NEW YORK - November 4, 2022 - (Newswire.com)

iQuanti: Debt consolidation and debt refinancing are two methods of repaying your debt. Deciding between the two will depend on what's better for your financial circumstances. Whether you decide on refinancing a loan or debt consolidation, it's important to know the differences between the two. Here's what you need to know about these debt repayment methods.

What is debt consolidation?

Debt consolidation involves combining most or all of your debts into a single large loan. The main purpose of debt consolidation is to simplify your debt repayment. In some cases, the larger loan can have better repayment terms, such as a lower monthly payment and a lower interest rate. 

Debt consolidation can make it easier to pay for debts such as credit card debt and student loan debt. You can apply for debt consolidation loans through your credit card company, your bank, or your credit union. If you can't get a debt consolidation loan through these means, you can try getting one through a private lender or a private mortgage company. 

The two types of debt consolidation loans are secured and unsecured loans. A secured loan requires you to use one of your assets, such as your car or home, as collateral for the loan. An unsecured loan does not require collateral but is usually more difficult to obtain. Interest rates can also be higher with unsecured loans. Nonetheless, they won't be as high as credit cards with unpaid balances. Make sure you know all the fees that a debt consolidation loan might come with before pursuing it.

What is debt refinancing?

Debt refinancing specifically focuses on finding more favorable repayment conditions by replacing existing debt with new debt. A loan that's refinanced can lower the interest paid on the life of the loan, and may possibly restructure the payment schedule. Your monthly payments can be lowered, allowing you to have more cash to take care of other financial needs. Some people also choose to refinance debt to switch from a fixed-rate debt to a variable-rate debt or vice versa based on the current interest rate environment. 

Different types of debt that are refinanced include credit cards, student loans, car loans, consumer loans, and mortgages. Be mindful that when you refinance your debt, the lender will do a hard inquiry on your credit reports, which may negatively impact your credit rating in the short term.

Differences between debt consolidation and debt refinancing 

The main difference between debt consolidation and debt refinancing is the number of debts involved. While debt consolidation focuses on combining multiple debts, debt refinancing focuses on negotiating new terms for one existing debt. 

Deciding between these two debt repayment options will depend on which option can give you better repayment terms and the lowest interest rate. You may find it favorable to do both, perhaps choosing to consolidate your credit card debt and deciding to refinance your student loan debt. Be sure to carefully analyze your debt repayment options before deciding whether to pursue debt consolidation or debt refinancing.

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

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


Press Release Service by Newswire.com

Original Source: Debt Consolidation vs. Debt Refinancing

DENVER - November 4, 2022 - (Newswire.com)

Suzie's CBD Treats, a Colorado-based company manufacturing USDA-certified organic CBD products for pets, has announced the expansion of their product line with two new products.

The new products, Suzie's CBD Anti-Itch Stick and Suzie's CBD Goodbye UTI Drops, are made with function and relief in mind. With both products, each natural and soothing ingredient was carefully chosen with pets in mind.

Suzie's CBD Goodbye UTI Drops for cats were developed with functional ingredients to help relieve discomfort from urinary infections in cats. This product has a salmon oil base with marshmallow root, cranberry, and dandelion root extracts, along with 200 mg of full spectrum CBD oil. While this product is marketed towards cats, small to medium-sized dogs may also benefit from its use. 

"We see a lack of CBD products specifically for cats on the market, and we're proud to add choices for cat owners and will continue to develop more options," says COO Rachel Giagnocavo.

Suzie's CBD Anti-Itch Stick is made with 300 mg of full-spectrum CBD oil and infused with natural healing herbs to target skin conditions such as ringworm, yeast infections, hot spots, and allergies. It comes in a mess-free roll-on tube for easy application.

"Our goal at Suzie's CBD Treats has always been to understand the needs of pets and offer effective, high-quality products to help them live comfortable, full lives," says CEO Caleb Gilmore.

Customers can find the new Suzie's Anti-Itch Stick and Goodbye UTI Tincture in independent retailers across the country and on Suzie's website. SuziesPetTreats.com

Contact Information:
KT Cavanaugh
Marketing Manager
[email protected]


Press Release Service by Newswire.com

Original Source: Suzie's CBD Treats Expands Their Functional Product Line

Live virtual event highlights the power of rural stakeholder collaboration

STERLING HEIGHTS, Mich. - November 4, 2022 - (Newswire.com)

Each year, the National Organization of State Offices of Rural Health (NOSORH) and rural-focused organizations across the United States set aside the third Thursday of November (Nov. 17, 2022) to recognize National Rural Health Day (NRHD). Now in its 12th year, NRHD is an opportunity to celebrate the #PowerOfRural and honor the individuals and organizations serving the health needs of nearly 61 million people living in rural America.

