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Co-op Yacht Ownership Offers Hassle-Free Fun

(NewsUSA) - It seems as if there's co-ops for just about everything these days - condos, farms, horses, and now yachts.

Consider this: as with anything worth having, there are expenses and hassles associated with boat ownership that you may not even be aware of. But partial (fractional) ownership offers "all of the luxury and none of the hassle" according to the website of yacht co-op management company Saveene.

It works like this: The more fractions you purchase, the more yacht usage you can experience. For example, a 10 percent purchase equals approximately four weeks of yachting time each year; 20 percent entitles you to eight weeks, and so on.

For those who enjoy the periodical pleasure of luxury boating, fractional ownership is more cost-effective than sporadic charters, and has several other advantages:

- Predictability. Saveene fractional owners hold equity in the yacht and have the option to sell their fraction any time they like. Purchase as many fractions as you want, up to 10 fractions per yacht. When you choose your dates, contact Saveene and they will schedule and prepare your yacht for your arrival.

- Pampering. When you arrive at the marina, the yacht is clean, stocked, and safety-checked. Chart your course in advance, or allow your captain to create a memorable itinerary. Bring any food and beverages you choose, or Saveene yachts accommodate a chef or catering service.

- Peace of mind. With fractional ownership, you avoid many headaches associated with owning a boat outright, including maintenance, repairs, storage, transportation, and insurance. Saveene handles the business transactions of purchasing and selling the fractions as well when the time comes.

Saveene offers a range of options for yacht enthusiasts - a Sea Ray Sundancer for $19,995, a 36' Carver Mariner for a one-time fee of $ 39,995, a 64' Aicon for $89,980 or a combined usage of these for $69,985. All types are available at the same marina for viewing before making a purchase.

Sea Ray Sundancer: This 34-foot cruiser is ideal for families, and easy to maneuver along intercoastal waterways for boating, snorkeling, and dining at dockside restaurants.

Carver Mariner: This 37-foot boat features a fly bridge suited for parties, a home-size galley to accommodate larger food prep or catering, and a full entertainment center.

Aicon: The 64-foot yacht includes four full-sized cabins plus crew quarters to handle an extended excursion. All cabins include their own facilities and TV/DVD setups, and the yacht includes a collection of water toys for kids of all ages.

Want to go bigger? Saveene is also taking orders for an 85-foot Azimut yacht.

Other benefits include the opportunity to check out Saveene yachts for a risk-free trial and the ability to write off your fractional purchase on your taxes.

For more information about the benefits of yacht co-ownership, visit saveene.com.

Ref: Boats - in Blogs

(NewsUSA) - It seems as if there's co-ops for just about everything these days - condos, farms, horses, and now yachts. Consider this: as with anything worth having, there are expenses and hassles associated with boat ownership that you may not even be aware of. But partial (fractional) ownership offers "all of the luxury and none of the hassle" according to the website of yacht co-op management company Saveene. It works like this: The more fractions you purchase, the more yacht usage you can experience. For example, a 10 percent purchase equals approximately four weeks of yachting time each year; 20 percent entitles you to eight weeks, and so on. For those who enjoy the periodical pleasure of luxury boating, fractional ownership is more cost-effective than sporadic charters, and has several other advantages: - Predictability. Saveene fractional owners hold equity in the yacht and have the option to sell their fraction any time they like. Purchase as many fractions as you want, up to 10 fractions per yacht. When you choose your dates, contact Saveene and they will schedule and prepare your yacht for your arrival. - Pampering. When you arrive at the marina, the yacht is clean, stocked, and safety-checked. Chart your course in advance, or allow your captain to create a memorable itinerary. Bring any food and beverages you choose, or Saveene yachts accommodate a chef or catering service. - Peace of mind. With fractional ownership, you avoid many headaches associated with owning a boat outright, including maintenance, repairs, storage, transportation, and insurance. Saveene handles the business transactions of purchasing and selling the fractions as well when the time comes. Saveene offers a range of options for yacht enthusiasts - a Sea Ray Sundancer for $19,995, a 36' Carver Mariner for a one-time fee of $ 39,995, a 64' Aicon for $89,980 or a combined usage of these for $69,985. All types are available at the same marina for viewing before making a purchase. Sea Ray Sundancer: This 34-foot cruiser is ideal for families, and easy to maneuver along intercoastal waterways for boating, snorkeling, and dining at dockside restaurants. Carver Mariner: This 37-foot boat features a fly bridge suited for parties, a home-size galley to accommodate larger food prep or catering, and a full entertainment center. Aicon: The 64-foot yacht includes four full-sized cabins plus crew quarters to handle an extended excursion. All cabins include their own facilities and TV/DVD setups, and the yacht includes a collection of water toys for kids of all ages. Want to go bigger? Saveene is also taking orders for an 85-foot Azimut yacht. Other benefits include the opportunity to check out Saveene yachts for a risk-free trial and the ability to write off your fractional purchase on your taxes. For more information about the benefits of yacht co-ownership, visit saveene.com. Ref: Boats - in Blogs

