While utilizing the Airport Transfer in Ashford you are additionally offered one more benefit. You will actually want to rest in the vehicle on your way to the inn. Everybody feels tired after a long flight and driving several hours is something that you will not need to do in the event that you utilize this sort of assistance. You will rest, making the most of your ride and you can either sleep or appreciate the view out of your vehicle window.

Recall that these days you don’t need to surge subsequent to landing and fall in line to discover a vehicle and drive it to your objective. There as of now is help that guarantees your outing will be truly agreeable, safe, and you will not need to stand by one additional moment to get to your vehicle.

Is it true that you are worn out on holding up in line and managing all the desk work when you land at the air terminal? Maybe the time has come to consider an occasion to move administration. On the off chance that you will save yourself all the difficulty, migraines, and stress, you can discover the air terminal exchange administration that best suits you. The costs don’t vary like the other vehicle administrations. You will actually want to book it alongside your flight. Another huge benefit is that your vehicle will be sitting tight for you regardless, and you will get an accomplished driver, who will get you to your inn securely and in a brief timeframe. Remember that air terminal vehicles are entirely agreeable, so you don’t need to stress over that. Consider utilizing this sort of help in the event that you need to save yourself a difficult situation. The air terminal exchange is an extraordinary method to get to your objective after you land. It is exceptionally financially savvy and agreeable. You will arrive at your inn securely and in a matter of moments.

Solo trips can be fun. Are you a loner? Do you like spending time by yourself without being surrounded by people? Do you think you have had enough of a crowd around you all this while? Desperately looking for a break? If that’s what you want, in that case, there can be nothing better than a solo trip. All you need to do is to stuff your sack with all the essential requirements for the trip and then set away. One of the major aspects of a solo trip, which in fact adds to the fun and thrill, is the fact that you do not have to follow any specific plan. You are the decision-maker and you can go anywhere you feel like, spend as many days as you want. However, it also needs to be mentioned that when it comes to a solo trip, especially in certain areas, there are elements of risks that are involved. How often have you heard people being robbed and even murdered on a solo trip or hitchhiking? Abduction is one of the most common mishaps to be reported all over the United States. Therefore, it won’t be a bad idea to carry a weapon with you. You can carry a semi-automatic or automatic revolver or a pistol, which would add an extra layer of safety for yourself. Talking of guns and rifles, you can buy AK 47 rifles from Palmetto state armory.

How to get prepared for a solo trip? 

If you are planning for a solo trip, in that case, there are a couple of important aspects which you need to take into consideration. Yes, a solo trip means that you don’t have to be responsible for others. It is all about yourself. If required, you can even afford to spend an entire night under the sky. However, there are a couple of precautionary measures which you need to take, and at the same time, you need to ensure that you have certain arrangements to ensure your safety, protection as well as comfort. In the following section of this article, you will be offered few useful tips, which can help you in preparing for a solo trip.

  • You need to make sure that you carry your identity card with you. Often, solo travelers are looked upon with suspicion. Therefore, to avoid any sort of unwanted situation, it is always a smart idea to carry your identity card to prove your authenticity.
  • Do you wish to stay in hotels or motels? If that’s what you have in mind, in that case, it would be a smart thing to book your rooms in advance. This is particularly true if you are planning for a trip during peak season.
  • Looking for some adventure and thrill? If that’s what you have in mind, in that case, you need to be very careful. You must refrain from getting carried away and indulge in something which could cause harm to you.

Apart from these, a solo trip requires everything which you would normally need for a regular trip. It needs to be mentioned once again that ensuring your safety and protection is very important. Therefore, carrying a firearm will not be a bad idea.

In this article, we are going to talk about things to consider when choosing the best money lender Singapore. Also, we will talk about what is legal lender, Difference between legal and illegal lender.

What is a legal moneylender?

Legal moneylenders are those people who have been approved by the law to give loans to people. This means that these are the financial institutions that give loans to the people who are in need. The moneylender can either be a single person or a group of private individuals. These people are an alternative to the bank loan and provide much faster service.

They also give you loans at a lower rate of interest than the bank. This is because the bank needs to pay many charges, so they take high-interest rates. The Ministry of Law (MinLaw) analyzes every lender in Singapore and tells which one is the best. Such kind of arrangement can be helpful for people who want to take a quick loan.

They also give out loans depending on the income of the person, not the credit report. This makes the chances of a person to get more and more secure and not exploited in the market. That is because there is also lender who are illegal and they are looking just same to the legal lenders. This is because they copy everything about them, like their number and also their license numbers etc.

The easy way to find an illegal lender is to check if they are ready to meet face to face or not. The MinLaw will check every month all the lenders in the market to see who is working best and not cheating. Those found cheating will be removed from the list and made illegal.

What are the differences between a loan shark and a legal moneylender?

