Differences Between Damask, Brocade, and Jacquard

Often times, uneducated individuals use the terms damask, brocade, and Jacquard interchangeably with one another. It can often confuse those who are unfamiliar with the world of fabrics. Jacquard is a decorative or woven pattern that is created by using a Jacquard attachment on a loom. The attachment resembles the punch card on a piano. It is purported to offer better versatility and fabric control for the operator of the loom. The Jacquard technique can be applied to a variety of fabrics, and it is commonly used on brocade and damask fabrics. It is commonly used in a variety of apparel and home goods, from tablecloths to bedding.

Brocade is defined as a lavishly decorated, shuttle woven fabric. It is primarily woven from silk; although, it is possible to find brocade constructed from a blend of silk and synthetic fibers. Often, it will be embroidered with gold or silver thread. Brocade can trace its origins back to India, where weaving is a traditional art form. It is typically woven on a loom, and it may or may not be woven using the Jacquard technique. It is also characterized by the manner in which the brocaded or broached parts of the fabric hang in loose groups or are clipped away. Although the scenes and patterns on brocade appear to have been embroidered, the scenes are actually woven into the fabric using advanced weaving techniques that involve manipulating the weft and weave of the fabric. The most common types of scenes depicted on brocade fabric are those of floral prints.

Damask, similar to brocade, is a fabric that features woven scenes of floral patterns, intricate geometric designs, or simple scenes of domestic life. It may be woven of silk, wool, linen, cotton, or synthetic fibers. However, it is most commonly created from silk. It is primarily different from brocade in the fact that its woven fabric pattern is reversible, while that of brocade is not. Similarly, shorter weft patterns in damask allow for more subtle effects in the fabric to be created as it plays off of shadow and light. Damask weaves also contain a higher thread count than that of brocade. Double damask weaves are the highest quality of damask produced; however, it is also the most expensive.

Different Types of A Financial Calculator To Choose From

If you are making some financial goals for the future, whether it has to do with your mortgage, investments, car loans or even managing your debt, being able to calculate things like your returns, the time period for which you need to save or how much you need to save is important.

With the various resources now available to you via the internet, you no longer have to wait on a meeting with the experts to give you the information you need. Instead, you can now use the resources available to you online to get started today.

One of the most important resources that you will find online as it relates to planning your financial future is a financial or money calculator. There are many different types available, and so you will need to choose the one appropriate to you based on your area of interest.

Mortgage Calculator: This calculator can be used to determine your monthly payments based on the interest rate and terms of your mortgage. As a result, you will find that there are different versions of this calculator available. There is a calculator for fixed mortgages and also one for adjustable rate mortgages. There is even a calculator that will help you to compare the two different types of mortgages to see which will suit you best. In addition, if you are thinking about refinancing or buying a new home, there is a mortgage calculator that will help you to determine the terms which will be most favorable to your situation.

Car Loans: This calculator will help to give you the confidence you need when dealing with the dealer of your car financing. You can use this calculator to check the terms of your loan and determine your monthly payments. In addition, you can also use the car loan calculator to compare various loans and choose the one with terms most appropriate for you.

Credit Cards: Today many persons are consolidating their credit card debts in order to pay off their credit card loans faster and also to be more consistent. You can use this type of financial calculator to help you determine the amount that you will need to pay in order to complete the payment of your credit cards by a set date. You can also use this calculator to help you see the difference it will make if you choose to make fixed payments to your credit cards instead of just paying the minimum amount.

Investing: If you are thinking about investing or have started to do so, financial calculators will help you to determine the amount you need to save in order to reach your goal. It can also be used to determine the amount that your investment will earn over time.

There is also a calculator for retirement planning, managing your debt and your personal finance. Basically, any type of calculator that you need to plan your financial future can be found online. The calculators are also very easy to use and most of all they are free.

No Credit? Here Are Easy Ways You Can Build Credit

Are you someone who has not established credit yet? Are you denied the same access to credit cards, loans and other credit ways simply because your credit score is too low from not having enough credit or no credit at all. Do not fret, because help is on the way!

