5 tips to achieve your goals


Having the goal to pursue day to day basis is the thing that inspires us and fighting for them is intimately related to wellbeing and mental health. In fact, one of the main reasons or symptoms in a depression is the loss of illusion and interest for life goals. In other words, setting one man’s goal helps us be well because if we do not have goals in life we ​​can go through a stage of existential crisis.

But the objectives are important not only for our emotional well-being and personal development, but that setting goals contributes positively to other areas of our life, such as sports or work performance. This allows controlling important psychological aspects such as attention, self-confidence or motivation, which are so important to be able to perform at an optimal level.

Tips to achieve your goals

In today’s article, you will learn 5 keys to achieve your goals and recover your enthusiasm for vital goals. Do not miss them!

  1. Find a realistic but challenging goal

The objectives must be realistic because otherwise they can cause us tremendous frustration. Therefore, you must know and analyze the resources that are available when reaching the goal.However, the objectives that you set yourselves must be challenging and must be a challenge to keep us motivated in this way. This is possible through an active thought process, that is, thanks to self-reflection.

  1. Impregna your goal of positive emotions

When you have your goals in mind, make a list of the positive things you will get when you reach them. Think about those things that motivate you about the goal or how you will feel when you achieve it. Remembering it daily will help you overcome the difficult moments, which always exist.

  1. Create a visual representation of the scene

In addition to the previous point, you can also create a visual image of the process and the result. If an increase in salary means you can take your family on vacation, cut out images and stick them on a mural or piece of paper and hang it in your room. This will motivate you to keep going every time you see it.

  1. Share it

This point is especially indicated for business (and also sporting) objectives. In fact, one of the most important types of leadership today is transformational leadership, as these leaders are able to get employees to connect with their idea of ​​the goal or objective.

  1. Be patient

Now is the time to be patient and keep fighting. Maybe not everything goes the way you wanted the first time, but you must keep fighting for what you want so much. One of the keys to success is getting up as many times as you have fallen. In bad times, think that it is normal that everything does not go perfectly.

The Evolution Of Windows And Doors Whitby

Windows and doors Whitby are integral parts of any building. They provide security, ventilation, natural light, and aesthetic appeal. Over the years, windows and doors have evolved significantly. Homeowners should understand how windows and doors have changed to meet the needs of modern-day homeowners.

From the early days of settlers to the present, the demand for windows and doors has grown. The first windows and doors were simple and made from local materials like wood and stone. They were small and designed to keep out the elements while allowing natural light and ventilation. Below is an overview of how, as technology advanced, so did the designs and materials used in windows and doors Whitby.

  1. The Early Days Of Windows And Doors 

The history of Canada Windows and Doors Whitby dates back to the early days of the settlers. The earliest windows were small and made from locally sourced materials like wood and stone. These were functional and designed to provide ventilation and natural light while keeping out the elements.

The first doors were made from wood and were typically small and simple. The design of these windows and doors can keep out the wind and rain and provide privacy. As the population of Whitby grew, so did the demand for larger and more sophisticated windows and doors.

With the introduction of glass windows, the design of windows and doors became more intricate. The early glass windows were small and fragile and must be replaced frequently. However, the technology improved over time, and by the mid-19th century, larger glass panes were being used in windows.

  1. The Rise Of The Industrial Revolution

The Industrial Revolution significantly impacted the manufacturing of windows and doors. New technologies introduced materials such as steel, aluminum, and vinyl. This led to the mass production of windows and doors, which made them more affordable for the average homeowner.

The introduction of new materials also brought about new designs. For example, steel windows allowed for larger panes of glass and more intricate designs. Aluminum windows were lightweight and required minimal maintenance. Vinyl windows were affordable, energy-efficient, and came in various colors.

  1. The Modern Era Of Windows And Doors

Today, windows and doors are not just functional; they also play a significant role in the aesthetic appeal of a building. Technological advances have made the design and construction of windows and doors more complex. Energy-efficient windows and doors are in high demand, and new materials like fiberglass and composite are being used to meet this demand.

