NEW YORK, January 6, 2023 (Newswire.com) - iQuanti: Debt consolidation can be a great way to manage your finances and get back on track, but it's important to choose the right type of loan that best fits your needs. A personal loan can be an ideal option for those looking for debt consolidation due to its competitive rates, flexible repayment options, and convenience. In this article, we will explore seven reasons why a personal loan is the ideal choice for debt consolidation. 

Competitive Rates: One of the key advantages of using a personal loan for debt consolidation is that lenders typically offer competitive rates that are lower than those of other types of loans. This means you can potentially save money on interest and fees, allowing you to pay off your debt quicker. 

Flexible Repayment Options: With a personal loan, you can choose the repayment period that best suits your needs and budget. This allows you to set up a repayment schedule that works for you, making it easier to pay off your debt in a timely manner. 

Consolidating Your Debt: Another advantage of a personal loan for debt consolidation is that you can consolidate all your debt into one single loan. This makes it easier to manage and pay off your debt, as you are only dealing with one entity instead of multiple creditors. 

Improved Credit Score: Choosing a personal loan for debt consolidation can also help improve your credit score if you make the payments on time and in full each month. Paying off your loans on time will show lenders that you are responsible with credit, which could lead to better interest rates in the future. 

Quick Access To Funds: With a traditional loan, there may be more paperwork involved and longer wait times before funds are made available, but with a personal loan, you can typically have access to funds quickly. This makes it easier to consolidate your debt and pay off creditors fast. 

No Collateral Necessary: Unlike other types of loans, such as a mortgage or car loan, you do not need to put up any collateral in order to qualify for a personal loan. This means that you are not at risk of losing your property if you fail to make payments on the loan. 

Easy To Apply For: Finally, applying for a personal loan is usually easy and straightforward, with minimal paperwork required. Many lenders offer online applications that can be completed within minutes and will provide an answer almost immediately. 

In conclusion, there are many benefits to using a personal loan for debt consolidation, from competitive rates to the quick and easy application process. If you are looking for an effective way to manage your debt, then a personal loan could be the ideal choice for you. 

However, before taking out any loan make sure that you understand all of the terms and conditions and shop around to find the best deal. This will help ensure that you get the most benefit from your loan and make the repayment process as stress-free as possible.

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


Original Source: 7 Reasons a Personal Loan is Ideal for Debt Consolidation

Gregg Manning promoted to COO and Marco Sawrey joined ICI as VP of Sales After Another Record Year Offering Global Health, Life, and Travel Insurance to Individuals and Groups

BOSTON - January 6, 2023 - (Newswire.com)

International Citizens Insurance (ICI), the leading international insurance broker, is excited to announce the promotion of Gregg Manning to the position of Chief Operating Officer. Mr. Manning has previously served as Vice President of Operations since joining the firm in 2015. Under Gregg's leadership, the company has become the leading international insurance brokerage in the USA for individual international health insurance plans. More recently, he has helped move the company into new lines of business, including international life insurance and global group benefits. Previous to joining ICI Mr. Manning worked for a variety of companies, most significantly at Edvisors as Vice President of Product. 

The company is also happy to welcome Marco Sawrey as VP of Sales. Marco is charged with leading its growing sales teams to improve service to its global clientele while improving the team's overall performance. Previous to joining ICI, Mr. Sawrey was VP, Latin America and Global Retail Development with Syndigo. His experience also includes various roles at Amazon and Fortis Investors. 

"Our team continues to grow and get better. Mr. Manning has earned a long overdue promotion," said Joe Cronin, President of ICI. "He has been the number one reason for our growth over the last seven years, including three years in the Inc. 5,000 list of Fastest Growing Companies. Marco is another strong addition to our team and is already positively impacting performance and client satisfaction."

About International Citizens Insurance

International Citizens Insurance (www.InternationalInsurance.com) is owned and operated by International Citizens Group, Inc. The company's mission is to educate consumers on the value of global medical, life, and travel insurance while providing a resource to research, compare, and purchase plans for their relocation abroad or international trip. The company offers expatriate plans, international health insurance, international group benefits, travel insurance, and insurance for international employees. 

Contact Information:
Joe Cronin
President
[email protected]
617-500-6738


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Original Source: International Citizens Insurance; Promotions and New Hires

NEW YORK - January 5, 2023 - (Newswire.com)

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 an emergency loan. Here's what you should know about emergency loans, including how to find the right one for your financial needs.  

How do emergency loans work? 

