Stallios - the next generation social network

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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Digital Resources to Play a Big Role in Education this Fall

(NewsUSA) - The upcoming school year will be like nothing teachers, students, and families have ever experienced, as the ongoing COVID-19 pandemic steers school systems to embrace online learning and incorporate it in new ways.

However, school systems across the country are rising to the challenge and staying connected to their students with dynamic digital resources, such as those from Discovery Education.

Since the beginning of the pandemic, school systems across the country have invested in digital services like Discovery Education Experience because they support students' education at home, in the classroom or wherever learning is taking place.

Experience - Discovery Education's flexible K-12 learning platform - connects educators to a vast collection of compelling high-quality, standards-aligned content, ready-to-use digital lessons, and professional learning resources. Together, these resources give educators everything they need to facilitate instruction in any learning environment and create lasting educational impact.

"Discovery Education is committed to keeping students and teachers connected to learning at home or in school," says Scott Kinney, Discovery Education's president of K-12 Education.

"To accomplish that, we partner with school systems to provide students and teachers the digital resources - such as Discovery Education Experienc - they need for success during this school year and beyond."

In addition, to providing school systems digital resources Discovery Education provides teachers the professional development they need to use new technologies and maximize their school district's technology investment.

Discovery Education has a long history as a global leader in digital curricula that align with the current standards for K-12 education, and their products include digital textbooks, multimedia resources, and professional learning for educators.

Visit discoveryeducation.com for more information about the company's resources, and visit https://www.discoveryeducation.com/district-partners to determine whether your local school district is making Discovery Education materials available to their students for the upcoming school year.

Ref: Colleges - in Blogs

(NewsUSA) - The upcoming school year will be like nothing teachers, students, and families have ever experienced, as the ongoing COVID-19 pandemic steers school systems to embrace online learning and incorporate it in new ways. However, school systems across the country are rising to the challenge and staying connected to their students with dynamic digital resources, such as those from Discovery Education. Since the beginning of the pandemic, school systems across the country have invested in digital services like Discovery Education Experience because they support students' education at home, in the classroom or wherever learning is taking place. Experience - Discovery Education's flexible K-12 learning platform - connects educators to a vast collection of compelling high-quality, standards-aligned content, ready-to-use digital lessons, and professional learning resources. Together, these resources give educators everything they need to facilitate instruction in any learning environment and create lasting educational impact. "Discovery Education is committed to keeping students and teachers connected to learning at home or in school," says Scott Kinney, Discovery Education's president of K-12 Education. "To accomplish that, we partner with school systems to provide students and teachers the digital resources - such as Discovery Education Experienc - they need for success during this school year and beyond." In addition, to providing school systems digital resources Discovery Education provides teachers the professional development they need to use new technologies and maximize their school district's technology investment. Discovery Education has a long history as a global leader in digital curricula that align with the current standards for K-12 education, and their products include digital textbooks, multimedia resources, and professional learning for educators. Visit discoveryeducation.com for more information about the company's resources, and visit <a target='_blank' href="https://www.discoveryeducation.com/district-partners">https://www.discoveryeducation.com/district-partners</a> to determine whether your local school district is making Discovery Education materials available to their students for the upcoming school year. Ref: Colleges - in Blogs

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The Rise of Digital Wallets and Mobile Payments

(NewsUSA) - More businesses and countries worldwide are embracing digital payments as a way to make e-commerce more efficient and create a smoother transaction experience for consumers.

Digital wallets, such as uBUCK, offer a dollar-backed stable token built on Waves blockchain technology, one of the fastest blockchains available. uBUCK's technology allows for the management of both digital and traditional currency, and both online and offline purchasing power.

"Piloted by an all-star management team, uBUCK is looking beyond carving out a niche to become a disruptive player in this ever-changing payments industry," according to the company's website.

The uBUCK digital wallet allows for instant transfers of funds, and unlike some digital wallets, uBUCK is not limited to the United States. Transfers can occur globally, with no transfer fees and no cost to the end user.

