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.
Saturday, June 26, 2010
Types Of Mortgage Loans...
Fixed Rate Mortgage Loan
A fixed rate mortgage loan is a mortgage loan in which the interest rate remains the same from the day you take out the loan until the day you pay it off. It is among the safest type of loan you can take. A fixed rate mortgage loan is good if you know you will be living in your home for a long time and you don't have to worry about your payment ever increasing. The biggest advantage is the fact that your interest rate will never change. A disadvantage is that many may find it difficult to come up with the huge down payment that is usually required. Another downside is if the lender reduces its rates, you will end up paying a higher rate for the fixed period. The rate on a fixed rate mortgage loan is generally higher than an adjustable rate mortgage loan.Adjustable Rate Mortgage Loan
An adjustable rate mortgage loan is a mortgage loan where the interest rate is occasionally adjusted based on a specific index. It is usually made to finance or refinance real estate and is secured by a lien on your property. An adjustable rate mortgage loan is know as an ARM for short. It is initially significantly lower than a fixed rate loan but may adjust up to 2 percentage points per year reaching a fixed cap over and above the fixed rate.An FHA Mortgage Loan
An FHA loan is a loan made by a federally qualified lender and insured by the Federal Housing Administration. It is a home mortgage that allows for a purchase or refinance with a low down payment. An FHA loan is perhaps one of the easiest mortgages to obtain because the requirements are extremely flexible, and the down payment is very low. It is excellent for someone who has less money to put down, and someone who has large debt or whose credit is poor.A VA Mortgage Loan
A VA loan is a loan that is guaranteed by the Department of Veterans Affairs, or VA. It is available only to veterans and is geared toward providing modest housing for individuals with moderate to low incomes. A VA loan is an excellent opportunity for eligible veterans to purchase a home, often at a lower interest rate. It is literally no money down and is simply a fixed rate mortgage with a very competitive interest rate.Home Mortgage Loans...
Home mortgage loans are the largest debt that most Americans will take on in their lifetime. It is a very long commitment and you don't want to make that commitment with the wrong lender. A home mortgage loan is sometimes called a rent-to-own arrangement. The loan is generally long term and has terms up to 40 years. It can be a big commitment and you need an experienced professional guiding you through the process, answering your questions to help you find the lowest interest rate possible.
Credit scores are used by mortgage lenders so they can decide whether someone is capable of making payments on a mortgage. Credit is the money borrowed from various financial institutions in order to satisfy a need. Your credit score can impact your ability to obtain a home mortgage loan rate at the lowest posible interest.
Interest only mortgages are loans that allow the borrower to pay only the interest on the loan for a predetermined period of time. They generally have a period of five to ten years, after which time your loan becomes a standard ARM loan. Interest rates for home mortgage loans are rising, putting downward pressure on real estate prices. Knowing the difference between interest rates and points is important. Points are fees paid to the lender or broker for the loan and are often linked to the interest rate; usually the more points you pay, the lower the rate. They are usually tax deductible and considered to be prepaid interest.
Credit scores are used by mortgage lenders so they can decide whether someone is capable of making payments on a mortgage. Credit is the money borrowed from various financial institutions in order to satisfy a need. Your credit score can impact your ability to obtain a home mortgage loan rate at the lowest posible interest.
Interest only mortgages are loans that allow the borrower to pay only the interest on the loan for a predetermined period of time. They generally have a period of five to ten years, after which time your loan becomes a standard ARM loan. Interest rates for home mortgage loans are rising, putting downward pressure on real estate prices. Knowing the difference between interest rates and points is important. Points are fees paid to the lender or broker for the loan and are often linked to the interest rate; usually the more points you pay, the lower the rate. They are usually tax deductible and considered to be prepaid interest.
Sunday, June 6, 2010
Some Mortgage and Loan Tips...
Debt Consolidation Refinance Loans...
