November 24

Most Comfortable Sandals

We generally keep our fashion over comfort when it comes to buying a pair of sandals. The ultimate outcome of our choice is, pain in the feet and tremendous discomfort caused due to bad quality soles used in those cheap and fancy sandals. This is more observed among women than in men. Some of the best sandals are crafted from pure quality of leather and the cushiony soles provide intense comfort to your feet while walking.

Moreover, when you buy a pair for yourself, always look for a size that will secure the back of your toe perfectly into it. Make sure that the sandal doesn’t come out of your feet while you are in motion. Avoid wearing heels when you are using it for regular use. No matter what the shape of your sandal is, ensure that you feel absolutely comfortable after wearing it.

Most Comfortable Sandals for Men

Donald J Pliner Sandals
It’s one of those vintage brands that manufactures stylish and classy men’s sandals. They are exquisite and come in variety of shapes and designs. Donald J Pliner Dasha is a slip on style having a leather lining and cushion foot bed. The rubber outsole provides wonderful support, and the overall design is gorgeous. Also check out Donald J Pliner Men’s Ditza Thong Sandal, Donald J Pliner Dotan, Donald J Pliner Dex Toe Ring Sandals and Donald J Pliner Men’s Manzo Leather Slide Sandals. The versatile designs offered by this brand are much-loved by the male folks.

New York Men’s Palm Beach
The jet black leather sandal is utterly comfortable. It offers a beach like style and the easygoing fit is extremely conducive for travel purposes. The fine quality of leather allows your feet to breathe. To Boot New York Men’s Palm Beach Sandal is actually made in Italy. It’s also a slip on variety and you need not take any pain of tying the laces. Also look for To Boot New York Men’s Oahu Thong Sandal. The dark brown color of this sandal look sophisticated on men. You can avail them on any leading shopping portal.

Other Brands of Sandals

  • Crocs Athens for Men
  • Calvin Klein Men’s Ronny Sandal
  • Reef Sandals Leather Smoothy
  • Keen Sandals for Men
  • Cole Haan Air Tread Slide
  • OluKai Mea Ola Sandal
  • Chaco Cordonazo for Men
  • Josef Seibel Men’s Sandal
  • ECCO Men’s Sandal
  • Tommy Bahama Cabo for Men

Most Comfortable Sandals for Women

Finn Comfort Catalina
The designs offered by this brand are absolutely elegant. Your foot pad is soft and cushiony, making you feel cozy while walking. The shock proof leather sole provides support to your arch, while the cork fitted in the insole keeps it resilient. You can wear this slipper on any season without worrying about damage. The lining of the sandal is made up of moisture absorbent suede and the high quality material prevents formation of calluses on your feet. The black straps over the light brown colored sole looks beautiful.

Coconuts Naples Sandals
If you are looking for colorful and fancy sandals that are comfortable at the same time, then go for Coconuts Naples. The vibrant and colorful thongs make them more appealing and you can keep matching pairs for yourself. You can adjust the flexibility of the straps with the help of the adjustable buckles. The ruched leather on the insole looks classy, while the rubber outsole is meant for comfort. The popular colors include white, fuchsia, black and turquoise.

Other Brands of Sandals

  • Keen Naples Sandals
  • Think! Julia for Women
  • Ecco Sensata Ankle Strap Sandal
  • Women’s Merrell Agave in Brown
  • Mephisto Afida Sandals
  • Birkenstock for Women
  • Nato Footwear Cymbal
  • Mephisto Helen for Women
  • Fossil Maddox Wedge Thong
  • Clarks Black Calfskin for Women

You can look for these brands in any of those leading shopping websites. The products can also be purchased from the company’s website. Opt for orthopedic soles if you suffer from regular foot pain. Your investment will be worth only when the sandals have offered you the much-needed comfort to your feet.

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November 24

Sandals with Arch Support

Comfortable sandals not only give you freedom from aching legs, but they are beneficial in many ways. Sandals are amongst the highly chosen footwear due to their comfort features and versatile design. You can find a suitable pair of sandals for any sort of attire. The low-heeled pieces or completely flat sandals are both a fave of many working women due to the day long comfort they offer, especially when a job includes standing on feet and running from place to place. But it is essential that you pick the right piece from the lot. You might often shop for cheap sandals that are available in catchy designs. Remember, inappropriately designed footwear can simply hurt your legs, lead to joint pain and various other foot problems. Sandals with arch support that are amongst specially designed orthopedic footwear are best ones for your foot. Here’s all about arch support sandals.

Why Opt for Arch Support Sandals?

Arch support is basically a physical support for the arches of your feet. Though you can buy arch support insets that can be placed in regular shoes, opting for footwear specially designed with in-built arch support is a smart idea. Orthopedics recommend such arch support sandals for those individuals having a higher arch or flat feet problem. These are good to be used even if you are not having any foot problem. High arch or low arch can often lead to stressed joints, which can be avoided by using footwear having arch support. Today there are various fashionable orthopedic shoes available in the market. Arch support sandals are always better as compared to those ill fitting sandals which can lead to leg injury. Women’s and men’s sandals with arch support are lightweight and help your foot muscles stay relaxed. Apart from the basic structure of arch support footwear, their foot bed and outer sole also makes a huge difference in the comfortable feeling while you put them on. Regular sandals are not really designed considering extreme foot comfort and often lack features like soft foot bed, heel contour, good outer sole, etc. Let’s move on to know about the top picks in arch support sandals.

Top Picks in the Category

If you are shopping for a pair of orthopedic footwear, you will come across various brands. Moszkito has a good range of arch support footwear for men and women which you must checkout. Also, browse through the latest line of arch support flip flops and sandals from Dr. Weil. Stylish, comfy and elegant are the words that rightly define footwear from this brand. The cool styles from Birkenstock can’t be missed out while you are searching for arch support footwear with other orthopedic features like heel cup and perfectly designed foot bed. Orthaheel is another brand which is well-known for its range of orthopedic sandals. The ultra cool orthopedic flip flops from this brand are a big hit amongst the youngsters. Chaco is a famous brand in this category which offers durable and attractive arch support sandals for men and women for adventure trip, beach walk and casual outfits.

