NEW YORK - October 17, 2022 - (Newswire.com)

iQuanti: Saving money is a relative term. You can look at it from a short-term perspective. Can I lower my monthly payments? You could also view it with a more long-term outlook. Can I decrease the total amount I pay with a refinanced car loan? Both scenarios could fall into the category of "saving money." The question is whether one of them is the right choice for you.

Refinancing to lower your monthly payments

Increasing cash flow is important. It lowers the financial burden of day-to-day living and frees you up to do more of what you enjoy in life. Lowering your monthly car payment by $50 or $100 can make a big difference in this area. Think of it as another night out with your partner, an extra round of golf, or just being able to fill your gas tank one more time.

Are any of these good reasons to refinance your auto loan? Getting a lower interest rate or lengthening the term of the loan will lower your monthly payments. That certainly fits the criteria for "saving money," but that's a temporary fix. 

Of course, you could invest that extra money into something that will earn you a return, like a CD, bond, money market account, or even a good stock. In that scenario, you're both saving and earning at the same time, but does it cover the cost of those extra interest payments you'll make by stretching out the loan term? If you do the math, you may not be saving anything.

Refinancing to decrease the total amount paid on the loan

Your monthly payment on a car loan doesn't all go to the principal. Loans work on an amortization schedule that applies a larger percentage of your loan payment to interest in the early stages of repayment. For instance, a payment of $500 could be split into $250 towards interest and $250 towards the principal. The interest portion decreases over time as you reduce the principal.

To clarify this further, when you refinance to stretch the loan term, you're paying down your principal even slower. By the end of the loan term, you may have paid less per month, but you end up paying more in interest on the amount that you borrowed. That does not classify as "saving" money. There's a better way to do that.

Refinancing for a shorter term, and obviously lowering your interest rate, are the only true ways to save money in the long run. A shorter term could mean higher monthly payments, but the overall amount you pay on the loan will go down and it will be paid off sooner. From a financial perspective, this is real long-term savings.

The Bottom Line: Saving Money is a Relative Term

Yes, we already said this, but it's an important point. You can look at saving money as a short-term exercise or a long-term plan. Refinancing your auto loan to stretch the loan term and lower monthly payments may save money in the present but costs you more over time. Extending your loan term for a longer period could end up costing more money since you'll pay more in interest. Shortening the loan term and increasing payments create long-term savings.

Be wary of origination fees as well. These are the fees the lender charges for their initial services, similar to most commission-based payments. While these are necessary for the lender, they can stack up if you ever refinance your car multiple times and could cost you a lot of money in the long run.

A third option is to just refinance for a lower interest rate. That will both lower your monthly payment and save you money on the overall payout for the loan. This is the ideal situation and one that may work if your credit score and income have gone up since you took out the original loan. If that's your situation, shop around for a lender that can offer this.   

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: Will Refinancing a Car Save You Money?

NEW YORK - October 17, 2022 - (Newswire.com)

iQuanti: Is money getting tight? With inflation at 40-year highs, many people who were already living paycheck to paycheck are wondering how they'll be able to get by financially now that the price of nearly everything has gone up. Fortunately, you don't have to stress. There's always the option to borrow money or earn a few quick bucks taking on side hustles. Here are five practical ways to get fast cash this fall:

1. Sell unwanted items

What do you have lying around your house that you no longer use? Here are some examples:

• Clothes that you don't wear
• Small kitchen appliances that you haven't tried in years
• Sports gear that you no longer use

Don't let those things sit around and collect dust. List them on a site like Facebook Marketplace or eBay, and turn them into cash. 

2. Take up a side hustle

Are you willing to work a few extra hours to earn some extra cash? If so, there are thousands of great money-making opportunities that are easy to do and won't take up too much of your time. Some of the most popular side hustles include:

• Freelancing, such as managing other people's social media accounts.
• Grocery shopping for other people.
• Picking up food from restaurants and delivering it.

The great thing about many side hustles is that you get paid almost immediately. On top of that, you can work as much or as little as you want, so you're in control at all times.

