NEW YORK, February 9, 2023 (Newswire.com) - iQuanti: Expecting a child can be one of the most thrilling and joyous times in your life. Whether you are birthing, adopting, fostering, having a child via surrogacy, or welcoming them into your home in another way, it is important to prepare your home and to be as ready as you can before embarking on such a life-changing and wonderful adventure. 

Here are some tips to help you get ready:

Have a plan

Having a plan in place can help ease the stress you might face. In addition to having a hospital bag packed and a birthing plan (if applicable), there are other ways you can prepare. You may want to review your medical insurance to see what expenses are covered under your plan. How will you add the child to your insurance once they arrive? 

It can be helpful to think through how you will handle the lifestyle changes that come with having a child. Are you and your partner on the same page about parenting decisions, such as when to start solid foods or whether/when you'll go back to work after having the baby? What about sleep training? Have you decided how you'll divide responsibilities? Have you let your employer know about parental leave? 

Prep your home

Preparing your home before the child arrives is vital. If you are welcoming a baby into your home, is the nursery ready? Is your house as babyproofed as possible? If the child is older, is your home ready for a toddler? Have you thought about childproofing sharp edges and corners on tables and counters? Have you put childproof covers on electrical outlets and door handles? Are there any plants, objects, cords, medications, cleaning supplies, or choking hazards that the child could reach? If you have pets, is their food out of the child's reach? Have you thought about childproof gates for stairwells, doorways, and other places? Having a well-prepared household can help to avoid accidents and ease your mind as you bring the child into your home.  

Prep your budget

Preparing your budget can help you get ahead of any expenses that might come up as you get ready. It may help to chart out your budget and your routine monthly expenses. These expenses can include mortgage, rent, utilities, car and transportation-related payments, savings and retirement contributions, and emergency funds to child-related things like diapers, formula, clothing, strollers, and childcare. Ensuring you have an accurate and well-planned budget can help you to be financially ready for your child.  

Consider life insurance

Life insurance is another thing to consider as you are expecting your child. Many new parents choose affordable term life insurance policies to ensure that, should they pass away suddenly or unexpectedly, their family and loved ones will have financial assets to help care for the child. Much like preparing your home and budget, life insurance is another way that you can prepare as you bring a child into your life. 

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


Original Source: Expecting a Child? Here's How to Get Ready

NEW YORK, February 9, 2023 (Newswire.com) - iQuanti: When someone needs cash in a hurry, they may want to consider a same-day direct deposit loan. This is a short-term loan where the lender will deposit the funds into the borrower's bank account the same day they're approved. Cash advances and title loans are classic examples of these loan types.

While direct deposit loans can offer immediate financial relief, there can be some potential pitfalls if the borrower isn't careful. Below are some of the pros and cons of getting direct deposit same-day loans.

Benefits of same-day loans

Here are some advantages of getting a same-day loan:

Immediate funds

Nothing beats the speed of a direct deposit loan. Generally, when applicants are considering options like cash advances or title loans, they don't have time to wait for the bank or underwriting to get back to them. Direct deposit same-day loans solve this problem by giving the applicant the quick funding they require, often within minutes of applying.

Flexibility

There are very few barriers to getting approved for a same-day direct deposit loan. Many lenders are willing to work with applicants with poor credit histories and those who have higher debt-to-income ratios than a conventional loan might allow.

Easy to apply

Given that many same-day direct deposit loan providers have an online presence, this makes the application process even easier than before. There's no need for customers to make the time to go to a local retail branch, wait to speak to a representative, and then find out whether they were approved for an online loan. All of this can be done from the convenience of the borrower's own home via a smartphone or computer.

Drawbacks of same-day loans

In exchange for the speed and flexibility of direct deposit same-day loans, there are some caveats the applicants need to be aware of:

Higher interest and fees

When compared to traditional loans or even credit cards, some same-day direct deposit loans charge higher interest and fees. While this can cause the borrower to pay more for the loan, borrowers can limit this amount by settling the balance before the contracted due date.

Short payback terms

Unlike conventional loans, which give borrowers years to make payments, same-day direct deposit loans must be paid back within a shorter amount of time - typically only a few weeks or months. For some borrowers, it can be difficult to find the money they need to pay them back. This is why same-day loans should always be considered a temporary fix and not a long-term solution.

The bottom line

There are many advantages and disadvantages to getting a same-day direct deposit loan. On one hand, they offer quick relief and have flexible requirements. However, they also charge relatively high fees and must be repaid quickly, so borrowers should keep these factors in mind before applying.

