🏕️The outdoors are calling you in!  Finca Viernes&nbsp;is a glamping site in Utuado, Puerto Rico, offering luxurious tent accommodations with amenities like barbecue areas and hammocks.&nbsp;Situated&nbsp;in a naturally beautiful area near historical sites, it provides a serene escape for guests seeking comfort amidst nature.&nbsp;Reservations&nbsp;can be made through various platforms, including Rent By Owner, with contact information provided for inquiries. The site boasts stunning views of the central mountains and Caonillas Lake.&nbsp;It caters to a maximum of two guests per tent with a minimum one-night stay. Finca Viernes is a glamping site located in Utuado, Puerto Rico, offering a unique blend of luxury and nature in the island's central mountain region. Guests can enjoy spectacular views of the central mountains and Caonillas Lake, providing a serene escape from urban life Accommodations: The site features well-appointed tents equipped with comfortable beds, terraces for barbecuing, and access to shared bathrooms, one of which offers hot running water. The open field setting enhances the glamping experience, allowing guests to immerse themselves in nature without sacrificing comfort. Amenities: Finca Viernes provides amenities such as barbecue areas, campfires, and hammocks strategically placed around the property for relaxation. The site aims to offer visitors a complete escape from city life, promoting relaxation in the heart of Puerto Rico. Location: Situated in Utuado, a town renowned for its rich history and natural beauty, Finca Viernes serves as an excellent base for exploring local attractions. Nearby points of interest include the Caguana Ceremonial Ball Courts Site, one of the most important Pre-Columbian sites in the Caribbean, and the Tanamá River, known for its adventure opportunities. Booking Information: Prospective guests can make reservations through various platforms, including Rent By Owner, which lists Glamping Finca Viernes I as a 1-bedroom, 1-bathroom campsite with a maximum occupancy of two persons and a minimum stay of one night.  Contact Information: For inquiries about getting a site for glamping, please contact Real Estate Broker Walter Rivera Santos, Lic. C-24587, at:  Email:  Phone/WhatsApp: 1-787-223-2817  Finca Viernes location, phone and email:       Barrio Sabana grande, Carretera 610, Km 0.1, Utuado, Puerto Rico 00641                +1 939-273-3618      Mobile                      fincaviernes@gmail.com    &nbsp;               Websites and social links                 Website                  Website                               Instagram

🏕️ Finca Viernes Glamping: Utuado, Puerto Rico

Understanding Conforming and Non-Conforming Loans in Puerto Rico Exploring the nuances of mortgage options is crucial for prospective homeowners, especially in unique markets like Puerto Rico. This guide delves into the distinctions between conforming and non-conforming loans, providing insights to help you make informed decisions on your path to homeownership. Conforming Loans Conforming loans adhere to the standards set by government-sponsored enterprises (GSEs) such as Fannie Mae and Freddie Mac. These standards encompass loan amount limits, borrower creditworthiness, and debt-to-income ratios.   Loan Limits: The Federal Housing Finance Agency (FHFA) sets annual limits. For 2025, the baseline limit for a one-unit property is $806,500. Interest Rates: Generally lower due to reduced risk, as these loans are eligible for purchase by GSEs. Private Mortgage Insurance (PMI): Required for down payments less than 20%, but can be canceled once 20% equity is achieved.  Non-Conforming Loans Non-conforming loans do not meet GSE guidelines and include jumbo loans, government-backed loans (FHA, VA, USDA), and others with unique terms.   Loan Amounts: Exceed conforming loan limits; jumbo loans are a common example. Credit Requirements: May accommodate borrowers with lower credit scores or higher debt-to-income ratios. Property Types: Include unique or non-standard properties not eligible for conforming loans.  Mortgage Landscape in Puerto Rico Puerto Rico's mortgage market offers both conforming and non-conforming loan options, with specific considerations:   Conforming Loan Limits: As of 2025, the conforming loan limit for a single-family home in Puerto Rico is $806,500. Non-Conforming Loan Programs: Institutions like Sun West Mortgage Company have introduced conventional non-conforming loan programs in Puerto Rico, expanding financing options for borrowers. Local Lenders: Banks such as Banco Popular de Puerto Rico offer a variety of mortgage loans tailored to meet the needs of borrowers, including both conforming and non-conforming options.  Conclusion Understanding the distinctions between conforming and non-conforming loans is essential for selecting the mortgage that best aligns with your financial situation and homeownership goals. In Puerto Rico, a variety of options are available to suit diverse needs. Consulting with a qualified mortgage professional can provide personalized guidance tailored to your circumstances. 🏠 Puerto Rico Real Estate Financing Guide  Walter Rivera Santos, a Puerto Rican real estate broker, provides a guide to understanding mortgage loans—both conforming and non-conforming—for those seeking to buy property in Puerto Rico. His website, BrainThemePark.com, offers further information and resources. The guide aims to simplify the process of purchasing property on the island. A video is also recommended for a more thorough exploration of available mortgage options. The overall goal is to assist prospective homeowners in navigating the intricacies of Puerto Rican real estate.  &nbsp;

