Dr Mike Digrado

One of Southern California's best decompression and laser treatment professionals, Dr. Mike Digrado of Newport Center Family Chiropractic is excited about the launch of his new website, designed and managed by chiropractic marketing experts at MyChiroPractice.

Dr. Digrado's patients primarily seek out his care to benefit from his advanced decompression and laser treatments, as well as his expertise and passion in treating sciatica, herniated discs, back pain, neck pain, and mobility issues. Dr. Mike Digrado loves helping patients and solving problems - he initially joined the chiropractic profession after his own healing experience with chiropractic following a car accident in 1994.

Dr. Mike Digrado has over 20 years of experience, focusing on sciatica pain, bulging and herniated discs, severe low back pain, and neck pain. To produce transformational results for his patients, Dr. Digrado utilizes advanced technologies including state of the art decompression tables, deep tissue laser therapy, and the Sigma Ultralign Computerized Adjusting Tool.

Spinal Decompression slowly relaxes and stretches the spine, removing the downward forces of gravity and creating a vacuum that allows oxygen and nutrients to flow back into the disks and begin the healing process. Patients simply lie down on the state of the art Non Surgical Spinal Decompression Therapy for 20 minutes per session. This FDA-cleared procedure is gentle and comfortable — with minimal risks and minimal side effects. Dr. Digrado has performed it many times in his office and has had tremendous success treating all types of disc damage.

Laser Therapy is an innovative treatment that helps offer pain relief through a process known as photo-bio stimulation. This type of treatment delivers deep penetrating photonic (light) energy to bring about physiological changes. During treatment, ATP (Adenosine-triphosphate) production is increased, inflammation and pain may be reduced, and circulation is increased at the site of pain.

Dr. Digrado invites the Newport Beach and Orange County community to check out his new website, and take advantage of his 20+ years of experience and passion in treating sciatica, herniated disc, and back / neck pain through decompression therapy, laser therapy, and/or a computerized adjustment tool.

For Information, please contact:
Dr Mike Digrado, DC
949-640-1470
[email protected]

Seattle Nanny Network, Inc. launches National Nanny Network - allowing for placements of best-in-class, in-home childcare providers nationwide. The company was recently named a finalist in the prestigious multi-state Better Business Bureau Torch Awards for Ethics in Business and has been assisting local families for over two decades.  

"This wouldn't be possible without the phenomenal providers we have the privilege to represent every day. Without them, we wouldn't be relevant," founder Emily Dills said. "The pandemic has challenged parents and childcare on so many levels. The providers who do this work are essential, and the realization that we could take the terrific work we do locally and offer that to families nationwide is pretty exciting."

Seattlenanny.com has been in business since the 1990s. They lead the industry with best practices framework and credit their success to an ability to organically attract applicants based on a reputation for lifting the work through local, state, and federal advocacy. The company was instrumental in creating city-wide "return to work safely" procedures in the midst of the pandemic. They are often called upon as an expert to provide industry commentary. Nationalnanny.com offers the same service that Seattle area families have relied on for decades, making it available to a wider audience.

Maria Zamora, a 15-year veteran nanny who was placed by the firm in 2020, says she is grateful to them for "guiding me and mediating as an HR team" with her employer. This level of support is critical to work that takes place in isolation, inside private homes, in a largely unregulated industry. 

National Nanny Network partners with experts across the workplace safety, employee screening, and domestic payroll spaces to provide cutting-edge resources to their clients and job applicants. They also offer educational and mental health resources during a time when the industry is experiencing a major shift due to demand for an often overlooked and undervalued workforce. 

Contact [email protected] 425-803-9511

Maybe you know what it means to co-sign a loan. Perhaps you're unfamiliar with the concept. If you know what co-signing means, you might sometimes think it's appropriate to do that for a family member or friend. 

However, before you start looking into the best personal loans with co-signers, you should think about the risks that go along with this course of action. We'll talk about those right now.

What Does Co-Signing Mean?

If you co-sign for a loan, along with someone else, you have a binding legal obligation to repay that loan in full.  

As a co-signer, you agree to pay back the loan's entire amount if the person with whom you co-signed cannot do it. If they miss any payments, the lending entity will immediately turn to you and expect you to cover the money they are due.

