15 Jul

Debt Consolidation Is debt doing you part

Debt consolidation is the art of snowballing little debts into one giant snowman. However, some debt consolidation companies might even make you believe that theyll actually make the loans go away, or carve out such a wonderful deal that you wont even feel the pain of repayment. Some of their promises include a guaranteed reduction in monthly payments or a near zero interest rate. Hello, who are we kidding out here? Its time for a reality check think of them as no more than a bad joke.

What debt consolidation might do for you, however, is to shift your repayment burden. If you do opt for it, in effect you will be taking a new loan to pay off old ones. Often, the new loan might be secured against some little property you may own, and therefore will entitle you to lower interest rates. Unless youre certain of being able to pay it off, youd do well to seek friends willing to offer you free accommodation once your home is taken over by the creditors!

Still, you might find debt consolidation a viable solution in case youve run up a huge sum on your credit card account. Credit cards typically carry very high interest rates, and if you choose to take a secured loan to clear off your payments, youll probably have saved yourself a few dollars in interest.

Assuming that youve decided to bite the bullet, watch out for the usual pitfalls.

Theres no such thing as an easy loan. If youre what is politely called a credit risk, be sure that no lender is going to dish out the stuff without some pretty stiff conditions. If they make it sound like the loan approval is a done deal, run a mile! Its quite likely that theyre going to charge you some astronomical interest rate, so cleverly packaged you wont even know it.

Beware of smooth talkers. If the company youre talking to promises to take care of everything, make sure they really do. After all, theyre going to get paid for it if not from you directly, certainly from the creditor. Some companies are known to be slack, and land up delaying payments! When that happens, you go from looking bad to worse.

Watch out for predatory lenders. Oh yes, they do exist. Some companies wait and watch till a debtor has dug a little hole for himself, before they make their move. At times like these, the debtor is so desperate hell take any quick fix thats thrown his way, even if it comes at the maximum permitted interest rates.

Since debt consolidation is a double edged sword, in time of need it is advisable to approach the larger or better known companies such as American Debt Consolidation or E-LOAN.But the bottom-line is that you will need to make a fundamental readjustment in your spending habits if you want a permanent solution to your debt problem.

15 Jul

Send the perfect Diwali SMS online saving your money

Do you wish to make some extra special for this Diwali? Well, then you can try to send Diwali wishes to all your close friends and relatives without having to spend any money from your pocket. This is made possible by the different service provider but it is you who need to make sure that good attempts are made to get the genuine one for you without any problem at all. Therefore, it is your choice that is important to know whether you can send Diwali SMS online. If you take the right steps then it would make you send Diwali messages online to all your friends. It can also help to save your money and your mobile bills will gradually decrease. Therefore when you try to send free Diwali SMS, it is important to make sure that the terms and conditions are known to you in order to remain assured that you are quite knowledgeable. If you do not get the right source then it would only lead you to lose your valuable time.

Get delivery reports online It is possible to get all the delivery reports of the various free Diwali SMS that you have sent. It is also made possible to send the same customized Diwali messages to more than one person at a time without having to type again and again. So this also saves a lot of your time which makes you feel glad for being able to get the right one online. If you try to get hold of the right service provider, it is important to know whether it provides unlimited service so that you can send free Diwali wishes without any sort of problem. So, you have to know how to choose the best site for you that would lead to get lots of important facilities without using your mobile phone at all. When you , it is important to make sure that your messages are getting delivered to the right person without any problem.

Know how to choose the best one It is important to have a good idea whether you would be able to get the perfect site to send free Diwali SMS online with accurate delivery report. By getting the delivery report, it also makes the recipient to feel very special to get it from you. Thus good attempts have to be made to know how it would be possible to choose a genuine source helping you to send Diwali SMS for free online. No matter whether you are in office or home, it just needs a laptop or computer with a good Internet connection thereby helping to send free Diwali SMS without any sort of worries at all.

15 Jul

Discount Wedding Photography – How To Get Your Portraits Cheaper

Every penny counts when you are planning your wedding and honeymoon. As you are probably finding out, things are a little more expensive than you probably thought they were going to be, Thankfully, we have found some of the most helpful money saving tips on wedding photography. With our tips, you will be able to get discount wedding photography that does not look discount at all!

