For many businesses, a new season means either slowing down of trade, or the busiest time of year. With the right solution, Liberty says both can remain in control of their finances.

MELBOURNE, Australia - October 28, 2022 - (Newswire.com)

Businesses that operate based on seasonality often experience more significant fluctuations than other businesses. Those located in towns most popular during summer might now be gearing up for their busiest period. In contrast, those who thrive in winter may be experiencing a drop-off as warmer weather arrives.

No matter which camp they sit in, it's important for every business owner to be ready for the seasonal peaks and troughs that arise. Non-bank lender Liberty, which has decades of experience working with business owners, says cash flow management is one of the biggest issues faced by seasonal businesses. 

According to Head of Communications Heidi Armstrong, it's important to prepare for times when extra capital is needed. And it's not unusual for business owners to seek these added funds through business loans. "As a seasonal business, managing finances is just as important in the busy season as when you're in a bridge season," she said. "Business owners often take a reactive approach to cash flow management and don't look for help until things start to get tight."

Regardless of the season, flexible lenders such as Liberty can help business owners find the right finance solutions to support their operations and growth plans. Liberty offers a suite of free-thinking business loans catered to the unique needs of business owners — and help more of them secure the funds they need.

"Liberty understands that business customers often require fast access to funds. That's why we offer a range of business loans with fast turnaround times designed to support business customers to secure funds when required."

Even those with a less-than-perfect business credit score are encouraged to reach out for help to find a loan option that matches their needs. "Liberty understands the unique needs of business owners — and can offer flexibility many other lenders can't," Armstrong said.

Approved applicants only. Lending criteria apply. Fees and charges are payable. Liberty Financial Pty Ltd ACN 077 248 983 and Secure Funding Pty Ltd ABN 25 081 982 872 Australian Credit Licence 388133, together trading as Liberty Financial.

Contact Information:
Heidi Armstrong
Head of Communications, Liberty Financial
[email protected]
+61 3 8635 8888


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Original Source: Flexible Finance Helps Seasonal Businesses Maximise Operations

LOS ANGELES - October 27, 2022 - (Newswire.com)

iQuanti: Halloween is right around the corner, which means it's time to start planning for your big fall bash. Just because you're going big doesn't mean you need to go broke. There are plenty of options to keep your get-together low budget - all it requires is a touch of creativity and some savvy shopping. If you're looking for ideas for décor and Halloween party food on a budget, you're in the right place. 

BYO theme

Potlucks are not reserved for summertime picnics or Christmas dinners. They're a year-round option that makes throwing a party more affordable for everyone, but most importantly, the host. 

If you're planning the big night, set a theme and ask everyone to bring a dish or drink centered around that theme where possible. It can be as simple as Halloween-themed treats to specific colors and leaning into the gory side. As the host, you'll get to decorate and worry about having a good time rather than having to provide for everyone too. 

DIY it

It's surprising how little a party can cost if you're willing to put in a little extra work upfront. This is especially the case with Halloween, as it doesn't need to be the fanciest thing to set the tone. Simple changes, such as dipping white candles in red wax to add a bloody effect, can make all the difference during the holiday. 

Head to a discount store near you for some inexpensive supplies and then piece everything together from there. Get the whole family in on it or a few friends in order to relieve some of that burden while preparing.

Keep it simple

Halloween décor ranges from spooky to sweet, but the best part is that you can adjust based on what you have available. Take, for example, the compost bags that pop up at stores during the fall season with a jack-o-lantern face painted on them. When you're raking the falling leaves, funnel those piles into the bags and let them sit around the lawn for a fun touch of décor. Turning something that you have to do or using things that you need to in order to add décor is the perfect budget-friendly solution. 

Subdued costumes

When it comes to Halloween, it's appropriate to dress up as anything and everything. This is especially true for those who are on a budget or in a pinch and need something quick and easy to dress up in. 

Creativity, as with any of these low-budget methods, is the most important thing across the board. Simple things like painting an "M" on a colored shirt along with a friend or two can do the trick. Still too much effort? Throw on your favorite dress and grab a crown or put on some elaborate makeup to create a dramatic but relatively easy prom or red carpet look. 

