CPF Accrued Interest

Key Facts to Know About CPF Accrued Interest

In most cases, when most people talk about housing and CPF, they simply think of how they can use their CPF savings to purchase a home. However, when you are thinking of how to use your CPF savings to buy a home, it is advisable also to think of how you can use these savings to sell the house. Therefore, if you have decided to do any of the above activities, ensure that you have enough retirement savings that will enable you to sell your property quickly. The following therefore are just some of the critical facts you are required to know about cpf accrued interest.

Types of accounts

Various interest ratesIf you have ever heard of Basic Health Care Sum, Retirement Account and CPF Life, never be worried because these are the primary terms you are supposed to know anytime you think about CPF. These terms should never confuse you. Go back and conduct your research before you decide to choose the CPF. It is important to note that the only accounts you should pay attention to are the Medisave, Special and Ordinary account. This is an essential factor you are required to consider because each month you will be asked to contribute 20% of your net salary to your CPF and your company will contribute 17%.

Interest rates

If you are a beginner, it is advisable to understand that your CPF money earns a certain interest for you. That is why you will realize that your interest rate is always 1% higher for any first salary you get. Also, if the returns are risk-free, then this means that no transaction cost was incurred. This is a good idea you are required to check once you get your salary.

Use Medisave account

The best account with excellent ratesThere are three types of accounts you are required to have. The Medisave account is one of the crucial accounts you are recommended to use more especially when you are planning to buy an integrated shield plan. This account, therefore, is meant to help you deal with your hospitalization bill. Therefore, in case of any surgery process, you will be allowed to use your money from the Medisave account. Due to this reason, it is essential to use this type of an account to buy an integrated shield plan that will help you to cover the cost of your treatment. Lastly, before you make your last decision, make sure that you know about these facts.…

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How to Choose the Best Sofa Beds

There are many types of sofa sleepers depending on the comfort, sitting surface and the size. The configuration of the mattresses makes the difference. These sofas can be folded or opened to make a perfect bed that is comfortable. The types of sofas are ideal for families that have full guest rooms. They serve as a spare bed for visitors or friends who are visiting. The sleepers appear to be more supportive than the air mattresses. When you want to buy the sofa sleepers, you need to follow some steps so that you can make the right decision. The following tips will guide you to choose the best sofa beds for 2018.


iuytresdxfcgvhjYou need to have a budget that you can work on. A quality sofa sleeper is quite expensive to purchase unless you are buying one that is already sed. You need to buy a sofa sleeper that ranges within your budget. Find a sofa that can give you the comfort that you need and make sure the sofa does not disappoint you.


The quality of the material ranges with different prices. You need to pick the sofa sleeper that is made of a high-quality material that will not tear or wear easily. The material you select should last longer than you expect. On the other hand, the material should be waterproof and free from absorbing dirt. Remember the sofa is serving multiple uses. Therefore, you need to choose the best material that will give you the best service.

The open and close mechanism

When you choose a sofa bed, you need to check on the mechanism of opening and closing it. The process of lifting the sofa up and down should be smooth without sticking. The design of opening and closing the couch needs to have a lockdown bar to ensure that the parts are together when you shift the sofa. The sofa bed should be strong to avoid breaking when you open and close it.

Frame quality

poiuytrdfcvbnjklThe frames of the sofa bed are the key parts. You need to choose a sofa bed that has frames made of durable material. The material you pick should be free from absorbing moisture and stable to avoid cracking when you open or close the sofa. For the couch with movable parts, the frames need to be strong from wearing off. Also, pick the metal frames that have a modern design.…

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Advantages Of Robotic Pool Cleaners

It goes without mentioning that owning a swimming pool is excellent. As a matter of fact, most of the homeowners these days wish to own a swimming pool. On the flip side, maintaining a pool is not a walk in the park. It is actually one of the most daunting house chores. The good thing is that there are a plethora of pool cleaning machines available in the market. On the other hand, deciding which type of pool cleaner to buy might be confusing given the many options available. Of course, robotic cleaners is always worth the consideration when planning to invest in pool cleaners. The advantages of these types of cleaners are discussed below.

