NEW YORK - December 20, 2022 - (Newswire.com)

iQuanti: Throughout 2022, the Federal Reserve has been hiking interest rates at an unprecedented rate. While this is intended to curb inflation, many economists expect that it will eventually have a negative impact on business and cause the economy to slow and unemployment to rise. If you're worried about this happening, then here's how to prepare for a recession and get your finances in order.

1. Don't panic

The first thing to remember about recessions is that they're normal. The economy is cyclical, moving from boom to bust and back every few years. While things like high unemployment and a falling stock market can be scary, they don't last forever. Since 1950, the average recession has been about 17 months long. During a recession, you should hold tight and ride out the storm until it passes.

2. Make sure your budget is in order

During a recession, money could get tight. There's a chance that your investments may not do very well, and your employer may not be giving out any raises or bonuses. Before this happens, it may be a good idea to start trimming the fat from your spending wherever you can. Check any bank and credit card statements for anything that could be eliminated. If you have any major purchases upcoming, consider delaying them too.

3. Build up your emergency fund

Part of what makes a recession scary is the fact that it generally results in higher unemployment. Even those who get to keep their jobs may be forced to take unpaid time off to help the business alleviate its losses.

If this happens, then you're going to need money to get you through the next couple of months. Many financial experts recommend that every household builds up an emergency fund. An emergency fund is a cash account worth three to six months of living expenses. By having this available, you won't have to turn to high-interest debt to get by.

4. Raise your credit score

Even with a lean budget and fully stocked emergency fund, what do you do when a major unexpected expense comes along that you're not prepared to handle? The answer is that you may have to apply for a loan, so you'll want to make sure that your credit score is in good shape.

Start by checking your FICO Score for free using a service like Experian and looking over your report to make sure it's error-free. At the same time, commit to practicing good credit-building habits such as:

• Paying your bills on time and in full
• Keeping your credit usage lower than 30 percent of your limit
• Not closing your oldest accounts
• Not applying for too many credit cards or loans at once

5. Stick to your investment plan

When the stock market drops right before and during a recession, your natural reaction may be to stop contributing to your retirement plans altogether. But don't do this. Remember that the classic investment mantra is to "buy low, sell high." While the market is down, this is a great time to take advantage. You'll effectively buy shares of great companies at a discount. And when things finally turn around, and those investments rise in value, you'll be glad you did.

The bottom line

Recessions can be a scary time for your money, but you can take steps to prepare. Start by taking a hard look at your budget, building up your emergency fund, and boosting your credit score. Remember that recessions don't last forever and that this can be a great time to buy good investments while they're at a discount.

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


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Original Source: 5 Financial Steps You Should Take Before a Recession

NEW YORK - December 20, 2022 - (Newswire.com)

iQuanti: If you're a poor-credit borrower, you may worry that you'll need to jump through extra hoops to get approved for a loan. Luckily, there are many personal loans out there designed for borrowers who don't have good credit. Let's dive deeper into how personal loans for bad credit work and how long it can take to apply for one. 

How do poor-credit loans work?

Poor-credit loans are loans available to applicants with poor or fair credit scores. With these loans, borrowers will consider additional factors like your employment history and debt when deciding whether to approve you. Keep in mind that interest rates may be higher for these loans and there might be additional fees. 

Here are some types of poor-credit personal loans: 

• Cash advance: A cash advance is a poor-credit loan that can give you a few hundred dollars. These loans are designed to help you cover expenses until your next payday, and you'll typically repay what you owe in two to four weeks.
• Installment loan: With an installment loan, you can receive a lump sum of money all at once. You can then repay what you owe in fixed monthly installments over a few months or years.
• Line of credit: Lines of credit are personal loans that give borrowers access to funds up to a set credit limit. You can draw on these funds as needed, and will only pay interest on what you borrow.

It only takes a few minutes to apply for a poor-credit loan, and approval often happens almost instantly. Once approved, you can receive the funds in your bank account as soon as the same day you apply or within 24 hours. This allows borrowers to start meeting their financial needs immediately.

How to apply for a poor-credit personal loan

Here are the steps borrowers need to take to apply for a poor-credit personal loan:

1. Gather the documents you'll need

The fastest approvals will often come from online lenders, so gather the documents you'll need and make digital copies of them. This can be done easily with the camera on your smartphone. You'll need proof of ID, proof of employment, and proof that you have a bank account. Read the requirements on the lender's website to get a specific list.