Fiberglass windows are durable, energy-efficient, and low-maintenance. They are also available in a wide range of colors and designs. Composite windows, on the other hand, are made from a combination of materials like wood, vinyl, and fiberglass. They offer excellent energy efficiency and durability and are environmentally friendly.

The design of doors has also evolved. Homeowners can choose from various materials, including wood, steel, and fiberglass. The design of doors has become more intricate, with glass inserts, decorative grilles, and sidelights.

  1. The Future Of Windows And Doors 

The future of windows and doors in Whitby is bright. With the continued advancement of technology and the demand for energy-efficient products, we can expect to see even more innovative designs and materials.

The use of automation and smart technology is also on the rise. For example, homeowners can now control their windows and doors with a smartphone app or voice commands. This technology allows for greater energy efficiency, security, and convenience.

Why you should seriously consider taking a Machinery and Equipment Loan to Boost Your Business Growth

Are you a business owner looking for ways to boost your growth? If so, you may have heard about the benefits of machinery and equipment loans. But why should you seriously consider taking out a loan to finance new machinery and equipment? In this article, we’ll explore why you should seriously consider taking a machinery & equipment loan to help you reach your business goals. We’ll look at the key benefits of this type of loan, as well as how you can make the most of a machinery and equipment loan to maximize your business growth. From the ease of access to the potential to reduce taxes, there are several reasons to seriously consider taking out a loan for your new machinery and equipment needs. Read on to find out more.

What is a Machinery and Equipment Loan?

Are you a business owner looking for ways to boost your growth? If so, you may have heard about the benefits of machinery and equipment loans. But why should you seriously consider taking out a loan to finance new machinery and equipment? In this article, we’ll explore why you should seriously consider taking a machinery and equipment loan to help you reach your business goals.

A machinery and equipment loan can provide you with access to the resources and technology you need to expand your business. By financing the purchase of new equipment, you can improve efficiency, reduce overhead costs, and increase productivity. This can help your business grow more quickly and become more competitive in the marketplace. Additionally, machinery and equipment loans can offer you the flexibility to make payments over a longer period of time. This means that you can make payments that fit within your budget and ultimately save money in the long run.

Finally, taking out a machinery and equipment loan may also help you to save money on taxes. In some cases, you may be able to write off the cost of the loan, as well as the interest payments, which can reduce your overall tax bill. This can be a great way to maximize profits while also taking advantage of the benefits a machinery and equipment loan can provide. With all the potential benefits of this type of loan, it is no wonder why business owners should seriously consider taking a machinery and equipment loan to help boost business growth.

Benefits of a Machinery and Equipment Loan

A machinery and equipment loan can be a great way for business owners to boost their growth. One of the key benefits of this type of loan is the ease of access. Machinery and equipment loans are usually quite easy to apply for and receive. The application process is typically quick and straightforward, and the loan can be used to purchase the necessary equipment right away. This makes it an ideal solution for businesses that need to purchase new machinery or equipment quickly.

Another key benefit of a machinery and equipment loan is that it can often provide tax breaks. Businesses can often write off the interest payments on their loan as a tax deduction, resulting in a significant reduction in their overall tax burden. This can be a great way to increase your business’s overall profitability and help you reach your growth goals.

Finally, a machinery and equipment loan can also make it easier to upgrade your equipment. By taking out a loan, you’ll be able to purchase the most up-to-date equipment and machinery without having to use your own cash. This can help ensure that your business is well-equipped to meet the demands of the modern marketplace and remain competitive for years to come.

Overall, there are a number of key benefits of taking out a machinery and equipment loan. From the ease of access to the potential to reduce taxes and upgrade your equipment, this type of loan can be a great way to help you reach your business goals.

