Ah, the familiar refrain that has stood the test of time and one that sends most parents cringing while taking a family road trip.

As the summer of 2018 kicks off, consider this: 68 percent of Americans are likely to go on vacation, and 85 percent of them will travel by car, based on data from a recent online survey of approximately 1,500 adults.

While aspects of a road trip may be daunting, a majority of these travelers acknowledge that getting there is half the fun: 24 percent strongly agree, and 45 percent somewhat agree that getting to a vacation spot is often as enjoyable as being there.

If you've ever wondered what goes on inside the car during a road trip, read on.

A survey conducted by NACS, a trade association representing the convenience-store industry, reveals that most passengers want to be social: just over 60 percent report that they enjoy talking with fellow passengers and almost 80 percent cite listening together to music, podcasts, or audio books as favorite activities.

However, when it's time to take a break, disagreements can arise, especially when it comes to meals and snacks. A convenience-store stop can be a simple solution.

Today's convenience stores offer more than just gas and restrooms. Many serve a range of hot-meal options such as pizza and burgers, as well as customizable sandwiches, coffee, drinks, and smoothies, so passengers and drivers of every age and taste can find something to satisfy them.

The NACS survey results show that the top three reasons for breaks during summer road trips are to:

* Use the bathroom (96 percent).

* Get gas (95 percent).

* Buy food or drinks (91 percent).

"There's only one place that can satisfy all three of the top reasons for stopping during a road trip: a convenience store," says Jeff Lenard, NACS vice president of strategic industry initiatives.

"From restrooms and fuel pumps to indulgent snacks and healthy options, you can stop once and make everyone happy. And that can certainly make a road trip more fun."

However, regular breaks are an important part of road trips for safety as well as for practical reasons.

Drivers need a quick and easy place to stand up and stretch, or to allow someone else to take the wheel. Kids get antsy and need to stretch, too - according to the NACS survey, approximately 45 percent of the in-car disagreements during road trips center on children fidgeting or arguing.

Convenience stores provide all the services needed for long or short road-trip breaks in a safe, predictable environment.

Many convenience stores offer easy access from major roads, so there's no struggle or lost time navigating to an unknown spot without any sense of the services available. Convenience stores offer clean, well-lit rest stops for single drivers, groups of friends, older adults, and families with children.

Visit convenience.org/ more for additional information about what convenience stores offer and how they can help make summer road trips smooth, safe, and enjoyable.

That's according to Fidelity Investments' latest biennial Retirement Savings Assessment study, which - while mostly upbeat - also makes clear that all too many of those surveyed remain "at risk" of not being able to fully cover essential expenses in retirement if they don't turn things around.

Specifically, after totaling up the assets of the 25- to 74-year-old respondents earning at least $20,000 annually - and that included current or expected Social Security benefits - Fidelity estimated that the typical saver is on track to have 80 percent of the income he or she will need to cover retirement costs. That's the highest it's been since the study was first conducted in 2005, when the same figure was 62 percent and people were just beginning to know the joys of watching videos of cats performing weird tricks.

"It's a significant improvement," says Ken Hevert, Fidelity's senior vice president of retirement, who attributed the rise to both a higher median savings rate compared to 2006 (8.8 percent vs. 3.6 percent) and better portfolio asset allocation.

Even more comprehensively, four color-coded categories were used to show where households fell on a retirement preparedness spectrum based on their ability to handle estimated expenses in a down market:

* Dark Green Thirty-two percent were on target to cover more than 95 percent of their freight (up 1 percent from 2016).

* Green. Eighteen percent were looking good as far as essentials go, but not discretionary items like travel and entertainment (down 1 percent from 2016).

* Yellow. Twenty-two percent were off track, with "modest adjustments" likely required to their planned lifestyles (down 1 percent from 2016).

* Red. Twenty-eight percent definitely "need attention," to put it kindly (up 1 percent from 2016).

Perhaps the biggest surprise in the study had to do with Millennials.

