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Credello: How to Finance a Summer Vacation in 2023

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NEW YORK (Newswire.com) – Credello: As summer approaches, many of us are eagerly planning our dream vacations. However, financing a summer vacation can be a challenge for some. Let’s explore smart strategies to help you fund your summer getaway in 2023 without negatively impacting your credit score. We will also discuss specific factors that do not affect your credit, ensuring you make informed decisions along the way.

Create a vacation budget

Before diving into financing options, it’s essential to establish a realistic budget for your summer vacation. Consider expenses such as accommodation, transportation, meals, activities, and souvenirs. By having a clear understanding of your financial boundaries, you can make better decisions when it comes to funding your trip.

Save money in advance

One of the most effective ways to finance a summer vacation is to save well in advance. Set aside a portion of your monthly income specifically for your vacation fund. Consider automating your savings through autopay, directing a set amount of money from your paycheck into a separate savings account. This ensures consistent progress without relying on willpower alone.

Take advantage of travel rewards programs

If you have a credit card that offers travel rewards, now is the perfect time to utilize them. Research credit cards that provide travel-related perks, such as airline miles or hotel points, and choose one that aligns with your vacation plans. Be sure to pay off your balance in full each month to avoid accruing interest and maintain a healthy credit score.

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Explore peer-to-peer lending

Peer-to-peer lending platforms offer an alternative financing option for your summer vacation. These platforms connect borrowers directly with lenders, cutting out traditional financial institutions. While interest rates and terms vary, peer-to-peer lending can provide quick access to funds without impacting your credit score. Remember to compare rates and read reviews to ensure you choose a reputable platform.

Consider a personal loan

If you prefer a more traditional lending option, a personal loan can be viable for financing your summer vacation. Personal loans typically have fixed interest rates and set repayment terms, making budgeting easier. However, it’s important to borrow responsibly and only take on what you can comfortably repay. While personal loans can affect your credit score, managing them responsibly can have a positive long-term impact.

Utilize vacation layaway programs

Many travel agencies and vacation providers now offer layaway programs, allowing you to pay for your trip in installments over time. This option can be particularly useful if you prefer to avoid interest charges or are hesitant about taking on new debt. Ensure you thoroughly understand the terms and conditions of the program, including cancellation policies, before committing.

Factors that do not affect your credit score

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It’s crucial to understand what factors have no impact on your credit score to make informed financial decisions. For example, autopay won’t negatively affect your credit score. In fact, setting up autopay for your bills can help ensure timely payments and improve your credit score. Additionally, income, employment history, and assets do not directly influence your credit score, although lenders may consider them during the loan application process.

Bottom line

Financing a summer vacation in 2023 doesn’t have to be daunting. Remember to choose options that align with your financial situation and goals, and always prioritize making timely payments to maintain or improve your credit score. 

About Credello

Credello is a financial tech company offering a personal finance tool that simplifies financial decisions through personalized, on-demand recommendations — so users can borrow, save, or invest with confidence. Credello believes that finding the right financial product should be as easy and interactive as online shopping, and we are on a mission to make that possible. For more information, please visit https://www.credello.com

Source: Credello

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Lifestyle

Uber Eats Partners with Spirit Halloween Across North America

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Uber apps add Spirit Halloween for on-demand delivery of holiday costumes and seasonal decor across the United States and Canada.

SAN FRANCISCO, Sept. 27 2024 /PRNewswire/ — Today, Uber Technologies (NYSE: UBER) announced a new partnership with Spirit Halloween, North America’s largest Halloween retailer, to further its mission of helping consumers get anything* delivered on-demand. Halloween fans across the United States and Canada can now shop Spirit Halloween on Uber Eats, Postmates and the Uber app for all of their Halloween needs.

