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News Magazine | Get The Most Freshy News Every Day | Page 464
Saturday, June 13, 2026
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Join the Alliance’s Board of Directors! — BC Alliance for Ar…

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The Alliance is currently welcoming expressions of interest from individuals
interested in joining our Board of Directors!

The Board of Directors provides strategic leadership, establishes
policy, oversees the operations of BC Alliance for Arts + Culture, and
plays a pivotal role in deepening our connection with the community.

Women, people of colour, Indigenous persons, persons with varying  abilities, people in the LGBTQIA2S+ community, and people from other historically underrepresented communities are strongly encouraged to apply.

To see the full open call, click here



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Elevating Your Wilderness Camping Gear

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A refreshing escape awaits you amidst the rustling leaves and star-studded skies in a world filled with constant digital connections that often feel unbearable. Camping, the age-old practice of immersing in nature’s embrace, allows you to unplug from screens and recharge your soul. Just picture crackling campfires and laughter shared on your next guy’s trip under moonlit canopies in a beautiful wilderness like Big Horn National Park.

But for a truly unforgettable wilderness camping journey, you must be equipped with the right gear – the essential tools you can find on SAM Medical that transform a mere trip into a cherished memory but also prepare you for anything unpredictable that can happen in nature.

Importance of the Right Gear and Equipment

A full layount of all the wilderness camping gear you would need if you were about to go backpacking for a week. It has an internal pack frame surrounded by a tent, sleeping bag, first aid kit, and then tons of other gear like lanterns, jet boil stoves, books, compass, and more
As you embark on the adventure of wilderness camping unplugged, it’s not only the absence of gadgets but the presence of thoughtfully chosen gear that makes all the difference. So, it’s time to navigate the enchanting realm of outdoor living and delve into the gear that will elevate your camping experience to something extraordinary.

From setting up a comfortable campsite to savoring delicious meals cooked over an open flame, you’ll explore a spectrum of gear that caters to every aspect of your unplugged escapade. But this is not just a list of items; it’s a celebration of mindful camping, where the gear you choose aligns with embracing the environment and treading lightly.

So, pack your sense of wonder and embark on a journey where unplugging isn’t just a choice – it’s a pathway to rediscovering nature’s serenity and adventure. With the right gear in tow, you’re ready to create memories that will be cherished long after the embers of the last campfire have faded away.

Just picture it! Crackling campfires & laughter all under moonlit canopies of a beautiful wilderness. But for a truly unforgettable wilderness camping journey, you need the right gear because in Nature, ANYTHING can happen! Click To Tweet

Shelter and Sleeping Gear

When you venture into the realm of camping, one of the fundamental aspects that can truly shape your experience is the shelter you choose to call home under the open sky. A well-considered shelter not only shields you from the elements but also provides a sense of security and comfort that allows you to embrace the wilderness around you fully.

The Importance of a Reliable Shelter

an orange backpacker tent set up on a rocky site with a man holding a cup of coffee as the sun rises over the mountains behind the tent

As you embark on your outdoor journey, a reliable shelter becomes your sanctuary. You can unwind and rejuvenate in this place after a day of exploration. Choosing the right tent is important as the trip itself and it’s essential to factor in considerations like:

  • Size
  • Weight
  • Weather resistance

Whether you’re a solo adventurer seeking solitude or part of a group expedition, selecting a tent that suits your needs will be the cornerstone of your camping experience.

Navigating the Terrain: Types of Tents

Not all tents are precisely the same and there are a few types that you need to know about before going on your trip.

  1. Backpacking TentsDesigned for people who prefer to traverse the backcountry, backpacking tents are lightweight and easily packable. These tents prioritize portability without compromising protection, making them ideal for both hikers and minimalist campers.
     
  2. Family TentsIf you’re seeking shared moments in nature with your loved ones, family tents offer spacious interiors and room dividers. These tents often include extra features like vestibules for added storage, creating a home away from home.
     
  3. Three-Season vs. Four-Season TentsDepending on the time of year and the conditions you anticipate encountering, you’ll want to choose between three-season and four-season tents. Three-season tents are versatile and suitable for spring, summer and fall. In contrast, four-season tents are built to withstand the rigors of winter camping, with much sturdier construction and snow-shedding capabilities.

Embracing Comfort: Sleeping Bags and Sleeping Pads

a yellow sleeping matt with a blue sleeping bag inside an orange tent with the door open to show a pair of boots, other tents, and the mountains in the back

The right sleeping bag is your cocoon of warmth during chilly nights. Consider temperature ratings to ensure you stay cozy in various conditions. Mummy-style sleeping bags offer snug fitment, while rectangular bags provide more room to move.