2. Fill out your application

Start filling out your application for a poor-credit personal loan, providing all necessary financial and personal details. This should only take a few minutes and can be done online from the comfort of your home.

3. Submit the final loan application

Double-check your loan application to ensure all the information you filled out is accurate, and then submit it. Many lenders can give you an approval decision in minutes.

4. Review and sign the loan agreement

The final step is to review the loan agreement. Make sure the interest rate, loan terms, and any fees are reasonable. If everything looks good, sign the loan agreement and the funds will be transferred to your checking account. 

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


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Original Source: How Long Does It Take to Apply for a Poor-Credit Personal Loan?

NEW YORK - December 20, 2022 - (Newswire.com)

iQuanti: Health is a top priority for many. However, healthcare can be one of the most significant expenses households face. Unexpected medical bills can drain savings or cause people to incur debt. Fortunately, there are numerous tips and tricks to saving money on medical costs. Many of them are quite simple, too. This article will dive into five ways you can cut your medical bills so you can stay healthy without breaking the bank.

1. Use in-network care providers

If you have a Preferred Provider Organization (PPO) plan, you can get coverage for out-of-network providers, but you'll still be responsible for most of the bill. On the other hand, your plan will cover a much larger portion of the cost if you stay in-network. Research in-network providers so you can save money while finding the provider who meets your needs.

2. Negotiate your bills

Believe it or not, you can negotiate your medical bills to a certain degree. Here are some quick tips on how to negotiate medical bills:

• Try before treatment: You'll have more negotiating power if services haven't already been performed.
• Ask for a cash discount: Providers may charge less if you pay in cash.
• Request an itemized bill: This lets you scan the bill and look for potential errors to be fixed.
• Ask for a reduced fee: If the provider is a non-profit hospital, they may be required to have certain programs that cut medical costs for qualifying patients.

3. Use generic prescriptions

Generic drugs are much cheaper than name-brand drugs. According to Consumer Reports, generic drugs are just as safe as name-brand drugs as well. If you have regular prescriptions, switching to generics can save you decent money regularly.

4. Establish a health savings account

Health Savings Accounts (HSAs) have a "triple-tax advantage." This means that:

1. Contributions are tax-deductible.
2. You can invest your funds into various assets, and all the accounts' earnings are tax-deferred. 
3. Withdrawals are tax-free for qualifying medical expenses, such as deductibles, copays, and prescriptions.

These tax advantages help you set aside more funds for taxes, and the investments help your funds grow for the future. Plus, you can withdraw HSA funds for any purpose after retirement with no penalty — although you may owe income tax. If you have a high-deductible health plan (HDHP), you can get an HSA.

5. Reevaluate your plan

The more you pay in premiums, the lower your deductible and copays. The same is true vice versa. So, you should evaluate your coverage needs and pick a plan that more closely aligns with them.

For instance, if you see a provider regularly for a chronic issue, you may step up to a plan with higher premiums. This could cut your deductible and similar costs, saving you money in the long run.

On the other hand, if you're young and healthy, you might consider a plan with lower premiums. Your deductible will increase, but you may save money since you won't need frequent treatment. As mentioned earlier, you could qualify for an HSA if you end up with an HDHP.

Save money on medical treatment

Although medical bills can be expensive, there are numerous ways to cut those costs and stay on budget. Start by staying in-network if you have a PPO since your insurer will cover more of your costs. Negotiate bills where possible and opt for generic prescriptions over name-brand drugs. Finally, re-evaluate your plan — and if you pick an HDHP, open and fund an HSA. By following these tips, you could put a real dent in the cost of medical care and keep yourself out of medical debt.

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


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Original Source: 5 Ways to Save on Your Medical Bills

Three out of top five most visited deserts in the world are found in the United States. The travel list is based on international travelers using the travel app Visited to keep track of all their travels.

TORONTO - December 20, 2022 - (Newswire.com)

The travel app Visited by Arriving In High Heels Corporation has published a list of the top 10 most visited deserts worldwide. Red Desert, Mojave Desert and Great Salt Lake Deserts are all found in the United States and make the top list.

