NEW YORK - October 12, 2022 - (Newswire.com)

iQuanti: Millennials have undoubtedly faced some unprecedented financial challenges. Between student loan debt, rising costs for everything from housing to a cup of coffee, and wages that have barely moved (after taking inflation into account), the struggle is real. Fortunately, their situation doesn't have to be this way forever. Here are four good strategies millennials can use to figure out how to get out of debt and back in control of their financial lives:

1. Make a budget

Love them or not, budgets are a must-have for anyone who needs to do a deep dive into their finances. The beauty of a budget is that the more familiar you get with your transactions, the more likely you are to find areas where expenses can be cut and applied toward your debt.

Making a budget doesn't have to be complicated. It can be as simple as one that's made with paper and pencil, or a spreadsheet in Google Sheets. There are even apps you can download to your smartphone that will sync with your bank and credit card accounts.

2. Use a debt payment acceleration strategy

If you've got more than one form of debt, it can be beneficial to pay off certain ones before others. This is typically done using one of two popular debt payment acceleration strategies:

• The debt snowball method - Put your debts in order from smallest to largest based on the loan amount and begin focusing on paying off the smallest one first. Once eliminated, take the money you were paying and roll it towards the payment for the debt with the next smallest amount. Continue the cycle until all your debts are gone.
• The debt avalanche method - Put your debts in order from highest to lowest interest rate and begin focusing on paying off the highest one first. Once eliminated, take the money you were paying and roll it towards the payment for the debt with the next highest rate. Continue the cycle until all your debts are gone.

Many people have found these techniques to work because they're easy to follow and the payments grow with each successive cycle.

3. Refinance your loans

Even though it can feel like you're stuck with whatever amount you owe to a lender, the good news is that you're not. Many loans can be refinanced, meaning you can replace them with a new loan that has more favorable terms. This might be to achieve a smaller payment amount, lock into a lower interest rate, or change the number of payments.

If you've recently increased your credit score, then you should look into refinancing. Generally speaking, people with Excellent and Very Good credit will get great rates, and this could potentially save you thousands of dollars in interest over the life of the loan.

4. Apply for a debt consolidation loan

If you've got multiple debts and some aren't available for refinancing (such as a credit card balance), a different route is to take out what's called a debt consolidation loan. This is where you'll apply for one larger loan that you can then use to pay off all the smaller high-interest debts.

Under the right terms, debt consolidation loans can be a very quick and simple way to knock out everything you owe all at once. Again, to qualify for the best possible terms, it will help to have an Excellent or Very Good credit rating. 

The bottom line

Millennials don't have to live with debt. By setting up a budget and using a debt payment acceleration strategy, they can eliminate their debts one by one. Additionally, millennials also have the option to refinance their loans or consolidate them into one.

Contact Information:
Keyonda Goosby
Public Relations Specialist
[email protected]
(201) 633-2125

Carolina Darbelles
Senior Public Relations Specialist
[email protected]
(201) 633-2125


Press Release Service by Newswire.com

Original Source: 4 Ways Millennials Can Get Out of Debt Fast

MIAMI - October 12, 2022 - (Newswire.com)

iQuanti: We can all use a little help with our finances once in a while. If you have limited or no credit history though, it can be challenging to get lender approval. And with that said, depending on your needs and financial situation, you may still be able to get approved for a personal loan.

Is limited or no credit the same as bad credit? 

No. If you have no credit score, it doesn't necessarily mean that you have bad credit. It mostly means there is no record of how you act as a borrower. Every lender has different business practices they follow, and some lenders need to see a credit history before letting someone borrow money from them. Fortunately, though, there are financial providers that will lend you money, even with little (or without any) credit history.

Is it possible to get a loan with no credit? 

Yes. If you're looking for a loan but don't have a credit score, you may still be able to qualify for certain lenders' terms. Some lenders understand that you may not have a credit score if you're new to adulthood, a country, or financial freedom. Without transactional activity, it's impossible to generate an accurate credit score. If you need some help getting a loan, here are some options that you can try: 

Find a co-signer. If you can find someone with good credit who is willing to cosign for you, you may be able to get a loan. Remember though, the cosigner will be on the hook for the loan if you default. Make sure you and your family member (or friend) are comfortable with this arrangement before making this agreement.

