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107
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Aric Aric_Feeney
Category: Photography - in Blogs
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<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: Photography - in Blogs</span>
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Aric Aric_Feeney
Category: Photography - in Blogs
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<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: Photography - in Blogs</span>
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Sharon inc one
If you travel by car
From The East:
1. Take the autoroute 25.
2. Exit at Grand boulevard.
3. Turn left and go straight for 500 meters.
4. Go to 1234 Grand boulevard on your right.
From The West:
1. Take the autoroute 25.
2. Exit at Grand boulevard.
3. Turn right and go straight for 500 meters.
4. Go to 1234 Grand boulevard on your left.
From The North:
1. Take the autoroute 10 to get the 25.
2. Exit at Grand boulevard.
3. Turn left and go straight for 500 meters.
4. Go to 1234 Grand boulevard on your right.
From The South:
1. Take the autoroute 10 to get the 25.
2. Exit at Grand boulevard.
3. Turn right and go straight for 500 meters.
4. Go to 1234 Grand boulevard on your left.
If you travel by bus
From The East:
1. Take the bus 128 west, transfer to the 69 north.
2. Exit at Grand boulevard.
3. Turn left and walk straight for 500 meters.
4. Go to 1234 Grand boulevard on your right.
From The West:
1. Take the bus 128 east, transfer to the 69 south.
2. Exit at Grand boulevard.
3. Turn right and walk straight for 500 meters.
4. Go to 1234 Grand boulevard on your left.
From The North:
1. Take the bus 10 south, transfer to the 122 east.
2. Exit at Grand boulevard.
3. Turn left and walk straight for 500 meters.
4. Go to 1234 Grand boulevard on your right.
From The South:
1. Take the bus 10 north, transfer to the 122 west.
2. Exit at Grand boulevard.
3. Turn right and walk straight for 500 meters.
4. Go to 1234 Grand boulevard on your left.
Ref: Directions - in Blogs
From The East:
1. Take the autoroute 25.
2. Exit at Grand boulevard.
3. Turn left and go straight for 500 meters.
4. Go to 1234 Grand boulevard on your right.
From The West:
1. Take the autoroute 25.
2. Exit at Grand boulevard.
3. Turn right and go straight for 500 meters.
4. Go to 1234 Grand boulevard on your left.
From The North:
1. Take the autoroute 10 to get the 25.
2. Exit at Grand boulevard.
3. Turn left and go straight for 500 meters.
4. Go to 1234 Grand boulevard on your right.
From The South:
1. Take the autoroute 10 to get the 25.
2. Exit at Grand boulevard.
3. Turn right and go straight for 500 meters.
4. Go to 1234 Grand boulevard on your left.
If you travel by bus
From The East:
1. Take the bus 128 west, transfer to the 69 north.
2. Exit at Grand boulevard.
3. Turn left and walk straight for 500 meters.
4. Go to 1234 Grand boulevard on your right.
From The West:
1. Take the bus 128 east, transfer to the 69 south.
2. Exit at Grand boulevard.
3. Turn right and walk straight for 500 meters.
4. Go to 1234 Grand boulevard on your left.
From The North:
1. Take the bus 10 south, transfer to the 122 east.
2. Exit at Grand boulevard.
3. Turn left and walk straight for 500 meters.
4. Go to 1234 Grand boulevard on your right.
From The South:
