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About Cabling Installation & Maintenance

Our mission: Bringing practical business and technical intelligence to today's structured cabling professionals

For more than 30 years, Cabling Installation & Maintenance has provided useful, practical information to professionals responsible for the specification, design, installation and management of structured cabling systems serving enterprise, data center and other environments. These professionals are challenged to stay informed of constantly evolving standards, system-design and installation approaches, product and system capabilities, technologies, as well as applications that rely on high-performance structured cabling systems. Our editors synthesize these complex issues into multiple information products. This portfolio of information products provides concrete detail that improves the efficiency of day-to-day operations, and equips cabling professionals with the perspective that enables strategic planning for networks’ optimum long-term performance.

Throughout our annual magazine, weekly email newsletters and 24/7/365 website, Cabling Installation & Maintenance digs into the essential topics our audience focuses on.

  • Design, Installation and Testing: We explain the bottom-up design of cabling systems, from case histories of actual projects to solutions for specific problems or aspects of the design process. We also look at specific installations using a case-history approach to highlight challenging problems, solutions and unique features. Additionally, we examine evolving test-and-measurement technologies and techniques designed to address the standards-governed and practical-use performance requirements of cabling systems.
  • Technology: We evaluate product innovations and technology trends as they impact a particular product class through interviews with manufacturers, installers and users, as well as contributed articles from subject-matter experts.
  • Data Center: Cabling Installation & Maintenance takes an in-depth look at design and installation workmanship issues as well as the unique technology being deployed specifically for data centers.
  • Physical Security: Focusing on the areas in which security and IT—and the infrastructure for both—interlock and overlap, we pay specific attention to Internet Protocol’s influence over the development of security applications.
  • Standards: Tracking the activities of North American and international standards-making organizations, we provide updates on specifications that are in-progress, looking forward to how they will affect cabling-system design and installation. We also produce articles explaining the practical aspects of designing and installing cabling systems in accordance with the specifications of established standards.

Cabling Installation & Maintenance is published by Endeavor Business Media, a division of EndeavorB2B.

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The Difference Between Fixed and Variable Interest Rates

By: iCrowdNewswire

Finance is a complicated topic. Registered investment advisors (RIAs) go to school for years and then take a series of exams before they can become registered. Certified financial planners (CFPs) do complex math on spreadsheets while the rest of us figure out how to use a loan payment calculator. They’re professionals. Most consumers aren’t on the same level.

Thankfully, there are some finance topics that are easy to explain, like fixed and variable interest rates. Most adults have paid both at some point in their lives and may not realize it.

Credit card companies charge variable interest and most personal loans and mortgages do not. In this article, we’ll explain what the difference is and how it affects the consumer.

 

Fixed interest rates on personal loans and mortgages

A fixed interest rate is a rate that is set at the inception of a loan and doesn’t change during the repayment term. Let’s say the loan is for $5,000 at a 10% fixed rate for five years. Repayment for that loan is made in sixty equal monthly installment payments. Amounts for those payments are fixed at the beginning because the interest rate remains constant.

The same concept can be applied to mortgages, but the repayment term is typically much longer than with a personal loan. Most mortgages are fifteen, twenty, or thirty years. Fixed interest is calculated annually and added to the monthly payment, along with any fees or charges from the lender. This combination is known as the annual percentage rate or APR.

Fixed interest rates are good for the borrower if rates are expected to rise. During the 2020 pandemic and the following months, interest rates were near zero. Anyone who bought a house during that time is now paying significantly less than what buyers are paying now. The Federal Reserve Bank has been steadily raising interest rates in 2022.

 

Variable interest rates on credit card balances

Credit card companies charge a variable rate of interest on outstanding balances owed. That’s a good reason to pay off those balances in full every month. If the prime interest rate is high, the credit card interest payment will be increased. The terms and conditions of the credit card contract should clearly state how they calculate it each month.

Lenders and mortgage companies also offer variable interest rates, which may not be good for the consumer. Adjustable-rate mortgages (ARMs) were primarily responsible for the financial crash of 2008. They’re attractive because the rate is lower at the beginning of the term. Problems arise when interest rates increase, and the monthly payments increase.

 

The Bottom Line

Having a fixed rate of interest and monthly installment payments that don’t change makes budgeting simpler. Variable interest rates can be like playing the lottery. There are wins, and there are losses. That’s okay for a short-term personal loan. It’s risky when taking out a thirty-year mortgage. Fixed-rate mortgages are safer and far more popular.

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Contact Information:

Name: Michael Bertini
Email: michael.bertini@iquanti.com
Job Title: Consultant

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