0
77
0
Vanessa Leannon Vanessa_Leannon
Category: Photography - in Blogs
<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: Photography - in Blogs</span>
Read more
1
74
0
0
Millie Zemlak Millie_Zemlak
(NewsUSA) - Later this month, the nation's largest-ever celebration of educational opportunity will kick off. During National School Choice Week (Jan 26-Feb 1), 50,000 events and activities around the nation will raise awareness about K-12 education choices.
The real impact of school choice is what gives the Week such energy. A learning environment can change a life, sometimes unexpectedly. Remember the Dr. Seuss story featuring a character who, until he actually tries it, insists a dish of green eggs and ham is not for him? As President of National School Choice Week, I have the joy each month of hearing students, parents, and educators around the country share their own "green eggs and ham" moments.
A teacher who was ready to leave the education field - until she overcame her skepticism about teaching in a virtual school. A mom who never dreamed she'd homeschool - until her son's medical needs led her to discover its benefits. A student who felt out of place in his previous school, but is now happy and thriving in a different traditional public school.
That's the power of school choice. All children learn differently and families' needs vary. In the midst of healthy differences and human change, choice empowers families to access the learning environments that work for them now.
School choice recognizes that parents are best positioned to know their child's passion for botany, reading struggles, or penchant for drawing quirky cartoons. And those same parents are best qualified to choose their children's learning environments.
National School Choice Week celebrates traditional public, public charter, magnet, private, online, and home education. We celebrate and support families, too, whichever type of school they choose. That's because when families and schools bring their gifts together, students succeed.
All children deserve to close their school books at the end of each week inspired and equipped to give back. So, if you love your school, celebrate it during School Choice Week! If you're searching for a school, be willing to try something new to find the right fit. You might have a green-eggs- and-ham moment, when your child's frustration with learning turns into an excited "I do love it!"
For more information, visit schoolchoiceweek.com.
Ref: Cultures - in Blogs
The real impact of school choice is what gives the Week such energy. A learning environment can change a life, sometimes unexpectedly. Remember the Dr. Seuss story featuring a character who, until he actually tries it, insists a dish of green eggs and ham is not for him? As President of National School Choice Week, I have the joy each month of hearing students, parents, and educators around the country share their own "green eggs and ham" moments.
A teacher who was ready to leave the education field - until she overcame her skepticism about teaching in a virtual school. A mom who never dreamed she'd homeschool - until her son's medical needs led her to discover its benefits. A student who felt out of place in his previous school, but is now happy and thriving in a different traditional public school.
That's the power of school choice. All children learn differently and families' needs vary. In the midst of healthy differences and human change, choice empowers families to access the learning environments that work for them now.
School choice recognizes that parents are best positioned to know their child's passion for botany, reading struggles, or penchant for drawing quirky cartoons. And those same parents are best qualified to choose their children's learning environments.
National School Choice Week celebrates traditional public, public charter, magnet, private, online, and home education. We celebrate and support families, too, whichever type of school they choose. That's because when families and schools bring their gifts together, students succeed.
All children deserve to close their school books at the end of each week inspired and equipped to give back. So, if you love your school, celebrate it during School Choice Week! If you're searching for a school, be willing to try something new to find the right fit. You might have a green-eggs- and-ham moment, when your child's frustration with learning turns into an excited "I do love it!"
For more information, visit schoolchoiceweek.com.
