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Meeting Invitation
Meeting Invitation


    Millie Zemlak Millie_Zemlak
    (NewsUSA) - Owning a home is a huge investment, and once they've owned long enough to build up equity, many homeowners opt to leverage the equity for other uses. But if you're on the fence about taking on another monthly loan payment, an option that may be right for you is co-investing.

    With a home equity loan, you borrow against the equity in your home and receive a lump sum of money that you have to pay back each month over a specified term - commonly 15 years. The interest rate is usually fixed, but is typically higher than your primary mortgage.

    Co-investing offers an alternative to traditional home equity loans. In a nutshell, the co-investing company pays the homeowner an upfront amount, with no repayments for a set number of years, or until the home is sold, whichever comes first. There may also be an option to buy the company out, after a minimum restriction period passes. This option can be ideal for a homeowner who wants access to cash without the added financial burden of monthly loan payments, who has lived in a home long enough to build up some equity, and plans to stay at least another five years.

    Unison, a San-Francisco-based real estate company, is a leader in the growing field of co-investment. Unison offers homeowners a cash payment of up to 17.5 percent of their home's current market value. When the house is sold or 30 years pass, the owner pays Unison an amount equal to the initial co-investment, plus (or minus) a percentage of the home's appreciated (or depreciated) value.

    Here's an example: A homeowner whose home is currently worth $500,000 and who needed $25,000 in cash (5 percent of the home's value) would repay an amount equal to $25,000 plus 25 percent* of the amount the house appreciates in value during the time of the co-investment. With a larger co-investment, the company receives a larger share of the appreciation in value.

    Homeowners can use their cash for anything, but Unison recommends something of long-term value, such as kids' college tuition, medical expenses, home remodeling, or investing in diverse stocks and bonds.

    Other benefits of co-investing: Keeping gains from remodeling work and keeping the equity built from prompt mortgage payments.

    Being a good candidate for homeowner co-investing is not so different from being a good homeowner generally. Unison requires that homeowners keep the home as their primary residence; stay current on payments for mortgages, property tax, and homeowners' insurance; keep the home well-maintained to retain and increase value; and keep Unison informed of issues, such as remodeling plans or emergencies, such as natural disasters, bankruptcy, or plans to sell the home.

    To find out how Unison can help you get the most out of homeownership, visit unison.com.

    *This is a possible percentage for illustrative purposes. The actual percentage varies based on the specific HomeOwner transaction.

    Ref: Housework - in Blogs
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    Millie Zemlak Millie_Zemlak
    Travelers who are seeking serenity as part of their quintessential Caribbean luxury resort experience will find their perfect getaway at Calabash Cove.

    With a secluded beachfront location on the northwest (or Caribbean) side of the coast of the island of St. Lucia, Calabash Cove offers privacy and luxury for adults only.

    The Calabash Cove guest list includes singles and couples, some honeymooners, some celebrating an anniversary or other special event, and others looking for a simple but elegant getaway with some personal space and well-prepared meals. Visitors come from the United States, Canada, Europe, and around the world.

    The resort and spa is a full-service resort: the optional Unconditional All-Inclusive package covers all food and drinks including room service, daily specials, an in-room bar, lobster when in season, and more than 20 wines by the bottle from the resort's extensive wine list. Tips and Wi-Fi are included as well.

    Part of the resort's appeal is its promise of intimacy - only 26 suites, all with a king bed, Jacuzzi, double vanity, rain shower, private balcony or patio, ocean view and cable TV. The resort is built along a sloping hill and was designed to complement and harmonize with the natural surroundings and offer guests full benefit of ocean breezes and sunset views.

    The property includes a private beach with nearby coral reef, as well as tropical gardens and groves of trees to set the scene for reflection and relaxation.
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    Millie Zemlak Millie_Zemlak
    (NewsUSA) - Most of us can't imagine life without Internet service at home. We use it every day for news and entertainment, as well as to research healthcare options for our families; to connect with friends and family; to search and apply for jobs, scholarships, or schools; or to shop and save time.

    Unfortunately, many low-income households in this country aren't connected and they're missing out on the life-changing resources the Internet has to offer.

