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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

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(NewsUSA) - They may not make those "Agony of Defeat" sports reels, but amateur athletes get injured all the time. Maybe it's from an awkward golf swing. Or maybe it's from not warming up or stretching before an event.<br /> <br /> Whatever the cause, though, there's one scary thing they have in common with the pros.<br /> <br /> "The reality is that all athletes are one fall, twist, or tweak away from landing their own opioid prescription," Outside magazine warned.<br /> <br /> The warning couldn't be better timed. It's not just that the country is in the midst of an opioid crisis that's claimed the lives of thousands of prescription painkiller abusers and left countless more addicted to the likes of OxyContin. It's also that -- as the magazine also noted -- physicians seem to be starting to heed last year's urging by the Centers for Disease Control and Prevention to dramatically curtail prescribing the drugs.<br /> <br /> According to a survey conducted for the Boston Globe by the SERMO physicians social network, more than half of doctors across America are doing exactly that, and nearly one in 10 have completely stopped prescribing them.<br /> <br /> So what's an amateur athlete suffering from pain supposed to do? One especially popular alternative is drug-free chiropractic care.<br /> <br /> Whereas opioids (and Ibuprofen forms of over-the-counter drugs) only "mask" the pain, doctors of chiropractic approach the problem highly educated and trained in the structure and function of the human body.<br /> <br /> And they use hands-on techniques to help enhance flexibility, muscle strength, and range of motion -; the very things all athletes need addressing. And yes, as the Foundation for Chiropractic Progress' Dr. Sherry McAllister says, chiropractic is covered by most insurance and health plans.<br /> <br /> To locate a nearby doctor of chiropractic,visit f4cp.com/findadoctor.<br /> <br /> Ref: Cool - in Blogs

(NewsUSA) - How much will I need for my kid's college education? And how the heck will I pay for it?<br /> <br /> With the cost of a four-year degree rising nearly eight times faster than wages since the 1980s, those two questions are enough to give today's parents a serious case of night sweats. You can argue about the reasons for the disconnect -Administrative costs? Fancy amenities? - but you know there's a problem when a writer at Education Week is incensed.<br /> <br /> "Madness," she decried.<br /> <br /> Which is all the more reason to mark May 29 down on your calendar.<br /> <br /> Otherwise known as National 529 College Savings Plan Day -Get it? 5/29? - it's the perfect time to consider setting up one those tax-advantaged 529 plans, as they're called, to help sock money away to cover tuition, books and other education-related expenses at most accredited two - and four-year colleges, universities and vocational-technical schools.<br /> <br /> "It's a way of keeping your son or daughter from being saddled with too much debt when it's time to jump start their careers," explained Melissa Ridolfi, vice president of retirement and college products at Fidelity Investments. "Plus, any investment earnings compound on a tax-deferred basis, and qualified withdrawals are entirely free from federal and state income taxes."<br /> <br /> And now to the big question: How much?<br /> <br /> Two factors are mainly at play:<br /> <br /> * Public vs. private schools. The cost difference can be about as mind-boggling as "Avengers: Endgame's" record $357.1 million opening weekend domestic haul: an average of $21,370 a year at the former, according to the College Board's latest figures, as opposed to $48,510 at the latter.<br /> <br /> * The percentage of the bill you plan to foot. If you were counting on scholarships and other grants to pick up all or most of the tab, you should probably rethink that unless your kid is either a bona fide child prodigy or football star. Sallie Mae's "How America Pays for College" 2018 report found that both categories combined paid for just 28 percent of college costs.<br /> <br /> One guess where 47 percent of the costs came from. That's right, "family income and savings," with another 24 percent covered by borrowing.<br /> <br /> In other words, as Ridolfi said, "any way you look at it, the family is on the hook to pay the lion's share of college expenses." Which probably helps explain why a recent Fidelity study found that parents are increasingly starting to save before their child even reaches the age of two.<br /> <br /> To see where you stand, try using what Fidelity calls "the college savings 2K rule of thumb." Simply multiply your child's current age by $2,000 to figure whether your savings to date are generally on track to handle approximately 50 percent of the College Board's $21,370-a-year average cost of attending a four-year public college.<br /> <br /> Or, especially if you want a more customized estimate - one that lets you play around with percentages and switch back and forth between public and private schools - the firm's free online college savings calculator takes the angst out of doing the math yourself.<br /> <br /> Fidelity provides 12 savings ideas to help reach your own goal, and offers a choice of two different investment strategies in the 529 savings plans it manages - including an age-based portfolio of funds that automatically becomes more conservative as the beneficiary nears college age.<br /> <br /> Hopefully, armed with all that info, you'll be sleeping better at night.<br /> <br /> Ref: Family - 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

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.

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(NewsUSA) - As warm weather approaches, so does wedding season, and family-focused entertainment network UP TV heads down the aisle with a pair of new, unscripted series set to debut this summer.<br /> <br /> The series, "Our Wedding Story," takes viewers inside the relationships between the brides and grooms. With exceptional and cinematic storytelling, viewers will get to live each couple's love story - from the moment they met to the walk down the aisle.<br /> <br /> In "Crazy Beautiful Weddings," viewers go behind the scenes with busy wedding planner Lynzie Kent. Wedding planning is an art and a science, and Ms. Kent brings her style and people skills as she navigates diverse tastes, the couples' visions and various venues, to create one-of-a-kind celebrations for her clients that will make the big day something to remember.<br /> <br /> "On UP, our viewers have seen the families in our beloved series exploring new relationships, planning weddings and having kids," Amy Winter, executive vice present and general manager of UP TV, says in a statement announcing the shows.<br /> <br /> "By greenlighting new series that focus on those specific life moments, we invite our audience to experience all of the joy and excitement that many different couples are going through as they share their personal journeys of life's biggest moments," she says.<br /> <br /> The pair of wedding programs complement new episodes of two existing shows that highlight another one of life's biggest moments - the journey to parenthood.<br /> <br /> This spring, UP premieres new episodes of its groundbreaking series, "Expecting," which follows expectant parents as they prepare for a new addition to the family. With no producers or camera crews, it is the first show that asks couples to turn the lens on themselves, to give the audience a peek into one of life's most exciting and personal journeys - welcoming a child.<br /> <br /> Also premiering in April is "One Born Every Minute." The series takes viewers inside a hospital maternity unit to experience the joy, excitement and drama as babies are delivered.<br /> <br /> UP is available on DIRECTV, DISH, Verizon Fios, AT&T U-verse, Xfinity and local cable. For more information about the family-friendly programming and where you can find the channel, go to UPtv.com.<br /> <br /> Ref: Art - in Blogs