Spirit Halloween

In 2024 Spirit Halloween is opening a record-breaking 1,525 locations, offering a variety of costumes and accessories for the whole family, along with exclusive décor and animatronics items. The Spirit Halloween catalog will be available to shop on Uber at the same prices consumers will find in-store. As always, Uber One members will benefit from $0 Delivery Fee and 5% discount on all Spirit Halloween orders with a $35 minimum purchase. And all consumers will benefit from up to 40% off their next Spirit Halloween order of $50 or more through Halloween† †. Terms apply. See app for details.

Uber Eats x Spirit Halloween

“The holiday season officially kicks off this time of year, and households across the country are looking to on-demand delivery to get what’s needed—now,” said Beryl Sanders, Director of US Grocery & Retail partnerships at Uber. “That’s one of the reasons we’re most excited to bring Spirit Halloween to Uber Eats and our other Uber apps to make costumes and other Halloween must-haves a cinch. As a working mom I know how crucial that last minute face paint or mask can be on the morning of the school parade or the hour before trick-or-treating starts, and I’m thrilled we’ll be able to meet that demand at Uber.”

Spirit Halloween joins a growing number of retailers including Big Lots, Lowe’s, Michael’s, Party City and more who use Uber’s apps to reach new customers—furthering the Uber Eats mission to help consumers get (almost!) anything* delivered on-demand. In the U.S. and around the world, Uber is uniquely poised to meet consumers’ growing desire to save time and get more of what they need delivered on-demand within hours—if not minutes—rather than days. 

*Not literally anything. Item availability varies by market.
Taxes and fees may still apply. See app for membership details.
† † Promo expires on (2024-10-31) 11:59PM PDT. Promo valid for 40% off (up to $35) orders of $50 or more (before taxes and fees) from Spirit Halloween. Discount available on your next order only. Valid only for those who received it directly from Uber. Taxes and fees still apply. Offer may not be combined with other offers (except for applicable Uber One member promos). Terms are subject to change. Pickup orders excluded. Other exclusions may apply. See app for details.

About Uber  
Uber’s mission is to create opportunity through movement. We started in 2010 to solve a simple problem: how do you get access to a ride at the touch of a button? More than 52 billion trips later, we’re building products to get people closer to where they want to be. By changing how people, food, and things move through cities, Uber is a platform that opens up the world to new possibilities.

https://prnmedia.prnewswire.com/news-releases/uber-eats-partners-with-spirit-halloween-across-north-america-302259007.html

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SOURCE Uber

Our Lifestyle section on STM Daily News is a hub of inspiration and practical information, offering a range of articles that touch on various aspects of daily life. From tips on family finances to guides for maintaining health and wellness, we strive to empower our readers with knowledge and resources to enhance their lifestyles. Whether you’re seeking outdoor activity ideas, fashion trends, or travel recommendations, our lifestyle section has got you covered. Visit us today at https://stmdailynews.com/category/lifestyle/ and embark on a journey of discovery and self-improvement.


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podcasts

Does magic really exist? The Conversation’s Curious Kids podcast

Julia, a curious seven-year-old, wonders if scientific explanations will diminish the magic of phenomena like rainbows and Northern Lights, explored in The Conversation’s Curious Kids podcast.

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aurora borealis
Photo by Visit Greenland on Pexels.com

Eloise Stevens, The Conversation

Seven-year-old Julia in London thinks that rainbows and the Northern Lights are magical. But if a scientist tells her how they work, will she still believe they are? Join us to find out on The Conversation’s Curious Kids podcast!

Featuring Partha Chowdhury, professor of physics at UMass Lowell in the US.

This is the last episode in the first season of The Conversation’s Curious Kids podcast, published in partnership with FunKids, the UK’s children’s radio station. It’s hosted and produced by Eloise. The executive producer is Gemma Ware.

Email your question to curiouskids@theconversation.com or record it and send your question to us directly at funkidslive.com/curious.

And explore more articles from our Curious Kids series on The Conversation.

Disclosure statement:

Partha Chowdhury does not work for, consult, own shares in or receive funding from any company or organisation that would benefit from this article, and has disclosed no relevant affiliations beyond their academic appointment.

