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    Millie Zemlak Millie_Zemlak
    (NewsUSA) - How much will I need for my kid's college education? And how the heck will I pay for it?

    With the cost of a four-year degree rising nearly eight times faster than wages since the 1980s, those two questions are enough to give today's parents a serious case of night sweats. You can argue about the reasons for the disconnect -Administrative costs? Fancy amenities? - but you know there's a problem when a writer at Education Week is incensed.

    "Madness," she decried.

    Which is all the more reason to mark May 29 down on your calendar.

    Otherwise known as National 529 College Savings Plan Day -Get it? 5/29? - it's the perfect time to consider setting up one those tax-advantaged 529 plans, as they're called, to help sock money away to cover tuition, books and other education-related expenses at most accredited two - and four-year colleges, universities and vocational-technical schools.

    "It's a way of keeping your son or daughter from being saddled with too much debt when it's time to jump start their careers," explained Melissa Ridolfi, vice president of retirement and college products at Fidelity Investments. "Plus, any investment earnings compound on a tax-deferred basis, and qualified withdrawals are entirely free from federal and state income taxes."

    And now to the big question: How much?

    Two factors are mainly at play:

    * Public vs. private schools. The cost difference can be about as mind-boggling as "Avengers: Endgame's" record $357.1 million opening weekend domestic haul: an average of $21,370 a year at the former, according to the College Board's latest figures, as opposed to $48,510 at the latter.

    * The percentage of the bill you plan to foot. If you were counting on scholarships and other grants to pick up all or most of the tab, you should probably rethink that unless your kid is either a bona fide child prodigy or football star. Sallie Mae's "How America Pays for College" 2018 report found that both categories combined paid for just 28 percent of college costs.

    One guess where 47 percent of the costs came from. That's right, "family income and savings," with another 24 percent covered by borrowing.

    In other words, as Ridolfi said, "any way you look at it, the family is on the hook to pay the lion's share of college expenses." Which probably helps explain why a recent Fidelity study found that parents are increasingly starting to save before their child even reaches the age of two.

    To see where you stand, try using what Fidelity calls "the college savings 2K rule of thumb." Simply multiply your child's current age by $2,000 to figure whether your savings to date are generally on track to handle approximately 50 percent of the College Board's $21,370-a-year average cost of attending a four-year public college.

    Or, especially if you want a more customized estimate - one that lets you play around with percentages and switch back and forth between public and private schools - the firm's free online college savings calculator takes the angst out of doing the math yourself.

    Fidelity provides 12 savings ideas to help reach your own goal, and offers a choice of two different investment strategies in the 529 savings plans it manages - including an age-based portfolio of funds that automatically becomes more conservative as the beneficiary nears college age.

    Hopefully, armed with all that info, you'll be sleeping better at night.

    Ref: Family - in Blogs
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    Millie Zemlak Millie_Zemlak
    (NewsUSA) - Most of us can't imagine life without Internet service at home. We use it every day for news and entertainment, as well as to research healthcare options for our families; to connect with friends and family; to search and apply for jobs, scholarships, or schools; or to shop and save time.

    Unfortunately, many low-income households in this country aren't connected and they're missing out on the life-changing resources the Internet has to offer.

    According to the U.S. Census American Community Survey, 81 percent of U.S. households have broadband Internet access, but only 63 percent of those with annual incomes of less than $35,000 do.

    For the past seven years, Comcast has been on a mission to do something about this so-called "digital divide" through its acclaimed Internet Essentials program, which has become the largest broadband adoption program for low-income families across the U.S.

    The program has had an enormous impact on families and their children and, since its inception, more than six million low-income Americans have been connected.

    To put that in perspective, six million people is larger than the populations of each city in America except New York City. While the numbers can be numbing, the individuals who have benefitted all have their own stories to tell.

    "Low-income people face problems when it comes to accessing technology and a lot of people are left behind," says Pam Ogglesby, an Internet Essentials customer.

