iQuanti: Emergencies happen every day. From an injury to an unexpected repair, no one is immune from an emergency expense arising from time to time. Ideally, an emergency fund can help to cover these expenses, but there are other options when you don't have the cash available. One of those options in a time of need is a poor-credit emergency loan. Here's what you should know about emergency loans for bad credit, including how to find the right one for your financial needs.
How do emergency loans for bad credit work?
An emergency loan for bad credit is a loan that is commonly used by individuals who need unexpected funds quickly and don't have a great credit score. While there is no single scenario where an emergency loan is necessary, it is designed to provide immediate relief on a short-term basis. Because of this, emergency loans are known to have higher interest rates and associated fees with the expectation that they're paid back relatively quickly.
Picking the right poor-credit emergency loan
Many lenders offer poor-credit emergency loans in one form or another. A few key characteristics can help you to compare your options to understand which is the right choice for you:
Repayment terms
Some emergency loans for bad credit will require you to repay the loan more quickly, while others may allow you to pay off the loan over time. For instance, your repayment for a cash advance is typically due in two to four weeks. Meanwhile, an installment loan provides a larger sum of money that you'll pay back over several months or years. Before settling on a loan, consider how much time you'll reasonably need to repay the borrowed amount.
Interest rates and fees
One of the greatest deciding factors when it comes to choosing an emergency loan for bad credit is the interest rates and fees. Some lenders charge higher fees and interest on borrowing amounts, depending on the loan type. Comparing loans will be easier if you can directly look at the costs associated with borrowing from different lenders.
How fast you need the cash
Different types of emergency loans for bad credit present varying borrowing timelines. When you need cash within a matter of hours versus a few days, deciding which emergency loan you choose makes a difference. Some personal loans may take a few days for approval and a couple more for funding. On the other hand, a same-day loan can get you the funds you need within a matter of hours.
The bottom line
With so many poor-credit emergency loan options out there, taking the time to consider which option is right for you can save you a headache in the end. By weighing the features of each, from the cost to borrow to the repayment terms, you can ensure that you'll get the funds you need without the hassle of choosing the wrong loan.
BUC-EE'S HILLSBORO TO EXPAND THE BRAND'S PRESENCE IN NORTH TEXAS
HILLSBORO, Texas - January 10, 2023 - (Newswire.com)
Buc-ee's, home of the world's cleanest bathrooms, freshest food and friendliest beaver, will break ground on its new travel center in Hillsboro, Texas, on Tuesday, Jan. 24, 2023. The start of construction will be celebrated at 1 p.m. CST with a ceremony attended by local leaders.
Located at 165 State Highway 77, Buc-ee's Hillsboro will occupy 74,000 square feet and offer 120 fueling positions. Buc-ee's favorites including Texas barbeque, homemade fudge, kolaches, Beaver Nuggets, jerky and fresh pastries will all be available. Visitors will find thousands of snack, meal and drink options, as well as the same award-winning restrooms, cheap gas, quality products and excellent service that have won the hearts, trust and business of millions in the South for 40 years.
Attendees of the Buc-ee's Hillsboro groundbreaking ceremony will include Mayor Andrew Smith of Hillsboro along with members of the Hillsboro City Council, as well as Hill County Judge Justin Lewis and the Hill County Commissioners Court.
Founded in Texas in 1982, Buc-ee's operates 44 stores across Texas and the South. Since beginning its multi-state expansion in 2019, Buc-ee's has opened travel centers in Alabama, Florida, Georgia, Kentucky, South Carolina, and Tennessee. Now, Buc-ee's is headed West with store groundbreakings in Colorado and Missouri.
"Hillsboro is one of the best forks in the road we've ever seen, and they have a beautiful, historic courthouse as a bonus!" said Stan Beard of Buc-ee's. "Whether you're headed to Fort Worth and West Texas or Dallas and East Texas, you can make Buc-ee's your stop, coming and going. The City of Hillsboro and Hill County have been such great partners, and we look forward to being a great neighbor for years to come."
Throughout the project, Buc-ee's corporate development team will continue to work closely with local partners including the City of Hillsboro and Hill County. Buc-ee's Hillsboro will bring at least 200 jobs to the area, with starting pay beginning well above minimum wage, full benefits, a 6% matching 401k, and three weeks of paid vacation.
