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What is a Letter of Credit – Definition, Types, and Uses

A Letter of Credit, or LC, is a financial instrument. Banks and similar institutions, such as creditworthy financial service companies, insurance companies etc., issue it as a guarantee payment for goods and services when a seller provides all acceptable documents. There are three participants in a Letter of Credit – the beneficiary, the applicant, and the issuing bank. The beneficiary is the person/company who would receive payment. The applicant is the buyer of goods and services who...

How Many Credit Cards Should You Carry?

Credit cards often offer several benefits such as free warranty extensions on purchases and free insurance schemes. But credit cards can also create havoc on your budget – the many stories of overspending and late fees can attest to that. The final truth, however, is that credit cards come with advantages, as well as disadvantages. As long as you can manage to have several different cards and don't miss payments, they're easy to handle with no dire consequences. But what is the optimal...

How to sleep without neck and back pain

Doctors repeatedly said: a good mattress is a chance to save a lot of forces that used to be spent on "biting your teeth and enduring". But a full sleep depends on many nuances. You never know exactly which rule will work in your case. So here are some more tips for relaxing without back pain. Is it hard to sleep? A healthy back is a flat back. Do you agree? Then let it be in a dream, you will have a beautiful posture! To do this, you need to choose mattresses that allow you to support the...

A Definitive Guide on How You Can Become a Successful Barista

Do you think that anyone who can prepare coffee can be considered as a barista? If you think so, then let me tell you that you are living with a misconception. The reality of the job is not that easy as you are thinking. When it comes to becoming a proficient barista, you need to learn operating various types of fancy machines. Apart from this, you should also memorize the complicated recipes for preparing coffee. Many of us are fascinated about joining as a barista. The cool ambiance of the...

Cover Your Expenses with Low-Interest Rate on Loan Against Property

A low rate of interest is the only factor that customers look for when finding a loan. Hence, financial institutions also compete with each other for offering attractive interest rates. You can avail loans under two categories – secured and unsecured. The interest rates of these are considerably different.    Unsecured or collateral-free loans don’t require the customer to pledge an asset with the lender. However, these loans come with considerably higher interest rates....

Shipping to Indonesia?? Here are customs regulations you should know

If you are planning to buy products from abroad and get them shipped to Indonesia, it’s important to know the customs rules and regulations thoroughly. You don’t want to risk getting your package sent back, rejected or charged with heavy import duties. Indonesia has many detailed customs regulations and requirements that you need to be aware to avoid delayed shipments and expensive mistakes. Here are Custom Regulations - Customs in Indonesia is quite stringent. Some of the...

Why Is Mirae Asset Emerging Bluechip Best Mid Cap Plan?

  Living with its bluechip tag, Mirae Asset Emerging Bluechip Fund makes every sense to allure investors towards itself. Keeping the best stock selection as its primary concern, it has been providing the best returns in its category. The fund management team focuses on high growth and quality companies, which help the fund in performing in the long run. So, if you are interested in investing in the fund, walk down through the details provided below:   About the Fund: Mirae Asset...

Resin vs Tarmac

There’s not much we can do to prevent the wear and tear of driveways. They are constantly exposed to the weather and also have to take the weight of vehicles and foot traffic. This means that It is inevitable that we will need to have a new driveway laid eventually. This, in turn, means that we will have some tricky decisions to make. With the wide range of options now available to us, choosing a new driveway might not be as easy as you first imagine. Don’t Rush into Making a...

6 Best Flower Arrangement Styles for All Occasions!

Flowers gift is a smart choice when you can’t assume to a gift suits to their personality. It is one of the most prominent selections of gift worldwide. Whether it is a birthday, graduation, baby shower, housewarming, flowers bouquet is the finest example of showing your emotions. There are lots of creative minds who adorn it beautifully. Yes there are so many flowers arrangement styles that looks overwhelmed and also express the heartily feelings. We have given some of the examples of...

Go Classy

A lot people have two varieties of clothing in our closets: the of-the-moment, fashionable pieces as well as the classics. They're equally significant, but we have a tendency to put higher value to the latter since, well, they will never go out of style. As you most likely have a lot of them in your arsenal -- the LBD, the pumps, and also the snowy button-up, such as -- there are definitely a few lost. Alternately, there might be pieces you have had for 10 years which could use an update. #1...


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