1. Take the bus 10 north, transfer to the 122 west.
2. Exit at Grand boulevard.
3. Turn right and walk straight for 500 meters.
4. Go to 1234 Grand boulevard on your left.
Ref: Directions - in Blogs
If you travel by car<br />
<br />
From The East:<br />
1. Take the autoroute 25.<br />
2. Exit at Grand boulevard.<br />
3. Turn left and go straight for 500 meters.<br />
4. Go to 1234 Grand boulevard on your right.<br />
<br />
From The West:<br />
1. Take the autoroute 25.<br />
2. Exit at Grand boulevard.<br />
3. Turn right and go straight for 500 meters.<br />
4. Go to 1234 Grand boulevard on your left.<br />
<br />
From The North:<br />
1. Take the autoroute 10 to get the 25.<br />
2. Exit at Grand boulevard.<br />
3. Turn left and go straight for 500 meters.<br />
4. Go to 1234 Grand boulevard on your right.<br />
<br />
From The South:<br />
1. Take the autoroute 10 to get the 25.<br />
2. Exit at Grand boulevard.<br />
3. Turn right and go straight for 500 meters.<br />
4. Go to 1234 Grand boulevard on your left.<br />
<br />
<br />
<br />
If you travel by bus<br />
<br />
From The East:<br />
1. Take the bus 128 west, transfer to the 69 north.<br />
2. Exit at Grand boulevard.<br />
3. Turn left and walk straight for 500 meters.<br />
4. Go to 1234 Grand boulevard on your right.<br />
<br />
From The West:<br />
1. Take the bus 128 east, transfer to the 69 south.<br />
2. Exit at Grand boulevard.<br />
3. Turn right and walk straight for 500 meters.<br />
4. Go to 1234 Grand boulevard on your left.<br />
<br />
From The North:<br />
1. Take the bus 10 south, transfer to the 122 east.<br />
2. Exit at Grand boulevard.<br />
3. Turn left and walk straight for 500 meters.<br />
4. Go to 1234 Grand boulevard on your right.<br />
<br />
From The South:<br />
1. Take the bus 10 north, transfer to the 122 west.<br />
2. Exit at Grand boulevard.<br />
3. Turn right and walk straight for 500 meters.<br />
4. Go to 1234 Grand boulevard on your left.<br />
<br />
<br />
<br />
Ref: Directions - in Blogs
Read more
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121
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Millie Millie_Zemlak
(NewsUSA) - When Jess Michaels isn't obsessively checking her steps on FitBit or watching daytime Court TV, she's a best-selling author who writes historical romances with heroines who speak their mind.
Her first foray into publishing began, as many picture the life of an author, with a traditional publishing deal. But after releasing a few books, Michaels decided to turn down an additional deal and try self-publishing.
"I'd begun developing an audience for my books and wanted to try something different. Authors I respected had success and greater control over their work with self-publishing, so I was eager to try it for myself," says Michaels.
She mastered it quickly and decided to go "strictly indie" in 2015, using Amazon's Kindle Direct Publishing (KDP) service to publish in both eBook and print. Since her decision to self-publish, she has been on the USA bestseller list ten times. Her husband quit his job at a large technology company and now works with Michaels to run their publishing company.
"I wanted more control over not just the creative writing, but also the marketing strategy, cover art, and other business aspects of publishing. I grew frustrated being unable to make these decisions going the traditional publishing route," she says. "I'm both a writer and entrepreneur, and I'm enjoying more creative and financial rewards than I ever have."
For Michaels, who says the initial idea of going indie was "taking a leap off a cliff and hoping you can fly before you crash," the resulting benefits have exceeded her expectations.
For those authors wrestling with the idea of self-publishing, consider this:
- Creative control. Self-publishing a book allows authors to build characters and stories exactly the way they want and, ultimately, retain full rights to their original material. A book that has been nursed from inception to novel remains yours.
- Get to market fast. Once a book is ready, self-publishing services, such as KDP, guide authors through setting up their books and getting them in the hands of readers in just a matter of days.
- Make more money. Authors who opt to self-publish can set their own prices and take home a higher percentage of royalties.
While a self-published author serves as his or her own marketing department, indie publishers make marketing simple and effective. Self-publishing companies, such as Amazon, also offer authors additional promotional opportunities to make their work available to more readers.
Many authors find support through writers' groups online, such as Facebook groups, or in-person by attending workshops and writers' conferences. Most cities have local writing groups that meet regularly. These meetings can provide constructive criticism of your work and other resources.
