(NewsUSA) -  For young adults starting out, money management can be a challenge. You may be navigating rent, car payments, monthly bills, food and also student loans. Many young adults are looking to refinance student loans to combine multiple debts, maximize interest rates, bring down monthly payments, or pay off faster. There are many benefits to refinancing and many options for lenders that offer refinancing.     

Refinancing your student loans lets you take advantage of the best prices as rates change. Lantern, a loan comparison platform operated by digital personal finance company SoFi, lets you compare rates and find a plan that works for you. When looking to refinance student loans, borrowers should compare lenders and rates to find the best option for their situation. A few tips for anyone looking to refinance this year:     

- Use filters when comparing online. Make a smart decision on refinancing your student loans by comparing multiple options side- by-side using filter on financing options based on lowest or highest payment, lowest or highest APR, and lowest or highest term. The right refinancing strategy can help young adults save thousands of dollars over time.     

- Find advice, useful tips and information through curated financial articles and calculators, comparisons of lenders and products by expert journalists and reviews from others who have used these services to refinance student loans. You’ll also find financial recommendations based on your financial interests and current financial situation.     

Financially savvy young adults also are leading the way in adopting cryptocurrency as a way to generate income streams and invest in the future. The NFT marketplace is a growing opportunity, and those who are early adopters are exploring, collecting, and minting NFTs for profit. NFTs are bought in sold in trading platforms much like you would buy and trade crypto or stocks.     

Some bonus features of the NFT marketplace that appeal to young adults include the convenience of not have to connect to, or withdraw from, a bank account. The NFT marketplace allows users to pay for products via cryptocurrency without additional fees. The FTX exchange is connected to multiple cryptocurrency markets including Bitcoin, Ethereum and Solana.     

Keep these smart strategies in mind to make the most of your money now and to enjoy greater savings and profits in the future.

(NewsUSA) - Small business owners have special financial needs and opportunities. You must navigate unique tax benefits and responsibilities, cash flow analyses, business credit and debt management, succession planning and insurance needs, among other issues.     

It can be difficult to find the time -- and energy -- to research and make decisions about these financial issues on your own when you are already busy managing your business’s day-to-day operations. Working with a CERTIFIED FINANCIAL PLANNER™ professional can allow you to focus on your small business needs, while your trusted professional works for you to help you reach your financial goals. CFP® professionals are trained on many key financial topics that impact your personal success, business success and overall financial success.     

Here are four examples of how your small business can benefit from working with a financial planner.     

1. Protect yourself and your business. Financial risks multiply when you become a business owner. Operations could be interrupted because of a disaster, a key person on your team dies or becomes disabled, or property is lost. You could also face costly legal liabilities due to negligence or defective products. CFP® professionals can provide guidance on how to structure your business to mitigate some of these risks, as well as advice on specialized insurance coverage that provides extra protection.     

2. Create a tax plan that maximizes cash flow and minimizes your tax bill. CFP® professionals are trained and experienced in the nuances of tax law. They can help you take advantage of business structure, expense categories and tax credits to reduce your overall income tax.     

3. Establish a succession plan to guide the future sale or transfer of your business to the next generation of management. A CFP® professional can help you develop a strategic plan that covers the mechanics of an ownership change -- such as company valuation, tax implications and insurance issues -- and supports the transition’s long-term success.     

4. Achieve your retirement goals. A CFP® professional can help you determine which qualified or nonqualified retirement planning strategy best fits your needs and long-term goals. They can also help you confirm that your revenues and expenses are correctly recorded and benchmarked in accordance with the retirement plan you choose.     

Find a CFP® professional near you at LetsMakeAPlan.org. You can use the Small Business Planning and Business Succession Planning filters to locate professionals who offer planning services in these areas.     

A sound financial plan, developed with professional expertise, will help you lay the path to a successful future for you and your small business.

(NewsUSA) - Once upon a time, many people proposed to their significant other with grandma’s engagement ring. There’s something to be said for family tradition. However, whether or not you inherit a piece of heirloom jewelry, there’s something unique and personal about a modern, hand-made, custom engagement ring.     

