No Arms, No Legs, No Worries

Five words or less(NewsUSA) – One might not think that someone with no arms and no legs could swim, much less scuba dive, but with the help of one non-profit organization based in the Chicagoland area, children, veterans and people of all abilities around the world can benefit from zero gravity and scuba therapy.
The Downers Grove-based Diveheart Foundation has been serving individuals with everything from spinal cord injuries and traumatic brain injuries to those on the autism spectrum and with post-traumatic stress disorder.
Since 2001, this 501 C3, volunteer-driven charity has done everything from helping to facilitate cutting-edge scuba therapy research with university medical centers around the country to launching a leading international adaptive scuba training program for scuba instructors, dive buddies and adaptive divers (Diveheart refers to people with disabilities as adaptive divers, not handicapped or disabled divers).
“It’s not about scuba diving,” according to Tinamarie Hernandez, Diveheart Executive Director.
“Diveheart’s ultimate goal is to take the unrealized human potential that exists with individuals with disabilities and create a paradigm shift in their lives,” she says.
“We take Chris in the wheelchair and help him or her become Chris the scuba diver. Now Chris is no longer defined by his or her disability,” she adds.
“Diveheart then helps direct them to activities like coral reef restoration, marine biology and oceanography, giving them focus, purpose and helping them to feel valued while they are learning to become good stewards of the environment.”
Diveheart’s free scuba experience programs reach from coast to coast in the U.S. and are replicated by Diveheart teams as far away as Malaysia.
Researchers from around the country have found that the benefits of scuba therapy and zero gravity underwater range from relief of symptoms caused by post-traumatic stress disorder and chronic pain to increased focus and a sense of well-being in those with developmental disabilities.
Researchers have also discovered that there are big benefits in going deep because the body produces an extra output of serotonin once divers reach 66 feet underwater. However, those with developmental and physical disabilities can benefit from the very first pool session.
Diveheart’s ultimate goal is to secure funding to build a deep warm-water research and training facility so that the benefits of scuba therapy can be replicated in a safe, confined, warm-water environment.
More information on Diveheart and scuba therapy can be found at www.diveheart.org

The Gift That Tops Parents’ Holiday Wish Lists May Surprise You

(NewsUSA) – The one gift that may secretly top most parents’ holiday wish lists? Help with paying college costs for their kids. A whopping 84 percent of parents surveyed said they’d "welcome" contributions to their 529 college savings accounts in lieu of other traditional presents, according to new data from Fidelity Investments. However, only 29 percent had actually asked for such assistance. What’s holding parents back? Well, maybe they still believe in Santa – good luck with that – or maybe they haven’t heard about programs like the free online one at Fidelity that lets friends and family easily chip in to lessen the burden. And quite a burden it is, given that the College Board’s Trends in College Pricing 2017 listed the average total annual charges (tuition, fees, room and board) of a private four-year college at $50,900, an in-state public four-year college at $25,290, and an out-of-state public four-year college at $40,940. See full-sized image here

How to Succeed in Selling Your Business

Five words or less(NewsUSA) – As a larger proportion of the American population reaches retirement age, the issues of wealth transfer and asset management become even more prominent.
“The largest transfer of wealth in history is now underway, and it is in the form of established operating businesses owned by Baby Boomers,” according to a white paper by C2C Business Strategies, LLC, a business management and consulting organization specializing in business transitions.
Baby boomers and their transition advisors will face several challenges over the next several decades.
Some tips to make the most of the transition include:
– Prep work: Many baby boomer business owners have given little or no thought to the transition process, and they may find themselves unable to sell the business when they want to. Most financial consultants recommend a lead time of three to five years to prepare a business. Meanwhile, as more baby boomers seek retirement, the surplus of businesses available for sale may reduce business values.
– True value: Survey findings of business owners suggest that many overestimate the value of a business because they are basing estimates on projections or future orders rather than the current cash the business is generating.
– Good advice: Baby boomers looking to sell their business can benefit from a skilled transition advisor to guide and direct the process. Advisors can help business owners decide on a realistic price and determine a sale structure that works for both buyers and sellers.
As in the case of a real estate agent negotiating a home sale, a business advisor will find the right buyer for a business and will work with the buyer and seller until the transaction is complete.
Tips for business owners to help ensure a smooth sale include:
– Good housekeeping: Make sure all financial information is current and in order. Time is essential once a business-sale transaction is underway, so don’t slow down the process by scrambling for information.
– Flexible financing: Data show that sellers who accept financing terms receive, on average, 86 percent of their asking price, compared with 70 percent for those who will only accept cash. An advisor can help sellers evaluate financing terms to maximize sale prices.
For more information about transitioning out of a business, visit rysgp.com.

