Stallios - the next generation social network

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.

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

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Ref: Entertainment - in Apps

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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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Pop the Question with the Perfect Song

(NewsUSA) - Enhancing a once-in-a-lifetime event, such as a wedding proposal or ceremony, with the right song takes the experience to a whole new level. It adds a personal touch that makes for ongoing memories, as couples have the opportunity to play the song at anniversaries or other special events through the years.

Just in time for anyone planning to propose on Valentine's Day (or any day), an original song called "The First Time," by Del Henry, makes its debut February 1, 2019, on multiple channels, including iTunes, Amazon Music, Apple Music, Tidal, Spotify, Pandora, YouTube Music, Google Music Store, Shazam, and many more.

The release of the song coincides with a release of a video. The video version of "The First Time" being released is, in fact, the first time the song was performed live, at a wedding as a gift from the groom to the bride, and her reaction says it all.

"How can I say, in a most simple way/My living started when you came that day/ How can I tell you when all's said and done/ My Heaven started with you as the one."

Many couples can relate to these lyrics. The song stands out as an example of the power of music to capture a moment and move an audience, so it is both a personal and a shared experience.

Many of the guests seen in the video of the song's debut are as emotional as the bride, because the lyrics evoke memories of their own shared lives and ongoing love stories.

"It's truly a story about how and why couples come to the moment when they want to be together … 'eternally,' says David Shewmaker, the Minister conducting the ceremony.

"As a Groomsman, I could see Brandon's live performance and saw the audience's response, which was electric and moving. I was hearing the song for the first time too," says Tim Delany, a 23-year-old college graduate.

Lyrics such as "The first time I felt your eyes touch mine/The first time I felt your smile" can be part of the setting of a proposal on Valentine's Day or any day, but they are equally appropriate for an anniversary, whether a first or a fiftieth, or simply to thank someone for bringing joy to your life.

Use the song to show your affection for someone who matters to you, share the heartwarming video, and appreciate the skill of 18-year-old musician Brandon D. Henry, who performed "The First Time" for its first time at the recent wedding shown in the video, accompanied by master guitarist Dave Murdy.

Ref: Concerts - in Blogs

(NewsUSA) - Enhancing a once-in-a-lifetime event, such as a wedding proposal or ceremony, with the right song takes the experience to a whole new level. It adds a personal touch that makes for ongoing memories, as couples have the opportunity to play the song at anniversaries or other special events through the years. Just in time for anyone planning to propose on Valentine's Day (or any day), an original song called "The First Time," by Del Henry, makes its debut February 1, 2019, on multiple channels, including iTunes, Amazon Music, Apple Music, Tidal, Spotify, Pandora, YouTube Music, Google Music Store, Shazam, and many more. The release of the song coincides with a release of a video. The video version of "The First Time" being released is, in fact, the first time the song was performed live, at a wedding as a gift from the groom to the bride, and her reaction says it all. "How can I say, in a most simple way/My living started when you came that day/ How can I tell you when all's said and done/ My Heaven started with you as the one." Many couples can relate to these lyrics. The song stands out as an example of the power of music to capture a moment and move an audience, so it is both a personal and a shared experience. Many of the guests seen in the video of the song's debut are as emotional as the bride, because the lyrics evoke memories of their own shared lives and ongoing love stories. "It's truly a story about how and why couples come to the moment when they want to be together … 'eternally,' says David Shewmaker, the Minister conducting the ceremony. "As a Groomsman, I could see Brandon's live performance and saw the audience's response, which was electric and moving. I was hearing the song for the first time too," says Tim Delany, a 23-year-old college graduate. Lyrics such as "The first time I felt your eyes touch mine/The first time I felt your smile" can be part of the setting of a proposal on Valentine's Day or any day, but they are equally appropriate for an anniversary, whether a first or a fiftieth, or simply to thank someone for bringing joy to your life. Use the song to show your affection for someone who matters to you, share the heartwarming video, and appreciate the skill of 18-year-old musician Brandon D. Henry, who performed "The First Time" for its first time at the recent wedding shown in the video, accompanied by master guitarist Dave Murdy. Ref: Concerts - in Blogs

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The wonderful day we met our best friend

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Sunny morning deep in the pacific

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Press Here for Perfect Cold Brew Coffee at Home

(NewsUSA) - Cold brew coffee continues to be a hot trend. Recent market research shows an increase in sales of 580 percent between 2011 and 2016 as coffee drinkers have embraced the smooth flavor of cold brew.

