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TTUHSC El Paso Welcomes Diverse Student Body for New Academic Year

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TTUHSC El Paso Welcomes Diverse Student Body for New Academic Year
A Hispanic-Serving Institution, TTUHSC El Paso prepares students to meet the health care needs of its community


Dental medicine students treat patient

Second-year Hunt School of Dental Medicine student Anna Ceniceros works with a pediatric patient in the Texas Tech Dental Oral Health Clinic.

EL PASO, Texas - November 2, 2022 - (Newswire.com)

For the new academic year, Texas Tech University Health Sciences Center El Paso welcomes a diverse group of students as the country's next generation of culturally competent health care leaders.

TTUHSC El Paso is one of three health sciences centers in the U.S. designated as Hispanic-Serving Institutions and the only one on the U.S.-Mexico border. Forty-eight percent of its students are Hispanic, and 52% are from Texas border counties. The education students receive not only prepares them to practice in border counties like El Paso, but for the changing face of America. 

The U.S. Census Bureau predicts Hispanics will account for 25% of the U.S. population in 10 years. However, less than 6% of physicians in the U.S. identify as Hispanic. To fill the gap, TTUHSC El Paso is educating future Hispanic health care providers who are bilingual, thanks to required medical Spanish courses for medical and dental students. In 2020-2021, 64% of the university's graduates, including M.D. recipients, identified as Hispanic.

First-year Foster School of Medicine student Melissa Esparza is ready to begin her journey at the university — one she dreamed of as a child, growing up just a couple miles south of El Paso in Ciudad Juárez, Mexico. When Esparza was 12, she and her family moved to El Paso, fleeing a wave of violence that emerged on the other side of the Rio Grande. "Although I was 12, I understood as a woman in Mexico, my opportunities were limited," Esparza said.

In middle school, she developed a passion for science, leading to a fascination with medicine. She was accepted into the Foster School of Medicine in 2022, where she's learning to be a physician in today's world, thanks to community immersion courses and early clinical experiences. "Attending medical school in my hometown has been an enriching experience," Esparza said. "It's allowed me to give back to the community that shaped me into who I am today."

Since 2009, the Foster School of Medicine has educated nearly 800 graduates who have become or are becoming practicing physicians. Joining the workforce ensures that Health Professional Shortage Areas like the Borderplex — which includes Texas, New Mexico and Mexico — will meet the demand for access to patient care.

A few feet from where medical students train, Anna Ceniceros, a second-year Hunt School of Dental Medicine student, is improving her dentistry skills in the school's Dental Learning Center. Ceniceros, the daughter of hardworking migrant farmworkers, arrived in El Paso from Clarendon, Texas, a Panhandle town with a population of just over 2,000. 

In elementary school, Ceniceros attended a field trip to a dentist two hours from her hometown. She didn't know who a dentist was or what they did. The experience changed her life and she never stopped thinking about becoming a dentist. "Coming from an underserved area has been integral in my desire to become a dentist," said Ceniceros. "Now I'm sitting in the dentist's chair doing what I've dreamed about for decades." 

In her second year of dental school, Ceniceros is also mastering medical Spanish. The Hunt School of Dental Medicine is the first in the U.S. with a medical Spanish requirement, and the school's curriculum also includes clinical experiences within the first semester, a nontraditional approach among most dental schools. 

"The biggest lesson I've learned is there's always more skill development. I'm excited to put into action the new procedures we've learned and serve the community that supports us," Ceniceros said. In one year, she and her peers have provided more than 5,200 hours of clinical care in the Texas Tech Dental Oral Health Clinic, the clinical arm of the Hunt School of Dental Medicine. 

This year, the 61-member class of 2026 joined Ceniceros's inaugural class of 40. Over a third of the class of 2026 come from West Texas and the U.S.-Mexico border region, including three from New Mexico. 

Because most graduating dentists establish practices near their schools, the school will alleviate a shortage of dentists in the Borderplex. In El Paso County, there's only one dentist for every 4,840 residents, compared to a national average of one for every 1,638.

In addition to adding more physicians and dentists to the workforce, TTUHSC El Paso is educating future biomedical researchers at the Francis Graduate School of Biomedical Sciences who study the dynamics of health conditions affecting Hispanic populations. 

