Сентябрь 2010

Industrial Lubricants

Lubricants may be solids, such as plastic beads, glass beads, nut hulls and graphite, or liquids, such as oils, synthetic fluids, glycols, modified vegetable oils, fatty-acid soaps and surfactants. A lubricant provides a protective film which allows for two touching surfaces to be separated, thus lessening the friction between them. The two major categories of lubricant are those that are organic and those that are synthetic. Specialties include: any type of industrial or power train lubricant, fuel, base stock, intermediate, additive, functional chemical, coolant, or process oil. As with other lubricants, its job is to reduce wear and friction between moving objects (like engine parts), enabling longer operation and higher efficiency. This reference summarizes current knowledge about the different materials that are added to lubricants to improve their performance characteristics.

Oil as a lubricant

Oil — A general term for a water-insoluble thick liquid that possesses lubricating properties. You may be tempted to use other types of oil you already have around your house or WD-40 or something, but many of those things are flammable and will only serve to damage your shredder or worse. In the last century, synthetic additives extended the effectiveness of age-old lubricants like oil. Emulsifying agents are sometimes added to oils for production of cutting fluids, which are to be mixed with water. The primary purpose for changing the oil, of course, is to eliminate the contaminants because in most instances the lubricant is physically and chemically fit for continued service. Due to environmental concerns, the disposal of used oils is heavily regulated by the Environmental Protection Agency (EPA). The groundbreaking technology of fully synthetic gasoline engine oil formulated from Di-Synthetic Protect technology with SAE 0W-40; which fuel economy follow by ILSAC GF-4 standard is an advantage.

In most complex mechanical systems, lubricants help reduce friction and protect moving parts against wear. Knowing how the behavior of lubricants can change and affect the lubricated surfaces under these conditions is becoming more important as the need for miniaturization leads to development of ever smaller components.

Learn When it is Important to Use Payday Loans

Have you ever found yourself without money in the middle of the month, and your paycheck is nowhere in sight? You are not alone; many people have had emergency situations come up with no way to pay for it. Your only option is to take out a payday loan. A cash loan is a temporary solution to emergency debts and should be used accordingly. Someone with more debt than income should not use a cash loan, as the debt load will only increase and repayment of the loan will be nearly impossible.

The interest rates and fees on cash loans can be very high, so it is important to read over the terms and conditions of the loan before you sign on the dotted line for your quick cash. Do a search of various lenders and compare their terms and rates before you decide who to do business with. Find a loan company that will be honest about their fees, interest rates and any penalties and fees. Approval is quick and lenders just need to verify your income before they will give you a loan. Once you are approved for a loan, the lender will directly deposit the money into your checking account in a short amount of time.

You can check out a lender online by going to the Better Business Bureau. Since you will be providing your personal, job and checking account information to a lender, you will want to make sure that you choose a reputable and legitimate lender who will not take your money or details and run. A lender will use your checking account to deposit the money rather than give you a paper check.

While payday loans can help in a financial emergency, it is best to try to put away a few dollars from each paycheck so that you don’t have to pay extra fees and interest rates on a cash loan. Having an emergency cash fund will allow you to pay for any unexpected expenses. If you are unable to start an emergency fund, you may have to find a second job or somehow cut your monthly expenses. Maybe you can find unneeded household items and hold a garage sale or sell items on eBay. You might want to make a list of items you can’t live without, and make a list of items you can do without for awhile. It is sometimes difficult to prune nonessential items from your monthly budget, but keep in mind that you can learn to live without things so that when an emergency financial situation does arrive, you can afford to pay for it without having to take out a payday loan. If it is absolutely essential that you work with a loan company, then make sure that the lender has a pristine reputation before you give him your business.

How Do Long Lease Letting Schemes Work?

If you are a struggling landlord who is fed up with the stress and strain often brought about through tenants, voids and maintenance costs then you may wish to give some consideration to lease letting schemes, but what are they?

In short, there are companies that offer long lease lettings to landlords and who will maintain your property and pay rent that is guaranteed and you are not charged anything. The scheme works by the company paying you around 70% to 80% in cash for the property, even though there is a reduction in the price you do not lose out, as with the difference the company looks after the property for you and ensures that it remains in good repair. This means that the rental money you get is all yours, there is nothing taken out of it. Plus you never have to worry again where to get the money or find the time to take care of maintenance costs that often turn up when you least expect them.

A scheme that works for everyone

Long leases work in two ways, the first is that the company is assured tenants are not going to leave the property as they find tenants wanting to rent over the long term and second the tenants have the security of knowing they have a home. When tenants feel secure, they are more likely to take great care of the property and so the company does not have the worry of high maintenance costs.