First, you have to understand, no one is going to offer you a cheaper price on your wedding photography if you dont ask for it. Basically, in the world of negotiating there is no room for embarrassment.

You have to be willing to go the extra mile to save a dollar. You might not be able to save as much as you want on your discount wedding photography, but even $20 less is $20 left in your pocket.

You will need to look online and determine the average going rate for wedding photography in your area or the area you are getting married. From here you will know about how much you should set your budget at. Then start looking at the prices for the packages you want. Get ready to begin negations with the photographer.

Make several appointments to various photographers so you can find the potential discount wedding photography studio you will be using. Lets say the package you want has everything you want but it has too many 10x12s. Take note and discuss the possibility of reducing the price since you will not need everything in the package.

Explain to the photographer that their prices are a bit out of your price range and it is vital that you do not overspend your budget. Then discuss the possibility of reducing the price of your package since you do not need the additional 10x12s. More likely than not, the studio just opened their doors to becoming a discount wedding photography studio without even realizing it.

Another way you should be able to get the price down a little is to show the photographer that the prices in your area are not quite as high as he or she is charging. This can often open the eyes of the photographer and almost force their hand at becoming your discount wedding photography studio.

No one wants to lose a potential client, so more often than not, if the price is still reasonable you can get the photographer to come down to a lower price. Thus, you have gotten your portraits at the price you wanted!

15 Jul

Desert National Park In Rajasthan

Desert national park Located in the Jaisalmer (Rajasthan) Jaisalmer city is the most attraction of Rajasthan tourist. Jaisalmer also known as golden city of India. Jaisalmer attractive a big numbers of tourists from all over the word. Major attractions in the jaisalmer are Jain temples, nathmail ji haveli, Golden fort, Patwon ki – haveli, Desert national park, salim Singh ki haveli etc.

It is the only one in India. We can see the wildlife amidst the Thar Desert. It was recognized in the year 1980 with a purpose to protect both deserts fauna and flora. Large numbers of tourist visit in this palace so as to they be able to get the glimpses of systematic sand dune or unusual animals type in the middle of desert landscapes The fascinating attractiveness of craggy rock, pavement or solid salt lake captures the heart and spirit of each tourist who visit this place.

Desert triangle trip is single of the mainly like famous and favorite tour choice because it is a major and admired tourist route that take the tourist in the royals or majestic state of Rajasthan India. A very big part of this wonderful State Rajasthan is subject by huge stretch of desert earth called Thar Desert. There are many towns and villages located in or around the Thar Desert there visitors can get enjoyment in the best of desert charm by exciting camel safari.

Another famous purpose exact on top of the lists of many India tour operators is the 15 days camel safari tour packages that take tourist around in the Rajasthan desert destination. These packages cover all most important cities in Rajasthan like Ranthambhore, Jaipur, and Bikaner, Jaisalmer, Jodhpur, Mount Abu, Mandawa, Tal chhapar. The main attractions is the days long camel safari during the desert thats prepared in the desert national park

Destinations that are explore with the desert triangle tour is most famous or much liked citys of the state and well established for their desert magnetism, heritage charm, cultural charisma . This wonderful tours route is covered with several tourist monuments, forts, temples, palaces, and many more.
Some of the most important attraction of desert triangle tour of Bikaner, Jodhpur, and Jaisalmer in Rajasthan are Junagarh fort, merhangarh fort, Desert national park, Golden fort, camel safari, horse safari, jeep safari, bird watching tour and some others.

15 Jul

What is a Green Hotel Six Things No Green Hotel Should be Without

It seems as if you cant turn around anymore without running into something “green.” Nowhere is that more true than in lodging. Green hotels or at least, those calling themselves green are sprouting up everywhere, and travelers are becoming increasingly more aware of what to look for and how to judge whether or not a green hotel actually is well, green!

You want your guests to know without a doubt that theres no green-washing happening at your green hotel. Ive put together a green hotel checklist so you can see how your property stacks up. Does your property have:

Staff Buy-In and Ongoing Education: In a truly green hotel, everyone from the front desk staff to the owner and everyone in between fully understands, supports, practices and can communicate the propertys environmental policies.