Research conducted by faculty and students at TTUHSC El Paso is crucial in saving lives among our community due to cutting-edge studies that produce results specifically for people of our border region. Often, minorities, including Hispanics, are excluded in studies and clinical trials, meaning the results of those initiatives rarely benefit residents of El Paso County, 82.9% of whom are Hispanic. 


Contact Information:
Marty Otero
Media Relations Specialist - National Media
[email protected]
915-215-6017


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Original Source: TTUHSC El Paso Welcomes Diverse Student Body for New Academic Year

Optimize Health Joins Panda Health’s Marketplace to Deliver Leading Remote Patient Monitoring Solution to Health Systems

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Optimize Health Joins Panda Health’s Marketplace to Deliver Leading Remote Patient Monitoring Solution to Health Systems
Entry in the Marketplace enables providers and enterprise-scale healthcare systems to deliver a personalized, continuum of care that connects in-office and at-home solutions

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

Optimize Health, a leader in the rapidly growing remote patient monitoring (RPM) industry, today announced their status as a Panda Awarded Supplier in the RPM solution category and entry into Panda's Digital Health Marketplace. Panda's Marketplace offers a trusted, centralized place for health system professionals to search, research, and select the best digital health solutions for their businesses and patients.

Optimize Health's leading RPM solution is now available to Panda Health's network of health systems and enables them to find the solutions that easily integrate with their existing technologies and provide proven results for their practice and patient outcomes. 

"Panda Health shares Optimize Health's mission to make digital healthcare solutions easily accessible, and help accelerate the digital transformation of patient-centered care," said David Harvey, CEO at Panda Health. "By bringing Optimize Health into our Marketplace, we are helping providers deliver personalized care that drives better outcomes for their patients, with stronger ROI for healthcare organizations, and optimal results for practices." 

Benefits of Optimize Health's RPM Solution

Optimize Health offers a full-service solution that delivers better patient outcomes via: 

  • Leading remote care technology: Platform centralizes patient data and highlights the most critical information first, facilitating outcome-positive workflows across patients
  • Managed servicesA complete suite of services to support clients at every stage of their RPM journey--from patient identification to continuous remote patient onboarding
  • Security and complianceOptimize Health's program and organization is HITRUST certified, complying with the industry standard of security and privacy for healthcare solutions

"We are excited to partner with Panda Health by being a part of their innovative digital healthcare Marketplace," said Todd Haedrich, CEO of Optimize Health. "Our inclusion in their Marketplace allows their network of hospitals and health systems to leverage RPM and remote care solutions to expand the quality and quantity of meaningful health care interactions outside of in-person office visits." 

To learn more about Optimize Health's RPM solution in Panda Health's Marketplace, please visit panda.health.

About Optimize Health

Optimize Health is a leading provider of remote patient monitoring (RPM) solutions, helping provider groups across the country deliver high-quality care beyond the practice walls. Through a powerful combination of platform technology, connected devices, and expert support, we help clients and patients build deeper bonds outside of the office visit and unlock better outcomes, faster. To learn more, please visit www.optimize.health.

About Panda Health

Panda Health is a marketplace that transforms how health systems discover, procure, and implement digital innovations that make life better for consumers. Formed in 2020 as an independent company, Panda was founded through a partnership between three leading health systems, CentraCareGundersen Health System, and ThedaCare, with the development and investment firm Fitzroy Health

For media inquiries, contact:

Sunny Bjerk

[email protected] 


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Sunny Bjerk
Senior Director, Product Marketing
[email protected]


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Digitunity to Host Webinar Series Highlighting Digital Divide Survey Findings

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Digitunity to Host Webinar Series Highlighting Digital Divide Survey Findings
The national digital inclusion organization will share findings on how cities and community groups are working to close the 'digital divide.'

CONWAY, N.H. - November 2, 2022 - (Newswire.com)

Digitunity, a national nonprofit organization that advances digital equity through device ownership, and network science agency Visible Network Labs (VNL) are hosting a series of webinars to present findings from a survey on how 10 U.S. cities are working to close the digital divide.

