Instalment payments – Avarda overdraft facility
Pay for your purchases flexibly in monthly instalments. The credit is provided by Avarda Bank AB, Finnish branch.
- Credit limit: €1,000–6,000, subject to credit approval
- Payback period: up to 48 months – you choose
- Interest rate: variable, 15 % + reference rate (currently totalling 17.5 %)
- Account management fee: €0–5 per month
- Minimum monthly instalment: 8 €
- You can pay off your loan at any time without incurring any additional charges
- One payment-free month is possible, provided payments have been made on time for 4 months
- Requirements: you must be of legal age, have a regular income from employment or a pension, and be able to verify your identity using your online banking credentials
Sample calculation
A purchase of €1,000, repayment period 12 months, nominal interest rate 17.5 % (15 % + reference rate 2.5 %) and an account management fee of €5 per month:
monthly instalment 96,44 €, the total cost of the loan 157,31 €, total amount payable 1 157,31 €, the actual annual interest rate 31,72 %.
Please note! Taking out a loan comes at a cost.
Credit is granted on the basis of an approved credit decision. The reference interest rate is reviewed on 1 January and 1 July. Further terms and conditions: Avardan’s credit terms and standard European consumer credit information (PDF)
An inexpensive but quality-feeling ”no frills” flash shoe that allowed me to attach the microphone to the Smallrig's side handle and to the side enough to keep the video monitor out of the way.
A good shoe for attaching accessories. The product is a cold shoe, so it is not even meant to attach lightning bolts. Cold shoe not for use in the field
You can attach it to the Smallrig frame with a centre screw, but there is no place for small screws in the frame. But it still works in my use.
The product completely ignores the spring-loaded spikes at the bottom of the flash units. In order for the spikes to push in nicely when the flash is inserted, there must be a bevel on the edge of the flash shoe. The flash will go in without the bevel (which is what this coldshoe lacks), but you need force. And to release the flash, you need the same force. Then you don't even want to get a good grip on it. Personally, I needed a screwdriver and a wooden spoon for this release. It was a small miracle that the flash remained in working order.
So now I have to file the edges of the things I've bought. Which should have been done at the manufacturing stage. It's a shame.