Home Blog Page 2

How to Find the Perfect Deal While Hiring a Rental Truck

0

Moving to a new place can prove to an expensive affair, from transporting all your possessions to paying for the installation of certain utilities at the new home, everything calls for money. Add on to that, if you have a plethora of things to be transported, hiring a professional moving company can cost you a lot. To cut down on the cost of shifting to a new place, renting a truck is the perfect alternative. According to iMoving.com rental truck experts, the cost of hiring a rental truck is not even 25% of hiring a professional moving service, however, it does involve a lot of mental and physical stress, but if money is a concern, then it is worth giving a shot.

Once you have decided that you want to hire a rental truck, you need to develop a plan to ensure that you get the best deal at the best price. Here we have enlisted a few points that can help you to hire a rental truck and take charge of your relocation.

  • Assessment of your belongings: The foremost step is to assess all the belongings that you intend to take along. Try to cut it short as much as you can, as more things will call for a big truck which in turn may cost you high. Make a list of every item, pack the same in moving boxes safely, and then assess how much space is required to transport all these possessions. It will also help you to understand what kind of logistics do you want to load and unload these items.
  • Size estimation: Once you have assessed all your belongings, the next step is to decide on the size of the truck you intend to hire. Hiring a small truck and making several trips to your location is the last thing that anybody would want and if it is a long-distance relocation then this will turn into the biggest nightmare. However, you need not worry much about the size estimation as most of the rental truck hiring companies to assist for the same. The ideal formula to rent the truck is, if you are moving from a one or two-bedroom apartment then a 12-foot moving truck will be a perfect choice, however, if you are moving from more than a five-room apartment then nothing less than 26-foot will work for you.
  • Book as soon as possible: Don’t wait for the eleventh hour to book a truck for your movement. The early you will book lesser it will cost. At times, there are huge bookings and last moment bookings may cost you much higher. Also, there are particular seasons when most of the people plan to move, try not to book during that time as the rates will drop once the season ends.  
  • Compare before you decide: To crack the best deal you must compare the prices and other add on features being provided by different truck rental companies. You need to have three pieces of information to crack the deal, and i.e the size of the truck, distance, and the dates on which you intend to move. Some companies charge on a day-wise basis while some charge on a distance basis, you must opt for the one providing you more benefits ata lesser cost. As we mentioned earlier also during different seasons rates may vary, you need to compare the amount of variation different companies are offering. Also, don’t forget to look for special off-season discounts. Another way of saving money even during peak periods is to move on a weekday, as prices are lesser as compared to the rent of the truck during weekends. Also, if it is a long-distance movement it won’t be possible for you to return the truck at the same place you have hired from, in such cases your options may be minimal but opt for only that company that has such flexibility of returning it at the place of your convenience.  
  • Logistics: If you have a lot of bulky items, then you may need much more than just a rental truck. Some companies provide logistics along with the rental truck at additional cost. However, it is up to you to decide what kind of logistics you want for hassle-free loading and unloading.
  • Get insurance: We never think about any misfortune, but we need to be prepared for the same. Take insurance before you start driving the truck on your own. This is for the best of your interest, as if anything happens during transition then it is you who have to pay for all the damages. Unlike professional moving companies, rental truck service providers do not offer any insurance coverage, thus you have to take it yourself. However, even if you take the insurance the cost of hiring a truck in comparison to the cost of hiring a professional moving service will always remain less.

So, think wisely and hire a rental truck to cut down the relocation expenses.  There are many other ways to reduce your moving expenses such as finding the right storage facility, downsizing, and more. However, hiring a rental truck is one of the best ways to move under a budget.

How to Find the Perfect Deal While Hiring a Rental Truck

Moving to a new place can prove to an expensive affair, from transporting all your possessions to paying for the installation of certain utilities at the new home, everything calls for money. Add on to that, if you have a plethora of things to be transported, hiring a professional moving company can cost you a lot. To cut down on the cost of shifting to a new place, renting a truck is the perfect alternative. According to iMoving.com rental truck experts, the cost of hiring a rental truck is not even 25% of hiring a professional moving service, however, it does involve a lot of mental and physical stress, but if money is a concern, then it is worth giving a shot.

Once you have decided that you want to hire a rental truck, you need to develop a plan to ensure that you get the best deal at the best price. Here we have enlisted a few points that can help you to hire a rental truck and take charge of your relocation.

