Legacy Suite

With a reported $140 billion in cryptocurrency stranded in inaccessible storage, the need for better digital asset management is more apparent than ever. Legacy Suite, the industry leader in digital asset preservation, has announced the rollout of Legal and Digital Suite, solutions designed to protect assets like cryptocurrencies, NFTs, and legal directives, and to ensure they are shared properly and securely in the event of a death or emergency.

"Most internet users' lives have become even more digitally focused in just the past few years," said Gordon Bell, founder, and president of Legacy Suite. "With the advent of cryptocurrencies and NFTs, people are using crypto wallets and blockchain technology to store and manage their digital assets. They are also creating more legal directives to ensure all types of assets are protected. We created Digital Suite and Legal Suite to give them peace of mind."

Citing research by blockchain analysis firm Chainalysis, The New York Times reported that about 20% of all 18.5 million Bitcoin, valued at $140 billion, were lost or stranded in crypto wallets. Thousands of people have lost access to their cryptocurrencies, NFTs, and other assets because of digital management problems, an issue that has plagued crypto investing from the outset.

Legacy Suite's Legal and Digital Suite enables clients to properly plan for the transferring of such assets or the sharing of private keys to protect them through blockchain technology. Through its patent-pending platform, Legacy Suite modernizes the traditional estate planning process with its critical ledger of crypto, NFTs, and all other forms of digital assets in a single secure, personalized, and centralized location.

The Legacy Suite platform makes it simple for users to safeguard important details regarding real estate and financial assets, social media accounts, email accounts, phone and computer passcodes, domain names, utilities, subscriptions, and seller accounts. Legacy Suite is designed for use with a partner or spouse, to protect the family's assets.

Legacy Suite's Digital Suite product lets clients manage, create, and share data, digital vaults, and passwords. Users can leverage the suite to store files and individually assign them to digital executors and trusted contacts.

The Legal Suite product can construct digital directives for cryptocurrencies, NFTs, social purposes, healthcare purposes, as well as power of attorney documents. A vault is also included through the Legal Suite line that can be used to safely organize and manage that documentation. 

Maintaining those assets in one centralized location makes password sharing and the strategic distribution of critical information simple and efficient. Legacy Suite allows heirs to have full knowledge of an entire digital portfolio, such as what was owned by the original user, where certain assets are located, and how they can access them if the original user dies or becomes incapacitated.  

Legacy Suite products leverage blockchain technology to protect those assets. It employs security encryptions cast using 256-bit AES encryption out of 128-bit and 192-bit to create a virtually impenetrable level of security. That secure storage, combined with the ability to reliably control shared access, ensures that assets are never lost or stranded. 

The products leverage password manager LegacyPass™️, which has unique capabilities and uses innovative blockchain technology to encrypt and decrypt information using the Hybrid encryption scheme to share passwords and credentials securely with loved ones.

In addition, the Legacy Suite team continues to think and create and plans to add additional features in future generations of the platform, while providing an invaluable service at value pricing. 

To learn more about Legacy Suite's rollout of the new Legal and Digital Suite, please visit https://www.legacysuite.com.

About Legacy Suite

We're thinkers, no. Artists, yes. We are determined to reframe digital utility, to shape and sculpt your legacy. Day in and day out, our artists like to challenge their mantra and are a group of code casters that don't know when to quit. Visit https://www.legacysuite.com.

HomeAid launches a month-long national campaign to raise awareness about homelessness. HomeAid believes housing is a human right. This awareness campaign encourages people to Learn, Act, and Share about the issues surrounding homelessness and will focus on those individuals and populations who are experiencing or at risk of homelessness.

According to the National Alliance to End Homelessness, every day in the United States, nearly 600,000 people live on our streets or in shelters, and thousands more families across the country live double and triple up with other families because they can't afford a home. The causes of homelessness are many, including job loss, lack of affordable housing, medical crisis, domestic abuse, and mental health disorders.  

The solution to homelessness is straightforward: housing. By connecting people experiencing homelessness to housing and services, they have a safe and stable location from which they can address areas that may have contributed to their homelessness, such as unemployment, health problems, and addiction.

"As the Thanksgiving holiday approaches, most people take time to consider what they're thankful for and donate some of their time, attention, and resources to others. In the spirit of thankfulness and giving, each year HomeAid initiates this 30-day campaign," said Scott Larson, Chief Executive Officer of HomeAid.  "By becoming a part of this daily campaign, you are not only raising awareness but you are strengthening the national movement to building a future without homelessness in every community across this country."

