該買房還是租房?看貸款負擔率&房租收入比!

裝修

(本篇文章經「股感知識庫」授權轉載)

究竟「買房好」還是「租房好」?

專家名嘴常說:「買房就是一種價值儲存,現在不買,以後更買不起。」、「不買房,你的錢只會越來越薄。」

當你因此盲從買了房,卻因為要付遠超自己所能負擔的債務,生活水準驟降,最後因為突發狀況以致週轉不靈,到頭來還是兩頭空。

專家名嘴卻又常說:「租房可以讓你每隔一段時間就住新的房子。」、「租房就可以省下很多繳 貸款 的錢,來提升自己的生活品質。」

當你因此決定從此租房,卻但仍須面對過高的租金、生活環境不安全、不確定性等風險,例如:可能換到有漏水的房子、遇到惡鄰居…等;或突然就被告知不續約,於是又要到處奔波看房子……等,這些問題也是屢見不鮮。

總而言之,買房還是租房,往往取決於「經濟負擔」及「生活品質」!接下來筆者將試著用兩個公式,告訴你究竟如何達成兩者平衡!

買房時,房貸超過收入 50% 就出事啦!

討論這個問題,可以透過「房貸負擔率」來推敲,簡單來說就是指「每月賺的錢,用來還房貸的比例」。如果計算出來的比例「超過五成」,亦即你每個月賺的錢有一半以上是要拿去還房貸的,那代表這間房子對現在的你來說太貴了,不適合你買!

計算範例情境一:
假設A每月可支配所得約 40,000 元,看上了一間每個月需繳納 25,000 元貸款的房子。這樣A之於這間房子的貸款負擔率即為 25,000 / 40,000 = 62.5% ,超過一般認定合理的 50%。代表這間房子如果A買了,會有過於沈重的房貸負擔。
若從數字面來看,付完該月房貸後,A這個月能用的前只剩 15,000 元。這筆金額必須支付吃、穿、水電、網路、通勤費…等等,在沒有其他娛樂支出下,必要生活支出就已經有點捉襟見肘了!

計算範例情境二:
假設A在相同薪資水準下,看上的是一間每個月需繳納 18,000 元貸款的房子。這樣A之於這間房子的貸款負擔率及為 18,000 / 40,000 = 45% ,低於一般認定合理的 50%。代表這間房子應該是A可以負擔的。

可養寵、可租補、台水台電計費等各種特色房源等你來搜尋

Oxva OX Passion Strawberry Raspberry Cherry Nic Salt

OXVA OX STRAWBERRY RASPBERRY CHERRY NIC SALT E-LIQUID

Oxva’s OX Passion Strawberry Raspberry Cherry delivers an array of juicy strawberry, tangy raspberry and rich, bold cherries
Discover other Oxva’s vaping products, including their XLIM series of mouth-to-lung (MTL) pod vapes, such as the XLIM Pro and prefilled XLIM e-liquid pod cartridges. 

Specifications

  • Flavours: Strawberry, Raspberry, Cherry
  • Nicotine Type: Nicotine Salt
  • Bottle Size: 10ml
  • Nicotine Strength: 10mg & 20mg
  • VG/PG Ratio: 50/50
  • Vaping Style: MTL
  • Easy Fill Nozzle
  • Childproof Cap

Oxva’s OX Passion nic salts are conveniently packaged in 10ml bottles, providing a cost-effective refillable e-liquid alternative to a disposable, single-use vape. 

With 10mg and 20mg nicotine salt strengths available, you can quickly satisfy your cravings. Using nicotine salts provides a smoother throat hit, enhancing your overall vaping experience.

OX Passion is produced by the industry-leading hardware manufacturer Oxva. As they continue to take the vaping industry by storm, their knowledge, research, and expertise have been put to producing a range of exclusive recipes that capture an abundance of rich taste and deliver a dense feast of smooth, long-lasting, immersive flavour. 

Perfectly balanced in a 50/50 VG/PG blend, Oxva OX Passion Nic Salt e-liquids are ideally used for mouth-to-lung vaping with Vape Starter Kits and Pod Vape Kits. 

Are you new to vaping and trying it for the first time? You should check out our beginners’ guide, which simplifies vaping to its fundamentals and explains the benefits of switching to your first vape kit.