  • Assessment of your belongings: The foremost step is to assess all the belongings that you intend to take along. Try to cut it short as much as you can, as more things will call for a big truck which in turn may cost you high. Make a list of every item, pack the same in moving boxes safely, and then assess how much space is required to transport all these possessions. It will also help you to understand what kind of logistics do you want to load and unload these items.
  • Size estimation: Once you have assessed all your belongings, the next step is to decide on the size of the truck you intend to hire. Hiring a small truck and making several trips to your location is the last thing that anybody would want and if it is a long-distance relocation then this will turn into the biggest nightmare. However, you need not worry much about the size estimation as most of the rental truck hiring companies to assist for the same. The ideal formula to rent the truck is, if you are moving from a one or two-bedroom apartment then a 12-foot moving truck will be a perfect choice, however, if you are moving from more than a five-room apartment then nothing less than 26-foot will work for you.
  • Book as soon as possible: Don’t wait for the eleventh hour to book a truck for your movement. The early you will book lesser it will cost. At times, there are huge bookings and last moment bookings may cost you much higher. Also, there are particular seasons when most of the people plan to move, try not to book during that time as the rates will drop once the season ends.  
  • Compare before you decide: To crack the best deal you must compare the prices and other add on features being provided by different truck rental companies. You need to have three pieces of information to crack the deal, and i.e the size of the truck, distance, and the dates on which you intend to move. Some companies charge on a day-wise basis while some charge on a distance basis, you must opt for the one providing you more benefits ata lesser cost. As we mentioned earlier also during different seasons rates may vary, you need to compare the amount of variation different companies are offering. Also, don’t forget to look for special off-season discounts. Another way of saving money even during peak periods is to move on a weekday, as prices are lesser as compared to the rent of the truck during weekends. Also, if it is a long-distance movement it won’t be possible for you to return the truck at the same place you have hired from, in such cases your options may be minimal but opt for only that company that has such flexibility of returning it at the place of your convenience.  
  • Logistics: If you have a lot of bulky items, then you may need much more than just a rental truck. Some companies provide logistics along with the rental truck at additional cost. However, it is up to you to decide what kind of logistics you want for hassle-free loading and unloading.
  • Get insurance: We never think about any misfortune, but we need to be prepared for the same. Take insurance before you start driving the truck on your own. This is for the best of your interest, as if anything happens during transition then it is you who have to pay for all the damages. Unlike professional moving companies, rental truck service providers do not offer any insurance coverage, thus you have to take it yourself. However, even if you take the insurance the cost of hiring a truck in comparison to the cost of hiring a professional moving service will always remain less.

So, think wisely and hire a rental truck to cut down the relocation expenses.  There are many other ways to reduce your moving expenses such as finding the right storage facility, downsizing, and more. However, hiring a rental truck is one of the best ways to move under a budget.

What You Need at Home During a Natural Disaster

0

You may need to survive for several days alone after an emergency. To be prepared means having to last for many days with your food, water, and other provisions. A disaster package is a collection of necessities in case of an emergency of critical things your household may need. Most items are cheap and easy to find, and some will save your life.

Six Items You Need

Water

A safe supply of water is one of the first things to have in an emergency. If flooding occurs, presume drinking tap water is not secure. Water gathers in the clouds when there is a storm or a flood. It combines with residues and bacteria on the ground. That’s why the floodwaters still look turquoise brown or soup-like.

If the safety is infringed, the city will shut down water access lines. That leaves you without water—a fundamental human need. If you have a water supply unit at home, that will be beneficial. This is necessary and ideal since you can get a refill at your home; otherwise, you would have to get big containers and pre-packed bottles of water. Get a gallon per day per person to be safe since one cannot go for more than 3-4 days without water.

Food

You should have food available for at least three days. Focus on foods that do not need heating or much preparation or water and also that are not perishable. Think of pasta, frozen fruit ready to eat (or canned vegetables, juice, and meat) or energy-rich snacks such as trail mix and granola bars. Note, for those with special needs, like kids and grandparents, and there are supplements and unique supplies.

All this is better than nothing, even though the cold soup isn’t outstanding. In your nearest big store, you can buy bulk snacks. Make sure you and your family have the food they are going to eat.

Medication and First Aid Kit

Get a few additional drugs from a medical supply store on hand after a crisis if you cannot leave your home to replenish your prescription. You should store medications such as painkillers, calamine lotion, alkalines, laxative drugs, and anti-diarrheas.

It is essential to have a first-aid kit in your disaster package kit with latex gloves, gaseous patches, a thermometer, sterile bandages, band-aids, petroleum jelly, burns salvage, antibiotic ointments, sticky tape, towelettes, sunscreens, and immediately cold packs. In it, you should have all life-saving drugs people use every day, for approximately four days.

Extra Batteries and a Radio

Nothing works without electricity in an emergency. When the networks or towers become weakened, you can lose cell covers. During an emergency, you should not use your phone too much to save power and use the network required by emergency response crews.

So, what are you doing to get details about the storm when and where things are safe? To find out when it’s safe to leave your shelter, you have to have a battery-powered emergency radio. Additional batteries are vital because you don’t know when those being used are going to die out. You don’t want to stay uninformed in a storm. Extra batteries power other things like flashlights, which are essential for runs like going to the bathroom if you are out of light overnight.

Hygiene Products

You’re going to get smelly quickly if you’re without water. This is where wipes come in. You could be near others, so the more you both endure, the better. Some people place simple cosmetic bags in their kits, with supplies such as toothbrushes and deodorant. Your dentist will forgive you if you are in the midst of a natural disaster and if you are not cleaning your teeth for a few days. You also need garbage bags to get rid of any waste that accumulates during this period. Also, remember the feminine products that girls and women will need.

Important documents and items

Cash, passport, social security card, family registrations, bank account numbers, and a list of phone numbers relevant and emergency contacts should be safe. Ensure your will and other contracts and deeds have a copy.

You should hold essential documents in your house, using a fire and waterproof case. This includes social security cards, visas, bank details, and emergency contacts. In this receptacle, you should also have some cash. At the end of a tragedy, you never know if you will have a home, so these things must be with you or face a loss.

5 Smart Things to Do With Unexpected Money

0

You can end up getting unexpected money, and you get confused about what to do. There are several ways money can come your way. For example, you may have participated in a game, and you end up getting a lot of money after winning a jackpot. The money you will get without expecting can confuse you as you try to figure out what to do with the money. Don’t worry. There are many things one can do. 

