Custodians across the nation recognized and appreciated ahead of National Custodian Day 2022.

HUNTERSVILLE, N.C. - November 3, 2022 - (Newswire.com)

With the increased need for more in-depth cleaning due to the COVID-19 pandemic making an already difficult job more challenging, Rubbermaid Commercial Products (RCP), the leader in innovative, solutions-based commercial products, elevated and celebrated cleaning and facility maintenance teams across the United States.  

Throughout the week of Sept. 26, 2022, RCP hosted more than 15 Behind the Scenes of Clean events nationwide. During these events, RCP team members and leadership personally thanked more than 3,500 custodians and provided catered lunches, gift bags and a custom plaque to each cleaning team in recognition of their hard work.  

"It's inspiring to myself and the entire team how these individuals show up day after day to the challenge of maintaining and exceeding heightened sanitation standards, especially within these last two years," said Mike McDermott, CEO of Newell Brands' Commercial Business Unit. "The care and peace of mind they provide cannot be understated - or underappreciated." 

These Behind the Scenes of Clean events are an integral part of the Rubbermaid Commercial Products business and partnerships, and we are excited to see how these events continue to grow and evolve.   

Photos from the event, as well as more information, can be found at https://www.rubbermaidcommercial.com/behind-the-scenes-of-clean.

About Rubbermaid Commercial Products 

Rubbermaid Commercial Products (RCP), headquartered in Huntersville, NC, is a manufacturer of innovative, solution-based products for commercial and institutional markets worldwide. Since 1968, RCP has pioneered technologies and system solutions in the categories of washroom and safety, cleaning, waste handling, material transport, and food services. RCP is part of Newell Brands' global portfolio of leading brands and continues to develop innovative products.  

Visit wwww.rubbermaidcommercial.com, and join us on Facebook (@rubbermaidcommercial), Instagram (@rubbermaidcommercialproducts), LinkedIn (@rubbermaidcommercialproducts), & Twitter (@RubbermaidComm) to learn more. 

Contact Information:
Caitlin Smith
Brand Activation Manager, Rubbermaid Commercial Products
[email protected]


Press Release Service by Newswire.com

Original Source: Rubbermaid Commercial Products Honors Everyday Heroes With Behind the Scenes of Clean Celebration

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

iQuanti: Financial emergencies can happen anytime. Having a proper plan can help protect you from suffering a significant financial loss. A few things that should be a part of your emergency preparedness plan include having an emergency fund and having health and life insurance. Before you encounter a financial crisis, here are four things you should include in your financial emergency preparedness plan.

1. Emergency fund

An emergency fund is a specific amount of money you set aside to help cover you in the event of a financial emergency. Some examples of emergencies that can happen include getting laid off, missing work due to illness or injury, or unexpected car or home expenses. Your emergency fund can be used to supplement or replace your income if you're out of work for a period of time. It can take care of unexpected expenses and prevent you from going into debt. It's ideal to save up at least three to six months of income so you can continue to cover your essential costs until you find a new job.

Set a goal for how much you'll put into your emergency account each month. If you're living paycheck to paycheck, you can start with a small goal of saving 2% of your net income. Set up automatic recurring transfers to make it easier for you to make consistent contributions. 

There may be times of the year you receive a higher amount of income than normal, such as getting a tax refund. It's a good idea to put the extra money into the emergency fund. Consider also setting up automatic notifications of how much money is currently in the emergency savings account. This can help you keep track of how much is in your emergency fund and motivate you to keep saving money as you watch it grow.

2. Health and life insurance

Different types of insurance can help protect you or your family from unexpected financial expenses. Health insurance is designed to pay for health or medical expenses. Depending on the type of insurance chosen, it may cover some or all of the costs of emergency care, routine care, and chronic illness treatment. Life insurance is an agreement where as long as premiums have been paid, the insurer will pay out a lump sum of money to a designated beneficiary if the policyholder dies. Other types of insurance that can protect you against financial emergencies include home insurance, renters insurance, and disability insurance.

3. Get physical copies of important documents

In today's digital age, important documents are being stored online more than ever before. But in the event of a natural disaster that may cut off power or internet, it's necessary to have physical copies of your documents stored. Get a printout of documents such as your bank account information, birth certificate, social security card, and insurance policies.

