Thursday 4 June 2009

home equity loans

home equity loan (sometimes abbreviated HEL) is a type of loan in which the borrower uses the equity in their home as collateral. These loans are sometimes useful to help finance major home repairs, medical bills or college education. A home equity loan creates a lien against the borrower's house, and reduces actual home equity.

Home equity loans are most commonly second position liens (second trust deed), although they can be held in first or, less commonly, third position. Most home equity loans require good to excellent credit history, and reasonable loan-to-value and combined loan-to-value ratios. Home equity loans come in two types, closed end and open end.

Both are usually referred to as second mortgages, because they are secured against the value of the property, just like a traditional mortgage. Home equity loans and lines of credit are usually, but not always, for a shorter term than first mortgages. In the United States, it is sometimes possible to deduct home equity loan interest on one's personal income taxes.

There is a specific difference between a home equity loan and a Home Equity Line of Credit (HELOC). A HELOC is a line of revolving credit with an adjustable interest rate whereas a home equity loan is a one time lump-sum loan, often with a fixed interest rate.

When considering a loan, the borrower should be familiar with the terms recourse and nonrecourse loan, secured and unsecured debt, and dischargeable and non-dischargeable debt.

US traditional mortgages are usually non recourse loans. "Nonrecourse debt or a nonrecourse loan is a secured loan (debt) that is secured by a pledge of collateral, typically real property, but for which the borrower is not personally liable." A US home equity loan may be a recourse loan for which the borrower is personally liable. This distinction becomes important in foreclosure since the borrower may remain personally liable for a recourse debt on a foreclosed property.

Home equity loans are secured loans. "The debt is thus secured against the collateral — in the event that the borrower defaults, the creditor takes possession of the asset used as collateral and may sell it to satisfy the debt by regaining the amount originally lent to the borrower." Credit card debt is an unsecured debt such that no asset has been pledged as collateral for the loan. Using a home equity loan to pay off credit card debt essentially converts an unsecured debt to a secured debt.

When deciding upon a type of loan, the borrower should also consider if the debt is dischargeable in bankruptcy. For instance, US student loans are "practically non-dischargeable in bankruptcy".

Closed end home equity loan

The borrower receives a lump sum at the time of the closing and cannot borrow further. The maximum amount of money that can be borrowed is determined by variables including credit history, income, and the appraised value of the collateral, among others. It is common to be able to borrow up to 100% of the appraised value of the home, less any liens, although there are lenders that will go above 100% when doing over-equity loans. However, state law governs in this area; for example, Texas (which was, for many years, the only state to not allow home equity loans) only allows borrowing up to 80% of equity.

Closed-end home equity loans generally have fixed rates and can be amortized for periods usually up to 15 years. Some home equity loans offer reduced amortization whereby at the end of the term, a balloon payment is due. These larger lump-sum payments can be avoided by paying above the minimum payment or refinancing the loan.

In other words , Closed end means there will be an end date for the loan. No future draws under that loan will occur.


Open end home equity loan

This is a revolving credit loan, also referred to as a home equity line of credit, where the borrower can choose when and how often to borrow against the equity in the property, with the lender setting an initial limit to the credit line based on criteria similar to those used for closed-end loans. Like the closed-end loan, it may be possible to borrow up to 100% of the value of a home, less any liens. These lines of credit are available up to 30 years, usually at a variable interest rate. The minimum monthly payment can be as low as only the interest that is due.

Typically, the interest rate is based on the Prime rate plus a margin.

Home equity loan fees

Here is a brief list of possible fees that may apply to your home equity loan: Appraisal fees, originator fees, title fees, stamp duties, arrangement fees, closing fees, early pay-off and other costs are often included in loans. Surveyor and conveyor or valuation fees may also apply to loans, some may be waived. The survey or conveyor and valuation costs can often be reduced, provided you find your own licensed surveyor to inspect the property considered for purchase. The title charges in secondary mortgages or equity loans are often fees for renewing the title information. Most loans will have fees of some sort, so make sure you read and ask several questions about the fees that are charged.

trans union

TransUnion (Trans Union, LLC) is the third largest consumer credit reporting agency in the United States, which offers credit-related information to potential creditors. Like major competitors Equifax and Experian; TransUnion markets credit reports directly to consumers.

