0
75
0
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
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
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.<br /><br />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.<br /><br />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?<br /><br />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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Bakhtawar bakhto22
The Importance of Breakfast
In today's fast-paced world, maintaining a healthy lifestyle can often feel like a daunting task. However, one of the simplest yet most impactful habits you can adopt is starting your day with a nutritious breakfast. This small act not only sets a positive tone for the rest of your day but also provides numerous health benefits that contribute to your overall well-being.
Why Breakfast Matters
Breakfast is rightly hailed as the most important meal of the day for several reasons. After a night of fasting, your body needs essential nutrients to replenish its energy reserves and kick-start your metabolism. A balanced breakfast fuels your body and mind, improving concentration, mood, and productivity throughout the day. Research consistently shows that people who eat breakfast are more likely to maintain a healthy weight and make better food choices later in the day.
Components of a Healthy Breakfast
A healthy breakfast should include a variety of nutrients to ensure optimal functioning:
Complex Carbohydrates: Whole grains like oats, whole wheat bread, or quinoa provide sustained energy and fiber, which aids digestion.
Protein: Eggs, yogurt, nuts, or lean meats offer essential amino acids that help repair and build tissues, support immune function, and keep you feeling full longer.
Healthy Fats: Avocado, nuts, seeds, and olive oil provide essential fatty acids that support brain function and heart health.
Fruits and Vegetables: These are rich in vitamins, minerals, and antioxidants crucial for overall health and disease prevention.
Tips for a Balanced Breakfast
Plan Ahead: Prepare breakfast items the night before to save time in the morning.
Avoid Sugary Foods: Opt for whole fruits instead of fruit juices or sugary cereals to avoid spikes in blood sugar levels.
Hydrate: Start your day with a glass of water to hydrate your body after hours of sleep.
Listen to Your Body: Eat when you feel hungry, and pay attention to portion sizes to avoid overeating.
Incorporating Breakfast into Your Routine
If you find it challenging to eat breakfast due to time constraints or lack of appetite in the morning, start with small, manageable portions. Smoothies packed with fruits, vegetables, and protein are convenient options for those on the go. Alternatively, try incorporating breakfast foods into your mid-morning snack, such as yogurt with granola or a piece of whole fruit.
Conclusion
By making breakfast a priority in your daily routine, you not only enhance your physical health but also boost your mental and emotional well-being. Remember, a healthy lifestyle is built on consistent habits, and breakfast is a cornerstone that sets the tone for the rest of your day. Embrace this simple yet powerful practice, and watch as it transforms your energy levels, focus, and overall quality of life. Category: Health - in Blogs
In today's fast-paced world, maintaining a healthy lifestyle can often feel like a daunting task. However, one of the simplest yet most impactful habits you can adopt is starting your day with a nutritious breakfast. This small act not only sets a positive tone for the rest of your day but also provides numerous health benefits that contribute to your overall well-being.
Why Breakfast Matters
Breakfast is rightly hailed as the most important meal of the day for several reasons. After a night of fasting, your body needs essential nutrients to replenish its energy reserves and kick-start your metabolism. A balanced breakfast fuels your body and mind, improving concentration, mood, and productivity throughout the day. Research consistently shows that people who eat breakfast are more likely to maintain a healthy weight and make better food choices later in the day.
Components of a Healthy Breakfast
A healthy breakfast should include a variety of nutrients to ensure optimal functioning:
Complex Carbohydrates: Whole grains like oats, whole wheat bread, or quinoa provide sustained energy and fiber, which aids digestion.
Protein: Eggs, yogurt, nuts, or lean meats offer essential amino acids that help repair and build tissues, support immune function, and keep you feeling full longer.
Healthy Fats: Avocado, nuts, seeds, and olive oil provide essential fatty acids that support brain function and heart health.
Fruits and Vegetables: These are rich in vitamins, minerals, and antioxidants crucial for overall health and disease prevention.
