CHICAGO - November 1, 2022 - (Newswire.com)

Many think of life insurance as a product for those closing in on retirement, or with significant assets and families to protect if they pass away unexpectedly. However, young, and single people can also benefit from life insurance. It can help them build wealth and protect assets if they pass away. Plus, it tends to come with cheaper premiums and easier approvals for younger policyholders. 

LIMRA's 2022 Insurance Barometer Study showed that the need for life insurance is high among Gen Z and millennials, with 48% and 47% experiencing a present-day need, respectively. With that in mind, this article will dive into a few reasons young and single people should start looking for life insurance quotes now.

Why young and single people should get life insurance

Here are a few reasons young and single people should consider adding a life insurance policy to their financial plans:

1. They have debt

When someone passes away, their debt goes into their estate. That can leave heirs with more debts to pay off on less income. Getting a life insurance policy provides beneficiaries with funds to pay off the debt, helping them remain financially stable.

2. They can grow their wealth

Permanent life insurance policies — which cover the policyholder for life — come with a cash value growth component. Part of each premium goes into this component, which grows tax-deferred at a specific rate based on the permanent policy type.

Policyholders can withdraw or borrow against their cash value when it's large enough, making it a potential source of wealth. They can also receive the full amount if they withdraw the cash value minus surrender charges. Young people have more time to take advantage of compounding, allowing them to maximize the potential size of their cash values.

3. They can save on premiums while young

Age is one of the primary factors in calculating a policyholder's life insurance premiums. As a result, older policyholders tend to pay more than younger policyholders. However, people who get a life insurance policy at a younger age can lock in lower rates to save money on premiums. This is especially valuable for permanent life insurance policies, given their lifelong coverage.

It's also helpful for policyholders planning to start a family in the future. Premiums will go up if a policyholder increases their death benefit, but they could still be lower than waiting until they have a family.

The bottom line

Younger people may think life insurance is something to consider later in life. But in reality, many young and single individuals could benefit from life insurance. Premiums are more affordable when young, which is great if the policyholder plans to have a family. Plus, they can ensure their debts are handled if they pass away. Additionally, getting a permanent life insurance policy while young maximizes the potential to build cash value. Policyholders should ultimately evaluate their financial circumstances and goals when deciding whether life insurance is right for them and consult with a licensed insurance agent to determine which policy type to get. 

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


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Original Source: Fidelity Life: Do Young and Single People Need Life Insurance

NEW YORK - November 1, 2022 - (Newswire.com)

iQuanti: A monthly budget can be an effective way to stay on track with your finances. You can learn more about unnecessary expenses you can cut and start to save more money. Some easy steps to get started include choosing a budgeting method and calculating your monthly income.

Creating a budget can seem difficult if you've never done one before. Fortunately, there are some simple ways to get started. Here's how to make a monthly budget in six easy steps.

1. Choose a budgeting method

There are a variety of budgeting methods you can choose from, but the right one to use is whichever one you're most comfortable with. A few methods you can consider are the 50/30/20 budget, the pay-yourself-first budget, and the zero-based budget. 

The 50/30/20 budgeting method divides your expenses into three categories: 50% of your budget goes to necessary expenses, 30% goes to discretionary expenses, and 20% goes toward savings and debt payments. A pay-yourself-first budget involves putting away a specific amount of your monthly income towards your savings first. The rest is used for bills and other costs. A zero-based budget is where every dollar is allocated towards a specific expense. Your income minus your expenses equals zero each month.

2. Calculate your monthly income

Write down the monthly income that you receive from your employer. If you have other sources of income such as social security or child support, add that as well. If you're self-employed and your income varies a lot, use your lowest earning month in the past year as your baseline income.

3. List your monthly expenses

Use your credit card statements and bank statements to figure out what your expenses are. List everything you've spent money on in the last three months, including expenses such as your rent, groceries, loans, and other costs.

4. Separate your fixed and variable expenses

Once you've listed all your expenses, separate fixed and variable expenses. A fixed expense is an expense you pay the same amount for each month. Examples of this type of spending include your rent, your mortgage, and your car payments. Variable expenses change from month to month. A few examples of this type of spending include gas, eating out, and entertainment. 

5. Adjust your spending to stick to your budget

After figuring out your income and expenses, you can determine how to adjust your spending to stick to your budget. The way you adjust your spending will depend on the budgeting method you've chosen. As an example, if you're following the 50/30/20 budget, and your discretionary expenses are more than 30%, you would find ways to cut those expenses until it amounts to 30% of your budget. In this case, you might choose to eat out less or cancel unnecessary subscriptions.

6. Set financial goals

With a monthly budget set, it can be easier to start setting financial goals to achieve. Short-term financial goals you might consider achieving are paying down credit card debt or building your emergency fund. Long-term goals you can achieve are funding your child's education or saving for retirement. Keep all these steps in mind as you begin to create your monthly budget.