People are looking for money, but the way you will spend the money after getting it will matter a lot. For example, you may like to invest the money so that it can grow. It is a good idea, but you need to research and know how you can invest the money.

Things to do with unexpected money:

1. Invest in the stock market

There are several stocks you can invest in. For example, you can check out all the information on NASDAQ: AMD (Advanced Micro Devices), then proceed to invest. Before you commit your money in any stock exchange, it is essential to check out the essential tips that can make you get the best deals. 

There are many things you need to learn before you can venture into the stock exchange. For example, it is essential to check out several brokers available then decide on the best. Working with the best broker will make it easy to get the best deals. Apart from investing in stocks, you can, as well, invest in penny stocks. Always ensure you research and get the right tips before you invest. Some people rush to invest after they get a lot of unexpected money and do not do research. This can cause you to lose money. 

2. Pay taxes

Before you start worrying about investing money, you should ensure you have paid all the taxes that can come with unexpected money. There are some regulations put in place to allow you to pay taxes if you win a huge sum of money from different sources. For example, you may be required to pay some amount after you win a given game. Ensure you check out the taxes you are supposed to pay before you can proceed. 

It is necessary to ensure you pay off all the taxes to avoid cases where you can use all the money, but you end up in trouble due to unpaid taxes. Working with an accountant is necessary because he will be in the best position to advise you about the right steps to take.

3. Start an emergency fund

It is good to set money aside so that you can use it in case of an emergency. Having an emergency fund will be a great way to avoid misery in case of incidences. Bad things happen, and it is essential to put aside money that you can apply to take care of such issues. There are several ways you can set aside the money. You can open an account and save it, or you can buy an asset that you can easily dispose of in case of an incident that requires a lot of money. It will be easy to take care of unforeseen incidences if you can take the bold move and save money to help them during crisis times.

4. Pay off debt

You may have accumulated a lot of debt during your hard times. The unexpected money that will come your way should be utilized to pay off the debt. When you pay off your debt, you will improve your credit score. It will be easy to get a loan later if you can take the necessary steps and pay the debt. Start with an urgent debt and then move to those that may not be too pressing.

5. Buy stuff you love

You love some stuff, but you are unable to buy them due to a lack of funds. You can invest the money that you have accumulated to buy such stuff. For instance, you may have been dreaming of owning a family home in a given place. You can invest your money in buying the home. If your family members would like to go for a vacation in a certain location, you can, as well, take them to such places and all of you will enjoy the money apart from saving and investing.

All of Your Top 5 Credit Card Debt Important Questions Answered

0

If you use credit cards frequently, it should be clear how useful these assets are these days. We need them for various uses like online shopping. They’re simpler and more efficient to use than cash, and they can help us keep track of our spending. A significant point to remember is that these cards accrue debt quickly when used, and sometimes this can become a nightmare. Unless you know how to manage credit card debt, it can be overwhelming. Do you have any questions about credit card debts? Read on to find answers to the top five questions people ask on the same.

Which Credit Card Should Be Paid Off First?

Sometimes you might be carrying numerous credit card balances every month and wonder which card should you pay off first. If that happens, an efficient plan is required. Should you clear with the credit card with the highest interest rate first? Probably yes, but it’s not a matter of numbers. The best thing to do will be to apply the debt snowball method, which entails paying off the smallest balances first then moving to larger ones.

When you clear the smallest credit card balance, which will be easy to tackle, you’ll be motivated to proceed to the next. Repeating the procedure is a sure way of knocking off one card debt after the other until you finish all of them. If you begin with cards with the largest debts, it might be challenging and get you discouraged in completing the payments. With the snowball method, list all the debts from smallest to largest. When paying, ensure much money goes to the smallest debt while making minimum monthly payments for others too. Do so until that one is paid off and proceed to the next.

Is Credit Card Debt a Bad Idea?

If you’ve used credit cards for some time now, the answer may be clear to you, depending on how the cards work. What if you’re new to the game? Most of us know that credit cards are a normal and routine part of life. When beginning to use them, it seems fun and starts simple. You can cover emergencies and shop whatever your card can afford; it doesn’t look like a big issue. Even so, sooner, the minimum payments begin to grow and become hard to pay off.

Within a short period, you have considerable debt. Do you still wonder if a credit card debt is a bad idea? If you don’t possess one, it’s okay. You can survive on the little earnings and save whatever you can. But, if you own a credit card (s), keep it up because there are benefits to enjoy from them like rewards/hacks. Only make sure to follow the right way of debt payment and be debt-free. You can research various ways to manage credit card debts and get rid of them. The decision to have a credit card debt or not is entirely personal.

What Happens If I Don’t Pay My Credit Cards Debts Anymore?

You can become overwhelmed with the debts and give up paying them. What happens if that occurs? There are consequences, and these apply even if you only forgot to make a payment. Late payments will show up in the credit report after 30 days of the default. After 60 days of non-payment, you’ll be penalized for a higher APR and have to restore the original rate by making six consecutive payments.

Finally, if you completely fail to pay off a credit card debt, the credit card issuer will freeze the account, charge it off, and submit the reports to a collection agency. That will occur after six to nine months, depending on the issuer. After that, legal action could be taken against, resulting in worse consequences. All that can be avoided if you plan well to clear your credit card debts. Please consult a financial expert on how you can deal with credit card debts and get rid of them. 

