(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

Follow me as I explain a different way to view the mundane of everyday life. Sometimes it's better to take a good look around you and discover the beauty that is right infront of you.<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: Motivation - in Blogs</span>

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When discussing Indonesia's most internationally recognized tourist destinations, Pura Ulun Danu Beratan in Bedugul, Bali, stands as an unparalleled landmark. This magnificent temple represents far more than a conventional tourist attraction—it embodies the perfect harmony between Bali's traditional architecture and the breathtaking natural beauty of the island's mountainous regions, captivating millions of visitors from around the globe.<br /><br />Primary Attractions of Pura Ulun Danu Beratan<br /><br />Pura Ulun Danu Beratan serves as one of Bali's most renowned icons, demonstrating the seamless integration of traditional Balinese architecture with stunning mountain landscapes. Bali's deeply rooted cultural heritage and spiritual traditions make this temple an extraordinary magnet for both domestic and international tourists.<br />Located in Candikuning Village, Baturiti District, Tabanan Regency, the temple stands gracefully on the northwestern shore of Lake Beratan. Its strategic position on the lake, surrounded by verdant hills, creates panoramic views that are both spectacular and highly photogenic.<br /><br />Rich History and Profound Philosophy<br /><br />Pura Ulun Danu Beratan possesses an extensive history, constructed in 1556 Caka or 1634 CE by I Gusti Agung Putu, the King of Mengwi during that period. Archaeological artifacts discovered within the temple complex are estimated to be approximately 500 years older than the Common Era, indicating that this area has served as a sacred site for the Balinese community for centuries.<br />The temple's construction originated from the story of I Gusti Agung Putu's defeat against I Gusti Ngurah Batu Tumpeng. Following his loss, the king performed meditation and spiritual retreat at the peak of Mount Mangu, seeking enlightenment and divine power. After receiving blessings, he arose and began constructing this temple as an expression of gratitude and a plea for protection.<br />The temple is dedicated to Dewi Danu, the goddess of water, lakes, and rivers in Balinese Hindu beliefs, recognizing the critical importance of Lake Beratan as the primary irrigation source for central Bali. The temple's construction also represents a petition for agricultural fertility, prosperity, welfare, and environmental preservation of the surrounding area.<br /><br />Magnificent Architecture and Temple Complex<br /><br />Pura Ulun Danu Beratan comprises four temple complexes and one stupa: Pura Lingga Petak as the place of worship for Lord Shiva, Pura Dalem Purwa for worshipping Dewi Danu, and a Buddhist Stupa symbolizing harmony and unity among religious communities.<br />The eleven-tiered meru building, which serves as the primary spiritual center of the complex, showcases captivating traditional Balinese architecture. Every detail of carving and ornamentation on the temple buildings reflects the exceptional artistic and spiritual values of Balinese society.<br /><br />Refreshing Mountain Natural Beauty<br /><br />One of the primary advantages of visiting Pura Ulun Danu Beratan is the remarkably cool and refreshing mountain atmosphere. Located in the Bedugul highlands at approximately 1,200 meters above sea level, this area offers clean air and cool temperatures, providing a stark contrast to Bali's typically hot and humid coastal regions.<br />The presence of the expansive and pristine Lake Beratan enhances the natural coolness of the area. Visitors can enjoy views of the tranquil lake with stunning temple reflections, particularly during morning hours when thin mist still envelops the water surface.<br /><br />Current Ticket Prices and Facilities Information<br /><br />For 2025, entrance ticket prices for Pura Ulun Danu Beratan have been adjusted. Domestic tourists are charged IDR 40,000 for regular days and IDR 50,000 for weekends and national holidays. International tourists pay IDR 75,000 for adults and IDR 50,000 for children.<br />In addition to entrance tickets, visitors must pay parking fees of IDR 3,000 for motorcycles, IDR 5,000 for cars, and IDR 10,000 for buses. Supporting facilities available in the area are quite comprehensive, including adequate parking areas, restrooms, food stalls, and rest areas.<br /><br />International Recognition and Iconic Status<br /><br />Pura Ulun Danu Beratan enjoys widespread international recognition. One of the highest honors achieved by this temple was when its image was immortalized as the design on Indonesia's former 50,000 rupiah banknotes. This distinction established the temple as one of Indonesia's most globally recognized landmarks.<br />The beauty and architectural uniqueness of the temple standing above the lake waters have made it an extremely popular photography subject on international social media platforms. Professional photographers and tourists from various countries travel specifically to capture the temple's extraordinary beauty.<br /><br />Tourist Activities and Experiences<br /><br />The Pura Ulun Danu Beratan complex covers a substantial area, allowing tourists to explore freely, enjoy various perspectives, and spend quality time at this location. Visitors can engage in numerous activities including exploring the temple complex while learning about the history and philosophy of each building. The well-maintained temple area, featuring colorful flower gardens, provides highly enjoyable visual experiences.<br />Photography represents the primary activity undertaken by visitors. Every corner of the temple offers compelling photographic angles, from temple reflections on the lake surface to silhouettes of towering meru structures against mountain backdrops.<br />Visitors frequently experience the spiritual atmosphere and tranquility emanating from the temple complex. Many guests report feelings of inner peace and spiritual inspiration during their visits to this sacred site.<br /><br />Optimal Visiting Times<br /><br />To achieve the best experience, visiting during morning hours between 06:00-09:00 WIB is recommended. During this period, the air remains exceptionally cool, sunlight provides optimal conditions for photography, and visitor numbers remain manageable. Additionally, morning hours often feature thin mist phenomena enveloping the lake, creating highly mystical and photogenic atmospheres.<br /><br />Conclusion<br /><br />Pura Ulun Danu Beratan transcends conventional tourist destinations—it serves as a window showcasing Indonesia's cultural wealth, spirituality, and natural beauty. The perfect combination of magnificent traditional architecture, refreshing mountain natural beauty, and profound historical significance establishes this temple as an essential destination when visiting Bali.<br />For those seeking travel experiences beyond ordinary recreation, Pura Ulun Danu Beratan offers a blend of education, spirituality, and visual beauty that creates lasting impressions. Do not miss the opportunity to visit this internationally renowned Indonesian icon and personally experience its unforgettable charm.<br />Have you visited Pura Ulun Danu Beratan? Share your experiences and impressions in the comments section. If this article proves beneficial, please share it with friends planning vacations to Bali.