Best Styles to Buy

When you go shopping for orthopedic footwear, you are sure to find a huge variety in terms of design, material and colors. While the foot bed and outer sole of arch support sandals remains simple, you can see most of the styling element in the straps of such pieces. Purchasing a sandal that has adjustable straps is a smart idea. Adjustable straps will help you get that right fitting and hence, allow you to walk comfortably. Moreover, these also ensure that your feet do not slip forward while walking. Trendy buckles, studs and other embellishments are popularly seen in women’s orthopedic sandals. Choose one from many colors and different designs. For a casual look, go for bold and flashy colors and pick elegant navy blue, off-white or black pieces for a formal look. Men can opt for brown or blacks that go well with most of the outfits. Straps with polka dots and floral prints make cute ladies footwear for casual outfits. You can opt for slip in sandals or those having elastic or buckle straps around the ankle. Buying a piece from well-known brand is a must as these will only offer you genuine features of orthopedic footwear.

Well, you can consult an orthopedic doctor before wearing an arch support sandal in case you are suffering from any foot problem. Doctor’s prescription will also help you know the perfect dimensions of arch support for your feet. Wear them, feel comfortable and walk in style!

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November 24

Side Effects of Metronidazole in Dogs

Be very careful while giving medication to your pet. If you happen to miss a dose, you can give it later. However, if it is close to the time of the next dose, you will need to skip it, and administer the next dose on time. Never, ever give your pet double the dose to compensate the missed one.Metronidazole is an antibiotic that treats a variety of ailments, including inflammatory bowel disease, certain diarrheal disorders, Giardia infections, and periodontal disease. This medication is an antibiotic and antiprotozoal, and requires a prescription from the veterinarian. Metronidazole is sold in the tablet form.

Metronidazole is particularly potent against anaerobic infections, which are caused by bacteria that can live without oxygen. It possesses anti-inflammatory properties, and has proven useful in combating diarrhea brought upon by several diseases.

Possible Side Effects of Metronidazole
Antibiotic medications can, at times, cause diarrhea. This may or may not be the sign of a new infection. If your pet is suffering from diarrhea that is watery or has blood in it, you must consult the vet immediately. Do not administer any medication on your own to stop diarrhea before speaking to the veterinarian.

Certain dogs may be allergic to metronidazole, and may display some tell-tale signs. You need to seek emergency attention if your dog displays any of the following symptoms:

  • Hives
  • Breathlessness
  • Swelling of the face, tongue, or throat
  • Vomiting
  • Seizures
  • Fever, accompanied by chills
  • Sores inside the mouth, on the tongue, or lips
  • Blood in the urine/dark urine
  • Watery or bloody diarrhea

Some dogs may display less-alarming symptoms like:

  • Nausea
  • Loss of balance
  • Dry mouth
  • Cough and sneezing

Besides, if you observe any other signs of distress in your dog, ensure that you report it to the vet immediately.

Drugs That Affect Metronidazole
You must inform your vet if your dog is already taking any of the medicines listed below. These may have an adverse effect on metronidazole.

  • Cimetidine
  • Sedatives
  • Anticoagulants
  • Phenytoin
  • Phenobarbital

There may be other medicines besides these which affect the function of metronidazole. Therefore, it is recommended that you inform your vet about any medication your dog may be consuming currently. This includes vitamins, minerals, herbal products, and any other drugs prescribed by other vets.

Limitations of Metronidazole
Remember that this drug cannot be given to your dog if she is pregnant or lactating, or even if you plan to breed her in the near future. Inform your vet if your dog is currently suffering or has had a history of kidney or liver disease. This drug is not suitable for puppies.

Always exercise utmost caution while giving any kind of medication to your dog. Do not hesitate to consult the vet if you spot the slightest discomfort in your dog―early detection of distress goes a long way in preserving the health of your beloved pet.

Disclaimer: This Buzzle article is for informative purposes only and should not be used as a replacement for the advice of a veterinarian.

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November 24

SAS Shoes Outlet Stores

SAS shoes are all about comfort. These shoes are handcrafted, and if you go to their site you can watch the whole process of how the shoes have been made. If you are looking for a comfortable pair of shoes, which looks decent and is very durable then SAS shoes is what you want… These shoes are ideal for people who are on their feet all day long. These shoes are also great for people who have any feet problems. You must have heard about these shoes from a person who has used them, and now you want to try these shoes too, and see what is so special about these shoes. Or you must have already used SAS shoes, and want a new pair now, but must be having trouble finding the outlet stores.

SAS doesn’t sell shoes on the Internet, but there are certain shopping sites which have these shoes in their collection. However, you can check the SAS shoes online catalog, to select a product from their men’s and women’s shoes. There are many sleek designs of women’s shoes with many colors available. Also there is a range of women’s sandals. There is also a good range of men’s shoes, and a pair of men’s sandals available.

San Antonio Shoes Store
If you are staying in or anywhere nearby San Antonio, then it will be easy for you to get a pair of SAS shoes. This is the best place for buying such shoes, as this is where the factory is located. There is an outlet store right near the factory, so you can look for various pairs and handbags and buy many items.

Buy Shoes Online
It is quite impossible to buy or find SAS shoes online. Even though you find opportunity of buying SAS shoes online, you won’t be able to try the pair and hence won’t be able to compare it with other pair of shoes. To get a view of all the products of shoes which are available online, check the SAS shoes catalog which is available on the SAS website.

Few shopping websites have a limited collection of these shoes. So, go to these shopping sites to see what styles of SAS shoes they have available.

Other Outlets of SAS
SAS shoes might not be available in every big shoe outlet, but you can still find a pair of shoes outlet in some shoes store. Here is a list of some of the stores. If you wish to know the complete list of SAS shoes store, then go to Outletbound site to check out for more listings.

