Author Archives: Harry

Responsible Borrowing Practices: Tips for Borrowers

Whether taking out a personal loan, mortgage, or credit card, borrowers should adhere to prudent borrowing practices to ensure they can manage their debt effectively. Good at money lender Jurong East, our institution provides reliable financial solutions tailored to your requirements.

1. Assess Your Financial Situation: Before applying for a loan, take stock of your financial situation. Calculate your income, expenses, and existing debts to determine how much you can afford to borrow without overextending yourself. Consider factors such as your monthly budget, savings goals, and emergency fund to ensure you can comfortably repay the loan.

2. Understand the Terms and Conditions: Thoroughly review the terms and conditions of the loan, including interest rates, fees, repayment terms, and any penalties for late payments or early repayment. Make sure you understand the total cost of borrowing and how the loan will impact your finances in the long term.

3.  Pay attention to both the interest rate and the APR (Annual Percentage Rate), which includes additional fees and charges, to get a complete picture of the cost of borrowing.

4.  Determine the minimum amount required to meet your needs and borrow only that amount. Borrowing more than you need can lead to higher monthly payments and unnecessary interest charges, increasing the overall cost of the loan.

5. Consider Your Repayment Strategy: Develop a repayment strategy before taking out a loan. Determine how much you can afford to pay each month and create a budget to ensure you can meet your repayment obligations. Factor in other financial goals, such as saving for retirement or emergencies, to prioritize your financial needs.

  • Make Timely Payments: Always make your loan payments on time to avoid late fees, penalties, and damage to your credit score.

7. Avoid Using Loans for Non-Essential Purchases: Reserve borrowing for essential expenses and avoid using loans to finance discretionary purchases or lifestyle upgrades. While it may be tempting to use borrowed funds for vacations, electronics, or other non-essential items, doing so can lead to unnecessary debt and financial stress.

8. Monitor Your Credit Score: Regularly monitor your credit score and credit report to track your borrowing activity and identify any errors or discrepancies. A good credit score is essential for qualifying for favorable loan terms and interest rates, so take steps to maintain or improve your creditworthiness over time.

By following these responsible borrowing practices, you can make informed financial decisions, manage your debt effectively, and work towards achieving your long-term financial goals. Remember that borrowing should be done thoughtfully and within your means to avoid financial hardship and debt problems down the line.

4 Tips for Staying Productive When Working From Home

Since the worldwide lockdowns, more and more businesses are allowing their employees to work from home. And while there are many perks that come along with working remotely, make no mistake about it— there are also challenges. For many people, working from home can be incredibly distracting.  

Staying productive can be difficult when you have multiple distractions coming at you in your personal life. Even though you’re technically “at work,” it’s easy to find yourself giving into the temptation to do things like water your houseplants, or do a load of laundry. Each tiny distraction added up over the day can add up to a significant amount of time lost. To help you stay on top of your work, here are some of the best tips for staying productive while working from home.

Create a Dedicated Workspace

Even though it sounds fantastic to work on your couch, or in your bed, the truth is that this can be dangerous since you associate these parts of your house with relaxation. It’s easy to find yourself talking to other family members, or turning on the TV in between projects. The best way to avoid giving in to these distractions is by creating a dedicated workspace entirely separate from your leisure parts of the house. 

For example, this should be a separate room, or perhaps a part of the garage, or if you don’t have the space, simply a corner of your living room. As long as it’s separate and dedicated fully to work, then it will be less probable that you’ve given to the distractions.

Create a Routine

Creating a routine is an important part of staying on task because it keeps you accountable for what you’re doing. Treat your work day at home the same as you would if you were working in the office. Set specific times for breaks, and honor them without cheating. The more you can stick to your schedule, the more you’ll strike a healthy work-life balance, and feel less guilty about taking breaks.

Set Goals

One of the best-kept secrets of highly productive people is that they set goals for themselves. Setting goals throughout the day will help you keep track of your progress, and reward yourself accordingly. Setting goals can also be helpful since it can help you prioritize what needs to get done. Check the list off as you go, and you’ll find you’re much more likely to stay motivated to keep going. Lists are incredibly helpful for keeping you on the right track.

Stay Connected

One of the most commonly shared challenges of working from home is feeling like we’re disconnected from our coworkers. This can leave us feeling unmotivated, and ultimately distracted. Stay in touch and connect with your coasters by setting up instant messaging, or video meetings. This will maintain a sense of camaraderie even though you’re not actually interacting physically with a team.