On Nov. 17 at 2 p.m. ET, NOSORH will host a special web event - Collaboration Carpool: Conversations with Mission-Minded Rural Stakeholders. The live event will feature the following national, regional, and state leaders/influencers representing different rural stakeholder groups: 

• United States Department of Agriculture (USDA): Kellie Kubena, USDA, and Armando Valdez, Colorado USDA
• Broadband: Shirley Bloomfield, NTCA - The Rural Broadband Association, and Gary Johnson, Paul Bunyan Communications
• Philanthropy: Anne Kubisch, The Ford Family Foundation, and Walter Panzirer, The Leona M. and Harry B. Helmsley Charitable Trust
• Public Health: Dr. Brian Castrucci, de Beaumont Foundation, and Arletha Howard, Tougaloo College/Delta HealthPartners Healthy Start Initiative
• Rural Health Clinics and Community Health Centers: Dr. Julie Wood, American Academy of Family Physicians, and Mary Zelazny, Finger Lakes Community Health and Finger Lakes Telehealth Network

In addition, NOSORH's annual e-book of "Community Stars" will be published on NRHD on PowerofRural.org, with a total of 48 states represented by individuals or organizations nominated for their outstanding rural health-focused contributions. 

Visit PowerofRural.org to reserve your seat for Collaboration Carpool: Conversations with Mission-Minded Stakeholders and to explore the 2022 Key Messages and Data Points, Idea Guides, downloadable NRHD tools, and more.

Contact Information:
Michelle Rathman
President & CEO
[email protected]
630-865-4439

Ashley Muninger
Communications Director
[email protected]
785-422-5295


Press Release Service by Newswire.com

Original Source: 12th Annual National Rural Health Day is November 17

Transformational milestone primes fintech platform for next phase of growth. EXIRIO users can connect with over 11,000 banks and brokers across North America & Europe.

DOVER, Del. - November 4, 2022 - (Newswire.com)

Delaware-incorporated, globally accessible EXIRIO, the wealth and investment tracking app founded in 2020, announces a major milestone as it transitions from its free phase to the introduction of tiered subscriptions.

EXIRIO's goal is clear: to simplify users' lives by aggregating their wealth into one place - with minimal effort on their part, present clear information, and provide valuable insights on investment performance - without the need for a complicated and time-consuming spreadsheet.

Newly registered users will have the option to upgrade from free accounts that include connectivity to one financial institution or crypto exchange/wallet, to premium accounts with unlimited connections (USD 10 a month or USD 100 a year). EXIRIO users can connect and synchronize with over 11,000 banks and brokers in North America, Europe, and Switzerland as well as dozens of crypto exchanges.

Both free and premium account options include full access to all the other features of the app, and all existing users will automatically be upgraded to premium, free of charge. In addition, premium accounts will have dedicated, priority technical and content support. 

David Martínez de Lecea, EXIRIO CEO, co-founded the company in 2020 with a clear objective in mind: "EXIRIO gives everyone the ability to understand their wealth better, and make data-based investment decisions on the path towards financial freedom. EXIRIO's vision is to become the conduit for investors to expand their knowledge, improving access to opportunities and overall wealth growth and performance."

Piero Politeo, EXIRIO COO, added: "The introduction of tiered subscriptions within the EXIRIO platform puts us on a clear path to revenue generation while continuing to offer a market-beating wealth tracking platform for our subscribers. This is a hugely important milestone for the company as we take proactive steps towards identifying the right investment partners who will support us on our journey of future growth."

EXIRIO allows users to track any investment or liability, in over forty different currencies. Unlike any other portfolio app, EXIRIO tracks the full investment history and performance of every asset added on the platform, not just their current value. EXIRIO is packed with additional features for convenience and peace of mind.

Users can upload all documents relating to their wealth (1 GB space is offered to any registered account) and third-party access (view, edit or emergency access) can be conveniently granted to trusted individuals - family members or investment advisors. In addition, data can be uploaded in bulk via CSV files, including Airbnb-generated CSVs for real estate owners renting their properties on the popular online rental marketplace.

