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10 Ways to Avoid Password Headaches
Passwords are the scourge of the digital age. Again and again, we are tortured by a multitude of passwords that force us to rack our brains for cryptic words like ch14zdo.Get used [...]
01 Feb 2011 | 0 commentsView Post - 01 Feb 2011 | 0 commentsView Post
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Top 20 Most Beautiful Women in the World
The top 20 Most Beautiful Women in the World! With so many beautiful woman world wide. These women are selected from fashion, movies, music and other arenas are filled with exquis [...]
31 Jan 2011 | 0 commentsView Post -
Victims of Drinking
It’s almost time for New Year’s Eve party! Every year, boys and girls go extra wild on New Year’s Eve without caring what may happen to them. While it’s a happy day for us to welc [...]
29 Jan 2011 | 0 commentsView Post

Clair Reid Tattoos
Here is the collection of Tattoos by Clair Reid... More than 20 tattoos have been collected for you.... check them out..[...]

Stylish Bird Tattoo Design
There are various sources that can inspire some amazing Bird tattoo designs. Try and get an idea from some unusual sources. Think of instances when you see a bird looks different on one of your regular event. Such instances can inspire some of the most unique bird tattoo designs.Tattoo design you want to get the color[...]

Angel And Demon Tattoos
Looking at the meanings of “good” and “evil”; we see a balance in many things around us. In our lives we want to make sure there is a level of balance. One way that many want to show this is through the art of tattooing a representation of angel devil tattoos. But, this symbol doesn’t represent balance in its meanings[...]
Valentine Day Tattoos Designs 2011
Here are some valentine Day Tattoo Designs.. [...]
Tribal Tattoos
Here is a collection of tribal tattoosTribal Tattoo with cloudsTribal Dragon TattooTribal Dragon Black TattooTribal Capricorn TattooTribal Celtic TattooTribal Butterfly Back TattooTribal Back With Kanji TattooTribal Back Tattoo for MenRose Tribal Tattoo Gerry TribalBlack Star Tribal TattooTribal Dragon Tattoo for Uppe[...]

Hearts Tattoo
A collection of colorful heart tattoos:[...]

Facebook History
Here we are sharing a funny stuff about Facebook which shows that what would happen if Facebook was there in history and how the major personalities of various time period would use it..... Check this out..[...]

Victims of Drinking
It’s almost time for New Year’s Eve party! Every year, boys and girls go extra wild on New Year’s Eve without caring what may happen to them. While it’s a happy day for us to welcome the year of 2011, make sure you don’t get too drunk in the party or you may end up looking like these poor victims below.[...]

FACTS OF LIFE...... Enjoy Reading..
* If your father is a poor man, it is your fate, but if your father-in-law is a poor man, it's your stupidity. * If you are born ugly blame your parents, if you died ugly blame your doctor. * I was born intelligent - education ruined me. * Practice makes perfect.....But nobody's perfect......so why practi[...]

When Wife leaves Child to Husband!!
Lets see what happens when wives leave their children to their husbands....[...]

Unfortunate Advertisements Placements
Proper ad placement is very important for any advertising campaign.. Advertisers do pay lot of attention on this thing.. But advertisements placements are not always proper. Sometimes it creates very funny situations. Some of these types of unfortunate ad placements are shown belos...I hope these pictures will make yo[...]