The digital divide is the disparity between those who have ready access to computers and the internet, and those who do not. Studies show that this deep, persistent inequity keeps under-resourced people from achieving economic and educational success.

"When the COVID-19 pandemic began, it highlighted a longstanding issue in our country, which is that millions of people in America are still unable to benefit from the opportunities that the internet provides," said Scot Henley, Executive Director of Digitunity. "The survey findings explore the relationships across sectors in each city and create opportunities for new or improved partnerships to embrace the power of collective action to achieve digital equity."  

Conducted during the summer of 2022, participants of the survey included nonprofits, government offices, businesses, and other organizations in each of the cities that: 

  • Are currently involved in or leading their city's digital equity efforts.
  • Would like to be involved in digital equity efforts.
  • Have resources to provide to advance digital equity.
  • Have opinions about or a stake in digital equity in their city.

 Details about each upcoming webinar, including registration links, can be found below:

A critical step towards advancing digital equity is ensuring everyone has access to a large-screen device, such as a desktop, laptop, or tablet. The survey led to the creation of network maps for each city along with geographic information system (GIS) maps. Through this visualization tool, stakeholders and community groups have a better understanding of who is involved and connected.

"Working with a network of partners is essential to building a collaborative advantage," said Dr. Amanda Beacom, Vice President of Research & Data Science, VNL, "Most organizations build networks using a 'more is better' mentality that saps their time and resources. The community partner relationship manager is designed to track, map, and adapt networks in real-time using network science data and insights."

Having a connected computer and the skills to use it productively is a fundamental need. The issue of the digital divide disproportionately affects communities of color but persists across all boundaries. Digitunity remains committed to eliminating the technology gap, so everyone can thrive in a digitally connected society. To learn more, please visit www.digitunity.org

About Digitunity

Since the 1980s, Digitunity has advanced digital inclusion by connecting donors of technology with organizations serving people in need. Our mission is to ensure everyone who needs a computer has one, along with robust internet connectivity and digital literacy skills. To learn more about our mission, please visit www.digitunity.org

About Visible Network Labs (VNL)

Visible Network Labs is a team of network scientists, developers, data analysts, evaluators, and technologists working together with a shared mission of building society's capacity to transform and strengthen social connectedness at all levels of life. VNL focuses on creating new tools, training, and services to make network science and analysis accessible to those who need it.

They worked with the Bill and Melinda Gates Foundation to evaluate their Networks for School Improvement portfolio and guide their strategy moving forward. They also worked with LA County to strengthen the LA Mamas collaborative health partnership for low-income mothers in the Los Angeles metro area. To learn more, please visit https://visiblenetworklabs.com


Contact Information:
Maria Penaloza
[email protected]


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Despite Storm Damage, Lifestyle Healing Institute Reopens with Positive Outlook for Future

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Despite Storm Damage, Lifestyle Healing Institute Reopens with Positive Outlook for Future
After enduring the deadliest hurricane to hit Florida in almost 90 years, Lifestyle Healing Institute is open again and focused on a full return to pre-storm practices.

NAPLES, Fla. - November 2, 2022 - (Newswire.com)

Despite taking a devastating blow from Hurricane Ian, Lifestyle Healing Institute (LHI) reopened less than a week after the Category 4 storm ravaged Southwest Florida. While the complementary and alternative treatment center still faces significant challenges, founder Wyatt Palumbo said a combination of careful preparation and resiliency makes him confident the clinic will continue to thrive.  

"Living on the Gulf Coast, you learn what you need to do when a hurricane is approaching. Our staff took all the right steps, but this was an incredibly powerful storm, and LHI took a lot of damage," said Palumbo, who, with his wife, lost their home, vehicles, and all of their belongings.

LHI followed its emergency preparation plan, Palumbo said, gathering and protecting supplies, placing shutters on their windows, trimming the trees on the clinic's outdoor facilities and other measures. Despite those preparations, however, the outdoor areas suffered an immense amount of tree damage, and combined with a lengthy power outage, LHI was forced to close for several days. 

Another obstacle emerged in the aftermath of the storm. While the clinic reopened on Oct. 10 and local patients began to return, LHI normally draws people from across the United States. Palumbo said that many of those potential patients are hesitant to travel to Naples because of the storm damage and a resulting lack of available lodging. 