Advanced technology

Without a doubt, robotic pools cleaners have the most advanced technology when it comes to pool cleaners. As a matter of fact, no other pools cleaners come close to robotic pool cleaners in terms of technology. Its cleaning abilities are incomparable.


Many may not realize it, but robotic pools cleaners are environmentally friendly. The fact that it is eco-friendly is actually one of the leading advantages of this type of pool cleaner. Robotic pool cleaner does not produce any chemicals that might harm any living organism. On a different note, robotic pool cleaners are also notable for being energy efficient. It consumers lower voltage than its counterparts.


It could not be denied that a robotic pool cleaner has higher price tag if compared to its counterparts. Keep in mind though that this cleaning machine is more durable than other types of pool cleaners. That said, do mind that price of these cleaners. It is also apparent that using robotic cleaners is more convenient. On an average, top of the line, robotic pool cleaners will cost more or less $1000. Many retailers do offer discounted prices tough. This means that you can find one for as low as $600. Simply put that buying a robotic pool cleaner is a smart investment since robotic pools cleaners have long life spans. That said, it is safe to assume that purchasing a robotic pool cleaner is economical in the long run. Not to mention the money that will be saved from not hiring pool cleaning companies.


SWIMMING POOLAs what was mentioned above, robotic pool cleaners are convenient to use. You are assured to have an easy time using it as long as you follow what was indicated in the manual. The truth of the matter is that you only need to turn it on then dip it into the water. Unlike other pool cleaners that usually takes time to clean the pool thoroughly, it will take lesser time for the robotic pool cleaner to get the task done. These pool cleaners are easy to maintain too.…

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How To Locate A Genuine Crisis Response And Restoration Company

Whenever a crisis occurs, most of us have different ways of reacting to it. Some of us will run around completely perturbed while others will keep their cool and try to digest what just happened. Whichever the case, your reaction and response shouldn’t affect how you deal with the situation. For this reason, there are experts who are always there with the most timely solutions and First Response Restoration & Cleaning. The problem that most of us face is how to locate them and ensure that their services and intentions are genuine.



Years of experience

It is rather impossible and unthinkable to expect so much from a company that has been in existence for less than a year. The more the years of experience means a job well done for anyone who needs it. All the more reason to focus on the wealth of experience gathered over the years. Responding to a crisis such as floods is no joke and requires prompt services. For some reason, some of us would rather solve the problem on our own. The truth is that it works best when you find a reliable company to handle a serious crisis such as this one.

Genuine certification

Certification is meant to build your confidence especially in the fact that your home or property is in safe hands. It is also meant to regulate all attempts to make your space more habitable. When looking for a company that deals in crisis response, credible certification is just one of the many factors that should lead you towards the right path.
When the key players are involved in the whole exercise, you can rest assured that nothing could ever go wrong. The governing bodies are wired to work round the clock and ensure that all is well.

Quality services

What happens during a crisis response matters a great deal. For instance, so much damage happens that it is easy to get confused. For example, moulds and other irritating factors should be placed into consideration. On the bright side, companies such as First Response Restoration And Cleaning take their job very seriously. Satisfaction is one of their core responsibilities and would dare not settle for anything less. It is easy to tell quality services especially through the results shown and the reviews given by other clients.

Flexible prices

None of these services are free and would require special attention. Before calling on the experts, make sure that you do your research thoroughly on the prices offered. Flexible prices are just what you need in case your pocket can not stretch beyond its limits. It can’t be too hard to engage in research pertaining to this because every company has its own quotation.This will also help you come up with a way to settle your bills in case you find a reliable company to work with.