How Long Does It Take to Pay Off a Credit Card Balance?

Unlike bank loans or other debts that you may owe people, credit card debt revolves. That means there’s no specified condition determining how long paying it off will take. Creditors always rejoice when clients meet the minimum payment requirements. Better still, you can always pay the debts faster to save more money and limit debt-related risks. Doing so requires keeping your account up-to-date and not falling behind. Use the available ways to avoid penalties like high APR and getting your account sent to collection agencies.

What If I Pay Off My Credit Card Debt Every Month?

Yes, everyone can do that. Even if someone might feel there’s no big deal provided that he can pay off the balance each month, shrewdness is necessary. The big deal is that credit cards have an average balance, you can lag on bills, and research indicates more spending when using credit cards than cash. Thus, even for anyone that thinks of efficiently managing the amount of money spent, there are pitfalls. Late payments and penalty fees can grip us and pile up.

There’s absolutely no perfect way of credit card utilization, and anything can happen to your disadvantage. The credit card companies need profit, and that means using their services isn’t a smooth course. They know that you’ll spend more and accumulate much debt. The result? They’ll benefit while you pay them the balances with high interests.

So, even if you can pay off the debts each month, a single missed or non-payment is enough to devastate you. It can steal more than your paycheck and put you into serious money problems. Why not check this helpful site loan advisor to see how best you can deal with this issue?

The Bottom Line

Credit cards are useful to people in many ways. You can purchase things with them even if there’s no money in the account or cash in the pocket. We love credit cards and would want to use them more and more. But, there’s the sad news; credit card debts and their frustrating nature, mostly if not correctly handled. Fortunately, you can overcome them. Consider the above questions and many others about credit card debts before you move on.

How to Buy Cryptocurrency With Bitcoin ATM Machine

0

As the world ushers in the new digital trading in cryptocurrency, many might be wondering how possible it is to purchase and sell the coins using an ATM Machine. The Bitcoin ATM machines provide more comfortable, more effective, and convenient ways of buying the cryptocurrency, functioning similarly to bank automated teller machines. While the banks ATMs give out dollars or paper money, the Bitcoin ATMs give out digital coins. This article discusses the various possible ways and steps through which bitcoins and other cryptocurrencies are purchased using an ATM machine. 

Using a Bitcoin ATM

The Bitcoin ATM is usually simple and easy to use for purchasing the digital coins for money. Having a Bitcoin wallet on the smartphone makes the process much easier because the steps are often displayed on the screen. It starts by visiting the nearest Bitcoin ATM kiosk, where the buyer selects the option ” buy bitcoin.” Usually, there are terms and conditions to be adhered to while conducting any transaction at the ATM. These ensure that the security details of the user’s identifications, such as names and phone numbers, are valid only for the intended buyer. Moreover, the requirements lower the probability of the owner’s account being accessed illegally. After verification and identification steps, the ATM indicates the current exchange rates of the Bitcoin to the purchaser. The buyer is then required to fill the amount of cash, respective of the Bitcoins to be purchased, and hitting the “buy bitcoin” key. The machine prints the transaction receipt at the end of the process. This receipt is to be kept safe because it carries the bitcoin redemption code. The code, together with the buyer’s phone number, is used to redeem the purchased Bitcoins into their digital wallet on their smartphone. This process is illustrated further in the following section.

Locating a Bitcoin ATM Machine

When planning to purchase the first digital coin using an ATM machine, one must find where these services are offered. The Bitcoin ATMs are, in most cases, located in places such as open shops, restaurants, and cafes. The machines could also be found at business junctions whose owners embrace the new innovations in digital currencies. Similarly, CoinATMRadar, Bitcoin ATM Map, and Coin ATM Finder are popular Bitcoin ATM finders used in locating these ATMs.

Opening a Bitcoin Wallet in the Phone

This step comes before visiting the nearby Bitcoin ATM. As one considers purchasing the cryptocurrency using an ATM, it requires that they download and install a digital mobile wallet on their smartphone. Currently, numerous digital Bitcoin mobile wallets are used by cryptocurrency traders. For instance, many people prefer the Blockchain Wallet because it is easier to set up and use. Moreover, this wallet is available for iPhone and Android users. Once it is downloaded, the user registers using their email address, with a confidential password.

Buying the Bitcoin

After downloading the Bitcoin wallet and locating the local Bitcoin ATM machine, one is now set to purchase the digital coins. The general process of buying the Bitcoins using the ATM machine involves;

  • The user accessing the BTM dashboard
    • Identifying and filling in the exact amount of Bitcoin one wants to purchase
    • Filling in the amount of cash to be spent on buying the Bitcoin
    • The user next scans their digital wallet’s QR code to receive the Bitcoin
    • Waiting for the confirmation of the transaction
    • Lastly, the user gets the Bitcoin in their digital phone wallet after the confirmation

In the Bitcoin redemption stage, the buyer must create their personal digital wallet, such as the Blockchain or Coinme Wallet, by verifying their national ID. This ensures the user has their own login details, including an email address and confidential password, meant for their personal account. This process is simple and much secure, lasting only a few minutes, after which the Bitcoin balance is reflected in the digital wallet.

Is It Safe?

