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(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

MaruNaga offers you a best in-class vegetarian buffet. If you want to be healthy, the best way to achieve this goal is by eating well and exercising regularly. MaruNaga is the best way to start your healthy journey. <br /> <br /> What we need<br /> <br /> We're looking for healthy food influencers to invite their followers to our restaurant. We need you to post invitations to invite followers via a 15 second video or a permanent story. We'll send you $1500.00, or 150,000 gift-points once the post is done. If you're interested, simply say you're Interested in a comment below this post.<br /> <br /> CONDITIONS<br /> <br /> Audience<br /> United-States, UK, Australia<br /> <br /> Language<br /> English<br /> <br /> Channels<br /> Lifestyle, Fashion, Beauty, Travel<br /> <br /> Minimum Followers<br /> 1000<br /> <br /> Age Group<br /> 18-65<br /> <br /> Genders<br /> Any<br /> <br /> Post Type<br /> 15 Second Video or Story With Images<br /> <br /> Pay Per Post Amount in Money<br /> $1500.00<br /> <br /> Pay Per Post in Points. 100 Points = $1.00<br /> 150,000<br /> <br /> Commission Per Sale<br /> $0<br /> <br /> Item Shipped For Review<br /> None<br /> <br /> Must Create a New Creative From Scratch<br /> Yes<br /> <br /> Must Use The Images And Video Supplied<br /> No<br /> <br /> Must Follow Some Specific Guidelines<br /> No<br /> <br /> Must Avoid Saying or Showing Specific Things<br /> No<br /> <br /> Content Must Be Approved Before Posting<br /> No<br /> <br /> Delivery Delay in Days<br /> 5 Business day<br /> <br /> Delivery Exact Date<br /> None<br /> <br /> Our Website URL<br /> <a onclick="$('#phonebook-category-no-city').val($(this).text());" class="coolinks btn-scroll hashword" href="https://stallios.com/MaruNaga">MaruNaga</a><br /> <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: Influencer Marketing Offers - in Marketing</span>

**Embracing the Ethereal: A Celebration of White Flower Blossoms**<br /> <br /> In the tapestry of nature's grandeur, few sights rival the delicate allure of white flower blossoms. These ethereal blooms, with their pristine petals and subtle fragrances, evoke a sense of purity and serenity that captivates the soul. Whether nestled in a verdant garden, adorning a tree branch, or scattered across a meadow like scattered pearls, each white blossom tells a story of beauty and resilience.<br /> <br /> **The Elegance of White Blossoms**<br /> <br /> White blossoms, in their simplicity, exude a timeless elegance that transcends seasons. In spring, they herald renewal and hope, blanketing orchards and gardens with promises of abundance. Against the backdrop of lush greenery, their purity stands out, drawing admiration and inspiring contemplation. Each petal, a testament to nature's intricate design, delicately unfolds to reveal a pristine heart—a beacon of tranquility amidst life's bustling rhythms.<br /> <br /> **Symbolism and Cultural Significance**<br /> <br /> Across cultures and centuries, white blossoms have held deep symbolism. They embody purity, innocence, and spiritual enlightenment. In many traditions, they symbolize new beginnings, making them popular choices for weddings and ceremonies. The Japanese revere the cherry blossom (sakura) for its transient beauty, celebrating it with hanami—a tradition of enjoying the blossoms under spring's fleeting embrace. Meanwhile, in Western cultures, white roses symbolize love and reverence, gracing weddings and commemorations alike.<br /> <br /> **A Symphony of Fragrance and Form**<br /> <br /> Beyond their visual splendor, white blossoms enchant with their subtle fragrances. Jasmine whispers its sweet aroma on warm summer evenings, while magnolia releases its heady perfume in the early morning light. Each bloom adds a unique note to nature's olfactory symphony, inviting us to pause and immerse ourselves in their sensory delights.<br /> <br /> **Preserving Nature's Treasures**<br /> <br /> As guardians of our environment, we bear a collective responsibility to protect these natural wonders. Climate change and habitat loss threaten the habitats of white blossoms and other flora. By cultivating awareness and advocating for conservation efforts, we can ensure future generations continue to marvel at these exquisite gifts of nature.<br /> <br /> **Conclusion: A Call to Appreciation**<br /> <br /> In the fleeting beauty of white flower blossoms, we find solace and inspiration. They remind us to cherish life's ephemeral moments and embrace the beauty that surrounds us. Let us cultivate gardens of the soul where these blossoms bloom eternal, and in doing so, nurture a deeper connection to the natural world. As we celebrate their elegance and resilience, may we also pledge to preserve and protect these delicate marvels for generations to come.<br /> <br /> In the quiet majesty of white flower blossoms, let us discover the enduring poetry of nature's embrace. <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: Nature - in Blogs</span>

(NewsUSA) - No matter who you are or what business you are in, you're vulnerable to a cyber attack. That's the unfortunate reality of the times we live in.<br /> <br /> Think you're immune? There are millions of cyberattacks in the United States every year, with big companies like Home Depot, Adobe Systems, Sony, Citigroup, Target, Facebook, Evernote and The New York Times taking the biggest hits and falling victim.<br /> <br /> And like Fortune 500 companies that seemingly have the resources to battle data breaches, small businesses are just as exposed, if not more so. According to a Verizon Data Breach Investigations Report more than 70 percent of the businesses in the study that were breached had fewer than 100 employees. Those breaches result in huge losses. Trend Micro found that "cybercriminals steal as much as $1 billion a year from SMBs in the United States and Europe, alone."<br /> <br /> Which begs the question: If both large and small companies and the U.S. government can be compromised (even with security protocols in place), then what does that mean for individuals?<br /> <br /> It's a question that Dr. Robert Short, chief technology officer and chief technical scientist of VirnetX, struggled with and finally answered in the form of Gabriel, a set of secure encrypted communication apps derived from a CIA-sponsored Department of Defense project.<br /> <br /> "The genesis of Gabriel really was trying to solve the problem of how you make security transparent to the user. The means to automatically create a secure connection whenever a secure connection is needed to wherever it is needed, and create it on demand," says Short. "That has always been the vision behind Gabriel."<br /> <br /> The difference between Gabriel and other products, says Short, is that users do not have to transmit data to or store data with any third party, including VirnetX. In this way, data is stored only on their own devices. Essentially, users maintain control of their own data.<br /> <br /> Gabriel users also have secure, encrypted (spamless) email, text messages, free voice and video calls and picture or file share with other trusted Gabriel users in their network -- all directly from their personal device.<br /> <br /> Gabriel runs on iPhone, iPad, Android, Windows and Mac OSX. For more information or to download Gabriel go to gabrielsecure.com, the App Store or the Google Play store.<br /> <br /> Ref: Datacenters - in Blogs

(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) - 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) - 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