Who is Intelligent : BOY or GIRL ???
One day, a girl, 16yrs old, heard from her mother that if she does a regular prayer for 4 yrs, a divine "Angel" would come to her in her dreams & give her 3 opertunities to wish anything. So she decided to do it. She completed 4 yrs successfully, doing prayer regularly.Now it was a day for "Angel" to come. So she [...]
Fenugreek Leaves fritters/Methi Vadas:
Ingredients:1 cup Yellow Cornmeal,1/2 cup Plain flour,1 tbsp Cornstarch,1 cup fresh or 1/2 cup frozen Fenugreek leaves(Methi),1/2 tsp sugar(yes,sugar!),salt,few green chillies chopped,1 medium Onion minced,1 tsp grated ginger, 1/4 tsp baking soda,3 tbsp hot oil,and some Cilantro(optional)Method:Mix all the above dry i[...]
Bread Made With Tangy Sour Cream
Bread made with tangy Sour cream, Potato flakes and spices like garlic etc makes this loaf a delectable snack to have any time of the day. It's texture is very soft inside and bit crusty outside since we add a bit a baking soda along with yeast. It bakes to a gorgeous golden color speckled with herbs and spices, toast[...]
Artichoke Hearts and roasted Bell Peppers Farfalle Pasta!
Method:1. Cooked Butterfly/Farfalle Pasta al-Dente, drained and added to a bowl.2. Roasted green and red Bell peppers, few Tomato slices, drained canned Artichoke Hearts, cooled them for 10mins.3. Mixed Pasta, roasted veggies, 1 tbsp Parmesan cheese, few slices of bottled Vinegary Jalapenos, 2 tbsp mixed fresh herbs l[...]
Aloo Biryani with Cucumber Raita
I made this Aloo Biryani the easy way. Instead of cooking and layering like the usual Biryani is done, I mixed the masala to already cooked rice and sauteed Potatoes like Pulao. Instead of Aloos, you can also add mixed veggies or meat to this Biryani masala too.Aloo Biryani:1. Cook rice with pinch of salt, some lemon [...]
Egg Jalfrezi
Jalfrezi is a tasty sweet and spicy concoction of Bell Peppers, Tomato and Onion. You can add any vegetable of your choice or mixed veggies, meat or hard boiled Eggs into this thickish gravy.There are many ways to make the Jalfrezi, here is my milder version since my kids like milder and sweeter sauce than spicy. You [...]
Gobi Aloo Tamatar masala
The title literally means Cauliflower, Potato, Tomato in spices, you can make this with or without sauce. You can add any veggies like green peas and cooked beans to this recipe. Just make sure that you don't cook the veggies to death which leaves the dish without any nutrition! :)Ingredients:1 small head of Cauliflow[...]

How to Seduce a Woman
Seduction has for ages been the most exciting thing in a relationship. Though most people are clueless as to how to seduce, they do not mind being seduced! It requires some amount of practice to master the art of seduction. But hey, practice makes you perfect! Now that you have nothing to lose, read on for some genera[...]

How to Seduce a Man
Seduction has for ages been the most exciting thing in a relationship. Though most people are clueless as to how to seduce, they do not mind being seduced! It requires some amount of practice to master the art of seduction. But hey, practice makes you perfect! Now that you have nothing to lose, read on for some genera[...]

How to Know if She Loves You
It is not an easy job to know whether a woman likes you. Women are by nature, nurturers. It is natural for them to lavish affection and care. So if a woman you like pampers you like a baby, don't take it for granted that she is in love with you. However, if she goes out of her way to make you feel special, then there [...]

The Second Date
You had the time of your life in your first date. You think of him/her every now and then. You yearn to catch a glimpse of your date and will be thankful even if you get to spend just 5 minutes with him/her. Congratulations, you are eligible to proceed onto your second date. And, if you date is giving hints of meeting[...]

How to Know if He Loves You
So, you have known this guy for quite some time now. You love being with him and never feel lonely when he is around. Your face breaks into a smile at the very mention of his name. The first person you think of when you get up in the morning is him. But does he feel the same way about you too? Guys are finicky when it[...]