4. Document your valuables

If your home is ever damaged or destroyed, having a home inventory can make filing a claim with your home insurance company easier. Write down the serial numbers of major items and take photos of your possessions. Home insurance is designed to protect both the physical structure of your home and the belongings that are in it. Including all these things in your financial emergency preparedness plan will help keep you financially stable when an emergency happens.

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

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


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Original Source: 4 Things to Include in Your Financial Emergency Preparedness Plan

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

iQuanti: The Federal Reserve raises interest rates to help combat inflation. In May of 2022, when the Fed raised its rate by half a percentage point, it was the biggest increase in 22 years. It's important to know what rising interest rates mean and how to be prepared for a Fed rate hike. Being prepared will help you to minimize any negative financial impact. Here are what rising interest rates mean and four ways you can prepare for them.

What do rising interest rates mean?

When the interest rate changes, it can have both a positive and negative effect on the market. While the stock market responds immediately to these changes, the full economic impact isn't seen until at least 12 months. When interest rates rise, it makes it more expensive to borrow money. Interest costs for credit cards, student debt, mortgages, car loans, business loans, and home equity lines of credit all increase. With higher mortgage rates, it's more difficult for consumers to afford home prices that have risen since the pandemic. 

It causes consumers to start spending less, decreasing demand for goods and services and causing inflation to decrease. The positive side of an interest rate hike is that it causes savings rates to rise. This means that savers will start earning interest again. Nonetheless, it doesn't occur quickly, and saving rates will likely still be low. 

How to prepare for the next Fed rate hike

Before the next Fed rate hike occurs, there are four things you can do to help yourself be prepared:

1. Pay down your credit card debt

Whenever the fed funds rate goes up, it increases the lending rates that banks offer to customers. The increased lending rates cause an increase in your credit card rates within a few statements. If you currently have a balance on your credit cards, look into transferring that balance to a zero-rate balance transfer card that's locked in for one to two years. It'll protect you from paying more due to rate hikes, making it easier for you to completely pay off your debt. More savings and less debt can put you in a better financial position to manage future rising interest rates.

2. Search for good savings yields

As mentioned earlier, when rates rise, savers earn interest on their accounts. Look for savings accounts with the highest yields and start saving regularly. CDs are a popular option since they have higher interest rates than other savings accounts and are federally insured. The account being federally insured means you're protected against loss if the bank fails.

3. Work on your credit score

With a higher credit score, you're more able to qualify for the lowest available rates on credit cards. That can help with offsetting the increased cost of borrowing. Be sure to continue paying your bills on time and avoid using more than 30% of your available credit.

4. Look for ways to increase your earnings

As rising interest rates cause the cost of living to rise, it's a good idea to look for more ways to increase your earnings. You can seek more education and training or pursue other means of increasing your skill set. Data from the Labor Department has shown that joblessness is lower for those with bachelor's degrees or higher. By taking these actions, you can help keep any negative financial impact from rising interest rates to a minimum.

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: 4 Ways to Prepare for Rising Interest Rates

Licensed for 450 tons of food waste per day, Bright Feeds' inaugural plant converts unwanted food into animal feed—reducing greenhouse gas emissions and saving companies and municipalities money.

BERLIN, Conn. - November 3, 2022 - (Newswire.com)

Bright Feeds, a New England-based green startup, opened its first food waste processing plant in Berlin, Connecticut, last week. Licensed to process 450 tons of food waste per day for the next 10 years, the plant is positioned to fill a waste processing gap left by the July 2022 closure of the MIRA plant in nearby Hartford.

"With Bright Feeds here, we have a bright future in Connecticut," says Katie Dykes, Commissioner of the Connecticut Department of Energy and Environmental Protection (DEEP). "I'm excited about what this could mean, not just for Berlin, but for helping Connecticut solve this waste disposal crisis in a really exciting way."

Bright Feeds' 25,000-square-foot plant uses cutting-edge artificial intelligence and drying technology to convert unwanted food into an all-natural, nutritious soy and corn substitute for animal feed. Bright Feeds developed its proprietary drying technology with engineers at Boston College and Worcester Polytechnic Institute. It uses best-in-class technology sourced from around the globe, and manufactured and assembled in the U.S. 

At capacity, the environmental impact of the Berlin plant is equivalent to removing 22,000 cars from the road every year. The carbon-negative process uses less energy and is more scalable than other food waste recycling solutions. 

