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6 Steps to Help Teens Plan Financially for the Future

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Financially Prepared Teens

(Family Features) For teenagers, retirement may seem like a lifetime away, but it’s never too early to start saving for the future. Because financial habits can be created at a young age, the sooner kids begin to save and learn about investing, the less likely they’ll face worries about money when they eventually stop working.

Teens are already thinking about retirement, according to the Achievement Teens & Retirement Survey conducted by Wakefield Research on behalf of Junior Achievement and MissionSquare Retirement’s Foundation. Among young adults ages 13-18 surveyed, 83% have thought about their retirement and 78% believe they’ll be able to retire comfortably when the time comes. However, only 60% view retirement as living on investments and savings after leaving work, believing instead retirement could mean taking extended time off for travel, study, illness or taking care of family matters.

“This research shows retirement is more top-of-mind for teens than one might think,” said Tim Greinert, president of Junior Achievement USA. “While young people have given retirement planning some thought, it’s apparent they still need information on the best way to go about it.”

Because nearly half of U.S. households (46%) report having nothing saved for retirement, according to the Survey of Consumer Finances, taking steps early to save and invest can help teens get a head start on achieving a successful retirement.

  1. Start now. The sooner you start, the longer you have to save and for investments to grow. Even though contributions may be small during your teens and 20s, it can make a dramatic difference in the long run.
     
  2. Pay yourself first. Whether through a dedicated savings account or an employer’s retirement plan, set aside a set percentage of each paycheck. Then prioritize spending on what you truly need and want.
     
  3. Invest what you save. Unless you save a lot, you’ll need to make the most of your savings by investing them to help them increase in value. According to the survey, teens believed investing in stocks and bonds with the help of a financial advisor (45%) or researched online (38%), buying real estate or property (30%) and buying cryptocurrency or non-fungible tokens (15%) are among the best ways to save for retirement.
     
  4. Find the right balance between investment risk and potential return. The ideal mix is one most likely to help meet investment goals with a level of risk you can handle. The longer you have to invest, the more risk you can likely take.
     
  5. Spread savings across different types of investments. This helps you manage risk. As some investments go through rough stretches, others are likely to hold steady or grow.
     
  6. Stick with your investing plan. Avoid making decisions based on emotions or in an attempt to time the ups and downs of the market. Focus instead on meeting goals over time.

“The fact that so many young adults in the early stages of their careers are aware of a variety of investment strategies is encouraging news,” said Deanna Santana, president, MissionSquare Foundation. “Over the course of our lifetimes, investment approaches, the economy and our priorities will change, so planning for life after work is an ongoing necessity – for teens and adults alike.”

Find more advice to plan for the future and achieve economic success at ja.org and missionsq.org.

Photo courtesy of Shutterstock

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Junior Achievement

Our Lifestyle section on STM Daily News is a hub of inspiration and practical information, offering a range of articles that touch on various aspects of daily life. From tips on family finances to guides for maintaining health and wellness, we strive to empower our readers with knowledge and resources to enhance their lifestyles. Whether you’re seeking outdoor activity ideas, fashion trends, or travel recommendations, our lifestyle section has got you covered. Visit us today at https://stmdailynews.com/category/lifestyle/ and embark on a journey of discovery and self-improvement.

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love and romance

Love Your Space: 4 Valentine’s Day Home Decor Ideas

Valentine’s Day offers an opportunity to enhance home decor with love-themed touches. Key ideas include using a classic red and pink palette, incorporating soft lighting and inviting textures, adding fresh flowers and heartfelt accents, and personalizing decor with meaningful items. Each element contributes to a romantic and welcoming atmosphere.

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Love Your Space: 4 Valentine's Day Home Decor Ideas

Love Your Space: 4 Valentine’s Day Home Decor Ideas

(Family Features) From planning a romantic night in with your significant other to hosting friends for Galentine’s Day, Valentine’s Day is a perfect opportunity to fill your home with love and heartfelt style.

Whether you add subtle accents or bold pops of color, decorating for the season of love is about adding intentional touches that make your spaces feel special.