Here is a list of some of the differences between both legal and illegal moneylenders.

  •  Loan amount

The minimum loan amount which every lender can give is fixed at $3000. The maximum amount will depend on the monthly income of the person. If salary is less than $20,000, the maximum is $3000 and more than that. It will be six times the income. While the illegal lender will give a high amount of loan with low rates of interest.

  •  Interest rate

According to the rules and regulations set by MinLaw, a moneylender can only take a 4% loan. This means that a legal moneylender will not take more than this amount of interest rate. While the illegal moneylender will promise low and then will take interest rate somewhere near 10%.

  •  Documentation

The licensed lender will always give you a contract to sign which has all the terms and conditions of the loan. He will then explain to you these things written and then ask you to sign if you are interested. The illegal lender will not have any kind of paperwork to do when they give you a loan. They will not also give you a contract and will try to make a deal on the phone call only.

  •  Type of fee charge

There is a certain restriction imposed on these lenders on taking fees from the borrower. The legal one can take $60 if the payment is late and not more than 10% as administrative fees. While the illegal lender will charge you more than the limit which has been set by the government.

  •  Physical office

According to MinLaw, a licensed lender is required to have a legal office with documentation. This means that you can easily make out by going to a lender whether they are legal or not. The illegal lender will not have an office. They will only deal with anyone through the phone, email, or call.

  •  Loan term

The maximum term for which you can take a loan is for five years, and the minimum is for one year. The legal lender will give you a loan between these boundaries, while the illegal might give you for a long time.

  •  License information

A legal lender must take all the necessary documentation to make themselves look legal. They need to have proper documentation to get on the list of licensed moneylenders. While the illegal lender will never try to give you their license information.

This is because if you check the license number, then you will know that they have copied it from some else.

What are the things to consider when choosing the best-licensed moneylender?

How do personal loans work in Singapore is a question that people ask when they take a loan from the moneylender. This is very simple as it takes only a little time to process, and the money is given to the borrower. Here are some things to consider when choosing the best moneylender in Singapore.

  •  The lenders’ reputation and creditability

The first thing to do is check whether the license is legal or not on the MinLaw website on the internet. Then you have to do a background search of the legal moneylender on Google and check their reviews. You can also look at the feedback form and even ask the people who took a loan from them. The best way to find about reputation is to talk in the market about the lender.

  •  Reasonable interest rate

You should check whether the lender is giving a good rate of interest or not. This is because they are only allowed to take up to 4% of the total loan amount. So they should give less interest rate than the maximum limit of the interest.

  •  Flexible repayment option

This means that you should check if they are providing you with a good long-term loan or not to meet all your requirements. Also, these lenders are instructed to give extra time to people who cannot pay back their loan amount.

  •  Hassle-free application process

This means that a legal lender will not have to do a lot of application work and get approval. They will take the request form and check the income of the borrower, then lend them the loan amount.

In this article, we are going to talk about why a person should borrow from a moneylender if they need it urgently. Also, we are going to discuss what licensed moneylenders, the difference between borrowing from banks and lenders is.

What is a licensed moneylender?

In Singapore, a moneylender is a person which is authorized by the government to give loans out to the people. They offer a different kind of loan but mainly personal loans and money is given almost instantly. Either they will personally lend you the money or they will act as a third party. This helps the borrower to get a loan at the lowest rate of interest.

To find the best license moneylender in Singapore is a very easy process you just have to pay attention. There are many kinds of institutions in the market which act as a lender and there are also private people. To become a legal moneylender you will have to follow all rules and register yourself on the MinLaw website.

Unlicensed moneylenders or loan sharks can sometimes give you a loan according to your need. These loan sharks are not authorized by the government they are looked after by certain laws. The government has set several guidelines which these lenders have to follow to become legal. The guidelines also mention that a lender will have to take a low-interest rate from its borrowers.

They can take the processing fee but it should not exceed 10% of the total loan amount. The MinLaw will also check the different terms and conditions of a lender then allow them. These terms and conditions should meet the requirement set by MinLaw. The Singaporean government is trying everything to save the people from getting scammed and fraud. They are doing this by bringing new rules and also time to time checkup of a lender.

How to apply for a loan with a licensed moneylender?

The process of sending a loan application is very simple and easy to perform. You can either fill the form online on their website or you can to their office and fill in the documents. Most of the licensed moneylenders will take a time of up to 5 minutes to finish the processing and give money.  Based on your needs or required amount they will either check your credit report or your payslip.

A licensed moneylender will also check your finance and your credit background and decided what to do. The moneylender does not refer to a person’s credit score they mainly look at their payslip. This means that even if your credit rating is bad you can get a loan from them. With a bad credit score, there is a high chance of you getting money from a licensed lender.