EXIRIO is available on desktop, iOS, and Android, and a demo account is offered without any registration. EXIRIO uses AWS data centers located in London (UK). Please click here to review EXIRIO's security policy.

Contact Information:
Piero Politeo
[email protected]
Related Files
1p.png
3p.png



Press Release Service by Newswire.com

Original Source: EXIRIO Announces Launch of Premium Portfolio Tracking Services

CHICAGO - November 4, 2022 - (Newswire.com)

Life insurance ownership has been declining over the last decade. Based on LIMRA research in January of 2022, only 50% of consumers owned life insurance. That percentage was down from 59% in 2012. Life insurance owners may be tempted to ditch their current policy if they feel it's too costly or no longer needed. 

Fortunately, there are alternatives, such as getting life insurance with no medical exam, that can make it possible for shoppers to continue having a policy. Here are four questions life insurance owners should ask before ditching their life insurance.

1. Would the policyholder's life insurance policy give their beneficiaries the support they need?

A policyholder getting rid of their life insurance policy would mean their beneficiaries may lose the support they need if the policyholder were to pass away. In particular, if the policyholder is the primary wage earner, with the loss of their income, the family would struggle to pay daily living expenses such as gas and groceries. One survey found that families would start struggling within six months of the primary wage earner's death. Therefore, a life insurance owner should consider carefully if their family would still need their policy's death benefit if they were to pass away.

2. Is there a more affordable coverage option?

Given constantly changing financial circumstances, some life insurance owners may wonder if their policy is too expensive to continue owning. Instead of ditching the policy, life insurance owners can look around to see if there's a more affordable option. Some providers will allow a policyholder to convert their current policy into a different type. For example, a life insurance owner might decide a whole life policy is no longer affordable for them and choose to convert the policy to a cheaper term life policy.

3. Is the policyholder's family at risk of losing their house or car?

Some life insurance owners choose to get a life insurance policy to cover a debt, such as a car loan or mortgage. Life insurance owners may feel they've paid off enough of the debt to no longer need a policy. Instead of getting rid of the policy, an alternative that could be considered is reducing the coverage amount. For example, let's say an individual is currently 20 years into a 30-year mortgage. A policyholder could reduce their coverage amount to the amount left that needs to be paid off. Reducing the coverage amount also reduces the cost of the coverage, making it more affordable.

4. Will the policyholder's final expenses be taken care of?

Some policyholders may be at the point where their children are financially independent, and all of their debts are paid off. While life insurance may no longer be needed to cover these expenses, it might be needed to cover final expenses. Without a policy, funeral costs can burden surviving family members financially. If a policyholder's current policy is no longer needed, they could consider converting it to a final expense insurance policy. One advantage to this policy is that it generally requires no medical exam. Final expense insurance can help cover funeral and end-of-life costs and allow a family to keep their focus on grieving. Carefully considering these questions can help life insurance owners make a better decision on what to do with their policy.

Bottom Line

Answering the questions in this article is the first step to ensuring that you get an insurance policy that fits your needs. Of course, after really thinking about life insurance and how it can help your family, you probably have some questions of your own. With the rest of the questions, Fidelity Life can help guide you through the process. 

Fidelity Life offers no medical life insurance. Life insurance shoppers can discuss their options with an agent or shop for online life insurance quotes. The process is quick and easy and starts with answering a few questions to get matched with a policy that suits their needs. Fidelity Life will then guide the applicant through the application and purchasing process.

Contact Information:
Laura Zimmerman
Chief Marketing Officer
[email protected]
(312) 288-0068


Press Release Service by Newswire.com

Original Source: Fidelity Life: What to Think About Before Ditching a Life Insurance Policy

NEW YORK - November 4, 2022 - (Newswire.com)

iQuanti: Being prepared for a financial emergency can help keep you financially stable whenever you have unexpected expenses. There are several ways you can keep yourself prepared for a financial emergency, including building an emergency fund, getting a line of credit, or considering different insurance options. Here's what you need to know about how to be prepared for your next financial emergency.

1. Build an emergency fund

An emergency fund can help pay for car repairs, home repairs, and unexpected medical costs. It allows you to rely less on using loans or credit cards, and can also help keep you financially stable if you should ever be unemployed for an extended time period.

