31 Oct

Kenya Safari How to make your tour enjoyable

Kenya is one of the most beautiful places in the world for Adventure tours. Here, one can get exciting adventure safari tour by exploring the original wildlife beauty. Kenya is surrounded by scenic beauty that will give you extreme pleasure to remember for entire life. The Wildlife beauty of Kenya will force you to capture each moments not only in your cameras but also in your heart.

However, there are some important points, which you need to follow and some others, which you need not follow:

Let’s start with the money exchange, this is highly recommended not to exchange money in Open Street. That is totally illegal in Kenya. While coming out of your hotel, you will get exciting offers from roadside vendors to exchange money on comparatively higher rates; ignore them and search for government approved money exchange shops for the same. Do not forget to negotiate in your favor; this is very common in Kenya and you will be glad to get better money in exchange.

Be on time, when you are going for the tour in a group, it will be highly appreciated by other group members and also helps the guide to schedule the entire tour in a planned way.

As safari travels will be full of sun stroke and dust, so please carry a bottle of water, a sunscreen lotion, an umbrella, a sunglass and a hat.

It is advisable to avoid taking photographs of local people without their permission. Even taking photograph of government officials, military force, highly restricted areas, police are also banned in that country.

Carry all the credentials and the valuables with you every time when you are going out from your hotel. A small ignorance can hamper your vacation; possibly, you may get perturbed.

The streets are not secure at night in all the big cities and towns, so it is better to avoid roaming on the streets at nights.

Moreover, to enjoy safe and secure tour, it is suggestible for all you people to consider the above given information.

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31 Oct

Special Express Trains Between Howrah-yeswantpur

Indian Railways run Special Express Trains between Howrah and Yeswantpur to avoid extra hustle and bustle.
Howrah-Yeswantpur Express Train (0805) leaves Howrah at 06.45 p.m towards Yeswantpur and reaches Yeswantpur at 06.30 a.m.
Similarly Yeswantpur-Howrah 0806 Special Express leaves Yeswantpur at 11.55 p.m. and reaches Howrah at 12.40 p.m.
Howrah-Yeswantpur Express will comprise of two General Second Class coaches, Guard-cum-Luggage vans, Sleeper Class, Air Conditioner-2 tier coaches and Air Conditioner- 3 tier coaches.

New menu in Bengal Rajdhani
The regular travellers between New Delhi and Sealdah or between New Delhi and Howrah by the fast moving Rajdhani Express have some surprise. The ideal Bengali dishes ie. Fish and rice, have been now been commenced in this prominent train of the Indian Railways. Railway Minister Mamta Banerji took this decision immediately after assuming the office. This was appreciated by all Bengali passengers.
The honourable Railway Minister is trying to improve the food quality and catering system on the priority basis. IRCTC has now introduced certain food items which were removed from the menu during the term of the former railway minister Lalu Prasad Yadav.
Cheese sandwich, sandesh, samosa/kachori etc are some food items added to the menu list. The travellers are offered tempting Knorr soup of varied flavours. There are variety of non-vegetarian items as well like chicken, fish curry and many more. The passengers can avail the facility of tempting dinner as there is large variety for them to choose from peas pulao, jeera rice and veg pulao, peas paneer, veg kofta shahi paneer and varieties of parathas are also available.

Deccan Queen celebrate 80 Years
The Deccan Queen commenced on June 3, 1930. It is among Indias most loved trains. This train was started under the British regime in India on the weekly basis between Mumbai to Pune, but later it was converted into but later it was converted to a daily service. The train leaves the Pune central railway station for Mumbai at quarter past 7 in the morning and it reaches Mumbai at half past 10 a.m. This train runs for a distance of around 192 kilometers. It is esteem for Drivers of Indian Railways to drive the Deccan Queen. The Deccan Queen is the only Indian train to get the ISO 9000 certification. This is also the only train to offer the facility of dining car at the short distance. The train comprises of 16 coaches which also includes the engine.

31 Oct

Getting Legal Help for Mortgage Modification

Apart from losing your property, a foreclosure may also mean a negative impact on your credit score. How do you prevent this from happening? Sometimes, financial problems may lead to failure in mortgage payments that inadvertently lead to foreclosure. In such a situation, a mortgage modification may be an effective solution.

