Thursday, July 9, 2009
Mortgage Loan
A mortgage loan is a loan secured by real property through the use of a document which evidences the existence of the loan and the encumbrance of that realty through the granting of a mortgage which secures the loan. However, the word mortgage alone, in everyday usage, is most often used to mean mortgage loan.
A home buyer or builder can obtain financing (a loan) either to purchase or secure against the property from a financial institution, such as a bank, either directly or indirectly through intermediaries. Features of mortgage loans such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan, and other characteristics can vary considerably.
Other loan types:
Assumed mortgage
Balloon mortgage
Blanket loan
Bridge loan
Budget loan
Buydown mortgage
Commercial loan
Endowment mortgage
Equity loan
Flexible mortgage
Foreign National mortgage
Graduated payment mortgage loan
Hard money loan
Jumbo mortgages
Offset mortgage
Package loan
Participation mortgage
Reverse mortgage
Repayment mortgage
Seasoned mortgage
Term loan or Interest-only loan
Wraparound mortgage
Negative amortization loan
Non-conforming mortgage
from http://en.wikipedia.org/wiki/Mortgage_loan
A home buyer or builder can obtain financing (a loan) either to purchase or secure against the property from a financial institution, such as a bank, either directly or indirectly through intermediaries. Features of mortgage loans such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan, and other characteristics can vary considerably.
Other loan types:
Assumed mortgage
Balloon mortgage
Blanket loan
Bridge loan
Budget loan
Buydown mortgage
Commercial loan
Endowment mortgage
Equity loan
Flexible mortgage
Foreign National mortgage
Graduated payment mortgage loan
Hard money loan
Jumbo mortgages
Offset mortgage
Package loan
Participation mortgage
Reverse mortgage
Repayment mortgage
Seasoned mortgage
Term loan or Interest-only loan
Wraparound mortgage
Negative amortization loan
Non-conforming mortgage
from http://en.wikipedia.org/wiki/Mortgage_loan
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Wednesday, July 8, 2009
Bara: Kesempatan SBY Menang 1 Putaran Makin Besar
Jakarta - Keputusan Mahkamah Konstitusi (MK) soal penggunaan KTP dan paspor bagi warga yang tak terdaftar dalam DPT juga disambut baik oleh kubu SBY. Mereka bahkan yakin dengan keputusan kemungkinan SBY menang dalam 1 putaran semakin besar.
Hal tersebut diungkapkan Wakil Ketua Dewan Pakar Tim Sukses SBY, Bara Hasibuan, saat berbincang dengan detikcom melalui telepon, Senin (6/7/2009).
"Dengan adanya keputusan tersebut, kami semakin yakin SBY bakal memenangkan pilpres dalam 1 putaran," kata Bara.
Bara menjelaskan, keputusan MK tersebut merupakan terobosan penting. Sebab dengan cara itu, orang-orang yang tidak masuk DPT tetap bisa menggunakan hak suaranya di Pilpres 2009. Dan tidak sedikit dari orang-orang tersebut adalah pendukung SBY.
"Jadi tidak benar jika kami merasa senang atau diuntungkan dengan kekacauan DPT. Dengan adanya keputusan MK tersebut kami akan mendapatkan tambahan suara yang signifikan," tegas Bara.
( djo / mok )
http://pemilu.detiknews.com/read/2009/07/06/221959/1160160/700/bara-kesempatan-sby-menang-1-putaran-makin-besar
Hal tersebut diungkapkan Wakil Ketua Dewan Pakar Tim Sukses SBY, Bara Hasibuan, saat berbincang dengan detikcom melalui telepon, Senin (6/7/2009).
"Dengan adanya keputusan tersebut, kami semakin yakin SBY bakal memenangkan pilpres dalam 1 putaran," kata Bara.
Bara menjelaskan, keputusan MK tersebut merupakan terobosan penting. Sebab dengan cara itu, orang-orang yang tidak masuk DPT tetap bisa menggunakan hak suaranya di Pilpres 2009. Dan tidak sedikit dari orang-orang tersebut adalah pendukung SBY.
"Jadi tidak benar jika kami merasa senang atau diuntungkan dengan kekacauan DPT. Dengan adanya keputusan MK tersebut kami akan mendapatkan tambahan suara yang signifikan," tegas Bara.
( djo / mok )
http://pemilu.detiknews.com/read/2009/07/06/221959/1160160/700/bara-kesempatan-sby-menang-1-putaran-makin-besar
Monday, July 6, 2009
Michael Jackson Funeral Streaming
SAN FRANCISCO - Facebook and MySpace said Monday that members of the rival social-networking services will be able to get online video views of the memorial for Michael Jackson.
