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Tommy Smith of All Year Cooling Offers Expert Tips on Finding the Best Financing Options for Plumbing Works

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Florida, US, 4th June 2024, ZEX PR WIRE, As a leading expert in home comfort solutions, Tommy Smith of All Year Cooling understands the financial challenges homeowners face regarding necessary plumbing work. With over 50 years of service and having catered to more than 350,000 customers, All Year Cooling is committed to providing top-notch air conditioning services and practical financial advice for plumbing needs. Here, Tommy Smith shares his top tips on how to find the best financing options for plumbing projects.

One of the most critical steps in securing financing for plumbing work, Tommy Smith says, is to check your credit score. Your credit score, he states, plays a significant role in determining the interest rates and terms of any loan you may qualify for. Smith recommends obtaining a copy of your credit report from all three major credit bureaus – Equifax, Experian, and TransUnion. Reviewing your credit report, he says, allows you to identify and address any discrepancies or areas for improvement, which can enhance your chances of securing favorable financing terms.

Evaluating your budget is another essential step before committing to any financing plan. Tommy Smith advises homeowners to look closely at their monthly income and expenses to determine how much they can afford to borrow without straining their finances. It’s crucial to factor in the cost of the plumbing work and any potential interest payments. By understanding your budget, Smith says, you can choose a financing option that fits comfortably within your financial means.

Gathering necessary documents, Smith says, is also critical to a smooth financing process. He notes that lenders typically require various documents to assess your financial stability and ability to repay the loan. Smith suggests preparing documents such as proof of income, bank statements, tax returns, and any existing debt information. Having these documents ready in advance, he says, can expedite the application process and improve your chances of approval.

Recognizing that not everyone may qualify for traditional bank financing, Smith says All Year Cooling offers a unique solution. “We offer various finance plans because, in today’s economy, not everyone can get approved by the banks for various financing plans,” says Tommy Smith. “That’s why All Year Cooling offers extra assistance to our customers. If you don’t get approved by the bank, we will offer our internal financing with no minimum credit score required. Give us a call today to learn more about our many financing options! Smith adds that the company can assemble something for those needing special financing. 

This approach ensures homeowners who might face difficulties securing bank financing still have access to the essential plumbing services they need. All Year Cooling’s internal financing options are designed to be flexible and accommodating, providing peace of mind and financial support to those who need it most.

All Year Cooling has been a trusted name in South Florida for over five decades, offering comprehensive air conditioning services, including repair, maintenance, and installation. Their commitment to customer satisfaction extends beyond HVAC solutions, including practical financial assistance, ensuring every home remains comfortable and functional.

With a team of highly trained specialists and a dedication to excellence, All Year Cooling continues to lead the industry in both service quality and customer care. Tommy Smith’s expert advice on financing options reflects the company’s broader mission to support homeowners in every aspect of home comfort and maintenance.

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Disclaimer: The views, suggestions, and opinions expressed here are the sole responsibility of the experts. No Digi Observer journalist was involved in the writing and production of this article.

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Euro Stablecoins Added $263 Million in a Year, Up 54%, While Dollar Supply Fell, DIA Study Finds

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Zug, Switzerland, November 5th, 2026, ZEX PR WIRE, DIA, the trustless blockchain oracle network, today published “The New Stablecoin Fragmentation,” a large study of 140+ active stablecoins from nearly 100 issuers in 25 currencies, built on DIA’s Global Stablecoin Map, a public dashboard. It finds euro stablecoins added $263 million in the year to 19 October, up 54%, while dollar stablecoin supply fell 1.3%. At $790 million, the euro is now the largest non-dollar stablecoin market.

Banks already issue 29% of euro stablecoins, and a 37-bank consortium is next

SG-FORGE’s EURCV and Banking Circle’s EURI hold 29% of euro stablecoin supply. EURCV is the fastest-growing large euro coin, up two and a half times since March. Crédit Agricole launched its own coin, EURXT, in July. Qivalis, a consortium of 37 banks, received its Dutch e-money licence on 14 October and expects to issue within months. The ECB’s Pontes platform, which settles tokenized assets in central bank money, went live on 21 September.

Euro stablecoins carry 8.5% of onchain card spending, more than 30 times their share of supply

Euro stablecoin card spending reached $459 million in the twelve months to September, more than five times the prior year. Circle’s EURC accounted for 80% of it and Monerium’s EURe for the rest. That is 8.5% of all traceable onchain stablecoin card spending, against the euro’s 0.26% share of stablecoin supply.

