NEW YORK - December 28, 2022 - (Newswire.com)

iQuanti: Credit is an essential part of our financial livelihood. Everyone deserves access to credit options, as it impacts our ability to get approved for things like a mortgage or personal loan. So, how can you begin rebuilding your credit if you have a low credit score?

It takes time and effort but improving your credit rating and getting back on track with your finances is possible. Here are some steps you can take to repair your credit.

Get a secured credit card

Getting a secured credit card is one of the best ways to rebuild your credit. This type of credit card requires you to put down a deposit, which becomes your credit limit. Since you're borrowing against your own money, lenders see this as less of a risk and are more likely to approve you for one of these cards. Remember to set yourself up for success by only depositing what you can afford to use and making your payments on time.

Become an authorized user on someone else's credit card

If you have a family member or friend with good credit, you may be able to become an authorized user on their credit card. You'll be able to use their credit card, and their payment history will appear on your credit report, which can boost your credit score. However, if you lapse these payments, your family member or friend will have to pay back these debts for you.

Get a personal loan from a lender that reports to the credit bureaus

Personal loans can help you rebuild your credit. By making timely payments on a personal loan, you show lenders that you're a responsible borrower and improve your chances of getting approved for future loans. A lender reporting your account activity to nationwide credit bureaus can help you establish and rebuild your credit history.

Pay off your debts

One of the best ways to improve your credit score is to pay off your debts. If you have outstanding debts on your credit cards or other loans, start working on paying them off as soon as possible. The sooner you can get them paid off, the better it will be for your credit score.

Keep your credit utilization low

Your credit utilization ratio is the amount of credit you use compared to your credit limit. Keeping your credit utilization ratio low is vital to your credit score's well-being. Doing so means not maxing out credit limits, paying off debts on time, and managing different types of credit simultaneously. By doing so, lenders will consider you a responsible lender, which should reflect positively on your credit score in the future.

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: 5 Steps to Rebuilding Your Credit

MILWAUKEE - December 28, 2022 - (Newswire.com)

Northwestern Mutual: Having a second child can be a big decision that affects every family member. From added costs to how to use hand-me-downs, here are a few things for parents considering baby number two to think about: 

Impact on their firstborn

Parents considering a second child may wonder how their firstborn will feel about it. This is especially true if their first child is still a toddler. A second child can create feelings of jealousy, making it even harder for older siblings to get used to a new baby.  

Talking to an expert like a pediatrician or a child psychologist can ease the transition. It can also help to read a first child books about becoming an older sibling and talk to them about their feelings regarding a new baby. 

Financial security and stability

Parents thinking about having a second child will want to take stock of their financial situation. Do they have enough saved in an emergency fund (about six months' worth of expenses is a good general rule for this)? Have they set goals for the future and do they have a plan to save for them? With children, saving for college is a common savings goal. 

Another important part of financial planning involves a plan for the risk that a parent might not be able to earn income. Life insurance is a way that many parents plan for this risk. While no one likes to think about what would happen if one spouse were to pass away, having a plan in place can give parents the peace of mind that the family will be okay financially if something were to happen to one or both of them. 

Revisit estate planning

Parents who have an estate plan in place should consider updating it. Parents who don't have one may want to consider it. An estate plan may seem like it's only for the rich and famous, but it's a way to plan in case both parents unexpectedly pass away. Without one, a court will decide what happens to the children and who would manage any money — like from a life insurance payout that's left to them.

Establishing a new budget

From buying diapers and formula to clothes and toys, there are a lot of expenses that come along with raising a child. Parents considering baby number two will likely want to revisit their budget. 

Parents can start by taking a close look at current expenses and assessing their family's starting point. If needed, parents may need to prioritize spending to make way for some of the costs that come in the early years of raising a child.

Parents may want to consider their childcare situation as well. Will the new baby mean paying a babysitter more? Could it make sense for a parent to stay home full-time now that there are two? Some daycares offer a second sibling discount for families that have more than one child—is this an option? 

