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Cell Phone Power Bank Pros And Cons Of Using A Power Bank

In todays fast-paced era, it is important to take care of your mobile phones needs. It is not always possible to feed full charge to your phone before leaving the house. Besides, one often stays out for long hours during which time the phones battery keeps shrinking. Quite often, we run out of charge and it is then that the panic button begins to scream loud. Having a power bank can be a great solution to resolve this problem. It does serve as an ideal tool to rescue our phones during urgent moments. Alternatively, one can also have a backup battery and fit it into the phone when the original one gets exhausted.

Here are the major pros and cons of a cell phone power bank:

Pros:

i.Portable: It is, in simple terms, a charger which is portable. You can carry it to the office or during a vacation. It does not require any electric socket. So, you can charge your phone even when you are traveling or holidaying inside a forest. Its portability certainly helps you to evade the dreadful situation when the cell runs out of life.

ii.Carries very high power: The device carries very high power. Therefore, it can serve you multiple numbers of times. For instance, you can get your phone charged on more than one occasion. Also, if you are going for a holiday over the weekend, a Chinese power bank can last you during the entire trip.

iii.Charges universally: The great thing about a power bank is that it acts as a universal charger. It means that it is compatible to almost all kinds of devices. You can charge all kinds of phones that you have including Android, Blackberry and even iPhones. Besides, it works for all brands from Nokia to Samsung to Motorola.

iv.Reasonable price: It is priced reasonably and does not put too much of pressure to your wallet.

v.Multiple sockets for multiple charging: Most power banks come with multiple sockets so that you can plug in more than one phone.

Cons:

i.Bulky: One minor demerit of a is that it is a tad bulky. It is thick and has extra weight. So, when you are carrying it around, it will feel a bit inconvenient since it will add load to your handbag.

ii.Comes with USB cable: In todays wireless age, this device uses a USB cable, which is another small setback.

iii.Frivolous expenditure: It may just be another frivolous expenditure for you if you do not travel a lot or are not dependent on your phone for official work. Most people do find it very useful. But for some, it may just not be worth the price.

Overall, it is true that a cell phone power bank has its share of cons. But in the current context, one can safely surmise that its advantages easily outnumber and outweigh its disadvantages. Therefore, the general recommendation would be to think seriously about buying it.

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Money Belts

Money belts are mostly used while traveling to keep the money safe. Money belts are basically security wallets that ensure that the money is safe while traveling. Since a money belt would be close to the body they are usually not susceptible to pickpockets.

Money belts come in perfect waist sizes and are mostly waterproof. The material also soaks up the sweat and does not allow the sweat to seep through to the money within, hence keeping the money safe. Money belts are made with a variety of materials such as cotton, poly-cotton, silk, nylon and other soft materials that would be comfortable to wear and at the same time are strong and durable.

Some money belts even have separate pockets to hold important travel-related documents such as a passport, tickets, travelers checks, and currency – along with other valuables – to ensure their safety. These pockets are usually layered with plastic to ensure that they do not get wet under any circumstances. Also, a zippered compartment is provided in many money belts for credit cards and other small valuables. Most money belts are available in black, brown, tan or bolder colors such as indigo, olive and blue colors, and are quite durable to withstand the strain of travel. The color can be specified at the time of ordering.

Money belts are made of lightweight washable materials that are specially treated to keep away bacteria and other microbes that form due to sweat and body heat. They are capable of absorbing sweat and do not allow the moisture to seep through. They come with adjustable straps that are either elastic or Velcro binds to ensure a perfect fit to the wearer. Although they come in different sizes, most of them are a one size fits all due to the adjustable straps.

Money belts can be secured under a shirt or blouse and are not easily detectible. They ensure safety when traveling long distances as they are closer to the body and so are more secure. All the travel documents and other valuables would be safer compared to when they are in the luggage or a handbag as a pickpocket would not be able to access money belts.

Money belts are also a safe option when going in for water sports like diving or skiing. They are made with waterproof materials and so would ensure the valuables are safe even when under water. Some money belts come in smaller sizes and can be tied onto a wrist instead of around the waist. Smaller items such as currency, keys, identification cards, and credit cards etc., can be stored in these money belts. A long sleeved shirt would definitely hide this money belt while ensuring safety simultaneously.

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Diversifying Your Investment Portfolio

Having a diverse investment portfolio usually means to continue investing, but also keeping these assets safe from any negative actions that may take place on the market. Even if there are various ways people can choose from in order to invest, the investors now prefer to have a limited number of transactions. This is mainly due to the financial crisis that has spread around the entire world, but also to people not being able to take advantage of the benefits that certain investment offer. However, in order to diversify the investment portfolio, it is best to understand what this diversity implies.

It is not that hard for anyone to understand that diversification implies that the investor choose to put his money in various stocks from different sectors of the market. People who make investments in various products or services prefer to do it in order to keep away their assets from the sudden changes that may happen on the market. This way they can lose some of the investments value while keeping safe other financial ventures. Some of the bad effects that can appear on the market may be temporary, while others may last permanently. For this reason, it is recommended to invest in more stocks so that to not lose all the assets gained so far.

The investment specialized advice those who want to venture themselves in financial businesses to make small deals at first. This way, they are given the possibility to invest in more fields and also to give up the poor speculation without losing a great sum of money. One of the best investments that can be made given the actual financial crisis is in gold. This precious metal is known to have resisted on the market from the ancient times. The value of gold has never decreased significantly and people tend to trust it more than any other commodity.

Due to the fact that the market has experienced a lot of uncertainty in the past few years makes it difficult for investors to recognize a good deal. Even the real estate domain has diminished its value so much that those who want to invest turn their attention away.

