Friday, September 28, 2012

Cool and Crazy Birthday Fonts

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  4. ๓คภא ๓คภא ђคקקא гƹ╬ยгภร ๏Ŧ ╬ђƹ ワคאஇ
  5. →m@ñม m@ñม Ħ@ρρม r€┼นrñ§ ●f ┼Ħ€ d@ม←웃
  6. ●๋•máńý máńý háppý ŕể✝ừŕńک őf ✝hể dáýツ
  7. MΔПΥ MΔПΥ サΔPPΥ ЯΣƬЦЯПƧ ӨF ƬサΣ DΔΥ︻┳╦═─
  8. ▬╡ᄊム刀リ ᄊム刀リ んムアアリ 尺乇イu尺刀丂 ۞キ イん乇 dムリ╞▬
  9. ⓜⓐⓝ㋡ ⓜⓐⓝ㋡ ⓗⓐⓟⓟ㋡ ⓡⓔⓣⓤⓡⓝⓢ ⓞⓕ ⓣⓗⓔ ⓓⓐ㋡
  10. ܔܢܜܔMaNy mAnY HaPpY ReTuRnS Of tHe dAy(๏̯͡๏) 
  11. ╰» мαηy мαηy нαρρy яєтυяηѕ σƒ тнє ∂αy

Hack Facebook Chat History

1) Open Friends profile.
2) Right Click on the Poke and Select Copy Link Location. Now we have the ID in our Clipboard.
3) This will exactly look like :
 http://www.facebook.com/profile.php?id=XYZ
( where XYX can be any numbers and this XYZ is nothing but the ID ).
4) Now in the Address Bar type "javascript:Chat.openTab(XYZ)" (without qoutes) and press Enter.
5) Now it is done.
6) You can see full Chat History now.

24 Mortgage Tips and Tricks [13-24]

13. Stay informed – don’t forget about your mortgage
With any long-term commitment, there is always the temptation to let your mortgage roll
along, make your repayments as they fall due and think as little about it as possible. As long as you keep up the repayments, there’s not much else you need to do, right?


14. Get a cheap rate and invest the difference
When interest rates are low, like now, it is usually safe to say that inflation is also low. Thus, bricks and mortar may not be the best place to invest. Try getting the cheapest home loan you can find and make the minimum repayment. This allows you to use the extra cash to invest in other, more profitable areas.


15. Run an offset account
Instead of earning interest, any money you have in your offset account works to offset the
interest you are paying on your home loan. For example you may have a mortgage of
$300,000 at 7.07 percent and an offset account with $50,000 in it earning 3 percent.


16. Pay all your mortgage fees and charges up front
Some lenders allow you to add the amount you borrow instead of coming up with cash for
your upfront costs. While this can seem a blessing try to avoid doing this.


17. Pay your first installment before it’s due
With most new loans, the first installment may not become due for a month after settlement. If you can manage it (and your lender will let you), pay the first installment in the settlement date. If you do this, you will be one step ahead of the lender for the term of your loan. Every little bit counts.


18. Shop around and make sure your lender knows it
One of the most powerful tools you can have in the search for the best home loan is
information. Make sure you have rung half a dozen lenders and brokers (as well done some internet research) before you start talking to your preferred lender about getting a new loan or refinancing your existing loan.


19. Make sure your loan is portable
If there is any chance that you will move house during the course of your loan (and let’s face it, there is a strong chance), make sure that your lender will allow you to transfer your loan to a new property and that it won’t charge you the earth for the privilege.


20. Avoid bringing finance
Someone once said bringing finance is so called because it allows you to “pylon” the debt.
The joke’s appalling, but so is bringing the finance. Unless you get your timing right you could find yourself with two home loans at the same time – with the bringing finance element costing you an extra couple of percent premium on the standard variable rate.


