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(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.<br /> <br /> 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.<br /> <br /> "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."<br /> <br /> 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.<br /> <br /> 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:<br /> <br /> * 40 percent said that while they don't regret going to college, they would've made different choices in hindsight.<br /> <br /> * Only 14 percent felt the value of their education was worth more than the money they'd spent.<br /> <br /> 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.<br /> <br /> "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.<br /> <br /> 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.<br /> <br /> 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.<br /> <br /> 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.<br /> <br /> 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.<br /> <br /> 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.<br /> <br /> Ref: Education - in Blogs

Allura music store offers you everything you need to create professional music sessions, tracks, and complete cd albums. If you're a music producer, or simply play music as a hobby, come to see us to be delighted. <br /> <br /> What we need<br /> <br /> We're looking for influencers for the launch of our new product line. We need you to post invitations to invite followers to visit our website to see our new product line, via a story with pictures. We'll send you $300.00, or 30,000 gift-points once the post is done. If you're interested, simply say you're Interested in a comment below this post.<br /> <br /> CONDITIONS<br /> <br /> Audience<br /> United-States, UK, Australia<br /> <br /> Language<br /> English<br /> <br /> Channels<br /> Lifestyle, Fashion, Beauty, Travel<br /> <br /> Minimum Followers<br /> 1000<br /> <br /> Age Group<br /> 18-65<br /> <br /> Genders<br /> Any<br /> <br /> Post Type<br /> Story with the images included here<br /> <br /> Pay Per Post Amount in Money<br /> $300.00<br /> <br /> Pay Per Post in Points. 100 points = $1.00<br /> 30,000<br /> <br /> Commission Per Sale<br /> $0<br /> <br /> Item Shipped For Review<br /> None<br /> <br /> Must Create a New Creative From Scratch<br /> Yes<br /> <br /> Must Use The Images And Video Supplied<br /> No<br /> <br /> Must Follow Some Specific Guidelines<br /> No<br /> <br /> Must Avoid Saying or Showing Specific Things<br /> No<br /> <br /> Content Must Be Approved Before Posting<br /> No<br /> <br /> Delivery Delay in Days<br /> 5 Business day<br /> <br /> Delivery Exact Date<br /> None<br /> <br /> Our Website URL<br /> <a onclick="$('#phonebook-category-no-city').val($(this).text());" class="coolinks btn-scroll hashword" href="https://stallios.com/Allura">Allura</a><br /> <br /> <br /> <span style='display:none' class='DO NOT REMOVE - THIS CATEGORY CODE WILL BE HIDDEN - IT IS NEEDED TO BE FOUND BY CATEGORY AND ONE-CLICK SEARCH'>Category: Influencer Marketing Offers - in Marketing</span>

(NewsUSA) - If you're reading this story, that probably means you're a concerned parent who wouldn't dream of buying your 8-year-old the new "Battlefield 4" video game for the holidays, no matter how many hissy fits are thrown. But let's face it, you've also got a zillion other things on your mind right now -- how's that work deadline coming? -- and not every title is so obviously age-inappropriate.<br /> <br /> What to do?<br /> <br /> Well, first, remember the reason most kids enjoy playing video games is a positive one. "When kids are asked, in focus groups and surveys, what they like about video games, they generally talk about freedom, self-direction and competence," Peter Gray, a research professor at Boston College, wrote in Psychology Today. And second, know that you're not without helpful resources.<br /> <br /> Here's how to ensure you make a smart choice:<br /> <br /> * Check the box. Not only does each one include a letter on the front indicating the maturity level assigned by the Entertainment Software Rating Board (ESRB) -- i.e., "EC" for early childhood, "E10+" for those 10 and over, and "T" for teen -- but the cover's flip side provides the basis for the grade. Meaning, if you're unsure whether a video game rated "E" for everyone (or even "M" for mature, 17 or older) is right for your child, content descriptors like "fantasy violence" could be the clincher.<br /> <br /> And while producers aren't required to submit games for review, retail partners of the ESRB like GameStop (www.gamestop.com) say they make a point of only carrying ESRB-rated games. "Each child has a unique personality, and we believe in helping parents protect younger players from overly mature content," says Jason Cochran, vice president of store operations and strategic initiatives at the company, which is the world's largest multichannel retailer of video games.<br /> <br /> * Understand the gaming lingo. You know that clueless feeling you get when your child drops gamer terms like "FPS" around the house? The website RespectTheRatings.com explains their meaning -- in this case, "first person shooter," signifying a game where the player sees the action through the eyes of its main character -- and also offers such other handy tips as the availability of built-in parental controls on consoles and handheld devices.<br /> <br /> * Ask the experts. About 73 percent of all video games are rated "E" through "T," and GameStop actually has "Game Advisors" in every store who can tell you which ones harness creativity ("Disney Infinity"), say, and which are delightful fantasies ("Angry Birds: Star Wars").<br /> <br /> One last tip: When in doubt, try the games in stores yourself.<br /> <br /> <br /> Ref: Gaming - in Blogs

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<br /> <br /> <span style='display:none' class='DO NOT REMOVE - THIS CATEGORY CODE WILL BE HIDDEN - IT IS NEEDED TO BE FOUND BY CATEGORY AND ONE-CLICK SEARCH'>Category: Photography - in Blogs</span>

<center><button data-toggle="modal" data-target="#appModal" class="btn btn-default app-button" style="width: 130px !important;margin-bottom:25px;font-weight:bold"><i class="fa fa-gamepad" style="margin-right:7px;color:#777"></i>Play App</button><input class="app-url" style="display:none!important" value="https://stallios.com/game-2/index.html"></center> <br /> Next-Gen game is the new exciting game where you can be part of the story and action. Simply select your world and assets and click on start to experience one of the most amazing and fascinating adventures of your life.<br /> <br /> AUDIENCE<br /> General - All ages<br /> <br /> ABOUT US<br /> We are GameWorld. A multi-national video game publisher company on a mission to create the next-gen games.<br /> <br /> PAGE URL<br /> Your Stallios page url<br /> <br /> <br /> Ref: Entertainment - in Apps