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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Think Your Data is Safe? Think Again

(NewsUSA) - No matter who you are or what business you are in, you're vulnerable to a cyber attack. That's the unfortunate reality of the times we live in.

Think you're immune? There are millions of cyberattacks in the United States every year, with big companies like Home Depot, Adobe Systems, Sony, Citigroup, Target, Facebook, Evernote and The New York Times taking the biggest hits and falling victim.

And like Fortune 500 companies that seemingly have the resources to battle data breaches, small businesses are just as exposed, if not more so. According to a Verizon Data Breach Investigations Report more than 70 percent of the businesses in the study that were breached had fewer than 100 employees. Those breaches result in huge losses. Trend Micro found that "cybercriminals steal as much as $1 billion a year from SMBs in the United States and Europe, alone."

Which begs the question: If both large and small companies and the U.S. government can be compromised (even with security protocols in place), then what does that mean for individuals?

It's a question that Dr. Robert Short, chief technology officer and chief technical scientist of VirnetX, struggled with and finally answered in the form of Gabriel, a set of secure encrypted communication apps derived from a CIA-sponsored Department of Defense project.

"The genesis of Gabriel really was trying to solve the problem of how you make security transparent to the user. The means to automatically create a secure connection whenever a secure connection is needed to wherever it is needed, and create it on demand," says Short. "That has always been the vision behind Gabriel."

The difference between Gabriel and other products, says Short, is that users do not have to transmit data to or store data with any third party, including VirnetX. In this way, data is stored only on their own devices. Essentially, users maintain control of their own data.

Gabriel users also have secure, encrypted (spamless) email, text messages, free voice and video calls and picture or file share with other trusted Gabriel users in their network -- all directly from their personal device.

Gabriel runs on iPhone, iPad, Android, Windows and Mac OSX. For more information or to download Gabriel go to gabrielsecure.com, the App Store or the Google Play store.

Ref: Datacenters - in Blogs

(NewsUSA) - No matter who you are or what business you are in, you're vulnerable to a cyber attack. That's the unfortunate reality of the times we live in. Think you're immune? There are millions of cyberattacks in the United States every year, with big companies like Home Depot, Adobe Systems, Sony, Citigroup, Target, Facebook, Evernote and The New York Times taking the biggest hits and falling victim. And like Fortune 500 companies that seemingly have the resources to battle data breaches, small businesses are just as exposed, if not more so. According to a Verizon Data Breach Investigations Report more than 70 percent of the businesses in the study that were breached had fewer than 100 employees. Those breaches result in huge losses. Trend Micro found that "cybercriminals steal as much as $1 billion a year from SMBs in the United States and Europe, alone." Which begs the question: If both large and small companies and the U.S. government can be compromised (even with security protocols in place), then what does that mean for individuals? It's a question that Dr. Robert Short, chief technology officer and chief technical scientist of VirnetX, struggled with and finally answered in the form of Gabriel, a set of secure encrypted communication apps derived from a CIA-sponsored Department of Defense project. "The genesis of Gabriel really was trying to solve the problem of how you make security transparent to the user. The means to automatically create a secure connection whenever a secure connection is needed to wherever it is needed, and create it on demand," says Short. "That has always been the vision behind Gabriel." The difference between Gabriel and other products, says Short, is that users do not have to transmit data to or store data with any third party, including VirnetX. In this way, data is stored only on their own devices. Essentially, users maintain control of their own data. Gabriel users also have secure, encrypted (spamless) email, text messages, free voice and video calls and picture or file share with other trusted Gabriel users in their network -- all directly from their personal device. Gabriel runs on iPhone, iPad, Android, Windows and Mac OSX. For more information or to download Gabriel go to gabrielsecure.com, the App Store or the Google Play store. Ref: Datacenters - in Blogs

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The Enchanting Beauty of White Flower Blossoms

**Embracing the Ethereal: A Celebration of White Flower Blossoms**

In the tapestry of nature's grandeur, few sights rival the delicate allure of white flower blossoms. These ethereal blooms, with their pristine petals and subtle fragrances, evoke a sense of purity and serenity that captivates the soul. Whether nestled in a verdant garden, adorning a tree branch, or scattered across a meadow like scattered pearls, each white blossom tells a story of beauty and resilience.