"I fell into self-publishing by accident, and found that connecting with other authors and joining a local writers' organization helped me improve my technique and career tremendously," says self-published science fiction and fantasy author T.S. Paul. "When sales of my novels began to take off, I began working with freelancers and a virtual assistant, also, to grow the community around me."
Regardless of whether a writer is interested in romance, mystery, fantasy, or biographies, self-publishing with services such as KDP can empower them to pursue their dreams, especially if they're willing to study the business side of publishing as well as Jess Michaels did.
Who knows? Maybe the best seller list is closer than you think.
For more information, visit https://kdp.amazon.com/en_US/.
Ref: Books - in Blogs
Her first foray into publishing began, as many picture the life of an author, with a traditional publishing deal. But after releasing a few books, Michaels decided to turn down an additional deal and try self-publishing.
"I'd begun developing an audience for my books and wanted to try something different. Authors I respected had success and greater control over their work with self-publishing, so I was eager to try it for myself," says Michaels.
She mastered it quickly and decided to go "strictly indie" in 2015, using Amazon's Kindle Direct Publishing (KDP) service to publish in both eBook and print. Since her decision to self-publish, she has been on the USA bestseller list ten times. Her husband quit his job at a large technology company and now works with Michaels to run their publishing company.
"I wanted more control over not just the creative writing, but also the marketing strategy, cover art, and other business aspects of publishing. I grew frustrated being unable to make these decisions going the traditional publishing route," she says. "I'm both a writer and entrepreneur, and I'm enjoying more creative and financial rewards than I ever have."
For Michaels, who says the initial idea of going indie was "taking a leap off a cliff and hoping you can fly before you crash," the resulting benefits have exceeded her expectations.
For those authors wrestling with the idea of self-publishing, consider this:
- Creative control. Self-publishing a book allows authors to build characters and stories exactly the way they want and, ultimately, retain full rights to their original material. A book that has been nursed from inception to novel remains yours.
- Get to market fast. Once a book is ready, self-publishing services, such as KDP, guide authors through setting up their books and getting them in the hands of readers in just a matter of days.
- Make more money. Authors who opt to self-publish can set their own prices and take home a higher percentage of royalties.
While a self-published author serves as his or her own marketing department, indie publishers make marketing simple and effective. Self-publishing companies, such as Amazon, also offer authors additional promotional opportunities to make their work available to more readers.
Many authors find support through writers' groups online, such as Facebook groups, or in-person by attending workshops and writers' conferences. Most cities have local writing groups that meet regularly. These meetings can provide constructive criticism of your work and other resources.
"I fell into self-publishing by accident, and found that connecting with other authors and joining a local writers' organization helped me improve my technique and career tremendously," says self-published science fiction and fantasy author T.S. Paul. "When sales of my novels began to take off, I began working with freelancers and a virtual assistant, also, to grow the community around me."
Regardless of whether a writer is interested in romance, mystery, fantasy, or biographies, self-publishing with services such as KDP can empower them to pursue their dreams, especially if they're willing to study the business side of publishing as well as Jess Michaels did.
Who knows? Maybe the best seller list is closer than you think.
For more information, visit https://kdp.amazon.com/en_US/.
