Wednesday, September 17, 2008

Chinese cell phone Counterfeit- A real problem

How do you like to get your hands on a cool cellphone? These cell phones have every gadget you can imagine. Touch screen, camera, Bluetooth and even TV. So everything you can imagine in a cell phone. And the price so low- too good to be true.

But these cell phones come with a big risk. If the battery explodes you are stuck with it and the chances are cell phone won’t be exchange. You can bet these cellphone haven’t been checked for radiation. Radiation too much can cause a serious damage to your health and you will not turn into a Spiderman. These cell phones also don’t have IMEI or a fake IMEI. IMEI is the identification number of a cell phone. No IMEI in a cell phone is like a car without a license plate. So buy carefully and check thoroughly.

Friday, August 8, 2008

Dota Map 6.54

dota 6.54

New DOTA 6.54 was released by Getdota just a few weeks after DOTA 6.53 . There are many changes made in this map including the DOTA HEROES in which involved Shadow Priest,Invoker,Phantom Lancer and Abanddon. Here are some of the DOTA HEROES changes

6.54 Changelog
================
* Added extra dynamic replay data to help replay parsers present in-game data (
* Rebalanced Invoker
* Reworked Shadow Priest
* Various changes to Phantom Lancer and Spirit Lance
* Changes to Aphotic shield and Borrowed Time

Source from Getdota.com

Friday, March 28, 2008

Reality Check: Half of Households Have No Credit Card Debt


If you’ve ever heard that the average household carries $9,000 of credit card debt and thought that you were ok with your balance, think again. In reality, half of American households have no credit card debt at all and nearly a quarter more have less than $2,200 in credit card debt.

There are both times to have and places to carry debt, even large amounts of it. But at no time should the place to carry that debt be a credit card. For many, credit cards are a strategic financial tool used for interest free loans, travel rewards and even cash back. For others, credit cards are an extension of income and that is when things can go very wrong.

There was an article published recently at CreditCards.com with the results of a study fielded by GfK Roper Public Affairs and Media and sponsored by CreditCards.com that was touted as a “benchmark report [that] delves into every aspect of credit cards’ role in people’s lives: how Americans use, manage, understand, select, and feel about credit cards.”

One paragraph in Taking Charge: America’s Relationship with Credit Cards reads: “By some estimates, the average American household has over $9,300 in credit card debt. Yet, despite Americans’ concern about their spending habits, few people are willing to own up to their balances: over 90 percent of survey respondents believe they had the same amount – or less – debt as the average American.”

The report wanted us to believe that everyone either lies about their credit card debt or that they are in denial about it. The response however matches the numbers from the Federal Reserve Board’s Survey of Consumer Finances. More than 90 percent of American households do have less than $9,300 in credit card debt. The respondents weren’t lying or in denial. The question that was asked implied that the average American has more than four times the amount of debt they actually have, so they all said, “No, I have less.”

When you take all the credit card debt there is and divide it by the number of people who have that debt, you would end up with a figure of around $9,000, giving you, yes, the average credit card debt. But what the average number doesn’t tell you is that if my brother and I are eating a Dilly Bar at Dairy Queen with Warren Buffet and Bill Gates, the average net worth between the four of us is $22.5 billion. In reality, my brother and I have nothing and Warren and Bill have it all. You see the problem with average.

For an update on the numbers, the Federal Reserve Board should conclude this month with their 2007 Survey of Consumer Finances. This survey dates back to 1962, but has been conducted triennially since 1983 to provide a representative picture of what Americans own—from houses and cars to stocks and bonds. It also gives an updated view of how and how much consumers borrow and how they bank. Naturally, the numbers go up, about the same, every year. From 1990 to 2000 debt doubled.

“The results of the survey will fill a gap in our knowledge about the financial circumstances of different types of households," Ben S. Bernanke, Chairman of the Board of Governors of the Federal Reserve System, said in a letter to prospective survey participants. Past study results have been important in policy discussions regarding pension and social security reform, tax policy, deposit insurance reform, consumer debt and a broad range of other issues.

Summary results for the 2007 study will be published in early 2009 after all data from the survey have been assessed and analyzed. Until then, we now have the finalized data from the 2004 survey.

