(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

<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>

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

<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) - It's no secret that shopping for holiday gifts can be overwhelming.<br /> <br /> The answer to alleviating the stress of thoughtful gift giving comes in a cardboard box.<br /> <br /> Seriously.<br /> <br /> Subscription box services are popular options for a "gift that keeps on giving," providing a personalized experience delivered safely every month.<br /> <br /> In fact, in a survey conducted by the Paper and Packaging Board from August 2015 to November 2016, 82 percent of those surveyed agreed that they could rely on corrugated cardboard boxes to get their merchandise shipped and delivered safely. And 60 percent feel that products that come in paper-packaging tend to feel more premium.<br /> <br /> Innovations in box and packaging design allow these boxes to delight well past delivery with extended use and upcycling options.<br /> <br /> Find the perfect gift for your loved one this season with one of these favorites:<br /> <br /> * KiwiCo (Kiwico.com):<br /> <br /> For the Kid Who Is Going to Run the World.<br /> <br /> KiwiCo develops monthly STEAM educational hands-on projects and activities to spark curiosity and creativity in kids aged 0-16+.<br /> <br /> Each eco-friendly corrugated box is filled with interactive projects to fit a child's respective age group. As your child or loved one grows, so do the boxes!<br /> <br /> * Loot Crate (LootCrate.com): For the Pop-Culture Obsessed.<br /> <br /> Loot Crate is a pop culture- themed subscription box featuring a changing monthly theme that covers all fandoms.<br /> <br /> These corrugated boxes hit every interest from video games to television and movies. Loot Crate offers an additional perk - the box is part of the monthly theme itself, which is to say, the box transforms into a "bonus" gift with some simple cuts and folds. You have to see it to believe it.<br /> <br /> * Graze (Graze.com) - For the Foodie.<br /> <br /> Graze is a subscription box that uses high-quality, nutritionist- approved ingredients to provide wholesome snacks. Graze uses responsibly resourced paper-based packaging to ensure that its products are safe and fresh for consumption.<br /> <br /> Foodies can subscribe for weekly, bi-weekly or monthly deliveries of personalized Graze boxes based on their custom-snack profile.<br /> <br /> *KitNipBox (KitNipBox.com): For the Cat Lover.<br /> <br /> KitNipBox is uniquely themed so cats (and their humans!) have something fresh, fun and new to look forward to each month. The design of the box, which can be recycled, is specifically made to fit 95 percent of cats, so they can play with the box and fit inside of it.<br /> <br /> Additionally, KitNipBox uses specially designed crinkling tissue paper in the boxes, so that the unwrapping experience is even more special for cats and their owners.<br /> <br /> * Cratejoy (Cratejoy.com):<br /> <br /> For Everyone.<br /> <br /> Cratejoy is the world's premier subscription box website, providing a global marketplace of products.<br /> <br /> Cratejoy offers a vast selection of uniquely crafted corrugated boxes suited to virtually any hobby, interest or taste.<br /> <br /> Gifting a subscription box service is an easy yet thoughtful option for anyone on your shopping list! Unbox an experience that will last long past this holiday season. Find out more by visiting HowLifeUnfolds.com<br /> <br /> Click here to view video.<br /> <br /> Ref: Giveaways - in Blogs

(NewsUSA) - In the past few weeks, it has become clear that social distancing and quarantining are the new normal. This is an overwhelming time as we attempt to adjust our mindsets and schedules - between working from home, watching after the kids, keeping up with the news, and maintaining sanity, it can be a challenge to prioritize your physical and mental health. Here are some tips on how to stay active in these strange and unprecedented times. <br /> <br /> Make a plan<br /> <br /> It's always easier to commit to a healthy habit if you make it part of your routine. At the beginning of each week, take a look at your schedule and find those windows where you could realistically squeeze in a workout. Set a reminder on your phone or even add the workout to your calendar to keep yourself accountable. <br /> <br /> Try a meal delivery service<br /> <br /> It may be difficult to cook healthy meals every day, especially if you can't get what you need from the grocery store. Having healthy food delivered safely to your door can alleviate the stress and hassle of cooking, plus having healthy options in the house will keep you from overeating and reaching for junk food. South Beach Diet, for example, offers fully nutritionally balanced, prepared