Get a secured loan. If you own a car or a home, you may be able to get a secured loan using collateral. The downside of this, though, is that you could lose your collateral if you default on the loan.

Apply for a no-credit-check loan. Some lenders will make loans without running a credit check. However, these loans sometimes come with high-interest rates and fees. Each lender comes with its own terms, and you will benefit from understanding these terms before agreeing to partner with a lender.

No matter which option you choose, even with no credit history, there are plenty of ways to get a loan with the right financial support. Don't be afraid to call your lender of choice to ask any questions you may have.

Contact Information:
Keyonda Goosby
Public Relations Specialist
[email protected]
(201) 633-2125

Carolina Darbelles
Senior Public Relations Specialist
[email protected]
(201) 633-2125


Press Release Service by Newswire.com

Original Source: How to Get a Loan With Limited or No Credit History

Power Duo Hilary Farnum-Fasth & Jacob Watkins Close on $18.9M Gulf-Front Estate.

Seagrove, Florida - October 12, 2022 - (Newswire.com)

Corcoran Reverie, a high-end real estate brokerage and an affiliate of Corcoran Group LLC, announced today that Jacob Watkins and Hilary Farnum-Fasth, of the top-rated Florida small team Hilary & Jacob, closed today on an expansive Gulf-front estate in the gated community of Paradise by the Sea on Scenic Hwy 30A, making it the second highest sale in Paradise by the Sea and sixth highest sale in the history of 30A.

"The community of Paradise by the Sea is a serene sanctuary, while this residence was thoughtfully considered to enhance a lifestyle that would facilitate effortless entertaining and generational family living," said Corcoran Reverie owner Jacob Watkins. "The significant sale price is a testament to the strength of the 30A market and the enduring appeal of luxury Gulf-front lifestyle."

The custom palatial beach estate rests atop the sugar sands of the Emerald Coast, offering a haven of stability and security behind the community gates. The culmination of meticulous craftsmanship & materials from around the globe, this seven-bedroom ten-bathroom Mediterranean estate is a work of art in prestigious Paradise by the Sea. The new homeowners will embrace the true Florida lifestyle in the heated Gulf-facing pool, and enjoy the coastal dune walkover to the private beach below before enjoying an evening meal at the outdoor kitchen oasis. From the foyer to the boardwalk steps, this residence delivers endless opportunities to entertain family and friends in lavish comfort.

Paradise by the Sea is a gated community located minutes from Rosemary Beach. With award-winning architecture, quaint shops, weekend Farmer's Markets, and some of the area's most highly-rated restaurants, Rosemary Beach is one of the greatest amenities available to residents and guests of Paradise by the Sea.

"This was the second time that Corcoran Reverie has represented this home; the sale continues to highlight that the upper echelon of homes will always be attractive to buyers for the 30A area," said Corcoran Reverie owner and broker, Hilary Farnum-Fasth. "With 30A being a historically second home market based on cash buying power, the adjustment in interest rates and other economic factors don't play into the sale of luxury homes that are especially unique due to their location and amenities."

To date, in 2022, the luxury real estate team Hilary & Jacob has closed over $179M in gross sales. As the owners of Corcoran Reverie, they have established the luxury brokerage in both the Panhandle of Florida and the Nashville market and have been named the exclusive team for a number of new development projects this year, including Panama City Beach's newest Gulf-front community, Hadley's Beach.

Contact Information:
Corey Birger
Chief Operating Office
[email protected]
850.454.6693
Related Files
Paradise by the Sea Property Closed Press Release 10.11.22.pdf



Press Release Service by Newswire.com

Original Source: 6th Highest Sale in the History of 30A Successfully Closes in Paradise by the Sea

Historically significant release of nearly 100 rarely seen Norma Jeane photographs by legendary photographer Richard C. Miller — exhibited, collected and sold by the Getty Museum, Christie's and other lauded institutions worldwide — to be sold by category pioneer Phto. as fine art photography NFTs, complete with first-of-its-kind, blockchain-native Certificates of Authenticity.