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Eloise Stevens, Host, The Conversation’s Curious Kids podcast, The Conversation

This article is republished from The Conversation under a Creative Commons license. Read the original article.

The science section of our news blog STM Daily News provides readers with captivating and up-to-date information on the latest scientific discoveries, breakthroughs, and innovations across various fields. We offer engaging and accessible content, ensuring that readers with different levels of scientific knowledge can stay informed. Whether it’s exploring advancements in medicine, astronomy, technology, or environmental sciences, our science section strives to shed light on the intriguing world of scientific exploration and its profound impact on our daily lives. From thought-provoking articles to informative interviews with experts in the field, STM Daily News Science offers a harmonious blend of factual reporting, analysis, and exploration, making it a go-to source for science enthusiasts and curious minds alike. https://stmdailynews.com/category/science/

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Consumer Corner

PMI to Introduce Booksy: New Patented Collectible Toys That Spark a Love for Reading & Play

PMI Kids World launches ‘Booksy’ this fall, collectible toys featuring miniature books from Monster Tales, PAW Patrol, and Teenage Mutant Ninja Turtles to inspire reading.

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This fall, families can collect toys with tiny books inside, featuring characters from Paramount’s PAW PatrolTales of the Teenage Mutant Ninja Turtles, and PMI’s very own Monster Tales!

Booksy’ collectible toy line

TEL AVIV, Israel, Sept. 11, 2024 /PRNewswire/ – Uniting the exciting world of toys with the imaginative world of books is the brand new patented and trademarked ‘Booksy’ collectible toy line by renowned global toy company, PMI Kids World. In an era where screens dominate, this collectible toy line offers children and families a unique way to foster a love for play and reading. Featuring tiny books cleverly housed inside unique collectible figures, Booksy engages children in the tactile and imaginative experience of play and reading, one Booksy at a time. The line will launch in October with PMI’s original Monster Tales at Amazon, followed by an expansion in November with licensed character versions from the hugely popular worlds of PAW Patrol, produced by Spin Master Entertainment and airing on Nickelodeon, and Paramount+ original series Tales of the Teenage Mutant Ninja Turtles, at Walmart.

Booksy
Booksy (CNW Group/PMI Kid’s World)

Designed, written, and illustrated for children and families, Booksy collectible figures are the perfect steppingstone to nurturing children’s literacy through the excitement of collecting both books and appealing figures. The core Booksy collection, titled Monster Tales, introduces a series of original characters, stories, and a special Monster Tales bookcase for young readers to place and display their growing mini book collections. Characters from mega popular franchises, such as Chase and Skye, pups from PAW Patrol, and Raphael and Michelangelo from Tales of the Teenage Mutant Ninja Turtles, will also bring familiar faces to the world of Booksy, making reading even more exciting for young fans of the beloved franchises.

Patented and trademarked, the Booksy toy line and the Monster Tales brand are PMI’s very own intellectual properties that introduces an innovative story-focused product variety featuring the talents of Christian Tremblay, branding specialist and a titan of the family entertainment industry with over 30 years of experience.

“As a parent and lifelong reader, I understand the importance of encouraging children to discover a love for reading and play that truly ignites their imaginations,” says Omer Dekel, CEO at PMI Kids’ World. “Booksy is particularly special to me because it’s an IP we’ve developed in-house and patented, blending the excitement of toys with the educational value of relatable life lessons and adventures in collectible books. I’m incredibly excited to see how Booksy will inspire and nurture the next generation.”