Facebook users will be able to watch streaming video of the Tuesday memorial courtesy of an alliance with CNN Live, and MySpace members will get a similar opportunity thanks to collaboration with entertainment titan AEG.
"The memorial will be streamed real time, free, and people will be able to comment or link over to Michael Jackson's profile," said Sarah Joyce of MySpace Music. "We are picking up the stream and showing our support."
MySpace Music also lets members of the News Corp-owned service listen to Jackson songs or view King of Pop music videos online free due to a partnership with Sony Music, according to Joyce.
A Michael Jackson page at Facebook has topped 6.5 million fans, making it the top "fan page" at the California-based social networking service.
Free virtual versions of Jackson's famous glove are the most popular gift at Facebook, with more than 800,000 having been sent to members.
The same technology used to stream CNN coverage of US President Barack Obama's inauguration -- Facebook Connect -- will be put to work letting people watch the Jackson memorial in CNN Live video players.
"Internet users across the globe can watch (the memorial) live while simultaneously updating their Facebook status and following their friends on Facebook -- and other Jackson fans around the world," Facebook said.
Singers Stevie Wonder and Mariah Carey are among a bevy of stars slated to appear at Jackson's memorial service in Los Angeles, organisers said.
Soul legend Wonder and pop diva Carey were included on a provisional list of participants at Tuesday's ceremony which will also include stars such as John Mayer, Lionel Richie, Smokey Robinson and Usher.
Organisers say Tuesday's 90-minute event will be a celebration of the life of Jackson, who died on June 25 at age 50 of an apparent cardiac arrest. - AFP/ar
http://www.channelnewsasia.com/stories/entertainment/view/440915/1/.html
Facebook users will be able to watch streaming video of the Tuesday memorial courtesy of an alliance with CNN Live, and MySpace members will get a similar opportunity thanks to collaboration with entertainment titan AEG.
"The memorial will be streamed real time, free, and people will be able to comment or link over to Michael Jackson's profile," said Sarah Joyce of MySpace Music. "We are picking up the stream and showing our support."
MySpace Music also lets members of the News Corp-owned service listen to Jackson songs or view King of Pop music videos online free due to a partnership with Sony Music, according to Joyce.
A Michael Jackson page at Facebook has topped 6.5 million fans, making it the top "fan page" at the California-based social networking service.
Free virtual versions of Jackson's famous glove are the most popular gift at Facebook, with more than 800,000 having been sent to members.
The same technology used to stream CNN coverage of US President Barack Obama's inauguration -- Facebook Connect -- will be put to work letting people watch the Jackson memorial in CNN Live video players.
"Internet users across the globe can watch (the memorial) live while simultaneously updating their Facebook status and following their friends on Facebook -- and other Jackson fans around the world," Facebook said.
Singers Stevie Wonder and Mariah Carey are among a bevy of stars slated to appear at Jackson's memorial service in Los Angeles, organisers said.
Soul legend Wonder and pop diva Carey were included on a provisional list of participants at Tuesday's ceremony which will also include stars such as John Mayer, Lionel Richie, Smokey Robinson and Usher.
Organisers say Tuesday's 90-minute event will be a celebration of the life of Jackson, who died on June 25 at age 50 of an apparent cardiac arrest. - AFP/ar
http://www.channelnewsasia.com/stories/entertainment/view/440915/1/.html
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Uncle Kracker - Smile
Uncle Kracker - Smile mp3 download here!