    According to the U.S. Census American Community Survey, 81 percent of U.S. households have broadband Internet access, but only 63 percent of those with annual incomes of less than $35,000 do.

    For the past seven years, Comcast has been on a mission to do something about this so-called "digital divide" through its acclaimed Internet Essentials program, which has become the largest broadband adoption program for low-income families across the U.S.

    The program has had an enormous impact on families and their children and, since its inception, more than six million low-income Americans have been connected.

    To put that in perspective, six million people is larger than the populations of each city in America except New York City. While the numbers can be numbing, the individuals who have benefitted all have their own stories to tell.

    "Low-income people face problems when it comes to accessing technology and a lot of people are left behind," says Pam Ogglesby, an Internet Essentials customer.

    "I signed up for the program and I now see what I was missing. I feel connected now and it's all because of Internet Essentials. I think this is going to change my life drastically. I intend to use the Internet to learn new things."

    In the beginning, Internet Essentials was offered to low-income families with children eligible to participate in the National School Lunch Program. Eligibility has also been extended to low-income seniors in more than a dozen markets, as well as to those households receiving HUD-housing assistance, which includes HUD's Public Housing, Housing Choice Voucher, and Multifamily programs.

    This year, the company is expanding eligibility again to low-income veterans living within the Comcast service area. About a third of the veterans in the U.S. do not have Internet access at home, and only about 60 percent even own a computer, according to the U.S. Census American Community Survey, creating a need for better options for the veteran community. As a result, more than one million veterans across Comcast's footprint are estimated to be eligible.

    Comcast's Internet Essentials program works with community partners to break down the main barriers to Internet access - lack of affordable service; lack of a computer or other device; and lack of digital training by providing high-speed Internet service for $9.95 a month plus tax, the option to purchase an Internet-ready computer for less than $150, and free digital literacy training in print, in person, and online.

    To apply, visit www.internetessentials.com/apply, or call 1-855-846-8376. For Spanish-only speakers: call 1-855-765-6995.

    Ref: Courses - in Blogs
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    Millie Zemlak Millie_Zemlak
    (NewsUSA) - In the past few weeks, it has become clear that social distancing and quarantining are the new normal. This is an overwhelming time as we attempt to adjust our mindsets and schedules - between working from home, watching after the kids, keeping up with the news, and maintaining sanity, it can be a challenge to prioritize your physical and mental health. Here are some tips on how to stay active in these strange and unprecedented times.

    Make a plan

    It's always easier to commit to a healthy habit if you make it part of your routine. At the beginning of each week, take a look at your schedule and find those windows where you could realistically squeeze in a workout. Set a reminder on your phone or even add the workout to your calendar to keep yourself accountable.

    Try a meal delivery service

    It may be difficult to cook healthy meals every day, especially if you can't get what you need from the grocery store. Having healthy food delivered safely to your door can alleviate the stress and hassle of cooking, plus having healthy options in the house will keep you from overeating and reaching for junk food. South Beach Diet, for example, offers fully nutritionally balanced, prepared meals and snacks that make it easy to keep your diet on track.

    Take breaks from work

    It can be tempting to sit around all day while you're working from home, but don't let yourself stay sedentary for too long. Get away from your workspace and move around every hour or so to get your blood flowing. This will help you to stay sharp and healthy during social isolation. If you're taking a phone call, stand up and allow yourself to pace around. Try to get up every hour and take a few steps around the house, stretch, or even do a few jumping jacks.

    Stream, stream, stream

    As gyms and workout studios are necessarily closed for the moment, many fitness brands and instructors are using Instagram live to hold virtual classes. If you have a favorite local studio or a favorite instructor, check out their website or social media to see if they are hosting any online classes. Many fitness brands are also offering extended free trials to access their libraries of workout videos.

    Go for a walk or run

    Of course, we are all limiting our trips outside to the grocery store, gas station, or anywhere else we might come in close contact with others. But if you are able to safely run or walk while keeping distance from your neighbors, those are great options for staying active, clearing your mind, and getting some fresh air.

    "It's so important to find those moments of joy outdoors while we're all social distancing," says Jessie James Decker, mother of three and South Beach Diet brand ambassador. "Whatever that means for you - whether it's a stroll around the neighborhood with the kids or a long run to clear your head - you'll feel so much better if you make the time for it."

