Issue link: https://maltatoday.uberflip.com/i/706995
42 Events maltatoday, SUNDAY, 24 JULY 2016 Great gifts for students from Banif Bank STUDENTS following post- secondary or tertiary education, and who are in receipt of a sti- pend, can now benefit from Banif Bank's Campus Package, a finan- cial package devised around the needs of students going through their study years. The package includes new at- tractive instant and additional gifts that are much sought after by youngsters. Realising that every student has their own individual style, goals and needs, Banif has tailored an all-inclusive experience. This year's theme – A Bank that's right for me – empha- sises the fact that students who are embarking on their study journey need a bank that will be with them eve- ry step of the way. Exclusive financial bene- fits of the Campus Package include premium interest rates on the campus current account; bonus interest rates on the Campus Flexi Term Ac- count, free Visa Debit Card for access to funds anywhere in the world and for easy and safe online or local shopping, a fee-free Visa Classic Credit Card with a credit limit of €1,000 for over 18-year- olds with complimentary travel insurance and purchase protec- tion cover, preferential rates on personal loans which can be used to fund a multitude of projects and purchases, with an option of a moratorium of up to five years, free internet banking, free stand- ing orders, and preferential rates on foreign exchange. Through this year's promotion, students are eligible to receive a free instant gift upon opening a new account, in addition to great items like fashion vouchers, gadg- ets and a cash deposit once the first stipend direct credit is made. This package is ideal for those seeking a flexible, convenient ap- proach to banking while enjoying preferential rates on saving solu- tions and financial options. On opening a Campus Account with Banif students may choose one of the following free instant gifts: a Verbatim Store'n'Go 16gb USB, or a Philips mini optical USB Mouse plus headphones and mic. Additionally, students can choose from great gifts on direct credit of their first stipend into their account - €50 voucher rom Zara, Urban Jungle, The Point or Terranova, Manhattan freestyle wireless bluetooth headphones, Freecom bluetooth speaker with built-in mic and powerbank, Ma- gellan Smart sport watch with bluetooth and pedometer or a Bear Grylls Explorer bluetooth portable outdoor speaker, all from A to Z Electronics. Banif Bank is also offering an option of a €40 cash deposit in the student's campus account. "Today's students have a lot to keep up with," said Rueben Bezzina, head of retail banking at Banif. "Our Campus Package is intended to make their lives easier by empowering them with the options to man- age their funds efficiently, whilst also giving them ac- cess to preferential saving and borrowing options – all whilst offering some top of the range gifts. "Once students complete their studies and are ready for the next step, Banif 's Graduates Package can help them get their projects and plans off the ground," he said. Students are encouraged to reg- ister their interest on the bank's website students.banif.com.mt and find out more by visiting Banif 's Facebook page. They may also contact Custom- er Care on 2260 1000 or custom- ercare@banif.com.mt, or visit any Banif branch. Why you need a real estate agent THE invention of social media sites that allow you to find pro- spective property buyers or sell- ers has inevitably been a game changer in the real estate world. However, in a time where find- ing a property is more or less one click away, a real estate agent such as Coldwell Banker is more necessary than ever, and here are some reasons why. Negotiating between a buyer and a seller is a lot of work, in fact, people do it as a full time job. One full time job is enough to handle, let alone two, so let Cold- well Banker help. Coldwell Banker will not only find you a list of properties that meet your criteria, but they will handle all the tedious roles such as receiving/answering queries about the property and setting up meetings which fit both of your busy schedules. Coldwell Banker will also han- dle the negotiations, acting as a messenger who can help calm any rough seas and keep things from becoming too personal. If these reasons aren't enough, real estate agents are licensed professionals who are bound by common law to a fiduciary rela- tionship which will act in your best interest. Coldwell Banker will make sure that your prop- erty is being handled in a way that adheres to all rules and reg- ulations required when buying a property. They will hold your hand through every step and make sure that your home owning/ selling journey will cause you the least stress and inconvenience possible. For more information you can visit our website www.Coldwell- Banker.com.mt or send an e-mail to info@ColdwellBanker.com.mt Your petrol station might be in need of an upgrade ARE you a forecourt operator in- terested in increasing your reve- nues? Fritz Energy can help you. With its range of turnkey servic- es, Fritz can assist you in imple- menting the necessary changes that will allow you to achieve the improvement needed as well as comply with the norms as set by both Maltese and EU compli- ance requirements. We offer you a thorough con- sultancy where we share our extensive knowledge and expe- rience on the matter; we give you the right kind of support in selecting the correct technol- ogy for your station and we walk you through the whole process, starting from the initial plan- ning and ending with a fully op- erational facility. Our list of services ranges from turnkey refurbishment solutions, technology upgrades and customer-centric aftersales services. Fritz Energy's ultimate aim is to help its clients achieve their targets and carry out pro- jects that are not only in accord- ance to the set standards and norms, but are at the same time profitable. For more information, you can visit our website w w w.FritzEn- ergy.com, send an e-mail to rbu- suttil@FritzEnergy.com or call Robert on +356 7979 7055 Datasheets give your customers better value W HY are datasheets so important any way; what other information can one expect to find in them? Generic, long dry docu- ments which manufactur- ers publish may seem to be large amounts of infor- mation not worth reading, especially so to people who have experience and know how. But these all too common attitudes, justifications and assumptions so often lead to product failures; months or years down the track; and sometimes even after a very short time following project completion. It is always advisable to read the entire data sheet. Special at- tention should be given to infor- mation related to: Preparation. Application. Theoretical Yields. We often buy a product and are eager to get the job done and miss on good preparation. This is the most important phase since it serves as the founda- tion of any applied system. More often than not, the preparation should take as long as; if not longer than, the application. Other important information that one should look for is about the application of the product. Is it possible to dilute? If so, what should it be diluted with? Some chemicals and even water can damage the properties of certain products. Never assume that thinners are across-the-board diluters. Which tools should one apply the system with? A lit- tle extra time reading could save you a lot of time during applica- tion by answering these ques- tions. Information that is very often missed is that on the 'Yield '. How many kilos or litres per metre squared is required to achieve the best results? The yield is a very important factor in achiev- ing a system that ref lects its specifications and works to opti- mum expectation. Some suppli- ers may at times take ad- vantage of customers' lack of product yield knowledge in order to present to them a cost advantage over the competition. The cus- tomer would simply com- pare price per volume of competitive products and thus fail to understand that should the product be applied as per yield speci- fication, the cheaper prod- uct is similar in price if not more expensive. For best results At Flock Image, we believe in giving our customers the op- portunity to achieve the best results possible. All our data- sheets clearly list the product properties as well as Typical use, Preparation, Application, and Product Yields. Our ser- vice includes thorough product information and on-site advice. And for those who are handy and wish to save on labour cost, we also offer DIY service and support. For more information kindly contact Nick Atkinson on tel. (+356) 99457139 or at nick@ f lockimage.com or Renald Attard on tel. (+356) 77459700 or at sales@f lockim- age.com