When we first moved here, I was really angry with my parents for taking us so far from home. I was young and didn’t understand or care that they wanted to come here so that they could make a new life for us. Not long after moving here, I soon learned that I can meet other Desis in USA by going to a website where lots of other people who are originally from India hang out together. Most of them are in their teens and twenties, so I have the ability to meet lots of people my age. It has made me feel better about my situation, and many other people who are here from India have taught me that our parents have done what is best for us.

We lived in a tiny house when we lived back in in India. There were so many things on the house that were always falling apart. The landlord didn’t care about fixing anything, but he always made sure to show up on rent day to demand that my parents fork over the monthly rent. We had a water leak in the ceiling in our living room for about a year. Read More →

National Agricultural Technology Extension Center of Soil and Fertilizer Technology, Deputy Director of Miss Yang Fan told reporters that the fluorite ore dryer findings show that China’s main crop straw resources of 700 million tons, 93.39 million tons of green manure resources, waste years production of more than 100 tons of large-scale farms fecal total 780 million tons. Only straw, for example, 700 million tons of straw contains NPK equivalent to 2.76 million tons of nitrogen fertilizer, 144 tons of phosphate fertilizer, 400 tons of potash, respectively accounted for 12% of the 2008 China’s nitrogen, phosphorus, potash consumption of 18% and 73%, if put to good use, energy saving potential.

China’s commercial organic fertilizer raw materials mainly come from farm animal manure, According to statistics, in 3021, the 2008 total of commercial organic fertilizer, the total designed capacity of 47.42 million tons, the actual total production of 24.88 million tons. The person in charge of the Soil and Fertilizer Station of Jiangsu Province and Henan Province in an interview with reporters said that through the implementation of projects of commercial organic fertilizer subsidies, farmers understand the benefits of organic fertilizer, the effect is also recognized by the farmers, but more vegetables, fruit and other crops-effective application. They suggested that the increase financial subsidies to guide farmers in food crops on the application of commercial organic fertilizer, combined with the low carbon economy and environmental governance, increase the intensity to promote the application of commercial organic fertilizer.

Recently, some provinces in southwest China suffered its worst drought in Yunnan, Guizhou and other provinces have been affected area gradually expanded. Around is going all out to fight the drought, and strive to win a good summer grain harvest. China is a country of water scarcity, mu of water resources of approximately 1/2 of the world’s average per capita water resources is only the world average of 1/4, and the uneven distribution of China’s relatively low water availability. At present, the normal year water shortage of nearly 40 billion cubic meters, of which agricultural water shortage of about 30 billion cubic meters. Therefore, in order to cope with the increasingly serious water shortage situation, the establishment of water-saving society, the development of water-saving agriculture is imperative.

Agricultural livelihood security. Water-saving agriculture’s significance lies not only in how much water savings, more importantly, is a necessary step in the development of modern agriculture. Develop water-saving agriculture, pests and diseases can be a significant decline, reduce pesticide usage and crop pesticide residues, to increase agricultural production and quality. To this end, from the point of view of the development of modern agriculture, develop water-saving agriculture right time.

Cement plant : http://www.hxjqcrusher.com/Cement-mill.html
Vibratory feeder : http://www.hxjqcrusher.com/crusher/China-vibrating-feeder.html
Raymond mill : http://www.hxjq-crushers.com/3.htm
Hammer crusher : http://www.china-crusher.com/hammer-crusher1.html
Vibrating screen : http://www.hxjq-crushers.com

When I first heard that some friends were considering a party bus for Toronto, I thought that we were out of our league with one. It is not that I didn’t think we would enjoy it, because I knew we would. I just honestly did not think that we could afford it. While none of us are living pay to pay, we don’t earn super high incomes either. When one of them told me that they had already gotten a quote on the bus, I was waiting to hear what the damage would be.

I was pleasantly surprised though. I knew that there were going to be 20 of us going on this bus, and the cost split 20 ways was actually much lower than what I had been expecting. Read More →

If you don’t have any credit at all or you have bad credit, you should prepare for bad consequences. The lack of credit can make it hard for you to get a loan or credit card. Your credit score is based on several components and you should handle it responsibly so to build a good credit history.

Do you know what your credit score is made of? The credit bureaus use your credit history information to determine a 3-digit credit score that will represent your creditworthiness. The most common credit score is the FICO credit score that ranges from 300 to 850. The FICO credit score is based on the following factors:

  • Payment history – 35% of total credit score

  • Credit utilization – 30% of total credit score

  • Length of credit history – 15% of total credit score

  • New credit accounts – 10% of total credit score

  • Mix of credit accounts – 10% of total credit score

To have a FICO score, you should have at least one account that’s been open 6 months or longer, and at least one creditor who’d report your activity to the credit bureaus in the last 6 months. Be aware that though all 3 bureaus, Experian, Equifax, and TransUnion, maintain a file on you, the information in those files may not be the same. Not all creditors report all 3 bureaus. However, even if the FICO scores might not match, they should be close.

