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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...

When Women Have Affairs

Virtue is insufficient temptation.  ~George Bernard Shaw Sometimes, things just have a way of crawling under your skin or tantalizing your senses before you even interacted with them. It is caused by a sound or a smell or a name that conveys good or bad feelings. Sometimes, the images a name conveys already send your mind into overdrive. This is what happened to me when I first encountered “One flight up”. The name intrigued me enough to pick up the book and read the back...

Don’t do Business with Elohay Wills, Noga Wills or Eco-Tropics

Don’t do Business with Elohay Wills, Noga Wills or Eco-Tropics    Elohay Wills Botanicals, Elohay-Wills Ltd., Noga Wills and Eco-Tropics are the same company operating under different names. All these companies are represented by one Nsor Ojiji. The person may have donned other identities in recent times. There is no credible online profile of the person or of the company. The official website of the self claimed exporter of African spices, herbs and botanicals has limited...

Why Books Are Better Than Movies

'Books give a soul to the universe, wings to the mind, flight to the imagination and life to everything', a very poetic way to look at books. But the reality of the matter is that in this digital age, there aren't many people who believe that books are better than movies. Reason number one, according to the film lovers, is that reading a book takes too long! What they don't know about are the hidden gems, feelings, worlds, imagination and sensations that can only be felt, experienced and...

Vaping For Beginners - How to Use Arizer Solo Vaporizer

Got the brand-new Arizer Solo or planning to buy it? Sounds great, but do you know how to use it? Don’t freak out, below we will discuss how to use Arizer Soloto make the most of your vaping sessions. Stage 1: Turn On the Unit To turn on the Arizer Solo vaporizer, you need to press both the up for a couple of moments. It will beep once and after that start to warm up. The sound capacity can be turned on and off by switching on the unit and pressing down the up button for roughly 3...

5 Crucial Things to Know Before Getting Into Your First Job

Starting the first job is an overwhelming experience. The excitement to enter the workforce officially is boundless, but the anxiety to meet the responsibilities and expectations gets on our nerves. From your friends to parents and even professors, everyone gives you their best advice for being the very best at your first job. But even with all their valuable and intelligent instructions, a few things might take you by surprise. Like every college graduate, you may also be imagining your first...

What is the difference between ELSS and mutual funds?

Most of the millennials understand the importance of saving. And the only way to save is to invest rightly.  Apart from our regular RD’s and FD’s there are other ways to invest where you can expect high returns. Yes! ELSS (Equity Linked Saving Scheme) Mutual funds are now considered as one of the top investment options by industry maestros. But, many people are still not clear with the difference between these two. One might feel that ELSS and mutual funds are different...

Is hair Transplant a Painful Procedure?

Hair loss is one of common and rising health-related problems faced by many people worldwide. Along with the increase in the number of people affected by the problem, the hair transplants have become immensely popular as the best way to restore your hairs and lend a natural look to the person. A few decades ago, the hair transplants were considered a luxury and we only heard the stories of celebrities undergoing hair restoration to transform their looks. But, with the advent of modern...

Top 10 tips to consider before getting started developing an Application

“In year if 2020 there will be an extensive acceptance that the World Wide Web is less significant and beneficial than in the previous and apps are the leading issue in people exists”, so speaks about the Internet, Science and Tech division of the Pew Research Centre. Provided the colossal progress in mobile app technologies and the speedy growth in the usage of apps, the Mobile application design company needs to be hired for the best app development. With such penchant...

Making Friends and Building Friendships that Last

Everybody in the world has succeeded by the help or assistance of someone in their lives they hold dear because of a bond called friendship. One may not have too many of them but each person must have at least one friend who shares in his or her dreams or ideas towards the future. A friend is simply a person other than a family member, spouse or lover whose company one enjoys and towards whom one feels affection. Friends are people with whom you can share your past experiences, present and...


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