Cocktail party

Skip the elaborate sit-down dinner or full-service party and opt for something cheaper when Halloween rolls around. Creating a punch or a Halloween-themed cocktail can be much more affordable (and fun) than planning, purchasing, and cooking for a group of people. If you feel inclined, throw out some potato chips or pretzels for those that need something salty, but focus on an affordable beverage as the highlight. 

Hand out treats

Looking to greet some trick-or-treaters on the big night? The treats you decide to hand out can be adjusted to be more affordable. When purchasing candy or toys, there are only so many ways to cut costs. For example, you might buy in bulk online from a seller with a good deal, but for true affordability, you'll want to avoid a few things. Setting out a bowl of treats is easy, but it's also a go-ahead for many to take advantage and steal more than their fair share. Similarly, when handing out, avoid delving out handfuls to each person so that your purchase extends further. 

The bottom line

Halloween is meant to be enjoyed, and doesn't need to break the bank to do so. There are plenty of options out there to make it more manageable for those looking to stick to a budget. Whether it be affordable food, drink, costumes, or décor, a little effort and creativity will save you big in the long run. 

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: 6 Low-Budget Ideas for Halloween 2022

NEW YORK - October 27, 2022 - (Newswire.com)

iQuanti: Regardless of profession or income level, your credit score plays an important role in your financial life and can impact many financial planning goals—from credit card applications to home ownership. 

A few factors affect your credit score, and as a nurse, any student loan debt can make a big impact. However, with the right tactics to understand your credit score, manage student loans, and stay on top of other debts, you can ensure the impact is a positive one. Some specific financial products designed with nurses in mind can help. 

What is a Credit Score?

A credit score is a numerical figure that summarizes your credit history. Checking credit scores is a standard method used by lenders to predict how likely you are to repay your loan.

Credit scores range from 300, which is "poor credit," to 850, which is "excellent credit." Higher scores demonstrate consistently good credit habits like paying on time, low credit usage or credit utilization, and lengthy credit history. Lower scores can indicate to lenders that a borrower may be a risky investment because of late payments or the use of too much credit at one time. The line between good and bad scores is a bit murky, and it is normal for a score to fluctuate at times, but it is helpful to keep those numbers in mind as a guideline.

There are a few strategies that can improve your credit score, no matter your credit history. Here are five ways you could increase your score.

1. Know Your Credit Score

To truly determine how you can improve your credit, it is crucial that you understand your credit score. Many free online resources give you the ability to check your credit score when you need to and can show you what factors are affecting your score, such as credit cards, mortgages, auto loans, student loans, and hard credit inquiries. You can also use these tools to observe how your credit has changed over time.

2. Always Pay on Time

Payment history is the most important factor in how credit bureaus compute your credit score, so it's important to always make your payments on time. Late payments hurt your credit score, and consistently paying on time is one of the best ways to help your credit score improve. 

You can also make a payment ahead of schedule, which reduces your balance and therefore lowers your credit utilization rate (see below), which could have a positive effect on your score.

3. Pay Down Your Debts 

Another contributing factor to your credit score is the ratio of money owed and available credit, also known as credit utilization. The higher your debt is vs. your available credit, the more likely it will negatively impact your credit score. Paying as much debt as you can each month or paying your entire credit card balance, when possible, could help keep this ratio low. 

4. Credit History: Keep Your Accounts Open

Another factor is the length of time that your accounts have been open. Keeping accounts open and active, even if you don't use them very much, could positively impact your credit by showing lenders that you have a consistent history of on-time payments.

5. Financial Planning for Nurses

Proper financial planning can be one of the most important tools for nurses and other professionals looking to improve their credit. Nurses often have to balance busy shift schedules and hectic jobs, and managing student loan payments alongside personal financial goals can be daunting. A good financial planner can help you understand your current economic landscape and advise on any necessary changes; improving your credit score is a great place to start.

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: 5 Ways Nurses Can Increase Their Credit Score

Desygner - a fast-growing martech solution - is hosting a fully sponsored global hackathon in Bali to kickstart a series of company-sponsored "workations" in some of the most sought-after destinations across the world for digital nomads. First in the series, the hackathon is set to go live from 31 Oct. 2022 until 11 Nov. 2022 at Munno Villas resort in Canggu, Bali, and is open to the public, including digital nomads and outstanding students. Participants will receive free accommodation, food, and activities during the hackathon.

