(NewsUSA) – You may say your 2017 New Year’s resolution is to cut back on sweets, but is that truly what you want most to have accomplished by year’s end? Maybe not. By a margin of 69 percent to 30 percent, those surveyed for Fidelity Investment’s eighth annual "New Year Financial Resolutions Study" said they’d rather stick with a budget than a diet. Heck, with money paramount on so many people’s minds, even "catching up on sleep" failed to edge out "catching up on savings." See full-sized image here.
(NewsUSA) – Sponsored News – Millennials may still have a way to go before totally gaining their footing as adults, but many are already better at one thing than past generations: saving money.That’s one of the findings of Fidelity Investments’ intriguing second biennial "Millennial Money Study." Yes, 47 percent of those surveyed confessed that their parents have helped them cover expenses since being on their own — and that includes everything from cell phones (21 percent) to clothing (16 percent) to rent/mortgages (12 percent). But most have apparently used that cushion to help start socking bucks away.How much bucks? Well, not only do 62 percent have an investment account, but — are you ready? — 59 percent have a fatter emergency fund, totaling an average of $9,100, than both Gen-Xers or Baby Boomers. See full-sized image here.
(NewsUSA) – Noticias patrocinadas – Con el Mes de la Herencia Hispana en marcha, los latinos están recibiendo el muy merecido reconocimiento público por su contribución al crecimiento cultural de Estados Unidos. De acuerdo con White House Initiative on Education Excellence and Hispanics, en la actualidad hay más de 54 millones de latinos en EE.UU., y se espera que las latinas representen un tercio de la población femenina del país en 2060. Por esta razón, no debe sorprender que figuras latinas hayan acaparado la atención en los campos de la política, los deportes y el entretenimiento. En el mundo de la moda, las latinas se están posicionando a la cabeza y están resaltando sobre el resto. Este es el caso de la diseñadora y ganadora de la temporada 14 del Project Runway de invierno , Ashley Nell Tipton.
Hija de madre mexicana y padre californiano, Tipton es firme defensora de la importancia de apoyar a todas las personas, sin importar su raza, género o tamaño. Esta motivación, en conjunción con su objetivo de desafiar las reglas de la moda de tallas grandes, es lo que ha llevado a Ashley Nell Tipton a crear Boutique+, su primera colección de tallas grandes disponible exclusivamente en JCPenney. Inspirada en la ropa de los 50 y con un toque vanguardista y alegre, esta colección se suma a la colección Boutique de JCPenney, ya disponible en tiendas y en la página web.
“Hay una enorme cantidad de mujeres de talla grande que está buscando opciones de moda que se adecúen mejor a sus estilos de vida, presupuestos y, lo más importante, a sus cuerpos. Con el respaldo de JCPenney, tengo la oportunidad de ofrecer a estas mujeres el glamour, el color, la diversión y el estilo que quieren, para que a su vez se sientan bien”, dice Tipton. “La meta es que mujeres de todas partes puedan sentirse cómodas y seguras cuando elijan una falda tubo o un top atrevido con colores vivos. Se trata de crear una imagen que una ame y con la que una pueda expresarse con libertad. Cuando las prendas que las mujeres quieren y necesitan no están disponibles, es difícil conseguir el look deseado”.
Junto a JCPenney, Tipton está desafiando los límites del estilo para las mujeres de talla grande en todo EE. UU.,y está difundiendo el mensaje de que todo cuerpo es bello y debe celebrarse. Con el debut de su colección y el lanzamiento de una serie documental de tres partes llamada #HereIAm, Tipton quiere dar más poder a las mujeres de todas las tallas para que se amen y se desafíen a sí mismas para alcanzar su máximo potencial sin complejos y con estilo. Tipton es una clara defensora del movimiento por una imagen corporal positiva en una industria que a menudo se adhiere a estándares que no son representativos de la mayoría de las mujeres estadounidenses.