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

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(NewsUSA) - In 1967, one of today's most iconic runners made her mark in history.<br /> <br /> 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.<br /> <br /> Today, at the age of 70, Switzer continues to defy the odds.<br /> <br /> 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.<br /> <br /> "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.<br /> <br /> "I'm working with Humana to inspire seniors to achieve their best health, so they can experience all that life has to offer."<br /> <br /> 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!<br /> <br /> Don't let your age define you.<br /> <br /> 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.<br /> <br /> 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.<br /> <br /> 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.<br /> <br /> 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.<br /> <br /> 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.<br /> <br /> In addition to being a fierce advocate for seniors and optimistic aging, Switzer has been a lifelong advocate for women runners in general.<br /> <br /> 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.<br /> <br /> "I think optimism is everything and you don't have to be a marathon runner to possess it," Switzer says.<br /> <br /> "The more you do, the more you can do!"<br /> <br /> Ref: Competitions - in Blogs

The Importance of Breakfast<br /> <br /> In today's fast-paced world, maintaining a healthy lifestyle can often feel like a daunting task. However, one of the simplest yet most impactful habits you can adopt is starting your day with a nutritious breakfast. This small act not only sets a positive tone for the rest of your day but also provides numerous health benefits that contribute to your overall well-being.<br /> <br /> Why Breakfast Matters<br /> Breakfast is rightly hailed as the most important meal of the day for several reasons. After a night of fasting, your body needs essential nutrients to replenish its energy reserves and kick-start your metabolism. A balanced breakfast fuels your body and mind, improving concentration, mood, and productivity throughout the day. Research consistently shows that people who eat breakfast are more likely to maintain a healthy weight and make better food choices later in the day.<br /> <br /> Components of a Healthy Breakfast<br /> A healthy breakfast should include a variety of nutrients to ensure optimal functioning:<br /> <br /> Complex Carbohydrates: Whole grains like oats, whole wheat bread, or quinoa provide sustained energy and fiber, which aids digestion.<br /> <br /> Protein: Eggs, yogurt, nuts, or lean meats offer essential amino acids that help repair and build tissues, support immune function, and keep you feeling full longer.<br /> <br /> Healthy Fats: Avocado, nuts, seeds, and olive oil provide essential fatty acids that support brain function and heart health.<br /> <br /> Fruits and Vegetables: These are rich in vitamins, minerals, and antioxidants crucial for overall health and disease prevention.<br /> <br /> Tips for a Balanced Breakfast<br /> Plan Ahead: Prepare breakfast items the night before to save time in the morning.<br /> <br /> Avoid Sugary Foods: Opt for whole fruits instead of fruit juices or sugary cereals to avoid spikes in blood sugar levels.<br /> <br /> Hydrate: Start your day with a glass of water to hydrate your body after hours of sleep.<br /> <br /> Listen to Your Body: Eat when you feel hungry, and pay attention to portion sizes to avoid overeating.<br /> <br /> Incorporating Breakfast into Your Routine<br /> If you find it challenging to eat breakfast due to time constraints or lack of appetite in the morning, start with small, manageable portions. Smoothies packed with fruits, vegetables, and protein are convenient options for those on the go. Alternatively, try incorporating breakfast foods into your mid-morning snack, such as yogurt with granola or a piece of whole fruit.<br /> <br /> Conclusion<br /> By making breakfast a priority in your daily routine, you not only enhance your physical health but also boost your mental and emotional well-being. Remember, a healthy lifestyle is built on consistent habits, and breakfast is a cornerstone that sets the tone for the rest of your day. Embrace this simple yet powerful practice, and watch as it transforms your energy levels, focus, and overall quality of life. <span style='display:none' class='DO NOT REMOVE - THIS CATEGORY CODE WILL BE HIDDEN - IT IS NEEDED TO BE FOUND BY CATEGORY AND ONE-CLICK SEARCH'>Category: Health - in Blogs</span>