For the first time ever, those born between 1981 and 1992 surpassed the older Generation X in Fidelity's unique cross-generations scorecard. The latter are on track to have 78 percent of the retirement income they'll need, while the former lags behind by 1 percent - though that's presumably after many of them dipped into their own savings to pay the college tuitions of their Millennial offspring. "Millennials are clearly putting money aside for retirement and taking more control of their personal situations," says Hevert.

And Baby Boomers? Collectively, they're in the best position of all, especially those Baby Boomers with increasingly rare pensions, and are on course to have set aside 86 percent of the money they'll need.

For those curious where they stand, Fidelity allows anyone to access their retirement score online. And if you really want a cushiony retirement, keep in mind that you could have 108 percent of what you'll need by embracing all three of the following "accelerators": saving at least 15 percent of your income yearly; ensuring an age-appropriate asset mix; and deferring Social Security benefits till at least 66 or 67.

"While these actions taken separately are clearly helpful," says Hevert, "doing all three could help bring you from good to great."

Imagine getting paid just to post on Instagram about brands and local businesses you are interested in.

Quantum Sponsor is the platform that's making it happen. Unlike traditional talent agencies, Quantum Sponsor doesn't require you to have millions of followers to participate - even a couple of hundred is just fine!

Now, Aunt Suzie, who just started Instagram last month, can make money posting about her favorite new Clutch Coffee shop that opened down the street, and so can you.

Both small businesses and Fortune 500 companies alike are using Quantum Sponsor to pay everyday Instagram users for posts.

Most consumers today are overwhelmed by and tired of banner-style and traditional ads; they want to learn about products from other trusted consumers who are willing to share their interests and expertise.

Quantum Sponsor's new advertising platform pairs enthusiastic Instagrammers with clients who will hire them for paid promotions. Best of all, Quantum Sponsor is easy for both the Instagrammers and businesses.

"We want to give social media users the opportunity to earn money for the content they've created and the influence they've earned. So we made it easy. In doing so, we also created an effective, cost- saving tool for digital advertisers across all industries," says AJ Silverman, founder and CEO of Quantum Sponsor.

Working with Quantum Sponsor streamlines the process of influencer selection, sponsorship, and payments.

Here's how it works: Instagrammers sign up as influencers on the Quantum Sponsor website. The website will tell them exactly how much money they'll make for posts based on how engaged their followers are. Quantum Sponsor reviews and categorizes all influencers by audience interests, location, gender, and brand safety.

Advertisers sign up as "sponsors," and create campaigns directly on the Quantum Sponsor platform, which will automatically send out email alerts and offers to influencers who match with the advertiser's target audience.

Influencers post and complete offers by leaving posts active for a minimum of seven days. Once offers are completed, influencers can withdraw their earnings with PayPal. Influencers can increase their earnings by posting interesting, engaging content but need to eliminate cruel or violent language in order to receive offers.

Quantum Sponsor recognizes that digital influencers are the future of marketing, the new darlings of the Internet, and that advertisers who want social media followers, depend on them. This creates an opportunity for influencers to cash in while building their own personal brands - just by doing the things they love.

Whether it's sewing, surfing, or skin care, there is a potential marketing campaign to fit any interest.

For more information on how to become an influencer and get paid to post, visit www.quantumsponsor.com.

To view the video, click here.

It's the seventh annual National School Choice Week, a nonpartisan, nonpolitical awareness event that has grown considerably every year - it's up from 21,000 last year and 150 events in its first year.

So who are the people leading the celebrations?

Some are parents who put themselves in the driver's seat of their children's education. They considered their children's unique needs, learning styles, and interests. They looked at the available options - traditional public schools, public charter schools, public magnet schools, private schools, homeschooling, online schools, or a combination of these options - and chose the education environments they considered best for their children.

Some tracked down publicly or privately funded scholarships; others checked waitlists; and many others decided that their local school was, in fact, the best fit for their children.