Click and Sail: The Rise of Online Platforms in Booking Sailing Holidays

In the age of instant gratification, the sailing community is witnessing a remarkable rise in the use of online platforms for booking sailing holidays. “Click and Sail” has become the mantra for enthusiasts seeking the perfect maritime adventure, with the convenience of digital platforms reshaping the way sailors plan and embark on their seafaring journeys.

The allure of online platforms lies in their accessibility and efficiency. No longer constrained by traditional booking methods, sailors can explore a plethora of sailing options, from luxurious yachts to cozy catamarans, with just a few clicks. The rise of user-friendly interfaces has transformed the reservation process into a seamless and enjoyable experience, putting the power to design bespoke sailing holidays directly into the hands of enthusiasts.

One of the key advantages of online platforms is the ability to browse and compare diverse sailing destinations effortlessly. Whether craving the turquoise waters of the Mediterranean waters around places such as Malta or the adventurous spirit of the Caribbean, sailors can explore, evaluate, and select their ideal routes from the comfort of their homes. The rise of online bookings has, in essence, broadened horizons and expanded the possibilities for sailors eager to chart new waters.

The sailing community’s increasing reliance on online platforms extends beyond mere reservations. These digital hubs have become invaluable sources of information and inspiration. Enthusiasts can delve into detailed itineraries, read firsthand accounts from fellow sailors, and access real-time updates on weather conditions—all contributing to a more informed and enriching sailing experience.

Furthermore, the rise of online platforms has cultivated a sense of camaraderie among sailors. Online forums and social media groups dedicated to sailing holidays serve as virtual harbors where enthusiasts share tips, exchange stories, and form connections. The digital realm has, in many ways, transformed the sailing community into a closely-knit, global network of sailors bound by their passion for the open sea.

As “Click and Sail” becomes the norm, the rise of online platforms is not just a trend; it’s a revolution in the way sailing holidays are planned and experienced. The convenience, variety, and sense of community fostered by digital platforms have set sail for a new era in the world of seafaring adventures.

4 Online Business Ventures Perfect for Seniors

As more and more retirees are seeking ways to stay active or earn some extra cash, online businesses have become a fantastic option. They give people a chance to put their valuable life experiences into practice while still staying sharp and stimulated. Plus, they’re so flexible – you can run one from pretty much anywhere, including your own cozy home! 

This article takes a look at four different types of online businesses that might be just right for seniors. Don’t worry if you’re not a tech wizard. These ventures require only basic-to-moderate technological know-how and offer plenty of options when it comes to setting your own hours.

Online Consulting

After years of building up loads of knowledge and experience in their fields, many seniors are starting to see the value in sharing all that wisdom. And online consulting is a great way to do it! 

They can offer guidance and advice to younger folks or companies who could benefit from their expertise. Not only that, but this kind of work can be really fulfilling (and lucrative too)!

E-Commerce Store

E-commerce has blown up big-time lately, and seniors are well-positioned to take advantage of it. They have a ton of expertise when it comes to all sorts of niches. This makes them great candidates for setting up online stores that feature carefully chosen products aligned with their passions. 

For seniors who live in assisted living homes, e-commerce can be especially meaningful. It gives them a way to stay engaged with the wider world and keep on top of things!

Content Creation

Content creation is another awesome way for seniors to get in on the online action! There are so many avenues to explore, like writing blog posts or e-books, starting up a podcast or YouTube channel, and more. These are all focused on subjects they’re really into. 

With their wealth of amazing stories and experiences, they’ve got tons of great stuff that could capture an audience’s attention.

Online Tutoring

If you’re a senior who’s got great teaching skills or knows a ton about a particular area of study, online tutoring could be right up your alley! There are plenty of platforms out there that connect tutors with students from all sorts of backgrounds and levels. 

This work is so flexible, so it makes for a great part-time income. Plus, sharing your knowledge might even spark new interests in yourself too!

Conclusion

So, to sum things up, there are a ton of ways for seniors to get involved in the digital world and start raking in some cash! Whether it’s through consulting or e-commerce, content creation, or online tutoring, they’ve got plenty of cool options at their fingertips. 

Starting an online business is also a way to keep feeling fulfilled and connected – while still earning some serious dough on the side. It’s a great way for them to redefine what retirement means and keep making meaningful contributions to society too!

4 Tips for Getting Good Business Loan Terms

Many times, a business loan is the difference between success and failure for a business. Unfortunately, one of the trickiest things to accomplish is finding the best loan terms that work for you and your business. Due to different factors, such as over-saturation in certain industries, the competitive lending environment can make it hard to find a reasonable loan that fits your needs. But it’s not hopeless. 

Here are four tips for securing good business loan terms so you’re not stuck with an unfavorable deal.