For millions of homeowners, refinancing is the perfect way to consolidate debts. You can consolidate your debts, eliminate outrageous interest rates and fees, and make one low monthly payment. Credit cards, medical bills, and unsecured loans can all be combined into one monthly payment when you apply for a debt consolidation refinance loan. The time has never been better to apply due to the current low interest rates being offered by mortgage lenders.
Information and quotes are free and you can apply to several lenders with one simple online application.
Refinancing your home in order to consolidate debts has tax advantages as well as lowering your monthly payments. You can roll all your debts into one low monthly payment and receive tax deductions on your refinanced mortgage. A debt consolidation refinance can give you extra money each and every month, eliminate high interest rates on credit card debts and unsecured loans, and give you a fresh start on attaining your financial goals.
If you have overdue bills that never seem to get paid off and you feel as if there is no end in sight to the constant financial pressure and stress, a debt consolidation refinance loan is the perfect answer to your problems. Information on a debt consolidation refinance loan is available to you immediately when you complete a short, simple online application. You'll be contacted by multiple lenders in as little as 24 hours who can give you expert advice on consolidating your high interest debts into one convenient, low monthly payment. The quotes are free and there will be no initial credit check. Simply review the offers and choose the lender that best suits your needs.
You can avoid multiple inquiries on your credit report by applying to several lenders at once with one quick online application. A debt consolidation refinance loan can enable you to eliminate debts and save money. Even if your credit history is less than perfect, you can refinance your home and consolidate your debts with one easy application. Multiple lenders who can assist you during each step of the refinancing process will contact you within hours after receiving your application. You'll get no-obligation quotes from lenders who are eager to advise you about the numerous options that are available to you.
If you complete the short online application today, you will soon be on your way to a debt free existence, free from the stress and pressure created by those high interest debts.
For millions of homeowners, refinancing is the perfect way to consolidate debts. You can consolidate your debts, eliminate outrageous interest rates and fees, and make one low monthly payment. Credit cards, medical bills, and unsecured loans can all be combined into one monthly payment when you apply for a debt consolidation refinance loan. The time has never been better to apply due to the current low interest rates being offered by mortgage lenders.
Information and quotes are free and you can apply to several lenders with one simple online application.
Refinancing your home in order to consolidate debts has tax advantages as well as lowering your monthly payments. You can roll all your debts into one low monthly payment and receive tax deductions on your refinanced mortgage. A debt consolidation refinance can give you extra money each and every month, eliminate high interest rates on credit card debts and unsecured loans, and give you a fresh start on attaining your financial goals.
If you have overdue bills that never seem to get paid off and you feel as if there is no end in sight to the constant financial pressure and stress, a debt consolidation refinance loan is the perfect answer to your problems. Information on a debt consolidation refinance loan is available to you immediately when you complete a short, simple online application. You'll be contacted by multiple lenders in as little as 24 hours who can give you expert advice on consolidating your high interest debts into one convenient, low monthly payment. The quotes are free and there will be no initial credit check. Simply review the offers and choose the lender that best suits your needs.
You can avoid multiple inquiries on your credit report by applying to several lenders at once with one quick online application. A debt consolidation refinance loan can enable you to eliminate debts and save money. Even if your credit history is less than perfect, you can refinance your home and consolidate your debts with one easy application. Multiple lenders who can assist you during each step of the refinancing process will contact you within hours after receiving your application. You'll get no-obligation quotes from lenders who are eager to advise you about the numerous options that are available to you.
If you complete the short online application today, you will soon be on your way to a debt free existence, free from the stress and pressure created by those high interest debts.
Wednesday, May 19, 2010
Earn Money From Your Blog Through Kontera...
Kontera is doing very good and is providing high revenue by its in-text ads...
Join Kontera and follow the link here to get started...
KONTERA...
Join Kontera and follow the link here to get started...
KONTERA...
Saturday, April 17, 2010
TechFest at HCL
The First Mega Techfest ever by HCL CDC ---TECHNO-SPIRE...
HCL CDC is organising a techfest at its venue, all the participants have a bright opprtunity to get a certificate of HCL which will definitely help them all in their career. It is organizing various events for all which includes Paper Presentation to Poster painting so get ready to participate....