An array of services

It can be such a relief to find a company that offers services related to crisis response and restoration all under one roof. At least you won’t have to search far and wide for other services when you can just find what you need at the click of a button.…
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Stamped Concrete

How Stamped Concrete Can Be the Best Outdoor Flooring Option

Yard landscaping and outdoor flooring can be puzzling. Stones, bricks, wood deck boards, are all the options we can have. But then we need to think of the price, durability, and how the tiles blend in with the overall house design. A thick backyard garden needs defining a walkway, and clever stones arrangement that can separate the area of each unique plant. A patio needs a flooring deck that is of stones, wood boards, or granites.

But in this article, we are discussing the alternative to those common outdoor flooring materials, the stamped concrete. Here is where and how we can use it in the backyard.

Swimming pool deck

Swimming Pool Concrete DeckStamped concrete can be your best option for a pool deck. The other popular material for the same purpose is a wood boards deck. The problem is that if you get a poor quality wood material, your deck can be slippery and costly in maintenance. Stamped concrete, on the other hand, provides enough friction for everyone on the pool to walk safely because it is usually mixed an with an anti-skid agent.

Stamped concrete also gives a unique look to the swimming pool. The method is to create a base layer and add a coloring or texturing agent above it. As a result, stamped concrete can imitate the look of finished stones, bricks, cobblestones, or slates flooring. You can obtain more information from stamped concrete nh. The site has pictures of how a quality stamped concrete fits perfectly with a swimming pool and its surrounding environment.

Patio flooring

Flooring1Having a patio outside can be beneficial to your social place. You can invite friends or your special one to dine with you at your house. And there will be no risk of awkward formality as having the party inside the house. Keeping your guests in the backyard also maintains your privacy without reducing your hospitality.

And for a small budget, the patio should be compact in size but also attractive. And for a small patio, the definitive border of the space can be achieved with proper flooring. It must be different from the surrounding tone and comfortable enough for the people who step on it. Gappy stepping stones that leave dirt as the dominant surface is not attractive at all. Consider the female guests that might wear heels to your house. Besides, the gaps allow wild plants to grow and require you to weed them out. You will also have trouble with placing the table and chairs.

stoney sidewalk

Stamped concrete for patio flooring can resolve all of those problems. There will be no gaps in the cement, and it also prevents water to accumulate in the patio area. The texture customization also allows you to adjust the design deliberately. Stamped concrete also can function as a definitive bordering medium for your backyard.

Outdoor grill & BBQ space

Outdoor KitchenIf your backyard cannot afford an outdoor kitchen, sparing a small space for a griller can get you similar benefits. There is showmanship in cooking for your guests directly in front of them. It also provides you the chance to manage your manner in presenting your products. Having a backyard grill has personal advantages more than meet the eyes.

And for the flooring, stamped concrete is the wisest choice to have. It will be easy …

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Benefits of using real estate agents

Selling a house is not such an easy task as many people may think. It is a process with several procedures which need to be accomplished to ensure that the house is well sold at the best price. At times you can be very busy such that you will not have time for people who wish to view the house to do so. This will cause you to even take longer before you sell the house. To have your house sold very fast and without taking much of your time, it is advisable that you seek the services of real estate agents.The agents will have all the time to show the potential buyers the property, and this will lead to the quick sale of the property. There are many real estate agents, and they can be readily available in every estate. Listed here are some of the benefits of hiring a real estate agent.

Estate agents ensure quality sale

The real estate agents will make sure that your property is sold at the best price that you deserve. These fdfgshgshjexperts ensure the preparations of particulars for the house which are therefore made available to potential buyers and also to you. They engage most customers to ensure that they settle for the best client who will offer reasonable prices for your property. They will also help you in avoiding the customers who are not genuine or reliable.

Enhanced safety and saves time

Seeking services of real estate agents, you will save you a lot of time which you can use to perform other essential duties. This is because they do all the necessary duties related to the sale of the house. On the other hand, the agents will ensure the security of your house is enhanced since they will be only showing the property to prospecting buyers.