A Working (and funded!) Energy Strategy: Todays green hotels go beyond just changing a few light bulbs and implementing a linen reuse policy. They analyze their energy efficiency including conducting Energy Star benchmarking — and then seek out and apply for incentives, rebates and loans that allow them to make meaningful changes in their consumption.

A Green Purchasing Plan: From locally-grown organic produce for its banquet salads to environmentally sensitive cleaning products and furnishings, green hotels know where and how to source the most cost-effective earth-friendly products.

Green Hotel Certification: A green hotel designation from a certifying body that does on-site audits assures your guests that your property has met rigorous environmental standards.

Specialized Marketing: Green hotels recognize that expertly targeted internet marketing is vital to their ongoing success in an increasingly competitive industry.

So how does your property stack up? I know it seems daunting to meet all those requirements, to track down trustworthy, LEED-Accredited Professional advisors, find rebates and incentives, train everybody, and still manage to run a lodging facility who has time for that?

Thats why I created EcoGreenHotel to be a one-stop shop. We have trainers, engineers, financial advisors, purchasing and marketing specialists, thousands of quality green products and a certification program to meet the needs of every type and size of lodging facility at all stages in the green hotel process. We are LEED-Accredited Professionals specializing in energy efficiency. We can help your property achieve all of the above in the most cost-effective way possible, and we can start today.

About EcoGreenHotel EcoGreenHotel is a company dedicated to helping lodging facilities address energy and environmental solutions. Sustainability services are strategically designed to help hotels identify incentives, rebates, and grants to allocate toward energy efficient solutions to decrease energy costs and achieve the Triple Bottom Line. EcoGreenHotel also offers Energy Star Benchmarking and Energy Efficiency Analysis. For further information visit www.EcoGreenHotel.com or call 888.229.0213.

15 Jul

Urlzone Virus Hits Online Banking

Most banks nowadays provide online banking services. With the increasing number of cybercriminals, you have to be very careful when doing money matters over the web. One of the evidences was the discovery of the URLZone virus.

URL Zone is a new type of banking Trojan horse that steals your login credentials and steals your money from your account at the same time. It is said to be controlled by servers in Ukraine discovered by the help of the researchers of a security firm, Finjan. It targets Firefox, Opera and last three versions of Internet Explorer IE6, IE7 and IE8. It displays your fake balance while you are logged in. It steals the exact amount money from your account during the time when you are logged in.

At present, the said virus is only affecting computers in Germany. Generally, URLZone infects your PC when you open an e-mail and click a link or visit an infected site. Once the virus infected your PC, URLZone waits for you to transact banking online. While you are doing your bank transactions online, the virus is also present in the background with the bank server and you not knowing that its already stealing your money. It sound impossible but its really happening.

URLZone virus cleans its tracks on your account by displaying a fake balance in your computer. Of course, it wouldnt show the amount of your stolen money. You will be able to distinguish the discrepancy in your balance if you use an uninfected PC, use an ATM or your transaction is denied because of insufficient funds.

For your own security, you should always update and run your antivirus, spyware and firewall protection automatically. In this way, virus and other malware will not sneak to your PC, infect it and steal the money that you have been saving all your life. Use the latest version of your web browser. Its not safe to use out-of-date web browser because it is often riddled with holes that worms can get through. You must update your operating systems critical security patches automatically. It is one of the best protections against any type of security threat. Bank account users like you should not click on unsolicited web links in e-mails that you receive. You should also check your bank statements frequently.

With URLZone virus being discovered, it warns people to be careful when doing bank transactions online. For the first time, a virus hijacks a users browser session, steals money while doing online banking, and clean its tracks by displaying fake information to you. Beware! If you are concerned that your computer may already be infected with a virus, seek a PC support to help you. Techie Now can help you with that! Techie Now offers better services including virus and spyware removal, performance optimization, installation and configuration and general repair for your PC needs. With Techie Now, your PC, money and identity are safe.