Cold brew is coffee made with cold water. It sounds simple, but making cold brew concentrate from ground coffee at home can be a messy and time-consuming process. Most devices on the market require 12 to 24 hours of steep time at room temperature to brew a coffee concentrate suitable for cold brew coffee, so serving cold brew coffee has traditionally required advance planning. But now a specialized coffee press allows cold brew coffee lovers to get their fix in a couple of minutes.

By briskly stirring coffee grounds and room temperature water together in the AeroPress coffee maker, you can cut brewing time from many hours to just two minutes. Simply add finely ground coffee and room-temperature water, stir, press, and enjoy a cup of smooth, flavorful cold brew coffee.

Another advantage of the AeroPress is a quick and easy cleanup. Unlike typical cold brewers, the AeroPress does not leave a large filter full of messy coffee grounds after brewing. It is designed to consolidate the used grounds and filter into a small, neat puck that pops out ready for composting.

A huge advantage of cold brewing is it can be done where there is that no access to hot water. When traveling, hiking, biking, or doing other activities away from the home kitchen, there is almost always a source of water but often no way to heat it. However with a lightweight, portable AeroPress, it is easy to brew a cup of smooth rich cold brew using tap water in about two minutes.

Not only does the AeroPress brew delicious hot coffee in addtion to cold brew, but as a multipurpose coffeemaker, it helps cut kitchen clutter by eliminating the need for separate machines.

Visit aeropress.com for more information about how to enjoy cold brew (or hot) coffee with ease in the comfort of your home.

Ref: Drinks - in Blogs

(NewsUSA) - Cold brew coffee continues to be a hot trend. Recent market research shows an increase in sales of 580 percent between 2011 and 2016 as coffee drinkers have embraced the smooth flavor of cold brew. Cold brew is coffee made with cold water. It sounds simple, but making cold brew concentrate from ground coffee at home can be a messy and time-consuming process. Most devices on the market require 12 to 24 hours of steep time at room temperature to brew a coffee concentrate suitable for cold brew coffee, so serving cold brew coffee has traditionally required advance planning. But now a specialized coffee press allows cold brew coffee lovers to get their fix in a couple of minutes. By briskly stirring coffee grounds and room temperature water together in the AeroPress coffee maker, you can cut brewing time from many hours to just two minutes. Simply add finely ground coffee and room-temperature water, stir, press, and enjoy a cup of smooth, flavorful cold brew coffee. Another advantage of the AeroPress is a quick and easy cleanup. Unlike typical cold brewers, the AeroPress does not leave a large filter full of messy coffee grounds after brewing. It is designed to consolidate the used grounds and filter into a small, neat puck that pops out ready for composting. A huge advantage of cold brewing is it can be done where there is that no access to hot water. When traveling, hiking, biking, or doing other activities away from the home kitchen, there is almost always a source of water but often no way to heat it. However with a lightweight, portable AeroPress, it is easy to brew a cup of smooth rich cold brew using tap water in about two minutes. Not only does the AeroPress brew delicious hot coffee in addtion to cold brew, but as a multipurpose coffeemaker, it helps cut kitchen clutter by eliminating the need for separate machines. Visit aeropress.com for more information about how to enjoy cold brew (or hot) coffee with ease in the comfort of your home. Ref: Drinks - in Blogs

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Find the Perfect Engagement Ring this Valentine's Day

(NewsUSA) - Preparing to pop the question this Valentine's Day, but unsure how to choose the right engagement ring? Read on for all the tools you need to make the perfect pick!

While choosing an engagement ring can be exciting, the variety of settings, precious metals, and diamonds can be overwhelming. However, the following tips will help you in finding the ideal diamond engagement ring.

Set your price limit.

Before you start shopping, know how much you want to spend. There is no right or wrong amount to put toward a ring, and many beautiful stones and styles are available to suit any budget. It's important to note that lab-grown diamonds can be up to 40 percent less expensive than mined stones.

Learn the "4 C's" of diamonds.

These are: cut, color, clarity, and carat. Here's the translation:

Cut: The cut of a diamond is the most important factor in determining its fire, brilliance, and sparkle.

Color: Not all diamonds are clear; some have varying tints of yellow.

Clarity: A measure of the number of flaws or inclusions in the stone.

Carat: A measure of the weight of the diamond. However, more weight also indicates a bigger size.

Consider shape.

The common diamond shapes used in engagement rings are round, cushion, pear, oval, princess, radiant, and emerald.

Each of these shapes has its fans and distinctive features. For example, a round diamond is the classic engagement ring style, but the larger facets of a cushion style can enhance brilliance, and the elongated emerald cut presents a bold look that can make a diamond appear larger than its carat weight.

Choose a setting.

