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text 2018-05-25 10:04
Avail the Best Office Interior Design Services in Singapore at “CACTUS ART”

If you want to adorn your workplace and give it a perfect corporate look, you need to hire services of excellent office interior designers in Singapore. You can find them at top-notch office interior design company in Singapore. For instance, you can trust upon “CACTUS ART”, which is a renowned name in interior design industry for home and office. The company has vast experience in the interior design arena for all corporate offices and can provide you with highly customized and innovative office interior design services under the budget. The company includes a team of experienced interior designers and architects, who are aware of how to give a beautiful look to the client’s office and make it a right place to work for employees. Over the years, company has been completed many office interior design projects successfully for its global clients.

 

You will get the total solutions for space planning interior design at “CACTUS ART” with perfection. The team of interior designers in house is always ready to assist the client and provides them with stunning looking office interior designs as per requirement. The team works in a smart fashion and makes right plans to design office interior of client according to the corporate rules. They make suitable strategy for pre-design of office inside and will also discuss about it from the client in brief. After the discussion, they will finalize all types of drawings or designs of office to plot them into reality. At last the experts will go to the construction process of all pre-planned designs to execute into real one. Thus, the interior designers of the company plan every work for the client’s office design systemically and make it perfect to get the intended goal.

 

It’s not over, the company specializes in designing interior of all types of corporate offices, commercial, and residential places in Singapore with perfection. Also, the firm provides the best solutions for turnkey projects of corporate clients and executes the plans of designing office of customer in a customized way. Besides, the company provides the best interior design consultancy services, which will be managed by experienced interior designers of the industry. They give right tips to the client how to beautify the look of office and make it stunning to cherish. So, whenever you look for the best office interior design company in Singapore, do not hesitate to call upon “CACTUR ART” in the city and get the job done at affordable charges.

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text 2018-02-15 04:57
Choose ultimate medical center interior design services

Searching for the perfect interior design services can be quite overwhelming where you can get good result. You have to ensure of clearing your doubts by finding their information on their credentials. You should try to find all the right information on their past projects that would definitely lead to feel much satisfied. So, your own good choice can help in getting new designs that would in turn help in suiting all your interior purpose. Cactus Art Design & Furnishing Pte Ltd can help in finding your own style that would really create beautiful interiors that would also make you feel quite glad. By opting for the perfect medical center interior design services, you can really find it much useful to you that would get your purpose solved.

 

At Cactus Art Design & Furnishing Pte Ltd you can expect the best support from the right interior stylist where it would help to identify your expectations that would get fulfilled. By choosing the best color and design, you can find that your requirement has been served. With the best stylish consultation that you can find, it would really help in meeting your purpose where our experts would also help in creating a new look to your house that would never disappoint you for any reasons.

 

By choosing the perfect Office Renovation Singapore it would also help in finding the perfect interior and exterior color scheme making it look quite beautiful and unique. We also assure time effective services where you can find ultimate happiness that would help in adding to your requirement without any worry. With unparalleled vision, our best design consultancy also aims in visualizing entire project implementation process. By understanding all the right and perfect nature of your business, it would be possible to feel quite fulfilled out of it.

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photo 2018-01-08 04:35

The writing process, in two graphs.

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text 2018-01-05 17:23
How to clear all your debts in 2018

 

Millions of Brits overspend at Christmas, leaving them in financial difficulty come the New Year.

 

In fact, a whopping 7.9 million people in the UK will struggle to pay their bills this month after an excessive festive period, according to the debt charity Money Advice Trust (MAT).

 

Severe debt isn’t just a financial problem either. The stress of owing money can lead to mental health issues and relationship breakdowns, according to charity Mind.

 

If your new year’s resolution is to be better with money in 2018, Money Saving Expert Martin Lewis can help you alleviate your debt.

 

The 45-year-old has already revealed the best bank accounts for interest rates on savings, but in his most recent Money Tips newsletter he revealed some key tips for cutting the cost of debt this year.