  • Waterloo Premium Outlets, NY
  • Prime Outlets at Naples, FL
  • The Outlets at Castle Rock, CO
  • Gilroy Premium Outlets, CA
  • Outlets at Hillsboro, TX
  • Las Vegas Outlet Center, Las Vegas, NV
  • Prime Outlets at Jeffersonville, OH
  • Preferred Outlets at Warrenton, Missouri, Warrenton, MO
  • Preferred Outlets at Medford, Minnesota
  • Prime Outlets at Huntley
  • Preferred Outlets at Lake Park, Georgia
  • Tanger Outlet Center, TX
  • Tanger Outlet Center, SC
  • Prime Outlets at Grove City, PA
  • Tanger Outlet Center, PA
  • North Georgia Premium Outlets, Dawsonville, GA
  • Tanger Outlet Centers I & II, Commerce, GA
  • Prime Outlets at Florida City, Florida City, FL

SAS shoe prices are quite high compared to average shoes. There are many similar manufacturers of shoes which make comfortable shoes at competitive prices. So, if you are on a budget you can consider other affordable shoe brands too. But, people who own a pair of SAS shoes swear by their comfort. Hence, it will be a good idea to visit a shoe store or SAS outlet to try out these shoes. This way you can check what is special about these shoes, and can buy a pair which is suitable for your lifestyle. You might be able to find SAS shoe coupons, which you can use for getting a discount on the second purchase. So, visit any of the above mentioned outlet stores and buy a pair, to know the comfort of wearing a SAS pair.

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November 24

Benefits of Skateboarding

Did You Know?

Skateboarding was invented in California. It was born as a way to pass time when the waves were too weak or too rough for surfing, hence surfers invented a skateboard with wheels.
With more than 100 million active skaters, skateboarding is gradually becoming one of the most popular hobbies shared by people around the globe. Contrary to what most parents think, apart from funky clothes, shoes, attitude, and gravity-defying tricks, skateboarding does offer some amazing benefits for the mind and body. The best part about this sport is the convenience of practicing it anywhere; it can be performed indoors or outdoors, and in large spaces or small confined areas.

Skateboarding as a sport has always been associated with the rebellious nature of today’s generation. As a sport or activity it definitely isn’t the safest, however, it isn’t as bad as most elders think it is. Sure, it has its risks, but then there is a certain amount of risk in every sport. In spite of all the associated dangers, skateboarding sure does wonders for the body and mind in the long run.

Skateboarding Benefits
Enhances CoordinationThis is one of the most useful benefits associated with skateboarding. Great coordination is a must to be successful in any sport, and regular practice of skateboarding not only benefits the hands and legs, but also improves decision-making skills that comes handy even in other areas of life.

Increases MetabolismThe body needs a regular workout for healthy metabolism, and tedious exercises like skateboarding are probably the best workout it can get. It surely is a new kind of exercise, and works on a variety of muscles. In addition to the regular usage of hands and legs, a skateboarder displays various positions with every trick or stunt, thus exercising several muscles of the body.

An Inexpensive SportAnother great thing about skating is that it suits every pocket. Skateboards start as low as $24, can be found in toy stores, and are ideal for beginners. Second-hand skateboards can also be bought online at a much cheaper rate. A good quality board can easily last almost 5 to 6 years. Of course, the only additional expenses is of the safety gear.

Creative FreedomUnlike other sports, skateboarding is an individual’s play and provides total freedom to the participant to do his/her thing. Sure, there are team sports that sometimes do give importance to individual performances, but that can’t be compared to adventure sports like skateboarding. Skateboarding is a one-person game, and it is only the skateboarder who is responsible of how successful he/she can become. Skateboarders have to rely on their own set of skills to succeed, and this mentality can surely help them become more confident and trust their instincts first.

Removes Fear of PainLike every other sport, even skateboarding has its share of dangers, but they can be minimized by wearing safety gear. Beginners are likely to have a fear of getting themselves hurt, but that fear eventually goes away with regular practice. Usually it is the knees, elbows, shins, wrists, and palms that get mostly injured, but these injuries also help skateboarders become more tolerant towards the pain. Eventually, they learn to ignore the pain, and continue to practice like it never happened.

Inculcates BraveryThis is another amazing skateboarding benefit that not many sports offer. The biggest fear while skateboarding is losing control while doing a stunt. Hence every stunt requires countless hours of practice so that the skateboarder can perform even the most complex stunts with a clear and focused mind. This ability of not giving up, and having a calm and focused mind can prove extremely beneficial in real life emergencies.

Improves BalanceAnother great advantage that skateboarders develop is having a good sense of balance. The art of skateboarding is built on balance, but not everyone is born with it. Hence, till they get it right, skateboarders practice. Regular practice eventually improves balance as the core muscles become stronger from the various positions and exercises they normally don’t get from everyday activities.

So there you go, skateboarding is not just jumping on the board and rolling with wheels. Sure, the sport is a bit extreme, but it also helps condition an individual’s personality.

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November 24

Glossary of Banking Terms and Definitions

You may have come across the terms, like amortization, basis point, hedge, payee, etc. While some of them may be simple enough to understand, a majority of them are complicated and make you run for cover when you walk into the bank for transaction purposes. Understanding all the terminology and remembering all the jargon can be a fairly daunting task. In the paragraphs below, you will find an elaborate glossary of banking terms, in the alphabetical order. The terms are explained in a simple and concise manner and you may be able to understand them better.

Banking Terms Index

| A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | Q | R | S | T | U | V | W | X |Y | Z |