meals and snacks that make it easy to keep your diet on track. <br /> <br /> Take breaks from work<br /> <br /> It can be tempting to sit around all day while you're working from home, but don't let yourself stay sedentary for too long. Get away from your workspace and move around every hour or so to get your blood flowing. This will help you to stay sharp and healthy during social isolation. If you're taking a phone call, stand up and allow yourself to pace around. Try to get up every hour and take a few steps around the house, stretch, or even do a few jumping jacks. <br /> <br /> Stream, stream, stream<br /> <br /> As gyms and workout studios are necessarily closed for the moment, many fitness brands and instructors are using Instagram live to hold virtual classes. If you have a favorite local studio or a favorite instructor, check out their website or social media to see if they are hosting any online classes. Many fitness brands are also offering extended free trials to access their libraries of workout videos. <br /> <br /> Go for a walk or run<br /> <br /> Of course, we are all limiting our trips outside to the grocery store, gas station, or anywhere else we might come in close contact with others. But if you are able to safely run or walk while keeping distance from your neighbors, those are great options for staying active, clearing your mind, and getting some fresh air.<br /> <br /> "It's so important to find those moments of joy outdoors while we're all social distancing," says Jessie James Decker, mother of three and South Beach Diet brand ambassador. "Whatever that means for you - whether it's a stroll around the neighborhood with the kids or a long run to clear your head - you'll feel so much better if you make the time for it." <br /> <br /> Keep your mind active<br /> <br /> Just as our bodies need physical activity to stay healthy, our minds need stimulation (beyond reality TV binge sessions) to stay sharp as well. Group activities such as board games or puzzles are a great option for keeping your mind sharp while clocking some quality time with your family or roommates.<br /> <br /> For more tips on how to stay healthy and active while social distancing, check out <a target='_blank' href="https://palm.southbeachdiet.com.">https://palm.southbeachdiet.com.</a><br /> <br /> Ref: How To - in Blogs

Just me writing my little story! It's a coming of age story about a girl graduating from high school and not being sure where to go from there. Her family and friends help her out with a little bit of chaos and a lot of luck!<br /><br />There are too many people here. It’s a boarding school, and yet, there are so many people and no places to sit. Hailey flutters past with Mouse hot on her heels, as they usually were, and I reach out to grab Hailey’s arm, causing her to do a funny little twirl thing and for Mouse to bump into her. <br />“Sorry!” Mouse squeaked and jumped back a step, their sneakers making a funny noise on the floor. <br />“Not your fault… Are you coming to the soccer party?”<br />“Nah, I’m gonna stay here. Hails and I are breaking up when you two leave this party so I figure I can’t really show up on her arm.” Hailey rolled her eyes as Mouse spoke, and I once again wondered how the two of them had managed to put an end date on their relationship and actually have it work out. They had sort of always known that they wouldn’t last outside of high school, so after the party they would just go back to being friends. It didn’t make sense to me, but whatever, I wasn’t either of them. <br />“Alrighty… I was actually about to ask Hailey when we were going to leave, but um, if you two want to stay? I don’t wanna rush out, but the band kids aren’t really my crowd…” Hailey grinned at me and blew a kiss as she grabbed Mouse’s hand. <br />“We can leave as soon as I say bye to everyone! Thank you for coming!” I rolled my eyes as they disappeared in the sea of people and I shrunk back to the corner and pulled out my phone. It wasn’t that I disliked the band kids, they were all pretty cool, I just didn’t know them well enough to party. <br />I had a text from Leo, Hailey’s older brother, a few from Evelyn and a good night text from Cardan, that simultaneously requested that I tell the theater kids he was sorry he couldn’t make it. More than likely, if I looked at their group chat, he had already sent twenty apology texts and there was no reason for me to do that. I shot Evelyn a quick text that said I would be leaving as soon as Hailey was ready, which we both knew meant I would not be leaving for at least a half an hour, then I settled against the wall to text Leo. <br />Leo has been best friends with my older brother Zebediah since he started going to school here, they even opened a cafe together. Plus, he and Hailey get along super duper well, so I’ve become friends with him. His current text was just reminding me to not stay out too late so I wouldn’t be exhausted and sleep through my alarms tomorrow. <br />T: I don’t sleep through alarms with Evelyn around haha. That girl would wake up to a pin drop :p <br />L: Valid. Have you made it to the soccer party yet, or is Hails still procrastinating her doomed relationship ending?