LOS ANGELES - December 9, 2022 - (Newswire.com)

iQuanti: If there's anything we'll remember about 2022, it's unfortunately the fact that inflation spiraled out of control. Consumers saw the price of nearly everything increase, and inflation is currently at a 40-year high. 

While inflation is typically considered to be a bad thing, did you know there might actually be an upside to rising prices? In this article, we'll explain what that is and how it could work to your benefit.

How does inflation work?

Simply put, inflation is when the price of goods and services rises. This normally happens at a modest rate of approximately 2 to 4 percent per year. But when there's a major disruption in the economic forces of supply and demand like we recently experienced with the COVID pandemic, it can upset the balance between them.

The most widely used indicator of inflation is the Consumer Price Index or CPI. The CPI is defined as the average change in the price of consumer goods and services paid by consumers such as food, energy, and rent.

When the U.S. Bureau of Labor and Statistics (BLS) releases its latest inflation report, what they're sharing is the 12-month change in the CPI. In other words, it's the average of how much the price of the things we need has increased over the year.

How can inflation benefit borrowers?

While most people will see the cost increases as a negative thing, it cold actually have some positive impacts on consumers with fixed debt. For instance, suppose you have a 30-year fixed-rate mortgage that costs $1,000 per month. If inflation for that year was 4 percent, then next year that $1,000 will "feel" like $960. Why? Because all your other bills will most likely have gone up by the rate of inflation. At the same time, however, you may have gotten a raise at work to keep up with the rate of inflation, frequently referred to as a "cost-of-living-adjustment." Either way, even though you're still paying the same exact $1,000, it now only has $960 of relative purchasing power because $40 was effectively destroyed by inflation. Now continue this trend 18 years into the future. You'll still be making that same $1,000 payment. However, by this point, it will effectively be like paying $500 in today's money. Essentially, half of your payment has been erased by inflation. 

The bottom line

Inflation is defined as the 12-month change in the CPI or the price of a typical basket of goods and services. While cost increases are generally regarded negatively, borrowers may find some relief through the steady decline in the effective cost of any fixed debt.

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


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Original Source: Does Inflation Benefit Borrowers?

ATLANTA - December 9, 2022 - (Newswire.com)

Middle Aged Fitness is a fitness company founded by a Certified Nutrition Coach who saw a huge gap in workout programs based on age.

"You'll find a bunch of information these days that describe the best ways to exercise, but they are often written by younger people for younger people. Some of that advice is actually dangerous for older adults, especially those in their middle-aged years. I wanted to create a fitness plan for those who are older," said creator Dennis Hodges.

Hodges, age 51, decided to take action after his daughter got engaged. He didn't want to be remembered for being overweight on his daughter's special day. At the time, he weighed over 250 pounds. All of that triggered his first self-experiment to see what works for the population of his age group. 

After seven months, he got his weight down to 182 pounds with body fat under 10%. By following a specific workout and meal plan, Hodges actually gained more muscle mass than he has ever had before in his life. He used all this knowledge and information to create a custom-tailored fitness plan for those in their middle-aged years.

"I knew that after much success in this regard, if I could maintain good health for the rest of my days, I had something worth sharing. I believe that oftentimes, this age group is frequently overlooked in the health and fitness industry. I believe that at this stage in our lives, it's the most imperative thing that we should be focused on. This program is entirely holistic, which is what I believe is warranted at this age. I will be sharing with you the things that I did in my journey as a guide, supported by science, but my main objective is for you to come out of this program understanding your own body and what works best for you," said Hodges.

Older adults who strength trained at least twice a week had a 46 percent lower chance of death for any reason than those who did not, according to researchers at Penn State and Columbia University. They also had 41 percent lower odds of cardiac death and 19 percent lower odds of dying from cancer.

"I think the research is clear. Fitness is the key to longevity," said Hodges.

Middle Aged Fitness includes a full workout plan, meal plan and community. It's available for purchase on the website middleagedfitness.com.

Contact Information:
Dennis Hodges
Founder
[email protected]


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Original Source: Middle Aged Fitness Releases Promising Workout Plan for Those in Middle-Aged Years

Ultra is the newest evolution of Rerouted. Rerouted is a second-hand gear platform that is leveraging contemporary technology to make second-hand painless and crazy easy for buyers and sellers. Ultra is a year-long program designed to reduce every pain point people face using existing marketplaces.

