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Meeting Invitation
Meeting Invitation


    Wendy Minore wendy_minore04
    Just me writing my little story! It's a coming of age story about a girl graduating from high school and not being sure where to go from there. Her family and friends help her out with a little bit of chaos and a lot of luck!

    “T! Can I borrow your notes for French?” Hailey fluttered her eyelashes at me and gave me her most winning smile, knowing that my notes were at least twenty times better than hers. I rolled my eyes and reached for my bag. I was ready for the French exam later, it was on my study schedule to be way beyond prepared. I started studying months ago so that I could get all of my sleeping in. Of course, Hailey almost never sleeps.
    “Oh my gosh, girlie hand them over,” speaking of not sleeping, Evelyn had just walked over and was holding her hand out to me. I’m not sure how Evelyn ever slept, since she ran with me every morning at 5 am and she was on every sports team that she could fit into her schedule, plus some advanced classes.
    “Hey, hey, no! I asked first!” Hailey gave a pouty look, her lip out and her eyes big. With her tiny frame and overly stunning blue eyes she looked adorable, but I knew that Evelyn probably needed the notes more. She struggled with French, and Hailey had had me and Cardan there to help her all year. Evelyn and I had only become friends a couple of months ago, despite having run the same route together everyday for the past four years.
    I shoot Hailey a sympathetic smile and pull out my red notebook with Iron Man stickers coating it and hand it to Evelyn.
    “Eek! You’re the best!” She planted a kiss on my cheek, which earned me a jokingly jealous look from Hails. Honestly, I couldn’t blame her either. With her perfectly clear brown skin and her hair always done up in some sort of cute braids, Evelyn was one of the prettiest girls in our grade. Of course, she was also a sweetheart and therefore sat down on the couch next to Hailey so that they could review together. Hailey started chattering with Evelyn about something or another as I closed my eyes, drifting off to sleep.

    “Pencils down!” Madame Saker’s yell startled me awake and I heard a small, stifled chuckle from Cardan, who was sitting next to me. I wiped the little bit of drool off of my face and shot him a quick glare, but by the time I looked over, he was already staring at his exam again, his lower lip firmly stuck between his teeth. Honestly, at this point it’s a miracle that he still has lips with how often he gnaws on those things. We start passing our tests forward and I toss my pencil onto his desk to get his attention. When Cardan looks over at me, his brow is furrowed and he looks moments from a panic attack. I throw him a thumbs up and a questioning face and he gives a despairing shrug. Cardan is actually one of the smartest kids in our grade, but he never believes he did well on literally anything. I know that the five seconds between our tests getting to her and Madame dismissing us could be vital to Cardan’s mental state, so I reach over and grab his hand. It’s shaking, but he intertwines his fingers with mine and takes a breath deep enough that people across the world could have seen it. He squeezes my hand right as Madame calls that we can leave. The bell won’t ring today because it “disturbs the mind of a studying student”. Basically, the headmaster thinks that anyone who is currently studying and not in an exam will be startled really badly by the bell, even though we are all expecting it.
    Cardan releases my hand with a small smile and grabs his bag. No one else in the room has theirs except for Hailey who is already pulling out her dance notebook. I grab my pencil from Cardan’s desk and tuck it into my ponytail as I walk over to Hails, Cardan trailing behind me.
    “So, T, how did you do? Cause I think that I messed up the conjugation of être on the fifth question, but it was a fill in the blank, and if that’s all I messed up, we’re totally fine… Do you think that I could run tendus twice today without some of the younger kids getting annoyed? It really helps their turnout, but they also complain sometimes…” Her tongue appears between her teeth as she scribbles in her notebook, completely lost to the rest of us now. Cardan and I exchange an eye roll over her head. Surprisingly easy, considering that she stopped growing in like fourth grade at 4’ 10”.
    “Thanks for the notes Tiana, they really helped!” Evelyn bumps my shoulder lightly as she walks past and I wave goodbye to her before placing a gentle hand on Hailey’s back and scooping up her bag, steering her in the direction of the common room. She continues mumbling under her breath as Cardan pulls out a book and follows behind us, already lost to the world as well.
    By the time we reach the common room, I’ve had to steer the two of them to avoid five different people rushing around and at least three people who tried to talk to them about the exams we’ve taken. Of course, neither of them know this, and both collapse on a couch to continue what they were doing, giving me the room to climb between them and take a nap with my head on Cardan’s lap and feet on Hailey’s.