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Student Athletes Emulate the Pros in Abusing Prescription Painkillers

(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.

And, yes, that does mean college and even high-school sports.

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.

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.

"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."

So what's a concerned parent to do?

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.

Know, too, that the most popular non-pharmacologic alternative to routine care is drug-free chiropractic care.

"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.

Ref: Exercise - 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. And, yes, that does mean college and even high-school sports. 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. 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. "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." So what's a concerned parent to do? 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. Know, too, that the most popular non-pharmacologic alternative to routine care is drug-free chiropractic care. "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. Ref: Exercise - in Blogs

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Simplicity is always powerful no matter how

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The Morning Routine: A Comedy of Errors

You ever notice how everyone's got a morning routine? "I'm a morning person," they say. "I'm a night owl," they claim. But let's be real, most of us are just trying to survive until our first cup of coffee.

I was talking to my friend George the other day, and he told me his morning routine involves hitting the snooze button 12 times. I'm pretty sure that's not what the wellness experts had in mind.

So, what's your morning routine? Are you a zen master or a caffeine junkie? Do you meditate, journal, or hit the gym? Or do you just roll out of bed and stumble into the kitchen?

Let's get real about our morning habits. What's working for you? What's not? Share your morning struggles and triumphs with us! 🤣☕️ #MorningRoutine #Lifestyle #ComedyOfErrors

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Find the Perfect Engagement Ring this Valentine's Day

(NewsUSA) - Preparing to pop the question this Valentine's Day, but unsure how to choose the right engagement ring? Read on for all the tools you need to make the perfect pick!

While choosing an engagement ring can be exciting, the variety of settings, precious metals, and diamonds can be overwhelming. However, the following tips will help you in finding the ideal diamond engagement ring.

Set your price limit.

Before you start shopping, know how much you want to spend. There is no right or wrong amount to put toward a ring, and many beautiful stones and styles are available to suit any budget. It's important to note that lab-grown diamonds can be up to 40 percent less expensive than mined stones.

Learn the "4 C's" of diamonds.

These are: cut, color, clarity, and carat. Here's the translation:

Cut: The cut of a diamond is the most important factor in determining its fire, brilliance, and sparkle.

Color: Not all diamonds are clear; some have varying tints of yellow.

Clarity: A measure of the number of flaws or inclusions in the stone.

Carat: A measure of the weight of the diamond. However, more weight also indicates a bigger size.

Consider shape.

The common diamond shapes used in engagement rings are round, cushion, pear, oval, princess, radiant, and emerald.

Each of these shapes has its fans and distinctive features. For example, a round diamond is the classic engagement ring style, but the larger facets of a cushion style can enhance brilliance, and the elongated emerald cut presents a bold look that can make a diamond appear larger than its carat weight.

Choose a setting.

Deciding the right setting or diamond shape for your stone is a personal decision. Some people have specific ideas for a setting, and take more time on the stone, or vice versa.

However, not all settings accommodate all shapes so it's important to prioritize one or the other if you are set on a particular shape or setting.

Typical engagement ring styles include the solitaire, a simple band that showcases any diamond shape; halo, in which a central stone is surrounded by smaller diamonds; classic, which features a row of accent diamonds along the ring band; and vintage, which replicates design styles from different time periods.

Contemplate your center stone.

When it comes to your center stone, there are a few different options to choose from. Although diamonds are the most popular, birthstones, moissanite, and cubic zirconia are also great budget-friendly options.

In regards to diamonds, there are two types to choose from: mined diamonds and lab-created diamonds.