Making the Most of a Machinery and Equipment Loan to Maximize Business Growth

Taking out a machinery and equipment loan is an excellent way to maximize business growth. Machinery and equipment loans offer a number of key benefits that can help your business reach its growth goals. Firstly, these loans are easier to obtain than traditional loans, which have more stringent requirements. Secondly, using borrowed funds to buy new machinery and equipment can also help reduce your business’s tax burden, as you can deduct the loan interest payments from your taxes.

Additionally, when taking out a machinery and equipment loan, you can often choose a loan term that suits your cash flow needs. You can opt for a short-term loan that is repaid quickly, or a longer-term loan that allows you to spread out payments over a longer period of time. This can help you manage cash flow more effectively, which can help you achieve your business goals.

Finally, taking out a machinery and equipment loan can also help you take advantage of new technological advances. By investing in new machinery and equipment, you can increase productivity, reduce costs, and improve your competitive positioning. Investing in the right equipment can also help you attract and retain the best talent, which can lead to greater success.

In conclusion, taking out a machinery and equipment loan is an excellent way to maximize business growth. By taking advantage of the key benefits that come with these loans, you can invest in the right equipment, keep your costs low, and take advantage of new technological advances to reach your business goals.

Best Office Design Ideas

Work culture has undergone significant development recently, and companies have come up with the best design ideas for their office spaces. Office designs have undergone a major development, and interior designers have come up with better designs in this competitive market. 

Below we discuss the best office design ideas;

  1. Open Floors

This is one of the best developments in the office world and has proven to be effectful. Fewer walls are a more appealing sight to the office’s space design. Companies are developing more views in different spaces as it encourages collaboration and enables them to oversee floor changes when necessary.

The open floor plan is also cheaper to implement and greatly benefits a business setup. It improves the employee’s health as they will breathe fresher air and enable them to move around easily. We at Fusion provide office design services at affordable rates, and you should consider contacting us. 

  1. Visible Company Mission and Vision

The office’s décor should market the company itself and feature its vision and mission. Remember, décor represents what the company stands for, and the vision should be incorporated attractively. 

This vision reminds the staff of what the enterprise is all about, thus pushing them to achieve more. 

  1. Color

Color is another top consideration for a fully-functional office space. Companies are advised against going overboard with these colors. Instead, they should stick to their brand’s color. Sticking to your organization’s color builds a good business flow, and you are also warned against using many varieties. 

The color scheme should be the same in the ceilings, walls, and floors for the most effect. Office settings can also feature shades of green or yellow. 

  1. Wall Art

Most organizations use excellent wall art, which the locals make in society. These arts are excellent aesthetics for every organization, and they promote the local artists as well. 

This means you should think carefully before hanging them on your walls. The art used should be relevant to your office’s principles, and you should check the artist’s interpretation of your company before buying. 

Furniture can also be used to complement this art, but it should also have a certain theme. Office furniture is among the most vital office elements, and much consideration should be put in place before buying them. 

  1. Paintings and Mirrors

Paintings are of great value if you are looking for décor to fit your budget. Most paintings are cheap but have a tremendous effect on your office space. Paintings improve your office’s appearance and take less space. They are mostly in dark or white colors to match the rest of the décor. 

Paintings capture your client’s attention simply and do not harm the eyes. On the other hand, mirrors are also top office requirements as they add to their professionalism. They make the office space look bigger, making it look more inviting.

Final Thoughts

The office space is sacred, and much detailing must be considered to make it more appealing. The above article has discussed the top office design ideas, and more are available online. 

Tips For Buying A New Business Laptop

How To Choose The Right Business Laptop

So the time has come to finally upgrade your work laptop. Exciting, of course, but also potentially very confusing. The days of simply picking the latest model, paying, and going home smiling are well and truly over. The options are near overwhelming these days, with dozens of models to choose from. Prices also fluctuate dramatically, adding additional pressure. Which model do you need, and why?

Let’s take a closer look, get a better understanding of how it all works, and choose the appropriate laptop.

What Do You Need It For?