    It’s Hailey who wakes me up about an hour later in order to remind me that we need to change for the parties later tonight. Since we’re seniors, we kind of get a free pass to go to every single end-of-year party, and Hailey is also friends with everyone, so she has people to see at all of them. Cardan takes this as his cue to leave, and kisses both of us on the forehead before heading upstairs to his room. He’s probably packing up his cat’s supplies for the trip home tomorrow. I’ll have to leave hails at some point tonight to check up on him before he gets too in his head about going home.
    “So, what are we thinking? I know that the soccer girls always wear their jerseys, but like cropped or bedazzled or whatever you guys do to them, but I don’t think that you can wear that to every party… Or maybe we could stop back here and change between that and other parties. Well, I wouldn’t want people at the parties to notice you changed, since that might be a little weird. Oh! Can you do my hair for tonight? I can’t just wear it in a ballet bun like usual, since that is what I do all the time. Oh my gosh! Did I send out the message to remind the kids that classes are canceled tonight?” Hailey continued rambling, thankfully remembering that she did actually send out the reminder, several of them actually, as I steered her to our bedroom. She flopped back on my bed, still talking, as I slipped out of my leggings and tank top and into a pair of ripped skinny jeans with my purple and red jersey that Hailey had stitched into a crop top and bedazzled the number 8 on the back. She was still talking as I shoved my clothes in my laundry hamper, so I grabbed one of her decorative pillows that was on the floor and threw it at her.
    “What?” Hails sat up, and finally looked at me, a cute blush coloring her cheeks as she realized I was already changed. “Are you gonna take that pencil out for the party?” That was her only verbal acknowledgement of my clothes change as she headed over to her closet and grabbed a cute purple dress and white ballet slippers, slipping in for five seconds before coming out already changed.
    “Hair?” She threw me another dazzling smile before plopping back on my bed. I grabbed my hairbrush from its place on the dresser and climbed on the bed behind her, listening to her ramble about everyone’s summer plans and pretending that it was okay that I had absolutely no clue what I was planning to do once summer ended. I had no college plans, no job plans, nothing prepared for my life.
    “Done!” I finally said, cutting Hailey off a little, but she barely noticed as she pranced to the mirror to look at her wraparound braid.
    “You’re an angel! Thank you!” Hails ran back and kissed my cheek before grabbing earrings off of the mess on her dresser and sliding them in as I pulled out my phone. I had a text from Cardan asking if I was done with the book he lent me and double checking the dates I was staying with him, a text from Evelyn that was just a picture of her jersey that she had cut holes into the side of and made slimmer around the waist to fit her, and a few texts in the soccer group chat about who was bringing what. I ignored the group chat, sent Evelyn a thumbs up and a selfie and shot a quick reassuring text (or seven) to Cardan before tossing my phone down and shrieking when I found Hailey standing an inch from my face.
    “Ready?”
    “You’re a pain,” I mumbled as I stood up, reaching for my phone again and tucking it in my back pocket. “Let’s go.”
    “YAY!” Hailey pranced from the room, leading me to the first party of the end of my high school life.
    28 0

    Joshua Michael joshua
    Struggling to keep up with endless customer questions? You’re not alone. Businesses are realizing that AI-powered chatbots are no longer just “nice-to-have” tools they’re essential for delivering fast, 24/7 customer support.

    But here’s the real challenge: with so many chatbot platforms out there, how do you know which one fits your business?

    In this guide, I’ll walk you through the 5 best AI chatbot builders in 2025. These tools are not only user-friendly but also designed to help businesses of all sizes automate conversations, save time, and increase customer satisfaction.





    What Makes a Great AI Chatbot Builder?
    Before diving into the list, let’s set some standards. A solid chatbot builder should offer:

    Ease of use – No-code or low-code platforms are best for beginners.
    AI capabilities – Natural Language Processing (NLP) for smarter conversations.
    Integrations – Works seamlessly with CRMs, websites, or apps.
    Scalability – Can grow with your business.
    Analytics – Helps you measure performance and customer interactions.

