These are the alternate links of some of the best blogs over the net....so do visit...you will love them all...
First is treasures4all...(it is my blog...and is getting high traffic and people are loving it...do visit...)
http://adf.ly/3nHV
Second is adagepoesy...it a blog where all the best poems and latest information about gadgets, poems and various arts are posted...stay tuned to it...
http://adf.ly/3nHd
third is ecstasyhome...you will definitely love ecstasyhome...
http://adf.ly/3nHh
Fourth and the most lovely is best photos...
http://adf.ly/3KTo
Fifth is...best online games...
http://adf.ly/3nHk
Sixth is ...best online sites...these are the sites which are alluring people through out the world...
http://adf.ly/3nHm
Tuesday, July 6, 2010
Tuesday, June 29, 2010
A lovely collection of photos...
While searching through the internet i have visited a blog and get fond of it...It contains some fabulous collection of photos. The collection at this blog is superb...so you also visit this blog and watch these photos...you will definitely love them all...
my-bestphotos
the alternate link is http://adf.ly/3KTo
my-bestphotos
the alternate link is http://adf.ly/3KTo
Sunday, June 27, 2010
Need an Insurance Broker?..Just look right Here...
Many people get great deals on their insurance without ever even talking to an auto insurance broker. Many people think that it just isn't possible to get a good insurance quote without going through a broker.This thought, however, is wrong. Here are a couple of things that might help you to decide if you should use a broker or not.
An auto insurance broker
will save you time. One reason that many people still use brokers is because they do not have time to shop around for insurance themselves. They hire a broker who can take their information and find the best rate for them.
A broker will save you money. An auto insurance broker is going to have inside information what is going on with different insurance companies. It is there job to know about the best deals. An auto insurance broker is a sure fire way to save money on your insurance rate.
A broker will also cost you money. A broker is not going to give you this inside information for free. They are going to charge a fee for their services. Sometimes, the fee that they charge will cancel out the savings that they can get you.
If you do have the time, however, it might be a good idea for you to skip over the broker step. Many people are saving money by shopping for their own insurance on the internet. Almost all insurance companies have websites that allow customers to shop for rates. There are even comparison websites that allow people to compare many different companies at the same time.
So should you use a broker? If you do not understand insurance policies
, and do not have the time to do the research, then a broker is a good idea. However, if you can spend the time to find your own rate, you will be able to find your cheapest option....
An auto insurance broker
will save you time. One reason that many people still use brokers is because they do not have time to shop around for insurance themselves. They hire a broker who can take their information and find the best rate for them.
A broker will save you money. An auto insurance broker is going to have inside information what is going on with different insurance companies. It is there job to know about the best deals. An auto insurance broker is a sure fire way to save money on your insurance rate.
A broker will also cost you money. A broker is not going to give you this inside information for free. They are going to charge a fee for their services. Sometimes, the fee that they charge will cancel out the savings that they can get you.
If you do have the time, however, it might be a good idea for you to skip over the broker step. Many people are saving money by shopping for their own insurance on the internet. Almost all insurance companies have websites that allow customers to shop for rates. There are even comparison websites that allow people to compare many different companies at the same time.
So should you use a broker? If you do not understand insurance policies
, and do not have the time to do the research, then a broker is a good idea. However, if you can spend the time to find your own rate, you will be able to find your cheapest option....
Mortgage Rates In India ...
The top players in this industry are housing finance companies, commercial (local as well as foreign) banks, cooperative banks and other non-banking financial companies (NBFCs). Presently Housing Development Finance
Corporation (HDFC) is the market leader followed by State Bank of India (SBI). The Industrial Credit and Investment Corporation of India (ICICI) Bank and the Life Insurance Corporation (LIC) Housing Finance Limited also have significant market share. The industry sources has reported that, 8 to 10 percent of the market share that foreign-owned banks have in the industry, Citibank has 5 percent share, followed by Standard Chartered and HSBC with about the 3 to 5 percent.
The Mortgage Financing industry was estimated approximately at US $ 18 billion in India. The mortgage industry is undergoing a change as the market is dominated by banks in the direct housing finance sector. Though the housing finance industry in India is growing for the past few years still financing through the organized sector continues to account only for 25% of the total housing investment in India (Source: LIC Housing finance).
The formal mortgage finance sector continues to elude the lower income groups. The twin problems of affordability and accessibility that hinder the progress of housing in South Asia need to be addressed. For this, governments have to withdraw from direct participation in the housing and housing finance sector and instead need take on the role as facilitators to create the enabling environment to encourage private sector capital. Further efforts of the government are required to strengthen foreclosure laws, land records need to be computerised and archaic land laws especially rental laws need a complete overhaul. Small steps such as encouraging credit bureaus, introducing mortgage insurance, allowing real estate mutual funds and creating a favourable environment to facilitate foreign direct investment in housing will help stimulate the housing finance sector. The road is long but not untenable.
Corporation (HDFC) is the market leader followed by State Bank of India (SBI). The Industrial Credit and Investment Corporation of India (ICICI) Bank and the Life Insurance Corporation (LIC) Housing Finance Limited also have significant market share. The industry sources has reported that, 8 to 10 percent of the market share that foreign-owned banks have in the industry, Citibank has 5 percent share, followed by Standard Chartered and HSBC with about the 3 to 5 percent.
The Mortgage Financing industry was estimated approximately at US $ 18 billion in India. The mortgage industry is undergoing a change as the market is dominated by banks in the direct housing finance sector. Though the housing finance industry in India is growing for the past few years still financing through the organized sector continues to account only for 25% of the total housing investment in India (Source: LIC Housing finance).
The formal mortgage finance sector continues to elude the lower income groups. The twin problems of affordability and accessibility that hinder the progress of housing in South Asia need to be addressed. For this, governments have to withdraw from direct participation in the housing and housing finance sector and instead need take on the role as facilitators to create the enabling environment to encourage private sector capital. Further efforts of the government are required to strengthen foreclosure laws, land records need to be computerised and archaic land laws especially rental laws need a complete overhaul. Small steps such as encouraging credit bureaus, introducing mortgage insurance, allowing real estate mutual funds and creating a favourable environment to facilitate foreign direct investment in housing will help stimulate the housing finance sector. The road is long but not untenable.
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