(NewsUSA) - Owning a home is a huge investment, and once they've owned long enough to build up equity, many homeowners opt to leverage the equity for other uses. But if you're on the fence about taking on another monthly loan payment, an option that may be right for you is co-investing.<br /> <br /> With a home equity loan, you borrow against the equity in your home and receive a lump sum of money that you have to pay back each month over a specified term - commonly 15 years. The interest rate is usually fixed, but is typically higher than your primary mortgage.<br /> <br /> Co-investing offers an alternative to traditional home equity loans. In a nutshell, the co-investing company pays the homeowner an upfront amount, with no repayments for a set number of years, or until the home is sold, whichever comes first. There may also be an option to buy the company out, after a minimum restriction period passes. This option can be ideal for a homeowner who wants access to cash without the added financial burden of monthly loan payments, who has lived in a home long enough to build up some equity, and plans to stay at least another five years.<br /> <br /> Unison, a San-Francisco-based real estate company, is a leader in the growing field of co-investment. Unison offers homeowners a cash payment of up to 17.5 percent of their home's current market value. When the house is sold or 30 years pass, the owner pays Unison an amount equal to the initial co-investment, plus (or minus) a percentage of the home's appreciated (or depreciated) value.<br /> <br /> Here's an example: A homeowner whose home is currently worth $500,000 and who needed $25,000 in cash (5 percent of the home's value) would repay an amount equal to $25,000 plus 25 percent* of the amount the house appreciates in value during the time of the co-investment. With a larger co-investment, the company receives a larger share of the appreciation in value.<br /> <br /> Homeowners can use their cash for anything, but Unison recommends something of long-term value, such as kids' college tuition, medical expenses, home remodeling, or investing in diverse stocks and bonds.<br /> <br /> Other benefits of co-investing: Keeping gains from remodeling work and keeping the equity built from prompt mortgage payments.<br /> <br /> Being a good candidate for homeowner co-investing is not so different from being a good homeowner generally. Unison requires that homeowners keep the home as their primary residence; stay current on payments for mortgages, property tax, and homeowners' insurance; keep the home well-maintained to retain and increase value; and keep Unison informed of issues, such as remodeling plans or emergencies, such as natural disasters, bankruptcy, or plans to sell the home.<br /> <br /> To find out how Unison can help you get the most out of homeownership, visit unison.com.<br /> <br /> *This is a possible percentage for illustrative purposes. The actual percentage varies based on the specific HomeOwner transaction.<br /> <br /> Ref: Housework - in Blogs

(NewsUSA) - As warm weather approaches, so does wedding season, and family-focused entertainment network UP TV heads down the aisle with a pair of new, unscripted series set to debut this summer.<br /> <br /> The series, "Our Wedding Story," takes viewers inside the relationships between the brides and grooms. With exceptional and cinematic storytelling, viewers will get to live each couple's love story - from the moment they met to the walk down the aisle.<br /> <br /> In "Crazy Beautiful Weddings," viewers go behind the scenes with busy wedding planner Lynzie Kent. Wedding planning is an art and a science, and Ms. Kent brings her style and people skills as she navigates diverse tastes, the couples' visions and various venues, to create one-of-a-kind celebrations for her clients that will make the big day something to remember.<br /> <br /> "On UP, our viewers have seen the families in our beloved series exploring new relationships, planning weddings and having kids," Amy Winter, executive vice present and general manager of UP TV, says in a statement announcing the shows.<br /> <br /> "By greenlighting new series that focus on those specific life moments, we invite our audience to experience all of the joy and excitement that many different couples are going through as they share their personal journeys of life's biggest moments," she says.<br /> <br /> The pair of wedding programs complement new episodes of two existing shows that highlight another one of life's biggest moments - the journey to parenthood.<br /> <br /> This spring, UP premieres new episodes of its groundbreaking series, "Expecting," which follows expectant parents as they prepare for a new addition to the family. With no producers or camera crews, it is the first show that asks couples to turn the lens on themselves, to give the audience a peek into one of life's most exciting and personal journeys - welcoming a child.<br /> <br /> Also premiering in April is "One Born Every Minute." The series takes viewers inside a hospital maternity unit to experience the joy, excitement and drama as babies are delivered.<br /> <br /> UP is available on DIRECTV, DISH, Verizon Fios, AT&T U-verse, Xfinity and local cable. For more information about the family-friendly programming and where you can find the channel, go to UPtv.com.<br /> <br /> Ref: Art - in Blogs