Companies offering long lease letting schemes tend to offer long-term tenants the option of being able to purchase their home at some point, which again works for all parties. Landlords are able to benefit by the company finding tenants that want long term leases, there are no management costs and landlords do not even have to have contact with tenants themselves, as the chosen company takes this over. The many challenges that landlords are faced with are thereby avoided. If you are worried about voids in tenancy or are fed up with high maintenance costs, then long lease letting schemes may be the ideal choice.

The benefits to the landlord

Such a scheme may be ideal of anyone who struggles to keep tenants for the property or who are struggling to find tenants, as the company finds tenants wishing to rent over the long term and who will therefore look after the property and not let the landlord down when it comes to rent. Here are some of the many benefits you as a landlord are able to look forward to:

* Avoiding conflicts with tenants;

* You have no more bills to pay out of your own pocket for maintenance;

* There are no more voids that cause you considerable expense;

* You are able to avoid any problems and unforeseen events;

* You do not have to worry about rent arrears.

If you wish to save yourself a great deal of stress and strain a guaranteed long lease rent scheme may be the ideal solution with all the benefits. Consider entering into a guaranteed rental agreement between three and ten years with no costs to you.

Is it Time for a High-Volume Merchant Account?

When your business grows to the point where it is ready to move into the electronic age, you should give some thought to opening a high volume merchant account to expand your company’s potential. A merchant account will allow you to partner with a local bank or another financial institution to provide credit card processing payment options to online customers through the company Website.

Creating a high volume merchant account will let you increase operating capacity to process exponential numbers of customers and credit transactions. You won’t have to worry about keeping correct change on hand at all times, nor will you have as many bad checks to chase after. Your customers won’t have to look for an ATM and pay extra usage fees to get cash when they wish to shop at your company’s physical location or online Website. You can hire fewer people to accept payments since your electronic equipment will be able to do that for you. In a short time your profits may soar as operating costs dwindle.

To apply for your high volume merchant account, first find a bank that offers this service. It need not be in your area, as you can now do most banking tasks online via the Internet. You will probably want to open your merchant account in a country that is economically stable. One with U.S. bank branches might be particularly useful in helping you open a high volume merchant account, since many U.S. banks enjoy a highly esteemed international reputation. Whether you apply online or in person, you will need to show proof of your citizenship and your company’s country of operation. You must show that your business does not involve illegal, and in some cases, immoral activities like pornography, gambling, pharmacy, and telemarketing initiatives. Generally, there are no limits on volume, so even if your credit card processing unit brings in far more profit than anticipated, you need not worry about being charged extra fees, although you will have to clarify this up front.

Your application for a merchant account could be approved in a day or two, which means you could start accepting credit card payments in a couple of days. Of course, you will need to select the type of credit card processor that you want to use either at a physical location or via your online Website. You may want to use a wireless processor for employees who travel from one site to another. Your high volume merchant account will be ready for business promptly to ensure that payments can be processed right away for your customers’ convenience and your company’s profit.

Many entrepreneurs, company owners, and managers find it exciting to expand their operations to include credit card processing options so that customers can shop night and day, 24/7. Start browsing online banking sites or community financial institutions that can provide this opportunity, and carefully read the conditions and terms for each institution before you choose one and apply for your high volume merchant account.

Indian SMEs Boost Business in Bahrain

Over the years, Bahrain has maintained a steady economic growth prompting several foreign investors to explore its business environment. Bahrain’s free economy status in the Gulf region and a diversified industrial landscape are factors responsible for its attractiveness as a destination for large-scale investments. In recent times, a growing number of Indian SMEs are entering the Bahraini market to capitalise on the opportunities available for growth.

India’s total trade with Bahrain has increased substantially in the past few years. Notably, total trade between the two countries stood at around $1,081 million in 2007-08. India has been a major exporter of textile, fruits, machinery, iron and steel, paper, rubber and leather products to Bahrain. Alternately, Bahrain has exported oil, chemicals, pharmaceuticals, base metals, iron and plastic products to India.

Bahrain’s liberal tax structure that exempts all companies, except those in the oil and gas sector, from paying corporate taxes is the biggest draw for most foreign investment companies. In addition, Bahrain offers access to a highly skilled workforce, which makes it more lucrative for trade and Investment Guide .

Sectors of growth

Market analysts believe that Indian SMEs should target growth in sectors such as logistics, IT, automotive engineering, education and tourism in Bahrain. They further opine that Indian telecom SMEs should set up centres in Bahrain to maximise their return on investment (RoI).

Bahrain’s Information and Communication Technology (ICT) industry is another potential segment for growth. The sector is expected to touch $375 billion by 2010 and is expected to grow at a robust pace in the next 5 years. Indian ICT SMEs can, therefore, grab a considerable market share by addressing the increasing demand for innovative IT products and services in Bahrain.

Indian SMEs in the finance sector should also tap the potential that exists in Bahrain’s financial markets. Mutual funds, asset management and private banking are some of the most promising segments.

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