NEW YORK, March 2, 2023 (Newswire.com) - iQuanti: If you're interested in getting a boat, you may be tempted to buy an older model since it will most likely have a lower price. While many used watercraft still have plenty of life left in them, one aspect that can be challenging is finding a lender that will let you finance the purchase of an older model.  

In this post, we'll explain how to find boat loans for older models and what you need to know before you make your purchase.   

Is it possible to get a loan for a used boat? 

The short answer is "yes." While many lenders prefer to finance the purchase of a new boat or at least one that's less than 10 years old, others may lend for the purchase of watercraft as old as 25 or 30 years. Of course, a lender's decision will depend on a variety of aspects of the boat, like its condition, size, market value, etc. 

The potential borrower's financial situation is also important. For the best chance of success in finding a lender to work with you, you'll want to have: 

• A high credit score 
• A low debt-to-income ratio 
• A great employment history 
• Positive net worth 

To make the best use of your time, keep in mind that it helps to get prequalified for a boat loan before you start to seriously shop around. 

Why don't some lenders finance used boats? 

Just like with a car, a boat immediately starts to depreciate right from when you purchase it. Within the first five years, a boat may lose anywhere from 25 to 50 percent of its market value depending on various factors. Since the boat serves as collateral for the boat loan, the lender doesn't want to be stuck with an asset that may already be fully depreciated if the borrower defaults on the loan.  

What differences are there between a new and a used boat loan? 

If you find a lender who's willing to let you finance an older boat, you may encounter the following loan terms: 

Higher interest rate 

Higher down payment requirement 

Higher minimum loan amount 

Shorter repayment period 

Other factors to consider 

Buying an older boat may seem like you're getting more bang for your buck, but there are some additional expenses to consider.  

For instance, a used boat is likely to already have significant wear and tear and may require more extensive maintenance. The boat's mechanical systems, such as the engine, might also need to be replaced sooner.  

Whether you get a new or used boat, don't forget to also factor the following recurring expenses into your budget: 

Insurance premiums 

Registration fees 

Fuel 

Marina fees/storage costs 

What if you can't get approved for a used boat loan? 

If the boat you're thinking about buying is too old, even for a used boat loan provider, you may still have other options. 

One option is applying for a personal loan online. Personal loans can be used for any purpose, from paying for a wedding to starting a business and, of course, buying a recreational vehicle. 

To get a personal loan that's large enough to purchase a boat, it may need to be a secured loan. This means the lender will require you to pledge collateral such as your home or a vehicle. Be aware that you'll want to make good on your payments, or you may jeopardize losing your collateral.  

The Bottom Line 

Some lenders will work with you on financing an older boat. Approval depends on several factors with respect to the watercraft and your financial situation. If you can't find a lender or don't qualify, you also have the option of applying for a personal loan. 

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


Original Source: Can You Get a Loan on an Old Boat?

NEW YORK, March 2, 2023 (Newswire.com) - Credello: Consumers always have bills to pay. What some individuals and families are focused on now is wage growth not keeping up with the pace of inflation. Some have taken on more debt in recent years. Others have dipped into savings to keep up with their most crucial bill payments.

Some consumers have taken on loans with collateral, also known as secured loans. Some with better credit have opted for unsecured personal loans, while still others are using credit cards to pay for many of their monthly expenses. 

Whichever way you're paying your bills, it might interest you to know which payments American consumers are most concerned about as we progress further into 2023.

1. Food

In a recent Fannie Mae National Housing Survey, American consumers mentioned that they were more concerned about paying their food bills than anything else. Many cited the prices of specific food items that have increased recently. 

The grocery store is usually where Americans notice sharp price increases. Because of that, it's not surprising that many expressed frustration over having to pay more for the same food staples that cost less not that long ago. 

2. Medical Care

Some individuals have healthcare plans through their work. Those that do often still have to pay hefty copays when they seek medical care, though. Those who are self-employed must pay for healthcare plans on their own, and that's expensive.

