Singapore Loans

Singapore, although a small country, which is really not much larger than a city state, is one of the wealthiest countries in the world and yet, just like in any other country, the people of Singapore need loans from time to time. Also like most other countries, loan providers in Singapore fall under three main categories; Banks, licensed money lenders and un-licensed money lenders. Of these three I think it is safe to say that the banks account for the majority of loans given but the other two categories still manage to do a thriving business. There are two main reasons why banks probably do not account for all the loans and they are that first; often a bank’s criteria for qualifying someone for a loan are probably stricter than the criteria adopted by the other two types of money lenders. The second reason is that whilst banks are certainly efficient, that efficiency often means that it can take a day or two, often longer, for a loan to be approved and processed meaning that a borrower would never receive funds the same day as they asked for them. There are many instances however when the borrower needs the money in a hurry, perhaps the same day or maybe the next day at the latest. Those people that need the money in a hurry know that a bank cannot facilitate that and so they obviously look elsewhere. Of the two remaining money lenders, people should first look to find a licensed money lender as their interest rates will be lower than those of an un-licensed money lender. The reason for this is that in order to have their license and keep it, a licensed money lender must stick to certain regulations which include the amount of interest they are allowed to charge and the period they can offer for a loan to be repaid. For the un-licensed money lender; no license means no regulations to adhere to and so they can charge as much interest as they please and that interest rate is usually very high. Although the interest rates charged by an un-licensed money lender may be very high, some people have no choice but to use them when looking for a loan, perhaps they do not meet the criteria of the banks or even for a licensed money lender and so an un-licensed lender is their last option, one often of desperation. In some countries it is sometimes hard to distinguish between a licensed money lender and an unlicensed one but to avoid any confusion in Singapore, there is a Singapore based website which lists all the licensed money lenders. This means that if you are in Singapore and need a loan in a hurry, before going to the nearest money lender, first check the website to see if that one is licensed or not and if it isn’t, look further afield until you find one that is licensed, perhaps even browse the website to find a suitable one.

Wedding Celebration Digital Photography Tricks: Tips For Taking The Very Best Special Day Photos Possible

It’s your wedding celebration… one of the most attractive days in your life. Read this overview to make certain you select the photography studio hire London and the best wedding celebration photography solution for your big day.

The very first point to do is to give the most opportunities for the professional photographer when organizing tasks during the wedding. When preparing the time of the wedding ceremony and of the reception, couples need to include the time that the digital photographer calls for to capture all the pair’s unique moments. There ought to be a void in between completion of the event and start of the function, to allow for more photos for the new bride, bridegroom and wedding event entourage, especially if they are in 2 various places. The photographers as well as topics will have a more unwinded shoot as well as will certainly enjoy all the components of the wedding celebration if the events are well spaced out.

The photographer must be able to reveal even more than one full collection of wedding event pictures. Preferably, all photographs from 3 to 4 total wedding event sets that are at the very least satisfying should be a standard of an expert wedding event professional photographer.

It is also excellent to have a digital photographer that offers a plan with unlimited insurance coverage for the entire day. Once more, this way, photography will not be hurried.

Next, try to recognize digital photography business or people that get out works to a pool of wedding professional photographers or perhaps freelancers. Sales representatives frequently impersonate actual photographers and aim to charm consumers. Make certain companies deal honestly, and inquire to show 3 to 4 complete weddings from each of the photographers they use you, so you can choose. Ensure the one picked is the one that will certainly cover your wedding event. Or else, it is far better to discover a professional photographer that directly fires weddings. A two-person group is an also better package since two points of view of the wedding event could be taken.

Some photographers only provide the traditional wedding celebration photography design, or strictly a photojournalistic design. It is best to locate a functional digital photographer that can do both.

Couples ought to take note of some vital concerns to ask a prospective wedding celebration photographer:

· Are colored as well as black and whites consisted of, or would he bill additional for B/W? Dramatic impacts could be made with black and white photographs, so ask if this is a premium.

· Are hand and digital coloring or digital shade splitting up included in the package or would he bill extra for these? Much better photos are developed when the photograph shades are divided first, improved, and then printed.

· What type of cams does he make use of? Does he utilize medium format tools and have a backup? Does have a “fallen leave” shutter or “focal plane”?

