MassMutual Northern California and International Association of Fire Fighters-Financial Corporation Announce Wealth Management Initiative
WALNUT CREEK, Calif. – October 28, 2022 – (Newswire.com)
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JACKSONVILLE, Fla. – …
NEW YORK – October 28, 2022 – (Newswire.com)
iQuanti: When disaster strikes, the last thing you want is to be unprepared, but it is becoming a reality for more and more Americans. With rising costs for materials and labor, you may be shocked to find you can’t afford your next car repair bill.
In those situations, it’s important to have backup options for funds so that the necessary expenses are covered. Next time you’re in a pinch, consider these choices for upcoming or surprise car repair and maintenance.
Get a personal line of credit
In a pinch, a line of credit can be extremely helpful. Extremely similar to credit cards, a person is able to access up to a pre-determined amount of funds within a credit limit. You’ll only want to take what you need as, just like a credit card, you’ll owe interest on the amount you’ve borrowed. While there is flexibility to pay back the funds, it’s important to be wary of how interest can accrue the longer the balance is outstanding.
Borrow from family and friends
One of the easiest and least complicated methods to obtain money in a pinch is to ask for help from loved ones. Sure, not everyone has the luxury of accessing money from family and friends or necessarily wants to, but if you can, it may provide a more flexible method of repayment.
Plus, you can skip the fees and only borrow and repay the amount that you’ve borrowed. But if money is a sensitive subject in your family or social circle, it may be smart to avoid this method unless absolutely necessary when no alternatives are available.
Get an installment loan
Installment loans come in handy when you need a manageable repayment schedule with stable interest. With these loans, you can receive a lump sum of money all at once. Then, you’ll pay it back over time in fixed monthly payments, or installments. Repayment terms can last from a few months to several years. The benefit of these is that you’ll have all the information you need to properly repay the loan from the beginning.
Use a credit card
Credit cards are a huge tool for unexpected expenses, so long as you have one in place prior to the expense. Something important to note with a credit card is that there is usually a credit limit that maxes out the amount you can spend.
For new credit borrowers, that amount could be minuscule, such as $1,000 or less, especially in the case of secured cards. On the other hand, seasoned borrowers or those with favorable borrowing characteristics may be able to access tens of thousands in credit. For high expenses like home repair or unexpected medical bills, this can help keep you afloat.
The bottom line
Car repairs, like any emergency expense, can provide unnecessary financial stress on top of the burden this life event causes. In order to be prepared, you’ll want to make sure you have access to cash or have the means to get more funds, whether it be a loan or other option.
Contact Information:
Keyonda Goosby
Public Relations Specialist
(201) 633-2125
Carolina Darbelles
Senior Public Relations Specialist
(201) 633-2125
Press Release Service
by
Newswire.com
Original Source:
What to Do if You Can’t Afford Your Car Repair Bill
SADD and State Farm® Team Up to Raise Awareness on Seat Belt Safety
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These salon suites are perfect for any hair stylist, makeup artist, or esthetician looking for a prime location to start their business.
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NAPLES, Fla. – October 28, 2022 – (Newswire.com)
Elise Ramer, APR, CPRC, was recently appointed to the position of vice president of media relations for Premier Sotheby’s International Realty. In her new role, Ramer’s responsibilities are expanding to include a more visible role in obtaining high-visibility listings, recruitment, and retention efforts for the real estate company.
She has served as the company’s senior director of public relations for the last five years. Most recently, she was named one of 2022’s Top Women in PR by PRNews Magazine as an Industry Innovator.
Ramer, an award-winning public relations professional, joined Premier Sotheby’s International Realty in 2017. She directs and manages the public relations department for the brokerage’s 40+ locations and more than 1,400 associates throughout Florida and North Carolina. Her career spans nearly two decades of experience including luxury brands, residential and commercial real estate, and consumer products. Ramer serves on both the executive committee and the state board for the Florida Public Relations Association and currently advises the organization’s college chapters statewide. She holds a Bachelor of Arts from Florida State University and MBA from Webster University. Ramer received her APR (Accreditation in Public Relations) credentials in 2019 and CPRC (Certified Public Relations Counselor) in 2020.