What products do you need for a good skincare routine?

Do you already have a good skincare routine? Do you use the right products and the right step-by-step plan or do you actually have no idea what you are doing? If the latter applies to you, then you have now found the right blog! Today we are going to talk about the various products you can use for an optimal skincare routine. So quickly read our blog, order the products and follow the steps so that you too can enjoy healthy and glowing skin.

Step 1: make sure your skin is clean with the right cleanser

To get off to a good start and achieve even skin, you should of course start by cleansing your skin. It is important that you use the right cleanser and fortunately we can help with this. In our range, you will find different types of cleansers that cleanse your skin properly and deeply without the risk of irritation. Highly recommended and one of our simplest cleansers is the Cetaphil Gentle Exfoliating Cleanser. Another highly recommended one from the well-known brand Fair & White is the Fair & White Cleanser Lotion So White.

Cleansing your face with the above products is the foundation for the rest of your skincare routine. It is therefore hugely important that you always start by cleansing your face properly. This is because it helps remove make-up residues, dirt and excess oils.

Step 2: calm and soothe your skin with the right toner

After you have properly and carefully cleansed your skin, it is time to smooth and soften your skin. A toner has various ingredients that repair your skin and make it smoother and fresher. It is important to choose the right toner. In fact, toners can only be for certain skin types.

Once you have chosen the right toner, apply it to your skin. With the right toner, you can feel and see the difference almost immediately. As with the cleanser, we have several toners from the Fair & White brand. A popular choice is the Fair & White Anti-Blemish Face Duo. Another popular toner is Makari’s. Choose the Makari Exclusive Toning Face Gel Duo.

Step 3: Choose an exfoliant or peel for extra hydration

Do you often suffer from dry skin? Then choose to use an exfoliant or peel several times a week. Exfoliants help get rid of impurities and add extra hydration to the skin. This gives your skin a softer look and feel and gives it a chance to get more moisture in.

There are several types of exfoliators from different brands. Yet at A&F Cosmetics, we only choose the best and these remain the Makari and Fair & White brands. Some popular exfoliators are the Fair & White Sugar Exfoliator For Face Gold and the Makari Pure Radiance Exfoliating Sugar Scrub.

Step 4: time to add a serum

Your skin is completely cleansed and clean? Check! Now it’s time to address any skin concerns with the right serum. Serums are bottles of various purposes, but they are all highly activating cosmetics products that help with dry skin. If you don’t know what to start with, we recommend starting with the Dr Rashel Brightening & Anti Aging Vitamin C Serum or the Fair & White Brightening Serum.

Step 5: eye cream for extra vitality

The skin around your eyes is very thin. It is therefore one of the first places where you start to see ageing, wrinkles and fatigue. Fortunately, there are several products that help against this. By using the right eye cream or eye drops several times a week, you will smooth and hydrate the skin around your eyes.

This reduces wrinkles and helps against ageing skin. Highly recommended is the Makari Retinol Control Line Smoothing Eye Cream. This eye cream helps boost collagen production, resulting in fewer wrinkles and rejuvenated skin. The other recommended product is the Mielle Pomegranate & Honey Blend Vitamin C Under Eye Gel Drops.

Step 6: Choose the right moisturiser for a natural glow

We have talked about moisturising several times in this blog. Your skin needs a lot of hydration and the best way to manage this is with the right moisturiser. You can find various types of moisturisers. Often, a moisturizer is used in the form of a day cream or night cream. Ideal to start or end your day with. Our favourites are the Fair & White Anti-Aging Hydra Lift Cream Gold and the Makari Caviar Enriched Soap Trio.

Step 7: use SPF and protect your skin from UV rays

The final step in your skincare routine is to use SPF, or sunscreen. The sun can do immense damage to your skin. If you do not protect your skin from UV radiation, the other steps in your skincare routine will be of little use. We therefore always recommend using an SPF product before going outside. For example, we regularly use the Cetaphil Daily Defence Moisturiser SPF 50+ and the Naturalle Multi-Action Extreme 3-pc set.

Do you still need help with your skincare or have questions about the skincare roadmap? Then get in touch with us! Easily and quickly order the right products for your skincare routine and get natural, healthy skin!

