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iQuanti: Despite the best intentions to properly manage our finances, our efforts sometimes get derailed by unplanned bills and mounting debt. Fortunately, there are options when it comes to addressing money problems, like taking out a personal loan or borrowing from loved ones. In this post, we’ll give you five strategies you can consider using to help you get out of financial trouble and back on the right track.
1. Take out a personal loan
If your money issues are due to an unexpected expense like a large medical bill or home repair, consider taking out a personal loan.
Personal loans are commonly used for a variety of purposes, including the financing of major purchases, or paying off high-interest debt. In most cases, this will be a better option than putting the expense on a credit card because a personal loan can often have a lower interest rate for a qualified applicant.
A personal loan can often be a secured loan. This means that something of value like your home or vehicle must be pledged as collateral to secure the financing. Keep in mind that defaulting on a secured loan could lead to forfeiture of the asset.
2. Leverage the equity of your home
If you’ve owned your home for several years, you might be able to use the equity you’ve built to help you get the funding you need with a home equity loan.
Equity refers to the value of the home that you, as the homeowner, would be entitled to if it were sold. For instance, someone who owes $100,000 on a home valued at $250,000 would have equity of $150,000.
A loan using the equity of a home can take one of two forms. The homeowner can either get a home equity loan and borrow a lump sum amount or use a home equity line of credit, typically known as a HELOC. A HELOC grants the homeowner access to a revolving line of credit until the principal must be repaid, which can be for a period ranging from five to 10 years, and the borrower only needs to pay the interest charges during each periodic billing cycle.
Keep in mind that as with a secured personal loan, defaulting on a home equity loan could lead to forfeiture of the asset.
3. Borrow from family or friends
You may want to consider asking family or friends for financial assistance if you cannot get a loan from a bank or other lender.
If you take this route, it’s in everyone’s best interest to be sure the terms of the loan are put in writing. Even though these are people who care about you, and you care about them, no one will want to get into any disagreements about the loan and then have it negatively affect the relationship.
4. Prepare for the next time
If you’re experiencing financial trouble right now, there’s no reason not to be proactive to prevent more damage. Preemptive damage control can be accomplished through a variety of simple steps:
The Bottom Line
There are many resources you can turn to for help if you encounter financial troubles. Personal loans, a home equity-based loan, or assistance from loved ones may be able to help you to meet your debt obligations. If the problem is more serious, you should consider reaching out for professional guidance.
Contact Information:
Keyonda Goosby
Public Relations Specialist
(201) 633-2125
Original Source:
How to Get Help When You’re in Financial Trouble
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Companies on the 2023 Inc. 5000 Regionals: Pacific list had an average growth rate of 559 percent
LOOMIS, Calif., March 3, 2023 (Newswire.com)
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Inc. Magazine revealed on Tuesday that Ticket Chocolate is No. 150 on its third annual Inc. 5000 Regionals: Pacific list, the most prestigious ranking of the fastest-growing Pacific private companies, based in the Pacific region. Born of the annual Inc. 5000 franchise, this regional list represents a unique look at the most successful private companies within the Pacific economy generating sustainable growth and jobs.
“This is a huge milestone for Ticket Chocolate,” says Tyler Geertsen, Owner/CEO of Ticket Chocolate. “I am so grateful to our amazing team members who come in every day to work hard and create amazing experiences for our customers. Our growth and continued support from our shop owners are a testament to their hard work. We love what we create every day and I’m excited for what we are creating for the future.”
The companies on this list show a remarkable rate of growth across all industries in the Pacific. Between 2019 and 2021, these 185 private companies had an average growth rate of 559 percent and, in 2021 alone, they added 14,536 jobs and $4.6 billion to the Pacific region’s economy. Ticket Chocolate continues to create jobs and economic prosperity in the Loomis, CA community.
Complete results of the Inc. 5000 Regionals: Pacific, including company profiles and an interactive database that can be sorted by industry, metro area, and other criteria, can be found at inc.com/pacific.
About Ticket Chocolate
Ticket Chocolate was founded in 2010 to introduce the now-famous Hot Chocolate on a Stick to the US market. The gourmet chocolate manufacturer now produces a wide range of delicious confections, from artisan chocolate bars to s’mores kits, from truffles to marshmallows, available direct-to-consumer and wholesale nationwide. Their products have also increased in popularity with corporations as part of their corporate gifting packages.
At Ticket Chocolate, we believe that life’s best moments are often the simplest, which is the approach we take with our chocolate. We use only the finest couverture chocolate and other ingredients, carefully handcrafting every one of our chocolates in our Loomis, California kitchen to create chocolate that’s worth lingering over. It’s the perfect treat for late-night visits with old friends, overdue romantic moments, and quiet mornings all to yourself. From our hot chocolate sticks to our creamy marshmallows, our products remind busy people to take time for the pleasure of small things.
Our name. Like a great trip, we want our chocolate to be a part of moments to remember. We want to create chocolate and sweets that send you…
Ticket Chocolate is the result of years of dreaming and many late-night conversations (while lingering over steaming mugs of delicious hot chocolate, of course!) …why not come along for the ride?
Visit Ticket Chocolate at www.ticketchocolate.com
Contact Information:
Ryan Geertsen
Marketing Director
253-683-0059
Original Source:
Boutique Gourmet Chocolate Brand Ticket Chocolate Ranks No. 150 on Inc. Magazine’s List of the Pacific Region’s Fastest-Growing Private Companies