Ref: Books - in Blogs
(NewsUSA) - When Jess Michaels isn't obsessively checking her steps on FitBit or watching daytime Court TV, she's a best-selling author who writes historical romances with heroines who speak their mind.<br />
<br />
Her first foray into publishing began, as many picture the life of an author, with a traditional publishing deal. But after releasing a few books, Michaels decided to turn down an additional deal and try self-publishing.<br />
<br />
"I'd begun developing an audience for my books and wanted to try something different. Authors I respected had success and greater control over their work with self-publishing, so I was eager to try it for myself," says Michaels.<br />
<br />
She mastered it quickly and decided to go "strictly indie" in 2015, using Amazon's Kindle Direct Publishing (KDP) service to publish in both eBook and print. Since her decision to self-publish, she has been on the USA bestseller list ten times. Her husband quit his job at a large technology company and now works with Michaels to run their publishing company.<br />
<br />
"I wanted more control over not just the creative writing, but also the marketing strategy, cover art, and other business aspects of publishing. I grew frustrated being unable to make these decisions going the traditional publishing route," she says. "I'm both a writer and entrepreneur, and I'm enjoying more creative and financial rewards than I ever have."<br />
<br />
For Michaels, who says the initial idea of going indie was "taking a leap off a cliff and hoping you can fly before you crash," the resulting benefits have exceeded her expectations.<br />
<br />
For those authors wrestling with the idea of self-publishing, consider this:<br />
<br />
- Creative control. Self-publishing a book allows authors to build characters and stories exactly the way they want and, ultimately, retain full rights to their original material. A book that has been nursed from inception to novel remains yours.<br />
<br />
- Get to market fast. Once a book is ready, self-publishing services, such as KDP, guide authors through setting up their books and getting them in the hands of readers in just a matter of days.<br />
<br />
- Make more money. Authors who opt to self-publish can set their own prices and take home a higher percentage of royalties.<br />
<br />
While a self-published author serves as his or her own marketing department, indie publishers make marketing simple and effective. Self-publishing companies, such as Amazon, also offer authors additional promotional opportunities to make their work available to more readers.<br />
<br />
Many authors find support through writers' groups online, such as Facebook groups, or in-person by attending workshops and writers' conferences. Most cities have local writing groups that meet regularly. These meetings can provide constructive criticism of your work and other resources.<br />
<br />
"I fell into self-publishing by accident, and found that connecting with other authors and joining a local writers' organization helped me improve my technique and career tremendously," says self-published science fiction and fantasy author T.S. Paul. "When sales of my novels began to take off, I began working with freelancers and a virtual assistant, also, to grow the community around me."<br />
<br />
Regardless of whether a writer is interested in romance, mystery, fantasy, or biographies, self-publishing with services such as KDP can empower them to pursue their dreams, especially if they're willing to study the business side of publishing as well as Jess Michaels did.<br />
<br />
Who knows? Maybe the best seller list is closer than you think.<br />
<br />
For more information, visit <a target='_blank' href="https://kdp.amazon.com/en_US/.">https://kdp.amazon.com/en_US/.</a><br />
<br />
Ref: Books - in Blogs
Read more
0
79
0
0
Millie Millie_Zemlak
(NewsUSA) - Sponsored by GAF - It's time to stop thinking of Millennials as totally uninterested in owning anything just because they were early adopters of Uber.
The newly released U.S. home ownership rate rose in 2017 for the first time in 13 years - it now stands at 64.2 percent - driven mainly by a shift towards owning over renting by the under-age 35 crowd who'd been wary of committing for both financial and personal reasons.
"This is happening because young households are buying homes. Full stop," Ralph McLaughlin, chief economist at home listings provider Trulia, told the Wall Street Journal.
They're not the only purchasers, of course. Which means if you're looking to sell your house now or in the not too distant future, you might want to check out this generational roadmap to four upgrades experts say are worth it to help attract potential buyers.
* Cross-generational: a new steel door. The only thing that beat it on Remodeling magazine's annual Cost vs. Value Report for 2017 was loose-fill attic insulation, but this project - with a 90.7% return on investment - speaks directly to the report's main takeaway: "Curb appeal projects, by and large, generated higher returns on investment than work done inside the home."
Plus, as far as Millennials go, while their ideal interiors may differ from older generations - for example, they prefer open floor plans and hardwood floors - Architectural Digest says they're still into "traditional exteriors."