Arm Yourself With Information  

Before you even contact a lender, make sure you have all the necessary information at your disposal. This includes both personal and business documents such as tax returns, credit reports, business plans, etc. 

Why? First because knowing this information will help you to determine what kind of loan you actually need. Second, if you’ve taken the time to pull all your documents together and have gone ahead with a credit report for your business, lenders may be more likely to take you seriously since you have taken initiative.

Shop Around 

Don’t just go for the first lender that offers you a loan. Although this might be tempting, take the time to shop around and compare several lenders as different lenders have different policies and one may work better for you than others. For example, if you are looking to finance an assisted living facility, consider lenders who specialize in real estate loans. 

So ask for quotes from several different loan sources and compare the fees, terms, interest rates, and repayment schedule. 

Be Prepared to Negotiate 

When meeting with lenders, be prepared to negotiate. Remember, even though lenders are in the business to make money, they also need borrowers to stay afloat. So where appropriate, ask for a better deal than what you’re originally offered and be willing to walk away if it doesn’t meet your needs. 

If you don’t feel comfortable negotiating on your behalf, consider hiring a lawyer or other professional negotiator to do it for you. 

Be Patient

Being impatient is one of the easiest ways to get stuck with a bad deal. Don’t be tempted to sign any loan agreement until you fully understand the terms of the loan and if they are in your best interests. 

For example, say you are offered a loan with a lower interest rate but a longer term. Before you sign, make sure you understand what the total costs will be over the life of the loan and how it fits into your overall budget. You also want to read the fine print on any agreement so that you are aware of additional fees or late payment penalties that may arise. 

Getting good business loan terms isn’t always easy, but it is possible with the right approach. By arming yourself with information, shopping around for the best deal, being prepared to negotiate, and taking your time with each decision you make, you can increase your chances of getting a loan that works for you. 

The polarization encouraged far-right forces to riot in the midterm elections

Think continues working in the documentation for his next project, which will be related to the polarization of American society and the resurgence of anfar-right mentality. This new phenomenon is also spreading to other countries of the world. All the information is being achieved by talking with the protagonists of the news and experts who independently share their vision.

One of the most difficult and complex chapters to be portrayed objectively, was the incident of January 6, 2021, when the White House was stormed by far-right Trump supporters, such as the Proud Boys, which are being called to testify.

Members of the House Freedom Caucus helped plan Trump’s attempt to overturn the election.  They attended a meeting at the White House on Dec. 21, 2020 in which, at least, 11 lawmakers discussed efforts to spill the election resultsand helped spread false information, according to testimony and records obtained by the committee.

And one of the groups that drove this effort is the Falun Gong sect, related with The Epoch Times.Falun Gong, a religious movement embroiled in a decades-long conflict with the Chinese government, has become a political asset in the Trump era due to its long-standing propagation of communist conspiracy theories.

At the time, reputable media such as The New York Times has reported that The Epoch Times used fake accounts to campaign for Trump during the 2016 election through its company Beautiful Life. Moreover, after they spent about $11 million on Facebook ads in 2019, the platform banned them for violating rules on political advertising transparency.

In April, at the height of its ad spending, videos from Epoch Media Group counted about 3 billion views on Facebook, YouTube and Twitter, ranking 11th among all video creators across all platforms and outpacing all other traditional news publishers, according to data from social media analytics firm Tubular.

This engagement made The Epoch Times one of the favorites for the Trump family and a key component of the president’s re-election campaign. According to the Washington Post, reporters at The Epoch Times have received special access from the Trump administration: One America News and The Epoch Times were among the only media outlets with access to Georgia’s voting audience in the 2020 election.

Once thevote counts were published, the website questioned the legitimacy of the 2020 election (neither journalists nor Trump’s legal team have uncovered credible evidence of widespread voter fraud). They also peddle a number of conspiracy theories as the one they supported in 2018 with the“full rundown” of Spygatethat claims an Obama’s administration spy attempted to thwart Trump’s 2016 presidential campaign.

There was great concern in The Epoch Times when Biden finally won the 2020 election. At the same time, to avoid trouble with Democrats over their earlier smear campaign against President Biden, Epoch Times executives decided at one point that they should keep a low profile internally and “drop the close relationship with Trump.”

The truth is, however, that January 6, 2021 gave the Epoch Times another chance.

Angelo Carusone, president and CEO of Media Matters for America, said that by exploiting the deep partisan polarization in U.S. politics and the long anti-Communist tradition of the American right, these media outlets, led by Epoch Times, have sought to link Biden and the Democratic Party to radical left-wing movements like Antifa.

