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Aric Aric_Feeney
Category: Photography - in Blogs
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<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>
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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: Construction - in Blogs
"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: Construction - in Blogs
(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.<br />
<br />
"Many responsible consumers are uncertain what a 'sustainable' product or material is," notes Linda Jovanovich of the American Hardwood Information Center, www.hardwoodinfo.com.<br />
<br />
"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."<br />
<br />
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.<br />
<br />
Hardwood can also benefit a household's general well-being.<br />
<br />
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.<br />
<br />
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.<br />
<br />
Architect Stephanie Horowitz of Boston-based ZeroEnergy Design is another expert at creating contemporary, environmentally sensitive, family-friendly homes.<br />
<br />
"We regularly specify domestic, sustainably harvested hardwood floors," she says.<br />
<br />
"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."<br />
<br />
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.<br />
<br />
Visit www.hardwoodinfo.com for more about sustainability and healthfulness in relation to home applications and products using American hardwoods.<br />
<br />
Ref: Construction - in Blogs
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Millie Millie_Zemlak
(NewsUSA) - The days of using a stick, some string and a worm are as much a part of American culture as apple pie and baseball. Unlike that time, there are now many choices for anglers this spring, depending on where you'll be fishing.
In fact, selecting your gear is half the fun. But for starters, set aside the rods, reels, rigs, jigs and tackle, it's also just as important to remember these items that are often overlooked:
* Use sunscreen. You only have to suffer from sun poisoning one time to understand the relationship between sun and water. While the water may be cold and temperatures out-side chilly, sun reflecting off the water will still give you a burn. A sweat proof sunscreen that won't run and sting the eyes is ideal, as is one that won't leave a greasy residue that could adversely affect your grip.
* Wear a base layer. A thin T-shirt is a must as a base layer, better if it is made of fabric that wicks away moisture. There are even some that are made to be water repellent and stain resistant with anti-odor properties for those in warmer climes. Since this is the layer that is in direct contact with your skin, you want something that will allow moisture to escape as you sweat.
* Find the right pants. Spring days on the water are usually an all-day event, and call for versatility in your clothing. To that point, pants that convert to shorts are ideal. Like shirts, pants should be stain-resistant. Additionally, the pants should have plenty of pockets (with zippers) to carry anything extra. If you don't have access to a boat or dock, extend your fishing range with a good pair of fishing waders.
* Cover your head. Hats with a hard-hat liner will keep your neck, ears and head warm in cold weather. For warmer climates, a wide-brimmed hat will guard against sunburn, overheating and overexposure.
* Bring the extras. This could include a life vest, cooler or, if you happen to be a smokeless tobacco user, a portable spittoon like those offered by Flasr. The Atlanta-based company prides itself on creating the first-of-its-kind portable spittoon that is small enough to fit in your pocket and carry along wherever you go -- whether it's fishing on a lake or hunting in a blind. Its advanced closing mechanism ensures that it stays securely closed, eliminating the risk of spills and leaks.
For more information, visit www.flasr.com; Market listing: FLASR (OTCQB: FLSR).
Ref: Fishing - in Blogs
In fact, selecting your gear is half the fun. But for starters, set aside the rods, reels, rigs, jigs and tackle, it's also just as important to remember these items that are often overlooked:
* Use sunscreen. You only have to suffer from sun poisoning one time to understand the relationship between sun and water. While the water may be cold and temperatures out-side chilly, sun reflecting off the water will still give you a burn. A sweat proof sunscreen that won't run and sting the eyes is ideal, as is one that won't leave a greasy residue that could adversely affect your grip.
* Wear a base layer. A thin T-shirt is a must as a base layer, better if it is made of fabric that wicks away moisture. There are even some that are made to be water repellent and stain resistant with anti-odor properties for those in warmer climes. Since this is the layer that is in direct contact with your skin, you want something that will allow moisture to escape as you sweat.
* Find the right pants. Spring days on the water are usually an all-day event, and call for versatility in your clothing. To that point, pants that convert to shorts are ideal. Like shirts, pants should be stain-resistant. Additionally, the pants should have plenty of pockets (with zippers) to carry anything extra. If you don't have access to a boat or dock, extend your fishing range with a good pair of fishing waders.
