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(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

Welcome to Epickaiju, the best pub in town for an amazing dessert, in an awesome evening. Come to see us, and bring your friends with you, and you will be extremely delighted. We guaranty it at 100 percent! <br /> <br /> What we need<br /> <br /> We're looking for influencers to increase our customer base. We need you to post invitations to invite followers to visit our dessert pub via a 15 second video or permanent story. We'll send you $500.00, or 50,000 gift-points once the post is done. If you're interested, simply say you're Interested in a comment below this post.<br /> <br /> CONDITIONS<br /> <br /> Audience<br /> United-States, UK, Australia<br /> <br /> Language<br /> English<br /> <br /> Channels<br /> Lifestyle, Fashion, Beauty, Travel<br /> <br /> Minimum Followers<br /> 1000<br /> <br /> Age Group<br /> 18-65<br /> <br /> Genders<br /> Any<br /> <br /> Post Type<br /> 15 Second Video or Story With Images<br /> <br /> Pay Per Post Amount in Money<br /> $500.00<br /> <br /> Pay Per Post in Points. 100 Points = $1.00<br /> 50,000<br /> <br /> Commission Per Sale<br /> $0<br /> <br /> Item Shipped For Review<br /> None<br /> <br /> Must Create a New Creative From Scratch<br /> Yes<br /> <br /> Must Use The Images And Video Supplied<br /> No<br /> <br /> Must Follow Some Specific Guidelines<br /> No<br /> <br /> Must Avoid Saying or Showing Specific Things<br /> No<br /> <br /> Content Must Be Approved Before Posting<br /> No<br /> <br /> Delivery Delay in Days<br /> 5 Business day<br /> <br /> Delivery Exact Date<br /> None<br /> <br /> Our Website URL<br /> <a onclick="$('#phonebook-category-no-city').val($(this).text());" class="coolinks btn-scroll hashword" href="https://stallios.com/Epickaiju">Epickaiju</a><br /> <br /> <br /> <span style='display:none' class='DO NOT REMOVE - THIS CATEGORY CODE WILL BE HIDDEN - IT IS NEEDED TO BE FOUND BY CATEGORY AND ONE-CLICK SEARCH'>Category: Influencer Marketing Offers - in Marketing</span>

(NewsUSA) - As energy costs rise, the "green" movement and conservation efforts have become popular topics. Energy-saving recommendations appear daily in the media, and consumers are being offered subsidies or state and federal tax credits to encourage the purchase of more efficient appliances. However, many homeowners fail to consider their water heater when it comes to going "green."<br /> <br /> Although today's water heaters are expected to operate for an average of 13 years, the U.S. Department of Energy recommends shopping for a new water heater if your current unit is more than seven years old. This allows an adequate amount of time for homeowners to research and select a water heater that best meets their needs instead of waiting until their heater breaks down and selecting the cheapest quick fix for cold showers.<br /> <br /> Consumers are increasingly turning to high-efficiency water heaters when replacing older units or during remodeling and building projects. While these models may cost more initially, savings in water and energy usage continue throughout the lifetime of the appliance, offsetting the price difference. The U.S. Environmental Protection Agency reports that these units use 10 to 50 percent less energy, benefits to both your budget and the environment.<br /> <br /> A recent study by the Gas Technology Institute simulated the residential performance of high-efficiency water heaters and conventional units. The Vertex from A. O. Smith, a hybrid, gas-condensing, residential unit incorporating tank-type and tankless technology, provided the best overall performance at average and high-volume hot water usage, which is the consumption of 64-gallons or more per day of hot water.<br /> <br /> Endorsed by long-time environmental champion Ed Begley Jr. of the HGTV series "Living With Ed," the Vertex provides sufficient quantities of hot water for shower after shower and operates at 90 percent thermal efficiency. Additionally, it is designed to meet the demands that modern lifestyles require.<br /> <br /> "Using more efficient combustion to produce hot water at lower operating costs and 90 percent thermal efficiency, the Vertex is a good choice for customers who want to save energy without skimping on hot water," said David Chisolm, A. O. Smith Water Heater brand manager.<br /> <br /> For more information on the A. O. Smith Vertex model, visit hotwater.com/resources/energy-star-qualified-products/.<br /> <br /> Ref: Gifts - in Blogs