**The Elegance of White Blossoms**

White blossoms, in their simplicity, exude a timeless elegance that transcends seasons. In spring, they herald renewal and hope, blanketing orchards and gardens with promises of abundance. Against the backdrop of lush greenery, their purity stands out, drawing admiration and inspiring contemplation. Each petal, a testament to nature's intricate design, delicately unfolds to reveal a pristine heart—a beacon of tranquility amidst life's bustling rhythms.

**Symbolism and Cultural Significance**

Across cultures and centuries, white blossoms have held deep symbolism. They embody purity, innocence, and spiritual enlightenment. In many traditions, they symbolize new beginnings, making them popular choices for weddings and ceremonies. The Japanese revere the cherry blossom (sakura) for its transient beauty, celebrating it with hanami—a tradition of enjoying the blossoms under spring's fleeting embrace. Meanwhile, in Western cultures, white roses symbolize love and reverence, gracing weddings and commemorations alike.

**A Symphony of Fragrance and Form**

Beyond their visual splendor, white blossoms enchant with their subtle fragrances. Jasmine whispers its sweet aroma on warm summer evenings, while magnolia releases its heady perfume in the early morning light. Each bloom adds a unique note to nature's olfactory symphony, inviting us to pause and immerse ourselves in their sensory delights.

**Preserving Nature's Treasures**

As guardians of our environment, we bear a collective responsibility to protect these natural wonders. Climate change and habitat loss threaten the habitats of white blossoms and other flora. By cultivating awareness and advocating for conservation efforts, we can ensure future generations continue to marvel at these exquisite gifts of nature.

**Conclusion: A Call to Appreciation**

In the fleeting beauty of white flower blossoms, we find solace and inspiration. They remind us to cherish life's ephemeral moments and embrace the beauty that surrounds us. Let us cultivate gardens of the soul where these blossoms bloom eternal, and in doing so, nurture a deeper connection to the natural world. As we celebrate their elegance and resilience, may we also pledge to preserve and protect these delicate marvels for generations to come.

In the quiet majesty of white flower blossoms, let us discover the enduring poetry of nature's embrace.

**Embracing the Ethereal: A Celebration of White Flower Blossoms** In the tapestry of nature's grandeur, few sights rival the delicate allure of white flower blossoms. These ethereal blooms, with their pristine petals and subtle fragrances, evoke a sense of purity and serenity that captivates the soul. Whether nestled in a verdant garden, adorning a tree branch, or scattered across a meadow like scattered pearls, each white blossom tells a story of beauty and resilience. **The Elegance of White Blossoms** White blossoms, in their simplicity, exude a timeless elegance that transcends seasons. In spring, they herald renewal and hope, blanketing orchards and gardens with promises of abundance. Against the backdrop of lush greenery, their purity stands out, drawing admiration and inspiring contemplation. Each petal, a testament to nature's intricate design, delicately unfolds to reveal a pristine heart—a beacon of tranquility amidst life's bustling rhythms. **Symbolism and Cultural Significance** Across cultures and centuries, white blossoms have held deep symbolism. They embody purity, innocence, and spiritual enlightenment. In many traditions, they symbolize new beginnings, making them popular choices for weddings and ceremonies. The Japanese revere the cherry blossom (sakura) for its transient beauty, celebrating it with hanami—a tradition of enjoying the blossoms under spring's fleeting embrace. Meanwhile, in Western cultures, white roses symbolize love and reverence, gracing weddings and commemorations alike. **A Symphony of Fragrance and Form** Beyond their visual splendor, white blossoms enchant with their subtle fragrances. Jasmine whispers its sweet aroma on warm summer evenings, while magnolia releases its heady perfume in the early morning light. Each bloom adds a unique note to nature's olfactory symphony, inviting us to pause and immerse ourselves in their sensory delights. **Preserving Nature's Treasures** As guardians of our environment, we bear a collective responsibility to protect these natural wonders. Climate change and habitat loss threaten the habitats of white blossoms and other flora. By cultivating awareness and advocating for conservation efforts, we can ensure future generations continue to marvel at these exquisite gifts of nature. **Conclusion: A Call to Appreciation** In the fleeting beauty of white flower blossoms, we find solace and inspiration. They remind us to cherish life's ephemeral moments and embrace the beauty that surrounds us. Let us cultivate gardens of the soul where these blossoms bloom eternal, and in doing so, nurture a deeper connection to the natural world. As we celebrate their elegance and resilience, may we also pledge to preserve and protect these delicate marvels for generations to come. In the quiet majesty of white flower blossoms, let us discover the enduring poetry of nature's embrace. Category: Nature - in Blogs

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Making Cities Smarter With Connected Cars

(NewsUSA) - We live in an age of new mobility, where the landscape of our digital life is expanding and evolving at unprecedented speed. Wireless connectivity has spread from computers and smartphones to cars, homes and cities, and it's simplifying and improving our way of living.

