How to Get The Best Rate on a Fixed Deposit


When looking to open a fixed deposit account, you need to take your time and research your options. Not only that, when opening an account, you will want to get the most out of the experience. Otherwise, when heading to the bank, you will end up making mistakes or not getting the best deal on your fixed deposit. With this in mind, here are three fixed deposit tips you need to follow.

Shop around: First and foremost, when you want to put some money away, you will want to shop around and find the best rate. To do so, you should learn more on fixed deposits here. Think about it, when you look at five or six banks, you will enjoy the best rate, all with a minimal amount of work. On the other hand, if you simply take the first offer, you will miss out on a lot of money in the long run. Fixed Deposit Rates Comparison Fixed Deposit Rates Comparison

Ask a few questions: Without a doubt, when you put money away, you are taking a slight risk. To alleviate any concerns and feel good about the transaction, you should ask a few basic questions. For starters, when opening the account, ask the bank for a list of the terms and rates. Then, make sure you feel comfortable speaking with an account manager. If, at any point, you feel unsure, walk away and find another bank. Remember, you have options and you will want to ask a few basic questions.

Penalty: All-too-often, a person will open an account and need the money in the future. When this happens, the customer will end up paying a hefty penalty to remove the money. To avoid this, you will want to only put money away that you won’t need in the near future. Fortunately, if you do this and avoid penalties, you will maximize your returns. On the other hand, if you think you may need money in the future, take a long and hard look at the penalty amounts. If high, you should consider other options. On the other hand, if there are no penalties or they are minimal, you can open a deposit account without fear or trepidation.

With these three fixed deposit tips, you can save yourself plenty of trouble in the long run. Otherwise, if you don’t understand your wants and needs, you will end up in a bad situation in the future.


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4 Tips to Get Teaching Jobs at Private Schools


Whether you are just graduating or have been a teacher for many years, you may find yourself drawn to the possibility of leaving the public school system behind for a private institution. Private schools have numerous advantages over their public counterparts, possibly including smaller class sizes, religious affiliation, and the opportunity for professional development. How do you get a private school teaching job? Keep reading!


Present a Polished and Professional Image

The first step in this process is to collect all of your application materials, including your resume or CV, and make certain that they pass muster. If you are seeking a high profile job or intend to apply at prestigious schools (such as Prince of Wales Island International Private School), then it is worth the extra time and money to use a professional resume writer or reviewer for your materials. The initial fee will come back to you once you have that perfect job. For parochial private schools, you may want to have a member of the clergy take a glance at your materials to avoid any red-flags.


Be Willing to Relocate

In a job market that continues to favor the employer, a willingness to relocate can offer additional opportunities and demonstrate commitment; however, managing your teaching credentials can be difficult during an out-of-state or -country move. If you opt to follow opportunity wherever it leads, make sure you research areas thoroughly prior to applying, including cost-of-living. A good salary in Atlanta would hardly pay the bills in Seattle, for example. Always articulate to employers your authentic desire to relocate.


Social Media and Networking

Who you know is important. Your presence in social media, including accounts at Facebook, LinkedIn, and Twitter, are not just subject to scrutiny, they are also a great way to develop and maintain your professional ties. Two important factors here are to update regularly and don’t be afraid to reach out to other teachers and administrators online. They might surprise you!





Gain Experience First

For teachers just entering the field, you may need to consider getting your first taste of professional experience in a different environment prior to finding a job teaching at a private school. Experience goes a long way in terms of making the cut between applicant and interviewee. While this may not be ideal from the standpoint of accomplishing your goals, it can give you the chance amass classroom success stories that will help you later to land that private school teaching position.

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8 Unique Diet Tips To Keep The Weight Off

Diet Thumbnail

It’s common knowledge that you should eat less and exercise more if you want to lose weight. But what if you’re hoping for more specialized dieting tips? Here are eight secrets straight off the runway to drop those pounds and keep them gone.


1: Drink Flavored Water

Unlike diet sodas, which still contain sugar and chemical carbonation even if they’re calorie-free, flavored water only has a few minor additives for taste. It’s a much better alternative to other drinks.


2: Stock Up On New Snacks

Instead of punishing yourself by taking away the cakes and cookies, find something quick and convenient that you can snack on regularly. Fat-free popcorn is a good choice. So is sugar-free jello.


