(NewsUSA) -Are you a yacht owner who wants to enjoy time on the water, but doesn’t want to keep up with the work and expense of full-time ownership?Consider shared (fractional) ownership through a cooperative instead.The more fractions you purchase, the more yacht usage you have.For example, a 10 percent purchase equals approximately 4 weeks of yachting time each year; 20 percent entitles you to 8 weeks.Other advantages of fractional ownership include:– Flexibility.Saveene fractional owners can purchase up to 10 fractions per yacht, and Saveene helps them sell these fractions if they choose or owners can sell their own fractions if they choose.Several styles of yachts are available, ranging from 40 feet to 90 feet; all are outfitted with luxurious rooms and amenities.The Saveene team will schedule and prepare your yacht for your arrival, and a professional crew and concierge will help plan the perfect outing for one or two passengers, a larger group of friends, business associates, or extended family with a range of ages.Fractional owners can bring their own food and beverages or Saveene yachts can accommodate a caterer or chef.– Finance.
(NewsUSA) – Whether we’re reading a favorite book, taking in the smell of fresh-cut grass or savoring an old family recipe, we use our senses every day to experience and understand the world around us."As we age, it’s normal to experience some changes or decline in our five senses," says Lakelyn Hogan, gerontologist and caregiver advocate at Home Instead Senior Care."Early detection and empathy can significantly increase the ability to manage symptoms and help create a supportive environment at home that allows you or your loved one to continue living a normal, fulfilling life.Whether you’re taking part in online fitness classes, walking around the subdivision or practicing simple movements in your living room, it’s important to keep your body moving.The more colors on your plate the better.Unfortunately, it is also the most prevalent.
(NewsUSA) – Whether it’s your first house or your fourth, buying a home is exciting – but also stressful.Questions plague homebuyers: Can we afford it?Do we have enough to avoid incurring the dreaded PMI (Private Mortgage Insurance)?For homeowners looking to refinance, it becomes a question of, should we or shouldn’t we?In addition to monthly payments with interest, this debt came with increased discomfort and the fear that “if we couldn’t afford it, we could lose the roof over our head.” Now, there may be another answer.Home co-investing offers a new alternative – a better way to buy and own a home.Home co-investing is a new category that works in partnership with homebuyers and homeowners to invest in the long-term appreciation of a home’s value.You can choose to return the investment any time after three years, or keep it until you sell, for up to 30 years.“In a nutshell, we’re in business to partner with you in your new or current home,” according to the website for Unison, the company that invented this idea.The growing, San Francisco-based home co-investing company is now helping homebuyers and owners in 30 states plus Washington, D.C.Unison’s recently published 2019 Home Affordability Report states that individuals earning the current median income will need 14 years to save for a 20-percent down payment.
(NewsUSA) – Whether you’re buying online or shopping in a store, there are many modern shopping conveniences available today that can be traced back to the debut of a seemingly simple technology – the first barcode scan.With a powerful impact on global commerce, the barcode is used by millions of people everywhere, every day.However, its creation required decades of collaboration with grocery industry leaders to establish its design, use, and ultimately cement its place in retail.This year, we celebrate the definitive moment in history when 45 years ago, the first Universal Product Code (UPC) was scanned – a milestone that led to unprecedented economic opportunities and the variety of shopping options we enjoy today.Grocery stores were desperately searching for a way to improve efficiency and profits.Inventor and scientist, Norman Joseph Woodland and his research partner, Bernard Silver, began work on a solution to the grocers’ problem in the late 1940s.Woodland was working at IBM, when his colleague, George Laurer, created the linear UPC barcode – that version was ultimately selected by the grocery industry in 1973 and continues to be printed on products.The Uniform Product Code Council (later rebranded GS1) was named the barcode administrator in 1974 to issue product identification numbers to be encoded into barcodes, known today as the Global Trade Item Number (GTIN).The organization set guidelines for its use and began testing it.On June 26, 1974, the UPC barcode made its debut at the checkout counter of the Troy, Ohio Marsh Supermarket.