Enhancing both comfort and insulation, sleeping pads are essential for a good night’s sleep. Choose from self-inflating, air or closed-cell foam options based on your preference and the terrain you’ll be camping on.

Safety and First Aid

In embracing nature’s beauty, where every corner promises adventure, safety is as important as the experience itself. The allure of camping unplugged lies not only in its serenity but also in its unpredictability. 

As you journey into the wild, equipping yourself with the proper safety measures and first aid essentials ensures you’re prepared to navigate any challenges.

Prioritizing Safety Awareness

a red Wilderness Camping First Aid Kit leaning against a pair of brown hiking boots

Before you set foot on the trail or pitch your tent, take a moment to familiarize yourself with the area’s specific risks and potential hazards. 

Whether rugged terrain or sudden weather changes, being aware of potential dangers is the first step toward a safe and enjoyable camping experience. So, with all that in mind, here are some things you should consider when it comes to safety:

1) Comprehensive Kit

A well-stocked first aid kit is your lifeline in all emergencies. It should include essentials like:

  • Adhesive bandages
  • Antiseptic wipes
  • Gauze pads
  • Adhesive tape
  • Tweezers
  • Scissors
  • Pain relievers

So, all that’s left is to tailor the contents to your destination and group size.

2) Prescriptions and Medications

If you have specific medical needs, ensure you have an ample supply of necessary medications. Also, include an EpiPen if allergies are a concern or carry emergency antibiotics, also known as preppers antibiotics, if you are worried about getting a serious infection. 

3) Emergency Communication

In remote areas, cell service might be scarce. Consider carrying a satellite communication device or a personal locator beacon (PLB) to summon help in emergencies.

Insect Protection and Sun Safety

Unfortunately, bugs are an inevitable part of outdoor adventures. So, pack insect repellent to ward off annoying insects and ticks that can transmit diseases. 

Also, remember to protect yourself from the sun and defend your skin from harmful UV rays with broad-spectrum sunscreen. Sunglasses with UV protection shield your iris and cornea from glare and potential damage.

For wilderness camping, you need the right gear because in Nature, ANYTHING can happen! Discover how to elevate your Wilderness Camping Gear. #outdoorgear #campinghacks #hikinggear Click To Tweet

Knowledge is Key: Wilderness First Aid Training

Familiarize yourself with basic wilderness first aid techniques. Learning to treat common injuries like cuts, burns and sprains can be invaluable in remote areas. And, if possible, consider obtaining CPR and basic first aid certification. These skills could make a significant difference in critical situations.

Emergency Preparedness

A map sealed in a waterproof ziplock bag and a compass

Before heading out, inform a trusted friend or family member about your plans, including your itinerary and expected return date. Carry a map, compass or GPS device to prevent getting lost and familiarize yourself with using these tools effectively.

Campsite Comfort and Convenience

As the sun dips below the horizon and the embers of the campfire glow softly, your campsite stands as a beacon in the heart of the wilderness. Creating a comfortable and convenient campsite deepens your connection to nature. 

It allows you to savor the simple joys of outdoor living. From relaxation to nourishment, thoughtful campsite gear ensures your unplugged adventure is enjoyable and memorable.

Embracing Cozy Campsite Comfort

a set of Camp Chairs around a fire pit but during the day as you look down into a very green and lush wilderness valley

After a day of exploration, having a comfortable place to unwind is very important. That’s where portable camping chairs offer a cozy spot to sit and relax around the campfire or by the river. 

Also, whether preparing meals or playing a card game, a compact folding table adds convenience to your campsite. Don’t forget to look for lightweight options that are easy to transport.

Illumination and Ambiance

As darkness settles in, lanterns illuminate your campsite with a warm, inviting glow illuminating your campsite. And, if you’re a genuine and passionate nature lover, consider solar-powered lanterns for an eco-friendly lighting solution. 

Furthermore, when it comes to hands-free illumination, headlamps are invaluable. They’re perfect for nighttime activities like cooking, reading or just navigating around the campsite.