The rise of "smart" objects and machines powered by machine-to-machine (M2M) technology has been a huge catalyst for the Internet of Things -- a web of connected objects and devices that communicate with one another to make life easier. The automotive industry is leading the way forward with more than 23 million connected cars on the road today and projections for 152 million by 2020.

Connected cars enhance our lives with rich services, including advanced 3D navigation, automatic emergency calling when accidents occur and always-on mobile WiFi. They can automatically exchange information with other smart objects, such as traffic lights, to help reduce road congestion and improve navigation. They can also direct drivers to the nearest open parking spot and turn on the heat and stereo system before arriving home.

The possibilities are exciting and limited only by our ability to securely manage wireless service plans for the long life of vehicles and smart city solutions.

Until recently, updating connected car systems was costly and time-consuming, requiring a visit to a dealership to change electronic components embedded under the dashboard. Consumers will soon be able to securely update wireless features and even add new vehicles or smart home devices to existing mobile service plans via a mobile device app or website visit. The new "on-demand connectivity" solution makes it much easier to adopt new technology or instantly take advantage of special offers without additional service contracts or monthly invoices.

"In an increasingly connected world, it is vital to remove barriers for growth," said Gemalto Vice President Juan Lazcano. "On Demand Connectivity allows people to easily manage their connected devices while helping mobile network operators improve service offerings and customer loyalty. It's a win-win scenario."

The best part is Gemalto's solution adds a layer of data security that ensures personal information is protected when service plan updates are made. This allows all of us to trust in the connected cars and smart cities of the future. For more information, visit www.gemalto.com/iot.

Ref: Cars - in Blogs

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

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Digital Strategies Help Small Businesses Compete

(NewsUSA) - Now more than ever, building relationships is important to small businesses so they can compete in the global marketplace.

The Smart Money Network is a community of digital marketing experts whose mission is to support entrepreneurs as they grow their businesses, especially in the new and increasingly online economy.

Having a partner to navigate the field of digital marketing can help small businesses get the edge they need. The Smart Money Network collaborates with small business clients and coaches them on how to engage a target audience with the right message at the right time, using a combination of digital tools and the power of persuasion.

The Collaboration Starts with A Conversation.

"Conversation is the seed of opportunity," according to the Smart Money Network website. Experts work with small business owners and entrepreneurs to find and build relationships with their target audiences using social media platforms such as LinkedIn, then deploy tried-and-true principles of persuasion that convert to new business opportunities.

Author Robert Cialdini describes six principles of persuasion in his book, "Influence - The Psychology of Persuasion." These principles include the concepts of scarcity (making your product or service seem more desirable), reciprocity (using small favors to entice), likability (pleasantness can go a long way), consensus (word of mouth that others use your product or service), consistency (customers need to feel they can count on what you say you will deliver), and authority (make sure you support your products or services with facts about your experience and credentials).

These principles can be applied in the world of digital marketing, which is becoming increasingly essential in the post-COVID-19 entrepreneurial environment. More people are spending more time online, and learning how to grab the attention of potential clients can help businesses flourish.

Smart Money Network creates intentional done-for-you social media campaigns that position clients as authoritative and credible resources, and drives up to 30 new business opportunities a month.

According to Smart Money Founder and CEO Mike Harris, "You only have about three seconds to capture someone's attention and give them enough information to determine whether you are worth connecting with."

Visit smartmoneynetwork.net to learn more about how to make the digital connections that can boost your business.

