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- Thurman WilliamsonThurman_Williamson - posted recentlyI want to collaborate!I want to collaborate!
Millie Zemlak Millie_Zemlak
(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.
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.
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.
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.
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.
Of course, the eXplorist GC also comes with standard outdoor features, including waypoint creation, a worldwide basemap, active tracking and a trip odometer.
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.
For more information about the eXplorist GC, visit www.magellangps.com/eXploristGC/.
Ref: Hiking - in Blogs
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.
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.
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.
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.
Of course, the eXplorist GC also comes with standard outdoor features, including waypoint creation, a worldwide basemap, active tracking and a trip odometer.
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.
For more information about the eXplorist GC, visit www.magellangps.com/eXploristGC/.
Ref: Hiking - in Blogs
(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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Millie Zemlak Millie_Zemlak
(NewsUSA) - The days of using a stick, some string and a worm are as much a part of American culture as apple pie and baseball. Unlike that time, there are now many choices for anglers this spring, depending on where you'll be fishing.
In fact, selecting your gear is half the fun. But for starters, set aside the rods, reels, rigs, jigs and tackle, it's also just as important to remember these items that are often overlooked:
* Use sunscreen. You only have to suffer from sun poisoning one time to understand the relationship between sun and water. While the water may be cold and temperatures out-side chilly, sun reflecting off the water will still give you a burn. A sweat proof sunscreen that won't run and sting the eyes is ideal, as is one that won't leave a greasy residue that could adversely affect your grip.
* Wear a base layer. A thin T-shirt is a must as a base layer, better if it is made of fabric that wicks away moisture. There are even some that are made to be water repellent and stain resistant with anti-odor properties for those in warmer climes. Since this is the layer that is in direct contact with your skin, you want something that will allow moisture to escape as you sweat.
* Find the right pants. Spring days on the water are usually an all-day event, and call for versatility in your clothing. To that point, pants that convert to shorts are ideal. Like shirts, pants should be stain-resistant. Additionally, the pants should have plenty of pockets (with zippers) to carry anything extra. If you don't have access to a boat or dock, extend your fishing range with a good pair of fishing waders.
* Cover your head. Hats with a hard-hat liner will keep your neck, ears and head warm in cold weather. For warmer climates, a wide-brimmed hat will guard against sunburn, overheating and overexposure.
* Bring the extras. This could include a life vest, cooler or, if you happen to be a smokeless tobacco user, a portable spittoon like those offered by Flasr. The Atlanta-based company prides itself on creating the first-of-its-kind portable spittoon that is small enough to fit in your pocket and carry along wherever you go -- whether it's fishing on a lake or hunting in a blind. Its advanced closing mechanism ensures that it stays securely closed, eliminating the risk of spills and leaks.
For more information, visit www.flasr.com; Market listing: FLASR (OTCQB: FLSR).
Ref: Fishing - in Blogs
In fact, selecting your gear is half the fun. But for starters, set aside the rods, reels, rigs, jigs and tackle, it's also just as important to remember these items that are often overlooked:
* Use sunscreen. You only have to suffer from sun poisoning one time to understand the relationship between sun and water. While the water may be cold and temperatures out-side chilly, sun reflecting off the water will still give you a burn. A sweat proof sunscreen that won't run and sting the eyes is ideal, as is one that won't leave a greasy residue that could adversely affect your grip.
* Wear a base layer. A thin T-shirt is a must as a base layer, better if it is made of fabric that wicks away moisture. There are even some that are made to be water repellent and stain resistant with anti-odor properties for those in warmer climes. Since this is the layer that is in direct contact with your skin, you want something that will allow moisture to escape as you sweat.
* Find the right pants. Spring days on the water are usually an all-day event, and call for versatility in your clothing. To that point, pants that convert to shorts are ideal. Like shirts, pants should be stain-resistant. Additionally, the pants should have plenty of pockets (with zippers) to carry anything extra. If you don't have access to a boat or dock, extend your fishing range with a good pair of fishing waders.
* Cover your head. Hats with a hard-hat liner will keep your neck, ears and head warm in cold weather. For warmer climates, a wide-brimmed hat will guard against sunburn, overheating and overexposure.
* Bring the extras. This could include a life vest, cooler or, if you happen to be a smokeless tobacco user, a portable spittoon like those offered by Flasr. The Atlanta-based company prides itself on creating the first-of-its-kind portable spittoon that is small enough to fit in your pocket and carry along wherever you go -- whether it's fishing on a lake or hunting in a blind. Its advanced closing mechanism ensures that it stays securely closed, eliminating the risk of spills and leaks.