According to the 2004 Survey of Consumer Finance, more than half of all households, 53.8 percent have no credit card debt. About half that number, a quarter of all households, report having no credit card whatsoever. The other chunk, nearly 29 percent of all households, pay off their balances every month.

Of the 46 or so percent of households that carry some amount of credit card debt, the median balance, or the number in the middle, is $2,200. That means that half of the roughly 46 percent of American households that carry credit card debt have less than $2,200 in credit card debt; the other half owes more.

If all the numbers from the 2004 Survey of Consumer Finances are understood and interpreted correctly, that would indicate only 23 percent of households have more than $2,200 in credit card debt. About 8.3 percent of them carry $9,000 or more. In other words: it is not normal to have high amounts of credit card debt. If you have it, you have a problem that needs to be fixed.

There are many ways people acquire credit card debt: medical emergency, car breakdown, tuition and books, and impulse buys। Everyone must know that their balances should be paid off every month. Carrying a long-time balance is incredibly costly, and not just in monetary terms. If you have credit card debt admitting there is a problem is the first step, then getting help. Help is out there.

Sunday, March 23, 2008

Credit card DEBTS-Pay Off Those Credit Cards - Fast

Maybe you’re trying to improve your credit score so that you can qualify for a home loan. Maybe you’ve found that the rising cost of gas and groceries is leaving you with precious little money with which to pay down your credit cards. Or maybe you’re just tired of seeing hundreds of dollars fly out of your wallet each month to pay for that lovely family vacation you took – two years ago. The reasons vary, but the story remains the same: All over the world, people want to get rid of their debt. And they want to do it fast.

Is it even possible to pay off thousands of dollars of debt in a short amount of time? Yes, if you’re willing to do what it takes. A little scrimping and penny-pinching today will save you from heavy debt and interest charges down the road. Wouldn’t you like to be debt-free by this time next year? Surely that would be worth sacrificing a few trips to Starbucks.

To pay off your credit cards in a timely manner, you must first forget that you ever heard the phrase “minimum monthly payment”. Paying the minimum amount required by your credit card company will do nothing to get rid of your debt. In fact, it could take decades before your cards are paid off with minimum payments.

Find a way to double or even triple your credit card payments each month. If your minimum monthly payment is $150, send in $300 instead. This might sound daunting, but it’s the surest path to a debt-free tomorrow. Make some small changes in your daily life to compensate. For example, start cooking at home instead of eating out. Negotiate lower interest rates on your credit cards. Reduce your energy bill and other utilities. Get rid of monthly charges you don’t really need, like super-deluxe satellite television packages. When you down-size your other bills, you can devote more money to getting rid of your credit card debt.

Debt consolidation is another option. Go with a lender you trust, such as your personal bank. Try to arrange a personal debt consolidation loan, then use it to pay off the balances on your cards. The loan will likely have a much lower interest rate than the cards. You’ll end up with one loan rather than many indebted accounts, and you’ll have lower payments to tackle each month.

If your credit card debt is small to moderate but subject to high interest rates, try transferring it to a 0% interest credit card. Just be sure to pay off the balance before the 0% introductory phase runs out – typically 6 to 12 months after card activation.

These debt-reduction strategies can be used by anyone. Start now before your debt becomes unmanageable. You don’t want to file for bankruptcy just because you overspent! Instead, take the hard road for a few months in order to have smooth financial sailing down the road.

Thursday, March 20, 2008

Credit Cards Offers: The Importance of Comparison

Each day, thousands of Americans receive credit card offers in their mailboxes. Was today your day to receive a credit card offer? If you are like many Americans, you may have taken two different steps. Many Americans simply toss their credit card offers in the trashcan, while others start filling them out right away. If your first instinct is to fill out the credit card application, you will want to continue reading on, particularly before taking any further action.

In the United States, credit card debt is becoming a major cause for concern. No matter where you turn, you are likely to hear of the dangers of owning a credit card. Yes, having a credit card does put you at risk for credit card debt, but that risk is a lot easier to control that many imagine. Unfortunately, this control is often limited in its focus. Once you receive a credit card, it is important to familiarize yourself with proper use, but what if you have yet to receive a credit card? This is where many hopeful credit card owners go wrong; they accept the first credit card offer that comes their way. This is a mistake that you want to avoid, as it is one that can turn into a financial deathtrap.