The process is very simple as first you have to select the lender you want to take a loan from. Then you will have to read all their terms and conditions very properly. If you don’t understand something you have to ask the lender to give information.

Then after you have read the terms and conditions you can decide whether to take the loan or not. You will then have to select the amount you want as a loan and they will tell you the rate on interest. If there is an agreement between the two parties then the loan is given to the borrower. Also, there are loan sharks, Ag Long which are names of the unlicensed moneylender. This means that the person will take the money and then they might disappear.

What type of loan can you get from a licensed moneylender?

There are different loans that you can get from a licensed moneylender. The most common loan which is given by the licensed moneylender is the personal loan. These moneylenders can provide a business loan, personal loan, wedding loan, and also short-term cash loan.

The lenders in Singapore have to follow all the rules and regulations if they want to give loans to the people. They will also give you fast personal loans in Singapore that too within 5 minutes maximum time. The process of form filling and processing and transfer of money is very short.

They have a license to lend money to borrowers but that too at certain prices. Also, they have to follow the rules and regulations to stay legal and in the marketplace. If you need a large amount of loan then a bank might be a good idea for you. That is because they can give up to 4000000 SGD of loan to a single person.

While the licensed moneylender can give you a loan of up to 1500000 SGD to anyone. You can take a loan from a lender if you have an emergency or urgent need for cash. If a lender is charging you more rate of interest than the rules then you can file a case against them.

What are the benefits of choosing the right moneylender?

There are several moneylenders out there in the market some are legal and some are illegal. Here is a list of benefits that come when you borrow money from a legal moneylender.

  • You can get a loan within a day or maybe even in just 5 minutes after filling the documents.

  • These lenders will give you an affordable interest rate that is suitable for almost everyone.

  • Hassle-free means that you don’t have to wait for a long time for the process to get completed.

  • Moneylenders are like friends and you can borrow instant cash from them but you have to repay them also.

What is the difference between lender and bank?

Here is a list of some differences between loans given by moneylenders and banks.

  • Loanable amount

The loanable interest or amount is the total amount that you can take from the lender or bank. You can take up to 4000000 SGD from the bank and up to 1500000 SGD from a moneylender.

  • Approval speed

This is the speed at which your application is approved or rejected by the authorities. The bank takes around 1 day to complete and moneylenders take something around 5 minutes.

As the title suggests in this article, we are going to include the topic of b1 test booking. You must be living under a rock if you don’t know what that is. The B1 test is conducted to test the candidates English. In the process of applying for the visa, it is very important to have. There are certain things that you must know before applying for the B1 test.

It is an English test. The exam no will examine the English speaking skills of the candidate. The applicant must be very knowledgeable about it. This test is divided into two sessions. Firstly the candidate must speak in English for 5 minutes. The examiner will give you the liberty to choose a topic of your own.

This is a self-selective session where you can choose the topic of your own interest. Always go for a topic that you are keenly interested in as it will be easy for you to communicate the ideas in your head. It will enable you to speak for 5 minutes continuously in front of the examiner. Keep reading to know more about the b1 booking test.

How to place a booking nearest your residence? 

Travelling long distance can take a heavy toll on you. Well, this is not a problem anymore as you can place the booking nearest to your residency. All you have to do is check out the exam chat on our website. You will get to know about the exams taking place all over the city.

As per your convenience, you can place the B1 test booking. Always place the booking beforehand. This will not cause any delay to you. To appear for the B1 test, you can choose the nearest booking centre. You will not have to travel long distances.

The candidates can get the date for the examination at your convenience. What can be better than this? Book the examination centre very close to you. Do not think twice before booking for the British English test.

Why is the British visa test important? 

 This test is also known as the British English visa test. It is held to test the English dialect of the candidate. This is an important part of the procedure. This is one of the best ways to pass the online visa test. To get a British visa, you need to pass this examination. It is divided into two sessions. For the first, you will select a topic and speak about it.

The examiner and the candidate will have a conversation/ discussion. The second section consists of where the examiner will give you a topic of their own choice. The candidate must speak fluently in English about the topics. The beforehand preparation is a must to pass the B1 test.

It will lead to one of the best results. You can obtain a British visa after passing the b1 test. To simplify, the b1 test is of great significance. We hope this article will help you out with the purpose.

If you have been charged with a crime, you may want to consider hiring a criminal defence lawyer to get you out of trouble. By having a lawyer on your side, you will have an increased chance of getting your freedom instead of spending years in jail. But, because there are many criminal defence lawyers out there, you must know what exactly to look for. When choosing a lawyer, consider the following to find the right one:

The Nature of Your Case

Every Vancouver criminal defence lawyer has a specialization. To hire the right attorney, you must understand the nature of your case. Choose a lawyer based on the charges you are facing. For instance, if you are facing a fraud charge, you need a lawyer who has experience in this type of case.

