Costway Massage Chair

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 

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.

Social Security Tax Cut Chart

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. 

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.

Americans want to be homeowners, but feel they can't afford to buy — most agree "the American dream of owning a home is dead." But they also feel that they can't afford to stay where they are — and their solutions could change the country's housing market, according to "The State of Real Estate," the latest survey from The Harris Poll Thought Leadership Practice, released today.

The survey, conducted online among a representative sample of 1,980 U.S. residents in November, provides a deep dive into how Americans — particularly young Americans — feel about all aspects of homeownership.

Most Americans dream of owning a home of their own, but feel that costs are making it impossible. Almost six out of 10 respondents (59%) are "worried I will never be able to own a home." Most (61%) said they "feel priced out" of the current real estate market — a feeling even stronger among Millennials (69%). 

"People's sense of safety has been shattered by the pandemic and what we call the stacked crisis — pandemic, war, inflation, climate disasters, and more," said Libby Rodney, chief strategy officer and futurist at The Harris Poll. "Crucial to reestablishing our sense of safety is housing. As humans, we are wired to nest and ground ourselves during times of uncertainty and upheaval. This data shows that not only do people feel priced out of the market, but areas that people live, especially Millennials, are so expensive that they feel barely livable." 

Notably, most respondents (62%) feel Wall Street investors are part of the reason costs are so high, a feeling even stronger among people living in cities (72%). 

However, Rodney noted a finding that, on the surface, seemed contradictory: One in five people (20%) have moved to a new home since the start of the pandemic, and a fifth of Gen Z-ers (19%) and 13% of Millennials were able to buy their first homes during the pandemic, often because mortgage rates fell sharply.

Most did so because of costs — more than 60 percent said they were seeking more affordable housing or a lower cost of living. (A similar percentage said they wanted more living space, and more than a third of movers said they moved for "political reasons.")

A deeper look, though, shows that those who moved often have buyer's regret. Almost six in 10 (59%) said their move was unplanned, and almost half (44%) say they wish they hadn't. 

However, Americans still hope to move — almost four in 10 (39%) plan to move to a new home within three years — and they report a wide range of reasons for wanting to do so. 

Cost is the biggest concern: More than six out of 10 homeowners and renters say their housing costs have increased since the pandemic — and more than a quarter (28%) say those costs have increased tremendously. Almost half (47%) of respondents say their current area "has become so unaffordable it's barely livable." 

But costs cut both ways — seven in 10 (71%) are holding off because of concerns over economic uncertainty, like interest rates, inflation or a recession.

Americans are seeking broader pastures (away from the cities)

When they do move, though, Americans are poised to shift the population of the country. 

Working remotely has changed how people see the real estate market. Three-quarters (77%) of those who plan to move within three years say working remotely has expanded their options.

That has more people likely to consider suburbs (64%) and rural areas (57%) than big cities (44%) as their destination. Younger generations are more likely to make that move: More than half of Gen Z-ers and Millennials would move to suburbs and rural areas, compared to about 45% of Gen X-ers and a third of Boomers. 

In fact, the poll shows that Americans are re-examining their relationship with cities. 

Almost seven in 10 (69%) disagree with the statement that "you have to live in the city to be successful in life." Almost two-thirds (64%) of those planning to move say it's scary to live in a big city, because of threats like pandemics or war. 

Many Americans are willing to go even farther than the suburbs: Six out of 10 (60%) would consider moving to another state, and almost four in 10 (39%) would move to another country.

Their main reasons for moving closely resemble the thinking of those who moved during the pandemic: seeking more affordable housing (72%), lower cost of living (67%), safety (66%), and increased living space (66%). And again, 34% would move for "political reasons." 

They're also considering anything they can do to make housing affordable — more than half (55%) say they can't afford to live without a roommate, and more than a quarter (28%) have considered renting out their homes temporarily to make money.

In all, Rodney said, The Harris Poll for Thought Leadership survey shows Americans struggling to resolve a housing dilemma. 

"One trend we are watching closely after looking through this data is how migration patterns in the U.S. will continue to play out as people prioritize suburban and rural living over cities," she said. "Americans might be questioning if the cost of living in a city is worth it, especially when many have figured out how to create opportunities and success for themselves in the last two-and-a-half years virtually."

The Harris Poll for Thought Leadership's "State of Real Estate" survey is available at this link. 

 About The State of Real Estate Survey

This survey was conducted online within the U.S. by The Harris Poll from Nov. 11-13, 2022, among a nationally representative sample of 1,980 U.S. adults. This research includes 1,296 homeowners and 615 renters, as well as 194 Gen Z (ages 18-24), 613 Millennials (ages 25-40), 485 Gen X (ages 41-56), and 688 Boomers (ages 57 and older).

About Harris Poll Thought Leadership Practice

Building on 50+ years of experience pulsing societal opinion, we design research that is credible, creative, and culturally relevant. Our practice drives thought leadership and unearths trends for today's biggest brands. We are focused on helping our clients get ahead of what's next.