In many cases, the cryptocurrency traders may be concerned by the safety of the Bitcoin ATM transactions. This is basically fueled by rampant scamming and hacking issues. However, the security details heavily depend on the company offering the ATM services. Many companies, such as Coinme, prioritize the safety of their customers’ accounts and the location of the ATM and kiosks. The ATM joints are strategically located in open areas and easily accessible. Moreover, special crews of engineers and developers ensure the level of security in the digital transaction meets their customers’ satisfaction, coupled with a 24/7 customer care service. In this way, the ATM transactions are least hit with cases of hacking or loss of money.

Are They Legal?

The Bitcoin ATM kiosks are currently growing in number in many countries worldwide, raising concerns about their legality. However, certain regulation measures are put in place by governments to legitimize the operation of the ATMs by various companies. For instance, companies like Coinme need to have Anti-Money Laundering and Know Your Customer in place to be allowed in the market with ATM services. Among other state regulations, Bitcoin ATM operators have to register for a Money Transmitter License. These steps ensure that the ATM transactions are legal and operate under the state-level security standards, with the least mal-practice and guaranteed customer satisfaction.

The Bottom Line

This article has helped enlighten cryptocurrency traders on how to purchase the digital currencies through the Bitcoin ATM. This is achieved using the digital Bitcoin wallet, which is downloaded and installed on the smartphone. Transactions through the ATM machines are more straightforward, more effective, and take less time, becoming more convenient to customers. However, using the ATM comes with higher transaction fees. Therefore, users are better off selecting the best exchange rates that charge lower prices depending on the number of Bitcoins to be purchased, before carrying out the transaction. With blooming technology, many cryptocurrency traders are finding it to buy and sell Bitcoin at improved convenience. Using the Bitcoin ATM is just one such way. Therefore, consider buying the digital coins using the Bitcoin ATM machine using the steps outlined in this article. What if you want to invest in cryptocurrency? it would help to seek advice from legit sources, such as A1 Credit. They will help you make appropriate decisions, especially on the cryptos to try out.

What Are the Key Benefits of Singapore Savings Bonds?

0

All around the world, investors want something to put money into to get returns. Some go to the extent of taking a loan to start investing. Some invest in real estates, stocks, assets, and other bonds. For bond investors, this is a much better course to take than those alternatives. If you know about this investment alternative, don’t you think it’s time to add it to that investment portfolio? Singapore Savings Bonds (SSBs) are an ideal solution to your investment desire.

In this blog, we’ll see the reasons why you should invest in SSBs. What are the key benefits? Let’s discuss.

What Are Singapore Savings Bonds?

You’ve probably heard about the term “bonds.” In some scenarios, it can be used to mean something different from an investment type. But, that’s not what we’re discussing here. What is a bond? Think of bonds as loans that you give to companies or governments; they borrow these monies from you to finance projects, perform other operations, or even repay other debts like what Instant Loan mentioned.

The borrower (company or government) becomes the bond issuer while the lender (you) becomes the bondholder. Bonds include; – the loan terms, the maturity date (when you’ll get the principal amount repaid), and coupon rate (the interest rate to be paid).

These loans are a form of a fixed-income investment since the lender receives returns on a stable, fixed schedule. What about SSBs? Are they different? Let’s see.

Singapore Savings Bonds are specially structured government securities offering accessibility and suitability to investors. They were introduced in 2015 by the Singaporean government, and their features include; – monthly issuance, non-tradability, individual eligibility, and flexible redemption. The benefits accruing from these features are numerous, and no investor would want to miss out.

The Key Benefits of Singapore Savings Bonds

Have you ever been curious about investing in bonds? What was the stimulant? SSBs are the best way to kick off that dream. Unlike many bonds, you get more advantages with the SSBs. Nothing thrills like dealing with one of the most economically stable governments in the world. Here are the significant benefits of SSBs:

  • They’re A Safe Investment. Every business has risks, and none is immune to them. Bonds are always considered safer than stocks, but with SSBs, you’ll be dealing with the safest form of bonds. Company bonds are riskier than these special types of bonds. SSBs are backed by the Singapore government, which has a strong “triple-A credit rating.” That means the government has zero net debt making the bonds practically risk-free. You cannot lose money or fail in this Investment; the default chance is close to zero.
  • They’re Long-term and Highly Liquid. While other bonds have restrictions about the duration they take, the SSBs are long-term and allow for up to ten years term for Investment during which the interest increases with time. The longer someone holds to the bonds, the higher the returns will be. SSBs are also more liquid than long-term fixed deposits, and with only a one-month notice period, you can have high liquidity.
  • Flexible Redemption. You’re not locked into how long the Investment should be; it’s upon you to determine the investment period. Investors can choose to exit at any time they wish without any penalties. If you feel like terminating the Investment even after a year, there’s the freedom to do that. You get the full money back, including any interest earned.
  • Better Interest Rates with Regular Payouts. While the interest rates might be low, they’re higher than what the local banks. Further, investors get regular interest payments every six months. This offers a more regular income than bank savings accounts/ deposits which provides limited and less frequent interest withdrawal. 
  • Low Starting Cost. You don’t need to be rich to invest in SSBs. With only $500, you can start buying the bonds. This applies to all Singaporeans who are 18 years and above. The transaction fee for buying or selling a bond is only $2. The bonds are also tax-exempted unless stated otherwise.
  • Investment Portfolio Diversification. SSBs are an excellent way to diversify a portfolio and reduce the investment-related risks of putting all eggs in one basket. The Singaporean dollar in which SSBs are denominated is a stable and safe currency worth adding to your portfolio, especially if you’re a foreigner. Through them, you can save for retirement as they’re secure and flexible.

