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    Millie Zemlak Millie_Zemlak
    (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.

    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)

    According to Torabi, increasing savings is key to stability and gives people the ability to quickly recover when there are ups and downs.

    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.

    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.

    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.

    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.

    Check out chase.com/autosave for more information and tips on how to make savings work for you.

    Ref: Crowdfunding - in Blogs
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    Aric Feeney Aric_Feeney


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    Jacob Holt writelyso
    With a nation surrounded by bodies of water and made up of over 700 individual islands, the Bahamas make up the vast majority of the Caribbean. Plus, with a vast array of attractive beaches and crystal clear shorelines, you will surely be able to soak in the sun. Besides the splendor of the beaches, there are many other sights that are only available in the Bahamas. You will also love that the locals have some level of English so asking for directions will be no problem.

    What's more is that you will find an array of activities available to enjoy. The activities available make the Bahamas a perfect vacation spot for couples, families, or individuals looking to get away for a while. For the adventurer, seeking an adventure in the Bahamas will provide more than what you expect. Plus, with reasonable prices, a Bahamian vacation won't break the bank. As far as prices are concerned, let's take a look at how much it would cost to go on a family vacation to the Bahamas.

    Price for a Family Vacation to the Bahamas

    Just like any other vacation, a trip to the Bahamas involves many things that affect the overall price such as the amount of time being spent in the Bahamas, hotel accommodations, where you are flying from, number of family members, and entertainment expenses. It is also important that you have a bit more spending money for unexpected expenses.

    As you search around online, you may come across several travel sites offering different prices for a Bahama vacation. On average, the price could range from $900 to $950 for a single person. This is not bad when you are staying for at least 3 nights. The price may include your plane tickets, complimentary breakfasts, and hotel charges. You need to keep in mind that a low price such as this may require the departing flight to be from Florida since the route will be shorter than any other state.

    Essentially, all of the costs you experience will be determined by where you fly out from and your length of stay.

    If you plan to be traveling as a family or a group of friends, you may experience an even lower price, which could be based on a group rate. All you have to do is choose which group rate will provide the most benefits. You may also want to keep an eye on the prices as they may often change.

    Cost for a Flight

    Booking a flight to the Bahamas is not necessarily expensive. Of course, the price may depend on the month you plan to go. For fall flights, you may pay hundreds less than a flight in the summer, which is normal when many are traveling.

    Bahama Activities To Enjoy

    The good part about having activities to do is that they all may not cost much or may even be free, such as being on the beach sunbathing. Besides the beach, other fun activities include tours and even snorkeling or parasailing.

    You need to be aware that the price for activities may increase, which may be caused by their ability to provide some great excitement. Below are a few of the activities you can expect to enjoy while vacationing in the Bahamas.

    Taking a Dive in the Lucayan National Park Caves

    With more than 40 acres of caves, the Lucayan National Park provides cave swimming for those who enjoy underwater exploration. Located on Grand Bahama Island, the Lucayan National Park is a prized location for those who love ecology. Prior to your dive, you can enjoy a nice horseback ride or hike among the hardwood forest, the coppice landscaping, and even the mangroves.

    Visit the Straw Market for Souvenir Shopping

    If you are good at bartering, then the Straw Market is a good place to get some souvenirs at a low price. The Straw Market can be found on Bay Street. While there you will come across different vendors selling various items to take back home and enjoy.

    Not only is it acceptable to barter and haggle, but the locals encourage it. No matter what day you feel like going to Straw Market, it will always be open until 8pm.

    Tackle the Atlantis Paradise Island Waterpark

    As you enter the waterpark, you will be amazed at what Aquaventure has to offer. As part of the fun, there are over 140 acres of slides, pools, and rivers that are set among a landscape of Atlantis ruins. If you are a resort guest, then you will have free access to the park. If you want to enjoy a day at Aquaventure, then a day pass is easily obtainable.