About Buc-ee's Buc-ee's is the world's most-loved travel center. Founded in 1982, Buc-ee's now has 34 stores across Texas, including the world's largest convenience store, as well as 10 locations in other states. Buc-ee's is known for pristine bathrooms, a large amount of fueling positions, friendly service, Buc-ee's apparel and fresh, delicious food. Originally launched and still headquartered in Texas, Buc-ee's has combined traditional quality and modern efficiency to redefine the pit stop for their customers. For more information, visit www.buc-ees.com.
SafeDefend, LLC, the nation's leading provider of comprehensive crisis management solutions, and Findlay City Schools announced today that all staff in the Findlay City Schools organization will be receiving active shooter and crisis management training on Friday, Jan. 13.Findlay City Schools has adjusted the school calendar to be able to provide staff with this valuable training. Dr. Greg Vecchi, Phd, FBI (ret) is the Director of Training for SafeDefend. His experience as the former Chief of the FBI Behavioral Science Unit has been instrumental in developing the most effective, evidence-based, active killer response training available. Dr. Vecchi not only understands the best practices for crisis management and mitigation, but has deep understanding of the behaviors associated with active killers. Staff will be provided training on the SafeDefend system installed recently in Findlay City Schools as well as have an opportunity to engage in scenarios utilizing the SafeDefend system in coordination with Findlay City law enforcement, Findlay City fire, and first responders. The staff will be provided a full day of training to help prepare them to evacuate, evade or engage in an active shooter or life-threatening situation. Findlay first responders are working closely with Findlay City Schools and SafeDefend to provide emergency operation plans to facilitate the coordination of response for any crisis at a school.
"The Findlay City Schools are absolutely at the forefront of school safety. Providing the real-time notification and training that SafeDefend provides combined with their focus on a coordinated and effective law enforcement, fire, and EMT response puts Findlay City Schools as one of, if not the most, safe and prepared school districts in the country," Jeff Green, President of SafeDefend.
"Findlay City Schools has an unwavering commitment to ensuring academic excellence and the safety of staff and students is paramount. Implementation of SafeDefend helps continue our work to ensure that our schools are safe places for learning and growth." Mrs. Krista Crates-Miller, Interim Superintendent, Findlay City Schools.
"I am excited to bring our training to the staff at Findlay City Schools. Although I hope and expect that staff will never have to be involved in an active killer or life-threatening event, the training will empower staff to manage the crisis until help arrives and put them in the best position to ensure everyone gets home safely should it ever happen." Dr. Greg Vecchi, PhD, FBI (ret), Director of Training, SafeDefend,
"SafeDefend coupled with the training on Jan. 13 highlights our commitment to the safety of our students and staff here at Findlay City Schools. We are proud of our proactive approach to providing this additional layer of safety and security, which is an expectation of every parent that trusts us with their child. However, we go much deeper with the partnership to provide a comprehensive notification and response package that is not only a model for communities moving forward but has brought everyone to the table to preplan available resources, communication, and pre-deploy and preassign those roles and responsibilities. All law enforcement, fire, EMS, and others in the community that have a role have these plans, and we are thankful to have this partnership and are proud of our collaborative efforts. The execution of this community-wide tactical plan takes shape and is noticeable in the trainers that will be involved on Jan. 13." Mr. Matthew Cooper, Findlay School Board President, and Findlay Fire Department Battalion Chief.
Findlay City Schools has partnered with SafeDefend to bring this training to their staff and are working together to create the model of school safety for school districts across the country.
Contact Information:
Jeff Green
President, SafeDefend, LLC [email protected]
913 856 2800
Kelly Young
Findlay City Schools Media Contact [email protected]
(567) 250 5021
Dentists nationwide can now qualify for free hotel accommodations when attending a live in-person Glidewell continuing education course in California or Kentucky.
IRVINE, Calif. - January 10, 2023 - (Newswire.com)
Glidewell Clinical Education is introducing a new promotion for free hotel accommodations for those who attend a live course in one of their state-of-the-art training centers in Irvine, California, or Louisville, Kentucky. This offer aims to relieve some of the financial load for attendees who are not local to the education centers.
One of those facilities is the brand new flagship Glidewell Clinical Education Center located within the Glidewell campus in Irvine, California. "With more dentists seeking in-person training than ever before, we recognized that we needed to expand our facility," says Dr. Neil Park, vice president of clinical affairs at Glidewell. This elite training center features spacious meeting areas, modern amenities, and fully equipped operatories and surgical suites for live surgical and restorative demonstrations. Located within the Glidewell campus, the 10,360-square-foot education center was designed for hosting an array of continuing education (CE) programs, including hands-on workshops, lectures and symposia.