Troubleshooting Injection Molding Weld Lines

Time to read: 4 min

Weld lines in injection molding are a type of cosmetic defect that detracts from a plastic part’s appearance. In some cases, a weld line can also cause a loss of strength and impact resistance. Known also as knit lines and weld marks, weld lines are difficult to eliminate completely, especially if your injection molded part requires holes. Yet there are ways for designers to minimize the appearance of knit lines and their effects on injected molded products.

Part design is important, but the construction of the mold and the skill of the injection molder can also help to reduce weld line defects. Fictiv works with a global network of carefully vetted Manufacturing Partners and we provide quality tooling that’s also cost-effective, and our platform offers design for manufacturing (DFM) feedback when you request a quote. Keep reading to learn more about how to avoid weld marks in injection molding and create a Fictiv account to request an injection molding quote today. 

What Are Weld Lines and What Causes Them? 

During plastic injection molding, molten material flows through an opening called a gate and fills a mold cavity. The leading edge of the flow, or the melt front, may encounter obstacles such as the core pins that are used to mold holes in plastic parts. If the melt front encounters an obstacle, the flow separates and moves past it in two different streams. These streams come together again once they’ve passed the obstacle, but they might not mix. If that happens, the point of contact forms a weld line. 

Sometimes, the two flows don’t mix because some cooling and re-solidification of the plastic material have occurred. Alternatively, the flows may meet in a way that their orientation to each other doesn’t readily support mixing. As the plastic flow continues through the cavity, it mixes and becomes one melt front again, but the knit line remains near the obstruction, and issues with tooling construction or plastic processing may cause it to weaken the plastic part.

How to Avoid Weld Lines in Injection Molding 

To avoid weld lines completely, you could machine features such as holes after injection molding is complete — but that adds costs and is likely extend project timelines. If machining isn’t an option, consider how part design, mold design, and plastic processing can minimize and reduce knit lines instead. There may be some tradeoffs to consider, but Fictiv provides expert DFM feedback to support your decision-making.

Part Design 

Your choice of a color for an injection molded part can make weld lines seem more or less pronounced. That’s why when part designers ask for silver or another metallic color, Fictiv recommends painting the parts instead of adding a colorant to the plastic. Within metallic colorants, there are flakes that tend to make weld marks more prominent. Using thinner wall sections and lighter colors, such as white, can also help reduce weld mark visibility. 

For most part designs, the features that create weld lines (such as core pins for holes) are necessary and cannot be eliminated. Imagine an injection molded wheel without a hole for a fastener, or an injection molded nozzle without an opening for fluid flow. For products like these, weld lines are typically unavoidable, but changes to mold design and plastic processing can minimize their appearance or change their location so that cosmetic defects are less prominent. 

Mold Design

There are three ways to modify an injection mold design to minimize weld lines: 

  • Gating
  • Runner Type
  • Venting 

Gating

Gate location is the point where molten plastic enters the mold cavity, and moving the position of the gate can change the flow and move weld lines away from prominent surfaces. Consider an injection molded flashlight case. If the case is a box and sits flat, a designer could move the gate so that the weld line appears on the bottom of the case, where it’s less visible. 

Runner Type 

Using a mold with a hot runner system instead of a cold runner system provides greater control over the material. In a hot runner system, the plastic remains in a molten state until it flows into the mold cavity. In a cold runner system, both the runners and the mold remain at the same temperature. Ultimately, hot runner systems provide greater temperature control, which enables a skilled injection molder to reduce part defects.     

Venting 

Because weld lines aren’t always just cosmetic defects, proper venting is important. Otherwise, trapped air can restrict the flow of the material and weaken the strength of the plastic where weld lines form. This makes correct venting essential for producing good mechanical properties, and not just a clean appearance. 

Plastic Processing 

Plastic processing has two key aspects that affect weld lines.

  • Plastic melt and mold temperature
  • Injection speed and pressure 

Plastic Melt and Mold Temperature

Increasing the temperature of the metal mold or the plastic material helps reduce weld lines because hotter temperatures allow for the two melt fronts to fuse together more completely. But it’s important to keep temperatures within the recommended range of the plastic manufacturer’s material data sheet. Otherwise, plastic degradation may occur. 