Very quick results

truyriieiReal estate agents have become popular and recommended because they are known to yield faster results. The agents will be able to sell your house in the shortest time possible because of the vast network of customers that they possess. This is due to the long experience that they have in the field of real estate.

Good marketing strategies

The real estate agents will incorporate the best marketing strategies to ensure that your house is sold at the right time. They will organize several meetings with potential clients and hence your property will be sold at the best price.


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Importance of Buying at Discount Filters

Discount filters is a company established to aid you in getting you water filters without having to through all the fuss. They understand how hard it may be for you to buy water, air and furnace filters for your home or business. For this reason, they are committed to doing this for you especially if you are a first-timer. The not only get the best products available in the market for you, but they also ensure that these get to you in the right quality and quantity. At discount filters, what matters most if the customer satisfaction and this is what they always aim at.

There are so many benefits that come with ordering through discount filters, some of this include:



Done at the click of a button

One of the best things about discount filters is that you need not leave your home to get that which you need. All you need is a laptop or even a phone to order. Everything you need is available online. They have a dedicated customer service force on standby to help you with any query that you may have. Other than their website, they have a Facebook page that you can visit to learn more about them. All you need to know about them is available online.


Secure shopping

One of the most worrying things about online shopping is the security involved. People are at times afraid that shopping online will expose them to crime and fraud. At discount filters, measures have been taken to ensure that the site is secure that there is no risk involved when making payments. There is a comprehensive array of technology implemented just to ensure that your credit card is secure.

One of the secure protocols implemented is the use of Secure sockets layer software, SSL. It is one of the most secure software in the word. What it does is it encrypts all the personal details you key in on the site including your credit card information in a way that it cannot be deciphered by anyone else apart from whom it is intended.




Just as the name suggests, at discount filters, you can get amazing deals that you never knew existed. If you are looking to buy quality filters while at the same time save a dollar or two, this is the place to visit. Another cool thing with discount filters is that it stores its customer information. For instance, they will keep all your records on all the filters you bout and the date of purchase such that they will remind you n future when it is time to change them. Again they will ensure that you get your products in the shortest time possible even when shipping is involved.

The above are just but a few benefits that you will enjoy when you buy your filters at discount filters. For more information, please visit their Discount Filters Facebook. Here you will get a chance to go through their catalog and see all the amazing discounts that they have.…

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Advantages of using pressure washers

Cleaning surfaces can be very daunting and overwhelming more in cases where you are cleaning large areas which have severe stains. For instance, if your house gets repaired ad you are having difficulties cleaning your concrete area then you should consider using a pressure washer to clean the area. You will get a good pressure washer by purchasing one of the most popular pressure washers for 2018. Pressure washers can be used in almost all cleaning chores because they are highly efficient. There are several benefits of using a pressure washer in your cleaning. In this article, we help you understand why you need to consider purchasing a washer when you want to make your cleaning easy and fun.

Cleaning of tough filth

Cleaning filth areas can be stressing because the areas never get to be clean and will consume a lot of time hvbbvcwhen cleaning. For instance, cleaning large oil stains in the garage can take a lot of time before the oil is cleaned up. However, with a pressure washer, you will be able to take the shortest time possible to remove the filth, and the surface recovered to its usual state. This usually is possible because the high-pressure washer comes out with high force which makes it easy for surfaces to be cleaned up.

Can be time-saving

At times we are so busy and engaged such that we even don’t want to do our cleaning because of the much time that is required for cleaning. However, with a pressure washer, you will be able to do your cleaning within the shortest time possible. Even in cases where you have a busy schedule, you will be able to fix your cleaning chores since they will not involve the use of a lot of time. Similarly, with a pressure washer, you will clean not only your house exterior but also the driveway in a very short time.