Dr. Park adds: "With our new education center, we're happy to be able to host an array of affordable, practical, cutting-edge CE programs on implant dentistry, restorative dentistry, dental sleep medicine and more." These live courses provide attendees access to world-class presenters, a firsthand look at various dental techniques and valuable hands-on experience that lets them incorporate their new skills into their practices right away.
With this new free hotel stay promotion, Glidewell aims to extend its educational outreach to dentists around the nation. This offer is available with the payment of a doctor's full tuition for any in-person course at Glidewell facilities in Irvine, CA, and Louisville, KY, only. One-day courses are eligible for one free hotel night and two-day courses are eligible for two free hotel nights with the hotel selection being at the sole discretion of Glidewell.
Glidewell has continually added new educational resources for dental practitioners since its establishment in 2011. In addition to live courses, dentists can earn CE credits from weekly webinars, online CE courses and Glidewell's Chairside Magazine, which readers can access in print and online.
For a full list of upcoming live courses in 2023, clinicians can visit glidewellcecenter.com. To register for the free hotel promotion, doctors must call 866-791-9539. To learn more about the different clinical education resources available at Glidewell, clinicians can visit glidewell.com/education or call 866-791-9539.
Contact Information:
Eldon Thompson
Sr. Director of Marketing [email protected]
NEWPORT BEACH, Calif. - January 10, 2023 - (Newswire.com)
Volume 17, Issue 2 of Chairside® magazine, now available in print or online at chairsidemagazine.com, gives dental practitioners a close look at important topics in the industry today. These topics range from restorative case studies to the latest trends in dental technology, research and education.
This edition features a special Q&A with industry giant, Dr. Gordon Christensen, founder and CEO of Practical Clinical Courses® and cofounder and CEO of Gordon J. Christensen Clinicians Report®. Readers will learn from his insights on everything from his research in Clinicians Report to his advice for young dentists getting started today.
"It is very exciting to feature an interview with Dr. Christensen in this issue, as he has a truly unique voice and perspective on where we currently are as an industry and where we are headed," said Andy Klein, managing editor of Chairside magazine. "With more than 47 years of unbiased research, he is someone who always has relevant advice."
Glidewell Clinical Education has also made great strides in 2022. In addition to highlighting the Glidewell Clinical Education Center's grand opening, the magazine features Glidewell's Guiding Leaders 2022 program. This nonclinical, business- and leadership-development initiative for practicing women dentists provides life-changing training for 25 participants. Those interested in learning more about the program for 2023 get a special look at how it has impacted recent graduates.
This issue's clinical highlights include case reports for a full-arch implant restoration, a full-mouth esthetic restoration and a study of how in-office milling was able to impact the quality of life for one young patient. The contributor of the latter report, Dr. Michael Buck, demonstrates how "giving patients a new smile can be much more than a cosmetic change … it's an opportunity to restore their self-esteem and give them a chance to pursue their full potential."
"On top of an array of clinical cases and practical business advice, clinicians can also earn four hours of free CEUs aimed at increasing success in their practices," said Klein.
Contact Information:
Eldon Thompson
Sr. Director of Marketing [email protected]
Headlined by 21 Savage, Diplo, and Lil Jon, the 4x Super Bowl Champion Will Bring His Legendary End-Zone Dance Moves to the Beach-Themed Day Party and Musical Festival Mainstage; Tickets and WYNN Nightlife VIP Tables on Sale Thursday, Jan. 12, at 10 a.m. MT: Pre-Register Now
Rob Gronkowski Returns to Big Game Weekend Gronk Beach presented by The Beast Unleashed, the First Adult Beverage From Monster Brewing, Takes Place at Talking Stick Resort, Saturday, Feb. 11
4X Super Bowl Champion Rob Gronkowski knows a thing or two about Big Game Weekend and this year, he's competing for the MVP of Fun at the return of his personally curated music festival Gronk Beach presented by The Beast Unleashed,the first-ever adult beverage from Monster Brewing. The former University of Arizona star will have a homecoming of sorts, celebrating the biggest weekend in sports with the ultimate beach party and music festival taking place at the legendary Talking Stick Resort, Scottsdale's hottest entertainment destination, on Saturday, Feb. 11, beginning at 12 p.m. Produced by Medium Rare, with headliners 21 Savage, Diplo, and Lil Jon, Gronk Beach will continue to raise the bar, bringing unparalleled Gronk family energy to Phoenix. Tickets and WYNN Nightlife VIP Tables will be available via presale on Thursday, Jan. 12, beginning at 10 a.m. MT at GRONKBEACH.com. Register for tickets now.