How To Buy Singapore Savings Bonds

Purchasing the Singaporean government bonds is relatively easy and involves a few legal requirements. First, you need to have a Singapore bank account and CDP securities account with direct credit services activated. That will enable the interest earned from your SSB to be credited into your account. Once you have them, you’re ready.

All SSBs at any time have a minimum starting cost of $500 and a maximum of $200,0000.

New bond issues are released at the beginning of each month after which investors have three weeks to apply for the bond numbers they wish to buy. You can either place your bid through the online banking account or by using smart ATMs.

To apply through the bank account, log into the online account and then select Investment>Singapore Government Securities>SSBs>Cash.

Finally, enter the CDP account details and confirm the application. The same procedure applies for using an ATM also except that you’ll use the card and input password as the login details.

If the application is successful, you’ll get a mail notification of the SSBs amount allocated to you. A limited amount of bonds is issued monthly, and not all bond orders are filled. You may or may not be given the full amount you applied for depending on the demand. Once you get officially issued with a bond, interest payments will begin every six months after that.

The Bottom Line

Investing in bonds has never been made efficient and reliable, like doing so with SSBs does. The Singaporean government assures all investors of credibility and safety of all their investments with it. By creating a low-risk, extremely conservative, flexible, and high-liquid SSBs, it guarantees worthwhile bond investment deals. Why not grab the benefits accruing from SSBs and increase your portfolio? 

Biodegradable Trash Bags: A Better Way To Dispose Of Your Rubbish

0

As the trash starts to build, it’s becoming more and more evident that it’s not just trash that needs to be biodegradable… it’s the trash bags that encase the trash too.

Keep reading to learn why a positive change needs to be made. 

The Problem Trash Bags Cause To The Environment 

Most people don’t consider what happens to their trash bags after they have left the house. And in a way, no one can blame them, who wants to think about trash.

The thing is, people should be!

Plastic trash bags only add to the ever-growing mountain of garbage being produced worldwide. Waste systems are already struggling to keep up with the demand people put on them.

And by adding more non-biodegradable trash to the system, it’s only making things worse.

In the US alone, they generate nearly 3.5 million tons of plastic and produce well over 250 million tons each year. This is more than any other country, and it’s only going to worsen unless people start acting.

For trash to biodegrade, it needs to be exposed to certain elements:

  • Oxygen
  • Sunlight

When these two elements are combined with moisture, trash starts to biodegrade quickly. 

The problem is:

Trash doesn’t receive any of these things locked inside a bin bag.

And this is where biodegradable trash bags come in handy. 

https://lh4.googleusercontent.com/IuuQI8atHZUg7a39Ufh9yCXIGCNoixKw5cCb-mVkr2oKZHwHcek-5E1njRNGaUnJjs5ANK1EnoMa0LhKKb_TFYBbZAlBVtJSKhlXGll8oeBpv8fMyga2NTDxv9wPZUjEydc_FTjB

Biodegradable bags can actually breakdown in the natural elements. This feature means trash isn’t trapped inside a bin bags for years.

But this isn’t the only benefit they bring, they’re also better for the environment. Plastic trash bags contain very harmful chemicals that can leach into the soil. As the plastic starts to breakdown, pieces of microplastic get absorbed into the environment causing all sorts of damage.

Biodegradable bags are different though; they are made with none harmful materials, so it doesn’t damage the planet. Switching to biodegradable trash bags like these are much better for the environment, but people need to be careful.

Not all biodegradable trash bags are the same, some still use petrochemicals, so in the end, they’re no better than traditional plastic.

The best option is to keep an eye out for compostable bags; they tend to degrade quicker and are guaranteed to have no harmful chemicals behind.

What To Look For In An Eco-Friendly Trash Bag

As mentioned earlier, there are many sharks out there trying to take advantage of people’s love for the planet.

They often use misleading terminology to persuade customers their items are legit. This section will stop that as well as show some other things to consider when buying trash bags:

Biodegradable/Compostable

These are the two most important things to look out for. Any other terminology like, degradable or Bio should be avoided. The chances are they will not degrade, or they’ll have harmful chemicals.

Materials

Another thing that should be considered is what materials are used. Some biodegradable bags still use petrochemicals, which means they may biodegrade, but they will leave chemicals behind in the process.

ASTM Ratings

This is one thing you can check to see if the trash bags are truly biodegradable. For a product to get an ASTM D6400 rating, it needs to comply with regulations. This means it’s a bag that can be trusted.

Size

All trash bags come in different sizes, so finding one that fits the bin is imperative. It helps avoid overflowing bins or sinking bin bags. Think about it, what’s the point of putting a 13-gallon bag in a 15-gallon bin?

Thickness

Biodegradable bags aren’t known for being very thick, which can lead to issues with splits and leaks. Check out the thickness of the bag before purchasing to avoid any unnecessary problems.

Count

Knowing how many bags come with the brand is essential, you see there’s no universal count and you can work out the cost per bag by knowing the count. How many are necessary will depend on the person or business, so needs will vary.

Recommended Biodegradable Trash Bags Suppliershttps://lh5.googleusercontent.com/59R_2Wgpkw-R5Nn_0KGDt0mUahpMGF-Yw10czu1Z27k_JGs_kTcX9CttOKrrX40rB2VPhQlnSMS4NP3qdjmDegOCWcCoPFojLhQ2dLSRqNY_lgsc4zhfpxubqTBq5foOxe4cmuMV

Finding a trustworthy biodegradable trash bag can be tricky, luckily there are a few recommended biodegradable trash bag suppliers. 

