Natural Products Expo West is the leading trade show in the natural, organic and healthy products industry, drawing buyers from retailers of all sizes looking for the latest and best natural foods, products, supplements and ingredients.

ANAHEIM, Calif., March 3, 2023 (Newswire.com) - Space Tea, the world's first adaptogenic mushroom, iced tea and lemonade beverage, announces its participation in the Natural Products Expo West 2023 trade show at the Anaheim Convention Center in Anaheim, California, from March 7-11, 2023.

Join Space Tea at booth #2172, where the company will showcase all six flavors: Original, Golden Mango, Summer Watermelon, Lemon Zero, Hibiscus Zero, and Matcha Zero. Space Tea is certified organic, non-GMO, gluten-free, and kosher.

This year's Expo West is Space Tea's first major trade show and the company's first public appearance since its launch in 2021. Space Tea will feature its innovative line of iced teas and lemonades, which are infused with functional, adaptogenic Reishi and Lion's Mane mushrooms. The company is dedicated to promoting mental wellness through music, meditation, and mushrooms, and its drinks are a delicious and convenient way to benefit from these powerful adaptogens.

"We're beyond thrilled to be exhibiting at Natural Products Expo West this year," said Gabriel Heymann, Co-Founder of Space Tea. "We believe in the power of natural products to enhance health and well-being. Our iced teas are a convenient and delicious way to experience the benefits of adaptogens, and we can't wait to share our products with attendees and hear their feedback."

Natural Products Expo West is the world's largest natural, organic, and healthy products event, featuring over 3,000 exhibitors showcasing the latest in natural and organic products, including food, supplements, personal care, and more. 

Space Tea is available in Los Angeles' Erewhon Market, Sprouts Farmers Markets and Earthbar. Check out Space Tea on Instagram, or visit spacetea.com.

About Space Tea

Space Tea is the world's first mushroom tea and lemonade featuring a refreshing and classic blend of iced tea and lemonade. Its mission is mental wellness through music, meditation, and mushrooms. Space Tea is brewed with functional, adaptogenic Reishi and Lion's Mane mushrooms, which have been studied extensively for their effects on energy, focus and memory. Check out Space Tea on Instagram at instagram.com/spacetea.

Contact Information:
Morgan Hall
[email protected]


Original Source: Space Tea Set to Attend Natural Products Expo West 2023

NEW YORK, March 3, 2023 (Newswire.com) - iQuanti: Despite the best intentions to properly manage our finances, our efforts sometimes get derailed by unplanned bills and mounting debt. Fortunately, there are options when it comes to addressing money problems, like taking out a personal loan or borrowing from loved ones. In this post, we'll give you five strategies you can consider using to help you get out of financial trouble and back on the right track. 

1. Take out a personal loan 

If your money issues are due to an unexpected expense like a large medical bill or home repair, consider taking out a personal loan. 

Personal loans are commonly used for a variety of purposes, including the financing of major purchases, or paying off high-interest debt. In most cases, this will be a better option than putting the expense on a credit card because a personal loan can often have a lower interest rate for a qualified applicant. 

A personal loan can often be a secured loan. This means that something of value like your home or vehicle must be pledged as collateral to secure the financing. Keep in mind that defaulting on a secured loan could lead to forfeiture of the asset. 

2. Leverage the equity of your home 

If you've owned your home for several years, you might be able to use the equity you've built to help you get the funding you need with a home equity loan.  

Equity refers to the value of the home that you, as the homeowner, would be entitled to if it were sold. For instance, someone who owes $100,000 on a home valued at $250,000 would have equity of $150,000. 

A loan using the equity of a home can take one of two forms. The homeowner can either get a home equity loan and borrow a lump sum amount or use a home equity line of credit, typically known as a HELOC. A HELOC grants the homeowner access to a revolving line of credit until the principal must be repaid, which can be for a period ranging from five to 10 years, and the borrower only needs to pay the interest charges during each periodic billing cycle. 