* Millennials: smart-home tech. Yes, there are Boomers and Generation Xers who are super tech savvy, but Millennials especially crave homes that allow them to control their heating, air-conditioning, home security, and lighting systems from their phones.
"They want to use their brains for other things, not for remembering whether they adjusted the heat or closed the garage door," Angie's List stressed.
* Cross-generational: a new roof. It's the ultimate curb appeal enhancer and a perennial Remodeling magazine A-lister, with Credit.com having observed that "buyers pay a premium for one already in place."
So if the first thing prospects notice even before exiting their cars looks like something out of "Twister," you've got a problem.
"It's a huge turn-off," said Patsy O'Neill, a sales associate with Sotheby's in Montclair, New Jersey, "and makes buyers of all ages predisposed to find even more things they don't like."
If your roof does need replacing, those particularly interested in targeting Millennials might want to consider the very affordable Sienna line of diamond-shaped shingles from GAF (gaf.com), North America's largest roofing manufacturer, since they capture that generation's sensibilities.
"They pick up on key Millennial style trends of natural, clean materials, clean lines, and the integration of artistic elements," said Leslie Franklin, executive director of residential marketing at GAF.
* Millennials: all-new appliances. Realtors will tell you that major kitchen (and bath) upgrades aren't generally worth their high costs, in terms of return on investment, since prospective buyers' tastes can clash with yours.
However, Millennials do love, love, love all-new stainless steel appliances. So much so that what RealtyTimes.com called "an astonishing majority of 75 percent" of respondents in a recent survey chose to spend their hypothetical home buying budgets on them.
Ref: Gardens - in Blogs
The newly released U.S. home ownership rate rose in 2017 for the first time in 13 years - it now stands at 64.2 percent - driven mainly by a shift towards owning over renting by the under-age 35 crowd who'd been wary of committing for both financial and personal reasons.
"This is happening because young households are buying homes. Full stop," Ralph McLaughlin, chief economist at home listings provider Trulia, told the Wall Street Journal.
They're not the only purchasers, of course. Which means if you're looking to sell your house now or in the not too distant future, you might want to check out this generational roadmap to four upgrades experts say are worth it to help attract potential buyers.
* Cross-generational: a new steel door. The only thing that beat it on Remodeling magazine's annual Cost vs. Value Report for 2017 was loose-fill attic insulation, but this project - with a 90.7% return on investment - speaks directly to the report's main takeaway: "Curb appeal projects, by and large, generated higher returns on investment than work done inside the home."
Plus, as far as Millennials go, while their ideal interiors may differ from older generations - for example, they prefer open floor plans and hardwood floors - Architectural Digest says they're still into "traditional exteriors."
* Millennials: smart-home tech. Yes, there are Boomers and Generation Xers who are super tech savvy, but Millennials especially crave homes that allow them to control their heating, air-conditioning, home security, and lighting systems from their phones.
"They want to use their brains for other things, not for remembering whether they adjusted the heat or closed the garage door," Angie's List stressed.
* Cross-generational: a new roof. It's the ultimate curb appeal enhancer and a perennial Remodeling magazine A-lister, with Credit.com having observed that "buyers pay a premium for one already in place."
So if the first thing prospects notice even before exiting their cars looks like something out of "Twister," you've got a problem.
"It's a huge turn-off," said Patsy O'Neill, a sales associate with Sotheby's in Montclair, New Jersey, "and makes buyers of all ages predisposed to find even more things they don't like."
If your roof does need replacing, those particularly interested in targeting Millennials might want to consider the very affordable Sienna line of diamond-shaped shingles from GAF (gaf.com), North America's largest roofing manufacturer, since they capture that generation's sensibilities.
"They pick up on key Millennial style trends of natural, clean materials, clean lines, and the integration of artistic elements," said Leslie Franklin, executive director of residential marketing at GAF.
* Millennials: all-new appliances. Realtors will tell you that major kitchen (and bath) upgrades aren't generally worth their high costs, in terms of return on investment, since prospective buyers' tastes can clash with yours.