Grammy Award-winning rapper 21Savage will head to the pool as co-headliner for the event. 21 Savage, alongside Drake, put out a Billboard #1 album in late 2022 and, since entering the scene in 2016, Savage has gone platinum — 16 times. Performing with 21 Savage at Gronk Beach is Grammy-winning superstar DJ DIPLO and hip-hop icon Lil John. Founder of global dancehall group Major Lazer, the critically acclaimed DJ has racked up dozens of industry award nominations and taken home three Grammy awards and three iHeart Radio Music Awards. Known for his part in creating the popular southern music and lifestyle movement of Crunk, Lil John is one of the most recognizable icons in music and pop culture. In addition, DJ Irie, Bijou, and Sommer Ray will round out the lineup.
With prices starting at $199, all tickets will include a six-hour open bar, complimentary bites, and the greatest views of the legendary headliners. All general admission tickets, VIP tickets, and WYNN Nightlife VIP Tables can be purchased online at GRONKBEACH.com beginning this Thursday. Adding to the excitement, Gronk Beach fans will have the first opportunity to sample The Beast Unleashed, an all-new adult beverage from our friends at Monster. As the presenting partner of this year's Gronk Beach, The Beast will unleash many unforgettable experiences, including an epic onstage cheers moment with Gronk himself.
With massive cultural impact, Gronk Beach has sold out thousands of tickets in minutes in both 2020 (Miami) and 2022 (Las Vegas) while attracting major talent, including The Chainsmokers, Kaskade, Rick Ross, and GORDO (Carnage), as well as celebrity attendees such as Bill Belichick, Lizzo, Julian Edelman, Nate Diaz, Travis Kelce, and so many more. As the most over-the-top poolside party of all time, Gronk Beach has garnered media from the Official Super Bowl Pregame Show on Fox, ESPN, CNN, Forbes, Sports Illustrated, CNBC, Barstool, The Late Show with James Corden, and more.
Gronk Beach presented by The Beast Unleashed 2023 will be no different — blitzing the competition once again. With dedicated poolside cabanas and bars featuring custom beverages from the likes of Monster Energy, Licor 43, and Teremana Tequila, sponsored experiences and activations, luau performers, and musical superstars, Gronk Beach will quickly become the "must attend" event of Big Game Weekend. For those looking to experience the biggest competition of the weekend outside of the game itself, guests will have to look no further than the Corona-sponsored celebrity volleyball game taking place on Saturday at Corona Beach.Live from the Corona pool, this volleyball game will test celebrities such as Gronk himself as they go head-to-head in an epic game of volleyball in the water.
"You may not see me playing in the big game this year, but there's one thing I'm not retiring from and that's having a great time. You'll get what you expect from me (and more) at Gronk Beach — great music, flowing drinks, lots of dancing, and basically the most exciting event of the weekend outside of the Big Game itself," said Gronk. "Thanks to the support of The Beast Unleashed, guests can expect great performances by some of my favorite artists in the world, including my pals Diplo, 21 Savage, Lil Jon and more."
Monster and all-new flavored malt beverage The Beast Unleashed are proud to present Gronk Beach. Featuring custom experiences, bars, giveaways, and activities, The Beast will keep the party going. Fans looking to be among the first to sample The Beast can head over to The Beast Bar experience or step out of the sun and recharge at the Monster Energy activation located near the pool. Beyond celebrating its VIP release, The Beast will take over the mainstage with a custom "cheers" moment led by the Gronk Beach event host, Gronk himself. Grab a can and raise your hands — here's to the greatest Gronk Beach yet.
"Everyone's favorite energy drink, Monster, is turning 21, so we figured why not celebrate by making our first adult beverage," says Renold Aparicio, VP of Monster Equity Brands. "To make The Beast Unleashed, we brewed up the smoothest-tasting alcohol, hit delete on the caffeine and sugar, then blended it with Monster's tried-and-true flavors. We can't wait to unleash The Beast for the first time at Gronk Beach before it is released this month in select states across the country."