Para saber más acerca de Ashley Nell Tipton y la colección Boutique+ de Ashley Nell Tipton, visite JCPenney.com.
(NewsUSA) – Sponsored News – The weather is getting cooler, signaling time to turn off your energy-guzzling AC, but that’s no reason to turn off your ceiling fan. You can save money and energy year-round by continuing to run your ceiling fan. That’s the message touted by the fourth annual National Ceiling Fan Day (NCFD) this Sept. 18.
Many major ceiling fan manufacturers, the American Lighting Association (ALA) and leading energy conservation groups invite everyone to join the fight to reduce energy consumption by turning off their central cooling systems and relying on ceiling fans to save trillions of kilowatt hours of energy consumption.
As extra incentive to participate in the energy-saving effort, many fan retailers are offering discounts to consumers in conjunction with NCFD. You can find a list of local ALA-member fan retailers online at americanlightingassoc.com.
If all Americans participate in NCFD by turning off their AC and using fans for their cooling needs, the United States will save enough energy to power the entire city of New York for months. And it saves money too. Operating a fan can cost as little as $1 per month. That is quite a savings compared to approximately $100 per month to run an AC unit in a typical home.
Initiated by fan manufacturer Fanimation, NCFD is supported by other ALA-member fan manufacturers, including Casablanca Fan Company; Craftmade; Emerson Ceiling Fans; Hunter Fan Company; Kichler; Matthews Fan Company; Minka-Aire; Monte Carlo Ceiling Fan Company; Progress Lighting; Quorum International; Regency Ceiling Fans; Savoy House; Sea Gull Lighting; The Modern Fan Co.; Vaxcel International; and Westinghouse Lighting, as well as The Home Depot; Lowe’s Companies, Inc.; and the ALA. Many of the nation’s leaders in energy conservation and efficiency are also on board. Those supporters include the U.S. Green Building Council; Alliance to Save Energy; Affordable Comfort, Inc.; Environmental and Energy Study Institute; and Midwest Energy Efficiency Alliance.
For more information about how to save energy with ceiling fans and for a list of ALA-member fan retailers and manufacturers, go to AmericanLightingAssoc.com.
(NewsUSA) – Sponsored News – Summer is in full swing, but it’s not too late to plan a relaxing staycation or backyard social gathering while the evenings are warm and clear. To make the most of your family and friends’ time, look around your outdoor space to see if the existing lighting works properly and enhances the ambiance.
According to the American Lighting Association (ALA), a few updates to your outside lighting can make your outdoor time more enjoyable. And the best part:It does not have to be complicated or costly to transform your existing patio, deck or pool area into a lovely retreat.
“Creating a beautiful landscape doesn’t have to be expensive,” says Rick Wiedemer of Hinkley Lighting. “A few well-placed, low-voltage path or accent lights can make a huge impact on a well-manicured landscape.” No lawn is too small. “Even modest homes or those with limited yards or gardens can benefit,” he says.
A few outdoor lighting tips:
Layer outdoor lighting. Just like indoor lighting, outdoor lighting is most effective if it utilizes overhead, task and ambient light sources. Even outdoors, where there are not typically boundaries and borders, those three layers will enhance enjoyment and help define smaller sitting and entertaining areas as though they are outdoor rooms.
Create a safe and secure environment. Enhance security with lighting near entrances and in dark corners. Aim lights away from the door so as not to blind anyone as they enter your outdoor area.
Reduce glare. Light walkways and paths with light that is cast downward and fixtures that are hooded. In many cases, exterior-safe dimmers and movable fixtures, which can be added to a patio or porch as needed, can provide flexible control over the level of light.
Add decorative elements. While functionality is the top priority, aesthetic elements are important for a relaxing and inspiring setting. Focus on lighting that highlights architectural and natural details, as well as other decorative elements like arbors, pergolas, patios, etc.
