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CS Perceptions

Invest in your Financial Knowledge!


CS Perceptions

Invest in your Financial Knowledge!

Maximize Your Savings and Invest


Setting aside a portion of one’s income is today’s norm when safeguarding one’s future. Setting up savings accounts with banks are the most common practice by old and young people alike looking to build their wealth and preparing for financial emergencies. Most people don’t realize that a better way of doing this is also possible through investments.

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Tips to Help You Get Boat Financing Quickly

boat financing

In real sense, getting a boat loan is not much different from getting a car loan. Both are an investment, and both require enough capital to be able to make the purchase. Owning a boat is a dream to many. The good news is that you are able to actualize your dream by owning a boat of your own. It is not as difficult and complicated as some would think. Yes, for you to qualify for the different financing options, you need to meet the requirements. Nowadays, various lenders have come up with well-structured financing options for those looking to get financed to purchase a boat. Since the amount of capital involved is high, the process you have to go through to secure the loan may seem complicated. Lenders are not willing to give you such a huge amount of money for your investment without a guarantee that the funds will be repaid. Understanding how boat financing options work will help you determine which form of financing will work for you. There are various forms of funding, such as bank loans and home equity loans. Below are tips to help you secure your boat loans quickly.

Prepare Yourself

Just like you would prepare yourself for a business or home loan, you also need to prepare yourself before approaching a lender for a boat loan. It is unwise to show up at the lender’s office to seek a loan if you have not sorted out your financial information. For example, you need to have precise details about your sources of income, including the specific amount you wish to finance. The lender will want to see your financial statements to have a glimpse of how your financial situation looks. Before you start the process of asking for finances, take time to prepare your books, and ensure that they are clean and accurate. The lender may also want to know whether you have ever filed for bankruptcy, and if so, why. You should be able to defend yourself if you want the lender to approve that boat loan for you. Note that you may be required to reveal the assets that you own and their approximated value. A lender will only feel comfortable approving your loan if they are confident that you will be able to repay the loan. Don’t ruin your chances by failing to prepare yourself in advance.

Seek Loan Pre-Approval

One of the wisest things you can ever do when seeking a boat loan or other form of financing is to get a pre-approval.  This is a letter that is usually given by the lender as a form of assurance that the borrower will be able to get the money after the loan application. It is good to ask the lender you plan to work with about the pre-approval. If they don’t offer it, consider other lenders in the area with reasonable rates and guaranteed pre-approval. Having this letter enables you to start shopping for the boat early enough, even if the money is yet to get into your account. In case you find a deal that you like in the boat showrooms, you are still able to bargain for it, knowing that the money will still come through. It also helps you to budget yourself and minimizes your chances of overspending on the boat purchase. In some way, a pre-approval quickens the actual boat loan application process and reduces the time it would have taken to get your loan. You should use this trick if you plan on asking for a boat loan.


There is usually a higher chance of getting a loan approved if you have collateral with you. No lender is willing to risk their money for someone who doesn’t offer them any security, considering the size of the loan. As a borrower, you need to opt for the secured loan because it guarantees you lower rates and a more extended repayment period. When you seek boat financing, you need to show the lender that you are less risky. This increases the chances of them giving you the loan. Provide evidence of your employment if you have a job. Be frank about your property ownership, including savings and investments. This puts you in good standing with the lenders. Don’t shy away from stating your position and declaring your rightful assets. Besides, if the lender considers you less risky, you might get lucky and end up getting better interest rates. If you don’t own property, don’t feel bad for yourself. You could choose to work on your credit score. If you have a good credit score, the lender will have no reason to deny you the loan.

It is okay if you cannot afford to purchase a boat with your own money. That shouldn’t worry you. There are other boat financing options such as boat loans or home equity loans. Consider the tips above to increase your chance of getting a boat loan.