While mined diamonds are extracted from the earth, lab-grown stones are guaranteed to be ethically sourced and, as mentioned above, up to 40 percent less expensive.

Both types are identical in terms of chemistry and physical appearance. However, interest in lab-created diamonds has surged in recent years as more couples are concerned with sustainability, as well as beauty and romance.

Ref: Dating - in Blogs

(NewsUSA) - Preparing to pop the question this Valentine's Day, but unsure how to choose the right engagement ring? Read on for all the tools you need to make the perfect pick! While choosing an engagement ring can be exciting, the variety of settings, precious metals, and diamonds can be overwhelming. However, the following tips will help you in finding the ideal diamond engagement ring. Set your price limit. Before you start shopping, know how much you want to spend. There is no right or wrong amount to put toward a ring, and many beautiful stones and styles are available to suit any budget. It's important to note that lab-grown diamonds can be up to 40 percent less expensive than mined stones. Learn the "4 C's" of diamonds. These are: cut, color, clarity, and carat. Here's the translation: Cut: The cut of a diamond is the most important factor in determining its fire, brilliance, and sparkle. Color: Not all diamonds are clear; some have varying tints of yellow. Clarity: A measure of the number of flaws or inclusions in the stone. Carat: A measure of the weight of the diamond. However, more weight also indicates a bigger size. Consider shape. The common diamond shapes used in engagement rings are round, cushion, pear, oval, princess, radiant, and emerald. Each of these shapes has its fans and distinctive features. For example, a round diamond is the classic engagement ring style, but the larger facets of a cushion style can enhance brilliance, and the elongated emerald cut presents a bold look that can make a diamond appear larger than its carat weight. Choose a setting. Deciding the right setting or diamond shape for your stone is a personal decision. Some people have specific ideas for a setting, and take more time on the stone, or vice versa. However, not all settings accommodate all shapes so it's important to prioritize one or the other if you are set on a particular shape or setting. Typical engagement ring styles include the solitaire, a simple band that showcases any diamond shape; halo, in which a central stone is surrounded by smaller diamonds; classic, which features a row of accent diamonds along the ring band; and vintage, which replicates design styles from different time periods. Contemplate your center stone. When it comes to your center stone, there are a few different options to choose from. Although diamonds are the most popular, birthstones, moissanite, and cubic zirconia are also great budget-friendly options. In regards to diamonds, there are two types to choose from: mined diamonds and lab-created diamonds. While mined diamonds are extracted from the earth, lab-grown stones are guaranteed to be ethically sourced and, as mentioned above, up to 40 percent less expensive. Both types are identical in terms of chemistry and physical appearance. However, interest in lab-created diamonds has surged in recent years as more couples are concerned with sustainability, as well as beauty and romance. Ref: Dating - in Blogs

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Make the Most of Virtual Meetings

(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.

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?

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.

The Presence Summit "is for any individual or business that uses online communications and considers professional development a priority," according to the meeting website.

Organizers say that "this thought-leader forum is designed specifically for enhancing communications in a video presence era."

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.

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.

In addition, all virtual conference attendees receive a free copy of "The Online Meeting Survival Guide," by Paul Richards, business development manager at HuddleCamHD.

"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."

Leading up to the Summit, the book can be downloaded for free at huddlecamhd.com/online-meetings.

Visit PresenceSummit.com for additional details and speaker information. And watch a video about the event on YouTube at https://bit.ly/2Chpki1.

Ref: Business - in Blogs

(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. 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? 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. The Presence Summit "is for any individual or business that uses online communications and considers professional development a priority," according to the meeting website. Organizers say that "this thought-leader forum is designed specifically for enhancing communications in a video presence era." 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. 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. In addition, all virtual conference attendees receive a free copy of "The Online Meeting Survival Guide," by Paul Richards, business development manager at HuddleCamHD. "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." Leading up to the Summit, the book can be downloaded for free at huddlecamhd.com/online-meetings. 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> Ref: Business - in Blogs

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The 5 Best AI Chatbot Builder

Struggling to keep up with endless customer questions? You’re not alone. Businesses are realizing that AI-powered chatbots are no longer just “nice-to-have” tools they’re essential for delivering fast, 24/7 customer support.

But here’s the real challenge: with so many chatbot platforms out there, how do you know which one fits your business?