History

TransUnion was created in 1968 by Union Tank Car Company as their holding company. Its credit business began with the purchase of Credit Bureau of Cook County (CBCC) in 1969. Trans Union was built from acquisitions of major city credit bureaus, with service agreements with local owners of bureaus which were not for sale. Today it operates 250 offices in the U.S. and in 24 other countries. It is based in Chicago, Illinois.

TransUnion was a subsidiary of The Marmon Group until January 2005 and is now an independent, privately held company.

Controversy

In 2003, Judy Thomas of Klamath Falls, Oregon, was awarded $5.3 million in a dispute with TransUnion. The award was later reduced to $1 million. Thomas claimed it took her six years to get TransUnion to remove erroneous information from her credit report.[1]

In 2006, after spending two years trying to correct erroneous credit information due to identity theft, a fraud victim named Sloan filed suit against all three of the largest credit agencies. TransUnion and Experian settled out of court for an undisclosed amount. In Sloan v. Equifax, a jury awarded Sloan $351,000. "She wrote letters. She called them. They saw the problem. They just didn't fix it," said attorney A. Hugo Blankingship III of Blankingship & Associates in Alexandria, Virginia.

Search engine optimization (SEO) is the process of improving the volume or quality of traffic to a web site from search engines via "natural" ("organic" or "algorithmic") search results. Typically, the earlier a site appears in the search results list, the more visitors it will receive from the search engine. SEO may target different kinds of search, including image search, local search, and industry-specific vertical search engines. This gives a web site web presence.

As an Internet marketing strategy, SEO considers how search engines work and what people search for. Optimizing a website primarily involves editing its content and HTML coding to both increase its relevance to specific keywords and to remove barriers to the indexing activities of search engines.

The acronym "SEO" can also refer to "search engine optimizers," a term adopted by an industry of consultants who carry out optimization projects on behalf of clients, and by employees who perform SEO services in-house. Search engine optimizers may offer SEO as a stand-alone service or as a part of a broader marketing campaign. Because effective SEO may require changes to the HTML source code of a site, SEO tactics may be incorporated into web site development and design. The term "search engine friendly" may be used to describe web site designs, menus, content management systems and shopping carts that are easy to optimize.

Another class of techniques, known as black hat SEO or Spamdexing, use methods such as link farms and keyword stuffing that degrade both the relevance of search results and the user-experience of search engines. Search engines look for sites that employ these techniques in order to remove them from their indices.

History

Webmasters and content providers began optimizing sites for search engines in the mid-1990s, as the first search engines were cataloging the early Web. Initially, all a webmaster needed to do was submit a page, or URL, to the various engines which would send a spider to "crawl" that page, extract links to other pages from it, and return information found on the page to be indexed.[1] The process involves a search engine spider downloading a page and storing it on the search engine's own server, where a second program, known as an indexer, extracts various information about the page, such as the words it contains and where these are located, as well as any weight for specific words, as well as any and all links the page contains, which are then placed into a scheduler for crawling at a later date.

Site owners started to recognize the value of having their sites highly ranked and visible in search engine results, creating an opportunity for both white hat and black hat SEO practitioners. According to industry analyst Danny Sullivan, the phrase search engine optimization probably came into use in 1997.[2]

Early versions of search algorithms relied on webmaster-provided information such as the keyword meta tag, or index files in engines like ALIWEB. Meta tags provide a guide to each page's content. But using meta data to index pages was found to be less than reliable because the webmaster's choice of keywords in the meta tag could potentially be an inaccurate representation of the site's actual content. Inaccurate, incomplete, and inconsistent data in meta tags could and did cause pages to rank for irrelevant searches.[3] Web content providers also manipulated a number of attributes within the HTML source of a page in an attempt to rank well in search engines.[4]

By relying so much on factors such as keyword density which were exclusively within a webmaster's control, early search engines suffered from abuse and ranking manipulation. To provide better results to their users, search engines had to adapt to ensure their results pages showed the most relevant search results, rather than unrelated pages stuffed with numerous keywords by unscrupulous webmasters. Since the success and popularity of a search engine is determined by its ability to produce the most relevant results to any given search, allowing those results to be false would turn users to find other search sources. Search engines responded by developing more complex ranking algorithms, taking into account additional factors that were more difficult for webmasters to manipulate.