    If a chatbot builder ticks most of these boxes, it’s worth considering.

    1. ManyChat – Best for Marketing Automation
    manyChat is a go-to chatbot builder if you’re running an online store or want to automate conversations on social media platforms like Facebook Messenger and Instagram.

    Key Features:

    Visual drag-and-drop builder
    Automated workflows for lead generation
    Supports SMS, WhatsApp, and email campaigns
    Integrates with Shopify and HubSpot

    Best For: E-commerce stores and social media marketers who want to convert followers into paying customers.

    2. Intercom – Best for Customer Support
    Intercom is one of the most popular customer communication platforms, and its AI chatbot functionality is top-notch. According to TechCrunch, Intercom has been a pioneer in scaling customer support with conversational AI.

    Key Features:

    AI-powered resolution bot
    Proactive customer engagement
    Powerful integrations with Slack, Salesforce, and Zapier
    Real-time analytics

    Best For: SaaS companies and customer support teams needing advanced automation.

    3. Tidio – Best for Small Businesses
    If you’re just getting started and want something simple yet effective, Tidio is a fantastic option. It combines live chat with AI automation in one platform.

    Key Features:

    Easy to install on WordPress, Shopify, and Wix
    AI bot trained to answer FAQs
    Mobile app for on-the-go support
    Affordable plans

    Best For: Small businesses that want a budget-friendly AI chatbot solution.

    4. Drift – Best for B2B Sales Conversations
    Drift positions itself as a conversational marketing platform, and for good reason. It focuses on creating real-time, personalized chat experiences that drive sales.

    Key Features:

    AI bots qualify leads automatically
    Custom playbooks for B2B sales
    Integration with major CRMs like Salesforce and Marketo
    Personalized chat based on visitor data

    Best For: B2B businesses that rely heavily on lead generation and relationship building.

    5. HubSpot Chatbot Builder – Best All-in-One CRM Integration
    HubSpot offers a free chatbot builder inside its all-in-one CRM. This makes it incredibly useful for businesses already using HubSpot for marketing and sales.

    Key Features:

    No-code chatbot builder
    Automated lead qualification
    Seamless integration with HubSpot CRM
    Free plan with premium upgrades

    Best For: Businesses already in the HubSpot ecosystem who want a cost-effective chatbot solution.

    Final Thoughts
    The right AI chatbot builder depends on your business goals:

    Use ManyChat if you’re focused on social media and e-commerce.
    Choose Intercom for powerful customer support automation.
    Try Tidio if you’re a small business on a budget.
    Go with Drift for B2B lead generation.
    Pick HubSpot for all-in-one CRM integration.

    At the end of the day, the “best” chatbot is the one that fits your audience, budget, and growth strategy. Start small, experiment, and optimize as you go.

    Have you tried any of these chatbot builders before? Share your experience I’d love to hear which one worked best for you!



    4 0

    Jason Wilson jason
    1.Nihari,

    Nihari is a delicious meat stew loved by people all over the world,

    for its radiant beautiful aroma, rich savory flavor and tender fall of the bone meat which completely dissolves into your mouth giving you an experience of a lifetime.

    It was originally invented in the 1800s to be consumed as a high energy, rich in nutrition and heavy on stomach dish

    to keep the working-class citizens full all day long and to provide required energy.

    However, in today's era it is eaten for its magical flavor which gives your tongue the flavor it craves!

    The word Nihari comes from an Arabic word “Nahar” which means “Morning” as it was usually enjoyed in the daytime/early morning Its mouthwatering flavor attracted the Mughal Emperors (Nawabs) of that time who ate this delicacy to break their morning fasts.

    It is traditionally served with naan (a fermented bread baked in a clay oven)



    2. Namkeen rosh,

    The word “Namkeen” in Urdu means “salty” As the name suggests it is this simple salty tender piece of meat which may not sound delicious to ‘ocean haters’ but, those who have tasted all confirm that it is indeed Delightful.

    The ingredients only include;

    . Diced Ginger & Garlic

    . Meat (small pieces preferably fatty cuts)

    . And most important Salt which gives this dish its signature taste.