Industrial Water Treatment

Industrial Water Treatment Equipment- The Common Types

Industrial water treatment encompasses an array of aspects that are used to optimize water-based industrial processes like heating, cooling, cleaning, processing and rinsing. These aspects include boiler water treatment, cooling water treatment as well as wastewater treatment. The systems used in these processes meet an array of separation and purification needs and they can range from compact and straightforward, to large and complex units that perform a variety of applications. Simply put, these systems treat water so that it is appropriate for a certain use, whether it’s for manufacturing, consumption or disposal.

industrial water treatment

Industrial Water Treatment

Industrial water systems vary and tend to function differently. As such, the purpose often determines the best kind of system to use. In this read, we are going to look at the most common industrial water treatment systems and their benefits.

Ultrafiltration Systems (UF)

This is a pressure driven process that utilizes a membrane to get rid of emulsions, metal hydroxides, suspended solids, emulsified oils and other materials from the coolant, wastewater and other solutions. Ultrafiltration excels at clarification of solutions that have high concentrations of oil, suspended solids and bacteria.

Ultrafiltration systems are made to reduce oily water volumes by 98% without the use of chemicals. The systems are ideally capable of eliminating small fines in tumbling and deburring activities. This enables the soap and water solution to be recycled and reused. With this technology, companies experience a reduction of detergent and wash water costs by as much as 75% and a reduction in the costs of waste disposal by as much as 90%. This is why ultrafiltration technology is one of the most popular processes when it comes to water treatment.

Reverse Osmosis (RO) Systems

The RO technology eliminates dissolved impurities and solids from water by utilizing a semipermeable membrane that allows water to pass but traps most of the dissolved solids and other contaminants. As you may have already guessed, the reverse osmosis membranes need a greater than osmotic pressure as well as high-pressure water in order to get the desired results. The dissolved solids rejected by the membrane are known as the concentrate and the water that goes through is known as the permeate.

A well-designed and run reverse osmosis system can get rid of up to 99.5% of incoming dissolved solids and contaminants and all suspended/colloidal matter from waste and feedwater applications.

Vacuum Evaporation & Distillation

Evaporation is a natural process and a clean separation method that is known to be one of the best ways to treat industrial water. Since it extracts water from the contaminants instead of filtering the contaminants from water, it is different from other methods.

Well, there is no other technology that can get a higher water recovery and concentration rate like vacuum evaporators. These systems accelerate evaporation in order to treat and distil wastewater amounts of up to 120 tons per day.

The common types of vacuum evaporators include:

  1. Heat Pumps- these are versatile and flexible, very reliable and consume low electrical energy.
  1. Mechanical vapor recompression- these are designed for the treatment of huge wastewater flow rates.
  1. Hot/cold water- these reduce the running costs by using existing excess hot water or steam and cooling water.

Paper Bed Filters

These are filter types that function by the help of gravity and use permanent filter media or disposable paper media to create a positive barrier that separates solids from all free-flowing liquids. These filters are ideal for industrial applications that involve the low to medium elimination of organic and inorganic contaminants like plastic, glass as well as ferrous and non-ferrous metal. These systems increase the quality of the surface finish and extend the tool and coolant life by about 27%.

These units come with or without magnetic separation and tend to handle up to 130 gallons per minute in flow rate. There are, however, other models like the drum type, that can handle up to 500 gallons per minute.


These are not the only systems out there, but they happen to be the most common. If you are looking to get one, it is advisable to delve further on what problems you might experience, the cost and even how to choose the best one for your application. It’s also advisable to seek help from a professional in the field to ensure you make the right decision.

Are you disappointed with the returns you are getting from your investment portfolio? If you’re not satisfied with the current state of your portfolio returns, you might want to start utilizing technology. The right tech can help you in many different ways.

You Can Store All Of Your Information In One Place

Experts often say that you shouldn’t put all your investment eggs in one basket. While this is sound advice, it can be a challenge to track your portfolio when you’ve made investments in a number of different areas. Sheaff Brock Investment Advisors discusses a number of ways technology can be used alongside investing.

Thankfully, with the right tools, you’ll be able to keep an eye on all of your investments. Even if you have a wide range of investments, you’ll be able to track everything in one place.

You won’t ever want to lose track of your investments; you’ll want to know how well your investments are doing. The right technology will allow you to keep track of everything.

It’s Easier To Track Your Investments

Technological advances have made it easy to keep track of your investments. No matter where you are or what you are doing, you’ll be able to keep an eye on your investments.