Ultimate Life Hack for Managing Your Money after the Wedding Day

(NewsUSA) – While your love may know no bounds for your spouse, things can get a little more tricky when talking about finances.Financial issues are one of the most cited causes of conflicts in a marriage, and financial problems, including debt and disagreement about money management, are among the top issues in divorce as well.Merging your life, including your financial life, with someone else’s can be challenging, but setting up a solid financial plan early in marriage can help preserve harmony and nip money conflicts in the bud. Data from Ameriprise Financial show that at least one-third of couples disagree about money at least once a month on topics including savings and discretionary spending.Fortunately, today’s technology offers new options to help couples navigate shared and individual finances. More American couples now maintain separate bank accounts instead of, or in addition to, joint accounts, and the latest banking apps offer flexibility, security, and ease of use. MovoCash is one example of a digital payment card platform that offers consumers with a variety of financial life hacks as alternatives to traditional banking services. Anyone in the U.S. can open an FDIC-insured MOVO card account that is easy to use and doesn’t require gold-plated credit.MOVO’s easy design offers a simple financial strategy for couples: each partner can open a separate account for immediate spending needs and personal discretionary purchases, and the couple also can maintain a joint account for major expenses such as savings, bills, and home expenses. Purchases and payments can be made quickly and directly from a phone.In addition, funds can be transferred instantly between MOVO accounts, and the system allows for direct deposits to manage incoming paychecks and outgoing payments. The MOVO card can be used anywhere Visa is accepted, so that cuts down on the use of credit cards and the potential debt of credit-card bills. The app helps users track transactions and monitor balances, making it easier to avoid overspending and stick to financial goals while leaving room for each partner’s pleasure purchases.For more information about MOVO’s mobile banking options, visit https://movo.cash.Are you married with MOVO? Contact support@movo.cash and tell us how you use it, and you have a chance to be featured in a future article.

Steal the Show at Your Next Holiday Party

Five words or less(NewsUSA) – For those who like to wear their holiday spirit front and center, it’s the most wonderful time of the year. But it’s also the season of charity, so why not feel good by making a fashion statement that’s socially conscious as well?
No doubt, there are many sources that sponsor holiday clothing collections, but savvy shoppers can support a variety of causes in a quest to win the Ugly Christmas Sweater Party, or make a splashy holiday statement.
Some strategies to get a smile, while staying warm and comfortable this season and donating to a worthwhile charity, include:
* Sweaters: The Ugly Christmas Sweater has become a must-wear for any holiday party. Those who embrace the sweater party spirit can do something extra this season by browsing ugly holiday sweaters at iEDM.com
Whether you don one nostalgically or ironically, it’s wearable joy and a great way to spark up a conversation. With themes ranging from Grumpy Cat to PacMan, Grinch and Alice in Wonderland, they have plenty of options for your next Christmas party.
If you’re throwing your own Ugly Christmas Sweater party, you may want to consider picking up a couple of extras for guests who dare to show up without one.
iEDM donates 5 percent of its holiday profits to St. Jude Children’s Research Hospital to support its research and treatment, and support families with children undergoing treatment.
* Hoodies: Not feeling the Ugly Christmas Sweater theme??Why not wear an Ugly Christmas Hoodie instead?
These iconic staples to anyone’s wardrobe can be stylish and versatile and be the perfect ensemble to a party.
For a truly unique holiday hoodie, companies such as Epic Hoodie have a wide selection of colorful hoodies and a curated collection that showcases the original work of artists, each of whom receives a portion of every sale.
These Ugly Christmas hoodies are handmade in the United States using eco-sustainable inks and fabrics.
Have a raver on your Christmas list? iEDM has just what you’re looking for with its rave hoodies in all kinds of colors.
* Onesies: If you’re unsure what to wear to your office Christmas Party, why not make the ultimate splash and rock a vivid, comfortable, and eco-friendly adult onesie? Onesielife is a first of its kind, all-over-print streetwear onesie company.
Bonus? All onesies are handmade in the USA, and this retailer donates 5 percent of every purchase to the nonprofit Children’s International, which provides food and services to children in need around the world.
Whatever your need this holiday season – be it an Ugly Christmas Sweater for a party you’re attending or throwing, an Ugly Christmas hoodie to keep warm or wear out, an adult Christmas onesie to be the envy of any event, or a gift for your favorite raver – you can find everything you need here.
To learn more about these unique collections, visit iEDM.com, epichoodie.com, and onesielife.com.