    Enjoy Cabbage Beach

    As you continue to explore Paradise Island, you should make your way to the east side to enjoy the clear waters of Cabbage Beach. With two miles worth of beach Cabbage Beach is able to provide nice swimming in clear water.

    While you're walking the beach, check out the huts along the beach. You will see a masseuse waiting to provide a relaxing massage as the waves crash nearby.

    Explore the Pink Sand of Pink Sands Beach

    That's right, the sand of Pink Sand Beach is truly pink in color. This pink is due to the insects containing the pink color in their shells.

    The sand remains pink because of the crushing waves that hit the shells. The waves then mix the sand with the remains, which creates the pink sand. Your feet will also love the sand, which is nice and cool and is perfect for beach walks or soaking up the sun.

    Order a Chilly Daq Shack Beverage

    While taking in the sun and beach, nothing else is better than enjoying a nice chilly beverage while doing it. At the Daq Shack, you will enjoy a wooden hut with open-air that will provide you with the best rum and freshest fruits to create your favorite drinks.

    With many trying to be as authentic as the original Daq Shack, you will be at the original when you goto Cable Beach. The original Daq Shack can be pinpointed by the huge amount of business cards strung throughout the establishment.

    Enjoy a Bite to Eat at Graycliff Hotel

    Who knew you would be among pirates as you dine at Graycliff Hotel. With its rich history, Graycliff has managed to cater many for more than 250 years in the Bahamas.

    Although Graycliff is popular for the cigars, the hotel mansion also boasts a tremendous cellar for various wines and of course, a restaurant worthy of five stars. The food is beyond rich but with a traditional Bahamian flair. With that, you will need to make reservations early, sometimes months in advance, so if you plan a future vacation to the Bahamas, it is best to reserve now.

    Enjoy a Fish Fry Conch

    Once you have enjoyed a nice frozen beverage at the Daq Shack, head over to Fish Fry for a nice conch. Although this dish is the unofficial island favorite, its popularity is beyond proportion. A multitude of vendors are lined up to provide their take on conch as well as rice and plantains.

    Although you can enjoy the Fish Fry any day of the week, Friday and Saturday boast the most fun with an atmosphere filled with rum and music lasting throughout the night.

    Enjoy Spectating Cricket Matches

    Head over to the Cricket Club to enjoy some tasty food and beverages while watching some cricket matches. For the best views, you are best to sit above in the balcony and enjoy the pitch from above. The seating above is great for enjoying a cold beverage as the cool breeze helps you to relax and enjoy the tropical surroundings.

    Head Over to John Watling for some Rum Sampling

    By adding some rum, you´ll enjoy a true Bahama experience that John Watling can provide. With over 20 years of rum production, the distillery filters the rum with coconut and does a good job at it. John Watling sits comfortably on the Buena Vista Estate and boasts two acres of lushness. Access to John Watling distillery is 7 days a week and tastings and tours are also available. Before you leave, make sure to grab their estate cocktails, which are available in half gallon size.

    Test the Stacks at Baha Mar Casino

    With a lot of naturalness surrounding your family vacation, it is nice to escape the family to enjoy some gambling with other adults. With some extra glitz available in Nassau, you can try a hand of cards at the Baha Mar Casino. With a few resorts to spend the night, the Baha Mar Casino connects each property to the others and is highly known as the Caribbean's biggest casino. Make sure to have a drink ready to calm the nerves before hitting the casino floor to face the 110+ tables and more than enough slots that will keep you occupied for the entire night.

    Go Diving in Thunderball Grotto

    Going for a dive just got better as you explore Thunderball Grotto. While in the cave, you will recognize it from a James Bond movie. You will find it near Staniel Cay, and enjoying the pool is a great way to relax and explore while also transporting yurself back to the days of espionage.