ALBUQUERQUE, N.M. - December 9, 2022 - (Newswire.com)

Rerouted Co. is rolling out Rerouted Ultra. Rerouted Ultra is the newest way to support the circular economy. Ultra is the easiest and cheapest way to buy and sell second-hand outdoor gear. No shipping costs, no commission fees and unlimited support when people want to buy and sell gear for the entirety of 2023. This program launched with 500 seats on Monday, Dec. 5 and will be available through Dec. 31 12:00 a.m. PST.  

Ultra is the newest evolution of Rerouted. Rerouted is a second-hand gear platform that is leveraging contemporary technology to make second-hand painless and crazy easy for buyers and sellers. This is a year-long program designed to reduce every pain point people face using existing marketplaces. 

Rerouted is excited to highlight six key features of their Ultra program:

• Zero Commissions - sell any piece of outdoor gear, get 100% of the asking price
• Free Shipping - buy any gear you want and Rerouted covers the shipping fees
• Monthly Seller Tips, Tricks and Workshops - get support to make as much money as possible selling gear on Rerouted
• Early Access to Gear Tracker - a new feature Rerouted is releasing early next year to help you find exactly the right gear for you, and get notified immediately when it arrives on the site
• Partner Perks - include a $65 WFA course w/ Base Medical, and many more are in the works.
• Limited time upcycled Rerouted swag

Chap Grubb, Rerouted's CEO and Founder, said this about the mission behind Ultra:

"Recycling, upcycling and reselling are key to a sustainable future. Our team believes deeply that the reason gear collects dust in people's garages is because it is too difficult to buy & sell online. Choosing second-hand first should be an easy choice for people that care about the environment. We are psyched to make it easier than ever to save gear from the landfill and help people create their own wilderness adventures. Plus, free shipping and zero commissions are unheard of in online second hand shopping. We love being the first to offer this."

To join Rerouted in their mission is to embrace the Circular Economy. Ultra is the newest and best community to buy and sell outdoor gear online. All Rerouted Ultra perks will start immediately upon purchase and run through 2023. Check it out today. www.rerouted.co/rerouted-ultra

Rerouted is an online platform that is developing tools & software that will empower people, local gear stores and marketplaces to get gear back out to the next generation of wilderness advocates.

Contact Information:
Chap Grubb
Founder and CEO
[email protected]
575-741-6153

Lodie Moore
Head of Customer Care
[email protected]
425-785-5983
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Original Source: Rerouted Announces Rerouted Ultra: A Year of Gear and Perks

Customers can now experience unmatched comfort with Costway's new massage chair and get a better shopping experience with AR 360 integration.

MONMOUTH JUNCTION, N.J. - December 8, 2022 - (Newswire.com)

Costway, the leading online household supplier brand, has recently revamped its website by embedding AR-based features and detailed product information. It has also extended its catalog by adding a wide range of products to provide a better shopping experience.

The revamped Costway website has introduced tons of improved features, including the following:

• AR Gallery: With the advanced AR 360-degree feature, customers can now check how any furniture would look in their space before ordering it. They can use the Costway app and select the AR feature for a product to project it in their room.
• Improved UX: The overall user experience of the Costway website has also been improved and customers can get to know about the latest activities and upcoming discounts quickly.
• Live-streaming: Costway customers can also enjoy the live-streaming shopping experience by watching live broadcasts provided by Costway's professional shopping guides.

Furthermore, Costway has also introduced tons of new products, including relaxing massage chairs, for this season.

Costway Massage Chair with Thai Stretch ($3999)
The 3D massage chair offers 12 automatic massage programs, including a Thai stretch. The zero-gravity massage chair lets its users experience three weightless positions while enjoying a five-gear 3D massage and full body air massage, all at once. For immersive squeezing and better blood circulation, it features 44 airbags, a 131°F waist heater, and a three-speed foot roller.

Costway Full Body Zero Gravity Massage Chair ($2899)
The zero-gravity full-body massage recliner features a space-saving design with a total of 28 airbags. It is packed with tons of customizable features, like 12 automatic massage modes, 5 massage techniques, 5 adjustable speeds, 3 adjustable widths, and 3 adjustable air pressure intensities. For a full-body relaxing experience, it also provides an SL track and yoga stretching feature with a retractable calf frame to make it suitable for people of different heights.
Customers can experience the comfort of these massage chairs by visiting the brick-and-mortar Costway stores in New York and New Jersey.

Costway takes pride in providing best-in-class customer service. The hassle-free return and exchange policy feature a 30-day guaranteed refund. The company also provides free exchange, and 24/7 customer support, and speedy delivery within 5-7 days.

