(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.<br /> <br /> 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)<br /> <br /> According to Torabi, increasing savings is key to stability and gives people the ability to quickly recover when there are ups and downs.<br /> <br /> 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.<br /> <br /> 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.<br /> <br /> 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.<br /> <br /> 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.<br /> <br /> Check out chase.com/autosave for more information and tips on how to make savings work for you.<br /> <br /> Ref: Crowdfunding - in Blogs

(NewsUSA) - Now more than ever, building relationships is important to small businesses so they can compete in the global marketplace.<br /> <br /> The Smart Money Network is a community of digital marketing experts whose mission is to support entrepreneurs as they grow their businesses, especially in the new and increasingly online economy.<br /> <br /> Having a partner to navigate the field of digital marketing can help small businesses get the edge they need. The Smart Money Network collaborates with small business clients and coaches them on how to engage a target audience with the right message at the right time, using a combination of digital tools and the power of persuasion. <br /> <br /> The Collaboration Starts with A Conversation. <br /> <br /> "Conversation is the seed of opportunity," according to the Smart Money Network website. Experts work with small business owners and entrepreneurs to find and build relationships with their target audiences using social media platforms such as LinkedIn, then deploy tried-and-true principles of persuasion that convert to new business opportunities.<br /> <br /> Author Robert Cialdini describes six principles of persuasion in his book, "Influence - The Psychology of Persuasion." These principles include the concepts of scarcity (making your product or service seem more desirable), reciprocity (using small favors to entice), likability (pleasantness can go a long way), consensus (word of mouth that others use your product or service), consistency (customers need to feel they can count on what you say you will deliver), and authority (make sure you support your products or services with facts about your experience and credentials).<br /> <br /> These principles can be applied in the world of digital marketing, which is becoming increasingly essential in the post-COVID-19 entrepreneurial environment. More people are spending more time online, and learning how to grab the attention of potential clients can help businesses flourish.<br /> <br /> Smart Money Network creates intentional done-for-you social media campaigns that position clients as authoritative and credible resources, and drives up to 30 new business opportunities a month.<br /> <br /> According to Smart Money Founder and CEO Mike Harris, "You only have about three seconds to capture someone's attention and give them enough information to determine whether you are worth connecting with."<br /> <br /> Visit smartmoneynetwork.net to learn more about how to make the digital connections that can boost your business.<br /> <br /> Ref: Finance - in Blogs

(NewsUSA) - In periods of change, we often find comfort in simple pleasures. A great burger is one of them.<br /> <br /> Yet, some of those simple pleasures have been compromised by the dramatic changes caused by COVID-19, including the disruption of the animal meat industry. Meat plants are closing, causing meat to be harder to find and its prices to rise. Some grocers are limiting the amount of meat shoppers can buy to curb pantry loading.<br /> <br /> I know these issues will be resolved as the pandemic subsides. The animal meat industry will recover, and supply chains will be restored. But right now, you may be asking: What do I do without meat?<br /> <br /> Now is the time to try plant-based protein. Made from simple ingredients you know, Lightlife plant-based meat is as nutritious as it is delicious. And you can find the products in your grocer's meat case.<br /> <br /> To be clear, I'm not against the animal meat industry. I believe we're all trying to solve the same complex challenge: how to feed Americans during this pandemic. But I do believe no diet should be entirely dependent on animal meat. That's why Lightlife is committed to delivering plant-based protein throughout the country to ensure as many people as possible have access to the food they need.<br /> <br /> At Lightlife, we're not asking you to give up animal meat. If you want to eat meat, eat meat. But we believe you should also eat plants: whole plants and plant-based protein. That's why we strive to bring more high-protein options to your table. Fortunately, the trend toward eating more plant-based protein began well before COVID-19, driven by a desire for more balance and variety in our diets, as evidenced by the fact that 44 percent of Americans now describe themselves as flexitarian.<br /> <br /> In fact, Lightlife sales were up significantly in the first quarter of 2020. And longer term, the plant-based meat category is expected to grow exponentially, with the Good Food Institute predicting a threefold increase in the number of American households regularly purchasing plant-based protein1.<br /> <br /> The reality is it takes a little more work these days to make a good burger, even the ones we make with simple ingredients. I want you to know that we're committed to your dinner table. And your lunch table. And if you want a burger for breakfast, your breakfast table, too.<br /> <br /> I am so proud of our production teams working around the clock to ensure our products are available at your local grocer. To ensure their health and safety, we have taken additional steps including social distancing wherever possible, daily temperature checks and health screenings, face coverings, increased sanitation efforts, and staggered breaks and start times to reduce the potential for congestion. This is in addition to the sanitation procedures our team is already accustomed to, and the variety of Personal Protective Equipment (PPE) we routinely wear.<br /> <br /> This is all part of our dedication to getting high-quality, plant-based protein to your tables. Because whether your burger is made from ground beef or plant-based ingredients, a good burger is something we can all agree on. And I believe that together, we will celebrate that simple pleasure once again.<br /> <br /> Ref: Diet - 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

