Author: Jane Murray

Different types of cotton fabrics

There are four main types of cotton which are well known all over the world. These types are derived from the different ranges depending on the places they are grown. Below are some of the types outlined; 

  • Pima cotton- this is a type of cotton that has long fibers. It is a resistant type to fraying, tearing, pilling and fading. Its quality can be known through touching, seeing and feeling. It is more durable as compared to other types. It has fibers that can be 1.4 to 2 inches long. It also has a longer life expectancy which is over 50% according to the manufacturers. The cotton is majorly grown in cool areas as it marvels in temperature ranging from cool to wet.  Pima cotton is regarded as the most expensive cotton type due to its quality. 
  • Upland cotton- this is the most used cotton in the world. It is the most staple cotton as it is used to make a variety of cotton related goods. It has short fibers which are of medium quality. Its products are relatively affordable in everyday life as it is less expensive as compared to Pima cotton. It is grown in  a temperature range of 28-32°C. It can also grow in optimal temperatures but is affected in temperature more than 40°C.  
  • Egyptian cotton- this type of cotton has extra-long fibers. It is resistant to most of pest and diseases as it marvels in harsh conditions. It is mostly grown in the deserts of Egypt which is of a hot and dry climate. It is vibrant and soft in nature and is mainly used in making heavy clothing. It is also pleasant to sensitive skins and that makes it a taste for many users. During harvesting, it’s usually handpicked because their quality can be easily affected when a harvesting machine is used. It has a higher thread count as compared to all other cotton types and this makes it the best in terms of quality and usage. 
  • Acala cotton- it has a fiber length of around 28-30 mm. it also resembles the upland cotton types and is mostly grown in the Southwest parts.  It is mainly grown as a commercial cotton type in the Southwest. 
  • Supima cotton- it is a highly quality cotton fabric made from Gossypium barbadense. It is one of the softest and strongest cotton fabrics in the whole world. It takes the form of Pima cotton but the only difference is their methods of productions and certifications. It also has long fibers which extends its quality. It resists wrinkling and tear just as the pima cotton. 

In summary, there are many different types of cotton fabrics derived from different cotton plants. This is seen due to their difference in quality and production rates and ratios click here for rope

Tips on How to Maximize Benefits From Cash Advances

When faced with an emergency, you may find yourself running out of options on where to borrow money from. Sometimes you may not require a lot of money and therefore obtaining a long-term loan may not be viable. Cash advances may be the only available option for you depending on the circumstances. However, you should be very careful before applying for that short term loan. You do not want to borrow and later find yourself unable to pay.  How can you maximize benefits from cash advances? 

Here is the deal: 

 Plan for your money: Never apply for a cash advance blindly; otherwise you may end up borrowing more or less than you need. The first thing to do is to identify the problem. Define the emergency you have at hand and how much money you have. Determine your deficit, and then establish the available lenders. The bottom line here is to borrow the amount of money you need and use it for the appropriate purpose. 

If you have a credit card, use a complex PIN if possible and change it frequently: Avoid using a PIN that can be easily manipulated such as birthdays or motor vehicle registration numbers. Credit cards are vulnerable to hackers who can experiment with your PIN until they get it. As you visit your ATM for withdrawals, change your PIN often to secure your account. 

Go for cheaper options: Remember that many cash advances such as credit cards are costly.  Some facilities are more expensive than an overdraft. You may approach friends and relatives to advance cheaper loans. Negotiate the interest rates and repayment period. If you are employed, salary advance could also be a cheaper option. 

Minimize the frequency of cash advances 

There is a tendency to cultivate a habit of short term borrowing owing to the speed and convenience of the process. However, if you are honest with yourself, you should borrow on need but not for the sake of it. If you borrow so often, you end up paying so much and maybe you could do without it. 

Avoid using cash advances for business purposes: The ultimate goal of your business to make a profit. One of the best ways to achieve this is to reduce operational costs. Interest rates on cash advances have an impact of reducing profits. You should plan your business in such a way that it is self satisfactory. 

Avoid using your credit card in a foreign country: When you are traveling abroad and you need to withdraw some money using your credit card, do it before leaving. Foreign cash advance transactions usually attract high fees. 

Pay your loan fast: The sooner you pay your loan, the cheaper it will be for you. 

Cash advances are not usually a bad option. It all depends on how you optimally utilize the facility and how best you manage the funds. How you benefit from the loan depends on how you intend to use the funds and how fast you can repay. If you do not have the borrowing discipline, avoid borrowing. If in doubt, talk to a financial expert who may advise you accordingly. 

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