Ref: Cultures - in Blogs
(NewsUSA) - Later this month, the nation's largest-ever celebration of educational opportunity will kick off. During National School Choice Week (Jan 26-Feb 1), 50,000 events and activities around the nation will raise awareness about K-12 education choices.<br />
<br />
The real impact of school choice is what gives the Week such energy. A learning environment can change a life, sometimes unexpectedly. Remember the Dr. Seuss story featuring a character who, until he actually tries it, insists a dish of green eggs and ham is not for him? As President of National School Choice Week, I have the joy each month of hearing students, parents, and educators around the country share their own "green eggs and ham" moments.<br />
<br />
A teacher who was ready to leave the education field - until she overcame her skepticism about teaching in a virtual school. A mom who never dreamed she'd homeschool - until her son's medical needs led her to discover its benefits. A student who felt out of place in his previous school, but is now happy and thriving in a different traditional public school.<br />
<br />
That's the power of school choice. All children learn differently and families' needs vary. In the midst of healthy differences and human change, choice empowers families to access the learning environments that work for them now.<br />
<br />
School choice recognizes that parents are best positioned to know their child's passion for botany, reading struggles, or penchant for drawing quirky cartoons. And those same parents are best qualified to choose their children's learning environments.<br />
<br />
National School Choice Week celebrates traditional public, public charter, magnet, private, online, and home education. We celebrate and support families, too, whichever type of school they choose. That's because when families and schools bring their gifts together, students succeed.<br />
<br />
All children deserve to close their school books at the end of each week inspired and equipped to give back. So, if you love your school, celebrate it during School Choice Week! If you're searching for a school, be willing to try something new to find the right fit. You might have a green-eggs- and-ham moment, when your child's frustration with learning turns into an excited "I do love it!"<br />
<br />
For more information, visit schoolchoiceweek.com.<br />
<br />
Ref: Cultures - in Blogs
Read more
0
101
0
0
Rebecca Ebert Rebecca_Ebert
Category: Photography - in Blogs
<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: Photography - in Blogs</span>
Read more
1
95
0
0
Millie Zemlak Millie_Zemlak
(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.
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.
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."
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?
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.
"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."
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.
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.
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.
Ref: Datacenters - in Blogs
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.
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."
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?
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.
"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."
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.
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.
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.
Ref: Datacenters - 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
Read more
0
40
0
0
Millie Zemlak Millie_Zemlak
(NewsUSA) - Sports-related injuries are common and, when an athlete is hurt, care follows a proven, long-standing protocol of rehabilitation. But what happens when impact occurs to the head, face or jaw, and -- at the time -- no immediate injury is diagnosed?
Weeks, months or even years later, many of these players begin to experience headaches, TMJ/D, migraines, vertigo or tinnitus -- estimated to impact 50 million people in the U.S. to some degree.
"Undiagnosed head trauma from sports injuries -- or other types of impact, including minor car accidents -- is one of the most common causes we see of chronic headaches, migraine, tinnitus and vertigo," says Dr. Ben Burris, an orthodontist with 28 clinics in Arkansas.
Now, these long-term and sometimes debilitating conditions can often be resolved with a painless, non-invasive treatment without drugs or needles -- and all at the dentist's office.
"For over three years, we have been able to help patients with conditions caused by sports injuries," says Dr. Tad Morgan of Tyler, Texas. "If you damaged your knee or shoulder, you would go to the sports medicine clinic for rehab. With injuries to the head, face or jaw, rehab was unavailable until the advent of TruDenta care."
Once diagnosed using a painless, digitally enhanced process, patients receive treatment through a proprietary combination of FDA-cleared, low-level laser therapy, therapeutic ultrasound and other modalities. Each of these was originally developed by MDs in sports medicine to speed the healing of joints and force-related traumas. The TruDenta system can quickly resolve issues in the head, neck, face and jaw, which people may have suffered for years.
"Many of our patients with chronic headaches and migraines are females who have played sports -- soccer, gymnastics or even cycling," says Dr. Richard Hughes of Sandy, Utah. "The common denominator is some form of undiagnosed head trauma which was not properly rehabilitated and resulted in long-term painful symptoms."
TruDenta doctors report rapidly resolving these issues for the majority of patients with long-lasting results. Care is often covered by medical insurance, and TruDenta doctors provide a free consultation.
"We are excited to help these patients in 12 weeks or less without drugs or needles," says Dr. Jeffrey Mastroianni of Glen Carbon, Illinois. "It is truly life-changing for many."
To download the free e-book "Start Living Pain Free," visit www.TruDenta.com/NUSA or call 844-202-2651.
Ref: Fitness - in Blogs
Weeks, months or even years later, many of these players begin to experience headaches, TMJ/D, migraines, vertigo or tinnitus -- estimated to impact 50 million people in the U.S. to some degree.
"Undiagnosed head trauma from sports injuries -- or other types of impact, including minor car accidents -- is one of the most common causes we see of chronic headaches, migraine, tinnitus and vertigo," says Dr. Ben Burris, an orthodontist with 28 clinics in Arkansas.