Visited, available on iOS or Android, is a travel app that allows users to mark off places they've traveled. Users can check off famous places such as deserts, mountain ranges, lakes and ancient sites, to name a few. 

The top 10 most visited deserts in the world according to Visited are:

1. Sahara Desert is the largest hot desert in the world, with popular tours of the desert in Egypt, Tunisia, and Morocco. 
2. Arabian Desert includes sandy dunes stretching across Iraq, Jordan, the United Arab Emirates, and Yemen. 
3. Red Desert is a high-altitude desert in Wyoming named for the brilliant red sandy landscape in one of the last high-elevation deserts in the U.S. 
4. Mojave Desert in California is nestled below the Sierra Nevada Mountains and includes the famous Joshua trees that are unique to the region. 
5. Great Salt Lake Desert is a large dry lake in Utah with white salt deposits that evoke a surreal, magical look.
6. Highlands of Iceland are a picturesque plateau of expansive volcanic desert that stretches across most of the interior of Iceland. 
7. Negev Desert is a desert in Israel that includes the famed Dead Sea, one of the saltiest bodies of water in the world. 
8. Judaean Desert is a desert in Israel and the West Bank located east of Jerusalem that has religious significance for Christians. 
9. Atacama Desert in Chile is the driest non-polar desert in the world and offers breathtaking scenery including geysers, lagoons, thermal pools, volcanoes, and salt flats. 
10. Namib Desert is a dry coastal desert in southern Africa that is 55 to 80 million years old. 

To see the complete list of the most popular deserts and over 50 top 10 lists of the most visited travel destinations in the world, 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: Red Desert in the US Makes It to Number 3 of the Top 10 Most Visited Deserts in the World as per the Visited App

KlimaDAO's advanced selective retirement tool gives users unprecedented choice over digital carbon credits used for offsetting.

SAN FRANCISCO - December 20, 2022 - (Newswire.com)

KlimaDAO, the leading provider of digital carbon credits, has today announced the launch of its advanced retirement tool for carbon offsetting. The tool gives users the option to selectively filter, choose and retire carbon credits from over 20 million tonnes of available digital carbon credits. 

The tool is now available on KlimaDAO's app, and it allows users to specify their preferred carbon credit criteria against hundreds of unique carbon projects from across the globe. Users have the option to select credit by "technology type", "region" and "vintage" (i.e. the year the credit was created) to quickly filter available options and inform their selection. 

In a market that is typically challenging to navigate due to poor market accessibility and limited market data, the tool gives users the ability to easily access the available options for digital carbon credits based on their priorities in just a few clicks. 

Given the permissionless nature of the KlimaDAO ecosystem, the tool enables third parties to quickly meet their own needs, or those of their clients, without having to wait for suppliers to respond to requests. 

Sy Zygy, Product Lead at KlimaDAO, said, "The advanced selective retirement feature offers our users the ability to quickly filter carbon projects according to their offsetting requirements within minutes, without needing to undertake extensive desk-based research or waiting for suppliers to fulfill their needs, which can take weeks. By giving users optionality over KlimaDAO's entire carbon credit supply, we can enable the market to function more efficiently for the benefit of all stakeholders."

KlimaDAO will hold the ON SET Webinar series beginning in February 2023; the series will provide an introduction to the digital carbon market and provide product demonstrations for stakeholders interested in using digital carbon tools. Follow this link to sign-up for the Webinar. 

About KlimaDAO

KlimaDAO's mission is to accelerate the delivery of climate finance globally by building the transparent, neutral, and public infrastructure needed to scale the Digital Carbon Market. KlimaDAO provides tools, products and services to make accessing this market easy for all users. Contact us by filling out this form. 

Contact Information:
Alex Taylor
Press
[email protected]


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Original Source: KlimaDAO Launches Advanced Selective Retirement for Carbon Credits

In the wake of the collapse of the cryptocurrency exchange, conversations around digital asset preservation have become more prevalent

NEW YORK - December 20, 2022 - (Newswire.com)

The collapse of the cryptocurrency exchange FTX has spurred countless discussions on how to best manage and protect one's digital assets. The misappropriation of billions in customer deposits will force regulatory bodies to act, and online discussions about the importance of digital asset management are increasing. Legacy Suite, an industry leader in digital asset preservation, shares how its solutions can protect users from similar disasters and are purpose-built to protect digital assets like cryptocurrency, NFTs, legal and health directives, and much more.