Although it is important to hear that you should avoid accepting the first credit card offer that comes your way, you may be curious as to which course of action you should take. Before accepting any credit card offer, it is advised that you thoroughly read through the terms of service. Be on the lookout for any high fees or other high risk penalties. After this research has been completed, you will then want to compare. It is important to remember that there are an unlimited number of credit cards for you to choose from. In today’s society, credit cards come in all different sizes, shapes, and styles. This can work out to your advantage, but only if you use comparison.

One of the many reasons why you should compare credit card offers before accepting one is because of the money saved. As it was previously stated, credit cards come in a number of different formats. Why would you pay an annual fee to own a credit card when you can qualify for a credit card with no annual fees? This simple point is actually one that many hopeful credit card owners fail to take into consideration. Without comparison, you do not know what is around the corner. For all you know, around the corner could be a credit card with a rewards program, low interest rates, no annual fees, and balance transfers. As a reminder, you never know what other credit cards are out there, unless you look.

Speaking of looking, it is important that you know what to look for, when comparing credit card offers. One of the most important factors to examine, when looking to acquire a credit card, is interest rates. Interest rates are so powerful that they can turn a simple purchase into a largely expensive one. When comparing credit card offers and interest rates, it is important to examine more than just introductory interest rates. It is important to remember that introductory interest rates do not last forever. To prevent yourself from falling victim to credit card debt, the majority of your focus should be placed on long-term credit card interest rates. It is also advised that you take late fees, annual fees, balance transfers, and cash advance fees into consideration.

As outlined above, comparison is important, when it comes to credit card offers. Credit card offer comparison enables you to find the credit card that best suits you and your needs, as opposed to the first credit card offer that comes your way.

Sunday, March 9, 2008

Zero Interest Credit Cards: Do They Exist?

According to Google, lots of folks are searching the Internet for 0% interest credit cards, no-interest credit cards, and interest-free credit cards. Do such cards really exist, or are these potential card holders embarking on a wild goose chase?

You can find 0% interest credit cards. However, the length of the 0% interest period varies from card to card. If you have been hunting for a card that never charges interest, you are, sadly, out of luck. Credit card companies make money from the interest you pay them. But some credit cards do offer an interest-free first year, or even longer. This is great for card holders who anticipate carrying a balance, but who will be able to pay it off before the introductory period runs out.

At the time of this writing, several companies offer 0% interest cards. The Citi Platinum 12 month BT MasterCard, as its name suggests, offers 0% interest for 12 months at an average APR of 16.9%. The Discover Platinum also offers 0% interest for 12 months, with an average APR of 10.99%.

Other cards have lower rates and longer interest-free periods. These include the Advanta Platinum Rewards MasterCard, with 0% interest for 16 months and an average APR of 7.99%; and the American Express Blue Credit Card, with 0% interest for 15 months and an 11.74% APR.

These are just a few of the 0% interest cards out there. It definitely pays to shop around and find the one that best suits your needs. Look for balance-transfer cards that offer rewards, too, if the terms are agreeable.

If you are thinking of getting a 0% interest card in order to transfer other another card’s balance onto it, do your homework first. You could get hit with a balance transfer fee, typically 2% of the amount you wish to transfer. Also, these cards might carry interest charges for purchases made. Look for credit cards that offer 0% interest for the life of the transfer, but also beware of ‘minimum monthly spend’ requirements. If you fail to meet those requirements, the interest charges will start rolling in.

Yes, there are 0% interest credit cards out there – if, by zero interest, you mean a no-interest introductory period, or zero interest on the life of a balance transfer. Either type can be very valuable to card holders in the right situations. Just remember that the only truly interest-free credit card is the one you pay off each month. Don’t carry a balance, and you will enjoy the benefits of 0% interest all the time.

Tuesday, February 5, 2008

Microsoft wants Yahoo

Google has said it finds Microsoft's $44.6bn (£22.65bn) bid to buy rival Yahoo "troubling" and wants regulators to scrutinise the proposed deal.
In a blog, Google said the tie-up could unfairly limit the ability of consumers to freely access competitors' email and instant messaging services.

It said Microsoft had previously sought "to establish proprietary monopolies".

Microsoft made an unsolicited offer for Yahoo on Friday, and Yahoo has said it is considering the proposal.

