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

Kentucky-based startup will provide informed health decisions surrounding diabetes and prediabetes diagnoses

LOUISVILLE, Ky., March 2, 2023 (Newswire.com) - Healthyr has entered a year-long partnership with the American Diabetes Association (ADA) to provide at-home testing and actionable insights aimed at creating individualized, accessible care for people at risk for (prediabetes) and those who have been diagnosed with diabetes.

In 2019, 37.3 million people in the United States had diabetes. Of those, 28.7 million were diagnosed, while an additional 8.5 million Americans were undiagnosed. With more than 1.4 million people diagnosed each year, those numbers are expected to increase, along with the total cost of diagnosed diabetes in the U.S., which was $327 billion, in 2017.

At the same time, 96 million Americans (38% of the adult population) had prediabetes, in 2019—a condition that puts patients at risk of developing type 2 diabetes, heart disease, and stroke. Screening and regular testing of key biomarkers would play a significant role in both mitigation and management.

"Our goal is to connect the ADA's mission and Healthyr's vision to make the healthcare industry work for patients," said Stacey Finster, Founder and CEO of Healthyr. "By giving patients the power to make informed health decisions when it comes to diabetes and prediabetes care."

The Healthyr HbA1C and Glucose Health Test enables users to check two different biomarkers, which indicate a potential risk for type 2 diabetes, including HbA1c and Glucose. The fingerprick test examines average blood sugar levels to determine the relative stability over the previous three-month period. Healthyr testing kits provide people at risk for diabetes and those diagnosed, with options to take action to improve their health.

"Sadly, more than 96 million Americans have prediabetes and 8 in 10 of them don't know they have it. Fortunately, with knowledge and some lifestyle changes, people can better manage their prediabetes or type 2 diabetes," said Charles "Chuck" Henderson, CEO of ADA. "Healthyr helps equip people with the information they need to take actions that can reduce the risks associated with diabetes and improve their health."

"Knowledge is power, but information creates empowerment," added Finster. "Ultimately that's what we are seeking to create through this program: empowering people to make informed decisions about their own health, based on simple, easy-to-use tests they can perform in the comfort and privacy of their own home."

About Healthyr: Healthyr is a leading provider of digital health and wellness solutions. We are committed to making at-home patient care an affordable reality for the American public. Healthyr screening tests provide insights needed to make informed healthcare decisions about your body. Current Healthyr tests include: Athletic Performance Test, Cardiovascular Health Test, Comprehensive Health Test, Micronutrient Health Test, and Prediabetes Test. For more information, please visit www.BeHealthyr.com and follow us on social media: @thehealthyrco 

Contact Information:
Doug Eldridge
Achilles PR
[email protected]
(202) 680 9375


Original Source: Healthyr Announces Partnership With American Diabetes Association

CHARLOTTE, N.C., March 2, 2023 (Newswire.com) - Southminster's mission has long included a commitment to collaborate with like-minded organizations to accelerate impact on all generations across Charlotte Mecklenburg's broader community. The community's latest initiative has given birth to a new partnership with Memory & Movement Charlotte, a nonprofit practice providing comprehensive clinical and diagnostic expertise for individuals with cognitive and movement concerns. 

The practice focuses on education, support, and empowerment for both patients and those who care for them. Their work greatly enhances the lives of families on a daily basis. "Dr. Edwards and his amazing staff, especially his nurse Shelly, have walked this difficult walk with me and my husband in indescribable ways," said Georgia Ann Porcher. "They have truly partnered and supported the caregiver through this long journey. My family joins me in thanking them for their skill and compassion as we continue down this road."

According to Ben Gilchrist, President and CEO at Southminster, "We are now going a step farther in our collaboration by expanding our Embrace Clinic to include a satellite location for Memory & Movement. This expanded access will not only enhance health outcomes for our residents but for those living in the greater Charlotte region."

"We could not manage this journey of my husband's dementia without Dr. Edwards and Memory and Movement Charlotte (MMC)," says Eutha Hobson. Chuck Edwards is a personal friend of my husband from his medical practice days. It has truly been a blessing to be able to see Dr. Edwards at Southminster, where we live. The support from MMC has been a godsend for our family."

Southminster Patient Scholarship

The Southminster Patient Scholarship program was designed to eliminate financial barriers some patients and caregivers face when attempting to access quality care in our region. Specifically, the scholarships assist families who need help affording Memory & Movement Charlotte's annual fee and also help offset the cost of clinical services for patients who need assistance. 

Dealing with a progressive memory or movement condition is incredibly difficult, and the scholarship fund relieves the additional stress of financial concerns. In calendar year 2022, 68 patients applied for and received full or partial scholarships. Since September, clinical fees were waived for patients who do not have sufficient insurance coverage and fees were waived for patients who entered hospice. Physicians waived annual fees for an additional 62 patients, many of whom have significant financial need but were unable to complete a scholarship application. 