Corona embodies "La Vida Más Fina" or "The Fine Life" as a modern expression of the brand's lifestyle. Corona is proud to partner with Gronk Beach to curate memorable consumer experiences across the event. Introducing an over-the-top Corona Beach activation featuring a pool, volleyball, photo moments, and more, Corona will ensure all fans ages 21 and older find la vida más fina in Phoenix. Amongst the sand and pool at Corona Beach, an epic celebrity volleyball game will take place. Featuring Gronk, Camille Kostek, and other celebrities to be announced, this epic game of volleyball will put our favorite celebrities head-to-head in the biggest game outside of the Big Game.
Talking Stick Resort is a premier destination for entertainment in the Valley. The AAA Four Diamond resort is located in the heart of Scottsdale where guests are submerged in the beauty of Sonoran Desert, yet minutes away from downtown. Dining, live entertainment, luxurious amenities and non-stop casino action are just a few features that make it a haven for guests.
Dwayne "The Rock" Johnson's ultra-premium, small-batch tequila Teremana® Tequila is headed to Scottsdale with the Mana Mobile truck. Continuing its mission to share gratitude via food and drink, the rolling envoy will be serving complimentary chips and guacamole, along with delicious tequila cocktails, and branded giveaways.
As a returning partner of Gronk Beach, Emsculpt Neo will enable fans to kick back and get sculpted at the Emsculpt Empower Lounge featuring Emsculpt Neo and Emface sessions. Breakthroughs don't happen by accident. They happen with persistence, dedication, hard work, and a desire to become a stronger and more confident you. Whether you wish to kickstart your fitness routine or want to obtain a competitive edge,Emsculpt Neo can help you tone up your face and body, build muscle, burn fat and deliver the rough equivalent of 12-16 weeks of HIIT training over four sessions. Sounds too good to be true, but it's not.
As an official partner of Gronk Beach, Licor 43 will incorporate custom cocktails and activations throughout the event including the buzzworthy Casa de Carajillo, which will feature over-the-top cocktail creations all using Licor 43. From Carajillos to "mini beers," Casa de Carajillo will be one of Gronk Beach's most visited poolside attractions.
Wrangler®, a global denim icon of 75 years, will be returning as the official denim sponsor of Gronk Beach. Throughout the event, Gronk and Camille Kostek will be sporting custom vests crafted from Wrangler jean jacket. Wrangler VIP guests will have the opportunity to customize their favorite denim (jackets, jeans, shorts — you name it) within the VIP area with Wrangler's signature laser printer. With Gronk Beach patches and a variety of customization options from the brand, fashion and football fans alike can find their perfect denim look. To line up your perfect Gronk Beach outfit, check out Wrangler.com.
Pit Viper is the world's leader in party-ready eyewear, apparel, and accessories. Polarized, safety-rated sunglasses designed with the optimal blend of style and performance, Pit Viper is the obvious favorite for fun-loving athletes like Gronk and the most fashionable NFL fans. As a brand that pairs best with celebrations, Pit Viper will return to the Beach to present the Pit Viper Champagne Shower — put on your Pit Vipers and get ready to make it rain at this year's Gronk Beach Party. Pit Viper: DEMAND RESPECT AND AUTHORITY.
For more information about Gronk Beach presented by The Beach Unleashed or to purchase tickets or WYNN Nightlife VIP Tables, visit www.GronkBeach.com. Follow on social at @GronkBeach on IG and Twitter.
Future Hall of Famer and 4X Super Bowl Champion Rob Gronkowski teamed up with Medium Rare to create Gronk Beach. The festival brings Gronk's eccentric personality to life, combining a high-end beach party with Rob's favorite musical artists, amazing food, drinks, interactive performers, and more. After announcing an all-star lineup featuring Diplo, Kaskade, Rick Ross, and Flo Rida, Gronk Beach 2020 sold out 3,000 tickets in just 10 minutes and was the most-talked-about daytime event ever at Big Game Weekend. With over four billion media impressions, Gronk Beach was covered by nearly every media outlet in the country including Fox's Super Bowl broadcast, cementing Gronk as one of the most-talked-about players of Super Bowl Weekend without even playing in the Big Game.