    "I signed up for the program and I now see what I was missing. I feel connected now and it's all because of Internet Essentials. I think this is going to change my life drastically. I intend to use the Internet to learn new things."

    In the beginning, Internet Essentials was offered to low-income families with children eligible to participate in the National School Lunch Program. Eligibility has also been extended to low-income seniors in more than a dozen markets, as well as to those households receiving HUD-housing assistance, which includes HUD's Public Housing, Housing Choice Voucher, and Multifamily programs.

    This year, the company is expanding eligibility again to low-income veterans living within the Comcast service area. About a third of the veterans in the U.S. do not have Internet access at home, and only about 60 percent even own a computer, according to the U.S. Census American Community Survey, creating a need for better options for the veteran community. As a result, more than one million veterans across Comcast's footprint are estimated to be eligible.

    Comcast's Internet Essentials program works with community partners to break down the main barriers to Internet access - lack of affordable service; lack of a computer or other device; and lack of digital training by providing high-speed Internet service for $9.95 a month plus tax, the option to purchase an Internet-ready computer for less than $150, and free digital literacy training in print, in person, and online.

    To apply, visit www.internetessentials.com/apply, or call 1-855-846-8376. For Spanish-only speakers: call 1-855-765-6995.

    Ref: Courses - in Blogs
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    Velvet And Vine 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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    Ramiro Williamson Ramiro_Williamson


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    Millie Zemlak Millie_Zemlak
    (NewsUSA) - For many of us, a cup of coffee is essential to starting the day off right. For your teeth, it sets the stage for stains. And for those who like to have a glass of red wine at night, you're also ending your day with a noted tooth stainer. Other culprits can include: tea, sports drinks, curry, berries, tomato sauce and candies.

    The Eroders

    Your enamel is not only vulnerable to obvious acids like citrus fruits, vinegar and white wine, but sugar can have an acidic effect on your enamel as well. Plaque bacteria use sugar to produce acid, which then eats away at tooth enamel. This means the sodas, juices, sports drinks and candies

    -- basically anything with sugar in it -- can be eroding your enamel.

    The Breakers

    It goes without saying that biting into something very hard can damage your teeth. Similarly, something extremely chewy can pull on teeth and cause damage or loosen a crown. The foods to be wary of include: hard candies, chewy candies, ice, popcorn seeds and corn on the cob.

    The Driers

    That horrible "cotton-mouth" feeling after you've had a couple of drinks is actually bad for your teeth. When saliva flow is reduced, you stand a greater risk of tooth decay, oral infections and possibly gum disease. Triggers that can cause dry mouth include: alcohol, coffee, tea, caffeinated beverages and any salty foods.

    Don't despair! There are plenty of food options that actually promote tooth strength, whiteness and freshness. Feel free to indulge in fiber-rich fruits and vegetables that stimulate salivation. Cheeses, milk, yogurt and other dairy products are packed with calcium, phosphates, vitamin D and other minerals that promote all-over health. Also, calcium mixes with plaque and sticks to your teeth, providing protection from acids and rebuilding enamel on the spot. Green and black tea (without sugar added) can slow down tooth decay and gum disease by suppressing bacteria. Use fluoridated water to brew your tea, and you've just added a powerful decay prevention agent.

    For more information and to locate an American Academy of Cosmetic Dentistry AACD member dentist near you, please visit www.YourSmileBecomesYou.com.

    Ref: Eating - in Blogs
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    Millie Zemlak 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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    Millie Zemlak Millie_Zemlak
    (NewsUSA) - The phrase 'six degrees of separation,' suggests that only a minuscule measurement is what divides one person from another. Today, the Internet of Things (IoT) has decreased those degrees dramatically, connecting us not only to each other, but to everything from our fitness trackers to our coffee makers.

    Consider this: according to a recent report by the Federal Trade Commission, the number of Internet-connected devices tops 25 billion worldwide. And that number is expected to double in the next five years, according to experts cited in the report.