Keep in mind that as with a secured personal loan, defaulting on a home equity loan could lead to forfeiture of the asset. 

3. Borrow from family or friends 

You may want to consider asking family or friends for financial assistance if you cannot get a loan from a bank or other lender.  

If you take this route, it's in everyone's best interest to be sure the terms of the loan are put in writing. Even though these are people who care about you, and you care about them, no one will want to get into any disagreements about the loan and then have it negatively affect the relationship. 

4. Prepare for the next time 

If you're experiencing financial trouble right now, there's no reason not to be proactive to prevent more damage. Preemptive damage control can be accomplished through a variety of simple steps: 

• Make a budget and stick to it 
• Switch to cash instead of using credit cards 
• Focus on paying off your debts using an acceleration strategy like the debt snowball method, i.e., pay off smallest debt(s) first. 

The Bottom Line 

There are many resources you can turn to for help if you encounter financial troubles. Personal loans, a home equity-based loan, or assistance from loved ones may be able to help you to meet your debt obligations. If the problem is more serious, you should consider reaching out for professional guidance. 

Contact Information:
Keyonda Goosby
Public Relations Specialist
[email protected]
(201) 633-2125


Original Source: How to Get Help When You're in Financial Trouble

NEW YORK, March 3, 2023 (Newswire.com) - OneMain Financial: Late payments can happen now and again. Sometimes borrowers get so busy they forget a payment is due. Occasionally, borrowers delay payment because they don't have the funds in their bank account to cover it.  

While online resources such as loan payment calculators can help people plan and estimate their total payment obligations, late payments can still occur. Here's what to expect when a loan payment is submitted late.   

Late fees  

Almost all loans have a late fee that penalizes the borrower when the scheduled payment is not received. Depending on the loan contract, lender, and state laws, this fee amount varies.  

Additional interest accumulation  

Additional interest charges apply for each day a payment is late. Depending on how long it takes for the borrower to pay the overdue amount, a significant amount of interest could build up.  

Remember that a late payment throws off the original loan schedule when interest charges have been structured into the payments. As a result, there will likely be an outstanding balance on the back end of the loan, which will also have to be paid off to cover the extra interest charges.  

Interest rate increase  

Some loans, such as auto and student loans, have contracts with built-in clauses that allow the lender to increase the interest rate if a payment is missed. Again, this results in more interest charges which means higher payments.  

Credit score decline  

Perhaps one of the most significant consequences of missing a loan payment due date is the effect it could have on the borrower's credit score, also called a FICO^® Score.   

A borrower's payment history accounts for 35 percent of the total FICO score. Just one late payment can cause that score to drop significantly.  

Some people believe they have a certain number of days before a late payment begins to affect their credit score. Depending on the lender and type of loan, that may be true. Many lenders wait at least 30 days before notifying the three major credit bureaus about the late payment. However, other lenders will immediately report the late payment. Since there's no telling which practice an individual lender uses ahead of time, it's not worth taking the risk.  

Reduced ability to qualify for future loans  

In addition to experiencing a hit to their credit score, borrowers who make late payments will most likely have difficulty securing new lines of credit or getting approved for future loans. Even if they are approved for a loan, the interest rate they'll be offered will probably not be as favorable as one given to someone with no history of late payments.  

The Bottom Line  

Borrowers should understand the consequences that may result when loan payments are late or missed. The immediate repercussions will most likely be late fees, accumulation of more interest, and a potential increase in the interest rate. Long-term issues include the impact on the borrower's credit score and the ability to qualify for new loans in the future.  

SPONSORED CONTENT 

Contact Information:
Keyonda Goosby
Public Relations Specialist
[email protected]
(201) 633-2125


Original Source: OneMain Financial: The Consequences of Making Late Loan Payments

NEW YORK, March 3, 2023 (Newswire.com) - iQuanti: According to *reports, the average cost of getting married in 2021 was $27,000. If that sounds like more than what you'd like to spend to say your "I do's," there are plenty of ways to curb your expenses and get the funding you need, like taking out a personal loan.  

