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

iQuanti: Millennials can use loans for all sorts of things, from emergencies and large purchases to refinancing and consolidating existing debts. But you must know the basics about loans before taking one out for yourself, especially as costs continue to increase in 2022. Doing this will help you minimize costly mistakes and avoid falling into debt. Let's dive deeper into four things millennials should know before getting a loan in 2022.

1. There are many types of loans

For one, you can choose between secured and unsecured loans. Unsecured loans are loans that don't require collateral, such as installment loans and cash advances. Secured loans are often easier to get and offer better loan amounts and rates, but they require you to put down collateral. The lender can seize this collateral if you fail to repay the loan. This is what lets them offer better terms.

There are plenty of secured loan types. For example, car title loans use your vehicle's title as collateral if you own it outright and have no liens on the title. With this type of loan, the lender will offer you cash based on your car's value.

2. Loans often come with credit checks

Many loans will check your credit as part of the application process. No credit check loans may be hard to find, but many lenders have less strict requirements. For instance, title loans and cash advances generally don't require you to have a good credit score to get approved. Lenders offering these loans will look at your income or the value of your collateral in addition to your credit score when making an approval decision. Shopping around and offering collateral may help you get a loan with more lenient requirements.

3. You'll need to provide personal and financial information

Lenders gather several pieces of information to process your loan application and make an approval decision. They may ask for personal and financial info like:

• Name
• Date of birth
• Social Security number
• Bank account (to deposit loan proceeds)
• Annual income
• Proof of employment
• Debt-to-income ratio 

You may need to find documentation proving some of the financial information, such as pay stubs, tax returns, and employment verification letters.

4. You may have to pay fees

Loans may charge fees along with interest. For example, some installment loans charge an origination fee when you take out the loan. They may also charge late fees for late payments and returned check fees if you don't have the cash to cover the payment.

Also, be careful about paying off a loan early. Some lenders may charge prepayment penalties for early loan payoff. Check the fine print before signing any loan paperwork to try and avoid these.

The bottom line

Knowing some basic facts about loans makes the process go smoother and reduces the chance that you make a costly mistake. Understand what kinds of loans are available to you so you know what fits your needs and credit score. Then, ensure you can provide all the information the lender needs to make their approval decision and be aware of any fees before signing the paperwork. With this knowledge in hand, you'll be easily able to find a loan that fits your needs and budget.

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

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


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Original Source: 4 Things Millennials Should Know Before Getting a Loan in 2022

VANCOUVER, British Columbia - October 11, 2022 - (Newswire.com)

Klean Industries Inc. ("Klean"), a leading tire pyrolysis equipment manufacturer and project developer, is pleased to announce it has selected Chemex Global, LLC, a subsidiary of The Shaw Group, LLC, to engineer, procure and fabricate Klean's 20,000 MT hydrocarbon upgrading system for its Boardman, Oregon, project. Both parties intend to execute the design-build contract, which includes process and schedule guarantees in the first quarter of 2023.

The Boardman facility will convert end-of-life-tires (ELTs) otherwise destined for landfill or incineration into highly valuable products such as a recovered carbon black (rCB) used as a replacement for new carbon blacks and recovered fuel oil (rFO) that is blended with Carbon Black Oil (CBO) to be used in the creation of new virgin biobased carbon blacks. This is a significant advancement in developing circularity within both the carbon black and tire manufacturing industries while also meeting environmental, social, governance (ESG) mandates. Additional attributes include notable reductions in carbon emissions while also addressing significant improvement in the production of virgin carbon blacks because the rFO contains a biobased content of approximately 35%-40%, which is a result of natural rubber found in scrap tires.

Chemex Global will provide a modular back-end pyrolysis oil condensing and fractionation system, and control systems. This system includes the facilitation of the integration of its technology and equipment into the overall facility for the conversion of the recovered pyrolysis oil. The pyrolysis oil is condensed and then split into two streams of which approximately 85% is a hydrocarbon product of similar quality to VLSFO 1% and 15% is a naphtha-like product. The lighter naphtha-like product is destined for the California marketplace for applications that meet the Low Carbon Fuels Standard (LCFS) for the creation of low-carbon intensity road fuels, diesel, and other valuable products. Further, Chemex Global will fully commission the oil upgrading unit. 