How to use hand-me-downs

Parents will want to take advantage of hand-me-downs to save money. Onesies, bathtubs, toys, and more are likely still in good condition. Getting them ready might be as simple as taking things out of storage and sterilizing them.

There are other benefits to using hand-me-downs—Reusing items is an environmentally friendly choice. A firstborn child seeing their new sibling using their old toys might feel more connected to the baby. 

Getting ready for baby number two 

There are several things to do before having a second child. Tackling financial tasks, getting hand-me-downs ready, and explaining everything to the firstborn can all make the process a bit easier the second time around. 

Contact Information:
Don Klein
Assistant Director - Field & National Grassroots Public Relations
[email protected]
1-800-323-7033


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Original Source: Northwestern Mutual: What Parents Should Think About Before Baby Number Two

Girls Nite Live is offering a free online half-hour LIVE FROM INDIA program tomorrow night. Join expert Sabah Tahilramani and learn how to leave the stress of 2022 behind and relax into the New Year.

BRYN MAWR, Pa. - December 28, 2022 - (Newswire.com)

GNL is hosting a free online special event tomorrow night at 10 p.m. EST. Join GNL founder Shelly Fisher from Philadelphia, who will host Sabah Tahilramani live from India for a magical half-hour. Sabah will teach the art of Yoga Nidra to put viewers into a state of deep relaxation. This 30-minute relaxation program will take people through this ancient form of conscious relaxation to heal and soothe the nervous system. Yoga Nidre uses the mind, intention, and focus to connect the body on a deeper level. Participants will set their intentions or 'sankalpa', which helps sow seeds of transformation in the deeper mind. Those who join can tune in from any device in a comfortable location and be guided to a night of peaceful sleep. This practice is done lying down or sitting in a chair. Suitable for all ages and abilities.

To sign up for this free program, visit www.GirlsNiteLive.com

ABOUT GNL: Girls Nite Live offers free and paid live, interactive workshops. In the last two years, GNL has hosted over 750 live interactive fun programs led by talented women from around the world. GNL is the only platform with live, interactive programming developed for women to Grow, Network and Laugh. GNL is the perfect place to unwind and have fun! Learn new skills, try original recipes, interact with professionals, while meeting amazing women from around the world.

ABOUT SABAH TAHILRAMANI: Yoga and meditation instructor Sabah Tahilramani uses an intuitive holistic approach unique to her, with a focus on personalizing diverse self-healing processes. It's all about mastering the mind-body-spirit connection and bringing it into harmony. Sabah has an educational background in psychology and ancient history. She is currently the founder of "The Self-Mastery Initiative".

Contact Information:
Lynn Angstadt
Director of PR
[email protected]
610.745.9429


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Original Source: GNL OFFERS FREE HOLIDAY GIFT - YOGA NIDRE LIVE FROM INDIA

MILWAUKEE - December 28, 2022 - (Newswire.com)

Northwestern Mutual: When approaching or in retirement, it's very common to have a desire to leave something behind. While legacy planning is often thought of in financial terms, it can include so much more.

For retirees looking to leave a legacy, options abound. Some people may choose to share their skills and knowledge with others, either through teaching or writing. Others may opt for financial support, whether through direct giving or by setting up a trust or foundation. And still others may choose to build something tangible that will benefit future generations, such as a park or community center. 

Here are a few ways to create a lasting legacy: 

Sharing skills and knowledge

One of the most valuable things anyone can offer is their skills and experience. Retirees may choose to pass their knowledge on by leading formal classes or workshops, or informally through mentoring or coaching. Whatever the method, it's a way to share knowledge and experience and help others reach their potential.

Writing it down

Another way to leave a legacy is through writing. The writing could be in the form of a memoir, autobiography, or even just a simple letter to be passed on to future generations. Whatever the format, it's a way retirees can share their lives and experiences with others.

Financial support

For some retirees, leaving a financial legacy is important. This can be done in several ways, such as setting up a trust or foundation or making direct gifts to family members or charities. Permanent life insurance, like universal or whole life insurance, is an easy way to leave a financial legacy for family or even to an organization that was important to them. 

