Local Community Newspapers Go Digital

Five words or less(NewsUSA) – Small, local newspapers have been valued community resources across the United States for approximately 200 years, but many have faced challenges from increasing costs and difficulty keeping up with the latest technology. However, one form of new technology can help these papers survive. A specifically designed platform can help small community papers contribute to their survival by capitalizing on mobile revenue options.
HubCiti, a digital platform and services company based in Austin, Texas, has developed a digital platform specifically for the local newspaper industry, to help local papers maximize new digital revenue opportunities.
HubCiti works by providing newspaper publishers with the tools to leverage customer loyalty into increased use of mobile technology and the mobile revenue opportunities that go with it.
Local newspapers can use the mobile platform to connect and forge relationships with both consumers and advertisers. HubCiti provides not only overall development of the mobile platform, but also implementation of the technology and ongoing management.
“Today the newspaper industry is challenged with deciding what digital revenue streams make sense for them,” says Peggy Merian, CMO of HubCiti. “The digital landscape is ever-changing and staying on top of what to offer is often a struggle,” she says.
“Once you decide on the products, the next challenge is finding and retaining the right people or team of people who can execute the programs that drive business — and that can be difficult. That’s where HubCiti comes in,” she adds.
Digital platforms such as HubCiti offer boundary-less opportunities for local business owners far beyond a phone directory-style print listing in a newspaper. Mobile community papers can offer businesses options such as purchasing keywords, adding videos, and creating smart coupons that can be applied in real time. And schools and local Chamber of Commerce offices can also benefit from a connection to a local Hubciti platform.
According to the HubCiti website, the platform “acts like a hub, connecting to all sectors of commerce, business, tourism and people. By centralizing all community and business information, residents can easily find what’s relevant to them — news, weather, low gas prices, local shops, restaurants, nightlife, events, city services, and more.”
The app allows local papers to become “the one-stop shop for mobile, social and online promotional advertising coordinated across all channels.”
Visit hubciti.com for more details and resources about maximizing digital growth and revenue at the local level.

Deciding What to Do With Your Old 401(k)

Five words or less(NewsUSA) – Just started a new job with an employer who thinks you’re as visionary as Steve Jobs? Or maybe you’re between gigs and “exploring other opportunities.” Either way, you need to decide what to do with your old 401(k).
It’s been estimated that there are about 15 million such accounts left behind by former employees, mainly because of either inertia or plain confusion over strict rules for moving the money. And since the IRS doesn’t allow procrastinating on a key decision — if you withdraw even a dime, you’ve got just 60 days to reallocate into a different tax-advantaged account — here’s a rundown of your options to avoid what could be a costly mistake:
* Option No. 1: Cash Out
Unless you’re in dire financial straits and really, really need the bucks to live off, the consensus is this is a bad idea.
“Cashing out comes with an immediate price, both in terms of giving up potential future gains in your portfolio and in the IRS taxes the company handling your 401(k) for your former employer is legally obliged to withhold,” explains Nupur Bahal, vice president for retirement at Fidelity Investments. “That’s money you won’t have for retirement.”
Yes, the government must have its cut. Specifically, 20 percent in federal income taxes, 10 percent in an “early-withdrawal penalty” for those under age 59?, and — wait, we’re not done yet — whatever additional percentage your individual state may or may not assess.
Translating that into real money, Fidelity’s website (fidelity.com) uses the hypothetical example of a 36-year-old who decides to cash out the $16,000 balance in her account. After deducting just the federal taxes and penalties, she’d be left with only $11,200.
Feel free to imagine how much you’d be out if your account is fatter.
* Option No. 2: Move the Money to Your New Employer’s Plan
Doing what’s called a “rollover” is an easy way to keep your 401(k) savings together and growing tax-deferred.
But bear in mind: Investment options vary from plan to plan — as do fees. (And not all employers even accept rollovers.)
Which means you might want to do some comparison shopping before committing.
* Option No. 3: Move the Money Into an IRA
As with the previous rollover, you get to avoid the tax bite of cashing out. The difference here, though -; and these could be major plusses — is that not only do IRAs offer more investment choices than the typical 401(k), but you’re also able to make penalty-free withdrawals for qualified education expenses or up to $10,000 for a first-time home purchase.
“Especially if you already have other, non-401(k) accounts elsewhere, it may be simpler and more effective to consolidate everything under one roof,” says Bahal.
* Option No. 4: Leave It With Your Ex-Employer
Penalty-free withdrawals are allowed for those who leave their jobs at age 55 or older — as opposed to 59? for IRAs — and unique investment options might warrant just letting things ride. But some people forget the account exists with the passage of time — no, really — and further contributions are verboten.
Whatever you decide, remember the clock is definitely ticking for you to contact your old 401(k) administrator should you choose to withdraw even that one dime.