In this guide, I’ll walk you through the 5 best AI chatbot builders in 2025. These tools are not only user-friendly but also designed to help businesses of all sizes automate conversations, save time, and increase customer satisfaction.

What Makes a Great AI Chatbot Builder?
Before diving into the list, let’s set some standards. A solid chatbot builder should offer:

Ease of use – No-code or low-code platforms are best for beginners.
AI capabilities – Natural Language Processing (NLP) for smarter conversations.
Integrations – Works seamlessly with CRMs, websites, or apps.
Scalability – Can grow with your business.
Analytics – Helps you measure performance and customer interactions.

If a chatbot builder ticks most of these boxes, it’s worth considering.

1. ManyChat – Best for Marketing Automation
manyChat is a go-to chatbot builder if you’re running an online store or want to automate conversations on social media platforms like Facebook Messenger and Instagram.

Key Features:

Visual drag-and-drop builder
Automated workflows for lead generation
Supports SMS, WhatsApp, and email campaigns
Integrates with Shopify and HubSpot

Best For: E-commerce stores and social media marketers who want to convert followers into paying customers.

2. Intercom – Best for Customer Support
Intercom is one of the most popular customer communication platforms, and its AI chatbot functionality is top-notch. According to TechCrunch, Intercom has been a pioneer in scaling customer support with conversational AI.

Key Features:

AI-powered resolution bot
Proactive customer engagement
Powerful integrations with Slack, Salesforce, and Zapier
Real-time analytics

Best For: SaaS companies and customer support teams needing advanced automation.

3. Tidio – Best for Small Businesses
If you’re just getting started and want something simple yet effective, Tidio is a fantastic option. It combines live chat with AI automation in one platform.

Key Features:

Easy to install on WordPress, Shopify, and Wix
AI bot trained to answer FAQs
Mobile app for on-the-go support
Affordable plans

Best For: Small businesses that want a budget-friendly AI chatbot solution.

4. Drift – Best for B2B Sales Conversations
Drift positions itself as a conversational marketing platform, and for good reason. It focuses on creating real-time, personalized chat experiences that drive sales.

Key Features:

AI bots qualify leads automatically
Custom playbooks for B2B sales
Integration with major CRMs like Salesforce and Marketo
Personalized chat based on visitor data

Best For: B2B businesses that rely heavily on lead generation and relationship building.

5. HubSpot Chatbot Builder – Best All-in-One CRM Integration
HubSpot offers a free chatbot builder inside its all-in-one CRM. This makes it incredibly useful for businesses already using HubSpot for marketing and sales.

Key Features:

No-code chatbot builder
Automated lead qualification
Seamless integration with HubSpot CRM
Free plan with premium upgrades

Best For: Businesses already in the HubSpot ecosystem who want a cost-effective chatbot solution.

Final Thoughts
The right AI chatbot builder depends on your business goals:

Use ManyChat if you’re focused on social media and e-commerce.
Choose Intercom for powerful customer support automation.
Try Tidio if you’re a small business on a budget.
Go with Drift for B2B lead generation.
Pick HubSpot for all-in-one CRM integration.

At the end of the day, the “best” chatbot is the one that fits your audience, budget, and growth strategy. Start small, experiment, and optimize as you go.

Have you tried any of these chatbot builders before? Share your experience I’d love to hear which one worked best for you!