Building something

Another way to leave a legacy is to build something that will benefit future generations. This could be a physical structure like a park or community center or something less tangible like a scholarship fund. 

Sharing their time

Retirees have wisdom and experience to offer, and one of the best ways to pass it on it is by sharing their time. This could be volunteering with an organization, or simply spending time with family and friends. 

A lasting legacy

Retirees hoping to leave a lasting legacy should consider all of their options and choose the one (or ones) that best suits their goals, values, and abilities. Whether they decide to teach, build, write, or donate, it's important to do what feels right. What matters most is that they take the time to consider what they want their legacy to be and how best to achieve it.

Contact Information:
Don Klein
Assistant Director - Field & National Grassroots Public Relations
[email protected]
1-800-323-7033


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Original Source: Northwestern Mutual: Leaving a Legacy: What to Consider

MILWAUKEE - December 27, 2022 - (Newswire.com)

 Northwestern Mutual: People with diabetes looking for life insurance coverage may wonder what the options look like. In general, people with diabetes can get a life insurance policy if their condition is well-controlled. However, they may end up paying higher rates than someone without diabetes. Factors like gender, age, the age they were when diagnosed, and the existence of any diabetes-related complications can all affect coverage. 

Let's look at some considerations for people with diabetes looking to purchase life insurance: 

Types of life insurance for people with diabetes

People with diabetes considering life insurance coverage may find themselves wondering whether to apply for a term life policy or a permanent life insurance policy, such as whole life insurance. What is whole life insurance? Whole life insurance is a permanent life insurance policy that features a death benefit with lifelong coverage, consistent premiums, potential dividends, and a cash-value component that can be accessed during one's lifetime. This differs from term life insurance, which offers lower premiums but only lasts for a specific period of time (often 10-20 years) and does not accumulate cash value. Having diabetes doesn't automatically exclude someone from permanent or term life insurance policies, and people with diabetes can potentially be approved for either. 

Type 1 vs Type 2 diabetes

A principal factor determining rates and coverage is whether the applicant has Type 1 or 2 diabetes. Type 1 diabetes, which is generally a more severe condition, always requires insulin treatment and is usually diagnosed at a younger age. This means people with Type 1 diabetes likely have had the condition longer than people of the same age with Type 2 diabetes. 

It's typically easier for someone with well-controlled Type 2 diabetes to get a life insurance policy. Although someone with Type 1 diabetes may be able to qualify for coverage — particularly a group plan, like what may be offered through work. 

Life insurance with a medical exam vs guaranteed-issue life insurance

Many insurers' policies will require a medical exam before offering coverage. While undergoing an examination may result in better rates for people successfully managing their diabetes, people with past complications or health problems may prefer shopping for a guaranteed-issue policy that does not require a medical exam. Such policies come at a cost, however, as insurers often charge higher rates to account for the increased risk. No-exam policies typically offer less coverage and higher premiums but may be a better option for people who have a health condition that may make it difficult to qualify for coverage.

Managing diabetes and life insurance rates

Managing diabetes--through diet and exercise, medication, or other factors--can help people with diabetes get approved for a policy. People with well-managed diabetes may be more likely to be approved for life insurance, and their rates may be lower than someone with poorly-managed diabetes. 

Life insurance for people with diabetes

While diabetes may make it difficult to get life insurance, there are options available. A financial advisor can help explain options and show how different types of policies fit into a larger financial plan.

Contact Information:
Don Klein
Assistant Director - Field & National Grassroots Public Relations
[email protected]
1-800-323-7033


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Original Source: Northwestern Mutual: Can People With Diabetes Get Life Insurance?

A transformative solar-rechargeable battery generator to power all your needs.

CLEVELAND - December 27, 2022 - (Newswire.com)

Never Lose Power Again. Extreme weather has created urgent needs for people throughout the country. Dory Power, a leading U.S. manufacturer of battery generators, launches its second-generation battery generator, the Dory Sentry, to help households and businesses adapt and respond to increasingly frequent and unpredictable power outages.  