The most obvious, but often least asked question; what do you need the laptop for? If it is strictly a work laptop, needed for word processors and checking email, there is some good news. A strictly work based laptop is not only affordable these days, but also surprisingly still very capable.

Mid-range devices with modern i5 CPU’s, for example, will handle just about anything you throw at them. Though, naturally a work laptop won’t be doing much more than the basics. If you’re intending on doing any gaming on your new laptop, be prepared to open your bank account much wider. The same goes if you are intending on doing any processor intensive work, such as video editing or modelling.

Apple Or PC

Apple has gained a reputation for being business friendly, and there is some merit to the argument. The Apple OS and ecosystem are very friendly, and the system stable. But Apple MacBook laptops are also very expensive, and the benefits really don’t justify the price. But for a few instances where Apple is ahead, such as video editing, PC is almost always the better, more cost effective option.

From signing up at Grand Rush casino to play a few slots, to using freeopen source word processors, PCs are extremely versatile. Rumours about PC instability are drastically exaggerated, assuming that the OS is kept sleek and maintained.

Accessories And Extras

All laptops come with a battery and charger, but there is likely more you’ll need. No matter how good a trackpad is, it won’t offer the same comfort and ease of use as a mouse. You’ll probably be wanting one, which isn’t too much of an issue. A standard, basic mouse costs next to nothing, and it will certainly get the job done.

You will also certainly want a laptop bag. Some laptops come with a bag, some don’t. There is a wide variety to choose from, most of which are very affordable. You may also want to look into getting a spare battery. That is, assuming that your model laptop offers a changeable battery. Some models these days don’t allow battery switching, which is something to keep in mind.


Which laptop you buy is a matter of preference. But be sure to keep in mind, most importantly, that the device will primarily be acting as a tool. Whatever you need to get done, it should provide the solution. Buy what you need, not what a salesperson is telling you is best. 

How Do You Pick the Right Arabic Makeup Course for You?

A professional decision usually requires careful consideration, followed by the right action during the early years. If you consider yourself to be a skilled makeup artist, the best thing you can do is enroll in an advanced makeup school that will provide you both academic and practical knowledge. Applying cosmetics and even prostheses to the human body is an art, much like painting on a canvas. There are several level like beginners, advanced and pro to study this technique.

There are various Arabic makeup course to learn and choose as a career, including Special Effects Makeup, Fashion, Theatrical, and Bridal Artistry. You can choose the level you wish to pursue based on your interests. Finding the best cosmetics school for you is the first step. It should provide professional and licensed beauty education through 1- to 2-year cosmetology programmes. These courses can lead to a cosmetology certificate, diploma, or associate’s degree.

Most well-liked makeup courses:

Certificate in the Art of Makeup: The majority of makeup courses are created to provide you with comprehensive learning from fundamental to advanced techniques. But at Orane International, we’ve divided up the courses into several levels so you can pick and choose what you want to learn. Theoretical ideas underlying the makeup technique can be explored by students throughout this introductory course, combined with practical application (along with using makeup tools).

Certificate in Wedding Makeup: After becoming proficient in the fundamentals, you can go to the next phase and learn the craft of bridal makeup. This course is something you should take if you want to work as a makeup artist because bridal makeup is one of the more lucrative specialties.

Diploma in Professional Make-Up: If you wish to advance professionally and try your hand in the media or TV industry, this course is the next step. In this course you can learn various eye makeup styles, application of eyelashes, Media Makeup Look for the Red Carpet, Imaginative/current bridal style and many more.

Diploma in Advanced Pro Makeup Artistry: The makeup course’s highest level is this one. After completing all previous stages, you can learn. You will learn how to create the Bollywood-styled faces in this lesson. You’ll demonstrate how to give them a whole new appearance or represent them as any new character. Here, you will receive training in makeup theory, base work, faultless base creation, face sculpting, makeup looks, metallic makeup, airbrush makeup, and a lot more.

