(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

1.Nihari,<br /> <br /> Nihari is a delicious meat stew loved by people all over the world, <br /> <br /> 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. <br /> <br /> It was originally invented in the 1800s to be consumed as a high energy, rich in nutrition and heavy on stomach dish <br /> <br /> to keep the working-class citizens full all day long and to provide required energy. <br /> <br /> However, in today's era it is eaten for its magical flavor which gives your tongue the flavor it craves! <br /> <br /> 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. <br /> <br /> It is traditionally served with naan (a fermented bread baked in a clay oven) <br /> <br /> <br /> <br /> 2. Namkeen rosh, <br /> <br /> 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. <br /> <br /> The ingredients only include; <br /> <br /> . Diced Ginger & Garlic <br /> <br /> . Meat (small pieces preferably fatty cuts) <br /> <br /> . And most important Salt which gives this dish its signature taste. <br /> <br /> 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. <br /> <br /> <br /> <br /> 3. Chicken tikka, <br /> <br /> Tikka (BBQ chicken generally well charred, spicy and tangy in flavor) is the dream of every meat loving person. <br /> <br /> 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. <br /> <br /> 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. <br /> <br />

(NewsUSA) - For many of us, a cup of coffee is essential to starting the day off right. For your teeth, it sets the stage for stains. And for those who like to have a glass of red wine at night, you're also ending your day with a noted tooth stainer. Other culprits can include: tea, sports drinks, curry, berries, tomato sauce and candies.<br /> <br /> The Eroders<br /> <br /> Your enamel is not only vulnerable to obvious acids like citrus fruits, vinegar and white wine, but sugar can have an acidic effect on your enamel as well. Plaque bacteria use sugar to produce acid, which then eats away at tooth enamel. This means the sodas, juices, sports drinks and candies<br /> <br /> -- basically anything with sugar in it -- can be eroding your enamel.<br /> <br /> The Breakers<br /> <br /> It goes without saying that biting into something very hard can damage your teeth. Similarly, something extremely chewy can pull on teeth and cause damage or loosen a crown. The foods to be wary of include: hard candies, chewy candies, ice, popcorn seeds and corn on the cob.<br /> <br /> The Driers<br /> <br /> That horrible "cotton-mouth" feeling after you've had a couple of drinks is actually bad for your teeth. When saliva flow is reduced, you stand a greater risk of tooth decay, oral infections and possibly gum disease. Triggers that can cause dry mouth include: alcohol, coffee, tea, caffeinated beverages and any salty foods.<br /> <br /> Don't despair! There are plenty of food options that actually promote tooth strength, whiteness and freshness. Feel free to indulge in fiber-rich fruits and vegetables that stimulate salivation. Cheeses, milk, yogurt and other dairy products are packed with calcium, phosphates, vitamin D and other minerals that promote all-over health. Also, calcium mixes with plaque and sticks to your teeth, providing protection from acids and rebuilding enamel on the spot. Green and black tea (without sugar added) can slow down tooth decay and gum disease by suppressing bacteria. Use fluoridated water to brew your tea, and you've just added a powerful decay prevention agent.<br /> <br /> For more information and to locate an American Academy of Cosmetic Dentistry AACD member dentist near you, please visit www.YourSmileBecomesYou.com.<br /> <br /> Ref: Eating - in Blogs

(NewsUSA) - The phrase 'six degrees of separation,' suggests that only a minuscule measurement is what divides one person from another. Today, the Internet of Things (IoT) has decreased those degrees dramatically, connecting us not only to each other, but to everything from our fitness trackers to our coffee makers.<br /> <br /> Consider this: according to a recent report by the Federal Trade Commission, the number of Internet-connected devices tops 25 billion worldwide. And that number is expected to double in the next five years, according to experts cited in the report.<br /> <br /> In a world where everyone and everything is connected, digital security is a must-have, just as important as the lock on your front door or the keys to your house.<br /> <br /> "Technology is revolutionizing the way consumers use cars, homes, work spaces and everyday items," Rep. Darrell Issa, R- Calif., told USA Today in a recent interview. "These devices raise both opportunities and questions about regulatory policy, spectrum space, privacy and more."<br /> <br /> Underscoring Issa's concerns are high-profile hacks, including one that took remote control of a Jeep on a busy highway. Experts warn who consumers need to understand that, although convenient, the IoT is an interconnected system, and security is needed to prevent a weakness in one device (like a SmartWatch) from becoming an open door to attack in another device (such as a connected car).<br /> <br /> The good news is that sensitive industries such as banking, government, and healthcare have worked with companies like Gemalto, a global leader in digital security, to solve difficult security challenges. While most may not recognize the name "Gemalto," experts say that almost everyone uses at least one or two of the company's solutions, which are embedded in a wide variety of connected devices, credit cards, passports, and ID badges.<br /> <br /> So, to ensure that your data is protected from hackers, Gemalto recommends the following tips:<br /> <br /> * Secure the device. Sensitive devices need an added layer of protection, such as a SIM card or a tamper-resistant Secure Element that stores data in a safe place.<br /> <br /> * Control the access. Implement two-factor authentication to ensure that only authorized people are granted access to the data.<br /> <br /> * Secure the data. Ensure that sensitive data is encrypted and that encryption keys are stored in a separate and safe place.<br /> <br /> For more information, please visit www.gemalto.com.<br /> <br /> Ref: Codes - in Blogs