Conserve energy. Consider LEDs for their efficiency. Also think about Energy Star and Dark Sky fixtures that reduce glare and minimize light into the sky as well as neighboring yards and windows. Remember to check the color (chromaticity) of LED outdoor lights. Low chromaticity lights (2700 or 3000K) will look similar to incandescent and halogen bulbs. Higher chromaticity LEDs (4000K and above) will have a whiter, bluer look.
Visit a nearby ALA-member retail store to see the latest outdoor lighting options to make your outdoor space a true oasis. For more, go to americanlightingassoc.com.
(NewsUSA) – Sponsored News – It is no longer a brave new world for businesses. The digital age is here, and if experts are to be believed, businesses that have not already embraced this opportunity, risk joining those companies that refuse to adapt, and consequently are rapidly losing customers and revenue.
Consider this: according to the statistical website multpl.com, during 2015, S&P 500 companies as a group lost 3 percent in sales and 15 percent in earnings. At the same time, “Unicorn” private sectors companies, which are valued at more than $1 billion, including organizations such as Uber and Airbnb, are transforming the global business landscape in the digital age and quickly stepping over the old guard.
So what do the likes of Snapchat and Pinterest have that other companies do not? According to HCL Technologies, a leading global IT services company, technology is at the core of these forward-looking enterprises and there are four distinct characteristics that these companies embrace:
* Experience-Centric. These companies strive to offer the consumers a unified experience.
* Service-Oriented. These companies change the operating model to focus on customer experience.
* Agile & Lean. These companies optimize their size for fast-paced maneuvers.
* Ecosystem-Driven. These companies collaborate to extend the ecosystem beyond the enterprise.
“Going forward — with the disruptions in the business landscape due to digitalization, new age business models and technologies — the thinking of ‘business as usual’ and expecting to succeed needs a change,” cautions C. Vijay Kumar, President, Global Infrastructure Services, HCL Technologies. “An enterprise can no longer operate in isolation.”
Instead, says Kumar, an enterprise has to look at a holistic business model transformation, overhauling its business functions and operations for a unified experience. A business must hyper-focus on services and collaborate across the entire ecosystem for success.
While there is no blueprint for success, Kumar believes HCL can help guide companies through digital transformation and ultimately be successful through 3rd-generation, IT-outsourcing partnerships. HCL defines this as Next-Gen IT & Operations, and is uniquely positioned to offer integrated transformation services across applications and infrastructure, while adding the unique elements of hybrid cloud and DryICE, HCL’s 3rd-generation automation platform.
C. Vijay Kumar adds that key elements of HCL’s differentiation include “Digital Infrastructure Transformation that leverages our capability in implementing Software-defined Infrastructure Stack, Hybrid Cloud Solutions, Unified Communications and Modern workplace solutions.”
HCL’s DryICE automation encompasses 30-plus components, including some of the traditional automation solutions and orchestration, machine learning and cognitive solutions. This is a modular approach, enabling enterprises to be lean and agile, and has been implemented across all of HCL’s top customers while gaining significant traction among new customers.
HCL’s Next-Gen IT&O approach adds significant value in making enterprises agile and lean for the digital age. It focuses on end-to-end technology transformation, preparing www.hcltech.com.
(NewsUSA) – Noticias destacadas – El día de San Valentín está por llegar y encontrar el regalo ideal para tu persona especial, a la vez que comunicar el correcto mensaje romántico, no sólo puede ser difícil, sino que además un abrumador.
Por suerte, JCPenney cuenta con regalos con estilo y asequibles para dar en cualquier etapa de tu relación, ya sea que busques algo tierno o sexy. Aquí, nuestra tienda de ventanilla única ofrece consejos para elegir el regalo ideal que demuestre tu afecto este San Valentín.
