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(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) - Spring is here and that means it's lawn cutting season. In the interest of curbing your carbon footprint and "going green," you may want to consider an eco-friendly alternative to a healthy, beautiful lawn - an electric lawn mower. Options for self-propelled, high-powered electric lawn mowers abound, and there's a mower to fit every lawn and budget.<br /> <br /> Special features of modern electric mowers include variable speeds that allow users to adjust to different conditions on the ground. That means no need for extra effort when going uphill. In addition, electric mowers can be set for slower speeds to maneuver around flower beds, trees, or lawn furniture.<br /> <br /> Many top companies, including DR Power Equipment, Ryobi, Greenworks, and Craftsman and Kobalt, among others, offer a range of styles and models for battery-powered, self-propelled, walk-behind lawn mowers that feature the unique and efficient variable-speed electric transmission designed by General Transmissions.<br /> <br /> "With the variable-speed, self-propelled drive system, you mow the lawn at your own pace. Change speeds whenever you want by adjusting your grip on the speed control. You don't have to stop what you're doing to change speeds," says Wouter Barendrecht, chief executive officer of General Transmissions.<br /> <br /> "The electric drive has a motor on it that controls the self-propelled function, so you can disengage the cutting blade and still keep moving with the self-propelled feature operating," says Barendrecht.<br /> <br /> Still not convinced? Here are the top three reasons to try a battery-operated lawn mower this year:<br /> <br /> - Easy to use. Battery-powered lawn mowers are safe and simple to use. Speeds can be adjusted without stopping the mower, and you mow at your own pace. Many of them include mulching features, and some have batteries that can be used interchangeably with other electric equipment from the same manufacturer. Other features, such as telescoping handles, make storage a snap, especially for homeowners in townhouses or other areas with limited space.<br /> <br /> "These mowers weigh a lot less than comparable gas-powered ones, so they're easier to maneuver and easier to store. You can even hang them by their handles on a storage hook in your garage or storage area," says Jeff Land, vice president of merchandising and engineering at DR Power Equipment.<br /> <br /> - Economically smart. A battery-powered, self-propelled lawn mower saves money. Think of all the cash you can save on gas this season, not to mention oil and oil filters. The batteries charge on a standard household current, and most homeowners can mow an average-sized lawn (about an hour of mowing power) without the need to recharge.<br /> <br /> - Environmentally friendly. According to the Environmental Protection Agency, gas-powered lawn equipment generates 5 percent of the air pollution in the United States each year. In addition, a gas-free mower eliminates the noise pollution, gasoline smell, and potential contamination and hazards of spilled gas and oil.<br /> <br /> For more information, visit generaltransmissions.com/en/technology/electric/ to learn more about what makes battery-powered, self-propelled lawn mowers a good choice for today's many homeowners.<br /> <br /> Ref: Gardening - in Blogs

