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Finance

What is a personal loan?

A personal loan is a type of loan in which the borrowed money is intended to be spent for personal uses. The purpose of borrowing money via a personal loan is to spend the the money for personal uses. As its name suggests, a personal loan is not intended for business purposes such as capitalizing a business, expanding a company, opening a store, or buying a stock.

What are the types of personal loan?

There are four basic types of personal loans in Singapore: a fixed rate personal loan, a variable rate personal loan, a secured personal loan, and an unsecured personal loan. A fixed rate personal loan involves a predetermined interest rate that remains the same for the duration of the loan. The opposite of a fixed rate personal loan is a variable rate personal loan. A variable rate personal loan involves an adjustable interest rate that is dependent on the different movements of the economic index and the various fluctuations in the market prices. A flourishing economy causes the interest rates to fall while a declining economy causes the interest rates to rise.

The difference between a secured personal loan and an unsecured personal loan lies in the presence or the absence of a collateral. A secured personal loan involves the presence of a collateral that serves as the security of the loan. It is an assurance that the lender will still get repaid, in the form of a property or a car, even if the debtor fails to meet his debt obligations. Unlike a secured personal loan, an unsecured personal loan doesn’t involve the pledging of a collateral. Since there are no collateral to secure the loan, the lender is usually very careful when it comes to approving loan applications.

If you are looking for a personal loan in Singapore Crawfort Money Lender is your best choice. You can visit their website to learn more about the company. You will see from numerous client testimonials why they are the leading lending company in Singapore.

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Things To Remember While Buying Diamonds

If you are planning to buy an exquisite piece of diamond jewelry for yourself or looking to gift it to someone special, you should also keep in mind certain things before you step into a store to buy it. Being aware about a number of factors will only work in favor of the diamond buyer so as to help him make the right purchasing decision. Although buying diamonds is certainly not that difficult but it always helps if you go to buy it with some knowledge with reference to the quality of diamonds, its value, different types of diamonds available in the market and the current jewelry trends and styles of diamonds prevalent in the markets. There are a number of things to remember while buying that special diamond. Here is a list of factors that one needs to keep in mind:

Know the Cs

It is important to know about the various specifications such as cuts, color, shape, clarity, shine, polish and so on before one goes ahead with their decision to buy a piece of diamond jewelry. Learning about all the 鑽石4c – clarity, cost, cut, color and carat is very crucial since these factors greatly impact the value of the stone. Decide which C is the most important among all the Cs and make a purchasing decision once you know what you are looking for.

Try out various pieces and check details

Today the jewelry market is flooded with diamonds of various shapes, sizes, color and cut. Among the wide range of diamonds, sometimes it becomes difficult to choose just that single piece of diamond that will best suit your requirements. Therefore, try and look on as many diamond jewelry pieces as you can and do check all the details of those pieces.

Enquire price in different stores

After selecting the diamond jewelry piece that you want to buy, it is important that you compare its rate with the prices sought on similar such diamond piece by other sellers. Comparing prices of diamond is important to ensure that you do not end up paying more than the worth of the diamond. While comparing the price, you also need to keep in mind that you cannot judge the value of a diamond which has a certificate against the price of a diamond which is without certificate. Go for the one which not only looks dazzling but also suits your budget.

Exercise caution while checking certificate

Ask for a certified diamond that has been approved and accredited by a reputed laboratory. While doing so, you should be careful to check the name of the laboratory that has approved it since sometimes a certified diamond is available at an unbelievably reasonable price because they are certified by some dubious and not so well-known laboratory.

Different labs issue certificate as per their standards. As a result, the quality of a diamond will differ if it is certified by a reliable and esteemed lab than the one which has been done by a lesser recognized lab. To avoid the confusion, choose the diamond certified by a trustworthy lab since the quality will also be good.

Keeping the above-mentioned points in mind while going to buy diamonds will certainly help you choose the best one for yourself.