For more information, visit www.flasr.com; Market listing: FLASR (OTCQB: FLSR).
Ref: Fishing - in Blogs
(NewsUSA) - The days of using a stick, some string and a worm are as much a part of American culture as apple pie and baseball. Unlike that time, there are now many choices for anglers this spring, depending on where you'll be fishing.<br />
<br />
In fact, selecting your gear is half the fun. But for starters, set aside the rods, reels, rigs, jigs and tackle, it's also just as important to remember these items that are often overlooked:<br />
<br />
* Use sunscreen. You only have to suffer from sun poisoning one time to understand the relationship between sun and water. While the water may be cold and temperatures out-side chilly, sun reflecting off the water will still give you a burn. A sweat proof sunscreen that won't run and sting the eyes is ideal, as is one that won't leave a greasy residue that could adversely affect your grip.<br />
<br />
* Wear a base layer. A thin T-shirt is a must as a base layer, better if it is made of fabric that wicks away moisture. There are even some that are made to be water repellent and stain resistant with anti-odor properties for those in warmer climes. Since this is the layer that is in direct contact with your skin, you want something that will allow moisture to escape as you sweat.<br />
<br />
* Find the right pants. Spring days on the water are usually an all-day event, and call for versatility in your clothing. To that point, pants that convert to shorts are ideal. Like shirts, pants should be stain-resistant. Additionally, the pants should have plenty of pockets (with zippers) to carry anything extra. If you don't have access to a boat or dock, extend your fishing range with a good pair of fishing waders.<br />
<br />
* Cover your head. Hats with a hard-hat liner will keep your neck, ears and head warm in cold weather. For warmer climates, a wide-brimmed hat will guard against sunburn, overheating and overexposure.<br />
<br />
* Bring the extras. This could include a life vest, cooler or, if you happen to be a smokeless tobacco user, a portable spittoon like those offered by Flasr. The Atlanta-based company prides itself on creating the first-of-its-kind portable spittoon that is small enough to fit in your pocket and carry along wherever you go -- whether it's fishing on a lake or hunting in a blind. Its advanced closing mechanism ensures that it stays securely closed, eliminating the risk of spills and leaks.<br />
<br />
For more information, visit www.flasr.com; Market listing: FLASR (OTCQB: FLSR).<br />
<br />
Ref: Fishing - in Blogs
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Millie Zemlak Millie_Zemlak
(NewsUSA) - Most Americans don't have $400 saved to cover for an unexpected emergency, but a recent poll from Chase found that consumers may be ready to change that this year. 80 percent plan to save more and 51 percent say emergency savings is their goal.
Savings is key to financial health and Chase Financial Education Ambassador Farnoosh Torabi has tips and advice on how to get started and make savings a habit. (watch video)
According to Torabi, increasing savings is key to stability and gives people the ability to quickly recover when there are ups and downs.
Chase is focused on helping encourage the habit of savings and support people by providing information and resources that can help customers on their savings journey.
Take a first step by understanding your expenses and building a budget. Budget Builder is a great tool from Chase to help you monitor your monthly spending and saving.
Once you have this baseline, the key to reaching your goals is to just start saving, even if you're starting small. "My advice is to automate," says Torabi. "There is a great feature through the Chase App called Autosave which allows you to decide on your own how much you want to save and how frequently you want to save, so you can feel in control of this. The good news is the technology does the savings for you." With this feature, you can save as little as $1 a day.
While consistency is key, savings is about what works for you. In a month when you have extra cash, you can always accelerate your savings, but in a tighter month, it's all right to take a pause or draw from your savings to cover an unexpected expense.
Check out chase.com/autosave for more information and tips on how to make savings work for you.
Ref: Crowdfunding - in Blogs
Savings is key to financial health and Chase Financial Education Ambassador Farnoosh Torabi has tips and advice on how to get started and make savings a habit. (watch video)
According to Torabi, increasing savings is key to stability and gives people the ability to quickly recover when there are ups and downs.
Chase is focused on helping encourage the habit of savings and support people by providing information and resources that can help customers on their savings journey.
Take a first step by understanding your expenses and building a budget. Budget Builder is a great tool from Chase to help you monitor your monthly spending and saving.
Once you have this baseline, the key to reaching your goals is to just start saving, even if you're starting small. "My advice is to automate," says Torabi. "There is a great feature through the Chase App called Autosave which allows you to decide on your own how much you want to save and how frequently you want to save, so you can feel in control of this. The good news is the technology does the savings for you." With this feature, you can save as little as $1 a day.