Graduate students at Stanford University, Larry Page and Sergey Brin developed "backrub," a search engine that relied on a mathematical algorithm to rate the prominence of web pages. The number calculated by the algorithm, PageRank, is a function of the quantity and strength of inbound links.[5] PageRank estimates the likelihood that a given page will be reached by a web user who randomly surfs the web, and follows links from one page to another. In effect, this means that some links are stronger than others, as a higher PageRank page is more likely to be reached by the random surfer.

Page and Brin founded Google in 1998. Google attracted a loyal following among the growing number of Internet users, who liked its simple design.[6] Off-page factors (such as PageRank and hyperlink analysis) were considered as well as on-page factors (such as keyword frequency, meta tags, headings, links and site structure) to enable Google to avoid the kind of manipulation seen in search engines that only considered on-page factors for their rankings. Although PageRank was more difficult to game, webmasters had already developed link building tools and schemes to influence the Inktomi search engine, and these methods proved similarly applicable to gaming PageRank. Many sites focused on exchanging, buying, and selling links, often on a massive scale. Some of these schemes, or link farms, involved the creation of thousands of sites for the sole purpose of link spamming.[7] In recent years major search engines have begun to rely more heavily on off-web factors such as the age, sex, location, and search history of people conducting searches in order to further refine results.[citation needed]

By 2007, search engines had incorporated a wide range of undisclosed factors in their ranking algorithms to reduce the impact of link manipulation. Google says it ranks sites using more than 200 different signals.[8] The three leading search engines, Google, Yahoo and Microsoft's Live Search, do not disclose the algorithms they use to rank pages. Notable SEOs, such as Rand Fishkin, Barry Schwartz, Aaron Wall and Jill Whalen, have studied different approaches to search engine optimization, and have published their opinions in online forums and blogs.[9][10] SEO practitioners may also study patents held by various search engines to gain insight into the algorithms.[11].

Relationship with search engines

By 1997 search engines recognized that webmasters were making efforts to rank well in their search engines, and that some webmasters were even manipulating their rankings in search results by stuffing pages with excessive or irrelevant keywords. Early search engines, such as Infoseek, adjusted their algorithms in an effort to prevent webmasters from manipulating rankings.[12]

Due to the high marketing value of targeted search results, there is potential for an adversarial relationship between search engines and SEOs. In 2005, an annual conference, AIRWeb, Adversarial Information Retrieval on the Web,[13] was created to discuss and minimize the damaging effects of aggressive web content providers.

SEO companies that employ overly aggressive techniques can get their client websites banned from the search results. In 2005, the Wall Street Journal reported on a company, Traffic Power, which allegedly used high-risk techniques and failed to disclose those risks to its clients.[14] Wired magazine reported that the same company sued blogger and SEO Aaron Wall for writing about the ban.[15] Google's Matt Cutts later confirmed that Google did in fact ban Traffic Power and some of its clients.[16]

Some search engines have also reached out to the SEO industry, and are frequent sponsors and guests at SEO conferences, chats, and seminars. In fact, with the advent of paid inclusion, some search engines now have a vested interest in the health of the optimization community. Major search engines provide information and guidelines to help with site optimization.[17][18][19] Google has a Sitemaps program[20] to help webmasters learn if Google is having any problems indexing their website and also provides data on Google traffic to the website. Google guidelines are a list of suggested practices Google has provided as guidance to webmasters. Yahoo! Site Explorer provides a way for webmasters to submit URLs, determine how many pages are in the Yahoo! index and view link information.[21]