coming soon =)
listen the song here: http://music.myspace.com/index.cfm?fuseaction=music.singleplaylist&friendid=161528368
or here :
====
You're better then the best
I'm lucky just to linger in your light
Cooler then the flip side of my pillow, that's right
Completely unaware
Nothing can compare to where you send me,
Lets me know that it's ok, yeah it's ok
And the moments where my good times start to fade
You make me smile like the sun
Fall out of bed, sing like bird
Dizzy in my head, spin like a record
Crazy on a Sunday night
You make me dance like a fool
Forget how to breathe
Shine like gold, buzz like a bee
Just the thought of you can drive me wild
Ohh, you make me smile
Even when you're gone
Somehow you come along
Just like a flower poking the sidewalk crack and just like that
You steal away the rain and just like that
You make me smile like the sun
Fall out of bed, sing like bird
Dizzy in my head, spin like a record
Crazy on a Sunday night
You make me dance like a fool
Forget how to breathe
Shine like gold, buzz like a bee
Just the thought of you can drive me wild
Ohh, you make me smile
Don't know how I lived without you
Cuz everytime that I get around you
I see the best of me inside your eyes
You make me smile
You make me dance like a fool
Forget how to breathe
Shine like gold, buzz like a bee
Just the thought of you can drive me wild
You make me smile like the sun
Fall out of bed, sing like bird
Dizzy in my head, spin like a record
Crazy on a Sunday night
You make me dance like a fool
Forget how to breathe
Shine like gold, buzz like a bee
Just the thought of you can drive me wild
Ohh, you make me smile
coming soon =)
listen the song here: http://music.myspace.com/index.cfm?fuseaction=music.singleplaylist&friendid=161528368
or here :
====
You're better then the best
I'm lucky just to linger in your light
Cooler then the flip side of my pillow, that's right
Completely unaware
Nothing can compare to where you send me,
Lets me know that it's ok, yeah it's ok
And the moments where my good times start to fade
You make me smile like the sun
Fall out of bed, sing like bird
Dizzy in my head, spin like a record
Crazy on a Sunday night
You make me dance like a fool
Forget how to breathe
Shine like gold, buzz like a bee
Just the thought of you can drive me wild
Ohh, you make me smile
Even when you're gone
Somehow you come along
Just like a flower poking the sidewalk crack and just like that
You steal away the rain and just like that
You make me smile like the sun
Fall out of bed, sing like bird
Dizzy in my head, spin like a record
Crazy on a Sunday night
You make me dance like a fool
Forget how to breathe
Shine like gold, buzz like a bee
Just the thought of you can drive me wild
Ohh, you make me smile
Don't know how I lived without you
Cuz everytime that I get around you
I see the best of me inside your eyes
You make me smile
You make me dance like a fool
Forget how to breathe
Shine like gold, buzz like a bee
Just the thought of you can drive me wild
You make me smile like the sun
Fall out of bed, sing like bird
Dizzy in my head, spin like a record
Crazy on a Sunday night
You make me dance like a fool
Forget how to breathe
Shine like gold, buzz like a bee
Just the thought of you can drive me wild
Ohh, you make me smile
Saturday, July 4, 2009
Wimbledon Men's Final Result
Wimbledon 2009 Men's Final Result:
Andy Roddick - Roger Federer 7-5, 6-7, 5-7, 6-3, 14-16
Andy Roddick - Roger Federer 7-5, 6-7, 5-7, 6-3, 14-16
Wimbledon Women's Final Result
Wimbledon 2009 Ladies' Final Result:
Serena Williams (2) def Venus Williams (3) 7-6, 6-2
Serena Williams (2) def Venus Williams (3) 7-6, 6-2
Thursday, July 2, 2009
NKorea fires four short-range missiles in a day
SEOUL - North Korea on Thursday test-fired four short-range missiles, South Korean military officials said, further fuelling tension sparked by its nuclear standoff with the international community.
The missiles -- apparently surface-to-ship ones -- were fired into the East Sea (Sea of Japan) between 5:20 pm (0820 GMT) and 9:20 pm, defence ministry officials were quoted saying by Yonhap news agency.
All were fired from a base at Sinsang-ri, near the eastern coastal city of Wonsan, a spokesman was quoted as saying.
Other officials told the agency on condition of anonymity they landed about 100 kilometres off the coast, where the North has imposed a maritime ban until July 11 for what it calls a military drill.
Spokesmen from the defence ministry confirmed the first three firings to AFP but could not be reached for comment on the fourth.
It was the first military action which the hardline communist state had taken since the United Nations on June 12 imposed tougher sanctions for its May 25 nuclear test.
South Korea's JoongAng Ilbo newspaper, quoting an intelligence source, said the North in the coming days is likely to fire a series of short-range missiles.
Apart from ground-to-ship weapons, it said these would likely include Scud-B missiles with a range of 340 km.
The North may also fire Rodongs, whose 1,300-km range would likely be shortened to some 400 km for the current round of testing, the paper predicted.
In the days after its atomic test -- the second since 2006 -- Pyongyang had fired a total of six short-range missiles and renounced the truce in force on the Korean peninsula.
In response to the UN resolution tightening curbs on its missile and atomic activities, it vowed to build more nuclear bombs.
US and South Korean officials believe ailing leader Kim Jong-Il, 67, is staging a show of strength to bolster his authority as he tries to put in place a succession plan involving his youngest son.
