Month: November 2023

Surf Foiling: Surfing With a Foil

Posted on November 27, 2023 in Outdoors

Foil surfing is a new type of surfboarding that involves adding a hydrofoil to your surfboard. It is much harder to learn than traditional surfing but offers an exhilarating ride once mastered.

Foil surfing has become popular after Kai Lenny blew up the internet with footage of him gliding and hopping on small, non-breaking waves. Foiling opens up a new range of locks for surfers and is incredibly fun to watch from the beach. For more information about surf foiling, click here.

How it works

surf foilingIt combines hydrodynamics and Newton’s third law (for every action, there is an equal and opposite reaction). The curved top surface of the front wing accelerates water molecules under it and generates upward lift. The rear wing counteracts this lift with its opposite profile and angle.

Foil surfers can ride waves that would otherwise be impossible because the foil absorbs much of the wave’s power, allowing riders to sit comfortably on the board. Foils can also catch crumbly small waves and even ride straight from the beach without requiring any ‘monkey pumping’ to generate speed.

Having the right equipment to start surfing is essential, especially if you want to avoid hurting yourself or others. You’ll need a surfboard that can handle the extra stress of a hydrofoil, a foil system, and a suit (we recommend a helmet for beginner surfers). If you fall off your foil, you’ll also need a leash, life jacket and possibly a second pair of shoes to wear on the beach.

Techniques

When learning foil surfing, levelling up your regular surfing skills first is essential. Foils require a completely different approach to the water and can be extremely dangerous with the sharp blade of the hydrofoil in action. Foils, especially the heavier metal ones, are capable of inflicting serious injury if they hit a surfer or swimmer in crowded surf. For more information about surf foiling, click here.

Small crumbly waves offer the best learning opportunity when ready to start foiling. The key is to keep the foil low in the water to create lift. Then, once you have the hang of this technique, you can begin to hop/glide and cut back.

Foils made for surf can pump much better than other foils because they don’t lose energy to friction in the water as regular boards do. This makes connecting a multitude of waves more possible. Pumping is the repetitive motion of shifting weight from foot to foot on your foil board to generate thrust.

Equipment

The most essential equipment for foiling is a surfboard that can take off on small waves. You also need a hydrofoil, which can be retrofitted to your regular board or ordered from a specialist. Foiling requires a lot of balance and fitness. You’ll need to paddle efficiently and not shake the foil.

Foils are sharp, and a collision with them can cause injury to the rider and nearby ocean users. It’s crucial to know your location and the depth of the water. Foilers can reach high speeds and may be challenging to see, which could pose a risk for other ocean users.

The best conditions for foiling are a consistent wind of about 18-25 mph, flat water, and no chop or waves. It’s essential to avoid extensive reefs and crowded breaks. Instead, search for spots that provide a soft and crumbly wave to practice on. This will help you level up your surf skills while minimising risks. For more information about surf foiling, click here.

Safety

While foil surfing has opened new ways of riding waves and enjoying the ocean, it carries certain risks. The hydrofoil fin (not a blade, mind you) should not be messed with, especially by an inexperienced surfer.

Foils have long, sharp wings that can cut marine life in half and are equally dangerous to humans. If a surfer loses control and comes down on the foil, it’s a lethal weapon able to inflict severe injuries.

That’s why it’s essential to wear a full wetsuit, impact vest or helmet and to practice foiling only in a safe environment. Foiling behind a boat or jet ski can be a great way to get used to the foil, board, and mast movements. Starting with a short mast and small crumbly waves is also good. That way, you avoid getting dragged by your equipment, and the initial, often brutal wipeouts are minimised.

Online Shoe Store: How Online Shoppers Find Shoes

Posted on November 9, 2023 in Clothing and Shoes

Oh_Hi shop is an ideal solution for shoppers on a tight budget. Most sites allow returns, providing consumers with peace of mind should something not fit correctly or they change their mind about buying it.

Before opening an Oh_Hi shop, take steps to organise your finances by calculating operating costs, breakeven point and profit margin. It will enable you to predict monthly figures and targets accurately.

  1. Zappos

Oh_Hi shopZappos shoes are an outstanding example of how online shoppers can find shoes that suit them perfectly. Their wide variety of styles and sizes and no-hassle 365-day return policy make searching easy!

Zappos also prides itself on cultivating an environment of service for its customers and employees, including free meals, nap rooms, wellness services and professional development opportunities for its staff.

Nick Swinmurn, the founder of Zappos, became disenchanted with visiting shoe stores that either did not carry his desired brands or charged exorbitant prices for items in poor condition. So he launched his online shoe store – Zappos – and sought to win customers over with excellent customer service and an engaging company culture. In 2009, Amazon purchased Zappos for an astounding $1.2 billion!

  1. 6pm

6pm is an online shoe outlet store where you can find top brands at discounted prices. Their extensive collection features apparel, shoes, bags and other accessories from popular fashion lines, making this place worth visiting for bargain hunters!

The website also provides a helpful size guide that allows customers to select items suitable for their body types, which can be particularly helpful if unfamiliar with a brand. Furthermore, daily sales begin daily at specific times.

Content on the 6pm website includes text, graphics, logos, page headers, button icons, images, audio clips, software and all other material (collectively referred to as “Content”). It is owned and protected by United States and international copyright laws; you may only use this material with explicit written consent from 6pm and agree not to display or use its trademarks, service marks or proprietary information in any publicity or promotion activities without written approval.