"Outside of a major university or research center, we are the only treatment center of our kind, blending holistic integrative care in both an indoor and outdoor setting. People come from all over for our treatment programs, and now they're concerned that they may not be able to travel to us for care," he said. "Also, with the damage to the area, finding places to stay is becoming a tough task."

For nearly a decade, LHI has offered a unique and effective therapy for chronic Lyme disease, using a data-driven, holistic program through an integrated team of experienced physicians and other healthcare providers. LHI has grown from a staff of one doctor and one nurse to three doctors, three nurses and affiliated practitioners in occupational therapy, acupuncture, yoga, meditation, and other therapies. 

LHI has now expanded its approach for the treatment of a wide variety of chronic conditions, including autoimmune disorders, chronic pain and fatigue, high blood sugar and diabetes, brain fog, as well as symptoms resulting from overprescription.

As the community conditions continue to improve, Palumbo and the LHI team remain hopeful that their future remains bright. "We are hopeful to continue our mission. Now more than ever, people are going to need help."

To learn more about Lifestyle Healing Institute and its holistic approach to treating medical conditions, visit https://lifestylehealinginstitute.com/.

About Lifestyle Healing Institute

Lifestyle Healing Institute is a complementary and alternative treatment center specializing in chronic illness and over-prescribed medications. Using a data-driven holistic approach to healthcare, LHI's patented Baseline Therapy is delivered in one treatment program by a team of integrated doctors and healthcare professionals. To learn more, visit www.lifestylehealinginstitute.com.


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Maria Penaloza
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Original Source: Despite Storm Damage, Lifestyle Healing Institute Reopens with Positive Outlook for Future

The Century to Host a $10,000 Wedding Raffle

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The Century to Host a ,000 Wedding Raffle
Modesto event venue to host a free Open House with a raffle


The Century Fall 2022 Open House

Free event is 6-8:30 p.m. Thursday, Nov. 17, and includes live demonstrations from in-house vendors, free drinks and apps, and the highlight: a $10,000 raffle towards a Century wedding. Local vendors available to meet and discuss their services.

MODESTO, Calif. - November 2, 2022 - (Newswire.com)

The Century, a historic wedding and event venue located in downtown Modesto, is set to host its free Fall 2022 Open House on Nov. 17 at 6 p.m. and will include a variety of vendors, demonstrations and raffles. The highlight of the event is the chance to win $10,000 towards a wedding at The Century.

The raffle contract includes a 100-guest minimum, covering both the ceremony and reception. The winning couple will have until the following Wednesday to sign the contract to receive the prize.

"We wanted to provide couples with the opportunity to host their dream wedding without stressing about their budget," said The Century's CEO Erin Doran. "Through our Open House, we hope we can introduce potential clients to our team and help them realize that together, we can make any of their dream events a reality."

Alongside the grand prize, guests can enter to win free appetizers, a free ceremony or a free additional hour to their event. Each guest will receive two tickets per couple at the door on the day of, though attendees who register online before Nov. 17 will receive an additional two tickets.

Other offerings of the night will include a chance to tour the venue, watch live demonstrations by the in-house florist and chef and learn about the venue's current Winter Special promotion. Local vendors will also be available to meet and discuss their services.


Contact Information:
Danica Hammack
Marketing Manager, The Century
[email protected]
209-488-2203


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Asia-Pacific’s Travel Industry Could Be the First to Recover by 2023

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Asia-Pacific’s Travel Industry Could Be the First to Recover by 2023
The recently released 'Travel & Tourism Economic Impact' report indicates the travel industry in Asia-Pacific may be the only one worldwide to recover by 2023.


Inspiring Vacations

Inspiring Vacations

MELBOURNE, Australia - November 2, 2022 - (Newswire.com)

According to Inspiring Vacations, provider of exciting worldwide experiences including tours to Alaska, Scandinavia tours and everywhere in between, the pace of recovery for the tourism industry has been strong, as more places reduce or remove travel restrictions and the demand pent up during the pandemic is released.

Inspiring Vacations explains that certain factors pose a risk to the recovery of the travel industry around the world including rising inflation, high energy prices, labour shortages at airports and lockdowns in China.