    Keep your mind active

    Just as our bodies need physical activity to stay healthy, our minds need stimulation (beyond reality TV binge sessions) to stay sharp as well. Group activities such as board games or puzzles are a great option for keeping your mind sharp while clocking some quality time with your family or roommates.

    For more tips on how to stay healthy and active while social distancing, check out https://palm.southbeachdiet.com.

    Ref: How To - in Blogs
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    Millie Zemlak Millie_Zemlak
    (NewsUSA) - Every holiday season has its hot tech item -; from smartwatches to game consoles and now to folding drones.

    Drones can give you the bird's-eye view that makes any video look engaging and exciting, mostly because that perspective hasn't been possible until drones came about. One of the biggest problems people have had with drones is that they are typically so difficult to carry around and take on adventures.

    Cue the folding drone, first launched by GDU in 2015 and recently copied by DJI and GoPro. This design lets anyone take a drone along in a backpack or small bag -- portability solved!

    But does a folding drone answer all the problems with drones today? Not quite. If you only plan to use a drone for a quick video or two, the DJI Mavic might be a decent choice for the holidays. But if you plan on using the drone for different photography and videography projects, or if you simply enjoy flying a drone, you'll want to look for something that has a lot more power and the ability to change out gimbals and cameras.

    Enter the GDU Premium Byrd -- the first and only drone that has a folding design, a high-end 4K camera, the ability to swap out cameras and even carry DSLRs and mirrorless cameras for a true "future proofing" ability. They call this the Universal Flying Platform. And with GoPro recalling their Karma, the Byrd is the only folding drone that also works with a GoPro.

    "All consumer-level drones are developed for only one camera, but not the Byrd. GDU will continue to create new gimbal packages to keep the Byrd "future proofed." They simply don't want people to have to buy a new drone to use a new camera you might buy: that's the philosophy behind the 'flying platform' approach," states Nicolia Wiles, GDU Director of Digital. "You shouldn't have to keep buying $1K drones you don't need just to use a different camera. When you buy a GDU Byrd, you only invest in a drone once, and can save your money for buying cameras you want to try. No other consumer drone manufacturer offers this."

    The Premium Byrd provides for 29 minutes of flight time, with a guaranteed 1000-meter video downlink system included in the shipped model (no additional downlink technology needed) and also offers a more advanced OFDM system, compared to WiFi transmission in the Standard model. The Price of the Premium Byrd model is $999.00. Dealer information can be found here: https://www.amazon.com/dp/B01N2GCOSP.

    Ref: Crazy - in Blogs
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    Bob Mccullough bobm


    How the National Media Messed Up the Mavs Predictions
    by Bob McCullough 6/14/24






    Go into the recent archives of any major sports site, and you'll find a lot of names who should be embarrassed about their predictions for the Mavs-Celtics series. And they're not just the names of those who happened to cover the Mavs.


    The prediction split was close to 50/50. Maybe 60/40 in favor of the C's, which felt reasonable going into the Finals. Now it seems a little ridiculous.


    So what went wrong? Let's take a closer look at why the national media especially fell for the Dallas storyline, for it embodies a lot of what's wrong with sportswriting today and NBA coverage in particular.


    **** Mavs Story Lines


    This one's at the top of the list. Writers love superstars, and the NBA's entire culture is built around them. The old ebony/ivory combination of Kyrie Irving and Luka Doncic was irresistable as a result, especially given the story lines.


    Start with Irving, a fascinating wack job who's been shooting his career in the foot for a long time now. After getting in trouble for spewing anti-Semitic nonsense, breaking up teams, getting coaches fired and conveniently missing games due to his anti-vax rhetoric, Irving somehow managed to resurrect his career and transform himself into a supposedly responsible NBA elder in Dallas. It's the ultimate redemption storyline.


    If you really believe that I have deeds to several bridges I can sell you, but in a basketball context Doncic may be even worse, which hardly seems possible. He's the most offensively gifted player of his generation, and yet, to use the words of Bob Cousy, he "looks like a truck driver."


