ZEROLyte Electrolyte Drink Mix
ZEROLyte is an electrolyte drink mix that will give you the hydration you need to keep you going stronger and better without the sugar, carbs, or calories of other hydration drinks.

OGDEN, Utah, June 23, 2023 (Newswire.com) - Trace Minerals, America's number one selling trace mineral, liquid magnesium, and performance nutrition brand and the leading provider of trace mineral-based supplements for over 50 years, is proud to announce that its new ZEROLyte electrolyte drink mix has won a 2023 Mindful Award for the Hydration Product of the Year. The Mindful Awards Program is an independent recognition platform highlighting conscious companies and products that mindfully make waves in the ever-expanding world of consumer packaged goods.  

This year's program attracted more than 1,650 nominations from companies all over the world. The winners were selected based on a variety of criteria, ranging from impact, credibility, health, transparency, and more. All nominations are evaluated by an independent panel of experts within the consumer packaged goods industry. 

"We're really proud and honored to receive this award for such a well-formulated product," said Kamini Natarajan, Chief Marketing Officer of Trace Minerals. "We have great relationships with all our retailers and many of them came to us asking for a product just like ZEROLyte. As a pioneer in electrolyte engineering, we were up to the task of creating a product that tastes great, is effective for electrolyte replacement, and warrants our 100% money back guarantee. Since its launch in March, it's been nothing but successful to the point that we're having a difficult time keeping it in stock because of its tremendous popularity. It's a good problem to have."  

ZEROLyte is a sodium and electrolyte drink mix aimed at replenishing essential electrolytes lost through exercise and other daily activities to keep the body hydrated and full of energy. ZEROLyte is full of high-quality ingredients including ancient sea salt, coconut water, potassium, magnesium, and a full spectrum of ionic trace minerals from ConcenTrace®. The Ancient Sea Salt is sourced from underground salt deposits that are rich in trace minerals and is pure, unrefined, and unadulterated. ZEROLyte comes in three delicious flavors: Salty Orange, Salty Citrus, and Salty Watermelon. It is certified vegan, sugar-free, gluten-free, paleo-friendly, and Keto-friendly. A 30-packet, 30-serving box retails for $37.99. 

About Trace Minerals—For over 50 years, Trace Minerals (www.traceminerals.com) has been helping people everywhere remineralize their bodies (achieve and maintain the ideal level of trace minerals that are just right for them) because they know the profound impact it can have on their ability to live better every single day. Trace Minerals is the exclusive provider of ConcenTrace® Trace Mineral Drops, a concentrated seawater complex that contains a full spectrum of trace minerals and elements that is in precisely the proportion our bodies require and is essential to a healthy daily foundation. All products are 100% satisfaction guaranteed.

BOSTON, June 22, 2023 (Newswire.com) - Whittier Street Health Center, a community health center with a mission to serve as a center of excellence that provides high-quality and accessible healthcare and social services that achieve health equity, social justice, and the economic well-being of a diverse patient population, will hold its 24^th  Annual Men's Health Summit on Saturday, June 24 from 10 a.m. to 2 p.m. at the Frederica M. Williams Building, 1290 Tremont Street, Roxbury. The theme at this year's summit is UNITED for Men's Health: Grounded in Equity.

Across the country, gaps and disparities in healthcare continue to increase and persist. Without access to good jobs, schools, food, and safe, affordable homes, staying healthy is challenging.  

The annual event will include a health fair, health screenings, and a panel discussion and conversation about men's health and wellness. In addition, the Summit will serve as an occasion to recognize several men's health champions from diverse backgrounds during the Men's Health Champion Award presentation. 