 

Here are five simple steps to help you pay off your debt quicker:

 

  1. Stop borrowing money

 

It can be easy to get into a downward spiral with debt, but you need to stop borrowing money.

 

Only pay back what you can afford each month or you’ll make the situation worse in the long-run.

 

  1. Identify which debts need paying off first

 

Start paying off the debts with the highest interest rates first.

 

"Use all spare cash to clear it and just pay the minimum on everything else. Once it's clear, focus on the next costliest,” said Martin.

 

  1. Cut credit card costs

 

If you’re currently paying interest on your credit card look for a better option. You will have to pay a fee to transfer the debt, but it will be cheaper than paying the interest in the long-run.

 

Martin recommends swapping to either a Barclaycard or MBNA card to get the longest 0% interest period.

 

Barclaycard

 

Offers 38 months with 0% interest and they offer a low fee to shift your debt.

 

MBNA

 

They also offer a 38-month 0% periods, but a slightly higher fee to transfer your debt.

 

Cut overdraft costs to 0% (and make some extra cash doing it)

 

Martin reveals two key options when it comes to cutting your overdraft payments:

 

  • Switch to a 0% overdraft

 

First Direct offer a 0% overdraft of up to £250 and they also give you £125 to switch to the account.

 

Nationwide Flexdirect 0% overdraft is much bigger, but depends on your credit score. It only lasts a year, so you’d need to have it payed off by then or consider swapping again.

 

If you've a friend who already has a nationwide account, you both get £100 if you switch, via their recommend a friend scheme.

 

  • Use a 0% money transfer card

 

A few specialist cards also allow money transfers.

 

“This is where the card pays cash directly into your bank account, thus clearing your overdraft, so you owe it instead, at up to 37 months 0% - very useful for larger overdrafts,” Martin explains.

 

  1. Cut big personal loans to 2.9%

 

If you’re clever about it, you can get a new cheaper loan to pay your old, more expensive one off.

 

On his website, Martin offers up this useful four-step process to find out if you could save money on your existing loan:

 

STEP 1: Ask your current lender for a settlement figure. This is how much it'll cost to repay your loan in full now including early repayment costs (i.e., the amount you'd need a new loan for to pay off your old one).

 

STEP 2: Work out how much it'll cost you to stay where you are. Check what your monthly repayments are and how many you have left (ask the lender if you don't know). Then multiply the two to see how much it'll cost you if you stick.

 

STEP 3: Find the cheapest new loan for the settlement figure. For borrowing under £3,000, the cheapest route is likely to be doing a money transfer (see above). Above that, a cheap loan wins. Use our free Loans Eligibility Calc to see your likely cheapest deal. Yet remember; with loans, only 51% of accepted customers need get the advertised rate.

 

STEP 4: Find out which is cheaper. Use the MSE Loan Switching Calculator to see whether you should stick or not.

 

Cut store card costs

 

Store cards are basically just credit cards, but a lot of them have much higher interest rates.

 

For example New Look's is 28.9% APR and Argos’ is 29.9%. You can transfer the balance on these to a better credit card too.

 

  1. What about student loan?

 

Martin suggests leaving your student loan while you get your other finances sorted. He said: “While it's counter-intuitive, you're actually better off just to leave it.”

Source: irwinconsulting.strikingly.com/blog/how-to-clear-all-your-debts-in-2018
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text 2017-12-26 15:39
3 obstacles that stand in the way of retirement savings

 

One in three American adults has nothing saved for retirement — here's how to change that.

 

Would you rather have one marshmallow now — or two marshmallows later? It's an iconic scenario made famous by psychologist Walter Mischel, the administrator of the 1960s "marshmallow test" measuring self-control and instant gratification. Most people go for the here and now. Swap out marshmallows with money, and you've got an all-too-common problem for the modern-day: People everywhere feel behind on saving for retirement. In fact, one in three American adults has nothing at all socked away, according to a survey by GOBankingRates. If that hits close to home, never fear. We've laid out some of the biggest obstacles we put in our own way when it comes to retirement saving — plus, how to get past them.

