(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

<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>

Beyond Ordinary Beaches: Solo Camping at Bukit Pengilon, Gunung Kidul, Yogyakarta<br /><br />Have you ever found yourself sitting idle, wondering where to go for your next adventure? The beach sounds appealing, but you want something different from the typical coastal experience. If this resonates with you, then you're in the same boat as I was, and I have the perfect solution to share.<br />Currently staying in Yogyakarta, I decided to explore one of the region's coastal gems. Yogyakarta is renowned for its stunning beaches, particularly in the Gunung Kidul area, which has undergone massive road infrastructure development in recent years. Access to Gunung Kidul from Yogyakarta city has become remarkably convenient and relatively quick. Among the coastal destinations in Gunung Kidul, my choice this time was Bukit Pengilon Beach.<br /><br />A Beach Unlike Any Other<br />Bukit Pengilon isn't your typical Gunung Kidul beach with pristine white sand perfect for water activities. Instead, it offers a breathtaking panorama of ocean views, coastal landscapes, rolling hills, and dramatic cliffs. The seascape from this vantage point is absolutely captivating, and I can confidently say that Bukit Pengilon ranks as the most beautiful beach in Yogyakarta. If you're visiting Yogya, you must experience this destination at least once.<br /><br />My Solo Camping Adventure<br />My beach getaway took place on May 30, 2025, and I planned an overnight camping trip to fully immerse myself in Bukit Pengilon's stunning scenery. This was a solo camping adventure, as none of my friends were available to join me at the time. I frequently embark on solo outdoor activities like camping because I genuinely enjoy the tranquility and peace that nature provides.<br /><br />Getting There<br />My journey began from Kaliurang, Sleman, Yogyakarta at 5:30 AM, arriving at Bukit Pengilon by 8:00 AM. The 2.5-hour drive passed smoothly despite moderate traffic conditions.<br /><br />Bukit Pengilon is accessible by both motorcycle and car, though cars cannot reach the main entrance directly. Car travelers must park at the designated area before the tourist site and either walk or hire local ojek (motorcycle taxi) services provided by village residents. The route from the parking area to the tourist site is quite challenging and steep, so motorcyclists should exercise caution.<br />Cost breakdown:<br /><br />Beach area entrance: IDR 8,000<br />Overnight motorcycle parking: IDR 10,000<br />Tourist site entry: IDR 2,000<br />Camping fee: IDR 20,000<br /><br />Optimal Visiting Times<br />The best times to visit Bukit Pengilon are during morning or late afternoon hours. Morning visits offer cooler sunlight and optimal lighting conditions for photography enthusiasts. As the sun climbs higher, temperatures can become uncomfortably hot for some visitors. Midday photography isn't ideal due to harsh lighting that diminishes the coastal panorama's visual impact.<br />If you have ample free time, consider staying until sunset, as the evening panorama is truly enchanting, especially by Yogyakarta standards.<br /><br />The Magic of Overnight Camping<br />For those with extended leisure time, I highly recommend experiencing this beach through overnight camping. Spending a full night at the coast proved surprisingly delightful and beautiful. You can enjoy your time while gazing at billions of stars overhead, accompanied by the rhythmic symphony of crashing waves.<br /><br />Stargazing Paradise<br />Astrophotography enthusiasts will find Bukit Pengilon an excellent choice for pursuing their passion. The starry panorama at Bukit Pengilon is absolutely magnificent. You can observe various stellar constellations including Scorpion, Ursa Major, and many others. Such pristine starry views are increasingly rare in Yogyakarta, particularly in urban areas where light pollution obscures celestial visibility.<br /><br />Why Bukit Pengilon Should Be Your Next Destination<br />After reading this account, I'm confident you'll be inspired to make this beach your next travel destination in Yogyakarta. Bukit Pengilon offers a unique coastal experience that transcends ordinary beach visits, combining natural beauty with adventure and tranquility.<br /><br />Whether you're seeking stunning photography opportunities, peaceful solitude, or an unforgettable stargazing experience, Bukit Pengilon delivers an extraordinary coastal adventure that will leave lasting memories.<br />Have you had similar experiences or questions about visiting Bukit Pengilon? Feel free to share your thoughts in the comments below!

