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- Thurman WilliamsonThurman_Williamson - posted recentlyI want to collaborate!I want to collaborate!
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
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
(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. <br />
<br />
Hummingbirds are charming. <br />
<br />
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.<br />
<br />
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.<br />
<br />
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! <br />
<br />
A charm magnet. <br />
<br />
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.<br />
<br />
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!<br />
<br />
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.<br />
<br />
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.<br />
<br />
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.<br />
<br />
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.<br />
<br />
Ref: Camping - in Blogs
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Epickaiju Epickaiju
Welcome to Epickaiju, the best pub in town for an amazing dessert, in an awesome evening. Come to see us, and bring your friends with you, and you will be extremely delighted. We guaranty it at 100 percent!
What we need
We're looking for influencers to increase our customer base. We need you to post invitations to invite followers to visit our dessert pub via a 15 second video or permanent story. We'll send you $500.00, or 50,000 gift-points once the post is done. If you're interested, simply say you're Interested in a comment below this post.
CONDITIONS
Audience
United-States, UK, Australia
Language
English
Channels
Lifestyle, Fashion, Beauty, Travel
Minimum Followers
1000
Age Group
18-65
Genders
Any
Post Type
15 Second Video or Story With Images
Pay Per Post Amount in Money
$500.00
Pay Per Post in Points. 100 Points = $1.00
50,000
Commission Per Sale
$0
Item Shipped For Review
None
Must Create a New Creative From Scratch
Yes
Must Use The Images And Video Supplied
No
Must Follow Some Specific Guidelines
No
Must Avoid Saying or Showing Specific Things
No
Content Must Be Approved Before Posting
No
Delivery Delay in Days
5 Business day
Delivery Exact Date
None
Our Website URL
Epickaiju
Category: Influencer Marketing Offers - in Marketing
What we need
We're looking for influencers to increase our customer base. We need you to post invitations to invite followers to visit our dessert pub via a 15 second video or permanent story. We'll send you $500.00, or 50,000 gift-points once the post is done. If you're interested, simply say you're Interested in a comment below this post.
CONDITIONS
Audience
United-States, UK, Australia
Language
English
Channels
Lifestyle, Fashion, Beauty, Travel
Minimum Followers
1000
Age Group
18-65
Genders
Any
Post Type
15 Second Video or Story With Images
Pay Per Post Amount in Money
$500.00
Pay Per Post in Points. 100 Points = $1.00
50,000
Commission Per Sale
$0
Item Shipped For Review
None
Must Create a New Creative From Scratch
Yes
Must Use The Images And Video Supplied
No
Must Follow Some Specific Guidelines
No
Must Avoid Saying or Showing Specific Things
No
Content Must Be Approved Before Posting
No
Delivery Delay in Days
5 Business day
Delivery Exact Date
None
Our Website URL
Epickaiju
Category: Influencer Marketing Offers - in Marketing
Welcome to Epickaiju, the best pub in town for an amazing dessert, in an awesome evening. Come to see us, and bring your friends with you, and you will be extremely delighted. We guaranty it at 100 percent! <br />
<br />
What we need<br />
<br />
We're looking for influencers to increase our customer base. We need you to post invitations to invite followers to visit our dessert pub via a 15 second video or permanent story. We'll send you $500.00, or 50,000 gift-points once the post is done. If you're interested, simply say you're Interested in a comment below this post.<br />
<br />
CONDITIONS<br />
<br />
Audience<br />
United-States, UK, Australia<br />
<br />
Language<br />
English<br />
<br />
Channels<br />
Lifestyle, Fashion, Beauty, Travel<br />
<br />
Minimum Followers<br />
1000<br />
<br />
Age Group<br />
18-65<br />
<br />
Genders<br />
Any<br />
<br />
Post Type<br />
15 Second Video or Story With Images<br />
<br />
Pay Per Post Amount in Money<br />
$500.00<br />
<br />
Pay Per Post in Points. 100 Points = $1.00<br />
50,000<br />
<br />
Commission Per Sale<br />
$0<br />
<br />
Item Shipped For Review<br />
None<br />
<br />
Must Create a New Creative From Scratch<br />
Yes<br />
<br />
Must Use The Images And Video Supplied<br />
No<br />
<br />
Must Follow Some Specific Guidelines<br />
No<br />
<br />
Must Avoid Saying or Showing Specific Things<br />
No<br />
<br />
Content Must Be Approved Before Posting<br />