    Now begins the time to wait, to make the meat tender and melt in your mouth. After the meat is done garnish it with some green chilies and ginger (preferably; lengthwise). It is traditionally served with its own broth (yakhnee) and naan. It is quite popular and mostly enjoyed in the northern mountainous regions of the country as it helps the locals stay warm and meet body’s salt requirement.



    3. Chicken tikka,

    Tikka (BBQ chicken generally well charred, spicy and tangy in flavor) is the dream of every meat loving person.

    It is enjoyed all over the sub-continent and the name of United Kingdom is also included in this list. Traditionally small boneless chicken pieces are marinated with traditional species and yoghurt (dahi) to tenderize and break down the meat fibers with vertical cuts all over the chicken to let it completely absorb the flavor. the meat is cooked over open fire (angheeti) OR they are grilled over charcoals.

    The word “Tikka” is a Persian word meaning “bits / pieces” but if we listen to the people who have tried it, we can all agree that it should mean “outstanding flavor” because that's all this dish offers.

    21 0

    Alkuansinta Rohman alkocoko
    Bali is renowned not only for its stunning beaches but also for its breathtaking mountain landscapes that captivate visitors from around the world. Among these natural treasures lies Lake Wanagiri, a hidden gem that offers spectacular panoramic views in the highlands of North Bali. This enchanting lake is located in Wanagiri Village, Sukasada District, Buleleng Regency, Bali Province.

    Breathtaking Natural Beauty Throughout the Day

    Lake Wanagiri possesses extraordinary charm with its panoramic beauty that can be enjoyed at any time of day. In the early morning, visitors are greeted by thin mist that blankets the lake's surface, creating a mystical and peaceful atmosphere. During midday, sunlight reflects golden sparkles on the crystal-clear water surface, while the evening presents romantic sunsets with stunning sky color gradations. Even at night, this lake remains captivating with its clear starry sky, providing an unforgettable experience for every visitor.
    The popularity of Lake Wanagiri as a premier tourist destination in Bali continues to grow thanks to its Instagram-worthy natural panoramic beauty. This lake has become one of the famous tourist attractions that not only draws domestic tourists but has also gained international recognition.

    Cool Highland Climate

    The uniqueness of Lake Wanagiri lies in its highland location, providing a cool and refreshing atmosphere that differs from typical beach destinations. The air temperature around this lake remains relatively cool throughout the day, with morning temperatures that can reach 15-18 degrees Celsius, offering natural coolness that is perfect for escaping the hustle and bustle of city life.

    Lake Formation History

    Lake Wanagiri was formed within a large caldera as a result of past volcanic activity. This geological process created a natural basin that was later filled with rainwater and natural springs, forming this beautiful lake. The position of Lake Wanagiri, which is aligned with other lakes in the Bedugul area such as Lake Buyan and Lake Tamblingan, makes this region a fascinating lake complex to explore.

    Wanagiri Village: The Best Spot to Enjoy Lake Beauty

    On the slopes of Lake Wanagiri lies Wanagiri Village, located in Sukasada District, Buleleng Regency. This village offers a strategic location with the most aesthetic views for enjoying the lake's beauty. From this village, visitors can witness spectacular lake panoramas from height, creating amazing photo opportunities.
    Wanagiri Village not only offers beautiful lake views but also features various traditional warungs (local eateries) scattered along the slope edges. At these places, tourists can sit and relax while enjoying traditional Balinese tubruk coffee and local snacks with the stunning lake view as their backdrop.

    Supporting Tourist Attractions Around Lake Wanagiri

    The Wanagiri Village area holds various hidden gems that enrich the tourism experience. In this village, there are several enchanting waterfalls, including Banyu Wana Amertha Waterfall hidden within the protected forest, Banyumala Waterfall often called the twin waterfall with three different sections, and various other waterfalls that offer authentic natural experiences.
    Banyumala Waterfall, which stands approximately 20 meters high, has become one of the main attractions with its unique structure that appears to be divided into three sections. This waterfall was first opened to tourists in 2015 and has now become a popular tourist destination frequently visited by international travelers.

