(NewsUSA) - More businesses and countries worldwide are embracing digital payments as a way to make e-commerce more efficient and create a smoother transaction experience for consumers.<br /> <br /> Digital wallets, such as uBUCK, offer a dollar-backed stable token built on Waves blockchain technology, one of the fastest blockchains available. uBUCK's technology allows for the management of both digital and traditional currency, and both online and offline purchasing power.<br /> <br /> "Piloted by an all-star management team, uBUCK is looking beyond carving out a niche to become a disruptive player in this ever-changing payments industry," according to the company's website.<br /> <br /> The uBUCK digital wallet allows for instant transfers of funds, and unlike some digital wallets, uBUCK is not limited to the United States. Transfers can occur globally, with no transfer fees and no cost to the end user.<br /> <br /> The elimination of transfer fees is one of uBUCK's strongest selling points, as it is an option for those who don't have traditional bank accounts, such as migrant workers looking to send money home, or for anyone else, such as parents sending money to kids at college who want to avoid the additional fees associated with some financial transfers.<br /> <br /> Users of uBUCK can transfer funds, make online purchases, or withdraw cash at an ATM, although reports on digital wallet use suggest that the expanded technology may ultimately replace the need for bank branches and ATMs.<br /> <br /> Sending money with uBUCK is a simple, four-step process:<br /> <br /> * Buy the voucher. Users download the uBUCK app and purchase a voucher.<br /> <br /> * Buy uBUCK cash. Users redeem a PIN to purchase uBUCK cash.<br /> <br /> * Select recipient. Users without a uBUCK account will be invited to the app via email.<br /> <br /> * Send payment. Users can then enter the payment amount, send, and confirm.<br /> <br /> "Our mission is to put honesty, transparency, and trust back into software," according to Ashik Karim, CEO of LiteLink Technologies, the parent company of uBUCK Technologies. LiteLink was recently featured in a Forbes magazine article, "10 Blockchain Companies to Watch in 2019."<br /> <br /> LiteLink is publicly traded on the Canadian Securities Exchange and OTC Markets. Their symbols are CSE:LLT and OTC:LLNKF.<br /> <br /> Ref: Apps - in Blogs

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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

(NewsUSA) - Janie Bryant, the Emmy Award-winning costume designer for AMC TV's "Mad Men," knows what it takes to make clothes look great.<br /> <br /> Not only does she contribute to the visual representation of the entire cast, she brings a 1960s glamour to the period show that makes real people scour vintage shops to look like Joan Holloway and Don Draper.<br /> <br /> Sure, audiences love the characters and their drama, but the beautifully authentic wardrobe stole the spotlight from the start. In her role, Bryant sketches, designs and fits the costumes for each character, which includes custom-made items and rebuilt vintage gems.<br /> <br /> "One thing I've always been passionate about is how important presentation is to having great style. Looking pressed and polished is often just as important as what you're actually wearing," says Bryant, which explains why she released a fabric care guide of useful clothing advice.<br /> <br /> "The best way to pull off that look is to know how to take great care of your clothing. [The Mad Men] era is all about being wrinkle-free and permanently pressed."<br /> <br /> Take a look at some of Bryant's fabric care advice:<br /> <br /> * Some fabrics are vulnerable to water spotting -- like acetate, silk and suede -- so be careful when applying perfume or body spray. Delicate garments like these tend to require dry cleaning, or hand-washing, and low-heat settings.<br /> <br /> * Beware of "pilly" clothing that looks worn out, such as nylon and acrylic. If fabric is susceptible to pills, it's best to launder, dry and iron at low heat. You may consider laying these items out to dry, especially sweaters.<br /> <br /> * Although cotton remains the world's most popular fabric, it is prone to wrinkling. The majority of cotton clothing can be machine-washed, but items with embellishments or accents should be turned inside out or put in a delicates bag.<br /> <br /> * If wrinkles attack, use a fail-safe. Bryant trusts Downy Wrinkle Releaser so much that she advises you to have a bottle at home, in the office and in any overnight bag. Just spritz clothing, shake and gently pull to release stubborn kinks.<br /> <br /> "On or off the set, the clothes that I work with and wear always need to look their best," Bryant says. "Not only does Downy Wrinkle Releaser work well on the vintage fabrics I work with during the day, but all the modern fabrics found in stores today. It's a must-have for people who need to look neat and pressed and those who need to be out the door in a flash."<br /> <br /> For more information, visit www.downywrinklereleaser.com. <br /> <br /> Ref: Fashion Men - in Blogs

