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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...

Top off your beer, not your tree!

Topping a tree is generally an outdated practice that can often times cause more harm than good. Because of the way trees heal their wounds, you create a situation where the wood then becomes exponentially more susceptible to a variety of structural and fungal ailments.   Topping is the process of removing the top portion of the tree, either for view clearing, line clearance, building clearance, or other cosmetic or safety purpose.   When you top a tree, you leave a large wound at...

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...

No building access control card? No problem if you have new tools

RFID card access systems are being used by most companies to let people within their complexes. But over the previous couple of years, researchers have shown how these systems can be easily bypassed.   Francis Brown, a partner at the computer security organization Bishop Fox, has recently been on the forefront of much of the research. In fact, he identified some of his tools and methods being used in the television program Mr. Robot, that can be noted for highly accurate technical...

How to secure your family’s future with life insurance

Securing the family’s future is one thing that most individuals worry about in their everyday life. It is a valid concern considering the ever-increasing cost of living in today’s world. Individuals who wish to secure their family’s financial future turn towards life insurance due to the considerable range of benefits associated with it. There are different types of life insurance covers available in the market based on one’s specific requirements. Let’s take a...

Interior Design: 7 Cheat Tips to Decorate Your Dear Dwelling

Whether it is an urban-style home in a high rise of ever-growing cities or a fanciful house in some small town, Indian homes manifest a classic elegance. Our rich culture usually inspires the decor of Indian homes. We Indians boost love for colours. However, with time the new generation have developed the skills and expertise to integrate tradition with modernity. And, the top interior design services online work hard to come up with amazing, innovative and inspiring interior design ideas to...

Popular Eyeglasses Frame Materials to Choose from

How often or how long do you wear your glasses? Well, if it’s prescription glasses, you might be wearing your glasses all day long, I guess the only time you will be doing away with it will be while sleeping. For regular glass wearers comfort and durability are big issues. If the glasses are not comfortable, it can really cause you hindrance in your everyday life. It’s the frame material that can do a lot of difference to your choice. Back in time, the glasses were originally...

What Do We Expect Of The Reliability Of Psychometric Tests?

Since there are many facets of ability, interest, personality, attitude, the interests of psychologists are many faceted too. Different psychologists have developed various tests in order to measure many of these facets. Developing of such tests is the most significant factor of most psychological testing. The tests selected are mostly targeted to measure the special abilities on personality attributes of interest. It is also checked whether the test selected is completely sound, and that it...

G10 Force

G10 Force. Many bodybuilders who take energy drinks strategically report several advantages including reduced muscle soreness after hitting the gym, reduced burning sensation during intense workouts and faster recovery. Some products contain alpha L-Polylactate which controls lactic acid production in the muscles responsible for causing post-workout pain responses. The type of sugar used in good energy beverages is also complex and produces the same effects as complex carbohydrates like brown...

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...


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