These companies provide the highest quality trash bags that are guaranteed to biodegrade, given the right conditions.

Check them out here:

UNNI ATSM D6400

UNNI compostable trash bags are made using plant-based materials and are guaranteed to break down in a home composting setting.

They come in varying sizes, so it’s easy to find a bag to fit any bin. The company also has the option of different count sizes, ideal for a business or a home.

Because the bags have an ATSM D6400 rating, they are entirely BPA-free, so no harmful chemicals are left behind. 

Inwaysin

The company provides a wide range of sizes to pick from, they start at 4-gallons and finish at 15-gallons.

The bags are made with raw plant-based materials so they can naturally decompose with little human intervention. 

One of the best things about the biodegradable trash bags is the thickness. At 1.18 mm, there are no worries about the bag splitting.

Primode

Primode uses corn and vegetable plastic to create their trash bags. Due to this, the bags passed rigorous testing to gain an ATSM D6400 certificate.    

The bags decompose quickly in a home composting setting and will leave nothing behind but nutrient-rich minerals in the soil for vegetables.

These biodegradable trash bags also offer a wide range of buying options, including sizes and quantities.

Rounding Up

Its vital people understand the impact plastic trash bags are having on the planet before it’s too late.

With daily trash increasing due to the convenience of single-use products, trash systems are struggling to keep up.

Compostable trash bags help to reduce the strain on landfills by giving the trash a chance of biodegrading.

And this change can make all the difference.

If anyone is planning on buying biodegradable trash bags, there are a few things that need to be considered, but the main one is:

Please stay away from anything labeled as degradable or bio-based; the chances are they won’t actually ‘biodegrade’.   

Benefits of Clean Air in Your Home

0

Planes, crowded cities, power plants are what come to mind when we think of air pollution. We are all trying to use less plastic and go green, but what if our homes could be filled with poor air quality without us knowing? When you are cleaning your home, it’s easy to see dust and dirt. There is no way of telling what is going on with our air. Unclean indoor air sometimes causes more problems than the polluted air we breathe outside. People with allergies, asthma, or other respiratory problems, are more sensitive to these pollutants. However, with cleaner air, there are so many added benefits. Sleepless nights can become a thing of the past, and allergy sufferers may notice fewer symptoms. Now is the time you started living a better life with new ac filters.

Reduced Allergy and Asthma Triggers

Clean indoor air does wonders for allergy and asthma suffers. As the filter removes the pollutant from the air, those with allergies or asthma often feel a sense of relief. Their breathing may even return back to normal. Even healthy people who have never suffered from allergies can benefit from clean air. Such irritants include dust, smoke, and other particles floating around in the air. When the filter removes the airborne irritants, you will instantly notice a difference in the air quality. By filtering the air, you reduce the amount of exposure your respiratory system has to them.

Without the right air filter, all the dust, debris, and allergens brought in from the outside stays inside. Allergy sufferers continue to have symptoms even after getting away from the pollen and other outdoor elements. However, with the correct filter, the allergens are removed from the air, keeping the symptoms at bay. By replacing the filter monthly, the air will continuously be fresh and clean. People with sensitivities to air pollutants often notice their symptoms improve with the filter.

Even people who don’t have allergies or suffers benefit from the filtered air. None of us need dust, microparticles, pet dander in our lungs, and all the family notices a huge difference.

Improve Your Sleep

If you are encountering lots of sleepless nights or you wake up feeling tired, changing your air filter could be the answer. Sleep deprivation dampens your mood and even gives you anxiety. The increased amounts of caffeine you are consuming to keep you going and then sleeping become more difficult. By filtering your air, you could be falling asleep far sooner than before. Since you are not breathing in dust mites, mold spores, bacteria, and other micro-particles, you are more likely to sleep faster. After all, who can sleep with a stuffy nose, feeling poorly, and sneezing? Don’t you want to wake up energized for the next day, instead of feeling beaten down? The right air filter can get your life back to the way it used to be.

Life is More Enjoyable

With all that clean air and extra sleep, life is only going to get better. Your mood begins to improve, and you feel rejuvenated. When your environment is cleaner, you feel happier. Your days will be more productive, and you won’t feel so weighed down by all the pollutants. To make the change, buy your ac filters and become healthier today.

Every gambler should try online betting on[1] website 1xBet!

0

Exciting pastime on the website of the 1xBet betting company implies not only entertainment but also a great opportunity to receive stable income. To try online betting on website 1xBet, you only need to register on this platform, receive your bonus and place the first bet on a sporting event or play a game of chance of your choice.

With a wide selection of sporting events, even the most sophisticated bettors will find what they need. Events in football, hockey, volleyball, tennis are widely presented on the website of this reliable office. There is even such a popular virtual sport as esports. Moreover, gamblers can bet on the following competitions:

  • cricket;
  • golf;
  • biathlon;
  • darts;
  • dog racing;
  • political and cultural events.

It is worth trying online betting on the 1xBet website to test your luck! After all, easy money can be received in a minute. Plus, in the 1xBet betting office, there will be no problems with withdrawing even big winnings.

image1.jpg

If sport brings you stable income, you can also try yourself in such simple entertainments as slot machines and increase your income even more. Registered users have access to all interesting slots online free casino from famed 1xBet platform.

