Author: Emma Deelt

Don't Worry Make Money columnist, make money enthusiast and financial coach.


How To Make Your Office Space Eco Friendly

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In modern times most offices are adopting a linear approach towards a greener environment. More companies even if they are opting for pre rented commercial property for sale in Greater Noida want to be aware to reduce environmental footprint. Even though you might be spending 8 to 9 hours in office, but heaps of paper, consumption of electricity discharge ample carbon dioxide with ozone producing components into the air.

Even if you opting for pre rented property in Greater Noida, you can explore ways to make your office eco-friendly.


Opt for energy redeemable computers

The computers that you purchase should have an energy saving label. Then an individual takes responsibility to work on these machines productively. Various power management aspects like putting your computer in sleep mode, turning off lights of monitor can be adopted. Numerous benefits are attributed as it ensures a long life for your computer. The amount of carbon eliminated is reduced as less power is utilized. From a long point of view, it can save a lot of money.

Reduce travelling time

Nearly half of carbon emissions that arise from an organization are due to carbon emissions because of carbon emissions of the work force. You can diminish this by carpooling or taking up some initiative scheme projects for your workers. If you do not stay far from the office you can walk or opt for a bicycle. You will not only reach in time, but be fit as well.  In modern times, a lot of companies have provided the option of work from home for their employees as it makes them comfortable and reduces travel time to work.


In your organization recycle should be one of the most popular indicatives. Just make it a point to distinguish a bright coloured container in every corner of the office. It should be at a place where individuals would find it difficult to miss. Give encouragement to your employees in terms of reusing or recycling.

Rely on suppliers who opt for eco-friendly mechanisms

There are some companies who rely on eco-friendly mechanisms for office supplies and furniture using recyclable stuff. Reused plastic, vegan leather along with cardboard can be put to use for incorporating furniture (eco-friendly version) it looks incredible and you purchase such stuff for your office. In present days you can pretty much discover eco-friendly supplies like pencils, dairies via the online platform. Just you need to opt for the right one.

Opt for extra ordinary initiatives

Certain added initiatives would be a definite value addition to your office from an environmental perspective. It could be the world environment day, going for a tree planting drive with office staff, a paperless day at your office along with a lot more. It would not only help your business, but provide you valuable inputs on how to go ahead.

Last but not the least you can reduce the amount of paperwork you use in the office. In digital era digitalization is a standard norm.


Pros and Cons of Getting a Payday Loan

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A payday loan is one of the very common loans that you’ll encounter today. Singapore payday loans are common to personal loans, but they have shorter time periods and higher interest rates. According to financial advisors, relying on payday loans can be damaging over time because the rates and penalties are too high. There are stories of some people who became slaves to payday loans because they couldn’t pay at all. However, a payday loan shouldn’t be a bad thing once it’s properly managed. It’s an emergency fund that can save you whenever you have financial shortage. By knowing the pros and cons of a payday loan, you’ll realize if it’s useful for you or not.

Releasing Time

Singapore payday loansUnlike other kinds of loans, a payday loan can be released quickly. The lender usually releases the loan at the end of the day. This is very important, especially if you need the cash as soon as possible. Due to its quick releasing period, the payday loan appealed to middle class and rank-and-file employees.

Background Check

While payday loan lenders conduct background checks to some extent, it’s not very meticulous when compared to the process of banks. Usually, you just need to present your ID and billing statement. This appealed to lots of people as well, but you have to keep in mind that your identity is still on the line.

Interest Rates and Penalties

Perhaps the major downside of a payday loan is its exponential interest rate. Up to the next payday, you have to pay the principal along with the interest. This process is similar to other loans, but the window of time is shorter. If you cannot pay the interest, most lenders will have penalties, so you’ll have a hard time finishing the loan.


Payday loans are less volatile compared to mortgage loans and auto loans, but they are viewed in a negative light. This also doesn’t mean that payday loan lenders won’t change their rates according to the flow of the economy. Lenders will always attempt to read the market, and this may cause drastic interest rate spikes. If you really need a payday loan fast, go to a lender that offers standard interest rates and has a fair lending system.