Many sources recommend having enough saved up to cover at least three to six months of expenses. If you're a business owner, sole breadwinner, or have variable income, it's recommended you save nine to 12 months' worth of expenses. Include putting money towards your emergency fund as a part of your monthly budget. You can start as small as saving $5 a week to begin your emergency savings. Set a goal of how much you want to save in total based on how much you spend each month.

2. Get a line of credit

A line of credit is similar to a credit card in that you can make payment amounts up to your borrowing limit. You'll only pay interest on the money you borrow. The interest rates on a line of credit are typically lower than on credit cards. This flexible loan can be a great option for unexpected expenses that are higher than your emergency savings.

The maximum amount of a line of credit will depend on the lender, but in general, it may be anywhere between $1,000 and $100,000. Your particular amount, rate, and terms will all be dependent on your risk profile and creditworthiness.

3. Get homeowners insurance

Repairing your home after a small fire can cost anywhere between $3,000 and $5,000. If the fire destroys a larger portion of the home, such as a roof or the kitchen, it may cost up to $50,000 to repair. Homeowners insurance is a policy that insures your home's structure and the belongings in it if a destructive event occurs. Destructive events can include fires, tornadoes, and vandalism. Additionally, because they are usually "package policies," homeowners insurance can cover your liability for any property damage or injury to others caused by you or members of your family, including your pet.

4. Get a life insurance policy

A life insurance policy can be useful for protecting your family financially if you die during the policy term. It's ideal to get a policy with a death benefit amount that's at least 10 times your yearly salary. Some sources also recommend adding an extra $100,000 for each child in your family. Younger individuals can get a 10 to 20-year term life policy at a relatively low cost. The death benefit can pay for funeral costs and keep your family financially stable. Consider all these options to help keep you prepared for your next financial emergency.

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

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


Press Release Service by Newswire.com

Original Source: How to Be Prepared for Your Next Financial Emergency

While the holiday season is a time of joy, it can also be stressful trying to get everything organised. Experts agree, getting in early and organising presents early will help take the hassle out of Christmas.

CHRISTCHURCH, New Zealand - November 4, 2022 - (Newswire.com)

Juggling a long list of preparations, gift shopping and the kids being home on school holidays can be particularly stressful for parents over the Christmas period. New Zealand's premium trampoline online supplier, SpaceJump recommends parents beat the crowds to ensure they don't miss out on the special gifts the kids really want.

Rather than purchasing lots of smaller gifts for the family, a combined gift for everyone is a great idea for families with more than one child. A trampoline is always a winner with kids at Christmas and as an added bonus, a trampoline encourages the whole family to spend time together outside. A combined gift also takes the pressure off thinking about what to get each child too.

Offering a range of high quality, safety focused trampolines at affordable prices, SpaceJump explains that typically there is a rush in the few weeks prior to Christmas as many people leave their gift shopping to the last minute. Purchasing big ticket items early will help families avoid the stress of worrying whether there will be stock or the order can be delivered on time. Experts say it's a good idea to sign up to receive email offers and other promotional material from various companies throughout the year to be the first to know about special offers, which can offer families big savings.

When a large item, such as a trampoline is the hero gift for the kids at Christmas, parents also need to factor in time to assemble the product. SpaceJump provides detailed assembly instructions for customers to make the set up easier and recommends a minimum of two people for the assembly.

On a mission to inspire active outdoor play for kids, the SpaceJump team are experts in the industry and are committed to providing the safest products. Striking the perfect balance of safety and fun without compromising on gravity-defying bounce, shop for the best trampoline NZ wide online at SpaceJump today to ensure no family member is disappointed on Christmas Day.

Contact Information:
Space Jump
Marketing Manager
0800 99 66 77


Press Release Service by Newswire.com

Original Source: With Christmas Just Around the Corner, Now is the Time to Get the Kids' Gifts Sorted

VANCOUVER, Wash. - November 3, 2022 - (Newswire.com)

Sparr Heights Estates, a Sinceri Senior Living Community based in Montrose, California, received the company's first-ever electric bus on Friday, Oct. 14. The delivery of the bus included a ribbon cutting and celebration amongst the staff and residents, who were able to give the vehicle a test ride. 

The electric bus is a large feat for the community as they move toward cleaner and more efficient energy. Electric vehicles emit fewer greenhouse gasses and air pollutants and contribute positively to local air quality.

The bus is a 2022 Ford E-Transit, which offers exclusive features, including a fully electric engine, smart technology, and an average range of 126 miles per trip. This all-electric vehicle will allow the community to charge it on-site, reduce the costs of traveling operations, and decrease their CO2 emissions significantly. 