· What lenses does he use? Does he make use of only one, or will he alter lenses? Make him reveal you photo results that he can accomplish with different lenses and pick the ones which you like to appear with your pictures.

· Is he willing to tailor a plan that is within your budget?

Asking intelligent inquiries will certainly motivate photographers to deal freely with customers. Keep in mind, it’s your big day, and you should make certain that the wedding photography is something that will assist you and your enjoyed ones relive those remarkable memories.

The very first point to do is to provide the most opportunities for the digital photographer when organizing activities throughout the wedding event day. The digital photographer should be able to show more compared to one complete collection of wedding event photos. Ideally, all photographs from 3 to 4 complete wedding collections that are at least sufficient should be a requirement of a specialist wedding digital photographer.

Next off, attempt to be conscious of photography companies or individuals that get out jobs to a swimming pool of wedding digital photographers or even freelancers. Make sure companies deal freely, and ask them to reveal 3 to 4 total wedding celebrations from each of the digital photographers they use you, so you can pick.

Leading Reasons that Digital Marketing Agencies Are Flourishing and also Why You Required Them

Nowadays, competitors for bring in clients is originating from a great deal of networks.
Prior to the net craze started, this competitors was basically local, however that has actually altered quickly.

It is necessary to recognize which of these marketing networks need to be taken advantage of for higher web traffic conversion and also optimum earnings.

A digital marketing agency could significantly concern your help in such times since they have the experience of collaborating with numerous customers, as well as subsequently, they have comprehensive understanding as well as the most effective techniques which could assist them in designing the most effective marketing methods.

Digital marketing companies are your best option when it pertains to developing long-lasting methods.

Field of expertise
Marketing prior to the introduction of internet 2.0 was instead simple as programs were brief as well as consisted of occasions, print advertisements, as well as mail as well as if the spending plan enabled, after that it additionally consisted of radio and also tv.

Nowadays, nonetheless, firms are searching for even more compared to that and also consist of Pay Per Click, Search Engine Optimization, SEM, social media sites, infographic, webinar, and also a lot more.

This is very crucial in today’s times since, if a business cannot adjust to the marketplace problems, it does not endure for long.

In such situations, a digital marketing agency will certainly check out your certain purposes and also aid in focusing on those certain collection of tools that should be concentrated on.

Nowadays, a variety of digital networks have actually arised, yet a lot of companies do not have the resources to make use of all the techniques.

Today, competitors gets on a worldwide degree with rivals defending an item of the marketplace share anywhere, be it in your area or globally.

Lengthy Tail

The huge selection of affordable Software-As-A-Service (SaaS) designs which supply economical framework expenses has actually significantly lowered the limitations which were earlier dealt with by entry-level companies. This implies that start-ups currently have adequate resources, yet at the very same time, they should maintain their expense expenses to a bare minimum.

Digital marketing firms are not simply limited to deal with the needs of top-level customers; there are a variety of firms which could satisfy the demands of small companies which also within their budget plan.

In the long run, having discussed the factors which are aiding digital marketing firms flourish, the one inquiry which still continues to be is- why do you require such an agency to begin with?

Below are the factors –

Search Engine Optimization Conformity: Seo is a strategy whereby digital marketing firms make sure that your website gets the most effective positions from online search engine. This is due to the fact that if your website does not have a great position, after that it will certainly not truly attract the group which you would certainly or else desire it to.
Social media site Combination: The most effective marketing strategy is the one which entails understanding just how, when as well as where to reach your consumers. Social network networking websites have a substantial variety of signed up individuals. Making use of social internet sites could significantly aid in owning web traffic, raising understanding amongst customers and also elevating the degree of consumer interaction for your brand name and also will substantially assist in raising market share.

Web content Marketing: Digital marketing companies like have the ability to develop pertinent material for the target market by investigating on the services and products they try to find. The marketing experts utilize key phrases in order to help customers discover the material conveniently on the internet search engine as well as consequently enhance business for the website which get optimal click-through.