    Head to Sandy Toes for some Snorkeling

    Located 30 minutes by boat, you can head to Rose Island to relax at Sandy Toes and enjoy a fresh beverage at its beach bar. At the shoreline of the island, it provides great seclusion that only a tropical island can offer. While you are there yu can head out for some snorkreling or go out running with the pigs that inhabit the island.

    When you are finished with that, enjoy a nice beverage in a hammock to relax the rest of the day.

    Head to Andros for some Barrier Reef Snorkeling

    If you have fins and mask, then you will love getting to use them at Andros along the barrier reef. As one of the largest islands in the world, you will enjoy seeing what marine life await you in the Caribbean. Often referred to as the Big Yard, you will find it mostly uninhabited. This allows the island to remain quiet and tranquil.

    Besides the reef, you will enjoy the vast amount of shipwrecks, blue tangs, scorpionfish, and parrotfish.

    Bahama Seasons

    The seasons in the Bahamas have a high season that starts in December and ends in April and the “winter” is a tropical warm climate. Regardless, many continue to visit regardless of the season and hurricane season does not seem to deter the visitors. To get the most out of your vacation, it is best to avoid the season of Spring Break, which begins in March and ends in April. By avoiding the Spring Break, your family can enjoy what the island has to offer without worrying about drunk college kids.

    Extra Expenses You Can Expect

    Besides the prices for all of the activities you enjoy, you will need to account for the expenses that will be added on top. We are sure that you do not want to just stay in your hotel for the entire time your family is vacationing.

    Knowing that, you also need to know about some other expenses that you may see every day that you remain in the Bahamas. While some may be on top of what you will be paying, some may be added to the overall price you pay. Keep in mind that the prices for each are considered average.

    Your Accommodations

    Many of your accommodations will be covered after you book your family vacation. But you may want to stay in other hotels as you explore the Bahamas. On average, you can expect to pay a daily rate of $65 for a night. Of course, if you need more space, then you will be paying more so do some research prior to booking.

    Dining Expenses

    Having a hotel that serves a free breakfast will save you some money each day you stay there. Luckily, most of the sites that will book your stay include hotels that provide a free continental breakfast. This will provide you with some extras spending money to enjoy other food outside of the hotel.

    When you have a daily budget of around $40, you will easily enjoy the variety of food options available to you. This is great when the majority of the cuisine will be seafood-based. You should be ready for any dish, but in case you need some pointers on what to try, we've listed a few of the most popular that you will enjoy for less than your budget amount.

    Conch - This dish is nationally known and favored by many in the Bahamas. As a mollusk, the seafood is breaded and fried and served along with lemons. No matter where you adventure off to, you will likely see it in every restaurant you visit. A lot of times it is listed as an appetizer, however you may combine it as a main dish.

    Boiled Fish with Grits - This Bahamian dish is served frequently during breakfast. The fish is cooked in a spice broth made up of peppers and onions along with lime juice. A nice serving of grits is then served alongside it.

    Fish Stew - This healthy stew will be found throughout every restaurant regardless of where you are in the country. It combines celery, tomatoes, onions, spices, and of course fish.

    Getting Around

    Getting around by taxi or bus may cost around $20 each day. With water taxis, you could be paying as much as $35 per day.

    Separate Entertainment

    Enjoying a nightlife without the kids can offer nice alone time with your spouse. If you are a night person then going to various bars can put you back $25 for a night of fun. You may also be tipping so throw in a few more dollars for that.

    Ocean Excitement

    Being surrounded by the ocean means you have many opportunities to enjoy the activities that go along with it. You can enjoy kayaking for 4 hours for $65, pay $70 for snorkeling trips, or pay $45 to enjoy a jet ski. For a parasailing adventure, you can expect to pay close to $245 for a group of three.

    Don´t Forget your Souvenirs

    With photos and videos making up the majority of your souvenirs, it is also good to have an item that you purchase from within the Bahamas. With a souvenir being displayed in the house, others can easily ask about it and you can recall the moment you purchased it. On average, the amount you spend may be less than $3.