The elimination of transfer fees is one of uBUCK's strongest selling points, as it is an option for those who don't have traditional bank accounts, such as migrant workers looking to send money home, or for anyone else, such as parents sending money to kids at college who want to avoid the additional fees associated with some financial transfers.

Users of uBUCK can transfer funds, make online purchases, or withdraw cash at an ATM, although reports on digital wallet use suggest that the expanded technology may ultimately replace the need for bank branches and ATMs.

Sending money with uBUCK is a simple, four-step process:

* Buy the voucher. Users download the uBUCK app and purchase a voucher.

* Buy uBUCK cash. Users redeem a PIN to purchase uBUCK cash.

* Select recipient. Users without a uBUCK account will be invited to the app via email.

* Send payment. Users can then enter the payment amount, send, and confirm.

"Our mission is to put honesty, transparency, and trust back into software," according to Ashik Karim, CEO of LiteLink Technologies, the parent company of uBUCK Technologies. LiteLink was recently featured in a Forbes magazine article, "10 Blockchain Companies to Watch in 2019."

LiteLink is publicly traded on the Canadian Securities Exchange and OTC Markets. Their symbols are CSE:LLT and OTC:LLNKF.

Ref: Apps - in Blogs

(NewsUSA) - More businesses and countries worldwide are embracing digital payments as a way to make e-commerce more efficient and create a smoother transaction experience for consumers. Digital wallets, such as uBUCK, offer a dollar-backed stable token built on Waves blockchain technology, one of the fastest blockchains available. uBUCK's technology allows for the management of both digital and traditional currency, and both online and offline purchasing power. "Piloted by an all-star management team, uBUCK is looking beyond carving out a niche to become a disruptive player in this ever-changing payments industry," according to the company's website. The uBUCK digital wallet allows for instant transfers of funds, and unlike some digital wallets, uBUCK is not limited to the United States. Transfers can occur globally, with no transfer fees and no cost to the end user. The elimination of transfer fees is one of uBUCK's strongest selling points, as it is an option for those who don't have traditional bank accounts, such as migrant workers looking to send money home, or for anyone else, such as parents sending money to kids at college who want to avoid the additional fees associated with some financial transfers. Users of uBUCK can transfer funds, make online purchases, or withdraw cash at an ATM, although reports on digital wallet use suggest that the expanded technology may ultimately replace the need for bank branches and ATMs. Sending money with uBUCK is a simple, four-step process: * Buy the voucher. Users download the uBUCK app and purchase a voucher. * Buy uBUCK cash. Users redeem a PIN to purchase uBUCK cash. * Select recipient. Users without a uBUCK account will be invited to the app via email. * Send payment. Users can then enter the payment amount, send, and confirm. "Our mission is to put honesty, transparency, and trust back into software," according to Ashik Karim, CEO of LiteLink Technologies, the parent company of uBUCK Technologies. LiteLink was recently featured in a Forbes magazine article, "10 Blockchain Companies to Watch in 2019." LiteLink is publicly traded on the Canadian Securities Exchange and OTC Markets. Their symbols are CSE:LLT and OTC:LLNKF. Ref: Apps - in Blogs

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Inner Beauty

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Morning with the Master

Morning with the Master

Hey sisters and brothers! Welcome to my weekly devotional where we can share prayers, scriptures and reflection.

When reading this morning, I came across the story of Athaliah, the first female crowned king who, when her husband and sons died, killed off the rest of her family line (her grandkids) so that she would be the only person left in her lineage and could rule until her death. I don't know about you, but there is nothing more important than my family--and the grandkids are extra special and precious to my very sight! To have that much greed and desire to have not only everyone answer to you, but also be the sole decision maker is completely out of bounds, and extremely ambitious.

As a Christian woman, I don't want to be the only face that people seek for approval, answers and permission. That is too much weight for any one person to bear and its just unnatural. Who can you love? Who can love you?