(NewsUSA) - Beauty, like health, goes beyond the visible surface. While many of us manage our wellness via diet, exercise and check-ups, we don't apply the same 360-degree approach to our beauty regimen. It's possibly due to lack of viable options.<br /> <br /> Neauvia International Group recognizes this incongruity and aims to transform the way we practice beauty and solve skin care challenges by extending its premium energy-based devices into the United States.<br /> <br /> In the hands of trained medical aesthetics professionals, Neauvia devices leverage sophisticated technology such as thermo-lifting and water peeling to deeply target your areas of concern. With years in the global skin care market, Neauvia's approach pairs this advanced technology with specially formulated skin care for remarkable results.<br /> <br /> "Over a decade of Neauvia's international skin care success has taught us that a single product does not meet the overall demands of and desired outcomes for patients or providers," says Sean Wilson, President of newly launched Neauvia North America. Best-in-class treatments do, however. They also require training and certification. So, take time to research your local plastic surgeons, dermatologists, aestheticians and med spas because they offer you access to these revolutionary non-invasive treatments that are not available for home use, and to professionals qualified to use them. They'll work with you to customize an optimal treatment plan to achieve your desired results.<br /> <br /> Often, using multiple technologies per session yields a marked difference. The Zaffiro treatment combines thermo-lift technology with the gentle exfoliation of water-resurfacing and specific solutions for your skin type and desired results. It delivers lifted, tightened and hydrated skin with less visible lines and wrinkles.<br /> <br /> Energy-based devices strengthen and surpass home treatments. Let's say you love the fresh feeling and smooth, even texture of your skin after you do an at-home face scrub. Try adding a water-peeling facial like the Zaffiro treatment once a month for more deeply cleansed and revitalized skin.<br /> <br /> Treatments can rejuvenate beyond your face and neck. Zaffiro's thermo-lift technology gradually heats the deep layers of the skin, stimulating collagen and prompting lifting and tightening effects. It can be applied to tighten the décolleté and upper arm skin, give the tummy and derriere a firm appearance and even help tighten up post-pregnancy belly skin.<br /> <br /> Innovative energy-based devices can yield beautiful effects by working with the body's natural functions in a way that is safe, reliable, and non-invasive. They're less costly and require little to no downtime. This makes them an excellent way to fine tune your appearance and delay signs of aging without a lengthy recovery time. In fact, many of these innovative treatments provide results when done over a lunch hour! Dr. Joshua Weitz, MD, CEO of Dermatology Associates of Rochester sees them growing in appeal and use. "The non-invasive market is the future, and I anticipate Neauvia will be a guiding light in providing exceptional solutions," Weitz says.<br /> <br /> A well-rounded skin routine ensures that your actions - daily, monthly, over time - compound for outstanding outcomes. Incorporating treatments using Neauvia energy-based devices is simple yet addresses the complexity of your skin and helps attain your best overall skin health and appearance.<br /> <br /> Ref: US - News

(NewsUSA) - Independent films are the heart and soul of the movie industry. These original works of art have the potential to push the boundaries of film; engage new, underserved audiences and, just maybe, develop into blockbuster hits seen by millions of viewers worldwide.<br /> <br /> This journey of growth, however, is no easy task. For an independent filmmaker, distribution can be the difference between a flop and a million-dollar success.<br /> <br /> How can filmmakers trump this trend? The Movie Studio (TMS) evolved with an answer to this ever-important industry problem.<br /> <br /> The TMS model is two-fold. The company both creates its own movies and simultaneously distributes other independent films. The combination provides TMS with a full library of diverse work that appeals to a broad network of buyers worldwide.<br /> <br /> Currently, TMS is focused on English-speaking films. Plans are in the works, however, to enter the foreign films language market in the near future.<br /> <br /> Gordon Scott Ventures, CEO, stated, "We are very excited to assist many independent producers, with their collective team in their quest for having their efforts rewarded by reaching audiences around the globe."<br /> <br /> TMS' growth comes through enrolling indie producers from the top film schools and film festivals. If recruited, producers have the opportunity to share their work with audiences in more than 60 countries. These moviemakers can also become a member of TMS' growing family of followers, shareholders and supporters, ultimately working together for a mutual profit.<br /> <br /> In addition, TMS continues to prove its value through its finesse and speed, period. The organization prides itself on giving viewers the power to decide for themselves if a film is successful.<br /> <br /> As a pledge to its commitment to the industry, the TMS team has solidified a powerful, well-coordinated media platform through NewsUSA and FilmFestival.com. This platform will boast a strong social media program intended to reach new independent producers and savvy film watchers alike.<br /> <br /> With the indie industry begging for more options to grow, TMS could be in the right position at the right time to swiftly become a leader in the entertainment industry at large.<br /> <br /> To learn more, please visit www.TheMovieStudio.com.<br /> <br /> Ref: Entertainment - in Blogs