Some event organizers are teachers and school leaders, happy to be playing such a crucial role in the education and development of children across America. Different schools offer different curricula, different approaches to education, different perspectives - and this diversity is worth celebrating. Every child is unique; every family is unique. Children who are excited about violin or Mandarin, children who need an extra lift in a particular area, children who thrive in traditional classrooms and children who don't - everyone should be given an opportunity to excel in whatever way best suits them. And great teachers and school leaders are an essential part of that excellence.

Some events are planned by community leaders hoping to help even more children have the opportunity to reach their full academic potential by creating new paths and raising awareness about the importance of continually expanding access to effective education options for children and families.

The participants in National School Choice Week may all be different, with unique perspectives, backgrounds, and stories. But they all believe one thing: that every child, given the right environment, can succeed. No matter what school your family has chosen, National School Choice Week provides an opportunity to celebrate students and the hope of a bright future for our whole nation.

Scuba diving might not be the first therapy that comes to mind to help these individuals, but data support the value of scuba diving for improving the physical and mental health of people suffering from conditions including post-traumatic stress disorder, traumatic brain injury, and chronic pain.

Diveheart, a nonprofit organization founded in 2001, provides adaptive scuba training to volunteer divers and instructors, and offers unique opportunities in zero gravity to veterans and others with a variety of disabilities. The Diveheart motto, "Imagine the Possibilities," reflects the positive attitude of the organization and the hope and healing it offers.

A subset of the organization, Diveheart Military Wounded focuses specifically on introducing veterans with physical and mental disabilities to the benefits of scuba therapy.

On the physical side, scientific research and the personal experiences of veterans show that water pressure and the feeling of weightlessness can relieve physical and mental tension as well as chronic pain.

"The weightlessness kind of helps my body release itself," says Coast Guard veteran Kevin Cozzie in an interview with the Daily Herald, a publication based in suburban Chicago. "I can feel it when I get out of the water."

Ian James Brown, an Air Force veteran who was injured in the line of duty, returned to scuba diving after his injury through a Diveheart program.

"I discovered scuba again," he says in an interview on the Diveheart website, diveheart.org. "I was able to integrate skills I thought I had lost," such as the regulation of breathing and balance, he says. "It made me challenge myself a bit more."

Mr. Brown, who suffers from chronic neurospinal pain but has chosen to forego medication, "felt this euphoric feeling," and realized that he was "living pain-free for the first time in 11 years," during an extended dive in Cozumel.

The mental health benefits of scuba diving are as valuable as the physical. Veterans who have participated in Diveheart programs report that learning new skills, gaining confidence, and bonding with other veterans who have experienced similar challenges create a sense of community and empowerment.

For many disabled veterans, scuba diving helps them realize the possibilities rather than focus on their limitations, according to Diveheart founder Jim Elliott.

Diveheart relies on volunteers and donations to help provide adaptive diving and scuba therapy experiences at no cost to participants.

Visit diveheart.org for more information about the way scuba diving can change veterans' lives.

As a new boating season gets underway, boat owners should know the basics of different types of insurance coverage, review their current plan, and be sure they have the one that best meets their needs.

Some key areas of coverage to consider this season include:

- Salvage savvy. No one wants to lose a boat, but if the worst happens, don't assume salvage is part of your insurance policy.

According to the Boat Owners Association of The United States (BoatUS), some boat insurers will subtract the cost of salvage from the boat's insured value. That means owners receive reduced funds for repairs, or less money back if the boat is a total loss. So seek out a policy that offers salvage coverage separate, but equal to the hull-value coverage.

- Consequential concerns. Consequential damage is a tricky area of boat insurance. Data from BoatUS indicate that about half of all sinkings occur when the boat is docked and a small part below the waterline fails, often as a result of wear and tear, corrosion, or inadequate maintenance.

An insurance policy may not cover the failed part, but ensure that it covers "consequential damage," such as major repairs or the cost of the boat in cases of total loss in the wake of a failed part.