The fabrication of the modular oil upgrading system will be completed by Chemex Global's parent company The Shaw Group at its shops across the United States, including its state-of-the-art 440,000-square-foot module facility in Lake Charles and pipe fabrication facilities in Walker, Louisiana, and El Dorado, Arkansas.

"It's taken some time to find the right partners for Klean's projects that have the depth of experience needed for the timely rollout of our integrated resource recovery projects. Our projects are capital-intensive and require cost-effective and highly technical solutions that can deliver specified output products on a guaranteed basis. With +40 more projects under development, we believe Chemex offers the solutions that best fit our timelines and budget and we look for to expanding this relationship to develop more projects together," said Jesse Klinkhamer, CEO of Klean Industries Inc. 

"Our diverse engineering capabilities combined with world-class fabrication assets enabled us to assess the project and minimize field execution to the greatest extent possible while keeping project development plans on a fixed schedule. We look forward to further expanding our presence in the pyrolysis oil space in particular and the waste-to-energy space in general, where we feel we are quickly establishing a market-leading position because of our ability to provide turnkey execution on a highly accelerated basis," added Matt Rodgers, Chief Commercial Officer, Chemex Global. 

About Chemex Global

Chemex Global offers clients a boutique service experience for modular and conventional refinery and energy projects. Chemex Global is positioned at the forefront of the energy transition. Our in-house experts draw on over 40 years of global experience to engineer and design each piece of a project tailored to a client's specific needs and ensure that the most effective and reliable solution is achieved. Chemex Global leverages an integrated team approach that includes all project disciplines and drives safety, quality, and construction-driven planning. Chemex Global operates from the Greater Houston area with our engineering, design, and project management teams in The Woodlands, Texas.

About The Shaw Group

Shaw is an industry leader in pipe and module fabrication services to a variety of industries including oil and gas, heavy construction, power, pulp and paper, pharmaceuticals, food and beverage, and wastewater. The company boasts 2.2 million square feet of fabrication and manufacturing capacity around the world, with the capability to provide premier pipe fabrication, module, and induction bending services to industrial clients throughout the world. Headquartered in Houston, Texas, Shaw employs approximately 700 people across its offices and operations in North America and the Middle East.

About Klean Industries Inc.

Klean Industries comprises an international team of award-winning experts with decades of experience in the design, manufacturing, and deployment of alternative energy solutions, including clean power production, waste management, recycling, and resource recovery. Klean uses proven technologies to rapidly develop projects that produce the highest-quality fuels, recovered Carbon Blacks ("rCB"), and green energy from various kinds of carbon-based wastes. Klean specializes in building projects that use thermal technologies such as gasification, pyrolysis, and carbonization, which convert scrap tires, waste plastics, and municipal solid waste into domestic energy, sustainable green commodities, and new cleantech jobs.

For more information about Klean, please visit www.kleanindustries.com or follow us on:

• LinkedIn ~ www.linkedin.com/companies/kleanindustries
• YouTube ~ www.youtube.com/KleanIndustries
• Facebook ~ www.facebook.com/KleanIndustries 
• Instagram ~ www.instagram.com/kleanindustries
• Twitter ~ www.twitter.com/kleanindustries

CORPORATE HEADQUARTERS
Klean Industries Inc. 
700 W. Georgia St., Suite 2500 
Vancouver, BC 
Canada, V7Y1B3
(T) +1.604.637.9609
(T) +1.866.302.5928
(F) +1.604.637.9609
(E) sales(@)kleanindustries.com  

Contact Information:
Marc Smith
Business Development
1-604-637-9609


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Original Source: Klean Industries Selects Chemex Global to Support the Rollout of a Flagship Tyre Pyrolysis Project

Food systems reform is needed to ensure provision of vitamin and minerals globally.

GENEVA - October 11, 2022 - (Newswire.com)

Research published today in Lancet Global Health indicates that 1 in 2 preschool-aged children and 2 in 3 women of reproductive age worldwide are affected by vitamin and mineral deficiencies (often referred to as "hidden hunger"). For decades it was widely believed that 2 billion suffer from this hidden hunger. But these new findings on just women and young children—who make up just one-third of the total population worldwide—suggest the number is far larger once all the school-age children, adolescents, men, and older adults excluded from this analysis due to data gaps are included. The research, "Micronutrient deficiencies among preschool-aged children and women of reproductive age worldwide" was a collaborative project led by the Global Alliance for Improved Nutrition (GAIN), through the USAID Advancing Nutrition project, along with a team of global micronutrient experts, including an Advisory Panel brought together by the Micronutrient Forum. Each step of the analysis was vetted through a formal process and then the paper went through rigorous peer review in a leading global health journal.