How do you approach this? It is necessary to get advice from a real estate attorney to handle it properly. He/she would have in-depth knowledge of the Illinois laws relevant to the matter. The following tips could help if you are trying to get a modification to the mortgage plan.

Plan every detail. Initially, this was available for homeowners in default, for a period of 90 days. However, nowadays, this is not a requirement. If your financial situation seems grim, it is better to plan even before you actually default on your loan. This gives you enough time to prepare for it.

Get legal advice. Consulting a real estate attorney in Chicago can be of immense help. A legal professional specializing in loan modification may help you with the planning and negotiation. Moreover, he/she could also help you find out the actual lender, whom you have to negotiate with to avoid foreclosure.

Gather all relevant documents. You would need to provide your lender adequate details pertaining to your financial situation, especially the income and expense details. Therefore, you need to gather documents like your pay-stubs, income tax return, savings and other assets, second mortgage or other credit and so on.

Prepare the hardship letter. This helps the lender understand the reason you got into the financial mess. Explain the details of your situation, and the reasons for it, in simple and lucid terms. Do not exaggerate or fabricate. Do not write a very long letter (no lender would have the patience of going through a five page letter).

Negotiate with patience. You can do it on your own if you have enough knowledge and experience. Get your attorney for help if you are not very confident. Do not settle for an amount that you would be unable to pay. Negotiate with the lender in the presence of your attorney. Still better, let the attorney do it on your behalf.

Finally, do not opt for an attorney who asks for upfront fees. You may be in for a shock as many such services are fraudulent. Choose a reputed and reliable legal advisor to prevent the foreclosure.

If you have come across any legal issues and do not know what to do and whom to ask, exploit this Houston Lawyer Directory to hire a professional lawyer to deal with your case.

31 Oct

CIMB Niaga Net Income Reaches Rp 1 Trillion, Grow 12%

PT Bank CIMB Niaga Tbk recorded a consolidated net profit (unaudited) of Rp 1.05 trillion as of March 31, 2013, an increase of 12% compared to the net income in the same period in 2012 amounting to Rp 937 billion.

This results in a net profit growth of earnings per share (EPS) amounted to USD 41.94, greater than the figure in the same period last year of Rp 37.26.

CIMB Niaga’s net profit increase was contributed by the increase in operating income and a decrease in provision expense, along with the total credit growth and asset quality improved.

In the first quarter of 2013, managed to keep its position as the fifth largest bank, with total assets of Rp 217.46 trillion as of March 31, 2013, grew 26% compared to the first quarter of 2012 amounted to Rp172, 68 trillion.

As of March 31, 2013, CIMB Niaga has distributed a total gross loans amounted to Rp 147.06 trillion, up 13% from the same period in 2012 amounted to Rp 129.83 trillion.

Along CIMB Niaga step in mobilizing public funds, total deposits (deposits) grew by 26% to Rp 167.32 trillion, compared to the prior year period which amounted to Rp 133.23 trillion, which is supported by the growth of CASA (Current Account Savings Account) by 31% to Rp 77.73 trillion.

In terms of credit quality, the ratio of non-performing loans (non-performing loans) CIMB Niaga’s gross per March 31, 2013 stood at 2.41%, a decrease of 28 basis points compared to the first quarter of 2012 amounted to 2.69%.

President Director of CIMB Niaga, Arwin Rasyid said of CIMB Niaga’s total loan portfolio in the first quarter of 2013, the Commercial Banking contributed the largest value of Rp 59.60 trillion (40%), followed by Consumer Banking amounted to Rp 45.09 trillion (31%), and Corporate Banking at Rp 42.37 trillion (29%).

“Personal Loan and Micro business rate became the highest growth, respectively 75% and 56%. As of March 31, 2013, Personal Loan managed loan portfolio to Rp 1.07 trillion, and a big four bank Personal Loan largest dealer Indonesia, “Arwin said in a press release on Monday (29/04/2013).

While, micro-lending rate has amounted to Rp 2.29 trillion as of March 31, 2013, grew 56% over the same period last year. Micro business growth rate is in line with Bank Indonesia regulations that require banks to continue to increase the share of SME loans (SMEs) by 20% of the total loan portfolio in stages until 2018.

