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    Millie Millie_Zemlak
    (NewsUSA) - When Jess Michaels isn't obsessively checking her steps on FitBit or watching daytime Court TV, she's a best-selling author who writes historical romances with heroines who speak their mind.

    Her first foray into publishing began, as many picture the life of an author, with a traditional publishing deal. But after releasing a few books, Michaels decided to turn down an additional deal and try self-publishing.

    "I'd begun developing an audience for my books and wanted to try something different. Authors I respected had success and greater control over their work with self-publishing, so I was eager to try it for myself," says Michaels.

    She mastered it quickly and decided to go "strictly indie" in 2015, using Amazon's Kindle Direct Publishing (KDP) service to publish in both eBook and print. Since her decision to self-publish, she has been on the USA bestseller list ten times. Her husband quit his job at a large technology company and now works with Michaels to run their publishing company.

    "I wanted more control over not just the creative writing, but also the marketing strategy, cover art, and other business aspects of publishing. I grew frustrated being unable to make these decisions going the traditional publishing route," she says. "I'm both a writer and entrepreneur, and I'm enjoying more creative and financial rewards than I ever have."

    For Michaels, who says the initial idea of going indie was "taking a leap off a cliff and hoping you can fly before you crash," the resulting benefits have exceeded her expectations.

    For those authors wrestling with the idea of self-publishing, consider this:

    - Creative control. Self-publishing a book allows authors to build characters and stories exactly the way they want and, ultimately, retain full rights to their original material. A book that has been nursed from inception to novel remains yours.

    - Get to market fast. Once a book is ready, self-publishing services, such as KDP, guide authors through setting up their books and getting them in the hands of readers in just a matter of days.

    - Make more money. Authors who opt to self-publish can set their own prices and take home a higher percentage of royalties.

    While a self-published author serves as his or her own marketing department, indie publishers make marketing simple and effective. Self-publishing companies, such as Amazon, also offer authors additional promotional opportunities to make their work available to more readers.

    Many authors find support through writers' groups online, such as Facebook groups, or in-person by attending workshops and writers' conferences. Most cities have local writing groups that meet regularly. These meetings can provide constructive criticism of your work and other resources.

    "I fell into self-publishing by accident, and found that connecting with other authors and joining a local writers' organization helped me improve my technique and career tremendously," says self-published science fiction and fantasy author T.S. Paul. "When sales of my novels began to take off, I began working with freelancers and a virtual assistant, also, to grow the community around me."

    Regardless of whether a writer is interested in romance, mystery, fantasy, or biographies, self-publishing with services such as KDP can empower them to pursue their dreams, especially if they're willing to study the business side of publishing as well as Jess Michaels did.

    Who knows? Maybe the best seller list is closer than you think.

    For more information, visit https://kdp.amazon.com/en_US/.

    Ref: Books - in Blogs
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    Aric Aric_Feeney


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    Vanessa Vanessa_Leannon


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    Velvet And velvetandvinesoul
    You ever notice how everyone's got a morning routine? "I'm a morning person," they say. "I'm a night owl," they claim. But let's be real, most of us are just trying to survive until our first cup of coffee.

    I was talking to my friend George the other day, and he told me his morning routine involves hitting the snooze button 12 times. I'm pretty sure that's not what the wellness experts had in mind.

    So, what's your morning routine? Are you a zen master or a caffeine junkie? Do you meditate, journal, or hit the gym? Or do you just roll out of bed and stumble into the kitchen?

    Let's get real about our morning habits. What's working for you? What's not? Share your morning struggles and triumphs with us! 🤣☕️ #MorningRoutine #Lifestyle #ComedyOfErrors
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    Millie Millie_Zemlak
    (NewsUSA) - As the coronavirus pandemic rapidly turned the "new normal" household into hubs for all daily activities, Summer 2020 now means moving parents' offices, kid's camps, vacation destinations, and virtually everything under one roof.

    Although this dynamic could forge family bonds, it can also ignite the already heated stresses and struggles facing many Americans during this difficult time - making optimal home climate control a critical key to keeping their cool as temperatures heat up this season.

    Recent studies show how our increased togetherness can significantly disrupt domestic bliss. In fact, research suggests that people forced to live in quarantine conditions face a greater risk of anxiety, depression, anger, irritability, insomnia and post-traumatic stress symptoms.