Junior Achievement Celebrates 100 Years

Five words or less(NewsUSA) – Ask any young person what they want to be when they grow up and you most likely will get lofty answers, such as a pro-football player or a You Tube star. While admirable, it may be worthwhile to temper these expectations and get kids thinking about a Plan B that incorporates their dreams into the real world.
Enter Junior Achievement (JA), a non-profit organization that is celebrating its 100th anniversary.
Since 1919, JA has made it its mission to prepare youth for future jobs by helping young people understand business and finance so that they are “work-force ready.”
Currently, the JA network reaches approximately 5 million students a year in the United States, and 10 million students in total in more than 100 countries.
To understand its current mission, we have to look at the organization’s history, which began as the Boys’ and Girls’ Bureau of the Eastern States League, founded by AT&T chairman Theodore Vail, Strathmore Paper Company founder Horace Moses, and Massachusetts Senator Murray Crane.
Today, JA aims to educate youth with the knowledge and skills to achieve economic success in a variety of ways, whether that means going to college, starting a business, or learning a trade. JA programs are taught by volunteers whose goal is to help students make smart academic and economic choices as they plan for their futures.
According to the organization, “Junior Achievement’s programs – in the core content areas of work readiness, entrepreneurship and financial literacy – ignite the spark in young people to experience and realize the opportunities and realities of work and life in the 21st century.”
JA began in 1919 with a focus on younger students, but shifted focus to after-school programs for high-schoolers who were encouraged to start student-run businesses with guidance from volunteer business advisors in the community.
However, JA expanded its reach to include younger children in financial education in the 1970s.
Project Business, a program aimed at teaching business concepts to middle-schoolers during in-classroom sessions, and Business Basics, a program for elementary school children taught by volunteers from the high school programs, were introduced. By the 1990s, JA had developed in-school programs for grades K-12 in the United States.
JA’s international expansion began in the 1950s with the opening of an office in Canada, followed by the first overseas Junior Achievement-affiliated organization, Young Enterprise (YE), in the United Kingdom in the 1960s. JA Worldwide currently provides volunteer-run programs in countries throughout the world.
“Today, JA is pushing the education envelope with the implementation of blended-learning, augmented reality and project-based programs,” according to a company statement.
Current programs include simulations in which elementary and middle school students have the opportunity to test out making adult financial decisions or manage a town.
In addition, high school students have opportunities through JA to shadow professionals on the job in a variety of fields.
Visit JA.org to get more information about the programs, to donate, or to volunteer.