 

Obstacle: Being too optimistic about the future

 

Why we do it: It's an ego thing. We tend to think we're different; we're special and that nothing bad will ever happen to us, say Dr. Daniel Crosby, psychologist and president of Nocturne Capital. For example, we're more likely to entertain the idea we'll win the lottery than to think about our chances of divorce, cancer and other negative possibilities. This type of confidence can benefit us in some areas of life, but when it comes to finance — especially long-term savings — it can hurt us in the long run. Many people who are behind on savings think they'll make up for it by working forever, but unexpected events and health concerns can put a wrench in those plans. In a survey by Prudential Retirement of over 20,000 401(k) plan participants, 22 percent said "optimism bias" was their greatest challenge when it comes to retirement savings.

 

The fix: Aim to compartmentalize your rosy outlook. This type of confidence can insulate your feelings of self-worth and make you happier, but "know it has no place in investing," says Crosby. Block out some time on your calendar to do a "retirement reality check," says Snezana Zlatar, a senior vice president at Prudential Retirement. Use a retirement calculator like this one to see where you stand realistically, and then adjust your savings plan based on the results. And if you don't have a savings plan? It's not too late to make one to get your savings closer to where you'd like them to be. Take full advantage of your workplace retirement plan and any available matching dollars, and automate savings to come directly out of each paycheck. If you don't have a workplace plan, mimic one by automating contributions into an IRA.

 

Obstacle: Letting emotions reign over your financial decisions

 

Why we do it: Whether we like it or not, there's an emotional component to every decision we make. That's why research shows that people with serious injuries to the emotional centers of their brain can't make certain decisions, such as which tie to wear or what to have for breakfast in the morning. The kicker: Since fear doesn't affect their decisions, they tend to beat neurotypical people in investment tasks. The lesson here: "None of us should be suckered into thinking we aren't emotional about money — because we absolutely are," says Crosby. The key is to know how to use those emotions to your advantage.

 

The fix: Instead of letting an emotion like fear or insecurity keep you out of the stock market, flip the switch and use them to keep you aligned with your long-term goals. Research shows that low-income savers who looked at a photo of their children before making a big financial decision saved over 200 percent more than those who didn't. Or, consider values-based investing — putting your money in investments that support causes you believe in — to help you stay the course.(You're less likely to pull money away from funding something you really care about.) And if you're still worried about the markets? Take a quiz to determine your risk tolerance, and then get started with the asset allocation that's right for you. (Many investing platforms offer risk tolerance questionnaires — here are two from Vanguard and Charles Schwab.) "For the average American investor, the risk is not that they're going to lose 25 percent or 30 percent in the stock market," says Crosby. "The risk is that they're not going to compound it fast enough to get to where they want to go."

 

Obstacle: Procrastinating on saving

 

Why we do it: In Prudential's survey, 26 percent of respondents said procrastination was their biggest savings challenge. The idea that our brains are wired for short-term thinking plays a big part in this. Humans are about 2.5 times as upset about a loss as we are pleased by a comparably sized gain, says Crosby, and it can be difficult to imagine a gain so far in the future. Plus, the idea of compound interest — and how much of an impact it can have on our bottom lines — can be hard to wrap our minds around.

 

Good Cents

 

The fix: Think about what you specifically want your own retirement to look like. Then, in your mind, replace the vague idea of "retirement" with something concrete, like a beach house with a view of the bay, traveling with your partner or having more free time to spend with your family. Every time you think about retirement, picture your goal. Even better, look at it every day on a vision board, whether online (on Pinterest, for example) or on your wall. And if you need to give yourself a serious reality check to get moving? "Get educated about how much of a difference a few years' delay might have on your ability to retire on your own terms," says Zlatar. Play around with a compound interest calculator like this one to see how much you could gain in the long term by starting to save sooner rather than later.

Source: irwinconsulting.000webhostapp.com/2017/12/3-obstacles-that-stand-in-the-way-of-retirement-savings
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