Here are 10 pro strategies for saving money when paying for a wedding. 

1. Set a budget  

First things first, have a conversation with your fiancée about how much you're comfortable spending. Use this number to establish boundaries for each of the main categories, such as the venue, food, dress, etc. Couples who do this exercise upfront will be far more successful at sticking to their budget and not overspending. 

2. Schedule an off-peak wedding  

While everyone else may pay more for a summer wedding or a date close to Valentine's Day, try saving some money by going with months that are generally slower, such as December or January. Also, being open to days other than Saturday may lead to even better rates. 

3. Keep the guest list intimate 

You might love your family and friends, but the simple truth is that the more people you invite, the more mouths there will be to feed. Instead, keep the guest list shorter by focusing on the people who matter the most. 

4. Make your own invitations 

Elaborate wedding invitations are nice, but they can be very pricey and often quickly forgotten. For this reason, consider printing your own. There are dozens of reputable websites with beautiful templates you can use. Or, if you'd really like to be frugal, send out your invitations electronically and skip this expense altogether. 

5. Serve food buffet style 

It costs a lot for wedding venues to provide waitstaff when food is served individually to the guests. Instead, consider going with a buffet-style option where guests can serve themselves. The food is often comparable, and guests can choose what they'd like to eat. 

6. Reduce the drink options at the bar 

Open bars are a cash cow for wedding venues because they charge for every drop of liquor consumed. To tame this expense, limit the bar options to just a few select types. You could even have some fun with this by asking them to have a "featured drink" named after you. 

7. Swap cake for another dessert 

Wedding cakes may be traditional, but they're not always the more affordable option. Look into having another more fun dessert such as cupcakes, cookies, brownies, etc. 

8. Schedule your honeymoon for a later date 

You may wish to go on your honeymoon in the days following your wedding. But that might not always be the most economical time to go. Being open to alternate days could save you thousands of dollars on your flights and hotel accommodations. 

9. Apply for a loan instead of using a credit card 

If you don't have enough money to pay for your expenses outright, avoid using a credit card, where high-interest debt will accumulate if the balance isn't paid in full and on time. Instead, consider applying for a personal loan featuring a more reasonable interest rate especially if you're a creditworthy applicant. 

10. Don't sweat the small stuff 

It's perfectly natural to want everything at your wedding to be perfect. But don't feel like you must spend unnecessary amounts of money to make it a reality. Even if the flower arrangements have 12 stems instead of 24, or the dress came off the rack, you're still going to get married to the person you love and create a lifetime of beautiful memories. 

* https://www.fool.com/the-ascent/personal-finance/articles/this-is-the-average-cost-of-a-wedding-in-2022/#:~:text=2022%20wedding%20price%20tag,on%20par%20with%202021%20costs. 

Contact Information:
Keyonda Goosby
Public Relations Specialist
[email protected]
(201) 633-2125


Original Source: 10 Ways to Save Money When Paying for a Wedding

NEW YORK, March 3, 2023 (Newswire.com) - OneMain Financial: It's often challenging for Americans to afford healthcare and cover those expenses. But with inflation rising, it's likely more people will go into debt and then rely on a loan payment calculator to determine how much they can borrow. It's a good idea to create a medical expense budget before things get to this point. Below are a few steps to prepare one.  

1. Determine how much money is needed  

Budgeting requires a person to estimate their income and expenditures for each month. Therefore, the first step in creating a budget should be determining how much money is needed this year for healthcare-related expenses.  

This step has three components:  

• Healthcare insurance premiums: The cost of health insurance premiums per year  
• Out-of-pocket expenses: How much will a person be responsible for paying, i.e., what is the annual insurance deductible, how much is the co-pay, and are there coinsurance costs? 
• Unexpected expenses: Because a health insurance provider may not fully cover specific tests, drugs, or doctors, people should build a financial safety buffer into their estimate.  