(NewsUSA) – The phrase ‘six degrees of separation,’ suggests that only a minuscule measurement is what divides one person from another.Today, the Internet of Things (IoT) has decreased those degrees dramatically, connecting us not only to each other, but to everything from our fitness trackers to our coffee makers.Consider this: according to a recent report by the Federal Trade Commission, the number of Internet-connected devices tops 25 billion worldwide.And that number is expected to double in the next five years, according to experts cited in the report.In a world where everyone and everything is connected, digital security is a must-have, just as important as the lock on your front door or the keys to your house.“Technology is revolutionizing the way consumers use cars, homes, work spaces and everyday items,” Rep. Darrell Issa, R- Calif., told USA Today in a recent interview.“These devices raise both opportunities and questions about regulatory policy, spectrum space, privacy and more.”Underscoring Issa’s concerns are high-profile hacks, including one that took remote control of a Jeep on a busy highway.Experts warn who consumers need to understand that, although convenient, the IoT is an interconnected system, and security is needed to prevent a weakness in one device (like a SmartWatch) from becoming an open door to attack in another device (such as a connected car).The good news is that sensitive industries such as banking, government, and healthcare have worked with companies like Gemalto, a global leader in digital security, to solve difficult security challenges.While most may not recognize the name “Gemalto,” experts say that almost everyone uses at least one or two of the company’s solutions, which are embedded in a wide variety of connected devices, credit cards, passports, and ID badges.So, to ensure that your data is protected from hackers, Gemalto recommends the following tips:* Secure the device.
(NewsUSA) – Before you open your pool for the season or whenever you close it down, you should be aware of a hidden danger.When swimmers come into contact with this “leaked” electrical current in your pool, it can cause loss of muscle control, rapid or irregular heartbeat or even electric shock drowning (ESD).Electrical shock drowning can occur in treated water.Many pools and spas now feature lighting, digital entertainment systems, automated sensors for maintenance, and other integrated comforts or technologies.The presence of these devices in and around water can increase the risk of injury.Mild tingling sensations and numbness in the limbs or extremities are the first telltale symptoms of ESD.”Electricity is extremely dangerous in water and improperly installed, maintained or damaged electrical connectivity can leak electrical current,” says Grayling Love, product line manager at Eaton.“Help protect yourself and your loved ones from ESD by having all electrical equipment used at the pool or spa installed, inspected and regularly maintained by certified electrical contractors who can help you meet the latest electrical codes and standards.”Electric shock drowning cases have been known to result from electrical current leakages originating from faulty wiring or failing electrical distribution equipment.The use of Ground Fault Circuit Interrupters (GFCIs) and Equipment Leakage Circuit Interrupters (ELCIs) near the pool, hot tub or wet spa can significantly help reduce the risk of electric shock drowning while helping water facilities meet electrical codes and safety standards.
(NewsUSA) – As temperatures rise and air conditioners begin to blast, educated homeowners have no need to fear the Environmental Protection Agency’s (EPA) 2020 Freon Phaseout.January 2020 marks the EPA mandate to end production of Freon (also known as HCFC-22 and R-22), the primary refrigerant chemical used in residential air conditioning units that has been found to have a significant contributing effect on ozone depletion and global warming.While this is good news for environmentally conscious consumers, what does this mean to homeowners?In short, you can still opt to keep your older system that requires Freon.Technicians will have limited access to R-22 or use recycled versions until supplies dwindle.Alternatively, homeowners would need to hire a technician to replace the outdoor unit and indoor coil to accommodate the newer R410A, which is an expensive proposition.Ultimately, now might be a perfect time to upgrade since the average lifespan of an HVAC system is approximately 15 years – allowing homeowners to enjoy greater long-term savings on utility bills and live greener.Live Green, Save Green, Stay Cool With home heating and cooling accounting for nearly half of home energy use and air conditioner energy expenses costing homeowners more than $11 billion a year, small steps can go a long way.Following are some useful tips to help you contribute to the cleaner energy movement and reduce bills:* Get Electric: According to Columbia University’s Earth Institute, electric systems are a solution to decarbonize home climate control.Mini-splits use thin copper tubing to pump refrigerant from an outdoor compressor directly into an indoor air-handling unit, where the air is quietly distributed to the interior space.Voice-control capability uses digital assistants, such as Amazon Alexa or Google Home, to verbally dictate home temperatures.