HomeAid and its 19 affiliates will be participating in this awareness campaign throughout November.  Various events and activities are planned across the country in honor of Homelessness Awareness Month. They include:

• 10/3 - Thanksgiving Meal Drive 10/3 through 11/4 - HA Orange County
• 10/3 - Share the Warmth Drive 10/3 through 10/28 - HA Colorado
• 10/19 - Foundation Builders Breakfast - HA Portland
• 11/4 - HALO Luncheon - HA Houston
• 11/5 - Ending Homelessness Gala - HA Orlando
• 11/7 - Share the Warmth Drive 11/7 through 11/30 - HA Puget Sound
• 11/10 - Top Golf Event - HA Los Angeles
• 11/12 - HA National Capital Region Gala & Auction - HA National Capital Region
• 11/13 - 5K Walk and 20th Anniversary Celebration - HA San Diego
• 11/15 - Toy Drive - HA Northern California
• 11/18 - Fundraising Luncheon - HA Austin

To learn more about HomeAid's mission, Homelessness Awareness Month, or how to get involved, please visit www.homeaid.org.

About HomeAid

Founded in 1989, HomeAid develops, builds, and preserves a variety of housing, including emergency, interim, transitional, permanent supportive, and affordable housing through its 19 affiliates in 13 states. HomeAid partners with hundreds of nonprofit organizations nationwide that provide housing and support services.

HomeAid has completed 1,043 housing and outreach projects with a value of more than $315 million. HomeAid has added over 12,600 beds that have served over 520,000 previously homeless individuals. For more information, visit www.homeaid.org. 

Now that President Biden's student loan forgiveness option is available, many people are wondering if it's worth pursuing it, as working with bureaucracies like the federal government can seem like a headache.

Unfortunately, there are many scams out there trying to take advantage of people who are thinking about this option. Here's what you need to know and how to prevent yourself from getting scammed.

Why would scammers target student loans?

Unlike other student loan alternatives, education loans are one of the toughest debts to get rid of. They rarely qualify for outright forgiveness and cannot be written off with bankruptcy.

Consequently, many scammers see this as an opportunity to take advantage of desperate people. Now with student loan forgiveness available for a limited time, people looking to rip off well-intentioned but naive debt holders are at a critical level.

Common student loan scams

There are a few scams that you may run into when looking into student loan forgiveness. 

The most common is the "loan forgiveness scam." This is when someone tells you that you can get your entire student loan forgiven quickly, usually within a couple of months. However, this is almost never true. To get your loan forgiven, traditionally, you must go through a process that can take many years and require a lot of paperwork. 

President Biden's student loan forgiveness program removes these barriers for a limited time. Once his forgiveness program is over, getting your student loan debt absolved will go back to the complicated process it once was.

Another common scam is the "secret student loan forgiveness program." This is where someone will contact you and tell you that they work for a secret program that can immediately forgive your entire student loans.

How can I avoid being scammed?

Here are some tips to help you identify and avoid student loan forgiveness scams:

1. Refer to government websites for the most up-to-date information - Many scammers will offer information that is not officially sanctioned by the government and will direct you to sales pages set up just to take your money. Legitimate organizations like the Department of Education (DOE) will always have the most up-to-date information.

3. Avoid extraordinarily long and complicated contracts - Many scammers will try to get you to sign an agreement that is overly long and difficult to understand. Contracts like this often contain hidden terms that can lead to unexpected financial obligations later.

4. Be suspicious of anyone who offers a free trial, or money-back guarantee - These are common signs that a scammer is trying to take advantage of you.

5. Don't pay for advice - Many schemes involve paying a consultant or "debt advisor" in order to get started on the forgiveness process. Legitimate credit counseling services are often not-for-profit and can provide impartial advice that's low-cost or even free. Don't let anyone pressure you into making any payments before you know anything about the options available to you.

6. Be wary of offers that seem too good to be true - Many schemes promise student loan forgiveness in just a few short months or even weeks, but don't fall for promises that are too good to be true.

The bottom line

Although student loan forgiveness scams are rare, they are becoming more popular thanks to the federal student loan forgiveness program happening now. Being aware of the warning signs and taking preventative measures can help you avoid being scammed and get the relief you deserve.

Many individuals and families trying to take out car loans have noticed that the monthly payments for those loans are rising in 2022's latter half. This seems true for gas-powered cars, hybrid vehicles, and electric ones as well.

Anyone looking to get a loan to buy a car probably has questions in light of these monthly payment increases. For instance, you might wonder whether you're better off waiting a while for the rates to become more favorable. Can you pay off a car loan early? This is what other consumers want to know. 

The following article will discuss the best strategies to cope with rising car loan payments.

How Do Car Loans Work?

If you want a loan to pay for a new, used, or certified pre-owned vehicle, you usually get one by approaching a bank or credit union and applying for the loan by filling out the necessary paperwork. Some lending entities allow you to do so online rather than in person.