Despite these concerns, the annual report produced by London-based World Travel & Tourism Council (WTTC) shows that Asia-Pacific is expected to recover at an incredibly strong pace. The report highlighted that tourism revenue dropped in the Asia-Pacific by 59% in 2020, which was more than anywhere else in the world.

The Alaska tours operator explains that in 2021, with most countries in the region maintaining strong border restrictions, recovery to the travel industry was muted. The WTTC report showed revenue from tourism in Asia-Pacific contributed only 16% to regional gross domestic product while in Europe that figure was 28% and 23% in North America.

This year, however, the WTTC report indicates that Asia-Pacific travel revenue is expected to contribute 71% to the overall economy. Inspiring Vacations says travel in the region is skyrocketing, with restrictions eased or removed in most countries.

The WTTC report expects Asia-Pacific's travel industry to continue to gain traction with positive growth forecast in 2023 and 2024. It estimates that by 2025, travel revenue will contribute 32% more to the region's GDP than pre-pandemic levels.

In more exciting news for the industry, the WTTC report predicts that 126 million new jobs will be added in the next decade, with 65% of the new jobs expected to be in Asia-Pacific.

A proudly Australian owned and operarted company, Inspiring Vacations offers tours to suit everyone at unbeatable, value for money prices. To discover more about exciting worldwide experiences including guided tours of Alaska and tours to Scandinavia, get in touch with Inspiring Vacations.


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Inspiring Vacations
Founder
[email protected]
1300 88 66 88


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Credello: These Are the Best States for Veterans

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Credello: These Are the Best States for Veterans
NEW YORK - November 1, 2022 - (Newswire.com)

Veterans have dedicated part of their lives toward serving America through military service. Some spend many years in the military and make it their career. When they're no longer actively serving, former military members have a series of decisions to make that should allow them to live as comfortably as possible.

For example, some might look into debt consolidation for veterans if that's what's best for their finances. Others may want to find a part of the country where they can stretch their military pension as far as it can go.

In this article, we'll talk about some of the states that provide the best benefits for veterans. Any former military personnel would be well to consider these options.

1. Alaska

Because of the cold winters, Alaska is not a state where everyone will want to put down roots. However, there are some key veteran benefits it offers that are hard to beat.

For instance, vets with a 50% disability rating or higher qualify for a property tax exemption. Up to the first $150,000 of their primary residence's assessed value is exempt from property taxes. That exemption gets transferred to a surviving spouse if the veteran dies due to a service-related condition.

Alaska veterans and their spouses can qualify for many educational benefits if they attend a state school. The state is also one of nine with no income tax. That should appeal to any vet who gets into another profession after they've concluded their service.   

2. Florida

Florida is another top choice for veterans. It's one of seventeen states that offer a full property tax exemption if you're a vet with a 100% P&T rating from the VA. If you have a VA rating of 10% or more, you can still get a $5,000 tax exemption.

Like Alaska, Florida is a state with no income tax, which vets who have taken on a second career will enjoy. The state gives all vets with a 100% Permanent and Total rating from the VA a free five-year all-purpose fishing and hunting license. Finally, you can get a free driver's license from the state if you have a 100% P&T rating, along with a free set of special plates proclaiming your veteran status.

3. Texas

Texas is another strong option for vets. If you have a VA rating between 10% and 90%, you get some generous property tax reductions. It's another state with no income tax. You can also take advantage of the Hazelwood Act. It allows vets, their spouses, and dependent children to get up to 150 hours of college classes, tuition-free, at state schools.

Perhaps what really sets Texas apart as a top choice for veterans, though, is that the state exempts VA disability payments and military retirement pay from any taxation. That can make a difference of thousands of dollars for some vets.

Which One of These States Will You Choose?

Veterans who have concluded their military service would do well to live in Florida, Texas, or Alaska. Florida has property tax exemptions for vets and no income tax. The free driver's license and special plates for your vehicle are nice perks, and the free five-year fishing and hunting license for vets with a 100% P&T rating is icing on the cake.

Texas is a great choice because of the property tax reductions and the Hazelwood Act that grants educational benefits to vets, their spouses, and their children. There's no income tax, and the state exempting military retirement pay and VA disability payments from taxation is certainly welcome.