Struggling to keep up with endless customer questions? You’re not alone. Businesses are realizing that AI-powered chatbots are no longer just “nice-to-have” tools they’re essential for delivering fast, 24/7 customer support. But here’s the real challenge: with so many chatbot platforms out there, how do you know which one fits your business? In this guide, I’ll walk you through the 5 best AI chatbot builders in 2025. These tools are not only user-friendly but also designed to help businesses of all sizes automate conversations, save time, and increase customer satisfaction. What Makes a Great AI Chatbot Builder? Before diving into the list, let’s set some standards. A solid chatbot builder should offer: Ease of use – No-code or low-code platforms are best for beginners. AI capabilities – Natural Language Processing (NLP) for smarter conversations. Integrations – Works seamlessly with CRMs, websites, or apps. Scalability – Can grow with your business. Analytics – Helps you measure performance and customer interactions. If a chatbot builder ticks most of these boxes, it’s worth considering. 1. ManyChat – Best for Marketing Automation manyChat is a go-to chatbot builder if you’re running an online store or want to automate conversations on social media platforms like Facebook Messenger and Instagram. Key Features: Visual drag-and-drop builder Automated workflows for lead generation Supports SMS, WhatsApp, and email campaigns Integrates with Shopify and HubSpot Best For: E-commerce stores and social media marketers who want to convert followers into paying customers. 2. Intercom – Best for Customer Support Intercom is one of the most popular customer communication platforms, and its AI chatbot functionality is top-notch. According to TechCrunch, Intercom has been a pioneer in scaling customer support with conversational AI. Key Features: AI-powered resolution bot Proactive customer engagement Powerful integrations with Slack, Salesforce, and Zapier Real-time analytics Best For: SaaS companies and customer support teams needing advanced automation. 3. Tidio – Best for Small Businesses If you’re just getting started and want something simple yet effective, Tidio is a fantastic option. It combines live chat with AI automation in one platform. Key Features: Easy to install on WordPress, Shopify, and Wix AI bot trained to answer FAQs Mobile app for on-the-go support Affordable plans Best For: Small businesses that want a budget-friendly AI chatbot solution. 4. Drift – Best for B2B Sales Conversations Drift positions itself as a conversational marketing platform, and for good reason. It focuses on creating real-time, personalized chat experiences that drive sales. Key Features: AI bots qualify leads automatically Custom playbooks for B2B sales Integration with major CRMs like Salesforce and Marketo Personalized chat based on visitor data Best For: B2B businesses that rely heavily on lead generation and relationship building. 5. HubSpot Chatbot Builder – Best All-in-One CRM Integration HubSpot offers a free chatbot builder inside its all-in-one CRM. This makes it incredibly useful for businesses already using HubSpot for marketing and sales. Key Features: No-code chatbot builder Automated lead qualification Seamless integration with HubSpot CRM Free plan with premium upgrades Best For: Businesses already in the HubSpot ecosystem who want a cost-effective chatbot solution. Final Thoughts The right AI chatbot builder depends on your business goals: Use ManyChat if you’re focused on social media and e-commerce. Choose Intercom for powerful customer support automation. Try Tidio if you’re a small business on a budget. Go with Drift for B2B lead generation. Pick HubSpot for all-in-one CRM integration. At the end of the day, the “best” chatbot is the one that fits your audience, budget, and growth strategy. Start small, experiment, and optimize as you go. Have you tried any of these chatbot builders before? Share your experience I’d love to hear which one worked best for you! Category: Technology - in Blogs

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Royal Pains - Chapter 1

Just me writing my little story! It's a coming of age story about a girl graduating from high school and not being sure where to go from there. Her family and friends help her out with a little bit of chaos and a lot of luck!

“T! Can I borrow your notes for French?” Hailey fluttered her eyelashes at me and gave me her most winning smile, knowing that my notes were at least twenty times better than hers. I rolled my eyes and reached for my bag. I was ready for the French exam later, it was on my study schedule to be way beyond prepared. I started studying months ago so that I could get all of my sleeping in. Of course, Hailey almost never sleeps.
“Oh my gosh, girlie hand them over,” speaking of not sleeping, Evelyn had just walked over and was holding her hand out to me. I’m not sure how Evelyn ever slept, since she ran with me every morning at 5 am and she was on every sports team that she could fit into her schedule, plus some advanced classes.
“Hey, hey, no! I asked first!” Hailey gave a pouty look, her lip out and her eyes big. With her tiny frame and overly stunning blue eyes she looked adorable, but I knew that Evelyn probably needed the notes more. She struggled with French, and Hailey had had me and Cardan there to help her all year. Evelyn and I had only become friends a couple of months ago, despite having run the same route together everyday for the past four years.
I shoot Hailey a sympathetic smile and pull out my red notebook with Iron Man stickers coating it and hand it to Evelyn.
“Eek! You’re the best!” She planted a kiss on my cheek, which earned me a jokingly jealous look from Hails. Honestly, I couldn’t blame her either. With her perfectly clear brown skin and her hair always done up in some sort of cute braids, Evelyn was one of the prettiest girls in our grade. Of course, she was also a sweetheart and therefore sat down on the couch next to Hailey so that they could review together. Hailey started chattering with Evelyn about something or another as I closed my eyes, drifting off to sleep.