For more info please visit...
HCL-CDC
HCL CDC is organising a techfest at its venue, all the participants have a bright opprtunity to get a certificate of HCL which will definitely help them all in their career. It is organizing various events for all which includes Paper Presentation to Poster painting so get ready to participate....
For more info please visit...
HCL-CDC
Tuesday, April 13, 2010
Thursday, April 8, 2010
Some Blogs Which can Lead to a LAVISH life....
These are some blogs which contains all the information's and links which can lead you to a lavish life....just follow the blog and follow the links provided....
First is AdagePoesy.....which contains some famous adages and poems which can lead your life towards a new Era...
Adagepoesy
and the second one is EcstasyHome...which is the home for money makers so do visit...
Ecstasyhome
First is AdagePoesy.....which contains some famous adages and poems which can lead your life towards a new Era...
Adagepoesy
and the second one is EcstasyHome...which is the home for money makers so do visit...
Ecstasyhome
Wednesday, March 31, 2010
SEO (Search Engine Optimisation).....
SEO is basically concerned with the page rank of your web site or web page on any search engine. The objective of search engine optimization (SEO) is to increase a Web site's traffic counts, and ultimately conversions, by ranking very high in the results of searches for the keywords in the search query. All search engines like Google, Yahoo, Aol , MSN etc follows their own way for optimizing the sites on their search engines.
It is the mission of SEO to make the site's content worthy of higher search engine ranking by being more relevant and competent than the competition's. This SEO process is often viewed as a struggle to rank well for just a few keywords, instead of a struggle to satisfy the needs of those entering the query. If you search on your best keywords you will see the leading sites in the rankings and to obtain traffic for your content you will need to rank higher than those top sites. SEO improves your search engine rankings (traffic and profits). After all, better keyword ranking is the first step to increased Web traffic.
How search engine works?
Search engines crawl, weight, and index Web page content. Crawling is done by a search robot that traverses the links in a Web site and captures the content. Search engines then use algorithms and heuristics to assign weights to Web pages. This information is used to build the search index, which is used to build a results page based on your query.
Their are various factors which affects the SEO ranking factors. Some of the "good ranking factors" are as follows...
* Keyword Focused Anchor Text from External links i.e. if someone searches SEO then, your webpage should contain those words so that the person will visit your site this will increase your page rank and your ultimate aim is to obtain good page rank and best traffic on your site...
* Keyword Use Anywhere in the Title Tag.
* Diversity of Link Sources (links from many unique root domains).
* External Link Popularity (quantity/quality of external links).
* Trustworthiness of the Domain Based on Link Distance from Trusted Domains (e.g. TrustRank, Domain mozTrust, etc.)
Besides having key factors for good SE Optimized page, their are also "negative ranking factors" which are...
* Your server plays an important role here. Frequent Server Downtime & Site Inaccessibility plays a negative role for your webpage ranking.
* Link Acquisition from Known Link Brokers/Sellers is also an important factor which degrades your page ranking over the search engine.
* Cloaking with Malicious/Manipulative Intent. This can serve as serious problem for your bad page rank.
* Links from the Page to Web Spam Sites/Pages. Never link your page to such type of sites they will definitely ruin your page rank...
It is the mission of SEO to make the site's content worthy of higher search engine ranking by being more relevant and competent than the competition's. This SEO process is often viewed as a struggle to rank well for just a few keywords, instead of a struggle to satisfy the needs of those entering the query. If you search on your best keywords you will see the leading sites in the rankings and to obtain traffic for your content you will need to rank higher than those top sites. SEO improves your search engine rankings (traffic and profits). After all, better keyword ranking is the first step to increased Web traffic.
How search engine works?
Search engines crawl, weight, and index Web page content. Crawling is done by a search robot that traverses the links in a Web site and captures the content. Search engines then use algorithms and heuristics to assign weights to Web pages. This information is used to build the search index, which is used to build a results page based on your query.
Their are various factors which affects the SEO ranking factors. Some of the "good ranking factors" are as follows...