    Which is Cooz-speak for Luka being fat and out of shape, especially for a professional athlete, and the Celtics have relentlessly exploited that flaw. Add in the fact that he goes after the refs on EVERY play, and he's pretty sickening to watch, even with his incredibly skill set. That doesn't stop the writers from relentlessly loving the highlight plays; that's what they do.


    J's Fatigue


    This one's right up there, too. NBA writers especially are sick of writing the same old rivalry stories about Jason Tatum and Jaylen Brown, i.e., who's better, who gets paid more, who cares more about winning vs endorsements and brand, and so on.


    Not surprisingly, the rest of us are just as sick of reading them. Even more so now that' they've become largely irrelevant. Whatever their differences were--and there likely were differences, rest assured--they've worked them out to get to within a game of their first title.


    ** hum.


    What Matters About the Mavs Previous Opponents


    This one hasn't been explored as much, but it's relevant. National writers especially saw three glamour teams in the Clippers, the Thunder and the Wolves, which wasn't exactly the case.


    Start with the Clippers. They were always a shell of a team with lots of older star power--Kahwi, Paul George, the artist formerly known as Westbrick. Without a healthy Leonard, however, that formula was yesterday's news, as the Mavs quickly proved. Simply put, it was a hidden mismatch.


    On to the Thunder. This one's slightly more interesting. OKC surprised everyone with a first-round sweep over a New Orleans shell team supposedly "led" by the ever injured and absent Zion Williamson, which led to the assumption that they were ahead of the curve when it came to being playoff ready.


    Dallas exposed them as a bit of a donut team without enough secondary scoring after SGA, giving Sam Presti a solid blueprint for what he needs to fix going forward. The Thunder are one of the few teams where "watch out for them next year" carries a lot of weight.


    Lastly, the Timberwolves, who have one of the most oddly mismatched rosters in recent memory. They were perfectly constructed to stop the Nuggets, however, with two seven-footers available to get Nicola Jokic off his game. Against the Mavs, though, young Anthony Edwards was exposed as far from Finals-ready, and KAT came off once again as a seven foot scorer who sometimes plays at 6'6" under pressure.


    What Now For the Mavs?


    This one's simple, at least on paper--get Luka in shape, and convince him to play a nominal amount of defense. According to reports, though, Dallas has been trying to get him to do this for years, so that's where the "on paper" part comes in.


    They also need him to grow up. Luka's referee theater routine grew thin when he was exposed to a team with two All-Defense defenders, and at least two more who should be considered for that roster. Whining about fouls is fine when you have inferior defenders, but it doesn't hold water when athletes like Jaylen Brown and Jrue Holiday are in your grill taking options away.


    Finally, the Mavs need a third scorer. Badly. They got by with guys like PJ Washington and Derrick Jones this year, but bargain basement options like that almost always wilt like March daffodils when the playoffs roll around in April, May and June. The future's still bright in Cuban Land, but it's going to take some serious attitude and personnel adjustments to get Luka, Kyrie and company over the top.
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    Alkuansinta Rohman alkocoko
    Beyond Ordinary Beaches: Solo Camping at Bukit Pengilon, Gunung Kidul, Yogyakarta

    Have you ever found yourself sitting idle, wondering where to go for your next adventure? The beach sounds appealing, but you want something different from the typical coastal experience. If this resonates with you, then you're in the same boat as I was, and I have the perfect solution to share.
    Currently staying in Yogyakarta, I decided to explore one of the region's coastal gems. Yogyakarta is renowned for its stunning beaches, particularly in the Gunung Kidul area, which has undergone massive road infrastructure development in recent years. Access to Gunung Kidul from Yogyakarta city has become remarkably convenient and relatively quick. Among the coastal destinations in Gunung Kidul, my choice this time was Bukit Pengilon Beach.

    A Beach Unlike Any Other
    Bukit Pengilon isn't your typical Gunung Kidul beach with pristine white sand perfect for water activities. Instead, it offers a breathtaking panorama of ocean views, coastal landscapes, rolling hills, and dramatic cliffs. The seascape from this vantage point is absolutely captivating, and I can confidently say that Bukit Pengilon ranks as the most beautiful beach in Yogyakarta. If you're visiting Yogya, you must experience this destination at least once.