    So What is the Total Cost

    Taking everything into consideration and including the extras after your ticket and accommodations, you may be easily spending between $1,500 and $2,000 for your families entire vacation. This is not bad considering all that the Bahamas has to offer its visitors.
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    Millie Zemlak Millie_Zemlak
    (NewsUSA) - With people more focused on wellness and nutrition these days, interest in a plant-based diet is hotter than ever. One easy way to get in on the trend: Pair summer produce with simple ingredients like pecans for a dish the whole family will enjoy.

    Pecans are a versatile ingredient and are naturally sweet with a rich and crunchy texture. As each one-ounce serving of the nuts offers three grams of fiber and protein, essential vitamins, minerals and heart-healthy benefits, pecans also happen to be one of the tastiest ways to elevate the nutrition of any recipe.

    In fact, according to the U.S. Food and Drug Administration, scientific evidence suggests, but does not prove, that eating 1.5 ounces per day of most nuts - including pecans - as part of a diet low in saturated fat and cholesterol may reduce the risk of heart disease. A one-ounce serving of pecans has 18g unsaturated fat and only 2g saturated fat.

    Add a sweet and nutritious crunch to this Mediterranean Pecan Pasta Salad, or swap meat for Grilled Cauliflower Steaks with a nutty and nutritious pecan pesto.

    Discover more delicious recipes at AmericanPecan.com.

    Ref: Food - in Blogs
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    Ramiro Williamson Ramiro_Williamson


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    Goutam Roy goutam5710


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    Samuel Chi-divine ic_sammie
    Bent in Heaven's Twist

    I wear a smile, a fragile disguise
    A mask that hides, the tears I've cried
    The heavens twist, in a cruel design
    A fate that's sealed, yet I'm left to redefine

    In heavenly design, I'm lost in pain
    A twist of fate, that drives me insane
    The stars align, yet I'm still unsure
    A celestial guide, that's hard to endure

    I'm bent and broken, in a world so grand
    A fragile soul, in a body so unplanned
    The heavens whisper, "You're strong and free"
    But I'm trapped in doubts, that haunt me relentlessly

    I search for answers, in the darkest night
    A glimmer of hope, that shines with all its might
    But the twist of fate, it plays a cruel game
    Leaving me shattered, with a heart that's tamed

    In twisted threads, I'm woven with flaws
    A fragile fabric, with scars that never fade
    The heavens bend, in a mysterious spin
    A divine irony, that I'm forced to give in

    I'm a paradox, of strength and weakness combined
    A human heart, that's constantly redefined
    The twist of heaven's hand, a mysterious fate
    A life that's unpredictable, with moments that create

    I yearn for solace, in the chaos and strife
    A peaceful haven, where I can be alive
    But the heavens twist, in a celestial rhyme
    A melody of pain, that echoes through my prime

    In this twisted world, I'm searching for a light
    A guiding star, that shines through the darkest night
    A beacon of hope, that leads me to the shore
    Where I can find peace, and be forever more.

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    Alkuansinta Rohman alkocoko
    When discussing Indonesia's most internationally recognized tourist destinations, Pura Ulun Danu Beratan in Bedugul, Bali, stands as an unparalleled landmark. This magnificent temple represents far more than a conventional tourist attraction—it embodies the perfect harmony between Bali's traditional architecture and the breathtaking natural beauty of the island's mountainous regions, captivating millions of visitors from around the globe.

    Primary Attractions of Pura Ulun Danu Beratan

    Pura Ulun Danu Beratan serves as one of Bali's most renowned icons, demonstrating the seamless integration of traditional Balinese architecture with stunning mountain landscapes. Bali's deeply rooted cultural heritage and spiritual traditions make this temple an extraordinary magnet for both domestic and international tourists.
    Located in Candikuning Village, Baturiti District, Tabanan Regency, the temple stands gracefully on the northwestern shore of Lake Beratan. Its strategic position on the lake, surrounded by verdant hills, creates panoramic views that are both spectacular and highly photogenic.

