Carlsberg spúšťa Web-TV

Carlsberg spúšťa Web-TV bolo na mieste asi v televízny program spojiť s futbalom a humorista ostatné agendy, ktoré urobím z vás rozesmA a bezradné tiež musel Partofthegame.tv, že predložené pořad program futbalu, ktorý bol od klasických, že to bol moderný
Study group scheme flourishingThe UEFA Study Group Scheme, which heralds a new era in football technical co-operation across Europe Študijná skupina režime flourishingThe UEFA Study Group schémy, ktoré hlasatelé novej éry vo futbale technickej spolupráce-prevádzka po celej Európe
Here in web tv could also put forward the agenda in an online manner Tu v Web TV by tiež predložiť pořad v on-line spôsobom

Awesome in it
Come in please






www.partofthegame.tv

Rihanna won the American Music Award

Rihanna won the American Music Award for favorite female soul/R&B artist in Los Angeles Sunday night.

Singer-actor Jamie Foxx presented the recording artist with the first prize of the evening. Rihanna beat out Alicia Keys and Mary J. Blige for the honor.

"This is the first year, I guess, the fans got to vote, so thank you mainly to my fans who voted for me," Rihanna said upon accepting her statuette.

She won the AMA in the same category last year.

"Now I'm holding another AMA, which I'm very proud of," she said.

Keys won the award for favorite soul/R&B album for her CD "As I Am." Also nominated were Mariah Carey's "E=MC2" and Blige's "Growing Pains."

Comedian Jimmy Kimmel was the host of the award presentation, which took place at the Nokia Theatre in Hollywood.

Pop star Christina Aguilera opened the show with a medley of some of her greatest hits.

The Twilight

We finally watched the Twilight last sunday. we can't wait for another day to watch this much awaited movie, so we went to the theater when they get home from school. Young people have been waiting to see this movie because of the stars of the movie, Robert Pattinson and Stephenie. You can hear young people screaming with some romantic scenes from the movie. But I really think that the movie itself is really good and interesting.

After watching this movie, there is a point where I want to believe that Vampires somehow really exist somewhere behind the myth. I believe that the sequel can be a success but I think they should put more special effects on the "New Moon". I can't wait to read the 3 books before it goes to the big screen.

that is AWESOME

OTHERS

Holiday Glass Frames

I wish to go vacation in Bli, I will charge with the glasses with ensuring my eyes. But as allowed for each of the glasses I need, only one appointment of the Web site I which is zennioptical.com.

And for my load of Holiday Glass Frames From Zenni Optical I review all the sights out of glass of holidays of optical Zenni, and undoubtedly I buy the anatomy as in the account above, and I only pay it $19. You can the additional glasses accessible by aswell from acquisition, such as these complete glasses of $ 8 X-ray. They accept already covered by account of fox and thus achieve them while The popular online eyeglasses shop on line make shopping, for what are you cat-and-mouse, aces one your glasses of favourites now.
Zenni Optical oferece excelentes produtos para sua visão. Isto se configura de maneira ainda mais favorável, pois são produtos de qualidade a preços extremamente baratos ($ 8 Complete Rx Eyeglasses). Visite o site e descubra porque os produtos dessa empresa vem causando sensação nos Estados Unidos (Zenni Optical was on FOX news!).

Jenny's Headband

Jenny's Headband

This is from last week episode of Gossip Girl - 'There Might be Blood'
I suppose to post this last week, but i'm just to lazy to blog (TLTB.. ?haha)

I'm so in love with Jenny's headband at the first sight..
I googled it, but there's no close up picture of her headband on the sites!
*sighs
So, once again, I decided to captured it.
That's why the pics are a little bit blurry..


And this one from The CW :


Jenny's dress was H&M.
Gossipgirlinsider site said that her headband was from Tarina Tarantino.