[edit] Getting indexed

The leading search engines, Google, Yahoo! and Microsoft, use crawlers to find pages for their algorithmic search results. Pages that are linked from other search engine indexed pages do not need to be submitted because they are found automatically. Some search engines, notably Yahoo!, operate a paid submission service that guarantee crawling for either a set fee or cost per click.[22] Such programs usually guarantee inclusion in the database, but do not guarantee specific ranking within the search results.[23] Yahoo's paid inclusion program has drawn criticism from advertisers and competitors.[24] Two major directories, the Yahoo Directory and the Open Directory Project both require manual submission and human editorial review.[25] Google offers Google Webmaster Tools, for which an XML Sitemap feed can be created and submitted for free to ensure that all pages are found, especially pages that aren't discoverable by automatically following links.[26]

Search engine crawlers may look at a number of different factors when crawling a site. Not every page is indexed by the search engines. Distance of pages from the root directory of a site may also be a factor in whether or not pages get crawled.[27]

Preventing crawling

To avoid undesirable content in the search indexes, webmasters can instruct spiders not to crawl certain files or directories through the standard robots.txt file in the root directory of the domain. Additionally, a page can be explicitly excluded from a search engine's database by using a meta tag specific to robots. When a search engine visits a site, the robots.txt located in the root directory is the first file crawled. The robots.txt file is then parsed, and will instruct the robot as to which pages are not to be crawled. As a search engine crawler may keep a cached copy of this file, it may on occasion crawl pages a webmaster does not wish crawled. Pages typically prevented from being crawled include login specific pages such as shopping carts and user-specific content such as search results from internal searches. In March 2007, Google warned webmasters that they should prevent indexing of internal search results because those pages are considered search spam.[28]

White hat versus black hat

SEO techniques can be classified into two broad categories: techniques that search engines recommend as part of good design, and those techniques of which search engines do not approve. The search engines attempt to minimize the effect of the latter, among them spamdexing. Some industry commentators have classified these methods, and the practitioners who employ them, as either white hat SEO, or black hat SEO.[29] White hats tend to produce results that last a long time, whereas black hats anticipate that their sites may eventually be banned either temporarily or permanently once the search engines discover what they are doing.[30]

An SEO technique is considered white hat if it conforms to the search engines' guidelines and involves no deception. As the search engine guidelines[17][18][19][31] are not written as a series of rules or commandments, this is an important distinction to note. White hat SEO is not just about following guidelines, but is about ensuring that the content a search engine indexes and subsequently ranks is the same content a user will see. White hat advice is generally summed up as creating content for users, not for search engines, and then making that content easily accessible to the spiders, rather than attempting to trick the algorithm from its intended purpose. White hat SEO is in many ways similar to web development that promotes accessibility,[32] although the two are not identical.

Black hat SEO attempts to improve rankings in ways that are disapproved of by the search engines, or involve deception. One black hat technique uses text that is hidden, either as text colored similar to the background, in an invisible div, or positioned off screen. Another method gives a different page depending on whether the page is being requested by a human visitor or a search engine, a technique known as cloaking.

Search engines may penalize sites they discover using black hat methods, either by reducing their rankings or eliminating their listings from their databases altogether. Such penalties can be applied either automatically by the search engines' algorithms, or by a manual site review. Infamous examples are the February 2006 Google removal of both BMW Germany and Ricoh Germany for use of deceptive practices.[33] and the April 2006 removal of the PPC Agency BigMouthMedia.[34] All three companies, however, quickly apologized, fixed the offending pages, and were restored to Google's list.[35]