Injection Speed and Pressure

Increasing the injection speed and/or pressure during injection molding causes the melt fronts to remain hotter because the mold cavity fills more quickly. This approach can shorten the length of the weld lines that appear and support better fusing overall.

Weld Line Injection Molding Help and More

A great part design is important, but having the right tooling manufacturer and injection molder are critical to the success of your project, too. Fictiv is your operating system for custom manufacturing and our technical experts are ready to help guide you through the entire injection molding process to minimize weld lines and ensure you get quality parts. 

We provide everything you need for a successful injection molding project, from DFM feedback to tooling oversight and quality assurance. To get started, create a Fictiv account and request a quote today.   

Keyword: Fyrverkerier

Multiple Colors Raschel Blanket Winter Soft Luxury Blankets

Basic Info.

Model NO.
RB001

Material
Polyester

Age Group
All People

Feature
Anti-Pilling

Type
Polyester

Knitting Method
Machine Weaved

Pattern
Flower

Usage
Home

Transport Package
Vacuum Packing+Polybag+Woven Bag

Specification
220X240cm

Trademark
DITAI

Origin
China

HS Code
63014000

Production Capacity
50000p

Product Description

                                    PRODUCTION  DESCRIPTION

 

Brands: OEM Product Name: Raschel Blanket Material: 100% Polyester Size: 150X200cm N.W:2kgs 

150X200cm N.W:2.5kgs 

180X220cm N.W:3kgs 

200X230cm N.W:3.5kgs 

200X230cm N.W:4kgs 

20030cm N.W:4.5kgs 

200*230cmN.W:5kgs 

200*230cm N.W:6kgs
customized 
Technology:  Reactive printing and dyeing Grade:  A Grade Layer:  2 Layers MOQ:  1 Set

 

 

Measuring antistick coatings applied in cooking systems

A new study aims to validate an effective methodological analysis for the characterisation of the adhesion values of antistick coatings employed in cooking systems.

The morphology and chemistry of four different industrial products were investigated by roughness measurements, electron microscopy observations and infrared spectroscopy analysis. The adhesion of the coatings was evaluated comparing various techniques, such as the surface contact angle measurements, the pull-off test and dishwashing tests.

PTFE-based systems totally uninfluenced by chemical attacks

While all the polytetrafluoroethylene-based systems turned out to be totally uninfluenced by the chemical attacks performed during the dishwasher cycles, the sol–gel coating exhibited lower performances of the applied releasing agent, before and after the mechanical degradation tests. Therefore, sol–gel coatings, despite being proposed as valid alternatives to PTFE ones, do not achieve the same quality standards in terms of releasing properties, being in addition much more sensible to degradation and loss in performances.

The study has been published in Journal of Coatings Technology and Research, Volume 19, July 2022.

Keyword: PCBA

Shanghai YININ will attend 2021 Oct China Bearing & Power Transmission Online Expo

We are pleased to announce we will attend 2021 Oct CnBearing (China Bearing & Power Transmission) Online Expo ,which is going to take place on Oct.11-15,2021. We will exhibit all our new products and live broadcast our new factory etc at that time. Look forward to meeting all new and old customers at that time.


Shanghai YININ Imp.,& Exp.,Co.,Ltd has been dealing with bearings and related parts for over 17 years which has been 12 years BearingNet Premium member with fabulous honor and credit list.The company provides one-stop service for customers, and the it has four companies for running bearing business:Shanghai YININ Imp.,& Exp.,Co.,Ltd ( marketing center), founded in 2004; CiXi YININ QC center (separate QC Center), founded in 2008; Shanghai YININ Bearing & Transmission Company (mainly produce and export kinds of ball bearings), founded in 2010 and JiangSu DaHua Bearing Manufacturing Company (produce roller bearing & QC center & warehouse), founded in 2011.



The company focuses on providing the best solutions for users. Besides meeting Chinas needs, products are exported to other countries in great numbers each year, partners from states of Holland, UK, USA, Australia, New Zealand, UAE, Poland, South Korea, India, Vietnam, Malaysia, Thailand, Canada, Brazil, Chile, Columbia, Kazakhstan, South Africa, Kenya, Sudan, Libya, etc. Core products including ball bearings, roller bearings, automotive bearings and special bearings in chrome steel and stainless steel bearings. With constant innovation, hard work, and excellence, the business has been expanding both at home and abroad. With participation in the expo, more good business opportunities will be created for the company.