Last week show was belonged to Jenny, and I love how the story goes:)

Baby Doll By Girlicious In Toronto

This video was taken the last time Girlicious went to Toronto. This is one of my favorite song of Gilricious. "Baby Doll"

Auto loan finance

Auto loan finance is a type of lending arrangement, usually for a mortgage, in which a borrower also maintains a savings account with the lender. Instead of receiving interest on the savings account, the interest payment due on the loan is calculated only on the net balance of the loan less the savings account. The regular payment is calculated on the full amount of the loan, however, so making regular payments will pay off the loan faster than a standard loan with the same interest rate, amount, and periodic payment.
Lenders usually charge a higher interest rate on offset loans than other types of loans. This makes offset loans only a good idea for borrowers that normally have large cash balances. If the cash to be used to offset is permanently available to pay down the mortgage and not needed for emergency spending, borrowers are normally better off pre-paying a more typical mortgage.
Many offset loans are also flexible in their periodic payment amounts, allowing for overpayment, or underpayment if prior overpayment has been made. This makes them more attractive to some of the population likely to use them (those with irregular income), but is not a key defining feature of the loan.
The field of finance refers to the concepts of time, money and risk and how they are interrelated. Banks are the main facilitators of funding through the provision of credit, although private equity, mutual funds, hedge funds, and other organizations have become important. Financial assets, known as investments, are financially managed with careful attention to financial risk management to control financial risk. Financial instruments allow many forms of securitized assets to be traded on securities exchanges such as stock exchanges, including debt such as bonds as well as equity in publicly-traded corporations.

DEBT relief

debt relief is the partial or total forgiveness of debt, or the slowing or stopping of debt growth, owed by individuals, corporations, or nations. It concerns in particular the Third World debt, which started exploding with the Latin American debt crisis (Mexico 1982, etc.).

Debt relief for heavily indebted and underdeveloped developing countries was the subject in the 1990s of a campaign by a broad coalition of development NGOs, Christian organizations and others, under the banner of Jubilee 2000. This campaign, involving, for example, demonstrations at the 1998 G8 meeting in Birmingham, was successful in pushing debt relief onto the agenda of Western governments and international organizations such as the International Monetary Fund and World Bank. Ultimately the Heavily Indebted Poor Countries (HIPC) initiative was launched to provide systematic debt relief for the poorest countries, whilst trying to ensure the money would be spent on poverty reduction.Opponents of debt relief argue that it is a blank cheque to governments, and fear savings will not reach the poor in countries plagued by corruption. Others argue that countries will go out and contract further debts, under the belief that these debts will also be forgiven in some future date. They use the money to enhance the wealth and spending ability of the rich, many of whom will spend or invest this money in the rich countries, thus not even creating a trickle-down effect. They argue that the money would be far better spent in specific aid projects which actually help the poor. They further argue that it would be unfair to third-world countries that managed their credit successfully, or don't go into debt in the first place, that is, it actively encourages third world governments to overspend in order to receive debt relief in the future. Others argue against the conditionalities attached to debt relief. These conditions of structural adjustment have a history, especially in Latin America, of widening the gap between the rich and the poor, as well as increasing economic dependence on the global North

Auto insurance quote

Student loans

ABS collateralized by student loans (“SLABS”) comprise one of the four (along with home equity loans, auto loans and credit card receivables) core asset classes financed through asset-backed securitizations and are a benchmark subsector for most floating rate indices. Federal Family Education Loan Program (FFELP) loans are the most common form of student loans and are guaranteed by the U.S. Department of Education ("DOE") at rates ranging from 95%-98% (if the student loan is serviced by a servicer designated as an "exceptional performer" by the DOE the reimbursement rate was up to 100%). As a result, performance (other than high cohort default rates in the late 1980's) has historically been very good and investors rate of return has been excellent. The College Cost Reduction and Access Act became effective on October 1, 2007 and significantly changed the economics for FFELP loans; lender special allowance payments were reduced, the exceptional performer designation was revoked, lender auto insurance quote rates were reduced, and the lender paid origination fees were doubled.