You want a clean house; then you need to clean it. In most times we decide to hire house cleaners from outside, but we end up using a lot of money paying them. However, at times the hose cleaners may not clean the house according to your expectations, and you will feel frustrated at the end of the day. To avoid all these hassles, you need to purchase a pressure washer which will help you clean the house in the best way possible, and you will feel satisfied having cleaned it on your own. Cleaning your house will help you know how to handle the property and will avoid damages and breakages that you will experience when you hire a cleaner.…

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Different types of plumbing services

Every household periodically requires plumbing services as it is impossible to prepare for all of the plumbing inconveniences. A plumber is said to be a person who repairs the pipes and fittings of other apparatus of water supply sanitation and heating systems. You may require a plumber to fix a leaky water heater, build a bathroom or construct a kitchen. The Plumber in WA will sort you out big when it comes to different types of plumbing services.

All these different situations require different plumbing services. It is human nature to expect everything to work perfectly as planned but that is not always the case. Plumbing issues can be disastrous and costly if not well taken care of. All in all, after some time things go amiss. The different types of plumbing services include:

Residential plumbing services

residential plumbing services

It involves plumbing tasks that have to be dealt with in residences. If you have a new home under construction, then the residential plumbers are essential as they are trained with skills in installing plumbing materials in homes. They deal with problems like weak pressure in taps, faulty sewer lines, blockage of drains(minor or major) and bursting or cracking of pipes.

As they are mostly involved with new homes constructions, residential plumbers can: set up water heaters, showers and take care of water distribution from boilers and tanks to residential homes.  The residential plumbers also regularly offer maintenance and emergency to their clients.

Leak detection services

If you happen to get monthly very high water metre readings, then you might require services of a plumber that detects leaks. The leak detection plumbers inspect water leakages using acoustic leak detectors. To get access to the leaking pipes, they may be forced to drill holes and thus the service may take some time.

Commercial plumbing services

Commercial plumbers are skilled with the abilities to work on large plumbing systems like public schools and hospitals, market centre and industrial plumbing equipment. The commercial plumbers: remove a blockage in drainage networks which may be caused by rotating trees or growth of mould and fungi in the drainage pipes.

They use large equipment and tools for a variety of job specifications. With the technological advancements, commercial plumbers now use rooters and blockage clearing equipment having cameras attached for a better view.

Emergency plumbing services

emergency services

These services require an immediate response.The problems may be a toilet/bathroom plumbing, water heater leaks and broken water pipes. Those who offer such kind of plumbing services can also be used for preventive water problems services. As it is seen, the different kinds of plumbing problems have to be tackled with the necessary plumbers with skills and expertise in regards to the issue.


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Servicing your air conditioner

Working or relaxing in hot conditions can be hectic for many. There is some discomfort that comes with that type of atmospheric condition. People have devised their own ways of keeping cool whenever they experience such levels of temperature. The use of Chinese foldable fans is one common but tiresome method of keeping cool. One uses a lot of and energy propelling it sideways. Innovators also have improvised blade propeller fans which work by the use of electricity to keep the air cool. They come in different types and sizes which are used on different room sizes. Another method which has been adopted by many lately is the use of air conditioners.


This is a machine which helps cool air mostly in enclosed places. It is also designed to maintain the humidity of an indoor environment. They help bring comfort which provides a great working or relaxing environment for human beings. Fresh air produced via air conditioning also guarantees one a suitable relaxing environment good for their health. Air conditioners are mostly installed in residential homes, cars and high profile offices. Maintaining your air conditioner is important. Air Conditioning Repair Service will ensure your machine or system serves longer than expected with fewer problems. You should focus on the following in the maintenance of your machine for long and effective service.



Clean your filters on a regular basis to prevent your cooling machine from damages. Replacing them regularly is one of the methods of doing away with clogged filters. Cleaning them is also another way of keeping your filters in the right condition. It is also a cheap method because it helps you save the money you could use on buying new filters. Get to know where the filters are located so that you can access them quickly during the process.