About Costway 

The story of Costway began in 2008 when the brand started as a household supplier retailer on Amazon and eBay. Costway became one of the most well-known online shopping websites for household supplies by providing high-quality products and thoughtful services in 2016. Costway aims to inspire people to build their best homes irrespective of their budget, taste, or requirements. The brand offers a wide range of high-quality and stylish home products at affordable rates and a promise of exceptional after-sales services.

For more information, visit www.costway.com 

Contact Information:
Jerry Xia
Marketing Manager
[email protected]
8613738826559


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Original Source: Costway Releases New Massage Chairs and Upgrades Its Website With AR Features

LOS ANGELES - December 8, 2022 - (Newswire.com)

iQuanti:  Sometimes, you may find yourself short on funds when bills are coming due — especially as prices increase. You may have considered borrowing money to make up for the shortfall. If so, a personal loan can be a good option.

This loan can get you a lump sum of money that you repay in fixed monthly principal and interest payments, making it easy to budget for. Personal loans can be used for many expenses, including your bills. With that in mind, this article will cover six types of bills you could cover by getting a personal loan.

1. Electric bills

The cost of electricity has gone up recently. If you need help with electric bills, a personal loan might be a good option. By taking out a loan, you will have a lump sum for your electric bill and a more predictable monthly payment. Using a personal loan, you may be able to spread a few particularly high monthly electric bills across several months when your bills are lower, to ensure your monthly payment is lower.

2. Rent

Rent is often the biggest expense for people who don't own their homes. Sometimes, people are short on cash when the rent is due. Fortunately, many lenders offer to approve and fund loans within one to two days, and sometimes the same day. This can make rent temporarily affordable when money is tight.

3. Medical bills

Medical bills can be pretty large and take you by surprise, so it's hard to save money for them. If you don't have funds set aside, consider getting a personal loan. Some are available in large amounts, so you might be able to pay the entire bill with the loan.

4. Home repairs

Home maintenance can add up. Even if you're setting money aside for repairs, you might need some help paying for them. You can get a large amount from a personal loan relatively quickly to cover these costs. 

5. Moving expenses

Moving can cost a substantial amount of money. In fact, the national average cost of a move is $1,400. Saving that amount of money alongside all your other financial goals can take too long. Many people instead get a personal loan to cover moving expenses. The fixed payment and lower rate make it easier to move affordably.

6. Credit card debt

Credit cards tend to have high APRs, making it hard to get out of debt. A personal loan can be an excellent tool, allowing you to consolidate and refinance your cards. This will likely score you a lower interest rate and make your payment fixed. It may also help your credit score by lowering overall credit balances.

Consider a personal loan if you need help with bills

As you can see, personal loans can be versatile financial tools. You can use them to cover electric bills, medical bills, rent, home repairs, moving expenses, and more. You can even refinance and consolidate high-interest debt with personal loans to save money.

If you need a personal loan for any of these bills, shop with multiple lenders and get prequalified. This will help you get rates and terms that work for your financial situation and needs.

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


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Original Source: 6 Types of Bills a Personal Loan Can Help Cover

SALT LAKE CITY - December 8, 2022 - (Newswire.com)

The majority of Utah voters across party lines and age groups agree that the state should eliminate the income tax on Social Security benefits, states a new AARP poll. Fully 66% of Utah voters agree with this change with 69% of Republicans agreeing, 67% of Democrats agreeing, and 65% of Independents agreeing. The survey showed removing Utah's tax on Social Security benefits even had strong support from all age groups: 54% of 18-34 years olds agree, 67% of 35-49 year olds agree, and 75% of those age 50 and over agree. With Utah's 2023 Legislative Session weeks away, AARP is calling on the Governor and lawmakers to make eliminating the tax on Social Security benefits a top priority.

At least two legislators, Rep. Walt Brooks and Rep. Norman Thurston, appear to have already opened bill files addressing the tax on Social Security benefits.

"Utah is one of 11 remaining states that taxes Social Security benefits," said Danny Harris, AARP Utah Director for Advocacy. 

"Our survey shows that Utah voters want the state tax on Social Security benefits eliminated for all taxpayers. During this time of unprecedented inflation, Utahns are paying more to heat and cool their homes, put groceries on their tables, bring home and take their lifesaving medicines, and put gas in their tanks. Entirely removing the state tax on Social Security benefits is the first step the Utah Legislature can take to provide tax relief to more Utahns," Harris said. 

Currently Utah taxes Social Security benefits on income of $37,000 or higher for individual filers and $62,000 or higher for joint filers. 