Now, these long-term and sometimes debilitating conditions can often be resolved with a painless, non-invasive treatment without drugs or needles -- and all at the dentist's office.
"For over three years, we have been able to help patients with conditions caused by sports injuries," says Dr. Tad Morgan of Tyler, Texas. "If you damaged your knee or shoulder, you would go to the sports medicine clinic for rehab. With injuries to the head, face or jaw, rehab was unavailable until the advent of TruDenta care."
Once diagnosed using a painless, digitally enhanced process, patients receive treatment through a proprietary combination of FDA-cleared, low-level laser therapy, therapeutic ultrasound and other modalities. Each of these was originally developed by MDs in sports medicine to speed the healing of joints and force-related traumas. The TruDenta system can quickly resolve issues in the head, neck, face and jaw, which people may have suffered for years.
"Many of our patients with chronic headaches and migraines are females who have played sports -- soccer, gymnastics or even cycling," says Dr. Richard Hughes of Sandy, Utah. "The common denominator is some form of undiagnosed head trauma which was not properly rehabilitated and resulted in long-term painful symptoms."
TruDenta doctors report rapidly resolving these issues for the majority of patients with long-lasting results. Care is often covered by medical insurance, and TruDenta doctors provide a free consultation.
"We are excited to help these patients in 12 weeks or less without drugs or needles," says Dr. Jeffrey Mastroianni of Glen Carbon, Illinois. "It is truly life-changing for many."
To download the free e-book "Start Living Pain Free," visit www.TruDenta.com/NUSA or call 844-202-2651.
Ref: Fitness - in Blogs
(NewsUSA) - Sports-related injuries are common and, when an athlete is hurt, care follows a proven, long-standing protocol of rehabilitation. But what happens when impact occurs to the head, face or jaw, and -- at the time -- no immediate injury is diagnosed?<br />
<br />
Weeks, months or even years later, many of these players begin to experience headaches, TMJ/D, migraines, vertigo or tinnitus -- estimated to impact 50 million people in the U.S. to some degree.<br />
<br />
"Undiagnosed head trauma from sports injuries -- or other types of impact, including minor car accidents -- is one of the most common causes we see of chronic headaches, migraine, tinnitus and vertigo," says Dr. Ben Burris, an orthodontist with 28 clinics in Arkansas.<br />
<br />
Now, these long-term and sometimes debilitating conditions can often be resolved with a painless, non-invasive treatment without drugs or needles -- and all at the dentist's office.<br />
<br />
"For over three years, we have been able to help patients with conditions caused by sports injuries," says Dr. Tad Morgan of Tyler, Texas. "If you damaged your knee or shoulder, you would go to the sports medicine clinic for rehab. With injuries to the head, face or jaw, rehab was unavailable until the advent of TruDenta care."<br />
<br />
Once diagnosed using a painless, digitally enhanced process, patients receive treatment through a proprietary combination of FDA-cleared, low-level laser therapy, therapeutic ultrasound and other modalities. Each of these was originally developed by MDs in sports medicine to speed the healing of joints and force-related traumas. The TruDenta system can quickly resolve issues in the head, neck, face and jaw, which people may have suffered for years.<br />
<br />
"Many of our patients with chronic headaches and migraines are females who have played sports -- soccer, gymnastics or even cycling," says Dr. Richard Hughes of Sandy, Utah. "The common denominator is some form of undiagnosed head trauma which was not properly rehabilitated and resulted in long-term painful symptoms."<br />
<br />
TruDenta doctors report rapidly resolving these issues for the majority of patients with long-lasting results. Care is often covered by medical insurance, and TruDenta doctors provide a free consultation.<br />
<br />
"We are excited to help these patients in 12 weeks or less without drugs or needles," says Dr. Jeffrey Mastroianni of Glen Carbon, Illinois. "It is truly life-changing for many."<br />
<br />
To download the free e-book "Start Living Pain Free," visit www.TruDenta.com/NUSA or call 844-202-2651. <br />
<br />
Ref: Fitness - in Blogs
Read more
0
60
0
0
Samuel Chi-divine ic_sammie
Bent in Heaven's Twist
I wear a smile, a fragile disguise
A mask that hides, the tears I've cried
The heavens twist, in a cruel design
A fate that's sealed, yet I'm left to redefine
In heavenly design, I'm lost in pain
A twist of fate, that drives me insane
The stars align, yet I'm still unsure
A celestial guide, that's hard to endure