An emergency loan is a loan that is commonly used by individuals who need unexpected funds quickly. 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 emergency loan 

Many lenders offer 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 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 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 present varying borrowing timelines. When you need cash within a matter of hours versus a few days, the decision on 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 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.  

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


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Original Source: Tips for Comparing Emergency Loans

NEW YORK - January 5, 2023 - (Newswire.com)

iQuanti: Everything about a home, from the infrastructure to the equipment that's inside, unfortunately has a limited life expectancy. On top of that, nasty weather and other unforeseen factors can also threaten damage. If something happens to your house, emergency loans can be used to help combat the situation. Here are five steps homeowners can take to finance a necessary home repair:

1. Assess the extent of the damage

The first thing you can do is determine how much damage has actually been done. A wet spot on your ceiling might seem harmless, but a closer inspection might reveal the problem is bigger and possibly a more expensive repair is needed. Though it may cost some money, hire a professional to come out and give an opinion. Ask them to ballpark how much the repairs will cost so that you've got realistic figures to work with.

2. Determine if an insurance claim is needed

Depending on the root cause of the damage, the repairs may be covered by your homeowner's insurance policy. For example, if a hole in the roof was caused by a falling tree branch during a recent storm, then you may be able to file a claim with many carriers. Take note that the deductibles for storm damage may be quite a bit more than your standard deductible. A good way to know is to read your homeowner's insurance policy and ask questions if you need clarification.

3. Explore your financing options

If your personal savings and emergency fund don't seem as if they'll be enough to cover the repair, here are a few financing options you can try:

• Credit card - You could charge the expense to a credit card while at the same time finding a new one with a zero-percent introductory rate. Transfer the balance to the one with the zero-percent APR so that you'll have adequate time to pay it off without incurring interest.
• HELOC (home equity line of credit) - HELOCs allow you to turn the value of your home into a readily accessible line of credit. Interest rates are typically much cheaper than credit cards, and the terms may also be a little more flexible (such as only having to pay back the interest for the first five to 15 years).
• Personal loan - Personal loans are generally quick and can provide you with thousands of dollars of necessary funding. Be sure to shop around for great interest rates and compare secured and unsecured options.
• Borrow from your 401(k) - If you're contributing to a workplace retirement plan and your employer allows it, then you might have the ability to borrow against your retirement savings. Participants may borrow up to 50 percent of the vested account balance or $50,000 (whichever is less), and they have five years to pay it back. This option is convenient, but it does stunt the growth potential of your nest egg.

4. Choose the right financing option

Depending on how much you need and how quickly you need it, choose the financing option that fits the situation. 

5. Make a repayment plan

Making the emergency repair and protecting your home will be your primary goal. But at the same time, it's wise to start planning how you will pay back the money. Take a close look at your budget and look for any expenses that can be reduced or eliminated.

The bottom line

Repairs will inevitably need to be made if you own a home. If an emergency comes up, get the funding you need either from credit or a loan. Don't forget to also check your homeowner's policy to see if your insurance provider may cover it.

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

Carolina Darbelles
Senior Public Relations Specialist
[email protected]
(201) 633-2125


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Original Source: How to Pay for an Emergency Home Repair in 5 Steps

HOUSTON - January 5, 2023 - (Newswire.com)

Trimera Health is offering psychiatric treatment for post-traumatic stress disorder (PTSD) patients using marijuana, or cannabis, and building an uplifting image of medical marijuana treatment in Texas. Dr. Rebecca Maxwell is an integrative psychiatrist offering holistic and innovative approaches to treating PTSD and other mental health issues. As the founder of Trimera Health, Dr. Maxwell is advancing the treatments for psychiatric disorders and now administers medical marijuana to patients who have PTSD.

The Texas Compassionate Use (TCUP) Act was enacted in 2015, granting Texans the first legal use of tetrahydrocannabinol (THC) marijuana products, solely in edible form, for patients with intractable epilepsy. Since then, the act has expanded its list of eligible patients to those with autism, cancer, and seizure disorders. In recent years, medical marijuana has played a critical role in treating PTSD since TCUP's enactment. 

"Medical cannabis may benefit patients with PTSD by alleviating the common symptoms of anxiety, insomnia, and nightmares," Dr. Rebecca Maxwell reports, "My patients have been wary of 'pot docs,' who spend five minutes with you and do not offer a follow-up treatment plan. That's not practicing medicine. Many of them are not prescribing within their specialty. PTSD and mental health disorders should be treated by a psychiatric physician."