Alaska allows a property tax exemption for some veterans, and you can also get educational benefits if you'd like to attend a state school. There's also no income tax if you feel inclined to pursue a career after your time in the service.

Any of these states will do well for veterans. You just have to choose which one best fits your lifestyle.  


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

Carolina d'Arbelles-Valle
[email protected]
+1 305 849 8443


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Credello: The Feds Say Unemployment Will Rise Soon. Who Will Lose Their Jobs First?

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Credello: The Feds Say Unemployment Will Rise Soon. Who Will Lose Their Jobs First?
NEW YORK - November 1, 2022 - (Newswire.com)

The Fed is the Federal Reserve System. It's the central banking system the U.S. implemented in 1913. It exists to provide some degree of centralized control over the American economy.

The Fed can't completely control every aspect of the economy, but certain moves that it makes can help regulate and sometimes prevent significant economic changes. Right now, the Fed is predicting that unemployment is going to rise in the near future.

You might not be thrilled to hear that. However, before you look into debt consolidation while unemployed, take some time to read about which professions are liable to start shedding jobs and which ones should remain relatively stable.

Why is Unemployment Going to Rise Soon?

Part of what the Fed does is combat inflation. Inflation means that the average cost of goods and services is rising. That has been happening at an accelerated rate in recent months due to several domestic and international factors.

The Fed can fight inflation by instituting a rate increase that impacts anyone who wants to borrow money from banks and other traditional lending entities. In theory, that means individuals will be more reluctant to borrow and spend money, and the economy will slow. In time, this forces entities that sell products and services to reduce their prices.

Unfortunately, this action also means some companies will not have as much demand for labor. When that happens, layoffs inevitably follow. That's why, when the Fed says it's going to hike interest rates for borrowers, you will also nearly always see the unemployment rate rise.

What Industries Will Shed Jobs the Fastest?

There's no reason for panic, though, since not all industries will shed jobs at the same rate. Certain recession-proof or nearly recession-proof niches will probably not shed any jobs at all.  

Right now, the unemployment rate is about 3.7%. When you look at the nation's history, that's pretty good. The Fed feels that once it sets its rate hikes in motion, the number of unemployed individuals should swell to about 4.4% at this time next year.

That's not ideal, but it's still nowhere near the unemployment rates accompanying major recessions or economic downturns. Historically, those who lose their jobs the most when these downturns occur are less-educated workers. That is because their jobs are seen as more expendable than better-paying ones.

When you think about those most likely to lose their jobs in the coming year, you can probably include food service industry workers and construction workers. Undocumented workers are less likely to find steady work since some employers are already paying them off the books. 

You might also see stores getting rid of cashiers, stockers, dishwashers, or any other positions they feel aren't as essential to the company's continued success. During economic downturns, when companies feel the need to make sacrifices to protect their bottom line, they'll often scale back the number of workers on staff and give those who remain more responsibilities.

What Will This Mean for You?

What higher unemployment numbers mean for you will depend largely on what kind of job you have. The Fed adjusting rates typically has a ripple effect on the economy. 

Even if you're not going to lose your job, you might see companies tighten the purse strings however they can. That might mean your boss won't give you the raise that you expected or an increase in your paid vacation days.

Undocumented workers, stockers, clerks, cashiers, construction workers, and similar jobs may dwindle in the coming year. If you work at any of these jobs, you may need to consider a backup plan if your company elects to cut your hours or eliminate your position. If you work in a field like education, healthcare, or transportation, you're probably safe. 


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

Carolina d'Arbelles-Valle
[email protected]
+1 305 849 8443


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Original Source: Credello: The Feds Say Unemployment Will Rise Soon. Who Will Lose Their Jobs First?

How to Improve Your Credit From Poor to Good

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How to Improve Your Credit From Poor to Good
NEW YORK - November 1, 2022 - (Newswire.com)

iQuanti: Your credit can affect many of your financial choices. A good credit score can mean low-interest rates and easier approval for loans. A poor credit score, on the other hand, can mean high-interest rates and more difficulty getting a loan.

If you currently have poor credit, knowing how to build your credit score can put you on the path toward good credit. Here's what you should know about how to improve your credit score from poor to good.