Bed and Breakfasts Give Travel a Personal Touch

(NewsUSA) – Travelers seeking a personal touch and insider stories would do well to consider staying at a local bed and breakfast (B&B).B&Bs "are more intimate, with much more personal attention," says Sharon Scruggs, who operates the Fife and Drum Inn with her husband, Billy. Both are lifetime residents of Williamsburg, Virginia, and provide a unique and in-depth perspective on the history of the area for their guests.The bed-and-breakfast experience offers many other benefits beyond what travelers find in a chain- hotel setting.- Location. Many bed and breakfasts are historic properties, often located in the center of scenic areas.The Fife and Drum Inn has been part of Sharon’s family for generations. The building was constructed in 1933 by her grandfather as a combination of stores with apartments above, and is a short walk to the sights and sounds of Colonial Williamsburg, including the holiday Grand Illumination fireworks display.- Character. Part of the charm of a bed and breakfast is the uniqueness; art, décor, and food are integrated to create a complete experience. For example, the Fife and Drum retains the colonial feel of the area in all its guest rooms. Special features include antique furnishings, elegant four poster beds in some guest rooms, as well folk art and artifacts from the restoration period of the historic area available for guests to enjoy.- Food. Bed and breakfasts don’t shirk the breakfast half of the equation, and the best of them reflect the local cuisine. The Fife and Drum features daily breakfast casseroles based on family recipes to reflect the southern cooking of the area; other items include fresh biscuits, Virginia ham, fruit, and a unique blend of granola to fuel a day of sightseeing.- Customization. Not only do visitors to a bed and breakfast get a unique perspective on the place they are visiting, they have options for special packages not available in other hotel settings. Bed and breakfasts can partner easily with local businesses for a smoothly organized and highly personalized vacation experience.The Fife and Drum Inn offers options such as the Historic Triangle Package that includes three nights at the Inn, breakfasts, and admissions to historic Williamsburg, Jamestown, and Yorktown. Bed and breakfasts also lend themselves to romance. Helpful hosts can design guest packages built around proposals, anniversaries, or just a special getaway.Visit fifeanddruminn.com for more details about how a bed and breakfast makes for a memorable travel experience.

Online Portal Offers Quick and Easy Way to Charter Flights

(NewsUSA) – Savvy travelers recognize the benefits of flying privately, including convenience, comfort, and confidentiality. However, those who do employ private travel are not immune to the hassles of dealing with charter operators, a process that often involves waiting days for a flight confirmation.Some online charter jet booking services allow users to enter information, but most do not allow for the actual booking and payment process.Enter ONEflight International, a Colorado-based charter broker, that operates the BAJit online booking program, a system that strives to make the process of booking, confirmation, and payment through its simple online portal, seamless.The website, BAJit.com, allows users to create a profile and search approximately 4,000 domestic luxury jets available through 500 top-rated charter operators.Other special features that make BAJit a win for private jet flyers: they can enter travel details and browse the available jets, viewing both interior and exterior photos as well as information about amenities such as in-flight wi-fi and pet-friendly aircraft. In addition, travelers can view and compare ratings of different jets, compare prices, and consider aircraft size and style.Once travelers have made a choice for the jet that meets their needs, they can book and pay instantly through the secure website. Frequent fliers can save money with a membership program that offers reduced hourly rates.Travelers can feel confident that the planes they book online via BAJit meet strict standards for safety. ONEflight coordinates travel in collaboration with the Federal Aviation Administration and all planes must meet FAA standards. ONEflight also conducts safety screenings before every flight."While economics and convenience are at the forefront of most companies that charter private jets, it is our responsibility to maintain their safety," says Ferren Rajput, founder and CEO of ONEflight International. "Delivering a peace of mind to our clients is a mandate for all our employees. It is why we go through extreme measures in protecting their safety while providing our clients with a great experience on every flight," adds Rajput.Private jet travel will become even easier with the introduction of the BAJit phone app, according to the company website. In the meantime, visit BAJit.com to book a flight with ease, and visit oneflight.net to learn more about ONEFlight International. 