<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) - Owning a home is a huge investment, and once they've owned long enough to build up equity, many homeowners opt to leverage the equity for other uses. But if you're on the fence about taking on another monthly loan payment, an option that may be right for you is co-investing.<br /> <br /> With a home equity loan, you borrow against the equity in your home and receive a lump sum of money that you have to pay back each month over a specified term - commonly 15 years. The interest rate is usually fixed, but is typically higher than your primary mortgage.<br /> <br /> Co-investing offers an alternative to traditional home equity loans. In a nutshell, the co-investing company pays the homeowner an upfront amount, with no repayments for a set number of years, or until the home is sold, whichever comes first. There may also be an option to buy the company out, after a minimum restriction period passes. This option can be ideal for a homeowner who wants access to cash without the added financial burden of monthly loan payments, who has lived in a home long enough to build up some equity, and plans to stay at least another five years.<br /> <br /> Unison, a San-Francisco-based real estate company, is a leader in the growing field of co-investment. Unison offers homeowners a cash payment of up to 17.5 percent of their home's current market value. When the house is sold or 30 years pass, the owner pays Unison an amount equal to the initial co-investment, plus (or minus) a percentage of the home's appreciated (or depreciated) value.<br /> <br /> Here's an example: A homeowner whose home is currently worth $500,000 and who needed $25,000 in cash (5 percent of the home's value) would repay an amount equal to $25,000 plus 25 percent* of the amount the house appreciates in value during the time of the co-investment. With a larger co-investment, the company receives a larger share of the appreciation in value.<br /> <br /> Homeowners can use their cash for anything, but Unison recommends something of long-term value, such as kids' college tuition, medical expenses, home remodeling, or investing in diverse stocks and bonds.<br /> <br /> Other benefits of co-investing: Keeping gains from remodeling work and keeping the equity built from prompt mortgage payments.<br /> <br /> Being a good candidate for homeowner co-investing is not so different from being a good homeowner generally. Unison requires that homeowners keep the home as their primary residence; stay current on payments for mortgages, property tax, and homeowners' insurance; keep the home well-maintained to retain and increase value; and keep Unison informed of issues, such as remodeling plans or emergencies, such as natural disasters, bankruptcy, or plans to sell the home.<br /> <br /> To find out how Unison can help you get the most out of homeownership, visit unison.com.<br /> <br /> *This is a possible percentage for illustrative purposes. The actual percentage varies based on the specific HomeOwner transaction.<br /> <br /> Ref: Housework - in Blogs