John Sunday Ozioko of Baws Baws USA Inc. Outlines Why Female Empowerment Is So Critical in the Workplace

Throughout John Sunday Ozioko’s career, he’s seen the world change in numerous ways before his very eyes. This is especially true in the world of logistics, which has gone through something of a transformation over the last few years since the onset of the COVID-19 pandemic.

One positive shift that he’s personally witnessed has to do with an increased emphasis on female empowerment in the workplace. Gone are the days where women were considered to be “second class citizens” in the office. Their voices are being heard and, in the opinion of John S. Ozioko, that is very much a good thing.

Indeed, this type of female empowerment is a topic that he is incredibly passionate about. He believes that it brings with it a wide range of different benefits, all of which are worth a closer look.

Why Female Empowerment Matters

While it’s absolutely true that any successful business needs a passionate entrepreneur with a strong vision at the heart of it all, even the biggest brands in the world were not built by a single person. Truly, success demands an “all hands on deck” approach – everyone from organizational leadership to the most recent hire needs to be seen, heard and appreciated.

That is especially true when it comes to women in the workplace.

For John Ozioko, one of the major reasons why this is all so critical ultimately comes down to the type of gender bias that was regularly seen in just about every industry that you can think of. Gender bias doesn’t just hamper communication and collaboration – it ultimately harms both productivity and innovation as well.

But you can’t eliminate this gender bias without first empowering women in the workplace, which is a big part of why this is all so crucial.

In a larger sense, a lack of female empowerment tends to lead to women employees feeling unappreciated or even unsafe in the workplace. History has shown that this regularly leads to women leaving the workforce altogether, which leads to an uptick in unemployment sooner rathe than later. This in turn stagnates growth in the country’s economy, which is certainly not a good thing for anybody involved.

But for owner and CEO of Baws Baws USA Inc., John Sunday Ozioko, he places an emphasis on female empowerment today means creating a positive ripple effect that will last generations to come. Today’s empower female employees will be in a better position to empower and educate their own children, preparing them for the realities of the workforce they will one day enter. This in turn creates a situation where we don’t need to have these discussions at all at a certain point, which is likely the most important benefit of all.

In the end, the arc of progress is slow, yes – but it is also steady. That’s why empowering women today is something that has the potential to pay dividends for all of us for years and years to come. 

Benefits of using olive oil in cooking.


Not only is it rich in beneficial fatty acids and powerful antioxidants, but it is also a staple food for some of the healthiest populations in the world.

However, many people think that it is not suitable for cooking because of the amount of unsaturated fat in it. Others claim that it is a great choice for cooking – even for high heat methods such as frying.

Can Olive oil be used in cooking?

Cooking with olive oil is often misunderstood or over-talked about, although this ingredient is widely used in salads and pasta, and has been widely regarded as a healthy oil for years. Scale has been used. If you are looking for the benefits of using olive oil for cooking, read on to find out how you can properly incorporate it into your diet!

What are the benefits of using olive oil for cooking?

 As an important part of one of the main pillars of the Mediterranean diet, perhaps the healthiest food in the world, the definition of this liquid gold is useless.  Olive oil is healthier than other oils because it contains nutrients, which provide many health benefits.

Reduces oxidative stress

Olive oil, especially extra virgin olive oil, is rich in antioxidants such as beta-carotene, lutein, tocopherols and hydrophilic phenols, and contains over 200 ingredients with biological activity!  Antioxidants are known to prevent cellular damage from free radicals, substances produced by the body during processes such as metabolism.

Promotes heart health

Studies show that the polyphenols in olive oil protect against atherosclerosis and heart disease. Olive oil prevents excessive blood clotting and oxidation of LDL (bad) cholesterol, lowers blood pressure and improves blood vessel lining.

 Prevents inflammation

Chronic inflammation is a major driver of diseases such as heart disease, type 2 diabetes, obesity, arthritis, cancer, and more. The antioxidants in olive oil, mainly oleocanthal, act as anti-inflammatory drugs to reduce inflammation.

Improves brain and mental health.