* Cover your head. Hats with a hard-hat liner will keep your neck, ears and head warm in cold weather. For warmer climates, a wide-brimmed hat will guard against sunburn, overheating and overexposure.
* Bring the extras. This could include a life vest, cooler or, if you happen to be a smokeless tobacco user, a portable spittoon like those offered by Flasr. The Atlanta-based company prides itself on creating the first-of-its-kind portable spittoon that is small enough to fit in your pocket and carry along wherever you go -- whether it's fishing on a lake or hunting in a blind. Its advanced closing mechanism ensures that it stays securely closed, eliminating the risk of spills and leaks.
For more information, visit www.flasr.com; Market listing: FLASR (OTCQB: FLSR).
Ref: Fishing - in Blogs
(NewsUSA) - The days of using a stick, some string and a worm are as much a part of American culture as apple pie and baseball. Unlike that time, there are now many choices for anglers this spring, depending on where you'll be fishing.<br />
<br />
In fact, selecting your gear is half the fun. But for starters, set aside the rods, reels, rigs, jigs and tackle, it's also just as important to remember these items that are often overlooked:<br />
<br />
* Use sunscreen. You only have to suffer from sun poisoning one time to understand the relationship between sun and water. While the water may be cold and temperatures out-side chilly, sun reflecting off the water will still give you a burn. A sweat proof sunscreen that won't run and sting the eyes is ideal, as is one that won't leave a greasy residue that could adversely affect your grip.<br />
<br />
* Wear a base layer. A thin T-shirt is a must as a base layer, better if it is made of fabric that wicks away moisture. There are even some that are made to be water repellent and stain resistant with anti-odor properties for those in warmer climes. Since this is the layer that is in direct contact with your skin, you want something that will allow moisture to escape as you sweat.<br />
<br />
* Find the right pants. Spring days on the water are usually an all-day event, and call for versatility in your clothing. To that point, pants that convert to shorts are ideal. Like shirts, pants should be stain-resistant. Additionally, the pants should have plenty of pockets (with zippers) to carry anything extra. If you don't have access to a boat or dock, extend your fishing range with a good pair of fishing waders.<br />
<br />
* Cover your head. Hats with a hard-hat liner will keep your neck, ears and head warm in cold weather. For warmer climates, a wide-brimmed hat will guard against sunburn, overheating and overexposure.<br />
<br />
* Bring the extras. This could include a life vest, cooler or, if you happen to be a smokeless tobacco user, a portable spittoon like those offered by Flasr. The Atlanta-based company prides itself on creating the first-of-its-kind portable spittoon that is small enough to fit in your pocket and carry along wherever you go -- whether it's fishing on a lake or hunting in a blind. Its advanced closing mechanism ensures that it stays securely closed, eliminating the risk of spills and leaks.<br />
<br />
For more information, visit www.flasr.com; Market listing: FLASR (OTCQB: FLSR).<br />
<br />
Ref: Fishing - in Blogs
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Millie Millie_Zemlak
(NewsUSA) - It's no surprise that parents today seek books that will delight, engage, and educate their children. However, some parents are seeing gaps in the available options of topics they want to share with their children. To combat this, there is a growing trend of parents who have taken matters into their own hands and turned to self-publishing to fill these holes themselves.
Kindle Direct Publishing (KDP) from Amazon is one self-publishing option that offers editorial freedom and ease of use for busy parents looking to create something that meets their kids' needs.
KDP success stories include Handeep Dhoot (who writes as "Dr. Dhoot"), a mom with a Ph.D. in chemistry who wanted to introduce her young daughter to STEM topics.
Dr. Dhoot has self-published the growing Tinker Toddler series of STEM books aimed at young children, including Machine Learning for Babies & Toddlers.
"Becoming a parent helped me realize the urgency for introducing scientific topics, like STEM, to kids while their brains are still developing. KDP allowed me to self-publish books that portray these ideas in an accurate and digestible way for kids, including my own daughter."
Gabi Garcia, a long-time school counselor and mom, turned to self-publishing when she saw a lack of books for Spanish-speaking and bilingual children about how to understand their emotions and feelings.
"It's so important to engage with children early to discuss mindfulness. Self-publishing on KDP empowered me to take all that I'd learned and seen as a school counselor and make it accessible to more children, in both English and Spanish."
