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Unlock Your Home Equity with a Home Co-investment

(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

(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

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A real king got everything to be respected

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Championing the Right to Age Well

(NewsUSA) - In 1967, one of today's most iconic runners made her mark in history.

Despite an angry official who tried to push her off the course of the Boston Marathon, Kathrine Switzer defiantly ran on, broke barriers and became the first woman to officially complete the legendary race.

Today, at the age of 70, Switzer continues to defy the odds.

This year, she ran the 26.2-mile Boston Marathon again to celebrate the 50th anniversary of her historic milestone and continued to inspire others to break new ground. She also announced a partnership with the health and well-being company, Humana, to help celebrate seniors, encourage them to take an optimistic view of aging, and live healthy, active lifestyles.

"When the Boston Marathon race director tried to shove me off the course in 1967, my life's purpose was crystalized. I knew I wanted to be a champion for others committed to blazing their own path," Switzer says.

"I'm working with Humana to inspire seniors to achieve their best health, so they can experience all that life has to offer."

Switzer shared tips on how she maintains an optimistic outlook on aging, and why she believes that great things are ahead when your health is ready -- no matter what age you are!

Don't let your age define you.

The biggest tip is to realize that you're never too old, too slow or too out-of-shape to begin living an active lifestyle. Whether it's walking the dog a bit further than usual, or taking a swim at the local health club -; finding ways to get active can help you live healthier and be more optimistic.

Take it one step at a time. Allow time to adjust to a new routine. Start small and build on your efforts in small intervals. Listen to your body and be proud of your progress.

Two is better than one. To help you stay motivated, get a buddy who has similar fitness goals. If a buddy is waiting for you, you won't worry about being embarrassed or feeling slow; it'll just be the two of you. There are few things greater than sharing victories and accomplishments with someone close.

Make time for rest. Equally as important as staying active is ensuring that your body recovers from the stress endured from physical activity. Not only will your body thank you, but you will grow to love your active lifestyle more without aches and pains holding you back.

Switzer recently took her message to the National Senior Games presented by Humana, one example of how the company is committed to championing seniors and breaking barriers -- namely, the stereotypes associated with seniors in today's society -- and proving that with a healthy body and mind, age is truly just a number. While at the Games, she participated in the 10K Road Race in a celebratory role and presented an inspiring and encouraging speech at the Celebration of Athletes.

In addition to being a fierce advocate for seniors and optimistic aging, Switzer has been a lifelong advocate for women runners in general.

In 1972, she co-founded the first women's-only road race; in 1984, she led the drive to get the women's marathon into the Olympic Games; and in 2015, she founded 261 Fearless, a global non-profit that empowers and connects women through the transformative action of running, and encouraging them to overcome life obstacles and embrace healthy living.

"I think optimism is everything and you don't have to be a marathon runner to possess it," Switzer says.

"The more you do, the more you can do!"

Ref: Competitions - in Blogs

(NewsUSA) - In 1967, one of today's most iconic runners made her mark in history. Despite an angry official who tried to push her off the course of the Boston Marathon, Kathrine Switzer defiantly ran on, broke barriers and became the first woman to officially complete the legendary race. Today, at the age of 70, Switzer continues to defy the odds. This year, she ran the 26.2-mile Boston Marathon again to celebrate the 50th anniversary of her historic milestone and continued to inspire others to break new ground. She also announced a partnership with the health and well-being company, Humana, to help celebrate seniors, encourage them to take an optimistic view of aging, and live healthy, active lifestyles. "When the Boston Marathon race director tried to shove me off the course in 1967, my life's purpose was crystalized. I knew I wanted to be a champion for others committed to blazing their own path," Switzer says. "I'm working with Humana to inspire seniors to achieve their best health, so they can experience all that life has to offer." Switzer shared tips on how she maintains an optimistic outlook on aging, and why she believes that great things are ahead when your health is ready -- no matter what age you are! Don't let your age define you. The biggest tip is to realize that you're never too old, too slow or too out-of-shape to begin living an active lifestyle. Whether it's walking the dog a bit further than usual, or taking a swim at the local health club -; finding ways to get active can help you live healthier and be more optimistic. Take it one step at a time. Allow time to adjust to a new routine. Start small and build on your efforts in small intervals. Listen to your body and be proud of your progress. Two is better than one. To help you stay motivated, get a buddy who has similar fitness goals. If a buddy is waiting for you, you won't worry about being embarrassed or feeling slow; it'll just be the two of you. There are few things greater than sharing victories and accomplishments with someone close. Make time for rest. Equally as important as staying active is ensuring that your body recovers from the stress endured from physical activity. Not only will your body thank you, but you will grow to love your active lifestyle more without aches and pains holding you back. Switzer recently took her message to the National Senior Games presented by Humana, one example of how the company is committed to championing seniors and breaking barriers -- namely, the stereotypes associated with seniors in today's society -- and proving that with a healthy body and mind, age is truly just a number. While at the Games, she participated in the 10K Road Race in a celebratory role and presented an inspiring and encouraging speech at the Celebration of Athletes. In addition to being a fierce advocate for seniors and optimistic aging, Switzer has been a lifelong advocate for women runners in general. In 1972, she co-founded the first women's-only road race; in 1984, she led the drive to get the women's marathon into the Olympic Games; and in 2015, she founded 261 Fearless, a global non-profit that empowers and connects women through the transformative action of running, and encouraging them to overcome life obstacles and embrace healthy living. "I think optimism is everything and you don't have to be a marathon runner to possess it," Switzer says. "The more you do, the more you can do!" Ref: Competitions - in Blogs