This consequential damage coverage generally only applies to major or total losses. It's typical, for example, to cover the immediate consequential damage resulting from any sinking, fire, explosion, demasting, collision or stranding.

- Rescue review. On-water towing assistance is an element of some boat insurance policies, but understand what type is right for your needs.

If you have only one boat, ask your insurance company whether it offers a towing service. Some companies, such as BoatUS, have their own towing fleet. Important questions for your insurance company: Who is providing the towing service, if not their own fleet? Is there 24-hour service? Will you have to pay out of pocket and seek reimbursement?

For more tips and information to optimize your boat insurance, visit BoatUS.com/insurance for quotes or contact marine insurance specialists at 800-283-2883.

During National School Choice Week, schools of every type - traditional public, charter, magnet, online, and private - will join homeschool groups to celebrate the things that make their education environments unique and effective.

As a nonpartisan awareness effort, National School Choice Week provides an opportunity to bring conversations about education out from the political sphere and to the kitchen tables and living rooms of parents in communities across America.

This is important because, even though education is a matter of public policy, it is also deeply personal.

At its core, school choice affirms the special bond between parents and children. School choice empowers parents to turn the love and concern they have for their children into action. It encourages them to talk to their children and make decisions together about what schooling environments fit the talents, interests, and challenges that are unique to every student. And it recognizes that while one school might be a good fit for some students, it isn't necessarily a good fit for every child.

By exercising school choice options, parents who want their children to learn Mandarin can send them to a school where they will learn Mandarin; parents who believe their kids need a lot of time outdoors or who want to affirm their faith tradition can follow that path; parents who didn't go to college but want their kids to have that opportunity can find a college prep choice.

Parents choose schools for a variety of reasons. For example, a survey of Indiana parents found that parents considered factors such as academics, morality, social skills, diversity, college preparation, an appreciation for nature, patriotism, the ability to enter the job force without a college degree, and an opportunity to learn another language.

These choices reflect the diversity and individualism of our great country, and they should be respected and celebrated. After all, no matter where we fall on the political spectrum, we all share the same goal: to unlock the potential for success and happiness in every child through a great education tailored to who they are and who they want to be.

Enter the AngelPay Foundation, a nonprofit payment processing company. The AngelPay team originally invented the first secure, scalable, and reliable Internet payment processing platform called Authorize.Net back in 1996.

Today, they provide the same tools and service, but they believe operating as a nonprofit helps to restore trust and integrity to the industry. It also gives the team an opportunity to give back to the merchant community that has been good to them over the years.

"Over the past couple decades, we've seen a lot of companies resort to shady tactics to satisfy shareholder demands. If you're operating as an aggressive for-profit company in this industry, there are just too many temptations to exploit your customers," says Ferris Eanfar, AngelPay's CEO.

"The credit card payment processing industry has not always treated merchants fairly, and we realized we could do something about that," says Jeff Knowles, AngelPay's CTO.

Payment processing can be a challenge for businesses large and small, nonprofits, and artists who need to accept credit cards. AngelPay recognizes that many merchants feel exploited by their existing payment processors, but they don't know where to go.

To this end, AngelPay believes that merchants can benefit from its payment processing program for the following reasons:

A Solution for Merchant Pain. AngelPay developed their "Pay-What-You-Can" pricing structure and "Emergency Contract Triage" program. "The Triage program started out as a way to add a little levity to the lives of our merchants, but we've been surprised at how many merchants have taken it seriously," says Eanfar. The programs help merchants manage their costs more effectively, in addition to revealing how they're being exploited by other payment processors.

Simplicity. One of the things that differentiates AngelPay from other payment processors is the simplicity of its fees and nonprofit cost structure. Anybody who has ever implemented credit card processing for their company knows that the complex fees of most processors can be frustrating.