(NewsUSA) - No matter who you are or what business you are in, you're vulnerable to a cyber attack. That's the unfortunate reality of the times we live in.<br /> <br /> Think you're immune? There are millions of cyberattacks in the United States every year, with big companies like Home Depot, Adobe Systems, Sony, Citigroup, Target, Facebook, Evernote and The New York Times taking the biggest hits and falling victim.<br /> <br /> And like Fortune 500 companies that seemingly have the resources to battle data breaches, small businesses are just as exposed, if not more so. According to a Verizon Data Breach Investigations Report more than 70 percent of the businesses in the study that were breached had fewer than 100 employees. Those breaches result in huge losses. Trend Micro found that "cybercriminals steal as much as $1 billion a year from SMBs in the United States and Europe, alone."<br /> <br /> Which begs the question: If both large and small companies and the U.S. government can be compromised (even with security protocols in place), then what does that mean for individuals?<br /> <br /> It's a question that Dr. Robert Short, chief technology officer and chief technical scientist of VirnetX, struggled with and finally answered in the form of Gabriel, a set of secure encrypted communication apps derived from a CIA-sponsored Department of Defense project.<br /> <br /> "The genesis of Gabriel really was trying to solve the problem of how you make security transparent to the user. The means to automatically create a secure connection whenever a secure connection is needed to wherever it is needed, and create it on demand," says Short. "That has always been the vision behind Gabriel."<br /> <br /> The difference between Gabriel and other products, says Short, is that users do not have to transmit data to or store data with any third party, including VirnetX. In this way, data is stored only on their own devices. Essentially, users maintain control of their own data.<br /> <br /> Gabriel users also have secure, encrypted (spamless) email, text messages, free voice and video calls and picture or file share with other trusted Gabriel users in their network -- all directly from their personal device.<br /> <br /> Gabriel runs on iPhone, iPad, Android, Windows and Mac OSX. For more information or to download Gabriel go to gabrielsecure.com, the App Store or the Google Play store.<br /> <br /> Ref: Datacenters - in Blogs