    International Recognition

    Lake Wanagiri has gained recognition as an international-class tourist destination. Its spectacular natural beauty and Instagram-worthy photo spots have attracted the attention of international tourists from various countries. Many international travel bloggers and influencers have captured their precious moments at this lake, further increasing its popularity on global social media.
    The combination of authentic natural beauty, cool mountain atmosphere, and adequate facilities makes Lake Wanagiri a perfect destination for spending quality time. Visitors can enjoy the tranquility of nature while witnessing the lake's amazing panorama from various viewpoints.

    Accessibility and Transportation

    Access to Lake Wanagiri is quite easy to reach from various cities in Bali. From Singaraja, the journey to this lake takes approximately 1 hour, while from Denpasar it requires about 2.5-3 hours of travel time depending on traffic conditions. The road infrastructure leading to the lake area is already in good condition, allowing various types of vehicles to access this amazing tourist destination.
    The route to Lake Wanagiri can be reached via Jalan Raya Wanagiri, which is well-paved. Throughout the journey, tourists will be treated to views of green plantation expanses and hills that soothe the eyes, making the journey to the lake part of an enjoyable tourism experience.

    Conclusion

    Lake Wanagiri represents an extraordinarily beautiful and comfortable tourist destination for spending vacation time. The combination of spectacular natural beauty, cool mountain weather, good accessibility, and various supporting tourist attractions makes this place a perfect choice for travelers seeking a different experience in Bali. For anyone visiting Bali, Lake Wanagiri is a must-visit destination to experience the natural wonders of the Island of the Gods from a different perspective.
    14 0

    Tiya Sowell tiya1969
    Morning with the Master

    Hey sisters and brothers! Welcome to my weekly devotional where we can share prayers, scriptures and reflection.

    When reading this morning, I came across the story of Athaliah, the first female crowned king who, when her husband and sons died, killed off the rest of her family line (her grandkids) so that she would be the only person left in her lineage and could rule until her death. I don't know about you, but there is nothing more important than my family--and the grandkids are extra special and precious to my very sight! To have that much greed and desire to have not only everyone answer to you, but also be the sole decision maker is completely out of bounds, and extremely ambitious.

    As a Christian woman, I don't want to be the only face that people seek for approval, answers and permission. That is too much weight for any one person to bear and its just unnatural. Who can you love? Who can love you?

    The divine God created the world and everything in it. Can any man or woman follow that? Not one! Can any man or woman have the right answer to EVERY question or concern? Not one! Can any man or woman create a permanent route for peace and understanding? Not one!

    There is a reason we cannot see or touch God. Because we might do like Athaliah and try to eliminate the almighty because of greed and idolatry. He oversees and has the end say to everything we do. That is a safety I can count on if I cannot rely on anything else in this world.

    Let me know your thoughts. Let's talk about it.

    23 0

    Millie Zemlak Millie_Zemlak
    (NewsUSA) - Spring is here and that means it's lawn cutting season. In the interest of curbing your carbon footprint and "going green," you may want to consider an eco-friendly alternative to a healthy, beautiful lawn - an electric lawn mower. Options for self-propelled, high-powered electric lawn mowers abound, and there's a mower to fit every lawn and budget.

    Special features of modern electric mowers include variable speeds that allow users to adjust to different conditions on the ground. That means no need for extra effort when going uphill. In addition, electric mowers can be set for slower speeds to maneuver around flower beds, trees, or lawn furniture.

    Many top companies, including DR Power Equipment, Ryobi, Greenworks, and Craftsman and Kobalt, among others, offer a range of styles and models for battery-powered, self-propelled, walk-behind lawn mowers that feature the unique and efficient variable-speed electric transmission designed by General Transmissions.

    "With the variable-speed, self-propelled drive system, you mow the lawn at your own pace. Change speeds whenever you want by adjusting your grip on the speed control. You don't have to stop what you're doing to change speeds," says Wouter Barendrecht, chief executive officer of General Transmissions.

    "The electric drive has a motor on it that controls the self-propelled function, so you can disengage the cutting blade and still keep moving with the self-propelled feature operating," says Barendrecht.