Applicants who would like to explore their options further should consider Advance America loan options. Advance America offers quick and easy same-day direct deposit loans with easy applications and instant approval decisions. Go to AdvanceAmerica.net to fill out an application today.

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


Original Source: Pros and Cons of Direct Deposit Same-Day Loans

WEST HOLLYWOOD, Calif., February 9, 2023 (Newswire.com) - Luminaire is pleased to announce the launch of Wentz, the eponymous brand founded by Brazilian designer Guilherme Wentz. To celebrate the partnership, Luminaire is hosting an opening reception and exhibition on February 15 in the Los Angeles showroom entitled "Terra Brasilis," which explores the inspirations, nuances, and technicalities in the designer's work. Guilherme Wentz will be present to further discuss his work with those in attendance. In addition to the Los Angeles launch, all Luminaire design experience centers will represent pieces from the Wentz collection.

With a simple and contemporary perspective, Wentz balances the casual and complex in his designs by contrasting the familiar with the imaginative. With his brand, he further explores the notion of his distinctive Brazilian culture to create transformative environments composed of products rooted in nature and the spirit of place.

The alluring collection features a strong sense of materiality. In the upholstered pieces, technical research into fabric development has led to bespoke solutions tailored to the designs using their We-Knit textile. This particular fabric, woven from virgin polyester and recycled ocean plastic, is created using a computerized 3D-weaving technique. Developed by the clothing industry, it allows an entire slipcover to be created in one continuous piece, pre-shaped to match the product's form. The pieces are then hand-fitted and finished with thread made of recycled plastic. Wentz has trademarked this innovative process which yields seamless, surprising shapes.

ABOUT LUMINAIRE
Luminaire is a platform for discovery that brings into focus the stories beyond the surface of design to explore the nuance and poetry found within the work of the creative minds who enrich the world through good design. The company's unwavering commitment to creating environments that affect people's lives has helped make Luminaire one of the world's leading design, education, and experimentation platforms. It's a journey that began in 1974, born of a desire to curate a sanctuary for design discovers that both inspires and incites curiosity. From Luminaire's roots in Miami, with showrooms in Coral Gables and the Design District, the company has expanded with spaces in Chicago, Los Angeles, San Francisco, and Menlo Park.

ABOUT WENTZ
Born in Caxias do Sul in the South of Brazil in 1987, Guilherme Wentz began an education in business before endeavoring on a new creative path studying products. Soon after graduating, Wentz received the IDEA Brazil Award for his first product in the market, the Officer desk. He received further recognition with the iF Design Award in 2013 for the K Collection for Riva. With his notoriety increasing, Wentz ventured on his own with his design studio and soon moved his studio to São Paulo.

Contact Information:
Douglas McClellan
[email protected]

Cintia Ferro
[email protected]
Related Files
Press Release_Wentz at Luminaire.pdf



Original Source: Brazilian Design Brand Wentz Launches at Luminaire With Opening Reception on February 15

NEW YORK, February 9, 2023 (Newswire.com) - iQuanti: When it comes to getting flexible financing on demand, borrowers can choose between two options: a line of credit and a credit card. Both can provide account holders with safe and secure access to a relatively large sum of money. However, one may be better suited than the other for borrowers with less than favorable credit. Here's how bad-credit lines of credit and credit cards work and which type may be right for a poor-credit borrower:

How lines of credit work

A line of credit is a flexible online loan that lets someone access funds from a lender up to a certain limit. Borrowers may use as much or as little of these funds as needed, and a variable interest rate applies to the balance starting from the date of purchase. Depending on the line of credit, the minimum payment may be either interest only or also include some of the principal that was borrowed.

Lines of credit can come in several forms, including:

• Revolving lines of credit: The amount of money that can be borrowed replenishes at the end of each month.
• Personal lines of credit: The amount of money that may be borrowed slowly diminishes and does not replenish. As the loan gets paid back, the borrower will eventually use all the funds that were originally made available to them until the account is eventually closed.

Note that many lines of credit don't issue a card as the credit card companies do. Typically, the funds from the credit line are electronically transferred to the borrower's bank account. This allows borrowers to write checks or use their debit card to make purchases conveniently.

How credit cards work

A credit card is a plastic card that lets people make purchases online or in store. Unlike a line of credit, where interest charges begin as the funds get used, credit cards typically do not accrue interest if the statement balance is paid in full and on time each month with some exceptions such as cash advances. This makes credit cards similar to an interest-free short-term loan, if you pay the balance in full at the end of each month. If the cardholder does not pay off their balance in full, however, it will roll over into the next credit cycle and the entire balance will typically begin to incur a daily variable rate of interest.