“Pencils down!” Madame Saker’s yell startled me awake and I heard a small, stifled chuckle from Cardan, who was sitting next to me. I wiped the little bit of drool off of my face and shot him a quick glare, but by the time I looked over, he was already staring at his exam again, his lower lip firmly stuck between his teeth. Honestly, at this point it’s a miracle that he still has lips with how often he gnaws on those things. We start passing our tests forward and I toss my pencil onto his desk to get his attention. When Cardan looks over at me, his brow is furrowed and he looks moments from a panic attack. I throw him a thumbs up and a questioning face and he gives a despairing shrug. Cardan is actually one of the smartest kids in our grade, but he never believes he did well on literally anything. I know that the five seconds between our tests getting to her and Madame dismissing us could be vital to Cardan’s mental state, so I reach over and grab his hand. It’s shaking, but he intertwines his fingers with mine and takes a breath deep enough that people across the world could have seen it. He squeezes my hand right as Madame calls that we can leave. The bell won’t ring today because it “disturbs the mind of a studying student”. Basically, the headmaster thinks that anyone who is currently studying and not in an exam will be startled really badly by the bell, even though we are all expecting it.
Cardan releases my hand with a small smile and grabs his bag. No one else in the room has theirs except for Hailey who is already pulling out her dance notebook. I grab my pencil from Cardan’s desk and tuck it into my ponytail as I walk over to Hails, Cardan trailing behind me.
“So, T, how did you do? Cause I think that I messed up the conjugation of être on the fifth question, but it was a fill in the blank, and if that’s all I messed up, we’re totally fine… Do you think that I could run tendus twice today without some of the younger kids getting annoyed? It really helps their turnout, but they also complain sometimes…” Her tongue appears between her teeth as she scribbles in her notebook, completely lost to the rest of us now. Cardan and I exchange an eye roll over her head. Surprisingly easy, considering that she stopped growing in like fourth grade at 4’ 10”.
“Thanks for the notes Tiana, they really helped!” Evelyn bumps my shoulder lightly as she walks past and I wave goodbye to her before placing a gentle hand on Hailey’s back and scooping up her bag, steering her in the direction of the common room. She continues mumbling under her breath as Cardan pulls out a book and follows behind us, already lost to the world as well.
By the time we reach the common room, I’ve had to steer the two of them to avoid five different people rushing around and at least three people who tried to talk to them about the exams we’ve taken. Of course, neither of them know this, and both collapse on a couch to continue what they were doing, giving me the room to climb between them and take a nap with my head on Cardan’s lap and feet on Hailey’s.

It’s Hailey who wakes me up about an hour later in order to remind me that we need to change for the parties later tonight. Since we’re seniors, we kind of get a free pass to go to every single end-of-year party, and Hailey is also friends with everyone, so she has people to see at all of them. Cardan takes this as his cue to leave, and kisses both of us on the forehead before heading upstairs to his room. He’s probably packing up his cat’s supplies for the trip home tomorrow. I’ll have to leave hails at some point tonight to check up on him before he gets too in his head about going home.
“So, what are we thinking? I know that the soccer girls always wear their jerseys, but like cropped or bedazzled or whatever you guys do to them, but I don’t think that you can wear that to every party… Or maybe we could stop back here and change between that and other parties. Well, I wouldn’t want people at the parties to notice you changed, since that might be a little weird. Oh! Can you do my hair for tonight? I can’t just wear it in a ballet bun like usual, since that is what I do all the time. Oh my gosh! Did I send out the message to remind the kids that classes are canceled tonight?” Hailey continued rambling, thankfully remembering that she did actually send out the reminder, several of them actually, as I steered her to our bedroom. She flopped back on my bed, still talking, as I slipped out of my leggings and tank top and into a pair of ripped skinny jeans with my purple and red jersey that Hailey had stitched into a crop top and bedazzled the number 8 on the back. She was still talking as I shoved my clothes in my laundry hamper, so I grabbed one of her decorative pillows that was on the floor and threw it at her.
“What?” Hails sat up, and finally looked at me, a cute blush coloring her cheeks as she realized I was already changed. “Are you gonna take that pencil out for the party?” That was her only verbal acknowledgement of my clothes change as she headed over to her closet and grabbed a cute purple dress and white ballet slippers, slipping in for five seconds before coming out already changed.
“Hair?” She threw me another dazzling smile before plopping back on my bed. I grabbed my hairbrush from its place on the dresser and climbed on the bed behind her, listening to her ramble about everyone’s summer plans and pretending that it was okay that I had absolutely no clue what I was planning to do once summer ended. I had no college plans, no job plans, nothing prepared for my life.
“Done!” I finally said, cutting Hailey off a little, but she barely noticed as she pranced to the mirror to look at her wraparound braid.
“You’re an angel! Thank you!” Hails ran back and kissed my cheek before grabbing earrings off of the mess on her dresser and sliding them in as I pulled out my phone. I had a text from Cardan asking if I was done with the book he lent me and double checking the dates I was staying with him, a text from Evelyn that was just a picture of her jersey that she had cut holes into the side of and made slimmer around the waist to fit her, and a few texts in the soccer group chat about who was bringing what. I ignored the group chat, sent Evelyn a thumbs up and a selfie and shot a quick reassuring text (or seven) to Cardan before tossing my phone down and shrieking when I found Hailey standing an inch from my face.
“Ready?”
“You’re a pain,” I mumbled as I stood up, reaching for my phone again and tucking it in my back pocket. “Let’s go.”
“YAY!” Hailey pranced from the room, leading me to the first party of the end of my high school life.