In early November, a CoinDesk article exposed the balance sheet of FTX's sister company Alameda Research, showing that it held roughly $14.6 billion in FTT — a token issued by FTX. Rumors regarding the comingling of assets and potential solvency issues began to swirl. By the very next week, FTX officially filed for bankruptcy, contradicting previous statements by FTX CEO Sam Bankman-Fried, who assured the press that the firm was "fine."

Since then, formal investigations have begun, conducted by the U.S. Department of Justice, the U.S. Securities and Exchange Commission, the Securities Commission of the Bahamas, and the Financial Crimes Investigation Branch.

Holding assets within a centralized exchange has significant risks. A common alternative is to utilize non-custodial wallets (warm or cold wallets), as this method is considered the most secure place to store cryptocurrency assets among crypto enthusiasts. This method, however, is also risky, as users cannot reset passwords or call customer support to recover lost secret phrases. Users also can be susceptible to malware, viruses, and social engineering attacks from scammers seeking to drain assets.

For any digital asset holder, the significance of operational security cannot be understated. Using physical notebooks for security keys and limiting password-sharing is essential to security optimization. Asset holders should also leverage multiple wallets and exchanges to avoid storing large quantities of cryptocurrency in one location and to spread their total risk. It's considered a best practice not to store cryptocurrencies on centralized exchanges for long periods, and owners should opt to trade pairs with high liquidity to make cashing out easier.

Legacy Suite supports hardware and cold wallets and now offers a one-click backup "panic" feature called Legacy Lifeline. Legacy Lifeline allows users to pre-authorize asset transfers on their non-custodial wallets and quickly execute smart contracts to avoid instances of digital items being held or frozen on exchanges. With this innovation, users can have peace of mind knowing that their assets are secure, even in a distressing situation such as a hack or security breach.

Cryptocurrency owners can also set pre-approvals via the Legacy Suite Crypto Will feature to retain complete control of their assets that they might have otherwise lost by relying on a hardware wallet's key.

"We recognized that these features are needed now more than ever to promote the true essence of decentralization and help towards its mass adoption," said Gordon Bell, founder and president of Legacy Suite. "Before the introduction of our platform, there has never been a simple click-through user interface to perform such complex tasks on blockchain. We aim to utilize smart contracts to their full potential and enhance digital asset protection capabilities."

Legacy Suite is setting a new mark in the domain of programmable smart contracts by enabling a digital inheritance and recovery solution owned and operated by the assets' owner. While disasters such as the FTX collapse may be impossible to predict, users must be proactive due to the uncertainty and volatility of the cryptocurrency space — especially when the preservation of their digital life can be so simple.

To learn how to protect hard-earned cryptocurrencies and other digital assets with Legacy Suite, please visit https://www.legacysuite.com.

About Legacy Suite

Legacy Suite is a complete end-to-end solution designed to provide first-class support for digital estate planning. Legacy Suite is a secure solution for crypto self-custody, which allows you to hold your own keys, set up directives, assign executors, and have peace of mind knowing that your digital assets will safely transfer to your next of kin. Visit https://www.legacysuite.com.

Contact Information:
Buse Kayar
[email protected]
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Original Source: How Legacy Suite Can Protect Users From Another FTX-Like Disaster

BOCA RATON, Fla. - December 20, 2022 - (Newswire.com)

4ocean, the Certified B Corp that's on a mission to end the ocean plastic crisis, is pleased to announce a renewed partnership with Pop, the innovative technology firm that built the world's largest For Sale by Owner (FSBO) full-service, online marketplace for boats, RVs, and homes. Through this partnership, 4ocean's professional, full-time captains and crews will remove 10,000 pounds of plastic from the ocean, and Pop will provide the funding needed to make it happen. 

Alex Schulze, founder of 4ocean, said, "We're stoked to partner with Pop because they share our passion for the ocean and support our mission to protect it from plastic pollution. By funding the removal of 10,000 pounds of trash from the ocean, Pop is demonstrating a serious commitment to the environment and the future of our one shared planet. We look forward to working together to advance our shared goals in the coming year." 