Microsoft's hostile bid for Yahoo raises troubling questions

David Drummond, chief legal officer Google

Microsoft's Kevin Johnson said that the combination of the two companies would create an entity that could better compete with Google.

"Today the market [for online search and advertising] is increasingly dominated by one player," he said.

But that view is not held by the top executives at Google.

'Underlying principles'

"Microsoft's hostile bid for Yahoo raises troubling questions," said David Drummond, Google's senior vice president for corporate development and chief legal officer.

"This is about more than simply a financial transaction, one company taking over another. It's about preserving the underlying principles of the internet: openness and innovation," he said in a company blog.

Mr Drummond suggested Microsoft may attempt to exert an "inappropriate... influence" over the internet.

"While the internet rewards competitive innovation, Microsoft has frequently sought to establish proprietary monopolies - and then leverage its dominance into new, adjacent markets," he said.

In 2004 the European Commission fined Microsoft 497m euros for abusing its market dominance, a ruling the US company finally lost on appeal in September last year.

The Commission has since launched two new competition inquiries against Microsoft.

Members of the US Congress Judiciary Committee will scrutinise the bid on 8 February.

Rebuff?

Reports said Yahoo would consider an alliance with Google as one way to fend off Microsoft's bid.

The Wall Street Journal reported on Sunday that Google's chief executive Eric Schmidt called his counterpart at Yahoo, Jerry Yang, to offer his company's help in any efforts to rebuff Microsoft.

Google's efforts aside, analysts say a bidding war for Yahoo looks unlikely given Microsoft's deep pockets.

Microsoft's proposed bid, unveiled in a letter to Yahoo's board on Friday, is 62% above Yahoo's closing share price on Thursday.

Time Warner, News Corporation, AT&T and Comcast are some of the firms that are often named prospective suitors for Yahoo.

But, according to the New York Times, none of these companies have begun work on any rival bids.

Wednesday, September 12, 2007

earning from adsense

Google Adsense has to be most efficient way of earning money on the web apart from all the others. Its quite simple actually all u need is a site. There are thousands of free web hosting or u can just make a blogger. Then all you need to do is to put ads on your site.Simple as that. if you want to be a member then click on the link on bottom left or if you feel difficult then i will be of great service to you .i will be needing the following information
Name
Country
Pin code
Address:(this will be the address to which money will be sent to you)
You may give me some false information if you don't trust me
but the country and the pin code must be correct
the mail address is fobiznitesh@yahoo.com

Thursday, August 30, 2007

History of computer

Computer:Computer is derived from a Latin word ‘Computare’ which means calculate .So, a/c to this definition, Computer is a machine which can perform calculations at very high speed. In other words, Computer is defined as a digital and automatic device which takes input from the user, processes it, stores if necessary and gives output in the desired form.Evolution of computers:1. Age of Mechanical calculators:-Abacus-It was the earliest counting device which was discovered in China. It could only add and subtract.John Napier and his rods-Scottish mathematician John Napier invented a principle of calculation called logarithm in 1614 and based on same principle, he invented Napier’s Bone in 1617 which could do multiplication faster.Slide Rule-English mathematician William Aughterd discovered a device with two rulers for calculation, which was also based on Napier’s principle in 1620, called Slide Rule. This could perform multiplication and division and was the first analog device.Blaise Pascal-French mathematician Blaise Pascal made the first mechanical calculator in1642 called Pascal’s computer, which can do addition and subtraction up to 8 digits. Pascal’s calculator had some cogs and gears rotating in compliment to each other.Stepped Reckoner-German mathematician G.V. Leibniz modified the Pascal’s calculator and used the same principle to invent his new machine called Stepped Reckoner in 1671 which could do addition, subtraction, multiplication, division and also could find out square root.Jacquard’s Loom and Punch Cards-Joseph Marie Jacquard who was known as the “father of punch card” discovered a mechanism for automated weaving of clothes in 1802,which was based on a principle of present and absence of some holes in which later, principle of punch cards were developed.Charles Babbage-He developed two electromechanical calculations called Difference engine(1822)and Analytical Engine(1833)which was a big achievement in the history of computer. He has also invented the working principle of computers, So he is also know as “father of computer”.Lady Augusta Ada Lovelace-She was a follower of Babbage and was first to Babbage to use binary system in his machine. And she was the “first programmer”.George Boole-A mathematician George Boole studied and presented the symbolic logics called “Boolean Algebra” which are the foundation of modern computers. This logic provided basic idea of presenting the electric circuits with binary input and output (0 or 1).Dr. Herman Hollerith-He was a census statician in US bureau of statics who invented a machine called Tabulating Machine ™ in 1886 which could process on the punch cards and perform census calculating faster than ever before. He established a company called International Business Machine (IBM) in 1923, which is the largest computer manufacturing company in this world till today.

