Stallios - the next generation social network

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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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How the National Media Messed Up the Mavs Predictions

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

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

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

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

**** Mavs Story Lines

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

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

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

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

J's Fatigue

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

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

** hum.

What Matters About the Mavs Previous Opponents

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

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

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

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

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

What Now For the Mavs?

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

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

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

How the National Media Messed Up the Mavs Predictions by Bob McCullough 6/14/24 Go into the recent archives of any major sports site, and you'll find a lot of names who should be embarrassed about their predictions for the Mavs-Celtics series. And they're not just the names of those who happened to cover the Mavs. The prediction split was close to 50/50. Maybe 60/40 in favor of the C's, which felt reasonable going into the Finals. Now it seems a little ridiculous. So what went wrong? Let's take a closer look at why the national media especially fell for the Dallas storyline, for it embodies a lot of what's wrong with sportswriting today and NBA coverage in particular. **** Mavs Story Lines This one's at the top of the list. Writers love superstars, and the NBA's entire culture is built around them. The old ebony/ivory combination of Kyrie Irving and Luka Doncic was irresistable as a result, especially given the story lines. Start with Irving, a fascinating wack job who's been shooting his career in the foot for a long time now. After getting in trouble for spewing anti-Semitic nonsense, breaking up teams, getting coaches fired and conveniently missing games due to his anti-vax rhetoric, Irving somehow managed to resurrect his career and transform himself into a supposedly responsible NBA elder in Dallas. It's the ultimate redemption storyline. If you really believe that I have deeds to several bridges I can sell you, but in a basketball context Doncic may be even worse, which hardly seems possible. He's the most offensively gifted player of his generation, and yet, to use the words of Bob Cousy, he "looks like a truck driver." Which is Cooz-speak for Luka being fat and out of shape, especially for a professional athlete, and the Celtics have relentlessly exploited that flaw. Add in the fact that he goes after the refs on EVERY play, and he's pretty sickening to watch, even with his incredibly skill set. That doesn't stop the writers from relentlessly loving the highlight plays; that's what they do. J's Fatigue This one's right up there, too. NBA writers especially are sick of writing the same old rivalry stories about Jason Tatum and Jaylen Brown, i.e., who's better, who gets paid more, who cares more about winning vs endorsements and brand, and so on. Not surprisingly, the rest of us are just as sick of reading them. Even more so now that' they've become largely irrelevant. Whatever their differences were--and there likely were differences, rest assured--they've worked them out to get to within a game of their first title. ** hum. What Matters About the Mavs Previous Opponents This one hasn't been explored as much, but it's relevant. National writers especially saw three glamour teams in the Clippers, the Thunder and the Wolves, which wasn't exactly the case. Start with the Clippers. They were always a shell of a team with lots of older star power--Kahwi, Paul George, the artist formerly known as Westbrick. Without a healthy Leonard, however, that formula was yesterday's news, as the Mavs quickly proved. Simply put, it was a hidden mismatch. On to the Thunder. This one's slightly more interesting. OKC surprised everyone with a first-round sweep over a New Orleans shell team supposedly "led" by the ever injured and absent Zion Williamson, which led to the assumption that they were ahead of the curve when it came to being playoff ready. Dallas exposed them as a bit of a donut team without enough secondary scoring after SGA, giving Sam Presti a solid blueprint for what he needs to fix going forward. The Thunder are one of the few teams where "watch out for them next year" carries a lot of weight. Lastly, the Timberwolves, who have one of the most oddly mismatched rosters in recent memory. They were perfectly constructed to stop the Nuggets, however, with two seven-footers available to get Nicola Jokic off his game. Against the Mavs, though, young Anthony Edwards was exposed as far from Finals-ready, and KAT came off once again as a seven foot scorer who sometimes plays at 6'6" under pressure. What Now For the Mavs? This one's simple, at least on paper--get Luka in shape, and convince him to play a nominal amount of defense. According to reports, though, Dallas has been trying to get him to do this for years, so that's where the "on paper" part comes in. They also need him to grow up. Luka's referee theater routine grew thin when he was exposed to a team with two All-Defense defenders, and at least two more who should be considered for that roster. Whining about fouls is fine when you have inferior defenders, but it doesn't hold water when athletes like Jaylen Brown and Jrue Holiday are in your grill taking options away. Finally, the Mavs need a third scorer. Badly. They got by with guys like PJ Washington and Derrick Jones this year, but bargain basement options like that almost always wilt like March daffodils when the playoffs roll around in April, May and June. The future's still bright in Cuban Land, but it's going to take some serious attitude and personnel adjustments to get Luka, Kyrie and company over the top.