Epoch Times pointed to a strong contender in the Democratic Party,an opportunistic rehash of existing conspiracy narratives – was characteristic of these outlets. “They’re not drivers, they’re not weaving new conspiracy theories, they’re amplifying what’s already out there,” Carusone said.

While the Proud Boys and QAnon have been punished by law, the Epoch Times remains at large. With the 2022 midterm elections in full swing, Carusone said, the intensification of conspiratorial messages in the Epoch Times’ output and its embrace of Trumpism could make them even more damaging to the United States.

Despite being banned from Facebook and unable to place many ads on the platform, The Epoch Times did not give up on other platforms and actively published hundreds of articles about the midterm elections on its website, including dozens of articles about Trump’s “high” approval rating (regardless of the actual situation).

In fact, in addition to obfuscating the midterm elections to attract Republicans for patronage, The Epoch Times and Falun Gong behind it appear to be undermining the American situation in even more egregious ways by opposing abortion and condemning homosexuality and feminism.

Media Contact:

Ángel Tapia

Hello Think

angel@hellothink.es

4 Things You Should Never Apply to Your Face

Your face is the first thing people see when they meet you, so you want to make sure it’s always looking its best. While there are plenty of things you should use on your face, such as sunscreen and moisturizer, there are also some things you should never use. 

Here are four things you should avoid using on your face.

Lemon Juice

Lemon juice has an acidity of 2 on the pH scale, which makes it way too harsh for your face. It can strip away your skin’s natural oils, dehydrate your skin, and make it more susceptible to sun damage.

So no matter what your grandmother tells you on a visit to her assisted living facility or what your best friend tells you in her bedroom during a sleepover, lemon juice is not an exfoliant. 

If you want to lighten your dark spots, there are much better (and gentler) ways to do it. Instead of lemon juice, try using a product with glycolic or lactic acid. These alpha hydroxy acids (AHAs) are much gentler on your skin and will help to improve your complexion over time.

Hot Water

Hot water feels great on a cold winter morning, but it’s not so great for your skin. When you wash your face with hot water, it strips away your skin’s natural oils, leaving it feeling dry and tight.

If you must use hot water, apply moisturizer after to help replace the lost moisture. A better option is to use lukewarm water, which won’t dry out your face.

Another great option is cold water, which has benefits like shrinking pores and reducing redness. It’s also great for waking you up in the morning!

Hair Products

Hair products are often full of chemicals that can be very damaging to your skin. 

It’s designed for hair follicles, not to be used on your face. Using hair products on your face can clog your pores, cause breakouts, and irritate your skin.

So, to shield your face while you use hair products,  try using a product like hairspray on a brush and then apply it to your hair. This will help to keep the chemicals off of your skin effectively.

Makeup Wipes

While makeup wipes can be convenient, they’re bad for your skin. Makeup wipes are often very harsh and can cause irritation, redness, and dryness.

If you must use makeup wipes, be sure to follow up with a moisturizer to help replace the lost moisture.

A better option is to use a cleanser and a soft cloth to remove your makeup. This will be much gentler on your skin and won’t leave it prone to aging.

When it comes to your face, you want to be sure you’re using the best possible products. Avoid these four things and your face will thank you!

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Can you use olive oil on your skin?

Can you use olive oil on your skin?” This is one of the most commonly asked questions around the world. Many beauty products, hair products, and cosmetics contain olive oil, but should you use it straight from your kitchen as part of your beauty routine? Yes, we agree.

Irrespective of your skin type, you can use extra-virgin olive oil and olive oil to hydrate and exfoliate your skin. It contains vitamin E, antioxidants, and chemicals including squalene and oleocanthal, which may help deter aging and mend damage to the skin. Olive oil is sensitive, harmless, and antimicrobial. Here are some skin-friendly uses for olive oil.

Moisturizer for babies

You can massage olive oil into your baby’s skin. Olive oil can be used as a massage oil, and it can relieve dry skin, psoriasis, and cradle cap. You don’t have to worry about your kid consuming olive oil as babies frequently put their hands in their mouths. It’s beneficial to them! Olive oil can be used to wipe the bottoms of babies. Rather than using diaper wipes, try a mixture of olive oil and water with a cloth if your infant is susceptible to diaper irritation.

Shaving cream

Olive oil can be used as a shaving cream. Olive oil will also help give your legs and arms a natural glow and soft feel. Foam and gel shaving cream can be replaced with good old-fashioned olive oil by both men and women. With the help of this natural moisturizer, you may avoid razor burn and pimples.

Cleansing oil

Makeup, debris, sunscreen, and pollutants may all be removed with oil washing without depriving your skin of its natural oils. However, cleansing oils are incredibly costly! Try olive oil to reap the benefits of oil washing at a fraction of the cost. Oil-based cosmetics and sebum will dissolve in olive oil. As a result, olive oil can be used to wash the skin.