What are poor and good credit score ranges?

There are score ranges that generally indicate poor credit and good credit. Be aware that creditors will also set their own standards of what scores they'll accept. A score that's 629 or below is usually considered poor credit, and a score that's between 690 and 719 is typically considered good credit. 

How to boost your credit score

Here are some tips to help poor-credit borrowers increase their credit scores:

Pay your bills on time

Payment history makes up 35% of the data used to calculate your credit score. It's the most important factor in your credit score calculation. The reason it's used as a significant factor is that research has shown a track record of payment is usually the strongest predictor that you'll pay your debts. 

Consistently paying your credit card debt and loans on time will help to raise your credit score. It'll show lenders that you're capable of taking out a loan and paying it back. An easy way you can consistently pay your debt on time is to set up autopay. If you prefer not to use autopay, you can set up a payment reminder instead. As you build up a history of paying your bills on time, your previous late payments will have less impact on your score.

Maintain a lower credit utilization ratio

The second most important factor in the calculation of your credit score is your credit utilization ratio. If you have a high credit utilization ratio, it can cause you to have a lower credit score. If you have a low credit utilization ratio, it helps to increase your credit score. It's ideal to only use up to 30% of your available credit. 

As an example, if you choose to get a credit card with a $200 credit limit, you should owe no more than $60 on the card. You can also ask your credit card issuer for a credit limit increase to make it easier to spend less than 30% of your limit. If the issuer chooses not to give you a higher limit, they may still raise it in the future after you've made a certain number of consistent payments.

Minimize hard inquiries

When a lender or credit card issuer pulls your credit report from one of the three main credit bureaus, this is known as a hard inquiry. This can happen when you apply for a new credit card or loan. While a hard credit inquiry doesn't typically cause significant damage to your credit score, in some cases, it can lower your score by as much as 10 points. 

Avoid applying for several credit cards in a short period of time. It's smart to only apply for a credit card once every six months. Use prequalification tools to find out if you're likely to be approved for an issuer's credit card. Following these tips will help get your credit score from poor to good over time.


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: How to Improve Your Credit From Poor to Good

Operation Warm is on Track to Surpass 5 Million Children Served This Year

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Operation Warm is on Track to Surpass 5 Million Children Served This Year
GLEN MILLS, Pa. - November 1, 2022 - (Newswire.com)

National nonprofit Operation Warm is on track to serve its five millionth child this year. As the largest nonprofit of its kind, Operation Warm offers brand-new coats and shoes as a bridge to connect underserved families and their children with the resources they need to thrive. 

In 1998, entrepreneur Dick Sanford founded Operation Warm with a simple act of kindness. While driving through his hometown of Kennett Square, Pennsylvania, on a freezing winter day, Sanford came across a group of school-aged children waiting at the bus stop without coats, huddled together to stay warm. Compelled to act, he headed to the closest department store and bought 58 coats to give to the children who needed them. 

Since that cold winter day, Operation Warm has served 4.6 million children in more than 2,100 communities across North America. This year alone, there are over 640,000 children on their Wish List requesting coats and shoes. This Giving Tuesday, the nonprofit is gathering support to reach its five millionth child served by the end of this year. Operation Warm plans to celebrate this important milestone with a celebratory coat-gifting event in Kennett Square, the town where the organization got its start. 

"We are excited to celebrate this upcoming milestone with our team, partners, and many others who have supported Operation Warm over the years," says Grace Sica, executive director of Operation Warm. "Working together to make a difference in the lives of so many children has been such a rewarding journey."

"When I gave away those first 58 coats nearly 25 years ago, I couldn't have guessed that Operation Warm would come this far and touch so many lives," says Dick Sandford, founder of Operation Warm. "Since then, we have brought hope to thousands of communities across North America, inspired countless volunteers to join our mission, and are now on track to provide our five millionth child with the gift of warmth." 

To contribute to the 5MM milestone, visit www.operationwarm.org/donate.


Contact Information:
David Reyes
PR Manager
[email protected]
302 588 9569


Press Release Service by Newswire.com

Original Source: Operation Warm is on Track to Surpass 5 Million Children Served This Year