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How to Protect Yourself From Cyber Attacks

(NewsUSA) - When business giants Target, Home Depot and Sony got hacked, and personal information was compromised, data security, once again, became a hot topic and household word.

Sure, you know you need to do more to shield your identity, but let's face it, you can only do so much to protect yourself, and even that is reliant on other people or companies. Unfortunately, these same entities can clearly be careless.

When people aren't careful, the Internet can become a playground for criminal activity. Whether you're checking your email, banking information or doing some online shopping, you have already put yourself at risk of having your identity stolen.

Criminals have developed several ways to obtain personal data from innocent Internet users. According to the United States Department of Justice, cyber criminals can take over an individual's identity to conduct a wide range of crimes. Criminals like to make fraudulent withdrawals from bank accounts because victims usually don't become aware of the criminal activity until substantial and irreversible damage has already been done.

Enter Gabriel, a set of secure communication apps derived from a U.S. Department of Defense project and created by VirnetX, an Internet security software and technology company.

Gabriel transmits information using automatic virtual private networks with military-grade encryption. Think Cryptograms.

"Gabriel has been designed and built with personal privacy and security as a foundational principle," says Dr. Robert Short, VirnetX Chief Technical Officer and Chief Scientist. "As a result, Gabriel provides uncompromising data security? users do not have to transmit data to, or store data with, any third party, including VirnetX. Users can therefore rest easy that their data is stored only on their devices."

Other benefits from using Gabriel include:

* Making free voice or video calls or sending instant messages to other Gabriel members in your network.

* Receiving spamless e-mail.

* Allowing for person-to-person messages that disappear once the session has ended.

* Sharing pictures or files with other trusted Gabriel users in your network directly from your personal device.

All of the above is done with other members of your network with the assurance that the transmissions are secured with end-to-end encryption.

Simply put, Gabriel makes your online communications invisible. Think of it this way: if the bad guys can't see you, they can't attack you.

Gabriel is free to try. For more information, please visit www.gabrielsecure.com.

Ref: Computers - in Blogs

(NewsUSA) - When business giants Target, Home Depot and Sony got hacked, and personal information was compromised, data security, once again, became a hot topic and household word. Sure, you know you need to do more to shield your identity, but let's face it, you can only do so much to protect yourself, and even that is reliant on other people or companies. Unfortunately, these same entities can clearly be careless. When people aren't careful, the Internet can become a playground for criminal activity. Whether you're checking your email, banking information or doing some online shopping, you have already put yourself at risk of having your identity stolen. Criminals have developed several ways to obtain personal data from innocent Internet users. According to the United States Department of Justice, cyber criminals can take over an individual's identity to conduct a wide range of crimes. Criminals like to make fraudulent withdrawals from bank accounts because victims usually don't become aware of the criminal activity until substantial and irreversible damage has already been done. Enter Gabriel, a set of secure communication apps derived from a U.S. Department of Defense project and created by VirnetX, an Internet security software and technology company. Gabriel transmits information using automatic virtual private networks with military-grade encryption. Think Cryptograms. "Gabriel has been designed and built with personal privacy and security as a foundational principle," says Dr. Robert Short, VirnetX Chief Technical Officer and Chief Scientist. "As a result, Gabriel provides uncompromising data security? users do not have to transmit data to, or store data with, any third party, including VirnetX. Users can therefore rest easy that their data is stored only on their devices." Other benefits from using Gabriel include: * Making free voice or video calls or sending instant messages to other Gabriel members in your network. * Receiving spamless e-mail. * Allowing for person-to-person messages that disappear once the session has ended. * Sharing pictures or files with other trusted Gabriel users in your network directly from your personal device. All of the above is done with other members of your network with the assurance that the transmissions are secured with end-to-end encryption. Simply put, Gabriel makes your online communications invisible. Think of it this way: if the bad guys can't see you, they can't attack you. Gabriel is free to try. For more information, please visit www.gabrielsecure.com. Ref: Computers - in Blogs