The Other Stock Market

Everybody has probably heard of the New York Stock Exchange (NYSE) or the NASDAQ but many people did not know that those are not the only stock markets available to invest in, those are just the main ones which trade in large company’s stocks. Smaller companies which may be worth perhaps only $5 million or less are not large enough to be listed on these main stock markets but they too sometimes need to raise capital and so offer shares to be bought. These small companies can only sell their shares for as little as $5 and some only for pennies and so these shares are known as penny stocks. Penny stocks are traded in the same way that the larger, more expensive shares are traded and so it is also possible to make money investing in penny stocks as well as in the larger stocks. Perhaps the main difference between the two types of trading, apart from the fact that you would need far more capital to trade on the big markets than you would trading in penny stocks, is that penny stocks do not come under the supervision of the Securities and Exchange Commission (SEC) which the companies listed on the NYSE and NASDAQ do. This means that the small companies are not required to provide information on their company if they don’t want to. The SEC insists that companies trading on the main stock markets must provide some information in order for the investors to know exactly what it is they are investing in. This has led some people to refer to penny stock investing to be more of a gamble than anything else. Although this may be true, it is still possible, like with any type of gambling, to win big and some penny stock investors have done exactly that and become penny stock millionaires. It is certainly true though that as you may not know anything about a company you intend to invest in with penny stocks; penny stock trading presents more of a risk than investing in the large stock markets does. However, as the investments need only to be small, perhaps starting with as little as $50 and the payouts could be big, many people continue to invest in penny stocks. If you are considering starting to trade in penny stocks, how to buy penny stocks is easy, as all you have to do is find a stock broker that trades in penny stocks and as most do, you should have no problem however, as it is estimated that 90% of investors in penny stocks end up losing their investments, you had better hope for the best but certainly be prepared to lose whatever amount you do invest. The investors in penny stocks that have been very successful, the penny stock millionaires, will tell you, you must stick to one system however they are very reluctant to share what that system may be and so devise a system, stick to it and hope for the best.

Providers in Financial Bookkeeping

Offices as well as companies have different activities every day and that consists of accountancy. Whether the business is private or government-owned, it still makes use of audit. Companies, offices, and different organizations could not run successfully without an accountancy staff. Nonetheless, having an accounting personnel can get very costly therefore most business consider auditing solutions or economic accountancy solutions. Chartered accountants like are not tough to find; with using the internet, you can conveniently find them and hire their solutions.

A firm requires to seek assistance from a competent and seasoned auditor or accountant so that all financial activities of the business are checked as well as reviewed. All expenses and revenue is taped and also the accounting professional can also give you with techniques to aid boost the revenue and also sales of a business.

Outsourcing is prominent nowadays since it is a cost-effective measure for business who want to cut-down their procedure expenses. That is why most companies are searching for services of legal accountants. These bookkeeping solutions can provide any company or organization with auditing services, business regulations, taxes, and various other associated issues.

Most the bookkeeping solutions are safeguarded, private, as well as inexpensive. New business is going with these financial audit services. These audit services economical as well as you obtain a great deal of advantages. It would certainly be best to pick an economic accounting service in your area because some legislations vary in other countries. While you’re performing a search online, you must inspect the area of the accountancy service and if ever you select an international accounting solution, you must supply all the required info so that absolutely nothing goes wrong.

The different solutions used by these hired accounting professionals are quite useful specifically in tax, financial accounting, preparation of account statements, and a lot extra. You do not need to bother with personal privacy issues since all company negotiations are confidential as well as secure. These legal accountants can be relied on.

It is an excellent suggestion to check out the background of these economic bookkeeping services, simply to be sure. You could look at the client testimonials to see if the previous clients are satisfied with their solutions. it is one way of telling if the economic service could be relied on as well as if it is trustworthy in the industry.

There are a lot of legal accounting professionals all over the world. Selecting simply one for your business or company is a frustrating task. You need to offer a big section of your time in looking for trustworthy chartered accounting professionals as well as economic solutions. By exerting initiative in your research study, you will certainly can find a good monetary service provider.

It would certainly be best to employ the solutions of chartered accounting professionals as soon as you begin your business procedure. And you understand just what? Also, people could work with the services of these accounting professionals to make sure that they can monitor their monetary matters, especially taxation.

Money is essential.

Individuals along with companies need it for their day-to-day expenditures. It is therefore of wonderful value to monitor all economic as well as loan issues. Go ahead and look for the most effective economic accountancy solution online and even locally.

Having an accounting team could obtain pricey and so most business resort to auditing services or economic accountancy services. These audit solutions can offer any firm or organization with bookkeeping solutions, company regulations, taxes, and various other associated matters.