Social media is a search engine. Learn how to get found. <a onclick="$('#phonebook-category-no-city').val($(this).text());" class="coolinks btn-scroll hashword" href="https://stallios.com/blogs/category/1">Marketing</a><br /><br /><br /><br /><span style='display:none' class='DO NOT REMOVE - THIS CATEGORY CODE WILL BE HIDDEN - IT IS NEEDED TO BE FOUND BY CATEGORY AND ONE-CLICK SEARCH'>Category: Marketing - in Blogs</span><br /><br />If you're on social media but no one's finding you, you're not a ghost—you’re just invisible.<br /><br />Let’s have a little truth fest, shall we?<br /><br />You keep posting. You're dancing. You're showing your iced coffee. You're even dropping wisdom that should get you a book deal. But the only one liking your stuff is your aunt Tammy and that one MLM girl who’s always “cheering you on.”<br /><br />Mama, let me say this with love and a strong shot of espresso (decaf if you're off caffeine like a psycho):<br />Social media is not just for showing up. It's for getting found.<br /><br />That’s right. Instagram. TikTok. Pinterest. Facebook. Even LinkedIn if you’re feeling fancy.<br />They’re not just platforms — they are search engines in glitter and crop tops.<br />Social Media = Search Engine (Yes, Really)<br /><br />Let me break it down like your toddler breaks down when you cut the sandwich the wrong way.<br /><br />All of these platforms have search bars. You know what that means?<br />People are typing things like:<br /><br /> “Mom blog”<br /><br /> “Easy vegan toddler meals”<br /><br /> “Freelance writing tips”<br /><br /> “Jesus and coffee memes” (okay maybe that’s just me)<br /><br />If your profile isn’t optimized, you could be serving up exactly what they need—and still be chilling in the shadow realm of the algorithm. No ma’am. We don’t do invisible over here.<br />1. Your Name Is Prime Real Estate<br /><br />Stop putting “✨Mama of 3✨” in your name field. I love your babies, but that’s not what people are searching.<br /><br />Instead, tell the algorithm what you do.<br />Example:<br />Erica | SEO Copywriter for Moms<br />or<br />Jess | Pinterest Coach for Bloggers<br /><br />Now when someone types “Pinterest coach,” boom. You’re in the game.<br />2. Your Bio Is a Mini Sales Page<br /><br />That little box? It’s not a throwaway. It's not for inspirational quotes. It’s for hooking followers like the savvy mama boss you are.<br /><br />Format cheat code:<br /><br />👋 Who you help<br />💡 What you help them do<br />🔗 Your freebie or offer<br /><br />Example:<br />Helping writer moms grow their blog + make bank online 💸<br />👇 Grab the free SEO checklist<br /><br />Short. Sassy. Searchable. Yes please.<br />3. Keywords. Yep, Even on Instagram.<br /><br />Pinterest mamas already know the power of keywords. But IG? TikTok? Yes girl. They’ve been creeping on your captions this whole time.<br /><br />Use the exact words your dream audience would type. You’re not just posting a reel. You’re posting a searchable piece of content.<br /><br />Instead of:<br />“Loved making this for dinner!”<br />Try:<br />“Easy one-pan vegan meal for busy moms 🍽️ #veganrecipes #quickdinnerideas #momlifehacks”<br /><br />Don’t keyword stuff. We’re not robots. But do give the platform something to latch onto.<br />4. Hashtags Aren’t Dead, They’re Just Boring If You Use ‘#Blessed’<br /><br />Choose hashtags that are specific to your niche and content. Think of them as little roads leading people to your profile.<br /><br /> #MomBloggerTips<br /><br /> #ChristianMomsWhoWrite<br /><br /> #FreelanceWritingLife<br /><br /> #FaithBasedBiz<br /><br />Keep a rotating list. And for the love of viral reach, don’t just copy and paste the same 30 dead hashtags on every post.<br />5. Your Content Needs to Scream “Hey Algorithm, Pick Me!”<br /><br />Here’s the hard truth, boo:<br /><br />If you're just vibing, you're blending in.<br /><br />Your content needs to answer questions, solve problems, or entertain in a way that makes the algorithm go, “Ooh, I know someone who’d love this.”<br /><br />So instead of vague captions like,<br />“Just showing up today 🥰”<br />Try:<br />“Here’s how I built a blog that gets 1,000+ monthly visits—with no tech degree and 3 kids screaming in the background.”<br /><br />Because THAT, my friend, is search engine gold.<br />Final Word from Your Favorite Truth-Teller<br /><br />You’re not too late. You’re not too old. You’re not too small.<br />You’re just not searchable—yet.<br /><br />Social media doesn’t reward mystery. It rewards clarity.<br />So rewrite that bio. Add keywords to your captions. Use that name field like your business depends on it—because it kinda does.<br /><br />And if you're still feeling stuck, don’t worry—I got you.<br />Follow me for more great tips or DM me with questions.<br /><br /><br />Now go make the algorithm your sidekick, Mama.<br />You’re building an empire—and empires don’t hide.

As a passionate and experienced content writer, I bring a strong background in creating engaging, high-quality content across various platforms and formats. My expertise in digital marketing, SEO, and storytelling allows me to craft compelling narratives that captivate audiences and drive results. With a keen eye for detail and a commitment to continuous improvement, I am dedicated to producing content that aligns with brand voice and objectives. I thrive in collaborative environments and am excited about the opportunity to contribute my skills to your team.