3: Eat Three Meals A Day

The current fad is to eat 4-6 small meals a day, but that will only condition your stomach to expect food on a near-constant basis. Stick with three square meals at set times to give yourself a routine.


4: Put Off Your Cravings

It can be hard to resist the siren song of doughnuts being passed around the office. Instead of trying to deny the craving, however, tell yourself that you can have one in an hour. By the time the hour is up, you’ll probably be working on something else and not even thinking about them anymore.


5: Use Smaller Plates

If you’re having a problem with portion control, kid-sized plates will give the illusion of holding more food. You can also wash the plastic containers from TV dinners and use them to serve yourself healthy, appropriate portions.


6: Chew Gum

Do you wander into the kitchen when you’re bored? How about when you’re stressed or unhappy? “Emotional eating” is a well-documented phenomenon, but it can be difficult and time-consuming to cure. An easier alternative is to replace your stress binging with gum chewing.


7: Eat Better Vegetables

Don’t force yourself to eat broccoli just because it’s healthy. That’s a surefire way to lose interest in your diet and backslide into bad habits. Instead, focus on the vegetables you actually enjoy and the various ways you can incorporate them into your favorite dishes.


8: Take Your Time

Don’t gobble up a meal. Don’t eat absentmindedly, either, with one hand holding a fork and another rifling through reports from work. Sit down with your food and really appreciate it to feel full, well-fed and satisfied.


Dieting Case Study: What London Weight Complaints About Vegetables Diets.



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4 Great Travel Tips That Will Save You Trouble

Travel Thumbnail

Whether you are a seasoned world traveler or you are simply a tourist with an urge to see the world, you’ll find that travel can be as fascinating as it is troublesome. Make sure that you keep these travel tips in mind as you wander!


PassportPhotocopy Everything

If you are leaving the country, you will find that it is always a good idea to have proof of who you are on you at all times. However, given that travel documents are hot commodities on the black market, you may not always want to have the papers themselves on you. This is where photocopies come in. Leave the real deal in the hotel’s safe and bring the paper copies instead.


Carry a Cardhello

If you are going somewhere where you do not understand the language, it is a great idea to make sure that you have a card with a lot of the things you need to say on them. For example, if you are a vegetarian, it helps to have a card on you that reads, “I do not eat meat. Please bring me something with no meat in it” written in the local language. Then you can offer the card to people who are waiting on you and make sure that your needs are met.


PhoneGet a Local Smartphone

One of the last things that you want is to be abroad and to come home to monstrous roaming charges. Given the way that the billing works, you may find that your charges can add up to hundreds, if not thousands of dollars! One way to get around this issue is to look into getting a smartphone when you make it to your destination. Smartphones that are rented or leased to travelers can be amazingly inexpensive, and it can keep you feeling safe when you are seeing the world.


hotballoonTravel Off-Season

If you can handle it, travel when the other tourists aren’t. While Paris in springtime is beautiful, there are few who doubt that this amazing city is also beautiful in fall and winter too! This can help prevent you from spending an arm and a leg to see some amazing sites only to find that they are too crowded to enjoy.

When you are traveling, also remember to check those reviews. Good travel reviews are worth their weight in gold, and they can prepare you in a way that general tips can’t. Every location on this planet is different, so get the inside scoop, and make sure that you are in good shape!

More safety travelling ideas by Alain Fanaie.


Travel Safety Infographic

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Tips to Help You Save Money While Shopping For Groceries

Saving Grocery Bill

Grocery shopping is something that everyone has to do on a regular basis. Grocery bills can become a significant portion of your household budget especially when raising a family. Fortunately, there are ways you can start to reduce grocery bills. A few tips will help you to save money while shopping for groceries.


Eat Before Shopping

Shopping on an empty stomach can cause you to make poor decisions. Not eating could lead to confusion, impatience and tiredness. Additionally, not eating will make it easier to grab snacks or other impulse items to eat right away after getting home. Eating first will allow you to make to better choices while grocery shopping.


Eat Before Shopping



Check Unit Prices

The unit price is the amount highlighted in orange on shelf labels under products. This is how much something costs per pound, ounce or liter. The unit price should be used to compare costs. Some items with a low retail price are actually far more expense per pound or ounce than other options.