A second, and faster growing, portion of the student loan market consists of non-FFELP or private student loans. Though borrowing limits on certain types of FFELP loans were slightly increased by the student loan bill referenced above, essentially static borrowing limits for FFELP loans and increasing tuition are driving students to search for alternative lenders. Students utlilize private loans to bridge the gap between amounts that can be borrowed through federal programs and the remaining costs of education

Proponents' stance

Proponents claim that cash advance today provide a service that is not available from other sources. Many credit unions have attempted to offer similar products, but have been unable to do so without government subsidies or grants, a fact that many lenders and reports have highlighted. Furthermore, most of these programs offered by credit unions have ended due to the high default rates of borrowers.[citation needed]

A staff report released by the Federal Reserve Bank of New York concluded that payday loans should not be categorized as "predatory" since they may improve household welfare."Defining and Detecting Predatory Lending" reports "if payday lenders raise household welfare by relaxing credit constraints, anti-predatory legislation may lower it." The author of the report, Donald P. Morgan, defined predatory lending as "a welfare reducing provision of credit." However, he also noted that loans are very expensive, and that they are likely to be made to under-educated households or households of uncertain income.
A study by the FDIC Center for Financial Research[citation needed] found “operating costs lie in the range of advance fees” collected and that, after subtracting fixed operating costs and “unusually high rate of default losses,” payday loans “may not necessarily yield extraordinary profits.” Based on the annual reports of publicly traded payday loan companies, loan losses can average 15% or more of loan revenue. Underwriters of payday loans must also deal with people presenting fraudulent checks as security or making stop payments.

Critics concede that some borrowers may default on the loans, but point to the industry's pace of growth as an indication of its profitability. Consumer advocates condemn the practice as a whole, regardless of its profitability, because it "takes advantage of consumers who are already hard-pressed to pay their debt

Car Insurance

Teenage drivers who have no driving record will have higher car insurance premiums. However, young drivers are often offered discounts if they undertake further driver training on recognised courses, such as the Pass Plus scheme in the UK. In the U.S. many insurers offer a good grade discount to students with a good academic record and resident student discounts to those who live away from home. Generally insurance premiums tend to become lower at the age of 25. Senior drivers are often eligible for retirement discounts reflecting lower average miles driven by this age group.
An excess payment, also known as a deductible, is the fixed contribution you must pay each time your car is repaired through your car insurance policy. Normally the payment is made directly to the accident repair "garage" (The term "garage" refers to an establishment where vehicles are serviced and repaired) when you collect the car. If one's car is declared to be a "write off" or "total loss"("write off" is commonly used in motor insurance to describe a vehicle the worth of which is less than the cost of repair), the insurance company will deduct the excess agreed on the policy from the settlement payment it makes to you.

If the accident was the other driver's fault, and this is accepted by the third party's insurer, you'll be able to reclaim your excess payment from the other person's insurance company.

Here is a brief

Here is a brief list of possible fees that may apply to your home equity loans: 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.
the loan of stockholders' equity at house (sometimes shortened HEL) is a type of loan in which the borrower employs the stockholders' equity in their house as a guarantee. It is sometimes useful to help these loans to finance important repairs at the house, medical invoices or the education of university. A loan of stockholders' equity at the house creates a privilege against the borrower the 'house of S, and tiny room of the stockholders' equity at the house realities.

The loans of stockholders' equity at the house are most generally the second privileges of position (second fiduciary act), although they can be held inside initially or, less generally, the third position. The majority of the loans of stockholders' equity at the house require the good one with the excellent history of credit, and reasonable loan-with-value and the combined reports/ratios of loan-with-value. The loans of stockholders' equity at the house come in two ends of the types, mouthfuls and open.

Both usually indicated under the name of the mortgages, because they are fixed against the value of the property, just like a traditional mortgage. The loans of stockholders' equity at the house and the credit lines are usually, but not always, for more a short term that mortgages. In the United States, it is sometimes possible to deduce the interest from loan of stockholders' equity at the house on a 'of the personal income taxes of S.

There is a difference specific between a loan of stockholders' equity to the house and a credit line of stockholders' equity at house (HELOC). A HELOC is a credit line permanent with an adjustable interest rate while a loan of stockholders' equity at the house is a loan of lump sum of once, often with a rate with fixed interest.

UNSECURED CREDIT CARDS FOR PEOPLE WITH

Bad credit credit cards? Looking for UNSECURED CREDIT CARDS FOR PEOPLE WITH
BAD CREDIT? Recently turned down for an unsecured credit card? Bad credit is no problem for the unsecured credit card companies on this page. Not looking for an unsecured credit card?
Are you ready to start making money from your home? Starting a home based business doesn't get any easier! Here you will find hundreds of books, guides, and kits to help you start your own home based business!

