film reviews

check this out..

http://www.reviewcentre.com/

Read the film reviews before you go to the cinema and compare reviews of DVD movies and videos before you go to the shop to rent or buy the DVD of your choice. As well as reading reviews, you can write your own reviews of any films that you have seen.

Review Centre also provides online shops and links so that you can buy DVDs and Videos of the all the top titles of films, music videos, TV shows, documentaries and more.

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ATM Card Pin Reversal..(do u know this??)

Guys,
If a you are forced by a robber to get money from an ATM, there is a simple trick bye which you can inform police about the same. The only thing you have to do is, enter your pin number in reverse order.

for example, if your pin number is 4567, enter it as 7654 so that some kind of information will be sent to the police and they will rescue you.

Holiday Loans(UK)

Short term holiday loans are provided to the person for meeting the expenses, incurred while holidaying such as commuting, hotel expenses, meals, shopping etc. They are short tem loan which are repaid within short span of time. Usually, they are repaid within one year.

in present scenario, there are many banks, financial institutions and building societies that provide short term holiday loans on competitive rates. In addition to the lenders in the physical market, there are many online lenders that provide loan on better and low rates. Faster approval, low overhead cost, available to bad credit scorers, low interest rates etc are some of the advantages of applying loan with an online lender.

Even the borrower with bad credit score can avail short term holiday loans. While enjoying their holiday, they can improve their credit score by making timely repayments of loan.

Interest rate varies from borrower to borrower. The lender determines the interest rate by considering following factors such as financial status, flow of income, credit worthiness and the rates prevailing in the financial market.

Before availing loan, borrower is needed to follow certain guidelines. These guidelines will help him in determining the most competitive short term holiday loan deal:

• He must recognize an amount, which he is needed to borrow. In other words, he must not borrow an amount beyond his repaying ability.
• Research is the best means of availing competitive loan deal.
• Online mode must be adopted for availing loan as it involves no processing fee and low overhead cost.
• Terms and conditions of the loan deal must be thoroughly reviewed.
• Small prints of the loan agreement must be taken into account.
• There must be timely repayments of loan.

Thus, with short term holiday loans, the person can enjoy at holidaying destination without worrying about expenses.

Summary

In present scenario, there are many banks, financial institutions and building societies that provide short term holiday loans on competitive rates. In addition to the lenders in the physical market, there are many online lenders that provide loan on better and low rates.

Tim Kelly is an expert in finance having completed his LLM in Finance (Master of Laws in Finance) from Institute for Law and Finance at Frankfurt University.He is currently working with Ukholidayloans.co.uk as a financial advisor.To find holiday loans loans in uk that best suits your need visit at www.ukholidayloans.co.uk

Article source: www.loanarticles.co.uk

esniper (try it...cool one)

http://esniper.sourceforge.net/
esniper

esniper is a simple, lightweight tool for sniping ebay auctions. It runs on all flavors of linux, unix and Windows, and should adapt easily to other operating systems.

You can download the source code, report bugs, and a bunch of other things from sourceforge.net.

To be informed of new releases and major bugs, subscribe to the esniper-announce mailing list.

To compile and run esniper you need SSL and libCurl. Most recent linux releases should have these libraries already installed. If your system doesn't have these libraries or they are out of date, you will need to download, build and install these libraries first. You must build and install SSL before building and installing libCurl.

If you are using Windows, you will need to use either cygwin or MinGW and MSYS for a development environment, and SSL and libCurl. I hope to have a prebuilt Windows binary available in the near future.

If you need documentation, you can read the manual page, or download a unix man compatible version and place it in /usr/local/man/man1 on your computer.

esniper can use configuration and auction files to tell it how to bid and what to bid on. Sample files (configuration, auction) are available.

If you want to be notified of updates to esniper, subscribe to the esniper-announce mailing list.

FAQ:

• What is sniping?
  • Sniping is the act of bidding on an auction with just a few seconds remaining.
• Why snipe?
  • Because it is better than bidding early. For more information on sniping, including reasons for and against, click here.
• What's wrong with bidding early?
  • In a perfect world, nothing. The world isn't perfect, though. Most eBay bids are proxy bids. If everybody understood that, figured out how much they wanted to pay, and bid their maximum, sniping would not be useful. However, many bidders have no idea how much they want to pay, so they bid in small increments until they beat your proxy. If you bid your maximum at the end of the auction, you greatly reduce the chances of being bid up by such a bidder.
• Is sniping against eBay policy
  • No. You may bid at any time in an eBay auction.
• I think sniping is evil
  • You are entitled to your opinion, but you may want to check out this very comprehensive site first so you can make an informed decision.
• Is using a program to snipe against eBay policy
  • This is a difficult question to answer. In paragraph 7 of eBay's user agreement, "you will not user any ... automatic device, or manual process to monitor or copy our web pages". From this, it appears just reloading an auction page a few times could be illegal (manual monitoring). Auction services which automatically retrieve closing prices, such as Andale and PayPal, seem to go against this clause, too.
• When I try to run esniper, it complains it can't find cygwin1.dll
  • Did you download cygwin1.dll and place it in the same directory as esniper.exe?
• What is cygwin1.dll, anyway?
  • It is part of cygwin, a package that emulates unix on top of Windows.