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(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!<br /> <br /> 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. <br /> <br /> Set your price limit.<br /> <br /> 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. <br /> <br /> Learn the "4 C's" of diamonds.<br /> <br /> These are: cut, color, clarity, and carat. Here's the translation: <br /> <br /> Cut: The cut of a diamond is the most important factor in determining its fire, brilliance, and sparkle.<br /> <br /> Color: Not all diamonds are clear; some have varying tints of yellow.<br /> <br /> Clarity: A measure of the number of flaws or inclusions in the stone.<br /> <br /> Carat: A measure of the weight of the diamond. However, more weight also indicates a bigger size. <br /> <br /> Consider shape.<br /> <br /> The common diamond shapes used in engagement rings are round, cushion, pear, oval, princess, radiant, and emerald.<br /> <br /> 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. <br /> <br /> Choose a setting.<br /> <br /> 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.<br /> <br /> 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.<br /> <br /> 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. <br /> <br /> Contemplate your center stone.<br /> <br /> 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.<br /> <br /> In regards to diamonds, there are two types to choose from: mined diamonds and lab-created diamonds.<br /> <br /> 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.<br /> <br /> 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.<br /> <br /> Ref: Dating - in Blogs

(NewsUSA) - Nurses remain an essential and trusted part of the health care system, and the nation faces an urgent need for nurses due to the COVID-19 outbreak.<br /> <br /> The World Health Organization is also celebrating the value of nursing by designating 2020 as the International Year of the Nurse and the Midwife. In addition, 2020 is the 200th anniversary of the birth of Florence Nightingale, the 19th- century social reformer known as the founder of modern nursing.<br /> <br /> The demand for nurses, and therefore for nurse educators, is likely to remain high, according to the National League for Nursing (NLN), as nurse educators are on the front lines teaching new nurses who are filling the shortages in hospitals and other health care settings.<br /> <br /> Nurse educators will likely continue to be well paid. Data from the Bureau of Labor Statistics estimate the median salary for nurse educators at $73,490. They may work in academic settings, but some expand their focus to teaching in schools, businesses, hospitals, and community agencies.<br /> <br /> The NLN shares some key advantages to becoming a nurse educator:<br /> <br /> - Intellectual stimulation. Nurse educators know the latest research in the field, and have the ability to share it with others.<br /> <br /> - Flexibility. Nurse education allows for more autonomy and a flexible schedule. Not to mention that technology allows educators to teach from anywhere in the world, at any time, from the beach to the ski slopes.<br /> <br /> - Research. Nurse educators have opportunities for research and publication in scholarly journals to advance the field of nursing and their own careers.<br /> <br /> - Meaning. The desire for a purpose-driven life steers many people to the nurse education field, where they can make a significant difference in a variety of ways.<br /> <br /> - Fulfillment. Nurse educators rejoice in encouraging young students, and take pride in their accomplishments.<br /> <br /> - Impact. Nurse educators, by shaping and developing the next generation of nurses and by working in their communities, will continue to impact the shape of healthcare for future generations.<br /> <br /> - Inspiration. Everyone remembers the teacher or teachers who made a difference for them by giving them that extra encouragement, or helping them explore paths they might not have seen.<br /> <br /> But quite possibly the number- one reason to become a nurse educator, according to the NLN, is the unique chance to "teach what you love."<br /> <br /> Many career tracks exist for potential nurse educators. Teaching requires at least a master's degree in either education or nursing, but these degrees may be earned through a traditional college setting or through the variety of fully accredited programs now available online.<br /> <br /> For more information about careers in nursing education, visit NLN.org.<br /> <br /> Ref: Health - in Blogs