3. Apply for a personal loan

If you need money relatively quickly and don't have the time to earn it or sell your old items, then you could always take out a personal loan. Personal loans are when a lender gives you a certain amount of money and you agree to pay them back in fixed intervals, usually with a specific amount of interest.

Many personal loans are secured, meaning that they'll require you to offer some form of collateral like your house or car. You can also apply for what's called an unsecured loan, where no collateral is required. These types of loans are usually for smaller amounts and often carry higher interest rates, but you won't risk losing an item you own if you can't repay what you owe. 

4. Take out a title loan

If your credit score is an issue that may prevent you from taking out a personal loan, another avenue to try is a title loan. Title loans are short-term loans where borrowers put up their vehicles as collateral in return for up to 50% of the vehicle's value.

Many title lenders have less strict credit score requirements, so nearly anyone can be approved and walk away with thousands of dollars within a few minutes. But keep in mind that the lender can repossess your car if you don't pay back the loan, so make sure you have a good repayment plan in place before applying.

5. Borrow money from family and friends

Finally, if all else fails, you've always got the option to borrow money from your family and friends. Many may be willing to help if you're truly struggling and can formally commit to some agreeable payback terms.

If you use this option, just be sure to make paying them back a top priority. Unlike a bank, the lenders are people who love you and would do anything to help. Failure to pay them back would be a violation of that trust and could cause permanent damage to the relationship.

The bottom line

Cash might be tight, but you've got options for getting the funding you need. Actions like selling your old items or taking up a side hustle are a few ways to get fast cash. You could also always borrow money from a bank, title lender, or family and friends.

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 Easy Ways to Get Fast Cash This Fall 2022

Discover authentic Iraqi pastries from Shehed Bakery, created from family recipes using nutritious ingredients and rich flavors.

CHICAGO - October 17, 2022 - (Newswire.com)

Shehed Bakery allows everyone to experience Iraqi flavors with authentic pastries no matter where their customers live. Iraqi culture is known for its rich history and unique cuisine, but it can be hard to find bakeries that serve authentic pastries, especially in the United States. Shehed Bakery is changing that by bringing the flavors of Iraq to customers' doorsteps one pastry at a time.

Shehed Bakery was founded by Iraqi native Asel Abu-Alshaeer, who was determined to share her heritage and family recipes with the world. Since then, she has been making delicious treats that unique flavors with various exciting and nutritious ingredients. Shehed Bakery offers a curated variety of pastries, including baklava, Madgooga Energy Bites, Khfefy (Savory cookies), and more.

The bakery's mission is simple: "We want everyone in America to know about our culture and our food," says Asel, founder of Shehed Bakery. "We want our customers to be able to indulge in healthier, tasty snacks that are full of both flavor and culture."

Shehed Bakery recently catered the TEDx Chicago show and is set to attend the Chicago Artesian Market. Want to know which local events Shehed Bakery will be at next? Sign up for their newsletters to stay in the know. Customers who are looking to nourish their minds and bodies can check out https://www.shehedbakery.com to learn more about the Iraqi culture and enjoy a delicious treat.

Contact Information:
Asel Abu-Alshaeer
Founder
[email protected]


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Original Source: Shehed Bakery Offers the Experience of Authentic Iraqi Pastries in the Comfort of One's Home

Honey, of KanD Beagles, was awarded second place overall at the 2022 NBC National Specialty U.S. Beagle Nationals

WHITEWRIGHT, Texas - October 17, 2022 - (Newswire.com)

KanD Beagles, a 110-acre, Texas-based dog breeder, attended the 2022 NBC National Specialty U.S. Beagle Nationals with Honey. Honey is titled as a Grand Champion Silver, or GCHS.  Her win in this event effectively placed Honey at second place overall in the Beagle Championship. She was ranked in 2021 as 17 in the United States. The event took place from Sept. 24-28, at the Institute Farm, Aldie, Va.

