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How does Debt Work?

How does Debt Work?

Every debt has a cost. In order for you to handle debts correctly, you must first know what the cost of incurring a debt. Let us look at the most common kind of debts.

Relatives/Friends Debt

This debt is usually the cheapest. If you are lucky, you can even score an interest free debt. But this kind of debt is not free because it is the debt that you must pay off unless you do not mind cancelling the relationship. This debt is the cheapest but the most common reason why people fall out.

Bank/Financial Institution Debt

This is the most common type of debt. Provide the banks or financial institutions with your financial statements and if it seems healthy enough, you get a loan. The cost is usually between 5-12% per annum of the amount loaned. You will usually need to be the guarantor of the loan. If your business goes bust, the lawyers can still seize your personal assets.

Supplier Debt

This is usually for businesses with inventory. You get a loan of 30 - 90 days from your supplier in the form of goods. This is the best kind of loan because it is interest free and it generates immediate cash flow for you. However, such debt can turn bad if you cannot turnover the inventory within the credit period.

Black Market Debt

The worst debt to go into but the easiest to obtain. These debts cost really high. Sometime even up to 200% per annum. However, it is the most easy to obtain. No documents required at all. Alas, if you can't pay the debt off, the method of debt recovery can be unconventional.

How to make debts good?

Making a debt good is extremely straightforward. You must invest the debt and the returns must be more than the cost. So for example:

I borrowed $100 for the cost of $15. I bought a handbag with the $100 borrowed and resold the handbag for $130. So after paying off the initial debt plus cost of debt, I have $15.00 left. So that $100 debt was a good debt because I made $15 from it. Now take this at a larger scale and that's how most affluent people get rich! 

Now look at bad debt. Same thing, I borrowed $100.00 at the cost of $15 and I used the money on my own handbag. I am now $115.00 in the red. Now take this at a larger scale and you will understand why the world is losing the battle against debt.

Any kind of debt can make you rich. Sadly, majority of people in the world use debt for expenses instead of investment. Hence, the world is seeing more and more people owing money. It is never too late. Start learning how to make debts work for you and everything will change. 

If you are a business owner and is neck-deep in debts, consult us and we can teach you to make debts work for you.

 

Popular Skate Shell Sizing

Popular Skate Shell Sizing

We are getting more and more skaters looking to improve and enhance their ride. Skaters are now using custom liners to increase comfort, support and performance. They need to know the exact shell size of the boot to better fit their liners into the skate. All website usually states the size together with the stock liners. This information will help many find the correct shell size for their liners.

A = The length from tip to tip of the boot

B = The length of the widest part of the boot

C = The length of the narrowest central part of the boot

D = The height of the lowest point of the boot 

E = The length of the heel 

Length is measured with a measuring tape and we did rounding to the nearest 0.5cm.

POWERSLIDE NEXT SHELL SIZING

SIZE (EU) A (cm) B (cm) C (cm) D (cm) E (cm)
36-37 25 8.5 6.5 14 5.5
38-39 26 9 7 14.5 6.5
40-41 27 9 7.5 15.5 6.5
42-43 29 9.5 7.5 16 7
44-45 30 10 8 16 7
46-47 32 10 8 17 7
48-49 34 11 8.5 17 7.5

 

ROLLERBLADE RB SHELL SIZING

SIZE (US) A (cm) B (cm) C (cm) D (cm) E (cm)
5 25.5 9 7 14 6.5
6 26.5 9.5 7 15 6.5
7 27 9.5 7 15 6.5
8 27.5 9.5 7.5 16 6.5
9 29 10.5 8 17 7
10 30 10.5 8 17 7
11 31 11 8.5 18 7.5
12 32 11 8.5 18 7.5
13 33 11.5 9 18.5 8

 

ROLLERBLADE TWISTER EDGE SHELL SIZING

SIZE (US) A (cm) B (cm) C (cm) D (cm) E (cm)
5 / 5.5 24.5 8 6.5 15 5.5
6 / 6.5 26 8.5 6.5 15.5 5.5
7 / 7.5 27 9.5 6.5 16 5.5
8 / 8.5 28 10 7 16 6
9 / 9.5 29 10 8 16 6.5
10 / 10.5 30 10.5 8 17 7
11 / 11.5 31 11 8.5 17 7.5
12 / 12.5 32 11 8.5 17 7.5
13 / 13.5 33 11 8.5 18 8

Best 3 Wheel Inline Skates to buy this year

Best 3 Wheel Inline Skates to buy this year

Again, we are listing the best 3 wheel skates to buy this year. Skating is again gaining popularity. People are throwing on a pair of skates and hitting the parks and streets once again. 3 Wheel Inline Skates are the way to go forward now. Bumpy and rough roads will not hinder us no more. Let's dive right in!

