Stouffer Legal Brings Expert Estate Planning Services to Annapolis Community

ANNAPOLIS, Md., February 3, 2023 (Newswire.com) - Stouffer Legal is proud to announce the opening of its new office in Annapolis, Maryland. With this expansion, the firm is eager to serve more of Maryland and extend its presence into the bay area. The new location is situated conveniently on Defense Highway right off Route 50.

Stouffer Legal was established in 2013 and is a premier estate planning law firm serving families in Maryland. With a focus on providing expert guidance and compassionate support, the firm assists families with the legal aspects of estate planning, probate, estate & trust administration, and Medicaid planning.

At Stouffer Legal, the team of experienced attorneys understands the importance of securing a family's future and is dedicated to helping clients navigate the complex world of estate planning. With a commitment to excellence and a deep understanding of the law, the firm provides personalized legal solutions tailored to meet each client's unique needs.

Many of Stouffer Legal's attorneys have roots in the Annapolis area, including Partner Alex Housley. Alex is a driven and affable attorney who practices exclusively in estate, trust, probate, and elder law in Maryland. With a Bachelor of Science degree in Criminology from Towson University and a Juris Doctorate from the University of Baltimore School of Law, Alex brings a wealth of knowledge and expertise to Stouffer Legal.

Prior to joining the firm, Alex worked at a firm handling civil litigation for real estate disputes and transactions, where he passionately advocated for and negotiated on behalf of clients in and out of the courtroom. With his knowledge and experience in real estate, Alex is a valuable asset to Stouffer Legal.

Alex is dedicated to helping families through the estate planning process, with a mission to ensure that clients and their families can learn from his experiences.

In his free time, Alex enjoys spending time with his wife and three kids and cheering on the Ravens and Orioles.

Stouffer Legal is excited to bring its high-quality legal services to the Annapolis area and looks forward to serving the community with the same level of expertise and commitment to clients that it is known for.

For more information on Stouffer Legal, please visit its website at www.stoufferlegal.com.

Contact Information:
Tasha Neiman
Director of Business Development
[email protected]
(443) 470-3599


Original Source: Stouffer Legal Expands Presence in Maryland With New Office in Annapolis

NEW YORK, February 3, 2023 (Newswire.com) - iQuanti: Like it or not, the financial world judges you based on your credit score. Your FICO credit score is a number (ranging between 300 and 850) that represents your creditworthiness, or how likely you'll be able to repay the lender. Read on to learn what a FICO score is, what factors can influence it, and how you can improve yours.

How your FICO score works

A FICO score is the credit rating determined by the Fair Isaac Corporation, a data analytics company that originally developed credit scores. FICO uses credit history reported to the major credit bureaus (Experian, Equifax, and TransUnion) to determine how reliable of a borrower you'll be. 

You may be wondering if there's a difference between a FICO score vs. credit score. Your FICO score is a specific type of credit score. It's the most widely recognized and used by many lenders in their application decisions.

However, FICO is not the only type of credit score. Competitors such as VantageScore can also be used to determine your creditworthiness. When checking your credit score, it's important to know whether the number being reported is your FICO score, VantageScore, or some other variation.

What factors affect my FICO score?

FICO's website makes it clear what data from your credit history is used when calculating your credit rating. This can be summarized into five major categories:

• Payment history (35%) - Were your payments on time and meeting the minimum requirements?
• Amounts owed (30%) - How much of your total available credit are you using?
• Length of credit history (15%) - How old is your oldest active credit line?
• New credit (10%) - How often have you applied for new lines of credit?
• Credit mix (10%) - How many different types of credit do you have (credit cards, retail cards, a mortgage, other installment loans)?

How to improve your FICO score

Raising your credit score is rooted in practicing good, responsible financial habits. Here are a few tips you could use to increase yours.