New firms are opting for these financial accountancy solutions. While you’re conducting a search online, you must inspect the place of the accountancy solution and if ever you choose a foreign bookkeeping solution, you must offer all the essential details so that nothing goes incorrect.

The numerous solutions offered by these hired accounting professionals are quite useful specifically in taxation, monetary accountancy, prep work of account declarations, and a great deal a lot more.

The Possible Errors why is My Computer CD Drive Not Picked up on?

Under all the above circumstances, individuals have the tendency to trying out the struggling disk drive and also by doing so degrade the possibilities of recouping the information from it. To avoid shedding the useful information from the harmed or unattainable hard disk, you should not attempt to carry out hard drive information healing by yourself or via any type of unskilled provider. You might never ever attempt to open up the distressed hard drive and also attempt hard disk fixing, as by doing so, the dirt bits in the common setting could go within the head as well as the plate leading to irreversible loss of information.

If you get the message stating that the CD drive has actually gone away, after that below is the option.

If you get a CD drive after you click the plus indication and also you observe a red tinted cross close to it, it is an indicator that the operating system did not acknowledge the drive. Best click on the drive name and also choose make it possible for. If it does not reveal the drive, it shows that the system has actually not acknowledged the vehicle driver or the vehicle drivers are not fix.

Click My Computer as well as after that click on Properties. Click on plus indication which is close to DVD/CD ROM. Uninstall the CD drive.
However, numerous storage space tools, consisting of outside drives, pen drives, ZIP drives, CD, DVD etc, are readily available in the market, hard disk still holds its value as the significant storage space tool. As the exterior media are a lot more mobile, they are thought about much more vulnerable to information loss and also individuals utilized to keep their beneficial information in their system hard drives for the benefit of its security. Several individuals take into consideration hard drives as the irreversible storage space of information as well as strategies to maintain information for a longer duration.

If your computer system CS drive is not being detected, you need to have not set up the CD/DVD ROM chauffeurs or they are damaged. You should adhere to some very easy actions to understand whether the CD chauffeurs are not set up or are damaged.

Also after doing this you are not able to discover the CD chauffeur, you have to inspect the equipment in the computer system. Eliminate and also attach them as well as see whether the CD drive is detected.

A tiny issue with any of these elements could obstruct the smooth performance of the hard disk leading to the loss or inaccessibility of information. Some of the most possible instances of information loss in a hard drive:
– When powered on, either makes clicking sound or continues to be entirely quiet.
– The system does not boot in all and also motivates to reactivate whenever you aim to boot it.
– The hard drive of the computer system is not detected by the system BIOS.
– While booting, the system reveals heaven Screen Of Death as well as cannot boot additionally.
– The chips or adapters of the hard drive are significantly harmed as a result of electrical rise or any type of drop/hit.

So what to do if hard drive not found? Actually you can do check the possible errors above or find companies that provide data recovery services.

Offer Your Products Online

Don’t just sell some of the items that you want to dispose of on shelves. Right now, for you to sell a lot of what you want to make money from, you ought to utilize the internet. You should appeal to online shoppers and literally sell products online. To offer items on the web, you need to have at least a customized website. As much as possible, you should have an e-commerce page. If you don’t have time to construct one or if you can’t afford to build a personalized page, you could always just create a simple website that has information of your products on it. Of course, you could also choose to utilize social networking sites as well. By simply making an account on any or most of the popular social pages, you could advertise easily. In addition to that, you do have the option to contact online marketing experts too. There are basically different strategies that you could try to help yourself get items sold on the web, as outlined. If you’re interested to know more about the methods that were enumerated then you should direct your attention below.

Having a website for business can be very advantageous. When you’d have a site where you could display and sell goods, you’d have a page that is profitable. Though you still have to make a website visible to search engines in order for it to be lucrative, having a website for commerce alone means owning something that can be used to gain income. To build a site, you need to look for an application that’s specifically designed for creation. Look for one that many have used and effectively benefit from instead of just any tool that can help. You should use that which has been used numerous times by lots of individuals so that it would be possible for you to utilize something that has been tested and confirmed to be helpful. When you’ve found a program that can help, you should then search for a company online that supplies disk space online or hosting services to customers. After all, you still need to host or give online to the components of your website so that they could be available on the internet. For you to understand more about hosting in general and know the prices of hosting plans, you may want to visit or similar pages. Of course, after that you still have to register a website name so that your website would have an address that people could use to get to your products.