Sharia (UUSs) CIMB Niaga also recorded good growth. As of March 31, 2013, UUS CIMB Niaga has disbursed Rp 8 trillion, an increase of 135% yoy. Rahn also recorded growth businesses (mortgage) which surged 114% to Rp124 billion compared to the same period in 2012.

31 Oct

Animal Hospitals Taking Your Pet To The Best

If you have a pet at home you will know all about making sure that it stays out of harm’s way. However, sicknesses can hit at any time and the cause might be totally unavoidable. For instance, old age might bring with it a lot of health complications. For a young animal too, illness can strike at any time and so can injuries. That’s why you need to find the best of all animal hospitals. Williamsport, PA pet owners leave no stone unturned when it comes to the well being of their pets.

There might be quite a few medical facilities out there that cater to the needs of animals but not all of them will have the resources to handle all sorts of veterinarian issues. Therefore, it is vital you go to one that can give you all round medical help. This is perhaps the most important point that needs to be taken into consideration while in the hunt for a veterinarian center.

As time passes by, your pet becomes a member of your family and everyone gets emotionally attached to the animal. If your pet falls sick or injures itself while playing, then you need to know of a place where you can take him/her for immediate medical treatment. There are a wide range of problems that could come up and the animal hospital you rush to should have the medical devices and staff to take care of your pet.

For many pet owners, the biggest problem is finding a medical center that has experienced medical staff working there. You need to do a little research on your own if you want to find out about the reputation of a veterinarian. Once you are sure that the vets operating at a particular center can handle all sorts of animal health problems you don’t need to worry about anything else. However, you need to be careful of hospitals that are not adequately staffed and/or equipped to deal with emergencies and other medical complications.

At the end of the day, you will not find it hard to locate animal hospitals. Williamsport, PA pet owners pick out a few names and get down to choosing the best. This is a smart method to adopt as you don’t have to spend too much time browsing through all the options out there. Select a few well known ones and contact one that seems the most reliable of the lot.
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Animal hospitals Williamsport, PA – Searching for the best of all animal hospitals? Lewis Veterinary Clinic is the one you can rely upon for top quality treatments and satisfactory services.

31 Oct

Seeming Infertility Can Be Solved By Yoga Poses

The second half of the preceding century showed a rising number of partners facing difficulties at conception, along with a growing number of women delaying pregnancy until their 30s or 40s. It is a biological reality that womens capacity for conception beyond the 30s diminishes. Thus, many women and couples have learned to resort to medicinal assistance to getting pregnant.

Any effort at getting pregnant can douse a woman with so many anxieties and emotional stresses, more so if that attempt to conceive calls for going through fertility treatment or IVF. Increasingly, physicians are endorsing yoga, combined with the medical treatment. This is to help relieve their stresses, and at the same time, boost their chances at conceiving.

A Harvard research shows a greater number of odds, at least three times more, favoring those whose fertility treatments are boosted by yoga done in synch with the treatments”.

What does yoga have to do with priming up the womans body to conceive and get pregnant?

It is already a generally-accepted fact that stress is one huge setback for a couple conceiving with difficulty . Stress can disrupt a womans regular cycles so as to cause a hindrance to ovulation in women and sperm production and/or motility for the men. Yoga, thus, serves as emotional release, that enables relief of anxiety and stress, presenting more chances of pregnancy.

Regular performance of yoga can 1) increase the couples development towards each other 2) reinforce and intensify their relationship, and 3) grant them the capacity to jointly deal with the pressure of attempting to conceive a baby.

Yoga courses directed at fertility enhancement assist a womans capacity to conceive in other ways. There are postures that are concentrated on enhancing the flow of energy in the second chakra, the seat of creation, the area where the reproductive organs are located. There are also re-freshening postures that guide the body in preparation for conception. These help relax the abdominal region, eliminating tension from the area of the ovaries,uterus and fallopian tubes. Prone postures extend the abdominal area, thus allowing more blood to circulate to the reproductive organs.

There are also poses specifically performed after sex that effectively work on women’s capacity to conceive. The “Vipartita Kirani,” where the legs are put up on the wall, is a common one. This is to make certain that the sperm remains in the best spot for fertilization, for as long as it is possible.