LOS ANGELES - October 12, 2022 - (Newswire.com)

In its most anticipated release to date, Phto. — an NFT Fine Art Photography pioneer and industry leader — announced the "Innovation of Influence,'' a curated digital collection paying homage to one of the most photographed women in history: Norma Jeane. This historically significant catalog features imagery captured through the lens of legendary photographer Richard C. Miller — the only photographer to photograph the Hollywood icon from the start of her career as Norma Jeane through the end of her career as legendary actress, singer and socialite Marilyn Monroe. 

This extraordinary release of the Norma Jeane collection by Miller, which has been exhibited, collected, and sold by institutions such as the Getty Museum and Christie's, features fascinating rare images of the storied starlet that will be sold as digital NFT collectibles for the very first time. 

This iconic and incomparable collection includes both photographs and original negatives in which Miller captures Norma Jeane's transformation from her early years as a shy and unknown 19-year-old rising talent and Armed Forces pinup to America's beloved actress, singer, and generational-icon Marilyn Monroe. 

Phto. has licensed nearly 100 of these rare photographs and negatives as Limited Edition and 1-of-1 Fine Art Photography NFTs that come complete with a first-of-its-kind, blockchain-native Certificate of Authenticity. Featuring stunning portraits of the would-be superstar as both an ambitious teenager and a Hollywood powerhouse, this vibrant mid-century digital collection will go live for sale on Friday, Oct. 14, on all reputable digital asset marketplaces at a price of approximately $100 USD each. View a preview of the collection at https://www.phto.io/normajeane.

Included within its limited-edition "Innovation of Influence" release, Phto. will also auction a series of 1-of-1 mixed-media and AI collaborations with five renowned Web3 creatives: Claire Silver, Jeremy Cowart, Sara Baumann (aka Sparky), Jeneva and Amber Vittoria. Each artist will place their signature style on a unique photograph from Miller's collection, further amplifying and exemplifying the capabilities of fine art photography as a digital asset. 

"We are grateful for the opportunity to honor Norma Jeane and Richard C. Miller's legacies while also furthering the standard for digital ownership and provenance within the world of fine art photography," said Phto. "It has been a privilege to curate the collection, and we're elated to bring these rare, historic photographs to an audience of fine art enthusiasts and digital collectors around the globe." 

To learn more about the Phto. "Innovation of Influence" collection and others, or to submit photography for licensing consideration, visit Phto.io. 

Contact Information:
Phto. NFT
CEO
[email protected]


Press Release Service by Newswire.com

Original Source: Historic Marilyn Monroe Photographs to Be Sold as a Digital NFT Collection in the Metaverse

The on-chain carbon market has been developed on the public Polygon blockchain, meaning all market data can be read by market participants. Klima Data aggregates this data and makes it accessible to the market.

SAN FRANCISCO - October 12, 2022 - (Newswire.com)

KlimaDAO, the leading provider of tokenized carbon credits, has today announced the launch of the Klima Data Carbon Dashboard. The dashboard gives users of tokenized carbon an immediate insight into the state of the on-chain carbon market. It includes information on the type and amount of carbon credits available, the pool prices of carbon credits, and other key market data. A walkthrough video has also been released. 

KlimaDAO is built on the public Polygon blockchain. A public blockchain is one where anyone is free to join and participate in the core activities of the blockchain network. Anyone can read, write, and audit the ongoing activities. This means that the activity taking place within the on-chain market developed on Polygon can be made transparent for all market stakeholders. 

Unlocking transparency and growth

One of the major criticisms of the Voluntary Carbon Market is that the poor data availability makes it difficult for buyers of carbon credits to make informed decisions about the type and quality of carbon credits they purchase and the price they should pay. With an emerging carbon market built on public blockchain technologies, key market data can be immediately revealed to the market, in turn helping the Voluntary Carbon Market overcome criticisms around its poor transparency and begin to scale-up more efficiently.

