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    Millie Millie_Zemlak
    (NewsUSA) - Today most homeowners want to do right by the environment while also caring for the health and wellness of their own families. But they don't always know what measures they can take with the design, construction, and furnishing of their houses to achieve eco-friendly, health-enhancing results.

    "Many responsible consumers are uncertain what a 'sustainable' product or material is," notes Linda Jovanovich of the American Hardwood Information Center, www.hardwoodinfo.com.

    "It simply means the particular resource is self-replenishing - something we can use freely now without fear that its supply will run out in the future. Since American hardwood forests renew themselves almost twice as fast as they are harvested, the U.S. supply of hardwoods for flooring, furniture, cabinetry, and millwork is sustainable now and for generations to come."

    As well as being plentiful and sustainable, American hardwood is carbon neutral: Growing trees absorb carbon dioxide from the atmosphere and break it down into oxygen, which is returned to the air, and carbon, which is used to create roots, trunk, branches, and leaves. In short, the use of natural American hardwoods throughout a house helps with the long-term removal of carbon from the environment.

    Hardwood can also benefit a household's general well-being.

    When artist Hadley Williams renovated her family home in California's Bay Area, she asked the makeover team - designer Sherry Williamson, architect Andrew Mann, and builder Michael McCutcheon - for a clean-lined, ultra-eco-friendly residence. They wrapped all the floors, ceilings, walls, and casework in the gutted interiors with plain-sawn American white oak, achieving a beautiful balance among aesthetics, sustainability, and healthfulness.

    Since the latter was a priority, each and every building product used was screened for a comprehensive list of more than 900 chemicals of concern. Using solid timber helped avoid the unhealthy volatile organic compounds (VOCs) found in laminate glues. Thanks to those efforts, the house has been certified LEED Platinum - the U.S. Green Building Council's highest ranking.

    Architect Stephanie Horowitz of Boston-based ZeroEnergy Design is another expert at creating contemporary, environmentally sensitive, family-friendly homes.

    "We regularly specify domestic, sustainably harvested hardwood floors," she says.

    "When paired with a non-VOC finish, a hardwood floor helps maintain healthy indoor-air quality while allowing us to support local business and overall environmental health."

    Such was the case with a house she recently designed for a client who wanted an exceptionally healthy and comfortable living environment in a traditional neighborhood. By installing quarter-sawn white-oak floors, and selecting other durable materials and finishes with low or no VOCs and no added urea formaldehyde, Horowitz was able to achieve LEED-platinum certification for the house and, more importantly, ensure that its inhabitants can breathe easy.

    Visit www.hardwoodinfo.com for more about sustainability and healthfulness in relation to home applications and products using American hardwoods.

    Ref: Decoration - in Blogs
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    Ramiro Ramiro_Williamson


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    Millie 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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    Michael michaelallen
    The psychological thriller about an internet stalker who can find anyone anywhere at any time, his victims have no idea he's coming, and there is only one grave connection between them. Available now on Amazon!
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    Tiya tiya1969
    ODE TO SATURDAY MORNINGS

    Saturday mornings are meant for rest and relaxation….except in an African American household. Saturdays are meant for a deep scrubbing from the inside to the outside, usually to be completed by noon so we could go outside and ride our bikes and play until the streetlights came on, or in my case, piano lessons until early afternoon and THEN ride the day away all over the city of Columbus on my white 10-speed.

    Early mornings, we would wake to my mom’s homemade apple or cherry turnovers or Bob Evan’s recipe biscuits. My younger sister and I woud have the inside of the house and our brothers would have the outside. Once we all came together in the middle, we would eat, get dressed and head to piano lessons on 18th Street with the incomparable Vincent Walters.

    Music comprehension for one hour, hanging with some like-minded creatives (we really weren’t), and then home to Soul Train at noon and friends, kickball, garden hoses and Dixie cups and the creek for the rest of the day and night. Being a kid was so easy in the 80’s. My only stress was if the neighbor boy liked me more than he did Kim Cherry. That was it. That was all. Childhood and Saturdays was a blast! No cell phones, no child predators lurking the streets (we knew everyone who belonged). Just simple childhood fun.

    What is your ode to Saturday?


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    Rachel crbaughman09


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    Rebecca Rebecca_Ebert


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    Millie Millie_Zemlak
    (NewsUSA) - The upcoming school year will be like nothing teachers, students, and families have ever experienced, as the ongoing COVID-19 pandemic steers school systems to embrace online learning and incorporate it in new ways.

    However, school systems across the country are rising to the challenge and staying connected to their students with dynamic digital resources, such as those from Discovery Education.

    Since the beginning of the pandemic, school systems across the country have invested in digital services like Discovery Education Experience because they support students' education at home, in the classroom or wherever learning is taking place.

    Experience - Discovery Education's flexible K-12 learning platform - connects educators to a vast collection of compelling high-quality, standards-aligned content, ready-to-use digital lessons, and professional learning resources. Together, these resources give educators everything they need to facilitate instruction in any learning environment and create lasting educational impact.

    "Discovery Education is committed to keeping students and teachers connected to learning at home or in school," says Scott Kinney, Discovery Education's president of K-12 Education.

    "To accomplish that, we partner with school systems to provide students and teachers the digital resources - such as Discovery Education Experienc - they need for success during this school year and beyond."

    In addition, to providing school systems digital resources Discovery Education provides teachers the professional development they need to use new technologies and maximize their school district's technology investment.

    Discovery Education has a long history as a global leader in digital curricula that align with the current standards for K-12 education, and their products include digital textbooks, multimedia resources, and professional learning for educators.

    Visit discoveryeducation.com for more information about the company's resources, and visit https://www.discoveryeducation.com/district-partners to determine whether your local school district is making Discovery Education materials available to their students for the upcoming school year.

    Ref: Colleges - in Blogs
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    Rebecca Rebecca_Ebert



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