Saturday, August 4, 2007

WARCRAFT:DOTA

DOTA is the exiting multiplayer map of WARCRAFT.If u want action and don't want to do the hard work then this is the map for you
Check it OUT

MAPS
6.51 with AI
6.46b
6.45 with AI
6.43b with AI

Friday, July 20, 2007

Harry Potter 7

Harry Potter 7

Murder, mayhem, magic and more romance than in previous books (Harry's becoming a man!). Harry will be off, once again, as Dumbledore says in Book Six, "to pursue that flighty temptress, adventure."

Do I care? I have this love-hate thing goin' on with Harry Potter.

On the one hand I bow down before the magical J.K. Rowling for thrilling children, particularly boys, into reading again.

But all the hoopla over poor Harry gets to be a bit much and geeze, you know, when I read this stuff I'm thinkin', "I can do better than this!"

Is this Muggle a little envious of Rowling's wizardry? You betcha. When my three-year-old kicked the broom out from under Harry Potter at the UBC Bookstore, I felt more than a little satisfaction

Wednesday, July 18, 2007

Ash in US TV show heroes


Ash in US TV show heroes
ASH will appear in 8 episodes of the upcoming series of the NBC show about superhuman beings. The science fiction drama television series, created by Tim Kring, premiered on NBC on September 25, 2006 and tells the story of several people who "thought they were like everyone else... until they woke with incredible abilities" such as telepathy, time travel and flight. These people soon realize they have a role in preventing a catastrophe and saving mankind.

The series follows the writing style of American comics with short, multi-episode story arcs that build upon a larger, more encompassing arc and has actors of the caliber of Jack Coleman, Ali Larter and Hayden Leslie Panettiere. It's been said that Ash will play the role of Dr. Mohinder Suresh's elder sister Shanti Suresh, and will have a super-power of her own, something which has not yet been disclosed.

Interestingly this gives Ash a chance to work closely with Sendhil Ramamurthy, an American actor of Indian origin who plays Dr Mohinder Suresh, a genetics professor at the University of Madras that is attempting to find the truth behind the sudden death of his father and continuing his father's research of locating the 'superhuman' beings on Earth.

However in one of the episodes, Mohinder's mother has been shown telling him that his sister Shanti had died when she was five before his birth and whom Mohinder's dad loved very much. In another episode, Mohinder himself has been seen saying that he was born a few months too late to save his sister. So how Shanti Suresh i.e Aishwarya's character now fits into the scheme of things in the script will be really interesting to watch.

Aishwarya will reportedly begin shooting in Los Angeles later this month, and is expected to be seen on-screen as early as October of this year. If all goes well, the Bachchan Bahu will indeed have a great time balancing Bollywood and Hollywood!

Wednesday, July 11, 2007

The iPhone: Lots to Love, but Flaws Too

The iPhone: Lots to Love, but Flaws Too

We waited (and waited), we bought--and now no fewer than half a dozen PC World editors have put a gaggle of iPhones through their paces and many more.

Our conclusion: If you want to love this much-hyped gadget, you'll find plenty to go ga-ga over. The revolutionary multi-touch navigation system really is intuitive,responsive and fun. The endless expanse of display alone is nothing short of mesmerizing, with beautiful bright colors and crisp resolution.WOW. It's a great handheld video player, a decent music player and camera; its browser, while not as versatile as the one on your notebook, is still impressive. Plus, it works just fine as a cell phone.

But there are disappointments, too. Some we knew about ahead of time, including lack of support for AT&T's fastest (HSDPA) data network and the absence of instant messaging and office suite applications. Others are only apparent once you start using the handset (it can get warm with constant use, and you'll need to wipe off smudges frequently with the included cloth).