Euro stablecoins are used in DeFi at more than ten times the rate of USDT

About 35% of euro stablecoin supply is deployed in DeFi, against 2.7% for USDT. On Token Terminal’s measure, a single Steakhouse-curated Morpho vault holds most of EURCV. Without that vault, the euro share falls to about USDC’s level of 12.9%. Euro lending markets total about €130 million, with roughly 72% borrowed. Meanwhile, ESMA told licensed firms in October to wind down custody and transfer services for non-compliant stablecoins such as USDT by early 2027.

“Two stablecoins can represent the same currency and still be entirely different products,” said Zygis Marazas, Head of Product at DIA. “A coin used for payments on Tron, one backing loans in DeFi and one listed on a MiCA-licensed exchange carry different risks, publish different proof-of-reserve disclosures and answer to different regulatory frameworks. Designing a stablecoin has to start with the rails it runs on, the customers it serves and the market it is built for.”

MiCA sets one rulebook across the EU, and 98% of euro supply is already licensed

Under MiCA, euro stablecoin issuers must hold full reserves and redeem at par. In December 2023, issuers now licensed under MiCA accounted for 27% of euro stablecoin supply. Today they account for 98%, and unlicensed coins have shrunk from €195 million to about €12 million.

Read the report and explore the data

Read the full report, “The New Stablecoin Fragmentation“. For every stablecoin, see supply by chain, peg stability, DEX liquidity, DeFi usage, frozen balances, who controls minting and freezing, and licence and reserve reports on the Global Stablecoin Map.

About DIA

DIA is a trustless blockchain oracle network. Its modular, rollup-based design enables verifiable sourcing and delivery of any data to any blockchain. The network is permissionless, allowing anyone to deploy oracles, operate nodes and participate as stakers in the distributed data sourcing process. For more information, visit diadata.org.

Data notes

DIA does not issue stablecoins. Data as of 20 October 2026; supply growth, the euro total and the euro’s share of supply as of 19 October 2026. Supply and growth come from DIA’s Global Stablecoin Map, which uses DeFiLlama circulating supply and DIA’s own onchain contract reads for coins DeFiLlama does not track. Growth compares the same coins at the end of October 2025 and on 19 October 2026, when they rose from $487 million to $750 million. Coins with no supply data a year earlier, mainly Banking Circle’s EURI, add about $39 million more. Card spending comes from Paymentscan, October 2025 to September 2026, and covers EURC and EURe spending whose funding is traceable onchain. DeFi share uses Token Terminal (12 October 2026); lending figures come from DIA’s lending data. The Global Stablecoin Map updates daily, so its live figures will differ from this 19 October snapshot.

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Press Release

Hola Prime’s Second Deloitte Review Confirms 99.9% One-Hour Payouts, Zero Denials Across $8.43M in Payouts

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New York, USA, November 5th, 2026, FinanceWire

12-month operational review of 2.3M trades and 139,000+ accounts confirms 99.9% of payout requests processed in under one hour with zero payout denials.

Hola Prime, a global proprietary trading firm, today announced the publication of its second independent operational review conducted by Deloitte. Expanding its commitment to industry accountability under its new “The Whole Truth” campaign, the 12-month evaluation provides an comprehensive, data-driven look into the firm’s trade execution, account journeys, and payout performance.

Unlike standard industry marketing claims, the review offers complete operational visibility by evaluating 6,315 payout transactions, 139,320 account records, and approximately 2.3 million trade records across three major trading platforms.

Key Findings from the 12-Month Independent Review:

  • Payout Processing Performance: 99.9% of payout requests were processed within one hour, backing Hola Prime’s signature 1-Hour Payout commitment. The average payout processing time across the reviewed transactions was 31 minutes.
  • Capital Distributed: $8.43 million was paid out to traders over the last 12-month period till 15th Oct’26, with more than 50% of funded traders receiving more than one (multiple payouts). 
  • Zero Payout Denials: No payout requests were denied during the 12-month assessment period, with 100% of the requests raised, resulting in successful payouts.
  • Zero Median Slippage: Trade execution quality across 2.3 million trade records revealed zero median slippage on cTrader across all 10 of Hola Prime’s most frequently traded instruments.
  • Unfiltered Performance Data: Evaluation pass rates ranged between 22.53% and 32.41% across account plans, reflecting the real traders’ outcomes rather than curated success stories.