Banking Terms that Begin With A

Banking Terms Banking Definitions
AAA AAA is a term or a grade that is used to rate a particular bond. It is the highest rated bond that gives maximum returns at the time of maturity. Usually, the grade AAA is given to the best debt obligation or a security, by a credit rating agency.
ABA Transit Number The ABA transit number is assigned by the American Bankers Association. It is a numeric coding that indicates and facilitates the amount of check payments, balances, and dues that are to be cleared among different banks at the clearing house.
ABO ABO is an abbreviation for the term ‘Accumulated Benefit Obligation’. It is basically the measure of the liability of the pension plan of an organization and is calculated when the pension plan is to be terminated.
Absorption Absorption is a term related to real estate, banking, and finance fields. The word ‘absorption’ means the process of renting a real estate property that is newly built or is recently renovated.
Absorption Time The term ‘absorption time’ is used to define the time period that is required to complete the process of absorption.
Abstract of title The ‘abstract of title’ is a written report that defines, records, and identifies the history and ownerships of a particular asset, usually a real estate.
Acceleration Acceleration is the process, where the lender demands a full and final payment of the debt or loan, before the allotted time period for repayment. A clause in the document of the debt usually empowers the lender to accelerate the time period.
Acceleration Clause A clause in the debt document that empowers the lender to accelerate the payment, (i.e. or that is) the lender can demand the full amount of loan before the date of maturity.
Accelerated Depreciation A method of depreciation of fixed assets, where the early deductions are greater in monetary terms and later ones are smaller.
Acceptance Acceptance, which is also known as the banker’s acceptance, is a signed instrument of acknowledgment that indicates the approval and acceptance of all terms and conditions of any agreement on behalf of the banker. It is a very wide term that is used in context with financial agreements and contracts.
Accepting House An accepting house is a banking or finance organization that specializes in the service of acceptance and guarantee of bills of exchange. This organization specializes in two prominent functions, that is facilitating the different negotiable instruments and merchant banking.
Accepting Party The party (either an individual or a group of individuals or organizations) that accepts the terms and conditions of a proposed agreement or contract put forth by another party.
Account An account is a record of all financial transactions that are related to an asset, individual, transaction, or any organization. It is a major term in the field of accountancy and is conventionally denoted by A/c. It can also be defined as a transaction between a buyer and a seller about payments and dues, which develop creditor-debtor relations.
Account Aggregation An online facility that is made available by some banks or financial organizations, in which all the transactions related to the bank account, credit facilities, debts, and investments can be handled and operated with the help of a single interface or account. Account aggregation is a form of internet banking, provided for ease of transaction.
Account Balance The total amount of money in a particular bank account, along with the debit and credit amounts, the net amount is also termed as the account balance.
Account Reconciliation Account reconciliation is a process with the help of which the account balance can be easily verified. Account reconciliation is usually done at the end of a week, month, financial year or at the end of any financial period. It is usually done with the help of receipts, ATM notes, bank statements etc.

Reference: To know more on account reconciliation read: Steps to Account Reconciliation and Purpose of Bank Reconciliation Process

Account Statement A financial record that indicates the transaction and its effect on an account (usually bank account), in terms of debit and credit. Sometimes, an account statement also carries some precise details, like the date of transaction, code of transaction, mode of transaction, sales, purchases, etc.
Account Value An account value is the total value of any account, applicable when a person has many accounts and transactions in the same bank or financial institution. The account value is a total value that is expressed in monetary terms.
Acknowledge Indicates the acceptance of a document, agreement, proposal or a negotiable instrument by authenticating it with the help of a seal or a signature. Acknowledgment signifies that the terms and conditions of the contract have been accepted and the agreement authenticated.
Accessions The new physical goods that are physically united to older goods, in the manner where identity, of both the goods remains the same, are known as accessions. For example, a new upgrade or addition on an already existing piece of machinery.
Accommodation Maker A person who signs the note of application and renders his credit history during the process of application of a loan is called accommodation maker. The accommodation maker usually receives no direct financial benefit from the loan. The term is also used in the concept of ‘accommodation bills’, when two or more people help each other by rendering liquidity of a negotiable instrument.
Account Analysis The term ‘account analysis’ is used in basically two contexts. First, it is used to define the study and conclusion of a single account. Second, it is also a procedure, where the profitability of a single demand account or many demand accounts is projected and analyzed.
Account Control Agreement An account control agreement is an agreement that perfects the interests of the creditor in a securities account.
Account Debtor An account debtor is a person or an organization that is in debt and is obliged to pay either on an account or chattel paper or contract right. Account debtors are, sometimes, simply referred to as debtors.
Account Reconciliation Services Account reconciliation services are basically services that specialize in the compilation of reconciliation documents and statements. Reconciliation services cater to the demands of individuals and huge organizations that have a large number of transactions taking place everyday.
Accounts Payable Accounts payable is a list of liabilities of an organization or an individual that are due but not paid to creditors. Account payable, in some cases, also appears as a current liability in the balance sheet. One must note that loans and liabilities to the bank, which have not maturated, are not a part of account payable.
Accretion Accretion, is a process, where increments and periodic increases are made in the book value or the balance sheet value of an asset. In the field of banking and finance, accretion is the process where the price of a bond that has been bought at a discount is changed to the par value of the bond. It is also defined as a change in the price of a bond that has been bought at a discount to the par value of the bond.
Accretion Bond An accretion bond is basically a bond that has been purchased at a discount and whose book value is incremented to the par value or the face value.
Accreting Swap Accreting swap is a swap of interest, which has an increasing notional amount.
Accrual Basis Accrual is the process of accumulation of interest or money. Accrual basis, which is also known as accrual convention, is the method by which, investors, economists, and businessmen count the number of days in a month or a year(s). Of the most common examples of accrual basis is the 30/360 convention, wherein the accrual basis is calculated by assuming that every month has 30 days. Accrual basis is often used as the common parameter for the calculation of interests and returns.
Accrual Bond An accrual bond is also known as range bond. An accrual bond is a bond that has a tendency to pay the investors, an above the market rate. Sometimes, an accrual rate is also defined as a security that does not have a period payment for the rate of interest. The interest is accrued and then added later on at the time of maturity.
Accrual Convention It is the method of calculating the time period on a specific investment by the investors. Accrual convention is at times calculated with the help of different interest calculation mechanisms. Accrual convention is also known as accrual basis.
Accrued Interest Accrued Interest is the interest, accumulated on an investment but is not yet paid. Often, accrued interest is also termed as interest receivable. Some banking books prefer to call it as the interest that is earned, but not yet paid.
Accumulated Depreciation Accumulated depreciation is the total all the periodic reductions from the book value of fixed assets. It is also termed as an allowance for depreciation.
Accumulator Accumulator is also known as capital appreciation bond. The accumulator is a type of security that is related to capital and is issued on face value, but the interest is not paid to the investor on the basis of the time period. Instead, the total amount of accrued interest is paid along with the face value upon the maturity of the security.
ACH ACH is the abbreviation of the banking term automated clearing house. The automated clearing house operates on a national level and helps banks and financial institutions in the clearance of balances and negotiable instruments that are used at a personalized as well as a mercantile modes of transactions.
Active Tranche Active tranche basically stands for REMIC or Real Estate Mortgage Investment Conduit. The REMIC tranche is basically a bond that is backed up by a large set of mortgages. The principal and interest that are paid by the borrowers, are transferred to the people who hold tranche (tranche refers to a portion or money) in REMIC.
Actual Delay Days Actual delay days are also simply known as ‘delay days’. The actual delay days are the actual days of the lag times. The lag time is the time period that starts after the expiry of the last date of repayment.
Adjustable Rate Mortgage (ARM) Adjustable rate mortgage or ARM is basically a type of loan, where the rate of interest is calculated on the basis of the previously selected index rate. Due to this, the rate of interest that is charged differs periodically, usually in every month. Hence, the rate of interest and the total interest remain variable throughout the term/time period
Adjusted Trading Adjusted trading is a mercantile understanding between an investor and the broker or dealer. In this understanding, the investor overpays the broker) for a recently purchased security. As a return favor, the broker overpays the investor for the security or the investment that he wants to get rid of.
Administered Rates Administered rates are the rates of interest which can be changed contractually by lender. In some cases, these rates can also be changed by the depositor and also the payee. The laws and provisions that monitor the concept of administered rates differ in each jurisdiction.
Administrative Float Administrative float is the frame of elapsed time that is required in order to complete the paperwork, in order to administratively sort the checks, or for that matter, any type of currency and negotiable instruments in the bank itself or in the clearing house.
Administrative Review An administrative review is usually used in context to the appraisal of the book value of a real estate and basically, deals in the underwriting issues. The administrative review is usually written from the point of view of loan underwriting during an estate appraisal.

