(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

(NewsUSA) - In the age of nonstop news and often limited fact-checking, a new digital news publication, Rantt, is moving in the other direction, focusing on slowing the story down, and getting the facts right, even if it means not being the first to publish a seemingly hot story.<br /> <br /> "We're taking an episodic approach to covering stories, and pride ourselves on slowing down the news," Rantt CEO and co-founder Zak Ali says in a feature in The Huffington Post on March 6, 2017.<br /> <br /> "We want to be the opposite of everything we see wrong with the news media: sensationalism, misleading clickbait, false equivalency, etc.," Ali says. "Also, we feel like we are a voice for the disenfranchised population who feel let down by the mainstream media. Rantt will be the first episodic news source that people turn towards to get the full truth the first time," he emphasizes.<br /> <br /> Rantt launched online in November 2016, in the wake of the controversial presidential election. The Washington, D.C.-based startup reports more than 100,000 unique visitors as of March 2017. Data from the company suggests that visitors to the site encompass a range of demographics, but most of its readers are millennials. Rantt's growing popularity also supports the idea that there is still an audience for unrushed, well-documented news stories.<br /> <br /> The company was initially funded by Tricent Capital, a Silicon Valley investment firm, but their success is prompting them to expand and raise additional funds. The site's popularity reflects the public's desire for and interest in accuracy in the news, according to Ali.<br /> <br /> Public interest in politics and current events surged at the time of the election and remain high, opening the door for alternative media options to serve a news-hungry readership. The founders cite the Drudge Report, Politico, and Talking Points Memo as examples of independent online news organizations that are able to fill a niche and serve as an alternative to the traditional mainstream media sources.<br /> <br /> Rantt.com, includes a news section, an opinion section (known as Rantts), a section devoted to news related to President Donald Trump (known as Unpresidented) and a section called Underreported that provides a weekly summary of top news stories.<br /> <br /> Check out rantt.com to read the latest stories, explore contributors' profiles, and follow stories on the company's Twitter feed.<br /> <br /> Ref: Events - in Blogs

Welcome to EagleRidge, the only place in town to find everything you need in terms of motorcycles. We have all types of bikes in the store, be it for high-performance racing, or just for your street rides, we got it! <br /> <br /> What we need<br /> <br /> We're looking for influencers in order to increase our customer base. We need you to post invitations to invite followers to visit our store via a 15 second video or permanent story. We'll send you $2500.00, or 250,000 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<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 /> 15 Second Video or Story With Images<br /> <br /> Pay Per Post Amount in Money<br /> $2500.00<br /> <br /> Pay Per Post in Points. 100 Points = $1.00<br /> 250,000<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/EagleRidge">EagleRidge</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) - Sponsored by GAF - It's time to stop thinking of Millennials as totally uninterested in owning anything just because they were early adopters of Uber.<br /> <br /> The newly released U.S. home ownership rate rose in 2017 for the first time in 13 years - it now stands at 64.2 percent - driven mainly by a shift towards owning over renting by the under-age 35 crowd who'd been wary of committing for both financial and personal reasons.<br /> <br /> "This is happening because young households are buying homes. Full stop," Ralph McLaughlin, chief economist at home listings provider Trulia, told the Wall Street Journal.<br /> <br /> They're not the only purchasers, of course. Which means if you're looking to sell your house now or in the not too distant future, you might want to check out this generational roadmap to four upgrades experts say are worth it to help attract potential buyers.<br /> <br /> * Cross-generational: a new steel door. The only thing that beat it on Remodeling magazine's annual Cost vs. Value Report for 2017 was loose-fill attic insulation, but this project - with a 90.7% return on investment - speaks directly to the report's main takeaway: "Curb appeal projects, by and large, generated higher returns on investment than work done inside the home."<br /> <br /> Plus, as far as Millennials go, while their ideal interiors may differ from older generations - for example, they prefer open floor plans and hardwood floors - Architectural Digest says they're still into "traditional exteriors."<br /> <br /> * Millennials: smart-home tech. Yes, there are Boomers and Generation Xers who are super tech savvy, but Millennials especially crave homes that allow them to control their heating, air-conditioning, home security, and lighting systems from their phones.<br /> <br /> "They want to use their brains for other things, not for remembering whether they adjusted the heat or closed the garage door," Angie's List stressed.<br /> <br /> * Cross-generational: a new roof. It's the ultimate curb appeal enhancer and a perennial Remodeling magazine A-lister, with Credit.com having observed that "buyers pay a premium for one already in place."<br /> <br /> So if the first thing prospects notice even before exiting their cars looks like something out of "Twister," you've got a problem.<br /> <br /> "It's a huge turn-off," said Patsy O'Neill, a sales associate with Sotheby's in Montclair, New Jersey, "and makes buyers of all ages predisposed to find even more things they don't like."<br /> <br /> If your roof does need replacing, those particularly interested in targeting Millennials might want to consider the very affordable Sienna line of diamond-shaped shingles from GAF (gaf.com), North America's largest roofing manufacturer, since they capture that generation's sensibilities.<br /> <br /> "They pick up on key Millennial style trends of natural, clean materials, clean lines, and the integration of artistic elements," said Leslie Franklin, executive director of residential marketing at GAF.<br /> <br /> * Millennials: all-new appliances. Realtors will tell you that major kitchen (and bath) upgrades aren't generally worth their high costs, in terms of return on investment, since prospective buyers' tastes can clash with yours.<br /> <br /> However, Millennials do love, love, love all-new stainless steel appliances. So much so that what RealtyTimes.com called "an astonishing majority of 75 percent" of respondents in a recent survey chose to spend their hypothetical home buying budgets on them.<br /> <br /> Ref: Gardens - in Blogs