15 Jul

Country Singers Score Pop Hits

Country music has always been the quintessentially American genre of music. While pop and rap depict aspirational lifestyles that listeners can only imagine living themselves, country music is about real people and real ways of life. It is only natural that country singers would begin to cross over into the popular realm as the voices of true Americans.

Perhaps the most famous country singer right now is Taylor Swift. Referring to her as a country singer may seem strange given her pop success, but she is a country singer at heart. She sings about the glitz-free lives of real girls in an authentic way that speaks to women of all ages. Her sincerity is mocked by cynics, but it is that genuine quality in her persona and songwriting that helps her connect to her massive audience. She is not afraid to wear her heart on her sleeve and expose her emotions on the public stage. Her fans imagine that she is telling them true stories about her own life. Taylor’s preference for acoustic instruments and skilled way with small-scale lyrical vignettes have drawn comparisons to folk musicians throughout the ages and, oddly enough, to contemporary indie rockers like the Shins and Fleet Foxes.

Carrie Underwood is another female country singer who owns a permanent spot on the pop charts. Ever since her rise to fame as an American Idol winner, she has maintained a steady fan base and an ever-growing string of hits because she stayed true to her roots. Her most successful song, “Before He Cheats,” is a classic female revenge anthem with a rock edge to balance out her sweet twang. She continues to toe the line between traditional country music and edgier fare with grace and finesse.

Country music’s latest crossover success is the Band Perry, fronted by Kimberly Perry and backed by her musician brothers Reid and Neil. “If I Die Young” is reminiscent of Taylor Swift’s early winsomeness and brings a sweet, earnest perspective of life to radio airwaves.

Male country singers like Toby Keith and Luke Bryan embody a rugged kind of masculinity that is only rarely seen in straightforward rock music. They sing about tried and true subject matter like girls and life on the road. They have both released strings of anthems affirming their modest ways of life that, in turn, evoke pride in their fans.

Country music is sometimes thought to be unimportant because it is earnest. Country musicians strive to be liked, a notion which is anathema in circles that fancy themselves ahead of the curve. Fans of country music are more loyal than fans of any other genre because of the honest reality that is captured in country music.

15 Jul

A Monkey Shower Curtain Is A Must Have For The Great Jungle Themed Bathroom

No matter if creating a made up bathroom for your children or you when youthful at heart as well as fun loving then you definitely can’t go wrong having adorable monkeys along with all their safari good friends. There is a huge variety of shower curtains out there featuring monkeys. There are classy designs with embroidered monkeys and bananas, together with lovely cartoon monkeys swinging amongst the vines. Among my favourites is the peek-a-boo monkey shower curtain with a clear viewing panel (perhaps for those who feel a little claustrophobic in the shower). Some styles are very simple with just printed monkey faces, team this with a matching floor rug and you have an instant monkey bathroom.

The safari collection I came across is especially sweet as they use a giraffe lotion pump, monkey soap dish, and an elephant for a toothbrush holder and a lion tumbler. You’ll be able to get monkey shower curtain hooks which will jazz up a plain curtain you already have or add the finishing touch to a new curtain. If you want to replace your toilet brush and holder even that is available with a monkey design. Wastebaskets come in a variety of materials (wood and resin) and are monkey or jungle themed too. Bathroom accessories tend to be either plastic or resin and can be decorated or relief. I particularly like the relief resin figures as they add a cute 3D effect to the bathroom really bringing the jungle alive! An excellent useful addition to your monkey bathroom would be a set of cute embroidered towels which come in either white or bright colours to complement your design. To save time trying to find co-ordinating accessories buy from a full range provided by one manufacturer such as the safari or the monkey business range and all the hard work is done for you.

If you look further afield than the bathroom department when shopping you will find monkey and jungle animal curtain tie backs to enhance your bathroom theme. Also a great range of art to decorate the walls, including decals which come in a variety of designs and most are removable. Check with the manufacturer first that they are suitable for wet areas like bathrooms. Please do not neglect your toilet when making over the bathroom – a padded toilet seat cover will add the perfect touch or have you seen the now great range of removable toilet seat tattoos available in round and elongated to suit most toilet seats. Start with your choice of favourite monkey shower curtain and let inspiration, imagination and creativity take you from there.