About Medium Rare
Lauded events, experiential, and management company Medium Rare works at the intersection of Sports & Entertainment, partnering with well-known athletes and brands to create iconic media properties, including Shaquille O'Neal's Fun House, Daymond John's Black Entrepreneurs Day, Guy Fieri's Restaurant Reboot, The Sports Illustrated Awards, Rob Gronkowski's Gronk Beach, and more. Creating and executing iconic IP and events that draw in millions of views and fans from around the world, Medium Rare also reaps industry accolades. Recognized with six Webby Awards, Medium Rare founders Joe Silberzweig and Adam Richman are Forbes 30 Under 30 alumni and have graced the Pollstar Next Gen and Variety New Leaders lists in 2020 and 2021, respectively. Industry innovators, the team has overseen successful launches and NFT campaigns for groups including The Golden State Warriors and the Preakness Stakes, shattering sales records in each category. The group's world-class production is balanced by its growing management division, overseeing careers, tours, and partnership deals for some of the most celebrated artists and athletes, including Gordo (formerly DJ Carnage), DJ Diesel aka Shaq and Rob Gronkowski. For more info, visit www.Medium-Rare.com.
About Talking Stick Resort
Talking Stick Resort is a AAA Four Diamond rated resort located just east of the Loop 101 Freeway and Talking Stick Way in Scottsdale, Arizona. In addition to relaxing in one of the 497 deluxe rooms and luxury suites, guests will enjoy several upscale amenities, including a rejuvenating spa; six world-class restaurants; live entertainment lounges; a 240,000-square-foot gaming floor; a high-limit lounge and poker room; three pools and more than 100,000 square feet of indoor/outdoor meeting space. For more information on Talking Stick Resort, please visit www.talkingstickresort.com or call at (480) 850-7777.
Mid-Carolina OB/GYN is proud to soon offer 3D and 4D elective ultrasound technology for expecting parents in 2023.
Beginning Jan. 10, 2023, patients can book 3D or 4D ultrasounds in the Raleigh-Durham area. Patients from or near the Triangle can enjoy the experience of a private 3D or 4D ultrasound. Once an expensive and inaccessible service, each 3D/4D package offers reasonable prices for priceless first looks and moments as a parent. Select services also allow patients to take home keepsake black-and-white 2D photographs.
3D and 4D technology emerged 10 years ago and continues to gain traction among patients as a safe way to gain insight into their baby. 3D ultrasounds offer three-dimensional images of a patient's baby with more detail than a typical 2D photo. 4D scans and ultrasounds show "live" shots of a developing baby's movements, like opening and closing their eyes or kicking. Both services allow parents to sneak a unique look at their baby prior to the due date and promote a bonding experience unlike any other.
Whether patients want to throw a gender reveal or are just curious about their baby's growth, Mid-Carolina OB/GYN happily offers several 3D and 4D ultrasound services, including the following packages:
"Precious Baby Peek" (7 to 14 weeks): Includes up to 10 minutes of a 3D or 4D peek of movement and heartbeat. $50 for a single child, $75 for twins.
"Gender Reveal" (15-21 weeks): Includes up to 15 minutes of 3D or 4D for a gender reveal as well as black and white photos in 2D. $80 for a single child, $120 for twins.
"Who Do I Look Like" (22-36 weeks): Includes up to 20 minutes of detailed 3D or 4D glimpses of the baby with five 2D black-and-white photos to take home. $100 for a single child, $150 for twins.
Appointments for 3D or 4D ultrasounds are available Tuesdays between 5 p.m. to 7 p.m. Patients can book by calling the office or using the Patient Portal.
Standard medically necessary and diagnostic ultrasound appointments, such as Anatomy and Nuchal Translucency screenings, can be scheduled during normal operating hours.
About Mid-Carolina OB/GYN
Mid-Carolina OB/GYN offers a variety of services with 10 board-certified and experienced OB/GYN providers. Their services range from standard gynecological check-ups to robotic surgery with the innovative da Vinci surgical system.
Mid-Carolina also offers aesthetic services such as Botox, fillers, and laser hair removal with trained medical professionals as opposed to day spas or parties where uncertified technicians perform the procedures.
New and existing patients can book appointments up to three months in advance with the Patient Portal.
For more information about Mid-Carolina OB/GYN and their ultrasound and other services, visit www.midcarolinaobgyn. Or call 919-781-5510.