Rollerblade Twister 3WD 110mm

Twister Edge 110 3WD is a highly-versatile urban skate with 3WD technology. Molded boots, anatomical fit and a sole designed with an Anti Torsion Box increase the control. Aluminum plates and lateral sliders are built-in with 3WD frame rigidity, adding power transfer and control. 110 mm Hydrogen wheels paired with ILQ-9 bearings provide advanced grip and speed. A v-shape liner provides ventilation, extra cushion and shock-absorbing padding in the heel. The secure closure system includes micro-buckles and lacing; 3WD brake is optional. Twister Edge is an excellent combination of fit, support and maneuverability for every urban skater.

FEATURES:

• HIGHLY-VERSATILE MOLDED SHELL - Created for the urban, fitness, commute and recreation

• ENHANCED WRAPPING - Molded support with a V-cut cuff for added flexibility with slalom skating

• FIRST FIT HIGH-PERFORMANCE LINER - Shaped ankle heel lock padding, First Fit tongue and instep wrap, heel shock absorber, cuff buckle, micro-adjustable buckles and lace closure system

• MAXIMUM POWER TRANSFER - Anti Torsion Box in the sole and aluminum plates in the shell ensure frame/shell connection is rigid; frame can be upgraded to 3WD 110

• ELITE-PERFORMANCE HYDROGEN WHEELS - 110mm/85A wheels made in USA with proprietary urethane formula for ultimate performance, less vibration and excellent wear; Twincam ILQ-9 Classic Plus bearings maximize speed

Rollerblade Maxxum 125

Rollerblade Maxxum Edge 125 3WD Inline Skates. Maxxum-ize your experience. The Maxxum has the lateral support of an urban skate, the comfort of a recreational skate and the speed and performance of a cross-trainer. A favorite of the Skate to Ski program, it can be skated leisurely, be used for city skating and/or for intense training.

Molded plastic shells merge support and durability, with the high speeds of Hydrogen 125mm wheels. Premium Liners with Active Airflow footbeds and shock absorbers. Expect a snug-fit that will break-in around foot for a precise and responsive ride (runs small - recommended you order 1/2 size larger than shoe).

Extruded Aluminum Frames ; 125mm 85A Wheels ; TwinCam ILQ9 Brake in Box

Rollerblade RB 110 3WD

The Rollerblade RB110 3WD Skates for Men are part of Rollerblade's redefined 3-wheel skates being offered for the current year. The RB boot is a popular choice for its great fit, durability, and low cost, so the addition of the 3WD 110mm frames add even more value without limiting the skates potential. The 3WD setup enables more control and decreases the overall effort needed, making it easier for the skater and creating a more enjoyable experience. The molded shell is vented and paired with a V-Cut cuff to enhance mobility, while removable lateral sliders help improve boot durability. The Training 5 Star Fit Liner is great for comfort and when combined with the Training Footbed, offers excellent response and support. Shock absorbing padding has also been added to improve comfort all around.

Outfitted with Rollerblade Supreme 110mm wheels and SG7 bearings, you can expect high-end performance, without the high-end price tag.

Powerslide Next 100 Skates

Make the city your playground with the NEXT Series. The Powerslide NEXT Core Black 100 with its minimalistic yet modern design can handle any urban adventure you throw at it. What's more, it comes with TRINITY technology and allows you to switch between different frame setups. Coming as standard with 100mm Spinner wheels, Wicked ABEC 9 bearings and the Elite casted frames. Large sizes from 46 up to 47 come with a larger frame fitting max. 110mm wheels. This setup offers it all, from especially comfortable to extremely sporty, the perfect skate for the urban jungle.