First Date Ideas
You have finally managed to ask him/her out and the D-day is just round the corner. Though you have been struggling hard to make it special and have left no stone unturned, yet you have a feeling of something lacking in it and would like to be more innovative to add that special zing to make it look fabulous. The obvi[...]
Fenugreek Leaves fritters/Methi Vadas:
Ingredients:1 cup Yellow Cornmeal,1/2 cup Plain flour,1 tbsp Cornstarch,1 cup fresh or 1/2 cup frozen Fenugreek leaves(Methi),1/2 tsp sugar(yes,sugar!),salt,few green chillies chopped,1 medium Onion minced,1 tsp grated ginger, 1/4 tsp baking soda,3 tbsp hot oil,and some Cilantro(optional)Method:Mix all the above dry i[...]
How to Seduce a Woman
Seduction has for ages been the most exciting thing in a relationship. Though most people are clueless as to how to seduce, they do not mind being seduced! It requires some amount of practice to master the art of seduction. But hey, practice makes you perfect! Now that you have nothing to lose, read on for some genera[...]
Facebook History
Here we are sharing a funny stuff about Facebook which shows that what would happen if Facebook was there in history and how the major personalities of various time period would use it..... Check this out..[...]
How to Seduce a Man
Seduction has for ages been the most exciting thing in a relationship. Though most people are clueless as to how to seduce, they do not mind being seduced! It requires some amount of practice to master the art of seduction. But hey, practice makes you perfect! Now that you have nothing to lose, read on for some genera[...]
Bachelorette Party
A bachelorette party is a party held for a woman, who is going to get married soon. It is also known as hen party, hen do, or hen night. In some countries bachelorette party is called as stagette, or may also be referred to as a girls' night out, or kitchen tea in some countries. A Bachelorette Party is an event in it[...]
Bachelor Party Destinations
Your friend is all set to enter his new life and being his close friend, your task is to find the perfect place to end his single days. But it can't be just any place. It's got to be good. Just make his last night as a single man a tribute to the life he's led up till now. For doing so, you must be looking for the tre[...]
Student Borrowing: University Payment Plans Vs. Federal Student Loans
Borrowing to pay for your education isn't appealing to everyone – especially when 30-year repayment plans are par for the course. If scholarships don't cover all or part of the bill, most schools offer university payment plans that divide tuition payments into more manageable amounts.
How University Payment Plans Works
Payment plans are programs to allow students to pay tuition in installments rather than all at once. Let's say your tuition and fees total $3,500 per semester or $7,000 for the year. You have the option of setting up an annual, semester, or monthly-based payment plan. A monthly plan would divide $7,000 among the number of months you select, based on the options provided by the institution. For example, if you select 10 monthly payments, your payments would be $700 at the beginning of each month. In some situations, your payments could start a couple of months before the fall semester starts or at enrollment. The final payment would conclude before the spring semester ends. Usually, there is no interest charged; instead, an enrollment fee of $25 to $45 is charged on each installment. Before considering university payment plans, start by getting full details on when payments are due, when (and if) interest is charged, if there are any startup charges and if there are late fees.
How Much Emergency Savings Will You Need?
Outside of college, six to eight months is considered an adequate amount of savings. One semester of expenses is the minimum needed if you are planning to get through college without borrowing money.