For the most part, credit card holders can only use the funds available to them by buying items in person at store locations or by providing their number to online merchants. Although both lines of credit and credit cards are subject to substantial regulation, regarding required disclosures as well as permissible fees and interest, the specific requirements differ in some respects between the two.

Which is better for poor-credit borrowers?

Between credit cards and lines of credit, applicants with poor credit histories may find they'll have more success applying for a line of credit. Many conventional credit cards require a very good credit rating. And those who want more lucrative credit cards with travel perks and cash-back rewards often find they need to have an excellent credit rating.

By contrast, many lenders offering lines of credit are often more flexible about their credit score requirements. In fact, Advance America approves borrowers with most credit score levels and financial backgrounds.

The bottom line

Credit cards and lines of credit can allow people to have flexible access to funds. Although both options give account holders the ability to spend money on an as-needed basis, credit cards offer a short grace period where interest will not be charged as long as the balance is paid in full. However, they often also require a higher credit score. So, applicants with poor histories may want to focus their attention on a line of credit where they'll have a better chance of getting approved.

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


Original Source: Line of Credit vs. Credit Card: Which is Better for Poor-Credit Borrowers?

NEW YORK, February 9, 2023 (Newswire.com) - iQuanti: At long last, the day has come when your child has left the nest. Although you've planned carefully for this moment, it's hard to believe that it's finally here. This is an exciting time in your child's development and means some big adjustments for the whole family. You've built your life around being a parent for so long, and it's easy to be nervous, sad, and uncertain about the future. But it's possible to make the transition easier for both you and your child—new beginnings don't have to be scary! Here are four things to do when your kid first goes off to college.  

Acknowledge your feelings

You've raised them from the time they were in diapers, and now they're on their own: taking the next big step in preparing for their future, becoming adults, and realizing their dreams. The house is quieter than it's ever been, and it's normal to feel a sense of loss and absence and to struggle with your purpose. Acknowledge your feelings and trust that they're a part of the process. Sending your child off to college is an accomplishment to be celebrated and a significant milestone in your life. Give yourself grace and compassion, allow yourself space to adjust to your new normal, and trust that you're right where you should be. 

Give them space

Your child is entering a new world with opportunities and freedoms they've never experienced. They're learning to survive on their own, become independent, make big decisions, and spread their wings. It can be hard to give them the space they need to learn from their mistakes, but it's important that you let them grow and thrive on their own terms. You've put in the work and shaped them to be the person they are today. Trust in what you've given them, take a step back, and cheer them on as they shine.  

Make plans

You have more free time than you've had in years—celebrate it! Reach out to your friends to organize lunch or dinner plans, test out that new recipe you've been wanting to try, start working on your golf swing or yoga practice, tackle your reading list, and spend some time taking care of you.

Organize your finances

It's natural that your child going away to college can raise some financial concerns. You've set some money aside, but unexpected expenses always pop up. Planning for how you'll pay tuition in the future and navigating bumps in the road doesn't have to be stressful. This may be a good time to examine your budget and plan for the year ahead. Consider all your sources of funding. For example, if you have a universal life insurance policy, you may want to consider using the cash value to help with tuition fees, room and board, and textbooks—everything your budding scholar will need. 

The primary purpose of permanent life insurance is to provide a death benefit. Using permanent life insurance accumulated value to supplement retirement income will reduce the death benefit and may affect other aspects of the policy.

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


Original Source: 4 Things to Do While Your Kid is Away at College

SAN DIEGO, February 9, 2023 (Newswire.com) - Shoreline Recovery Center and sister center Park Mental Health's priority is creating a new focus on healing the family system; there's a huge emphasis on teaching parents boundaries when it comes to involvement in their adult kid's life during meetings with therapists who show them how to set healthy boundaries.

"We have a program on enabling that's offered within family support sessions," said Craig Burson, Shoreline's Director of Business Development. "The program focuses on client accountability and also helps develop peer accountability among clients by building personal relationships with them."

It's natural for loved ones to help loved ones during difficult times. Unfortunately, the lines are frequently blurred between helping and enabling when it comes to those struggling with mental health and addiction, creating more hurt than help and prolonging the healing and recovery process due to codependency.

Although enabling often comes from a loving place, the generosity often encourages the behavior of the person struggling to engage in unhelpful behaviors and patterns. It's a pattern well-known in the world of addiction and substance abuse. Instead of holding their children accountable to their recovery and boundaries set by treatment centers or therapists, a parent's shame and guilt takes over and they give in once again. This is a cycle that prolongs healing, recovery, and self-sufficiency. Sometimes, enabling leads to someone not ever being able to recover.