(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

Just me writing my little story! It's a coming of age story about a girl graduating from high school and not being sure where to go from there. Her family and friends help her out with a little bit of chaos and a lot of luck! <br /><br />“T! Can I borrow your notes for French?” Hailey fluttered her eyelashes at me and gave me her most winning smile, knowing that my notes were at least twenty times better than hers. I rolled my eyes and reached for my bag. I was ready for the French exam later, it was on my study schedule to be way beyond prepared. I started studying months ago so that I could get all of my sleeping in. Of course, Hailey almost never sleeps. <br />“Oh my gosh, girlie hand them over,” speaking of not sleeping, Evelyn had just walked over and was holding her hand out to me. I’m not sure how Evelyn ever slept, since she ran with me every morning at 5 am and she was on every sports team that she could fit into her schedule, plus some advanced classes. <br />“Hey, hey, no! I asked first!” Hailey gave a pouty look, her lip out and her eyes big. With her tiny frame and overly stunning blue eyes she looked adorable, but I knew that Evelyn probably needed the notes more. She struggled with French, and Hailey had had me and Cardan there to help her all year. Evelyn and I had only become friends a couple of months ago, despite having run the same route together everyday for the past four years. <br />I shoot Hailey a sympathetic smile and pull out my red notebook with Iron Man stickers coating it and hand it to Evelyn.<br />“Eek! You’re the best!” She planted a kiss on my cheek, which earned me a jokingly jealous look from Hails. Honestly, I couldn’t blame her either. With her perfectly clear brown skin and her hair always done up in some sort of cute braids, Evelyn was one of the prettiest girls in our grade. Of course, she was also a sweetheart and therefore sat down on the couch next to Hailey so that they could review together. Hailey started chattering with Evelyn about something or another as I closed my eyes, drifting off to sleep. <br /><br />“Pencils down!” Madame Saker’s yell startled me awake and I heard a small, stifled chuckle from Cardan, who was sitting next to me. I wiped the little bit of drool off of my face and shot him a quick glare, but by the time I looked over, he was already staring at his exam again, his lower lip firmly stuck between his teeth. Honestly, at this point it’s a miracle that he still has lips with how often he gnaws on those things. We start passing our tests forward and I toss my pencil onto his desk to get his attention. When Cardan looks over at me, his brow is furrowed and he looks moments from a panic attack. I throw him a thumbs up and a questioning face and he gives a despairing shrug. Cardan is actually one of the smartest kids in our grade, but he never believes he did well on literally anything. I know that the five seconds between our tests getting to her and Madame dismissing us could be vital to Cardan’s mental state, so I reach over and grab his hand. It’s shaking, but he intertwines his fingers with mine and takes a breath deep enough that people across the world could have seen it. He squeezes my hand right as Madame calls that we can leave. The bell won’t ring today because it “disturbs the mind of a studying student”. Basically, the headmaster thinks that anyone who is currently studying and not in an exam will be startled really badly by the bell, even though we are all expecting it. <br />Cardan releases my hand with a small smile and grabs his bag. No one else in the room has theirs except for Hailey who is already pulling out her dance notebook. I grab my pencil from Cardan’s desk and tuck it into my ponytail as I walk over to Hails, Cardan trailing behind me. <br />“So, T, how did you do? Cause I think that I messed up the conjugation of être on the fifth question, but it was a fill in the blank, and if that’s all I messed up, we’re totally fine… Do you think that I could run tendus twice today without some of the younger kids getting annoyed? It really helps their turnout, but they also complain sometimes…” Her tongue appears between her teeth as she scribbles in her notebook, completely lost to the rest of us now. Cardan and I exchange an eye roll over her head. Surprisingly easy, considering that she stopped growing in like fourth grade at 4’ 10”. <br />“Thanks for the notes Tiana, they really helped!” Evelyn bumps my shoulder lightly as she walks past and I wave goodbye to her before placing a gentle hand on Hailey’s back and scooping up her bag, steering her in the direction of the common room. She continues mumbling under her breath as Cardan pulls out a book and follows behind us, already lost to the world as well. <br />By the time we reach the common room, I’ve had to steer the two of them to avoid five different people rushing around and at least three people who tried to talk to them about the exams we’ve taken. Of course, neither of them know this, and both collapse on a couch to continue what they were doing, giving me the room to climb between them and take a nap with my head on Cardan’s lap and feet on Hailey’s. <br /><br />It’s Hailey who wakes me up about an hour later in order to remind me that we need to change for the parties later tonight. Since we’re seniors, we kind of get a free pass to go to every single end-of-year party, and Hailey is also friends with everyone, so she has people to see at all of them. Cardan takes this as his cue to leave, and kisses both of us on the forehead before heading upstairs to his room. He’s probably packing up his cat’s supplies for the trip home tomorrow. I’ll have to leave hails at some point tonight to check up on him before he gets too in his head about going home. <br />“So, what are we thinking? I know that the soccer girls always wear their jerseys, but like cropped or bedazzled or whatever you guys do to them, but I don’t think that you can wear that to every party… Or maybe we could stop back here and change between that and other parties. Well, I wouldn’t want people at the parties to notice you changed, since that might be a little weird. Oh! Can you do my hair for tonight? I can’t just wear it in a ballet bun like usual, since that is what I do all the time. Oh my gosh! Did I send out the message to remind the kids that classes are canceled tonight?” Hailey continued rambling, thankfully remembering that she did actually send out the reminder, several of them actually, as I steered her to our bedroom. She flopped back on my bed, still talking, as I slipped out of my leggings and tank top and into a pair of ripped skinny jeans with my purple and red jersey that Hailey had stitched into a crop top and bedazzled the number 8 on the back. She was still talking as I shoved my clothes in my laundry hamper, so I grabbed one of her decorative pillows that was on the floor and threw it at her. <br />“What?” Hails sat up, and finally looked at me, a cute blush coloring her cheeks as she realized I was already changed. “Are you gonna take that pencil out for the party?” That was her only verbal acknowledgement of my clothes change as she headed over to her closet and grabbed a cute purple dress and white ballet slippers, slipping in for five seconds before coming out already changed. <br />“Hair?” She threw me another dazzling smile before plopping back on my bed. I grabbed my hairbrush from its place on the dresser and climbed on the bed behind her, listening to her ramble about everyone’s summer plans and pretending that it was okay that I had absolutely no clue what I was planning to do once summer ended. I had no college plans, no job plans, nothing prepared for my life. <br />“Done!” I finally said, cutting Hailey off a little, but she barely noticed as she pranced to the mirror to look at her wraparound braid. <br />“You’re an angel! Thank you!” Hails ran back and kissed my cheek before grabbing earrings off of the mess on her dresser and sliding them in as I pulled out my phone. I had a text from Cardan asking if I was done with the book he lent me and double checking the dates I was staying with him, a text from Evelyn that was just a picture of her jersey that she had cut holes into the side of and made slimmer around the waist to fit her, and a few texts in the soccer group chat about who was bringing what. I ignored the group chat, sent Evelyn a thumbs up and a selfie and shot a quick reassuring text (or seven) to Cardan before tossing my phone down and shrieking when I found Hailey standing an inch from my face. <br />“Ready?”<br />“You’re a pain,” I mumbled as I stood up, reaching for my phone again and tucking it in my back pocket. “Let’s go.”<br />“YAY!” Hailey pranced from the room, leading me to the first party of the end of my high school life.