21. Choose the loan that suits your needs
Choosing a loan is about knowing what you want. Draw up a table of potential home loans
and rank them. Make a list of all the features that are important to you and rank them
according to importance. Give each feature a score out of 5 – one for unimportant right
through 5 for indispensable.


22. Don’t be afraid of smaller lenders with cheap rates
Since the advent of the mortgage managers over the past five or six years there’s been a lot
of talk about smaller and “non-traditional lenders” and how they have forced interest rates
down. With the property boom, plenty of opportunities sprang up for smart lenders with low fees willing to take on traditional lenders and many have done very well indeed.


23. Find out if your profession will get you a discount
Some lenders offer discounts to specific professional groups or members of professional
organizations. Ask your lender if your occupation qualifies you for any discount. You might be pleasantly surprised.


24. Read all about it
Information is your greatest weapon against the mortgage monkey, which has taken up (or is about to take up), residence on your back. By staying informed about what is going on in the home loan market, you might be able to stay a step or two ahead of your lender. And if you can stay one step ahead, you are already on your way to paying of your mortgage faster.

24 Mortgage Tips and Tricks [1-12]


1. Skip the honeymoon
Beware of lenders bearing gifts. Introductory or honeymoon rates have long been an
important marketing tool for lenders. You are initially offered a cheap rate on your loan to get you in the door but once the honeymoon period is over, the lender will switch you to a higher variable rate of interest.

2. Make repayments at a higher rate
A good way to get ahead of your mortgage commitments is to pay it off as if you have a
higher rate of interest. Get a loan at the lowest rate you can and add 2 or 3 points to your
repayment amount. So if you have a loan at about 7 percent and pay it off at 10 percent,
you won’t even notice if rates go up. Best of all, you’ll be paying off your loan quicker and
saving yourself a packet.

3. Pay it off quickly
Time is money. There are all sorts of strategies for paying less interest on your loan, but most of them boil down to one thing: Pay your loan off as fast as you can. For example, if take out a loan of $300,000 at 7.07 percent for 25 years, your repayment will be about $2,134. This equates to a total repayment of $640,126 over the term of your loan.

4. Make more frequent payments
The simple in life are often the best. One of the simplest and best strategies for reducing the
term and cost of your loan (and thus your exposure should interest rates rise) is to make your repayment on a fortnightly rather than monthly basis. How can this make a difference I hear you ask?

5. Hit the principal early
Over the first few years of your mortgage, it may seem that you are only paying interest and the principal isn’t reducing at all. Unfortunately, you’re probably right, as this is one of the unfortunate effects of compound interest. So you need to try everything you can to get some of the principal repaid early and you’ll notice the difference.

6. Get a package
Speak to your lender about the financial packages they have on offer. Common inclusions
are discounted home insurance, fee-free credit cards, a free consultation with a financial
adviser or even a fee-free transaction account. While these things may seem small beer
compared to what you are paying on your home loan, every little bit counts and so you can
use the little savings on other financial services to turn them into big savings on your home
loan.

7. Consolidate your debts
One of the best ways of ensuring you continue to pay off your loan quickly is to protect
yourself against interest rate rises. If your home loan rate starts to rise, you can be absolutely positive about one thing – your personal loan rate will rise and so will your credit card rate and any hire purchase rate you happen to have.

8. Split your loan
Many borrowers worry about interest rates and whether they will go up but don’t want to be tied down by a fixed loan. A good compromise is a split loan, or combination loan as they are often known, which allows you to take part of your loan as fixed and part as variable. Essentially this allows you to hedge your bets as to whether interest rates are going to rise and by how much.

9. Make your mortgage your key to financial product
Mortgage products known as all-in-one loans or 100 percent offset loans allow you to use
your mortgage as your key financial product. This means you have one account into which
you can pay all of your income and draw from your living expenses by using a credit card,
EFTPOS or a chequebook, as well as making your mortgage repayments.