This transparency-first approach of public blockchains is a significant innovation for the market, given that historically market data has typically been paywalled and retrospective. It no longer needs to be challenging for the consumers of carbon credits to make informed decisions around their market activities.  

Sy Zygy, Product Lead at KlimaDAO, says, "The Klima Data Carbon Dashboard represents a first, not only for the tokenized carbon market but the carbon market as a whole. For the first time ever, total carbon credit activity captured on the blockchain is made available through a set of informative dashboards viewable by anyone. We expect our carbon analytics to serve as a real-time 'State of Tokenized Carbon' report that can be referenced by industry participants, researchers, the press, and the general public. We're excited by the unparalleled transparency that blockchain technology enables in the Voluntary Carbon Market."

About KlimaDAO
KlimaDAO is an on-chain scaling solution for the Voluntary Carbon Market. KlimaDAO aims to open up the market to greater transparency and efficiency by combining tokenized carbon credits with a blockchain-enabled technology stack. If you are a business looking to offset your carbon footprint, get started here. 

Contact Information:
Alex Taylor
Press
[email protected]


Press Release Service by Newswire.com

Original Source: KlimaDAO Launches Carbon Dashboard to Bring Unprecedented Data Transparency to the Voluntary Carbon Market

COLUMBIA, Mo. - October 12, 2022 - (Newswire.com)

Renew Missouri, the Missouri Department of Natural Resources' Division of Energy, and Pearl Certification are excited to announce the official launch of the Renew Missouri Homes program.

Renew Missouri Homes, a public-private partnership between Renew Missouri, the Missouri Department of Natural Resources' Division of Energy, and Pearl Certification, will help ensure that energy-efficient, high-performing homes in Missouri are properly valued when they are sold.

The program makes a home's high-performing features — like renewables, insulation, efficient heating and cooling systems — visible and engaging to homebuyers through the state's Missouri Home Energy Certificate, supported by Pearl Certification. The result is that these homes will sell for higher prices — creating a powerful incentive for other Missouri homeowners to improve the performance of their homes by adding energy-efficient features and renewables. 

Homes certified through the Renew Missouri Homes program can also be listed on the Green Building Registry, a national registry for high-performing homes, through a partnership with Earth Advantage.

"The Renew Missouri Homes program is a vital extension of the great work the DNR Division of Energy is doing throughout the state," said Andy Popp, manager of the Missouri State Energy Program. "This program provides an easy-to-use framework for Missourians to create more comfortable, efficient, and sustainable homes that benefit the entire state."  

With the launch of Renew Missouri Homes, powered by Pearl, on Oct. 1, 2022, Missouri homeowners now have access to a free homeowner portal called Green Door to build custom plans that organize and track home energy upgrades, schedule regular home maintenance reminders, and connect with vetted contractors to perform energy upgrades. Qualified builders, home improvement contractors, appraisers, and real estate agents who earn admittance into the network gain access to Renew Missouri Homes' dedicated business development team, committed to helping them grow their businesses through supporting the high-performing home market. Industry professionals can apply to join the Renew Missouri Homes Network on the program's website. https://renewmohomes.com/

James Owners, Renew Missouri's executive director, said, "Renew Missouri knows that energy efficiency is the cornerstone of realizing a clean energy future. The Renew Missouri Homes program will be a driving force in making Missouri homes more efficient, save homeowners on their utility bills, and drive energy-efficiency investments across the state. We are honored and proud to have our namesake represent the program as we firmly believe in bringing energy efficiency to all Missourians."

"Missouri is truly leading the country by launching the Renew Missouri Homes program," said Robin LeBaron, co-founder and president of Pearl Certification. "We applaud and are thrilled to support the commitment to transforming Missouri communities for generations."

"Through this groundbreaking program, homeowners will get the tools and resources they need to create homes that are more comfortable, healthy, and sustainable by connecting with our vetted network professionals, who understand how to build, improve, appraise, and sell high-performing homes," said Cynthia Adams, Pearl's co-founder and CEO.

Missouri homeowners and industry professionals interested in learning more about Renew Missouri Homes, powered by Pearl, should visit https://renewmohomes.com/ or email [email protected]. 