1. Choose a Valentine’s Palette
The classic red and pink motif is a perfect starting point. A few heart-shaped throw pillows, blush pink accessories or a rich red accent blanket can capture the spirit without overwhelming. If bold colors don’t match your current design style, ground them with neutrals like soft whites, creams or grays to create a romantic look that feels intentional and cohesive.

2. Set the Mood with Lighting and Texture
Soft lighting – think string lights draped along a mantel, clusters of warm-hued candles or a table lamp with a rosy glow – can make rooms feel cozier, as can layering sensual textures like velvet pillows, knit throws and lace or crochet accents. These elements feel inviting and chic, creating a relaxed, intimate ambience perfect for a celebratory evening at home.

3. Fresh Florals and Heartfelt Accents
A timeless Valentine’s Day tradition, fresh flowers can bring life, color and fragrance to any room. A vase of red roses, pink tulips or mixed seasonal blooms can serve as a centerpiece on your dining room table or entry console. For an added seasonal touch, consider heart-shaped garlands or DIY paper hearts on shelves, mirrors or around picture frames.

4. Personalize With Love
Much like heart-warming gifts, the most meaningful decor often has a personal story. Frame a favorite photo, display a handwritten love note or incorporate a treasured keepsake into your Valentine’s arrangement to make your space feel uniquely yours.

For more ideas to celebrate love every time you walk through the door, visit eLivingtoday.com.

Photo courtesy of Shutterstock

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eLivingtoday.com

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child education

Special Education Is Turning to AI to Fill Staffing Gaps—But Privacy and Bias Risks Remain

With special education staffing shortages worsening, schools are using AI to draft IEPs, support training, and assist assessments. Experts warn the benefits come with major risks—privacy, bias, and trust.

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Seth King, University of Iowa

With special education staffing shortages worsening, schools are using AI to draft IEPs, support training, and assist assessments. Experts warn the benefits come with major risks—privacy, bias, and trust.
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In special education in the U.S., funding is scarce and personnel shortages are pervasive, leaving many school districts struggling to hire qualified and willing practitioners.

Amid these long-standing challenges, there is rising interest in using artificial intelligence tools to help close some of the gaps that districts currently face and lower labor costs.

Over 7 million children receive federally funded entitlements under the Individuals with Disabilities Education Act, which guarantees students access to instruction tailored to their unique physical and psychological needs, as well as legal processes that allow families to negotiate support. Special education involves a range of professionals, including rehabilitation specialists, speech-language pathologists and classroom teaching assistants. But these specialists are in short supply, despite the proven need for their services.

As an associate professor in special education who works with AI, I see its potential and its pitfalls. While AI systems may be able to reduce administrative burdens, deliver expert guidance and help overwhelmed professionals manage their caseloads, they can also present ethical challenges – ranging from machine bias to broader issues of trust in automated systems. They also risk amplifying existing problems with how special ed services are delivered.

Yet some in the field are opting to test out AI tools, rather than waiting for a perfect solution.

A faster IEP, but how individualized?

AI is already shaping special education planning, personnel preparation and assessment.

One example is the individualized education program, or IEP, the primary instrument for guiding which services a child receives. An IEP draws on a range of assessments and other data to describe a child’s strengths, determine their needs and set measurable goals. Every part of this process depends on trained professionals.

But persistent workforce shortages mean districts often struggle to complete assessments, update plans and integrate input from parents. Most districts develop IEPs using software that requires practitioners to choose from a generalized set of rote responses or options, leading to a level of standardization that can fail to meet a child’s true individual needs.

Preliminary research has shown that large language models such as ChatGPT can be adept at generating key special education documents such as IEPs by drawing on multiple data sources, including information from students and families. Chatbots that can quickly craft IEPs could potentially help special education practitioners better meet the needs of individual children and their families. Some professional organizations in special education have even encouraged educators to use AI for documents such as lesson plans.