Licensing and Criminal Defence Record

When picking a lawyer, you must ensure they are licenced and have a good record of success in defending their previous clients. Take your time examining their credentials and past case records so you can narrow your choice down. Check their website or ask them directly to find this information.

How Comfortable You are with the Lawyer

You must trust your feelings when meeting with a possible lawyer to work with. Look for a lawyer you could closely work with. They should have a likeable personality since you will be working with them for the next few months. Also, the Vancouver lawyer should explain your options and allow you to pick the right one. They should make you comfortable and never force you into making hasty decisions.

Their Legal Team

A good lawyer has a strong legal team to get ready to present your case in court. Ask to meet with the paralegals, administrative staff, and other lawyers in their firm. The best lawyer knows that winning a criminal defence case is not a one-man job.

Lawyer Confidence

It can help to find a great criminal defence lawyer to find confidence in them. No lawyer could guarantee a specific outcome of a case. But, they should be able to build a strong case. Never depend on a lawyer who fills your minds with promises they can’t guarantee.

Fee Structure

A great lawyer does not want confusion about their bill. Rather, they will explain how they bill in simple terms and give you an idea of what to expect in terms of the fees for services and the total cost of your defence.



Probably you have just moved to NYC, or you have recently purchased a home in the Upper East Side. Among many things that should be on your contact list, a good dental clinic is probably one of the important ones. Thanks to Google, finding an Upper East Side dental office doesn’t have to be hard, but what should you expect about visiting a clinic for the first time? Here is a quick overview that will come in handy.

  1. Check the website first. Most dental clinics in NYC do have a website, and you can find most of the relevant details on their portal. Check if the dental clinic is open to family needs, or in other words, if they offer their services and treatments for adults and kids alike.
  2. See the experience. Once you have booked the appointment, arrive at least 20 minutes before the scheduled time, as some paperwork may be required. Check if the dental clinic assigns a time and how long you have to wait to see the dentist.
  3. Meeting the dentist. Your first meeting with an experienced dentist is important, because you get to know their educational background, expertise, and overall communication skills. No matter whether you are heading for a regular checkup, or a specific dental problem, a good dentist will take interest.
  4. Know the basics. If a dentist has recommended a treatment, ask questions. Find about costs, alternatives, and if the treatment is a must. It is also best to ask about insurance, if the procedure is likely to have any downtime, and other precautions that may be necessary.
  5. Reviews do matter. If you really want to evaluate dental clinics in the Upper East Side, you have to check for reviews. Find more on what other patients may have to say about a clinic.

Check online now for more details on dental clinics near you.



Cover letters offer a brief introduction of your career as a poet. They also give a pitch to the judges of poetry contests or editors of magazines or journals about why your submission is the best. 

Steps for Writing A Strong Cover Letter

Here are 4 steps you can use as a template in writing cover letters for any submission type.

  • Provide your contact information
  • Write the greeting and the body
  • Write the closing
  • Provide exactly what they want

Provide Your Contact Information

Type your email address, phone number, and residential address at the upper left-hand corner of your document. Ensure this information is accurate because this is what editors of magazines or poetry competitions organizers will use to contact you. If you are submitting by post, ensure that you include your name, postal address, and email address in the top right-hand corner. 

Write the Greeting and The Body

After writing the date, write the salutation to the magazine, journal, or contest organizers. The next step is to write the body of the poem. Check the guidelines to see if they allow that you mention how many poems you are sending. Also, alert them if you are making simultaneous submissions. 

After the first paragraph, include a short bio of around five sentences. On the bio, highlight your best-published work and major awards you have won previously. If you have not been published yet, worry not. The editor will be delighted to find new talent in you. 

Write the Closing

Write the closing remarks of the letter and include your name at the end. Three paragraphs are enough for a typical cover letter. Ensure a cover letter does not exceed a page. 

Before submitting the letter, check the guidelines to ensure that you have provided everything that was asked for. A submission can be discarded for failure to adhere to the guidelines provided. You will get an automatic disqualification from poetry contests if you do not do as per the parameters given. 

Tips to Consider for Literary Magazines

Some literary magazines and presses prefer established poets to novice poets. A well-crafted cover letter can tip the odds in your favor. Some also care about the poet’s credentials and history of past publications. 

However, most literary magazines don’t consider past publications, and so your chances of getting published are high even in the absence of past publication credits. 


Additional Tips

If you are accepted, send a brief email to the editors thanking them for accepting your submission. If you are rejected, you don’t need to respond. If you have to, keep it short to thank the editors for their time. But be careful not to sound reproachful in your response. 


A poet must uphold all the rules when submitting to poetry competitions. A slight mistake can cost one a placement. All in all, it is good to submit because it gets your work into the hands of readers. It is very fulfilling to share your work with the world.