This year's Men's Health Champions are: Mr. Wilner Auguste, founder, Haitian American United (HAU), of Mattapan; Rev. John Finley, co-founder and head of Epiphany School, of Dorchester; Rev. Art Gordon, pastor, St. John Missionary Baptist Church, of Roxbury; Mr. David Morales, general manager, UniCare, of Lynn, formerly of Lynnfield; Mr. Jean Prezeau, men's health ambassador, Whitter Street Health Center, of Roxbury; Mr. William Watkins, MBA, vice president of digital strategies and partnerships, Urban League of Eastern Massachusetts, of Roxbury; and Mr. Leverett Wing, president and CEO, Commonwealth Seminar, of Chelsea/Boston.

NBC10 News Anchor Glenn Jones will be the guest speaker during the highly anticipated event to which all are welcome to attend.

"Our Men's Health Summit aims to help to address preventable causes that contribute to increased morbidity and mortality rates, and decreased life expectancy for men," said Frederica M. Williams, president and CEO of Whittier Street Health Center.  "We will explore strategies to advance men's health, raise awareness about why it is important to engage with men to improve their health and well-being, and provide health education resources and access to care." 

For more information contact [email protected] or 617-989-3119. 

NEW YORK, June 22, 2023 (Newswire.com) - Credello: Americans are struggling to keep up with their car, credit card and mortgage payments these days, according to a report from the Federal Reserve Bank of New York. The report revealed that the share of debt balances that became at least 90 days delinquent in the first quarter of 2023 was 1.08%, up from 0.71% year-over-year.

What counts as a delinquent payment? 

So, you're late paying a couple of bills. Will that automatically translate into delinquency on your credit report? A delinquent payment refers to a payment that is overdue or unpaid beyond the agreed-upon due date or grace period. When a borrower fails to make the required payment on time, it is considered a delinquency. This can apply to various types of financial obligations, such as loans, credit card bills, mortgages, utility bills, or any other contractual payment.

Lenders and creditors usually have procedures in place to address delinquent payments. These may involve sending reminders, assessing late fees, reporting delinquencies to credit bureaus, and, in more severe cases, initiating collection efforts or legal actions to recover the outstanding amount. Delinquent payments can negatively impact a person's credit history and credit score, making it more challenging to obtain credit in the future. 

If you're falling behind on bill payments, here's what you need to know about the possible impact on your financial future. 

Does delinquency show up on your credit report? 

The good news is, missing payments does not automatically result in the immediate reporting of delinquency on your credit report. The process of reporting delinquency to credit bureaus typically involves a series of steps and timeframes. Here's a general outline of how it works:

1. Missed Payment: When you miss a payment, it does not immediately show up as a delinquency on your credit report. Initially, the creditor or lender may send reminders or notifications to inform you about the missed payment and request payment.
2. Grace Period: Many lenders and creditors provide a grace period after the due date during which you can make the payment without incurring any penalties or reporting. The length of the grace period varies depending on the creditor and the terms of your agreement.
3. Delinquency Threshold: If you fail to make the payment within the grace period, the creditor may consider the payment delinquent. However, they may not report it to the credit bureaus immediately. Typically, a certain number of missed payments are required before they report the delinquency.
4. Reporting to Credit Bureaus: Once the delinquency threshold is reached, the creditor may report the delinquent payment to one or more credit bureaus. This reporting can negatively affect your credit score and credit history.
5. Impact on Credit Report: Once reported, the delinquent payment will generally appear on your credit report as a negative item. The specific information provided may include the date of the delinquency, the amount owed, the number of missed payments, and the current status of the account.

It's important to note that different creditors may have varying reporting practices, and the exact timeline can differ. Additionally, some creditors may offer options to make partial payments or negotiate alternative arrangements to avoid delinquency reporting.

The impact of foreclosure on your credit report 

Now, things can get more serious if you're unable to keep up with mortgage payments. Foreclosure is a legal process where a lender takes possession of property from a borrower who has failed to make mortgage payments. It occurs when the borrower defaults on the loan, and the lender initiates proceedings to recover the debt by selling the property. Foreclosure can lead to the borrower losing their home, damaging their credit, and potentially facing eviction.