She has published several books on these topics through KDP, including Listening to My Body, published in both English and Spanish. She now writes full-time on mindfulness and social awareness topics for children, parents, and educators.
Brendan Kelso struggled with dyslexia as a child, but found learning and performing dramatic monologues helpful. He enjoyed Shakespeare, but, like many young readers, found the text hard to understand.
After a career in engineering, he became a stay-at-home dad and came up with an idea to write versions of Shakespeare's plays that were more accessible to kids. His loveof theater and writing led him to self-publish several works through KDP, starting with Shakespeare's Hamlet for Kids.
"I have the freedom to spend more time with my family, while pursuing my passion on my own terms with KDP."
These parents have been able to create the books they couldn't find for kids and found financial success - and sometimes a whole new career - in the process.
For those parents who are toying with self-publishing, but still have questions, consider this:
* KDP lets authors set their own prices and retain all rights to their work.
* As an author, you can publish your book in minutes, and these books are available to a worldwide audience through Kindle online stores in 24-48 hours.
* You can publish Kindle eBooks and paperbacks in multiple languages.
Visit kdp.amazon.com for more information about Kindle Direct Publishing.
Ref: Encouraging - in Blogs
Kindle Direct Publishing (KDP) from Amazon is one self-publishing option that offers editorial freedom and ease of use for busy parents looking to create something that meets their kids' needs.
KDP success stories include Handeep Dhoot (who writes as "Dr. Dhoot"), a mom with a Ph.D. in chemistry who wanted to introduce her young daughter to STEM topics.
Dr. Dhoot has self-published the growing Tinker Toddler series of STEM books aimed at young children, including Machine Learning for Babies & Toddlers.
"Becoming a parent helped me realize the urgency for introducing scientific topics, like STEM, to kids while their brains are still developing. KDP allowed me to self-publish books that portray these ideas in an accurate and digestible way for kids, including my own daughter."
Gabi Garcia, a long-time school counselor and mom, turned to self-publishing when she saw a lack of books for Spanish-speaking and bilingual children about how to understand their emotions and feelings.
"It's so important to engage with children early to discuss mindfulness. Self-publishing on KDP empowered me to take all that I'd learned and seen as a school counselor and make it accessible to more children, in both English and Spanish."
She has published several books on these topics through KDP, including Listening to My Body, published in both English and Spanish. She now writes full-time on mindfulness and social awareness topics for children, parents, and educators.
Brendan Kelso struggled with dyslexia as a child, but found learning and performing dramatic monologues helpful. He enjoyed Shakespeare, but, like many young readers, found the text hard to understand.
After a career in engineering, he became a stay-at-home dad and came up with an idea to write versions of Shakespeare's plays that were more accessible to kids. His loveof theater and writing led him to self-publish several works through KDP, starting with Shakespeare's Hamlet for Kids.
"I have the freedom to spend more time with my family, while pursuing my passion on my own terms with KDP."
These parents have been able to create the books they couldn't find for kids and found financial success - and sometimes a whole new career - in the process.
For those parents who are toying with self-publishing, but still have questions, consider this:
* KDP lets authors set their own prices and retain all rights to their work.
* As an author, you can publish your book in minutes, and these books are available to a worldwide audience through Kindle online stores in 24-48 hours.
* You can publish Kindle eBooks and paperbacks in multiple languages.
Visit kdp.amazon.com for more information about Kindle Direct Publishing.