Engagement photographer

He popped the question and you said – Yes!? The wedding plans have begun and you have become like so many other brides, completely obsessed. No matter where you are or what you are doing you are constantly thinking about your wedding day and all of the things that need to be taken care of before you say “I do”.

Well let’s start with first things first: your Oahu engagement portraits. While there are some people who prefer to skip over this photo op, there are those who have been dreaming about this day for a long time. Engagement portraits capture beautiful moments between the couple that will be enjoyed by family and friends throughout the wedding experience.

Obviously the first step in your Oahu engagement session is the photographer. You want to find Oahu photographers that have the ability to capture all of the beautiful wedding moments from beginning to end. Photographers come in a wide variety of artistic styles, technical abilities, and price ranges. The photographer will be the most important decision of your wedding so make sure you take time in finding the one who will preserve your wedding memories for generations to come. Once you have found your photographer, it is a good idea to use the same photographer to capture your engagement, bridal, rehearsal dinner, wedding and reception photography so everything looks consistent and is of the quality you desire.

Once you have chosen your photographer you will then need to decide what type of engagement portrait you want. Are you looking for fun and playful, calm and casual or deeply romantic? This choice will help you in deciding how you want to be photographed and where you want this engagement session to take place.

Next you and the future hubby are off to pick a perfect place which expresses your love. Here is where the options are endless. Some couples simply pick a place around town which is beautiful, like a garden, park or lake. Then there are other couples who want to be photographed in a specific place meaningful to their relationship such as where they had their first date, a favorite park swing or an ice cream parlor. Other things to consider is the season when you will be photographed and also the time of day. So have fun and get creative!

Now that you have picked the style you are going for and the location, it is time to figure out what to wear. This is where you are the expert so have fun picking out outfits that make you look fabulous. Sometimes it is a good idea to bring a few different options. Be sure to check with your photographer about their engagement portrait requirements. If you can do more than one outfit change then go for it. You will have a larger selection of photographs if you do.

Finance

Should You Get A Startup Loan?

If your business is just getting off the ground, you’re classified as a startup, so if you wanted to get a loan that would be a startup loan. Now that we just stated the obvious, the question becomes, should you get a startup loan? The answer to that is, it depends on your situation and whether or not you even have access to the sort of loan that you need.

The latter is not such a big hurdle these days, particularly when the internet has connected the world to such a tight level that practically nowhere is unreachable. The problem is whether or not the lending options that you would have had are even allowed to help you as far as the laws of your area goes. So it really isn’t that straightforward, unfortunately.

Coming back to the point of whether or not you should get a loan though, there’s a few things that you want to take into consideration.

Do You Even Need It?

Generally speaking, one of the most common ways that people can get capital to start their business is to take out a loan, either through the bank or other lending firms that have exorbitant rates. These days, you can also apply for loans online through the many lending companies all of the place that offer better deals and this is only for the best. However, if you can avoid a loan by financing the business yourself through money that you yourself own, then that would be for the best.

What’s Available In Your Area?

An unfortunate problem for people who want to take out a loan from the many lending avenues that are available these days are restrictions when it comes to where they live. If you live outside of developed countries for example, it can be hard to have access to choices other than banks and brick and mortar lending firms. This could then leave you with the kind of interest rate that eats away at your business and cuts into your profit significantly.

What you could do in Singapore, is to find a way to gain access to the lending companies that have way better business loan Singapore rates either through proxy borrowers or through unconventional arrangements that you and the companies could agree on. It might be more of a hassle, but at least your business won’t be skin and bone.

Can You Handle The Pressure?

Let’s say you did manage to get a startup loan regardless of where it’s from. Even with the lowest rates, there will still be the pressure that comes with having debt. Can you still run your business with that baggage weighing on your mind? If not, you might want to find other avenues of raising capital. Preferably, one that won’t leave you in mountains of debt.