(NewsUSA) - Later this month, the nation's largest-ever celebration of educational opportunity will kick off. During National School Choice Week (Jan 26-Feb 1), 50,000 events and activities around the nation will raise awareness about K-12 education choices.<br /> <br /> The real impact of school choice is what gives the Week such energy. A learning environment can change a life, sometimes unexpectedly. Remember the Dr. Seuss story featuring a character who, until he actually tries it, insists a dish of green eggs and ham is not for him? As President of National School Choice Week, I have the joy each month of hearing students, parents, and educators around the country share their own "green eggs and ham" moments.<br /> <br /> A teacher who was ready to leave the education field - until she overcame her skepticism about teaching in a virtual school. A mom who never dreamed she'd homeschool - until her son's medical needs led her to discover its benefits. A student who felt out of place in his previous school, but is now happy and thriving in a different traditional public school.<br /> <br /> That's the power of school choice. All children learn differently and families' needs vary. In the midst of healthy differences and human change, choice empowers families to access the learning environments that work for them now.<br /> <br /> School choice recognizes that parents are best positioned to know their child's passion for botany, reading struggles, or penchant for drawing quirky cartoons. And those same parents are best qualified to choose their children's learning environments.<br /> <br /> National School Choice Week celebrates traditional public, public charter, magnet, private, online, and home education. We celebrate and support families, too, whichever type of school they choose. That's because when families and schools bring their gifts together, students succeed.<br /> <br /> All children deserve to close their school books at the end of each week inspired and equipped to give back. So, if you love your school, celebrate it during School Choice Week! If you're searching for a school, be willing to try something new to find the right fit. You might have a green-eggs- and-ham moment, when your child's frustration with learning turns into an excited "I do love it!"<br /> <br /> For more information, visit schoolchoiceweek.com.<br /> <br /> Ref: Cultures - in Blogs

(NewsUSA) - Sometimes we're so caught up in all the pro sports stars whose lives have been wrecked by misusing prescription painkillers that we forget the problem extends down to the amateur level.<br /> <br /> And, yes, that does mean college and even high-school sports.<br /> <br /> At least one study put the number of college student athletes who've used prescription medications to enhance their performance at as high as 53.3 percent. And another recent study on high school athletes, published online in the Journal of Child & Adolescent Substance Abuse, reported that 12 percent of male seniors and 8 percent of female seniors admitted to abusing painkillers.<br /> <br /> To former ESPN.com columnist Gregg Easterbrook -- who wrote about painkillers in his book "The King of Sports: Football's Impact on America -- it's no surprise that the largest percentage of those young abusers play football.<br /> <br /> "Youth and high-school players see an example that appears to be of men so tough, they laugh at pain," he wrote. "The message sent is that young players should use their own bodies recklessly."<br /> <br /> So what's a concerned parent to do?<br /> <br /> Well, if your child is experiencing neuro-musculoskeletal-related pain from playing sports-- spinal pain, say, from too many tackles or strained soccer kicks --first know that the Centers for Disease Control and Prevention last March began urging physicians to avoid prescribing opioids for chronic pain in response to a record high 28,647 deaths involving the highly addictive drugs in 2014.<br /> <br /> Know, too, that the most popular non-pharmacologic alternative to routine care is drug-free chiropractic care.<br /> <br /> "Doctors of chiropractic play a key role in sports health care by providing hands-on care that help improve range of motion, flexibility, muscle strength, and other key performance factors," notes the not-for-profit Foundation for Chiropractic Progress' Sherry McAllister.<br /> <br /> Ref: Exercise - in Blogs

<br /> <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: Photography - in Blogs</span>