Reference: Read more on Mortgage Loan Underwriting

American Depository Receipt (ADR) American depository receipts, also known as ADRs, are depository receipts which are equal to a specific number of shares of a corporate stock that has been issued in a foreign country. American depository receipts are traded only the United States of America.
American Institute of Certified Public Accountants (AICPA) The American Institute of Certified Public Accountants (AICPA), is a national accountant’s institute of the United States of America, that represents the certified public accountants, who conduct accounting operations in the spheres of business and industry, public practice, government, education, and even NGO’s.
Amortization of Loans One should not confuse between ‘amortization’ as an accounting concept and amortization of loans. Amortization of loans is nothing but the process of liquidation of loans or securities with the help of periodic reductions. The principal amount of the loan is amortized periodically by the method of payments in installments. The techniques that are used for the amortization of a loan differs from case to case.
Amortization Period Amortization period is the time period that is considered from the inception of the credit, investment or negotiable instrument and ends upon the maturity or expiry of the instrument. The amortization period is basically considered in order to calculate the rate of interest, timeline of installments and also the appropriate amount of all the installments. The term ‘amortization period’ is also used in the field of accountancy; however, in a different context.

Reference: The column ‘What is Amortization?’ will give an even better explanation about amortization period

Amortizing Swap Amortizing swap is a swap in the rate of interest that has a declining notional principal.
Alternative Minimum Tax Alternative minimum tax, also known as the AMT, is a type of tax that is levied by the United States government and is a type of Federal income tax. The alternative minimum tax (AMT) is basically levied on the individuals and organizations that misuse and take advantage of tax benefit schemes that are in monetary terms exorbitant, if rationally compared to their annual incomes.
Analytical Solution Analytical solutions, also known as closed form solutions, are simple mathematical techniques and models, used to calculate projections and interest rates by the lending, banking, and finance organizations. Some of the analytical solutions are so simple and effective that the calculations can also be conducted orally, without writing it down on a paper or using a calculator.
Analytical VAR An analytical VAR is also known as the correlation VAR. An analytical VAR is basically the measurement of a financial instrument, portfolio of the financial instruments or an entity’s exposure to the reductions in its value resulting from changes in the prevailing interest rates.
Annual Percentage Rate (APR) The annual percentage rate is calculated by dividing the total financing costs associated with a loan divided by the principal amount of the loan.
Annual Percentage Yield (APY) The annual percentage yield or APY is basically a very accurate and calculated measure of yield that is paid on a standard bank deposit account.
Annuities Annuities are contracts that guarantee income or return, in exchange of a huge sum of money that is deposited, either at the same time or is paid with the help of periodic payments. Some of the common types of annuities include the deferred, fixed, immediate, or variable variants.

Reference: To know more about Annuities, you may also read more on Fixed Annuities Explained and Annuities Pros and Cons