Ref: Encouraging - in Blogs
(NewsUSA) - It's no surprise that parents today seek books that will delight, engage, and educate their children. However, some parents are seeing gaps in the available options of topics they want to share with their children. To combat this, there is a growing trend of parents who have taken matters into their own hands and turned to self-publishing to fill these holes themselves.<br />
<br />
Kindle Direct Publishing (KDP) from Amazon is one self-publishing option that offers editorial freedom and ease of use for busy parents looking to create something that meets their kids' needs.<br />
<br />
KDP success stories include Handeep Dhoot (who writes as "Dr. Dhoot"), a mom with a Ph.D. in chemistry who wanted to introduce her young daughter to STEM topics.<br />
<br />
Dr. Dhoot has self-published the growing Tinker Toddler series of STEM books aimed at young children, including Machine Learning for Babies & Toddlers.<br />
<br />
"Becoming a parent helped me realize the urgency for introducing scientific topics, like STEM, to kids while their brains are still developing. KDP allowed me to self-publish books that portray these ideas in an accurate and digestible way for kids, including my own daughter."<br />
<br />
Gabi Garcia, a long-time school counselor and mom, turned to self-publishing when she saw a lack of books for Spanish-speaking and bilingual children about how to understand their emotions and feelings.<br />
<br />
"It's so important to engage with children early to discuss mindfulness. Self-publishing on KDP empowered me to take all that I'd learned and seen as a school counselor and make it accessible to more children, in both English and Spanish."<br />
<br />
She has published several books on these topics through KDP, including Listening to My Body, published in both English and Spanish. She now writes full-time on mindfulness and social awareness topics for children, parents, and educators.<br />
<br />
Brendan Kelso struggled with dyslexia as a child, but found learning and performing dramatic monologues helpful. He enjoyed Shakespeare, but, like many young readers, found the text hard to understand.<br />
<br />
After a career in engineering, he became a stay-at-home dad and came up with an idea to write versions of Shakespeare's plays that were more accessible to kids. His loveof theater and writing led him to self-publish several works through KDP, starting with Shakespeare's Hamlet for Kids.<br />
<br />
"I have the freedom to spend more time with my family, while pursuing my passion on my own terms with KDP."<br />
<br />
These parents have been able to create the books they couldn't find for kids and found financial success - and sometimes a whole new career - in the process.<br />
<br />
For those parents who are toying with self-publishing, but still have questions, consider this:<br />
<br />
* KDP lets authors set their own prices and retain all rights to their work.<br />
<br />
* As an author, you can publish your book in minutes, and these books are available to a worldwide audience through Kindle online stores in 24-48 hours.<br />
<br />
* You can publish Kindle eBooks and paperbacks in multiple languages.<br />
<br />
Visit kdp.amazon.com for more information about Kindle Direct Publishing.<br />
<br />
Ref: Encouraging - in Blogs
Read more
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Millie Millie_Zemlak
(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.
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.
"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."
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.
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:
* 40 percent said that while they don't regret going to college, they would've made different choices in hindsight.
* Only 14 percent felt the value of their education was worth more than the money they'd spent.
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.
"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.
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.
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.
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.
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.
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.
Ref: Education - in Blogs
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.
"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."
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.
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:
* 40 percent said that while they don't regret going to college, they would've made different choices in hindsight.
* Only 14 percent felt the value of their education was worth more than the money they'd spent.
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.
"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.
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.
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.
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.
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.
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.
Ref: Education - in Blogs
(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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Millie Millie_Zemlak
(NewsUSA) - Preparing to pop the question this Valentine's Day, but unsure how to choose the right engagement ring? Read on for all the tools you need to make the perfect pick!
While choosing an engagement ring can be exciting, the variety of settings, precious metals, and diamonds can be overwhelming. However, the following tips will help you in finding the ideal diamond engagement ring.
Set your price limit.
Before you start shopping, know how much you want to spend. There is no right or wrong amount to put toward a ring, and many beautiful stones and styles are available to suit any budget. It's important to note that lab-grown diamonds can be up to 40 percent less expensive than mined stones.
Learn the "4 C's" of diamonds.
These are: cut, color, clarity, and carat. Here's the translation:
Cut: The cut of a diamond is the most important factor in determining its fire, brilliance, and sparkle.
Color: Not all diamonds are clear; some have varying tints of yellow.
Clarity: A measure of the number of flaws or inclusions in the stone.
Carat: A measure of the weight of the diamond. However, more weight also indicates a bigger size.
Consider shape.
The common diamond shapes used in engagement rings are round, cushion, pear, oval, princess, radiant, and emerald.
Each of these shapes has its fans and distinctive features. For example, a round diamond is the classic engagement ring style, but the larger facets of a cushion style can enhance brilliance, and the elongated emerald cut presents a bold look that can make a diamond appear larger than its carat weight.
Choose a setting.
Deciding the right setting or diamond shape for your stone is a personal decision. Some people have specific ideas for a setting, and take more time on the stone, or vice versa.
However, not all settings accommodate all shapes so it's important to prioritize one or the other if you are set on a particular shape or setting.