• Set your payments up for autopay. That way they'll always be paid on time and in full.
• Use your credit modestly. Many experts recommend keeping your credit utilization ratio, the amount of credit that you've used divided by your credit limit, to 30 percent or less.
• Don't cancel old credit cards. Though it can seem counterintuitive, leaving old credit cards open that don't have an annual fee will actually add to your length of credit history and positively impact your credit score.
• Apply for new credit sparingly. Each new credit inquiry will count against your credit score. Only apply when it's necessary.
• Maintain a mixture of credit lines. It's okay to have multiple loans and credit cards. Lenders like to see that you can manage multiple lines of credit.

The bottom line

FICO scores are the most recognized and widely used type of credit score. They're calculated by taking input from your credit history and using it to determine your creditworthiness. You can improve your credit score by practicing good financial habits, such as paying your bills on time and using your credit lines moderately.

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


Original Source: A Beginner's Guide to Your FICO Score

NEW YORK, February 3, 2023 (Newswire.com) - iQuanti: Moving is a big deal, and with a thousand moving parts, it's easy for the stress to begin pouring in. While some things can be helped, such as starting to pack early, there are plenty of issues that can't be prevented, such as the cost. 

The reality is that between closing costs, furnishing, or even gas to get to your new place, the price of moving can go well beyond what meets the eye. If you're getting ready to move and are thinking about getting a moving loan, here is everything you need to know, including some ways to use moving loans. 

What is a moving loan?

A moving loan is a type of personal loan that is designed to cover the cost of moving. 

Moving loans are the perfect solution for an individual or family who is having a difficult time funding their move out of pocket. Not only can this loan provide funds quickly, but many are also usually unsecured, which can mean an easier buying process all around. 

How to use a moving loan

Here are just a few ways a moving loan can be used to make your moving process that much easier:

1. Hiring professional movers

Whether you're moving to your first home or a fifth sublet, the process can seem daunting. One way to make moving a little easier is with a professional moving company. These companies are designed to take a lot of the work off your plate, making it easier for you to focus on what matters most: adjusting. Oftentimes, these movers will pack up, transport, and unpack or unload your belongings. 

2. Furnishing your space

Moving but don't quite have the funds to make the space yours yet? You may want to consider using a moving loan to help cover the needs and must-haves. Keep in mind that every dollar borrowed is one that will need to be paid back, so only use the loan for necessary expenses to begin with. Then, as funds become available, you can purchase additional pieces for the space where needed. 

3. Paying a security deposit or closing costs

Moving comes with a lot of unexpected expenses. If you're moving to a new home, there may be a number of closing costs or hidden fees to get services started. When it comes to renting, that can also mean covering a security deposit. A moving loan can give you the funds you need so that you can pay for the closing costs or security deposit without worry.

4. Renting a moving truck

For those brave movers taking more of a DIY approach, renting a moving truck may be in the cards. But with a blanket cost and additional expenses for things like mileage and gas, it can become expensive. If you don't quite have the funds to make the move, consider using a loan to cover the cost of the moving truck. 

5. Moving materials 

For those that need to pack up their own belongings, a moving loan can help cover the cost of the materials. From boxes and tape to blankets and mattress covers, these materials can start to add up in cost, but they aren't something that you'll want to skip on as they help protect your items. 

The bottom line

Moving is an exciting but expensive process. A moving loan can help to make the process easier, taking some of the burdens away from all parties involved. This guide helps to provide a few examples of how a moving loan can help you to meet your goals while making the process as smooth as possible. 

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


Original Source: 5 Ways to Use a Moving Loan

California Skateparks-designed Aljada Skatepark hosts world's best on their road to Paris.

VISTA, Calif., February 3, 2023 (Newswire.com) - The world's best skateboarders are performing their newest tricks this week at the massive Aljada Skatepark in Sharjah, UAE. Designed and built by California Skateparks, Aljada is hosting the World Skate 2022 World Championships for both Street and Park disciplines. After the new Champions are named next week, Aljada will remain as a permanent skatepark serving local youth.

"The facility is unique and has beginner, intermediate, and elite competition-level Street and Park courses and covers almost 90,000 square feet (8,360 square meters)," said California Skateparks VP Bill Minadeo. "This is an amazing opportunity for local youth to interact with the world's best skaters and host incredible events, like the World Championships."

