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Boxing is on the rise with streaming giants now broadcasting major fights and heavy investment from Saudi Arabia reshaping the sport. But for boxers facing money or health problems out of the ring, help is not always easy to come by. As File on 4 Investigates discovers, some in boxing are now working towards a unified approach across the sport, which would help fighters throughout their careers, but can they make it work?

Reporter: Kal Sajad
Producer: Ashley Kennedy
Additional research: Clive Hammond
Technical Producer: Cameron Ward
Production Co-ordinators: Ellis Goodwin & Tim Fernley
Editor: Tara McDermott

Details of organisations offering help and support for the issues raised are available at bbc.co.uk/actionline

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Aggregate washing plays a key role in producing clean, saleable materials for construction, concrete, and asphalt. Whether you are working in quarrying, mining, or recycling, the right washing setup can make a real difference to output and product quality.

One of the biggest decisions operators face is whether to buy new equipment, invest in used plant, hire machinery, or contract the work out altogether. Each option has its place. The right choice depends on your workload, budget, and long-term plans.

Understanding Your Project Demands

Before making any decision, it helps to look closely at your workload. Is the washing requirement part of a long-term operation, or is it tied to a short-term contract?

If you are running a fixed quarry with steady production targets, owning your own washing plant may make sense. You have full control over throughput, maintenance schedules, and product specifications.

On the other hand, if you have won a contract for a limited period, hiring equipment or contracting the washing work can reduce financial risk. There is no large capital outlay, and you are not left with equipment that may sit idle once the job is complete.

Seasonal demand also plays a part. In some sectors, work can fluctuate. Hiring or contracting allows you to scale up or down without long-term commitment.

The Case for Buying New Equipment

Buying new aggregate washing equipment gives you access to the latest design improvements and efficiency gains. Modern washing plants are built with better water management systems, improved wear protection, and easier access for maintenance.

For businesses with a consistent pipeline of work, new plant can be a sound long-term investment. You know the full service history from day one, and warranties provide added peace of mind.

However, buying new requires significant upfront capital. For smaller operators or companies testing a new market, that cost can be hard to justify. There is also the question of lead times. Manufacturing and delivery can take months, which may not suit urgent projects.

The Role of Used Plant in Today’s Market

Used aggregate washing equipment remains popular, particularly for operators looking to control spending. A well-maintained second-hand plant can offer strong performance at a lower price.

The key is knowing what you are buying. Inspection, service records, and support from a reputable supplier matter. Without them, hidden wear or outdated components can lead to downtime.

Used plant works well for businesses expanding capacity without stretching budgets too far. It can also be a practical choice for satellite sites or smaller operations where top-end output is not required.

That said, used equipment may not offer the same efficiency or water-saving features as newer models. Over time, operating costs can rise if maintenance demands increase.

Why More Businesses Are Choosing to Hire

Hiring aggregate screening and washing equipment has become more common across the minerals and construction sectors. The main reason is flexibility.

When you hire, you gain access to modern machinery without tying up capital. This allows you to respond quickly to new contracts or changes in workload. If a project grows, additional equipment can often be added. If work slows, machines can be returned.

Hiring can also reduce maintenance concerns. Many hire agreements include servicing support, which keeps the plant running while allowing your team to focus on production.

For companies entering a new area of work, hiring provides a way to test demand before committing to purchase. It lowers the financial risk while still delivering the capability required on site.

The Rise of Contract Washing Services

An increasing number of operators are choosing to contract out their washing requirements altogether. Instead of buying or hiring equipment, they bring in a specialist team to supply, operate, and maintain the washing plant.

This approach shifts responsibility away from the quarry or site owner. The contractor manages setup, compliance, maintenance, and output targets. For many businesses, this frees up internal resources and simplifies project management.

Contract washing can be particularly attractive for short to medium-term projects, high-clay sites that require tailored solutions, or locations where in-house expertise is limited.

It also offers predictable costs. Rather than dealing with unexpected repair bills or downtime, you work to agreed terms that reflect production volumes or project duration.

Weighing Up Cost Against Control

At the heart of the decision is a balance between cost and control. Buying equipment, whether new or used, gives you full ownership and long-term availability. It suits established operations with steady demand.

Hiring provides flexibility and lower upfront cost, making it ideal for variable workloads or growing businesses. Contract washing goes one step further, removing much of the operational responsibility from your team.

There is no single answer that fits every quarry, mine, or construction project. The best choice depends on how often the plant will run, how confident you are in future workloads, and how much responsibility you want to carry in-house.

By reviewing your production plans and speaking with experienced equipment suppliers, you can find a solution that supports both your immediate needs and your long-term goals.

As search evolves with AI overviews, generative results and zero-click SERPs dominating 2026, marketers and agencies continue debating between Semrush and Moz Pro — two veteran platforms that remain staples for SEO professionals. Semrush, the all-in-one digital marketing suite, edges ahead in breadth, data volume and AI visibility tracking, while Moz Pro holds ground with simplicity, lower entry pricing and strong domain authority metrics.