"Social Security benefits are a critical component of financial security in retirement," concluded Harris. "Older Utah voters recognize this and will fight to defend their hard-earned benefits. That's why we are urging the Governor and state lawmakers to eliminate the Social Security tax now."

AARP Utah also encourages Utahns to visit action.aarp.org/utahtax and sign a petition encouraging elected officials to make this change.

As Utahns look toward the annual legislative session and consider a $1.3 billion tax revenue surplus, 48% want to see the legislature enact a combination of increases to important programs, tax cuts, and additional funding in the state's rainy-day fund. Another 20% want to see tax cuts, while 19% want to see increased funding to state programs, and 8% hope to increase the state's rainy-day fund. 

Survey results also show that an overwhelming majority of Utah voters — 84% — are unfamiliar with Utah's property tax circuit breaker program which provides tax relief to older homeowners and renters who meet income eligibility requirements. This includes 76% of those age 65 and older who are unfamiliar with the program — many of whom are among the eligible population. With Utah's current high cost of housing and increased property taxes, Utah's legislature has a significant opportunity to help more Utahns access tax relief that already exists but is underutilized.

See the entire survey here.

A briefing for the press will be held online to review the findings of the survey. Representatives from AARP will be available to answer questions at that time.

Join Online at bit.ly/3gZQnmJ
Thursday, Dec. 8, 2022
1 p.m. to 1:30 p.m. 

Contact Information:
JENNIFER Tarazon
Director
[email protected]
+18015672643


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Original Source: AARP Utah Poll Shows Strong Bipartisan Agreement for Eliminating State Tax on Social Security

LOS ANGELES - December 8, 2022 - (Newswire.com)

iQuanti: Vehicles can be one of your biggest expenses next to your rent or mortgage. Aside from the car payment, insurance, and gas, repairs can put a big dent in your budget if you aren't financially prepared. Fortunately, numerous quick financing options can help you cover the costs of unexpected repairs. This article will dive into five car repair loans you can choose from if you ever need to cover the cost of a car fix-up.

1. Installment loans

Installment loans are short-term loans that let you borrow a lump sum and repay in fixed principal and interest payments. Installment loans are often available in larger amounts, and you can get them within the same day at some lenders. These benefits and predictable payments make them suitable for larger repairs and easy to budget for.

2. Lines of credit

Lines of credit are flexible loans that let you borrow up to a certain limit as needed. You can then repay the borrowed amount at your leisure. Thanks to their flexibility, lines of credit can work well if your car needs maintenance more often or repair costs are unpredictable. This also makes them suitable for emergency repairs, such as damage.

3. Cash advances

Cash advances are quick, small-dollar loans that can help you cover costs before your next payday. Lenders often have less strict credit score requirements with these types of loans, and will consider additional factors like employment history and income during the approval decision process.

A cash advance can typically give you a few hundred dollars, which you can repay in two to four weeks. You can roll over the loan for an additional fee if you can't repay it, but be careful not to get stuck in too many rollovers.

4. Title loans

If you own the car outright, you could use the title as collateral for a title loan. The title lender verifies that you have income and appraises your car, then offers you a loan equal to 25% to 50% of the car's value. If you accept, you can often get the funds that same day. Plus, you can continue driving the vehicle in repayment. That means you may be able to go from the title lender to the mechanic that same day to pay for the repairs.

5. Pawn shop loans

Pawn shops let you use nearly any valuable item as collateral to get a short-term loan. The pawnbroker appraises your item, then offers you a loan amount and terms with no credit check.

If you accept, you can exchange your item for the loan and a claim ticket. The loan typically lasts 30 days, and may include a 30-day grace period to repay the loan plus interest. You'll exchange your claim ticket for your item when you repay the loan. If you can't repay, you may be able to roll over the loan. Otherwise, the pawn shop can seize the item, but no credit score consequences exist.

Cover the cost of car repairs

Car repairs can cause a lot of stress if you aren't prepared. But plenty of loan types can help you cover the costs of unexpected repairs. Installment loans may work for larger one-off repairs, whereas lines of credit can be a good choice if you have more unpredictable or more frequent fixes. Title loans can help out if you own the car outright, whereas cash advances can stand in if you don't. And pawn shop loans are another option if you are willing to risk a valuable item.

So, the next time car maintenance takes you by surprise, consider one of these loans. Weigh the pros and cons of each to pick the right loan for your situation and budget.

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


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Original Source: 5 Financing Options That Can Help Pay for Your Car Repair