The divine God created the world and everything in it. Can any man or woman follow that? Not one! Can any man or woman have the right answer to EVERY question or concern? Not one! Can any man or woman create a permanent route for peace and understanding? Not one!

There is a reason we cannot see or touch God. Because we might do like Athaliah and try to eliminate the almighty because of greed and idolatry. He oversees and has the end say to everything we do. That is a safety I can count on if I cannot rely on anything else in this world.

Let me know your thoughts. Let's talk about it.

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Choosing Schools - All Kids Learn Differently

(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

(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

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Who said the heart sign was created by men

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The 5 Best AI Chatbot Builder

Struggling to keep up with endless customer questions? You’re not alone. Businesses are realizing that AI-powered chatbots are no longer just “nice-to-have” tools they’re essential for delivering fast, 24/7 customer support.

But here’s the real challenge: with so many chatbot platforms out there, how do you know which one fits your business?

In this guide, I’ll walk you through the 5 best AI chatbot builders in 2025. These tools are not only user-friendly but also designed to help businesses of all sizes automate conversations, save time, and increase customer satisfaction.

What Makes a Great AI Chatbot Builder?
Before diving into the list, let’s set some standards. A solid chatbot builder should offer:

Ease of use – No-code or low-code platforms are best for beginners.
AI capabilities – Natural Language Processing (NLP) for smarter conversations.
Integrations – Works seamlessly with CRMs, websites, or apps.
Scalability – Can grow with your business.
Analytics – Helps you measure performance and customer interactions.

If a chatbot builder ticks most of these boxes, it’s worth considering.

1. ManyChat – Best for Marketing Automation
manyChat is a go-to chatbot builder if you’re running an online store or want to automate conversations on social media platforms like Facebook Messenger and Instagram.

Key Features:

Visual drag-and-drop builder
Automated workflows for lead generation
Supports SMS, WhatsApp, and email campaigns
Integrates with Shopify and HubSpot

Best For: E-commerce stores and social media marketers who want to convert followers into paying customers.

2. Intercom – Best for Customer Support
Intercom is one of the most popular customer communication platforms, and its AI chatbot functionality is top-notch. According to TechCrunch, Intercom has been a pioneer in scaling customer support with conversational AI.

Key Features:

AI-powered resolution bot
Proactive customer engagement
Powerful integrations with Slack, Salesforce, and Zapier
Real-time analytics

Best For: SaaS companies and customer support teams needing advanced automation.

3. Tidio – Best for Small Businesses
If you’re just getting started and want something simple yet effective, Tidio is a fantastic option. It combines live chat with AI automation in one platform.

Key Features:

Easy to install on WordPress, Shopify, and Wix
AI bot trained to answer FAQs
Mobile app for on-the-go support
Affordable plans

Best For: Small businesses that want a budget-friendly AI chatbot solution.

4. Drift – Best for B2B Sales Conversations
Drift positions itself as a conversational marketing platform, and for good reason. It focuses on creating real-time, personalized chat experiences that drive sales.

Key Features:

AI bots qualify leads automatically
Custom playbooks for B2B sales
Integration with major CRMs like Salesforce and Marketo
Personalized chat based on visitor data

Best For: B2B businesses that rely heavily on lead generation and relationship building.

5. HubSpot Chatbot Builder – Best All-in-One CRM Integration
HubSpot offers a free chatbot builder inside its all-in-one CRM. This makes it incredibly useful for businesses already using HubSpot for marketing and sales.

Key Features:

No-code chatbot builder
Automated lead qualification
Seamless integration with HubSpot CRM
Free plan with premium upgrades

Best For: Businesses already in the HubSpot ecosystem who want a cost-effective chatbot solution.

Final Thoughts
The right AI chatbot builder depends on your business goals:

Use ManyChat if you’re focused on social media and e-commerce.
Choose Intercom for powerful customer support automation.
Try Tidio if you’re a small business on a budget.
Go with Drift for B2B lead generation.
Pick HubSpot for all-in-one CRM integration.