Trimera Health strives to provide quality psychiatric care beyond that of the average medical cannabis physician. The practice offers a range of treatment options for all psychiatric disorders and continues developing new approaches to mental health care in the evolving medical world. Dr. Maxwell said, "We give an individualized, truly medical approach to cannabis by spending at least half an hour with patients during initial assessments." 

The attitudes towards medical cannabis have positively changed since the TCUP's enactment, with seven out of 10 Texans expressing their support for medical cannabis. 

"The patient's cannabis is grown right here in Texas and is regulated under strict quality controls," said Michael James, Trimera Health's director of medical cannabis operations, "It's a great thing to finally offer this treatment modality to Texans after a majority of the country has been utilizing medical cannabis for over a decade." 

Trimera Health is a psychiatric medical practice offering mental health services, in addition to alternative treatment modalities, like medical cannabis for PTSD and insurance-covered esketamine therapy for treatment-resistant depression. Since the launch of its medical marijuana program in November 2022, Trimera Health is excited to foster its growth with its patients in 2023. Dr. Maxwell said, "The general response from patients has been positive in relation to reduction in symptoms." 

Trimera Health's practice widens its services statewide, including its administration of medical cannabis, to patients beyond in-person visits via telehealth, focusing on Greater Houston and the southern suburbs. Trimera Health aspires to serve its patients the right way and address the whole person—mind, body, and spirit—to achieve complete wellness. 

For more information about Trimera Health's practices, please call 281-968-8853, or visit our website. https://www.trimerahealth.net/

Contact Information:
Michael James
Director of Operations
[email protected]
(281) 997-5515


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Original Source: Trimera Health Offers Medical Marijuana to Treat Patients With PTSD

CHARLOTTE, N.C. - January 5, 2023 - (Newswire.com)

Following a national trend in recent years, foresighted couples and singles have begun jockeying for positions on waitlists at Life Plan Communities like Southminster when they reach their late-60s or 70s, instead of their 80s. In order to embrace this evolution and remain on the leading edge of senior living in the Sunbelt city of Charlotte, Southminster has strategically analyzed and anticipated evolving demographic demand and embarked on a well-thought-out eight-year expansion journey. 

In 2020, it completed its first three-phase expansion that included Embrace Health at Southminster, a new person-centered model for higher levels of care. According to Mary Cooper, Chief Operating Officer, who championed this new model of care early on, "The neighborhood design of our small-house model ensures that residents and families always remain central to decision-making regarding their care as their needs change."

Along with this 200,000-square-foot, state-of-the-art health center, Southminster's $140 million expansion included 86 new apartments that increased total Independent Living residences by 27 percent. Southminster had been fully occupied for about four years prior to the groundbreaking, and their waitlist doubled during construction.

Never willing to slow down, Southminster has now embarked on its next strategic plan, "Driving Toward Excellence 2022-2035." It encompasses objectives ranging from diversity, equity and inclusion to technology and data analytics, land acquisition and cultivating innovation. According to Lisa McClellan, Vice President of Human Resources, "Our eye will always be on staffing and recruiting initiatives, but we are increasing our focus and energy toward employee retention and engagement. COVID took its toll on gatherings and engagement opportunities, so we are redesigning our HR priorities to fit the needs of our people."

Immediate construction within the most recent strategic plan includes renovating two dining rooms and the main corridor beginning in January 2023. Southminster will also implement a new master site plan that includes outdoor amenities such as outdoor patios and fire pits, walkways, and exercise spaces.

Part of the plan in this new era of senior living involves philanthropy and making an impact on the broader community. Tracy McGinnis, Southminster's Vice President of Philanthropy and Strategic Initiatives, reports that since its inception, Southminster's fund has distributed over $13 million in financial support to residents living on its South Charlotte campus. Since expanding its philanthropic mission more than six years ago, Southminster has given over $3 million in philanthropic support to various non-profits across Charlotte Mecklenburg. 

Southminster recently announced a collaboration with The Ivey, a Charlotte non-profit devoted to serving individuals living with early memory or cognition concerns and their caregivers through programs designed to optimize brain health for aging well. It also strengthened its partnership with The Shepherd's Center of Charlotte, a local non-profit with a mission that includes offering lifelong learning, free transportation, and Medicare counseling to seniors across Mecklenburg County.  "We believe in collaborating with like-minded organizations to accelerate impact across all generations through education, the arts, and building healthy communities in Charlotte Mecklenburg," McGinnis said. 

According to Ben Gilchrist, Southminster President and CEO, "Our living, breathing strategic plan will enable expanded services to a broader market throughout the region in the years to come. The future is bright indeed." For more information on Southminster, please visit www.southminster.org.