Medicare Plans Offer More Health And Wellness Benefits for 2019

(NewsUSA) – Beginning next year, Medicare Advantage plans will be allowed to cover a broader array of health-related services that may help people with Medicare improve their health.Starting in January 2019, the Centers for Medicare & Medicaid Services (CMS) has expanded the health-related benefits that insurers are allowed to include in their Medicare Advantage plans.Rides to the gym and in-home safety measures such as bathroom grab bars are among the new benefits added to certain Medicare Advantage plans for 2019.Original Medicare combines Medicare Part A, which helps cover hospital and other types of inpatient care, and Medicare Part B, which helps cover doctor visits, outpatient and preventive care. Original Medicare does not include coverage for most prescriptions.Medicare Advantage plans cover everything that Original Medicare covers and may include extra benefits, services and often prescription drug coverage through a private insurer such as Humana.Most Medicare Advantage plans offer extra coverage and services, such as vision, hearing and dental benefits, health and wellness programs, and a 24-hour nurse advice line. And most include Medicare prescription drug coverage.Health and wellness benefits often include fitness programs and gym memberships, and transportation to medical appointments. For 2019, Medicare Advantage plans provide members access to an expanded choice of over-the-counter personal care items such as toothbrushes and toothpaste, pill boxes, cough and cold medicines, eye drops, vitamins, heating pads, compression stockings and other supplies for diabetics, plastic bandages and other first aid items.The new Medicare Advantage supplemental benefits approved by CMS for 2019 also include virtual medical visits and virtual psychiatry, in-home support services and caregiver support.People with Medicare can see which new health and wellness benefits are being offered for 2019 on Medicare Advantage plans in their neighborhood by going online to the Medicare Plan Finder, or for Humana Medicare Advantage plans at www.humana.com/Medicare.You can also call 1-800-MEDICARE (1-800-633-4227) (or TTY: 1-877-486-2048) 24 hours a day, seven days a week, or call Humana at 1-877-877-0714 (TTY use 711) from 8 a.m. to 8 p.m., local time, seven days a week.The Medicare Advantage and Prescription Drug Plan Annual Election Period takes place from Oct. 15 through Dec. 7, 2018 for coverage that takes effect Jan. 1, 2019. Humana is a Medicare Advantage HMO, PPO, and PFFS organization, and stand-alone prescription drug plan, with a Medicare contract. Enrollment in any Humana plan depends on plan renewal.This information is not a complete description of benefits. Call 1-877-877-0714 (TTY use 711) for more information. Telepsychiatry services are currently available to Humana Medicare Advantage members at selected locations. Limitations on health care and prescription services delivered via virtual visits and communications options vary by state. Virtual visit services are not a substitute for emergency care and are not intended to replace your primary care provider or other providers in your network. This material is provided for informational use only and should not be construed as medical advice or used in place of consulting a licensed medical professional.Y0040_GHHKBSPEN_M 

AI Meets Hip Hop in Innovative Music Partnership

Five words or less(NewsUSA) – DigiTrax Entertainment, a pioneer in the music technology industry, brings its artificial intelligence (AI) expertise to the popular hip-hop segment.
With the introduction of KR38R Beats, a unique AI product specifically geared to the hip-hop artist, DigiTrax recognizes the importance of hip-hop music and how it is a great fit for AI technology. The company has paired with Spotlite, a popular and established singing performance app, to create “Rapping with the Robot,” a contest for aspiring hip-hop artists.
The contest is scheduled to begin on Thanksgiving Day and end on New Year’s Eve.
Prizes include an all-expenses-paid recording session, with professional production and distribution across all major platforms.
“We focused our AI on the most relevant segment of music in today’s streaming economy,” says Joe Vangieri, CEO of DigiTrax Entertainment.
“Hip-hop beats comprise one out of every three streams, and generate billions in revenue.”
The KR38R Beats product is based on the Music Builder program, DigiTrax’s unique and innovative technology that helps artists harness the power of artificial intelligence. Artists can feed ideas into the program, which then serves as a composing partner and allows them to create more songs more quickly.
Spotlite is a free, direct-to-fan singing app designed to allow amateur and professional vocalists to sing original music, covers, and karaoke across all musical genres.
“As a fan, you used to go out and buy CDs to support your favorite artist,” says Juan Munoz, general manager of Spotlite Media.
“With the change in how fans ingest content, Spotlite has not only allowed fans a new way to directly support their favorite artists, but the fans become the tastemakers. Through our contests, fans tell us who should truly be recognized for their talent,” he explains.
Other benefits of using artificial intelligence in creating original hip-hop music include greater profitability and protection for the users under copyright law.
“Because we own both the publishing and the sound recording that our AI has written,” Vangieri explains, “this gives us free reign to fully exploit both sides of a song – the publishing and the sound recording.”
DigiTrax plans to introduce several more contests in 2019 to showcase the way its technology is transforming how music is created and enjoyed.
For more information about the company and its future business goals, go to digitraxentertainment.com.