“Bold and beautiful; modern and contemporary,” says the website of award-winning jewelry designer Cornelis Hollander.     The Scottsdale, Arizona-based company has four decades of awards and testimonials for its dramatic engagement ring designs inspired by the eye-catching geometry and clean lines of Art Deco style.       

“Our diamond rings are exceptional because they are made uniquely for the wearer, making them exclusive, memorable and personal. Your ring is the ultimate storyteller of your style and commitment,” according to Cornelis Hollander’s son, Walter Hollander, who inherited the company from his father.     The signature design collection of Cornelis Hollander includes styles for every taste.     

- Strong but sweet: The Burcht setting features an arc of pave diamonds that sits beneath a precious metal bridge holding a stunning center stone.     

- Clean and classic: The Een is a best-seller with its clean setting and timeless appeal.  Four elongated prongs showcase a center stone, with two additional diamonds on each side, plus a row of bead-set diamonds along the band.     

- Ultramodern and edgy: The Kader pushes the envelope of boldness in jewelry, perfect for those who embrace the unexpected. The ring features a thick channel that holds an off-center stone in a way that maximizes its brilliance.     

- Perfect fit: The Zwaar is “our boldest and most beautiful setting,” according to the company website. The square design can accommodate most gemstone shapes, and a center stone between two walls that allows the matching wedding band to slide through the middle for a unique piece that catches eyes and turns heads.     

For a truly personal touch, the Cornelis Hollander team can help you design your own unique engagement ring, and turn any vision into a reality. Any Cornelis Hollander designs can feature moissanite or diamond as the center stone. The company remains in the hands of the Hollander family, and all designs are manufactured by skilled craftsmen in their Scottsdale, Arizona, studio.     

Visit cornelishollander.com for more details and to explore a distinctive collection of handcrafted engagement ring designs. 

(NewsUSA) - Despite the documented success of the various COVID-19 vaccines in preventing serious illness and death across a range of ages, many people in the United States, especially in rural communities, remain hesitant to getting vaccinated.     

However, a new public service announcement focusing on love, respect, and humility is making inroads to encourage COVID-19 vaccination in rural communities. The GreenShoots Foundation, a nonpartisan organization dedicated to uplifting people across the social fabric of America, was launched in 2021 by Arkansas native and NYC-based financial services veteran Ted Huffman and his wife, Cheryl Huffman.     

The foundation’s inaugural project is a COVID-19 vaccine awareness campaign focused on rural communities. The “Please Consider Vaccination” campaign includes outreach on radio, TV, digital media, and social media.     

In the campaign’s signature video, a father in a rural community, travels from his farm to a church and then a school, where he sees children safely crossing the street under the supervision of a crossing guard. In the next shot, the father arrives at a local vaccination clinic and says, “Let’s do this.”     

The campaign was first launched in communities in Arkansas in November 2021 but has proven so successful that it has appeared in areas of Mississippi, Tennessee, Missouri, Oklahoma, Montana, Maryland, Wisconsin, Idaho, West Virginia, Ohio, South Carolina, Alaska, Michigan, Wyoming, Illinois, Tennessee, Utah, and Kentucky.     

In the three months after the release of the PSA campaign, Pulaski County, which contains Little Rock, Arkansas’s capital and largest city, saw an increase of 9% over similar markets in neighboring Mississippi without access to the PSA campaign. In fact, the areas without access to the campaign saw a drop in vaccination rates among the unvaccinated population during the same time period.     

“When you look at the success of this campaign, I believe it comes down to the representation of core human desires and needs, which are universal and apolitical, such as respect, health, and safety,” concludes Ted Huffman. ”We hope the word will continue to spread and encourage even more people to consider vaccination.”     

Looking ahead, the goals of The GreenShoots Foundation include shelter for the homeless, U.S. military veteran advocacy, and increased participation in the exercise of self-government.     View the video, titled “Life. Your Journey. Your Choice” at: https://www.youtube.com/watch?v=UXnZMKqLkfk     

For more information about the GreenShoots Foundation, visit thegreenshootsfoundation.org. 

(NewsUSA) - Marine Toys for Tots is the Nation’s flagship children’s Christmastime charity, but the Program offers more than holiday hope. Marine Toys for Tots has expanded its reach to help families in need throughout the year, and its support has  been more valuable than ever as many families struggle with inflation and continue to experience challenging circumstances.     