The World Skate 2022 World Championships is a key qualifying event for the Paris 2024 Olympics. While the Street skaters have already competed in one qualifier in Rome last Summer, Sharjah will be the first chance for the Park skaters to earn important points to qualify for Paris.

This weekend the Street skaters have their chance to earn the World title, with the Finals in the Men's and Women's competition taking place. The Street course at Aljada features a mirrored core section, with identical elements such as stairs and rails providing equal opportunity for both goofy- and regular-stance skaters to perform. The outer perimeter of the course includes more free-form features, allowing skaters to explore opportunities for unique tricks and combinations.

Next week, the Park competitors have their turn and attention will shift to the massive bowl, which differs from recent competition bowl designs. The traditional single deep end is replaced by two nearly 10-foot (3-meter) deep ends on opposite sides of the bowl. To take full advantage of that, a long, sloping channel flows into the bowl from the deck, allowing skaters to begin their routines with maximum speed. The volcano flyover feature included in the Olympic Park course has been replaced by a hip/transfer section extending into the bowl from the side, instead of being the bowl's centerpiece.

Both the street course and competition bowl are the result of the California Skateparks design team's nearly two-decades experience creating elite competition courses. In consultation with many athletes competing in Sharjah, the designers modified traditional contest elements and complemented them with new features that match the skaters' growing level of competitiveness and evolving style of tricks. From early practice footage seen from Sharjah, evidence suggests that the California Skateparks design team got it right, including social-media posts showing how much fun visiting pros are having at Aljada. Which is great news for Sharjah's local skaters.

For more information about the World Skate 2022 World Championships, visit www.worldskate.org/skateboarding.

To learn more about California Skateparks, visit www.californiaskateparks.com or contact Bill Minadeo: [email protected]

Contact Information:
Bill Minadeo
Vice President
[email protected]


Original Source: Top Skateboarders Converge on Sharjah UAE for World Championships

NEW YORK, February 2, 2023 (Newswire.com) - iQuanti: Cashier's checks and money orders are certified funds — payment guaranteed to clear when you use it. You can pay for the cashier's check or money order ahead of time and get a piece of paper representing the payment. You then pay with the cashier's check or money order. Then, the company that sold you the cashier's check or money order transfers the money. Doing this prevents bounced checks and insufficient funds since you already paid.

All that said, cashier's checks and money orders differ in several ways. These differences make each one suitable for distinct situations. This article will compare a cashier's check vs. money order by defining each and looking at their benefits and drawbacks.

How do cashier's checks work?

Cashier's checks are a type of official check issued by banks and credit unions. When you buy a cashier's check, the institution draws funds from your savings or checking account to cover the amount plus the issuing fee and then signs and issues you a check. You can then use the cashier's check for your purchase.

Pro: Available in large amounts

Policies differ between banks, but cashier's checks generally don't have a limit on the amount you can get one for. As a result, cashier's checks can often be used for larger purchases.

Pro: More secure

In general, cashier's checks are considered to be more secure than money orders. They are offered only by banks and are used for large purchases, so they come with additional security features to guard against fraud.

Con: Only available at banks and credit unions

You can get cashier's checks at banks and credit unions, but you also must have an account with that bank or credit union to do so. You can visit a bank branch to get a cashier's check or go on their online website to order one.

Con: More expensive

Many banks sell cashier's checks for no lower than $10. Some may sell them for even more. This is a substantial fee simply for accessing your money, so make sure you must use a cashier's check for the specific expense.

How do money orders work?

Money orders are another form of certified payment available at banks and credit unions, but also supermarkets, convenience stores, and several other locations. You can purchase a money order by paying the amount you want plus an issuing fee with cash, debit card, or traveler's check. You generally can't use credit cards since those are forms of debt. If you do, it may be treated as a cash advance. Upon purchase, the issuer hands you a check representing that money order. When you pay someone with the money order, the issuer transfers funds to the payee.