About Renew Missouri: Renew Missouri, a 501(c)(3) not-for-profit, advocates for clean energy policies that will benefit all Missourians. In support of renewable and energy-efficiency interests, the organization presents to the Public Service Commission, the Missouri Legislature, and county and city offices to advance energy policy and legislation. www.renewmo.org

About The Division of Energy: The Missouri Department of Natural Resources' Division of Energy is focused on affordable and reliable energy generated in the state of Missouri. The division assists, educates, and encourages Missourians to advance the efficient use of diverse energy resources to drive economic growth, provide for a healthier environment and achieve greater energy security for future generations. https://dnr.mo.gov/about-us/division-energy 

About Pearl: Pearl Certification is the gold standard in high-performing home certifications, bringing visibility to the valuable features that make them healthy, safe, comfortable, and energy- and water-efficient. Pearl is the only national sponsor of the U.S. Department of Energy's Home Performance with ENERGY STAR^® program and is a partner with the National Association of REALTORS^® Green Resource Council. Pearl has certified and provided appraisal addenda on over 100,000 homes in 44 states and Washington, D.C. Pearl Certified homes sell on average for 5.5% more than comparable homes, according to independent appraiser studies. https://pearlcertification.com/ 

Contact Information:
Kat Cahill
Marketing Director, Public-Private Partnerships, Pearl Certification
[email protected]
410.917.8737

James Owen
Executive Director, Renew Missouri
[email protected]
417.496.1924


Press Release Service by Newswire.com

Original Source: Renew Missouri Homes Launches to Increase the State's High-Performing Homes

Will Be the Only Provider in King County Awarded the Competitive Grant

TUKWILA, Wash. - October 12, 2022 - (Newswire.com)

Sound, one of King County's largest and most comprehensive providers of behavioral healthcare, announced that it was awarded a highly competitive Certified Community Behavioral Health Clinic (CCBHC) planning, development and implementation grant. Sound was the only King County provider awarded the four-year grant, of six that applied for it, and is only one of seven recipients in the entire state of Washington. CCBHCs are specially designated clinics that provide a comprehensive range of mental health and substance use services and must meet rigorous standards to be awarded. 

The nearly $1-million-per-year grant will establish comprehensive coordinated care to meet the mental health, substance use, co-occurring disorder and physical health needs of the BIPOC, LGBTQ and other underserved communities. Sound's new 10,000-square-foot facility in Bellevue, located at 13555 Bel-Red Road, will serve as the program site. Under grant requirements, 500 unique individuals will be served annually, for a total of 2,000 unique individuals served through the life of the grant.

To qualify, CCBHCs must offer integrated evidence-based substance use disorder and mental health services, including round-the-clock crisis response and medication-assisted treatment. They must provide timely access, quality reporting and coordination with social services, re-entry and education systems. 

"The CCBHC model is in complete alignment with Sound's commitment to providing quality integrated behavioral healthcare," said Katrina Egner, Executive Vice President and Chief Programs Officer at Sound. "CCBHCs are proven to be an effective framework for providing the accessible, recovery-focused care our clients need."

As the state of Washington takes its own steps toward adopting the CCBHC care delivery model and becoming a CCBHC state, Sound's findings may be used in developing a blueprint and best practices for the industry in the years to come. CCBHCs benefit the community because they greatly improve access and accessibility to high-quality, evidence-based integrated behavioral healthcare. They benefit providers because of the potential to increase reimbursement rates that ensure greater financial sustainability.

"This is significant news," said Patrick Evans, President and CEO of Sound, "and marks the future of behavioral healthcare. I believe our history of innovation, commitment to evidence-based integrated care and comprehensive offerings uniquely qualifies us. This announcement is a key component of our transformation into a more sustainable provider of healthcare services, positioning Sound to be the model behavioral healthcare organization of the future." 

This follows a number of recent strategic changes Sound has put into place as it transforms post-COVID and works to create a more sustainable and viable healthcare business. The organization has consolidated locations, creating more streamlined and efficient operations; completed the sale of Cascade Hall, a 64-bed residential treatment facility, to King County; is reconfiguring its Primary Care practice and continues to evaluate other lines of business that are no longer sustainable in the current funding and reimbursement environment. 