GOLD COAST, Australia - October 27, 2022 - (Newswire.com)

Imagine a world where a company books an amazing destination for their employees and pays to experience life as a digital nomad in Bali. At Desygner - a fast-growing martech solution - this is a way of work-life - distinct from the usual company offsite. With its digital workforce of over 100+ employees spread across the world, Desygner seeks to set a new status quo for innovation and talent acquisition by organising a series of company-sponsored "workations" in the most sought destinations around the world for digital nomads. 

The Australian company today announced a 12-day global hackathon set to go live on the 31st of October 2022 until the 11th of November 2022 at Canggu in Bali, which is open for digital nomads and outstanding students in addition to the global Desygner Team, who are already heading towards their dream destination. 

The hackathon is all-inclusive of accommodation, meals and entertainment provided to all participants. The event is an opportunity for talented Developers, DevOps, QA professionals, marketers, designers and sales professionals to work with the Desygner team and get hired for open positions in Bali, London, and the company HQ in Gold Coast, Australia (sponsoring remote applicants).  

The main objective of the initiative is to benchmark Desygner as a brand that attracts the best talent around the world and to bring innovation to remote working, steering away from the traditional notion of work being physically tied to offices or company headquarters. The company, which is growing at a fast pace, believes that the right mix of work and play can spark innovation for creating "the awesome factor", which is a thriving culture at Desygner.  

Post-pandemic, as most organisations are experimenting with hybrid and remote working models, Desygner stands to lead by example in creating better work-life experiences to attract and retain talented staff to tackle global talent crisis as they grow. 

Spearheading the workation, CEO of Desygner, Alex Rich, who envisions exceptional work culture for his staff by creating unique working environments a couple of times a year in beautiful locations worldwide said, "Instead of just investing in traditional startup slacks and ping-pong tables in the office, we are going one step further and investing in places people want to work from, in dream locations".

"When you have a software company like Desygner with over 3 million lines of code and 30+ million users, you tend to focus on the bigger strategic projects, and smaller projects get missed. Therefore, the hackathon strategy pushes us to be more innovative than the larger companies to excel," he says. 

Speaking about the idea of a hackathon in Bali, Daniel de Byl, who is a QA Automation Developer at Desygner, said, "I love working at the office, but the workation in Bali is next level. I am super excited to be part of an event like this and work with colleagues from around the world face-to-face. It's an experience to treasure for a lifetime."

Interested participants can email their CV to [email protected].  

Contact Information:
Rajeshwari Channakrishna
PR & Communication
[email protected]
+44 7440720172


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Original Source: Desygner Launches 'Workation' With Global Hackathon in Bali to Spark Innovation

Star-studded lineup of nominees includes Olympians and national champions

SANTA MONICA, Calif. - October 27, 2022 - (Newswire.com)

Nineteen (19) athletes have advanced to the voting round of the 92^nd AAU James E. Sullivan Award. This award has been presented annually since 1930 to the most outstanding athlete at the collegiate or Olympic level in the United States.

The two-week voting period opens to the public today at https://bit.ly/92AAUSullivan.

In addition to athletic excellence, the AAU Sullivan Award aims to recognize the qualities of leadership, citizenship, character and sportsmanship on and off the field.

This year's group of nominees includes:

• Aliyah Boston, Women's Basketball, University of South Carolina
• Allyson Felix, Track and Field, USA Track and Field
• Athing Mu, Track and Field, USA Track and Field / Texas A&M
• Bryce Young, Football, University of Alabama
• Carissa Moore, Surfing, USA Surfing
• Chloe Kim, Snowboarding, U.S. Ski and Snowboard
• Elana Meyers Taylor, Bobsled, USA Bobsled
• Erin Jackson, Speed Skating, U.S. Speed Skating
• Ivan Melendez, Baseball, University of Texas
• Jaime Jaquez Jr., Men's Basketball, UCLA
• Jocelyn Alo, Softball, University of Oklahoma
• Jordan Burroughs, Wrestling, USA Wrestling
• Kaillie Humphries, Bobsled, USA Bobsled
• Katie Ledecky, Swimming, USA Swimming
• Logan Wisnauskas, Men's Lacrosse, University of Maryland
• Maddie Musselman, Water Polo, USA Water Polo
• Nathan Chen, Figure Skating, U.S. Figure Skating
• Sophie Jaques, Women's Ice Hockey, Ohio State University
• Sydney McLaughlin-Levrone, Track and Field, USA Track and Field

"These exceptional athletes truly embody the spirit of the AAU James E. Sullivan Award," said J.B. (Jo) Mirza, AAU President. "They're not only top performers in their sport, but they display good character off the field."