The cost of virtually all medical procedures and many medications seem to keep going up. It's unlikely that will change anytime soon, since America appears in no hurry to implement a universal healthcare system.

3. Gas

Paying more when gassing up the car was another concern for many American consumers. Higher gas prices mean it costs more to drive to and from work. Taking care of various errands costs more as well.

This concern is at least starting to be mitigated by one change in automotive technology. In recent years, more individuals than ever have been driving hybrid cars and electric vehicles. Those that do are finding some relief because they're paying less for gas, or they're no longer paying for gas at all in the case of EVs. It seems likely this trend will continue. 

4. Rent and Mortgage Payments

Rent and mortgage payments are additional expenses on American consumers' minds. Last year, more of them expressed concerns about their possible inability to keep up with the monthly rent on their apartments or mortgage payments for homeowners.

Renters seem disproportionately more worried about payments than homeowners were about mortgage payments. The number of individuals belonging to both groups who feel nervous about future payments is going up, though.

How Can You Pay These Bills?

There are no simple answers to these concerns, but certain actions are possible. Consumers can ask for raises at work. If those are not forthcoming, they can update their resumes and look for better-paying jobs within their fields. They can take on second jobs in some instances. 

They can purchase generic food products at the grocery store, should that be necessary. They can also buy bulk food items, saving themselves money that way. 

The next vehicle they get can be either a hybrid or an electric car. Since more companies keep coming out with hybrid models and EVs, used ones are also becoming available. These are more affordable and attractive options for consumers who can't afford brand-new vehicles.

There are also unsecured personal loans available from lending entities and secured loans where you put up something valuable as collateral. Credit cards are another way to pay monthly bills. You should avoid that unless it's necessary, though, due to the high interest rates these cards usually charge.

While rising costs can be frustrating, consumers have options that can help alleviate some of the stress they might be experiencing. 

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

Carolina d'Arbelles-Valle
[email protected]
+1 305 849 8443


Original Source: Consumers Are Most Worried About Making These Types of Payments in 2023

AUSTIN, Texas, March 2, 2023 (Newswire.com) - iQuanti: Recognizing when you need help is an important step in caring for your mental health. Whether you're thinking about making an appointment with a psychiatrist in Dallas, Chicago, or Miami, here are 10 reasons why you may want to consider seeing one for help: 

1. Difficulty functioning in daily life - If you struggle to manage day-to-day activities like getting out of bed in the morning, attending classes or work, and socializing, this can be a sign of underlying issues like anxiety or depression. A psychiatrist can assess symptoms and help you manage mental health issues that are hindering everyday functioning. 

2. Feeling down or sad - If you are feeling unusually down, get sad easily, or have lost interest in activities that used to make you happy, this can be a sign of depression. A psychiatrist can evaluate your symptoms and help decide on the right course of treatment. 

3. Excessive anxiety or worry - Experiencing worry or anxiety is a normal, healthy response to everyday stressors. However, excessive anxiety or worry can mean you have an anxiety disorder. A psychiatrist can put together a treatment plan and help you manage symptoms. 

4. Your therapist suggests it - If you have been seeing a therapist and they suggest you could benefit from seeing a psychiatrist, it might be time to make an appointment. Your therapist might even be able to refer you to someone.  

5. Difficulty sleeping - If you are having difficulty falling or staying asleep at night or are experiencing a change in sleep patterns, it could be due to an underlying mental health issue. A psychiatrist can help diagnose and treat any issues that may be causing insomnia.  

6. Your prescription isn't working anymore - If the medication you are taking to manage symptoms isn't working as well as it used to, you should consider seeing a psychiatrist. They can evaluate your symptoms, suggest other treatments or medications, and monitor how you're adjusting.  

7. You have a family history of mental illness - If you have a family history of mental illness, you may be at an increased risk for developing a mental health issue. Making an appointment with a psychiatrist can be an important step in monitoring your mental health and getting additional support.  

8. You experienced a traumatic event - If you experienced a traumatic event, such as a natural disaster or assault, you might develop symptoms of post-traumatic stress disorder (PTSD). A psychiatrist can put together a treatment plan that addresses your symptoms.  