Our business books & kits will provide you with all the information you need to start a successful business from your home. Do you want to know where you can find the best wholesale deals? Are you looking for drop ship opportunities? Want to know how and where to buy foreclosed real estate? Do you need financing for your business? Well we can help!
If you are considering on applying on one, here are some things you should know about:

* Credit Cards with low APRs may surprisingly include higher annual fees so be sure to ask your credit card issuer about it.
* An interest rate advertised as "fixed" can change with an advance notice from the credit card issuer. This means the original APR when you signed up can increase after a time period specified.
* A good credit card provides not only low APR but offers rewards as well such as travel miles, fuel savings, cash rebates and other perks.
* Make sure that the credit card provides a grace period that lets you pay your bill at the end of the month without extra charges. Some cards begin charging you interest the same day your purchased was made.
* Even if your credit card allows grace period for purchases, be careful of the interest rate spike associated with making cash advances. Typically cash advance interest rates are around 18%

Citi® Platinum Select®
Just because a credit card is offering a low APR doesn’t immediately mean, it is the best choice for you. Make sure you understand all terms and conditions included in the deal. If there are points that are not clear to you, don’t hesitate to inquire about them. Be careful in rushing into an offer just because of attractive perks or discounts advertised. Some of these deals might not even be suitable for you. You may find that you’re not really benefiting from the advantages you signed up for simply because it doesn’t suit your lifestyle.

If you already own a credit card or two, it might not be a good idea to call your current card holders and see if they have any rate specials. If so then do the “balance transfer shuffle” and move high interest rate balances onto the lower rate card.

If they do not have anything available to you, or claim these special interest rates are good only for new customers, its time to sign up for another credit card.

Remember, the more credit cards you have on hand, the more chances you have to overspend. So stick with the one you already have, and focus on paying your bills on time and keeping track on your account regularly. This way surcharges from over due bills are prevented. More importantly, you will have more control over your credit cards and the debt associated with credit cards. With careful planning and maintaining a careful eye on your interest rates you could start down the road to becoming debt free.

cash advance services

Alternatives to payday loans

Other options are available to most payday loan customers. These include pawnbrokers, credit union loans with lower interest and more stringent terms, credit payment plans, paycheck cash advances from employers, cash advance services bank overdraft protection, cash advances from credit cards, emergency community assistance plans, small consumer loans and direct loans from family or friends.

Payday lenders do not compare their interest rates to those of mainstream lenders. Instead, they compare their fees to the overdraft, late payment, and penalty fees that will be incurred if the customer is unable to secure any credit whatsoever.

The lenders therefore list a different set of alternatives (costs expressed here as APRs for two-week terms):[citation needed]

* $100 payday advance with $15 fee = 391% APR;
* $100 bounced check with $48 NSF/merchant fees = 1,251% APR;
* $100 credit card balance with $26 late fee = 678% APR;
* $100 utility bill with $50 late/reconnect fees = 1,304% APR.

A minority of mainstream banks offer advances for customers whose paychecks or other funds are deposited electronically into their accounts. The terms are similar to those of a payday loan; a customer receives a predetermined cash credit available for immediate withdrawal. The amount is deducted, along with a fee, usually about 10 percent of the amount borrowed, when the next direct deposit is posted to the customer's account. After the programs attracted regulatory attention

Pricing structure of payday loans

Pricing structure of payday loans

Issuers of payday loans defend their higher interest rates by saying processing costs for payday loans do not differ much from other loans, including home mortgages.[citation needed] They argue that conventional interest rates for lower dollar amounts and shorter terms would not be profitable. For example, a $100 one-week loan, at a 20% APR (compounded weekly) would generate only 38 cents of interest, which would fail to match loan processing costs.