Anticipated Income Doctrine of Liquidity The anticipated income doctrine of liquidity is basically an explanation of bank liquidity development in which the net cash flow of the borrowers is considered as the source of loan repayment instead of usual subsequent new borrowings.
Appraisal An appraisal is basically a statement, document, or an estimated rise, or drastic climb in the price of a particular real estate. The term ‘appraisal’ is also used in connection to raising the book value of a real estate.
Appraisal Surplus An appraisal surplus is the difference between the historical cost and the appraised cost of the real estate.
Arbitrage Arbitrage is the simultaneous purchase and sale of two identical commodities or instruments. This simultaneous sale and purchase is done in order to take advantage of the price variations in two different markets. For example, purchase of gold in one nation and the simultaneous sale in another nation, (international markets) to achieve profit.
Arbitrage Free Arbitrage free is a type of financial model that generates market structures that exclude scenarios generated by the arbitrage transactions and dealings.
Arbitrageur An
arbitrageur is an independent and individual broker who deals in arbitrage.
Article of Agreement Article of agreement is a contractual provision, with the help of which a buyer purchases real estate from the seller over a period of time, and pays the consideration in installments. This type of agreement or contract is also known as a land contract.
As-extracted Collateral As-extracted collateral are extracted or non-extracted minerals created by a debtor having an interest in minerals, and are subject to security interest, either before or after extraction. In short, mined or non-mined minerals can also be used as collaterals.
Ascending Rate Bond Security with which has a coupon rate that increases in previously defined increments at scheduled intervals, is termed as an ascending rate bond.
Asset Backed Security (ABS) A security that is backed with the help of some kind of valuable assets, is known as an asset backed security. Sometimes, ABS is also referred to as the monthly rate of repayment of a secured loan.
Asset Sensitive Asset sensitive is a sort of a position, wherein an increase in the rate of interest will help the investor and the decline in the rate will not be helpful at all.
Asset and Liability Management Asset and liability management is the coordinated management of all the financial risks inherent in the business conducted by financial institutions. In real practice, asset and liability management aims at minimization of loss and maximization of profit.
Assets Repriced Before Liabilities ‘Assets repriced before liabilities’ is a term that is used to define a gap between the repricing of the assets and liabilities in a given period of time.
Assignee Assignee is an individual or an organization or party to whom an assignment is given and commitment taken.
Assignment In the field of banking and finance, an assignment is the transfer of any contractual agreement between two or more parties. The party that assigns the contract is the assignor and the party who receives the assignment is the assignee.
Assumable Assumable is a very different type of mortgage loan application, where the new buyers of a real estate that has already been pledged as collateral, assumes the liability of a loan and also the ownership of the real estate.
Assumed name An assumed name is a name which is assumed by an individual, organization or corporation in order to conduct business. It must be noted that the assumed name is always different from the original name of the corporation.
Asymmetric Behavior Asymmetric behavior is the unbalanced behavior displayed by the financial instruments. It is said to be observed when the rates and value of instruments change in different proportions, in comparison to the market rates.
Attorney’s Certificate of Title The attorney’s certificate of title, is also known as the title option. This certificate is basically prepared by the attorney, in order to state the ownership and the lien priority of an asset, particularly a real estate.
Attrition Analysis Attrition analysis is basically carried out for the purpose of reformation of the assets and liabilities in a balance sheet.
Audited Statements Audited statements are supposed to be the most reliable statements. The audited statements are basically financial statements whose reliability and second effect (according to the double entry system) have been verified, cross checked and confirmed. The word ‘audited’ (audit), signifies the process of verification.
Authenticated Security Agreement The agreement of security between debtor and banker is known as the authenticated security agreement and is accepted by the borrower The acceptance process is done, online and then the agreement is down loaded and printed.
Authority In the terms of banking, an authority is basically a governmental department or agency that is empowered by the judicial system of a nation to authenticate, legalize, conduct and monitor the functions that are related to banking, finance, economics and transactions.
Automated Teller Machines Automated teller machines are basically used to conduct transactions with the bank, electronically. The automated teller machine is an excellent example of integration of computers and electronics into the field of banking.
Automatic Stay The automatic stay is an injunction that automatically becomes effective, after any person or organization files for bankruptcy. The automatic stay basically precludes the creditors from taking the debtor or the property of the debtor.


Banking Terms that Begin With B

Banking Terms Banking Definitions
Balance The balance is the actual amount of money that is left in the account. Sometimes, the term balance also refers to amount of the debt that is owed.
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November 24

Signs of a Bad Oxygen Sensor

An oxygen sensor, also represented as O2 sensor or lambda sensor, is a small electronic device, installed in all new car models and automobiles. Though this device is responsible for monitoring the fuel mixture in a vehicle, many motorists are not aware of its presence in the vehicle. They notice when their car runs on a low mileage, consumes too much fuel, and/or when the mechanic suggests for replacement of the oxygen sensor.

Role of an Oxygen Sensor in Vehicles

So, what is the importance of an oxygen sensor? Well, this device along with the engine computer play a major role in maintaining the lowest air and fuel mixture, which in turn, lowers the fuel consumption. In this process, the oxygen sensor reacts with the unburned oxygen and generates a low-voltage signal (usually 0 – 1.1 volts) that determines the level of fuel content in the exhaust. When the air and fuel mixture is rich (too much fuel), the oxygen sensor signal increases and vice versa.

As per the oxygen sensor reading, the engine computer acts opposite and regulates the on-time of each injector, so as to control the fuel amount squirted in the engine. For example, if the oxygen reading is high (rich), the engine computer reduces the on-time, resulting in lowering of fuel being ejected to the engine. In contrast to this, if the reading is low (lean), the computer increases the ejector on-time and adds more fuel to the engine. This way, the oxygen sensor and the engine computer work for maintaining the air and fuel mixture balance.

Common Symptoms of a Bad Oxygen Sensor

With time, the sensing mechanism of oxygen sensor gets affected due to accumulation of oil ash and contaminants. Generally, replacement of the same component is suggested at about 60,000 – 100,000 miles. However, it may vary based on your vehicle mileage. In case of problems with oxygen sensor, there will be no proper signal for changes in the air and fuel mixture, and the outcome is irregular emission of fuels. In any case, a defective oxygen sensor reduces the engine performance significantly.

Poor Gas Mileage: The most common sign of a bad oxygen sensor is sudden decrease in the engine mileage. In simpler terms, the vehicle consumes more fuel than usual. In addition, the air/fuel mixture of the vehicle becomes irregular, resulting in poor fuel economy.

Engine Missing: Engine missing is usually caused when a bad oxygen sensor affects the air/fuel mixture and engine combustion. It is more evident when the automobile is idle or running at a very low speed. If the power goes off after accelerating, then it indicates a faulty oxygen sensor.

Engine Pinging: Engine pinging is another common sign, which is due to ignition of combustion gases at wrong times. A defect in oxygen sensor either retards or advances the engine ignition timing, thereby causing engine pinging.

Rough Idle: As this component plays a significant role in regulating the air/fuel mixture, engine timing and intervals between engine combustion, there is no doubt that a vehicle with a bad oxygen sensor will run roughly and irregularly. Rough engine idle is mostly caused in vehicles that are installed with a defective oxygen sensor.

Increased Fuel Emissions: As already discussed, the oxygen sensor helps in determining the air/fuel mixture. In a vehicle with a malfunctioning oxygen sensor, the ratio is not measured accurately, which often results in an increased fuel emission and fuel economy problems.