“I am proud to congratulate Elise on this well-deserved accolade, which showcases her talent for creating innovative public relations initiatives. Her strong work ethic, unwavering commitment, and countless contributions make her a valuable asset to our leadership team,” said Kathy Forrester, chief marketing officer, Premier Sotheby’s International Realty.
About Premier Sotheby’s International Realty
Headquartered in Naples, Florida, Premier Sotheby’s International Realty has over 1,400 sales professionals in 40 locations throughout Florida and North Carolina. Premier Sotheby’s International Realty also benefits from an association with the storied Sotheby’s auction house, established in 1744. The brokerage was founded by The Lutgert Companies, a prominent member of Southwest Florida’s business community since 1964, and is a proud Peerage Realty Partner. For more information, visit premiersothebysrealty.com.
Contact Information:
Elise Ramer
Vice President, Media Relations
941.587.0257
Press Release Service
by
Newswire.com
Original Source:
Elise Ramer Appointed Vice President of Media Relations for Premier Sotheby’s International Realty
What is the difference between Full Spectrum and CBD Isolate Tinctures?
Stirling CBD Oils
CARY, N.C. – …
NEW YORK – October 28, 2022 – (Newswire.com)
iQuanti: If you’re like many people, you may have dreamed of retirement as a time when you can finally relax and enjoy your golden years. But the reality is that retirement can be a stressful time, especially if you’re short on cash. Don’t despair! There are plenty of things you can do to make ends meet, even if you’re on a tight budget. Here are a few ideas to get you started:
1. Cut back on unnecessary expenses
One of the easiest ways to save money in retirement is to take a close look at your spending and cut back on unnecessary expenses. Do you really need that fancy coffee every day? Could you travel or eat out less often? Even small changes can make a big difference in your retirement budget.
2. Sell some of your stuff
Chances are, you may have a lot of stuff that you don’t really need. Why not sell some of it to free up some extra cash? You can have a garage sale, sell items online, or even donate them to a thrift store.
3. Get a part-time job
Retirement doesn’t mean you have to stop working altogether. If you need some extra money, consider getting a part-time job in retirement. There are plenty of jobs that are perfect for retirees, such as teaching, consulting, or working in a retail setting.
4. Make some home improvements
Making some simple home improvements can also help you save money in retirement. For example, you could weatherize your home to make it more energy-efficient. Or, you could install solar panels to reduce your electricity bills.
5. Get an unsecured line of credit
An unsecured line of credit can be a great way for retirees to get extra cash when they need it. You can use the money for anything you need, and you don’t have to put up any collateral. Better yet, you can pay this loan back all at once or over time, and you’ll only pay interest on the amount you borrow.
6. Downsize your home
If you’re finding that your current home is too expensive to maintain, downsizing to a smaller home can be a great way to save money in retirement. Not only will you have lower monthly expenses, but you’ll also have less stuff to take care of.
7. Live in a retirement community
Moving into a retirement community can be a great way to cut down on your living expenses. Retirement communities typically include amenities like meals, transportation, and activities, which can help you save money.
The bottom line
No matter what your retirement budget is, there are plenty of ways to make ends meet. By cutting back on unnecessary expenses, selling some of your stuff, and getting a part-time job, you can free up some extra cash. An unsecured line of credit can give you flexible access to funds so you can cover the expenses you need. And if you’re really struggling, downsizing your home or moving into a retirement community can be a great way to save money in the long run.
Contact Information:
Keyonda Goosby
Public Relations Specialist
(201) 633-2125
Carolina Darbelles
Senior Public Relations Specialist
(201) 633-2125
Press Release Service
by
Newswire.com
Original Source:
What to Do if You’re Short on Cash in Your Retirement