Essential Tools and Accessories

essential gear for a wilderness camping trip including a lifestraw, a pocket knife, a compass, a waterproof matches container, and a traditional flint and steel fire starter

  1. Multi-Tools – A quality multi-tool that combines various functions like cutting, opening bottles and even serving as a screwdriver. It’s a versatile tool that simplifies camping tasks.
  2. Fire Starters – Building a campfire is a quintessential camping experience. So, carry fire starters or waterproof matches to ensure you can kindle a cozy fire even in damp conditions.
  3. Repair Kits- From patching up a torn tent to fixing gear, a repair kit with duct tape, adhesive patches and sewing supplies can save the day.

Waste Management and Leave No Trace

When engaging with nature, it’s crucial to leave behind no evidence of your presence, ensuring the preservation of the environment. To achieve this, always carry sturdy and reliable trash bags to pack out all your garbage and litter. Additionally, when performing tasks such as dishwashing or tidying up, opt for biodegradable soap to reduce your ecological footprint. 

By conscientiously following these guidelines, you contribute to protecting and conserving natural spaces for both current and future generations to enjoy.

Final Note

a person sitting by a fire wilderness camping at night

As you bid farewell to the campfire’s glow and the tranquil forests that have been your haven, take with you not just memories but an understanding that the right gear can transform a mere excursion into a memorable chapter of your life story. 

Whether you’re a seasoned nomad or a fledgling wanderer, may the lessons learned, and the connections forged amidst the rustling leaves guide you on future adventures, inspiring a lifelong love affair with the great outdoors.

So, as you pack your gear and bid farewell to your campsite, remember that the wilderness remains and patiently waits for your return. Equipped with essentials and guided by the spirit of exploration, you’re ready to embark on new unplugged odysseys – each one a testament to the harmony between humanity and nature and the endless possibilities that unfold when you step outside, unplugged and alive.

Don’t forget to Pin this to your favorite Bucket List Board! Pinterest Picture of a green tent as part of Wilderness Camping Gear



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No One-Trick Pony Here:

DeWitt Gilmore, widely recognized as Relentless Aaron–or simply “Relentless”, is no stranger to the world of live entertainment. Starting at the age of 18, Aaron has been deeply involved in producing some of the most iconic concerts and events in the industry. His early career featured groundbreaking shows with legendary hip-hop artists such as Run-DMC, The Fat Boys, Force MDs, and Dr. Jekyll and Mr. Hyde. These early productions laid the foundation for a career that would span over four decades and include a wide range of genres and event types, from hip-hop concerts to jazz and comedy shows.

From Concert Halls to Café Stages: A Storied Career

Relentless’ career trajectory saw him producing events at prestigious venues like Bentleys in New York City, where he coordinated shows that catered to a sophisticated audience. As he expanded his portfolio, he began exploring more intimate venues and locations, recognizing the untapped potential in unconventional spaces. One of his most successful ventures was a three-year run of jazz and comedy shows at Starbucks in Conyers, Georgia. These shows, which ran simultaneously for years, transformed the café into a vibrant entertainment venue, demonstrating Aaron’s unique ability to reimagine spaces for live events.

Beyond Traditional Venues: A Master of Versatility

Not only has Relentless proven himself in traditional concert settings, but he has also explored live productions in some of the most unconventional venues. From hosting shows at McDonald’s to outdoor events that brought communities together, his creativity knows no bounds. His expertise extends to producing live entertainment in department stores, auto dealerships, and other unexpected locations, proving that great entertainment can happen anywhere.

Relentless’ productions have consistently offered audiences a rich mix of genres, from hip-hop and jazz to R&B and country music. Whether he’s booking amateur performers or well-known superstars, Aaron has access to an extensive network of entertainers across the nation, making him a go-to producer for any venue looking to offer high-quality live entertainment.

Producing for the Future: Not Done Yet

Relentless’ storied career in live entertainment is far from over. As someone who thrives in the world of live events, he continues to seek out opportunities where he can bring his extensive experience and creativity to new venues. Whether it’s a restaurant looking to build its atmosphere, or a retail store aiming to attract more foot traffic, Relentless is ready to deliver exciting, dynamic shows that resonate with audiences and boost the businesses hosting them.

With decades of experience producing concerts, comedy shows, and live performances, Relentless is not just a seasoned professional—he is a visionary who understands how to blend entertainment with business needs. His ability to work with venues of all sizes and types allows him to craft shows that fit perfectly with the space and audience, ensuring a memorable experience for everyone involved.

Disrupting Your Life: How to Embrace Change and Unlock Your Full Potential

Disruptions are a natural part of life. Whether it’s a career shift, personal loss, or an unexpected challenge, life will throw curveballs your way. The real question is: How do you handle these disruptions? Do you let them derail your progress, or do you use them as opportunities to upgrade your life?