Understanding Conforming and Non- Conforming Loans in Puerto Rico

Visions

Puerto Rico: The Power of Laughter Celebration Hello, and welcome to a very special celebration of joy, connection, and—most importantly—laughter. Today, we’re diving into something we all need more of in our lives: laughter. And what better day to celebrate it than Belly Laugh Day, observed every January 24th? Whether you’re already giggling or just curious about what this day is all about, I promise you’re in for a treat. Laughter is universal. It transcends cultures, languages, and even generations. It’s the kind of magic that unites people in joy, lifts spirits, and transforms ordinary moments into unforgettable memories. Laughter is so much more than a response to something funny—it’s a powerful force of nature that benefits the mind, body, and soul. Today, we’ll explore why laughter is so important, how to make the most of Belly Laugh Day, and why this celebration deserves a big, hearty spotlight in your life. So, get ready to smile, chuckle, and maybe even laugh until your sides hurt. Let’s celebrate the power of laughter together.  Laugh Out Loud: Start a Laughter Chain Reaction Have you ever noticed how one laugh can trigger another? It’s like a ripple effect in a pond. A single laugh has the power to set off an entire chain reaction of joy. Think about the last time you were in a room where everyone started laughing—it didn’t matter what started it. By the end, everyone was smiling, giggling, or even wiping tears of laughter from their eyes. That’s the beauty of laughter—it’s contagious, and that’s a great thing! Scientists have studied this phenomenon and discovered that laughter isn’t just a mood booster; it’s a powerful tool for physical and mental well-being. When you laugh, your body releases serotonin, the “feel-good” hormone that naturally elevates your mood. Laughter also reduces blood pressure and strengthens your immune system. On top of that, it’s a fantastic way to strengthen relationships. Sharing a laugh with someone creates a bond like no other. Here’s your first Belly Laugh Day challenge: start a laughter chain reaction. Call up your friends or family, share your funniest memories, or watch a video that always makes you laugh. If you’re feeling adventurous, try laughing for no reason. That might sound silly, but trust me—it works! Your brain doesn’t care whether the laughter is real or fake. Soon, that fake laughter turns into genuine, unstoppable giggles. Remember, laughter isn’t just something you do—it’s something you share. So, the next time you hear someone laugh, let yourself join in. You might just make their day, and they’ll likely make yours.  Pause for Reflection: When Was the Last Time You Truly Laughed? Let’s pause for a moment. Think back to the last time you laughed—really laughed. Not just a polite chuckle or a quick smile, but a deep, hearty laugh that left you feeling lighter and more alive. How did it make you feel? If it’s been a while, today is the perfect day to change that. Laughter is a gift you can give yourself anytime, anywhere. So, let go, laugh freely, and embrace the joy it brings.  Share the Joy on Social Media In today’s world, social media is a platform for connection. So why not use it to spread some laughter? Let’s make Belly Laugh Day go viral. Post your celebration online—whether it’s a goofy selfie, a funny family moment, or a video of you and your friends cracking up. Use hashtags like #BellyLaughDay, #LaughterIsLife, or #LaughTogether to connect with people celebrating around the globe. Laughter has a way of breaking barriers, and sharing those moments can inspire someone else to laugh, even on a tough day. Social media often gets a bad rap for being too serious or stressful. But today, let’s turn it into a tool for joy. Imagine the ripple effect you could create just by sharing a laugh. Remember, every post, every share, and every comment is an opportunity to make someone smile.  The...