* Keyword Focused Anchor Text from External links i.e. if someone searches SEO then, your webpage should contain those words so that the person will visit your site this will increase your page rank and your ultimate aim is to obtain good page rank and best traffic on your site...
* Keyword Use Anywhere in the Title Tag.
* Diversity of Link Sources (links from many unique root domains).
* External Link Popularity (quantity/quality of external links).
* Trustworthiness of the Domain Based on Link Distance from Trusted Domains (e.g. TrustRank, Domain mozTrust, etc.)
Besides having key factors for good SE Optimized page, their are also "negative ranking factors" which are...
* Your server plays an important role here. Frequent Server Downtime & Site Inaccessibility plays a negative role for your webpage ranking.
* Link Acquisition from Known Link Brokers/Sellers is also an important factor which degrades your page ranking over the search engine.
* Cloaking with Malicious/Manipulative Intent. This can serve as serious problem for your bad page rank.
* Links from the Page to Web Spam Sites/Pages. Never link your page to such type of sites they will definitely ruin your page rank...
Sunday, March 28, 2010
EXAMS FOR UNDERGRADUATE, GRADUATE AND POSTGRADUATE PEOPLE...
Students always get confused in selecting their field of interest and giving exams accordingly for pursuing their career in their loved field. Their are various exams available nowadays but we should apply a filter to choose our required fields. For undergraduate students in India various exams as per their interests. One of the major exam nowadays is GRE i.e. Graduate Record Examination, which is available almost for students worldwide.
The GRE tests are your gateway to graduate programs, business schools and fellowships. GRE General Test scores are used to evaluate
your readiness for graduate level work.
for more information vist GRE
The GRE tests are your gateway to graduate programs, business schools and fellowships. GRE General Test scores are used to evaluate
your readiness for graduate level work.
for more information vist GRE
Saturday, March 27, 2010
Treasure For Money Seakers...Best PTC sites...
PTC Sites are Paid To Click sites, which pays you when you click the ads and when the timer of that ad completes you get credited. They give you money for only clicks, easy to earn money. These sites acts as a treasure who wants money or we can say extra income at no expense.Ptc sites are basically divided into elite, legit and scam sites. Elite sites are those who are actually playing for years. Legit sites are new sites which are also paying presently. Scam sites are those sites which are not paying at all they are just here to misuse the user information and to earn money by their expense...(beware of these type of sites...)
Now question arises that how will you get money from these PTC sites?
Ans:- There are various sites available on internet like which acts as a bank over the internet to store the money and to retrieve it either via check or by transferring it into your bank account.
Some money transfer or bank over internet links are given below, join them using the link provided...
Paypal.com
Libertreserve.com
Moneybookers
Their are various other sites also but main sites are listed above...
Some Real Paying PTC sites are given below, join them for earning money...
(Legit as well as Elite sites)...
This site gives you money in Pounds...
you-cubez.com
Their are many sites available for trading also. they gives you money for using their features and doing the transaction via their site or accessories...
Nowadays earning money over the internet is a great way to get the money by doing no to some amount of work. PTC,PTR,PTP etc are some features provided by these types of sites for their users to get money...So all the money seekers for free join these sites and enjoy your extra money...but be aware of SCAM sites. The sites provided above are Elite sites and are paying for years. I will also provide the names of some SCAM or FAKE sites so that you should be aware of them...
So, Enjoy your earnings....
Wednesday, March 17, 2010
TREASURE -"What it Means"...
Treas
ure this word is derived from a Greek word "thesaurus" which means treasure of the chest. Treasure, which we all want to have is a concentration of riches basically it is a collection of all the valuable items which everyone wants in their life to fulfill their needs.
ure this word is derived from a Greek word "thesaurus" which means treasure of the chest. Treasure, which we all want to have is a concentration of riches basically it is a collection of all the valuable items which everyone wants in their life to fulfill their needs.We all wish to have a treasure which everybody dreams off. This blog is collection of links and topics which would prove to serve as a treasure for all the people and can enjoy being a part of it...
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