Embrace the Upgrade Mentality

Think of your life like a computer that occasionally asks, “Are you ready for an update?” Often, we hit “later” because upgrades can be inconvenient and time-consuming. But just as technology becomes outdated, so do our skills, knowledge, and perspectives if we don’t regularly upgrade them.

James Weldon Johnson’s words, “Stony the road we trod, bitter the chastening rod,” remind us that every struggle and sacrifice has brought us to this moment. Yet, those who came before us paid a price for the opportunities we now enjoy. To honor those sacrifices, we must continuously evolve—upgrading our mindset, expanding our knowledge, and refining our skills.

As Albert Einstein wisely said, “The thinking that has brought me this far has created some problems that this thinking can’t solve.” The challenges we face today require new solutions, and the person we are today needs to be upgraded to meet tomorrow’s demands.

Stop Being a Spectator in Your Own Life

Many of us are programmed to be spectators, sitting on the sidelines and watching others live their best lives. We become consumed by distractions—debates about who the greatest athlete is, social media drama, and the endless consumption of content. But if you’re reading this, you’re different. You don’t want to settle for mediocrity or just watch others succeed. You want to be the GOAT in your own life, to live with purpose and passion.

To do that, you need to stop being a fan and start playing the leading role in your own story. Being busy doesn’t always mean being productive. Life moves fast, especially after 40, and if you’re not careful, you’ll confuse motion with progress.

Realign and Reassess: Upgrade Your Relationships

Just as we need to upgrade our mindset, we also need to realign our relationships. Not everyone in your life is meant to stay. Some people drain your energy, compromise your focus, or hold you back from reaching your full potential. To truly disrupt your life for the better, you need to surround yourself with people who uplift you, challenge you to grow, and support your journey.

Choose Joy, Even in the Storm

One of the most powerful shifts you can make is choosing joy in the face of adversity. Joy is not tied to your circumstances; it’s a mindset, a way of life. When you cultivate joy, you become resilient, able to find peace and purpose even in difficult times.

Life will be life’ing—things will go wrong, challenges will arise. But when joy becomes a conscious choice, you stop living from the outside in and start living from the inside out. You’ll be less affected by external circumstances and more grounded in your own strength and purpose.

Conclusion: It’s Time to Disrupt Your Life

Disruptions are inevitable, but how you respond to them is up to you. You can let them knock you down, or you can use them as a catalyst for growth. By upgrading your mindset, reassessing your relationships, and choosing joy, you can transform life’s challenges into opportunities for progress.

It’s time to stop being a spectator and start living your life with intention, passion, and purpose. Your greatest potential lies on the other side of disruption. Are you ready to embrace it?

I AM RELENTLESS!

Juxtapoz Magazine – Parra’s World of a Assorted Confusion

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Parra is unmistakable but also an enigma. It’s not that he hides or even hides his characters behind a cloke of abstraction, but they are elegantly expressionless and Parra himself isn’t one for the camera. But the works are so Parra. There is mystery in it. The characters have evolved over the years but remain within a visual language but also influenced by Parra’s life in music, design, skate and fine art. They are fluidly moving through time, and in his second solo show with Alice Gallery in Brussels, Assorted Confusion finds a balance of anxiety and leisure, energy and relaxation. In a time in the world where we are looking for repose, you follow Parra’s characters as they, too, look for something more balanced, something true and real. They become part of an art historical lexicoin in their desire for something more relaxed, and maybe that is where the confusion lies; can we relax in such chaos? —Evan Pricco



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Resurgence Support Payment & Wage Subsidy

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I’ve had a few queries about these support payments lately, especially how to calculate the revenue drop. Remember that it is also a requirement to keep records of how this information has been calculated.

If you use Xero, creating the required reports is really simple however if you use MYOB or another software creating the reports can be quite difficult. You may need to run separate P&L’s as they do not let you add the correct comparison periods.

This requires your business to show a 30% drop in revenue over a 7-day period after an alert level change and you also need to meet the other eligibility criteria. This revenue drop is compared to a typical 7 day period within 6 weeks prior to the alert level increase. If your business is seasonal you will need to compare this to a similar week in the previous year to show the 30% decrease.

There are currently 5 RSP’s open. If you haven’t applied for any payments and your business was eligible you can apply for all 5 now. Check the IRD Website to see what dates each payment covers.

If your business is GST Registered you need to include the RSP in your GST return.