"We are committed to treating every family in need of our services, regardless of their ability to pay," said Dr. Charles Edwards II, M.D., Founding Physician at Memory & Movement Charlotte. "Scholarship support makes it possible for us to keep that promise in a way that is financially sustainable. We are deeply grateful to Southminster for their critical role in helping us meet the increasing demand for compassionate, comprehensive care."

"Partnering with another non-profit in this manner means people experiencing Alzheimer's, Parkinson's and related conditions now have another way to access the best in diagnosis, treatment, support and education that our region has to offer," said Tracy McGinnis, VP Philanthropy & Strategic Initiatives at Southminster.

About Southminster

A leader in the field of aging, Southminster is a non-profit, charitable Life Plan Community, providing innovative living solutions to aging across a full continuum of care. Dedicated to overall well-being, Southminster embraces living life with purpose by valuing independence and privacy, inspiring creative passions, encouraging lifelong learning, and motivating each individual's plan for wellness to its highest potential.  www.southminster.org.

Contact Information:
David Jewell
Advertising Agency, The Jewell Agency
[email protected]
704-996-0165


Original Source: Southminster Partners With Memory & Movement Charlotte to Ease Care Access

NEW YORK, March 2, 2023 (Newswire.com) - iQuanti: Your wedding is one of the biggest days of your life. It's a time when your family and friends will come together to celebrate the union of you and the love of your life. With so much anticipation, it's no wonder many people stress about how they will afford to pull off their wedding day.  

Whether you've already saved money for your big day or are using a loan payment calculator to see how much you can borrow, keeping a wedding budget under control is setting reasonable spending limits. Here are some suggested allocations to keep in mind.   

Wedding Venue  

The venue is typically one of the most expensive costs of a wedding. It's important to choose a facility that is beautiful, spacious, yet affordable because it's where your guests will enjoy your reception and where most of your photos will be taken.  

Keep in mind the added costs the venue operator will charge if you plan to have an open bar—most charge for both the alcohol consumed and staffing bartenders to serve your guests.   

Catering  

Great food makes a beautiful wedding even more memorable. Take time to find an incredible caterer who can provide various dish options and stay within your budget.   

Sometimes the venue offers in-house catering. Depending on the style and type of food you'd like your guests to enjoy, this option could be less expensive than bringing in a caterer.   

Photography and Videography 

Your wedding photos and video will live on long after the big day is over. You'll want to find a professional or team who can serve as an outstanding photographer and videographer. Be sure to browse through their past work and check referrals before committing to one.  

Honeymoon  

While you and your guests enjoy the wedding reception, the honeymoon is when you and your new spouse get to spend quality time with one another. It's best to start planning at least a year in advance. An alternate strategy could be waiting until six months before the trip when you might get a better flight and accommodation rate.  

Wedding Rings 

One thing that you should absolutely include in your wedding budget is the wedding rings. After all, this is an important tangible token of your commitment to each other and will last throughout your marriage.  

When picking out the perfect ring, there are many options out there, so it can be easy to get overwhelmed. Consider different designs, materials, and carats - these decisions should all factor into your budget. Don't forget about insurance for your rings; protecting them from potential loss or damage is key.  

Additional Expenses 

There are a few more major expenses typically included in the overall wedding budget:  

• Entertainment during the reception  
• Flowers  
• Cake  
• Invitations  
• Wedding attire 

It would also be wise to work in a small cushion to cover any incidentals or other costs you didn't anticipate, like last minute expenses or higher than expected rates for services.  

The Bottom Line  

Regardless of how much money you're prepared to spend on your wedding, the important thing is to set a limit for each expense and plan accordingly. By sticking to a budget, there's a much better chance of not overspending or going into debt. No matter what happens, the most important thing is to remember this is the day for celebrating the love of you and your fiancé. 

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


Original Source: How to Allocate Your Wedding Budget

NEW YORK, March 2, 2023 (Newswire.com) - iQuanti: The U.S. Census Bureau reported that in 2022, 10.9 million children under 18 in the United States lived in single-parent households. That's roughly 25% of all kids in the country growing up with just one parent to care for them and support them financially. It's so common that since 1984, the nation has been observing National Single Parent Day on March 21 every year.

Raising children is a blessing, but it's also expensive, especially when you include college tuition, should your kids choose that route. Parents spend sleepless nights with a loan payment calculator trying to figure that out.    

If you're a single parent, you probably already know how to stretch a dollar to make sure your children are provided for. That's not easy. If you're looking for a few extra pointers, we're sharing some simple actions that single parents are taking now to get through the current tough economic circumstances. 

1. Take a fresh look at your budget   

Budgets should be used in any household. Unfortunately, yesterday's budget may not work in today's economy. Prices have gone up at the supermarket and the gas pump. Utilities are more expensive. Clothing for you and the kids is more costly. Take a fresh look at your budget, and you may find that you need to cut back on a few things to save money. 