Both tools updated interfaces and added AI enhancements in late 2025 and early 2026, reflecting industry shifts toward prompt tracking, LLM visibility and generative engine optimization (GEO). Recent head-to-head reviews from DemandSage (February 2026), Style Factory (January 2026) and Seologist (February 2026) highlight Semrush as the overall leader for professional teams, agencies and growth-focused users, while Moz appeals to beginners, small businesses and those prioritizing crawl limits and affordability.

Keyword Research and Database Size

Semrush maintains the world’s largest keyword database at over 27.9 billion keywords, dwarfing Moz’s 1.25 billion. This gap translates to deeper suggestion volume, more accurate difficulty scores and better long-tail discovery. Semrush’s Keyword Magic Tool delivers millions of ideas per seed term, with advanced filters for intent, questions and AI Overviews visibility. Moz’s Keyword Explorer offers solid fundamentals — search volume, difficulty and priority scores — but caps suggestions (often around 1,000 per query on lower plans) and lacks Semrush’s real-time trend depth.

In 2026 testing, Semrush shows 89% correlation to actual ranking difficulty, outperforming Moz in predictive accuracy for competitive niches. Both track rankings, but Semrush supports more keywords per project (up to thousands on higher tiers) and integrates AI prompt visibility (ChatGPT, Perplexity, Google AI Overviews), a feature Moz offers only in basic keyword intent form.

Backlink Analysis and Authority Metrics

Moz edges Semrush slightly in backlink index size (45.8 trillion vs Semrush’s 43 trillion+), and its Domain Authority (DA) remains a trusted third-party metric despite criticism for volatility. Semrush counters with Authority Score (AS), which factors trust flow, citation flow and more, often producing different results from DA or Ahrefs’ DR. Reddit discussions in early 2026 highlight ongoing debates: same domain may show low AS but strong DA/DR, reflecting different weighting.

Semrush excels in link-building workflows — prospecting, outreach templates, toxic link detection and historical data — while Moz focuses on cleaner, easier-to-interpret link explorer views. For agencies managing outreach at scale, Semrush’s CRM-style tools and API access provide an advantage.

Site Audits, Technical SEO and Crawl Limits

Semrush crawls more pages per project on mid-tier plans and offers deeper technical audits, including Core Web Vitals integration, log file analysis and mobile performance checks. Moz provides generous crawl limits even on lower plans (e.g., 100,000 pages/week on Standard), making it less restrictive for large sites early on.

Both deliver actionable fix lists, but Semrush’s On-Page SEO Checker and Content Analyzer integrate AI suggestions more aggressively.

AI and Emerging Search Features

Semrush leads decisively in 2026 with dedicated AI Visibility tracking across ChatGPT, Perplexity, Google AI Overviews and traditional SERPs. Users monitor brand mentions in generative responses, prompt performance and LLM citations — critical as zero-click and AI-driven search grows. Moz offers limited keyword-based AI intent research but lacks comprehensive tracking.

Pricing Comparison (2026)

Moz remains more affordable at entry level:

• Starter: $49/month (new 2026 plan, ideal for one site)
• Standard: $99/month
• Medium: $179/month
• Large: $299/month
• Premium: $599/month

Semrush structures pricing around toolkits or the flagship Semrush One (combining SEO + AI Visibility):

• Pro: $139.95/month
• Guru: $249.95/month
• Business: $499.95/month
• Semrush One Starter: $199/month
• Pro+: $299/month
• Advanced: $549/month

Annual billing saves 15-20%. Moz wins for solo users or small budgets; Semrush justifies higher cost for agencies and multi-channel teams.

User Ratings and Verdict

Semrush averages 4.6/5 across 2,300+ reviews (Capterra, G2), praised for depth but critiqued for complexity. Moz scores 4.5/5 from 349 reviews, lauded for usability but seen as less comprehensive.

Verdict: Semrush wins for most professional use cases in 2026 — larger data, AI tools, PPC/social integration and scalability. Moz suits beginners, budget-conscious users or those needing simple, crawl-heavy workflows.

Both offer free trials: Semrush 7-14 days, Moz 30 days. Test both to match your workflow.

Singapore ranks among the most expensive cities on the planet, and unexpected bills don’t wait for payday. That reality pushes thousands of residents toward digital borrowing options every month.

But when you type “loan” into a search bar at midnight, how do you separate a trustworthy online money lender from a scam? The question matters — getting it wrong can mean harassment, spiraling debt, or stolen personal data. The answer comes down to regulation, due diligence, and knowing exactly what you’re signing.

This guide breaks down what Singapore borrowers actually need to check before accepting a single dollar from an online loan provider — starting with one non-negotiable: make sure you’re dealing with a licensed money lender registered under the Ministry of Law.

How Do Online Loans Work in Singapore?

The process is straightforward, which is part of the appeal.