Price per unit


Look At the Top and Bottom of Shelves

Grocery store retailers place items strategically so that the most expense products are right in front of your eyes. You should look at the top and bottom shelves for items that could be a much better deal. Beer on the bottom rack is usually far less costly than premium brands in the middle.


Grocery Shelf




Consider Generic Brands

The reality is that generic brands are usually identical to name brands. The same companies often make both and just package them differently. You should seriously consider generic or store brands for different products since they cost much less than premium and name brands.


Buy In Bulk When Prices Are Low

If you find an item that is far below the normal price, then it is usually a good idea to buy in bulk. This should be done with items like beer @ RedMart, canned goods or hygiene products that will not go bad in a few days. Although buying in bulk might cost you more up front, it does save a significant amount of money over time.


Bulk buying




Watch the Register during Checkout

A final tip is to be attentive at the register during checkout. It is important to watch the prices of each item that is scanned. The rate of errors during checkout at grocery stores is very high. You should immediately alert the cashier that something is wrong if a price looks incorrect. You should also not be afraid to question the total if it seems off.

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Are You Taking Advantage of All These Popular E-Commerce Platforms Yet?

ecommerce tb

Running a successful online business requires more than simply the insight and knowledge relevant to your own products, services or the content you product for others. When you are thinking of expanding your current online business, doing so by launching a free online store or a mobile commerce application or store is highly recommended. Understanding more about the various types of E-commerce platforms for expanding online businesses is a way for you to become more knowledgeable in the online selling world while outshining any potential competitors you may have in your industry.


The Benefits of E-Commerce Platforms

Using E-commerce platforms for any type of products or services can be extremely beneficial when you are trying to build the image of an online business. E-commerce platforms not only limits your users to shopping from their home computers, but with Facebook commerce and the advent of mobile applications, it has never been easier to generate sales and revenue on the go, regardless of your business model and what it represents.


Facebook Commerce Infographic

Facebook Commerce Infographic




Popular E-Commerce Platforms Available Today

One of the most popular E-commerce platforms and tools to use today for any type of small online business includes WooCommerce, part of WordPress, a free CMS, or content management system. Using WooCommerce is a way for you to easily integrate both virtual goods as well as physical goods and services into just about any blog or website you are managing and operating. Installing WooCommerce is ideal if you are looking to build a professional platform to sell products and services but you are unsure of how to go about programming it yourself. Additionally, WooCommerce is free to use and allows you to incorporate plugins and themes that are made for WordPress within your store.


WooCommerce - Sell Anything Beautifully

WooCommerce – Sell Anything Beautifully



Using OSCommerce is another option when you are thinking of installing your own E-commerce platform or program for your users. OSCommerce allows you to edit your own themes, but is more restricting if you are not familiar with programming and coding yourself.


OSCommerce offers tools for online store website for free to market and securely sell products to customers worldwide

OSCommerce offers tools for online store website for free to market and securely sell products to customers worldwide



There are also online eCommerce solutions and platforms available to choose from, including Big Cartel. Using a service such as Big Cartel may require you to pay a monthly fee to host your products and the services you want to offer your customers, but it also provides an array of themes, layouts and store setups to choose from without requiring coding or programming on your behalf. Using a hosted service such as Big Cartel is highly recommended if you do not have any experience with programming or managing online storefronts yourself.


Big Cartel provides you with your own independent store to sell your stuff online

Big Cartel provides you with your own independent store to sell your stuff online



Whether you are thinking of selling downloadable virtual goods or if you want to provide actual merchandise that is shipped to your customers from around the country or world, learning more about various E-commerce platforms and tools available today is one of the best methods of getting started. Using some of the most popular E-commerce platforms today is a way for you to expand your audience of consumers while also boosting the overall credibility and professional reputation of your business or brand. free online ecommerce store free online ecommerce store




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4 Tips on How to Write Better Fiction

fiction book

Writing fiction can be challenging. You may be concerned with character development, plot development, style of writing and other factors. There are fundamentals to focus on when it comes to writing fiction books. Aside from grammar, there are psychological factors that must be considered before going on to write better fiction. Factors vary from self worth issues to technical issues. If you have been trying unsuccessfully to write fiction or have not tried it at all and want to learn, the following tips will help you.