To make your website preferred by people and let people become informed of the existence of your products online, you could try various internet marketing techniques that could help you promote your brand and the items that you’re selling. For advertising, you could try blogging or article writing combined with search engine optimization. Also, you could become a part of different social sites so that you could have access to platforms where you could do endorsements easily.

What is an Umbrella Company?

If you are a contractor you may already know about umbrella companies but for those of you that don’t, here are the basics. If you wish to read more about umbrella companies though, there are plenty of other websites that explain them more fully. Basically though an umbrella company is a company which will register a contractor as being one of their employees and by doing so allows a contractor to make claims, for tax purposes, for expenses which as a regular self-employed contractor, they would not be able to make. Obviously if a contractor can make more claims for expenses, they can overall earn more income but at the same time, if they become part of an umbrella company, they can also reduce the amount of paperwork that they have to do. The paperwork for a contractor is reduced because once the contractor provides the umbrella company with their workers worksheets; it is the umbrella company, as the employer, that will pay the workers. A contractor’s paperwork is also reduced further due to the employer, the umbrella company, creating all the contractor’s invoices and collecting the payments in regard to those invoices. In order for the umbrella company to do this though, the contractor will have to provide them with their bank account details.

Although there is another way in which a contractor could make extra expense claims, the other way will require that the contractor does more paperwork rather than less. This other way is by becoming a limited company which while allowing them to perhaps make even more claims than being an employee of an umbrella company may, being a limited company requires extra paperwork to be correctly maintained.

With an umbrella company being responsible for the paying of a contractor’s workers and the creating and collection of their invoices, a contractor that is part of an umbrella company will find themselves with more time available to ensure that their workers are completing their tasks correctly and to time and will also allow the contractor time to search for more projects, both of which could result in the contractor making more money. There is of course a fee involved in becoming part of an umbrella company but that fee will have been arranged prior to the contractor becoming part of the larger company and those fees will be deducted, by the umbrella company, from the money they collect from the contractor’s clients. As the contractor will have been required to provide the umbrella company with their bank account details, the umbrella company will place all the4 monies they collect on the contractor’s behalf, less their fee, directly into the contractor’s bank account. This all means that a contractor can safely detach themselves from having to complete a lot of paperwork and also be assured that their accounts are in the hands of professional accountants. This is usually a cheaper option than a contractor hiring an accountant which would not qualify them for making extra claims anyway.

Cisco CCNA/ CCNP Tutorial: Home Lab Assembly Case Study

When you’re putting together your home lab, part of your CCNA/ CCNP education is deciding what network topology to use. Some of you are starting with one or two leading cisco routers or switches, while others are starting with more. A customer recently sent me a list of his Cisco routers and switches that he has available for a home lab and asked for my help in coming up with the best way to use them.

There is no “right” or “wrong” answer to this question; again, part of the learning process is configuring and reconfiguring the physical topology of your lab. Let’s look at the routers and switches he has available, including the interfaces on each, and come up with one possible CCNA/ CCNP home lab setup.

The equipment list:

Two 3620 routers. Each has 1 serial port and 2 ethernet ports.

One 3640 router. This has two ethernet cards, each with two ports, and two AUI ports.

Three 2503s, my personal favorite for home labs! These have 1 AUI port, 2 serial interfaces, and one BRI interface apiece.

One 2524 router. This has one serial port, 1 ethernet port, and one BRI interface.

One 4500 router. This has eight BRI ports, 2 ethernet ports, and more importantly, four serial ports.

He also has a 5200 access server, an ISDN simulator, one 2924 switch, and one 1924 switch.

Now, if you don’t have this much equipment to work with, don’t panic! Most CCNA/ CCNP candidates don’t; this is more of an exercise in looking at what you do have and using it to the utmost.

As I’ve mentioned in many of my CCNA/ CCNP home lab articles, an access server is a great thing to have. All he needs is an octal cable to connect his AS to the other devices we choose to use, and he’s all set. (If you need an access server sample configuration, there is one on my website in the Home Lab section.).

A frame relay switch is also great to have, and the 4500 will make a great FR switch. Having a frame relay cloud in your CCNA/ CCNP home lab is a great way to get experience configuring and troubleshooting frame relay, an essential skill for CCNA success.