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 Make a Monthly Budget in 6 Easy Steps

Onelife to Invest $1.5 Million in Renovation and Expanded Membership Accessibility to 14 Local Onelife Fitness Clubs

MCLEAN, Va. - November 1, 2022 - (Newswire.com)

US Fitness Holdings, LLC announced today that it has entered into a definitive agreement to acquire the Gold's Gym located at 301 Gold Creek Trail in Woodstock, Georgia. The 69,000-square-foot sports club, accessible from Alabama Road immediately west of Highway 92, will be converted to a Onelife Fitness sports club over the coming months.

The gym's current members will be welcomed into the Onelife membership community and given full access to Onelife's 14 locations in the greater Atlanta region. As part of the conversion plan, Onelife Fitness intends to retain existing staff and will invest $1.5 million to improve the facility's amenities and increase benefits to current and future members.  When the transaction is completed, Onelife will manage 51 fitness clubs in the company's portfolio, with another five scheduled to open in 2023.

"Onelife's commitment to fitness, community, and accessibility continues with our acquisition of Gold's Gym in Woodstock," said Ori Gorfine. "Members will be granted multi-club access to all Onelife Fitness locations in the market, and we are thrilled to extend ourselves in Woodstock, which is already surrounded by several successful Onelife clubs. More than ever, we need to focus on both mental and physical well-being, and this investment confirms Onelife's commitment to providing a variety of fitness options at an affordable price, giving everyone the opportunity to stay active, build community and meet their fitness goals."

In addition to cosmetic changes, the club will undergo a $1.5 million renovation with new equipment that Onelife Fitness members have come to enjoy from our facilities, including:

• Top-of-the-line cardio and strength equipment;
• Large functional athletic turf training areas;
• State-of-the-art spin studio;
• Three boutique studios featuring Onelife Signature Classes, BodyPump, Zumba, APEX-HIIT, Spark and more;
• Mind/Body Studio featuring Barre, Yoga and Pilates classes;
• Olympic lifting platforms; 
• Kids Club with interactive activities and outdoor play area; 
• Recovery Studio with HydroMassage; and
• Luxurious spa-inspired locker rooms, sauna, and more!  

Our commitment to the highest standards includes cleanliness and Onelife will install the latest AirPHX air and surface disinfectant system in the club that is installed in all of its other Onelife locations. The AirPHX air filtration system works 24 hours around the clock disinfecting and sanitizing the air, equipment, and surfaces all around the club.

Onelife Fitness is the best value in fitness providing an award-winning design and amenity package at incredibly affordable rates. This is the 14^th Onelife Fitness location in the Atlanta region, continuing our ongoing commitment to investing in the community's health and fitness needs. 

To learn more about the club, visit http://www.onelifefitness.com/gyms/woodstock or call 678-445-9140. 

To learn more about career opportunities at US Fitness, please visit www.usfitnesscareers.com/.

Contact Information:
Nancy Terry
VP, Marketing and Communications
[email protected]
703.926.7448


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Original Source: Onelife Fitness Acquires Gold's Gym in Woodstock, Georgia, Expanding to 14 Locations in the Atlanta Region

Savvy Cleaner Levels up on Customer-Centric Culture With the Addition of Trina Hargett as Brand Strategist

CHARLOTTE, N.C. - November 1, 2022 - (Newswire.com)

Savvy Cleaner, the company that produces the Ask A House Cleaner show and podcast is radiating over Brand Strategist Trina Hargett. "Managing the customer experience is the key to brand loyalty and long-term success," says Savvy Cleaner CEO, Angela Brown. "Hargett's track record with optimizing each step of the customer journey through speed, consistency, technology, and the use of emotional impact is a real boost for our company."

Create a Customer Win

Maximizing each point along the customer's path creates a win for everyone. A survey by Pricewaterhouse Coopers found that "73% of all people point to customer experience as an important factor in their purchasing decisions. Give customers a great experience and they'll buy more, be more loyal and share their experience with friends". 

Trina Hargett, a business owner herself for 26 years in the floral industry learned how to navigate the rapidly changing marketplace where social media and technology constantly shape customers' expectations. "I am delighted to be part of a work culture that emphasizes customer experience," says Trina Hargett, and also encourages diversity, positive relationships, and collaborative ideas."

About Trina Hargett

Trina Hargett, a proponent of micro and small businesses, also enjoys reading and listening to podcasts. As a lifelong horse-obsessed equestrian, she is a patron of several organizations that advocate for threatened wild horse populations in the U.S. She flexes her creative side by gardening, re-purposing vintage jewelry, and attempting home improvement projects.

About Savvy Cleaner 

Savvy Cleaner (https://savvycleaner.com) is a training and certification program for house cleaners and maids. Savvy Cleaner started the Ask a House Cleaner show on YouTube in 2017 to raise the standards of house cleaning through proper training, tools, and techniques.

Contact Information:
Brooke Bryant
Publicist
[email protected]
980-254-0900


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Original Source: Savvy Cleaner Skyrockets Customer Experience by Landing New Brand Strategist Trina Hargett

Colorado Company Handcrafts +300 Exceptional Everyday Products With 100% THC-Free Hemp-Based CBD for People & Pets

FOUNTAIN, Colo., November 1, 2022 (Newswire.com) - On a mission to help people Have a GREAT THC-Free Day^TM through better health and wellness without impairment, CBD Body Blends has created a cooling (not numbing) blend it calls Cool Freeze to five of its most popular products.

