Whiskey, the age old drink for the beginners

The golden coloured liquid is the number 1 on the list of a lot of people; having it on the rocks with soda or water is what most of us relish. Everybody has their own preference when it comes to choosing the golden liquid; some prefer a stronger one while some prefer the lighter. Most of the men usually prefer having the whiskey or the favourite golden liquid at the bar. There are various brands, types, terms and ways of drinking whiskey that can be really confusing for someone who has just started having whiskey.

What exactly is whiskey? It is the term that is given to distilled spirits; scotch, rye and bourbon are the different types of whiskeys that are similar in taste but are different because of the grain that is used to make them; the location where it was distilled and its time period is all that makes these three types differ from each other. The most common question in the mind of a beginner is that where should he/ she start from? See it is quiet confusing and reading whisky anmeldelser would not really help much. Irrespective of the type of whiskey you are trying it is important to talk to someone who knows something about whiskey, so that you can start with a light whiskey in the beginning.

Whiskey guide for beginners

If all your efforts are going in vain and you are unable to make a choice then. Here are a few facts that can help and guide you in choosing the right whiskey.

  • The subtypes of whiskey : Being a beginner it is important to know that whiskey also has its subtypes; there is the single malt which is the most common and it is made from mixing whiskey at the distillery, its age is the youngest and it is the most common type of whiskey that can be found at the bars. Then the second subtype is the single cask whiskey; which is distilled from one single cask, this kind of whiskey is found in distilleries which are quite small or are sold by major novelty brands. Third subtype if of the blended whiskey, which is made from blending all the same type of whiskey together; Johnnie walker is purely blended whiskey. From all these subtypes being a beginner it is better to start with a single malt, as it can help you judge what you like.
  • The way of drinking  : Now that you are sure about the type and the subtype it is important to know that there are various ways of having whiskey; so you need to figure that for yourself. The four main ways of having whiskey are:
  • Have it neat : A lot of people prefer having neat whiskey as it is considered to be the purest way of drinking whiskey. The main reason for this is to taste the distilled spirit the way it is; but still being a beginner one should not try having neat whiskey because you will surely start hating it.
  • With water : This is considered to be the best way of having whiskey; for beginners especially this is considered to be the best way. Having whiskey with eater can help you enjoy tour drink and you would also enjoy having it.
  • On the rocks : A lot of whiskey lovers like to have their whiskey on the rocks; though a lot of people are not in its favour but a lot of people who enjoy having ice cold whiskey can have it on the rocks.
  • Cocktail : Another way of having whiskey is by mixing it with another drink as a cocktail. For having it as a cocktail one should never use a high ended whiskey.

So rather than referring to the whisky anmeldelser it is better if a beginner follows these basic guidelines.

Things to know about drinking whiskey

For whiskey beginners here are a few helpful tips:

  • It is said that the older the better, but it is nothing like that. It totally depends upon the taste of a person; a whisky that is young can taste fruity while the older one can be a lot complex in taste. The longer the scotch is kept in the cask the more the flavour; the colour of the whiskey also depended on the cask. So there is nothing as older the better.
  • It looks best in tulip glasses- Whiskey should always be served and had in tulip glasses rather than the large tumblers. The tulip glasses help in capturing the aroma of the whiskey.
  • One should not swirl the whiskey- Swirling can lead to the loss of the taste of the whiskey and the aroma which is why it should bit be swirled.
  • Room temperature- It is better to serve the whiskey at the room temperature with tap water; that is only if you prefer having it with water. In case you prefer cold whiskey then you can have it with ice, but it is better to have it at room temperature.
  • Beginner malt- First beginners should start with the malt and then move to the expensive one. It is better to start with a malt to get a hand of the taste of whiskey.

Some of the best types of whiskeys that one should definitely try are:

  • The bourbon
  • The Tennessee whiskey
  • Rye whiskey
  • Scotch
  • Irish whiskey
  • Canadian whiskey

These are some of the best types of whiskeys that one can try, these are some of the best ones, if you feel the need to know more about them ask somebody who drinks whiskey rather than going on the whisky anmeldelser that are given online.

Whiskey is a great drink for those who are beginners and are new to drinking, but always keep in mind the guidelines given for a great drinking experience. One should take their times, start slowly and then go ahead with the blended whiskey.


The Plethora of Low Interest Moneylenders for Personal Loans

Introduction:
Singapore is an open global market with lots cash flow and a free market system which enables people to invest highly with minimum risk involved. In another advantage, banks have made affording personal loans hassle free with low interest rates and an approval processing only of a few hours or a couple of days. The customers are provided with debt protections and credit card debt albeit high interest rates. On the other hand, there are many other private organizations who are so called moneylenders willing to provide loans to anyone who approaches them. The process is really simple and brisk, all through with just a bare minimum of 30 minutes of processing time. According to the Singapore Ministry of Law, there are about a 160 licensed money lenders with 5 more who are currently suspended.