10. Use your equity
If you have already paid off some of your home, you are said to have equity. Equity is the
difference between the current value of your property and the amount you owe the lender.
For example, if you have a property worth $500,000 on which you owe $150,000, you are said to have home equity of $350,000, which you can re-borrow without having to go through the approval process by accessing it through your existing loan.

11. Switch to a lender with a lower rate
It may sound like a simple idea but switching out of your current loan and taking out a loan at a lower rate can mean the difference of years and thousands of dollars. If you have a loan that is tricked up with all the features, or even if you have a standard variable loan, you might find that you could get a no frills rate that is as much as a percentage point cheaper than your current loan.

12. Forgo those minor luxuries
This is the bit you don’t want to read. Once you have a mortgage, your life is likely to be
luxury-free (or at least pretty close it it). Think of all the weight you will lose by giving up your favorite indulgent snack. For the sake of your health you should quit smoking and drink less anyway. Take your lunch from home and save on bad fast food. Trust me, your body will thank you for it.

Signs of ancient stream discovered on Mars by Curiosity


The NASA rover Curiosity has beamed back pictures of bedrock that suggest a fast-moving stream, possibly waist-deep, once flowed on Mars -- a find that the mission's chief scientist called exciting.

There have been previous signs that water existed on the red planet long ago, but the images showing pebbles rounded off, probably by water, offered the most convincing evidence so far of an ancient stream-bed.

World's top 100 universities 2012




2012 reputation rank2011 reputation rankUniversityCountry2011-12 World University Rankings position
.
11Harvard University United States2
.
22Massachusetts Institute of Technology United States7
.
33University of Cambridge United Kingdom6
.
45Stanford University United States2
.
54University of California, Berkeley United States10
.
66University of Oxford United Kingdom4
.
77Princeton University United States5
.
88University of Tokyo Japan30
.
912University of California, Los Angeles United States13
.
109Yale University United States11
.
1110California Institute of Technology United States1
.
1213University of Michigan United States18
.
1311Imperial College London United Kingdom8
.
1415University of Chicago United States9
.
1523Columbia University United States12
.
1616Cornell University United States20
.
1617University of Toronto Canada19
.
1814Johns Hopkins University United States14
.
1922University of Pennsylvania United States16
.
2018Kyoto University Japan52
.
2119University College London United Kingdom17
.
2224Swiss Federal Institute of Technology Zürich Switzerland15
.
2321University of Illinois at Urbana Champaign United States31
.
2327National University of Singapore Singapore40
.
2531University of British Columbia Canada22
.
2529McGill University Canada28
.
2725University of Wisconsin-Madison United States27
.
2826University of Washington United States25
.
2937London School of Economics and Political Science United Kingdom47
.
3035Tsinghua University China71
.
3134University of California, San Francisco United States#N/A
.
3231University of Texas at Austin United States29
.
3336Duke University United States22
.
3451-60New York University United States44
.
3540Northwestern University United States26
.
3630University of California, San Diego United States33
.
3728Carnegie Mellon University United States21
.
3843Peking University China49
.
3942The University of Hong Kong Hong Kong34
.
3919University of Massachusetts United States64
.
4139Georgia Institute of Technology United States24
.
4248Ludwig-Maximilians-Universität München Germany45
.
4345University of Melbourne Australia37
.
4451-60Australian National University Australia38
.
4438University of California, Davis United States38
.
4641University of North Carolina at Chapel Hill United States43
.
4743University of Minnesota United States42
.
4747Purdue University United States98
.
4945University of Edinburgh United Kingdom36
.
5051-60The University of Sydney Australia58
.
51-6049Delft University of Technology Netherlands104
.
51-6051-60Karolinska Institute Sweden32
.
51-6061-70University of Manchester United Kingdom48
.
51-6051-60The Ohio State University United States57
.
51-6050Osaka University Japan119
.
51-6061-70Pennsylvania State University United States51
.
51-6051-60University of California, Santa Barbara United States35
.
51-6051-60Seoul National University Korea, Republic of124
.
51-6051-60Tohoku University Japan120
.
51-6051-60Tokyo Institute of Technology Japan108
.
61-7071-80École Polytechnique Fédérale de Lausanne Switzerland46
.
61-70#N/AHebrew University of Jerusalem Israel121
.
61-7091-100The Hong Kong University of Science and Technology Hong Kong62
.
61-7071-80Humboldt-Universität zu Berlin Germany109
.
61-7061-70King's College London United Kingdom56
.
61-7061-70Technische Universität München Germany88
.
61-7051-60University of Pittsburgh United States59
.
61-70#N/AUniversity of São Paulo Brazil178
.
61-7071-80University of Southern California United States55
.
61-7081-90National Taiwan University Taiwan154
.
71-8081-90University of Amsterdam Netherlands92
.
71-8081-90Universität Heidelberg Germany73
.
71-8071-80Michigan State University United States96
.
71-80#N/AUniversité Paris-SorbonneFrance#N/A
.
71-8081-90The University of Queensland Australia Australia74
.
71-8081-90Texas A&M University United States164
.
71-8061-70Uppsala University Sweden87
.
71-8071-80Utrecht University Netherlands68
.
71-8071-80Washington University in St Louis United States41
.
71-8061-70University of ZürichSwitzerland61
.
81-90#N/ABrown University United States49
.
81-90#N/AThe Chinese University of Hong Kong Hong Kong151
.
81-9061-70University of Florida United States125
.
81-9081-90Katholieke Universiteit Leuven Belgium67
.
81-9091-100Korea Advanced Institute of Science and Technology Korea, Republic of94
.
81-9081-90University of Leeds United Kingdom133
.
81-9081-90Leiden University Netherlands79
.
81-9071-80Lund University Sweden80
.
81-9091-100Nanyang Technological University Singapore169
.
81-90#N/ATel Aviv University Israel166
.
91-10071-80University of Arizona United States97
.
91-10061-70Boston University United States54
.
91-10081-90University of Bristol United Kingdom66
.
91-10061-70École Polytechnique France63
.
91-10081-90Indiana University United States123
.
91-100#N/AMiddle East Technical University Turkey276-300
.
91-100#N/AUniversité Paris-SudFrance#N/A
.
91-100#N/AUniversité Pierre et Marie Curie France84
.
91-10071-80Rutgers, The State University of New Jersey United States81
.
91-100#N/AWageningen University and Research Center Netherlands75