A borrower visits an online money lender’s website or app, fills out a digital application form, and uploads the required documents — typically a NRIC, proof of income, and recent bank statements. The lender reviews the application (often within the same day), and if approved, presents a loan contract with the terms spelled out: principal, interest rate, repayment schedule, and fees.

Once both parties sign, the funds are disbursed directly to the borrower’s bank account. Most online loan applications in Singapore take between one and three business days from start to finish — significantly faster than a traditional bank personal loan, which can stretch to a week or more. For many borrowers, this speed is the primary reason they look beyond banks in the first place.

The speed and convenience come with a trade-off, though. Interest rates from licensed moneylenders are higher than bank rates, capped at 4% per month under Singapore law. That makes these loans better suited for short-term needs than long-term borrowing.

Are Online Loans Safe and Legal in Singapore?

Short answer: Yes — but only if the lender holds a valid licence from the Ministry of Law.

Singapore regulates moneylending through the Moneylenders Act (Cap. 188) and its subsidiary rules. Every legitimate online money lender must be listed on the Ministry of Law’s official Registry of Moneylenders. This registry is publicly accessible, and checking it takes under a minute.

What a licensed lender is required to do by law:

• Charge no more than 4% interest per month
• Cap late interest at 4% per month on overdue principal
• Limit total fees (including interest, late interest, and administrative charges) to the loan principal — meaning you can never owe more than double what you borrowed
• Provide the borrower with a signed copy of the loan contract
• Operate only from an approved business address

If an online loan provider cannot produce a licence number, doesn’t appear in the registry, or contacts you through SMS/WhatsApp spam — that’s an unlicensed lender, and engaging with them carries legal and financial risk for both parties.

What Are the Real Risks of Borrowing Cash Loans Online?

Even with proper licensing, borrowing carries risk. Here’s what Singapore borrowers should watch for.

Overborrowing and debt stacking. Because cash loans online are quick to access, some borrowers take multiple loans from different lenders simultaneously. Under Singapore’s borrower-based credit limit framework, individuals earning under $20,000 annually can borrow up to $3,000 across all licensed moneylenders. Those earning $20,000 or more can borrow up to six times their monthly income. Exceeding these limits shouldn’t be possible with licensed lenders — but borrowers who turn to unlicensed sources to fill the gap face serious consequences, including criminal liability under the Moneylenders Act.

Overlooking the total cost. A 4% monthly interest rate doesn’t sound alarming until you calculate it over six months or a year. A $5,000 loan at 4% monthly interest repaid over 12 months results in total interest of $2,400 — nearly half the original amount. Always calculate the effective annual rate before signing.

Unlicensed lender traps. The Moneylenders Registry exists for a reason. Unlicensed operators — often called loan sharks or “ah long” in Singapore — are not bound by legal fee caps and routinely use harassment and intimidation to collect. The Singapore Police Force actively investigates these operations, and borrowers are encouraged to report them.

How to Identify a Trustworthy Online Money Lender

Before submitting any personal information to an online money lender, run through these verification steps:

Registry check. Search the lender’s name on the Ministry of Law’s list of licensed moneylenders at mlaw.gov.sg. If they’re not listed, stop there.

Physical address. Licensed moneylenders must operate from a registered premises. A lender with no verifiable address — or one that conducts business exclusively through messaging apps — is a red flag.

Transparent contract terms. A trustworthy lender will present all costs upfront: interest rate, administrative fees, late payment penalties, and the total repayable amount. No legitimate online loan contract should contain blank fields or vague language about charges.

No upfront deposits. Licensed moneylenders in Singapore are prohibited from collecting any fees before disbursing a loan. If someone asks for a “processing fee” or “deposit” before you’ve received funds, it’s a scam.

Reviews and track record. Check Google Reviews, Trustpilot, or local forums. While no review platform is perfect, a pattern of complaints about hidden charges or aggressive collection practices tells you what you need to know.

Who Should Consider Online Loans and Who Shouldn’t?

When borrowing cash loans online makes sense:

You’re facing a genuine short-term emergency — a medical bill, urgent car repair, or temporary income gap — and you have a clear repayment plan within one to three months. You’ve confirmed the lender is licensed, you understand the total cost including all fees, and you’re not already carrying debt from other moneylenders.

When it doesn’t:

You’re borrowing to cover regular monthly expenses with no plan to break the cycle. You’re already repaying one or more existing loans. You haven’t compared the cost against alternatives like a bank personal loan, credit line, or even a salary advance from your employer. In these situations, an online loan adds pressure rather than relieving it.

The distinction is simple: borrow because you have a plan, not because you have a panic.

Skip the Trust, Demand the Receipts

Trust is earned through documentation, not marketing copy. A legitimate online money lender in Singapore will always point you to their licence, their contract, and their registered address — and they’ll do it before asking for your NRIC. If a lender can’t produce those three things without hesitation, the answer to “can you trust them?” has already been given.

This article was written by

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