Helps remove stretch marks

There’s a simple cure for those bothersome tiny lines that occur on your body, especially during and after pregnancy. Olive oil is high in vitamin K, which is frequently recognised as a key element in preventing stretch marks. Regular massages with olive oil can help wither away unsightly scars, sagging skin, and even acne scars, resulting in blotch-free skin. Unlike most other store-bought cosmetic products, olive oil is thought to organically restore our skin cells.

Understanding money lending as a function of the economy

Commercial banks play an important role in the financial system and the economy. As a key component of the financial system, banks allocate funds from savers to borrowers in an efficient manner. This is how money lending is a function of the economy. They provide specialized financial services, which reduce the cost of obtaining information about both savings and borrowing opportunities. These financial services help to make the overall economy more efficient.

How Banks Work

Banks operate by borrowing funds-usually by accepting deposits or by borrowing in the money markets. Banks borrow from individuals, businesses, financial institutions, and governments with surplus funds (savings). They then use those deposits and borrowed funds (liabilities of the bank) to make loans or to purchase securities (assets of the bank). Banks make these loans to businesses, other financial institutions, individuals, and governments (that need the funds for investments or other purposes). Interest rates provide the price signals for borrowers, lenders, and banks. For money lending-related information, you can also contact well good at money lending in toa Payoh central.

Through the process of taking deposits, making loans, and responding to interest rate signals, the banking system helps channel funds from savers to borrowers in an efficient manner. Savers range from an individual with a $1,000 certificate of deposit to a corporation with millions of dollars in temporary savings. Banks also service a wide array of borrowers, from an individual who takes a loan of $100 on a credit card to a major corporation financing a billion-dollar corporate merger.

1. Banks help people to save their money and keep their money in safe custody. To

ensure the safety of their money, people deposit their money with banks. Banks accept

deposits and pay interest on deposits. People have the provision to withdraw their

money as and when they require it.

2. Banks also grant loans to people for a variety of purposes. In times of need

individuals, business houses, and industries can borrow money from the banks.

3. Credit provided by banks is crucial for the country’s growth and economic

development. Credit is needed for all kinds of economic activities, to set up a business,

buy cars, houses, etc.

4. Banks also help people in obtaining cheap and affordable loans. This can help people

to grow crops, do business, set up small-scale industries, trade-in , and also

help indirectly in the country’s development. They should do so so that relatively poor

people do not have to depend on informal sources of credit (money-lenders).

Conclusion

Money is created when banks lend. The rules of double-entry accounting dictate that when banks create a new loan asset, they must also create an equal and opposite liability, in the form of a new demand deposit. In this sense, therefore, when banks lend they create money.

What is a personal loan?

A personal loan is a type of loan which can be used for versatile reasons. The other types of loan such as home loan or car loan, can only be used for particular purposes. Personal doesn’t have a fixed area as such.

Personal loans can be a useful option if used wisely. In scenarios where you are running behind your payments and have no other options to manage it, a personal loan can help you in bringing your life back on track. However, it can be dangerous if you do not put a lot of thought into it.

Personal loans are provided by banks as well as private money lenders such as personal loan in toa payoh. But before you make up your mind, here are some pros and cons of personal loans.

Pros

1.     Versatility

Unlike other types of loan, personal loan can be used for any purposes unless there are restrictions in place. In most cases, personal loans are meant for personal requirements.

2.   High Borrowing Limits

Personal loans have high borrowing limits. They are similar to credit cards. With high limits, the interest rates get lower. But there is a catch (look at the cons section).

3.   No Collateral

Personal loans do not require collateral. This means that you do not have to put your car or your home on the line as a guarantee of repayment. However, if you fail to repay the borrowed sum, the consequences may be severe.

Cons

1.     High Interest Rates

Personal loans have high interest rates. If you borrow a large sum under a personal loan, the interest rates are lower but they are low in a sense. They are still high. With a large sum, you pay large interest. Even if the rate might seem low on the graph.

2.   High Penalties

If you fail to meet the repayments, the penalties are high on personal loans. Go for personal loans only if you are sure you can meet the repayments.

3.   Increase Debt

Personal loans can increase your debt if not used wisely. Personal loans might seem delicious at first but it can turn disastrous if not planned carefully. Personal loans have made people fall into debt and in turn ruin lives.

Conclusion

The prose of personal loans include that they are versatile and flexible. They have high borrowing limits and require no collateral. The cons are that they have high interest rates, high penalties and they increase debt if not managed smartly.