Bent in Heaven's Twist<br /> <br /> I wear a smile, a fragile disguise<br /> A mask that hides, the tears I've cried<br /> The heavens twist, in a cruel design<br /> A fate that's sealed, yet I'm left to redefine<br /> <br /> In heavenly design, I'm lost in pain<br /> A twist of fate, that drives me insane<br /> The stars align, yet I'm still unsure<br /> A celestial guide, that's hard to endure<br /> <br /> I'm bent and broken, in a world so grand<br /> A fragile soul, in a body so unplanned<br /> The heavens whisper, "You're strong and free"<br /> But I'm trapped in doubts, that haunt me relentlessly<br /> <br /> I search for answers, in the darkest night<br /> A glimmer of hope, that shines with all its might<br /> But the twist of fate, it plays a cruel game<br /> Leaving me shattered, with a heart that's tamed<br /> <br /> In twisted threads, I'm woven with flaws<br /> A fragile fabric, with scars that never fade<br /> The heavens bend, in a mysterious spin<br /> A divine irony, that I'm forced to give in<br /> <br /> I'm a paradox, of strength and weakness combined<br /> A human heart, that's constantly redefined<br /> The twist of heaven's hand, a mysterious fate<br /> A life that's unpredictable, with moments that create<br /> <br /> I yearn for solace, in the chaos and strife<br /> A peaceful haven, where I can be alive<br /> But the heavens twist, in a celestial rhyme<br /> A melody of pain, that echoes through my prime<br /> <br /> In this twisted world, I'm searching for a light<br /> A guiding star, that shines through the darkest night<br /> A beacon of hope, that leads me to the shore<br /> Where I can find peace, and be forever more.<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: Writing - in Blogs</span>

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.<br /><br />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.<br /><br />Price for a Family Vacation to the Bahamas<br /><br />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.<br /><br />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.<br /><br />Essentially, all of the costs you experience will be determined by where you fly out from and your length of stay. <br /><br />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.<br /><br />Cost for a Flight<br /><br />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. <br /><br />Bahama Activities To Enjoy<br /><br />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. <br /><br />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.<br /><br />Taking a Dive in the Lucayan National Park Caves<br /><br />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.<br /><br />Visit the Straw Market for Souvenir Shopping<br /><br />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.<br /><br />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. <br /><br />Tackle the Atlantis Paradise Island Waterpark<br /><br />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.<br /><br />Enjoy Cabbage Beach<br /><br />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. <br /><br />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.<br /><br />Explore the Pink Sand of Pink Sands Beach<br /><br />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.<br /><br />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.<br /><br />Order a Chilly Daq Shack Beverage<br /><br />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. <br /><br />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.<br /><br />Enjoy a Bite to Eat at Graycliff Hotel<br /><br />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.<br /><br />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.<br /><br />Enjoy a Fish Fry Conch<br /><br />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.<br /><br />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.<br /><br />Enjoy Spectating Cricket Matches<br /><br />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.<br /><br />Head Over to John Watling for some Rum Sampling<br /><br />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.<br /><br />Test the Stacks at Baha Mar Casino<br /><br />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. <br /><br />Go Diving in Thunderball Grotto<br /><br />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.<br /><br />Head to Sandy Toes for some Snorkeling <br /><br />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. <br /><br />When you are finished with that, enjoy a nice beverage in a hammock to relax the rest of the day.<br /><br />Head to Andros for some Barrier Reef Snorkeling<br /><br />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. <br /><br />Besides the reef, you will enjoy the vast amount of shipwrecks, blue tangs, scorpionfish, and parrotfish.<br /><br />Bahama Seasons<br /><br />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.<br /><br />Extra Expenses You Can Expect<br /><br />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. <br /><br />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.<br /><br />Your Accommodations<br /><br />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. <br /><br />Dining Expenses<br /><br />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. <br /><br />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.<br /><br />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.<br /><br />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. <br /><br />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.<br /><br />Getting Around<br /><br />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.<br /><br />Separate Entertainment<br /><br />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. <br /><br />Ocean Excitement<br /><br />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.<br /><br />Don´t Forget your Souvenirs<br /><br />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.<br /><br />So What is the Total Cost<br /><br />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.<br />

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(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