Before going to a payday loan lender, make sure that you’ve exhausted all of your possible options. In this way, you don’t have to deal with a high-interest loan bearing on your shoulder. However, if you really need to apply for a payday loan, just do your best in paying it before penalties kick in.


Tips to Avoid Predatory Lending

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Flexi loans in Singapore were created to help people deal with their financial mishaps. Aside from that, loans are meant to stimulate a nation’s economy and they are also some of the contributors of progress. Those are the positive things about loans. However, there’s also a negative side that has troubled many financial experts for years: predatory lending. This is a crooked strategy where lenders victimize people into getting attractive loans. Afterwards, those people will be charged with outrageous monthly rates, along with some hidden fees. The lenders make profit in this method, while the borrowers continue to sink in debt.

Do you want to know the tell-tale signs of predatory lending and avoid it like a plague? Take note of these simple but important tips.


Get a List of Reputable Lenders

Flexi loans in SingaporeWithin your area, there’s a big chance that you’ll find a bank or financial institution that offers various kinds of loans. Don’t rush into the first bank that you see—it’s better to create a list of options so you’ll know which ones offer the best loan programs. In most cases, it’s better to trust a bank than a small-time lender. The loan application process may be long, but you’re definitely on the safe side.



Watch Out for Low Monthly Rates

 Finding a lender that offers low interest can be a blessing. On the other hand, it’s also one of the possible signs that the lender is up to no good. Before applying for a loan, it’s good to have foreknowledge on the ‘acceptable’ interest rates in the lending industry. A very low monthly premium means that you’ll compensate for something else – like unbelievable hidden fees. Also, remember to read the document of the transaction so you can avoid getting ripped off.


Seek the Advice of Qualified Loan Expertsreputable lenders

Since loans are the most common aspects of finance, there are lots of experts that are willing to help you. You can find an expert in a loan forum or association. While not all experts can be trusted, you can keep a small logbook that contains their pieces of advice. Be objective in following the ideas of the experts so you can still make your own decisions. Occasionally, these experts will share their recommendations of the best lenders out there. Take all recommendations with a grain of salt.


As long as people need loans, predatory lenders will always remain. The best way to arm oneself against such practice is diversified information. Stay ahead of the game by expanding your financial knowledge.


What Your Loan Providers Won’t Tell You

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In every great and attractive loan package, there’s always a talented Singapore licensed moneylender behind. Today’s top lenders are banks and financial organizations, and they have thousands of clients eager to take out loans. However, with loans programs changing often, you must learn how to strategize and think ahead of time. While it’s important to talk about your loan providers, you have to read between the lines. Basically, you need to know about the things loan providers won’t tell you.


Hidden Costs and Fees

 While most trusted Singapore moneylending companies advocate transparency today, there are some who will charge you with various hidden fees all throughout the transaction. This is common in mortgage loan transactions where costs can sometimes go overboard. To avoid incurring such fees, you need to be aware of any document that you’re signing. You have the right to question everything since you are the client. If you think that the loan representative is not being honest with you, then it’s time to look for another lender.


Some Factors Affecting the Loan

 most trusted Singapore moneylending companiesDuring loan transactions, the lender is required to disclose all necessary information, such as amount of loan to be released, monthly interest rates and principal, related paperwork, and many other things. However, lenders sometime withhold some information that will have profound effects on your loan. A fine example is economical oversight. The representative will usually give you general assessment of the market—it’s up to you to analyze the economy. In fact, understanding the economy will put you in a better position. You’ll somehow predict how high interest rates can go, and you can avoid lenders who’ll just take advantage of your money.


Degree of Confidentiality

 With banks and respected financial organizations, your identity is secured. However, you still need to be careful when transacting with lenders. During the transaction, observe if they lender is asking for too much personal information. This is very important, especially when dealing with small-time lenders, such as those who are lending payday and personal loans. To find out the reputable lenders, simply run a search in Google. Additionally, you can ask your friends for recommendations. In the Web, you can usually find clients who are reviewing lenders and organizations. Check out their reviews so you’ll learn more about their experiences.


Right now, it may be challenging to find a lender that you can trust. It’s better to be an intelligent borrower nowadays. Know your rights, limitations, and capabilities.


