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    Millie Zemlak Millie_Zemlak
    (NewsUSA) - As the coronavirus pandemic rapidly turned the "new normal" household into hubs for all daily activities, Summer 2020 now means moving parents' offices, kid's camps, vacation destinations, and virtually everything under one roof.

    Although this dynamic could forge family bonds, it can also ignite the already heated stresses and struggles facing many Americans during this difficult time - making optimal home climate control a critical key to keeping their cool as temperatures heat up this season.

    Recent studies show how our increased togetherness can significantly disrupt domestic bliss. In fact, research suggests that people forced to live in quarantine conditions face a greater risk of anxiety, depression, anger, irritability, insomnia and post-traumatic stress symptoms.

    And, despite feeling close to their children during the pandemic, 61percent of parents say they have shouted, yelled, or screamed at them at least once over the past two weeks, according to a University of Michigan study. Further, married and engaged couples in quarantine are fighting more, with only 18 percent of surveyed couples reporting satisfaction in communication with their partner, according to a survey conducted by the publication, "The Knot and app Lasting."

    When temperatures - and tempers - rise, a dreaded "Family Thermostat War" can ensue. Following are some useful tips to help you save money on utility bills and keep your family cool.

    With home heating and cooling accounting for nearly half of home energy use and air conditioner energy expenses costing homeowners more than $11 billion a year, small steps can go a long way.

    * Ease Into Electric: According to Columbia University's Earth Institute, electric systems are a solution to decarbonize home climate control. Among the most energy-efficient heating and cooling products, electricity-powered ductless mini-split systems, offered by companies including Fujitsu General America, can save as much as 25 percent on your energy bill. Mini-splits use thin copper tubing to pump refrigerant from an outdoor compressor directly into an indoor air-handling unit, where the air is quietly distributed to the interior space.

    * Get "Smart" About Climate Control: When it comes to smart home temperature control, there are Smart HVAC Systems and Smart Thermostats. Smart HVAC systems have built-in Internet capability and can be controlled directly without additional equipment. Smart Home Thermostats create "smart" systems by enabling remote temperature control via a mobile or Internet-connected device or voice-operated home automation system.

    * Voice Your Preference: Take control of your comfort. Most HVAC manufacturers offer apps that enable systems to be controlled from anywhere using a mobile device. Voice-control capability uses digital assistants, such as Amazon Alexa or Google Home, to verbally dictate home temperatures. Easily controlling the temperature more closely allows homeowners to be more comfortable and improve energy savings.

    * Find Your Efficient Comfort Zone: Many of us live in homes designed for bigger families, but have yet to downsize. If you find yourself using a fraction of your home on a regular basis, consider upgrading to a zoned, ducted, or ductless system. That will allow you to save energy heating and cooling spaces where you and your family don't spend a lot of time. This will multiply savings as you're not only needing less cooling, but you also gain from a more efficient system in the spaces you do still use.

    * Try Low-tech Fixes: Simple changes can have a big impact. Try to use heat-producing appliances - stoves, irons and dryers at night or early morning. Switch to LED light bulbs instead of incandescent bulbs - which consume 90 percent more power. Seal air leaks around windows, doors, and places where pipes and wires come through walls. And check existing caulking and weather-stripping for gaps or cracks.

    Achieving a sense of peaceful co-existence in your increasingly crowded, multi-functional home does not need to make your family members hot under the collar. If a new system is right for you, many Fujitsu systems with the Energy Star rating are more than twice as efficient as the minimum standard set by the government. To learn more or find a contractor near you, call 888-888-3424 or visit www.constantcomfort.com.

    Ref: Furnitures - in Blogs
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    Rebecca Ebert Rebecca_Ebert


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    Alkuansinta Rohman alkocoko
    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.

    The Rich History of Fort Rotterdam
    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.
    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.

    Transformation into an Educational Museum
    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.

    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.

    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.

    A Photography Paradise with Classic Vibes
    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.

    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.

    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!

    Practical Information for Visitors
    Opening Hours: Daily from 8:00 AM to 6:00 PM
    Admission: Free for Indonesian citizens
    Location: Jl. Ujung Pandang, Bulo Gading, Makassar
    Best Time to Visit: Early morning or late afternoon for optimal lighting and cooler temperatures
    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.

    A Living Testament to History
    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.
    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.
    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.