Marine Toys for Tots is conducting their third annual Christmas in July event -- part of the organization’s DoGoodNow initiative to bring educational toys, books, and games to children in need -- no matter what time of year they need a helping hand. The generosity of the American public allows Marine Toys for Tots to provide these gifts to children in need across the United States, as well as refill “Santa’s bag of toys” in preparation for what will likely be another busy holiday season.     

“We didn’t want to wait until the holidays to support families in need, so with help from our distribution partners at Good360, we are delivering another one million educational toys, books, and games throughout the spring and summer,” says LtGen Jim Laster, USMC (Retired), President & CEO of the Marine Toys for Tots Foundation.     

“Thanks to the generosity of the American public, we’re able to provide these gifts to children whose families are struggling to make ends meet. The primary goal of our Christmas in July campaign is to restock our inventory of toys, and we could use everyone’s help in preparing for a busy holiday season,” he emphasizes.     

“Donations made through our Christmas in July campaign will make an amazing difference for an underprivileged child.”     

The support and generosity of the American public makes an extraordinary impact on the lives of children in need. Earlier this summer, Agape Distribution, a local charity in Sidney, Ohio, hosted a distribution event for the families living in the area to receive the toys and gifts provided by Marine Toys for Tots. A total of 1,600 toys were distributed to 553 children whose families have been hit extremely hard due to the downturn of the local economy.     

The DoGoodNow initiative will continue to positively impact children in need in communities that face ongoing hardships because of the current economic situation. The emotional support offered to these communities is made possible by the kindness and generosity of Marine Toys for Tots supporters whose donations make a real and genuine difference to families in need.Visit toysfortots.org/ChristmasinJuly for more details or to make a donation. Be sure to follow Marine Toys for Tots on Facebook and Instagram to see how Toys for Tots is continuing to DoGoodNow and deliver a Summer of Smiles!

(NewsUSA) - One of your next vehicle’s most crucial safety features may not even be visible until you need it. A first-to-market product called “Breakthrough Lighting” offers consumers new ways to personalize and interact with their vehicles while helping improve safety through greater visibility.     

Global automotive supplier and mobility technology company Magna has developed the innovative lighting solution. It is featured on a thermoplastic liftgate known as Litgate. The lighting solution can be used communicatively or functionally -- and its “coolest” feature is arguably that it remains discreetly hidden until it needs to signal for something and illuminate. Compare that to today’s lighting elements, which are always visible on your car’s exterior, even when not in use.     

The sophisticated lighting offers unique designs and customizations using various patterns, colors and shapes, providing a creative way for car companies to re-brand and style the vehicles of the future.     

In addition to enabling more creative styling, Magna’s technology offers exciting opportunities with the rise of electric and autonomous vehicles.     

For example, the technology can light up the word “autonomous” to tell other drivers what mode your self-driving vehicle is operating in, or a battery symbol in red to conveniently notify you that your EV (electric vehicle) is running low on charge.     

The ability for communication outside of the vehicle becomes ever more important as autonomous vehicles proliferate.     

We’ve all experienced walking up to an intersection, and just as we start to cross the road, a vehicle approaches the corner intending to turn right, yet doesn’t signal. Cue the apologetic wave from the driver insisting the pedestrian cross.     

Today, this common situation is resolved by way of a simple hand gesture between two people, but imagine if that car were driving itself. How would the pedestrian know the car’s intentions and whether it was safe to step into the street?     

As our society gets closer to integrating fully autonomous vehicles to our roadways, miscommunicated intentions can result in severe accidents on the road -- especially for those on foot.     

In 2020, nearly one in six traffic deaths was a pedestrian death, with 77% of pedestrian fatalities occurring after dark. Seeing and being seen are critical to helping all road users avoid tragic crashes.     

Through clearer communicating and signaling between drivers and others on the road such as pedestrians, bicyclists and e-scooter riders, Breakthrough Lighting reinvents the function of your vehicle’s exterior lighting, while enhancing its overall appearance.     