Lynnette Neufeld, Director of Food and Nutrition Division at the Food and Agriculture Organization of the United Nations (FAO), said, "Diets that don't provide the right levels of vitamins and minerals can compromise your immune system, impair your cognition and school performance, decrease your work productivity, and may contribute to risks of non-communicable diseases such as heart problems. This is a widespread problem, impacting individuals, families and communities everywhere in the world, although particularly in lower-income countries."

Micronutrient deficiencies are highest in lower-income countries because diets often lack a diversity of nutrient-rich foods and tend to rely on a large share of calories from rice, wheat, maize or similar staple foods. In fact, 9 in 10 women in several countries in South Asia and Sub-Saharan Africa are deficient. However, deficiencies are surprisingly high even in high-income countries. In the U.S. and the U.K., for example, between one-third and one-half of women of reproductive age are deficient in one or more micronutrients. In high-income countries, this is likely the result of diets high in processed but micronutrient-poor foods rather than reliance on a single staple as in many lower-income countries.

According to Saskia Osendarp, Executive Director, Micronutrient Forum, "There are very clear solutions. We need to ensure everyone has access to a variety of micronutrient-dense foods, including animal-source foods, dark green leafy vegetables and beans, lentils or peas. Food fortification can help make up the difference when healthy diets are unaffordable or accessible. Health programs can provide supplements to those with extra needs, such as pregnant women and malnourished children."

It might sound simple, but realizing these solutions is not easy because our food systems are not fit for purpose, and increasingly less so. These issues have existed for a long time—and urgently need to be addressed. The issues are now exacerbated by the long-term impact of climate change, the lasting damage to supply chains caused by the pandemic and the war in Ukraine, and the imminent economic downturn, all coming together to create major challenges. 

Many solutions are already available. Accessibility and affordability can be addressed by prioritizing productivity and diversity of a variety of nutritious crops and livestock, developing crops that are more nutritious and drought-resilient ("biofortification"), reducing trade and transportation costs and improving markets. Those in situations of vulnerability often require direct assistance through social protection programmes, such as cash transfers and subsidies for micronutrient-dense foods.

GAIN's Executive Director Lawrence Haddad concluded, "This new paper is a game changer. Hidden hunger is likely to affect nearly half the people on the planet, not a quarter as we had previously and rather complacently assumed. In particular, our failure to nourish the youngest will undermine public health and haunt us socially, economically, environmentally and politically down the generations. All corners of society, led by governments, need to tackle the burden of hidden hunger, via all the channels available. Personally, these findings throw down the gauntlet to GAIN and to all organisations working for a world without malnutrition. We all have to work together and rise to the challenge."

This study was made possible by the generous support of the American people through the United States Agency for International Development (USAID). The contents are the responsibility of Global Alliance for Improved Nutrition (GAIN) and JSI Research & Training Institute, Inc. (JSI), and do not necessarily reflect the views of USAID or the United States government.

-ends-

Contact Information:
Edwin Shankar
Media Relations
[email protected]


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Original Source: New Study Finds 1 in 2 Children and 2 in 3 Women Worldwide Affected by Micronutrient Deficiencies

NEW YORK - October 11, 2022 - (Newswire.com)

iQuanti: Installment loans let you borrow money and pay it back with fixed monthly payments. Many people use these to refinance debt, create emergency funds, make large purchases, and other uses. But when you're borrowing money, there are some pitfalls you must avoid. Making these mistakes can be costly in terms of time, money, and stress. This article will dive into four mistakes you should avoid when looking for personal installment loans so you can find the right loan for your needs.

1. Getting a loan from a scammer

Falling for a personal installment loan scam can cost you a lot of money and even lead to identity theft. Fortunately, there are many ways to identify and avoid scammers. For one, you can see if they're licensed in your state. If they have no website or their license isn't listed, you can contact your state's relevant regulatory department or attorney general to find out for sure.

Additionally, look at the Better Business Bureau. The BBB gives lenders a grade from A+ to F and lets customers leave reviews and complaints. Similarly, look at review sites like TrustPilot. Low ratings with a lot of reviews may signal a scam.