    And, despite feeling close to their children during the pandemic, 61percent of parents say they have shouted, yelled, or screamed at them at least once over the past two weeks, according to a University of Michigan study. Further, married and engaged couples in quarantine are fighting more, with only 18 percent of surveyed couples reporting satisfaction in communication with their partner, according to a survey conducted by the publication, "The Knot and app Lasting."

    When temperatures - and tempers - rise, a dreaded "Family Thermostat War" can ensue. Following are some useful tips to help you save money on utility bills and keep your family cool.

    With home heating and cooling accounting for nearly half of home energy use and air conditioner energy expenses costing homeowners more than $11 billion a year, small steps can go a long way.

    * Ease Into Electric: According to Columbia University's Earth Institute, electric systems are a solution to decarbonize home climate control. Among the most energy-efficient heating and cooling products, electricity-powered ductless mini-split systems, offered by companies including Fujitsu General America, can save as much as 25 percent on your energy bill. Mini-splits use thin copper tubing to pump refrigerant from an outdoor compressor directly into an indoor air-handling unit, where the air is quietly distributed to the interior space.

    * Get "Smart" About Climate Control: When it comes to smart home temperature control, there are Smart HVAC Systems and Smart Thermostats. Smart HVAC systems have built-in Internet capability and can be controlled directly without additional equipment. Smart Home Thermostats create "smart" systems by enabling remote temperature control via a mobile or Internet-connected device or voice-operated home automation system.

    * Voice Your Preference: Take control of your comfort. Most HVAC manufacturers offer apps that enable systems to be controlled from anywhere using a mobile device. Voice-control capability uses digital assistants, such as Amazon Alexa or Google Home, to verbally dictate home temperatures. Easily controlling the temperature more closely allows homeowners to be more comfortable and improve energy savings.

    * Find Your Efficient Comfort Zone: Many of us live in homes designed for bigger families, but have yet to downsize. If you find yourself using a fraction of your home on a regular basis, consider upgrading to a zoned, ducted, or ductless system. That will allow you to save energy heating and cooling spaces where you and your family don't spend a lot of time. This will multiply savings as you're not only needing less cooling, but you also gain from a more efficient system in the spaces you do still use.

    * Try Low-tech Fixes: Simple changes can have a big impact. Try to use heat-producing appliances - stoves, irons and dryers at night or early morning. Switch to LED light bulbs instead of incandescent bulbs - which consume 90 percent more power. Seal air leaks around windows, doors, and places where pipes and wires come through walls. And check existing caulking and weather-stripping for gaps or cracks.

    Achieving a sense of peaceful co-existence in your increasingly crowded, multi-functional home does not need to make your family members hot under the collar. If a new system is right for you, many Fujitsu systems with the Energy Star rating are more than twice as efficient as the minimum standard set by the government. To learn more or find a contractor near you, call 888-888-3424 or visit www.constantcomfort.com.

    Ref: Furnitures - in Blogs
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    Rebecca Rebecca_Ebert


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    Millie Millie_Zemlak
    (NewsUSA) - Are all those stories about crippling student debt having an effect on college campuses? Just ask post-Millennials now trying - albeit not always successfully - to avoid being saddled with the same heavy burden of debt as their predecessors.

    According to Fidelity Investments' new "College Savings: Lessons Learned Study," not only did 83 percent of current college students surveyed consider what their total costs would be before matriculating - just 69 percent of recent graduates had such foresight - but 39 percent of them said the potential price tag was such "a huge factor" that they purposely limited their choice of schools to the most affordable. Only 32 percent of recent graduates, alas, had shown similar restraint.

    "It seems today's college students are perhaps more aware of the financial situation they entered into than those who graduated before them," said Melissa Ridolfi, Fidelity's vice president of retirement and college leadership. "That's a positive development."

    All told, student debt in the U.S. now totals more than $1.5 trillion - second only to mortgage debt, Forbes reported. And the 69 percent or so of the Class of 2018 who took out student loans graduated with an average debt balance of $29,800.

    So you can understand why recent graduates would be so stressed out over whether they'd ever be able to pay off their loans that they're now having second thoughts about their decisions:

    * 40 percent said that while they don't regret going to college, they would've made different choices in hindsight.

    * Only 14 percent felt the value of their education was worth more than the money they'd spent.