While consistency is key, savings is about what works for you. In a month when you have extra cash, you can always accelerate your savings, but in a tighter month, it's all right to take a pause or draw from your savings to cover an unexpected expense.
Check out chase.com/autosave for more information and tips on how to make savings work for you.
Ref: Crowdfunding - in Blogs
(NewsUSA) - Most Americans don't have $400 saved to cover for an unexpected emergency, but a recent poll from Chase found that consumers may be ready to change that this year. 80 percent plan to save more and 51 percent say emergency savings is their goal.<br />
<br />
Savings is key to financial health and Chase Financial Education Ambassador Farnoosh Torabi has tips and advice on how to get started and make savings a habit. (watch video)<br />
<br />
According to Torabi, increasing savings is key to stability and gives people the ability to quickly recover when there are ups and downs.<br />
<br />
Chase is focused on helping encourage the habit of savings and support people by providing information and resources that can help customers on their savings journey.<br />
<br />
Take a first step by understanding your expenses and building a budget. Budget Builder is a great tool from Chase to help you monitor your monthly spending and saving.<br />
<br />
Once you have this baseline, the key to reaching your goals is to just start saving, even if you're starting small. "My advice is to automate," says Torabi. "There is a great feature through the Chase App called Autosave which allows you to decide on your own how much you want to save and how frequently you want to save, so you can feel in control of this. The good news is the technology does the savings for you." With this feature, you can save as little as $1 a day.<br />
<br />
While consistency is key, savings is about what works for you. In a month when you have extra cash, you can always accelerate your savings, but in a tighter month, it's all right to take a pause or draw from your savings to cover an unexpected expense.<br />
<br />
Check out chase.com/autosave for more information and tips on how to make savings work for you.<br />
<br />
Ref: Crowdfunding - in Blogs
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Millie Zemlak Millie_Zemlak
(NewsUSA) - The Bible is one of the most studied texts in existence, but a new book reveals a previously unrecognized encrypted message in the Old Testament that foresees the birth, crucifixion, and resurrection of Jesus.
In the book, The Chamberlain Key: Unlocking the God Code to Reveal Divine Messages Hidden in the Bible, author Timothy Smith describes how he discovered the message by cracking a code in Genesis 30:20-24 in the oldest form of the Hebrew Old Testament.
Smith, an appraiser and restorer of fine art and antiquities, was researching his family history and became intrigued by the Torah after learning that his matriarchal ancestors were in fact Sephardic Jews, and early Christians of Jewish decent. He said in a statement that he was drawn to the specific passages in Genesis because of parallels between descriptions of the family of Jacob, known as the father of the House of Israel, and his own family.
Smith assessed the passages using an equidistant letter skip decryption method inspired by the Hebrew spelling of his name (the nine-letter Timotheus). He discovered not only his own name, but also biographical information that reflected other members of his family
As he reviewed the passage in Genesis using the code, Smith found details about the birth, crucifixion, and resurrection of Jesus. He also identified references to religious images, including the Rocio Madonna, clues to the location of the contents of the Ark of the Covenant, and warnings of the spread of anti-Semitism, hate, and violence.
Smith's research methods and conclusions have been reviewed by experts, including Dr. Robert Jahn, dean emeritus of engineering at Princeton University, and Dr. Eugene Ulrich, chief editor of the Biblical Dead Sea Scrolls and professor of Hebrew Scripture and Theology at University of Notre Dame.
"Never before have so many high-level language and scientific experts agreed that the encrypted structures we have detected in this section of the Hebrew text, and the other structures logically predicted from this key code, are a very deliberate attempt by the Author of the pre-Christian text to make 'contact.' No other published 'Bible code' discoveries impress us in this way," Smith says.
The Chamberlain Key takes readers through Smith's journey of discovery, including his personal account of the spiritual experiences that inspired him to pursue his research into the Torah.
In addition, a history documentary series about the book and Smith's story are in production and scheduled to air within the year.
For more information, visit http://chamberlainkey.com.
Ref: God - in Blogs
In the book, The Chamberlain Key: Unlocking the God Code to Reveal Divine Messages Hidden in the Bible, author Timothy Smith describes how he discovered the message by cracking a code in Genesis 30:20-24 in the oldest form of the Hebrew Old Testament.