If you travel a lot, you’ll be able to watch your investments while you’re abroad. If your investments are a hobby for you, you’ll be able to look in on your investments while you’re at work.

When you’re able to pay attention to your investments, you’ll be able to notice potential problems. If you need to sell off some of your investments — or make some changes — you’ll be able to do just that.

Investment apps can be a powerful tool in the right hands. Check the apps store and see if you can spot any apps that would be useful to you.


You Can Analyze Your Data And Change Your Approach

Technology also makes it easier for you to analyze your investment portfolio. You’ll be able to gather a great deal of data, and you’ll be able to go over that data carefully. If you see that certain investments aren’t paying off for you, you may want to invest your money elsewhere.

There are a number of programs that will allow you to keep track of your investment portfolio. From apps to software, you’ll find a lot of tools that you can use to gather data. Having all of this information organized in one place can be very convenient.

If you’re not using technology to track your investment portfolio, you should change that. Look at some of your options. Find an app or a program that you can use to collect data. Once you’ve gathered an ample amount of data, you can look at that data to see what you can learn from it.

As you can see, technology can absolutely improve your investment portfolio returns. If you want to increase the size of your returns, you’ll want to make sure you take advantage of the many resources available to you. Modern technology is a godsend to investors; with the right tools, you’ll be able to earn a lot more.

If you are an institutional investor then you may want to look at a Registered Investment Advisor. Sheaff Brock recently launched an Institutional Group to assist Institutional Investors.


When one starts investing, one needs to be familiar with the term portfolio. A portfolio is defined as investment tools such as; stocks, shares, bonds, mutual funds, cash and many others. These investment tools are all combined depending on the investor’s budget, income, risk appetite and the holding period. This is made in such a way that the risks between the investments are stabilized and that if ever a loss may occur it is only minimal. This combined mix of investment tools is what we call an investment portfolio. Sheaff Brock specializes in managing client portfolios given whatever their risk tolerances might be.

In setting up one’s investments, it is important to set-up a portfolio that maximizes your savings. A portfolio manager like Sheaff Brock is needed to attain professional portfolio management and allocation. This is important to fully maximize the value of one’s portfolio to realize gains and profits. Portfolio management is both an art and science that makes sure that the investment mix and policy matches the objectives of the investment, that it’s assets are well allocated to individuals and institutions, and that risk is balanced against the performance of the investment. In its simplest term, it is managing one’s investments in a diversified way, minimizing risks and losses, for the capital to increase and gain profits throughout the investments holding period. Investments are usually maintained and managed within a given holding period depending on the investor.

Two most common portfolio management types are the active and passive portfolio management.

Active Portfolio Management – the portfolio is managed and maintained by a set of members that actively participate in making the investment decisions for the investment tools available. These members do extensive market research before deciding to invest in any investment avenue.

Passive Portfolio Management – the portfolio is maintained and invested based on a market index, and the investment mix is usually used to invest in the best performing company in the index as the best investment option.

Portfolio management is ideal for people who have little or limited knowledge when it comes to investments. The portfolio manager is the one who will be managing one’s investments as they would have expert knowledge about investing. This is is also ideal for people who have no time spare to do hands-on participation with their investments. As most investments are set-up as passive income for most people, people would rather let a portfolio manager manage their investments for them as they continue working with their full-time jobs. Portfolio management is a convenient way for those without the time and experience in investing to participate and earn through the help of a portfolio manager.

Professional Portfolio Management and Allocation is accurately done by a portfolio manager who is entrusted to make sure that investments are properly managed and well allocated to earn gains and profits. He is charged with investing the portfolio to investment avenues that correspond to the investor’s defined criterion of their age, budget, income, risk appetite and holding period. He is tasked with diversifying the investor’s investments in such a way that only minimum risk is involved when opting for maximum returns. The portfolio manager is the overall keeper of the investor’s portfolio and makes sure that returns are attractive and risks are reduced. The portfolio management process is a going term between the portfolio manager and investors. Throughout the holding period of the investment, the Sheaff Brock reports to the investors regularly to keep them updated with the changes regarding their investment. Together with the portfolio manager, the investors can reach their investment goals and objectives.

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