    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!
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    Millie Zemlak Millie_Zemlak
    (NewsUSA) - In 1967, one of today's most iconic runners made her mark in history.

    Despite an angry official who tried to push her off the course of the Boston Marathon, Kathrine Switzer defiantly ran on, broke barriers and became the first woman to officially complete the legendary race.

    Today, at the age of 70, Switzer continues to defy the odds.

    This year, she ran the 26.2-mile Boston Marathon again to celebrate the 50th anniversary of her historic milestone and continued to inspire others to break new ground. She also announced a partnership with the health and well-being company, Humana, to help celebrate seniors, encourage them to take an optimistic view of aging, and live healthy, active lifestyles.

    "When the Boston Marathon race director tried to shove me off the course in 1967, my life's purpose was crystalized. I knew I wanted to be a champion for others committed to blazing their own path," Switzer says.

    "I'm working with Humana to inspire seniors to achieve their best health, so they can experience all that life has to offer."

    Switzer shared tips on how she maintains an optimistic outlook on aging, and why she believes that great things are ahead when your health is ready -- no matter what age you are!

    Don't let your age define you.

    The biggest tip is to realize that you're never too old, too slow or too out-of-shape to begin living an active lifestyle. Whether it's walking the dog a bit further than usual, or taking a swim at the local health club -; finding ways to get active can help you live healthier and be more optimistic.

    Take it one step at a time. Allow time to adjust to a new routine. Start small and build on your efforts in small intervals. Listen to your body and be proud of your progress.

    Two is better than one. To help you stay motivated, get a buddy who has similar fitness goals. If a buddy is waiting for you, you won't worry about being embarrassed or feeling slow; it'll just be the two of you. There are few things greater than sharing victories and accomplishments with someone close.

    Make time for rest. Equally as important as staying active is ensuring that your body recovers from the stress endured from physical activity. Not only will your body thank you, but you will grow to love your active lifestyle more without aches and pains holding you back.

    Switzer recently took her message to the National Senior Games presented by Humana, one example of how the company is committed to championing seniors and breaking barriers -- namely, the stereotypes associated with seniors in today's society -- and proving that with a healthy body and mind, age is truly just a number. While at the Games, she participated in the 10K Road Race in a celebratory role and presented an inspiring and encouraging speech at the Celebration of Athletes.

    In addition to being a fierce advocate for seniors and optimistic aging, Switzer has been a lifelong advocate for women runners in general.

    In 1972, she co-founded the first women's-only road race; in 1984, she led the drive to get the women's marathon into the Olympic Games; and in 2015, she founded 261 Fearless, a global non-profit that empowers and connects women through the transformative action of running, and encouraging them to overcome life obstacles and embrace healthy living.

    "I think optimism is everything and you don't have to be a marathon runner to possess it," Switzer says.

    "The more you do, the more you can do!"

    Ref: Competitions - in Blogs
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    Millie Zemlak Millie_Zemlak
    (NewsUSA) - How much will I need for my kid's college education? And how the heck will I pay for it?

    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.

    "Madness," she decried.

    Which is all the more reason to mark May 29 down on your calendar.

    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.

    "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."

    And now to the big question: How much?

    Two factors are mainly at play:

    * 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.

    * 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.

    One guess where 47 percent of the costs came from. That's right, "family income and savings," with another 24 percent covered by borrowing.

    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.

    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.

    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.

    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.

    Hopefully, armed with all that info, you'll be sleeping better at night.

    Ref: Family - in Blogs
    44 0

    Millie Zemlak Millie_Zemlak
    (NewsUSA) - When Jess Michaels isn't obsessively checking her steps on FitBit or watching daytime Court TV, she's a best-selling author who writes historical romances with heroines who speak their mind.

    Her first foray into publishing began, as many picture the life of an author, with a traditional publishing deal. But after releasing a few books, Michaels decided to turn down an additional deal and try self-publishing.

    "I'd begun developing an audience for my books and wanted to try something different. Authors I respected had success and greater control over their work with self-publishing, so I was eager to try it for myself," says Michaels.

    She mastered it quickly and decided to go "strictly indie" in 2015, using Amazon's Kindle Direct Publishing (KDP) service to publish in both eBook and print. Since her decision to self-publish, she has been on the USA bestseller list ten times. Her husband quit his job at a large technology company and now works with Michaels to run their publishing company.