Tips for a Balanced Breakfast
Plan Ahead: Prepare breakfast items the night before to save time in the morning.
Avoid Sugary Foods: Opt for whole fruits instead of fruit juices or sugary cereals to avoid spikes in blood sugar levels.
Hydrate: Start your day with a glass of water to hydrate your body after hours of sleep.
Listen to Your Body: Eat when you feel hungry, and pay attention to portion sizes to avoid overeating.
Incorporating Breakfast into Your Routine
If you find it challenging to eat breakfast due to time constraints or lack of appetite in the morning, start with small, manageable portions. Smoothies packed with fruits, vegetables, and protein are convenient options for those on the go. Alternatively, try incorporating breakfast foods into your mid-morning snack, such as yogurt with granola or a piece of whole fruit.
Conclusion
By making breakfast a priority in your daily routine, you not only enhance your physical health but also boost your mental and emotional well-being. Remember, a healthy lifestyle is built on consistent habits, and breakfast is a cornerstone that sets the tone for the rest of your day. Embrace this simple yet powerful practice, and watch as it transforms your energy levels, focus, and overall quality of life. Category: Health - in Blogs
The Importance of Breakfast<br />
<br />
In today's fast-paced world, maintaining a healthy lifestyle can often feel like a daunting task. However, one of the simplest yet most impactful habits you can adopt is starting your day with a nutritious breakfast. This small act not only sets a positive tone for the rest of your day but also provides numerous health benefits that contribute to your overall well-being.<br />
<br />
Why Breakfast Matters<br />
Breakfast is rightly hailed as the most important meal of the day for several reasons. After a night of fasting, your body needs essential nutrients to replenish its energy reserves and kick-start your metabolism. A balanced breakfast fuels your body and mind, improving concentration, mood, and productivity throughout the day. Research consistently shows that people who eat breakfast are more likely to maintain a healthy weight and make better food choices later in the day.<br />
<br />
Components of a Healthy Breakfast<br />
A healthy breakfast should include a variety of nutrients to ensure optimal functioning:<br />
<br />
Complex Carbohydrates: Whole grains like oats, whole wheat bread, or quinoa provide sustained energy and fiber, which aids digestion.<br />
<br />
Protein: Eggs, yogurt, nuts, or lean meats offer essential amino acids that help repair and build tissues, support immune function, and keep you feeling full longer.<br />
<br />
Healthy Fats: Avocado, nuts, seeds, and olive oil provide essential fatty acids that support brain function and heart health.<br />
<br />
Fruits and Vegetables: These are rich in vitamins, minerals, and antioxidants crucial for overall health and disease prevention.<br />
<br />
Tips for a Balanced Breakfast<br />
Plan Ahead: Prepare breakfast items the night before to save time in the morning.<br />
<br />
Avoid Sugary Foods: Opt for whole fruits instead of fruit juices or sugary cereals to avoid spikes in blood sugar levels.<br />
<br />
Hydrate: Start your day with a glass of water to hydrate your body after hours of sleep.<br />
<br />
Listen to Your Body: Eat when you feel hungry, and pay attention to portion sizes to avoid overeating.<br />
<br />
Incorporating Breakfast into Your Routine<br />
If you find it challenging to eat breakfast due to time constraints or lack of appetite in the morning, start with small, manageable portions. Smoothies packed with fruits, vegetables, and protein are convenient options for those on the go. Alternatively, try incorporating breakfast foods into your mid-morning snack, such as yogurt with granola or a piece of whole fruit.<br />
<br />
Conclusion<br />
By making breakfast a priority in your daily routine, you not only enhance your physical health but also boost your mental and emotional well-being. Remember, a healthy lifestyle is built on consistent habits, and breakfast is a cornerstone that sets the tone for the rest of your day. Embrace this simple yet powerful practice, and watch as it transforms your energy levels, focus, and overall quality of life.