Noodles to the Rescue: Make Dinner In a Snap

Five words or less(NewsUSA) – It used to be that families sat down at the dinner table and ate their evening meal together. These days, parents are juggling work and home, while running kids to and from various activities. Because of all of these demands, it can be a struggle to find a recipe solution that meets your needs.
You want to provide a wholesome, flavorful, home-cooked meal, but really, who has the time?
Fortunately, there are alternatives that can make you feel good about what you’re serving, which is not too time-consuming to make.
The following one-pot prep meal is made with the smooth, firm texture of No Yolks noodles, the number-one brand of noodles in the US and Canada. Created in 1976, No Yolks noodles are the healthier alternative to regular egg noodles. They’re made with egg whites, so they have no cholesterol and you can feel good about serving them.

What New Year’s Resolution Do You Really Want to Stick To?

(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. 

Abordar El Hielo y La Nieve desde El Suelo Hasta

(NewsUSA) – Caminar en un país de las maravillas del invierno puede inspirar sensaciones cálidas, pero conducir en invierno tiene el efecto contrario. Conducir en invierno puede ser un reto, pero mantener su coche correctamente sujeto significa un largo camino hacia la paz de la mente cuando el clima de invierno golpea. La conducción invernal segura comienza donde el caucho se encuentra con la carretera, en los neumáticos.Un neumático diseñado para funcionar en condiciones de invierno puede ayudar a los conductores a sentirse más seguros y confiados. El neumático Michelin X-Ice Xi3, es un neumático diseñado para hacer frente a carreteras heladas y condiciones de manejo potencialmente peligrosas.Según Ed Gliss, piloto de pruebas y experto técnico de Michelin, los neumáticos de todas las estaciones son una apuesta segura para condiciones inferiores a 40 grados Fahrenheit, pero "una vez que las temperaturas llegan al punto de congelación, y más bajas, considere los neumáticos de invierno, que proporcionan una tracción superior para el manejo en carreteras nevadas y heladas".Al equipar su coche con neumáticos de invierno, es importante considerar y entender qué características del neumático generan el agarre de tracción y manejo para navegar con confianza en las condiciones de invierno.–Huella: Cuanto mayor sea el número de bloques de la huella en un neumático, mejor será su rendimiento, con el aumento de la capacidad del neumático para agarrar la carretera bajo el hielo, en condiciones de nieve. El X-Ice Xi3 de Michelin está diseñado con un aumento del 15 por ciento en el borde mordaz para un agarre confiable.–Huella de compuesto de goma: la química juega un papel importante en el desarrollo de los neumáticos más seguros posibles para las condiciones de conducción en invierno. Un compuesto de sílice, como el Michelin Flex-Ice, puede ayudar a mantener la flexibilidad de los neumáticos en temperaturas por debajo de la temperatura de congelación, lo que contribuye a un rendimiento más fiable de los neumáticos en las carreteras cubiertas de hielo o nieve. La sílice también mantiene la firmeza de un neumático cuando las temperaturas son moderadas, lo que mejora el agarre y el desgaste de los neumáticos.Independientemente de si tiene neumáticos de invierno, no olvide verificar regularmente la presión de sus neumáticos para ayudar a asegurar su rendimiento óptimo. Los controles de presión regulares son especialmente importantes durante los meses de invierno, ya que los neumáticos pierden presión a medida que baja la temperatura. Otros consejos para una conducción segura en invierno incluyen la comprobación del estado de las escobillas del limpiaparabrisas y los niveles de líquido, y la comprobación de los faros y luces de freno para asegurarse de que sean totalmente funcionales.Para obtener más consejos sobre el cuidado del coche en invierno, visite www.MichelinMedia.com 

How Millennials Are Saving More Money Than Past Generations

(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. 

Gran promesa latina lanza línea de moda para el Mes de la Herencia Hispana

Five words or less(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.

Power Down the AC on National Ceiling Fan Day

Five words or less(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.

Preparing 21st Century Enterprises for Success in the Digital Age

Five words or less(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.

El Regalo Ideal Para Cualquier Etapa De Tu Relación

Five words or less(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.