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(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.<br /> <br /> 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.<br /> <br /> 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.<br /> <br /> "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."<br /> <br /> 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).<br /> <br /> 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.<br /> <br /> So, to ensure that your data is protected from hackers, Gemalto recommends the following tips:<br /> <br /> * 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.<br /> <br /> * Control the access. Implement two-factor authentication to ensure that only authorized people are granted access to the data.<br /> <br /> * Secure the data. Ensure that sensitive data is encrypted and that encryption keys are stored in a separate and safe place.<br /> <br /> For more information, please visit www.gemalto.com.<br /> <br /> Ref: Codes - in Blogs

When it comes to writing a grocery list, I can say that some have been lengthy, and I am not speaking metaphorically. This is what the world of a serial overthinker is all about, where a simple decision can become a mental challenge, and a single line email is sent three drafts later. If you have ever seen yourself staring at your email contemplating a response of “Thanks!” without sounding emotionally detached or weird, I congratulate you, you are likely an overthinker too.<br />Overthinking goes beyond being a habit or lifestyle, it's your second full-time job but without the benefits. It's lying in bed awake, staring at your ceiling, and thinking of how things went a week ago. It involves preparing for a circumstance, dreading the circumstance, encountering the circumstance, and then revisiting it after the fact. Was there anything I forgot? Should I have said something different?<br /><br /><br />Disclaimers come with each good day. A good example of this is when I receive a compliment. In my mind, I am triple checking the meaning behind it. Was it meant? Was sarcasm involved? Were they referring to me or someone else? Once the praise has been accepted, the topic has already changed three times and my opportunity to give thanks has lapsed.<br /><br /><br />The thing is, though, overthinking is more than self-doubt or anxiety. It also involves caring too much. For me, I care about being considerate, clear, and respectful. I also care about avoiding hurt feelings and making good decisions. Afterall, there is a ton of heart beneath it all, regardless of how little sleep I have had.<br /><br />

(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.<br /> <br /> The Eroders<br /> <br /> 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<br /> <br /> -- basically anything with sugar in it -- can be eroding your enamel.<br /> <br /> The Breakers<br /> <br /> 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.<br /> <br /> The Driers<br /> <br /> 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.<br /> <br /> 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.<br /> <br /> For more information and to locate an American Academy of Cosmetic Dentistry AACD member dentist near you, please visit www.YourSmileBecomesYou.com.<br /> <br /> Ref: Eating - in Blogs

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