9. Increased substance use - If you are using drugs or alcohol to cope with difficult emotions, this can indicate an underlying mental health issue.  

10. You are considering medication - If you are considering taking medication to manage your mental health, a psychiatrist can help. They can evaluate your symptoms, rule out other medical issues, and help you decide if medication is the right method of treatment.  

Seeing a psychiatrist can be an important part of your journey to mental health and wellness. It can help you better understand your condition and provide additional resources for managing your symptoms. This list is by no means exhaustive, but if any of the above circumstances apply to you, consider making an appointment today.  

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


Original Source: 10 Reasons to See a Psychiatrist

MollyTommy, an LGBTQ+ Social Media Platform, has recently seen unprecedented growth within the first few months of 2023.

ATLANTA, March 2, 2023 (Newswire.com) - MollyTommy, an LGBTQ+ Social Media Platform, has recently seen unprecedented growth within the first few months of 2023. Not only has the LGBTQ+ community embraced the online safe space, but also many large brands have partnered with MollyTommy.

MollyTommy touts that they are "The World's Preferred Safe and Inclusive Social Media Platform for Allies and Members of the LGBTQ+ Community." Many folks within the LGBTQ+ community feel traditional social media such as Facebook, Instagram, Twitter, and TikTok is neither a welcoming nor a safe place to be their authentic selves, and GLAAD's 2022 Social Media Safety Index (SMSI) provides further data explaining 84% of LGBTQ+ adults stated there not enough protections on social media to prevent discrimination, harassment, or disinformation due to the amount of hate and persecution they experience on a regular basis. With MollyTommy's safeguards in place, it is no wonder membership has been growing.

Not only has the LGBTQ+ community taken notice, but many organizations and Convention and Visitors Bureaus have partnered with MollyTommy. MollyTommy is the only social media platform specifically serving the LGBTQ+ community in which advertisers can show their support and guarantee to be seen. Also, partnering with MollyTommy makes a great addition to many organizations' inclusive marketing goals.

Recently, PridePays, Just Corps, Cruise Planners, Pride Lending and St. Pete's Clearwater has partnered with MollyTommy. 

"We are so grateful and pleased with the support provided by our partners who understand the need for an LGBTQ+ safe space online. Also, by partnering with us, they are showing their solidarity within our diverse communities," said Tammy Kaudy, Co-Founder, MollyTommy.

MollyTommy is a free social media platform where LGBTQ+ communities, their friends, families, and businesses can unite with a sense of purpose and use their voices to engage with each other in a safe environment.

To join, visit mollytommy.com 

Contact Information:
Heather Brown
Marketing Manager
[email protected]
602-930-1031


Original Source: Members and Partners Flock to the LGBTQ+ Social Media Platform MollyTommy

Profile Plan, a leading provider of health and weight loss solutions, announced the acquisition through an affiliate of substantially all of the assets of HMR, a well-established health and weight loss company that has been helping people on their weight loss journeys since 1983. The acquisition will bring together two industry leaders to offer customers a more comprehensive range of health and weight loss options.

SIOUX FALLS, S.D., March 2, 2023 (Newswire.com) - "We are thrilled to welcome HMR to the Profile Plan family," said Ryan Niparts, CEO of Profile Plan. "By joining forces, Profile Plan and HMR will be able to provide customers with top-notch health and weight loss solutions, helping them achieve their wellness objectives."

Profile Plan will maintain both brands and provide their distinctive foods, coaching methods, and supporting technologies. Profile Plan and HMR both share a commitment to providing personalized, science-based weight loss solutions. The acquisition will bring together the best practices and programs of both companies to create a truly comprehensive offering.

"We are confident that this acquisition will bring significant benefits to our customers, employees, and partners," said Christine K. Weithman, MBA, RD, LDN, FAND, Director of Nutrition at HMR. "Together, we will be able to offer a wider range of solutions, a more personalized approach, and a stronger commitment to helping our customers achieve their health and weight loss goals."