Typical engagement ring styles include the solitaire, a simple band that showcases any diamond shape; halo, in which a central stone is surrounded by smaller diamonds; classic, which features a row of accent diamonds along the ring band; and vintage, which replicates design styles from different time periods.
Contemplate your center stone.
When it comes to your center stone, there are a few different options to choose from. Although diamonds are the most popular, birthstones, moissanite, and cubic zirconia are also great budget-friendly options.
In regards to diamonds, there are two types to choose from: mined diamonds and lab-created diamonds.
While mined diamonds are extracted from the earth, lab-grown stones are guaranteed to be ethically sourced and, as mentioned above, up to 40 percent less expensive.
Both types are identical in terms of chemistry and physical appearance. However, interest in lab-created diamonds has surged in recent years as more couples are concerned with sustainability, as well as beauty and romance.
Ref: Dating - in Blogs
While choosing an engagement ring can be exciting, the variety of settings, precious metals, and diamonds can be overwhelming. However, the following tips will help you in finding the ideal diamond engagement ring.
Set your price limit.
Before you start shopping, know how much you want to spend. There is no right or wrong amount to put toward a ring, and many beautiful stones and styles are available to suit any budget. It's important to note that lab-grown diamonds can be up to 40 percent less expensive than mined stones.
Learn the "4 C's" of diamonds.
These are: cut, color, clarity, and carat. Here's the translation:
Cut: The cut of a diamond is the most important factor in determining its fire, brilliance, and sparkle.
Color: Not all diamonds are clear; some have varying tints of yellow.
Clarity: A measure of the number of flaws or inclusions in the stone.
Carat: A measure of the weight of the diamond. However, more weight also indicates a bigger size.
Consider shape.
The common diamond shapes used in engagement rings are round, cushion, pear, oval, princess, radiant, and emerald.
Each of these shapes has its fans and distinctive features. For example, a round diamond is the classic engagement ring style, but the larger facets of a cushion style can enhance brilliance, and the elongated emerald cut presents a bold look that can make a diamond appear larger than its carat weight.
Choose a setting.
Deciding the right setting or diamond shape for your stone is a personal decision. Some people have specific ideas for a setting, and take more time on the stone, or vice versa.
However, not all settings accommodate all shapes so it's important to prioritize one or the other if you are set on a particular shape or setting.
Typical engagement ring styles include the solitaire, a simple band that showcases any diamond shape; halo, in which a central stone is surrounded by smaller diamonds; classic, which features a row of accent diamonds along the ring band; and vintage, which replicates design styles from different time periods.
Contemplate your center stone.
When it comes to your center stone, there are a few different options to choose from. Although diamonds are the most popular, birthstones, moissanite, and cubic zirconia are also great budget-friendly options.
In regards to diamonds, there are two types to choose from: mined diamonds and lab-created diamonds.
While mined diamonds are extracted from the earth, lab-grown stones are guaranteed to be ethically sourced and, as mentioned above, up to 40 percent less expensive.
Both types are identical in terms of chemistry and physical appearance. However, interest in lab-created diamonds has surged in recent years as more couples are concerned with sustainability, as well as beauty and romance.
