Stallios - the next generation social network

Eco-Friendly, Health-Enhancing Home Design

(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

(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

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The Directions To Our Business - Demo

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

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One Date Parents Shouldn't Ignore: 529 College Savings Plan Day

(NewsUSA) - How much will I need for my kid's college education? And how the heck will I pay for it?

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.

"Madness," she decried.

Which is all the more reason to mark May 29 down on your calendar.

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.

"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."

And now to the big question: How much?

Two factors are mainly at play:

* 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.

* 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.

One guess where 47 percent of the costs came from. That's right, "family income and savings," with another 24 percent covered by borrowing.

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.

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.

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.

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.

Hopefully, armed with all that info, you'll be sleeping better at night.

Ref: Family - in Blogs

(NewsUSA) - How much will I need for my kid's college education? And how the heck will I pay for it? 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. "Madness," she decried. Which is all the more reason to mark May 29 down on your calendar. 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. "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." And now to the big question: How much? Two factors are mainly at play: * 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. * 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. One guess where 47 percent of the costs came from. That's right, "family income and savings," with another 24 percent covered by borrowing. 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. 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. 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. 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. Hopefully, armed with all that info, you'll be sleeping better at night. Ref: Family - in Blogs

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Go Green and Save Green with a High-Efficiency Water Heater

(NewsUSA) - As energy costs rise, the "green" movement and conservation efforts have become popular topics. Energy-saving recommendations appear daily in the media, and consumers are being offered subsidies or state and federal tax credits to encourage the purchase of more efficient appliances. However, many homeowners fail to consider their water heater when it comes to going "green."

Although today's water heaters are expected to operate for an average of 13 years, the U.S. Department of Energy recommends shopping for a new water heater if your current unit is more than seven years old. This allows an adequate amount of time for homeowners to research and select a water heater that best meets their needs instead of waiting until their heater breaks down and selecting the cheapest quick fix for cold showers.

Consumers are increasingly turning to high-efficiency water heaters when replacing older units or during remodeling and building projects. While these models may cost more initially, savings in water and energy usage continue throughout the lifetime of the appliance, offsetting the price difference. The U.S. Environmental Protection Agency reports that these units use 10 to 50 percent less energy, benefits to both your budget and the environment.

A recent study by the Gas Technology Institute simulated the residential performance of high-efficiency water heaters and conventional units. The Vertex from A. O. Smith, a hybrid, gas-condensing, residential unit incorporating tank-type and tankless technology, provided the best overall performance at average and high-volume hot water usage, which is the consumption of 64-gallons or more per day of hot water.

Endorsed by long-time environmental champion Ed Begley Jr. of the HGTV series "Living With Ed," the Vertex provides sufficient quantities of hot water for shower after shower and operates at 90 percent thermal efficiency. Additionally, it is designed to meet the demands that modern lifestyles require.

"Using more efficient combustion to produce hot water at lower operating costs and 90 percent thermal efficiency, the Vertex is a good choice for customers who want to save energy without skimping on hot water," said David Chisolm, A. O. Smith Water Heater brand manager.

For more information on the A. O. Smith Vertex model, visit hotwater.com/resources/energy-star-qualified-products/.

Ref: Gifts - in Blogs

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

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Turn a Bad Dog Into an Obedient Pooch

(NewsUSA) - Is your dog bad to the bone? Does your sweet Jack Russel guard all doors from intruders -- friends and family included? Or is it your Boxer puppy that won't stop shredding socks and underwear? Some of the cutest pooches have the worst manners. Whether you're at work or just in another room, their mischievous play may lead to anything from home repairs to staggering vet bills.

Pooches and owners alike can relate to this common problem, and getting the magical, behavioral transformation you've always fantasized about is closer than you think -- pet care authority Camp Bow Wow held a contest, "Bad to The Bone: Camp Bow Wow's Worst Behaved Dog Contest," to discover North America's most ill-mannered dog. The winning pooch received a full year of free services ($3,000 value) at a local Camp or Home Buddies (an in-home care service offered by Camp Bow Wow) of their choice. Most importantly, the winning dog also received free dog training to correct those bad habits.

If you are a frustrated pet owner who doesn't have time to wait to win a contest like this, here are five dog-training tips straight from the Behavior Buddies experts at Camp Bow Wow to get you started:

1. Proper exercise is key! A majority of behavior issues stem from a lack of proper exercise. At least one 30-minute walk per day is sufficient for most dogs. Playing in the backyard or in the house does not count as exercise.

2. Buy a dog backpack for walks. This allows your dog to have a job and adds weight with objects like water bottles or hand weights so the dog expends more energy.

3. Challenge your dog with brain puzzles. A mentally tired dog will not spend time thinking about how to get in the garbage or waste breath yipping at neighbors.

4. Take a training class. Getting your dog to respect you is critical to having your dog listen to you.

5. Send your dog to Camp Bow Wow or hire a Home Buddies Care Giver to take Fido on a walk. A tired dog is a good dog!

If your beloved Fido is still opening cabinets and devouring furniture, enter him or her in Camp Bow Wow.

For more information, visit www.campbowwow.com to see the location finder for the nearest Camp Bow Wow or Home Buddies near you.