* 1-4 citas: Propón algo divertido y discreto con una comida en casa acompañada de un vino rico. Busca tu receta favorita y prepara un postre en la sartén de corazón profesional anti-adherente de 9 pulgadas de Cake Boss. Mantén frío el vino favorito de tu amorcito con estilo en la conservadora portátil de botellas con tapa a rosca de Wine Enthusiast. Además, no olvides estimular todos los sentidos — pon un bello arreglo floral en la mesa y una bandeja difusora de Adele Reed para sumar un aroma delicioso y algún luz de velas al ambiente.
* 4-12 meses: Si bien aún en esta etapa el romance está floreciendo, intenta dar regalos agradables que muestren cuánto te importa pero sin gastarte una fortuna. Pon sus canciones de amor favoritas en el estereo de carga dual iHome o has un regalo chistoso con tazas de café de “Don’t go bacon my heart” y “I couldn’t if I fried”. Todo esto disponible en JCPenney. Si deseas un regalo más refinado para él, mira los objetos de la colección exclusiva de Michael Strahan. Regalos como el pañuelo de bolsillo Medallion o el juego de gemelos y corbata con patrones se asegurarán de que piense en ti siempre que se vista para una ocasión especial.
* 1 año o más: Mantén la llama ardiendo con ropa íntima de la colección Ambrielle de JCPenney. Por ejemplo, los pijamas o
el juego de bata de 3 piezas o tal vez algo más picante como una camisola negra con lazos. Si quieres ir a lo grande comprando joyería, considera la colección Heart of Hallmark de JCPenney y piezas como el anillo de diamante de 1/5 CTTW de plata esterlina con relieve de 14k de oro rosa. Para ayudar a quien quieres a recordar y celebrar los momentos felices que compartieron con el paso de los años, imprime y enmarca tus fotos favoritas en el marco de corazón para fotos.
Para más ideas e información, visita www.jcpenney.com.
(NewsUSA) – Sponsored News – Mortgage rates remain low, and home prices are stable or rising in most communities.
A September 2015 poll by NeighborWorks America found that nearly 90 percent of consumers consider home ownership at least somewhat important. Help ensure your home ownership success by following these guidelines from NeighborWorks America:
1. Get professional help.
The best way to learn what you need to know about buying a home is to meet with a nonprofit housing counselor. Look for a certified professional who can explain the different mortgages and interest rates, the effect of credit scores on loan approval, how much down payment is needed for purchase and how much home you can really afford.
“The housing market is tough right now, with fewer homes for sale on the market than usual, and new mortgage rules and many mortgage products to choose,” said Marietta Rodriguez, vice president for homeownership and lending at NeighborWorks America. “To be in the strongest position to make an offer that is accepted, consumers have to be prepared. That’s where initial consultation with a housing counselor is vital, even before meeting with other professionals involved in the process.”
To see a video describing more about the numbers to know, click here.
2. Build a budget.
Smart consumers approach home ownership with a budget, but surveys show that less than one-third of potential buyers have one. Start with a budget that includes potential changes in commuting costs, home maintenance expenses and even life changes, such as becoming a parent or paying for college. “Once all the numbers are on the table, it’s easier to see what type of home suits a family’s budget and needs, what might be necessary financial trade-offs and what could be a direct line to trouble,” said Rodriguez.
3. Be determined, not desperate.
A winning bid on the wrong home can spell trouble. A bidding war could weaken your determination to find the right home while pushing the limits of your budget. Moreover, sellers know that desperate buyers may avoid inspection contingencies.
“Forgoing a home inspection to move up a place in the bidding process could be costly down the road if problems and defects with the home arise. NeighborWorks recommends that homebuyers have a home inspection, and know as much as possible about the inside of a home as the outside,” added Rodriguez.
(NewsUSA) – “The New Serfs.”
Doesn’t sound as warm and fuzzy as that other sobriquet — “the sharing economy” — used to describe the Uberization of America, does it? But that’s what critics say workers are increasingly becoming thanks to a business model that’s totally redefining what it means to be employed in a tech-enabled, service-driven, 21st-century economy.