    My Solo Camping Adventure
    My beach getaway took place on May 30, 2025, and I planned an overnight camping trip to fully immerse myself in Bukit Pengilon's stunning scenery. This was a solo camping adventure, as none of my friends were available to join me at the time. I frequently embark on solo outdoor activities like camping because I genuinely enjoy the tranquility and peace that nature provides.

    Getting There
    My journey began from Kaliurang, Sleman, Yogyakarta at 5:30 AM, arriving at Bukit Pengilon by 8:00 AM. The 2.5-hour drive passed smoothly despite moderate traffic conditions.

    Bukit Pengilon is accessible by both motorcycle and car, though cars cannot reach the main entrance directly. Car travelers must park at the designated area before the tourist site and either walk or hire local ojek (motorcycle taxi) services provided by village residents. The route from the parking area to the tourist site is quite challenging and steep, so motorcyclists should exercise caution.
    Cost breakdown:

    Beach area entrance: IDR 8,000
    Overnight motorcycle parking: IDR 10,000
    Tourist site entry: IDR 2,000
    Camping fee: IDR 20,000

    Optimal Visiting Times
    The best times to visit Bukit Pengilon are during morning or late afternoon hours. Morning visits offer cooler sunlight and optimal lighting conditions for photography enthusiasts. As the sun climbs higher, temperatures can become uncomfortably hot for some visitors. Midday photography isn't ideal due to harsh lighting that diminishes the coastal panorama's visual impact.
    If you have ample free time, consider staying until sunset, as the evening panorama is truly enchanting, especially by Yogyakarta standards.

    The Magic of Overnight Camping
    For those with extended leisure time, I highly recommend experiencing this beach through overnight camping. Spending a full night at the coast proved surprisingly delightful and beautiful. You can enjoy your time while gazing at billions of stars overhead, accompanied by the rhythmic symphony of crashing waves.

    Stargazing Paradise
    Astrophotography enthusiasts will find Bukit Pengilon an excellent choice for pursuing their passion. The starry panorama at Bukit Pengilon is absolutely magnificent. You can observe various stellar constellations including Scorpion, Ursa Major, and many others. Such pristine starry views are increasingly rare in Yogyakarta, particularly in urban areas where light pollution obscures celestial visibility.

    Why Bukit Pengilon Should Be Your Next Destination
    After reading this account, I'm confident you'll be inspired to make this beach your next travel destination in Yogyakarta. Bukit Pengilon offers a unique coastal experience that transcends ordinary beach visits, combining natural beauty with adventure and tranquility.

    Whether you're seeking stunning photography opportunities, peaceful solitude, or an unforgettable stargazing experience, Bukit Pengilon delivers an extraordinary coastal adventure that will leave lasting memories.
    Have you had similar experiences or questions about visiting Bukit Pengilon? Feel free to share your thoughts in the comments below!
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    Millie Zemlak Millie_Zemlak
    (NewsUSA) - Beauty, like health, goes beyond the visible surface. While many of us manage our wellness via diet, exercise and check-ups, we don't apply the same 360-degree approach to our beauty regimen. It's possibly due to lack of viable options.

    Neauvia International Group recognizes this incongruity and aims to transform the way we practice beauty and solve skin care challenges by extending its premium energy-based devices into the United States.

    In the hands of trained medical aesthetics professionals, Neauvia devices leverage sophisticated technology such as thermo-lifting and water peeling to deeply target your areas of concern. With years in the global skin care market, Neauvia's approach pairs this advanced technology with specially formulated skin care for remarkable results.

    "Over a decade of Neauvia's international skin care success has taught us that a single product does not meet the overall demands of and desired outcomes for patients or providers," says Sean Wilson, President of newly launched Neauvia North America. Best-in-class treatments do, however. They also require training and certification. So, take time to research your local plastic surgeons, dermatologists, aestheticians and med spas because they offer you access to these revolutionary non-invasive treatments that are not available for home use, and to professionals qualified to use them. They'll work with you to customize an optimal treatment plan to achieve your desired results.

