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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...

Do Your Bit To Preserve The Great Barrier Reef

If your wanderlust takes you all the way to Cairns to see and experience the Great Barrier Reef in all its vibrant glory – experience it, you must! But, considering it is the world’s largest and most complex coral reef ecosystem and a UNESCO World Heritage area, every local and tourist and tour operator must take extra precaution to treat nature’s precious gift with utmost respect!Tourism is by far the largest money spinner on the reef, with the Cairns Great Barrier Reef...

Can You Transfer Personal Loan To A Credit Card?

The idea behind personal loan balance transfer to a credit card involves transferring the unpaid principal loan amount from one bank to another to get an either a decreased rate of interest or an increase in loan repayment tenure or maybe both. Thus the burden of debt on the borrower can be reduced considerably through this process. A balance transfer is not advisable when only a few years remain in the repayment schedule, and more than half the loan amount has been settled already. Some other...

Professional creepers for your memorable day

Getting ready for your big day is really exciting. A lot of purchases and travel makes you very tired at the end of the day. After purchasing the costume and its accessories the next question which arises in your mind is the shoes. Where to get fabulous creepers and shoes for the big day? You will be searching on the internet and visit the nearby showrooms. Do not get convinced with the normal creepers available in the market instead look for something special. T-U-K shoe is the right...

Books You Must Read to Build a Strong English Vocabulary

Reading a book is like getting lost in a different world that is filled with rich characters, exotic settings, and experiences like no other. Every individual has its own reason to read, such as knowledge, entertainment, or understanding. There is hardly a better way to find unusual words and improve the vocabulary than reading a well-written novel. Yes, they are not always efficient, but they are definitely the purest.   Here are five books that will help you to refine your lexicon....

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...

Look for reliability in a real estate agent in Bicton

When investing in any kind of property, you are making a major financial commitment. Taking it lightly or buying the wrong property can be catastrophic to your finances. Such financial disasters can be easily prevented by hiring and a professional and experienced real estate agent in Bicton. While looking for a real estate agent, you should pay special attention to the qualities that he/she possesses. A capable realtor is your best option for landing that perfect property deal. Choosing the...

10 Mistakes Every New Home Builder Should Avoid

Building a new home is an incredibly exciting and rewarding undertaking – especially if it’s your first time. That being said, it’s a huge task, and things can go wrong. These are the top ten mistakes that families make when they build their own homes – and how to avoid them. 1. Location MattersWhere you choose to build is incredibly important. It might seem like a cheap block of land at the start, but it will turn out to be the neighbourhood where you are living and...

Customisation is key to Lease Management Software

If you take a closer look at how finance organization describes their company, products, and services, you will see similar description are used over and over, such as “Innovative”, ‘Customized”, “Tailored”, ‘Flexible”, “Creative”, “Real” etc.  The message seems clear— financing has become a custom business. Financial innovation is still alive and includes many levels of financial intermediaries such as...

How Can We Fight The Battle Against Cancer?

As soon as we hear about cancer we get dead scared. But do we also know that we can cure it? By getting little awareness about this disease we can help people around us managing this deadly disease.Before helping others, we must get familiarise with this illness.   This can be done in many ways as follows:- Attending cancer awareness programs - Many organizations conduct cancer awareness programs time and again. Through their workshops, they make people aware of various types of...


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