    Rich History and Profound Philosophy

    Pura Ulun Danu Beratan possesses an extensive history, constructed in 1556 Caka or 1634 CE by I Gusti Agung Putu, the King of Mengwi during that period. Archaeological artifacts discovered within the temple complex are estimated to be approximately 500 years older than the Common Era, indicating that this area has served as a sacred site for the Balinese community for centuries.
    The temple's construction originated from the story of I Gusti Agung Putu's defeat against I Gusti Ngurah Batu Tumpeng. Following his loss, the king performed meditation and spiritual retreat at the peak of Mount Mangu, seeking enlightenment and divine power. After receiving blessings, he arose and began constructing this temple as an expression of gratitude and a plea for protection.
    The temple is dedicated to Dewi Danu, the goddess of water, lakes, and rivers in Balinese Hindu beliefs, recognizing the critical importance of Lake Beratan as the primary irrigation source for central Bali. The temple's construction also represents a petition for agricultural fertility, prosperity, welfare, and environmental preservation of the surrounding area.

    Magnificent Architecture and Temple Complex

    Pura Ulun Danu Beratan comprises four temple complexes and one stupa: Pura Lingga Petak as the place of worship for Lord Shiva, Pura Dalem Purwa for worshipping Dewi Danu, and a Buddhist Stupa symbolizing harmony and unity among religious communities.
    The eleven-tiered meru building, which serves as the primary spiritual center of the complex, showcases captivating traditional Balinese architecture. Every detail of carving and ornamentation on the temple buildings reflects the exceptional artistic and spiritual values of Balinese society.

    Refreshing Mountain Natural Beauty

    One of the primary advantages of visiting Pura Ulun Danu Beratan is the remarkably cool and refreshing mountain atmosphere. Located in the Bedugul highlands at approximately 1,200 meters above sea level, this area offers clean air and cool temperatures, providing a stark contrast to Bali's typically hot and humid coastal regions.
    The presence of the expansive and pristine Lake Beratan enhances the natural coolness of the area. Visitors can enjoy views of the tranquil lake with stunning temple reflections, particularly during morning hours when thin mist still envelops the water surface.

    Current Ticket Prices and Facilities Information

    For 2025, entrance ticket prices for Pura Ulun Danu Beratan have been adjusted. Domestic tourists are charged IDR 40,000 for regular days and IDR 50,000 for weekends and national holidays. International tourists pay IDR 75,000 for adults and IDR 50,000 for children.
    In addition to entrance tickets, visitors must pay parking fees of IDR 3,000 for motorcycles, IDR 5,000 for cars, and IDR 10,000 for buses. Supporting facilities available in the area are quite comprehensive, including adequate parking areas, restrooms, food stalls, and rest areas.

    International Recognition and Iconic Status

    Pura Ulun Danu Beratan enjoys widespread international recognition. One of the highest honors achieved by this temple was when its image was immortalized as the design on Indonesia's former 50,000 rupiah banknotes. This distinction established the temple as one of Indonesia's most globally recognized landmarks.
    The beauty and architectural uniqueness of the temple standing above the lake waters have made it an extremely popular photography subject on international social media platforms. Professional photographers and tourists from various countries travel specifically to capture the temple's extraordinary beauty.

    Tourist Activities and Experiences

    The Pura Ulun Danu Beratan complex covers a substantial area, allowing tourists to explore freely, enjoy various perspectives, and spend quality time at this location. Visitors can engage in numerous activities including exploring the temple complex while learning about the history and philosophy of each building. The well-maintained temple area, featuring colorful flower gardens, provides highly enjoyable visual experiences.
    Photography represents the primary activity undertaken by visitors. Every corner of the temple offers compelling photographic angles, from temple reflections on the lake surface to silhouettes of towering meru structures against mountain backdrops.
    Visitors frequently experience the spiritual atmosphere and tranquility emanating from the temple complex. Many guests report feelings of inner peace and spiritual inspiration during their visits to this sacred site.