Some cars have an inbuilt alert system that reminds car owners to check oxygen sensors. Otherwise, for diagnosis of a faulty sensor, sophisticated equipment such as a scan tool, digital oscilloscope, or voltmeter are required. Other methods of testing an oxygen sensor include smog test and OBDII code checker. Once confirmed, the only option available for troubleshooting this problem is to replace it with a new one. While replacing, make sure that the oxygen sensor is appropriate for your vehicle, otherwise a wrong device may cause damage to the engine computer, and affect the engine operation and performance.

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November 24

Famous Shoe Brands for Women

Most women love accessories and while there are women who favor handbags and scarves, majority of women love shoes. For women, purchasing a pair of shoes is not just something functional that one would buy. Shoes are a must have accessory and they can complete your look. The best thing about shoes is that unlike dresses which you cannot fit into, if you put on a few pounds, shoe sizes seldom fluctuate. Your trusted pair of high heels will always fit, no matter how much weight you put on. Although there are several brands of shoes for women, only some of them are famous. Famous shoe brands offer a variety of designs, incredible craftsmanship and great quality.

Most Famous Brands of Shoes for Women

Christian Louboutin: One of the most famous shoe designers is Christian Louboutin who is best known for his iconic red sole pumps. These pumps are so famous that any women who wears them is considered to be a fashionista. But Christian Louboutin is not just about pumps. Sandals, wedge heels, gladiators, peep toes, laser cut ankle boots and pumps with structured heels are some designs in shoes that Christian Louboutin is known for. These beautiful shoes for women might be on the expensive side, but they have the best quality and design.

Jimmy Choos: I don’t think there is any woman who has not heard of Jimmy Choo shoes. Jimmy Choo shoes are one of the most famous shoe brands for women and also the most coveted. This high-end luxury shoe company was started by shoe designer Jimmy Choo in 1996. Jimmy Choo shoes are known for their chic and sophisticated design and liberal use of diamante, rhinestones and feathers. Some of the best and most famous Jimmy Choo shoe designs are crystal embellished suede sandals, leather platform zip sandals and open toe lace-up ankle booties.

Manolo Blahnik: Another famous shoe brand for women is Manolo Blahnik. It is a high-end luxury shoe brand that was set up in 1972. The designs of these shoes are extremely detailed and the best-selling designs are jeweled satin T-strap sandals and open toe gladiator sandals with back zip. They are worn by fashionistas around the world and are made with luxurious silks and satins which are embellished with semi precious stones, ribbons and beads. Manolo Blahnik shoes are perhaps best known for their delicate and embroidered sandals with medium heels.

Salvatore Ferragamo: Salvatore Ferragamo is one of the most famous as well as respected shoe brands in the world. Salvatore Ferragamo is an Italian shoe designer who started an eponymous shoe company. The company later expanded to designing and manufacturing luxury goods like handbags, perfumes, watches and clothing. The designs of shoes by Salvatore Ferragamo are modern and bold and include beautiful slingbacks, peep toe heels with signature bow details and flexible metallic flats with suede lining.

Nine West: Nine West is one of the most famous shoe brands that provide latest designs of shoes at an affordable price. Wedge heels, peep toes, stilettos, ballet pumps, shoes with stacked heels, lace up booties can all be found in the nearest Nine West stores. There affordable pricing and chic designs, make them one of the best shoe brands for women.

Miu Miu: Miu Miu is a shoe brand that is a sister concern of the luxury clothing brand Prada. The designs and styles of Miu Miu shoes are very trendy and they mainly cater to a younger clientèle. You can find a wide variety of shoe designs and styles in a Miu Miu store. Miu Miu shoes are best known for their glitter covered pointed platform pumps, suede platform pumps, patent leather ankle booties and leather wedge pumps. When you purchase a pair of Miu Miu pumps, you can rest assured you are buying a quality product which is also fashionable and elegant.

Some other well-known shoe brands for women are:

  • Aldo
  • Badgley Mischka
  • BCBG Max Azria
  • Betsey Johnson
  • Juicy Couture
  • Kate Spade New York
  • Miss Sixty
  • Chinese Laundry
  • Chloe
  • Dolce Vita
  • Fendi
  • Latitude Femme
  • French Sole
  • Marc by Marc Jacobs
  • Isola
  • Callisto
  • ECCO
  • Yves Saint Laurent
  • Tracy Reese
  • Sweet Ballerina
  • Dolce & Gabbana

A good dressy shoe in a fashionable design can instantly jazz up even the plainest of outfits. Shoes are an integral part of any woman’s wardrobe and wearing the best brands make a woman feel sexy and confident.

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November 24

Women’s Pool Shoes

There are a range of pool clothing and accessories available in the market today. As you dress up in a stylish pool wear for swimming, water aerobics or water sports, you can’t miss out to put on the pool footwear that keeps your feet protected and adds to the comfort and effectiveness of your workout session. No matter whether you love the funky and stylish flip flop styled footwear or the completely closed shoes, options are plenty. Here are the details of options and top picks available in the segment of women’s pool shoes.

Shoes for Women

When you browse through the swimming or water aerobic shoes for women which fall in the category of shoes you can find an array of options in terms of styles and designs. Choosing one of these mainly depends upon your choice and comfort. Picking a right fitting pair of footwear needs no mention as you shop for one. You can pick trendy women’s shoes which are available in open, slip-on styles with horizontal straps or even the thong strap sandals. Fancy flip flops which are available in almost any color are best picks for walking around the pool and in showers as well. Sandals with adjustable straps make a perfect pool wear as you can adjust the fitting with help of these straps to ensure that your feet do not slip out even when they are wet. Closed styles make the best swimming and water aerobic shoes as they stay fit on your feet. These are often secured with straps or elastic fit and do not come out while you are inside the pool.

Top Picks

If you are all set to flaunt off your stylish attire at the swimming pool, then you can’t forget to give a finishing touch to your attire with pool shoes from Cudas. The Aquatic collection from Cudas which features a range of closed shoes is simply awesome. With features like toe and hell bumpers for protection, breathable water-flow mesh and pull tabs for ease of removal, all pieces are a must checkout. You will find stylish designs and lovely colors in the collection which offers beautiful shoes.