However, Millennials do love, love, love all-new stainless steel appliances. So much so that what RealtyTimes.com called "an astonishing majority of 75 percent" of respondents in a recent survey chose to spend their hypothetical home buying budgets on them.
Ref: Gardens - in Blogs
(NewsUSA) - Sponsored by GAF - It's time to stop thinking of Millennials as totally uninterested in owning anything just because they were early adopters of Uber.<br />
<br />
The newly released U.S. home ownership rate rose in 2017 for the first time in 13 years - it now stands at 64.2 percent - driven mainly by a shift towards owning over renting by the under-age 35 crowd who'd been wary of committing for both financial and personal reasons.<br />
<br />
"This is happening because young households are buying homes. Full stop," Ralph McLaughlin, chief economist at home listings provider Trulia, told the Wall Street Journal.<br />
<br />
They're not the only purchasers, of course. Which means if you're looking to sell your house now or in the not too distant future, you might want to check out this generational roadmap to four upgrades experts say are worth it to help attract potential buyers.<br />
<br />
* Cross-generational: a new steel door. The only thing that beat it on Remodeling magazine's annual Cost vs. Value Report for 2017 was loose-fill attic insulation, but this project - with a 90.7% return on investment - speaks directly to the report's main takeaway: "Curb appeal projects, by and large, generated higher returns on investment than work done inside the home."<br />
<br />
Plus, as far as Millennials go, while their ideal interiors may differ from older generations - for example, they prefer open floor plans and hardwood floors - Architectural Digest says they're still into "traditional exteriors."<br />
<br />
* Millennials: smart-home tech. Yes, there are Boomers and Generation Xers who are super tech savvy, but Millennials especially crave homes that allow them to control their heating, air-conditioning, home security, and lighting systems from their phones.<br />
<br />
"They want to use their brains for other things, not for remembering whether they adjusted the heat or closed the garage door," Angie's List stressed.<br />
<br />
* Cross-generational: a new roof. It's the ultimate curb appeal enhancer and a perennial Remodeling magazine A-lister, with Credit.com having observed that "buyers pay a premium for one already in place."<br />
<br />
So if the first thing prospects notice even before exiting their cars looks like something out of "Twister," you've got a problem.<br />
<br />
"It's a huge turn-off," said Patsy O'Neill, a sales associate with Sotheby's in Montclair, New Jersey, "and makes buyers of all ages predisposed to find even more things they don't like."<br />
<br />
If your roof does need replacing, those particularly interested in targeting Millennials might want to consider the very affordable Sienna line of diamond-shaped shingles from GAF (gaf.com), North America's largest roofing manufacturer, since they capture that generation's sensibilities.<br />
<br />
"They pick up on key Millennial style trends of natural, clean materials, clean lines, and the integration of artistic elements," said Leslie Franklin, executive director of residential marketing at GAF.<br />
<br />
* Millennials: all-new appliances. Realtors will tell you that major kitchen (and bath) upgrades aren't generally worth their high costs, in terms of return on investment, since prospective buyers' tastes can clash with yours.<br />
<br />
However, Millennials do love, love, love all-new stainless steel appliances. So much so that what RealtyTimes.com called "an astonishing majority of 75 percent" of respondents in a recent survey chose to spend their hypothetical home buying budgets on them.<br />
<br />
Ref: Gardens - in Blogs
Read more
0
64
0
0
Millie Millie_Zemlak
(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
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.<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 />
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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 />
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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 />
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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 />
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Other benefits of co-investing: Keeping gains from remodeling work and keeping the equity built from prompt mortgage payments.<br />
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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 />
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To find out how Unison can help you get the most out of homeownership, visit unison.com.<br />
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*This is a possible percentage for illustrative purposes. The actual percentage varies based on the specific HomeOwner transaction.<br />
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Ref: Housework - in Blogs
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