    In a world where everyone and everything is connected, digital security is a must-have, just as important as the lock on your front door or the keys to your house.

    "Technology is revolutionizing the way consumers use cars, homes, work spaces and everyday items," Rep. Darrell Issa, R- Calif., told USA Today in a recent interview. "These devices raise both opportunities and questions about regulatory policy, spectrum space, privacy and more."

    Underscoring Issa's concerns are high-profile hacks, including one that took remote control of a Jeep on a busy highway. Experts warn who consumers need to understand that, although convenient, the IoT is an interconnected system, and security is needed to prevent a weakness in one device (like a SmartWatch) from becoming an open door to attack in another device (such as a connected car).

    The good news is that sensitive industries such as banking, government, and healthcare have worked with companies like Gemalto, a global leader in digital security, to solve difficult security challenges. While most may not recognize the name "Gemalto," experts say that almost everyone uses at least one or two of the company's solutions, which are embedded in a wide variety of connected devices, credit cards, passports, and ID badges.

    So, to ensure that your data is protected from hackers, Gemalto recommends the following tips:

    * Secure the device. Sensitive devices need an added layer of protection, such as a SIM card or a tamper-resistant Secure Element that stores data in a safe place.

    * Control the access. Implement two-factor authentication to ensure that only authorized people are granted access to the data.

    * Secure the data. Ensure that sensitive data is encrypted and that encryption keys are stored in a separate and safe place.

    For more information, please visit www.gemalto.com.

    Ref: Codes - in Blogs
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    Rebecca Ebert Rebecca_Ebert


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    Millie Zemlak Millie_Zemlak
    (NewsUSA) - You probably don't think much about the fate of old, worn-out uniforms from restaurants, stores, healthcare facilities, sports teams, and other industries. But the fact is that many end up in landfills. However, one company is doing its part to lessen this carbon footprint by repurposing these old uniforms into new.

    Eco Tek 360, a forward-thinking fiber technology company and a division of Global Fiber Technologies, Inc. a public company, (GFTX), has developed a proprietary technology that removes the fibers from fabrics that have reached the end of their useful life cycle. The fibers are extracted from a landfill-destined garment and used to create yarn, make new fabric, and then get sewn into fabric which is turned into "rejuvenated" uniforms. Each time the uniform comes back to the client, the process creates a true circular economy and reduces carbon footprints.

    "It takes between 500 to 700 gallons of water to grow one pound of cotton and Eco Tek 360 can help save billions of gallons each year through utilization of its patent- pending process," says Chris Giordano, president and co-chairman of Global Fiber Technologies.

    "We will take corporate uniforms at the end of their useful life that would otherwise head for disposal and re-purpose them back to the same company as sustainable, high quality uniforms for their employees," says Giordano.

    "Our primary raw material is sourced from uniforms being disposed of by our corporate clients, allowing us to be competitive on price," says Paul Serbiak Global's CEO.

    There are three steps to the ECOTEK process:

    - Recovery: Companies collect old uniforms and send them to Ecotek. Customers earn a credit towards new uniform purchases.

    - Rejuvenation: Rejuvenation is the heart of the Ecotek philosophy. The company uses a patented procedure to remove old fiber from fabric, restore it, and create new fabric. The rejuvenated fiber is soft, strong, and comfortable, and looks like new.

    - Re-creation: The fabric made from the rejuvenated fiber is then used to make new uniforms.

    "The entire process takes place in the USA, ensuring fair labor practices and extremely high quality standards," according to the company. Ecotek will offer customized design in large and small batches with quick turnaround times.

    Buying uniforms made with rejuvenated fibers not only saves water and energy, it saves money, and allows employees to feel proud and look great with options for customized style and sizing.

    Surveys show that a majority of entry-level employees prefer to work for an environmentally friendly company and more than half of consumers prefer to buy from companies with a green reputation.

    For more information about how your company can go greener and look great doing it, visit https://globalfibertechnologies.com/ecotek-360

    Ref: Business - in Blogs
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