Ref: Funny - in Blogs

(NewsUSA) - Is your dog bad to the bone? Does your sweet Jack Russel guard all doors from intruders -- friends and family included? Or is it your Boxer puppy that won't stop shredding socks and underwear? Some of the cutest pooches have the worst manners. Whether you're at work or just in another room, their mischievous play may lead to anything from home repairs to staggering vet bills. Pooches and owners alike can relate to this common problem, and getting the magical, behavioral transformation you've always fantasized about is closer than you think -- pet care authority Camp Bow Wow held a contest, "Bad to The Bone: Camp Bow Wow's Worst Behaved Dog Contest," to discover North America's most ill-mannered dog. The winning pooch received a full year of free services ($3,000 value) at a local Camp or Home Buddies (an in-home care service offered by Camp Bow Wow) of their choice. Most importantly, the winning dog also received free dog training to correct those bad habits. If you are a frustrated pet owner who doesn't have time to wait to win a contest like this, here are five dog-training tips straight from the Behavior Buddies experts at Camp Bow Wow to get you started: 1. Proper exercise is key! A majority of behavior issues stem from a lack of proper exercise. At least one 30-minute walk per day is sufficient for most dogs. Playing in the backyard or in the house does not count as exercise. 2. Buy a dog backpack for walks. This allows your dog to have a job and adds weight with objects like water bottles or hand weights so the dog expends more energy. 3. Challenge your dog with brain puzzles. A mentally tired dog will not spend time thinking about how to get in the garbage or waste breath yipping at neighbors. 4. Take a training class. Getting your dog to respect you is critical to having your dog listen to you. 5. Send your dog to Camp Bow Wow or hire a Home Buddies Care Giver to take Fido on a walk. A tired dog is a good dog! If your beloved Fido is still opening cabinets and devouring furniture, enter him or her in Camp Bow Wow. For more information, visit www.campbowwow.com to see the location finder for the nearest Camp Bow Wow or Home Buddies near you. Ref: Funny - in Blogs

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Nature

Exploring the Charms of Nature through Tent Camping

In our fast-paced world, where screens dominate our daily lives, there exists a longing for a simpler, more natural way of living. Tent camping offers a perfect retreat into the heart of nature, where modern distractions fade away, and the beauty of the outdoors takes center stage.

Imagine waking up to the symphony of chirping birds, the rustling of leaves in the gentle breeze, and the warm glow of the sunrise painting the sky. Tent camping allows you to immerse yourself fully in these experiences, providing a direct connection to the environment that is both humbling and rejuvenating.

One of the most enchanting aspects of tent camping is its versatility. Whether you prefer the rugged terrain of mountain ranges, the tranquil shores of lakes, or the dense foliage of forests, there's a campsite to suit every preference. Each location offers its own unique charm and opportunities for exploration, from hiking trails that lead to breathtaking viewpoints to peaceful spots perfect for stargazing under clear night skies.

Moreover, tent camping encourages a sense of self-sufficiency and resourcefulness. As you pitch your tent and set up your campsite, you reconnect with basic survival skills and learn to appreciate the essentials. Cooking meals over a campfire or portable stove becomes a communal activity, fostering bonds with fellow campers and creating memories that last a lifetime.

Beyond the physical benefits of fresh air and exercise, tent camping provides mental and emotional rejuvenation. Away from the constant buzz of notifications and emails, you can truly unwind and reset. The simplicity of life in nature allows for introspection and mindfulness, offering a chance to recharge your spirit and return to daily life with a renewed sense of clarity and purpose.

In essence, tent camping is more than just a recreational activity—it's a lifestyle that celebrates the beauty of our natural world and the joy of unplugging from the digital realm. Whether you're seeking adventure, relaxation, or a deeper connection with nature, a tent camping vacation promises to deliver an unforgettable experience that nourishes the soul and leaves you longing for more outdoor escapades.

Exploring the Charms of Nature through Tent Camping In our fast-paced world, where screens dominate our daily lives, there exists a longing for a simpler, more natural way of living. Tent camping offers a perfect retreat into the heart of nature, where modern distractions fade away, and the beauty of the outdoors takes center stage. Imagine waking up to the symphony of chirping birds, the rustling of leaves in the gentle breeze, and the warm glow of the sunrise painting the sky. Tent camping allows you to immerse yourself fully in these experiences, providing a direct connection to the environment that is both humbling and rejuvenating. One of the most enchanting aspects of tent camping is its versatility. Whether you prefer the rugged terrain of mountain ranges, the tranquil shores of lakes, or the dense foliage of forests, there's a campsite to suit every preference. Each location offers its own unique charm and opportunities for exploration, from hiking trails that lead to breathtaking viewpoints to peaceful spots perfect for stargazing under clear night skies. Moreover, tent camping encourages a sense of self-sufficiency and resourcefulness. As you pitch your tent and set up your campsite, you reconnect with basic survival skills and learn to appreciate the essentials. Cooking meals over a campfire or portable stove becomes a communal activity, fostering bonds with fellow campers and creating memories that last a lifetime. Beyond the physical benefits of fresh air and exercise, tent camping provides mental and emotional rejuvenation. Away from the constant buzz of notifications and emails, you can truly unwind and reset. The simplicity of life in nature allows for introspection and mindfulness, offering a chance to recharge your spirit and return to daily life with a renewed sense of clarity and purpose. In essence, tent camping is more than just a recreational activity—it's a lifestyle that celebrates the beauty of our natural world and the joy of unplugging from the digital realm. Whether you're seeking adventure, relaxation, or a deeper connection with nature, a tent camping vacation promises to deliver an unforgettable experience that nourishes the soul and leaves you longing for more outdoor escapades. Category: Nature - in Blogs

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The beautiful blend of gray and blue

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Unlock Your Home Equity with a Home Co-investment

(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

(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

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Racing game. Select quality: high, for fast rendering

Next-Gen game is the new exciting game where you can be part of the story and action. Simply select your world and assets and click on start to experience one of the most amazing and fascinating adventures of your life.

AUDIENCE
General - All ages

ABOUT US
We are GameWorld. A multi-national video game publisher company on a mission to create the next-gen games.

PAGE URL
Your Stallios page url

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Record a Vibe Video

Graphic Designer