Deciding the right setting or diamond shape for your stone is a personal decision. Some people have specific ideas for a setting, and take more time on the stone, or vice versa.

However, not all settings accommodate all shapes so it's important to prioritize one or the other if you are set on a particular shape or setting.

Typical engagement ring styles include the solitaire, a simple band that showcases any diamond shape; halo, in which a central stone is surrounded by smaller diamonds; classic, which features a row of accent diamonds along the ring band; and vintage, which replicates design styles from different time periods.

Contemplate your center stone.

When it comes to your center stone, there are a few different options to choose from. Although diamonds are the most popular, birthstones, moissanite, and cubic zirconia are also great budget-friendly options.

In regards to diamonds, there are two types to choose from: mined diamonds and lab-created diamonds.

While mined diamonds are extracted from the earth, lab-grown stones are guaranteed to be ethically sourced and, as mentioned above, up to 40 percent less expensive.

Both types are identical in terms of chemistry and physical appearance. However, interest in lab-created diamonds has surged in recent years as more couples are concerned with sustainability, as well as beauty and romance.

Ref: Dating - in Blogs

(NewsUSA) - Preparing to pop the question this Valentine's Day, but unsure how to choose the right engagement ring? Read on for all the tools you need to make the perfect pick! While choosing an engagement ring can be exciting, the variety of settings, precious metals, and diamonds can be overwhelming. However, the following tips will help you in finding the ideal diamond engagement ring. Set your price limit. Before you start shopping, know how much you want to spend. There is no right or wrong amount to put toward a ring, and many beautiful stones and styles are available to suit any budget. It's important to note that lab-grown diamonds can be up to 40 percent less expensive than mined stones. Learn the "4 C's" of diamonds. These are: cut, color, clarity, and carat. Here's the translation: Cut: The cut of a diamond is the most important factor in determining its fire, brilliance, and sparkle. Color: Not all diamonds are clear; some have varying tints of yellow. Clarity: A measure of the number of flaws or inclusions in the stone. Carat: A measure of the weight of the diamond. However, more weight also indicates a bigger size. Consider shape. The common diamond shapes used in engagement rings are round, cushion, pear, oval, princess, radiant, and emerald. Each of these shapes has its fans and distinctive features. For example, a round diamond is the classic engagement ring style, but the larger facets of a cushion style can enhance brilliance, and the elongated emerald cut presents a bold look that can make a diamond appear larger than its carat weight. Choose a setting. Deciding the right setting or diamond shape for your stone is a personal decision. Some people have specific ideas for a setting, and take more time on the stone, or vice versa. However, not all settings accommodate all shapes so it's important to prioritize one or the other if you are set on a particular shape or setting. Typical engagement ring styles include the solitaire, a simple band that showcases any diamond shape; halo, in which a central stone is surrounded by smaller diamonds; classic, which features a row of accent diamonds along the ring band; and vintage, which replicates design styles from different time periods. Contemplate your center stone. When it comes to your center stone, there are a few different options to choose from. Although diamonds are the most popular, birthstones, moissanite, and cubic zirconia are also great budget-friendly options. In regards to diamonds, there are two types to choose from: mined diamonds and lab-created diamonds. While mined diamonds are extracted from the earth, lab-grown stones are guaranteed to be ethically sourced and, as mentioned above, up to 40 percent less expensive. Both types are identical in terms of chemistry and physical appearance. However, interest in lab-created diamonds has surged in recent years as more couples are concerned with sustainability, as well as beauty and romance. Ref: Dating - in Blogs

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With More Buyers Out There, These Home Upgrades Can Really Pay Off

(NewsUSA) - Sponsored by GAF - It's time to stop thinking of Millennials as totally uninterested in owning anything just because they were early adopters of Uber.

The newly released U.S. home ownership rate rose in 2017 for the first time in 13 years - it now stands at 64.2 percent - driven mainly by a shift towards owning over renting by the under-age 35 crowd who'd been wary of committing for both financial and personal reasons.

"This is happening because young households are buying homes. Full stop," Ralph McLaughlin, chief economist at home listings provider Trulia, told the Wall Street Journal.

They're not the only purchasers, of course. Which means if you're looking to sell your house now or in the not too distant future, you might want to check out this generational roadmap to four upgrades experts say are worth it to help attract potential buyers.

* Cross-generational: a new steel door. The only thing that beat it on Remodeling magazine's annual Cost vs. Value Report for 2017 was loose-fill attic insulation, but this project - with a 90.7% return on investment - speaks directly to the report's main takeaway: "Curb appeal projects, by and large, generated higher returns on investment than work done inside the home."

