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    Nichole nlschack
    Follow me as I explain a different way to view the mundane of everyday life. Sometimes it's better to take a good look around you and discover the beauty that is right infront of you.

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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
    53 0

    Millie Millie_Zemlak
    (NewsUSA) - Americans may read thrillers and watch adventure movies, but their days aren't exactly fueled by pure adrenaline. They work, drive the kids to soccer practice, eat dinner, watch HBO -- but those with a handheld GPS can satisfy their thirst for adventure through modern day treasure hunts, or geocaching.

    Geocaching is a global treasure-hunting game. Someone hides an item, uses a GPS to determine its coordinates, and then posts the information online. Geocache-seekers then use their own GPS units to track down the geocache, usually a box or a small item and a logbook.

    The game sounds deceptively simple. While geocachers know the items' coordinates, reaching them might require a workout -- some locations require hiking and climbing, for example. Also, GPS units only take geocachers within 10 to 15 feet of the geocache, which is hidden to avoid accidental discovery by "Muggles" -; those uninitiated in the ways of geocaching.

    Geocaching.com, the largest Web site for geocachers to announce new geocaches and log their successes, lists over 1,000,000 geocaches in over 200 countries.

    The game has become so popular that GPS manufacturers are starting to design handheld GPS units specifically for geocaching. For example, the Magellan eXplorist GC (www.magellangps.com) includes a seamless connection to geocaching.com, a sunlight-readable color screen and a simple user interface to make geocaching a breeze. The unit is waterproof and comes pre-loaded with the coordinates of the most popular geocaches in the world. The GPS chipset promises 3-meter accuracy.

    Of course, the eXplorist GC also comes with standard outdoor features, including waypoint creation, a worldwide basemap, active tracking and a trip odometer.

    When geocachers find a geocache, they write their name in the logbook or exchange one of the items in the cache for one of equal value. Then they put the cache back in its original location, so other treasure-seekers can enjoy the thrill of the chase and, perhaps, discover a place previously unknown to them.

    For more information about the eXplorist GC, visit www.magellangps.com/eXploristGC/.

    Ref: Hiking - in Blogs
    67 0

    Millie Millie_Zemlak
    (NewsUSA) - Sponsored News -Whether you are in a hotel room, at your desk, in an RV, or by a campfire, it can be difficult to get a good cup of coffee away from home. With the holiday travel season in full swing, travelers are wondering how best to enjoy their morning java while on the go.

    Most away-from-home coffee options have major drawbacks. Hotel room coffee makers are convenient and cheap, but the coffee they brew means a major compromise on taste. Local cafes often offer good coffee, but the cost of all those to-go cups can really add up. Existing travel coffee presses offer a way to brew while on the go, but they typically brew slowly and therefore brew a bitter and very acidic cup.

    Travelers benefit from being able to brew delicious coffee quickly and easily wherever they are. Luckily there is a perfect way to do just that. The AeroPress Go travel coffee press brews up to three cups of delicious hot or cold brew coffee that is richer, smoother, and lower in acidity than coffee brewed by other travel presses. Simply add ground coffee and water, stir briskly, press, and enjoy a cup of hot or cold brew coffee in just a minute or two.

    The AeroPress Go travels self- contained in its own mug with a lid, making it easy to fit in a suitcase, in a desk, with camping gear, in an RV or in a backpack. It is compact, lightweight, and durable, making it easy to transport. And it cleans up in just a few seconds with a quick rinse.

    The AeroPress Go's ability to make cold brew coffee is a big additional advantage because it can be used where there is no access to hot water. Wherever you go, there is almost always a source of water, but often no way to heat it. Use the AeroPress Go to join the hot new trend of drinking coffee that's an amazingly smooth, rich cold brew. With the AeroPress Go, it's easy to brew a cup of cold brew using unheated water in about two minutes.

    Visit https://aeropress.com/ for more information about how to brew great coffee on the road.

    Ref: Gadgets - in Blogs
    54 0

    Millie Millie_Zemlak
    (NewsUSA) - Sports-related injuries are common and, when an athlete is hurt, care follows a proven, long-standing protocol of rehabilitation. But what happens when impact occurs to the head, face or jaw, and -- at the time -- no immediate injury is diagnosed?