Travelers who are seeking serenity as part of their quintessential Caribbean luxury resort experience will find their perfect getaway at Calabash Cove.<br /><br />With a secluded beachfront location on the northwest (or Caribbean) side of the coast of the island of St. Lucia, Calabash Cove offers privacy and luxury for adults only.<br /><br />The Calabash Cove guest list includes singles and couples, some honeymooners, some celebrating an anniversary or other special event, and others looking for a simple but elegant getaway with some personal space and well-prepared meals. Visitors come from the United States, Canada, Europe, and around the world.<br /><br />The resort and spa is a full-service resort: the optional Unconditional All-Inclusive package covers all food and drinks including room service, daily specials, an in-room bar, lobster when in season, and more than 20 wines by the bottle from the resort's extensive wine list. Tips and Wi-Fi are included as well.<br /><br />Part of the resort's appeal is its promise of intimacy - only 26 suites, all with a king bed, Jacuzzi, double vanity, rain shower, private balcony or patio, ocean view and cable TV. The resort is built along a sloping hill and was designed to complement and harmonize with the natural surroundings and offer guests full benefit of ocean breezes and sunset views.<br /><br />The property includes a private beach with nearby coral reef, as well as tropical gardens and groves of trees to set the scene for reflection and relaxation.<span style='display:none' class='DO NOT REMOVE - THIS CATEGORY CODE WILL BE HIDDEN - IT IS NEEDED TO BE FOUND BY CATEGORY AND ONE-CLICK SEARCH'>Category: Saint Lucia - in Countries</span>

(NewsUSA) - Americans may read thrillers and watch adventure movies, but their days aren't exactly fueled by pure adrenaline. They work, drive the kids to soccer practice, eat dinner, watch HBO -- but those with a handheld GPS can satisfy their thirst for adventure through modern day treasure hunts, or geocaching.<br /> <br /> Geocaching is a global treasure-hunting game. Someone hides an item, uses a GPS to determine its coordinates, and then posts the information online. Geocache-seekers then use their own GPS units to track down the geocache, usually a box or a small item and a logbook.<br /> <br /> The game sounds deceptively simple. While geocachers know the items' coordinates, reaching them might require a workout -- some locations require hiking and climbing, for example. Also, GPS units only take geocachers within 10 to 15 feet of the geocache, which is hidden to avoid accidental discovery by "Muggles" -; those uninitiated in the ways of geocaching.<br /> <br /> Geocaching.com, the largest Web site for geocachers to announce new geocaches and log their successes, lists over 1,000,000 geocaches in over 200 countries.<br /> <br /> The game has become so popular that GPS manufacturers are starting to design handheld GPS units specifically for geocaching. For example, the Magellan eXplorist GC (www.magellangps.com) includes a seamless connection to geocaching.com, a sunlight-readable color screen and a simple user interface to make geocaching a breeze. The unit is waterproof and comes pre-loaded with the coordinates of the most popular geocaches in the world. The GPS chipset promises 3-meter accuracy.<br /> <br /> Of course, the eXplorist GC also comes with standard outdoor features, including waypoint creation, a worldwide basemap, active tracking and a trip odometer.<br /> <br /> When geocachers find a geocache, they write their name in the logbook or exchange one of the items in the cache for one of equal value. Then they put the cache back in its original location, so other treasure-seekers can enjoy the thrill of the chase and, perhaps, discover a place previously unknown to them.<br /> <br /> For more information about the eXplorist GC, visit www.magellangps.com/eXploristGC/.<br /> <br /> Ref: Hiking - in Blogs

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