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Seek to Know More: How Your Smartphone Can Save You Money

(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

(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

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This Spring, It's all About That Bass Fishing -- and Your Basic Gear

(NewsUSA) - The days of using a stick, some string and a worm are as much a part of American culture as apple pie and baseball. Unlike that time, there are now many choices for anglers this spring, depending on where you'll be fishing.

In fact, selecting your gear is half the fun. But for starters, set aside the rods, reels, rigs, jigs and tackle, it's also just as important to remember these items that are often overlooked:

* Use sunscreen. You only have to suffer from sun poisoning one time to understand the relationship between sun and water. While the water may be cold and temperatures out-side chilly, sun reflecting off the water will still give you a burn. A sweat proof sunscreen that won't run and sting the eyes is ideal, as is one that won't leave a greasy residue that could adversely affect your grip.

* Wear a base layer. A thin T-shirt is a must as a base layer, better if it is made of fabric that wicks away moisture. There are even some that are made to be water repellent and stain resistant with anti-odor properties for those in warmer climes. Since this is the layer that is in direct contact with your skin, you want something that will allow moisture to escape as you sweat.

* Find the right pants. Spring days on the water are usually an all-day event, and call for versatility in your clothing. To that point, pants that convert to shorts are ideal. Like shirts, pants should be stain-resistant. Additionally, the pants should have plenty of pockets (with zippers) to carry anything extra. If you don't have access to a boat or dock, extend your fishing range with a good pair of fishing waders.

* Cover your head. Hats with a hard-hat liner will keep your neck, ears and head warm in cold weather. For warmer climates, a wide-brimmed hat will guard against sunburn, overheating and overexposure.

* Bring the extras. This could include a life vest, cooler or, if you happen to be a smokeless tobacco user, a portable spittoon like those offered by Flasr. The Atlanta-based company prides itself on creating the first-of-its-kind portable spittoon that is small enough to fit in your pocket and carry along wherever you go -- whether it's fishing on a lake or hunting in a blind. Its advanced closing mechanism ensures that it stays securely closed, eliminating the risk of spills and leaks.

For more information, visit www.flasr.com; Market listing: FLASR (OTCQB: FLSR).

Ref: Fishing - in Blogs

(NewsUSA) - The days of using a stick, some string and a worm are as much a part of American culture as apple pie and baseball. Unlike that time, there are now many choices for anglers this spring, depending on where you'll be fishing. In fact, selecting your gear is half the fun. But for starters, set aside the rods, reels, rigs, jigs and tackle, it's also just as important to remember these items that are often overlooked: * Use sunscreen. You only have to suffer from sun poisoning one time to understand the relationship between sun and water. While the water may be cold and temperatures out-side chilly, sun reflecting off the water will still give you a burn. A sweat proof sunscreen that won't run and sting the eyes is ideal, as is one that won't leave a greasy residue that could adversely affect your grip. * Wear a base layer. A thin T-shirt is a must as a base layer, better if it is made of fabric that wicks away moisture. There are even some that are made to be water repellent and stain resistant with anti-odor properties for those in warmer climes. Since this is the layer that is in direct contact with your skin, you want something that will allow moisture to escape as you sweat. * Find the right pants. Spring days on the water are usually an all-day event, and call for versatility in your clothing. To that point, pants that convert to shorts are ideal. Like shirts, pants should be stain-resistant. Additionally, the pants should have plenty of pockets (with zippers) to carry anything extra. If you don't have access to a boat or dock, extend your fishing range with a good pair of fishing waders. * Cover your head. Hats with a hard-hat liner will keep your neck, ears and head warm in cold weather. For warmer climates, a wide-brimmed hat will guard against sunburn, overheating and overexposure. * Bring the extras. This could include a life vest, cooler or, if you happen to be a smokeless tobacco user, a portable spittoon like those offered by Flasr. The Atlanta-based company prides itself on creating the first-of-its-kind portable spittoon that is small enough to fit in your pocket and carry along wherever you go -- whether it's fishing on a lake or hunting in a blind. Its advanced closing mechanism ensures that it stays securely closed, eliminating the risk of spills and leaks. For more information, visit www.flasr.com; Market listing: FLASR (OTCQB: FLSR). Ref: Fishing - in Blogs

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Simplicity is always powerful no matter how

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Blue water in a mystery world

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Let's take a walk all the way up to heaven

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Messi vs Ronaldo: Football’s Greatest Rivalry

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