"Not only are we solving the food waste problem, but we're doing it in a way that's more efficient than anything else commercially available," says Bright Feeds President and COO Tim Rassias.

Food waste is a key contributor to climate change:

• Globally, if food waste were a country, it would be the third greatest greenhouse gas emitter after China and the U.S. (World Resources Institute).
• In the U.S., about 40% of food is never eaten—and nearly 70% of that waste typically ends up in landfills or greenhouse gas-emitting incinerators (USDA; EPA).
• New England produced over 2 million tons of food waste in 2019, with 520,000 tons produced in Connecticut, where food makes up about 22% of disposed waste (Connecticut waste study).

"41% of what we burn and bury every year is actually valuable material: It's food scraps, it's yard waste, it's all kinds of organics that are incredibly valuable and can be repurposed," says Dykes. "The Bright Feeds model is, for the first time, at scale, turning food waste into a food source for animals, which is one of the best uses for organic material under Connecticut's waste hierarchy." 

According to the EPA, feeding animals is the top solution for reducing food waste after feeding hungry people.

"Yes, we can turn it into compost. Yes, we can turn it into energy. Those are all good—but the best thing is to take this stuff and preserve it as food and use it," says Bright Feeds Board Chairman and investor Scott Kalb. "That's what we're doing."

Thanks to its pioneering technology, Bright Feeds can accept a wider variety of food waste than its competitors: not just dry, grain-based waste, but also vegetables, fruit, and other wet waste. 

"We're a one-stop shop for food waste," says CEO Jonathan Fife. "We built our whole process around taking a variety of inputs and producing a consistent, high-quality feed."

Using a variety of food waste enables Bright Feeds to consistently produce a highly nutritious product. Bright Feeds then sells the meal to animal feed manufacturers who use it as an ingredient in their feed.

Bright Feeds keeps food out of the waste stream—and saves money for food producers, waste management companies, and municipalities.

New England's ongoing waste crisis calls for creative solutions. With shrinking landfill space, higher gas prices, and multiplying tipping fees, businesses and municipalities face increasing challenges on what to do with their trash. 

Bright Feeds enables the responsible disposal of unwanted food for a fraction of typical tipping fees.

The Berlin plant is located between I-91 and I-84, near USA Waste's new recycling center and with easy access to New York City and Massachusetts. Bright Feeds also has a collection point in Fitchburg, Massachusetts, and others in the works. The company plans to scale up with additional plants first in New England and then throughout the country.

Contact Information:
Laxmi Wordham
[email protected]
917-319-9329


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Original Source: Bright Feeds, Connecticut's New Food Waste Recycler, Opens Plant in Berlin

Meditation Library Offers a Moment for Your Health, a Space for Belonging, and the Chance to Learn to Meditate Without Judgment

TENAFLY, N.J. - November 3, 2022 - (Newswire.com)

Pause Breathe Reflect™ - the lifestyle brand on a mission to prompt mindfulness, community, and stress reduction - today, in honor of National Gratitude Month, unveils The Pause Breathe Reflect Meditation app with 30 Days of Gratitude. Designed to invite users to slow down, quiet their minds, and meditate without judgment, the app is the culmination of Pause Breathe Reflect™ founder Michael O'Brien's 21-year mindfulness journey. 

Meditation Teacher Michael O'Brien first discovered mindfulness and meditation in 2001 while recovering from a near-death cycling accident. Frustrated with his healing progress, he knew he had to heal his mind to heal his body. The next day, Michael began his mindfulness practice with his first Pause Breathe Reflect moment. Over time he got healthier and kept a consistent mindfulness practice that helped him navigate a stressful executive career and the pressure of modern family life and living. His positive experience with mindfulness inspired him to become a qualified mindfulness-based stress reduction teacher and share the value of slowing down and taking a moment to Pause Breathe Reflect. 

The Pause Breathe Reflect Sangha Meditation and Relaxation app, available in the App Store beginning today, offers a breadth of one-minute to ten-minute daily practices to turn to when users need to catch their breath and take a moment for their health. Consumers will find meditations to support them when dealing with work stress, anxiety, grief, and lighter moments like during a bathroom break, before playing pickleball, and when asked again, "What's for dinner?"