2. Take advantage of tax-saving opportunities  

Having calculated an estimate, the next step is to find a tax break. Like retirement savings plans, the Internal Revenue Service (IRS) gives taxpayers the ability to use tax-free money to cover medical expenses if they sign up for one of these accounts:  

• HSA (Health Savings Account) - allows people enrolled in a high-deductible health insurance plan to allocate a portion of their income into an account that can be used to pay for IRS-approved medical expenses tax-free. These funds remain with the account owner and never expire.    
• FSA (Flexible Spending Account) - allows participants to contribute tax-free to a savings account designed to cover IRS-approved medical expenses. The funds in the FSA must be used within one year, or they will be forfeited.  

HSAs are available to people who are either working or not working. On the other hand, FSAs are only offered through an employer.  

3. Consider creating a separate account for medical expenses 

If the amount someone saves to an HSA or FSA is less than their estimated budget, they should consider setting aside more in a savings account.  

While a person can save money for medical expenses in their checking or savings account, it may be better to create a separate account. Doing this will help create both mental and financial partitions for the money. This will make it easier to be used solely for paying medical expenses.  

4. How to fund the separate account  

With the separate account created, it's best to build up its balance as much as possible. This can be done with the following:  

• Setting up automatic contributions from a savings or checking account  
• Allocating any extra money from a raise  
• Employer bonuses  
• Tax refunds  
• Additional earnings from side hustles  

Whenever possible, go above and beyond and continue saving toward the following year's expenses. Having a financial cushion in place when confronted with medical bills is important.  

The Bottom Line  

Medical expenses often cost a lot of money, but consumers can better manage the expenses by adopting a sound financial strategy. Estimating how much is needed and signing up for an HSA or FSA is a great place to start. From there, creating a separate savings account and funding it will also help them on the way to better financial security.  

SPONSORED CONTENT 
 

Contact Information:
Keyonda Goosby
Public Relations Specialist
[email protected]
(201) 633-2125


Original Source: OneMain Financial: How to Create a Budget to Pay Medical Bills

NEW YORK, March 2, 2023 (Newswire.com) - OneMain Financial: Choosing a personal loan to pay off expenses or consolidate debt has its benefits, but there are some potential pitfalls in the process to avoid. These pitfalls can be found primarily in the structure of the personal loan, which includes the interest rate, payment terms, and classification as a secured or unsecured loan.  

The concerns we've listed here can be detected by reading the loan agreement thoroughly before signing any documents. Understanding the difference between the annual percentage rate (APR) and interest rate is also important. They are not the same. The APR includes the interest rate but also adds in fees and finance charges. 

Personal loans and building credit 

Credit reporting agencies like Equifax, Experian, and Transunion use a universal scoring system called FICO^® to calculate credit scores. These scores range between 300 to 850 and help determine an applicant's eligibility for a loan depending on their creditworthiness. A personal loan can increase and decrease a person's credit score. Getting approved for a personal loan may cost the applicant a few points on their credit score while paying the loan off on time without missing a payment could improve their credit. 

Lenders do what's known as a soft inquiry on the applicant's credit report during the pre-approval process. A soft inquiry on a credit score is when a person's credit report is accessed, but this does not affect the individual's credit score. On the other hand, a hard inquiry will result in a slight credit score decrease because the lender will do a deeper dive into the applicant's credit history. As for continuing to make on-time payments, they can significantly boost the score over time. 

Unsecured versus secured loans 

There's a valid argument that a loan applicant may get better terms and a lower interest rate if they opt for a secured loan versus an unsecured loan. The downside is that the collateral for a secured loan puts the borrower's assets, like a car, boat, motorcycle, or house, on the line as security for repayment. 