    Still not convinced? Here are the top three reasons to try a battery-operated lawn mower this year:

    - Easy to use. Battery-powered lawn mowers are safe and simple to use. Speeds can be adjusted without stopping the mower, and you mow at your own pace. Many of them include mulching features, and some have batteries that can be used interchangeably with other electric equipment from the same manufacturer. Other features, such as telescoping handles, make storage a snap, especially for homeowners in townhouses or other areas with limited space.

    "These mowers weigh a lot less than comparable gas-powered ones, so they're easier to maneuver and easier to store. You can even hang them by their handles on a storage hook in your garage or storage area," says Jeff Land, vice president of merchandising and engineering at DR Power Equipment.

    - Economically smart. A battery-powered, self-propelled lawn mower saves money. Think of all the cash you can save on gas this season, not to mention oil and oil filters. The batteries charge on a standard household current, and most homeowners can mow an average-sized lawn (about an hour of mowing power) without the need to recharge.

    - Environmentally friendly. According to the Environmental Protection Agency, gas-powered lawn equipment generates 5 percent of the air pollution in the United States each year. In addition, a gas-free mower eliminates the noise pollution, gasoline smell, and potential contamination and hazards of spilled gas and oil.

    For more information, visit generaltransmissions.com/en/technology/electric/ to learn more about what makes battery-powered, self-propelled lawn mowers a good choice for today's many homeowners.

    Ref: Gardening - in Blogs
    38 0

    Millie Zemlak Millie_Zemlak
    (NewsUSA) - Well, actually, it's both … the charm of hummingbirds is most certainly apropos and "a charm" of hummingbirds is actually factual! Yep, that's right, the collective noun for these unique creatures - just like a gaggle of geese or a flock of birds, is a charm of hummingbirds. Since the definition of the noun 'charm' is "the power of giving delight or arousing admiration," one doesn't need to be a wordsmith to see how right that is.

    Hummingbirds are charming.

    And there are over 330 varieties of the species, Trochilidae, which is their biological family name and they're found in the Western Hemisphere. When one sees a hummingbird, it's a stunning, stop-in-your-tracks sight. Their brilliant throat color is actually a result of the iridescence in the arrangement of their feathers, not color pigment. Light level, moisture, angle of viewing and other factors all influence just how bright and colorful their throats may appear. Perhaps you've heard them, too - the name hummingbird comes from the buzzing sound of their fast-flapping wings.

    Hummers are migrant birds, so although many stay close to the Equator, lots of varieties travel this time of year, so there may be a 'charm' coming to your backyard soon. If you have the desire to see one up close or are curious about how to attract them to your yard, the folks at Cole's Wild Bird Feed Co have got you covered. First, they figured out the engineering of an elegant, deceptively simple, easy-to-use (and easy-to-clean!) feeder. The patented Hummer High Rise has a clever design that offers a stress-free position for your charming guests to get their fill, a fantastic 360-degree vista, all the while keeping other unwanted creatures at bay.

    For example there's an ant moat that stops the armies of industrious workers who'd love to get some sweet nectar, from beating a path to the liquid food. The genius is, it's an actual moat, with nothing but H2O keeping the ants at bay, so while it does its job, it doesn't do harm. Nice!

    A charm magnet.

    The second definition for the noun 'charm' is a small ornament worn on a necklace or bracelet. Hummingbirds weigh on average the same as a nickel, so while you'll want to wear a replica from the jewelers, Hummers can be your own garden's jewelry all season long.

    And in return for their arousing your admiration, they'll feed on those annoying garden insects and pests. For their small size, hummers eat a lot. They are voracious eaters, feeding on mosquitos, gnats, spiders, aphids and other six-legged creepy crawlers. But, besides pests for protein, their primary 'food group' is nectar, which they get in by flitting from flower to flower and using their long beaks and equally long tongues to get their fill. All that flitting is exhausting!

    Since hummingbirds drink up to half their body weight a day of nectar you can help them out by keeping your High Rise fully stocked, for a one-stop fill of their favorite nectar treat.

    Let's not leave out the definition of the verb, "charm," which is to "delight greatly." If you want these Disney-esque caricatures to delight you on a regular basis with their wonder - and bring their distinctive song to your yard - there is something you can buy: the creme-de la creme of what these charmers crave: Nature's Garden from Cole's.

