4 Fixed Deposit Tips to follow

If you want to open a fixed deposit account, you will want to look into your options and shop around for the best rates. While this sounds simple, most consumers make plenty of mistakes and end up missing out on valuable returns. While true, with a little work and studying, you can find the best deal on a fixed deposit. With this in mind, here are four fixed deposit tips.

dollarKnow what you are getting into: First and foremost, when you want to open a fixed deposit account, you will want to know what you are getting into. Meaning, you need to sit down, read the fine print and ask any questions. Otherwise, if you don’t do this early on, you may end up with a serious problem on your hands. Remember, once you open an account, you will struggle to change the terms. For this reason, if you know what you are getting into, you will not end up with a problem in the future.

dollar 2Compare rates: Without a doubt, you will want to compare fixed deposit rates [see iMONEY]. Think about it, you have plenty of options, and you will lose valuable returns if you don’t shop around. To do so, you need to look at a half a dozen banks or so. Then, you will want to look at the terms and come up with a decision. Otherwise, if you don’t do this, you will leave money on the table.

Compare Fixed Deposit Interest Rates at iMoney.my

Compare Fixed Deposit Interest Rates at iMoney.my


dollar 3Think about the future: Now, it’s easy to find an excellent rate, grow excited and open an account. However, you will want to think of the long-term. Otherwise, if you withdraw money too early, you will pay a hefty penalty, often resulting in you losing most of your gains. To do this wisely, look at your long-term budget and determine if there are any issues that you need to take care of in the future. When doing this, you won’t be in the awkward situation of rushing to pull out your money.

dollar 4Read reviews: Finally, while it’s wise to find the place offering the best rates, you should consider more. For this reason, before signing the paperwork, read a few reviews. Then, if the bank doesn’t offer excellent customer service, you should take your business to another place.

With these four simple tips, not only can you get the most out of your fixed deposit account, but you will avoid common problems.


Sacrificial Anodes Used to Prevent Corrosion and Cathodic Protection

Any boat with a metal hull, or a structure that is immersed or partially immersed in salt water, requires a system of some kind to protect it from corrosion. Salt water can corrode metal in a big, bad way, completely compromising the structural integrity and resulting in failure of a boat’s hull or an important structural element if it isn’t properly prevented. There are two primary tools used for this prevention: sacrificial anodes and cathodic protection systems.

Sacrificial anodes are little more than pieces of zinc affixed to a boat’s or other metal object. Understanding why this helps requires some understanding of how sea water corrodes metal. When salt water and metal surfaces come into contact, and either the water or the metal is moving, the interaction of substances causes an electrical current that gradually bleeds electrons and causes the metal to degrade. This electrical current is very similar in the way it is generated to how a battery functions. In lieu of motion, the use of plural metals in a single component can produce a similar effect. A sacrificial anode assists this process by controlling where the electrical current originates from and terminates, causing all degradation to occur to the zinc before it can reach anywhere else.


Sacrificial Anode




Sacrificial Anode on Ship

Sacrificial Anode on Ship

The zinc anodes need to be replaced regularly, hence their “sacrificial” title, but they are quite effective at balancing the charge and preventing corrosion. However, they are a more archaic solution, and can be ineffective for very large objects. While any quantity of zinc will help, smaller quantities will corrode more quickly when attached to larger objects, and the difference in mass can result in a geometric decrease in efficiency. For this reason, active cathodic protection systems were developed.


Zinc Alloy Sacrificial Anodes

Zinc Alloy Sacrificial Anodes

Active cathodic protection systems work on the same principle as sacrificial anodes. They alter the charged current induced by the salt water on the metal components of a hull or ocean-anchored object to prevent corrosion. However, they do not do this by balancing the charge with a piece of metal, but rather by pumping a countering current into the hull. This allows for a number of advantages that sacrificial anodes cannot provide.


Cathodic Protection

First of all, this allows for the cathodic protection of much larger objects. The largest ships in the sea use cathodic protection for this purpose. This is also better for extended and infrastructural solutions where it simply wouldn’t be feasible to utilize items that need to be replaced regularly. Active cathodic protection is usually brought in alongside the use of waterproof paint and other solutions to produce a composite defense against corrosion. Cathodic protection systems like this use circuits to determine how much voltage needs to be put out, allowing them to compensate for damage to passive solutions. The only disadvantage is the power requirement.

All in all, cathodic protection is a necessary component of anything that will be in extended contact with salt water. Corrosion can destroy infrastructure and ruin investments, but cathodic protection allows many aspects of our modern world to be possible. If you would like to know more specifics about different kinds of cathodic protection systems, you can learn more here.



3 Steps to a Flawless Summer Skin

The summer time can be the ultimate time for you to try out a new look and show off a new outfit or haircut. A warm sun-kissed tan can create a healthy glow for any occasion. Here are a few tips for creating a fresh new beauty look for the summer without sacrificing time in the sun.