Concept of Moneylenders:
These money lending organizations usually target individuals who are facing difficulty in acquiring loans from bank who require a considerable amount of credit statement to issue a loan along with collateral. In addition to this, banks even require the individual to prove the ability to pay back and thereby often reject the applications of low income. Many individuals who are trapped in this situation, moneylenders become the benefactor by providing personal loans to pay for an emergency. In these cases, moneylenders demand a high interest rate which maybe anywhere between 4-5 times higher than bank rates which is helped by the desperation of loan. Another factor to be taken into account, is the stipulated time for the repay along with the interest which burdens the individual into further debt in case of a mishap. One has to search extensively to find low interest moneylenders for personal loans in Singapore but thanks to the licensed moneylenders who come to rescue.

Moneylending Organizations and Interest Rates:

The interest rates vary as per the sum of the loan and the period but are considerably much higher than the credit card or a personal loan from the bank. The government has put a cap on the interest rates at 4% which still raises a lot of eyebrows around. Therefore, one must be vary and cautious of the fact that repayment to a moneylender is far more expensive and excruciating as opposed to a bank. The banks focus on people with credit history and don’t entertain personal loans for people who make less than S$20,000. The moneylenders target and lure the latter and offer small size loans which limits their cap to a quarter less than your pay check whereas a bank can offer 2-6x of your pay check. It is due to the fact that moneylending organizations are much smaller than banks and can’t afford a very risky credit profile. This helps small size money lenders to make loans extremely quickly while the personal loans in banks are competitive and efficient as they are made available within 24 hours of application. This speed still pales in the face of the nimble work that licensed moneylenders operate with. Some of the reputed licensed personal loan moneylenders with lowest interest in Singapore are:

  • Horison
  • Credit21
  • Katong Credit
  • U-Credit
  • Cash Express

Services and Facilities by Various Moneylenders:
All these are reputable and known moneylenders who serve their client’s need with utter care and provide reliability. The prominent advantage of borrowing money from reputable moneylenders is low interest rate as instituted by the state along with fast processing, simple requirements and debt consolidation. As well as, they ensure efficiency and transparent transactions on display to maintain healthy relationship with their customers. Credit21 offers one of the lowest interest rates and also provide loans for not only small amounts but also for asset purchasing or school fees. These personal loan moneylenders with lowest interest have designated portals where applications are sent and follow-ups are taken from the customers for the service required. Some of the lenders have designed plans and packages to suit the needs of different types of customers accordingly and have flexible repayment options. Finding a loan as a foreigner might be difficult but moneylenders offer secure and privatised loans with adequate amount of security on charge. Some of the companies also charge a minimum processing fee before you obtain their services and one needs to be vary to compare all the prices and figure the best deal. Credit33 is another licensed moneylender which offers loans at interest as low as 1% per month and provide help in case of emergencies.The minimum period of repayment is about 6 weeks and the maximum being 12 months at minimum annual percentage at 1.20% and maximum at 48%. A graph plotted between the interest rates charged by various sources of loan shows a clear demarcation of moneylenders leading the bar with 4% which may rise in private organizations.

Factors to be considered in Choosing a Moneylender:
As there are innumerable moneylenders out there who are both state authorised and others under the cover, it is extremely important to find the right lender specifically for the purpose. One may be perplexed as they encounter similar services offered by numerous moneylenders and find it hard to decipher among them. It is advisable that you go through the terms and conditions of the moneylender which states the amount, interest rate and the repayment plan. One must choose a flexible moneylender and offers the terms that are more in favour of your financial needs. The next is to ensure checking the charges applicable for different moneylenders before choosing a particular one. Also keep a close eye on the reviews, customer satisfaction, its license and the reputation which the low interest personal loan moneylender in Singapore bears apart from the plans it offers.

Conclusion:
There are also other personal loan options such as credit card debt, bank personal loan, pawn shops which are way cheaper and affordable than such moneylenders. It is strongly suggested to opt for bank loans unless you have no access to such facilities. It is also possible to consider borrowing a few hundred dollar from a relative or a family member over a moneylender but you must be extremely coherent if that’s your last resort. Although they are regulated and licensed by government, it is important to reconsider borrowing from such organizations. The highly liberalised banks and the banking system prevalent in Singapore promotes good deals at personal loans and although they are competitive, one can easily give a shot at banking loan. There are only a few handful of personal loan Singapore lowest interest moneylenders, but are really efficient and pro-customer in nature.