Does a foreclosure stay on your credit report? Yes, for a significant period of time. It is considered a severe negative item and can have a substantial impact on your credit history and credit score. In general, a foreclosure can remain on your credit report for up to seven years from the date it was first reported. During this time, it can make it more challenging to obtain new credit, secure favorable interest rates, or qualify for certain financial opportunities. 

As time passes and you demonstrate responsible credit behavior, the impact of the foreclosure on your credit score may gradually diminish, but it will still be visible to potential lenders and creditors reviewing your credit history.

About Credello

Credello is a financial tech company offering a personal finance tool that simplifies financial decisions through personalized, on-demand recommendations — so users can borrow, save, or invest with confidence. Credello believes that finding the right financial product should be as easy and interactive as online shopping, and we are on a mission to make that possible. For more information, please visit https://www.credello.com.

NEW YORK, June 22, 2023 (Newswire.com) - Laurel Road: Recent data from the Federal Reserve reveals that Americans currently owe a staggering $1.7 trillion in student loan debt as of Q1 2023. For many Americans, it's understandable that this burden can feel overwhelming and could impact them for the rest of their lives. 

Fortunately, there is a potential silver lining for public service workers in the form of the Public Service Loan Forgiveness (PSLF) program. Created specifically for borrowers who work for a U.S. government organization or a qualifying nonprofit, this program offers the possibility of having federal student loans forgiven after 10 years of repayment amounting to 120 qualifying payments. 

However, it's important to note that not all public service workers qualify for PSLF. It's important to gain a thorough understanding of the PSLF program's requirements and eligibility criteria to determine whether it's worth the effort to pursue it. 

What exactly is PSLF and who qualifies for it? 

PSLF is a federal program established under the College Cost Reduction and Access Act of 2007. Its aim is to encourage graduates to pursue careers in public service by providing loan forgiveness after 10 years of service. This program specifically targets individuals working in the public sector, including the U.S. federal, state, or tribal government, or qualifying nonprofit organizations. 

However, it's also worth mentioning that not all student loans qualify for PSLF.  

Exploring the pros and cons of PSLF 

The primary advantage of the PSLF program is that it alleviates the burden of student loan debt for borrowers who work in public service. Once they enroll in the program and meet all requirements for the 10-year duration of the repayment period, federal student loan borrowers can have a light at the end of the tunnel - their remaining student loan debt could potentially be forgiven after 120 qualifying payments. For those passionate about having a career in public service, PSLF can make their dream career financially possible. 

This program may lead to lower monthly payments because borrowers must opt into an income driven repayment (IDR) plan as a prerequisite for PSLF eligibility.  

However, there are a few cons of the PSLF program that are worth considering. The program application process and meeting all compliance requirements year after year can be a hassle. Completing paperwork such as the Employer Certification Form (ECF), which is recommended to be resubmitted annually - can be time-consuming, especially when you're busy working full-time in the public sector. If you have federal student loans other than Direct Loans, you will also need to take the time to contact your loan servicer and consolidate them into federal Direct Loans in order to be eligible for PSLF. 

Another potential drawback is the requirement to work in public service. Working for the government or a qualifying nonprofit could mean you have a lower salary than you would if you worked for a private sector employer. 

Finally, there is also the possibility of rejection. Meeting the specific requirements throughout the program term is essential. 

PSLF and Individual Factors 

The PSLF program can be a valuable option - even a financial lifeline - for federal student loan borrowers who want to pursue a career in public service. If that sounds like you, then pursuing PSLF is well worth the time it takes to apply and stay in compliance each year. Before applying, be sure to understand your eligibility as well as the program's pros and cons and make an informed decision. PSLF could be a critical piece of your student loan repayment strategy helping to reduce your debt burden and your daily stress - which is priceless. 

About Laurel Road 

Laurel Road began originating student loans in 2013 and has since helped thousands of professionals with undergraduate and postgraduate degrees consolidate and refinance more than $7 billion in federal and private school loans.

www.laurelroad.com