Training and diagnosing disabilities

There is also potential for AI systems to help support professional training and development. My own work on personnel development combines several AI applications with virtual reality to enable practitioners to rehearse instructional routines before working directly with children. Here, AI can function as a practical extension of existing training models, offering repeated practice and structured support in ways that are difficult to sustain with limited personnel.

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Some districts have begun using AI for assessments, which can involve a range of academic, cognitive and medical evaluations. AI applications that pair automatic speech recognition and language processing are now being employed in computer-mediated oral reading assessments to score tests of student reading ability.

Practitioners often struggle to make sense of the volume of data that schools collect. AI-driven machine learning tools also can help here, by identifying patterns that may not be immediately visible to educators for evaluation or instructional decision-making. Such support may be especially useful in diagnosing disabilities such as autism or learning disabilities, where masking, variable presentation and incomplete histories can make interpretation difficult. My ongoing research shows that current AI can make predictions based on data likely to be available in some districts.

Privacy and trust concerns

There are serious ethical – and practical – questions about these AI-supported interventions, ranging from risks to students’ privacy to machine bias and deeper issues tied to family trust. Some hinge on the question of whether or not AI systems can deliver services that truly comply with existing law.

The Individuals with Disabilities Education Act requires nondiscriminatory methods of evaluating disabilities to avoid inappropriately identifying students for services or neglecting to serve those who qualify. And the Family Educational Rights and Privacy Act explicitly protects students’ data privacy and the rights of parents to access and hold their children’s data.

What happens if an AI system uses biased data or methods to generate a recommendation for a child? What if a child’s data is misused or leaked by an AI system? Using AI systems to perform some of the functions described above puts families in a position where they are expected to put their faith not only in their school district and its special education personnel, but also in commercial AI systems, the inner workings of which are largely inscrutable.

These ethical qualms are hardly unique to special ed; many have been raised in other fields and addressed by early-adopters. For example, while automatic speech recognition, or ASR, systems have struggled to accurately assess accented English, many vendors now train their systems to accommodate specific ethnic and regional accents.

But ongoing research work suggests that some ASR systems are limited in their capacity to accommodate speech differences associated with disabilities, account for classroom noise, and distinguish between different voices. While these issues may be addressed through technical improvement in the future, they are consequential at present.

Embedded bias

At first glance, machine learning models might appear to improve on traditional clinical decision-making. Yet AI models must be trained on existing data, meaning their decisions may continue to reflect long-standing biases in how disabilities have been identified.

Indeed, research has shown that AI systems are routinely hobbled by biases within both training data and system design. AI models can also introduce new biases, either by missing subtle information revealed during in-person evaluations or by overrepresenting characteristics of groups included in the training data.

Such concerns, defenders might argue, are addressed by safeguards already embedded in federal law. Families have considerable latitude in what they agree to, and can opt for alternatives, provided they are aware they can direct the IEP process.

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By a similar token, using AI tools to build IEPs or lessons may seem like an obvious improvement over underdeveloped or perfunctory plans. Yet true individualization would require feeding protected data into large language models, which could violate privacy regulations. And while AI applications can readily produce better-looking IEPs and other paperwork, this does not necessarily result in improved services.

Filling the gap

Indeed, it is not yet clear whether AI provides a standard of care equivalent to the high-quality, conventional treatment to which children with disabilities are entitled under federal law.

The Supreme Court in 2017 rejected the notion that the Individuals with Disabilities Education Act merely entitles students to trivial, “de minimis” progress, which weakens one of the primary rationales for pursuing AI – that it can meet a minimum standard of care and practice. And since AI really has not been empirically evaluated at scale, it has not been proved that it adequately meets the low bar of simply improving beyond the flawed status quo.

But this does not change the reality of limited resources. For better or worse, AI is already being used to fill the gap between what the law requires and what the system actually provides.

Seth King, Associate Profess of Special Education, University of Iowa

This article is republished from The Conversation under a Creative Commons license. Read the original article.