Personal Loan Article (India)

Quick documentation, quick availability but not necessarily cheap.

Author Name : Nirav Mehta
Tuesday,14th November 2006

It was just another day at office and I got a call from a direct sales agency of a reputed bank inquiring whether I am interested in a personal loan. While I was still considering the merits of the product/bank, in question pat came another offer “Sir, we can arrange one for you from any other bank as well!!”

Welcome to the world of retail banking – Where both the Indian and multinational companies are fighting for a market share. And it is not restricted to personal loan industry only. Even the housing loan or credit card or auto loan market is facing the same level of competition, if not more.

‘No questions asked, no reasons required – We are ready to give it, if you are ready to take it!’ – is the punch line for all the banks. And words like best interest rates on offer, no need to disclose the purpose, no security or guarantee required… can easily lure a customer towards seeking that personal loan that sometimes they may not even require.

However, it is always advisable to be a little careful and look into the fine print of such ‘easily available loans’

Let’s look at a product that is better known as ‘Janata Loan’ or ‘Small Ticket Loan’ or ‘Low EMI Loan’. While the christening could be different, the products are basically same. And while they could be easily available, they could also cost you much more than any other product in the market.

These types of loans are specifically meant for low-income groups e.g. stenographers/ clerks/ typists/ peons/ drivers/ admin assistants/ cleaner/ watchmen etc. who otherwise find it very difficult to get bankers interested in them. However, these loans are typically designed to suit their needs.
Here are a few workings that explain the cost benefit of such products to you. A typical product would have the following tenets.

Quick Takes

Loan amount – Between Rs. 10,000 to Rs. 75,000

Salary required – Min 4,000/- Net Sal

Documentation –

• Three months salary slip & Bank Statement to assess your repayment capability, existing commitments or loans etc.
• Identification proof & residence proof
• Letter of employment & salary drawn from employer if salary slip is not made available

Processing fees – Ranging from 3 per cent to 4 per cent of the loan amount.

Tenure – Between 12 months to 30 months.

Now comes the most interesting part of such loans – the interest rate

A look at the tables given below and you would get more than a fair idea of how is this personal loan actually going to cost you.

Table

Case Scenario	Loan Amt. (Rs.)	Net Monthly Sal. (Rs.)	No.Of Dependents	Tenor (In Months)	EMI (Rs.) (Approx.)	Interest Rate (Flat)	Interest Rate
1	25,000/-	4,000/-	2	24	1,465/-	20.32%	35%
2	50,000/-	9,500/-	2	30	2,559/-	21.42%	36%
3	60,000/-	10,500/-	3	24	3,649/-	22.98%	39%
4	20,000/-	5,500/-	5	24	1,224/-	23.44%	40%
5	75,000/-	11,000/-	4	30	4,022/-	24.35%	41%

*All figures are hypothetical

The table above shows the interest rates charged by the banks for such loans. And the rage can be clearly identified – anywhere between 20 per cent to 25 per cent – of FLAT interest rates. IN other words, the reducing balance rates* would be much higher. As per our example it would anywhere between 35 and 40 per cent.

Add to the complex structure of Equated Monthly Installment (EMIs), the hidden cost of processing fees which are deducted in advance & the rates will increase further by 2 per cent (for FLAT rates) and a good 4 per cent (for reducing balance rates)

So why are these interest rates so high? – While bankers would argue that being a totally unsecured product, there are chances that borrower might default. In other words, the bank would take into account the high risk element in these loans. Moreover, given that the loan amounts are rather small, the cost of processing such loans is much higher. However, the overall cost just does not justify the risk profile or for that matter, the processing cost.

However, many consumers are attracted to such loans, simply because of the fact that these loans are available easily. However, whereas, they could take the personal loan if they do require it urgently they need to keep in that they are rather expensive. In simple words remember that something that is easy is never cheap.

*{Reducing balance is a calculation methodology of interest only on the outstanding amount at the end of a particular period e.g. monthly/ quarterly/ half- yearly/ yearly rests since EMI comprises of principal component as well as interest component }

My Inspiration

Famous football player Yohan Criffe said to his team mates, before the match with Italay
"Italians cannot beat you, but you can loose to anyone"

Yes,guys.. No one in this world can beat you, but you can loose to anyone..try to be a winner always..tomorrow will be yours...!!

courtesy: www.inspirational-quotes.info