If you’re interested in how to start building credit, consider turning to a reputable business loan provider and high risk payment processor like First American Merchant. With FAM, you’ll get exceptional business funding opportunities, including a merchant cash advance, and start building good credit without any difficulty at all. Bad credit isn’t a problem for FAM.

To start building credit, you should:

  1. Use a Secured Credit Card

A secured credit card works like a traditional credit card. You must pay it off at the end of the month so that not to end up with interest payments.

  1. Become an Authorized User

You can try becoming an authorized user of your family member’s credit card. If your family member has good credit, you’ll establish good credit as an extension of his/her credit history.

  1. Apply for the Right Credit Card

When choosing a credit card for you, focus on the annual fee, interest rate, credit limit, billing cycle, rewards or cash back, and cash advance fee.

  1. Keep Your Credit Utilization Low

To maintain good credit, keep your balance low. Your balance-to-credit-limit ratio should be kept around 30% or less.

  1. Pay off Your Balance in Full

Making your payments on time and paying off your balance in full will help you avoid paying interest.

  1. Auto Pay Your Monthly Bills

Set up your monthly bills to be paid automatically each month through your credit card account. Log into your credit card account and enroll in auto pay from your checking account.

  1. Don’t Use Multiple Cards

Limit the number of credit cards. There is no need to have more than one account. Don’t complicate your finances by multiple cards, balances, and payment dates.

  1. Avoid Closing Any Unused Account

Using your credit card longer adds to your reputation. Avoid opening multiple cards and closing them in case you’re not using them. Just one account will be enough. Keep your unused account open.

Follow the above-mentioned tips to manage your credit card responsibly. This way, you’ll be able to improve your credit score and avoid unnecessary debt.

The post office recurring deposits is the financial service of the Indian post in which a citizen of India can save their money with a post office regarding small monthly instalment for the period of maximum 60 months that earn good rate of interest on the saving wealth.

Indian Post office department offers different financial services to the resident of India to save their money in the post office financial services department. There many benefits of saving the money with Post office recurring deposit post account such as:

Protection of the Capital: Investing the money in post office recurring deposit is fully protected and guaranteed by the government of India. The money saved is invested under the supervision of the Government of Indian that ensures the protection of your money and no market risk is associated with the savings of recurring deposits. You can calculate your recurring deposits in this link to invest today.

Protect the saving from inflation: Though post office recurring deposit does not guarantee the saving of the investment from the inflation at any rate, but still, it promises a fixed and assured return on the investment. In the situation when the inflation rate of the market is higher than the guaranteed rate of return by the post office, in that customer may have to face some consequences of higher inflation rate, but on the other hand when the inflation rate is lower than the predefined rate of interest on recurring deposit, the money saved with the post office is saved from being affected by the rate of inflation.

Guarantee of return: The post office recurring deposit account guarantees the return on saving at the rate of 7.40% annually which is to be re-addressed shortly in any situation.

Liquidity

Though the locking period for the amount saved n the post office recurring deposit is locked for the period of 60 months, but it can be withdrawn to meet the sudden demand for the money for their expenses, but account holder has to pay some fee and penalty to withdraw the money before maturity time.

Credit Rating: The post office recurring deposit account is a product of government, of India and has no private control and does not require any commercial credit score.

What documents are the required to open PORD?

Opening a post office recurring deposit account is very processed with some documents availability as given bellow.

Documents required

1. Account Opening Form: This is the first and the most basic document which is required to open a recurring account with the post office of India.

2. Passport size photograph: Account holder is required to hand over two passport size photographs to the account opening department.

3. Address and Identity proof of the account holder such as Adhaar card, Form sixty or driving License and many others.

Eligibility

Any person is eligible to open a post office recurring deposit account, who is the resident of Indian with legal proof. There are certain other eligibilities to open recurring deposit account in Indian post office.

1. Any single male or female who attained the age of adult

2. Two adult joint account. (The amount saved in the joint post office recurring account is to be paid to both or any of the survivor or them). A joint account can also be converted into the single account and single account can be converted into joint account.

3. A guardian on behalf of minor or person with unsound mind.

4. A minor has attained the age of 10 year in his or her own name can also open the recurring deposit account with Indian post office.