Smith, an appraiser and restorer of fine art and antiquities, was researching his family history and became intrigued by the Torah after learning that his matriarchal ancestors were in fact Sephardic Jews, and early Christians of Jewish decent. He said in a statement that he was drawn to the specific passages in Genesis because of parallels between descriptions of the family of Jacob, known as the father of the House of Israel, and his own family.
Smith assessed the passages using an equidistant letter skip decryption method inspired by the Hebrew spelling of his name (the nine-letter Timotheus). He discovered not only his own name, but also biographical information that reflected other members of his family
As he reviewed the passage in Genesis using the code, Smith found details about the birth, crucifixion, and resurrection of Jesus. He also identified references to religious images, including the Rocio Madonna, clues to the location of the contents of the Ark of the Covenant, and warnings of the spread of anti-Semitism, hate, and violence.
Smith's research methods and conclusions have been reviewed by experts, including Dr. Robert Jahn, dean emeritus of engineering at Princeton University, and Dr. Eugene Ulrich, chief editor of the Biblical Dead Sea Scrolls and professor of Hebrew Scripture and Theology at University of Notre Dame.
"Never before have so many high-level language and scientific experts agreed that the encrypted structures we have detected in this section of the Hebrew text, and the other structures logically predicted from this key code, are a very deliberate attempt by the Author of the pre-Christian text to make 'contact.' No other published 'Bible code' discoveries impress us in this way," Smith says.
The Chamberlain Key takes readers through Smith's journey of discovery, including his personal account of the spiritual experiences that inspired him to pursue his research into the Torah.
In addition, a history documentary series about the book and Smith's story are in production and scheduled to air within the year.
For more information, visit http://chamberlainkey.com.
Ref: God - in Blogs
(NewsUSA) - The Bible is one of the most studied texts in existence, but a new book reveals a previously unrecognized encrypted message in the Old Testament that foresees the birth, crucifixion, and resurrection of Jesus.<br />
<br />
In the book, The Chamberlain Key: Unlocking the God Code to Reveal Divine Messages Hidden in the Bible, author Timothy Smith describes how he discovered the message by cracking a code in Genesis 30:20-24 in the oldest form of the Hebrew Old Testament.<br />
<br />
Smith, an appraiser and restorer of fine art and antiquities, was researching his family history and became intrigued by the Torah after learning that his matriarchal ancestors were in fact Sephardic Jews, and early Christians of Jewish decent. He said in a statement that he was drawn to the specific passages in Genesis because of parallels between descriptions of the family of Jacob, known as the father of the House of Israel, and his own family.<br />
<br />
Smith assessed the passages using an equidistant letter skip decryption method inspired by the Hebrew spelling of his name (the nine-letter Timotheus). He discovered not only his own name, but also biographical information that reflected other members of his family<br />
<br />
As he reviewed the passage in Genesis using the code, Smith found details about the birth, crucifixion, and resurrection of Jesus. He also identified references to religious images, including the Rocio Madonna, clues to the location of the contents of the Ark of the Covenant, and warnings of the spread of anti-Semitism, hate, and violence.<br />
<br />
Smith's research methods and conclusions have been reviewed by experts, including Dr. Robert Jahn, dean emeritus of engineering at Princeton University, and Dr. Eugene Ulrich, chief editor of the Biblical Dead Sea Scrolls and professor of Hebrew Scripture and Theology at University of Notre Dame.<br />
<br />
"Never before have so many high-level language and scientific experts agreed that the encrypted structures we have detected in this section of the Hebrew text, and the other structures logically predicted from this key code, are a very deliberate attempt by the Author of the pre-Christian text to make 'contact.' No other published 'Bible code' discoveries impress us in this way," Smith says.<br />
<br />
The Chamberlain Key takes readers through Smith's journey of discovery, including his personal account of the spiritual experiences that inspired him to pursue his research into the Torah.<br />
<br />
In addition, a history documentary series about the book and Smith's story are in production and scheduled to air within the year.<br />
<br />
For more information, visit <a target='_blank' href="http://chamberlainkey.com.">http://chamberlainkey.com.</a> <br />
<br />
Ref: God - in Blogs
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Millie Zemlak Millie_Zemlak
(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
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.<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
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Jason Wilson jason
Category: Photography - in Art
Category: Photography - in Art
<br />
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<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: Photography - in Art</span><br />
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<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: Photography - in Art</span>
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Millie Zemlak Millie_Zemlak
(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
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.<br />
<br />
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.<br />
<br />
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.<br />
<br />
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.<br />
<br />
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.<br />
<br />
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.<br />
<br />
Visit aeropress.com for more information about how to enjoy cold brew (or hot) coffee with ease in the comfort of your home.<br />
<br />
Ref: Drinks - in Blogs
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Epickaiju Epickaiju
Welcome to Epickaiju, the best pub in town for an amazing dessert, in an awesome evening. Come to see us, and bring your friends with you, and you will be extremely delighted. We guaranty it at 100 percent!