At the end of the day, the “best” chatbot is the one that fits your audience, budget, and growth strategy. Start small, experiment, and optimize as you go.

Have you tried any of these chatbot builders before? Share your experience I’d love to hear which one worked best for you!

Struggling to keep up with endless customer questions? You’re not alone. Businesses are realizing that AI-powered chatbots are no longer just “nice-to-have” tools they’re essential for delivering fast, 24/7 customer support. But here’s the real challenge: with so many chatbot platforms out there, how do you know which one fits your business? In this guide, I’ll walk you through the 5 best AI chatbot builders in 2025. These tools are not only user-friendly but also designed to help businesses of all sizes automate conversations, save time, and increase customer satisfaction. What Makes a Great AI Chatbot Builder? Before diving into the list, let’s set some standards. A solid chatbot builder should offer: Ease of use – No-code or low-code platforms are best for beginners. AI capabilities – Natural Language Processing (NLP) for smarter conversations. Integrations – Works seamlessly with CRMs, websites, or apps. Scalability – Can grow with your business. Analytics – Helps you measure performance and customer interactions. If a chatbot builder ticks most of these boxes, it’s worth considering. 1. ManyChat – Best for Marketing Automation manyChat is a go-to chatbot builder if you’re running an online store or want to automate conversations on social media platforms like Facebook Messenger and Instagram. Key Features: Visual drag-and-drop builder Automated workflows for lead generation Supports SMS, WhatsApp, and email campaigns Integrates with Shopify and HubSpot Best For: E-commerce stores and social media marketers who want to convert followers into paying customers. 2. Intercom – Best for Customer Support Intercom is one of the most popular customer communication platforms, and its AI chatbot functionality is top-notch. According to TechCrunch, Intercom has been a pioneer in scaling customer support with conversational AI. Key Features: AI-powered resolution bot Proactive customer engagement Powerful integrations with Slack, Salesforce, and Zapier Real-time analytics Best For: SaaS companies and customer support teams needing advanced automation. 3. Tidio – Best for Small Businesses If you’re just getting started and want something simple yet effective, Tidio is a fantastic option. It combines live chat with AI automation in one platform. Key Features: Easy to install on WordPress, Shopify, and Wix AI bot trained to answer FAQs Mobile app for on-the-go support Affordable plans Best For: Small businesses that want a budget-friendly AI chatbot solution. 4. Drift – Best for B2B Sales Conversations Drift positions itself as a conversational marketing platform, and for good reason. It focuses on creating real-time, personalized chat experiences that drive sales. Key Features: AI bots qualify leads automatically Custom playbooks for B2B sales Integration with major CRMs like Salesforce and Marketo Personalized chat based on visitor data Best For: B2B businesses that rely heavily on lead generation and relationship building. 5. HubSpot Chatbot Builder – Best All-in-One CRM Integration HubSpot offers a free chatbot builder inside its all-in-one CRM. This makes it incredibly useful for businesses already using HubSpot for marketing and sales. Key Features: No-code chatbot builder Automated lead qualification Seamless integration with HubSpot CRM Free plan with premium upgrades Best For: Businesses already in the HubSpot ecosystem who want a cost-effective chatbot solution. Final Thoughts The right AI chatbot builder depends on your business goals: Use ManyChat if you’re focused on social media and e-commerce. Choose Intercom for powerful customer support automation. Try Tidio if you’re a small business on a budget. Go with Drift for B2B lead generation. Pick HubSpot for all-in-one CRM integration. At the end of the day, the “best” chatbot is the one that fits your audience, budget, and growth strategy. Start small, experiment, and optimize as you go. Have you tried any of these chatbot builders before? Share your experience I’d love to hear which one worked best for you! Category: Technology - 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

Ref: Entertainment - in Apps

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Record a Vibe Video

Graphic Designer