I'm bent and broken, in a world so grand
A fragile soul, in a body so unplanned
The heavens whisper, "You're strong and free"
But I'm trapped in doubts, that haunt me relentlessly
I search for answers, in the darkest night
A glimmer of hope, that shines with all its might
But the twist of fate, it plays a cruel game
Leaving me shattered, with a heart that's tamed
In twisted threads, I'm woven with flaws
A fragile fabric, with scars that never fade
The heavens bend, in a mysterious spin
A divine irony, that I'm forced to give in
I'm a paradox, of strength and weakness combined
A human heart, that's constantly redefined
The twist of heaven's hand, a mysterious fate
A life that's unpredictable, with moments that create
I yearn for solace, in the chaos and strife
A peaceful haven, where I can be alive
But the heavens twist, in a celestial rhyme
A melody of pain, that echoes through my prime
In this twisted world, I'm searching for a light
A guiding star, that shines through the darkest night
A beacon of hope, that leads me to the shore
Where I can find peace, and be forever more.
Category: Writing - in Blogs
I wear a smile, a fragile disguise
A mask that hides, the tears I've cried
The heavens twist, in a cruel design
A fate that's sealed, yet I'm left to redefine
In heavenly design, I'm lost in pain
A twist of fate, that drives me insane
The stars align, yet I'm still unsure
A celestial guide, that's hard to endure
I'm bent and broken, in a world so grand
A fragile soul, in a body so unplanned
The heavens whisper, "You're strong and free"
But I'm trapped in doubts, that haunt me relentlessly
I search for answers, in the darkest night
A glimmer of hope, that shines with all its might
But the twist of fate, it plays a cruel game
Leaving me shattered, with a heart that's tamed
In twisted threads, I'm woven with flaws
A fragile fabric, with scars that never fade
The heavens bend, in a mysterious spin
A divine irony, that I'm forced to give in
I'm a paradox, of strength and weakness combined
A human heart, that's constantly redefined
The twist of heaven's hand, a mysterious fate
A life that's unpredictable, with moments that create
I yearn for solace, in the chaos and strife
A peaceful haven, where I can be alive
But the heavens twist, in a celestial rhyme
A melody of pain, that echoes through my prime
In this twisted world, I'm searching for a light
A guiding star, that shines through the darkest night
A beacon of hope, that leads me to the shore
Where I can find peace, and be forever more.
Category: Writing - in Blogs
Bent in Heaven's Twist<br />
<br />
I wear a smile, a fragile disguise<br />
A mask that hides, the tears I've cried<br />
The heavens twist, in a cruel design<br />
A fate that's sealed, yet I'm left to redefine<br />
<br />
In heavenly design, I'm lost in pain<br />
A twist of fate, that drives me insane<br />
The stars align, yet I'm still unsure<br />
A celestial guide, that's hard to endure<br />
<br />
I'm bent and broken, in a world so grand<br />
A fragile soul, in a body so unplanned<br />
The heavens whisper, "You're strong and free"<br />
But I'm trapped in doubts, that haunt me relentlessly<br />
<br />
I search for answers, in the darkest night<br />
A glimmer of hope, that shines with all its might<br />
But the twist of fate, it plays a cruel game<br />
Leaving me shattered, with a heart that's tamed<br />
<br />
In twisted threads, I'm woven with flaws<br />
A fragile fabric, with scars that never fade<br />
The heavens bend, in a mysterious spin<br />
A divine irony, that I'm forced to give in<br />
<br />
I'm a paradox, of strength and weakness combined<br />
A human heart, that's constantly redefined<br />
The twist of heaven's hand, a mysterious fate<br />
A life that's unpredictable, with moments that create<br />
<br />
I yearn for solace, in the chaos and strife<br />
A peaceful haven, where I can be alive<br />
But the heavens twist, in a celestial rhyme<br />
A melody of pain, that echoes through my prime<br />
<br />
In this twisted world, I'm searching for a light<br />
A guiding star, that shines through the darkest night<br />
A beacon of hope, that leads me to the shore<br />
Where I can find peace, and be forever more.<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: Writing - in Blogs</span>
Read more
1
17
0
0
Millie Zemlak 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 />
<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
Read more
0
57
0
0
Millie Zemlak Millie_Zemlak
(NewsUSA) - Today most homeowners want to do right by the environment while also caring for the health and wellness of their own families. But they don't always know what measures they can take with the design, construction, and furnishing of their houses to achieve eco-friendly, health-enhancing results.