Michael Adams, CEO of Pop, sees an enormous opportunity to leverage Pop's technology and global reach to benefit 4ocean. "Our buyers and sellers, who enjoy time on and around our oceans, are very concerned about maintaining the wonderful environment only found on the water, and we feel 4ocean can make the most noticeable impact on cleaner waterways," said Adams. "One of the benefits of the world's largest full-service, online boating marketplace is our ability to reach massive numbers of boaters, campers, explorers, and enthusiasts who share a belief in protecting nature's playground, especially the waterways they all enjoy."

4ocean is an ocean cleanup company based in Boca Raton, FL, that's dedicated to ending the ocean plastic crisis. As a Public Benefit Corporation and Certified B Corp, they harness the power of business to fund a global cleanup operation that recovers millions of pounds of plastic and other man-made debris from the world's oceans, rivers, and coastlines each year. 

Facebook: @4oceanBracelets 

Instagram: @4ocean

TikTok: @4ocean

Linkedin: 4ocean PBC

Pop - since its founding in 2009, Pop Sells, LLC has emerged as the world's largest online, full-service, for-sale-by-owner marketplace for recreational vehicles. Pop has perfected bringing buyers and sellers together with a comprehensive suite of services required for successful transactions. Services include identifying and securing sellers, producing comprehensive product listings, taking photos and videos, coordinating inspections, helping negotiate and close deals, producing and processing closing documents, arranging product delivery, and national digital marketing support. Unlike any competitor, Pop's full-service digital marketplace delivers fast, secure, and hassle-free results to buyers and sellers. Pop stands for "paid on performance," and it's the foundation of the brand and a consistent promise made to buyers and sellers. Pop's digital marketplace has already expanded to homes, and in the future, will include numerous large, durable products. The company employs a network of sales and service associates across North America, with its technology headquarters in Sarasota, FL.

Contact Information:
James Webb
Director Business Development
[email protected]
314-239-0898

Ryan Dick
Partnerships Marketing
[email protected]
5614515666


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Original Source: 4ocean Extends Partnership With Pop to Clean Oceans for Current and Future Generations

With help from customers and employees, The CE Shop Foundation is providing relief for Denver-area kids and their families living in urban food deserts.

DENVER - December 20, 2022 - (Newswire.com)

With the holiday season being a time of abundance for many, there are still 1 in 7 Colorado children who aren't sure where their next meal will come from, which is why The CE Shop Foundation is proud to be feeding Denver-area children and families in need.

Donations to The CE Shop Foundation go to support Food For Thought Denver, a nonprofit that provides backpacks filled with food for the weekend to children in need at 76 Denver-area schools.

Food For Thought Denver estimates that $5 is enough to feed a family of four for the weekend. 

In the years since The CE Shop Foundation was created by Michael McAllister, Founder and Board Member of The CE Shop, the amount of money it has collected to feed families in need has increased every year. In 2014, it raised $6,856, and in 2022, nearly $400,000. 

"I like to illustrate the impact of our donors' generosity visually. 60,000 kids are the equivalent of 750+ yellow busses full of elementary school kids rolling down the road, and it's because of all those that support our cause that these kids are fed," says McAllister.

The CE Shop chose to support this cause because, as a leading provider of online professional education, its employees believe that school-aged children should be able to focus on learning rather than worrying about where their next meal will come from. The CE Shop Foundation is a 501(c)(3) nonprofit.

The CE Shop Foundation's donations come from The CE Shop's employees, who can choose to give through a payroll deduction; its students, who can donate when purchasing real estate education courses during checkout, and generous members of the local community.

For more information on The CE Shop's work to eliminate childhood hunger in the Denver area, visit TheCEShop.com/Foundation.

About The CE Shop 
The CE Shop is the leading provider of professional real estate education with online mortgage, real estate, and home inspection courses available throughout the United States. The CE Shop produces quality education for professionals across the nation, whether they're veterans in their industry or are looking to launch a new career. We believe that the right education can truly make a difference. Visit TheCEShop.com to learn more.

Media Contact:
The CE Shop Press
[email protected]
720.822.5314

Contact Information:
Liz Meitus
VP of Communications and Brand
[email protected]
720-822-5314


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Original Source: 60,000 Denver Kids and Their Families Fed With $300,000 Donation to Food For Thought