Studies have shown that eating a diet rich in extra virgin olive oil has protective effects on the blood vessels in the brain, thus preventing or slowing the onset of Alzheimer’s disease.


It is important to understand that all cooking oils have a temperature at which they begin to smoke or break. This temperature is known as the smoke point.  When the oil is heated to the point of its smoke, the beneficial nutrients begin to deplete and potentially harmful compounds for health begin to form.  Because olive oil has a lower smoke point than vegetable oil, it is often advisable to avoid frying.

David Johnston’s Top 5 Features of Successful Life Science Fundraisers

As a long-term leader in the financial sector of the life science world, former CFO David Johnston recognizes just how close the life science industry is to every human being on Earth. The life sciences involve studying plants and animals and using the knowledge gained to create a better future. It requires substantial amounts of money to do so, though, which is why proper fundraising is such an important step for every emerging biotech company.

5 Qualities of a Successful Life Science Fundraiser 

As the former CFO of several life science companies, David Johnston agrees that private fundraising events and methods are essential to gaining necessary funds. However, you must fundraise well to gain all the funding you need. Here are five top fundraising aspects you should keep in mind to best propel your emerging enterprise forward.

1. First

Your fundraiser and the funding it supplies need to happen before anything else can. As David Johnston recognizes well, you can have as many great people and as much sound science as you want, but without money, your work will never get off the ground. You also need to make money the main focus of every fundraiser, so as not to confuse or dilute your need for funding.

2. Visible

You should also make your fundraisers visible. Present the exact amount of money you need openly and honestly. Explain exactly what the money is for and how each dollar will be spent. Invite the media and make it a noticeable event. Even if the fundraiser is simply a general request for funds, rather than a specific event, you should post it on social media, print up fliers, and tell everyone about it.

3. Connective

The life sciences often directly connect with people on a deeper, more personal level. Use that aspect to elevate your fundraising. As David Johnston recognizes, humans who feel connected to someone or something are more likely to want to help. Also, use your fundraising efforts to develop long-term, repeat investors, as well as one-time donors.

4. Enjoyable

If you can make the fundraiser fun in any way, do so. Requesting money can be uncomfortable, having creative, amusing, or pleasing ways to ask for it can help. Dinner parties, fun runs, and competitions are great ways to make your fundraiser more enjoyable.

5. Prospective

The life sciences are one of the more forward-thinking sciences, so good life science fundraisers should be, too. Show people exactly what their contributions will mean for their and their descendents’ futures.

David Johnston knows that gaining large quantities of money through fruitful fundraising is crucial to the success of every emerging biotech business. Use these fundraising tips to help make your life science fundraisers as prosperous as possible.

David Johnston Bio

David Johnston has been serving as a life science industry financial expert and leader for more than 30 years. He graduated with a bachelor’s degree from Washington and Lee University in Lexington, VA, and later received his MBA from the University of Michigan in Ann Arbor, MI. He has served as the CFO and financial guide for many non-profit and life science organizations and now lends his expertise as the principal of dbj Consulting LLC to help numerous emerging life science organizations.

Listed options vs CFDs in Australia

When it comes to investing, there are various options available to you. Two of the most popular investment choices are listed options and CFDs. But which one should you choose?

Listed options are a type of security that gives the holder the right, but not the obligation, to buy or sell an underlying asset at a set price on or before a specific date. CFDs, or Contracts for Difference, are derivatives that allow investors and traders to speculate on the price movements of assets without having to own them.

Pros and cons of listed options and CFDs

Both listed options and CFDs have their pros and cons. Let’s look at some of the key differences between them:


Listed options tend to be more expensive than CFDs, as there are costs associated with buying and selling them. These costs include brokerage fees and stamp duty. CFDs are typically less expensive to trade, as there are no broker fees or stamp duty payable.


Listed options are more liquid than CFDs, as they can be traded on an exchange. This means that they can be easily bought and sold at any time. CFDs are not as liquid as listed options, as they can only be traded over the counter. This means that they cannot be bought or sold at any time and may have restricted trading hours.