This year's winner(s) will be announced at an awards ceremony on Thursday, Dec. 8, 2022, at the Samuel Goldwyn Historic Beach House in Santa Monica, California.

The winner(s) of the AAU Sullivan Award will join a renowned list of recipients. Last year, Olympians Simone Biles and Caeleb Dressel were crowned co-winners - becoming the fourth duo to win in the history of the award. Other prior winners include Michael Phelps (Swimming), Michelle Kwan (Figure Skating), Carl Lewis (Track & Field), Shawn Johnson (Gymnastics), Peyton Manning (Football), Ezekiel Elliott (Football), and Breanna Stewart (Basketball).

Voting opens to the public today, Oct. 27, and closes at 11:59 p.m. ET on Wednesday, Nov. 9. The public can vote once a day for their choice, up until the voting closes.

###

ABOUT THE AAU:

The Amateur Athletic Union (AAU) is one of the largest, non-profit, volunteer sports organizations in the country. As a multi-sport organization, the AAU is dedicated exclusively to the promotion and development of amateur sports programs. Founded in 1888 to establish standards and uniformity in sports, the AAU philosophy of "Sports For All, Forever" is now shared by more than 720,000 members and 150,000 volunteers across 45 sports pro­grams and 55 U.S. districts. For more information, visit www.aausports.org.

Contact Information:
Kelsey Burr
Public Relations Coordinator, AAU
[email protected]
407-828-8323
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Original Source: 19 Athletes Selected for Voting Round of the AAU James E. Sullivan Award; Award Recognizes Outstanding Athletes at the Collegiate and Olympic Level

SAN DIEGO - October 27, 2022 - (Newswire.com)

INGENIUM is excited to announce that, due to the rapid expansion of its client base in Texas, it is expanding and has officially opened two new locations in Dallas and Houston. This expansion, along with its existing location in San Marcos, TX, will allow INGENIUM to offer its full range of hazardous waste management services to the Texas market and will provide its Texas clients with the excellent service INGENIUM is known for.

"Our customers have been expanding their operations in Texas, and these new facilities will enable INGENIUM to provide the excellent service they've come to expect from our Hazard Heroes®." - Heather Johnson, CEO

"Working with the folks at INGENIUM has been a pleasure from the beginning. Their customer service is exceptional and above reproach. They're always on the ball and ready to help with whatever the situation may be. They offer a wide variety of disposal options and have proven to be very prompt with service; even with the short lead times we sometimes give them. I would recommend INGENIUM to anyone who has hazardous waste disposal needs." - Mike Casanover, Palmer Logistics, Baytown, TX

INGENIUM helps its customers manage their hazardous waste programs, maintain budgets, and meet regulatory demands while protecting employees, the community, and the environment. They also assist in the process of reducing and recycling waste to achieve sustainability goals while maintaining safety and service. 

For more information, contact INGENIUM at: Contact Us - INGENIUM (pureingenium.com)

About INGENIUM

Founded in 2006 and based in Escondido, California, INGENIUM is the leading provider of sustainable waste management solutions and is known for its innovation, accountability, and uncompromising integrity. INGENIUM provides a broad range of waste management services specializing in packaging, transportation, recycling, and disposal of hazardous, non-hazardous, biological, universal, and radioactive waste. INGENIUM is positioned along the entire West Coast and Texas, with multiple 10-day hazardous waste transfer facilities. INGENIUM operates nationally with the support of a vast network of waste management partnerships. Our customer base spans the nation and various industries, including biopharmaceutical, aerospace, chemical, general manufacturing, healthcare, and education.

Contact Information:
Michelle Stansbury
[email protected]


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Original Source: INGENIUM Expands Service Locations in Texas