You can calculate expenses for one semester with a cost of attendance calculator. University websites should provide a cost of attendance calculator or generic college budgeting calculator. A good calculator will estimate total costs to attend school and should include room and board, tuition, books, fees, student health care or wellness fees and transportation. Generic college budget calculators aren't university specific and are especially helpful when you are in the planning stage of where you want to attend school. A bonus to generic college budget calculators is you can include specific expenses you are concerned about, such as spring break and other social expenses.
Once you have a number for your expenses, you need to have this amount saved before you reject any federal student loans you are eligible to receive. If you are going to rely on unguaranteed income such as tips or a job you haven't started yet, put aside an extra half-semester of cash reserves.
Use Private Loans as Last Resort
If you reject federal student loans at the beginning of the year, but experience a budget shortfall, you can still borrow private loans. However, you will forgo the fixed-interest rates.
For example, let's say you lost your job midway through the semester and could no longer afford your payments. You borrow a private loan with interest rate terms of prime plus 4%. Your interest rate and future payment schedule could rise or fall with the economy. However, you could have secured a federal student loan at the beginning of the semester that you could have paid back if you didn't have the money.
Alternative and Supplements
Choosing not to use a university payment plan doesn't mean you have to have huge student loan payments after graduation. Try these tips instead of, or in cooperation with, university payment plans.
* Base your borrowing on future income. Borrowing for education is not a bad idea if you are confident you can pay it back. You can estimate your future income by looking at entry-level positions in your field at certain job-income websites or during an appointment with your career counselor.
* Base second-year borrowing on first-year spending. Don't reject student loans if you don't have enough emergency savings to cover tuition and other expenses. You can always leave this money in an account to accumulate interest throughout your four years. If you never need it, you'll earn back the loan origination fees and then some in interest over the course of a four-year bachelor's degree.
* If you qualify for subsidized loans, you're out the loan origination fee, but the government pays your interest while you're in school. If you are unsure of how much you'll be able to pay for with a university payment plan, a good option is to exhaust subsidized student loan borrowing first.
* Reject part of your loan award. If your student-aid report comes back and says you are eligible to borrow $6,000 per semester, you don't have to borrow the full amount. Many creditors are willing to lend more than you can easily afford to repay, so be sure to borrow only as much as you need.
* Dedicate time for your scholarship search. Scholarships are always a better option than student loans or university payment plans. Whether you are attending college for the first time or you're a graduate student, make an appointment with your high school or college financial aid officer to discuss scholarships.
* If college bills are hard to handle, look for a cheaper college with similar programs. This isn't always the best option, but it's one you should consider – especially if future income doesn't match well with what you would need to borrow.
The Bottom Line
University payment plans are a terrific option for reducing student loan borrowing, but only if you can afford your payments. Tread carefully. Get full details about your university's payment plan options, calculate cost of attendance, have at least a semester in savings before you begin, and borrow federal student loans if your money is tight. You can always begin a university payment plan next year when you know you're ready.
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Fenugreek Leaves fritters/Methi Vadas:
Ingredients:1 cup Yellow Cornmeal,1/2 cup Plain flour,1 tbsp Cornstarch,1 cup fresh or 1/2 cup frozen Fenugreek leaves(Methi),1/2 tsp sugar(yes,sugar!),salt,few green chillies chopped,1 medium Onion minced,1 tsp grated ginger, 1/4 tsp baking soda,3 tbsp hot oil,and some Cilantro(optional)Method:Mix all the above dry i[...]