No<br />
<br />
Delivery Delay in Days<br />
5 Business day<br />
<br />
Delivery Exact Date<br />
None<br />
<br />
Our Website URL<br />
<a onclick="$('#phonebook-category-no-city').val($(this).text());" class="coolinks btn-scroll hashword" href="https://stallios.com/Epickaiju">Epickaiju</a><br />
<br />
<br />
<span style='display:none' class='DO NOT REMOVE - THIS CATEGORY CODE WILL BE HIDDEN - IT IS NEEDED TO BE FOUND BY CATEGORY AND ONE-CLICK SEARCH'>Category: Influencer Marketing Offers - in Marketing</span>
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Ramiro Williamson Ramiro_Williamson
Category: Photography - in Blogs
<br />
<br />
<span style='display:none' class='DO NOT REMOVE - THIS CATEGORY CODE WILL BE HIDDEN - IT IS NEEDED TO BE FOUND BY CATEGORY AND ONE-CLICK SEARCH'>Category: Photography - in Blogs</span>
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Aric Feeney Aric_Feeney
Category: Photography - in Blogs
<span style='display:none' class='DO NOT REMOVE - THIS CATEGORY CODE WILL BE HIDDEN - IT IS NEEDED TO BE FOUND BY CATEGORY AND ONE-CLICK SEARCH'>Category: Photography - in Blogs</span>
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Millie Zemlak Millie_Zemlak
(NewsUSA) - You probably don't think much about the fate of old, worn-out uniforms from restaurants, stores, healthcare facilities, sports teams, and other industries. But the fact is that many end up in landfills. However, one company is doing its part to lessen this carbon footprint by repurposing these old uniforms into new.
Eco Tek 360, a forward-thinking fiber technology company and a division of Global Fiber Technologies, Inc. a public company, (GFTX), has developed a proprietary technology that removes the fibers from fabrics that have reached the end of their useful life cycle. The fibers are extracted from a landfill-destined garment and used to create yarn, make new fabric, and then get sewn into fabric which is turned into "rejuvenated" uniforms. Each time the uniform comes back to the client, the process creates a true circular economy and reduces carbon footprints.
"It takes between 500 to 700 gallons of water to grow one pound of cotton and Eco Tek 360 can help save billions of gallons each year through utilization of its patent- pending process," says Chris Giordano, president and co-chairman of Global Fiber Technologies.
"We will take corporate uniforms at the end of their useful life that would otherwise head for disposal and re-purpose them back to the same company as sustainable, high quality uniforms for their employees," says Giordano.
"Our primary raw material is sourced from uniforms being disposed of by our corporate clients, allowing us to be competitive on price," says Paul Serbiak Global's CEO.
There are three steps to the ECOTEK process:
- Recovery: Companies collect old uniforms and send them to Ecotek. Customers earn a credit towards new uniform purchases.
- Rejuvenation: Rejuvenation is the heart of the Ecotek philosophy. The company uses a patented procedure to remove old fiber from fabric, restore it, and create new fabric. The rejuvenated fiber is soft, strong, and comfortable, and looks like new.
- Re-creation: The fabric made from the rejuvenated fiber is then used to make new uniforms.
"The entire process takes place in the USA, ensuring fair labor practices and extremely high quality standards," according to the company. Ecotek will offer customized design in large and small batches with quick turnaround times.
Buying uniforms made with rejuvenated fibers not only saves water and energy, it saves money, and allows employees to feel proud and look great with options for customized style and sizing.
Surveys show that a majority of entry-level employees prefer to work for an environmentally friendly company and more than half of consumers prefer to buy from companies with a green reputation.
For more information about how your company can go greener and look great doing it, visit https://globalfibertechnologies.com/ecotek-360
Ref: Business - in Blogs
Eco Tek 360, a forward-thinking fiber technology company and a division of Global Fiber Technologies, Inc. a public company, (GFTX), has developed a proprietary technology that removes the fibers from fabrics that have reached the end of their useful life cycle. The fibers are extracted from a landfill-destined garment and used to create yarn, make new fabric, and then get sewn into fabric which is turned into "rejuvenated" uniforms. Each time the uniform comes back to the client, the process creates a true circular economy and reduces carbon footprints.
"It takes between 500 to 700 gallons of water to grow one pound of cotton and Eco Tek 360 can help save billions of gallons each year through utilization of its patent- pending process," says Chris Giordano, president and co-chairman of Global Fiber Technologies.