Step one: Create a consistent tan glow

Creating a good tan is a balance between using sunless tanning solutions and natural tanning. A healthy skin complexion reduces UV exposure to avoid wrinkling or early aging. Sakura explained a subtle tan can be heightened with a sunless tanning solution. Here are a few options for creating that “look”:

• Exfoliate and shower beforehand

Removing dead skin cells and grease are important for creating any tan. It also helps the skin retain melanin for natural suntanning.



• Compliment an early suntan with a bronzer

A bronzer can create an instant tan on the face without looking blotchy. Use a powdered bronzer very lightly on the skin that matches your skin tone daily. Consider slowly going up a shade every few weeks to match cool to warm skin tones.

Applying bronzer



• Blend skin tone gradually with lotion and tanning mouse

The best tans occur over time to look real and blend in with your changing skin tone. Apply a tanning mouse or liquid product with a bit of lotion to blend in the skin.


Step two: Keep skin looking refreshed

Reducing shine and glare on the skin is a great way to show off a soft summer glow on the face. You can encourage intake of vitamin A and C by eating fresh leafy greens such as a salad and fruit. These vitamins help keep the skin cells hydrated and refreshed throughout the summer. Use a daily moisturizer and a bit of natural jojoba oil to encourage the skin to have a balanced pH. Apply aloe vera and cocoa butter to areas of the skin more prone to heat rash.


Oxygen facial spray

MAKEUP ARTIST SECRETS: Primers, DIY Tricks, and Best Locking Spray! | Kandee Johnson


Step three: Protect the skin and hair

Your skin and hair can get some pretty heavy abuse in the humidity and heat of summer. Hair frizz and sunburns are common complaints that you may find as the heat climbs. Create a no-stress hair routine by using a taming creme after drying your hair. Reduce the amount of time you dry your hair with a blow dryer to encourage natural oil production.

These tips should help create a natural look that can truly beat the heat for summer fun.


A Groomer’s Guide To Chemical-Free Dog Shampoo

Dog bath thumbIn order to make sure that your dog is as healthy as possible you have to groom your dog on a regular basis. For example, brushing your dog regularly can help you spread your dog’s natural oils through his or her coat. Bathing your dog on a regular basis can get rid of extra sebum and dead skin cells. In addition, bathing your dog can help you keep control over allergens and dust mites.

An important part of grooming your dog also involves making sure that you pick chemical-free dog shampoo. In order to do this, you will have to read the label of each type of shampoo that you are considering. In addition, you have to know what types of things to look for as you go over the label. Although most dog shampoos advertise that they feature organic ingredients or natural ingredients, certain types of toxic chemicals might still be included in the formula.


Avoiding Colors and Perfumes

When you are trying to choose a chemical-free dog shampoo it is a good idea for you to avoid shampoo that features colorants or dyes. Synthetic color is linked to causing cancer and other types of health problems. For example, shampoo might contain Tartrazine. This is known to cause tumors, hyperactivity, migraines and allergic reactions. When you are choosing shampoo, you might want to look for shampoo with colors that range from white to yellow.

In addition, it is important for you to avoid using shampoos that contain perfumes or fragrances. Shampoo that contains artificial fragrances can cause nausea, headaches and allergies. It might be a good idea for you to look for shampoos that feature organic essential oils.


Organic Oscar Dog Shampoo

Organic Oscar Dog Shampoo



Avoiding Parabens

Quite a few different dog shampoos use parabens as a preservative. They have the ability to imitate estrogen hormones. Because of this, it is linked to cancer. When you are searching for a chemical-free dog shampoo, it is important for you to avoid shampoo that with ingredients similar to ethylparaben, propylparaben and methylparaben. It might be a good idea to look for shampoos that contain vitamins A, C and E. You can even try dog shampoos that contain citrus seed extracts.


I Love Pet Head Natural Dog Shampoo

I Love Pet Head Natural Dog Shampoo Parabens Free



Dog Shampoos and Detergents

A lot of different shampoos might contain sodium laurel sulfate and sodium laureth sulfate. These chemicals are normally used as a detergent in shampoos. Sodium laureth sulfate and sodium laurel sulfate can cause upper digestive tract irritation and mouth irritation. In addition, your dog’s skin can become extremely irritated if he or she is subjected to repeated or prolonged exposure. It can also cause severe irritation and even permanent damage to the eyes of it is not washed out properly. You can avoid this by looking for dog shampoo products that feature natural fatty oils like coconut oil and olive oil.


Hot Dog Shampoo



Other Types of Chemicals

Stearalkonium chloride is another ingredient that you should avoid when you are trying to purchase chemical-free dog shampoo for your pet. This is normally used as a surfactant and as an antimicrobial. However, it can cause irritation to the eyes and to the skin. In addition, it can cause damage to the brain and other organs. Hypertension is linked to stearalkonium chloride as well.