For those using Xero navigate to the Profit & Loss report. Set the date range for a 7 day period (e.g. 24th August to the 31st August) and add comparison periods. For the August dates this would be 7 periods to show the 6 periods prior to the 17th August. This report can be run on cash or Accrual basis depending on how your business works, Hospitality businesses would be based on daily sales so cash basis whereas a business that invoices it’s clients for payment later could run on accrual basis. This report can then be exported and published to save as evidence of the revenue drop.

To apply for the Wage Subsidy your business needs to show a 40% drop in revenue over a 14 day period (e.g. 17 august 2021 – 30 August 2021), and this needs to be compared to a typical consecutive 14 day period in the 6 weeks prior to the alert level increase on the 17th August.

The Wage subsidy opens every 2 weeks and you need to reapply every 2 weeks. Don’t apply early or this will not be approved and you can’t apply for any previous wage subsidies as these have a close date. There is no GST in the wage subsidy so ensure that this is not included in your GST return.

You can run the same reports as above for the RSP however just change the date range to a 14 day period and save the reports. MSD and IRD do ask for more information if you business is new and you haven’t filed a return before or if they want to check that you aren’t applying for the support payment when you aren’t entitled to them.

Make sure you run your reports and ensure that you are entitled to the support before applying. Check close dates for Wage subsidies and set reminders to ensure you don’t miss out. Also the Resurgence support payments may come to an end when we move to the traffic light system so ensure you have applied if you business is suffering as these support payments could end at the end of November.

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Colorado Panera worker bashes customer with bread pan after …

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Beatdown with a side of bread.

A Panera Bread pan-wielding worker repeatedly bashed a crazed customer in the head when he started to assault employees and customers in a violent outburst inside the Colorado fast-casual restaurant.

The suspect, identified by the Glendale Police Department as Isaac Ross, started wreaking havoc inside a Panera Bread in Glendale — five miles outside of Denver — on Tuesday, according to KDVR.

The Glendale Police Department identified the suspect (L) as Isaac Ross. Natalie Wiersma via Storyful

A video taken by frightened customer Natalie Wiersma showed the suspect screaming like a maniac, chucking items off the counter at the restaurant’s staff, and demanding the workers return a phone.

“The suspect was yelling it at the workers, and they were all super confused-looking and said, ‘We don’t have your phone,” Wiersma told the outlet.

Customers tried pleading with Ross to stop and leave, but it seemingly infuriated him further.

Ross is heard shouting a racial slur at one diner before continuing to unleash his temper tantrum in front of other customers.

“No one has your phone!” a customer screams at Ross as he continues his threatening antics.

Ross was seen assaulting employees and customers in a violent outburst inside the Colorado fast-casual restaurant. Natalie Wiersma via Storyful

The suspect is then seen moving around to the front of the counter, where he hurls more items at the staff.

Seconds later, a customer rushes up behind Ross and tries pushing him away, but Ross quickly turns around and knocks the Good Samaritan to the floor.

Ross leaps forward at the defenseless man, swinging his arms on the attack.

Ross is seen trying to attack a customer before a Good Samaritan wrestles him to the floor. Natalie Wiersma via Storyful

He lands a slap on the man before another customer comes and wrestles him to the ground.

“The next guy then actually kind of saved that guy from getting attacked further and tried his best to hold them down,” Wiersma told the outlet.

A Panera Bread employee appears with a long bread pan and strikes Ross across the head five times as another customer tries to restrain him.

“My personal hero,” Wiersma shared. “That I think was very effective.”

A Panera Bread employee appears with a long bread pan and strikes Ross across the head five times. Natalie Wiersma via Storyful

Someone shouts, “Call the police,” as the suspect and fearless customer continue to grapple on the ground before the video ends.

The Glendale Police Department told the outlet that Ross fled from the scene soon after the altercation.

However, they shared that he later returned to the same Panera and had another violent outburst.

Ross allegedly assaulted an at-risk male victim, law enforcement said about the second disturbance.

That victim needed to be treated for minor injuries.

Police are asking the public to come forward with any information leading to Ross’s whereabouts.

The Post has contacted the Glendale Police Department and Panera for comment.

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I Can’t Stop Wearing This $20 Cardigan That Feels So Expensi…

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I live for fall, especially the fashion. Nothing makes me happier than putting swimsuits and shorts in storage and bringing out my boots, sweaters, and trousers. This year, while doing my seasonal closet shift, I noticed that I didn’t have many tops to get me through the next two months. I own plenty of bulky sweaters for cold temperatures but not enough lightweight options to keep me comfortable yet cozy in the crisp autumn weather. 