<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: Health - in Blogs</span>
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Millie Millie_Zemlak
(NewsUSA) - Summer. The word itself sounds so relaxing and soothing to the senses. And nothing is more soothing in the summer than swimming.
At the very least, there's certainly nothing more cooling or refreshing than a quick trip to the pool. Indeed, with the temperatures rising and vacations in high gear, it's prime time to take a trip to the beach or head to your favorite resort pool and enjoy one of America's favorite summer pastimes: swimming.
To ensure your next trip to the pool is as relaxing and successful as ever, however, there are some essential items everybody should consider bringing. So, whether it's just a casual day of cooling off, a special summer pool party or family fun day, here's a to-do list that covers all pool partygoers.
* First and foremost, lather up with suntan lotions. And then bring more in your tote bag so you can reapply after a round or two of swimming. There's nothing more frustrating when you settle in and realize you forgot your supplies and need to buy more.
* Pack swimming gear. Regardless of whether you're going to the beach or pool, make sure you have goggles, noodles and other flotation devices. Your time in the water will never be more enjoyable.
* Bring some snacks and drinks. After some rigorous swimming or leisurely baking in the sun, you're bound to build up an appetite or have a need to quench your thirst.
* Don't forget your spittoon. Being at the pool in a bikini or trunks can leave one very exposed to say the least. If you're a smokeless tobacco user, there's even less opportunity to take a discreet "dip" while you're taking a dip in the pool.
That is, unless you own a portable spittoon created by Atlanta-based FLASR. These new 4-ounce pocket-sized spittoons are brilliantly designed to allow users to easily open and close with just one hand, making them ideal items to bring to the pool or any other public setting so you can still enjoy your smokeless tobacco. Another advantage to the FLASR flask is its advanced closing mechanism that ensures it stays securely closed when not in use, eliminating the risk of any messy spills or leaks in the pool that come with those gaudy bottles or drink cups of old.
For more information, please visit www.flasr.com.
Category: Saint Lucia - in Countries
At the very least, there's certainly nothing more cooling or refreshing than a quick trip to the pool. Indeed, with the temperatures rising and vacations in high gear, it's prime time to take a trip to the beach or head to your favorite resort pool and enjoy one of America's favorite summer pastimes: swimming.
To ensure your next trip to the pool is as relaxing and successful as ever, however, there are some essential items everybody should consider bringing. So, whether it's just a casual day of cooling off, a special summer pool party or family fun day, here's a to-do list that covers all pool partygoers.
* First and foremost, lather up with suntan lotions. And then bring more in your tote bag so you can reapply after a round or two of swimming. There's nothing more frustrating when you settle in and realize you forgot your supplies and need to buy more.
* Pack swimming gear. Regardless of whether you're going to the beach or pool, make sure you have goggles, noodles and other flotation devices. Your time in the water will never be more enjoyable.
* Bring some snacks and drinks. After some rigorous swimming or leisurely baking in the sun, you're bound to build up an appetite or have a need to quench your thirst.
* Don't forget your spittoon. Being at the pool in a bikini or trunks can leave one very exposed to say the least. If you're a smokeless tobacco user, there's even less opportunity to take a discreet "dip" while you're taking a dip in the pool.
That is, unless you own a portable spittoon created by Atlanta-based FLASR. These new 4-ounce pocket-sized spittoons are brilliantly designed to allow users to easily open and close with just one hand, making them ideal items to bring to the pool or any other public setting so you can still enjoy your smokeless tobacco. Another advantage to the FLASR flask is its advanced closing mechanism that ensures it stays securely closed when not in use, eliminating the risk of any messy spills or leaks in the pool that come with those gaudy bottles or drink cups of old.
For more information, please visit www.flasr.com.