Honey was entered in the Best Of Variety at the U.S. Beagle Nationals, winning Best of Opposite Specialty (BOSS), competing against over 200 Beagles from around the world. Honey finished the Championship in second place. Honey's dam owner and breeder is MerryLee's Kennel, and her sire owner is KanD Beagles. Laura Chamness was Honey's handler for this competition.

"We were proud to see Honey receive such an honor on a national stage," says Kim Goggins, one of KanD's founders and owners. "Our core values place the highest priority on raising beagles with the best of health, highest quality pedigrees, outstanding temperament with love and care. That produces what we've always described as, 'simply better beagles,' for our families."

All Beagle puppies are raised on their family farm KanD (Kim and Dennis) acres in Whitewright, Texas. KanD beagles are available for adoption nationwide. The breeder currently has two litters, comprised of three male and two female puppies born on June 2, 2022. 

Anyone interested in learning more about adopting a beagle with KanD or joining the waitlist for upcoming litters is encouraged to visit: https://www.kandbeagles.com/contact 

###

About KanD Beagles

KanD Beagles is a 110-acre family farmstead beagle breeder based in Whitewright, Texas. The team is part of the National Beagle Club and AKC's "Bred with H.E.A.R.T" program, which requires strict health measures, ongoing education, accountability and responsibility. They are committed to preserving the purebred beagle and doing so through raising the dogs in a loving and caring environment, nurturing excellent health, outstanding pedigrees and wonderful temperaments. 

KanD participates with the Beagle Freedom Project and Let Love Live Rescue, rescuing and fostering Beagles who did not have homes throughout North Texas. The organization also contributes to the local DFW Beagle Buddies Rescue and AMBRN, a National Relief Network. Their guiding principle is best encapsulated in this phrase: "This little pup didn't choose to come into this world; we decided for him. Our responsibility is to ensure they have a loving, caring home for their entire life."

Media Contact:

Sydney Birge | [email protected]
+1 972 674 9595

Contact Information:
Sydney Birge
Placement Coordinator
[email protected]
+1 972 674 9595


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Original Source: KanD Beagle Places Second at US Beagle Nationals in Aldie, Virginia

These American Heart Association courses offer a flexible and affordable way to earn CPR, BLS, ACLS, and PALS certification. Safety Training Seminars offers these courses every day of the week - including Saturdays and Sundays.

SACRAMENTO, Calif. - October 17, 2022 - (Newswire.com)

Safety Training Seminars, an official American Heart Association^© (AHA) Training Center, is making earning certifications in CPR, BLS, ACLS, and PALS accessible to more Californians with five conveniently located training centers across the Sacramento area. 

Safety Training Seminars offers RQI training courses from 8 am to 5 pm Monday to Sunday, which provides scheduling flexibility for Sacramento medical and healthcare providers. Their state-of-the-art classroom facilities are located in:

·   Davis, 1403 5th Street, Suite 4

·   Elk Grove, 9075 Elk Grove Blvd., Suite 100A

·   Roseville, 805 Douglas Blvd., Suite 138

·   Sacramento, 2501 Capitol Ave., Suite 107

·   Woodland, 725 Main St., Suite 227

Each course consists of online learning components and on-site skills testing. Students receive their certification eCard on the day of the course.

BLS CPR Provider Heartcode courses cover Basic Life Support fundamentals. These courses train participants to properly recognize various life-threatening emergencies, administer chest compressions, perform ventilation, and use AEDs. Safety Training Seminars offers the course for both initial and renewal of certifications.

ACLS Heartcode courses are offered for initial or renewal certifications. These courses cover Advanced Cardiovascular Life Support training and skills. They are especially focused on emphasizing the importance of continuous, high-quality CPR and are ideal for participants who respond to cardiopulmonary arrest scenarios or other cardiovascular emergencies.

PALS Courses offer training on Pediatric Advanced Life Support for participants seeking initial or renewal certification. The training is designed for those who respond to emergencies in infants and children and for personnel in emergency response, emergency medicine, intensive care, and critical care units.