2. Not looking at your credit score

Your credit score plays a large role in getting installment loans from lenders that check credit. Check on your credit score before applying so you know what types of loan terms you may qualify for. To do this, request your annual free copy of your credit report from each credit bureau. While you check over your report, look for errors. If you find any, dispute them to wipe them off the report. This could give you a credit boost to help you get better loans.

3. Not budgeting for repayment

Once you take out that loan, you must be able to make each monthly payment. If you miss or are late on a payment, you may owe late fees and other penalties. You could also suffer credit damage. Stay delinquent for too long, and the lender could sell your debt to collections agencies. This can further harm your score, and you may have to deal with collections calls.

So, you should look at your monthly budget and make sure you have money to repay the loan. If not, you can cut expenses until you have enough or consider a smaller loan or longer-term length to lower the monthly payment.

4. Failing to shop around

Shopping around for multiple offers helps you find a great rate. Different lenders may offer different rates and loan amounts. Plus, some may offer same-day funding, whereas others may only offer next-day funding.

The bottom line

These days, getting a personal installment loan is simpler, thanks to online applications and faster funding. But there are still mistakes to watch out for. Make sure you check your credit score and budget for repayment before starting the process. Once you're ready, shop around for multiple offers. Then, check each lender's legitimacy by looking up their licensing information and checking out the BBB and other review sites. Avoiding these mistakes will help you get the funds you need while minimizing unnecessary stress and expenses.

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 Mistakes to Avoid When Looking for Personal Installment Loans

Randy Foye & Ashley Howard Lead Collective to Maximize NIL Endorsement Opportunities and Help Student-Athletes Grow Their Brands

PHILADELPHIA - October 11, 2022 - (Newswire.com)

Former members of the Villanova Wildcats family and community leaders in the Philadelphia area have partnered with Blueprint Sports, the industry leader in full-service Name, Image, and Likeness (NIL) collectives, to unveil Friends of Nova — the first NIL collective supporting men's basketball student-athletes at Villanova University. As one of the nation's premier basketball programs, the Villanova Wildcats have won the NCAA D-1 National Championships three times, most recently in 2016 and 2018. 

Friends of Nova is spearheaded by Randy Foye and Ashley Howard, two legacy members and well-known figures of the Villanova men's basketball family. Both having deep ties to Villanova University's athletics program, Howard and Foye will serve as co-executive directors of the Friends of Nova collective. Howard previously served as the assistant coach for Villanova University's men's basketball team from 2013 to 2018 under then-Head Coach Jay Wright. Foye played on Villanova University's men's basketball team from 2002 to 2006, before being drafted in the first round of the 2006 NBA Draft and beginning his professional basketball career.

"Playing basketball at Villanova University was the honor of a lifetime and this opportunity to kick off Friends of Nova really means a lot to me," said Foye. "We are thrilled to give back and work hand in hand with supporters, fans, community members and alumni to build something meaningful and open doors to new possibilities for future generations of student-athletes."

Local and national businesses, as well as community supporters, have multiple options to engage with Villanova student-athletes. Friends of Nova builds partnerships between businesses, brands, and student-athletes for marketing opportunities, including online influencer campaigns, local appearances, youth sports coaching, speaking engagements, and more. Additionally, tax-deductible contributions can also be made through the BPS Foundation, a 501(c)(3) partner organization formed to educate, encourage, and assist student-athletes in their efforts to engage with the local community through charitable causes. 

"Friends of Nova will allow us to help provide opportunities for student-athletes to not only capitalize on their name, image and likeness, but connect with their community and learn about financial literacy," said Howard. "I look forward to spearheading this initiative alongside Randy to help support our Wildcat family and help the Villanova community be a part of something bigger."

For more information, visit friendsofnova.com and follow @FriendsofNova on Facebook, Twitter and Instagram. 

Media Contact:
For "Friends of Nova" and Blueprint Sports 
The Ferraro Group
Halley Metcalfe 
(702) 969-9004 / [email protected]  

Contact Information:
Halley Metcalfe
Account Executive
[email protected]
(702) 969-9004


Press Release Service by Newswire.com

Original Source: NBA Legend & Former Villanova Assistant Coach Launch 'Friends of Nova' Name, Image, and Likeness Collective Around Villanova University Student-Athletes