In addition to the on-demand meditation library, the Pause Breathe Reflect™ app will also offer live meditations multiple times per week - an effort to combat increased feelings of loneliness amongst most Americans (source) and foster feelings of community and belonging. Beta users have called the app "the best way to relax and ease my stress" and noted "my days are full, and many days are challenging and unpredictable. I love knowing I can rely on Pause Breathe Reflect to center me and also put the day into perspective and fill me with a bit of calm."

To learn more and download the app, visit www.PauseBreatheReflect.com.

About Michael O'Brien

Michael helps companies build inclusive cultures and inspired team members as Chief Shift Officer at Peloton Executive Coaching when he's not supporting others in their mindful living journey. He is also a passionate cyclist, having completed a ride across America this summer profiled by Bicycling Magazine. 

Contact Information:
Michael OBrien
Chief Meditation Officer
[email protected]
201-697-6820


Press Release Service by Newswire.com

Original Source: Pause Breathe Reflect™ Unveils Meditation App in Celebration of Gratitude Month

NEW YORK - November 2, 2022 - (Newswire.com)

iQuanti: You've achieved what every parent longs for: you raised your children into independent, self-sufficient adults. It's time to congratulate yourself and settle into the next phase of life. Big changes in the household are bound to require some reorganizing, though, so here are a few things you might want to think about after your kids leave home:

Downsizing

With fewer people in the household, you may want to consider downsizing to a more practically-sized space. After all, this will likely be where you spend your retirement, so it's vital to plan for when you'll be living with a fixed budget. 

Downsizing can be more than just a financially-prudent move. As you age, it becomes increasingly important to stay connected to the larger community around you. When you're open to a smaller home, you have more flexibility in where to look. You can be closer to facilities and resources you need, like groceries, doctors, and community spaces. With your kids out of the home, this can be a good time to move closer to the rest of your family or get a place closer to the friends you've been meaning to spend more time with. Think of this as an opportunity to save money and connect with your community.

Their legacy

With children out of the house, many parents have the free time to think about what they'll leave behind. This may be a good opportunity to talk to a lawyer and update your estate plan. If you have a permanent life insurance policy like whole life insurance or a universal life policy, a big change can be a good time to update your beneficiaries and their information.

Travel

When your kids move out of the house for good, that usually means fewer expenses—consider using some of those funds to travel. Are there still places on your bucket list you haven't visited? Take some trips out into the world, explore new places, and give yourself some time away from your empty nest.

Hobbies and activities

Fewer people in the house also means more time to pursue the interests you've been putting off. Have you always wanted to take up crocheting? Were you part of a hockey league before you had children? This is the perfect time to restart old hobbies or take up new ones. 

Their growth

An empty nest can leave an emotional vacuum that may feel impossible to fill, and for good reason: your children are irreplaceable. That's why it's so important to make the most of the years after they leave the house. As you work on yourself and your projects and grow more involved with the friends and people around you, your children will have the comfort of knowing their parents have also spread their wings.

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: What Empty Nesters Should Consider

CHICAGO - November 2, 2022 - (Newswire.com)

Millennials aren't immune from conversations surrounding life insurance, though they tend to steer clear of it. In reality, life insurance is a powerful tool that can make a huge difference in anyone's life, from the point of purchase to the day they die. Not only can life insurance be a valuable financial tool helping to round out a portfolio for the policyholder, but it also protects those they love long after they're gone. 

Finding and securing life insurance as a millennial should be relatively easy, but inconveniences like medical exams can quickly get in the way. Read on for a breakdown of life insurance, including life insurance with no medical exam, and to better understand why 45% of millennials are aiming to purchase life insurance. 

How Life Insurance Works for Millennials

For the most part, life insurance for millennials works the same as it does for other generations. Best of all, it usually only requires a few steps. 

• Determine the necessary policy amount
• Find a life insurance company
• Submit an application and relevant paperwork

After approval, policyholders will receive all the necessary information to maintain their policy and should keep it handy for when their beneficiaries may need to access it. 

One area where life insurance can differ for millennials, or young adults in general, from older generations is the ease of applying.

The Benefits of Getting Life Insurance as a Millennial

Smoother Applications

The older one gets, the more challenging it can be to secure life insurance coverage. Usually, life insurance companies are hesitant to issue policies to unhealthy individuals as it increases the likelihood of early payout. However, it's a fact that as people age, they are more likely to experience health issues, which is why many life insurance companies require older applicants to take a medical exam before approval. To avoid this, apply when young and healthy. 