2. Find a side hustle or online second job 

The onset of the 2020 pandemic taught us that raising children while working from home is possible. In addition to becoming homeschooling educators, many parents became entrepreneurs and online workers while the world was in lockdown. Those are all still options in 2023. If possible, taking on a side hustle or online second job might relieve some of the financial pressure. Just be sure to confirm that if you have a full-time job, your employer's consent might be needed to take on another job,   

3. Save small amounts whenever you can 

It's difficult to think about savings when every dollar goes to support your household. That doesn't mean you can't start saving. For instance, you can add apps to your smartphone that can help you accumulate spare change by rounding up your debit or credit card transactions. Savings deposits don't need to be large amounts. You can watch it add up to a nice rainy-day fund by putting away even $5 or $10 a week.  

4. Ask for help 

This is the most important tip of all. You are not alone. Millions of Americans are under financial pressure, and there are hundreds of programs out there where you can get assistance. Don't let pride get in the way of giving your children a better life. WIC, Head Start, CCAP, and other agencies have solid support programs.     

Asking for help extends to your creditors too. If you're struggling to pay bills, contact the people you owe money to and explain your situation. Credit card companies may lower interest rates. Lenders can defer payments. Don't get stuck in a debt trap thinking there's no relief in sight. There is. You just need to ask for it.   

The Bottom Line 

Providing for children as a single parent can be difficult, but making a few wise financial decisions can make the load a little lighter over time. Start by looking at your current budget to see where you can adjust. You can also start saving small amounts of money for a rainy day and look into a second job or side hustle to bring in more income. One of the wisest decisions you can make is to ask for help when needed. You can do a lot alone, but you don't have to do everything alone. There is help when you need it if you look in the right place.  

SPONSORED CONTENT 

Sources:
https://www.census.gov/newsroom/press-releases/2022/americas-families-and-living-arrangements.html 

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


Original Source: How to Make Wise Financial Decisions as a Single Parent

NEW YORK, March 2, 2023 (Newswire.com) - Credello: Credit scores are critical financial tools in today's society, so it can be problematic when your credit report shows a low score. Those with higher scores statistically get better interest rates and more favorable payoff terms than those with lower scores, which could mean the difference between hundreds, or even thousands, in added-on fees and interest rates.

So if you want to repair your credit quickly, consider adding another credit card to your collection. It sounds counterintuitive, but this new card might be more helpful than you think.

Let us introduce you to the secured credit card.

What is a secured credit card?

Are you looking to fix your credit score and don't know where to start? A secured credit card may be the answer you are looking for.

Secured credit cards are designed to help people with damaged or limited credit build or rebuild their scores. They're different from traditional credit cards in that they require a security deposit, usually a few hundred dollars, which acts as collateral. This deposit is held until the cardholder is finished using the card.

The terms of use for a secured card are typically similar to those of a regular credit card, save for the deposit. You can use it just like any other credit card, make purchases at stores, online, and even pay bills. 

How a secured credit card can help rebuild your credit

Since secured cards are often easier to get than traditional ones, they're perfect for consumers with limited or poor credit histories. They also provide more flexibility regarding spending limits and can help you manage your finances.

With a secured card, you can develop a positive payment history and establish good credit habits. Plus, once you have paid off the balance of the secured card and improved your credit score, you should expect to get more competitive offers for unsecured cards and personal loans that can help you improve your score even more while still getting the money you need.

Plus, since you'll receive the deposit back after closing the secured card, you'll have a small emergency fund to start building your savings or paying off old debts that are still around.

What credit score do you need to get a secured card?

Generally speaking, secured cards are an option for those with bad or fair credit scores. If you're looking to get a secured card, aim for a credit score of at least 500, but the higher your credit score is, the more likely you are to get approved for a secured card with better terms and conditions.

To ensure that you get approved with the best terms possible, you should work on improving your credit score as much as possible before applying. That means paying off existing debts, disputing any errors on your credit report, and limiting how often you apply for new credit. 

What other options are there besides secured credit cards?

If you're not interested in getting a secured card, consider looking for a card with a promotional 0% APR on balance transfers. That way, you'll be able to transfer existing debt to a card with 0% interest and work on reducing your overall utilization, thus improving your score. However, balance transfer cards are typically unsecured and are harder to get approved for than secured cards for those with low credit scores.

Another option is a personal loan. These loans are typically unsecured (unless you can offer something for collateral) but have stricter terms and conditions than the average credit card. They can be a good option if you need quick access to cash but are unlikely to help you rebuild your credit score.

The bottom line

If you want to improve your credit score quickly, a secured credit card may be the perfect solution. With a few simple steps, you can repair your bad credit history and get the financial tools you need to build a brighter future.

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

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


Original Source: Could a New Credit Card Help Fix Your Credit Score?