About Sound

An independent, private nonprofit for more than 50 years, Sound has served the most complex addiction and behavioral health issues in our community, providing high-quality, comprehensive whole health services throughout the region. Sound is currently providing expanded telehealth services and provides primary care in a number of locations. The organization is an early adopter of Reaching Recovery, an evidence-based clinical model that promotes high levels of client engagement, improves outcomes and enables providers to better measure a client's recovery. Sound stands at the forefront of the healthcare field, accepting the most difficult cases and exploring new approaches to care. Our goal is to help individuals and families achieve the highest level of independence possible by providing whole health solutions, including addiction treatment, mental health, vocational, supportive housing and many other services. To learn more, visit www.sound.health.

Contact Information:
Stephen McLean
Chief Marketing & Public Relations Officer
[email protected]
206-901-2061


Press Release Service by Newswire.com

Original Source: Sound Awarded Selective CCBHC Grant

Announces NFT Campaign for Charity and Affordable Housing Tower for Gen Z in Miami-Dade

MIAMI - October 12, 2022 - (Newswire.com)

David Zandi, the founder of Miami-based 501(c)(3) organization dzQuest.org, has announced an agreement with Hyperlink Infosystem to develop a social media platform tailored for the Gen Z and Electronic Dance Music (EDM) communities. Code-named "WinterDew," the project began development on Oct. 10. The project is expected to be completed in March 2023.

Hyperlink Infosystem's key clients include Google, Discovery, Viacom, Disney and BBC. This partnership will allow dzQuest to create a much-needed service for the Gen Z and EDM communities, while creating opportunities for Miami-Dade county.

"We are very excited to be working with Hyperlink Infosystem on this project," said Zandi. "I wanted a platform for genuine connections between real-life friends and a place where Gen Z can be themselves and find acceptance."

Zandi, a marketing executive specializing in Gen Z campaigns, has spent the past eight years working for global conglomerates, setting up local campaigns in 111 countries. The brands remain steadfast and united in supporting the social media platform initiatives by providing funding and resources for the music festival and other events to be hosted by David Zandi. Zandi intends to invest future advertising revenue toward initiatives for Gen Z. This includes giving away VIP passes to the Ultra, Tomorrowland and EDC music festivals, Burning Man, and a planned 2,000-unit affordable housing tower in Miami.

Since the conception of this platform, there has been great interest from both sides of the aisle in D.C., in the potential application of this platform to engage future voters. This application has the potential to revolutionize the way campaigns are run by making it easier for candidates to connect with future voters.

In the coming weeks, a major bank will be selected to become the official payment processor and to integrate the social media platform with their banking system. This deal is expected to generate $700 million in revenue in 2023 for the banking partner. In December, a traditional media company will receive broadcast rights to the exclusive music festivals hosted by David Zandi. This deal will generate $800 million from advertising revenue for the media company in 2023 from the 40 festivals.

Zandi's photography and volunteerism have always been about giving back to the local community. To that end, he is launching an NFT campaign to highlight his past work and raise funds for his charity. Each NFT will be listed for 33 ETH, with his iconic 9/11 badge being listed for 3,333 ETH.

ABOUT  dzQuest

dzQuest is a registered  501(3)c non-profit dedicated to supporting and amplifying the voices of Gen Z, especially as it relates to music and entertainment events. The organization's NFT collection can be found at OpenSea at https://opensea.io/dzquest.
 

###

PRESS  CONTACTS

dzQuest - Brand, Bank and Corporate Relations
David Zandi
[email protected]
2045 Biscayne Blvd, Suite 352
Miami, FL 33137

Hyperlink Infosystem
Harnil Oza
[email protected]
One World Trade Center
285 Fulton Street suite 8500
New York, NY 10007

Contact Information:
Samantha Savory
Publicist
[email protected]


Press Release Service by Newswire.com

Original Source: American Non-Profit Organization, dzQuest, Partners With Hyperlink Infosystem to Develop New Social Media Platform