This being said, gold has started to win ground on the market because people have realized that this precious metal will always continue to be demanded on the market. It is even more precious because it can be used in various industries. So, investors cannot go wrong with such businesses and at least a small profit is to be expected.

Mind Map

Current Affair in Bank Exam

Current affairs are very important in our understanding of the world that we live in. They give us the picture of the world in a broader perspective. Our vision becomes much clearer and broader. They allow us to stay in constant touch with the “Real” world. Thus, we as human beings, should stay updated by by acquiring knowledge on the current affairs taking place around us. Current affairs also hold academic importance; their inclusion in the bank exams is a proof of their importance in today’s world. They demand thorough preparation of current affairs through mediums like quizzes, newspapers, radio, news channels etc. One must have noticed that recently, the number of current affairs questions in bank exams have increased. This is due to the growing dependence of the world on current affairs. A person who is unaware of the things happening in his/her surrounding is often said to be unaware. A high level of vigilance is the pre-requisite for survival in today’s world. We can not confine ourselves to our private lives. We need to enter the realm of the outside world by disrupting the lines of privacy. This would be beneficial for us as we would get different perceptions on a common or general topic. Thereby, increasing our understanding and widening our perception. Bank recruitment is a stringent procedure. Candidates in strengths of thousands apply for a single post in a bank. Addition of current affairs adds to the competitive level, and ensures the entry of the best candidates available. We can prepare for current affairs in the bank exams through various ways. Some of them are mediums which are easily accessible like newspapers, news channels, radio etc. Other mediums are not used on regular basis but provide great amount of information on various subjects. Quizzes are one such option which is highly educating and entertaining at the same time. You can gain current affair information on various subjects like political science, history, geology, science and technology etc.

Thus, if one plans to prepare for bank exams for any post, he/she should pay great emphasis on . Special attention should be paid to current affairs based on the banking industry and banking rules and regulations. Quizzes and newspapers can help you increase your current affair knowledge.

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Tips On How To Open A Bpi Bank Account

Bank of the Philippine Islands (BPI) is one of the most established banks in the Philippines. Recently, it was awarded by Finance Asia, a prestigious finance publication and magazine in Asia and the Pacific as the best cash management bank in the Philippines. Finance Asia also recognized BPI as the best trade finance bank in the country.

BPI has two subsidiary banks – BPI Family Savings Bank and BPI Direct. BPI Bank deals primarily on corporate accounts like salary account of employees. BPI Family Savings Bank is focused on individual savings accounts or for individual person who may not be an employee. While BPI Direct serves primarily on mobile, telephone and online banking.

In opening a BPI bank account, you can adhere to procedures given below and ready all requirements before going to the bank. It will be fast and easy to open a new bank account when you bring all the needed requirements so do not forget to bring it all.

1. Make sure you have all the requirements for opening a new bank account like two valid ID, billing statements, two 1×1 photo ID, and money for initial deposit.

2. Select the branch you want to open a new account. Choose the branch near your work or house so that it will be very easy and convenient for you to go whenever problem arises regarding your bank account.

3. Upon entering the bank, proceed to New Account Desk. Tell the bank officer you want to open a savings account and then fill-up all forms that will be given to you.

4. Pass all the requirements, application forms and initial deposit for your new bank account. This is the minimum initial deposit for BPI, P3,000 and P10,000 for ATM and passbook account.

5. Get your passbook or ATM card which will be normally available after 4-5 banking days. When you get your ATM card, you can activate it at ATM machines.

When opening a new bank account, prepare first all requirements and ready the money for initial deposit for your new bank account. BPI is one of the best choice in applying for a new bank account. It has numerous branches around the country so it will not be a problem which branch to select.

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Writing An Effective Hardship Letter To Avail Loan Modification

A hardship letter is the most important piece of document required to apply for loan modification. Its substance and validity will make or break an attempt for a loan workout. This is a letter basically contains an explanation why there is a difficulty of settling mortgage amortization. It is only fitting to compose this letter carefully.

When writing a hardship letter, its important to remember to keep it short, concise but not arrogant. A one to two pages maximum letter is strongly advised. Take note that a lender does not have the luxury of time to read a novel-like hardship letter. This letter serves as outline of ones difficulty to pay for periodic amortization, so it should be direct.

Like any letter, begin with a proper salutation, use font type and size reasonably easier to read. Letter size or 8.5 by 11 inches will be the papers size; otherwise an A4 sized paper can be used.

Bear also in mind that there is a clear definition of the term “hardship” for availing loan modification. Such hardship should fall under listed by mortgage lenders. Such as bankruptcy of business, immediate relocation, or divorce from a spouse who is the co-borrower. There are still more to this, to be sure homeowners should check with their lender.

In the actual writing, the first sentence should tell why such letter is written. This may include the explanation that after all possible ways were exhausted theres still failure to meet with mortgage payments. Much of this should be in the first paragraph of the letter.

The second paragraph should describe the events that affected failure to make regular payments. This description should be done tastefully without being overly dramatic. Overly thought out explanation might appear deliberate and fake. Additional paragraph might be added to explain the intent for loan modification pursuant to financial difficulty.

It is also wise to give approximate, if not exact, duration of the hardship period. This will be the basis for the mortgage lenders to get a head start with its response for loan modification. The last paragraph should emphasize the desire to settle the loan, but asking for leeway, for the time being.

Then end the letter with parting words hoping for a loan modification, which will be favorable to both parties. It is also wise to mention about attachments to the hardship letter, which are proofs of financial difficulty claim.