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health and wellness

Understanding and Treating Rosacea: What You Need to Know

Rosacea is a chronic skin condition affecting over 16 million Americans, causing facial redness, swelling, and discomfort. Its exact cause is unclear, but triggers include sun exposure and stress. Treatment involves tailored skincare, lifestyle management, and medication. Crescel’s Skin Renewal Cream offers a scientifically-backed solution to manage symptoms effectively.

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(Feature Impact) Rosacea is a chronic skin condition, mainly affecting the face, that causes redness, swelling, pain and changes in appearance. It is estimated that more than 16 million people in the United States have rosacea, according to the National Rosacea Society (NRS), but only about 1 million are under active treatment.

Physical impacts include prominent redness, acne-like bumps and pimples, highly visible enlarged blood vessels, pronounced dryness and unpleasant sensations like stinging, burning, itching and tingling. As many as half of sufferers also experience eye symptoms. Rosacea also affects emotional and social well-being. From lower confidence and self-esteem to avoidance of public contact and social engagements and missed work, the impacts are far-reaching. However, rosacea can be treated and managed.

17795 B 2Learn more about the condition with this information from the NRS and the experts at Crescel, who are transforming rosacea care by harnessing nature and science to heal skin with their Skin Renewal Cream. It holds the NRS’s Seal of Acceptance, and its therapeutic benefits and tolerance have been confirmed in multiple clinical studies.

“Sensitive and easily irritated skin is a common issue for people with rosacea, and harsh products can aggravate the condition,” said Andrew Huff, executive director of the NRS. “That’s why the NRS expertly evaluates skin care and cosmetic products to ensure they are gentle, clinically tested and found to be unlikely to irritate sensitive rosacea skin.”

What causes rosacea?

The exact cause of rosacea is not fully understood. However, research suggests facial redness is often the first step in a chain of skin inflammation. This process may begin when the nerves, blood vessels and immune system don’t work together as they should.

Researchers have also found a microscopic skin mite called Demodex may play a role. These tiny arachnids normally live within hair follicles and oil glands on everyone’s skin, but people with rosacea tend to have higher numbers on the face, which may contribute to irritation and inflammation.

Some studies have found links between rosacea and other health conditions, such as heart disease, digestive disorders, neurological or autoimmune conditions and certain cancers. These findings suggest rosacea may be related to inflammation throughout the body.

What are the most common symptoms?

The most common symptoms of rosacea include:

  • Easy or severe blushing or flushing
  • Persistent redness
  • Bumps and pimples on the skin without blackheads
  • Burning or itching sensation
  • Swelling

Symptoms are different for each person and can change over time. There may be times when symptoms are worse and instances when they become milder.

What triggers a flare up?

Rosacea patients can improve their chances of maintaining remission by identifying and avoiding lifestyle and environmental factors that trigger flare-ups or aggravate the condition.

Common triggers include sun exposure, stress, extreme temperatures, heavy exercise, alcohol consumption, spicy foods and some skin, hair and makeup products.

What causes a flare-up in one person may have no effect on another, making this a highly individualized process. Knowing what triggers your flare-ups can help reduce discomfort, improve treatment results and prevent the condition from getting worse.

17795 C embed2How do you treat rosacea?

Because the signs and symptoms of rosacea vary from one patient to another, treatment is tailored by a physician for each individual case. It typically involves three key elements:

  • Skin care: Committing to a gentle routine using mild, non-irritating products.
  • Lifestyle management: Identifying and reducing exposure to triggers.
  • Medication and other therapies: Combining topical and oral treatments along with laser therapy to target various symptoms.

As the world’s first intelligent therapeutic, Crescel’s Skin Renewal Cream harnesses nature and science to heal skin. The cream contains:

  • Pioneering microemulsion technology that enables continuous delivery of critical cellular nutrients that are essential for skin healing.
  • A unique absorption system, whichallows healing nutrients to easily enter the cell.
  • Mitochondria reboot technologythat restores the mitochondria’s ability to repair dysfunctional skin cells while reinforcing the skin’s natural barrier, reducing the risk of future irritation and flare-ups.

Talk with your dermatologist about your treatment routine and visit crescel.com to learn more about rosacea care.

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SOURCE:
Crescel

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