Ref: Finance - in Blogs

(NewsUSA) - Now more than ever, building relationships is important to small businesses so they can compete in the global marketplace. The Smart Money Network is a community of digital marketing experts whose mission is to support entrepreneurs as they grow their businesses, especially in the new and increasingly online economy. Having a partner to navigate the field of digital marketing can help small businesses get the edge they need. The Smart Money Network collaborates with small business clients and coaches them on how to engage a target audience with the right message at the right time, using a combination of digital tools and the power of persuasion. The Collaboration Starts with A Conversation. "Conversation is the seed of opportunity," according to the Smart Money Network website. Experts work with small business owners and entrepreneurs to find and build relationships with their target audiences using social media platforms such as LinkedIn, then deploy tried-and-true principles of persuasion that convert to new business opportunities. Author Robert Cialdini describes six principles of persuasion in his book, "Influence - The Psychology of Persuasion." These principles include the concepts of scarcity (making your product or service seem more desirable), reciprocity (using small favors to entice), likability (pleasantness can go a long way), consensus (word of mouth that others use your product or service), consistency (customers need to feel they can count on what you say you will deliver), and authority (make sure you support your products or services with facts about your experience and credentials). These principles can be applied in the world of digital marketing, which is becoming increasingly essential in the post-COVID-19 entrepreneurial environment. More people are spending more time online, and learning how to grab the attention of potential clients can help businesses flourish. Smart Money Network creates intentional done-for-you social media campaigns that position clients as authoritative and credible resources, and drives up to 30 new business opportunities a month. According to Smart Money Founder and CEO Mike Harris, "You only have about three seconds to capture someone's attention and give them enough information to determine whether you are worth connecting with." Visit smartmoneynetwork.net to learn more about how to make the digital connections that can boost your business. Ref: Finance - in Blogs

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Wonderful evening where the lights sing

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Existence

Why do people put pressure on others to be themselves then get mad when they do just that? What's meant by "be yourself" if it's not meant to be something to encourage others to be more genuine rather than pretending to socialize the same ways as everyone else?

Every time I'm told to be myself, I genuinely don't know what's expected of me. Do people want me to fit in with normal behaviors? If that's the meaning, then don't tell me to be myself, because I'm nothing close to normal.

Me being myself is me explaining that I read Atlas Shrugged because of the fact most of the plot revolves around saving train companies from collapsing under the financial ruin of the country, not because of the commentary on Communism being bad, because I already knew that it didn't work, so I didn't need the politics of it.

Me being myself is rambling about how the Marvel Cinematic Universe and the Doctor Who Universe makes sense together because they both have moments of time travel, the Stark Tower from the MCU got reused as UNIT Headquarters in Doctor Who, and they'd all get along if they met because they're fighting to save reality day in and day out. There's more in-depth reasons, but I'll spare the details for now.

Me being myself is me being goofy and nerdy, not fitting in to a social standard that doesn't make sense to me. If I wanted to know if the weather was nice, I wouldn't ask someone who has a different perspective on what nice weather is, as I'm the odd one to prefer rain over sun, I'll just look out a window.

All of that to say I don't understand why people say to just be myself then get upset if I'm too nerdy for them. If you ask for it, don't be surprised and angry that you got it.

Why do people put pressure on others to be themselves then get mad when they do just that? What's meant by "be yourself" if it's not meant to be something to encourage others to be more genuine rather than pretending to socialize the same ways as everyone else? Every time I'm told to be myself, I genuinely don't know what's expected of me. Do people want me to fit in with normal behaviors? If that's the meaning, then don't tell me to be myself, because I'm nothing close to normal. Me being myself is me explaining that I read Atlas Shrugged because of the fact most of the plot revolves around saving train companies from collapsing under the financial ruin of the country, not because of the commentary on Communism being bad, because I already knew that it didn't work, so I didn't need the politics of it. Me being myself is rambling about how the Marvel Cinematic Universe and the Doctor Who Universe makes sense together because they both have moments of time travel, the Stark Tower from the MCU got reused as UNIT Headquarters in Doctor Who, and they'd all get along if they met because they're fighting to save reality day in and day out. There's more in-depth reasons, but I'll spare the details for now. Me being myself is me being goofy and nerdy, not fitting in to a social standard that doesn't make sense to me. If I wanted to know if the weather was nice, I wouldn't ask someone who has a different perspective on what nice weather is, as I'm the odd one to prefer rain over sun, I'll just look out a window. All of that to say I don't understand why people say to just be myself then get upset if I'm too nerdy for them. If you ask for it, don't be surprised and angry that you got it. Category: Discussion - in Blogs Category: Discussion - in Blogs

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Some predators just got it all perfectly

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