Luckily, I recently found what I was looking for in this best-selling cardigan from Free Assembly’s latest collection. Walmart sent me the piece a few weeks ago, and I can’t stop wearing it. The material feels so luxe and buttery-soft, plus the sweater can be worn in multiple ways, making it an instant staple. Best of all, it’s only $20 but resembles styles that cost upwards of $100, so I’m grabbing more colors before they sell out. 

Free Assembly Crewneck Cardigan Sweater

Walmart


Sure, cardigans in the fall aren’t groundbreaking, however, they’ve been spotted on celebrities more than ever lately. Reese Witherspoon and Katie Holmes recently wore the layering essential, and earlier this summer, Jennifer Garner and Gwyneth Paltrow stepped out with sweaters draped over their shoulders, proving just how versatile they are. 

Like these celebs, I’ve been styling my Free Assembly cardigan for various occasions and temperatures. For casual outings, I’ve left it open over a graphic T-shirt and buttoned it up with a basic white tee underneath, and for a date night look, I’ve draped it over a midi dress, which is extra convenient if the restaurant is chilly. I love the classic fit, which is comfy but not oversized, and the ribbed hem that lays nicely over pants and can easily be tucked in. 

It has the ideal weight for fall weather — not too thick or thin — thanks to its blend of viscose, polyester, and polyamide. As soon as I felt the fabric, I knew the sweater was high-quality, and now that I’ve worn and washed it several times, I can assure you it is. My honest thoughts: Why buy a more expensive sweater when this $20 one checks all the boxes? 

Shoppers also love the cardigan just as much as I do. One person called it the softest thing ever, while another said they were so impressed with the quality, that they bought two. It’s available in seven colors and sizes ranging from XS to 4X. I chose the dark navy blue to diversify my mostly-black wardrobe and to pair nicely with my brown boots, and now I’m eyeing the cream style while it’s still in stock.

Trust me, Free Assembly’s best-selling cardigan is worth adding to your fall wardrobe, and perhaps in a few colors since it’s just $20. Below, I’ve rounded up more cozy knits to shop at Walmart for under $30. 

Free Assembly Ruffle Hem Cardigan Sweater

Walmart


Scoop Oversized V-Neck Cardigan Sweater

Walmart


Scoop Puff Sleeve Cardigan Sweater

Walmart


Time and Tru Boyfriend Cardigan

Walmart


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Understanding Grandparent-Owned 529 Plans

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Grandparent-Owned 529 Plan

Source: The College Investor

What is a grandparent-owned 529 college savings plan? How do they work? What do you need to know about them and what changes should you know about? 

A grandparent-owned 529 plan is a type of 529 college savings plan where the account owner is a grandparent, as opposed to a parent. The grandchild is the beneficiary. 

Another alternative would be a custodial 529 plan account, where the grandchild is both the account owner and beneficiary, but the grandparent serves as custodian. There is no limit on the type of 529 plan where grandparents can make contributions. Grandparents can contribute to grandparent-owned 529 plans, custodial 529 plans, and parent-owned 529 plans. 

Keep in mind that grandparent-owned 529 plans have a different impact on eligibility for need-based financial aid than parent-owned 529 plans. Here’s what you need to know if you’re interested in a grandparent-owned 520 plan. 

What To Know If You’re An Account Holder

If you’re a grandparent, there are several reasons why you may or may not want to be the account owner. The most important factors of account ownership include tax implications, financial aid, and estate planning. 

  • You are in control of the funds: By serving as the account owner, as opposed to contributing to a parent-owned 529 plan, the grandparent retains control over the account. This might be necessary to ensure that the money is spent for the grandchild’s benefit if the parents are spendthrift.
  • You can tap into the funds if you need it: You can take back the money from a 529 plan account as a non-qualified distribution, if necessary. 
  • Tax benefits: You may need to be the account owner to claim a state income tax break.
  • You don’t need a ton of info to open an account: The grandparent can keep the plan a secret from the parents and grandchildren to surprise the family when they announce they’ve saved for the grandchild’s college education. All you need to know is the grandchild’s date of birth and Social Security Number to open the account.

The Impact On Your Taxes

Two-thirds of states offer an income tax deduction or tax credit based on contributions to the state’s 529 plan. In the following 10 states, the taxpayer must be the account owner (or spouse of the account owner) to claim a state income tax break.

  • Iowa
  • Massachusetts
  • Missouri
  • Montana
  • Nebraska
  • New York
  • Rhode Island
  • Utah
  • Virginia
  • Washington, D.C.