The companies will complete the transition in the coming months, with HMR continuing to re-establish regular operations in the meantime.

About Profile Plan 

Profile Plan is a personalized weight loss and health program that uses a scientific approach and the individual's own DNA to create customized plans. It includes in-person or virtual one-on-one coaching, meal replacement products, and support tools to help individuals achieve and maintain their desired weight and overall health goals.

About HMR

HMR Plan (formerly HMR Weight Management Services Corp.) is a weight loss and lifestyle change program that offers structured meal plans and behavior modification coaching. It includes meal replacement options, physical activity, and healthy eating plans, and uses a phased approach to support long-term healthy lifestyle changes. HMR has been shown to be effective in producing significant weight loss and improving health outcomes for thousands of customers over four decades, in weight-loss centers and through its at-home program.

Contact Information:
Ryan Niparts
CEO, Profile Plan
[email protected]
(716) 510-3316


Original Source: Profile Plan Acquires HMR to Offer More Comprehensive Health & Weight Loss Solutions

TAMPA, Fla., March 2, 2023 (Newswire.com) - As a resource for all single parents, Shepherd's Village, the Indian Rocks Baptist Church, and their non-profit partner, The JoyFM, are partnering to sponsor and host "What's Next?" - A Conference for Solo Parents, on Saturday, March 18, from 8:30 a.m.-2 p.m. at Indian Rocks Baptist Church. 

Shepherd's Village understands that flying solo as a single parent is hard, especially when forced into this unexpected season of life. The Solo Parent Conference opens the door for single parents to have a conversation with those who have walked this road before, gaining insight on their journey to find hope and healing. 

The "What's Next" Conference will cover topics by subject matter experts in the fields of:

• Co-Parenting
• Estate Planning
• Moving Forward in a New Direction
• Dating Again
• Life as a Single Dad
• How to Change Your Mindset
• Financial Freedom

Registration is required and closes on March 15. 

For more information and to register for this event, please visit our website at https://shepherdsvillage.com/whatsnextsolos23. We look forward to helping Tampa Bay single parents discover "What's Next?" so they can face their future with confidence.

####

Based in Tampa Bay, FL, Shepherd's Village stands in the gap for single mothers and their children. While we are the only faith-based single-mother housing program in Pinellas County, Florida, we have expanded our free, online offerings so more women across the country can experience healing, safety, and restoration. With the help of our partners, we are able to reach two generations at one time and make an impact that will long outlive us.

There is hope beyond the brokenness and confusion caused by divorce, separation, death, or never having been married. If you know a single mother in need, please direct them to our website for life-changing resources: https://shepherdsvillage.com/. 
 

Contact Information:
Briana Yates
Project Manager- Marketing
[email protected]
7277442447


Original Source: Shepherd's Village Invites Single Parents to a Solo Parent Conference

NEW YORK, March 2, 2023 (Newswire.com) - Credello: Planning - and paying for - a wedding is one of the most stressful times for newlyweds, especially if budgets are tight. But there are a few ways to save money without sacrificing the big day, especially if you get proactive about your finances. How? By utilizing personal loans to cover your wedding costs.

Personal loans are popular ways to pay for big milestones like home repairs, weddings, and honeymoons. They're a great way to get the money you need without having to put up collateral or rely on high-interest credit cards. Here are five reasons why you should consider taking a wedding loan in 2023:

1. You have time to pay back the loan

Unlike other types of loans, wedding and honeymoon loans typically have shorter repayment periods, making them more manageable for people who want to pay them back quickly. Plus, many lenders offer flexible terms that allow you to repay your loan over time, which means you can get the money you need without feeling stressed or taking on extra debt.

2. You'll have cash on hand

Did you know that, even in 2023, many wedding vendors don't accept credit cards? It's true! This is why a personal loan is the better option if you need a little help covering wedding costs. You'll have access to cash right away, giving you the ability to work with whichever venue or vendor you want and not just the ones who take credit cards.