Now, let's go over why you might think twice before becoming a loan's co-signer.

1. You're Legally Liable for Missed Payments

We already mentioned the first and most crucial reason why co-signing for a loan can backfire. If the individual you co-signed the loan with can't cover the agreed-upon monthly payments for any reason, you'll have to come up with that money yourself.

If you don't have ready funds to cover those payments, this situation can throw your life into turmoil. In the worst circumstances, you might have to move out of your house, sell your car, or do whatever else is necessary to produce the money. 

2. You Can Ruin Your Credit History

You also risk a plummeting credit score if you co-sign for a loan and the other individual who took out the loan can't make the payments. If you have the cash to cover those payments, your credit score will not be harmed. If you don't have the money, though, your score can take a significant hit.

3. You Risk Debt Collector Harassment

If you co-sign for a loan, and the person with whom you got it can't make the payments, the lending entity will turn to you for that money. If you can't pay it promptly, they can turn the matter over to debt collectors.

You probably won't like the experience of having debt collectors calling and emailing you incessantly until you can get the lending entity their money. The lender can even step up the legal action by suing you and garnishing your wages if you take too long to rectify the situation.

Consider Before Co-Signing for a Loan

Certain situations might arise when you'll want to co-sign a loan, most likely for a family member or close friend. Think carefully before you do, though.

If the individual you co-signed the loan with can't make the payments, you might get harassed by debt collectors until you produce that cash and give it to the lending entity. If you can't get the lender that money quickly, that will negatively impact your credit score as well.

You'll also have to undertake the responsibility of paying the lending entity whatever amount of money the other co-signer doesn't have. Doing so can make your life difficult if you must dip into your savings, if you're on a fixed income, or in similar situations.

Before you co-sign for a loan, make sure you trust the person with whom you're co-signing. Understand that you're on the hook for any missed payments if their fortunes change. 

In recent years, there has been a lot of talk about how inflation is impacting different age groups. Some people believe that Millennials are hit the hardest by inflation, due to the rising cost of living and student loan debt. Quick personal loans make it difficult to save money, and the cost of key items like housing and healthcare continues to increase. 

Millennials are definitely being hit hard though. Consumer prices, according to the U.S. Bureau of Labor Statistics Consumer Price Index (CPI), are up 9.1% since July 2021. That includes a 10.4% increase in food prices and a 59.9% increase in the price of a gallon of gasoline. 

Financial Stress is More Intense for Millennials

People in their 20s and 30s are building careers, establishing long-term relationships, and buying houses. The cost of doing those things was already high. In 2022, it's reached another level. Just putting gas in the car to go to work every day is a challenge. Younger millennials struggle more. They're still building their career path, so salaries are lower. 

The housing market is also a concern. The American Dream of owning your own home is getting more unattainable for millennials as home values increase and inventory is still limited. Meanwhile, the Fed is raising interest rates to "curb" inflation, making it even more difficult to afford a new home. This eliminates a major wealth-building option for this generation. 

Vacations are Becoming Less Affordable

Most people take a vacation when they're stressed out. Unfortunately, rising prices have made that almost impossible for some folks, particularly those early in their careers making less money. Who can afford to gas up the car and go on a road trip? Airfare used to be cheap, but planes use gas too. Airfare is up 25% since last year.

Even staycations are more expensive. Energy services (natural gas and electricity) are up 19.4% and it costs 12.2% more to eat at home this year. Sitting in front of the TV, blasting the air conditioner, and munching on refrigerator food sounds great. Paying for it won't relieve any financial stress. It's almost cheaper to go to work. Take-out food only went up 7.7%.

Shortages are Part of the "New Normal" 

Baby boomers remember gas lines and recessions. Millennials got to see the longest bull market in history unfold during their entire adult lives. That was before the 2020 pandemic. This year, we're seeing supply line disruptions, slow economic recovery, and global conflict. Many have called the post-pandemic years the "new normal." Shortages are part of it.

Some of those shortages are internal because people simply can't afford what they could in the past. In some cases, items we once bought at the market are no longer in stock or are on backorder. The supermarket shelves have empty spaces on them. That's a new experience for millennials. Hopefully, we'll see that turnaround soon.