Contact ShangHai YiNin Bearing:

Shanghai Yinnin Bearing & Transmission Company

Shanghai Yinin Imp.,& Exp.,Co.,Ltd

Jiangsu DaHua Bearing manufacturing Company

Office Add: 9F05, NO.2123, PuDong AVE, PuDong, Shanghai, P.R.China

Factory Add: HuangXu Industrial Area, DanTu, ZhenJiang city, JiangSu Province, China

Tel:+8621-68551627/ 58850072/ 58850107

Fax:+8621-68551629

Email: [email protected]

Website:www.ybearing.com

www.dahuabearings.com

FEIRA DA LOUCURA POR SAPATOS 2024

FEIRA DA LOUCURA POR SAPATOS: the trade show

Event profile FEIRA DA LOUCURA POR SAPATOS

  • Industries: Fashion accessories, Fashion
  • Frequency: cuatrienal
  • Scope: Nacional

Next edition FEIRA DA LOUCURA POR SAPATOS

  • From Thursday 4 to Sunday 14 April 2024
  • Venue:

  • City:
  • More info.: feiradaloucuraporsapatos.com.br

FEIRA DA LOUCURA POR SAPATOS editions

FEIRA DA LOUCURA POR SAPATOS 2024 From 4 to 14 April 2024 Novo Hamburgo
FEIRA DA LOUCURA POR SAPATOS 2023 From 6 to 16 April 2023 Parque de exposiçoes da Fenac
FEIRA DA LOUCURA POR SAPATOS 2022 From 7 to 17 April 2022 Parque de exposiçoes da Fenac

Keyword: PCBA

What We’re Reading This Week: The CES Special

Time to read: 2 min

We eat, drink, and sleep manufacturing at Fictiv. And when we’re not finding the best manufacturing technology and solutions for our customers, we’re busy learning what’s new and keeping across the latest trends. If you’re wondering what’s new in the world of manufacturing, check out our weekly insights, a quick roundup of what caught our eye.

This week is a big week for innovation. Close to 200,000 people, including almost 2,000 journalists, descended on Las Vegas for the annual tech-fest that is the Consumer Electronics Show, or CES 2020. For that reason, much of what we’ve read and watched this week has been centered around that event. Here are a few of our highlights.

  • We opened the week with our own CEO Dave Evans’ column in Forbes outlining his expectation of this year’s event and an overview of the ingredient technologies driving innovation. CES 2020: What’s Driving Innovation.
  • One of the first innovations on display at CES this week was the Samsung Ballie, presented in the first keynote of the event. This ball-shaped combination of a smart home device and a robotic companion made it to the top of Time’s “25 Best Products of CES 2020” list.
  • The Consumer Technology Association’s Innovation Scorecard is presented at CES every year, and this year a record 15 states are listed as Innovation Champions. You can see all the scores online, including the International Innovation Scorecard topped by Estonia, with the USA not far behind in fourth spot.
  • According to WIRED, Bell and Hyundai Soared into the Air Taxi Race this week at CES. Both the helicopter maker and the global manufacturing giant unveiled their concepts for flying urban mobility.
  • US Today picked out their own favorites from CES 2020, including a flying car, inkjet-printed makeup, foldable screen tablets, Delta Air Lines’ parallel reality, plant based pork from Impossible Foods, and new streaming service Quibi.
  • Away from CES, IndustryWeek writer Stephen Gold says thanks to the 2010s for Four Compelling Changes from the Past Decade, citing the Uber/Amazon/Googlization of society, AI, connectivity, and the expansion of IoT.
  • Thomas Insights shared the news that, after dedicating months to the redesign of its Max jet, Boeing has announced that it will suspend production of the controversial airplane beginning in January.
  • According to Forbes writer Marco Annunziata, 3D printing is coming of age. He touches on the remarkable progress made thus far, as we’ve gone from simple models and figurines to medical devices and implantable human body parts. Meanwhile, 3D printing technology for industry has also progressed very rapidly, and it’s arguably the space to watch closely in 2020. Read his article 2020: The Year Ahead In 3D.

That’s a wrap for this week, if you like what you see or would like to hear more about a specific topic, drop us a note on one of our social channels.