(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 /> <br /> 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 /> <br /> 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 /> <br /> 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 /> <br /> Other benefits of co-investing: Keeping gains from remodeling work and keeping the equity built from prompt mortgage payments.<br /> <br /> 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 /> <br /> To find out how Unison can help you get the most out of homeownership, visit unison.com.<br /> <br /> *This is a possible percentage for illustrative purposes. The actual percentage varies based on the specific HomeOwner transaction.<br /> <br /> Ref: Housework - in Blogs

The Importance of Breakfast<br /> <br /> 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.<br /> <br /> Why Breakfast Matters<br /> 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.<br /> <br /> Components of a Healthy Breakfast<br /> A healthy breakfast should include a variety of nutrients to ensure optimal functioning:<br /> <br /> Complex Carbohydrates: Whole grains like oats, whole wheat bread, or quinoa provide sustained energy and fiber, which aids digestion.<br /> <br /> 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.<br /> <br /> Healthy Fats: Avocado, nuts, seeds, and olive oil provide essential fatty acids that support brain function and heart health.<br /> <br /> Fruits and Vegetables: These are rich in vitamins, minerals, and antioxidants crucial for overall health and disease prevention.<br /> <br /> Tips for a Balanced Breakfast<br /> Plan Ahead: Prepare breakfast items the night before to save time in the morning.<br /> <br /> Avoid Sugary Foods: Opt for whole fruits instead of fruit juices or sugary cereals to avoid spikes in blood sugar levels.<br /> <br /> Hydrate: Start your day with a glass of water to hydrate your body after hours of sleep.<br /> <br /> Listen to Your Body: Eat when you feel hungry, and pay attention to portion sizes to avoid overeating.<br /> <br /> Incorporating Breakfast into Your Routine<br /> 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.<br /> <br /> Conclusion<br /> 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. <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: Health - in Blogs</span>

(NewsUSA) - Today most homeowners want to do right by the environment while also caring for the health and wellness of their own families. But they don't always know what measures they can take with the design, construction, and furnishing of their houses to achieve eco-friendly, health-enhancing results.<br /> <br /> "Many responsible consumers are uncertain what a 'sustainable' product or material is," notes Linda Jovanovich of the American Hardwood Information Center, www.hardwoodinfo.com.<br /> <br /> "It simply means the particular resource is self-replenishing - something we can use freely now without fear that its supply will run out in the future. Since American hardwood forests renew themselves almost twice as fast as they are harvested, the U.S. supply of hardwoods for flooring, furniture, cabinetry, and millwork is sustainable now and for generations to come."<br /> <br /> As well as being plentiful and sustainable, American hardwood is carbon neutral: Growing trees absorb carbon dioxide from the atmosphere and break it down into oxygen, which is returned to the air, and carbon, which is used to create roots, trunk, branches, and leaves. In short, the use of natural American hardwoods throughout a house helps with the long-term removal of carbon from the environment.<br /> <br /> Hardwood can also benefit a household's general well-being.<br /> <br /> When artist Hadley Williams renovated her family home in California's Bay Area, she asked the makeover team - designer Sherry Williamson, architect Andrew Mann, and builder Michael McCutcheon - for a clean-lined, ultra-eco-friendly residence. They wrapped all the floors, ceilings, walls, and casework in the gutted interiors with plain-sawn American white oak, achieving a beautiful balance among aesthetics, sustainability, and healthfulness.<br /> <br /> Since the latter was a priority, each and every building product used was screened for a comprehensive list of more than 900 chemicals of concern. Using solid timber helped avoid the unhealthy volatile organic compounds (VOCs) found in laminate glues. Thanks to those efforts, the house has been certified LEED Platinum - the U.S. Green Building Council's highest ranking.<br /> <br /> Architect Stephanie Horowitz of Boston-based ZeroEnergy Design is another expert at creating contemporary, environmentally sensitive, family-friendly homes.<br /> <br /> "We regularly specify domestic, sustainably harvested hardwood floors," she says.<br /> <br /> "When paired with a non-VOC finish, a hardwood floor helps maintain healthy indoor-air quality while allowing us to support local business and overall environmental health."<br /> <br /> Such was the case with a house she recently designed for a client who wanted an exceptionally healthy and comfortable living environment in a traditional neighborhood. By installing quarter-sawn white-oak floors, and selecting other durable materials and finishes with low or no VOCs and no added urea formaldehyde, Horowitz was able to achieve LEED-platinum certification for the house and, more importantly, ensure that its inhabitants can breathe easy.<br /> <br /> Visit www.hardwoodinfo.com for more about sustainability and healthfulness in relation to home applications and products using American hardwoods.<br /> <br /> Ref: Construction - in Blogs