Finally, yoga can correct erratic hormonal levels which may be the reason for the infertility. There are yoga postures that improve gland functioning, which helps stabilize the hormone levels.

There is no one single report that Yoga, by itself, can promote pregnancy. But regularly doing the postures for fertility concerns can greatly diminish the stress and anxiety of attempting pregnancy.

Coordinated medical treatments and yoga-directed programs certainly prepares the body and mind towards pregnancy and increase possibilities of conception, finally making your hoped-for baby closer to reality.

31 Oct

Shop Online For The Perfect Ladies duvetica Leather Jacket

Combined thing that you force out equal don’t mention it of with a ladies leather jacket is that it will never go out of style. These women duvetica are just as popular and stand as a fashion icon today just as much as they did a very long time ago. They are changing in their styles as well as many varieties of options that can be added to the leather jacket. Habituating the web, comprises a capital resource to find all types of leather jackets at very affordable prices. You can find the older types as well as the new styled jackets of today.

A noblewomen leather jacket equals real versatile in the fact that it can be worn for many assorted kinds of social function*. It dismiss embody worn through just about any type of weather since leather is a very durable material. If a ladies jacket is taken care of, it can last for many geezerhood. These jackets are mobile likewise incoming the know-how that they look. Between all the different styles, colors, and lengths, you will be able to find just the right jacket that fits you perfectly.

The most popular women jacket is a black blazer style jacket. These jackets will come in various lengths but the jacket that usually comes to the waist is the most popular. Many women decide to choose black because it goes with any type of outfit they may get under the duvetica jackets . In that respect are in addition to these jackets that add styled sippers and bags to them as easily since suede overlays in specific decorative areas of the jacket.

Buying a ladies leather jacket online is as easy as finding the right online store or auction and simply putting in your information. Your jacket will shortly be shipped straight to your home. These jackets are usually shipped with a thin paper in between the flexures of the jacket. This earmarks the leather to breathe so that it will not sweat when it is leather on top of leather. This could actually damage the leather, to some extent. You want to make sure you purchase your jacket from a retailer who knows the ins and outs of leather material.

31 Oct

New Generation Of Online Gaming Virtual Pets

Most parents consider the idea of getting a pet for their child. After all, it can be a lot of fun and it can teach kids about responsibility. Unfortunately, the bulk of the responsibilities that come with owning a pet typically land on the parents shoulders. This is why parents who are tired of cleaning up after their kids pet dog welcome the boom of online games where kids can get virtual pets. With a virtual pet, children can enjoy many of the same experiences that they would with a real life pet. The only difference is that it takes place in a virtual worldwhich means less work for parents.

When adopting a virtual pet, your child can choose whatever type of pet they want, including a wide variety of the usual dogs and cats. Once they have picked out their virtual pets, it will be up to them to take care of their pets. They will need to go online to make sure that their pets have food and water. They will also need to attend to their pets when they fall ill.

Aside from taking care of the pets needs, your child will also be able to dress it up with costumes, build it a house to live in, and play mini games with them to earn virtual money and level up. Some virtual pet online games also have a feature where the pets can go to school or work. This type of interaction is great for teaching children the basics of owning a pet, and even better, it can keep them entertained for hours.

In addition to the enjoyment they get from interacting with their pet, with virtual pet adoption, your child will also have the opportunity to play educational games for them to earn game points. They can use these points to level up, as well as to earn virtual money to purchase virtual pet supplies. Most sites that offer you the ability to adopt a virtual pet also offer a safe social networking environment where your child can interact with other children. This can help them learn how to get along with kids their age from other countries.

For your kids to play this new type of online game, you must first find a website that enables your kids to adopt a virtual pet. There are some websites that charge a small membership fee to adopt a virtual pet, but they offer a lot of interaction in return.

If you have been trying to find a way to keep your children entertained on those days when theyre really bored and cant find anything to do, you may want to think about registering with a site where you can adopt a virtual pet. Your kids will love it, and so will you.