Plus, as far as Millennials go, while their ideal interiors may differ from older generations - for example, they prefer open floor plans and hardwood floors - Architectural Digest says they're still into "traditional exteriors."

* Millennials: smart-home tech. Yes, there are Boomers and Generation Xers who are super tech savvy, but Millennials especially crave homes that allow them to control their heating, air-conditioning, home security, and lighting systems from their phones.

"They want to use their brains for other things, not for remembering whether they adjusted the heat or closed the garage door," Angie's List stressed.

* Cross-generational: a new roof. It's the ultimate curb appeal enhancer and a perennial Remodeling magazine A-lister, with Credit.com having observed that "buyers pay a premium for one already in place."

So if the first thing prospects notice even before exiting their cars looks like something out of "Twister," you've got a problem.

"It's a huge turn-off," said Patsy O'Neill, a sales associate with Sotheby's in Montclair, New Jersey, "and makes buyers of all ages predisposed to find even more things they don't like."

If your roof does need replacing, those particularly interested in targeting Millennials might want to consider the very affordable Sienna line of diamond-shaped shingles from GAF (gaf.com), North America's largest roofing manufacturer, since they capture that generation's sensibilities.

"They pick up on key Millennial style trends of natural, clean materials, clean lines, and the integration of artistic elements," said Leslie Franklin, executive director of residential marketing at GAF.

* Millennials: all-new appliances. Realtors will tell you that major kitchen (and bath) upgrades aren't generally worth their high costs, in terms of return on investment, since prospective buyers' tastes can clash with yours.

However, Millennials do love, love, love all-new stainless steel appliances. So much so that what RealtyTimes.com called "an astonishing majority of 75 percent" of respondents in a recent survey chose to spend their hypothetical home buying budgets on them.

Ref: Gardens - in Blogs

(NewsUSA) - Sponsored by GAF - It's time to stop thinking of Millennials as totally uninterested in owning anything just because they were early adopters of Uber. The newly released U.S. home ownership rate rose in 2017 for the first time in 13 years - it now stands at 64.2 percent - driven mainly by a shift towards owning over renting by the under-age 35 crowd who'd been wary of committing for both financial and personal reasons. "This is happening because young households are buying homes. Full stop," Ralph McLaughlin, chief economist at home listings provider Trulia, told the Wall Street Journal. They're not the only purchasers, of course. Which means if you're looking to sell your house now or in the not too distant future, you might want to check out this generational roadmap to four upgrades experts say are worth it to help attract potential buyers. * Cross-generational: a new steel door. The only thing that beat it on Remodeling magazine's annual Cost vs. Value Report for 2017 was loose-fill attic insulation, but this project - with a 90.7% return on investment - speaks directly to the report's main takeaway: "Curb appeal projects, by and large, generated higher returns on investment than work done inside the home." Plus, as far as Millennials go, while their ideal interiors may differ from older generations - for example, they prefer open floor plans and hardwood floors - Architectural Digest says they're still into "traditional exteriors." * Millennials: smart-home tech. Yes, there are Boomers and Generation Xers who are super tech savvy, but Millennials especially crave homes that allow them to control their heating, air-conditioning, home security, and lighting systems from their phones. "They want to use their brains for other things, not for remembering whether they adjusted the heat or closed the garage door," Angie's List stressed. * Cross-generational: a new roof. It's the ultimate curb appeal enhancer and a perennial Remodeling magazine A-lister, with Credit.com having observed that "buyers pay a premium for one already in place." So if the first thing prospects notice even before exiting their cars looks like something out of "Twister," you've got a problem. "It's a huge turn-off," said Patsy O'Neill, a sales associate with Sotheby's in Montclair, New Jersey, "and makes buyers of all ages predisposed to find even more things they don't like." If your roof does need replacing, those particularly interested in targeting Millennials might want to consider the very affordable Sienna line of diamond-shaped shingles from GAF (gaf.com), North America's largest roofing manufacturer, since they capture that generation's sensibilities. "They pick up on key Millennial style trends of natural, clean materials, clean lines, and the integration of artistic elements," said Leslie Franklin, executive director of residential marketing at GAF. * Millennials: all-new appliances. Realtors will tell you that major kitchen (and bath) upgrades aren't generally worth their high costs, in terms of return on investment, since prospective buyers' tastes can clash with yours. However, Millennials do love, love, love all-new stainless steel appliances. So much so that what RealtyTimes.com called "an astonishing majority of 75 percent" of respondents in a recent survey chose to spend their hypothetical home buying budgets on them. Ref: Gardens - in Blogs

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