(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) - Joanne C. was 74 when she had a stroke two years ago that left her paralyzed on the entire right side of her body. She refused to accept that she'd end up in a wheelchair and began rehabilitation, determined to get her life and body back to where it was before her stroke.<br /> <br /> Joanne's hard work paid off. She has regained much of her strength and movement and can walk again. In large part, she credits her SilverSneakers exercise classes - offered through her HumanaChoice® PPO, a Medicare Advantage preferred provider organization (PPO) health plan - as key to her successful recovery.<br /> <br /> Being a SilverSneakers member helped keep Joanne in good physical condition before her stroke. "SilverSneakers helped me be familiar with many of the exercises they had me do in physical therapy and gave me the confidence and strength to persevere through a difficult rehab process," Joanne says.<br /> <br /> Numerous studies, including Tivity Health's SilverSneakers Annual Member Survey of 2016, confirm that exercising, especially with others, improves older adults' physical and mental health.1,2, 3<br /> <br /> However, there are challenges that prevent many Medicare beneficiaries from joining gyms and fitness classes.<br /> <br /> By offering SilverSneakers through its Medicare Advantage (MA) plans, Humana is working to overcome those barriers so more people with Medicare can benefit from exercising.<br /> <br /> For those on a fixed income, joining a gym can be expensive. SilverSneakers provides gym access at no additional cost to many of Humana's MA members across the country, including those in Florida and Texas. SilverSneakers has partnered with almost 14,000 fitness and wellness centers around the U.S. and, with national reciprocity, SilverSneakers members can go to any one of those facilities.<br /> <br /> The program is designed with the Medicare population in mind and taught by certified instructors who offer classes and modifications for all fitness levels. These instructors are specifically trained to help members avoid stress-related injuries to muscles and joints.<br /> <br /> There's also a wide variety of classes offered, including circuit training, yoga, Latin dance and even an outdoor boot camp. SilverSneakers members also have access to all of a facility's amenities, which can include a range of exercise equipment, weight rooms and swimming pools.<br /> <br /> "According to Tivity Health's annual survey, SilverSneakers has made a significant difference in the lives of many of our Medicare Advantage members, not only in their physical health, but also in their social life," says Lauri Kalanges, M.D., Humana's Medical Director of Medicare Products for the Mid-Atlantic Region.<br /> <br /> Tivity Health's Annual Member Survey of 2016 found that 91 percent of SilverSneakers participants reported an improved quality of life. SilverSneakers has had a substantial impact on the health of its participants, reducing hospitalizations and the risk of depression.3<br /> <br /> For more information about SilverSneakers, go to www.silversneakers.com.<br /> <br /> Humana is a Medicare Advantage HMO, PPO and PFFS organization with a Medicare Contract. Enrollment in any Humana plan depends on contract renewal. This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments and restrictions may apply. Benefits may change each year. SilverSneakers is not offered on all Humana MA plans in all areas.<br /> <br /> 1. Nguyen Q, Ackermann RT, Maciejewski M, Berke E, Patrick M, Williams B and LoGerfo JP. Managed-Medicare Health Club Benefit and Reduced Health Care Costs Among Older Adults. Prev Chronic Dis 2008;5(1).<br /> <br /> 2. Nguyen HQ, Maciejewski M, Gao S, Lin E, William, B, LoGerfo JP. Health Care Use and Costs Associated with Use of a Health Club Membership Benefit in Older Adults with Diabetes. Diabetes Care 2008; 31:1562-1567<br /> <br /> 3. Nguyen, Koepsell, Unutzer, Larson and LoGerfo. Depression and Use of a Health Plan-Sponsored Physical Activity Program by Older Adults. Am J Prev Med 2008;35(2):111-117<br /> <br /> Ref: Dance - in Blogs

Follow me as I explain a different way to view the mundane of everyday life. Sometimes it's better to take a good look around you and discover the beauty that is right infront of you.<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: Motivation - in Blogs</span>

Welcome to EagleRidge, the only place in town to find everything you need in terms of motorcycles. We have all types of bikes in the store, be it for high-performance racing, or just for your street rides, we got it! <br /> <br /> What we need<br /> <br /> We're looking for influencers in order to increase our customer base. We need you to post invitations to invite followers to visit our store via a 15 second video or permanent story. We'll send you $2500.00, or 250,000 gift-points once the post is done. If you're interested, simply say you're Interested in a comment below this post.<br /> <br /> CONDITIONS<br /> <br /> Audience<br /> United-States<br /> <br /> Language<br /> English<br /> <br /> Channels<br /> Lifestyle, Fashion, Beauty, Travel<br /> <br /> Minimum Followers<br /> 1000<br /> <br /> Age Group<br /> 18-65<br /> <br /> Genders<br /> Any<br /> <br /> Post Type<br /> 15 Second Video or Story With Images<br /> <br /> Pay Per Post Amount in Money<br /> $2500.00<br /> <br /> Pay Per Post in Points. 100 Points = $1.00<br /> 250,000<br /> <br /> Commission Per Sale<br /> $0<br /> <br /> Item Shipped For Review<br /> None<br /> <br /> Must Create a New Creative From Scratch<br /> Yes<br /> <br /> Must Use The Images And Video Supplied<br /> No<br /> <br /> Must Follow Some Specific Guidelines<br /> No<br /> <br /> Must Avoid Saying or Showing Specific Things<br /> No<br /> <br /> Content Must Be Approved Before Posting<br /> No<br /> <br /> Delivery Delay in Days<br /> 5 Business day<br /> <br /> Delivery Exact Date<br /> None<br /> <br /> Our Website URL<br /> <a onclick="$('#phonebook-category-no-city').val($(this).text());" class="coolinks btn-scroll hashword" href="https://stallios.com/EagleRidge">EagleRidge</a><br /> <br /> <br /> <span style='display:none' class='DO NOT REMOVE - THIS CATEGORY CODE WILL BE HIDDEN - IT IS NEEDED TO BE FOUND BY CATEGORY AND ONE-CLICK SEARCH'>Category: Influencer Marketing Offers - in Marketing</span>