"We will take corporate uniforms at the end of their useful life that would otherwise head for disposal and re-purpose them back to the same company as sustainable, high quality uniforms for their employees," says Giordano.
"Our primary raw material is sourced from uniforms being disposed of by our corporate clients, allowing us to be competitive on price," says Paul Serbiak Global's CEO.
There are three steps to the ECOTEK process:
- Recovery: Companies collect old uniforms and send them to Ecotek. Customers earn a credit towards new uniform purchases.
- Rejuvenation: Rejuvenation is the heart of the Ecotek philosophy. The company uses a patented procedure to remove old fiber from fabric, restore it, and create new fabric. The rejuvenated fiber is soft, strong, and comfortable, and looks like new.
- Re-creation: The fabric made from the rejuvenated fiber is then used to make new uniforms.
"The entire process takes place in the USA, ensuring fair labor practices and extremely high quality standards," according to the company. Ecotek will offer customized design in large and small batches with quick turnaround times.
Buying uniforms made with rejuvenated fibers not only saves water and energy, it saves money, and allows employees to feel proud and look great with options for customized style and sizing.
Surveys show that a majority of entry-level employees prefer to work for an environmentally friendly company and more than half of consumers prefer to buy from companies with a green reputation.
For more information about how your company can go greener and look great doing it, visit https://globalfibertechnologies.com/ecotek-360
Ref: Business - in Blogs
(NewsUSA) - You probably don't think much about the fate of old, worn-out uniforms from restaurants, stores, healthcare facilities, sports teams, and other industries. But the fact is that many end up in landfills. However, one company is doing its part to lessen this carbon footprint by repurposing these old uniforms into new.<br />
<br />
Eco Tek 360, a forward-thinking fiber technology company and a division of Global Fiber Technologies, Inc. a public company, (GFTX), has developed a proprietary technology that removes the fibers from fabrics that have reached the end of their useful life cycle. The fibers are extracted from a landfill-destined garment and used to create yarn, make new fabric, and then get sewn into fabric which is turned into "rejuvenated" uniforms. Each time the uniform comes back to the client, the process creates a true circular economy and reduces carbon footprints.<br />
<br />
"It takes between 500 to 700 gallons of water to grow one pound of cotton and Eco Tek 360 can help save billions of gallons each year through utilization of its patent- pending process," says Chris Giordano, president and co-chairman of Global Fiber Technologies.<br />
<br />
"We will take corporate uniforms at the end of their useful life that would otherwise head for disposal and re-purpose them back to the same company as sustainable, high quality uniforms for their employees," says Giordano.<br />
<br />
"Our primary raw material is sourced from uniforms being disposed of by our corporate clients, allowing us to be competitive on price," says Paul Serbiak Global's CEO.<br />
<br />
There are three steps to the ECOTEK process:<br />
<br />
- Recovery: Companies collect old uniforms and send them to Ecotek. Customers earn a credit towards new uniform purchases.<br />
<br />
- Rejuvenation: Rejuvenation is the heart of the Ecotek philosophy. The company uses a patented procedure to remove old fiber from fabric, restore it, and create new fabric. The rejuvenated fiber is soft, strong, and comfortable, and looks like new.<br />
<br />
- Re-creation: The fabric made from the rejuvenated fiber is then used to make new uniforms.<br />
<br />
"The entire process takes place in the USA, ensuring fair labor practices and extremely high quality standards," according to the company. Ecotek will offer customized design in large and small batches with quick turnaround times.<br />
<br />
Buying uniforms made with rejuvenated fibers not only saves water and energy, it saves money, and allows employees to feel proud and look great with options for customized style and sizing.<br />
<br />
Surveys show that a majority of entry-level employees prefer to work for an environmentally friendly company and more than half of consumers prefer to buy from companies with a green reputation.<br />
<br />
For more information about how your company can go greener and look great doing it, visit <a class="no-ajax" target='_blank' href="https://globalfibertechnologies.com/ecotek-360">https://globalfibertechnologies.com/ecotek-360</a><br />
<br />
Ref: Business - in Blogs
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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
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
(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.<br />
<br />
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.<br />
<br />
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.<br />
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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.<br />
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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.<br />
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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.<br />
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Other benefits of co-investing: Keeping gains from remodeling work and keeping the equity built from prompt mortgage payments.<br />
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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.<br />
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To find out how Unison can help you get the most out of homeownership, visit unison.com.<br />
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*This is a possible percentage for illustrative purposes. The actual percentage varies based on the specific HomeOwner transaction.<br />
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