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Digital Resources to Play a Big Role in Education this Fall

(NewsUSA) - The upcoming school year will be like nothing teachers, students, and families have ever experienced, as the ongoing COVID-19 pandemic steers school systems to embrace online learning and incorporate it in new ways.

However, school systems across the country are rising to the challenge and staying connected to their students with dynamic digital resources, such as those from Discovery Education.

Since the beginning of the pandemic, school systems across the country have invested in digital services like Discovery Education Experience because they support students' education at home, in the classroom or wherever learning is taking place.

Experience - Discovery Education's flexible K-12 learning platform - connects educators to a vast collection of compelling high-quality, standards-aligned content, ready-to-use digital lessons, and professional learning resources. Together, these resources give educators everything they need to facilitate instruction in any learning environment and create lasting educational impact.

"Discovery Education is committed to keeping students and teachers connected to learning at home or in school," says Scott Kinney, Discovery Education's president of K-12 Education.

"To accomplish that, we partner with school systems to provide students and teachers the digital resources - such as Discovery Education Experienc - they need for success during this school year and beyond."

In addition, to providing school systems digital resources Discovery Education provides teachers the professional development they need to use new technologies and maximize their school district's technology investment.

Discovery Education has a long history as a global leader in digital curricula that align with the current standards for K-12 education, and their products include digital textbooks, multimedia resources, and professional learning for educators.

Visit discoveryeducation.com for more information about the company's resources, and visit https://www.discoveryeducation.com/district-partners to determine whether your local school district is making Discovery Education materials available to their students for the upcoming school year.

Ref: Colleges - in Blogs

(NewsUSA) - The upcoming school year will be like nothing teachers, students, and families have ever experienced, as the ongoing COVID-19 pandemic steers school systems to embrace online learning and incorporate it in new ways. However, school systems across the country are rising to the challenge and staying connected to their students with dynamic digital resources, such as those from Discovery Education. Since the beginning of the pandemic, school systems across the country have invested in digital services like Discovery Education Experience because they support students' education at home, in the classroom or wherever learning is taking place. Experience - Discovery Education's flexible K-12 learning platform - connects educators to a vast collection of compelling high-quality, standards-aligned content, ready-to-use digital lessons, and professional learning resources. Together, these resources give educators everything they need to facilitate instruction in any learning environment and create lasting educational impact. "Discovery Education is committed to keeping students and teachers connected to learning at home or in school," says Scott Kinney, Discovery Education's president of K-12 Education. "To accomplish that, we partner with school systems to provide students and teachers the digital resources - such as Discovery Education Experienc - they need for success during this school year and beyond." In addition, to providing school systems digital resources Discovery Education provides teachers the professional development they need to use new technologies and maximize their school district's technology investment. Discovery Education has a long history as a global leader in digital curricula that align with the current standards for K-12 education, and their products include digital textbooks, multimedia resources, and professional learning for educators. Visit discoveryeducation.com for more information about the company's resources, and visit <a target='_blank' href="https://www.discoveryeducation.com/district-partners">https://www.discoveryeducation.com/district-partners</a> to determine whether your local school district is making Discovery Education materials available to their students for the upcoming school year. Ref: Colleges - in Blogs

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The beautiful blend of gray and blue

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Racing game. Select quality: high, for fast rendering

Next-Gen game is the new exciting game where you can be part of the story and action. Simply select your world and assets and click on start to experience one of the most amazing and fascinating adventures of your life.

AUDIENCE
General - All ages

ABOUT US
We are GameWorld. A multi-national video game publisher company on a mission to create the next-gen games.

