(NewsUSA) - How much will I need for my kid's college education? And how the heck will I pay for it?<br /> <br /> 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.<br /> <br /> "Madness," she decried.<br /> <br /> Which is all the more reason to mark May 29 down on your calendar.<br /> <br /> 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.<br /> <br /> "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."<br /> <br /> And now to the big question: How much?<br /> <br /> Two factors are mainly at play:<br /> <br /> * 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.<br /> <br /> * 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.<br /> <br /> One guess where 47 percent of the costs came from. That's right, "family income and savings," with another 24 percent covered by borrowing.<br /> <br /> 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.<br /> <br /> 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.<br /> <br /> 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.<br /> <br /> 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.<br /> <br /> Hopefully, armed with all that info, you'll be sleeping better at night.<br /> <br /> Ref: Family - in Blogs

(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) - 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

(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

<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

<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) - "To shave strokes from your golf game, the only equipment you need is a good eraser."<br /> <br /> Although this phrase is uttered jokingly by many golfers, recreational golfers who've reached their plateau have had very few other options, until now.<br /> <br /> "If recreational golfers insist on following the rules used by the PGA Tour, there's little they can do to immediately improve their game," says John Hoeflich, executive director, of the United States Recreational Golf Association (USRGA). "However, if they play by USRGA rules, they do have the option to switch to better equipment."<br /> <br /> The USRGA is the official organization that governs recreational golf. Its rules allow the use of higher-performance golf equipment. Hoeflich estimates that more than half of U.S. golfers agree with the USRGA rules that permit equipment that "puts fun back in the game, speeds up play and helps achieve better scores."<br /> <br /> Callaway Golf started the recreational equipment movement in 2000 with the ERC II driver. Now Polara Golf is advancing the movement with its Advantage driver and Ultimate Straight golf balls -- both engineered to eclipse the PGA limits, which means you can't play them in the Masters or U.S. Open.<br /> <br /> David Felker, chief technology officer for Polara Golf, explains, "Our drivers and balls are not intended for the top amateur players and professionals. We purposely designed equipment that exceeds the performance limits accepted by the PGA Tour, so that recreational golfers can experience less frustration, score lower and have more fun."<br /> <br /> A 2012 Google consumer survey revealed that 63 percent of respondents would consider using golf equipment that provides a performance advantage. This sentiment is shared by the PGA of America president, Ted Bishop, who says, "I think anything we can do to relax the rules, if it means putting non-conforming equipment in the hands of players that enable them to hit the ball higher and farther and enjoy the game more -- what's the problem?"<br /> <br /> According to the National Golf Foundation, golf rounds have fallen by 8 percent since 2007, largely due to the frustrations of the game, excessive play times and high costs.<br /> <br /> "The technology now exists to make golf more pleasurable for everyone," says Felker. "Who doesn't want to have more fun?"<br /> <br /> For more information, visit www.polaragolf.com and www.usrga.org.<br /> <br /> Ref: Golf - 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