"Enabling is one of the main reasons people don't get well," said Mikayla Weathers, LMFT and program director at Park Mental Health. "It often gets in the way of the tools we teach clients so they can heal from their mental health struggles and/or addiction."

The majority of the patients at Shoreline Recovery Center and Park Mental Health have been enabled to a high degree through their 30s. This can result in difficulty trying to find a job, housing, general safety, security and ultimately decreases the ability for someone to launch into adulthood and self-sufficiency. Weathers states, "When someone is not self-actualized, it often leads to shame and low self-esteem, which triggers a relapse cycle and or mental health crisis."

"Many times, parents give into requests for cash and other things during treatment thinking they are helping to comfort their loved one," Weathers said. The reason this happens includes wanting them to feel comfortable and having guilt related to abandonment. Some even choose to ignore the problem entirely to avoid conflict.

Every other week both facilities hold a virtual family support group that involves psycho education for parents on setting boundaries with their children so they understand the behavior is common but that it's very harmful towards healing. They also learn coping skills and techniques that set them up for success and lead to a path of their own recovery from enabling. 

The facilities also offer relapse prevention plans for enabling behaviors during the discharge process.

Contact Information:
Steven Esparza
Chief Executive Officer
[email protected]
6193631368

Craig Burson
Business Development Director
[email protected]


Original Source: San Diego-Based Shoreline Recovery Center and Park Mental Health Create New Emphasis on Programming That Addresses Enabling Behavior for Improved Addiction Recovery

WILLIE'S PFLUGERVILLE SOFT OPENING RAISES TOTAL OF $3,000 FOR PFLUGERVILLE POLICE DEPARTMENT NONPROFIT AND PFLUGERVILLE ISD

PFLUGERVILLE, Texas, February 7, 2023 (Newswire.com) - Willie's Grill & Icehouse officially opened its doors in Pflugerville, Texas, on Friday, Jan. 20. In a big-hearted move that underscores the definitively Texas brand's commitment to its communities, Willie's Pflugerville turned days one and two of its soft opening into two local fundraisers: On Jan. 20, proceeds went to the Pflugerville Police Department's nonprofit organization L.E.A.P., and on Jan. 21, cash raised went to Pflugerville Independent School District. Both organizations received checks for $1,500 each. 

The highly anticipated Pflugerville outpost is the 19^th in the state for the Texas-based, Texas-grown Willie's, as well as the seventh location to feature an expansive full bar. The addition underscores Willie's reign as the region's top family-friendly haven, where a renowned scratch Texas kitchen and casual icehouse vibes offer wholesome fun for parents and kids.

At the Willie's Pflugerville ribbon-cutting ceremony, led by the Pflugerville Chamber of Commerce on Friday, January 20, local leaders, including members of the Pflugerville Chamber as well as uniformed and off-duty police officers, joined the celebration to accept the donations for their respective organizations. Willie's community outreach assumes a variety of forms. In addition to ongoing philanthropic efforts, Willie's presence in Pflugerville has also created more than 100 quality, local jobs. A job at Willie's has a bright future: Willie's actively promotes and hires from within, believing every position has the potential for long-term career growth.  

"We are so happy to make our mark on Central Texas here in Pflugerville," said Greg Lippert, CEO of Willie's Restaurants. "We were welcomed in with open arms and we look forward to a continued partnership and becoming a part of the fabric of this incredible community." 

Located at 19200 Colorado Sand Drive in Pflugerville, Willie's Pflugerville is defined by the same mouthwatering menus, sprawling open-air patio spaces, and genuine friendliness that have endeared the brand to families for almost three decades. Retractable glass garage doors facilitate easy movement between outdoors and Willie's colorfully decorated interior, rooted in vintage-inspired nods to the Texas icehouse tradition. Outside games, 18 massive flat-screen TVs, and ample seating beckon, providing plenty of room for relaxing, watching a game, and reconnecting with family over classic dishes always made from scratch, served with inspired craft cocktails, local brews, and more.

Willie's Pflugerville is open Monday through Thursday, 11 a.m. to 10 p.m.; Friday and Saturday, 11 a.m. to 11 p.m.; and Sunday, 11 a.m. to 9:30 p.m.

IMAGES BY KEIRA HAND: https://www.dropbox.com/sh/wcq98hghe3218l2/AAC09DMcf5I98yW5q6SpxRaLa?dl=0

Contact Information:
Rachel Austin
Publicist
[email protected]


Original Source: TEXAS HEAVYWEIGHT WILLIE'S GRILL & ICEHOUSE DONATES THOUSANDS AMIDST PFLUGERVILLE GRAND OPENING