    Oh, and future college students should listen up for this sage advice from the more than 4,000 respondents surveyed - all recent graduates, current undergraduates, and parents of either or both - on what would've done wonders to ease their own stress levels.

    "When asked 'If you knew then what you know now when it comes to school selection, what would you do differently?' the number one answer for all respondents was 'I would've started saving earlier,'" Ridolfi said.

    Which logically brings us to another key finding of the study: Only 17 percent of current students and recent graduates had taken advantage, prior to college, of what's arguably one of the best ways to fund higher education: 529 savings plans.

    Unlike regular bank savings accounts, they provide a tax-advantaged way to save money to cover tuition, books and other education-related expenses at most accredited two- and four-year colleges, universities and vocational-technical schools.

    The key phrase being "tax-advantaged." Meaning, earnings grow federal income tax-deferred and withdrawals for qualified expenses are free from federal (and, in many places, state) income taxes - thus affording the opportunity to have even more saved for college.

    Significantly, Ridolfi said families using a 529 plan managed by Fidelity have been starting to sock money away earlier than ever before, with contributions beginning on average when the child is about age six and a half. Thirty-six percent of Fidelity 529s are even opened for beneficiaries under - yes - age 2.

    You say a child hasn't even uttered his or her first complete sentence before they're two? Probably not. But just so you're not bushwhacked when they suddenly hit their late teens, free online resources like Fidelity's College Savings Learning Center and College Savings Quick Check - a calculator that even shows you the impact of saving a few dollars more a month - can help prepare you for what lies ahead.

    Ref: Education - in Blogs
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    Millie Millie_Zemlak
    (NewsUSA) - Preparing to pop the question this Valentine's Day, but unsure how to choose the right engagement ring? Read on for all the tools you need to make the perfect pick!

    While choosing an engagement ring can be exciting, the variety of settings, precious metals, and diamonds can be overwhelming. However, the following tips will help you in finding the ideal diamond engagement ring.

    Set your price limit.

    Before you start shopping, know how much you want to spend. There is no right or wrong amount to put toward a ring, and many beautiful stones and styles are available to suit any budget. It's important to note that lab-grown diamonds can be up to 40 percent less expensive than mined stones.

    Learn the "4 C's" of diamonds.

    These are: cut, color, clarity, and carat. Here's the translation:

    Cut: The cut of a diamond is the most important factor in determining its fire, brilliance, and sparkle.

    Color: Not all diamonds are clear; some have varying tints of yellow.

    Clarity: A measure of the number of flaws or inclusions in the stone.

    Carat: A measure of the weight of the diamond. However, more weight also indicates a bigger size.

    Consider shape.

    The common diamond shapes used in engagement rings are round, cushion, pear, oval, princess, radiant, and emerald.

    Each of these shapes has its fans and distinctive features. For example, a round diamond is the classic engagement ring style, but the larger facets of a cushion style can enhance brilliance, and the elongated emerald cut presents a bold look that can make a diamond appear larger than its carat weight.

    Choose a setting.

    Deciding the right setting or diamond shape for your stone is a personal decision. Some people have specific ideas for a setting, and take more time on the stone, or vice versa.

    However, not all settings accommodate all shapes so it's important to prioritize one or the other if you are set on a particular shape or setting.

    Typical engagement ring styles include the solitaire, a simple band that showcases any diamond shape; halo, in which a central stone is surrounded by smaller diamonds; classic, which features a row of accent diamonds along the ring band; and vintage, which replicates design styles from different time periods.

    Contemplate your center stone.

    When it comes to your center stone, there are a few different options to choose from. Although diamonds are the most popular, birthstones, moissanite, and cubic zirconia are also great budget-friendly options.

    In regards to diamonds, there are two types to choose from: mined diamonds and lab-created diamonds.

    While mined diamonds are extracted from the earth, lab-grown stones are guaranteed to be ethically sourced and, as mentioned above, up to 40 percent less expensive.

    Both types are identical in terms of chemistry and physical appearance. However, interest in lab-created diamonds has surged in recent years as more couples are concerned with sustainability, as well as beauty and romance.

    Ref: Dating - in Blogs
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    Nichole nlschack
    Follow me as I explain a different way to view the mundane of everyday life. Sometimes it's better to take a good look around you and discover the beauty that is right infront of you.

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