Ref: Dating - in Blogs
(NewsUSA) - Preparing to pop the question this Valentine's Day, but unsure how to choose the right engagement ring? Read on for all the tools you need to make the perfect pick!<br />
<br />
While choosing an engagement ring can be exciting, the variety of settings, precious metals, and diamonds can be overwhelming. However, the following tips will help you in finding the ideal diamond engagement ring. <br />
<br />
Set your price limit.<br />
<br />
Before you start shopping, know how much you want to spend. There is no right or wrong amount to put toward a ring, and many beautiful stones and styles are available to suit any budget. It's important to note that lab-grown diamonds can be up to 40 percent less expensive than mined stones. <br />
<br />
Learn the "4 C's" of diamonds.<br />
<br />
These are: cut, color, clarity, and carat. Here's the translation: <br />
<br />
Cut: The cut of a diamond is the most important factor in determining its fire, brilliance, and sparkle.<br />
<br />
Color: Not all diamonds are clear; some have varying tints of yellow.<br />
<br />
Clarity: A measure of the number of flaws or inclusions in the stone.<br />
<br />
Carat: A measure of the weight of the diamond. However, more weight also indicates a bigger size. <br />
<br />
Consider shape.<br />
<br />
The common diamond shapes used in engagement rings are round, cushion, pear, oval, princess, radiant, and emerald.<br />
<br />
Each of these shapes has its fans and distinctive features. For example, a round diamond is the classic engagement ring style, but the larger facets of a cushion style can enhance brilliance, and the elongated emerald cut presents a bold look that can make a diamond appear larger than its carat weight. <br />
<br />
Choose a setting.<br />
<br />
Deciding the right setting or diamond shape for your stone is a personal decision. Some people have specific ideas for a setting, and take more time on the stone, or vice versa.<br />
<br />
However, not all settings accommodate all shapes so it's important to prioritize one or the other if you are set on a particular shape or setting.<br />
<br />
Typical engagement ring styles include the solitaire, a simple band that showcases any diamond shape; halo, in which a central stone is surrounded by smaller diamonds; classic, which features a row of accent diamonds along the ring band; and vintage, which replicates design styles from different time periods. <br />
<br />
Contemplate your center stone.<br />
<br />
When it comes to your center stone, there are a few different options to choose from. Although diamonds are the most popular, birthstones, moissanite, and cubic zirconia are also great budget-friendly options.<br />
<br />
In regards to diamonds, there are two types to choose from: mined diamonds and lab-created diamonds.<br />
<br />
While mined diamonds are extracted from the earth, lab-grown stones are guaranteed to be ethically sourced and, as mentioned above, up to 40 percent less expensive.<br />
<br />
Both types are identical in terms of chemistry and physical appearance. However, interest in lab-created diamonds has surged in recent years as more couples are concerned with sustainability, as well as beauty and romance.<br />
<br />
Ref: Dating - in Blogs
Read more
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Jason jason
1.Nihari,
Nihari is a delicious meat stew loved by people all over the world,
for its radiant beautiful aroma, rich savory flavor and tender fall of the bone meat which completely dissolves into your mouth giving you an experience of a lifetime.
It was originally invented in the 1800s to be consumed as a high energy, rich in nutrition and heavy on stomach dish
to keep the working-class citizens full all day long and to provide required energy.
However, in today's era it is eaten for its magical flavor which gives your tongue the flavor it craves!
The word Nihari comes from an Arabic word “Nahar” which means “Morning” as it was usually enjoyed in the daytime/early morning Its mouthwatering flavor attracted the Mughal Emperors (Nawabs) of that time who ate this delicacy to break their morning fasts.
It is traditionally served with naan (a fermented bread baked in a clay oven)
2. Namkeen rosh,
The word “Namkeen” in Urdu means “salty” As the name suggests it is this simple salty tender piece of meat which may not sound delicious to ‘ocean haters’ but, those who have tasted all confirm that it is indeed Delightful.
The ingredients only include;
. Diced Ginger & Garlic
. Meat (small pieces preferably fatty cuts)
. And most important Salt which gives this dish its signature taste.
Now begins the time to wait, to make the meat tender and melt in your mouth. After the meat is done garnish it with some green chilies and ginger (preferably; lengthwise). It is traditionally served with its own broth (yakhnee) and naan. It is quite popular and mostly enjoyed in the northern mountainous regions of the country as it helps the locals stay warm and meet body’s salt requirement.
3. Chicken tikka,
Tikka (BBQ chicken generally well charred, spicy and tangy in flavor) is the dream of every meat loving person.
It is enjoyed all over the sub-continent and the name of United Kingdom is also included in this list. Traditionally small boneless chicken pieces are marinated with traditional species and yoghurt (dahi) to tenderize and break down the meat fibers with vertical cuts all over the chicken to let it completely absorb the flavor. the meat is cooked over open fire (angheeti) OR they are grilled over charcoals.
The word “Tikka” is a Persian word meaning “bits / pieces” but if we listen to the people who have tried it, we can all agree that it should mean “outstanding flavor” because that's all this dish offers.
Nihari is a delicious meat stew loved by people all over the world,
for its radiant beautiful aroma, rich savory flavor and tender fall of the bone meat which completely dissolves into your mouth giving you an experience of a lifetime.
It was originally invented in the 1800s to be consumed as a high energy, rich in nutrition and heavy on stomach dish
to keep the working-class citizens full all day long and to provide required energy.
However, in today's era it is eaten for its magical flavor which gives your tongue the flavor it craves!