I would put both of the 3620s on the frame relay cloud via the Serial interface, as well as two of the 2503s. That gives you four routers that will be using frame relay to communicate, and that’s the most we can have since the 4500 has four serial ports. The 4500 will need to be configured as a frame relay switch and connected to the other routers via a DTE/DCE cable. (Again, if you need a frame relay switch configuration, the one I use in my pods is on the website in the same place as the access server configuration.).

The two 2503s that are on the frame relay cloud should also be connected via their BRI interfaces. The home lab also includes an ISDN simulator, which is necessary to allow routers to communicate via their BRI interfaces. Just get a couple of straight-through cables to connect those two routers to the ISDN simulator and that segment is ready to go. (Remember that you can’t connect Cisco routers directly via their BRI interfaces.).

All of the routers in this lab have at least one ethernet or AUI port, so we can connect them all to either one of the switches. Having two switches really does add quite a bit to a CCNA/ CCNP home lab’s capabilities.

Two of the routers that are not using their serial interfaces should be connected directly via their serial ports. You should be able to bring such a connection up with your eyes closed, and once you work with your own CCNA/ CCNP home lab, you’ll be able to!

Also, don’t forget to add a loopback interface to each one of your routers. I like to use for R1, for R2, and so on. Advertising loopbacks is another great way to get practice with RIP, OSPF, EIGRP, IGRP, and static routing.

We’ve taken a pile of routers and switches and turned them into a fantastic CCNA/ CCNP home lab. Whether you’re working with two Cisco devices or ten, coming up with your own home lab topology is a great learning experience and the beginning of developing your analytical and troubleshooting skills.

A customer recently sent me a list of his Cisco routers and switches that he has available for a home lab and asked for my help in coming up with the best way to use them.

(If you need an access server sample configuration, there is one on my website in the Home Lab section.).

The home lab also includes an ISDN simulator, which is necessary to allow routers to communicate via their BRI interfaces. All of the routers in this lab have at least one ethernet or AUI port, so we can connect them all too either one of the switches. Having two switches really does add quite a bit to a CCNA/ CCNP home lab’s capabilities.

Be Motivated To Work Today

If you’ve noticed that you’re mostly procrastinating and are coming up with lots of excuses constantly just so you could escape from running a business or being employed, you should do something about your situation. After all, eventually, you’ll have to be independent. Even if your parents are wealthy and you’ll receive inheritance, take note that money is easily spent and you may lose everything that you have when you don’t know how to gain income. It’s normal for people to feel bored and lazy but a person should be responsible and learn how to earn his or her keep. For your sake and the sake of those that you care for, you should start run a business on your own or look for an employment opportunity so that you could receive earnings. Even if running a company requires so much work and despite the fact that not all business establishments are hiring, as long as you’d work hard to be a boss or be hired, you may be able to receive income. For some tips that may help you stop yourself from wasting time and getting things done, please read on.

If you think that you need help then you should seek assistance. There’s no shame in admitting that you’ve got feelings of inadequacies. Everybody’s got problems. Having issues may be troublesome but it’s worse to simply leave problems without solutions. Find people who can help you feel better or inspired to be productive so that you could be a valuable member of society. For practicality, you should find a mentor as soon as possible. Don’t just go for a person that claims that he or she can help you feel better about yourself or make you useful. Look for a professional consultant that has managed to help people become inspired and literally be compelled to pursue a career path independently. After all, it would be unwise for you to get the aid of someone whom you’d be dependent on and you could greatly benefit from hiring someone who can help you become industrious independently. If you’re not comfortable having one-on-one sessions with people, you could always download or buy hypnosis tapes. Still, there are also motivational video recordings that are available too. Right now, there are so many things where you could gain inspiration from so you shouldn’t feel hopeless.

Give yourself positive affirmations constantly. Be appreciative of your accomplishments too. Take note that you’d think better of yourself when you’d believe that you’re someone who’s accomplished and needed by society. Besides these things, though, you should also realistically look at the advantages of having money and accept the disadvantages of being poor. When you have resources to spend, people would respect you and you’d be able to have access to numerous things that can make your life worth living. When you’re deprived of so many things, you’re also miserable. If you don’t want to be unhappy with your life and are interested in truly belonging to society then you should be productive by having means to earn money.