@
Meeting Invitation
Meeting Invitation


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

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

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

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

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

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

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

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

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

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

    Ref: Housework - in Blogs
    57 0

    Millie Zemlak Millie_Zemlak
    (NewsUSA) - Sponsored News - It seems as if there is nothing a smartphone can't do these days. It can get you where you want to go (most of the time), you can make reservations at your favorite restaurant, and now you can use it to detect whether your home is leaking energy or water.

    Thermal imaging, a once-costly technology, available only to the military and police or firefighters, is now just a finger-swipe away with the right attachment to your smartphone, thanks to Seek Thermal, a California-based technology company.

    The way it works is this: the Seek Compact Camera (which is smaller than a credit card swiper for your phone) attaches to your smartphone, turning it into a thermal imager that can then identify hot and cold spots in your house. After downloading a free app, the camera begins working in seconds and homeowners can then easily spot energy loss in the home caused by air leaks, missing or damaged insulation, insufficient HVAC or poor construction. In addition, the thermal imaging camera can also find water in roofs, walls, doors, and window frames.

    According to one user who tested the Seek camera at the end of winter in his own home, the results were "stunning."

    "Within minutes, I was able to detect sources of heat leaking out of my house," he says. "Some of these places are easy to fix, while others would be quite difficult."

    For professional contractors, the Seek CompactPRO is a must-have because the camera has enough sensitivity to locate radiant heating pipes under concrete slabs, identify unsealed insulation gaps in roofs, walls, and door and window frames, and find out how far water has spread in the case of a leak.

    Thinking of buying a home? This little jewel could save you all kinds of unexpected surprises in the form of water leaks in the basement and behind finished walls, and roof leaks that may have been painted over by a homeowner trying to disguise a problem.

    To protect your investment (both the camera and your phone), the Seek Compact has a compatible module for the OtterBox uniVERSE Case System.

    The smartphone attachment is designed to work with both iPhone and Android top models.

    For more information, please visit www.thermal.com.

    Ref: Awesome - in Blogs
    54 0

    Bob Mccullough bobm


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






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


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


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


    **** Mavs Story Lines


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


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


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


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


    J's Fatigue


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


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


    ** hum.


    What Matters About the Mavs Previous Opponents


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


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


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


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


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


    What Now For the Mavs?


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


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


    Finally, the Mavs need a third scorer. Badly. They got by with guys like PJ Washington and Derrick Jones this year, but bargain basement options like that almost always wilt like March daffodils when the playoffs roll around in April, May and June. The future's still bright in Cuban Land, but it's going to take some serious attitude and personnel adjustments to get Luka, Kyrie and company over the top.
    37 0

    Vanessa Leannon Vanessa_Leannon


    70 0

    Rachel Baughman crbaughman09


    6 0

    William Rodriguez wilrod1965
    10 0

    Millie Zemlak Millie_Zemlak
    (NewsUSA) - Fans of wholesome television have a double treat in store, as the UPtv network launches its new series, "Design Twins," on Valentine's Day.

    The reality series makes its debut at 8 pm Eastern time (ET) on February 14, and features twin sisters, Heidi and Heather, who team up to start an interior design business aimed at providing families with creative, beautiful and functional spaces. To get the new venture off the ground, the twins move their families in together to save money and increase efficiency.

    Viewers can empathize with their challenges as the twins, together with their husbands and a total of seven children under the age of 6, work to nurture both their families and their growing business, aptly named "Joyful Living."

    The Atlanta, Georgia-based UPtv makes it a full night of love for Valentine's Day this season by also airing the much-anticipated wedding of Josie Bates and Kelton Balka at 9 pm ET on the popular series, "Bringing Up Bates," following the premiere of "Design Twins."

    The wedding features a picturesque outdoor country setting and plenty of family participation in the festivities.

    "At UPtv, we celebrate family and life's biggest moments," says Amy Winter, general manager and evp. "We are excited to add 'Design Twins' to our Thursday night lineup as we continue to bring viewers uplifting and inspiring stories."

    Valentine's Day is a time to celebrate love and romance, but the network keeps heartwarming stories upfront year-round with new episodes of UPtv's hit series on Thursday nights, movie premieres on the weekend and fan-favorite acquired series throughout the week.

    UPtv continues the themes of love and family in 2019 with UP Faith & Family. The streaming service offers a variety of commercial-free, faith- and family-friendly entertainment anytime, anywhere. UP Faith & Family offers endless hours of movies, drama series and kids' programming. It's also the exclusive home for past seasons of UPtv originals.

    In February, UP Faith & Family will be adding the wedding-themed reality series, "Our Wedding Story," and "Crazy Beautiful Weddings," as well as other romance-themed programs, including the movies, "Bridal Bootcamp" and "Love's Last Resort." New titles are added monthly.

    Prospective viewers can enjoy a 14-day free trial of the service by downloading the UP Faith & Family app or visiting Upfaithandfamily.com.

    For more information about UPtv, go to UPtv.com or check for updates on Facebook at facebook.com/Uptv, Twitter on @Uptv and Instagram at UP_TV.

    Ref: Humor - in Blogs
    150 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
Load More