(NewsUSA) – Well, actually, it’s both … the charm of hummingbirds is most certainly apropos and "a charm" of hummingbirds is actually factual!Since the definition of the noun ‘charm’ is "the power of giving delight or arousing admiration," one doesn’t need to be a wordsmith to see how right that is.Light level, moisture, angle of viewing and other factors all influence just how bright and colorful their throats may appear.Perhaps you’ve heard them, too – the name hummingbird comes from the buzzing sound of their fast-flapping wings.Hummers are migrant birds, so although many stay close to the Equator, lots of varieties travel this time of year, so there may be a ‘charm’ coming to your backyard soon.Hummingbirds weigh on average the same as a nickel, so while you’ll want to wear a replica from the jewelers, Hummers can be your own garden’s jewelry all season long.And in return for their arousing your admiration, they’ll feed on those annoying garden insects and pests.They are voracious eaters, feeding on mosquitos, gnats, spiders, aphids and other six-legged creepy crawlers.
(NewsUSA) – From busy parents to picky toddlers, the struggle to get enough fruit and vegetables into our diets is real.In fact, many Americans don’t consume the recommended amount.A glass of Florida Orange Juice is a convenient and delicious way to help bridge the gap.According to a recent survey, more than half of parents say it’s difficult to feed their children a nutritious meal and two-thirds say it’s a struggle to find options that are both nutritious and convenient.For some, breakfast is the most challenging meal of all.Florida Orange Juice can help.An 8-ounce glass of 100-percent orange juice counts as a serving of fruit, providing important nutrients such as vitamin C, potassium and folate all with no added sugar.Plus, it’s convenient to take on-the-go when the morning meal gets lost in the hustle and bustle of everyday life.For children, the recommended daily serving of 100-percent orange juice is 4 to 6 ounces.The vitamin C in 100-percent orange juice may play a role in reducing the risk of heart disease and high blood pressure, and the duration of the common cold.And the benefits of 100-percent orange juice don’t stop there.
(NewsUSA) – Did you know that 1 in 4 high school students uses e-cigarettes?Nationally, 5.3 million middle and high school students use these products, which means that even if your children are not using e-cigarettes, they almost certainly have friends who are.Surgeon General declared the problem an “epidemic.”Parents need to understand how prevalent e-cigarettes are – and the serious health risks they pose to young people – in order to protect kids from this growing threat.Many of these products look like pens or flash drives, and they can be disguised as watches or tucked into the sleeve of a hoodie.These disguises help kids hide them from parents and teachers, but just knowing what to look for puts you one step ahead.E-cigarettes are also sold in a huge variety of kid-friendly flavors, from gummy bear and banana ice to mango and mint.Studies have found that most youth e-cigarette users use flavored products and say they use these products “because they come in flavors I like.” These flavors hide the fact that e-cigarettes can deliver massive doses of nicotine, which is a highly addictive drug.Popular brands such as Juul deliver as much nicotine as a whole pack of cigarettes.A 2016 Surgeon General’s report concluded that youth use of nicotine in any form, including e-cigarettes, is unsafe, causes addiction and can harm adolescent brain development, which impacts attention, memory and learning.
(NewsUSA) – In these times of market uncertainty, investors are looking for alternatives, and one company, SmartWealth, has their backs.SmartWealth is a coaching and training organization that teaches people how to retire safely by in- vesting wisely.The key to financial security and success, according to Jeffrey D. Sokol, the founder of SmartWealth who predicted the current market collapse, is locking in stock market gains, without risking the client’s money in the market, a proposition that many people find risky even at the best of times."Investing in the stock market directly with 401(k)s and mutual funds has proven to be a massive risk to the retirement accounts of millions.There is a simple way to lock in stock market gains, without having to suffer losses," says Sokol."Our methods are proven and efficient … the wealthiest billionaires in the world have the same rule book you do, they just had a better coach."Mr.Sokol is also the author of two books, "Get in the Game" and "Smart Wealth Secrets," that focus on investing.Many financial advisors push clients to load up 401K accounts as a retirement strategy, but such accounts are more susceptible to the ups and downs of the stock market, Sokol says.However, there are other options: SmartWealth offers a range of online training courses developed by industry experts that are designed to increase income and boost financial confidence.Courses include the SmartWealth series, which focuses on actions to keep and grow your retirement savings; and the Daily Passive Income Video series, which features sys- tematic strategies for asset creation.