    Optimal Visiting Times

    To achieve the best experience, visiting during morning hours between 06:00-09:00 WIB is recommended. During this period, the air remains exceptionally cool, sunlight provides optimal conditions for photography, and visitor numbers remain manageable. Additionally, morning hours often feature thin mist phenomena enveloping the lake, creating highly mystical and photogenic atmospheres.

    Conclusion

    Pura Ulun Danu Beratan transcends conventional tourist destinations—it serves as a window showcasing Indonesia's cultural wealth, spirituality, and natural beauty. The perfect combination of magnificent traditional architecture, refreshing mountain natural beauty, and profound historical significance establishes this temple as an essential destination when visiting Bali.
    For those seeking travel experiences beyond ordinary recreation, Pura Ulun Danu Beratan offers a blend of education, spirituality, and visual beauty that creates lasting impressions. Do not miss the opportunity to visit this internationally renowned Indonesian icon and personally experience its unforgettable charm.
    Have you visited Pura Ulun Danu Beratan? Share your experiences and impressions in the comments section. If this article proves beneficial, please share it with friends planning vacations to Bali.
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    Millie Zemlak Millie_Zemlak
    (NewsUSA) - It's no surprise that parents today seek books that will delight, engage, and educate their children. However, some parents are seeing gaps in the available options of topics they want to share with their children. To combat this, there is a growing trend of parents who have taken matters into their own hands and turned to self-publishing to fill these holes themselves.

    Kindle Direct Publishing (KDP) from Amazon is one self-publishing option that offers editorial freedom and ease of use for busy parents looking to create something that meets their kids' needs.

    KDP success stories include Handeep Dhoot (who writes as "Dr. Dhoot"), a mom with a Ph.D. in chemistry who wanted to introduce her young daughter to STEM topics.

    Dr. Dhoot has self-published the growing Tinker Toddler series of STEM books aimed at young children, including Machine Learning for Babies & Toddlers.

    "Becoming a parent helped me realize the urgency for introducing scientific topics, like STEM, to kids while their brains are still developing. KDP allowed me to self-publish books that portray these ideas in an accurate and digestible way for kids, including my own daughter."

    Gabi Garcia, a long-time school counselor and mom, turned to self-publishing when she saw a lack of books for Spanish-speaking and bilingual children about how to understand their emotions and feelings.

    "It's so important to engage with children early to discuss mindfulness. Self-publishing on KDP empowered me to take all that I'd learned and seen as a school counselor and make it accessible to more children, in both English and Spanish."

    She has published several books on these topics through KDP, including Listening to My Body, published in both English and Spanish. She now writes full-time on mindfulness and social awareness topics for children, parents, and educators.

    Brendan Kelso struggled with dyslexia as a child, but found learning and performing dramatic monologues helpful. He enjoyed Shakespeare, but, like many young readers, found the text hard to understand.

    After a career in engineering, he became a stay-at-home dad and came up with an idea to write versions of Shakespeare's plays that were more accessible to kids. His loveof theater and writing led him to self-publish several works through KDP, starting with Shakespeare's Hamlet for Kids.

    "I have the freedom to spend more time with my family, while pursuing my passion on my own terms with KDP."

    These parents have been able to create the books they couldn't find for kids and found financial success - and sometimes a whole new career - in the process.

    For those parents who are toying with self-publishing, but still have questions, consider this:

    * KDP lets authors set their own prices and retain all rights to their work.

    * As an author, you can publish your book in minutes, and these books are available to a worldwide audience through Kindle online stores in 24-48 hours.

    * You can publish Kindle eBooks and paperbacks in multiple languages.

    Visit kdp.amazon.com for more information about Kindle Direct Publishing.

    Ref: Encouraging - in Blogs
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