Listed options carry more risk than CFDs, as the holder has the potential to lose their entire investment if the underlying asset moves in the wrong direction. CFDs carry less risk than listed options, as the trader only loses money if the underlying asset’s price moves in the wrong direction.


Listed options are subject to capital gains tax, while CFDs are not.


Listed options are available on several exchanges, while CFDs are only available over the counter.

Risks associated with listed options and CFDs

These investment products have risks, which traders should be aware of before investing. With listed options, the most common risk is that the buyer will not exercise their right to buy or sell the asset. This can result in the option expiring worthless, which means the trader loses their investment.

CFDs also carry several risks, including counterparty risk and liquidity risk. 

Counterparty risk is the risk that the other party in the CFD trade will not meet their obligations, leading to a loss for the trader. Liquidity risk is the risk that there may not be enough buyers or sellers in the market to execute a CFD trade at the desired price.

Despite these risks, both listed options and CFDs can be profitable investments if traded correctly. Traders must do their research before investing in either of these products and understand the risks involved. Failure to do proper research could lead to substantial losses.

The risks of trading listed options and CFDs are numerous and should not be taken lightly. Before investing in either of these products, it is essential to understand the risks involved and trade cautiously. However, with a little bit of caution and research, these products can be profitable investments.

Final word

So, which investment option is right for you? It depends on your individual needs and preferences. If you’re looking for a low-cost way to trade assets, CFDs may be a better choice than listed options. If you’re interested in hedging or speculating on the price movements of an asset, listed options may be a better option. Traders must consider all of the pros and cons of each investment before deciding. Beginner traders are advised to use an experienced and reliable online broker from Saxo markets before starting their investment journey. Beginners can trade on a Saxo demo account and practise different trading strategies before investing real money.

How did Money Lending Start? All you Need to Know.

Loans and money lending have been a process for ages, that evaluates reasons for the borrowing of money by certain aspirants and lends them funds accordingly with rates of interest on repayment. Basically, knowing why, when, and how lending procedures began ranges back to the history of loans. And if you are here not just to learn the historical aspect of loans but also to look for someone good at money lending in Tanjong Pagar, you stumbled upon the right place. 

Let’s start by briefing key points that contributed to the development of loans. 

  • When and Where did Money-lending originate? 

Money lending eventuated in about 3000 BC in ancient Mesopotamia which was home to many different groups, including Sumerians, Babylonians, Assyrians, and Persians. 

  • When did it Emerge as a Regular Practice? 

To the west of Mesopotamia, lending was structured as a regular practice where the concept of interest was commonly accepted in ancient Greece. It was reasonable for a lender to risk his money to receive a profit in return in Greek times. 

  • Lending and Religion (500Ad-1500Ad)

Religions have proficiently emerged as condemners of the lending of money at interest rates, where the Qur’an and Bible renounce acquiring interests. The Torah however ensures interest. It allows Jewish people to lend at interest rates to non-Jewish people only. Early Islamic scriptures have censured interest rates as undeserved income known as ‘haram’. 

  • Lending and United States

The establishment of the Philadelphia Savings Fund Society in the 1800s in the United States emerged as the first banking facility that initiated the practice of lending. It was then that lending schemes became permanent in the American region. Although, it’s noteworthy that the first bank was established in America in 1791. 

Philadelphia Savings Fund Society was essentially a bank, although the term was avoided in the early times since the public was hesitant towards financial institutions at the time. 

  • Lending and Present Times

From the 1900 century to now, lending has evolved into forms of Credit Scores and Credit Cards. Initially, credit cards were issued by respective retailers for their customers, then Americans began their use in the 1920s. Credit Cards were universally accustomed and issued by Diner’s club which also charged the merchants 5-7% out of the gross billings. 

The history and evolution of loans and money lending has invigorated funding practices around the world since its birth and will continue to do so in the coming times.