For too long, Millennials have gotten a bad rap about money and their ability to save for a rainy day or retirement.However, a new “Relationship With Money” survey by financial services firm Edward Jones found that not only do more Americans born between 1981 and 1996 consider themselves “savers” than those in their parents’ Gen-X cohort (48 percent vs. 46 percent), but that Millennials also were better at socking away emergency funds (75 percent vs. 66 percent).That’s right.The same Millennials whose motto could be “Why buy a car when you can Uber?”“This debunks the myth that Millennials aren’t as financially focused as other generations,” says Edward Jones investment strategist Nela Richardson.And the survey isn’t some outlier.It’s supported by other research.The Federal Reserve Survey on Consumer Finances found that while Millennials are deep in debt, more than 42 percent have retirement accounts, the highest share for those under 35 years of age since 2001.Part of what’s driving Millennials’ emphasis on saving could stem from lingering memories of the Great Recession.“Back in the late 2000’s, the oldest cohort of millennials entered the worst job market since the Great Depression of the 1930’s,” says Richardson.“For younger millennials, watching their parents and other family members go through that experience may have also made them more aware of the risks of a market downturn or some other unexpected event, such as losing a home or a job, and so they’re more conservative when it comes to spending and saving in their adult lives,” says Richardson.One potential alarm bell uncovered by Edward Jones’ sampling of more than 2,000 adults nationally age 18 and over: While 92 percent were honest enough with themselves to recognize there was room for improvement in their financial health, the very thought of saving money sufficed to make more than a third feel either “anxious” or “overwhelmed.”If that sounds familiar, here are three steps to consider:• Identify your money-related emotions.People often have emotional responses to money.Getting a big bonus at work can make you feel euphoric; agonizing over what to do with it can be paralyzing even as the logical part of your brain (invest at least most of it) fights it out with the emotional part (splurge it all!).What’s key is knowing that letting your feelings dictate your spending, saving and investing choices can lead to poor decisions.• Develop a financial strategy.
(NewsUSA) – Sponsored Content -Now that the initial shock of the pandemic has started to wear off, it’s time to take a step back and really start planning.The uncertainty surrounding the Covid-19 pandemic is enough to rattle even the strictest saver.Things may feel that they are all out of your control, so focus on what you can control.Listen to healthcare professionals and follow guidelines to protect yourself and others.If you are financially impacted by Covid-19 for any reason, there are steps you can take to help minimize that impact.Even if you have not yet been financially impacted by the current state of events, it is vital to either reassess your household budget or create one if you have not already.When you are looking at your crisis budget, identify which expenses are absolutely necessary and which are not.
In addition, we are also mourning lost habits and ways of life that are casualties of the coronavirus.Going out with friends, hugging a grandparent, even opening a door in a public place are on hold.However, even as states begin to open up, changes in how we interact with each other and the world will likely continue for far longer."Mourning is hard work," Sigmund Freud once wrote in his essay, "Mourning and Melancholia."Letting go of what we have lost helps us move on with our lives, although we will always miss the people, places, and things we have lost; in that sense mourning can never be complete.Mourning and grief are an important part of coping with loss and essential in managing changes and accepting new realities.Recognizing that our pre-COVID lives may never return is a loss to be mourned, and the work involved in this mourning can help us move on and into the new reality.However, some people struggle with the process more than others, and resist by responding with illusions of control, refusing to take precautions, and showing contempt for politicians and public health officials who try to explain the changing realities of daily life.In an article post on APsaA’s Psychology Today blogsite, psychotherapist Shelley Galasso Bonanno, MA, LLP, writes, "Each person processes and expresses grief in their own individual ways, yet there is comfort and power in understanding that one is not alone during this pandemic."