Defaulting on a secured loan could lead to the forfeiture of the asset. Unsecured loans don't require collateral, so losing pledged collateral isn't an issue. The interest rate and APR might be higher, but the borrower is not at risk of losing their personal property. Unsecured loans are often used for debt consolidation or to cover emergency expenses. 

Watch out for origination and early repayment Fees 

Loan applicants often go through the entire application and screening process before getting all the loan contract terms. It's important that fees, including origination fees and early repayment penalties (also called prepayment fees), are stated clearly and thoroughly. It's always important to carefully read the fine print. 

While early repayment penalties are less common these days, it's a good idea to be sure they aren't in the loan agreement.  

The Bottom Line 

Borrowing money costs money. That's just the nature of how the moneylending business works. Because taking out a personal loan has pros and cons, potential borrowers should carefully read the terms and conditions of every loan. Look for the interest rate and the APR, and determine if there are origination fees or an early repayment penalty fee. Carefully weigh the decision on whether to get a secured or unsecured loan and understand that your credit score will be affected by consenting to a potential lender's hard inquiry even if you don't accept the loan that may be offered to you.    

SPONSORED CONTENT 

Contact Information:
Keyonda Goosby
Public Relations Specialist
[email protected]
(201) 633-2125


Original Source: OneMain Financial: The Ins and Outs of Personal Loans: What to Look for and What to Avoid

DALLAS, March 2, 2023 (Newswire.com) - iQuanti: Anxiety is a normal, healthy response to everyday stressors. But anxiety can become overwhelming, difficult to manage, and may even disrupt your life. Fortunately, there are many effective ways of coping, including lifestyle changes, therapy, and medication. Let's take a deeper look at eight strategies that can help you manage your anxiety: 

1. See a therapist: Seeing a mental health clinician can help you work through the emotions and thoughts associated with anxiety. A therapist can help you learn coping skills and develop tools to manage symptoms and deal with anxiety in a healthy way. They can help you learn to recognize and challenge anxious thoughts, as well as provide support to help you make lasting lifestyle changes. 

2. See a psychiatrist: Some people with anxiety can benefit from medication — that's where a psychiatrist can help. Psychiatrists are medical doctors who specialize in mental health. If your anxiety significantly impacts everyday functioning, consider making an appointment with a psychiatrist in Dallas, Chicago, L.A., or wherever you are.  

3. Try meditation and mindfulness: Meditation and mindfulness practices can be great ways to relax and clear your mind of intrusive thoughts and worries. Consistent practice can make you more aware of your surroundings and better understand your emotions.  

4. Engage in regular exercise: Exercise is one of the best ways to reduce stress and improve mental health. Incorporating regular physical activity into your routine can help regulate your mood and alleviate anxiety.  

5. Get enough sleep: Lack of sleep can cause fatigue and irritability, making it harder to cope with stressful situations. Getting sufficient restful sleep each night can give you more energy throughout the day and lower levels of stress hormones.  

6. Unplug: Taking some time away from technology can help reduce anxiety and stress. Try to experiment with this — turn off your phone, turn off notifications, or just spend some time offline each day.  

7. Have a routine: A consistent routine can bring structure and stability to everyday life, leading to lower anxiety levels. Try making a loose daily schedule that includes time for work, exercise, meals, relaxation, and socializing.  

8. Practice self-care: Self-care looks different for everyone, but it generally involves listening to your needs, taking time for yourself, and doing things that make you happy and help you recharge. Activities that promote self-care can include reading a book, journaling, or listening to music. Whatever self-care looks like for you, centering yourself and prioritizing your own needs can help minimize stress and anxiety.   

Coping with anxiety 

These strategies and more can help you better manage your anxiety. Take things one step at a time and be kind to yourself as you work through anxious feelings. Remember, you don't have to go it alone — reach out to a professional who can give you the support required to manage your anxiety effectively.  

Contact Information:
Keyonda Goosby
Public Relations Specialist
[email protected]
(201) 633-2125


Original Source: 8 Ways to Manage Your Anxiety