Home Services

Water Fed Pole Window Cleaning

Today, water fed pole window cleaning has become more popular and most people around the globe prefer this type of method to clean windows. This method of water fed pole cleaning actually saves 50% of time normally used by traditional window cleaning. The important element of pole system is the brush and there are different kinds of brush available in the market. The main parts of any brush are the jets that spray water and bristles that keep in contact with the window glass. The jets are of two types: fans and pencils where fan rinse with the brush and pencil move the brush up with the glass.

The bristles should not be flocked, crinkled, and too dense and also bristles vary in length, density and shapes. The first water fed pole that came in the market were made using fiber glass, and today, Window Cleaning Poles are not too expensive and they are comparatively lighter than the older versions of pole. If a person uses ordinary tap water to clean the windows, then it should be properly cleaned to remove all dissolved solids. Water can be purified by two methods: reverse osmosis and deionization where reverse osmosis is suitable for hard water and deionization is used for soft balls.

The other required equipment for window pole cleaning is pump, van or trolley to carry water, and power supply. The pump is required to pour water from the vessel to the window. Van or trolley is required to carry water to the site. The 12 volt power supply is needed to operate the pump. Today, there are numerous good window cleaning suppliers available. It is always good to ask the supplier about the size of the water treatment, height of the pole, and the mode of supply. Also, the chosen pole system should be environment friendly and really efficient.

Finance

Payday Loans – Cash Advance

When a person experiences a financial emergency in which they must acquire cash in between paydays, they can apply for a short term loan that is referred to as a “payday loan”, “fast cash loan”, or a “bad credit loan”. When applying for these types of short term loans, an individual must provide just a few key items of interest to the money lender. These items include identification, proof of a checking and/or savings account, and verification of monthly income. Once this information is provided, the verification process begins. The loan company will conduct research on the information that you have provided to ensure it is accurate, once this is established, you can be instantly approved.

Once you have been approved, the money from your payday loan is then issued to you by direct deposit or by a money order from the company. The maturity date of your short term personal loan will usually be on your next payday. Many companies allow individuals two paydays before the maturity date. You will be required to provide your banking information to the payday cash advance company.

When the loan becomes due, the finance company will immediately withdraw the funds from your bank account. If the funds are not available, then you will owe the finance company a fee for a “bounced” check, as well as any fees as imposed by your financial institution for any such occurrence. One thing you should look for when looking for a loan is to work only with an licensed lender in Singapore.

There are many differences between a payday loan and a more conventional loan. The main difference is that a payday cash advance does not require the use of a credit report to determine approval. The next difference is that a payday loan is short term – usually only one to two weeks – where conventional loans have a longer amount of time in which the loan can be approved. With a cash advance on your payday, you will generally pay a higher rate of interest than you would with other types of personal loans.

Finance Travel

What is the best travel insurance for you?

Travel insurance is something that anyone going on a trip needs to have as it makes sure you are covered in the event of a whole range of emergencies. There are many different types of travel insurance available in Singapore, though, so which one is right for you? This guide takes you through some key types of travel insurance Singapore to give you a better idea of what’s out there.

Annual insurance

If you’re a travel enthusiast who goes on several holidays a year, annual travel insurance could well be the policy for you. As the name suggests, this insures you over the course of the year and gives you cover for an unlimited number of trips, although the trips will generally need to be for less than 90 days at a time. If you’re travelling regularly, it certainly helps to ease your administration burden if you know you’ve already got your insurance sorted.

Backpacking

If you’re going backpacking, there is special backpacker’s travel insurance that you could take advantage of. This insurance can cover for between 31 days and 18 months, taking account of the fact that people vary the length of their trips considerably. This is a good type of travel insurance for students going on gap years as it covers a wide range of sports and there are many optional extras that you can add to your cover if you need to.

Single trips

If you’re someone who just goes on the occasional trip, such as a beach holiday or city break, single trip travel insurance could be just what you’re looking for. All you need to do is specify the dates of your trip (normally between 3 and 365 days) and you should be able to get cover for that period. As well as the standard cover such as healthcare, baggage, money and emergency assistance, you can also get extras such as sports cover depending on what you plan to do on your trip.