Think about it: If you drive for an app-based, ride-hailing service like Uber, Lyft or Sidecar — or maybe do stuff like fix leaky faucets, say, by signing on with TaskRabbit to connect with buyers with long to-do lists -; odds are that app-enabled “gig,” as it’s called, doesn’t include all or some of the following:
* Health benefits
* Workman’s comp
* Social Security
* The right to unionize
“The ‘sharing economy’ is mostly spin,” software developer Jon Evans wrote in a column for TechCrunch. “It mostly consists of people who have excess disposable income hiring those who do not.”
Uber was handed a huge defeat last September when U.S. District Judge Edward Chen in San Francisco granted class-action status to a lawsuit by drivers that, according to the Wall Street Journal, “could have sweeping implications” for anyone following the same business model. The core issue is: Are those behind the wheel “independent contractors” (as Uber claims) or “employees” entitled to a wide range of costly benefits (as drivers claim)?
“It will allow thousands of Uber drivers to participate in this case (and) challenge their misclassifications as independent contractors, as well as to attempt to recover the tips that Uber advertised to customers are included in the fare, but are not in fact distributed to the drivers,” attorney Shannon Liss-Riordan, who’s also representing Lyft drivers in a separate case, told the press while vowing to try to expand the suit nationwide.
Not boding well for Uber, which is planning to appeal the ruling: The California Labor Commission a few months earlier ruled that Uber driver Barbara Ann Berwick was, indeed, an employee in a claim involving expenses.
“We’ve always said that all providers of ground transportation should be held to the same standard,” said Gary Buffo, president of the non-profit National Limousine Association (Limo.org). “That applies to drivers’ benefits, too.”
And for those who think they’re immune to Uberization, don’t be so sure.
A Bloomberg columnist recounted the increased “buzz” around the idea of turning white-collar work, which traditionally commands higher paychecks, into less expensive services that can be summoned as easily as a town car.
“An Uber for legal advice seems like a pretty good idea,” she wrote.
(NewsUSA) – What would you do if you learned you had only one year left to live? A new novel from published author Blaize Nolynne explores this question from the perspective of a volunteer fire captain in River Falls, Maine. The novel, The Captain’s Last Year, Fighting Fire and Cancer, One Year to Live, depicts the reality of cancer and examines its impact on patients and their families.
The story centers on fire captain Steven Williams, whose doctors have given him one year to live after a diagnosis of stage IV stomach cancer. Steven starts with denial, but then he attempts to come to terms with his situation as treatments fail. His thoughts turn to how to make the most of his remaining year, and he grapples with a range of issues. Could he change his relationship with his son, Christopher, or improve the disrespectful attitudes that have become an epidemic in his community? Ms. Nolynne’s intent is to make readers consider what they would do if they learned they had one year left to live.
Fire and rescue services are the venues of many of Ms. Nolynne’s books, and she writes from personal experience. In an interview with a local newspaper, The Independent, she notes that her father was a volunteer fire captain with the fire department in Standish, Maine, and that she visited the department often as a child. Her paternal grandfather was a volunteer firefighter and a driver for the local rescue squad, and her great-grandfather served as a fireman in South Portland, Maine.
Another family member — Ms. Nolynne’s grandmother — also inspired the novel through her battle with terminal cancer.
Ms. Nolynne is honoring her grandmother and the firefighters in her family by assisting with the medical expenses of Jeff Douglass, a fire chief in Baldwin, Maine, who has stage four pancreatic cancer.
A portion of the proceeds from sales of The Captain’s Last Year, Fighting Fire and Cancer, One Year to Live will go to Team Jeff, Code 3 for a Cure, in addition to other firefighter cancer charities. Ms. Nolynne’s books are available at amazon.com, barnesandnoble.com and bam.com (Books A Million).
For more information about the book, visit www.ayresdelzariopublishinginc.com.