You'll show proof of income and whatever else the lending entity requires. If you accept the loan terms, they'll give you a lump sum of money to buy the vehicle. You'll then pay back that amount over an agreed-upon period, along with interest. That interest is how the lending entity makes money on the deal.

You can also avoid borrowing money from a lending entity if you have enough for a down payment on the vehicle without one. Some car sellers will even let you drive off the lot with no money down. If you don't pay anything down at the time of purchase, though, you can expect to pay more every month until you've fully paid off the vehicle. 

Monthly Loan Payment Amounts Are Rising

As we progress into the 21st century, hybrid and electric cars are becoming more desirable than gas-powered ones. That makes sense since they're better for the planet, and you don't have to spend as much on gas when you drive one. 

However, hybrid and electric vehicle owners are now paying more each month for the car loans they took out. Many of them are paying $1,000 or more per month. Meanwhile, the average price of a brand-new car in 2022's third quarter was $45,971, according to J.D. Power and LMC Automotive.

What Are Some Possible Solutions?

You might ponder how to combat higher car loan payments this year. If you haven't bought a new vehicle yet, you can consider waiting a few weeks till dealerships have their end-of-the-year holiday sales. At that time, the price for this year's models should drop somewhat.

You can avoid buying a car for now in the hopes that these high loan payment rates will drop. That might be a viable option if you can take public transportation or rideshares to get to your job or anywhere else you need to go. 

Maybe you already bought a car, and you're dealing with high monthly loan payments. If so, you can consider paying back the loan quicker by scraping the money together or borrowing the bulk from a friend or relative. If you pay back the remainder of the loan early, though, you might have to come up with an early payment penalty as well. Check the loan's fine print to see if that's applicable. 

Choose the Best Available Option

Each consumer must decide what to do in the face of rising car loan payments. You can wait for end-of-the-year sales to see if you can get a better deal on the vehicle you want. You might hold off on buying a car if you can use public transportation or rideshares instead.

Paying off the remainder of your car's loan is only an option if you can come up with that money. Before you do, check to see whether your loan comes with an early payment penalty. 

Be aware of rising car loan payments, and figure out the strategy to combat them that makes the most sense for you. 

The core component of a term life insurance policy is the death benefit. The policyholder's beneficiaries receive this money, which can help replace the policyholder's income and pay off debts if the policyholder passes away during the policy term.

Prospective policyholders often encounter life insurance riders, or optional add-on coverage, while searching for a policy. However, some riders may cost extra, so policyholders may wonder if they're helpful. This article will explain a few benefits of adding riders to a term life insurance policy, then explore a few popular riders.

Benefits of life insurance riders

Life insurance riders can offer term life insurance policyholders numerous benefits. Here are a few advantages:

1. They let policyholders customize coverage.

The main benefit of life insurance riders is that they allow the policyholder to customize their coverage to their needs. For instance, a policyholder might have their policy for many years and want to protect their death benefit from inflation. So, they might invest in an inflation rider that grows their death benefit each year to keep up with inflation.

2. They can be free or typically lower-cost.

Some life insurance riders are free — either included in the policy automatically or upon request. Those that aren't free are often affordable, making altering coverage fairly inexpensive.

3. There are many types.

Life insurers may offer different life insurance riders to fit multiple needs. Prospective policyholders can shop around to find insurers offering the riders they need most and compare costs, saving money while getting the coverage they need.

Types of life insurance riders to consider

As mentioned, many life insurers offer numerous riders. Exact terms and costs may vary, but here are a few common riders policyholders can choose from:

1. Inflation rider

Inflation riders increase the death benefit by a fixed percentage, usually 3% to 5%, every year to keep up with inflation. This protects the death benefit against inflation and offers beneficiaries a higher death benefit. These riders cost money, but the price can be well worth it. For example, a 5% inflation rider on a $500,000 death benefit will increase the death benefit to $502,500 after one year — a $2,500 increase.

2. Return of premium rider

Return of premium riders may be added to term life policies and will refund all paid premiums to a policyholder if they outlive the policy term. Getting this rider can make a term life policy more expensive. However, policyholders can benefit from these if they're confident they'll outlive their policy term.

3. Child life insurance policy rider

A child life insurance policy rider pays the policyholder a small death benefit if their child passes away while the policy is in force. This helps policyholders pay for funeral costs and similar expenses and provides financial peace of mind while the parents grieve.   

Customize life insurance coverage with riders

Life insurance riders can benefit policyholders by allowing them to customize coverage at a low cost. For example, policyholders who want to outpace inflation can consider an inflation rider. The return of premium rider can work well for term life insurance policyholders confident they'll outlive their policy. Finally, a child insurance rider can be a good idea for policyholders who want to prepare for the worst.