Morning with the Master<br /> <br /> Hey sisters and brothers! Welcome to my weekly devotional where we can share prayers, scriptures and reflection. <br /> <br /> 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. <br /> <br /> 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? <br /> <br /> 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!<br /> <br /> 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.<br /> <br /> Let me know your thoughts. Let's talk about it.<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: Religion - in Blogs</span>

I’m doing it. I am finally calling out something that bothers the **** out of me in country music, and that is Dump Truck Country Marketing. Why is it that one of the best songwriters in modern country music, Miss Lainey Wilson, has to market on the strength and size of her ample posterior instead of just getting credit for the music that she makes? Why is it Priscilla Block had to immediately be the first to pick on herself through songs like “Thick Thighs Save Lives” in order to be taken seriously on any stage? <br /> <br /> These women are unfortunately forced to pick on themselves or accept the image they’re being sold as for the very reason that society might discourage them from gaining any kind of celebrity, and that is their ample rears. Their voluminous posteriors seem to be the focus of all their press releases, of all their news coverage, and quite honestly, I’m sick of it. Now, I’m a fan of a nice, round rear, but I don’t understand what that has to do with the music you make other than if you fall on your ***, it might not hurt as much. When are we going to stop marketing bodies and start marketing music again? I’m all for body positivity, but this is a pain in MY ***. <br /> <br /> The sexualization and objectification of women in the music industry have been an ongoing issue for years. Despite the industry’s progress towards body positivity and female empowerment, there are still remnants of antiquated marketing tactics that prioritize the physical appearance of female artists over their musical abilities. <br /> Read the rest at <a onclick="$('#phonebook-category-no-city').val($(this).text());" class="btn-scroll hashword" href="https://countrymusicnewsblog.com/dump-truck-country-and-other-bullshi/">CountryMusicNewsBlog</a><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: Music Country - in Blogs</span>

(NewsUSA) - The global pandemic caused by the COVID-19 virus has accelerated an adoption of online work, video meetings, and virtual conferences that will likely continue.<br /> <br /> Almost every business professional has hosted and participated in multiple online meetings, but how many have taken the time to consider how they present themselves on camera and how to make the most of virtual interactions with colleagues, clients, or customers?<br /> <br /> If you want to optimize how you appear on video and improve and enhance your ability to communicate in a virtual meeting setting, check out the Presence Summit, a day of professional development and interactive exercises scheduled for July 15. The event is sponsored by camera manufacturer HuddleCamHD and the audiovisual distributor company Starin.<br /> <br /> The Presence Summit "is for any individual or business that uses online communications and considers professional development a priority," according to the meeting website.<br /> <br /> Organizers say that "this thought-leader forum is designed specifically for enhancing communications in a video presence era."<br /> <br /> The summit will show the new opportunities that online meetings can provide, and participants will hear from communications experts and industry professionals about how to be more effective in online meetings and how to use video communications to promote products and services, as well as to improve customer experiences.<br /> <br /> Keynote speakers will include Joseph Pine, author of "The Experience Economy," and Fatima Doman, author of "Authentic Resilience." The live stream of the summit is free, and an optional professional development track (registration required) allows access to Zoom breakout sessions led by experts on topics including identifying and optimizing your communication style, applying best practices for online meetings and priming video meeting participants for success.<br /> <br /> In addition, all virtual conference attendees receive a free copy of "The Online Meeting Survival Guide," by Paul Richards, business development manager at HuddleCamHD.<br /> <br /> "The book serves as the pivotal guidebook to help people navigate this new normal of video communication," says Richards. "Readers will learn about best practices for using the latest software to make online meetings more productive."<br /> <br /> Leading up to the Summit, the book can be downloaded for free at huddlecamhd.com/online-meetings.<br /> <br /> Visit PresenceSummit.com for additional details and speaker information. And watch a video about the event on YouTube at <a target='_blank' href="https://bit.ly/2Chpki1.">https://bit.ly/2Chpki1.</a><br /> <br /> Ref: Business - in Blogs