Hiring experts

Some maintenance tasks may be hard for you to undertake. You should seek the services of a professional who is conversant with the repair of air conditioners. Experts understand every detail about these machines and will give it the right approach. This reduces the chances of you damaging it further trying to repair it. Professionals also have the right servicing tools for your conditioning machine.



These machines have coils which play an important role in the cooling and regulation of humidity. Damaged coils mean they are no longer able to function. The curls tend to accumulate dust as time goes by and this may lead to its damage. You should check on them regularly to minimize its chances of malfunctioning. Clean it on a regular basis to do away with the gathered up dust.…

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Roof replacement tips

Just like with the other home renovation projects, roof replacement is a process which cost a lot of money. A “roof over” is another good idea for renovating your roof. This will involve putting a new layer of shingles over the old shingles. However, this can lead to other problems in the future. The tips discussed below will help you in making the right decision when you are replacing your roof.

Determining the size of the roof

A roofing contractor will help you in measuring the size of your roof. The measurement obtained will be used in getting an estimate of the cost required. The cost is calculated based on the square meters or footage.


Consider the shingles

Apart from removing the old shingles, repairing the underlying wood is also important. All the repair issues that have been assigned to the contractor should be addressed until you are completely satisfied. The idea of putting new shingles over the old ones should be discouraged as this might ruin the life of your roof by making it shorter.

Regular inspections

Any roof that is functioning properly is considered to be safe. You should make sure that your roof is inspected on a regular basis.

Installation contractor

Hiring a licensed or bounded contractor is a good idea. The hired contractor should also be insured. The contractor should provide you with material or labour warranty. He or she should also follow local or regional regulations and get the permit.


This is another important factor that makes the roof last longer. It is therefore important for you to ensure that your roof is properly ventilated. Proper ventilation will help you in controlling the temperature of your house during summer. In addition to this, proper ventilation is helpful in preventing moisture in winter.


Wind resistance

Whenever you are evaluating the roofing quality, installation, and material, it is paramount to take into consideration of the warranty and performance of the different products in strong winds. This will guide you in choosing the best material especially if you come from those regions that experience hurricanes, tornadoes and other weather patterns.

After sale service

This is another important part when it comes to roof replacement projects. Your contractor should offer you a warranty. This warranty should include labour and other parts or products. This means that it is important to ask all the relevant questions that are related to the offered warranty before you hire a contractor.…

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International Permaculture Conference & Convergence

IPC9 to be held in Africa in 2009

Planning is underway for the next International Permaculture Conference and Convergence, IPC 9, which will be in Africa in July, 2009. The Director of IPC 9 is Mugove Walter Nyika of the Regional Schools and Colleges Permaculture (RESCOPE) Programme, in Malawi.

The proposed theme for IPC 9 is “Designing solutions for a sustainable future”. Subthemes are: “Permaculture as a Regional Planning Tool for Sustainable Livelihoods and Earth Care, Food Security and Sovereignty through Organic Production and Marketing, Education, Green Economics and Lifestyles, Health and Nutrition, HIV/AIDS, Housing and Sustainable Cities, and Disaster Management.”

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IPC9 Director Interviewed on Sustainable World Radio

Sustainable World Radio, Jan 25, 2008
9th International Permaculture Conference & Convergence (IPC9)
Interview with Mugove Walter Nyika, Director of IPC9

spiral_bullet.gif Interview of Mugove Walter Nyika and Wes Roe (AUDIO) [ click here ]

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IPC8 DVDs Now Available

Updated Jan. 20, 2008

Professional video recordings of the 8th International Permaculture Conference, May 16-18, 2007, in São Paulo, Brazil, are now available. CLICK HERE .

IPC9 International Support Group

Please read this for information about the new listserv for the IPC9 Permaculture Conference and Convergence International Support Group.
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IPC8 Audio and Photos Available

Conference audio recordings are now available here. New photos of the Conference, plus Convergence, Design Course, and Site Tour are posted here .
Official IPC8 Report

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