Modesto event venue to host a free Open House with a raffle

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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Original Source: The Century to Host a $10,000 Wedding Raffle

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.

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.

Contact Information:
Inspiring Vacations
Founder
[email protected]
1300 88 66 88


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Original Source: Asia-Pacific's Travel Industry Could Be the First to Recover by 2023

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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Original Source: Credello: These Are the Best States for Veterans

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?

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

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


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

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