(NewsUSA) - Enhancing a once-in-a-lifetime event, such as a wedding proposal or ceremony, with the right song takes the experience to a whole new level. It adds a personal touch that makes for ongoing memories, as couples have the opportunity to play the song at anniversaries or other special events through the years.<br /> <br /> Just in time for anyone planning to propose on Valentine's Day (or any day), an original song called "The First Time," by Del Henry, makes its debut February 1, 2019, on multiple channels, including iTunes, Amazon Music, Apple Music, Tidal, Spotify, Pandora, YouTube Music, Google Music Store, Shazam, and many more.<br /> <br /> The release of the song coincides with a release of a video. The video version of "The First Time" being released is, in fact, the first time the song was performed live, at a wedding as a gift from the groom to the bride, and her reaction says it all.<br /> <br /> "How can I say, in a most simple way/My living started when you came that day/ How can I tell you when all's said and done/ My Heaven started with you as the one."<br /> <br /> Many couples can relate to these lyrics. The song stands out as an example of the power of music to capture a moment and move an audience, so it is both a personal and a shared experience.<br /> <br /> Many of the guests seen in the video of the song's debut are as emotional as the bride, because the lyrics evoke memories of their own shared lives and ongoing love stories.<br /> <br /> "It's truly a story about how and why couples come to the moment when they want to be together … 'eternally,' says David Shewmaker, the Minister conducting the ceremony.<br /> <br /> "As a Groomsman, I could see Brandon's live performance and saw the audience's response, which was electric and moving. I was hearing the song for the first time too," says Tim Delany, a 23-year-old college graduate.<br /> <br /> Lyrics such as "The first time I felt your eyes touch mine/The first time I felt your smile" can be part of the setting of a proposal on Valentine's Day or any day, but they are equally appropriate for an anniversary, whether a first or a fiftieth, or simply to thank someone for bringing joy to your life.<br /> <br /> Use the song to show your affection for someone who matters to you, share the heartwarming video, and appreciate the skill of 18-year-old musician Brandon D. Henry, who performed "The First Time" for its first time at the recent wedding shown in the video, accompanied by master guitarist Dave Murdy.<br /> <br /> Ref: Concerts - in Blogs

(NewsUSA) - Today most homeowners want to do right by the environment while also caring for the health and wellness of their own families. But they don't always know what measures they can take with the design, construction, and furnishing of their houses to achieve eco-friendly, health-enhancing results.<br /> <br /> "Many responsible consumers are uncertain what a 'sustainable' product or material is," notes Linda Jovanovich of the American Hardwood Information Center, www.hardwoodinfo.com.<br /> <br /> "It simply means the particular resource is self-replenishing - something we can use freely now without fear that its supply will run out in the future. Since American hardwood forests renew themselves almost twice as fast as they are harvested, the U.S. supply of hardwoods for flooring, furniture, cabinetry, and millwork is sustainable now and for generations to come."<br /> <br /> As well as being plentiful and sustainable, American hardwood is carbon neutral: Growing trees absorb carbon dioxide from the atmosphere and break it down into oxygen, which is returned to the air, and carbon, which is used to create roots, trunk, branches, and leaves. In short, the use of natural American hardwoods throughout a house helps with the long-term removal of carbon from the environment.<br /> <br /> Hardwood can also benefit a household's general well-being.<br /> <br /> When artist Hadley Williams renovated her family home in California's Bay Area, she asked the makeover team - designer Sherry Williamson, architect Andrew Mann, and builder Michael McCutcheon - for a clean-lined, ultra-eco-friendly residence. They wrapped all the floors, ceilings, walls, and casework in the gutted interiors with plain-sawn American white oak, achieving a beautiful balance among aesthetics, sustainability, and healthfulness.<br /> <br /> Since the latter was a priority, each and every building product used was screened for a comprehensive list of more than 900 chemicals of concern. Using solid timber helped avoid the unhealthy volatile organic compounds (VOCs) found in laminate glues. Thanks to those efforts, the house has been certified LEED Platinum - the U.S. Green Building Council's highest ranking.<br /> <br /> Architect Stephanie Horowitz of Boston-based ZeroEnergy Design is another expert at creating contemporary, environmentally sensitive, family-friendly homes.<br /> <br /> "We regularly specify domestic, sustainably harvested hardwood floors," she says.<br /> <br /> "When paired with a non-VOC finish, a hardwood floor helps maintain healthy indoor-air quality while allowing us to support local business and overall environmental health."<br /> <br /> Such was the case with a house she recently designed for a client who wanted an exceptionally healthy and comfortable living environment in a traditional neighborhood. By installing quarter-sawn white-oak floors, and selecting other durable materials and finishes with low or no VOCs and no added urea formaldehyde, Horowitz was able to achieve LEED-platinum certification for the house and, more importantly, ensure that its inhabitants can breathe easy.<br /> <br /> Visit www.hardwoodinfo.com for more about sustainability and healthfulness in relation to home applications and products using American hardwoods.<br /> <br /> Ref: Decoration - in Blogs

<center><button data-toggle="modal" data-target="#appModal" class="btn btn-default app-button" style="width: 130px !important;margin-bottom:25px;font-weight:bold"><i class="fa fa-gamepad" style="margin-right:7px;color:#777"></i>Play App</button><input class="app-url" style="display:none!important" value="https://stallios.com/game-2/index.html"></center> <br /> Next-Gen game is the new exciting game where you can be part of the story and action. Simply select your world and assets and click on start to experience one of the most amazing and fascinating adventures of your life.<br /> <br /> AUDIENCE<br /> General - All ages<br /> <br /> ABOUT US<br /> We are GameWorld. A multi-national video game publisher company on a mission to create the next-gen games.<br /> <br /> PAGE URL<br /> Your Stallios page url<br /> <br /> <br /> Ref: Entertainment - in Apps