Fidelity Life: According to the Wall Street Journal, life insurance premium volume surged by 20% in 2021, meaning many people either got new policies or increased their existing coverage in the wake of the pandemic. However, this boom is slowing down as vaccines roll out and society returns to normal. Another Wall Street Journal article indicates that applications fell by 6.5% annually in mid-August 2022.
Society may be moving past the pandemic, but that doesn't mean life insurance should be ignored. This article will dive into several reasons people should get a life insurance policy despite the fading pandemic-era boom and cover several policies to consider.
Reasons to get life insurance despite the fading pandemic boom
Although the life insurance pandemic boom is fading, there are still plenty of reasons to consider life insurance:
It financially protects loved ones
The death benefit is the main advantage life insurance offers. If the policyholder passes away during the policy term, their beneficiaries receive a large death benefit that can replace the policyholder's income and pay off their debts. In addition, the world continues to face economic uncertainty despite moving past the pandemic, so this death benefit can provide policyholders and their families significant peace of mind.
It's more affordable when bought younger
Life insurance rates increase with age. So, the earlier someone buys it, the lower the premiums they can lock in. Plus, as life insurance demand cools off, policies may be more affordable in general.
It can help with estate planning
Life insurance death benefits are tax-free in most cases, and that can include being exempt from estate taxes. So, policyholders can use the death benefit as a way to pass more of their wealth to their heirs. When the policyholder passes away, the heir receives all of that death benefit tax-free instead of inheriting taxable cash or assets.
Policy types to consider
Here are some life insurance policies that prospective policyholders might want to consider:
Term life insurance
Term life insurance covers the policyholder for a fixed period, usually 10 to 30 years. Premiums are affordable, given the size of the death benefit. However, policyholders must renew or buy a new policy to continue coverage if their current policy expires.
Permanent life insurance
Permanent life insurance covers the policyholder for their entire life. It also comes with a cash value growth component that grows tax-deferred at a fixed interest rate. The cash value is funded by part of each premium the policyholder pays.
Policyholders can withdraw from the cash value or borrow against it with favorable terms once it gets big enough. If they surrender the policy, they can receive the full cash value minus surrender charges.
Guaranteed issue life insurance
Guaranteed issue life insurance is a small permanent life policy with no medical exam or health questions. This type of life insurance with no medical exam also comes with cash value.
That said, guaranteed issue life insurance policies may come with lockout periods of one to two years. If the policyholder passes away during this period, their loved ones may only receive a refund of the premiums they paid.
Final expense insurance
Final expense insurance is a small permanent life insurance policy for end-of-life costs like funeral expenses and medical bills. The death benefit is small, but premiums are affordable, and the policy can build cash value.
The bottom line
Despite the end of the pandemic-era life insurance boom, it's never been a better time to get a policy. The death benefit provides financial peace of mind and can help policyholders with estate planning. Plus, the earlier one buys life insurance, the lower the rate they can lock in.
Life insurance shoppers on a budget can opt for term life insurance if they need a larger death benefit or final expense insurance if they just need to help loved ones cover end-of-life costs. Meanwhile, permanent life insurance can work well for people who want lifetime coverage and may have more complex financial needs.
Keep in mind that shopping around is important, regardless of the policy type one is looking for. Getting multiple quotes helps policyholders compare and get the best rates on the coverage they need.
Gold Houseand CAPE (Coalition of Asian Pacifics in Entertainment) debuted the third annual Gold List to guide voters ahead of the awards race by honoring the most outstanding work by Asian filmmakers and talent in the past year, as voted on by the community's top creatives and leaders.
The groundbreaking Everything Everywhere All At Once leads with wins for Best Picture, Original Screenplay, Director (Daniels), Performance in a Leading Role (Michelle Yeoh), and Performance in a Supporting Role (Ke Huy Quan), with several honorable mentions.
International hits RRR and Decision to Leave garnered five major category honors each, with RRR winning Best Original Song for "Naatu Naatu." Pixar's Turning Red earned Best Animated Film; David Siev's Bad Axe leads for Best Documentary; Dolly De Leon and Stephanie Hsu won for Breakout Performance; and Joyland won for Breakout Independent Film.
In a year where Asian-helmed films continue to reach massive commercial success — from Everything Everywhere All At Once landing as A24's highest-grossing film and Turning Red launching as Disney+'s most-watched film premiere — the Gold List urges recognition by Hollywood's biggest awards gatekeepers.