Regardless, policyholders should shop around to see what kind of coverage and riders each insurer offers while comparing quotes. This will help them tailor coverage to their needs while staying within budget.

Physician-engineered GerdLi is the natural answer for people who live with acid reflux and heartburn. It's a premium-formulated antacid that maintains gut health and allows one to get back to eating the foods one loves. For those who hate to swallow pills, GerdLi comes as a small, easy-to-swallow capsule.

People that suffer from gastroesophageal reflux disease (GERD) are left to take prescription medications and must reduce or eliminate eating spicy foods, acrid vegetables, fatty, fried foods, fruit juices, wine, coffee and soda. Even large meals or eating before bedtime can cause uncomfortable acid reflux symptoms and, at times, damage to the esophagus.

GerdLi contains D-limonene, derived from the rinds of citrus fruits such as oranges, mandarins, lemons, limes and grapefruits and works in several ways to help with GERD.

• D-limonene decreases stomach acid
• It relieves symptoms of GERD, including indigestion, sour taste, regurgitation and bloating
• GerdLi is made with non-GMO ingredients, is vegan, gluten-free and has no artificial flavors or fillers

"So many products on the market aiming to combat GERD and acid reflux, but GerdLi is by far the best remedy I've used. GerdLi offers great relief and the fact that it's created by doctors makes it stand out even more." MK, Happy Customer

GerdLi was developed over three years, and after three months of trials and testing, half the participants found improvement in their GERD symptoms. GerdLi may work as soon as one week and averages 2-4 weeks for relief of acid reflux symptoms. One study showed 72% of the participants experienced improvement within the 2-4 week period. 

Although GerdLi is proven to alleviate heartburn and symptoms of GERD, lifestyle changes are just as crucial to a successful acid reflux regimen. GerdLi is meant to complement healthy lifestyle habits allowing patients to choose a natural way to relieve acid reflux and heartburn. Improved health includes staying active, eating clean foods and staying hydrated by drinking lots of water throughout the day. 

GerdLi is manufactured in a special FDA-registered facility, ensuring it's a safe supplement made with the highest quality ingredients. High-potency D-limonene is carefully sourced to be sure each bottle of GerdLi delivers the most effective results for reducing acid reflux. It works as an alkaline in the stomach to reduce acid, and its name is derived from lemon rinds, which have the highest concentration of limonene.

Once D-limonene is taken, it's rapidly absorbed in the gastrointestinal tract and distributed into tissue. GerdLi reduces heartburn and reflux symptoms and may help some people reduce the amount of prescription medication they take. 

The mission at GerdLi is to help people suffering from acid reflux while offering them an alternative to prescription medications that often cause side effects. GerdLi also cares about creating a healthier world, donating part of its proceeds to support the Esophageal Cancer Society. 

iQuanti: Deciding where to borrow money from in a time of need can be a hassle when it matters most. But luckily, there are many options to consider, including a line of credit and a loan. Knowing the options you have can help you decide which is right for you when the time comes. For a better understanding of a life of credit vs. loan, here is everything you need to know. 

What is a line of credit?

A line of credit can come in many forms, including a credit card or equity line from an investment like your home. With a line of credit, you can borrow as much as you need so long as it falls under the credit limit. When it comes time to pay the amount back, there are generally more flexible guidelines you can follow, such as no hard deadline to repay the borrowed amount and varying interest rates. Types of credit lines include:

• Revolving credit
• Installment credit
• Secured or unsecured credit

What is a loan?

A loan, on the other hand, is a more rigid lending option. When you apply for and take out a loan, you agree to the terms upfront, including the loan amount, the date you need to pay the loan back, the minimum monthly payment, and any other important details. You are then obligated to repay the loan according to the terms and may not have much flexibility outside of that initial agreement. It's also important to mention that there are numerous types of loans, including: 

• Cash advances
• Personal loans
• Mortgages
• Business loans 

Line of credit vs. loan

So when should you choose a line of credit or a loan? It depends on your needs. Remember, not all lines of credit or loans are created equal. Here are some instances when each option may make sense:

When to choose a line of credit

When you're not sure how much money you'll need or want flexible access to funds, a line of credit is the way to go. While there are more variations, the flexibility of the credit can help you to fund the things you need. Not to mention, if the cost is not set in stone, you can access more of that credit as needed. 

When to choose a loan

Loans can work well for planned one-time large purchases. Because they're predictable, like the purchase, these are easier to manage as you repay with set terms to follow. Examples of when a personal loan may be perfect include: furniture or appliance purchases, home repairs, moving expenses, and paying down other debts. 

The bottom line

Both loans and credit lines are great tools for helping to afford expenses, both unexpected and planned. While you may have access to both, the choice should come down to the flexibility you need, the repayment terms you want, and also, which options are readily available to you when you need them most.