    By identifying and harnessing the nutrients of the hummer's favorite wildflowers, and tapping their vast store of wild bird knowhow, Cole's has created the next-best-thing to actual flower nectar - a proprietary formula that's far and away a cut above your 'garden-variety' sugar water. Nature's Garden is a healthy, all-natural alternative to homemade syrup, no mixing and no boiling required. It comes in an eco-friendly soft pouch; just shake and pour. You'll be delighted with how easy it is to keep your hummer feeder filled and overjoyed at seeing hummers frequent your yard. Your neighborhood hummingbirds will love it, so they'll keep coming back.

    A brief postscript: a natural predator to the hummingbird is the praying mantis. Despite their equally small size and saintly appearance, they feed on our fascinating feathered friends and are a real threat (and a protected species), so if you find a mantis hanging around your High Rise, take care to evict it gently, to a lower piece of real estate and keep hummers safe.

    Ref: Camping - in Blogs
    60 0

    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
    57 0

    Millie Zemlak Millie_Zemlak
    (NewsUSA) - Almost everything today is digitally connected …whether at home or on the go. Connected technology saves you time with everything from smart phones to smart homes!

    Tech Lifestyle Expert Carley Knobloch has partnered with KillerApps.com and four brands for a look at some great smart tech for 2019 that will help simplify your life.

    First up … a laptop is a must! Made for today's mobile multi-taskers, the thin and light Yoga C630 combines the power and productivity of a Windows 10 laptop with the always-on, always-connected mobility of a smartphone thanks to integrated 4G LTE and Wi-Fi support. Powered by Qualcomm's Snapdragon 850 Mobile Compute Platform, the Yoga C630 gets up to 22 hours of local video playback and features a natural pen-on-paper experience on its vibrant 13.3-inch FHD IPS touchscreen display with optional Lenovo Pen and Windows Ink.

    Next, to stay connected at home, Orbi Voice is a smart speaker integrated with Amazon voice assistant, Alexa and uses the Qualcomm Wifi Mesh platform to create expansive whole home Wi-Fi coverage (up to 4500 square feet) to create an entire ecosystem of mesh Wi-Fi products. It also features premium audio technology, creating incredible room-filling sound from the audio experts at Harman Kardon. Alexa makes it easy to play music from the most popular streaming services, control other IoT devices, check traffic, weather, and so much more - without needing a separate device. It's truly an innovative leap, and the start of a trend expected to accelerate in the 5G era.

    Smart products can also help keep families safe. Fire is getting faster, but you can get ahead by installing Kidde Wire-Free Interconnect Smoke Alarms in your home. Kidde's new interconnect alarm solution offers exceptional safety benefits without the hassle of hardwiring or a Wi-Fi connection. The interconnect technology helps alert you to a fire no matter where you are in your home. When one alarm senses a hazard, all interconnected alarms sound throughout the home. The alarm also comes with a sealed 10-year battery, which you don't have to worry about changing alarms batteries. Simply replace the entire alarm after 10 years.

    Home security solutions are getting smarter and more convenient too. Schlage Encode is the newest connected device to enhance the brand's portfolio of innovative smart locks. The deadbolt is easy to install, with a quick connection to in-home WiFi, making it even more convenient for homeowners to have secure, remote access control. The built-in Wi-Fi technology eliminates the need for an additional hub and allows users to set-up and manage the lock via the Schlage Home or Key by Amazon apps. This means users can lock and unlock their deadbolt, monitor the lock's status, and send virtual keys to trusted friends and family, all from the convenience of their smartphone. Homeowners can create up to 100 unique guest access codes for temporary, recurring or permanent access. This information, along with the lock's activity, can be tracked and monitored within the app, giving homeowners greater peace of mind. Through the Schlage Home app, users can also pair their deadbolt with Google Assistant and Amazon Alexa. When managing the lock via the Key app, users can enjoy compatibility with other platforms such as Amazon Cloud Cam, Ring video doorbell and cameras, and Alexa.

    For more information, visit KillerApps.com.

    Ref: Futurology - in Blogs
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