Your personal preferences are important when it comes to writing. If you like being alone and feel that solitude brings out the best in you, prepare a secluded area for yourself. It can be a room or a spot in a diner. You can also choose a better location if you are self-aware and know whether you like constant change or stability. Being drawn to constant change means that you would prefer the spontaneity of going to random places to write. Being drawn to stability means you would appreciate that secluded spot in a restaurant or a room of your own.


fiction Inspiration

Going outdoors or talking to people of different backgrounds can inspire you. Immersing yourself into different activities can help you become more cultured. You will have more sources of inspiration to pull from. Your inspiration will also come from reading fiction from other authors. The more you read, the more information and art you will be exposed to. You will want to create more when you read other peoples’ creations.


Self Concept

Some people tie the things they do to their self worth. if you are one of those people, you will have a hard time improving your writing skills. You will also have a difficult time with character development. Character development actually has a lot to do with how you see yourself. Believe it or not, if there are things you are ashamed of in yourself and would like to hide, you would more likely experience difficulty telling the truth about the characters you have in your stories. Authors tend to live vicariously through their characters one way or the other. Sometimes writers even form characters based on their own self image. If your insecurities do not consume you, you have nothing to worry about. If your self concept is disruptive to your writing, you have to step back and learn how to separate your work from your own belief system.


Beliefs About Work and Skills

Writing fiction requires you to be realistic about the process. Stories are rarely written at a fast pace. Editing takes some time. If you embrace the process and forget about finishing, you are more likely to use all of your brain’s resources to finish your stories with integrity. You are also more likely to add and take away certain parts of your work according to your practical judgement rather than a need to rush through things. Writing fiction is also a skill. Skills take time to learn. You may make a lot of mistakes and experience a lot of rejections before you finally become better. Once you understand this, your path to writing better fiction will be a better one.

Writing fiction is exciting and requires practice. If you become self-disciplined and apply the tips provided, you are on your way to writing better fiction. Being aware of your habits and being pro-active about getting inspiration will assist you in developing your skills faster. You will also be more passionate about what you do as you progress and become better.


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How Pigmentation Develops on the Face


Pigmentation, also known as Hyperpigmentation is a common skin condition that causes particular areas of the skin to turn darker in color. The condition is usually harmless and can affect all skin types and races. It is caused when there is too much melanin present on the surface of the skin. There are two main forms of pigmentation: Hyperpigmentation and Hypopigmentation. Both are very common and usually harmless, however, they can often be embarrassing for the person that has the condition.

Hyperpigmentation occurs when patches of skin become darker in color than normal. The darkening effect typically happens when there is an excessive amount of the pigment Melanin on the skin. Melanin is important because it provides the skin with its natural healthy color. When too much is deposited on the skin’s surface, dark, unnatural-looking patches begin to show up. There are several different conditions behind how pigmentation develops. They include Melasma, Chloasma, Sun Damage, Freckles, Medication, Emotional Distress, and certain diseases such as Jaundice and Cyanosis. 


Skin Pigmentation diagram

Hypopigmentation is the opposite of hyperpigmentation and the result of the reduction of melanin production in the body. This condition can cause patches of skin to appear lighter than normal. The three main causes of this decrease of melanin are Sun Damage, Vitillgo, and Albinism. Other skin issues such as a recent skin infection, blister, burn, or other type of skin trauma can also cause a loss of pigmentation to occur, however, this type of hypopigmentation is usually only temporary, although it does take a long time for the skin to return back to normal.
Sun Damage is one of the leading causes of pigmentation and can provoke an increase or decrease of melanin on the surface of the skin. Anyone who spends a large amount of time in the sun should take the time to learn more about the different types of pigmentation and how to treat them (see Shakura). The best way to prevent this type of skin damage is to always apply sunscreen with a high SPF level when you are going to be out in the sun for several hours. Once you have developed either Hypopigmentation or Hyperpigmentation, there are a number of treatment options available.