(NewsUSA) - It seems as if there's co-ops for just about everything these days - condos, farms, horses, and now yachts.<br /> <br /> Consider this: as with anything worth having, there are expenses and hassles associated with boat ownership that you may not even be aware of. But partial (fractional) ownership offers "all of the luxury and none of the hassle" according to the website of yacht co-op management company Saveene.<br /> <br /> It works like this: The more fractions you purchase, the more yacht usage you can experience. For example, a 10 percent purchase equals approximately four weeks of yachting time each year; 20 percent entitles you to eight weeks, and so on.<br /> <br /> For those who enjoy the periodical pleasure of luxury boating, fractional ownership is more cost-effective than sporadic charters, and has several other advantages:<br /> <br /> - Predictability. Saveene fractional owners hold equity in the yacht and have the option to sell their fraction any time they like. Purchase as many fractions as you want, up to 10 fractions per yacht. When you choose your dates, contact Saveene and they will schedule and prepare your yacht for your arrival.<br /> <br /> - Pampering. When you arrive at the marina, the yacht is clean, stocked, and safety-checked. Chart your course in advance, or allow your captain to create a memorable itinerary. Bring any food and beverages you choose, or Saveene yachts accommodate a chef or catering service.<br /> <br /> - Peace of mind. With fractional ownership, you avoid many headaches associated with owning a boat outright, including maintenance, repairs, storage, transportation, and insurance. Saveene handles the business transactions of purchasing and selling the fractions as well when the time comes.<br /> <br /> Saveene offers a range of options for yacht enthusiasts - a Sea Ray Sundancer for $19,995, a 36' Carver Mariner for a one-time fee of $ 39,995, a 64' Aicon for $89,980 or a combined usage of these for $69,985. All types are available at the same marina for viewing before making a purchase.<br /> <br /> Sea Ray Sundancer: This 34-foot cruiser is ideal for families, and easy to maneuver along intercoastal waterways for boating, snorkeling, and dining at dockside restaurants.<br /> <br /> Carver Mariner: This 37-foot boat features a fly bridge suited for parties, a home-size galley to accommodate larger food prep or catering, and a full entertainment center.<br /> <br /> Aicon: The 64-foot yacht includes four full-sized cabins plus crew quarters to handle an extended excursion. All cabins include their own facilities and TV/DVD setups, and the yacht includes a collection of water toys for kids of all ages.<br /> <br /> Want to go bigger? Saveene is also taking orders for an 85-foot Azimut yacht.<br /> <br /> Other benefits include the opportunity to check out Saveene yachts for a risk-free trial and the ability to write off your fractional purchase on your taxes.<br /> <br /> For more information about the benefits of yacht co-ownership, visit saveene.com.<br /> <br /> Ref: Boats - in Blogs

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

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(NewsUSA) - As the calendar flips to another year, many employees will consider starting the new year on the hunt for a new job. In today's changing workforce, it is more important than ever for companies to realize that a salary alone is no longer enough to recruit or retain strong employees. According to a recent survey by Aflac, small businesses deserve a round of applause for their ability to keep employees happy. The report found that 85 percent of small-business employees are happy in their current job and more than half (51 percent) agree that most of or all of their happiness in their current job is because is a result of working for a small business.<br /> <br /> The keys to happiness<br /> <br /> Nearly a quarter of participants (23 percent) stated that the feeling of importance was the best part of working for a small business. Small businesses have the unique ability to make employees feel appreciated, respected and valued on a personal and professional level. In a small business environment, there are typically fewer layers between newcomers and leadership. This tight-knit structure of small businesses can create a family-like atmosphere that allows employees to feel that their opinions matter and that they play a significant role in the business's mission.<br /> <br /> Flexibility is also vital in creating employee happiness. According to the report, 30 percent of respondents noted that flexible scheduling was the best part of working for a small business. This can include working from home, leaving work early to play in a summer sports league or giving new parents an extra week of paid time off to help care for their newborn. A workplace that promotes healthy work-life balance can create happier, less stressed employees and can also increase employee productivity on the job.<br /> <br /> Unlocking improvements<br /> <br /> Although small businesses excel at keeping employees happy, there is always room for improvement. In a small-business community, money does not seem to be the only motivator. In fact, 65 percent of small-business employees indicate that an improvement in their benefits offerings would make them happier employees. By offering a robust benefits plan that includes voluntary benefits, small businesses can ensure that their employees are able to find the right benefits to meet their individual needs.<br /> <br /> Learn more at <a class="no-ajax" target='_blank' href="https://aflac.com/smallbusiness">https://aflac.com/smallbusiness</a><br /><br /> <br /> Ref: Business - in Blogs