Just me writing my little story! It's a coming of age story about a girl graduating from high school and not being sure where to go from there. Her family and friends help her out with a little bit of chaos and a lot of luck! “T! Can I borrow your notes for French?” Hailey fluttered her eyelashes at me and gave me her most winning smile, knowing that my notes were at least twenty times better than hers. I rolled my eyes and reached for my bag. I was ready for the French exam later, it was on my study schedule to be way beyond prepared. I started studying months ago so that I could get all of my sleeping in. Of course, Hailey almost never sleeps. “Oh my gosh, girlie hand them over,” speaking of not sleeping, Evelyn had just walked over and was holding her hand out to me. I’m not sure how Evelyn ever slept, since she ran with me every morning at 5 am and she was on every sports team that she could fit into her schedule, plus some advanced classes. “Hey, hey, no! I asked first!” Hailey gave a pouty look, her lip out and her eyes big. With her tiny frame and overly stunning blue eyes she looked adorable, but I knew that Evelyn probably needed the notes more. She struggled with French, and Hailey had had me and Cardan there to help her all year. Evelyn and I had only become friends a couple of months ago, despite having run the same route together everyday for the past four years. I shoot Hailey a sympathetic smile and pull out my red notebook with Iron Man stickers coating it and hand it to Evelyn. “Eek! You’re the best!” She planted a kiss on my cheek, which earned me a jokingly jealous look from Hails. Honestly, I couldn’t blame her either. With her perfectly clear brown skin and her hair always done up in some sort of cute braids, Evelyn was one of the prettiest girls in our grade. Of course, she was also a sweetheart and therefore sat down on the couch next to Hailey so that they could review together. Hailey started chattering with Evelyn about something or another as I closed my eyes, drifting off to sleep. “Pencils down!” Madame Saker’s yell startled me awake and I heard a small, stifled chuckle from Cardan, who was sitting next to me. I wiped the little bit of drool off of my face and shot him a quick glare, but by the time I looked over, he was already staring at his exam again, his lower lip firmly stuck between his teeth. Honestly, at this point it’s a miracle that he still has lips with how often he gnaws on those things. We start passing our tests forward and I toss my pencil onto his desk to get his attention. When Cardan looks over at me, his brow is furrowed and he looks moments from a panic attack. I throw him a thumbs up and a questioning face and he gives a despairing shrug. Cardan is actually one of the smartest kids in our grade, but he never believes he did well on literally anything. I know that the five seconds between our tests getting to her and Madame dismissing us could be vital to Cardan’s mental state, so I reach over and grab his hand. It’s shaking, but he intertwines his fingers with mine and takes a breath deep enough that people across the world could have seen it. He squeezes my hand right as Madame calls that we can leave. The bell won’t ring today because it “disturbs the mind of a studying student”. Basically, the headmaster thinks that anyone who is currently studying and not in an exam will be startled really badly by the bell, even though we are all expecting it. Cardan releases my hand with a small smile and grabs his bag. No one else in the room has theirs except for Hailey who is already pulling out her dance notebook. I grab my pencil from Cardan’s desk and tuck it into my ponytail as I walk over to Hails, Cardan trailing behind me. “So, T, how did you do? Cause I think that I messed up the conjugation of être on the fifth question, but it was a fill in the blank, and if that’s all I messed up, we’re totally fine… Do you think that I could run tendus twice today without some of the younger kids getting annoyed? It really helps their turnout, but they also complain sometimes…” Her tongue appears between her teeth as she scribbles in her notebook, completely lost to the rest of us now. Cardan and I exchange an eye roll over her head. Surprisingly easy, considering that she stopped growing in like fourth grade at 4’ 10”. “Thanks for the notes Tiana, they really helped!” Evelyn bumps my shoulder lightly as she walks past