<br />T: I wouldn’t call it procrastinating…. More like socializing so people don’t realize they broke up haha<br />L: I don’t think I will ever understand those two<br />T: You just have to remember Yolanda, and it all makes sense again<br />L: Tia, nobody remembers Yolanda like I do lmao<br />L: I lived with Hails that summer, remember?<br />T: Hahaha you live with her every summer goofus<br />L: I could be living with you every summer though ;)<br />I rolled my eyes and left him on read, sliding my phone back into my pocket so I could find Hailey and pretend that her brother didn’t just flirt with me. She knew he did though, and it wasn’t like I didn’t flirt back, we just didn’t actually like each other. It was still her brother though, so I was never allowed to mention it. <br />Pushing off the wall, I went to find her, sliding past kids I had known my whole life and trying to ignore the nagging feeling of doom about the fact that I would never again see all of us in one room. We would never be the same kids again, and we were all about to go live real lives, not closed up in a boarding school. <br />Hailey was in the middle of the dance floor when I found her, with Mouse wrapped around her, and they looked deep in conversation, so I backed away, but Hailey spotted me and held up a finger, so I didn’t wander far, just turned to say hi to Mae, a violinist in the band. <br />“You ready to be out?” She called over the music. I laughed and nodded, and she patted my arm. <br />“Tell your girls I said good job last week, and good luck in college! I like you all, but I am not about to go to a jock event with no alcohol!” She lifted her Solo cup with a salute-like gesture and then pointed over my shoulder before waving and walking away. If I hadn’t known the universal signal for “Hailey is coming, gotta go”, I probably would have questioned the quick exit. Some people just knew that she talked a lot and did not have the time. <br />“Ready, Freddy?” Hailey asked, slinging an arm around my waist, as though it was my shoulder. I looked down at her, and she grinned up at me, so I nodded. The breakup must have gone to plan if she wasn’t upset. She skipped out of the room, somehow dragging me along, despite me being almost over a half a foot taller than her tiny 4’ 10” person. <br />Once we were outside of the dorm collection that was hosting the band event, Hailey did a little twirl and grinned at me, stopping me where I stood. <br />“Are you ready for the best night of your high school life? Ready to say goodbye to all of your teammates and start your fabulous life as a rockstar?” A snort escaped me and I patted Hails on the head before tugging her down the hallway. <br />“I guarantee that I will not become a rockstar if I become anything. Not a rockstar, not a professional athlete, and definitely not an actress.” Hailey had started throwing random jobs at me this past week, trying to find one that clicked. Of course, she never threw out valid options, just ridiculous ones that I would never actually become. <br />A shriek and then my name being yelled alerted me to the presence of Evelyn about five seconds before she launched herself into my arms. <br />“Oh my god, you won’t believe what is happening in there! Gina is WASTED!” <br />“I thought real athletes didn’t drink?” Hailey cried as she shoved past the two of us to get to the dorm cluster that was hosting the “jock people”, which really just meant the kids who played sports, but we weren’t all serious jocks. <br />“Gina isn’t going pro, so she decided that she wanted to get wasted with us once before we all head our separate ways. Katrina, Lucy and Cam are a little tipsy, but most of us are sober.” Evelyn punched my arm on “us” like she was implying that I was part of the “real athletes” squad. I didn’t drink because I wanted to be in good shape for the sports and because I liked runner’s high, not because I was going pro like a lot of my teammates. <br />“And the guys…” I trailed off as Evelyn and I finally followed Hailey into the party and I found a horrifying scene in front of me. If Katrina, Lucy and Cam were tipsy, I did not want to see Gina. The three girls were standing on a table, doing the macarena and singing Sweet Caroline as the welcome committee and just behind them, I could see Parker, Isaac, Dominic and Justin lining up shots, all four of them shirtless and screaming. <br />“Welcome to Hell!” Evelyn cried as she pulled me past the alcoholics and into the main room. Gina was laying in the middle of the floor, but everyone