<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: Photography - in Blogs</span>

(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: Decoration - in Blogs

(NewsUSA) - A gold coin worth $7 million dollars. What could make one coin so valuable? The coin, purchased at an auction in 2002, was a 1933 Double Eagle, a survivor from a time when the U.S. government made owning gold illegal. Now, due to the economic downturn, Americans might be turning their attention to gold once again.<br /> <br /> People have used gold coins since 640 B.C. -; the metal has inherent value, making its value more stable than paper currency. It is soft, malleable and easily hammered thin. Pure gold does not rust or tarnish -; it keeps its beauty and value, no matter its age.<br /> <br /> The U.S. first produced official gold coins in 1795, with $5 and $10 coins that still remain attractive to serious collectors. Massive amounts of gold were later discovered in the U.S. in 1848. By 1849, America was making the Double Eagle, or the Twenty Dollar Gold Coin. Containing nearly a full ounce of pure gold, Double Eagles remain some of the most famous coins ever minted. The first U.S. Mint, located in Philadelphia, produced gold coins up until 1933.<br /> <br /> So, why did they stop? The U.S. entered a financial crisis. Banks failed, and the U.S. economy started to fall fast. Americans no longer wanted unreliable paper or cheap-metal currencies -; in a time of economic insecurity, gold coins promised to retain their value. In response, the federal government decided to outlaw gold. Americans exchanged their gold coins with the federal government, where the Double Eagles were melted into gold bars. Those same gold bars still exist, in storage, at Fort Knox. A few straggling Double Eagle coins escaped the recall -; now, they fetch millions of dollars at auction.<br /> <br /> And they might soon become more valuable. The current financial crisis has once again made gold interesting to investors -; according to the New York Mint, gold is selling at unprecedented levels.<br /> <br /> For more information about gold coins or coin collecting, please contact the New York Mint at 800-642-9160 ext. 4390 or visit its Web site at www.newyorkmint.com.<br /> <br /> Ref: Collectors - in Blogs