Category: Saint Lucia - in Countries
(NewsUSA) - Summer. The word itself sounds so relaxing and soothing to the senses. And nothing is more soothing in the summer than swimming.<br />
<br />
At the very least, there's certainly nothing more cooling or refreshing than a quick trip to the pool. Indeed, with the temperatures rising and vacations in high gear, it's prime time to take a trip to the beach or head to your favorite resort pool and enjoy one of America's favorite summer pastimes: swimming.<br />
<br />
To ensure your next trip to the pool is as relaxing and successful as ever, however, there are some essential items everybody should consider bringing. So, whether it's just a casual day of cooling off, a special summer pool party or family fun day, here's a to-do list that covers all pool partygoers.<br />
<br />
* First and foremost, lather up with suntan lotions. And then bring more in your tote bag so you can reapply after a round or two of swimming. There's nothing more frustrating when you settle in and realize you forgot your supplies and need to buy more.<br />
<br />
* Pack swimming gear. Regardless of whether you're going to the beach or pool, make sure you have goggles, noodles and other flotation devices. Your time in the water will never be more enjoyable.<br />
<br />
* Bring some snacks and drinks. After some rigorous swimming or leisurely baking in the sun, you're bound to build up an appetite or have a need to quench your thirst.<br />
<br />
* Don't forget your spittoon. Being at the pool in a bikini or trunks can leave one very exposed to say the least. If you're a smokeless tobacco user, there's even less opportunity to take a discreet "dip" while you're taking a dip in the pool.<br />
<br />
That is, unless you own a portable spittoon created by Atlanta-based FLASR. These new 4-ounce pocket-sized spittoons are brilliantly designed to allow users to easily open and close with just one hand, making them ideal items to bring to the pool or any other public setting so you can still enjoy your smokeless tobacco. Another advantage to the FLASR flask is its advanced closing mechanism that ensures it stays securely closed when not in use, eliminating the risk of any messy spills or leaks in the pool that come with those gaudy bottles or drink cups of old.<br />
<br />
For more information, please visit www.flasr.com.<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: Saint Lucia - in Countries</span>
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Samuel ic_sammie
Bent in Heaven's Twist
I wear a smile, a fragile disguise
A mask that hides, the tears I've cried
The heavens twist, in a cruel design
A fate that's sealed, yet I'm left to redefine
In heavenly design, I'm lost in pain
A twist of fate, that drives me insane
The stars align, yet I'm still unsure
A celestial guide, that's hard to endure
I'm bent and broken, in a world so grand
A fragile soul, in a body so unplanned
The heavens whisper, "You're strong and free"
But I'm trapped in doubts, that haunt me relentlessly
I search for answers, in the darkest night
A glimmer of hope, that shines with all its might
But the twist of fate, it plays a cruel game
Leaving me shattered, with a heart that's tamed
In twisted threads, I'm woven with flaws
A fragile fabric, with scars that never fade
The heavens bend, in a mysterious spin
A divine irony, that I'm forced to give in
I'm a paradox, of strength and weakness combined
A human heart, that's constantly redefined
The twist of heaven's hand, a mysterious fate
A life that's unpredictable, with moments that create
I yearn for solace, in the chaos and strife
A peaceful haven, where I can be alive
But the heavens twist, in a celestial rhyme
A melody of pain, that echoes through my prime
In this twisted world, I'm searching for a light
A guiding star, that shines through the darkest night
A beacon of hope, that leads me to the shore
Where I can find peace, and be forever more.