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


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Original Source: Southminster's $140 Million Expansion Reflects a New Era in Senior Living

A new entrepreneurial revolution is happening, and it's going to change everything. Join legendary athletes and top business coaches such as Royce Gracie, Wanderlei Silva, Chael Sonnen, Denis Waitley, Matt Morris, Ray Higdon, Erik Sorenson, Livia Fisher-Kane, Adora Evans, and more.

ALBUQUERQUE, N.M. - January 5, 2023 - (Newswire.com)

Project Uprise, an education and marketing company created with the sole purpose of fighting against child trafficking in the United States is launching this weekend, on Jan. 7 & 8. And with it, dozens of celebrity athletes, influencers, coaches and business executives are coming together to show their support.

But they are not coming out for another fundraising gala or telethon. They are building a groundbreaking collaborative business platform that offers incredible educational products, and exclusive merchandise, designed to set a new standard to implementing change in a measurable way. And the best part is, it is built to strategically fund the fight against child trafficking inside the United States.

"After over two decades working with corporate brands and for-profit businesses while at the same time working with nonprofits, it becomes very clear the changes that need to happen on a cultural level that can only gain momentum if it is attached to a self-funding business model to capture the attention and maximize returns. So we developed a system to solve that and have some amazing celebrities, business coaches, and global entrepreneurs collaborating with us. This has become a snowball and we get to override the cultural resistance to talking about the problem by empowering everyone to be a part of the solution. People are ready for massive change and we will lead it by saving the children first." - Project Uprise CEO, Livia Fisher-Kane

Livia Fisher-Kane, CEO and founder and her husband, Aaron Fisher-Kane co-founder and CSO of Project Uprise started on a journey 20 years ago. The vision was simple, but not easy: flip the script on how things are done with non profits. They started as documentary filmmakers in their early 20s' working with animal welfare nonprofits in Brazil . Their first film made such an impact that the state government of Rio started implementing animal welfare laws and incentives that served as an important seed to change in legislation across the country. Since then they have built a successful career working with celebrities and corporations, developing cultural shifts and independent business systems to scale and improve ROI. They will use the success and knowledge from these systems to grow Project Uprise.

To kick things off, Project Uprise is "launching" with a free 2 day event that counts with the likeness of legendary athletes and top earning coaches such as Royce Gracie, Wanderlei Silva, Chael Sonnen, Denis Waitley, Matt Morris, Ray Higdon, just to name a few. They have been brought together by serial entrepreneur, producer, and Chief Experience Officer for Project Uprise, Adora Crystal Evans. Speakers will be offering advice and coaching on personal and business development and how to maximize impact in 2023 together with incredible stories and powerful interviews. During the event several collaborations will also be unveiled and made available for purchase with all profits going to The Harbour Youth in Albuquerque, NM with the goal to fund their entire operations 24/7 for 12 months.

Project Uprise invests 100% of profits after taxes into strategic anti-trafficking programs such as The Harbour Youth, a drop-in center for homeless youth in Albuquerque serving as an effective interception center for victims of trafficking. Project Uprise also has a national plan for The Harbour Program working with it's director Shelley Repp.

"Our goal is to go mainstream. Is to level the field for those fighting for what is right. We need to protect our children. And people are ready to uprise and make things happen. We are going to build a culture where the most influential people, the people our kids look up to, are the ones making the biggest difference. In a real way. And that's when we truly implemented change." - Aaron Fisher-Kane, Project Uprise Chief Strategy Officer

Other programs include providing career resources to survivors and at-risk youth globally through The Uprise Academy and The Butterfly Effect Program, a sponsorship program for survivors pursuing creative careers. Project Uprise is committed to fund and support the most effective anti-trafficking programs and efforts targeting prevention, interception, rescue, rehabilitation and professional resources for at-risk youth and trafficking survivors inside the United States.

"The reason why we started with the fight against child trafficking in the United States is because it's the biggest and most urgent matter we have in our hands, and it's undebatable. By impacting that reality through a duplicatable collaborative model, we give the world the blueprint to change. That is our legacy. That's when we know we gave the world the spark and the plan they need to achieve anything. Everyone is invited. This fight belongs to all of us." - Livia Fisher-Kane

Join, support, stay connected with Project Uprise through their website www.timetouprise.com or on social @timetouprise.

Contact Information:
Michael Curtis Media
[email protected]


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Original Source: Entrepreneurs, Activists & Athletes Come Together to Show the World How to Fight for What Matters & Win