Better Rates and Coverage

Not only does being young help with the application and approval odds for life insurance, but it can also provide access to better rates and coverage. The less risk a person poses, the better they can expect their life insurance terms to be. Lower premium amounts with higher benefit payouts are always preferable and, luckily for millennials - more likely. 

Policy Types

With a general understanding of how life insurance works and the benefits of purchasing young, it's also important to know the types of life insurance available. Term life insurance is one option that can be a great choice for millennials.

Term Life Insurance

Term life insurance is a policy that is only valid for a specific amount of time. For example, if a person purchases a 10-year term policy, their policy will expire 10 years from the date of implementation. In some cases, they may be eligible to extend the policy. However, this depends on the insurer and is not always possible for every scenario. While term life insurance is typically flexible and affordable, especially for younger generations, it does not last forever. 

Why millennials should consider life insurance

Just because you're young and healthy right now doesn't mean you should ignore the benefits of life insurance. Many millennials are waiting later to enter the workforce, buy homes and have children, so it stands to reason that many are also waiting longer to buy life insurance. In addition, studies have shown they also overestimate life insurance costs and don't think it's as important as other monthly expenses. However, there are plenty of reasons to prioritize life insurance sooner rather than later.

Fidelity Life offers policies including no medical exam life insurance, making it faster and easier for people to get coverage. First, an applicant provides information to help match them with a life insurance policy that meets their needs. Then the applicant can select the policy and get a quote online or with the help of a licensed agent. 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


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Original Source: Fidelity Life: Life Insurance for Millennials

NEW YORK - November 2, 2022 - (Newswire.com)

iQuanti: Pawn shops offer some of the fastest and easiest secured loans. You can use nearly any item as collateral and get a loan that same day with no credit checks. However, borrowers who have never gotten this type of loan and need one now may be confused about how it works. Understanding the process will make things go as smoothly as possible so you can get the funds you need without any hassle. This guide will walk you through how to get a pawn shop loan in five steps:

1. Select your collateral

First, pick an item you want to use as collateral. You want something valuable enough to get you the loan amount you need but not so valuable that you're not willing to lose it. That's because the pawn shop could seize your item if you fail to repay. Before you bring in the item, make any repairs needed and ensure it's nice and clean. The quality of the item can help you get a larger loan.

2. Find a pawn shop

Once you have your collateral, you'll need to find a pawn shop to get a loan from. Pawn shops differ in the items they specialize in. For example, some may specialize in jewelry, while others may lean toward musical instruments and equipment. Additionally, you'll want to find pawn shops' reviews, if possible, to ensure they're legitimate. So, it's smart to research and find a pawn shop that specializes in your collateral. This could help you get a more accurate appraisal and, potentially, a larger loan amount and better terms.

3. Get the item appraised

Next, bring your item to the pawn shop. The pawnbroker will spend some appraising the item to approximate its value. There are no credit checks for pawn loans, so no need to authorize one. When finished, they'll bring the item back and offer you a loan amount and terms. You may be able to negotiate a bit, depending on the pawnbroker and your willingness to haggle. 

4. Accept the loan and begin repayment

Once you and the pawnbroker arrive at an agreement, and you've read the terms of the loan, you'll accept the loan and sign the paperwork. The pawnbroker will take possession of your collateral for the time being. They'll then disburse the loan to you as either a check or direct deposit. The pawnbroker will also give you a pawn ticket so you can prove you're the owner of the item when you come back later to repay your loan.

5. Reclaim your item upon payoff

Pawn shop loans can last from 30 days to a few months. In order to get your item back, you'll have to pay off the loan plus finance charges within the term length you agreed to. Then, you can show your pawn ticket to the pawnbroker to reclaim your item.

If you're unable to repay by the due date, you may be able to extend the loan for some fees. If you're unable to repay in general, the pawn shop will take the item from you and sells it to recoup losses. But luckily, there are no other consequences, such as credit damage or collections calls. 

The bottom line

Pawn shop loans are extremely fast and easy to get if you know the process. Start by choosing your collateral and researching pawn shops to find a reputable pawnbroker specializing in your item. Then, just bring that item in for appraisal and accept the loan terms if they work for you. Repay the loan on time, and you'll get your item back. The worst that happens is you lose your item if you're unable to repay. Follow this process and you'll have a pawn shop loan before you know it.

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 Pawn Shop Loan in 5 Steps