31 Oct

The products of Ecuadorian art is rich in cultural heritage

Any type of art is a manifestation of culture and tradition of the people. The art reflects the indigenous imagination of the artist which speaks of the heritage of the past tradition. The Ecuadorian art truly expresses the tradition of the people through the varied form of paintings, and crafts work. Each zone has its own craft and art tradition. As per the historical records available, the art of weaving originated from the people of Ecuador. It is true that they learned the art from Spanish people, the people of Ecuador created unique piece of art crafts by adding their originality. You can admire the nativity of the region from which the painting is done. In the north of Ecuador, people made various products like gloves, caps, coats and scarf from the wool obtained from goats.

If you happen to visit Otavalo you would admire the beauty of crafts-work done on gloves and caps in rich colored woolen clothes. It is a city famous for weaving and handicrafts products. Most of the products are exhibited in the markets for the benefit of the tourists and some are exported to different parts of the world. The people of Otavalo use plant fibers for making bags, and backpacks of varying sizes.

Contrary to the North, the Southern part of Manabi city uses straw as their major source for making crafts work. They use bleached strips of palm leaves for making big hats, which are well known as Panama hats in the province. The hat is best put to use by the people living in hot climatic regions or in other countries during summer. From Manabi these hats are getting exported to various countries like America, Europe and other Asian countries. In the province of Cotapaxi people use clay and mud for making earthen pots and vases and various other household products. In some parts of Ecuador, the artist use leather for making clothes and apparels. You have paintings and colorful imagination of creativity in the trousers, gloves and jackets made of leather.

The capital city of Quito is famous for its handicrafts market called Mercado Artesanal. The visitors can explore the crafts of artisans and the masterpiece of Ecuadorian art is reflected on the goods sold in the market. You can come across various form of arts-work in the colorful Indian apparels sold in the market. From wooden paintings to jewelry, from hats to woolen blankets you can buy range of products in many parts of Ecuador. In any of the arts work you can see the expertise of the native people and the rich cultural heritage of Ecuador.

Posted in Art
30 Oct

Venison Recipe Using Fresh Herbs-rosemary, Bay Leaves, Oregano

Some cooking tips and recipes on cooking venison, deer meat, using fresh herbs.

Most venison is overcooked which is a shame. If the venison was not “aged” upon harvest a good remedy to remove any “gamey” flavor is to marinate the meat for 24 – 48 hours to remove that flavor in a red wine. If youve had carpaccio with the seared outside, red inside, it is very similar to the below venison recipe which is exceptionally tasty.

Garlic salt and ground pepper on outside, after marinating in a cheap crappy red wine for 24 hours ( cant use my good drinking stuff! J)

Sear venison in very hot skillet for approximately 2 minutes per side,

Put in baking pan, ran a rosemary stem lengthwise through meat and put rosemary leaves around it in baking pan,

Also knowing how rare the meat was with no sign of any visible fat, all lean, so I smeared couple pats of butter along top edge so when goes in over would keep moist and meld flavors,

Boil some potatoes and small carrots in bay infused water for about 10 minutes to precook them,

Mixed the veggies in pan with venison and tossed veggies lightly with rosemary,

Oven had been preheated to 500 so put pan with meat in oven and immediately turned temperature down to 350 and baked for 10 minutes,

Out of oven, sit for 5-6 minutes for juices to stabilize, and slice into medallions for a perfect meal.

The venison medallions can be served on rice, alone, or on top of bulgur wheat simmered in beef stock.

Serve with fresh cabbage that has been simmered in chicken stock and a good rye bread and bottle of nice Cabernet, or Pinot blend.

Other options for less lean venison cuts is venison burgers or ground venison and make chili, lasagna, etc. or do some roasts. Slow cooking in crock pot heals all cooking faults!

Also can do above recipe using these additions:

Take thyme, sage, add a little splash of Worchester Sauce and also a splash of a good balsamic vinegar to the tenderloina and place into a 500 degree oven for about 5-7 min.

Deer Tenderloin should be warm only on the inside and is best served rare with any sauce left to pour over and serve it on rice or potatoes with green beans.

Also, no need to marinate, if it is aged first, if you are the hunter and harvest the deer yourself. When possible age at least a week and can age up to 3 weeks, especially an older buck or doe. Minimum aging is one week, even young deer, and may be why venison turns out to be so good without the above marination. However that is only possible if you are the hunter and can age immediately. Deer venison can not be left unbutchered for any significant time period after felling.