Pro: Widespread availability

Money orders are sold at many locations that you might visit regularly. Some places you can purchase a money order include:

• Western Union
• Banks/credit unions
• Convenience stores
• Gas stations
• Post offices
• Supermarkets

Pro: Cheaper

Money orders tend to cost no more than $2 to $3. This makes them more affordable than cashier's checks. Plus, since they're available at more locations, you have more room to compare costs and find the cheapest money order provider.

Con: Lower limits

Money orders are generally available for up to $1,000. Many money order providers won't let you purchase a money order larger than this. For larger purchases, you'll have to buy multiple money orders and pay the fee each time.

Con: Must be bought in person

Money order issuers must verify your identity, which can be hard to do over the Internet. So, keep in mind that money orders are rarely, if ever, available online. On the other hand, cashier's checks are only available at banks and credit unions, but you can often buy them online since you'll have a bank account with the bank already.

The bottom line

Both cashier's checks and money orders are certified funds. Each one's specific features suit them for different situations. Cashier's checks generally offer large amounts and higher security but cost more and are only available at banks and credit unions. So, cashier's checks can be excellent tools for putting a down payment on a home or car.

Meanwhile, money orders are cheaper and available at numerous locations. However, they're only available for up to $1,000 in most cases. As a result, money orders can be helpful for paying bills or placing a deposit on an apartment. Make sure to weigh these features against your specific expense to decide whether a cashier's check or money order fits your needs best.

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


Original Source: Cashier's Check vs. Money Order: Pros and Cons

NEW YORK, February 2, 2023 (Newswire.com) - iQuanti: There are certain times in life when waiting for your next payday just isn't possible. If you need extra funds to cover essential or emergency expenses right away, a same-day loan can be an easy and quick option. Read on to learn about how emergency same-day loans work and some expenses they can help cover:

How do emergency same-day loans work? 

An emergency same-day loan is a loan where the funds are transferred to your bank account the same day you apply for them. This is not as rare as you might think. Several online lenders offer same-day funding for installment loans, cash advances, and title loans, provided you submit your application early enough during the day. Better yet, you may not need good credit to get approved for an emergency same-day loan.

When do you need a same-day loan? 

Here are some financial situations where getting a same-day loan may make sense: 

1. Your bills are due

Getting a shut-off notice from the utility company classifies as an emergency need. If the date on that notice is tomorrow, you need funds in your bank account today. The same holds true for phone bills or cable and internet bills. Mobile phones and Wi-Fi can be essential services, especially if you work online or from home.

2. Your car payment is late

Falling too far behind on car payments could initiate a collection action that eventually leads to a car repossession. That's not a position anyone wants to be in. An emergency loan can help you make that overdue payment and possibly an extra payment to give you some breathing room. 

3. You have a medical emergency

Medical emergencies are always unexpected and often traumatic in ways that go beyond your financial needs. A larger same-day loan like an installment or title loan could help pay for the medical bill and other related expenses like prescriptions or co-pays. 

4. Your car needs repairs 

Paying for an unexpected car repair is not something that can wait a week until you get paid again. Auto repair shops want their money when you pick up the car. Without it, you're looking at public transportation or rideshare to get yourself back and forth to work. Thankfully, same-day loans can help you pay for this expense right away. 

5. The cupboards are bare

Everyone needs to eat, and running out of food is one of the more urgent emergencies on this list. If you're short on funds for groceries, a same-day loan to get you through to the next paycheck could solve that problem. Use an emergency loan option like a cash advance to go to the grocery store and buy what you need. 

The bottom line

Waiting until tomorrow to have funds in your bank account is not always an option. Emergency same-day loans can help when bills are due, car payments are late, if there's a medical emergency or car repair, and when you run out of food. Consider getting a cash advance, title loan, installment loan, or other emergency loan to meet your immediate financial needs today. 

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


Original Source: 5 Instances Where Emergency Same-Day Loans Can Come in Handy