Academy Award wins for Michelle Yeoh or Ke Huy Quan would make history — no person of East, South or Southeast Asian descent has ever won Best Actress, and the last (and only) actor of Asian descent to win Best Supporting Actor was Haing S. Ngor in 1984.
"Since its inception just two years ago, 15 Gold List honorees have gone on to receive Academy Award wins or nominations," says Jeremy Tran, Executive Director of Gold House. "Chloé Zhao, Youn Yuh-jung, and Riz Ahmed's history-making wins, to name a few, underscore why vehicles like the Gold List that celebrate the most impactful creative achievements from and among the Asian community are essential signals that generate new creative development, production, and distribution opportunities for traditionally unrecognized communities."
"The tides of authentic representation and storytelling are gradually and steadily turning as illustrated by this year's impressive list," said Michelle K. Sugihara, Executive Director of CAPE. "While incredible films and performances led by diverse artists have long existed, they were often overlooked by Hollywood. The Gold List was created to accelerate much-needed change during the awards season by highlighting the year's best Asian-led films across mainstream and grassroots campaigns."
Amplifying Asian talent during the awards race builds upon the cultural consultation, talent fellowships, and #GoldOpen movement from the two organizations — collectively ensuring the authentic portrayal of Asian Pacific stories while propelling them to the top of the box office, including hits like Crazy Rich Asians and Parasite.
The Gold List spans 14 categories and, for the first time, adopted gender-neutral acting categories. Leaders from the Gold Open Advisory Council, Gold House, CAPE, and other entertainment industry heavyweights comprise the voting body.
SpendMend's latest product release helps hospitals achieve better insight and precision analytics in their cost-savings strategies for purchased services spend.
GRAND RAPIDS, Mich. - January 10, 2023 - (Newswire.com)
SpendMend, the leading provider of solutions to optimize the cost-cycle for the healthcare industry, today announced the delivery of InvoiceROI™ 2.0, a platform that drives cost-savings across purchased services spend at major hospitals and health systems throughout the U.S.
The upgraded technology, which automates the identification and categorization of line-item detail more deeply than any prior industry solution, enables end users to capitalize on new cost-savings strategies with an updated dashboard, advanced OCR, an enhanced analytics engine, and a widely expanded reporting suite.
Prior to the release of the InvoiceROI™ technology solution, hospitals, and healthcare systems have struggled to gain a complete and detailed view into their total annual purchased services spend. To date, traditional industry tools have provided only generalized data. The latest release of the SpendMend technology represents a drastic shift away from ratio to precision benchmarking.
Clients using the new technology receive aggregated digital access into invoice-level detail to expedite and simplify the comparison of terms and transactions across spend categories and sub-categories. The enhanced system automation performs an exhaustive end-to-end review of total spend without the need for excessive staff time and research. As a result, hospitals gain deeper visibility and insight, which drives better reach and accuracy in their cost-savings strategies.
"InvoiceROI™ has the ability to quickly take utilization and usage trends," states Luis R. Martinez, VP of Supply Chain, Cornerstone Healthcare Group. "The advanced platform has empowered our hospitals to re-negotiate new agreements resulting in deeper cost reductions than we ever thought possible. This includes consolidating contracts and service providers across multiple hospitals in different regions."
"The motivation to create the platform came from over 20 years working with top hospitals across the U.S.," states Lisa Miller, Managing Director of SpendMend Purchased Services and inventor of InvoiceROI™. "We are proud to deliver a software solution that grants C-level leadership better insights and clearer direction on cost-savings opportunities throughout purchased services spend at their hospitals."
InvoiceROI™2.0 is currently in production with existing SpendMend clients and generally available for U.S. hospitals and health systems with no limitations or restrictions. Existing clients will still have the option of leveraging SpendMend's highly specialized experts to maximize the benefit of the new solution.
About SpendMend
SpendMend is the leading provider of tech-enabled, cost-savings solutions in the healthcare industry. Combining the use of data, proprietary technology, and rigorous analytics with its healthcare focus and expertise, SpendMend partners with healthcare networks to expose the dark data to improve and optimize their costs in meaningful and collaborative ways. SpendMend's mission is to help its clients improve their patient care through innovative cost-savings solutions.
Contact Information:
Kylee Savage
Marketing Manager [email protected]
616-257-8331