As a marketing strategy

Eye tracking studies have shown that searchers scan a search results page from top to bottom and left to right (for left to right languages), looking for a relevant result. Placement at or near the top of the rankings therefore increases the number of searchers who will visit a site.[36] However, more search engine referrals does not guarantee more sales. SEO is not necessarily an appropriate strategy for every website, and other Internet marketing strategies can be much more effective, depending on the site operator's goals.[37] A successful Internet marketing campaign may drive organic traffic to web pages, but it also may involve the use of paid advertising on search engines and other pages, building high quality web pages to engage and persuade, addressing technical issues that may keep search engines from crawling and indexing those sites, setting up analytics programs to enable site owners to measure their successes, and improving a site's conversion rate.[38]

SEO may generate a return on investment. However, search engines are not paid for organic search traffic, their algorithms change, and there are no guarantees of continued referrals. Due to this lack of guarantees and certainty, a business that relies heavily on search engine traffic can suffer major losses if the search engines stop sending visitors.[39] It is considered wise business practice for website operators to liberate themselves from dependence on search engine traffic.[40] A top-ranked SEO blog Seomoz.org[41] has reported, "Search marketers, in a twist of irony, receive a very small share of their traffic from search engines." Instead, their main sources of traffic are links from other websites.[42]


mesothelioma

Mesothelioma is a form of cancer that is almost always caused by exposure to asbestos. In this disease, malignant cells develop in the mesothelium, a protective lining that covers most of the body's internal organs. Its most common site is the pleura (outer lining of the lungs and internal chest wall), but it may also occur in the peritoneum (the lining of the abdominal cavity), the heart,[1] the pericardium (a sac that surrounds the heart) or tunica vaginalis.

Most people who develop mesothelioma have worked on jobs where they inhaled asbestos particles, or they have been exposed to asbestos dust and fiber in other ways. Washing the clothes of a family member who worked with asbestos can also put a person at risk for developing mesothelioma.[2] Unlike lung cancer, there is no association between mesothelioma and smoking, but smoking greatly increases risk of other asbestos-induced cancer.[3] Compensation via asbestos funds or lawsuits is an important issue in mesothelioma (see asbestos and the law).

The symptoms of mesothelioma include shortness of breath due to pleural effusion (fluid between the lung and the chest wall) or chest wall pain, and general symptoms such as weight loss. The diagnosis may be suspected with chest X-ray and CT scan, and is confirmed with a biopsy (tissue sample) and microscopic examination. A thoracoscopy (inserting a tube with a camera into the chest) can be used to take biopsies. It allows the introduction of substances such as talc to obliterate the pleural space (called pleurodesis), which prevents more fluid from accumulating and pressing on the lung. Despite treatment with chemotherapy, radiation therapy or sometimes surgery, the disease carries a poor prognosis. Research about screening tests for the early detection of mesothelioma is ongoing. So be ware of asbestos.

Wednesday 3 June 2009

google affiliate

Google Affiliate Network is the extension of the Google ad network business is bridge between advertisers / pemublikasi and advertiser / publisher with the use of DoubleClick Performics. DoubleClick Performics has been purchased by Google in March 2008 and diintergrasikan as Google Affiliate Network, which the ad is displayed on the screen you came from DoubleClick Performics. Google Affiliate Network is different from Google Adsense, for those who already have a Google Adsense account is not automatically be able to join the Google Affiliate Network, the second account because the Google ad network is different. To join the Google Affiliate Network You have to register again, where the main requirement is to register the profile information must be provided with the same domain (whois) is registered. If not your application will be rejected and the basic business model that is on your website should also be clear. Below is a snippet Email from Google Affiliate Network for the application that is not approved and a nice benefit for you, which will apply to Google Affiliate Network.

hair laser removal most in Washington DC

What is laser hair removal?
short low-energy laser is to our skin with the hair that does not discard useful .
It's considered to be one of the safest ways for permanent hair removal. Laser hair removal is a low-energy laser applied over the area of unwanted hair. Low-energy laser damages the hair follicles. The hair gets burned-out without damaging skin or any other tissues.

When laser hair removal is done professionally, there's a patch test first. This way you'll get the right laser and intensity. Don't let anybody treat you without doing patch test. One of the main benefits of laser hair removal is that it can be done on a large area of the body in one session. Procedure is little bit uncomfortable and many people experience little pain, but it doesn't require anesthesia. Local or topical anesthetic is usually applied if person experiences a higher degree of discomfort.