15 Jul

Prom Dresses With Leopard & Zebra Print Animal Print

The leopard printed couture is always sexy and special and animal print gowns never go out of style. After I have shared some royal long blue prom gowns in almost every shade of blue, shining gold prom gowns and gothic style clothes with you, this time I will share some wonderful styles in animal print with you. Whether in cocktail-length or full-length, the prom gowns with animal print can be the same stunning and fantastic.

Dont listen to those naysayers who deny the animal printed clothes. Animal printed clothes have nothing to do the protection of the animals. You dont have to worry about that the animal dresses will break the laws. As I have mentioned above, the animal printed gowns will be in fashion trend forever. There may be a lull, but pretty soon. There are three main prints in womens favorite styles, the leopard, cheetah and zebra print gowns. Among them, the leopard and cheetah printed gowns are classic, stylish and sexy. The zebra prints look amazing on those who are more daring. To be frankly, most women tend to choose the leopard printed prom dresses to attend in their splendid prom nights or red carpets.

The zebra printed prom dresses are special for some women who want to show off their fashion confidence. But it is also truly that not every woman can hold the wild zebra printed prom gowns in the big and important events, for they even dont have a clear idea whether if the zebra printed prom gowns are really fit for the occasions. if you dont want to go full out with giraffe printed gowns, you can still have animal print accessories like the animal bracelets and handbags. Yes, handbags in animal prints are also adored by many fashionable women who appear in the red carpets or some hot evening dinner party. This lens is about animal print clothes, so what I do is to make you have a good knowledge of the animal printed gowns and animal printed accessories.

I have mentioned above that whether it is in short or long, the animal printed gowns can be stunning. What is the difference between leopard and cheetah spots? Ok, I will show you in some easy words. For example, the cheetah spots are typically much simpler than leopard spots. A real cheetah print will consist of simple black and solid spot. And what is the most important thing is that the leopard spots on the other hand usually are cluster of black spots with some brown regions. And the leopard prints tend to look more like complicated rosettes than just dots, which is the best way to judge the leopard prints from the cheetah prints.

After you have known these, you will be clear in the animal print prom dresses when you are making such selections.

15 Jul

Computer Forensics Chain Of Custody

As the trend for high-specification mobile phones and computers continues at a rapid pace so too does the potential for electronic media misuse and abuse. This kind of fraudulent activity is becoming more commonly seen in legal cases, particularly with employment tribunals. Legal firms are beginning to employ the services of computer forensics experts more widely in documenting electronic evidence and providing litigation support, as this can be crucial in the outcome of cases.

Computer forensics can be used to track and provide evidence in cases of intellectual property theft, money laundering, hacking, moonlighting and the accessing of illegal or inappropriate websites. Digital forensics can also help to secure concrete evidence of illegal activity not usually associated with electronic devices including blackmail, drug dealings and abusive behaviour.

Regardless of whether digital forensics is being used in a criminal case or a civil matter (even as part of an E-discovery exercise), maintaining chain of custody is vital. This is the fully documented tracking of evidence for the period of time that the forensics team has possession of an electronic device. It ensures that each member of the team can be held accountable for any action that they take with the media.

The purpose of this chain is to log the movements of the data, how it has been stored and subsequently analysed. It is essential that this documentation presents an accurate description of any copying, transportation and storage that has occurred, to prevent any potential legal challenge.

It is worth pointing out the differences between e-discovery and computer forensics. E-discovery is the method of processing and manipulating electronically stored information to be used in legal cases. This can take the form of emails, word processed documents, images and any other type of file, which can be filtered, viewed, analysed and categorised effectively via this system. E-discovery using a forensically acquired data set is crucial in maintaining the integrity of any information present, while potentially recovering any deleted material that may be appropriate for the legal proceedings.

Computer forensics is a highly complex industry that requires the latest in product knowledge and technical expertise. Specialists will have years of experience in the on-site capturing of data from computers, servers and other forms of electronic media. This data is then analysed by their forensic analysis specialists, and used to track how a particular device has been used. All areas of the chain of custody documentation will be completed to the highest standard to ensure peace of mind for the client.