else was mostly just mingling and hugging, a couple people were crying, and I relaxed at that. I did not want to drink and I was worried my friends had lost their minds for a second. We just weren’t those people usually. I normally felt okay about not drinking at parties with them. <br />“T! Come over here!” Veronica, our goalie, waved me and Evelyn over to a group of girls who were sitting on a couple couches and chatting. I headed over, glancing around for Hailey, but I wasn’t worried when I didn’t find her. She was probably halfway done with her rounds or caught up talking to someone. <br />I joined the girls on the couches and Bea Olsen pulled a bag of pretzels out from behind a pillow and offered me one. <br />“Gina tried to run off with them earlier,” she explained as Bea Klutz offered me a carrot from next to Bea Olsen. <br />“She did not try to steal the carrots though,” I laughed and relaxed into the couch, content to talk to my teammates for one more night.<br />A little while later, Evelyn tapped my arm and I nodded, grabbing one more carrot before standing up. The Beas simultaneously cried no and jumped up to hug us. <br />“Don’t go yet! You only have to be up in…” Glancing at her watch, Bea Olsen cringed, “four hours… Oopsie!” I laughed and hugged her back, biting my lip so I wouldn’t cry as a whole line of teammates that I had known my whole life and worked with, slept with, breathed with and basically lived in each other’s back pockets during soccer season hugged me and said goodbye. We would all see each other on the train tomorrow, but it just wasn’t the same. This was our last soccer night. This was the last time I would see the Beas, or Veronica for a very long while, since they had all been recruited to play soccer in America. A few others had made soccer teams, but more local, or just at a college, but I still wouldn’t see them as much. <br />“Hey, keep in contact, yeah?” Veronica asked as she hugged me, squeezing tight. I hugged her as tightly as I could, nodding even though she couldn’t see me. We held on for a little longer than the others had, and I buried my face in her neck before pulling back and letting her hug Evelyn as I pulled myself together. Evelyn grabbed my hand as we left the party, neither of us looking back. <br />The walk back to our room was pretty quiet, and when we got there, Evelyn squeezed my hand before heading to her dresser to grab pajamas. <br />“5 am, right?” There was a crack in Evelyn’s voice as she asked, but I replied just like I had everyday since seventh grade. <br />“Always,” I whispered as I grabbed my own pajamas and headed to change my clothes.<br /><br />The next morning, when my alarm went off and I looked at Evelyn sitting up, I bit my lip to hold off the tears as we changed into our running clothes and headed out. Evelyn offered me her earbud and I dug my nails into my palm so I didn’t cry. When Don’t Stop Believin’ played, I pulled my hair a little harder than usual into a ponytail so I would have an excuse for the tears welling. If we ran a little slower than usual, it was because we were tired, not because our lungs burned with the urge to sob. When the final notes of the playlist rang out through the earbuds and we just stood, staring at the doors to the school, it was because we were tired, not to remember every day that we had run that same path, chattering and getting to know one another, and giggling as we tried to keep quiet as we reentered and didn’t want to wake the people who put off getting up until the last second. If my hand shook as I handed her the earbud, it was from the lack of food before the run, not because I would never listen to that playlist with Evelyn on school grounds again. If my face was a little wet in the shower, it was from the water, not tears falling down my face. When I got out and pulled my pajamas back on, I curled into a ball because it was a good way to sleep, not because I was hiding tears. Evelyn didn’t go back to bed, she never had. I closed my eyes and pretended to sleep, but I listened to her going through her morning routine. The one I knew she went through every single morning in the same order because she hated change. This morning, if she paused and took a rattled breath every once in a while, I tried to not flinch because she was just yawning. When Hailey’s alarm went off, Evelyn was gone, down at breakfast like usual, and Hailey walked over to shake me, but instead she pulled me into a hug, and for once, didn’t say anything. <br /><br />Breakfast was a weird affair. They had a line up of grab and go foods as everyone carried their luggage to the train. Underclassmen chattered about summer plans and who was rooming with who the next year and the usual end of year conversations, but I didn’t say anything as Hailey chattered about the parties she had gone to after I went to sleep. She hadn’t gotten to bed until 4 am the night before, and I wasn’t sure how she was functioning. Cardan was standing against a wall with an apple in his hand, his tall frame standing out, even if his blonde hair wouldn’t have defined him instantly. After I grabbed a muffin and a banana, I headed over to him, Hailey trailing behind as she spoke.