Treatment is very effective. After several sessions, about 95 percent of unwanted hair has been removed. One huge benefit of laser hair removal is that it doesn't require any medications, needles or follow-ups. You don't need to go to hospital either.

After laser hair removal session, skin might get little red where treatment was applied. It will not last longer than 24 hours. Unwanted hairs will fall off in 1-2 weeks after treatment.

If you have a darker skin color and you are having a skin-lightening procedure such as bleaching, read carefully. Bleaching procedure should be done before getting laser hair removal treatment. Remember that don't get laser hair removal within 10 days to two weeks after bleaching procedure.

If you want to boost effectiveness of laser hair removal, shave the unwanted hair couple days earlier before treatment. This way laser will have easier access to hair follicles. how do you think?

domains yahoo

Domains Yahoo
Yahoo! has a service called Yahoo! Small Business that sells domain names at a very attractive price. If you think of registering a domain through them, read on. And maybe also have a look at what others say.

First Yahoo! is not an accredited domain registrar, but simply a reseller for the Australian domain registrar Melbourne IT. If you ever have a problem with you domain registration however, you'll have to deal with Yahoo!, and their support is appalling to an extent I have never met before. They consistently and repeatedly reply to emails with irrelevant pre-made messages: this did not happen to me once or twice, but about fifteen times.

Given my first experience with their support staff, I rushed to transfer my domain to another registrar as soon as the 60-day no-transfer period after registration was over. The transfer was systematically denied. Whenever I got a human to reply, their answer showed a striking ignorance of .com transfer procedures, replying with transfer requirement only applicable to other types of domains (.info,…).

After three days, I ended up calling them and I was told that they could not do anything and referred me to Melbourne IT. Emailing and calling Autralia several times, I was told that I had to deal with the reseller (Yahoo!) directly.

I don't know at this point if my transfer will finally go through, but I have already spent much more in international calls than even the most expensive domain registrar around (e.g. Network Solutions sell domains at USD35)...

...article by YM's Blog (http://w2.syronex.com/jmr/blog/2005/10/yahoo_domain_registration)

What is domain?
A name by which a computer connected to the Internet is identified. A typical domain name looks like this: www.ibm.com. The "www." refers to the fact that this computer is connected to the World Wide Web; the middle portion of a domain name is usually the name of the company that owns the computer—in this case,IMB ; the final portion of a domain name tells you what kind of site is served by this machine—in this case, ‘.com’ means this is a commercial site...

EU domains? When?
All residents of the European Union are allowed to register a .eu domainname. The only obligation for registering a .eu domainname is residing or being established (for companies) in the European Union. The registration is open to private persons as well as to companies. Companies who are establised abroad, but that own a trademark in Europe or Europeans living outside Europe will contract out. The registration of European domain names will start on April 7 2006.
During an initial phase (starting on 7 December 2005) which will last four months, companies that are established in the European Union and that have registered trademarks, will have to possibility to register a domain name corresponding to their trademark or company name. This period is called the "sunrise period".
...article by http://www.eu-domain.bz

Domain Name Registrars
by: Mitchell Medford

Have you ever heard of the companies GoDaddy, eNom, or Network Solutions? These companies are domain name registrars. Domain names are the way humans remember webpages, and websites. For example, google.com is a lot easier to remember than the IP address of the website 64.233.187.99.

Visitors of your website, want a domain name, rather than an IP address to remember, so they can view your webpages. Domain names used to be free, but now, just like everything else, they cost money. Usually around 10 to 20 dollars a year. The different registrars have different services that they offer, and pricing structures; but they all serve the same basic function.

If you are thinking about creating a website, visit one of the registrars, and buy your domain name, before someone else gets it! You can buy a domain name that has already been registered, but then you end up paying hundreds to thousands of dollars for the domain!!

http://www.123kidzarea.com

http://www.absolutedirectory.com/


Isian Tamu