In addition, there will be an estimated 40% lower cost versus comparable buses that operate using gasoline. It also requires less maintenance, fewer moving parts, and eliminates the need for oil changes. The bus charges within 8-11 hours, which will allow Sparr Heights Estates to charge it overnight and be ready for traveling activities every day. 

Rachel Rudiger, Sinceri's V.P. of Environmental Operations, stated, "Sinceri Senior Living is plugging into the future—and the future is electric. In addition to the environmental benefits of our first zero-emissions community van at Sparr Heights Estates, going electric will reduce the ongoing maintenance and preventative care substantially."

The electric bus is the first step in taking part in California's ambitious goals on climate change, petroleum reduction, adoption of zero-emission vehicles, and renewable fuels. California's Clean Transportation Program, which was established in 2007, then extended to 2024, plays a vital role in supporting the state's sustainable, long-term, economic development. Sparr Heights Estates, as well as Sinceri Senior Living, are looking forward to active participation in the program and continuing to expand into sustainable energy solutions. 

About Sinceri Senior Living:

Sinceri Senior Living is a premier, senior living management company that provides service to seniors in 21 states, serving approximately 3,800 seniors across the U.S. Sinceri Senior Living manages all levels of care, including independent living, assisted living, memory care, and skilled nursing communities. From the legacy of its first dedicated memory care community more than 35 years ago, Sinceri Senior Living has built a reputation for expertly managing senior living properties, including owned and managed facilities, with highly sought personalized care and exceptional, unique programming for residents and their families. 

Learn more about Sinceri Senior Living at www.sinceriseniorliving.com.

Contact Information:
Madison Allen
Marketing Specialist
[email protected]
5404710742


Press Release Service by Newswire.com

Original Source: Sparr Heights Estates Receives Company's First-Ever Electric Bus

NEW YORK - November 3, 2022 - (Newswire.com)

iQuanti: A small loan can help you to stay afloat in the case of an unexpected cost, and the process of getting one doesn't need to be complicated. In fact, it's easier than ever to see what qualifications you need in order to apply, thanks to the internet. 

To create a quick and convenient experience and ensure successful loan accrual, you'll want to be sure to follow a few simple guidelines. From cash advances to personal loans, here's everything you need to know about getting a small loan in fall 2022.

Understand when to get a loan

When you're looking to borrow money, there are a few options to do so. Two common choices are borrowing through a loan or via a line of credit. Each of these offers its own benefits and potential drawbacks, depending on your unique situation. 

Loans are useful in instances when you have a planned purchase that requires funds you don't have readily available. With loans, you know exactly what you're signing on for at the point of the initial agreement. You'll know when your payments will conclude, how much they will be, and any other relevant terms. 

Lines of credit, on the other hand, may be useful for ongoing or unexpected expenses. They can offer more flexibility than loans, as you can borrow what you need and make payments when it suits you.

Choose a loan type

There are plenty of loan options out there that fit every unique situation. Sources for your loan can include: 

• Cash advance lenders
• Banks or financial institutions 
• Installment lenders
• Loved ones

Choosing your loan type can depend on many factors. If you only need a small amount (less than $500) and can pay it back quickly, a cash advance may be easiest. However, if you need a larger loan amount or the flexibility to pay the debt back over time, an installment loan may make more sense.

Compare lenders

Once you've decided which loan is right for you, it's time to start comparing lenders. You can decide to go through the financial institution that you're already a member of or choose to go with a third party. 

Generally, people will borrow from a lender with the right rates or terms given their circumstances. For example, if your financial institution does not provide the loan you're looking for or has higher interest rates than another option, you may want to carefully compare lenders to find which offers better terms for you. 

Understand your eligibility 

A few factors can influence your eligibility for a loan and should be carefully considered when choosing a loan type. This is because some options are more catered to things like poor credit (with higher fees and more rigid terms), while those with better financial history may be able to receive better borrowing terms. Knowing where you stand in regard to qualifying markers like employment history, references, and credit can help you make a more informed decision in the end. 

The bottom line

Getting a small loan in 2022 is easy, with more options than ever. To make sure you're choosing the right option for you, it's important to take the time you need to research before applying. Because many loans require credit checks and proof of income to determine eligibility, be sure you select the right option for your unique needs. 

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

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


Press Release Service by Newswire.com

Original Source: How to Get a Small Loan in Fall 2022