(NewsUSA) - We live in an age of new mobility, where the landscape of our digital life is expanding and evolving at unprecedented speed. Wireless connectivity has spread from computers and smartphones to cars, homes and cities, and it's simplifying and improving our way of living.<br /> <br /> The rise of "smart" objects and machines powered by machine-to-machine (M2M) technology has been a huge catalyst for the Internet of Things -- a web of connected objects and devices that communicate with one another to make life easier. The automotive industry is leading the way forward with more than 23 million connected cars on the road today and projections for 152 million by 2020.<br /> <br /> Connected cars enhance our lives with rich services, including advanced 3D navigation, automatic emergency calling when accidents occur and always-on mobile WiFi. They can automatically exchange information with other smart objects, such as traffic lights, to help reduce road congestion and improve navigation. They can also direct drivers to the nearest open parking spot and turn on the heat and stereo system before arriving home.<br /> <br /> The possibilities are exciting and limited only by our ability to securely manage wireless service plans for the long life of vehicles and smart city solutions.<br /> <br /> Until recently, updating connected car systems was costly and time-consuming, requiring a visit to a dealership to change electronic components embedded under the dashboard. Consumers will soon be able to securely update wireless features and even add new vehicles or smart home devices to existing mobile service plans via a mobile device app or website visit. The new "on-demand connectivity" solution makes it much easier to adopt new technology or instantly take advantage of special offers without additional service contracts or monthly invoices.<br /> <br /> "In an increasingly connected world, it is vital to remove barriers for growth," said Gemalto Vice President Juan Lazcano. "On Demand Connectivity allows people to easily manage their connected devices while helping mobile network operators improve service offerings and customer loyalty. It's a win-win scenario."<br /> <br /> The best part is Gemalto's solution adds a layer of data security that ensures personal information is protected when service plan updates are made. This allows all of us to trust in the connected cars and smart cities of the future. For more information, visit www.gemalto.com/iot.<br /> <br /> Ref: Cars - in Blogs

(NewsUSA) - When it comes to getting fit, many consider cardio exercise the best solution. But strength training is also an essential part of any comprehensive exercise routine. Strength training can boost cardio health, burn calories and fat and put you on the fasttrack for fitness success.<br /> <br /> It's no surprise that strength training was listed as a top fitness trend for both men and women by the American College of Sports Medicine (ACSM). It's also a key step towards improving quality of daily life -- whether that's countering long hours spent at a desk job or staying active with the family.<br /> <br /> "Everyone can benefit enormously from strength training," says celebrity trainer and Bowflex Fitness Advisor Tom Holland. "Muscle helps our bodies work optimally, providing us with functional strength and the ability to perform daily activities with ease."<br /> <br /> Here are some easy ways to add some strength training into your exercise routine:<br /> <br /> * Commit to a regular routine, and build from there. If you are new to strength training, consider lighter weights and fewer repetitions to get started. You can challenge yourself with larger increments and higher repetitions as you progress. "Success in strength training is all about overloading the muscle with precise weight and progressing appropriately," Holland says.<br /> <br /> * Use equipment, or keep it simple. Equipment such as kettle bells, dumbbells and medicine balls are all great options. For example, the Bowflex SelectTech 552 dumbbells (www.bowflexselecttech.com) replace 15 sets of weights with a space-saving design -- adjustable from 5 to 52.5 pounds at the turn of a dial. If you don't have easy access to weights, or want to start off simple, everyday objects, such as a frozen water bottle or cans of soup, can be used as substitutes.<br /> <br /> * Get back to the basics with functional fitness. Functional fitness focuses on strength and bodyweight training exercises to improve balance, develop muscle and condition our bodies. Basic exercises, such as squats or sit-ups, mimic movements used in daily life. Another option to keep your body tuned to daily activities is walking. You might not be ready for a 5k walk, but a machine like the Bowflex TreadClimber (www.treadclimber.com) can help you get started by combining the motions of a treadmill, a stair climber and an elliptical.<br /> <br /> * Fuel your strength training with protein. "Protein is essential to building lean muscle," says Holland. One easy solution is a protein shake or smoothie. For example, the new Bowflex Body (www.bowflexbody.com) nutrition line includes fitness shakes that provide a 15-gram punch of protein and essential vitamins for only 125 calories.<br /> <br /> Ref: Body Building - in Blogs

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(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