    Weeks, months or even years later, many of these players begin to experience headaches, TMJ/D, migraines, vertigo or tinnitus -- estimated to impact 50 million people in the U.S. to some degree.

    "Undiagnosed head trauma from sports injuries -- or other types of impact, including minor car accidents -- is one of the most common causes we see of chronic headaches, migraine, tinnitus and vertigo," says Dr. Ben Burris, an orthodontist with 28 clinics in Arkansas.

    Now, these long-term and sometimes debilitating conditions can often be resolved with a painless, non-invasive treatment without drugs or needles -- and all at the dentist's office.

    "For over three years, we have been able to help patients with conditions caused by sports injuries," says Dr. Tad Morgan of Tyler, Texas. "If you damaged your knee or shoulder, you would go to the sports medicine clinic for rehab. With injuries to the head, face or jaw, rehab was unavailable until the advent of TruDenta care."

    Once diagnosed using a painless, digitally enhanced process, patients receive treatment through a proprietary combination of FDA-cleared, low-level laser therapy, therapeutic ultrasound and other modalities. Each of these was originally developed by MDs in sports medicine to speed the healing of joints and force-related traumas. The TruDenta system can quickly resolve issues in the head, neck, face and jaw, which people may have suffered for years.

    "Many of our patients with chronic headaches and migraines are females who have played sports -- soccer, gymnastics or even cycling," says Dr. Richard Hughes of Sandy, Utah. "The common denominator is some form of undiagnosed head trauma which was not properly rehabilitated and resulted in long-term painful symptoms."

    TruDenta doctors report rapidly resolving these issues for the majority of patients with long-lasting results. Care is often covered by medical insurance, and TruDenta doctors provide a free consultation.

    "We are excited to help these patients in 12 weeks or less without drugs or needles," says Dr. Jeffrey Mastroianni of Glen Carbon, Illinois. "It is truly life-changing for many."

    To download the free e-book "Start Living Pain Free," visit www.TruDenta.com/NUSA or call 844-202-2651.

    Ref: Fitness - in Blogs
    60 0

    Samuel ic_sammie
    *I Will Keep Pushing Until I Push Through*

    I'll keep pushing, until I push through. Though the storms are fierce and roughly threatening, I will keep pushing. Though I might be uncertain in the journey and don't know how far I've gone and how much distance is left for me, I'll keep pushing. Though there's no one there to lean on and no support to beckon, I'll keep pushing. Though my strength is becoming weaker, and I cannot find the courage to continue, yet I'll keep pushing. Though the walls seem to be cracking and are about to collapse on me, with so much unseen danger, I'll keep pushing. Though I feel deserted, and find no one to believe in my dreams or help build with me, I'll keep pushing. Though the challenges may overwhelm me, and a whisper to quit surges its way to my heart, I'll keep pushing.


    Though the darkness tries to consume me, and the light seems too far away, I'll keep pushing. Though every step feels like a struggle, and every breath is a battle, I'll keep pushing. Though the weight of my doubts and fears threatens to crush me, I'll keep pushing. Though the path ahead is shrouded in uncertainty, and the future seems unclear, I'll keep pushing. Though I'm tired, worn out, and exhausted, I'll keep pushing. Though the voices of negativity echo in my mind, telling me I'm not good enough, I'll keep pushing.

    For every step forward, I'll take two more. For every obstacle, I'll find a way around it. For every setback, I'll learn and grow stronger. I'll keep pushing, not because I'm fearless, but because I'm brave. Not because I'm perfect, but because I'm persistent. Not because I have all the answers, but because I'm willing to learn.

    I'll keep pushing, until I reach the other side. Until I emerge stronger, wiser, and more resilient. Until I've achieved my dreams, and fulfilled my purpose. I'll keep pushing, until I've pushed through.