Adult and Pediatric Heartsaver CPR and First-Aid Heartcode courses train participants how to administer CPR for infants, children, and adults. Additional topics include: chokesaving, AED use, bleeding treatment, EpiPen^® administration, and more. These trainings are designed for a wide variety of participants, including teachers, childcare providers (EMSA approved), parents, supervisors, and more.

"Safety Training Seminars is committed to saving lives by giving more people access to training to learn critical skills that help them respond appropriately in various emergency situations," said Laura Seidel, owner of Safety Training Seminars. "Our five Sacramento area locations, paired with our everyday training schedule and affordable pricing, help us deliver on this commitment." 

Safety Training Seminars is a woman-owned business offering essential lifesaving training and certification courses since 1989. Programs include CPR, First-aid, BLS, ACLS, PALS, NRP, and EMSA childcare classes. With over 30 locations throughout Northern California, Safety Training Seminars is committed to offering affordable, flexible training in comfortable classrooms outfitted with today's cutting-edge training resources and tools. To learn more, visit www.bayareacpr.org.

Contact Information:
Danielle Bell
Marketing Manager
[email protected]
415-437-1600


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Original Source: Safety Training Seminars Offers CPR, BLS, ACLS, & PALS Training Courses in Sacramento, Woodland, Davis, Elk Grove, & Roseville

Japanese Kitchen Appliance Manufacturer Adds a New Limited Edition Water Boiler to the Exclusive Hello Kitty® Collection

TORRANCE, Calif. - October 17, 2022 - (Newswire.com)

Zojirushi, a premier manufacturer of premium kitchen electrics, and global lifestyle brand Sanrio^®, announces the release of a new Hello Kitty^® branded Micom Water Boiler & Warmer (CD-WCC30KT). Zojirushi's water boilers are a convenient kitchen counter appliance that allows users to have hot water at the ready and Hello Kitty by their side. Available in a 3-liter capacity, this supercute boiler features Hello Kitty^® in gold to match the previously released rice cooker and is available online at shop.zojirushi.com and other retailers on Oct. 17, 2022 for a MSRP of $183.00.

Water boilers differ from electric kettles in that they hold a larger supply of water, and they do not shut off once water boils. Having hot water readily available is the perfect solution to quenching thirst and staying healthy. According to the Tea Association's Fact Sheet, research suggests that drinking 3 to 5 cups of certain varieties of tea per day can offer significant health benefits. See https://www.teausa.com/teausa/images/TeaCouncil-ResearchDoc-2015.pdf for more info on tea consumption.

The Micom Water Boiler & Warmer is ideal for use in the home or office, making tea, instant coffee, hot chocolate, instant soups, sauces and practical applications like blanching vegetables, or warming baby bottles. Features of this model include a micro-computerized temperature control system that maintains four hot water temperatures: 160ºF, 175ºF, 195ºF, or 208ºF. There is also a Quick Temp mode that heats the water to the selected keep warm temperature without reaching a boil, saving time and energy. In addition, an energy saving timer function automatically turns on the boiler at a set time to save electricity. The wide window water level gauge allows users to easily see when they need to refill, and the LCD panel displays the current water temperature. This model also has a Café Drip dispensing mode for slow water dispensing and boasts a safety auto shut-off that automatically turns off the boiler when empty, preventing over-heating of the unit. 

The Limited Edition is exclusive to the U.S. and Canada with a Hello Kitty^® pattern designed specifically for Zojirushi.

Please visit https://www.zojirushi.com/app/product/cdwcc30kt for more details.

About Sanrio^®

Sanrio is the global lifestyle brand best known for pop icon Hello Kitty^®, and home to many other beloved character brands including Chococat™, My Melody™, Badtz-maru™, Keroppi™, Gudetama™ and Aggretsuko™. Sanrio was founded on the "Small Gift, Big Smile^®" philosophy - that a small gift can bring happiness and friendship to people of all ages. Since 1960, this philosophy has served as the inspiration to offer quality products, services and activities that inspire unique consumer experiences across the world. Today, Sanrio's legendary breadth of products are available in over 130 countries and in retail locations including department, specialty, national chain retailers and Sanrio boutique stores. To learn more about Sanrio, please visit www.sanrio.com and follow @sanrio and @hellokitty on Facebook, Instagram, Twitter, TikTok, Pinterest and subscribe to the Hello Kitty and Friends YouTube Channel.