Category: Writing - in Blogs
I wear a smile, a fragile disguise
A mask that hides, the tears I've cried
The heavens twist, in a cruel design
A fate that's sealed, yet I'm left to redefine
In heavenly design, I'm lost in pain
A twist of fate, that drives me insane
The stars align, yet I'm still unsure
A celestial guide, that's hard to endure
I'm bent and broken, in a world so grand
A fragile soul, in a body so unplanned
The heavens whisper, "You're strong and free"
But I'm trapped in doubts, that haunt me relentlessly
I search for answers, in the darkest night
A glimmer of hope, that shines with all its might
But the twist of fate, it plays a cruel game
Leaving me shattered, with a heart that's tamed
In twisted threads, I'm woven with flaws
A fragile fabric, with scars that never fade
The heavens bend, in a mysterious spin
A divine irony, that I'm forced to give in
I'm a paradox, of strength and weakness combined
A human heart, that's constantly redefined
The twist of heaven's hand, a mysterious fate
A life that's unpredictable, with moments that create
I yearn for solace, in the chaos and strife
A peaceful haven, where I can be alive
But the heavens twist, in a celestial rhyme
A melody of pain, that echoes through my prime
In this twisted world, I'm searching for a light
A guiding star, that shines through the darkest night
A beacon of hope, that leads me to the shore
Where I can find peace, and be forever more.
Category: Writing - in Blogs
Bent in Heaven's Twist<br />
<br />
I wear a smile, a fragile disguise<br />
A mask that hides, the tears I've cried<br />
The heavens twist, in a cruel design<br />
A fate that's sealed, yet I'm left to redefine<br />
<br />
In heavenly design, I'm lost in pain<br />
A twist of fate, that drives me insane<br />
The stars align, yet I'm still unsure<br />
A celestial guide, that's hard to endure<br />
<br />
I'm bent and broken, in a world so grand<br />
A fragile soul, in a body so unplanned<br />
The heavens whisper, "You're strong and free"<br />
But I'm trapped in doubts, that haunt me relentlessly<br />
<br />
I search for answers, in the darkest night<br />
A glimmer of hope, that shines with all its might<br />
But the twist of fate, it plays a cruel game<br />
Leaving me shattered, with a heart that's tamed<br />
<br />
In twisted threads, I'm woven with flaws<br />
A fragile fabric, with scars that never fade<br />
The heavens bend, in a mysterious spin<br />
A divine irony, that I'm forced to give in<br />
<br />
I'm a paradox, of strength and weakness combined<br />
A human heart, that's constantly redefined<br />
The twist of heaven's hand, a mysterious fate<br />
A life that's unpredictable, with moments that create<br />
<br />
I yearn for solace, in the chaos and strife<br />
A peaceful haven, where I can be alive<br />
But the heavens twist, in a celestial rhyme<br />
A melody of pain, that echoes through my prime<br />
<br />
In this twisted world, I'm searching for a light<br />
A guiding star, that shines through the darkest night<br />
A beacon of hope, that leads me to the shore<br />
Where I can find peace, and be forever more.<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: Writing - in Blogs</span>
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17
0
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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
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
(NewsUSA) - How much will I need for my kid's college education? And how the heck will I pay for it?<br />
<br />
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.<br />
<br />
"Madness," she decried.<br />
<br />
Which is all the more reason to mark May 29 down on your calendar.<br />
<br />
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.<br />
<br />
"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."<br />
<br />
And now to the big question: How much?<br />
<br />
Two factors are mainly at play:<br />
<br />
* 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.<br />
<br />
* 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.<br />
<br />
One guess where 47 percent of the costs came from. That's right, "family income and savings," with another 24 percent covered by borrowing.<br />
<br />
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.<br />
<br />
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.<br />
<br />
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.<br />
<br />
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.<br />
<br />
Hopefully, armed with all that info, you'll be sleeping better at night.<br />
<br />
Ref: Family - in Blogs
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53
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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
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
(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.<br />
<br />
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.<br />
<br />
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.<br />
<br />
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.<br />
<br />
"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.<br />
<br />
"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."<br />
<br />
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.<br />
<br />
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.<br />
<br />
Visit discoveryeducation.com for more information about the company's resources, and visit <a target='_blank' href="https://www.discoveryeducation.com/district-partners">https://www.discoveryeducation.com/district-partners</a> to determine whether your local school district is making Discovery Education materials available to their students for the upcoming school year.<br />
<br />
Ref: Colleges - in Blogs
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