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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

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(NewsUSA) - "To shave strokes from your golf game, the only equipment you need is a good eraser."<br /> <br /> Although this phrase is uttered jokingly by many golfers, recreational golfers who've reached their plateau have had very few other options, until now.<br /> <br /> "If recreational golfers insist on following the rules used by the PGA Tour, there's little they can do to immediately improve their game," says John Hoeflich, executive director, of the United States Recreational Golf Association (USRGA). "However, if they play by USRGA rules, they do have the option to switch to better equipment."<br /> <br /> The USRGA is the official organization that governs recreational golf. Its rules allow the use of higher-performance golf equipment. Hoeflich estimates that more than half of U.S. golfers agree with the USRGA rules that permit equipment that "puts fun back in the game, speeds up play and helps achieve better scores."<br /> <br /> Callaway Golf started the recreational equipment movement in 2000 with the ERC II driver. Now Polara Golf is advancing the movement with its Advantage driver and Ultimate Straight golf balls -- both engineered to eclipse the PGA limits, which means you can't play them in the Masters or U.S. Open.<br /> <br /> David Felker, chief technology officer for Polara Golf, explains, "Our drivers and balls are not intended for the top amateur players and professionals. We purposely designed equipment that exceeds the performance limits accepted by the PGA Tour, so that recreational golfers can experience less frustration, score lower and have more fun."<br /> <br /> A 2012 Google consumer survey revealed that 63 percent of respondents would consider using golf equipment that provides a performance advantage. This sentiment is shared by the PGA of America president, Ted Bishop, who says, "I think anything we can do to relax the rules, if it means putting non-conforming equipment in the hands of players that enable them to hit the ball higher and farther and enjoy the game more -- what's the problem?"<br /> <br /> According to the National Golf Foundation, golf rounds have fallen by 8 percent since 2007, largely due to the frustrations of the game, excessive play times and high costs.<br /> <br /> "The technology now exists to make golf more pleasurable for everyone," says Felker. "Who doesn't want to have more fun?"<br /> <br /> For more information, visit www.polaragolf.com and www.usrga.org.<br /> <br /> Ref: Golf - in Blogs

(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.<br /> <br /> 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.<br /> <br /> 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.<br /> <br /> 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."<br /> <br /> 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.<br /> <br /> 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.<br /> <br /> * 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.<br /> <br /> * 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.<br /> <br /> * 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.<br /> <br /> * 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.<br /> <br /> * 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.<br /> <br /> 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.<br /> <br /> Ref: Furnitures - in Blogs

<br /> <br /> How the National Media Messed Up the Mavs Predictions<br /> by Bob McCullough 6/14/24<br /> <br /> <br /> <br /> <br /> <br /> <br /> Go into the recent archives of any major sports site, and you'll find a lot of names who should be embarrassed about their predictions for the Mavs-Celtics series. And they're not just the names of those who happened to cover the Mavs. <br /> <br /> <br /> The prediction split was close to 50/50. Maybe 60/40 in favor of the C's, which felt reasonable going into the Finals. Now it seems a little ridiculous. <br /> <br /> <br /> So what went wrong? Let's take a closer look at why the national media especially fell for the Dallas storyline, for it embodies a lot of what's wrong with sportswriting today and NBA coverage in particular. <br /> <br /> <br /> **** Mavs Story Lines<br /> <br /> <br /> This one's at the top of the list. Writers love superstars, and the NBA's entire culture is built around them. The old ebony/ivory combination of Kyrie Irving and Luka Doncic was irresistable as a result, especially given the story lines. <br /> <br /> <br /> Start with Irving, a fascinating wack job who's been shooting his career in the foot for a long time now. After getting in trouble for spewing anti-Semitic nonsense, breaking up teams, getting coaches fired and conveniently missing games due to his anti-vax rhetoric, Irving somehow managed to resurrect his career and transform himself into a supposedly responsible NBA elder in Dallas. It's the ultimate redemption storyline. <br /> <br /> <br /> If you really believe that I have deeds to several bridges I can sell you, but in a basketball context Doncic may be even worse, which hardly seems possible. He's the most offensively gifted player of his generation, and yet, to use the words of Bob Cousy, he "looks like a truck driver." <br /> <br /> <br /> Which is Cooz-speak for Luka being fat and out of shape, especially for a professional athlete, and the Celtics have relentlessly exploited that flaw. Add in the fact that he goes after the refs on EVERY play, and he's pretty sickening to watch, even with his incredibly skill set. That doesn't stop the writers from relentlessly loving the highlight plays; that's what they do. <br /> <br /> <br /> J's Fatigue<br /> <br /> <br /> This one's right up there, too. NBA writers especially are sick of writing the same old rivalry stories about Jason Tatum and Jaylen Brown, i.e., who's better, who gets paid more, who cares more about winning vs endorsements and brand, and so on. <br /> <br /> <br /> Not surprisingly, the rest of us are just as sick of reading them. Even more so now that' they've become largely irrelevant. Whatever their differences were--and there likely were differences, rest assured--they've worked them out to get to within a game of their first title. <br /> <br /> <br /> ** hum. <br /> <br /> <br /> What Matters About the Mavs Previous Opponents<br /> <br /> <br /> This one hasn't been explored as much, but it's relevant. National writers especially saw three glamour teams in the Clippers, the Thunder and the Wolves, which wasn't exactly the case. <br /> <br /> <br /> Start with the Clippers. They were always a shell of a team with lots of older star power--Kahwi, Paul George, the artist formerly known as Westbrick. Without a healthy Leonard, however, that formula was yesterday's news, as the Mavs quickly proved. Simply put, it was a hidden mismatch. <br /> <br /> <br /> On to the Thunder. This one's slightly more interesting. OKC surprised everyone with a first-round sweep over a New Orleans shell team supposedly "led" by the ever injured and absent Zion Williamson, which led to the assumption that they were ahead of the curve when it came to being playoff ready. <br /> <br /> <br /> Dallas exposed them as a bit of a donut team without enough secondary scoring after SGA, giving Sam Presti a solid blueprint for what he needs to fix going forward. The Thunder are one of the few teams where "watch out for them next year" carries a lot of weight. <br /> <br /> <br /> Lastly, the Timberwolves, who have one of the most oddly mismatched rosters in recent memory. They were perfectly constructed to stop the Nuggets, however, with two seven-footers available to get Nicola Jokic off his game. Against the Mavs, though, young Anthony Edwards was exposed as far from Finals-ready, and KAT came off once again as a seven foot scorer who sometimes plays at 6'6" under pressure. <br /> <br /> <br /> What Now For the Mavs? <br /> <br /> <br /> This one's simple, at least on paper--get Luka in shape, and convince him to play a nominal amount of defense. According to reports, though, Dallas has been trying to get him to do this for years, so that's where the "on paper" part comes in. <br /> <br /> <br /> They also need him to grow up. Luka's referee theater routine grew thin when he was exposed to a team with two All-Defense defenders, and at least two more who should be considered for that roster. Whining about fouls is fine when you have inferior defenders, but it doesn't hold water when athletes like Jaylen Brown and Jrue Holiday are in your grill taking options away. <br /> <br /> <br /> Finally, the Mavs need a third scorer. Badly. They got by with guys like PJ Washington and Derrick Jones this year, but bargain basement options like that almost always wilt like March daffodils when the playoffs roll around in April, May and June. The future's still bright in Cuban Land, but it's going to take some serious attitude and personnel adjustments to get Luka, Kyrie and company over the top.