England v/s West Indies T20 WC 2012

ICC World Twenty20 - 14th match, Group 1
West Indies won by 15 runs






Ke$ha

Kesha Rose Sebert, known professionally as Kesha, is an American singer-songwriter and rapper. In 2005, at age 18, Kesha was signed to producer Dr. Luke's record label, Kemosabe Entertainment, and publishing company. Wikipedia

Ke$ha says her new song "Supernatural" is about her "erotic experiences" ... with a ghost. "It's about experiences with the supernatural... but in a sexy way," she told Ryan Seacrest on his KIIS FM radio show. "I had a couple of experiences with the supernatural. I don't know his name! He was a ghost! I'm very open to it."
Born: March 1, 1987 (age 25), Los Angeles
Full name: Kesha Rose Sebert
Height: 1.78 m



Tik Tok2009Tik Tok
We R Who We R2010Animal + Cannibal
Blow2010Animal + Cannibal
Your Love Is My Drug2010Animal
Take It Off2010Animal
Cannibal2010Animal + Cannibal
Blah Blah Blah2010Animal
Kiss N Tell2010Animal
Animal2010Animal
The Harold Song2010Animal + Cannibal
Dancing With Tears In My Eyes2010Animal
D.I.N.O.$.A.U.R.2010Animal
Sleazy2010Animal + Cannibal
Crazy Beautiful Life2010Cannibal
Right Round2009Now!, Vol. 14