Trinity Casted Aluminum Frames ; Spinner 100mm 88A Wheels ; ABEC9 No Brake - Compatible with HABS SM/MD

Powerslide Next 110 Skates

Powerslide NEXT Arctic Grey 110 Skates look incredible in Arctic Grey. At 110mm, it can skate distance, but also has the strength and response to take on slides, stairs, jumps, etc...

The Powerslide Next Arctic Grey 110 skate offers all you expect from a modern skate: an awesome look, high quality parts and craftmanship, great performance and superior comfort. The heat moldable MYFIT Recall Dual Fit liner with its memory fit padding provides this little bit of extra comfort that makes you feel great from the very first stride and wants to let you skate longer with more pleasure. The boot offers plenty of unique custom options. Adjusted the cuff height or cant the cuff, get more forward flex by cutting the wings of the shell, adjust the length of your cuff wing if needed or check out one of several lacing options to either get more flex and more support when skating. The setup is made for easy cruising as well as for thrilling action - a rigid and stiff Elite casted and CNC machined aluminum frame as well as fast and grippy Spinner 110mm / 88A wheels and high smooth running Wicked ABEC 9 bearings perfectly match to deliver pure skating pleasure. Next Arctic Grey 110 - What else do you need to enjoy skating?

Trinity Casted Aluminum Frames ; Spinner 110mm 88A Wheels ; ABEC9 Brake Not Included- Compatible with HABS S/M Brakes

Powerslide Next 125 Skates

Powerslide NEXT Megacruiser 125 Skates package speed, maneuverability and versatility. NEXT boots use Trinity Mounting. Two winged mounts under the ball of the foot adds power at pushoff and stabilitiy. It also creates a channel for the wheels, lowering the skate for better control. Being a triskate, 125mm wheels fit onto frames that are just 10" in length. The center wheel being directly under the foot, and short frame length makes skating easier, allowing more people to enjoy the benefits of large wheels (fast and smooth).

Cuff height is adjustable on one or both sides. MyFit Recall Fit Liners naturally mold with skate time (or can be heat molded at 175F). The shell can also heat mold to eliminate pressure points (175F), although liners make it so that it most often not needed. Compatible with any Trinity Mount frame, you can quickly go from an urban skate, to even an SUV!

Trinitiy Casted Aluminum Frames ; Infinity 125mm 86A Wheels ; ABEC9 Brake Not Included- Compatible with HABS LG/XL

Powerslide Swell 125 Skates

Powerslide SWELL FIREFLY 125. A bold new take on modern fitness skating. The Powerslide SWELL FIREFLY 125 is a revolutionary inline skate specially designed for intense fitness training. This skate features our anatomically shaped shell with flex cuts in the ankle area and RECALL fit with memory foam to provide superior comfort and maximum support. The new upper combines our stretchable and ventilated second-skin power knit upper with welded TPU reinforcements to increase responsiveness and stability. The highly abrasion resistant TPU material protects the toe and side panels against falls and wear and tear increasing the lifespan of the skates to endure even the most demanding trainings. TRINITY mount with 3 fixation points will help you reach new levels of performance. This skate features a light and strong Powerslide Elite 10.0” – 255mm aluminum casted frame, Powerslide Swell 125mm/83A bullet profile wheels and Wicked ABEC 9 bearings. The new ratchet top buckle with micro adjustments allows for an easier and more secure cuff lock while reducing weight and giving a more sportive look to the skate. A Height Adjustable Brake System (HABS brake) is included in the box. Extra MYFIT skatesole and MYFIT Archsupport are included for fit customization and people with ‘problematic feet.

Powerslide Swell 110 Triple Black

Powerslide SWELL Triple Black 110. Sleek silhouette with advanced features. The Powerslide SWELL Triple Black 110 features all the new technical standards from the SWELL collection, a reworked shell with flex cuts, RECALL memory Padding, new slimmer softer cuff and TRINITY X mount for further frame alignment options. The upper made out of our new breathable mesh with TPU welded reinforcements to reduce volume and increase durability. Including Powerslide Elite casted AL frames, new Powerslide SWELL UHR compound wheels and fast and reliable Wicked ABEC 7 bearings. A height adjustable brake system (HABS brake) is included inside the box.