In October 2024, the Booksy Monster Tales Six Pack, featuring Monster Tales Dome figures, will launch on Amazon in the USA. This collection offers six unique characters for children aged 3-8 to collect. Additionally, the Booksy Monster Tales Bookshelf Collector Set, including a Monster Tales Booksy figure and a Collector’s Bookshelf, will also be available on Amazon. The first licensed version will be launched November 2024, introducing Booksy One Pack PAW Patrol and Tales of the Teenage Mutant Ninja Turtles Dome figures at Walmart, and offering 12 beloved characters for young fans. Globally, the Booksy Monster Tales toy line is set for a Fall 2024 release, with key markets including the United States, United Kingdom (exclusively distributed by Character Options), France (exclusively distributed by Bandai France), the Middle East (exclusively distributed by iBrands), Canada (exclusively distributed by Red Planet), and more. The Booksy PAW Patrol and Tales of the Teenage Mutant Ninja Turtles toy lines will be sold exclusively at 3,000 Walmart stores across the USA.

Renowned for turning trending IPs into must-have toys, PMI Kids World is excited to introduce their very own brand and line of Booksy toys, right in time for the holidays.

About PMI Kids World
Established in 1995, PMI Kids World is a leading gaming-sector toy manufacturer focused on licensing consumer products in over 170 countries. PMI Kids World gives licensed intellectual properties (IPs) a vibrant existence by creating high-quality, innovative, affordable toys and collectibles. We’re here to bring the mega children’s brands and the coolest lines to kids worldwide. Our lineup includes esteemed names like Sonic Prime, Pudgy Penguins, Brawl Stars, and many others. Rooted in our purpose is the aspiration to ensure that every child can partake in the delight of play, irrespective of their circumstances.

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For more information on PMI Kids’ World, follow PMI on:

About Booksy
Patented and trademarked by PMI Kids World, Booksy is the global toy company’s newest innovation in collectible toys and storytelling. Launching with PMI’s very own Monster Tales IP in October 2024, each Booksy character figure houses a miniature, full-colored storybook that empowers kids’ imagination by merging engaging play patterns with storytelling. Following Monster Tales, Booksy will also release versions based on popular kids licenses such as PAW Patrol and Teenage Mutant Ninja Turtles in November 2024. Designed for boys and girls ages 3 to 8, each story introduces kid-relatable life lessons that children, families, and teachers will love and enjoy.

About Paramount Consumer Products

Paramount Consumer Products oversees all licensing and merchandising for Paramount (Nasdaq: PARA, PARAA), a leading global media and entertainment company that creates premium content and experiences for audiences worldwide. Driven by a diverse slate of consumer brands, Paramount Consumer Products’ portfolio is based on content from platforms including Paramount+, CBS (including CBS Television Studios and CBS Television Distribution), cable networks (including MTV, Nickelodeon and Showtime), and Paramount Pictures. Additionally, the division operates Paramount Game Studios. With properties spanning animation, live-action, preschool, youth and adult, Paramount Consumer Products is committed to creating the highest quality product for some of the world’s most beloved, iconic franchises. To view our range of consumer products and Paramount branded apparel, visit ParamountShop.com.

SOURCE PMI Kid’s World

Looking for an entertainment experience that transcends the ordinary? Look no further than STM Daily News Blog’s vibrant Entertainment section. Immerse yourself in the captivating world of indie films, streaming and podcasts, movie reviews, music, expos, venues, and theme and amusement parks.

Discover hidden cinematic gems, binge-worthy series and addictive podcasts, gain insights into the latest releases with our movie reviews, explore the latest trends in music, dive into the vibrant atmosphere of expos, and embark on thrilling adventures in breathtaking venues and theme parks.

Join us at Looking for an entertainment experience that transcends the ordinary? Look no further than STM Daily News Blog’s vibrant Entertainment section. Immerse yourself in the captivating world of indie films, streaming and podcasts, movie reviews, music, expos, venues, and theme and amusement parks.

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Discover hidden cinematic gems, binge-worthy series and addictive podcasts, gain insights into the latest releases with our movie reviews, explore the latest trends in music, dive into the vibrant atmosphere of expos, and embark on thrilling adventures in breathtaking venues and theme parks. Join us at our Entertainment Section and let your entertainment journey begin! https://stmdailynews.com/category/entertainment/

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