You might notice that lauramide DEA and cocamide DEA are used in some types of dog shampoos as well. These chemicals are normally used as a foaming agent. They have been linked to cancer.

Although it may seem like a good idea for you to use baby shampoo or baby oil while you bathe your dog, this is a bad idea. It can actually cause kidney damage and liver abnormalities. It contains mineral oil.

Dog Bath

Learning English for Adults: Why It’s Never Too Late

People are judged on first impressions more than ever before, and a large part of that first impression is their command of language. Within the United States, many jobs are dependent upon a person’s ability to clearly communicate thoughts and ideas through words; if someone has only a broken grasp of English, it does aid them in their job search. There are numerous practical applications to learning English that are often overlooked.

It helps with the job search.

Employers are more likely to hire someone who can speak English fluently and flawlessly than someone who speaks with a thick, hard to understand accent. Whether you are learning English for the first time or you’ve held a basic knowledge for years, it can be beneficial to work towards losing your accent and mastering conversational English. This opens up the potential for customer service and consultant jobs, as well as high-paying translation jobs.

It allows you to make more friends.

On the most basic level, people tend to cling to those with whom they can communicate. If you only speak your own language and there are no speakers of your language nearby, it leaves you without anyone to connect to. However, if you obtain a better grasp of English, you’ll be able to communicate with more of your neighbors and forge closer friendships that way.




You can enjoy more entertainment options.

Much of television would be lost on someone who doesn’t understand the language. If we’re talking about purely practical uses, knowing English opens up an entirely new area of entertainment in the form of television and music. While you may have been able to enjoy the melodies of songs before, you can understand the lyrics and the deeper meaning behind them once you know the language. Televisions shows will be much easier to understand, particularly sit-coms and the like that focus so heavily on conversation.

How do you learn English?

There are numerous ways to approach learning English, but perhaps the most common would be to attend ESL classes. These courses are usually offered by local universities or language centers (see ELEC language centers), designed to help speakers overcome their native accents and become fluent in the language. The next most important element is practice; finding a native English speaker to practice conversation with can give a much more thorough knowledge of the nuances and cadences of everyday English. Take note that different English speakers will provide entirely different experiences based on their dialect and accent.

Intensive English programs are another option. These programs are very thorough, boot-camp style classes designed to deliver a deep understanding of English in a short time. However, due to their crash-course like nature, they are not always the best for long-term comprehension, but they are extremely effective for ridding oneself of an accent and getting a lot of practice in a very short time. Many of these programs are attached to ESL courses as an additional option, usually available for the best students in a class.



Inflating Bicycle Tyres: How To Do It Right

Within a bicycle’s tire is a durable rubber tube that holds compressed air. Changes in the weather, long-term storage and punctures to the tire can all cause your tires to lose pressure. A bike tire with insufficient air pressure can’t support itself and you won’t be able to ride your bike. Knowing how to pump air into bicycle tires the right way can help you have a safer and better ride.


Gather Supplies

To properly pump air into your bicycle tires, you’ll need a few supplies. A manual air pump or electric air pump will do the job equally well. You’ll also need a pressure gauge and a spare rubber tube in the proper size for your bike’s wheel in case the tube within the tire has burst. If you need a new tube for your tire, visit www.usjcycles.com for this and any other bike supplies.


Bike Pump Seat Post

Bike Pump Seat Post



Preparing to Inflate the Bicycle Tires

Locate the cap to the air valve on the bicycle tire. Unscrew the cap. You’ve exposed the valve stem. Connect the hose end of the air pump to the valve stem on the bike tire. Either screw on the end cap of the air hose or latch it on for a proper fit.


Bicycle Maintenance : How to Inflate a Bicycle Tire




Perfect Pumping

If using a manual air pump, push the handle down. This pushes air into the bicycle tire’s tube. Measure the pressure of the bike tire using the pressure gauge. If the tire needs more air, give the handle another push. Repeat this process until the proper pressure level is achieved. If you’re using an electric air pump, you’ll just need to turn on the pump to inflate the tire. Use the slowest speed setting possible. If the pump has a built in gauge, use it to check the pressure of the tire. Verify the correct air pressure level by looking around the rim of the bike’s tire. The necessary pounds per square inch (PSI) for the tire should be written on the outer surface of the rim.


How To Pump A Road Bike Tire




Finishing the Job

Once you’ve filled the bicycle’s tire to the proper air pressure level, replace the protective cap onto the valve stem. This keeps the air inside and dirt, water and other debris out of the tire. If the air leaks out of the tire right away, the tube may need to be replaced. When there’s a new tube and the air still leaks out, the tire itself may need to be replaced. The rubber could be thin, the rim could be bent or the tire could have a puncture.


Ensuring the Best Results

Before putting away your air pump, check the other tire on the bicycle. Both tires should be inflated to the same level of air pressure in order to achieve the best possible ride.