The Colorado-based company's new CBD Body Blends Cool Freeze line of products includes Bubble Bath, Creamy Silk Lotion, Essential Oil Roll-On, Lotion Balm and Massage Oil, as well as the CBD Cool Freeze Try It Sampler / Traveler Kit, which features handy travel-sized samples for people who want to try before they buy.

CBD Body Blends uses premium Colorado-grown hemp CBD, which has 0.00% THC, in all its custom-crafted products, as well as the highest-quality initial ingredients infused with select essential oils, natural flavoring and other beneficial ingredients for purposeful wellness and relief support blends. The extensive ZERO THC product line includes yummy-flavored oral drops for both people and pets, no-mess massage oils, creamy lotions, flavored lip balms, essential oil roll-ons, bath fizzies, bubble baths, face moisturizers, spa face masks and more in a variety of flavors, blends, sizes and milligrams.  

"We custom-craft onsite a variety of fantastic 100% THC-free everyday CBD products for pain relief support for pets and people, as well as specific blends for stress, migraine and feminine relief, better immunity and sleep and to breathe easier, dream sweet and unwind. Cool Freeze is our latest blend - we've enhanced five of our most popular products with a menthol-based cooling ingredient that smells amazing and our customers are loving them," said Michelle Duncan, chief people and pet advocate. "These are purposeful natural wellness and relief support products. Everything is affordably priced and, without hesitation, we'll put our premium CBD products - that work - up against any large or small CBD company out there. Over the last four years, we have listened to our customers, who are specifically shopping for CBD without THC, and added more products, blends, flavors, sizes and milligram options. All of our products have been designed for our customers, with purpose."

CBD for People: vimeo.com/722729241

CBD for Pets: vimeo.com/703473037

* Online savings code FREEZE10 (regularly priced items).

ABOUT CBD BODY BLENDS

CBD Body Blends, a family-owned company creating people and pet products for purpose, is on a mission to help people understand CBD and guide them to products that will work best for them so they and their pets Have a GREAT THC-Free Day^TM through better health and wellness without impairment. We handcraft onsite more than 300 Fantastic Everyday Products You Would Use Even Without the Awesomeness of 100% THC-Free Hemp CBD^TM. A+ BBB rating. Rocky Mountain Naturals WITHOUT the High^TM. 

CONTACT: hello [at] CBDBodyBlends [dot] com or wholesaleteam [at] CBDBodyBlends [dot] com

FOLLOW: facebook.com/CBDBodyBlends.com

Contact Information:
Michelle Duncan
Chief People & Pet Advocate
719.542.4CBD (4223)


Original Source: CBD Body Blends Adds Cool Freeze Blend to Five of Its Most Popular 0.00% THC Products

Reference website Listophile analyzed the latest data from the Social Security Administration (SSA) to discover the most popular travel-inspired baby names parents are giving their children.

DENVER - November 1, 2022 - (Newswire.com)

Reference website Listophile has conducted a study into the latest baby naming trends inspired by travel destinations. More than 3 million instances of baby names were analyzed to reveal the most popular locales from across the globe that have inspired our babies' names.

In today's never-ending quest for new and creative baby names, the study suggests significant numbers of parents are turning to geographical locations for inspiration.

The study's findings include a mix of names of far-flung destinations, such as Cairo, Milan, and Sydney, as well as favorites closer to home, including Phoenix, Catalina, and Dallas.

The study also identified the most trending travel-inspired baby names, i.e. names rising fastest in popularity year over year. For girls, these were Marlow, Montana, Memphis, Denver, and Holland; while Zealand, Rhodes, Cypress, Rome, and Rio rose most in popularity for boys.

The study also notes that travel destination baby names have become popular with celebrities. Celebrity parents who have named their children after places significant to them include Gwen Stefani and Gavin Rossdale, David and Victoria Beckham, Drea de Matteo and Shooter Jennings, and once-celebrity power couple Kim Kardashian and Kanye West.

The study starts by listing the top 10 travel-inspired baby names, before digging into the top 40 baby names to reveal more unique geographical names parents are giving their children.

Top 10 Travel-Inspired Girl Names 

1. Brooklyn - New York

2. Savannah - Georgia

3. Georgia - Georgia State

4. Catalina - California

5. Aspen - Colorado

6. London - England

7. Sydney - Australia

8. Adelaide - Australia

9. Dakota - N. & S. Dakota

10. Phoenix - Arizona

Top 10 Travel-Inspired Boy Names 

1. Kingston - Jamaica

2. Zion - Jerusalem

3. Camden - England

4. Dawson - Canada

5. Israel - Middle East

6. Phoenix - Arizona

7. Dallas - Texas

8. Cairo - Egypt

9. Dakota - N. & S. Dakota

10. Milan - Italy

More Information:

To read the complete study, and see the top 40 travel-inspired baby names, click here.

Contact Information:
Will Carmichael
[email protected]


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Original Source: Listophile Announces Findings of Travel-Inspired Baby Name Study