PAGE URL
Your Stallios page url

Ref: Entertainment - in Apps

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The Rise of Digital Wallets and Mobile Payments

(NewsUSA) - More businesses and countries worldwide are embracing digital payments as a way to make e-commerce more efficient and create a smoother transaction experience for consumers.

Digital wallets, such as uBUCK, offer a dollar-backed stable token built on Waves blockchain technology, one of the fastest blockchains available. uBUCK's technology allows for the management of both digital and traditional currency, and both online and offline purchasing power.

"Piloted by an all-star management team, uBUCK is looking beyond carving out a niche to become a disruptive player in this ever-changing payments industry," according to the company's website.

The uBUCK digital wallet allows for instant transfers of funds, and unlike some digital wallets, uBUCK is not limited to the United States. Transfers can occur globally, with no transfer fees and no cost to the end user.

The elimination of transfer fees is one of uBUCK's strongest selling points, as it is an option for those who don't have traditional bank accounts, such as migrant workers looking to send money home, or for anyone else, such as parents sending money to kids at college who want to avoid the additional fees associated with some financial transfers.

Users of uBUCK can transfer funds, make online purchases, or withdraw cash at an ATM, although reports on digital wallet use suggest that the expanded technology may ultimately replace the need for bank branches and ATMs.

Sending money with uBUCK is a simple, four-step process:

* Buy the voucher. Users download the uBUCK app and purchase a voucher.

* Buy uBUCK cash. Users redeem a PIN to purchase uBUCK cash.

* Select recipient. Users without a uBUCK account will be invited to the app via email.

* Send payment. Users can then enter the payment amount, send, and confirm.

"Our mission is to put honesty, transparency, and trust back into software," according to Ashik Karim, CEO of LiteLink Technologies, the parent company of uBUCK Technologies. LiteLink was recently featured in a Forbes magazine article, "10 Blockchain Companies to Watch in 2019."

LiteLink is publicly traded on the Canadian Securities Exchange and OTC Markets. Their symbols are CSE:LLT and OTC:LLNKF.

Ref: Apps - in Blogs

(NewsUSA) - More businesses and countries worldwide are embracing digital payments as a way to make e-commerce more efficient and create a smoother transaction experience for consumers. Digital wallets, such as uBUCK, offer a dollar-backed stable token built on Waves blockchain technology, one of the fastest blockchains available. uBUCK's technology allows for the management of both digital and traditional currency, and both online and offline purchasing power. "Piloted by an all-star management team, uBUCK is looking beyond carving out a niche to become a disruptive player in this ever-changing payments industry," according to the company's website. The uBUCK digital wallet allows for instant transfers of funds, and unlike some digital wallets, uBUCK is not limited to the United States. Transfers can occur globally, with no transfer fees and no cost to the end user. The elimination of transfer fees is one of uBUCK's strongest selling points, as it is an option for those who don't have traditional bank accounts, such as migrant workers looking to send money home, or for anyone else, such as parents sending money to kids at college who want to avoid the additional fees associated with some financial transfers. Users of uBUCK can transfer funds, make online purchases, or withdraw cash at an ATM, although reports on digital wallet use suggest that the expanded technology may ultimately replace the need for bank branches and ATMs. Sending money with uBUCK is a simple, four-step process: * Buy the voucher. Users download the uBUCK app and purchase a voucher. * Buy uBUCK cash. Users redeem a PIN to purchase uBUCK cash. * Select recipient. Users without a uBUCK account will be invited to the app via email. * Send payment. Users can then enter the payment amount, send, and confirm. "Our mission is to put honesty, transparency, and trust back into software," according to Ashik Karim, CEO of LiteLink Technologies, the parent company of uBUCK Technologies. LiteLink was recently featured in a Forbes magazine article, "10 Blockchain Companies to Watch in 2019." LiteLink is publicly traded on the Canadian Securities Exchange and OTC Markets. Their symbols are CSE:LLT and OTC:LLNKF. Ref: Apps - in Blogs

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