The Dory Sentry is an industry-leading battery generator that backs up critical devices—refrigerators, furnaces, TVs, microwaves, sump pumps, lights, computers, cable boxes, Wi-Fi, and cell phones. The Sentry is also powerful and reliable enough to run power tools, home healthcare devices, and even aquariums. The Sentry contains advanced lithium-iron-phosphate batteries, double-certified to UL1642 and UN38.3 standards, and is rechargeable via a wall outlet or solar panels. The Sentry requires no additional fuels for use, nor does it produce emissions or noise, making the Sentry the perfect indoor power solution. 

The Sentry evolved from the first-generation Dory B2700 model. The B2700 has consistently garnered 5-star ratings on Amazon for multiple years. The first-generation Dories are widely used in households, hospitals, labs, data centers, law firms, restaurants, and universities throughout the U.S.

Dory battery generators were developed by Chris Yuan, an engineering professor at Case Western Reserve University and a world-renowned scientist on lithium-ion battery technology. "The idea for Dory came after a snowstorm and a two-day outage at my house," says Chris. "Like many people, I went on Amazon to buy a battery backup. I was stunned by the poor performance it delivered. I did not want anyone to be without power, so I started Dory Power."

As the flagship product, the Dory Sentry contains many cutting-edge technologies. The Sentry is the only battery generator on the market offering a true uninterruptible power supply, an essential function for backing up sensitive devices like computers, servers, medical equipment, and gaming devices. Dory's unique AI-driven MPEM-EIC techniques maximize power output and energy efficiency and enable the Sentry to retain its charge for over 1 year in storage. You will no longer be left frustrated and unprepared in the event of an emergency. 

The Dory Sentry is the only portable battery generator built to U.S.-quality standards for 10 years of lifespan. 2-3 Sentries can be directly linked up to double or triple your backup time, a unique function only available from Dory. The Sentry can be used as a standalone power supply, or connected to an electrical panel for whole house or office backup. A mobile app is available to monitor the Sentry's usage and stats as well.   

Currently, Dory Power is conducting a direct sales campaign, offering the best-ever discount for customers, until Dec. 31, 2022. The Dory Sentry comes with a 30-day money-back guarantee, and 2 years of warranty. A payment plan is also available.

Contact Information:
Dory Power Company
Battery generator manufacturer
[email protected]
2162646998




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Original Source: Power Outages From Extreme Weather Are No Match for Dory Power's Second-Generation Battery Generator

IRVINE, Calif. - December 27, 2022 - (Newswire.com)

Blue Sky has done it again. On a mission to help people everywhere plan to do more of what they love, the company is proud to introduce a new program dedicated to shining a light on American artists and creators. "Artisans & Makers," which launched on Dec. 25 in store and online at a national retailer, brings U.S. shoppers a unique selection of planning calendars designed exclusively by three artists hand selected by Blue Sky. Blending design and productivity, the 10-piece 2023 selection of planners features the works of illustrator Rashida Coleman-Hale, surface designer Alison Janssen Studio, and printmaker and surface designer Jen Hewett, all chosen for their talent, unique style, and contributions to the artist community.  

Rashida Coleman-Hale has been drawing ever since she could pick up a pencil. Inspired by countless childhood summers in Japan, Rashida's illustrations are colorful, playful, and graphic. Her four wirebound 2023 planners for Blue Sky's "Artisans & Makers" program feature cover designs in solid navy, solid pink, and a charming blue and white flying crane pattern. 

Alison Janssen is a Southern California-based surface designer with Midwestern roots. Her art is inspired by the sunny endless summers, a plethora of plants, and the laid-back vibe of the West Coast. She has four wirebound 2023 planners and one wall calendar and planner sheet in the program, which are adorned in butterflies and floral motifs in feminine shades of pink, green, and blue.  

Jen Hewett is a printmaker, surface designer, textile artist, and author based in the Hudson Valley. Jen's work combines her love of loud prints, 1970s maximalism, and saturated colors with the textures and light of the landscapes that surround her. Her contribution to Blue Sky's 2023 "Artisans & Makers" program is a light blue faux leather bookbound planner featuring a colorful pattern within the interior covers and a gold foil "Heart Flowers" symbol on the cover.