How to Seduce a Woman
Seduction has for ages been the most exciting thing in a relationship. Though most people are clueless as to how to seduce, they do not mind being seduced! It requires some amount of practice to master the art of seduction. But hey, practice makes you perfect! Now that you have nothing to lose, read on for some genera[...]

Facebook History
Here we are sharing a funny stuff about Facebook which shows that what would happen if Facebook was there in history and how the major personalities of various time period would use it..... Check this out..[...]

How to Seduce a Man
Seduction has for ages been the most exciting thing in a relationship. Though most people are clueless as to how to seduce, they do not mind being seduced! It requires some amount of practice to master the art of seduction. But hey, practice makes you perfect! Now that you have nothing to lose, read on for some genera[...]

Bachelorette Party
A bachelorette party is a party held for a woman, who is going to get married soon. It is also known as hen party, hen do, or hen night. In some countries bachelorette party is called as stagette, or may also be referred to as a girls' night out, or kitchen tea in some countries. A Bachelorette Party is an event in it[...]

Bachelor Party Destinations
Your friend is all set to enter his new life and being his close friend, your task is to find the perfect place to end his single days. But it can't be just any place. It's got to be good. Just make his last night as a single man a tribute to the life he's led up till now. For doing so, you must be looking for the tre[...]
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- Ladies, Know Your Proper Bra Size
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- Top 20 Most Beautiful Women in the World
- Thought Provoking Questions
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- Baby Shower Party Invitation
- Do's and Don'ts on First Date
- Cheesy Scallion Bacon bread
- Chota Alu (Baby Potatoes) Masala
- Lychees-mixed fruit bread pudding
- Baby Shower Decoration
- Baby Shower Party
- Garden Lawn
- First Date Tips
- Rose Day:Meaning of Roses by Number
- Rose Day : Meanings of Roses (By Colours)
- The Okutama Mountains in Japan
- Dating Advice For Women
- Valentine's Day Quotes 2011
- Victims of Drinking
- Volkswagen SUV Touareg
- Valentine Day Gift Ideas
- Crocheted Valentines
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- Using Base Metals As An Economic Indicator
- Rolls-Royce Apparition ... Concept Car ...
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- The Young Thief and his Mother
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- The Life Cycle Of Mercedes Benz
- Room Decor Ideas
- Cinnamon Apple Pancakes,Sausages and savory Hashbrown
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- Baby Shower Party Gifts
- Baby Shower Party Games
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- Banarasi Aloo
- HOW TO : Rename Internet Explorer To Your Name
- Organdi Flower Roses
- Gazpacho with Indian spices and ginger Sherbet!
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- Quotes on India
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- HOW TO : Remove Gmail Web Clips
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- Dating Tips For Man
- Ladies, Know Your Proper Bra Size
- Gobi Aloo Tamatar masala
- Top 20 Most Beautiful Women in the World
- Thought Provoking Questions
- Bachelor Party
- Baby Shower Party Invitation
- Do's and Don'ts on First Date
- Cheesy Scallion Bacon bread
- Chota Alu (Baby Potatoes) Masala
- Lychees-mixed fruit bread pudding
- Baby Shower Decoration
- Baby Shower Party
- Garden Lawn
- First Date Tips
- Rose Day:Meaning of Roses by Number
- Rose Day : Meanings of Roses (By Colours)
- The Okutama Mountains in Japan
- Dating Advice For Women
- Valentine's Day Quotes 2011
- Victims of Drinking
- Volkswagen SUV Touareg
- Valentine Day Gift Ideas
- Crocheted Valentines
- Student Borrowing: University Payment Plans Vs. Fe...
- Using Base Metals As An Economic Indicator
- Rolls-Royce Apparition ... Concept Car ...
- Chicken Patty,Asparagus Stir-fry with Cheese Bread
- The Young Thief and his Mother
- Baby Shower Party Favors
- Baby Shower Party Theme
- Baby Shower Party Planning
- Valentine Week 2011
- The Life Cycle Of Mercedes Benz
- Room Decor Ideas
- Cinnamon Apple Pancakes,Sausages and savory Hashbrown
- Carib Cream
- Baby Shower Party Gifts
- Baby Shower Party Games
- FACTS OF LIFE...... Enjoy Reading..
- Japanese Eco-friendly Electronic Rickshaw
- Healthy Living Tips Without Medicine
- Most Gorgeous Skin Ever In Just 10 Minutes A Day!
- The Difference Between a Computer Virus & Worm
- Improving Your Sales Results - Successful in Makin...
- 2010 Was Not Good For Nokia...
- New Mercedes-Benz, Without Steering !!
- New Car From China - For $600
- The top most dangerous websites for your PC enlisted
- Oil Rig Hotel from Malaysia
- Facebook Tightens User Security
- Creative Food Art
- Banarasi Aloo
- HOW TO : Rename Internet Explorer To Your Name
- Organdi Flower Roses
- Gazpacho with Indian spices and ginger Sherbet!
- Flyaway Plant Pokes Craft
- Microfinance: What It Is And How To Get Involved
- Quotes on India
- Happy Republic Day
- HOW TO : Remove Gmail Web Clips
- 10 Amazing Dangerous Toothpaste Ingredients
- Latest Silk Sarees Designs For 2011
- Paper Cut Art
- World’s Most Expensive Mobile Number
- Latest Salwar Suits Designs For 2011
- Vitamin D Health Benefits
- Useful Tips For A Business Presentation
- Chocolate Exhibition - Hong Kong
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