Find your state in our 529 plan guide and see what tax deductions or credits are available for you >>

529 Plans Provide Significant Estate-Planning Benefits

Contributions to a 529 plan, up to the annual gift tax exclusion, are immediately removed from the contributor’s estate, even if the contributor retains control over the 529 plan as the account owner. 

How Much You Can Gift Per Year Without Being Taxed 

A five-year gift-tax averaging, also known as superfunding, allows contributors to give a lump-sum contribution up to five times the annual gift-tax exclusion and have it treated as occurring over a five-year period. 

For example, you can give up to $90,000 (5 x $18,000) per beneficiary or you and your spouse can give up to $180,000 per beneficiary. 

A portion of the gift is removed from your estate each year. Giving a lump sum allows the beneficiary to immediately invest the full amount, instead of just a fifth of the amount each year.

See more on 529 plan contribution limits here.

Earnings Accumulate On A Tax-Deferred Basis

Qualified distributions are entirely tax-free. Qualified distributions include amounts spent on college costs, such as:

  • Tuition and fees
  • Books
  • Equipment such as computers, software, Internet access
  • Room and board (if enrolled at least on half-time basis)
  • Special needs expenses

Qualified distributions may also be used to pay for up to $10,000 per year in elementary and secondary school tuition. 

Qualified distributions can also be made to repay up to $10,000 in the beneficiary’s student loans and $10,000 for each of the beneficiary’s siblings. (With a change in beneficiary, the 529 plan can also be used to repay up to $10,000 in parent loans.) The $10,000 limit is a lifetime limit per borrower, regardless of the number of 529 plans. 

The earnings portion of a non-qualified distribution is taxable at the recipient’s rate, plus a 10% tax penalty. The recipient may be the beneficiary or the account owner.  Here are some commonly asked expenses that are non-qualified distributions:

  • Admissions testing fees
  • College application fees
  • Travel and transportation costs
  • Health insurance

The tax penalty is waived if the beneficiary has passed away, is disabled or received:

  • A tax-free grant or scholarship such as the American Opportunity Tax Credit (AOTC), Lifetime Learning Tax Credit (LLTC)
  • Attended a U.S. military academy
  • Veterans educational assistance 
  • Employer-paid educational assistance up to the amount of the education benefit

Generation-Skipping Transfer Taxes

When a grandparent contributes to a 529 plan for a grandchild, they may be subject to Generation-Skipping Transfer Taxes (GST). 

GST occurs when the beneficiary is 37.5 years younger than the donor. However, GST does not apply if the grandchild’s parents are both dead. GST is subject to the same exclusions and exemptions as gift taxes. In particular, the $18,000 annual gift tax exclusion and 5-year gift tax averaging applies. 

If you want to give more, you will use up part of your lifetime exemption, which was $13.6 million in 2024 ($27.2 million for a couple). 

Most people will not have to pay GST or gift taxes. However, if you give more than $18,000 to a beneficiary in a single year, you will need to file a U.S. Gift (and Generation-Skipping Transfer) Tax Return, IRS Form 709.

Impact on Financial Aid

The financial aid impact depends on who owns the account, which affects how the 529 is reported as an asset on the Free Application for Federal Student Aid (FAFSA), and how distributions are reported as income on the FAFSA. See the following table to understand ownership, how it’s reported on the FAFSA, and how qualified distributions are counted. 

How It’s Reported On FAFSA

Dependent Student’s Parent

Anyone Else: Grandparent, Aunt, Uncle, Non-Custodial Parent

Not reported as an asset 

In all cases, the earnings portion of a non-qualified distribution is included in adjusted gross income (AGI) on the recipient’s federal income tax return. Therefore, it’s reported as income on a subsequent year’s FAFSA.

How 529 Plan & Distributions On FAFSA Affects Student’s Eligibility For Need-Based Financial Aid

Parent assets reduce eligibility for need-based financial aid by as much as 5.64%. Student assets reduce eligibility for need-based financial aid by as much as 3.29% if the student has dependents other than a spouse. It is reduced by 20% if the student does not have dependents other than a spouse.

Qualified distributions from a grandparent-owned 529 plan no longer have an impact on eligibility for need-based financial aid. The same applies for a 529 plan owned by anyone else.

This means that grandparent-owned 529 plans will not be reported as an asset and qualified distributions will not be reported as income on the FAFSA. (Non-qualified distributions will continue to be included in income.) FAFSA Simplification eliminates the cash support question, which is where untaxed income to the student was previously reported. 