<br />“Good morning, sunshine!” She greeted Cardan, wrapping him in a hug, which he quickly returned. “Ready to go home?” Cardan glanced at me as Hails asked the question and I giggled a little, knowing that in his head he was quoting Harry Potter at Hailey, who would never understand the reference no matter how many times the two of us had forced her into marathons. Plus, Hailey liked being home, unlike Cardan. <br />“Ready for you to visit.” He booped Hailey on the nose and I reached up to ruffle his hair. <br />“Smile, pretty boy. It’s two weeks. You’ve got this. I’ll call you everyday, and I might even be able to bully my brothers into calling you.” Cardan nodded stiffly at me as I spoke, and Hailey peeled herself off to munch on her own muffin. <br />“Hey, I’ll be there in one week, and if T isn’t hogging all of his time, I can get Leo to text you daily too,” Hailey said softly, offering Cardan a smile. He nodded again, but his hand was tapping away at his leg and he was chewing his lip already. <br />“One week,” he mumbled to himself before grabbing his bags and leading us all to the train. We didn’t talk much on the walk there, and I fell asleep with my head in Cardan’s lap on the ride, his fingers brushing my hair and Hailey chattering away, just like old times. The only difference was that when I woke up and got off the train, I knew I wouldn’t be getting on it again in a few months. <br />

(NewsUSA) - It seems as if there's co-ops for just about everything these days - condos, farms, horses, and now yachts.<br /> <br /> Consider this: as with anything worth having, there are expenses and hassles associated with boat ownership that you may not even be aware of. But partial (fractional) ownership offers "all of the luxury and none of the hassle" according to the website of yacht co-op management company Saveene.<br /> <br /> It works like this: The more fractions you purchase, the more yacht usage you can experience. For example, a 10 percent purchase equals approximately four weeks of yachting time each year; 20 percent entitles you to eight weeks, and so on.<br /> <br /> For those who enjoy the periodical pleasure of luxury boating, fractional ownership is more cost-effective than sporadic charters, and has several other advantages:<br /> <br /> - Predictability. Saveene fractional owners hold equity in the yacht and have the option to sell their fraction any time they like. Purchase as many fractions as you want, up to 10 fractions per yacht. When you choose your dates, contact Saveene and they will schedule and prepare your yacht for your arrival.<br /> <br /> - Pampering. When you arrive at the marina, the yacht is clean, stocked, and safety-checked. Chart your course in advance, or allow your captain to create a memorable itinerary. Bring any food and beverages you choose, or Saveene yachts accommodate a chef or catering service.<br /> <br /> - Peace of mind. With fractional ownership, you avoid many headaches associated with owning a boat outright, including maintenance, repairs, storage, transportation, and insurance. Saveene handles the business transactions of purchasing and selling the fractions as well when the time comes.<br /> <br /> Saveene offers a range of options for yacht enthusiasts - a Sea Ray Sundancer for $19,995, a 36' Carver Mariner for a one-time fee of $ 39,995, a 64' Aicon for $89,980 or a combined usage of these for $69,985. All types are available at the same marina for viewing before making a purchase.<br /> <br /> Sea Ray Sundancer: This 34-foot cruiser is ideal for families, and easy to maneuver along intercoastal waterways for boating, snorkeling, and dining at dockside restaurants.<br /> <br /> Carver Mariner: This 37-foot boat features a fly bridge suited for parties, a home-size galley to accommodate larger food prep or catering, and a full entertainment center.<br /> <br /> Aicon: The 64-foot yacht includes four full-sized cabins plus crew quarters to handle an extended excursion. All cabins include their own facilities and TV/DVD setups, and the yacht includes a collection of water toys for kids of all ages.<br /> <br /> Want to go bigger? Saveene is also taking orders for an 85-foot Azimut yacht.<br /> <br /> Other benefits include the opportunity to check out Saveene yachts for a risk-free trial and the ability to write off your fractional purchase on your taxes.<br /> <br /> For more information about the benefits of yacht co-ownership, visit saveene.com.<br /> <br /> Ref: Boats - in Blogs

(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