If you are planning on getting a personal loan, owning a car, having a home of your own, working in a bank or finally acquiring the furniture you've been longing for a long time then establishing a credit is the answer.

Here are a few ways you can start building up your credit report and get on the road to good credit!

– Start to apply for a guaranteed approval credit card that reports to the credit bureaus. Take your time and always read the fine print in order for you to find the best deal for yourself. These cards are similar to debit cards but they have the Visa or Mastercard logo on them and they report to the credit bureaus.

– Another option might be to check if the lending institution of your choice has a secured credit card being offered. The interest may be higher but you may be able to upgrade to an unsecured card within 12 months if you maintain your payments on time.

– Another type of credit card with easy approval requirements is the merchandise credit cards and department store credit cards. These are an excellent source to start to establish a line of credit. Make sure it's a store where you can purchase a lot of your shopping needs. This way, you do not need to apply for a multiple cards at once which can be seen as a negative on your credit report. One word of caution. Department store credit cards tend to have high interest rates, many of their interest rates start at 15%. So keep an eye on your balance and try to pay as much as you can each month. NEVER make just the minimum payment, especially on a department store credit card.

– Do not forget to fill up any application for a loan or credit card completely. If something does not apply put N / A on that line. Including your checking and savings accounts and any accounts you pay for on a monthly basis even if they do not appear on your credit report. If they do not appear on your credit report, please make sure you include a way for your prospective lender to contact them for a trade reference.

If you are thinking about applying for a car loan, it's good to do research on the dealership or car lot where you want to make the purchase. Most dealers will provide a source of financing. Some may carry their own loan and payment plans. Be on the lookout though and read contract carefully if you do not want to get stuck with an interest rate that is through the roof. This venture is where a good cosigner may come into play.

Use these tips to help jumpstart your credit history and get approved for the credit that you deserve!

Copyright (c) 2006 Liz Roberts

Common Questions in the IELTS Writing Exam Under the Academic Module

It has always been said that preparation is the key to any endeavor. Indeed, success is possible when thorough planning and preparing have been considered well. For many Filipinos planning to work and study abroad, the first thing they have to do is to prepare their requirements and one of these is by taking an English competency test – the IELTS or the International English Language Testing System exam.

Due to the test’s popularity, hundreds of Filipinos nowadays are looking for IELTS review centers to get training and courses. IELTS review centers have created class courses that enhance the examinees’ English skills in short span of time. Moreover, Filipino examinees consider IELTS review centers a good venue to learn skills and strategies they need, most especially in the writing section. Writing is one section most examinees consider challenging; hence, they need more practice in this area.

The IELTS writing section is composed of two different tasks. The first task asks the candidate to write a 150-word essay describing a process or compare and contrast data presented in graphs, charts and tables. The topics that are covered in this section are very varied. There are graphs representing age differences in countries, spending habits in shopping, or internet activities of particular age groups. In process or chart data, candidates are presented with processes like making cement, picture booth process, precipitation, or charts of deforestation. Examinees need to understand the graph or the diagrams well to be able to interpret it appropriately.

The second task of the IELTS writing section asks the candidates to write a 250-word essay in 40 minutes. Examinees are tasked to give their opinion on a given topic or statement. The topics that are usually given in the second tasks are topics about old age, globalization, science and technology, environmental issues, lifestyle, education issues, and social issues. Examinees need to be familiar with these topics. Questions on these topics are not too technical so candidates do not need to read a lot on these topics.

Coming up with a good essay on both tasks might be a little difficult at first. However, with constant practice in writing essays, candidates will be able to develop their skills in improving their writing styles. Moreover, coaches in IELTS review centers constantly give feedbacks and comments to their trainees’ essays. They will guide examinees step-by-step until their essays become effective and appropriate for the IELTS examination. Indeed, being part of an IELTS review center creates great advantages one can experience.