“Every prop firm claims they pay their traders, we believe traders deserve proof over promises,” said Somesh Kapuria, CEO of Hola Prime. “That’s why we’ve opened 12 months of operational data to independent scrutiny for the second time. We are publishing the reviewed numbers by a reputed Big four Audit firm, that make us proud alongside the realistic metrics that usually get hidden behind marketing spin. Trust shouldn’t be requested; it must be demonstrated.”

Through The Whole Truth initiative, Hola Prime is challenging the broader proprietary trading sector to move away from unverified payout screenshots and adopt regular, third-party operational verification as standard practice.

The full Deloitte review is available to the public at www.holaprime.com.

About Hola Prime

Hola Prime is a global proprietary trading firm empowering skilled traders worldwide with funded accounts and direct access to significant capital across Forex, commodities, and indices. Built on its industry-first 1-Hour Payout model and a commitment to radical transparency, Hola Prime was named Global Most Transparent Prop Firm 2025 by Finance Magnates and Fastest Payout Prop Firm MEA 2026 by UF Awards. Backed by a 4.6 Trustpilot rating and an active global community under #WeAreTraders, Hola Prime is redefining industry expectations.

Contact

Manya Bhardwaj
HolaPrime
contactus@holaprime.com

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Interest in Indoor Playgrounds Jumps 44% in Philadelphia as November Arrives

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Searches for indoor playgrounds climb as soon as the cold arrives, a pattern Playspace by Kidology also sees with families at its two locations.

Philadelphia, Pennsylvania, United States, 5th Nov 2026 — Every year, Playspace by Kidology sees families head indoors as the cold arrives. While reviewing search trends as part of its seasonal marketing research, the team found that the same shift shows up clearly online. According to search data from Ahrefs, a search research platform, searches for “indoor playground philadelphia” run 37% above their yearly average in November and keep climbing through the season: 19% above average in December, 66% above in January and still 14% to 17% above in February and March. From April to September, the same searches fall 12% to 36% below average.

Interest in Indoor Playgrounds Jumps 44% in Philadelphia as November Arrives

Google Trends shows the same pattern over a longer period. Across the past five years in the Philadelphia area, interest in “indoor playground” has been about 44% higher in November than in October, and it has reached its highest point between December and February every winter.

The timing follows the weather. Average highs in Philadelphia drop from about 56°F in November to about 40°F in January, the coldest month of the year, with average lows in the mid-20s. The pattern is national too: searches for “indoor playground near me” average about 44,000 a month in the U.S. and reach their highest point in January, 27% above average.

“We see it every year at our own front door: as soon as the cold sets in, more families come in looking for somewhere warm where their little ones can climb, run and burn off energy,” said Luba Patlakh Kaplun, founder of Kidology. “When we looked at the search data, it showed the same thing, and it starts earlier than many people think. Winter is long in Philadelphia, and for parents of toddlers and young kids, an indoor playground is one of the easiest ways to keep active play in the week, whatever the weather.”

What the numbers mean for Philadelphia families

  1. Winter planning starts in November, not January. Local searches for indoor playgrounds are already 37% above average in November. Families who line up their cold-weather outings now have a plan before the January peak.
  2. Birthday party venues are booked early. Nationally, searches for kids’ birthday party venues run 49% above average in November and 58% above in January, so winter and spring party dates go quickly.
  3. Indoor play isn’t only a winter thing. There is a second, smaller rise in summer: searches for indoor activities for kids are 30% above average in July, when the heat keeps families inside.

About Playspace by Kidology

Playspace by Kidology is an indoor playground for children from birth to 12, with locations in Northeast Philadelphia and Southampton, Bucks County. Kids climb rock walls, go down slides and play in sensory-friendly spaces. The playground is also available for birthday party rentals and play gift cards are available for the holidays.

For more information, visit kidologyplayspaces.com

Media Contact

Organization: Playspace by Kidology

Contact Person: Luba Patlakh Kaplun

Website: https://kidologyplayspaces.com/

Email: Send Email

Contact Number: +12153304116

Address: 928 Jaymor Rd c150, Southampton, PA 18966

Address 2: 2800 Southampton Rd, Philadelphia, PA 19154

City: Philadelphia

State: Pennsylvania

Country: United States

Release id: 50488

View source version on King Newswire:
Interest in Indoor Playgrounds Jumps 44% in Philadelphia as November Arrives

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