Blue Sky "Artisans & Makers" planners are available in various sizes dated from January 2023 to December 2023. Planners are available for purchase now through late February at a national retailer. Pricing ranges from $11.99-$16.99. Blue Sky is excited to grow their partnership with new artists each year to expand the "Artisans & Makers" program in the future. 

About Blue Sky:
The #1 selling Dated Products brand in the U.S.*, Blue Sky represents more than just a pretty planner. Recognized for its extensive array of dated planners, calendars, notebooks, and more, Blue Sky products help the millions who dream of achieving organization reach their goals, in style (hello, form and function). Blue Sky has solidified its role as a force in the lifestyle category through partnerships with top brands like The Home Edit, cupcakes and cashmere, Ashley G, and now Ivory Paper Co, who have trusted Blue Sky with bringing their unique visions to life. And the world has taken notice. Blue Sky products have been featured by media including Better Homes & Gardens, Good Housekeeping, Marie Claire, Business Insider, New York Magazine, Essence, and more. Plan to do more of what you love®. www.bluesky.com

*Source: The NPD Group/Weekly Retail Tracking Service, U.S. Dollar Sales, 52 weeks ending February 5, 2022, combined.

###

Contact Information:
ACPR for Blue Sky
[email protected]
303.876.0300


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Original Source: Blue Sky's New 2023 'Artisans & Makers' Program Spotlights Artists

Travel App Compiles Users' Data to Determine the Most Visited Canal Cruises in the World. With New York making it to top 3, after Amsterdam and Seine, Paris.

TORONTO - December 27, 2022 - (Newswire.com)

The travel app Visited by Arriving In High Heels Corporation has published a list of the top 10 most visited canal cruises around the world. While not surprising Amsterdam and Seine top the list, New York Canals come in third among all of the world's canal cruises. 

Visited, available on iOS or Android, is a top travel app with over 1 million users. Visited allows users to scratch off places they've been, discover new destinations, see their travels on a map and get personalized stats from their travels.

These are the top 10 canal cruises according to Visited:

1. Amsterdam, Netherlands is a historic and vibrant Dutch city known for its picturesque Canal Ring District, a UNESCO World Heritage site.
2. Seine River and Canals, Paris, France has popular cruises in the romantic City of Light, with options to see the Eiffel Tower, Louvre, and more from the scenic Seine River.
3. New York Canals, United States draws tourists from around the world who take sightseeing cruises along the Hudson and East rivers to see Manhattan's sleek skyline as well as the Statue of Liberty, Brooklyn Bridge, Empire State Building, and more. 
4. Copenhagen, Denmark has cruises featuring beautiful Renaissance castles, majestic churches, and historic ships. 
5. Rhine River, Europe cruises offer a journey through French and German history, with medieval castles and villages as well as serene natural views.
6. Danube River, Europe winds through 10 countries and includes cultural tours through Budapest and Vienna as well as cruises by medieval villages and castles.
7. Nile River, Egypt features cruises into ancient Egypt, passing by the magnificent ancient pyramids, temples, and tombs. 
8. Niagara Gorge, Canada attracts tourists from around the world to see the majestic Niagara Falls. 
9. Mekong River Cruises highlight unique sites in Asia, with cruises through Thailand, Cambodia, and Vietnam.
10. Douro River Cruises showcase natural beauty and fine wine in the lush landscapes of Spain and Portugal.

To see the complete list of the most popular canal cruises and over 50 top ten lists of the most popular travel destinations worldwide, download Visited on iOS or Android. 

To learn more about the Visited app, visit https://visitedapp.com. 

About Arriving In High Heels Corporation

Arriving In High Heels Corporation is a mobile app company with apps including Pay Off Debt, X-Walk, and Visited, their most popular app.

Contact Information:
Anna Kayfitz
CEO
[email protected]


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Original Source: New York Makes It to the Top 10 Most Visited Canal Cruises as per Visited App's International Users