Powerslide Swell 110 Metallic Black

Powerslide SWELL METALLIC black 110. The World’s favorite fitness skate, now better. The Powerslide SWELL METALLIC BLACK 110 is a revolutionary inline skate specially designed for intense fitness training. This skate features our anatomically shaped shell with flex cuts in the ankle area and RECALL fit with memory foam to provide superior comfort and maximum support. The new upper combines our stretchable and ventilated second-skin power knit upper with welded TPU reinforcements to increase responsiveness and stability. The highly abrasion resistant TPU material protects the toe and side panels against falls and wear and tear increasing the lifespan of the skates to endure even the most demanding trainings. TRINITY mount with 3 fixation points will help you reach new levels of performance. This skate features a super light and strong Powerslide Elite 9.6” – 243mm magnesium casted frame, UC by Matter 100mm/86A bullet profile wheels and Wicked ABEC 9 bearings. The new ratchet top buckle with micro adjustments allows for an easier and more secure cuff lock while reducing weight and giving a more sportive look to the skate. A Height Adjustable Brake System (HABS brake) is included in the box. Extra MYFIT skatesole and MYFIT Archsupport are included for fit customization and people with ‘problematic feet’.

Powerslide Swell 100 Aquamarine

Powerslide Swell Aquamarine 100 Trinity Skate. For the fitness trainer wanting flexibilitiy to skate open trails and tighter locations, using one skate, without sacrificing performance. The light magnesium frames reduce fatigue on long, straight sessions. But if choosing a tighter location, short 9.1" frames have agility and the abiltiy to get up and down from speeds with ease. What type of skate are you going to choose today? Height-Adjustable Brake System (HABS) allows brake pad adjustment to prolong pad life or to set to engage as preferred. Glass-fiber reinforced plastic surrounds the entire base of the boot, allowing the Power Knit uppers to fasten securely all around the foot. Together this creates a snug, comfortable, responsive fit that limits boot stretch for better power transfer. Pressure points in the shell can be heat molded away (175F), but with new added flex cuts in the cuff it unlikely you'll need to.

Trinity mounting has two winged mounts under the ball of the feet, and creates a channel for the wheels to recess under the boots. The lower center of gravity, added stability and increased power at pushoff is changing the landscape for inline skates.

Magnesium Frames ; 100mm 86A Wheels ; ABEC9 Bearings HABS Brake S/M

Top Skates to buy below SGD200

Top Skates to buy below SGD200

During the Covid-19, many people are going out to exercise. And after running for 2 weeks, people are starting to realize that running is taking a toll on the knees. 

Inline skating has become popular again due to this. So many people want to ease back in to the sport without burning a big hole in the pocket. Also, most are also unsure about the duration of interest in the sport. So here is the top 10 skates (not in any type of sequence) that will fit right into your budget without having to compromise on budget.

The Zetrablade is lightweight and comfortable straight out of the box. The reason why this model is so popular is because of the fit and the user friendliness. It has extra support on the ankles to help you skate better.

K2 leads the way with soft boot technology. The Fit and Alexis 80 is aesthetically pleasing to the eye and it is extremely comfortable. The comfort alone makes skating fun and painless.

Another K2 model. Probably the lightest skates on the list. Great roll time and easy to skate with. Comfort again is one of the best in the market. Price is also one of the cheapest on the list. 

Powerslide is becoming an important brand across all genres of skating. This beginner model is not exactly beginner. It has a aluminium frame to increase speed and power. Furthermore, this model is really low to the ground to increase stability. The most customisable skates on the list.

The cheapest hard boot skate in the list. Hard boot give more protection to the ankles and give skaters more options of skating disciplines. The Zoom one 80 is great for point A to B skating too. The price is really good too. Does not come with brakes.

Okay, this pair is a little bit above $200.00 but it has to make the list. Low to the ground and great bearings makes skating enjoyable. It comes with aluminium frame too. 

Buying Powerslide Next 80 Core Skates

Buying Powerslide Next 80 Core Skates

 Review of the Next 80 Core by Powerslide.

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