Critics[who?] say payday lenders' processing costs are significantly lower than costs for mortgages and other traditional loans. Payday lenders usually look at recent pay-stubs, whereas larger-loan lenders do full credit checks and make a determination about the borrower's ability to pay back the loan.[citation needed]
Proponents claim that cash advance now loans provide a service that is not available from other sources. Many credit unions have attempted to offer similar products, but have been unable to do so without government subsidies or grants, a fact that many lenders and reports have highlighted. Furthermore, most of these programs offered by credit unions have ended due to the high default rates of borrowers.[citation needed]

A staff report released by the Federal Reserve Bank of New York concluded that payday loans should not be categorized as "predatory" since they may improve household welfare. "Defining and Detecting Predatory Lending" reports "if payday lenders raise household welfare by relaxing credit constraints, anti-predatory legislation may lower it." The author of the report, Donald P. Morgan, defined predatory lending as "a welfare reducing provision of credit." However, he also noted that loans are very expensive, and that they are likely to be made to under-educated households or households of uncertain income.

The loan process

A payday loan (also called a paycheck advance or payday advance) is a small, short-term loan that is intended to cover a borrower's expenses until his or her next payday. The loans are also sometimes referred to as cash advances, though that term can also refer to cash provided against a prearranged line of credit such as a credit card. Legislation regarding payday loans varies widely between different countries and, within the USA, between different states.

Retail lending
Borrowers visit a payday lending store and secure a small cash loan, with payment due in full at the borrower's next paycheck (usually a two week term). In the United States, finance charges on payday loans are typically in the range of 15 to 30 percent of the amount for the two-week period, which translates to rates ranging from 390 percent to 780 percent when expressed as an annual percentage rate (APR)The borrower writes a postdated check to the lender in the full amount of the loan plus fees. On the maturity date, the borrower is expected to return to the store to repay the loan in person. If the borrower doesn't repay the loan in person, the lender may process the check traditionally or through electronic withdrawal from the borrower's checking account.

If the account is short on funds to cover the check, the borrower may now face a bounced check fee from their bank in addition to the costs of the loan, and the loan may incur additional fees and/or an increased interest rate as a result of the failure to pay. For customers who cannot pay back the loan when due, members of the national trade association are required to offer an extended payment plan at no additional cost. In states like Washington, extended payment plans are required by state law.

Payday lenders require the borrower to bring one or more recent pay stubs to prove that they have a steady source of income. The borrower is also required to provide recent bank statements.[citation needed] Individual companies and franchises have their own underwriting criteria.

Angelina Jolie Weight Loss with Wii

I am more eager to buy Wii fit when I found out that one of my favorite actress, Angelina Jolie is using Wii toys of her kids to lose weight and get back on shape after prenancy. I will definitely buy Wii fit on boxing day.

I really think using Wii video games is a fun way to lose weight. You can have fun playing with your kids while burning fats. Because it require you to use your body to control the games. I can imagine how much quality time I can spend with my kids while trying to lose weight. Angelina Jolie's kids are very smart in convincing her that video games were more than ust fun. You can do anything from Wii from practicing math, read music and exercise.

The Barack Obama victory

The Barack Obama victory over John McCain was welcomed merry his supporters in all the United States corners. In the Washington capital, for example, the supporter Obama gathered in the centre of the city till late at night. Obama succeeded in seizing 338 electoral vote, far above the figure 270 that was needed to win. Whereas his rival McCain only gained 141 electorel vote. In the speech on his victory in Grant Park, Chicago, on Illinois, Obama delivered that the victory that was gained by him was the victory of all the US people who wanted the existence of the change. However he warned, was not easy to bring about the change that he promised. Because of that he asked all the people to berkerja same brought about the USA that was better. Following the victory, McCain admitted to sending congratulations at the same time accepting the defeat. He also stated the support as well as was ready to co-operate with the Obama government [read: Obama Menang, McCain Mengaku Kalah]. Obama would official held the office of US President on January 20 2009. In the meantime, the Obama victory also received the address from various parts of the world,