"Many responsible consumers are uncertain what a 'sustainable' product or material is," notes Linda Jovanovich of the American Hardwood Information Center, www.hardwoodinfo.com.
"It simply means the particular resource is self-replenishing - something we can use freely now without fear that its supply will run out in the future. Since American hardwood forests renew themselves almost twice as fast as they are harvested, the U.S. supply of hardwoods for flooring, furniture, cabinetry, and millwork is sustainable now and for generations to come."
As well as being plentiful and sustainable, American hardwood is carbon neutral: Growing trees absorb carbon dioxide from the atmosphere and break it down into oxygen, which is returned to the air, and carbon, which is used to create roots, trunk, branches, and leaves. In short, the use of natural American hardwoods throughout a house helps with the long-term removal of carbon from the environment.
Hardwood can also benefit a household's general well-being.
When artist Hadley Williams renovated her family home in California's Bay Area, she asked the makeover team - designer Sherry Williamson, architect Andrew Mann, and builder Michael McCutcheon - for a clean-lined, ultra-eco-friendly residence. They wrapped all the floors, ceilings, walls, and casework in the gutted interiors with plain-sawn American white oak, achieving a beautiful balance among aesthetics, sustainability, and healthfulness.
Since the latter was a priority, each and every building product used was screened for a comprehensive list of more than 900 chemicals of concern. Using solid timber helped avoid the unhealthy volatile organic compounds (VOCs) found in laminate glues. Thanks to those efforts, the house has been certified LEED Platinum - the U.S. Green Building Council's highest ranking.
Architect Stephanie Horowitz of Boston-based ZeroEnergy Design is another expert at creating contemporary, environmentally sensitive, family-friendly homes.
"We regularly specify domestic, sustainably harvested hardwood floors," she says.
"When paired with a non-VOC finish, a hardwood floor helps maintain healthy indoor-air quality while allowing us to support local business and overall environmental health."
Such was the case with a house she recently designed for a client who wanted an exceptionally healthy and comfortable living environment in a traditional neighborhood. By installing quarter-sawn white-oak floors, and selecting other durable materials and finishes with low or no VOCs and no added urea formaldehyde, Horowitz was able to achieve LEED-platinum certification for the house and, more importantly, ensure that its inhabitants can breathe easy.
Visit www.hardwoodinfo.com for more about sustainability and healthfulness in relation to home applications and products using American hardwoods.
Ref: Construction - in Blogs
"Many responsible consumers are uncertain what a 'sustainable' product or material is," notes Linda Jovanovich of the American Hardwood Information Center, www.hardwoodinfo.com.
"It simply means the particular resource is self-replenishing - something we can use freely now without fear that its supply will run out in the future. Since American hardwood forests renew themselves almost twice as fast as they are harvested, the U.S. supply of hardwoods for flooring, furniture, cabinetry, and millwork is sustainable now and for generations to come."
As well as being plentiful and sustainable, American hardwood is carbon neutral: Growing trees absorb carbon dioxide from the atmosphere and break it down into oxygen, which is returned to the air, and carbon, which is used to create roots, trunk, branches, and leaves. In short, the use of natural American hardwoods throughout a house helps with the long-term removal of carbon from the environment.
Hardwood can also benefit a household's general well-being.
When artist Hadley Williams renovated her family home in California's Bay Area, she asked the makeover team - designer Sherry Williamson, architect Andrew Mann, and builder Michael McCutcheon - for a clean-lined, ultra-eco-friendly residence. They wrapped all the floors, ceilings, walls, and casework in the gutted interiors with plain-sawn American white oak, achieving a beautiful balance among aesthetics, sustainability, and healthfulness.