3. The interest rates are usually low

Interest rates on personal loans are usually lower than those on high-interest credit cards or other types of loans. This means that you'll pay less in interest over the life of the loan - and you could save a lot of money in the long run.

4. Your interest rate will be locked in

One of the most significant problems of using credit cards to pay for wedding expenses is that your interest rate is based on the market. In 2023 financial experts anticipate the Federal Reserve may raise interest rates even higher to help hold inflation back. If this happens, your interest rate on any credit card debt could skyrocket. 

On the other hand, most personal loans will carry a fixed interest rate, so you'll never get hit with more debt from market volatility, making it easier to budget for and pay off your debt.

5. There are multiple ways to get a wedding loan

Personal loans aren't just for people who don't have good credit. In fact, many lenders are willing to lend to people with solid credit scores and even bad debt histories. This means that you could find a loan that's perfect for you - no matter your financial situation.

The bottom line

If you're planning a wedding in 2023 and don't have the money to cover the costs yourself, consider taking a personal loan. These loans offer many benefits, including short repayment periods, low-interest rates, and the ability to work with the vendors you want, regardless of their payment policies.

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

Carolina d'Arbelles-Valle
[email protected]
+1 305 849 8443


Original Source: 5 Reasons to Take a Wedding Loan in 2023

CHICAGO, March 2, 2023 (Newswire.com) - Chicago, IL - Attorneys specializing in nursing home abuse in Chicago have expressed deep concern over the short life expectancy of nursing home residents in the city. According to recent statistics, the life expectancy of these individuals is alarmingly low and well below the national average.

"We are deeply concerned about the welfare of nursing home residents in Chicago," said Jonathan Rosenfeld of Rosenfeld Injury Lawyers, LLC, a prominent law firm. "It is our responsibility to ensure that these vulnerable individuals receive the care and respect they deserve, and we are committed to fighting for justice on their behalf."

Shocking Statistics

The latest data reveals that the life expectancy of nursing home residents in Chicago is significantly lower than the national average. Studies have shown that the average lifespan of these individuals is just five years, compared to the national average of 10 years. 

According to data from Medicare and the Illinois Department of Health (IDH), the life expectancy of nursing home residents in Illinois is lower than the national average. This is due to various factors such as neglect, abuse, and substandard living conditions in some facilities.

Studies have shown that the average lifespan of a nursing home resident in Illinois is just six years, compared to the national average of 10 years. This alarming disparity raises serious questions about the quality of care provided in some nursing homes in the state.

IDH has conducted several investigations and found inadequate staffing levels, poor sanitation, and insufficient medical care in certain facilities. These conditions affect residents' quality of life and contribute to lower life expectancy rates.

State and federal authorities must take immediate action to improve the quality of care in nursing homes and protect residents' rights. With increased oversight and accountability, we can ensure that residents receive the care and support they need to live comfortable and fulfilling lives.

A Long List of Nursing Home Negligence Cases

The attorneys have handled many cases where their clients' loved ones have died unexpectedly while under the care of professionals. They understand the pain and heartache of losing a loved one and are committed to protecting these vulnerable individuals' rights.

"We have seen first-hand the devastating impact that nursing home abuse can have on the lives of individuals and their families," says Rosenfeld. "Each of us must uphold the rights and dignity of residents who have entrusted their care to professionals."

The attorneys are working tirelessly to bring attention to this critical issue and to advocate for change. They are urging the public to take action and speak out against any abuse or neglect they may witness in nursing homes.

These Chicago nursing home abuse attorneys are deeply concerned about the short life expectancy of residents in nursing homes in the city. They are advocating for change and working to bring attention to this critical issue. They encourage the public to join them in their efforts to protect the rights of these vulnerable individuals.

Resources:

• Nursing Home Violation Reports | DPH
• Chicago Personal Injury Lawyers

Contact Information:
Jonathan Rosenfeld
Managing Attorney
(888) 424-5757


Original Source: Chicago Nursing Home Abuse Attorneys at Rosenfeld Injury Lawyers LLC Concerned About Short Life Expectancy of Residents