Magna has the unmatched ability to imagine and develop automotive technologies under one roof, and continues to leverage its in-house engineering power to address real-world transportation challenges to help make roads safer places for all.

(NewsUSA) -  

“Slay the Dragon”
by William McGinnis       

A police officer is brutally murdered in a “mostly peaceful” Oakland protest. City hall shuts down any serious investigation. Ex-Navy SEAL Adam Weldon and his cop buddy, BC take up the search for the killers only to find themselves hunted, outmatched and at risk of being killed at any moment.  

As they fight for their lives, they discover the murder is part of a relentless, 40-year, “unrestricted warfare” assault on America by an implacable, seemingly all-powerful foe -- a sovereign state with vast resources determined to bring America to its knees and to become itself the dominant power.

Can Adam and his team survive? To find out, plunge headlong into this rousing, upbeat, rip-roaring Adam Weldon thriller by award-winning author William McGinnis.

Purchase at https://amzn.to/3xUzi3l.

“The Wrong Kind of Woman”
by Sarah McCraw Crow  

A powerful exploration of what a woman can be when what she should be is no longer an option.  

In late 1970, Oliver Desmarais drops dead while hanging Christmas lights. In the year that follows, his widow, Virginia, struggles to find her place on the campus of the elite Clarendon College where Oliver was a professor. While Virginia had always shared her husband’s prejudices against the four outspoken, never-married women on the faculty, she now finds herself depending on them.  

Soon, though, reports of violent protests across the country reach the campus, stirring tensions. As authorities attempt to tamp down “radical elements,” Virginia must decide whether she’s willing to put herself and her family at risk for a cause that had never felt like her own.

Purchase at https://amzn.to/3rt7Y8x.

“From the Flood”
by Suzanne Jones  

The true story of a devastating flood that destroys six-year-old Suzie Jones’s house and calls into question everything she thought she knew about home, family, and God.  

It’s the summer of 1972, when six-year-old Suzie Jones and her siblings are whisked away from their home in the middle of the night, never to return again. Hurricane Agnes has triggered a devastating flood that destroys the family home and business. Suzie and her family are then set on an exhausting four-year journey to build back their lives.

This tale of loss, love, and discovery is at times laugh-out-loud funny, at others deeply poignant, and chock full of 1970s nostalgia. The book teaches us that even the most difficult life circumstances provide unexpected gifts.

Purchase at https://amzn.to/3n4BgaU.

“Liberty”
by Dyanna Morrison  

“Liberty” is a must read for every American concerned about the senseless proliferation of gun violence and mass shootings in the United States!  

Few issues merit as much debate in the 21st century as Second Amendment rights and gun control versus gun rights issues. “Liberty,” the second play in this trilogy, shines a spotlight on Second Amendment abuses/protections, with our founding fathers witnessing the hypothetical trial of the President of the National Rifle Association through a one-way window in the courtroom.  

The proceedings are interspersed with the rationale our framers used in penning the Second Amendment, questioning its applicable use as a defense for military assault style rifles commonly used in mass shootings, that are so easy to purchase. “Liberty” is a Book Excellence/International Book Award Finalist.

Purchase at https://amzn.to/3zkRpAh.

NOTE: BookBites is presented by BookTrib.com.

(NewsUSA) - As the world reopens, savvy travelers want to make the most of every opportunity for unique and indulgent experiences.     

Today, seekers of luxury adventure travel may include singles, couples, retirees and families.     

Some people want to plan the ultimate destination wedding, others are looking for the ultimate golf outing.     

Whether they are celebrating a milestone event or just want to enjoy an unforgettable adventure, travelers have high expectations.     

Companies such as Adventure Travel 365 fill this niche by curating and selecting the top destinations, cultural experiences and adventures for their clients.     When seeking a top-notch travel service, look for features that will make your travel:     

• Easy. Booking with a company that specializes in luxury travel means that all you have to do is pack and go, knowing that your destinations have been selected, verified and approved by experts in the field.     

• Unique. The right luxury travel company has the resources to offer exclusive opportunities that fit your interests, whether it is extreme mountain sports, indulgent spas or whatever else you had in mind.     

• Incredible. Top-notch luxury travel companies have done their research and identified amazing experiences that will stay with you for a lifetime.     