Since the latter was a priority, each and every building product used was screened for a comprehensive list of more than 900 chemicals of concern. Using solid timber helped avoid the unhealthy volatile organic compounds (VOCs) found in laminate glues. Thanks to those efforts, the house has been certified LEED Platinum - the U.S. Green Building Council's highest ranking.
Architect Stephanie Horowitz of Boston-based ZeroEnergy Design is another expert at creating contemporary, environmentally sensitive, family-friendly homes.
"We regularly specify domestic, sustainably harvested hardwood floors," she says.
"When paired with a non-VOC finish, a hardwood floor helps maintain healthy indoor-air quality while allowing us to support local business and overall environmental health."
Such was the case with a house she recently designed for a client who wanted an exceptionally healthy and comfortable living environment in a traditional neighborhood. By installing quarter-sawn white-oak floors, and selecting other durable materials and finishes with low or no VOCs and no added urea formaldehyde, Horowitz was able to achieve LEED-platinum certification for the house and, more importantly, ensure that its inhabitants can breathe easy.
Visit www.hardwoodinfo.com for more about sustainability and healthfulness in relation to home applications and products using American hardwoods.
Ref: Construction - in Blogs
(NewsUSA) - Today most homeowners want to do right by the environment while also caring for the health and wellness of their own families. But they don't always know what measures they can take with the design, construction, and furnishing of their houses to achieve eco-friendly, health-enhancing results.<br />
<br />
"Many responsible consumers are uncertain what a 'sustainable' product or material is," notes Linda Jovanovich of the American Hardwood Information Center, www.hardwoodinfo.com.<br />
<br />
"It simply means the particular resource is self-replenishing - something we can use freely now without fear that its supply will run out in the future. Since American hardwood forests renew themselves almost twice as fast as they are harvested, the U.S. supply of hardwoods for flooring, furniture, cabinetry, and millwork is sustainable now and for generations to come."<br />
<br />
As well as being plentiful and sustainable, American hardwood is carbon neutral: Growing trees absorb carbon dioxide from the atmosphere and break it down into oxygen, which is returned to the air, and carbon, which is used to create roots, trunk, branches, and leaves. In short, the use of natural American hardwoods throughout a house helps with the long-term removal of carbon from the environment.<br />
<br />
Hardwood can also benefit a household's general well-being.<br />
<br />
When artist Hadley Williams renovated her family home in California's Bay Area, she asked the makeover team - designer Sherry Williamson, architect Andrew Mann, and builder Michael McCutcheon - for a clean-lined, ultra-eco-friendly residence. They wrapped all the floors, ceilings, walls, and casework in the gutted interiors with plain-sawn American white oak, achieving a beautiful balance among aesthetics, sustainability, and healthfulness.<br />
<br />
Since the latter was a priority, each and every building product used was screened for a comprehensive list of more than 900 chemicals of concern. Using solid timber helped avoid the unhealthy volatile organic compounds (VOCs) found in laminate glues. Thanks to those efforts, the house has been certified LEED Platinum - the U.S. Green Building Council's highest ranking.<br />
<br />
Architect Stephanie Horowitz of Boston-based ZeroEnergy Design is another expert at creating contemporary, environmentally sensitive, family-friendly homes.<br />
<br />
"We regularly specify domestic, sustainably harvested hardwood floors," she says.<br />
<br />
"When paired with a non-VOC finish, a hardwood floor helps maintain healthy indoor-air quality while allowing us to support local business and overall environmental health."<br />
<br />
Such was the case with a house she recently designed for a client who wanted an exceptionally healthy and comfortable living environment in a traditional neighborhood. By installing quarter-sawn white-oak floors, and selecting other durable materials and finishes with low or no VOCs and no added urea formaldehyde, Horowitz was able to achieve LEED-platinum certification for the house and, more importantly, ensure that its inhabitants can breathe easy.<br />
<br />
Visit www.hardwoodinfo.com for more about sustainability and healthfulness in relation to home applications and products using American hardwoods.<br />
<br />
Ref: Construction - in Blogs
Read more
0
29
0
0