Why You Should Get a Computer Loan Today

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Having a computer in your home can definitely make your life convenient. At your whim, you can browse the Web and get any information needed. You can even send out important files and messages to friends and relatives. If you’re feeling bored, you can play computer games. In this modern age, a computer is not a luxury—it’s a necessity. Do you want to get a computer or laptop but you’re tight on a budget? In that case, you should consider applying for a computer loan.


Computer Loan Basics

 A computer loan works like any other loan that you can think of. Whenever you apply in a bank or financial institution, they will review your credit and paperwork is required for documentation. Once the lender has proven that you have a stable source of income, there’s a big chance that your loan will be approved. After that, the lender will finance the purchase of your new computer.


Your Responsibility

responsible lendingNow that the lender has given you the money needed to buy your computer, you have to be diligent enough in paying what you owe. Typically, lenders agree on a monthly payment basis—interest and principal included. If you fail to pay on time, the lender can charge you with a penalty fee or repossess the computer. To avoid this from happening, you must have proper loan management strategies. Note down the strategies that you’re going to apply to pay the loan. If possible, you can cut corners to lessen your monthly expenses.


Different Models for Different Loan Programs

 Before applying for any computer loan, you must have a specific model in mind. In this way, you’ll have an idea of the performance level of the computer that you want. Commonly, banks are tied in to computer manufacturers and you’ll be given few computer choices. Each choice may have a different loan program or scheme—it depends on your decision and payment capability. Don’t settle for any model offered by the lender. It’s always better to have as many choices as possible.


Loans Are Becoming Competitive

 Due to the growing demands in most commodities nowadays, lenders are frequently juggling their rates. There’s a big chance that you’ll get a computer loan with a very low interest rate. Additionally, computers and laptop models are changing rapidly. You can now secure an advanced unit with a strategically placed loan.


Time is an important factor if you want to get the best computer loan within your area. So, do your research and apply to the nearest bank or lender now.


The Advantages of Getting a Mortgage Loan

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A mortgage loan is considered an economical and manageable strategy if you want to own a house right now. This is also one of the most popular types of loans, and also one of the hardest to maintain. The major downside to a mortgage loan is its lengthy span of time. Commonly, financial institutions offer 15 or 30-year programs. This can be challenging to most people, especially those with many expenses. In addition, the economy is always changing, thus affecting interest rates.

While a mortgage sounds complicated, it shouldn’t overwhelm you. Getting a mortgage today entitles you to various advantages.


Numerous Mortgage Schemes to Choose From

 Banks are creative. If they think that one mortgage scheme is not working, they’ll come up with another, hoping to attract more clients. Mortgage loans are better today because you have more programs to choose from. These programs are flexible and you’re free to choose the adjustments that you want to make. Do you want a shorter time period? Or perhaps you want a lesser interest rate in exchange of longer time? With such variable choices, you’ll be more confident in making a pick.


New Home and New Life

new homeLiving in a cramped and dull apartment shouldn’t be your end goal. You should set your eyes on the real prize: a true family home. With the introduction of mortgage loans, this dream is now within your reach. In just few days after your mortgage loan application, the bank will probably approve and finance your home. If not, you can look for other banks out there. A mortgage gives you one step closer to a better life. Just be responsible in paying what you owe.


Some Privileges and Perks 

Along with flexible programs and ideas, banks and organizations have also offered additional privileges. These can be a useful gadget that comes with your mortgage loan, or grocery rebates. Freebies are also included to stimulate the client’s interest. While these perks don’t actually add up to the loan value, they are still considered as one of the driving forces that can affect a client’s decision.


Mortgage Trains You to Be Vigilant

Mortgage is responsibility—it’s not like candy that you can just toss around. If you’re not diligent in paying your monthly dues, the bank will foreclose and evict you out of the home. Nobody wants that. With a mortgage, you’ll be on your toes and you’ll check every dime that passes on your fingers. This vigilance and sense of responsibility will be useful in the coming years.

Before getting a mortgage, you should assess your life situation. If you think you’re ready, simply approach a nearby bank right away.