Barack Husein Obama Junior made the history

Barack Husein Obama Junior made the history. The United States people chose him as the president of the first black person replaced George Bush. The candidate who lost, John McCain, ended the announcement of the winner of the general election at once gave the speech in front of his supporter [read: the Victory Obama was responded to Positive]. In his speech McCain sent congratulations to Obama. He praised Obama that was mentioned by him gave the inspiration to the resident AS. McCain said was prepared to co-operate with Obama. Whereas to his supporters, McCain, asked in order to accept the defeat and stay fighting for the sake of the country. Not long after McCain gave the speech, the Obama turn sent the message to thousands of his supporters in Chicago. The "trip in the future really was difficult, possibly we could not reach him in one year or one term of office." But big my hope we could arrive at the aim. I promised, we will as the nation be successful, said Obama. Obama delivered the speech on the victory in front of thousands of his supporters who were protracted in confused and the happiness. "If" The Obama victory was welcomed by the resident's happiness of the black person and white people in the corner of AS. Dari Harlem, New York, Saint Louis, Missouri to Columbus, Ohio, the resident took to the streets celebrated the new round the history of AS. Pesta of the victory in Los Angeles was spread out by the Democratic Party in the Hyatt Century Plaza Hotel. Obama proved <> emancipation proclamation < /i > that was thought of by President Abraham Lincoln in the last 145 years only did not release the resident of the American black person from slavery, but also could make a resident of the black person become the number one person in the superpower's country. For the Indonesian resident, the Obama name has adhered. Understand he once the school in the Primary School of Besuki Menteng, Jakarta Pusat. Obama was known as the smart child. The stepbrother Obama, Maya Soetoro, had said, since childhood Obama quite clever. Because of that Maya was sure Obama could captain the USA that currently is coiled around by the crisis. "I did not understand the argument that doubted his capacity," said Maya. Obama was chosen because of offering a change. In his foreign policy, Obama asked the enemies

President Obama's First Step: Reset Expectations

If President Elect Obama were the incoming CEO of a corporation, he would now be preparing for the first act of his tenure: A massive write-off of the mountains of rotted junk buried on the company's balance sheet and an announcement that recovery will take a long, long time.

This flush would clear the way for several years of better than expected results. It would also take advantage of the new leader's one chance to blame the sorry state of the organization on his sorry predecessor.

President Obama began this process last night, in his victory speech, when he noted that restoring the country's health might take more than a term. In the next few weeks, he should go well beyond this:

• The deficit will be more than $1 trillion a year for several years
• The country needs a massive new fiscal stimulus
• The housing market will continue to decline through at least 2010
• Interest rates and taxes will eventually have to rise (after the economy stabilizes)
• Weak corporations have to be allowed to fail
• Millions of homeowners will lose their house
• Unemployment will probably rise to 10%
• The government simply cannot "bail the country out" -- not because it lacks the will, but because it lacks the power

In short, Obama needs to acknowedge reality, erring on the side of overstating the problems and challenges, and he needs to prepare the country for several tough years. Because if he doesn't, within six months of his taking office, the country will have forgotten all about the prior administration and will instead be blaming everything on him.

Mirrors The Movie

I just finished watching Mirrors starring my favorite actor KEIFER SUTHERLAND. The story is about an ex-cop who works as a security guard in an old abandoned mall and discovers something weird in the mirrors of a department store. He tries to find the origin of the evil and discovers that there are murderous reflections out for revenge. He traces the haunted occurrences back to a hospital and a schizophrenic patient's evil spirit trapped in a mirrored room.

Some people might find it just for entertainment and will not learn anything from it. Creepy and can create nightmares for children. I still find it worth the time and will make your brain think while you watch movie, on how KEIFER SUTHERLAND will solve the problem and release his family from the hands of the evil spirits.

Watch The Mummy- Tomb of the Dragon Emperor

I actually watched the movie , The Mummy- Tomb of the Dragon Emperor, last Sunday, but I didn't had the chance to share it here right away. As usual, I am caught up with my busy busy life on and off the internet. I know too, that a lot of people have seen this movie but for people who haven't got the chance to watch the movie, don't waste your time because this is another entertaining movie to watch.

If you are not a person who love to watch impossible scenes, well maybe this movie is not for you. I like the movie not because of it's fantasy adventure story but the technological effect that made the movie looks real.

Although, I find the way of Han Emperor's resurections imposible to happen in real life, but watching how the resurrection takes effect just amazed me. I also love the mummy's fight. It's so funny to look how their arms and heads taken off their body..lols..

The Mummy- Tomb of the Dragon Emperor, starring Brendan Fraser, Jet Li, Luke Ford, and Maria Bello.