    Often, using multiple technologies per session yields a marked difference. The Zaffiro treatment combines thermo-lift technology with the gentle exfoliation of water-resurfacing and specific solutions for your skin type and desired results. It delivers lifted, tightened and hydrated skin with less visible lines and wrinkles.

    Energy-based devices strengthen and surpass home treatments. Let's say you love the fresh feeling and smooth, even texture of your skin after you do an at-home face scrub. Try adding a water-peeling facial like the Zaffiro treatment once a month for more deeply cleansed and revitalized skin.

    Treatments can rejuvenate beyond your face and neck. Zaffiro's thermo-lift technology gradually heats the deep layers of the skin, stimulating collagen and prompting lifting and tightening effects. It can be applied to tighten the décolleté and upper arm skin, give the tummy and derriere a firm appearance and even help tighten up post-pregnancy belly skin.

    Innovative energy-based devices can yield beautiful effects by working with the body's natural functions in a way that is safe, reliable, and non-invasive. They're less costly and require little to no downtime. This makes them an excellent way to fine tune your appearance and delay signs of aging without a lengthy recovery time. In fact, many of these innovative treatments provide results when done over a lunch hour! Dr. Joshua Weitz, MD, CEO of Dermatology Associates of Rochester sees them growing in appeal and use. "The non-invasive market is the future, and I anticipate Neauvia will be a guiding light in providing exceptional solutions," Weitz says.

    A well-rounded skin routine ensures that your actions - daily, monthly, over time - compound for outstanding outcomes. Incorporating treatments using Neauvia energy-based devices is simple yet addresses the complexity of your skin and helps attain your best overall skin health and appearance.

    Ref: US - News
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    Bakhtawar Ahmed bakhto22
    The Importance of Breakfast

    In today's fast-paced world, maintaining a healthy lifestyle can often feel like a daunting task. However, one of the simplest yet most impactful habits you can adopt is starting your day with a nutritious breakfast. This small act not only sets a positive tone for the rest of your day but also provides numerous health benefits that contribute to your overall well-being.

    Why Breakfast Matters
    Breakfast is rightly hailed as the most important meal of the day for several reasons. After a night of fasting, your body needs essential nutrients to replenish its energy reserves and kick-start your metabolism. A balanced breakfast fuels your body and mind, improving concentration, mood, and productivity throughout the day. Research consistently shows that people who eat breakfast are more likely to maintain a healthy weight and make better food choices later in the day.

    Components of a Healthy Breakfast
    A healthy breakfast should include a variety of nutrients to ensure optimal functioning:

    Complex Carbohydrates: Whole grains like oats, whole wheat bread, or quinoa provide sustained energy and fiber, which aids digestion.

    Protein: Eggs, yogurt, nuts, or lean meats offer essential amino acids that help repair and build tissues, support immune function, and keep you feeling full longer.

    Healthy Fats: Avocado, nuts, seeds, and olive oil provide essential fatty acids that support brain function and heart health.

    Fruits and Vegetables: These are rich in vitamins, minerals, and antioxidants crucial for overall health and disease prevention.

    Tips for a Balanced Breakfast
    Plan Ahead: Prepare breakfast items the night before to save time in the morning.

    Avoid Sugary Foods: Opt for whole fruits instead of fruit juices or sugary cereals to avoid spikes in blood sugar levels.

    Hydrate: Start your day with a glass of water to hydrate your body after hours of sleep.

    Listen to Your Body: Eat when you feel hungry, and pay attention to portion sizes to avoid overeating.

    Incorporating Breakfast into Your Routine
    If you find it challenging to eat breakfast due to time constraints or lack of appetite in the morning, start with small, manageable portions. Smoothies packed with fruits, vegetables, and protein are convenient options for those on the go. Alternatively, try incorporating breakfast foods into your mid-morning snack, such as yogurt with granola or a piece of whole fruit.

    Conclusion
    By making breakfast a priority in your daily routine, you not only enhance your physical health but also boost your mental and emotional well-being. Remember, a healthy lifestyle is built on consistent habits, and breakfast is a cornerstone that sets the tone for the rest of your day. Embrace this simple yet powerful practice, and watch as it transforms your energy levels, focus, and overall quality of life.
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