and I wave goodbye to her before placing a gentle hand on Hailey’s back and scooping up her bag, steering her in the direction of the common room. She continues mumbling under her breath as Cardan pulls out a book and follows behind us, already lost to the world as well. By the time we reach the common room, I’ve had to steer the two of them to avoid five different people rushing around and at least three people who tried to talk to them about the exams we’ve taken. Of course, neither of them know this, and both collapse on a couch to continue what they were doing, giving me the room to climb between them and take a nap with my head on Cardan’s lap and feet on Hailey’s. It’s Hailey who wakes me up about an hour later in order to remind me that we need to change for the parties later tonight. Since we’re seniors, we kind of get a free pass to go to every single end-of-year party, and Hailey is also friends with everyone, so she has people to see at all of them. Cardan takes this as his cue to leave, and kisses both of us on the forehead before heading upstairs to his room. He’s probably packing up his cat’s supplies for the trip home tomorrow. I’ll have to leave hails at some point tonight to check up on him before he gets too in his head about going home. “So, what are we thinking? I know that the soccer girls always wear their jerseys, but like cropped or bedazzled or whatever you guys do to them, but I don’t think that you can wear that to every party… Or maybe we could stop back here and change between that and other parties. Well, I wouldn’t want people at the parties to notice you changed, since that might be a little weird. Oh! Can you do my hair for tonight? I can’t just wear it in a ballet bun like usual, since that is what I do all the time. Oh my gosh! Did I send out the message to remind the kids that classes are canceled tonight?” Hailey continued rambling, thankfully remembering that she did actually send out the reminder, several of them actually, as I steered her to our bedroom. She flopped back on my bed, still talking, as I slipped out of my leggings and tank top and into a pair of ripped skinny jeans with my purple and red jersey that Hailey had stitched into a crop top and bedazzled the number 8 on the back. She was still talking as I shoved my clothes in my laundry hamper, so I grabbed one of her decorative pillows that was on the floor and threw it at her. “What?” Hails sat up, and finally looked at me, a cute blush coloring her cheeks as she realized I was already changed. “Are you gonna take that pencil out for the party?” That was her only verbal acknowledgement of my clothes change as she headed over to her closet and grabbed a cute purple dress and white ballet slippers, slipping in for five seconds before coming out already changed. “Hair?” She threw me another dazzling smile before plopping back on my bed. I grabbed my hairbrush from its place on the dresser and climbed on the bed behind her, listening to her ramble about everyone’s summer plans and pretending that it was okay that I had absolutely no clue what I was planning to do once summer ended. I had no college plans, no job plans, nothing prepared for my life. “Done!” I finally said, cutting Hailey off a little, but she barely noticed as she pranced to the mirror to look at her wraparound braid. “You’re an angel! Thank you!” Hails ran back and kissed my cheek before grabbing earrings off of the mess on her dresser and sliding them in as I pulled out my phone. I had a text from Cardan asking if I was done with the book he lent me and double checking the dates I was staying with him, a text from Evelyn that was just a picture of her jersey that she had cut holes into the side of and made slimmer around the waist to fit her, and a few texts in the soccer group chat about who was bringing what. I ignored the group chat, sent Evelyn a thumbs up and a selfie and shot a quick reassuring text (or seven) to Cardan before tossing my phone down and shrieking when I found Hailey standing an inch from my face. “Ready?” “You’re a pain,” I mumbled as I stood up, reaching for my phone again and tucking it in my back pocket. “Let’s go.” “YAY!” Hailey pranced from the room, leading me to the first party of the end of my high school life.

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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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