You can reduce the appearance of your skin pigmenatation naturally by rubbing a slice of potato on your skin on a daily basis. A mixture of potato juice and fuller’s earth can also help to reduce dark spots. Lemon or Lime juice is also known to be helpful for minimizing skin discoloration. You can slice a lemon and squeeze out the juice, then mix it with one to two teaspoons of honey. Apply the mixture to your face or other areas that are affected by pigmentation.

A mixture of one tablespoon turmeric power and lemon juice can also provide good, natural results for dark colored skin. The mixture should be left on the affected area for 15 minutes and then washed off with cold water. It should not be used immediately after sun exposure.

There are many other natural ways to treat skin pigmentation issues. Ingredients such as Guava, Banana, Aloe Vera, avocadoes or even milk can be used to create a healing mask that will restore your skin’s natural beauty while replenishing it with moisture. If natural remedies do not seem to be doing the trick for your skin condition, your dermatologist can recommend or prescribe the right type of product that will help restore your skin back to its natural tone.

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Useful Phrases for Letter Writing for IELTS


As you probably know writing a letter is the first task for the writing section of your IELTS. What’s incredibly practical is to have a mind bank of various phrases that can be used for any letter regardless of topic. So I’ve brainstormed and come up with some useful expressions worth memorizing!

• I am writing this letter to (inform you about/ enquire about/ request/ apologize/ confirm)
• I am contacting you for the following reason
• I would appreciate your immediate attention to this matter
• Could you possibly (tell me about/ inform me of)
• I am delighted to inform you that
• I regret to inform you that
• I am writing to (express my dissatisfaction with/ complain about)
• I would like to apologize for
• My sincerest apologies
• I regret any inconvenience caused
• Thank you for taking this into consideration
• I really appreciate your (understanding/ time/ patience)

The phrases above deal with the body of the letter. For any letter format you need to remember to address the recipient. Always start your letter with ‘Dear’ followed by the person’s name. Ending a letter in the correct format is just as important to the overall structure. Sign off your letter with a ‘Sincerely’, ‘Best Regards’ or ‘Yours Faithfully’ followed by your name.





Next Useful Tips: Here’s A Quick Way To Solve Excessive Hair Fall Problem by Yun Nam Hair Care Malaysia

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Should You Invest In Real Estate in Singapore or Malaysia?

Singapore Malaysia

As the economies of Asian nations such as Singapore and Malaysia expand, there are now opportunities to invest in real estate in this part of the world. There are some good reasons to consider such an investment, as the future for this part of the world looks promising. At the same time, it’s always important to thoroughly research any type of investment, especially when it comes to real estate.


Real Estate in Malaysia

Real estate prices in Malaysia have been increasing in recent years, largely due to an influx of foreign investors. Yet compared to many other parts of the world, it’s still possible to find bargains in Malaysia.

The prices of properties in locations such as Kuala Lumpur have grown steadily since the early 2000s. Although the Malaysian economy has been expanding, there is currently a shift towards austerity to reduce national debt. This is a trend that is occurring in many parts of the world. Overall, there is no reason to believe that the Malaysian real estate market will cease growing anytime soon.

The Malaysian government is generally quite pro-business, making it attractive for investors from around the world to invest in real estate. The fact that home prices have steadily increased over the last 10 years also makes it a tempting market for international investors. Real estate in Malaysia then is looking quite promising for the foreseeable future.


Home Buying in Malaysia Infographic



Real Estate in Singapore

Singapore is a prosperous, business friendly nation with a robust economy. It is another Asian country that is currently very appealing to people who are looking for good real estate investments. Singapore is conveniently located and is considered one of the central hubs of Asia.

The Singapore government also goes out of its way to be supportive of business, and encourages both tourism and foreign investment. The absence of currency controls, capital gains taxes and withholding taxes makes the country especially attractive to real estate investors.

Singapore is extremely forward looking, and in recent years there has been quite a bit of construction and development of office building, residential properties, hotels, resorts and other types of properties. The population of this nation is also growing at a steady rate, meaning that there will be an increasing demand for real estate in the future.





Investing in Real Estate in Malaysia and Singapore

This is a good time to consider investing n either Malaysia or Singapore. As Asian economies continue to grow, some of the world’s best real estate opportunities can be found in this part of the world. People who are interested in this possibility should do some research and possibly take a trip to Malaysia or Singapore to get a better idea of what is available. Find out information about investment opportunities in Malaysia.


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