About Zojirushi

In 2018, Zojirushi celebrated its 100th anniversary, and a century of products designed to improve customers' quality of life—bringing comfort, ease, vitality and affluence to people around the world. Zojirushi was established in 1918 as a producer of hand-blown vacuum bottles and has been a world leader in thermal products ever since. The Zojirushi line was expanded to include a wide range of stainless-steel vacuum bottles, rice cookers, bread makers, Air Pot® beverage dispensers, thermal serving carafes, specialty cookware, small electrics, restaurant equipment, and other products. Striving to remain faithful to the principles that embodied the company's first 100 years, and the reputation of quality and durability it earned them, Zojirushi looks forward to a future of continued innovation and inspired design.

Contact Information:
Krista Erickson
Public Relations
[email protected]
310 926 1435


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Original Source: Zojirushi and Hello Kitty(R) Get Countertop Cozy

Chicagoland luxury interior design firm and retailer Linly Designs has purchased California-based custom furniture brand Marge Carson.

CLARENDON HILLS, Ill. - October 17, 2022 - (Newswire.com)

Chicagoland luxury interior design firm and retailer Linly Designs has purchased California-based custom furniture brand Marge Carson.

After 75 years of operation as a resource for high-end residential upholstery, bedroom, and occasional furniture sold through retailers, design center showrooms, and interior designers, Marge Carson's former CEO Jim LaBarge announced earlier this month that he would be ceasing operations to focus on his health. Linly Designs, with a reputation for excellence, growth, and high-end design services, purchased the brand this week.

"Out of many interested and highly-qualified parties, I have chosen Janet as my successor to carry on the spirit, quality, and design excellence of Marge Carson," said LaBarge. "She is someone in the industry with brilliance, a reputation for achievement, and a mindset for success," LaBarge said of Janet Linly, President & CEO of Linly Designs.

The Marge Carson furniture brand is known not only within the United States, but globally for their uncompromised quality, generously-proportioned silhouettes, and some of the finest textiles in the industry. With designs that are exclusive to their brand, Marge Carson is sought after by the most discerning clientele for their exquisite styles and world-renowned craftsmanship.

Marge Carson was started in 1947 by Marjorie Carson and is believed to be the only major furniture manufacturer started by an interior designer. "It feels that the brand has come full circle from its inception with Marjorie Carson now that Janet Linly has acquired the brand," LaBarge said, adding, "I feel that the Marge Carson name is in the best possible hands."

Janet Linly established Linly Designs in 2002 and provides the Chicagoland area a resource for fine furniture and luxury home décor while offering elite interior design services. With an 11,000 sq. ft. retail store, Linly Designs has been one of Marge Carson's largest accounts in the Midwest for over a decade. "We are celebrating our 20-year anniversary this year, so I could not be happier for this acquisition," says Linly. "Within the design industry, the Marge Carson brand has become synonymous with luxury and excellence and I feel fortunate and honored that I will be able to continue that legacy."

ABOUT LINLY DESIGNS
As a leader in the design industry, Linly Designs offers high-end interior design services to create refined living spaces for clients all over the U.S. Operating an 11,000-square-foot showroom in Clarendon Hills, Linly is the only US-based design firm featured in many Royal, commemorative publications including their most recent Rolls-Royce Club Platinum Jubilee Edition album. Among their many achievements, Linly Designs is also a member of the Chicago FORBES Community.

Contact Information:
Jennifer Sterna
[email protected]
630.769.5099
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Original Source: Interior Design Firm Linly Designs Acquires Luxury Furniture Brand Marge Carson