    So, I'll take a deep breath, square my shoulders, and keep moving forward. I'll face my fears, and overcome my doubts. I'll push through the pain, and rise above the struggles. I'll keep pushing, until I've reached the pinnacle of success. And when I finally emerge victorious, I'll look back on the journey, and smile. I'll smile at the struggles, and the setbacks. I'll smile at the doubts, and the fears. For I will have pushed through, and come out stronger on the other side.

    I keep pushing, for necessity is laid on me to push until I push through for the millions of lives that are connected to my breakthrough.



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    Vanessa Vanessa_Leannon


    70 0

    Millie Millie_Zemlak
    (NewsUSA) - Nurses remain an essential and trusted part of the health care system, and the nation faces an urgent need for nurses due to the COVID-19 outbreak.

    The World Health Organization is also celebrating the value of nursing by designating 2020 as the International Year of the Nurse and the Midwife. In addition, 2020 is the 200th anniversary of the birth of Florence Nightingale, the 19th- century social reformer known as the founder of modern nursing.

    The demand for nurses, and therefore for nurse educators, is likely to remain high, according to the National League for Nursing (NLN), as nurse educators are on the front lines teaching new nurses who are filling the shortages in hospitals and other health care settings.

    Nurse educators will likely continue to be well paid. Data from the Bureau of Labor Statistics estimate the median salary for nurse educators at $73,490. They may work in academic settings, but some expand their focus to teaching in schools, businesses, hospitals, and community agencies.

    The NLN shares some key advantages to becoming a nurse educator:

    - Intellectual stimulation. Nurse educators know the latest research in the field, and have the ability to share it with others.

    - Flexibility. Nurse education allows for more autonomy and a flexible schedule. Not to mention that technology allows educators to teach from anywhere in the world, at any time, from the beach to the ski slopes.

    - Research. Nurse educators have opportunities for research and publication in scholarly journals to advance the field of nursing and their own careers.

    - Meaning. The desire for a purpose-driven life steers many people to the nurse education field, where they can make a significant difference in a variety of ways.

    - Fulfillment. Nurse educators rejoice in encouraging young students, and take pride in their accomplishments.

    - Impact. Nurse educators, by shaping and developing the next generation of nurses and by working in their communities, will continue to impact the shape of healthcare for future generations.

    - Inspiration. Everyone remembers the teacher or teachers who made a difference for them by giving them that extra encouragement, or helping them explore paths they might not have seen.

    But quite possibly the number- one reason to become a nurse educator, according to the NLN, is the unique chance to "teach what you love."

    Many career tracks exist for potential nurse educators. Teaching requires at least a master's degree in either education or nursing, but these degrees may be earned through a traditional college setting or through the variety of fully accredited programs now available online.

    For more information about careers in nursing education, visit NLN.org.

    Ref: Health - in Blogs
    113 0

    Millie Millie_Zemlak
    (NewsUSA) - Most Americans don't have $400 saved to cover for an unexpected emergency, but a recent poll from Chase found that consumers may be ready to change that this year. 80 percent plan to save more and 51 percent say emergency savings is their goal.

    Savings is key to financial health and Chase Financial Education Ambassador Farnoosh Torabi has tips and advice on how to get started and make savings a habit. (watch video)

    According to Torabi, increasing savings is key to stability and gives people the ability to quickly recover when there are ups and downs.

    Chase is focused on helping encourage the habit of savings and support people by providing information and resources that can help customers on their savings journey.

    Take a first step by understanding your expenses and building a budget. Budget Builder is a great tool from Chase to help you monitor your monthly spending and saving.

    Once you have this baseline, the key to reaching your goals is to just start saving, even if you're starting small. "My advice is to automate," says Torabi. "There is a great feature through the Chase App called Autosave which allows you to decide on your own how much you want to save and how frequently you want to save, so you can feel in control of this. The good news is the technology does the savings for you." With this feature, you can save as little as $1 a day.

    While consistency is key, savings is about what works for you. In a month when you have extra cash, you can always accelerate your savings, but in a tighter month, it's all right to take a pause or draw from your savings to cover an unexpected expense.

    Check out chase.com/autosave for more information and tips on how to make savings work for you.

    Ref: Crowdfunding - in Blogs
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