What we need
We're looking for influencers to increase our customer base. We need you to post invitations to invite followers to visit our dessert pub via a 15 second video or permanent story. We'll send you $500.00, or 50,000 gift-points once the post is done. If you're interested, simply say you're Interested in a comment below this post.
CONDITIONS
Audience
United-States, UK, Australia
Language
English
Channels
Lifestyle, Fashion, Beauty, Travel
Minimum Followers
1000
Age Group
18-65
Genders
Any
Post Type
15 Second Video or Story With Images
Pay Per Post Amount in Money
$500.00
Pay Per Post in Points. 100 Points = $1.00
50,000
Commission Per Sale
$0
Item Shipped For Review
None
Must Create a New Creative From Scratch
Yes
Must Use The Images And Video Supplied
No
Must Follow Some Specific Guidelines
No
Must Avoid Saying or Showing Specific Things
No
Content Must Be Approved Before Posting
No
Delivery Delay in Days
5 Business day
Delivery Exact Date
None
Our Website URL
Epickaiju
Category: Influencer Marketing Offers - in Marketing
What we need
We're looking for influencers to increase our customer base. We need you to post invitations to invite followers to visit our dessert pub via a 15 second video or permanent story. We'll send you $500.00, or 50,000 gift-points once the post is done. If you're interested, simply say you're Interested in a comment below this post.
CONDITIONS
Audience
United-States, UK, Australia
Language
English
Channels
Lifestyle, Fashion, Beauty, Travel
Minimum Followers
1000
Age Group
18-65
Genders
Any
Post Type
15 Second Video or Story With Images
Pay Per Post Amount in Money
$500.00
Pay Per Post in Points. 100 Points = $1.00
50,000
Commission Per Sale
$0
Item Shipped For Review
None
Must Create a New Creative From Scratch
Yes
Must Use The Images And Video Supplied
No
Must Follow Some Specific Guidelines
No
Must Avoid Saying or Showing Specific Things
No
Content Must Be Approved Before Posting
No
Delivery Delay in Days
5 Business day
Delivery Exact Date
None
Our Website URL
Epickaiju
Category: Influencer Marketing Offers - in Marketing
Welcome to Epickaiju, the best pub in town for an amazing dessert, in an awesome evening. Come to see us, and bring your friends with you, and you will be extremely delighted. We guaranty it at 100 percent! <br />
<br />
What we need<br />
<br />
We're looking for influencers to increase our customer base. We need you to post invitations to invite followers to visit our dessert pub via a 15 second video or permanent story. We'll send you $500.00, or 50,000 gift-points once the post is done. If you're interested, simply say you're Interested in a comment below this post.<br />
<br />
CONDITIONS<br />
<br />
Audience<br />
United-States, UK, Australia<br />
<br />
Language<br />
English<br />
<br />
Channels<br />
Lifestyle, Fashion, Beauty, Travel<br />
<br />
Minimum Followers<br />
1000<br />
<br />
Age Group<br />
18-65<br />
<br />
Genders<br />
Any<br />
<br />
Post Type<br />
15 Second Video or Story With Images<br />
<br />
Pay Per Post Amount in Money<br />
$500.00<br />
<br />
Pay Per Post in Points. 100 Points = $1.00<br />
50,000<br />
<br />
Commission Per Sale<br />
$0<br />
<br />
Item Shipped For Review<br />
None<br />
<br />
Must Create a New Creative From Scratch<br />
Yes<br />
<br />
Must Use The Images And Video Supplied<br />
No<br />
<br />
Must Follow Some Specific Guidelines<br />
No<br />
<br />
Must Avoid Saying or Showing Specific Things<br />
No<br />
<br />
Content Must Be Approved Before Posting<br />
No<br />
<br />
Delivery Delay in Days<br />
5 Business day<br />
<br />
Delivery Exact Date<br />
None<br />
<br />
Our Website URL<br />
<a onclick="$('#phonebook-category-no-city').val($(this).text());" class="coolinks btn-scroll hashword" href="https://stallios.com/Epickaiju">Epickaiju</a><br />
<br />
<br />
<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: Influencer Marketing Offers - in Marketing</span>
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