Adventure Travel 365 is a company created to meet the needs of modern adventure travelers. It provides clients with all the information needed to plan the ultimate luxury vacation. Its luxury adventure magazine, “Explore Luxury,” is published digitally each month, with a yearly print edition. The digital and print versions showcase stories and photos of the world’s most prestigious resorts, and hotels, along with a range of activities, spas and restaurants to suit any taste and appeal to any interest.     

The company’s 365 Excellence Award is given to only the top-tier travel destinations and signifies that its staff writers, editors or influencers have visited these properties and confirmed that they meet the highest standards for luxury adventure travel.     

The company’s website stays current with the latest articles, reviews and listings of the most luxurious vacation properties and activities in top destinations worldwide. Options range from exotic luxury safaris, amazing theme park adventures, must-see cultural attractions, blissful spa retreats, and extreme (or not so extreme) outdoor pursuits.     

Nominations are ongoing for this year’s 365 Excellence Award, and travelers can stay tuned to the Adventure Travel 365 website and subscribe to “Explore Luxury” magazine for the latest. The awardees will be the best of the best in luxury travel.     

Visit adventuretravel365.com for more information. For additional details and photos, visit Instagram https://instagram.com/adventuretravel365 and Facebook https://www.facebook.com/goadventuretravel365.

(NewsUSA) -  

By Scott Greenwell, PharmD,
Humana Pharmacy Solutions

Did you know you may have the option to have medications mailed directly to your home? If you ask your health care provider about prescription home delivery through a mail order pharmacy, they can send your script to the mail order pharmacy that is in-network with your health plan, and your medications will arrive at your home, safely and securely. If your plan has a preferred cost-share mail order pharmacy, then you may even save money on certain prescriptions.     

Consider the following tips to ensure you get the most out of prescription home delivery:     

• Get a 90-Day Supply: Many medications will allow for a 90-day supply, resulting in fewer refills and may result in cost savings for you.     

• Sign-up for Auto Refill: Many pharmacies, such as CenterWell Pharmacy (formerly known as Humana Pharmacy), will automatically deliver your next refill right to your door! If auto refill is not for you, sign up for emails, calls or text message alerts so you’ll receive a notification when it’s time for a refill.     

• Compare the Costs: Check to see if your plan offers a service which suggests alternative medications at lower costs.     

• Build a Personalized Medication List: Seeing multiple doctors usually means having several medications. Leverage your pharmacy or plan’s app or website to maintain a single, complete list of all your prescriptions to help avoid adverse reactions.     

• Ask About Additional Support: If you have a chronic condition, a specialty pharmacy can provide personalized resources. For example, CenterWell Specialty Pharmacy (formerly Humana Specialty Pharmacy) offers cancer patients the Cancer Center of Excellence -- a dedicated team of specialty pharmacists who can help answer questions, remove barriers to care, collaborate with health care teams on unique treatment plans and more -- while also delivering medications safely and securely to your home.   

With people in their 60s taking an average of 15 prescription drugs a year, prescription home delivery by mail can be beneficial for seniors. If you’re enrolled in a Medicare Advantage plan that offers prescription drug coverage, like most Humana Medicare Advantage plans, or a Part D Plan, check to see whether the plan includes prescription mail order delivery pharmacies in the network.     

For more information about plans that include prescription mail order delivery pharmacies in their networks, you can call 1-800-MEDICARE (800-633-4227), 24 hours a day, 7 days a week, or go to Medicare.gov.     

To learn about Humana’s Medicare Advantage plans, visit www.Humana.com/Medicare or call 1-800-213-5286 (TTY: 711) to speak with a licensed sales agent from 8 a.m. to 8 p.m. local time, seven days a week. Additional Information: Humana is a Medicare Advantage HMO, HMO SNP, PPO, PPO SNP and PFFS organization and a stand-alone PDP prescription drug plan with a Medicare contract. Enrollment in any Humana plan depends on contract renewal.

Scott Greenwell, PharmD., is President of Humana Pharmacy Solutions, where he oversees the health plan’s pharmacy solutions. He is based in Louisville, KY. Y0040_GCHLPSGEN_M