Speedo is a popular brand which has a good range of water shoes for women. Women’s Zanpa shoes available in flashy pink and jet black color, Women’s Fleet Poolshoe available in cool Barbados Blue and white colors and the fancy Women’s Cyclone shoes available in charcoal and pink combination are all highly popular in the segment of water aerobics and swimming shoes. Also, browse through the women’s sandals and flip flop collection from this brand which offers beautiful pieces which can be worn while walking around the pool and on other wet surfaces as well.

If you are searching for a brand that offers a really huge range of options in ultra stylish and trendy shoes, you must have a look at the collection of footwear from Crocs. Shoes, sandals, crocband, crocs tone, translucent and clogs product line from Crocs is a must checkout for all those ladies who want to dress up in a perfect way for their swimming or water aerobics classes.

Warmers Shoreline
Warmers Shoreline is another brand that offers a line of water shoes for women in closed style. The design of shoes is much different from the common styles in this segment. Colors like complete black, aqua blue and black are sure to be liked by ladies. With mesh foot top which provides required ventilation and Polysuede heel cups that add extra support for stable footing, these are good picks in the category of pool footwear which you can consider buying.

Buying one of the aforementioned pool shoes depends upon your requirements. Choosing a type of shoe depends upon whether you will be using it inside pool water or around the pool. Checkout the styles and pick the one that suits your needs. Get set to flaunt your stylish pool footwear!

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November 24

Right Shoes to Wear with a Pencil Skirt

Without a doubt, a pencil skirt redefines smartness. It is one of the best outfits a girl can wear on any occasion. A pencil skirt stitched out of cotton can be worn at office while the one stitched out of denim can be worn at a party. Hence, you can wear it at innumerable occasions and make heads turn back! But, it is very important to wear an appropriate footwear that complements your skirt. You may get confused as to what would suit your attire the best. So, here’s a gallery of footwear you can choose to grab attention!

Business Boots
Business Boots
If you are looking for a typical formal footwear, business boots are the way out. The “not-so-pointed” look at the front and the medium heighted heels shall add to the classic look they normally provide. Such shoes go really well with a cotton pencil skirt. These shoes enhance the calves very well and will make you look like a real corporate lady. Make sure you polish them every single time you plan to wear them. Black usually looks rich and thus is most preferred. But, you can also go for light brown or off white depending upon the color of your skirt and top.

Kitten Heels
Kitten Heels
Kitten heels are a fashion today. Not only because they look awesome, but also because they provide you with great comfort. These shoes can be worn with formal skirts as well as funky cotton or denim pencil skirts. They come in a wide range of bright colors including green, red, yellow and pink. They can be termed as real feminine stuff and need to be carried really well to complement the attire. These are pointed at the front and have small but slender heels. They are best suited on girls having thin feet. They are sure to give you that classy look!

Pencil Heels
Pencil Heels
Pencil heels are meant to give you that most desired look. They are a perfect pair of shoes to wear on satin and silk pencil skirts. They are a little difficult to carry as the heels are pretty pointed at the bottom and hence may make you feel uncomfortable at times. But, you can practice wearing them once or twice and carry them off well then. As they have long heels, they will make you look tall. So, if you already are a heighted girl, choose to wear them wisely. You can choose shoes with shorter pencil heels. Try out vibrant colors and get that beautiful look.

Calf Boots
Calf Boots
Calf boots are another pair of perfect footwear to wear on cotton pencil skirts. You can wear them when you need to go out on business meetings. They provide you with a very comfortable cushioning from inside and hence make walking a pleasant experience. They come with a long zipper that adds to the comfort and the look. More importantly, they cover your legs till the calves and give them a well toned look. It is always better to choose light colors when it comes to calf boots irrespective of what the color of your skirt is. Again, black is an exception to it.

Among all the footwear in the world, flats are the most comfortable ones! You can not only wear them on pencil skirts, but on every other attire you choose. Flats are usually made out of pure leather which is the key factor providing the best comfort to your feet. They also come in a variety of colors. They will make you look even classier when paired with denim pencil skirts. A little advice to all the girls would be to make sure you have a pedicure done before wearing flats as they tend to expose maximum portion of the feet just leaving the nails.

Loafers are typically meant for corporate use. They can be best suited on cotton and polyester pencil skirts. To get that corporate look, choose black or badge colored loafers. They come with a buckle and a thin belt near the ankle. Usually, they do not have long heels and even if they do, the heels have a flat bottom to make t easier to walk. You may find these loafers made out of a variety of materials, starting from leather to fabrics like cotton. For special occasions, you may wear velvet loafers. Wearing a blazer or a full sleeved white shirt shall complete the look.

Platforms are heels which come with a flat bottom. At times, pointed heels may give you cramps in the upper half portion of your calves. Shoes and sandals that typically come with a flat bottom look very good on polyester pencil skirts. They don’t go with denim skirts and thus that should be avoided. They give an elegant look and hence can be worn with evening gowns as well. You may experiment with colors but my suggestion would be to go for black or white. They come with a thin belt at times above the ankle which adds to the elegance.

Typical and traditional sandals have their own magic. They are a good match on pencil skirts as well as traditional and ethnic wear. Choose sandals that have heels which are minimum 2 inches long so that they enhance your height. Heels also make your legs appear thinner. Sandals also come in an array of colors. Choose colors like golden, bronze or brown so that they give you a formal as well as a stylish look. These usually cover maximum portion of your feet and leave the nails open. Also, they come with a belt and a buckle which can be adjusted according to the size of your ankle.

Stilettos are an evergreen trend. Make sure you choose heeled stilettos to make your legs look long. They will give your legs an awesome look and would complement your pencil skirt really well. Wear them on satin, cotton and denim skirts and make yourself the star of the evening! Stilettos and pencil skirts has always been a rich combination. Experiment with light and bright colors and fetch a lot of compliments. A fact about stilettos which many of the girls don’t know is that the long thread that goes round the leg is detachable and hence can be changed!
I hope you have liked the suggestions given above. I would advice you to actually see yourself in the mirror when you pair any footwear with your pencil skirt so that you get to see the complete look. So, try them out, I’m sure you’ll look stunning!

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