Proven Experience. AngelPay was launched several years ago after the team sold Authorize.Net, but AngelPay has grown quickly and its mission - "Return wealth and power to the creators of value" - seems to be resonating with the merchant community. Given the cost advantages, it makes sense that merchants would choose a veteran team operating as a nonprofit provider over more aggressive financial companies that may not have their customers' best interests at heart.

To learn more about AngelPay, visit: https://AngelPayHQ.org

The weightlessness of a water environment allows individuals with a range of injuries or disabilities to exercise, relax, have fun, and gain confidence. Children and adults with challenges including traumatic brain injuries, amputation, spinal cord injuries, cerebral palsy, and blindness can enjoy the physical and psychological benefits of scuba diving.

Diveheart, a nonprofit organization founded in 2001, trains thousands of volunteers and works with injured and disabled individuals across the world, in areas including the United States, Mexico,UK, Malaysia, Israel, Philippines and the Caribbean.

As Darrell Young, a Vietnam veteran who is paraplegic as the result of a spinal cord injury, explains in a testimonial on the Diveheart website, "Diving gives me a high expectancy of myself. It gives me a goal to accomplish knowing that when it comes to the finish line it doesn't matter how I finish my dive, but the feeling of strength I gain from diving," he says.

Diveheart relies on volunteers and donations to help provide adaptive diving and scuba therapy experiences at no cost to the participants. Most of the initial training and first diving experiences occur in school or community pools. Participants don't even need to know how to swim to benefit from therapeutic scuba diving, and the learning curve is almost immediate, according to Diveheart's website details.

Diveheart works to spread the word that diving is a real option with many benefits for the individuals affected with injuries and for the volunteers who get involved as "dive buddies." The basic experience of being in the water with the support of a trained "dive buddy" can relieve pain, improve focus, and bring joy, according to Diveheart participants.

Diveheart also provides adaptive dive training for those who want to take the next step and become adaptive divers or dive buddies to help others.

Most Diveheart participants are eager for destination scuba-diving adventures once individuals are trained and comfortable with the scuba experience. Diveheart offers opportunities for fundraising and also works to find grants for those who struggle with the cost of a dive getaway.

In addition, Diveheart works with the science and medical communities to provide data and research opportunities on the benefits of therapeutic scuba diving for a range of medical conditions.

For more information on participating, volunteering, or donating, visit diveheart.org.

National School Choice Week 2018 begins on January 21, shining a positive spotlight on traditional public schools, public charter schools, public magnet schools, private schools, online academies, and homeschooling.

The goal is simple: to let parents know that they have choices when it comes to their children's education, and to celebrate the many different and effective education options available for students.

For almost every parent in America, there are ways to get involved in this positive, inspirational week.

If you are looking to find a new school for your child and want to know how to start the process, use the Week as a time to research your options. Download a free school choice guide for your state at  schoolchoiceweek.com/mystate.

If you want to learn more about the different schools and education environments in your area, consider using the week to attend a special event. More than 32,000 are being planned during National School Choice Week - everything from information sessions, school fairs, and open houses, to rallies. Find an event in your community by visiting  schoolchoiceweek.com/map.

If you are happy with the choices you have made for your child's education, take time during National School Choice Week to thank a teacher or school leader, or to brag about your child's school in a letter to the editor of your local newspaper. You can also share your story with us at schoolchoiceweek.com/share.

If you think that your community or state needs more educational choices for children, use National School Choice Week to speak up and make your opinion known.

Making a difference is easier than it sounds. All it takes is starting one conversation.

You can start that conversation on social media (using #schoolchoice in your posts), or by talking with a friend, coworker, or member of your family.

"Did you know that this is National School Choice Week?" is a good question to get the discussion going.

When more Americans talk about opportunity in education, more parents will discover the options available for their children's education. That means that more children will have the chance of being matched with schools that meet their unique talents, challenges, needs, and interests.

This National School Choice Week, all that it takes is one conversation to brighten the future of a family. Will you start one?