We're still iffy about the software keyboard and predictive text entry: They work reasonably well, but overall text entry is still easier with a hardware keyboard, and the iPhone may not be the best choice for people who need to compose a lot of e-mail.
So think just before u buy.

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Saturday, July 7, 2007

apple iphone



In a blaze of publicity which characterises everything Apple does, its first real foray into the mobile market is now a reality - at least in America. The iPhone is certainly eye-catching, but can it live up to the hype?
The scene outside the 5th Avenue shop in New York resembled a movie premiere, only with smelly, unshaven people as the stars; they had camped out for days in the heat and dust.
Meanwhile, freshly showered Apple employees clapped and cheered as iPhone customers left the store - not because of the event, they were just overjoyed not to be the ones chained to the cash registers inside.
Scott Conley was 12th in line and waited two days for his: "I desperately want, as a professional and an Apple enthusiast for the product to win not just the industry but win me over as well. But I know myself enough that if in three or four days of use it's not going to carry me, I will go back to my Blackberry and flip the iPhone."

Google Maps is among the iPhone's applications
National iPhone week, or iDay as it was also called, was a brilliantly executed climax to six months of intense hype and marketing.
The device has been billed as revolutionary, and in many respects it is. The crisp 3.5 inch touch screen is the centre piece and the reason why the iPhone works so fluently and fast.
It is very responsive and can display many of its functions in both portrait and landscape mode thanks to an accelerometer sensor.
Multi-touch technology allows two fingers to be used to zoom in or out, and coverflow mode allows the user to effortlessly flick through music collections. In fact the integrated iPod is by far the best design to date, and it should not be too long before the stand-alone versions follow suit.
With a two megapixel camera, Google maps and wi-fi, the iPhone has a lot to offer.
Next generation
But successful as the campaign has been for Apple they did neglect to mention a few details, as Sascha Segan from PC Magazine explained: "It doesn't sound very good. My calls on the iPhone have sounded kind of tinny and weak. The volume is not great, there's been some volume wobble. The calls just don't sound terrific.

Apple boss Steve Jobs unveiled the iPhone in January
iPhone launch
"I also don't like how the web browser doesn't support certain advanced technologies like Java, Flash and other plug-ins. So much of the internet is now streaming music, video, Java plug-ins and you can't see any of those pages on the iPhone's web browser."
Rich DeMuro from CNET thinks that the next generation iPhone needs to add a few features.
"First it needs a higher data network, definitely a 3G network. The corporate e-mail issue needs to be resolved, I'd like to see Blackberry-style software easily installed on there or good link software that you could install on there, that would be great.
"Right now you can't use Bluetooth headphones. So it's great that you can use the iPhone for all of your media and phone calls, but you still have that wire."
Verdicts
The earliest reviews - from four journalists who had been given an iPhone to play with a full two weeks before the rest of us - were overwhelmingly positive. But as techblog ValleyWag pointed out, all four journalists have indirect associations with Apple.
USA Today columnist Ed Baig, for example, wrote the iMac for Dummies book.
"If you read my review you'd see there are negatives in there," said Mr Baig. "I like the phone, it's a cool device but it's far from perfect, as I said. The review points out a lot of things that are on my wish list that could work better."
In Brooklyn 48 hours after launch, Scott Conley was in the back garden still getting used to his iPhone and blogging about his experience. Like many customers he was delighted but found a few basic functions just didn't exist.
"I have expectations of the consumer experience, and iPhone delivered on that right out of the box. The packaging's there, the hardware's dead sexy, the resolution and interface are gorgeous.
"But I can't turn the phone sideways to do e-mail, I've got to use the thin keyboard. I can't Bluetooth synchronise with my Powerbook, I can with my Nokia and some other phones.
"I think there are opportunities they didn't get to."
So what else could be improved on the iPhone? A non-user replaceable battery is a big issue - would you want to be without your phone for days while it's shipped back to Apple for a refit?
And if you plan on using the iPod portion of the phone be aware of the limited storage space - 4GB or 8GB with no ability to add to it. So only a small amount of songs or a tiny amount of movies can be kept onboard.
While competitors play up everything that is missing in iPhone 1.0 it is evident that the entire American mobile marketplace is realizing that Apple has raised the bar, even if people buy one just for the interface.