Adventure holiday

If you’re going on an adventure holiday, there are a couple of travel insurance policies that might be right for you. If your adventure is part of a backpacking trip then backpacker’s insurance with added extras for various sports might be a good option. If the trip is a one-off then single trip insurance with added sports coverage could be a good idea: if you’re in doubt, check with your holiday insurance provider to find out which policy would be best for your needs.

Finance

Licensed Money Lender Singapore

Accidents happen when you least expect. After all that is why they are called accidents. Accidents can also be expensive, and they may happen when you don’t have the money to take care of the situation. An example of a medical situation where money may be needed is when someone in your family has had a fall and broken a bone. Even with insurance, there are co-pays and deductibles. There are also prescriptions to purchase. These situations can’t wait and you can be left in a tight financial bind.

If you need money fast, it is available. Payday loans from licensed moneylender Singapore offer fast funding with fast approval. Regardless of your past credit history, you can be approved for a payday loan. Payday loans are based on your ability to repay, so as long as you have steady income you can get the cash you need directly deposited into your account within a few hours.

Because payday loans are an expensive form of credit, you should never borrow more money than you need and you should only borrow in emergency situations. You should never borrow more than you can afford to repay either. Most payday loans are due on your next payday, so keep that in mind when completing the loan application process.

Payday lenders will help you through the payday loan process, from the application to funding. The application process is simple, requiring only some basic information, proof of identity and proof of employment or income.

So if you need cash fast and you are in a bind, payday loans are the best option. Payday loans are a great option for those with bad credit who have an urgent need for money. The entire lending process is quick and receiving the funds is just as fast.

Travel

How to choose the most important travel accessories

There are hundreds of travel accessories available in the market. But the main thing is which one to take for your next trip. Also, the travel accessories depend upon the kind of holiday you are going on. Either you require a suitcase, for example, or a backpack. If you are going trekking or through mountainous terrain, you should get a backpack to ensure all your items are packed and easily transported, whereas you need to purchase a suitcase if you’re going on a holiday where you don’t want to carry around a heavy luggage.

Selecting the appropriate travel accessories for your holiday is very important. For longer trips, you may opt for the kind of suitcases that are available in the market that come with wheels. These suitcases provide great comfort as all your items are stored in one place, and the suitcase can be wheeled over long distances without being a burden. Moreover these suitcases end up being a lot safer as they are a lot tougher, and prevent your items inside it from being damaged, in comparison to the backpacks available in the market.

Beside suitcases and backpacks, sun tan lotions, insect repellents, mosquito nets, and water proof clothing are the other type of travel accessories that come in handy, and one may be in big trouble without the accessories mentioned above. Sun tan lotion may not be an essential travel accessory, as it can be bought from the place you’re visiting , however, if you require a specific brand or type of lotion you may need to bring it from home.

Water proof clothing is a must. One never knows when the rain may fall, no matter the area, so in order to prevent yourself from catching a cold or fever, water proof clothing is another essential travel accessory.

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Online Art News

More and more people are turning towards internet for getting most of the things and such internet enthusiasm has made search engines as the most used resources of information.

Especially, there are three phases of our daily lives for which most of the people are utilizing search engines, which includes online shopping, social networking and reading news. A large number of people are utilizing online services for all these three requirements of their lives.

Talking about the use of internet for latest breaking news, online news papers have yet not successfully replaced old news papers but gradually people are moving towards it for getting their daily scoops of news. The best part of staying updated through such manner is that you will not have to be worried about carrying news papers with you as you can easily read news paper through your electronic gadgets such as mobiles, iPads, iPhones, Android tablets, laptops etc.

Well the internet has changed the way for art news as well. There are a lot of art news portals available online today, such as Art Insider, where you can get all the latest news from art. Whether you are interested in ancient art, modern art, art museums or you want to know about the latest art shows and artists then these art news portals can provide you with all the answers you need.