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As the most densely populated city in central Indonesia, Makassar offers a diverse array of captivating destinations for travelers. The strategic coastal position of Makassar makes it an important transit port for long-distance ships, serving routes from Surabaya to Papua. This strategic role is not new—since colonial times, Makassar has been a vital naval center, as evidenced by the magnificent presence of Fort Rotterdam.<br /><br />The Rich History of Fort Rotterdam<br />Fort Rotterdam was first constructed in 1545 by the 9th King of Gowa, Daeng Matanre Karaeng Tumapa'risi' Kallonna. Originally named Fort Ujung Pandang, this fortress was later surrendered to the Dutch VOC under the Treaty of Bungaya in 1667.<br />The fort's architecture is truly impressive, featuring six sturdy bastions surrounded by seven-meter-high walls and a two-meter-deep moat as a defense system. During its golden era, this fortress served as the central collection point for spices from across the Indonesian archipelago before being traded to European markets, making it one of the most important economic hubs in Southeast Asia.<br /><br />Transformation into an Educational Museum<br />Today, Fort Rotterdam has transformed into an educational museum that can be visited free of charge by all Indonesian citizens. The fortress atmosphere successfully maintains its classic ambiance, transporting visitors back to the colonial era.<br /><br />Within the fort complex, invaluable historical artifacts are housed and can be enjoyed by visitors of all ages, from children to adults. This place serves as the perfect educational venue for understanding Indonesia's historical journey, particularly in the South Sulawesi region.<br /><br />The museum showcases various collections that tell the story of Makassar's maritime heritage, colonial influences, and the rich cultural tapestry of the Bugis-Makassar people. Interactive displays and well-preserved artifacts provide visitors with an immersive learning experience about Indonesia's colonial past and its impact on modern society.<br /><br />A Photography Paradise with Classic Vibes<br />For photography enthusiasts, Fort Rotterdam offers an extraordinary location with stunning classic and aesthetic appeal. Various corners of the fort provide Instagram-worthy backdrops, creating the sensation of traveling back in time.<br /><br />You can pose freely and capture as many moments as desired at the numerous attractive spots available. The well-preserved colonial architecture provides the perfect backdrop for character-rich photo collections. The interplay of ancient stone walls, vintage cannons, and tropical vegetation creates a unique visual narrative that tells stories of centuries past.<br /><br />Whether you're interested in architectural photography, portrait sessions, or simply capturing memories with friends and family, Fort Rotterdam's diverse settings offer endless creative possibilities. Don't forget to share your best shots on your favorite social media platforms!<br /><br />Practical Information for Visitors<br />Opening Hours: Daily from 8:00 AM to 6:00 PM<br />Admission: Free for Indonesian citizens<br />Location: Jl. Ujung Pandang, Bulo Gading, Makassar<br />Best Time to Visit: Early morning or late afternoon for optimal lighting and cooler temperatures<br />The fort is easily accessible by public transportation, private vehicles, or ride-sharing services. Parking facilities are available on-site, and the location is within walking distance of other Makassar attractions, making it convenient to include in your city tour itinerary.<br /><br />A Living Testament to History<br />Fort Rotterdam is more than just an ordinary tourist destination—it stands as a silent witness to historical journeys that connect the past with the present. The combination of educational value, architectural beauty, and captivating photography experiences makes this place a must-visit when in Makassar.<br />The fortress represents the complex layers of Indonesian history, from the powerful Gowa Kingdom to Dutch colonial rule, and finally to Indonesia's independence. Walking through its corridors and chambers, visitors can almost hear the echoes of historical events that shaped not only Makassar but the entire Indonesian archipelago.<br />For history buffs, culture enthusiasts, and casual travelers alike, Fort Rotterdam offers a unique window into Indonesia's rich maritime heritage and colonial past, making it an essential stop on any Makassar adventure.<br /><br /><br />Have you had any interesting experiences while visiting Fort Rotterdam? Or do you have questions about this historical destination? Please share in the comments section below. Thank you for reading!<br />

(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) - Janie Bryant, the Emmy Award-winning costume designer for AMC TV's "Mad Men," knows what it takes to make clothes look great.<br /> <br /> Not only does she contribute to the visual representation of the entire cast, she brings a 1960s glamour to the period show that makes real people scour vintage shops to look like Joan Holloway and Don Draper.<br /> <br /> Sure, audiences love the characters and their drama, but the beautifully authentic wardrobe stole the spotlight from the start. In her role, Bryant sketches, designs and fits the costumes for each character, which includes custom-made items and rebuilt vintage gems.<br /> <br /> "One thing I've always been passionate about is how important presentation is to having great style. Looking pressed and polished is often just as important as what you're actually wearing," says Bryant, which explains why she released a fabric care guide of useful clothing advice.<br /> <br /> "The best way to pull off that look is to know how to take great care of your clothing. [The Mad Men] era is all about being wrinkle-free and permanently pressed."<br /> <br /> Take a look at some of Bryant's fabric care advice:<br /> <br /> * Some fabrics are vulnerable to water spotting -- like acetate, silk and suede -- so be careful when applying perfume or body spray. Delicate garments like these tend to require dry cleaning, or hand-washing, and low-heat settings.<br /> <br /> * Beware of "pilly" clothing that looks worn out, such as nylon and acrylic. If fabric is susceptible to pills, it's best to launder, dry and iron at low heat. You may consider laying these items out to dry, especially sweaters.<br /> <br /> * Although cotton remains the world's most popular fabric, it is prone to wrinkling. The majority of cotton clothing can be machine-washed, but items with embellishments or accents should be turned inside out or put in a delicates bag.<br /> <br /> * If wrinkles attack, use a fail-safe. Bryant trusts Downy Wrinkle Releaser so much that she advises you to have a bottle at home, in the office and in any overnight bag. Just spritz clothing, shake and gently pull to release stubborn kinks.<br /> <br /> "On or off the set, the clothes that I work with and wear always need to look their best," Bryant says. "Not only does Downy Wrinkle Releaser work well on the vintage fabrics I work with during the day, but all the modern fabrics found in stores today. It's a must-have for people who need to look neat and pressed and those who need to be out the door in a flash."<br /> <br /> For more information, visit www.downywrinklereleaser.com. <br /> <br /> Ref: Fashion Men - in Blogs