Puerto Rico The Power of Laughter Celebration

Traditional real estate search is completely broken - we type in square footage and bedroom counts as if those numbers could somehow capture the soul of a home. But what if the entire way we think about finding our perfect place to live is fundamentally flawed? That's such an interesting perspective. The disconnect between how we search for homes and how we actually experience them is pretty striking when you think about it. You know what's fascinating? Studies show that 72% of homebuyers report feeling dissatisfied with their purchase within the first year, largely because the property doesn't match their lifestyle needs - not because of any physical defects. Those numbers are actually shocking. How did we end up with such a misaligned system? Well, the traditional real estate model was built in an era when people typically lived, worked, and retired all in the same community. But now, with remote work and changing lifestyle patterns, we're seeing a complete transformation in how people choose where to live. So what's the alternative to the current system? How do we move beyond just numbers and specifications? That's where AI-powered lifestyle matching comes in. Imagine a platform that learns from your daily routines, your passions, even your future aspirations to match you with communities that truly align with who you are. It's like having a really intuitive friend who just gets what makes you tick. Hmm... that sounds promising, but also pretty complex. How does the technology actually work? The system uses sophisticated algorithms that analyze patterns in how people live and thrive in different environments. For example, it might recognize that someone who frequently attends cultural events would flourish in a neighborhood with an active arts scene, even if they hadn't specifically searched for that. That makes me think about all those hidden gems in cities that you'd never find through traditional property searches. Exactly! And here's where it gets really interesting - they're using cinematic storytelling to capture the essence of these places. Instead of static photos, you get immersive video experiences that show how light moves through spaces, how the community interacts, the energy at different times of day. Oh wow - so it's not just about matching preferences, it's about actually experiencing the vibe of a place before you visit? Right, and the early data is fascinating. In pilot programs, they're seeing a 65% higher satisfaction rate among buyers who used this lifestyle-based approach compared to traditional methods. Those are impressive results. But what about affordability? How does that factor into all of this? Here's the clever part - by understanding lifestyle preferences first, the system can often identify up-and-coming areas that offer similar qualities to more expensive neighborhoods. It's actually helping people find better value while still getting the lifestyle they want. That's really interesting. Have they seen any unexpected patterns emerge from this approach? Oh my gosh, yes! One of the most surprising findings is that about 40% of users end up choosing locations they never would have considered in a traditional search. The AI is essentially expanding people's horizons beyond their initial assumptions. That could have huge implications for neighborhood diversity and development. Absolutely, and that's where the social impact gets really interesting. By matching people based on genuine lifestyle compatibility rather than just trending neighborhoods, we're seeing more organic community integration and less displacement. But what about the privacy concerns? This seems like it would require collecting a lot of personal data. That's been carefully considered in the design. All lifestyle data is anonymized and aggregated, and users have complete control over what they share. It's about creating understanding without compromising personal privacy. Looking ahead, what do you think this means for the...

The Future of Lifestyle-Based Real Estate Search

Voz y letra by @manuakakiddo
mix by @manuakakiddo

KYD 2025



Kon Mis Do (((@manuakakiddo)))

Je te pète le cul comme un bulldozer

petit frreestiyle à l'honneur de nos talents régionales (rpz72)

banjo kazzoie

PLACO (prod vox7)

Une création issue de l'offre pédagogique TRAJECTOIRES de la Ville de Pau et de la Communauté d'Agglomération Pau Béarn Pyrénées, réalisée avec le Réseau des Médiathèques.

Média populaire et largement répandu dans le Monde, la radio fait appel à différents métiers, notamment ceux du journalisme et du son. Ce parcours offre l’occasion de pénétrer cet univers et de mettre les élèves en situation de programmation collective et de la réalisation d’une émission qui sera diffusée sous forme de podcast.

OBJECTIFS :
> Découvrir l’univers de la radio : connaître son histoire avec son fonctionnement et réaliser
toutes les étapes de conception d’une émission
> S’initier à l’élocution, appréhender et maîtriser sa voix
> Favoriser l’écoute et le travail en collaboration.

Ecoutez l'émission créée par la classe de Monsieur Barritaud, Formateur FLE, au BTP CFA (64).

Formation pédagogique par
Matthieu Lamarque (Médiathèque de Jurançon - 64)

Radio Cartable - Classe Français Langue Etrangère - BTP CFA - PAU (64)

Ce réseau composé de 10 médiathèques a pour but de donner accès à tous à la connaissance, aux loisirs et à la culture à travers tous les supports. Découvrez sur cette chaine nos podcasts et nos créations sonores.

New tracks tagged #BTP