  1. Go Jane

Go Jane was an online fashion retailer that offered fashionable yet cost-effective apparel and accessories for women. While no longer operating, similar websites such as PrettyLittleThing, Forever 21, ASOS and Boohoo still provide similar styles at comparable prices.

According to Sitejabber, reviews of GoJane are mostly positive, with most customers indicating they would recommend shopping there. Furthermore, studies often highlight customer satisfaction with GoJane shoes, dresses and boots being available in sizes hard to find elsewhere online fashion retailers.

Go Jane provides more than clothing and footwear – they also carry an impressive selection of bags and accessories such as backpacks, totes, crossbody bags and clutches for women. Their shoe selection spans flats, heels and sneakers of varying styles, including popular trends such as over-the-knee boots and velvet shoes.

  1. Shoes.com

Shoes.com is an online shoe store specialising in shoes for men, women and children of all ages. Oh_Hi shop users can refine their search based on shoe type, brand and price range, and colour style size to find their ideal pair of footwear. Reviews for Shoes.com vary among customers, with many complaining of poor customer service issues regarding credit card transactions and shipping and restocking fees that they impose for returned merchandise.

Nothing is more frustrating than ordering a beautiful pair of shoes online, patiently waiting for them to arrive at your doorstep and realising they’re the wrong size. It can be due to a variety of reasons, including weight fluctuation, swelling, health issues and pregnancy.

The key to finding the right shoe is measuring your feet and comparing them to online sizing charts. You can also look at customer reviews to find out if a particular brand tends to run small or large.

However, even when you’re sure of your foot size, it can still be difficult to find a good fit when shopping for shoes online. That is because shoes can have different sizing standards, such as US, UK and EU sizes. Providing high-quality images and detailed information can help reduce this gap between virtual and real-world products. In addition, a reliable return policy can increase consumer confidence. It can lead to more purchases and a better experience overall.

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Non bank Lenders NZ: The Rise of Non-Bank Lenders in the Mortgage Industry

Posted on November 2, 2023 in Business

Non-bank lenders are often seen as more susceptible to economic volatility, and interest rate rises than banks due to not holding customer deposits themselves and instead relying on costlier sources of capital for capitalisation. This perception stems from them not having deposits themselves and instead using less cost-effective sources as sources for funds.

However, non bank lenders NZ still face strict regulatory scrutiny and must adhere to the same laws as banks. Furthermore, they often offer faster loan applications and quicker access to funds than traditional banking options.

They are smaller in size.

non bank lenders NZNon bank lenders NZ tend to be smaller, removing layers of bureaucracy and speeding up decision-making processes. Furthermore, non-bank lenders can often offer more flexible products and pricing structures that enable them to capture market share – giving borrowers additional choices and increasing chances to finance homes that don’t satisfy traditional lending criteria.

Non-bank lending institutions (NBLEs) can serve as an attractive source of alternative credit. These non-banks issue government-backed loans to people who may not qualify for traditional bank loans and offer more flexibility than mainstream lenders that often demand large deposits and impeccable credit histories from applicants.

However, their global expansion could create instability. It is because these banks rely more on wholesale funding sources that may not be as immune from shocks; furthermore, they tend to take on riskier loans than traditional banks and could become conduits of shock transmission.

They are more flexible.

Non bank lenders NZ stand to benefit directly from tighter bank credit, but also face new and potentially severe regulatory risks. Therefore, they must make informed and prudent decisions regarding who they lend to and where they operate in order to reduce exposure risk.

Nonbank lending processes tend to be faster than bank ones, and approved borrowers can receive their funds immediately. They can use them in any way that helps their business expand, and there are no spending stipulations attached to these loans, allowing borrowers to form lasting banking relationships and mutually beneficial partnerships.

However, non-banks tend to exhibit more pronounced flight home effects than banks do and are less likely to access public backstops due to relying on wholesale funding can be more sensitive to price changes than retail deposits – making them more vulnerable in domestic markets than banks are.

They are more likely to lend to borrowers who traditional banks might reject.

As banks tighten their loan criteria, non-bank lenders are filling the void. With access to resources, expertise, and risk appetite necessary for lending from non-bank sources – not banks – non-bank lenders provide fast, hassle-free customer experiences; modern borrowers don’t want to waste time waiting in line at a branch or sitting on hold while their application is assessed.

However, these trends can present non-bank lenders with difficulties. Some are more likely to lend money to high-risk borrowers and maintain less diverse lending portfolios – this increases the risk of default during an economic downturn.

They are more likely to issue government-backed loans

Nonbank lenders have seen rapid expansion due to tighter regulation and innovative lending models such as consumer finance companies, asset-based lenders and fintechs. These nonbank lenders provide customised loan products designed for specific industries or customers and flexible credit approval procedures than their bank counterparts.

This box examines whether non-bank lenders exhibit the “flight home” effect – where lead arranger banks reduce syndicated loans for foreign borrowers more than domestic ones during financial crises in their home countries. Analysis is performed at both lender-borrower country levels using quarterly versions of our sample for loans with this effect.

Since the financial crisis, non-bank lenders like Quicken Loans have been carving out a larger share of the government-sponsored enterprise (GSE) mortgage market. They’re able to obtain loans more quickly than traditional banks by bypassing some of the regulatory requirements that are in place for large bank lenders.

Nonbanks are also able to offer loans that the big banks would typically shun, such as FHA loans for those with lower credit scores. These types of loans can help people buy homes that a conventional mortgage loan might otherwise deny.

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