Examples

For example, if there is $10,000 in a 529 plan owned by a dependent student or the dependent student’s parent, it will reduce the student’s aid eligibility by up to $564. 

If the 529 plan is owned by an independent student, it reduces aid eligibility by up to $2,000. 

If the 529 plan is owned by a grandparent, there will be no reduction in aid eligibility. 

Want to learn more about 529 plans? Check out our ultimate guide. 

More information about 529 plans can be found in IRS Publication 970

The statutory language concerning the tax treatment of 529 plans can be found in the Internal Revenue Code of 1986 at 26 USC 529. 

The statutory language concerning the financial aid treatment of 529 plans can be found in the Higher Education Act of 1965 at 20 USC 1087vv(a)(B)(2) and (f)(3).

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The CDC Recently Declared Watercress to Be the Healthiest Ve…

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You have a wide range of vegetables to choose from on a regular basis, but research shows that there’s one that’s particularly good for you: watercress. 

This leafy green has been deemed the healthiest vegetable by the Centers for Disease Control and Prevention (CDC), with an impressive nutrient density score of 100 out of 100. But watercress isn’t just ranked the healthiest vegetable: It beat runner-up Chinese cabbage by more than eight points.

Nutritionists aren’t shocked. “I can believe that watercress is the ‘healthiest’ vegetable,” says Dana Ellis Hunnes, Ph.D., a senior dietitian at UCLA Medical Center and assistant professor at the UCLA Fielding School of Public Health. Among other things, Hunnes points out that this is a “nutrient-dense” food. 

Given that watercress isn’t a staple in most American fridges, it’s understandable to have questions. Here’s why this vegetable is so healthy, plus how to get more of it on your plate.

What is watercress and what makes it so healthy?

Watercress is a type of cruciferous vegetable that belongs in the same family as kale, broccoli, Chinese cabbage, arugula, and Brussels sprouts, says Rachel O’Connor, R.D., C.D.N., a dietitian at NewYork-Presbyterian/Columbia University Irving Medical Center. It’s also an aquatic flowering plant (hence, the name) and grows in shallow water or damp soil, Hunnes says. 

Watercress got top honors thanks to its perfect nutrient density score. “Nutrient density is the ratio of nutrients in a food to the amount of energy — or calories — it provides,” O’Connor says. “A nutrient density score is essentially a numeric value given to rate how nutritious certain foods are.” The more nutrient-dense a food is, the more vitamins, minerals, and antioxidants it has per calorie per gram, Hunnes explains. 

Watercress has a few compounds, including 3,3′-diindolylmethane (DIM) and sulforaphane, which have been linked to a lower risk of cancer, O’Connor says. The vegetable is also rich in vitamin K. While watercress contains fiber, the levels of the nutrient aren’t as high as they are in some fellow cruciferous vegetables. One cup of cooked broccoli, for example, will provide around 5 grams of fiber, while one cup of watercress provides less than 1 gram. “Fiber is an important component to our diets for numerous reasons, so watercress should definitely not be the only cruciferous vegetable one eats,” O’Connor says. 

Do any other vegetables come close?

The CDC’s study lists out more than 40 so-called “powerhouse” fruits and vegetables. While watercress was the only one that received a perfect score, the runners-up are also worth noting. Those include:

  • Chinese cabbage (91.99 points)
  • Swiss chard (89.27 points)
  • Beetroot (87.08 points)
  • Spinach (86.43 points)

How much watercress do you need to eat?

It is generally recommended that you have four to five servings of fruits and vegetables a day, and four to five servings of cruciferous vegetables a week. But you can have watercress as much as you’d like, Hunnes says. “You could eat one cupful at a time,” she says. “You could eat it more often or less often, too.”

While you can cook watercress, it may be better to have it raw to reap the full benefits. “Watercress, like other vegetables, loses some vitamin C and B vitamins when cooked,” O’Connor says. “Vitamin C is water-soluble and sensitive to heat, and it can leach out of vegetables when they are exposed to hot water. B vitamins are similarly heat-sensitive.” So, use it as a base for salads, toss it in a sandwich, or sprinkle it on top of a stir fry for added nutrition.

No matter how you prepare it, Hunnes stresses that you should have more than just watercress. “Even if it is the healthiest of all vegetables, it’s still better to eat a wide range of vegetables and fruits than to just stick with one,” she says. “That allows you to get a fuller complement of nutrients.”

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