It’s very easy to play here. You just need to rely on your intuition, luck and be active. It is also good to develop your own betting strategy to start receiving a stable income.

Profitable betting on line on 1xBet for all users after registration

In their free time, players can place any bets on various competitions. The main thing is to choose those sports, which they are well-versed in. All betting on line on 1xBetbd.com will help players earn a large amount of money from the very first bet.

The bookmaker company takes care of its registered users, offering them a lot of additional features:

  • participation in bonus and loyalty programs;
  • receiving a beneficial bonus in the form of virtual funds for registration;
  • conducting various raffles and promotions;
  • giving out promotional codes.

This allows customers of the office to receive virtual funds and use them. For an experienced player, any type of betting on line on 1xBet will be winning, and large sums of money can be withdrawn from users’ accounts without any restrictions. That is why this office is considered one of the most reliable and safe in the world. On its website, you can win big money, which will later allow you to make bets on the only source of your income and play around the clock.


уник ок https://advego.com/antiplagiat/Ia9NVQCU/

What Color are Road Construction Signs & Which are Most Commonly Used?

0

Road construction signs, bring an extra element of safety and protection to those on the road. Lack of signage during times of construction or road updates, can lead to hazardous situations. From experience, it is good to note that it is better to be on the “abundant” side of having road construction signs that not! One false move, because of a lack of signage, and that could end up being a destructive or at least a very expensive problem at hand.

 Thus, we want to share with you some of our best types of road construction signs, to help with any current or future projects.

What are construction signs designed to do?

Construction signs have the ability to communicate a plethora of specific messages. However, the bottom line for all the messages are warnings of danger. In fact, danger signs are the top signs for job sites that OSHA requires. These signs are designed to warn employees and workers have the highest risk areas.

If you can perceive that a certain project or site has extreme danger, whether by severe injury or death then it is in everyone’s best interest to have danger signs incredibly visible. Those signs are designed, of course, to keep everyone safe, but also to keep from having unnecessary liabilities transpire.

It’s hard to know exactly what is going on when construction vehicles are on site. However,

bold and clearly marked construction signs warn workers or traffic of what is ahead. It can give drivers a clear indication that they need to be clear to slow down, and that they need to follow the messaging on the signage.

Even when there is very evident construction at hand, people may not automatically perceive what to do, or what to look out for. Especially, if they are in their own “zone”, they may not even register it is time to switch gears and really pay attention to what is going on! Having the right signage, can “jerk” them out of the zone to pay attention.

Proper construction signage helps to give a speed range to drivers, to know how to reform their driving pace.They can also be used to help direct construction road crews, and to inhibit loiters from being in the mix. Of course,ultimately to provide and maintain safety all around.

What color are construction signs and why?

The construction industry thrives on having colored signs, to help boldly and clearly communicate, what is happening in a given area. To know and understand them well, will help you to know what might work best for your needs.

Green

This color is typically used for guide signs, pointing out exactly where you are. As well as the distance and which way to go.

Blue

Blue signs let you know that there are services nearby. Those services include hospitals, gas stations, rest areas and lodging.

Yellow

Yellow signs are created to get your attention! They let you know, a warning is at hand.

Instructing  traffic, that it needs to slow down, drive with caution, or any other kind of general warning.

Ever so often a sign might pop up, that is yellow green with black words.

In that case, this kind of sign is warning you about hazards, or even “possible” hazards that are nearby on the roadway.

Brown

The color brown is used mainly in recreation areas and parks. You may also see them at campsites.

Orange

Orange is the most classic color for construction work ahead. This color warns us to be vigilant, and alert that there could be dangers ahead due to construction, or maintenance activities.

Construction signage signals that traffic is to reduce their speed, and to actively keep an eye out for workers who might be helping to direct traffic (as well as workers).

How do construction signs keep workers safe?

On a basic human to human level, having safety signs, sends a strong message to contract workers and employees that you really care about their safety. It communicates that you have thought of everything that could happen, and you have done your part to make sure that everyone is safe.

Proper signage also encourages gaining and retaining your team members.When people feel safe and protected they want to work for you.

If they don’t feel protected and feel like their health and safety is on the line, that’s a risk all around.It makes it a lot easier for employees to go look for other work. Not only that, people talk! When employees are not happy about something important, the gossip and influence to “find other work”, gets hyped up a bit more.

Of course, the biggest benefit for workers, is that it prevents fatalities. You can greatly reduce fatalities (probably even bringing fatalities down to zero), simply by having the proper signage installed.

Signs keep construction workers safe because they may not always know what else is happening on a site. There could very well be other projects going on simultaneously, which they are not aware of. The signs can give work an indication about any additional hazards.

Additional hazards could include falling objects. Construction signs can signal the presence of chemicals and gases, or that large vehicles could be present at any time.

Where can I buy or rent construction signs?

You can buy or rent construction signs at Worksafe Traffic Control Industries. We have a variety of signage, for any kind of construction project, feel free to give us a call or shoot us an email. We would love to be of service to you and help you choose the best construction signs for your project!

In closing, we hope this has helped you understand the gravity of having the right construction signs on your job sites. It covers everyone and everything, from an abounding amount of haphazard situations that don’t need to happen.

Again, if you need any consultation or sign recommendations, please don’t hesitate to reach out to us. We would love to be a support to you!