The word Nihari comes from an Arabic word “Nahar” which means “Morning” as it was usually enjoyed in the daytime/early morning Its mouthwatering flavor attracted the Mughal Emperors (Nawabs) of that time who ate this delicacy to break their morning fasts.
It is traditionally served with naan (a fermented bread baked in a clay oven)
2. Namkeen rosh,
The word “Namkeen” in Urdu means “salty” As the name suggests it is this simple salty tender piece of meat which may not sound delicious to ‘ocean haters’ but, those who have tasted all confirm that it is indeed Delightful.
The ingredients only include;
. Diced Ginger & Garlic
. Meat (small pieces preferably fatty cuts)
. And most important Salt which gives this dish its signature taste.
Now begins the time to wait, to make the meat tender and melt in your mouth. After the meat is done garnish it with some green chilies and ginger (preferably; lengthwise). It is traditionally served with its own broth (yakhnee) and naan. It is quite popular and mostly enjoyed in the northern mountainous regions of the country as it helps the locals stay warm and meet body’s salt requirement.
3. Chicken tikka,
Tikka (BBQ chicken generally well charred, spicy and tangy in flavor) is the dream of every meat loving person.
It is enjoyed all over the sub-continent and the name of United Kingdom is also included in this list. Traditionally small boneless chicken pieces are marinated with traditional species and yoghurt (dahi) to tenderize and break down the meat fibers with vertical cuts all over the chicken to let it completely absorb the flavor. the meat is cooked over open fire (angheeti) OR they are grilled over charcoals.
The word “Tikka” is a Persian word meaning “bits / pieces” but if we listen to the people who have tried it, we can all agree that it should mean “outstanding flavor” because that's all this dish offers.
1.Nihari,<br />
<br />
Nihari is a delicious meat stew loved by people all over the world, <br />
<br />
for its radiant beautiful aroma, rich savory flavor and tender fall of the bone meat which completely dissolves into your mouth giving you an experience of a lifetime. <br />
<br />
It was originally invented in the 1800s to be consumed as a high energy, rich in nutrition and heavy on stomach dish <br />
<br />
to keep the working-class citizens full all day long and to provide required energy. <br />
<br />
However, in today's era it is eaten for its magical flavor which gives your tongue the flavor it craves! <br />
<br />
The word Nihari comes from an Arabic word “Nahar” which means “Morning” as it was usually enjoyed in the daytime/early morning Its mouthwatering flavor attracted the Mughal Emperors (Nawabs) of that time who ate this delicacy to break their morning fasts. <br />
<br />
It is traditionally served with naan (a fermented bread baked in a clay oven) <br />
<br />
<br />
<br />
2. Namkeen rosh, <br />
<br />
The word “Namkeen” in Urdu means “salty” As the name suggests it is this simple salty tender piece of meat which may not sound delicious to ‘ocean haters’ but, those who have tasted all confirm that it is indeed Delightful. <br />
<br />
The ingredients only include; <br />
<br />
. Diced Ginger & Garlic <br />
<br />
. Meat (small pieces preferably fatty cuts) <br />
<br />
. And most important Salt which gives this dish its signature taste. <br />
<br />
Now begins the time to wait, to make the meat tender and melt in your mouth. After the meat is done garnish it with some green chilies and ginger (preferably; lengthwise). It is traditionally served with its own broth (yakhnee) and naan. It is quite popular and mostly enjoyed in the northern mountainous regions of the country as it helps the locals stay warm and meet body’s salt requirement. <br />
<br />
<br />
<br />
3. Chicken tikka, <br />
<br />
Tikka (BBQ chicken generally well charred, spicy and tangy in flavor) is the dream of every meat loving person. <br />
<br />
It is enjoyed all over the sub-continent and the name of United Kingdom is also included in this list. Traditionally small boneless chicken pieces are marinated with traditional species and yoghurt (dahi) to tenderize and break down the meat fibers with vertical cuts all over the chicken to let it completely absorb the flavor. the meat is cooked over open fire (angheeti) OR they are grilled over charcoals. <br />
<br />
The word “Tikka” is a Persian word meaning “bits / pieces” but if we listen to the people who have tried it, we can all agree that it should mean “outstanding flavor” because that's all this dish offers. <br />
<br />
Read more
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