    "I wanted more control over not just the creative writing, but also the marketing strategy, cover art, and other business aspects of publishing. I grew frustrated being unable to make these decisions going the traditional publishing route," she says. "I'm both a writer and entrepreneur, and I'm enjoying more creative and financial rewards than I ever have."

    For Michaels, who says the initial idea of going indie was "taking a leap off a cliff and hoping you can fly before you crash," the resulting benefits have exceeded her expectations.

    For those authors wrestling with the idea of self-publishing, consider this:

    - Creative control. Self-publishing a book allows authors to build characters and stories exactly the way they want and, ultimately, retain full rights to their original material. A book that has been nursed from inception to novel remains yours.

    - Get to market fast. Once a book is ready, self-publishing services, such as KDP, guide authors through setting up their books and getting them in the hands of readers in just a matter of days.

    - Make more money. Authors who opt to self-publish can set their own prices and take home a higher percentage of royalties.

    While a self-published author serves as his or her own marketing department, indie publishers make marketing simple and effective. Self-publishing companies, such as Amazon, also offer authors additional promotional opportunities to make their work available to more readers.

    Many authors find support through writers' groups online, such as Facebook groups, or in-person by attending workshops and writers' conferences. Most cities have local writing groups that meet regularly. These meetings can provide constructive criticism of your work and other resources.

    "I fell into self-publishing by accident, and found that connecting with other authors and joining a local writers' organization helped me improve my technique and career tremendously," says self-published science fiction and fantasy author T.S. Paul. "When sales of my novels began to take off, I began working with freelancers and a virtual assistant, also, to grow the community around me."

    Regardless of whether a writer is interested in romance, mystery, fantasy, or biographies, self-publishing with services such as KDP can empower them to pursue their dreams, especially if they're willing to study the business side of publishing as well as Jess Michaels did.

    Who knows? Maybe the best seller list is closer than you think.

    For more information, visit https://kdp.amazon.com/en_US/.

    Ref: Books - in Blogs
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    Vanessa Leannon Vanessa_Leannon


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    Millie Zemlak Millie_Zemlak
    (NewsUSA) - Travelers who are seeking serenity as part of their quintessential Caribbean luxury resort experience will find their perfect getaway at Calabash Cove

    With a secluded beachfront location on the northwest (or Caribbean) side of the coast of the island of St. Lucia, Calabash Cove offers privacy and luxury for adults only.

    The Calabash Cove guest list includes singles and couples, some honeymooners, some celebrating an anniversary or other special event, and others looking for a simple but elegant getaway with some personal space and well-prepared meals. Visitors come from the United States, Canada, Europe, and around the world.

    The resort and spa is a full-service resort: the optional Unconditional All-Inclusive package covers all food and drinks including room service, daily specials, an in-room bar, lobster when in season, and more than 20 wines by the bottle from the resort's extensive wine list. Tips and Wi-Fi are included as well.

    Part of the resort's appeal is its promise of intimacy - only 26 suites, all with a king bed, Jacuzzi, double vanity, rain shower, private balcony or patio, ocean view and cable TV. The resort is built along a sloping hill and was designed to complement and harmonize with the natural surroundings and offer guests full benefit of ocean breezes and sunset views.

    The property includes a private beach with nearby coral reef, as well as tropical gardens and groves of trees to set the scene for reflection and relaxation.

    Calabash caters to a quieter crowd, says owner Konrad Wagner

    "If guests like a large, noisy, and ordinary resort, Calabash Cove Resort & Spa may not be best for them," he explains.

    "A crowd for many of them is when three couples decide to charter a boat for the day to visit the Pitons for snorkeling."

    Calabash guests "enjoy dinner music every night at a volume suitable for a conversation," he adds.

    However, guests looking to sprinkle their serenity with activity can take advantage of a Cybex cardiovascular fitness center, or get out on the water with kayaks, paddle boards, and snorkeling gear, all available at no additional charge.

    Calabash Cove is ideally situated five minutes north of Castries and five minutes south of Rodney Bay Village, with approximately 40 bars and restaurants to cater to a range of tastes when guests crave a change of scene.

    Visit calabashcove.com for more information.

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    Millie Zemlak Millie_Zemlak
    (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.

    The keys to happiness

    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.

    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.

    Unlocking improvements

    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.

    Learn more at https://aflac.com/smallbusiness


    Ref: Business - in Blogs
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