Japan's Prime Minister Taro Aso condemned Thursday's launches, telling reporters: "We have repeatedly warned that such a provocative act is not beneficial for North Korea's national interest."
In Beijing, a US delegation Thursday met officials for talks on giving the UN sanctions more teeth.
The support of China, the North's sole major ally and largest trade partner, is seen as crucial in making the sanctions stick.
The delegation, led by Philip Goldberg -- the State Department's point man on coordinating implementation of the sanctions -- met officials from the foreign ministry.
His team includes members of the National Security Council and the departments of Treasury and Defence.
Goldberg declined comment on China's position.
"The US position is that we want all the various aspects of the resolutions to work," he told reporters. "It is our intention to fully implement the resolutions."
US warships have since mid-June been tracking a North Korean ship suspected of carrying weapons. The Kang Nam 1 was reportedly headed for Myanmar but US officials said Tuesday it has now turned back.
China said its top envoy on the North Korean nuclear issue, Wu Dawei, had begun a visit to Russia, the United States, Japan and South Korea.
They are members of a forum which has tried since 2003 to persuade the North to scrap its nuclear programmes in return for energy aid and diplomatic and security benefits.
The North announced it was quitting the talks after the UN censured its long-range rocket launch on April 5.
North and South Korea meanwhile held more talks about the fate of their last major joint business project, the Seoul-funded Kaesong industrial estate just north of the border.
But they failed to narrow differences or set the date for their next meeting, Seoul officials said.
The South rejects the North's demand for huge pay rises and rent increases at Kaesong, and demands freedom for a South Korean worker who has been held for more than 90 days.
The North alleges the man slandered its political system and tried to incite a local woman worker to defect. It refuses to grant access to him.
=====
Source: http://www.channelnewsasia.com/stories/afp_asiapacific/view/439961/1/.html
The missiles -- apparently surface-to-ship ones -- were fired into the East Sea (Sea of Japan) between 5:20 pm (0820 GMT) and 9:20 pm, defence ministry officials were quoted saying by Yonhap news agency.
All were fired from a base at Sinsang-ri, near the eastern coastal city of Wonsan, a spokesman was quoted as saying.
Other officials told the agency on condition of anonymity they landed about 100 kilometres off the coast, where the North has imposed a maritime ban until July 11 for what it calls a military drill.
Spokesmen from the defence ministry confirmed the first three firings to AFP but could not be reached for comment on the fourth.
It was the first military action which the hardline communist state had taken since the United Nations on June 12 imposed tougher sanctions for its May 25 nuclear test.
South Korea's JoongAng Ilbo newspaper, quoting an intelligence source, said the North in the coming days is likely to fire a series of short-range missiles.
Apart from ground-to-ship weapons, it said these would likely include Scud-B missiles with a range of 340 km.
The North may also fire Rodongs, whose 1,300-km range would likely be shortened to some 400 km for the current round of testing, the paper predicted.
In the days after its atomic test -- the second since 2006 -- Pyongyang had fired a total of six short-range missiles and renounced the truce in force on the Korean peninsula.
In response to the UN resolution tightening curbs on its missile and atomic activities, it vowed to build more nuclear bombs.
US and South Korean officials believe ailing leader Kim Jong-Il, 67, is staging a show of strength to bolster his authority as he tries to put in place a succession plan involving his youngest son.
Japan's Prime Minister Taro Aso condemned Thursday's launches, telling reporters: "We have repeatedly warned that such a provocative act is not beneficial for North Korea's national interest."
In Beijing, a US delegation Thursday met officials for talks on giving the UN sanctions more teeth.
The support of China, the North's sole major ally and largest trade partner, is seen as crucial in making the sanctions stick.
The delegation, led by Philip Goldberg -- the State Department's point man on coordinating implementation of the sanctions -- met officials from the foreign ministry.
His team includes members of the National Security Council and the departments of Treasury and Defence.
Goldberg declined comment on China's position.
"The US position is that we want all the various aspects of the resolutions to work," he told reporters. "It is our intention to fully implement the resolutions."
US warships have since mid-June been tracking a North Korean ship suspected of carrying weapons. The Kang Nam 1 was reportedly headed for Myanmar but US officials said Tuesday it has now turned back.
China said its top envoy on the North Korean nuclear issue, Wu Dawei, had begun a visit to Russia, the United States, Japan and South Korea.
They are members of a forum which has tried since 2003 to persuade the North to scrap its nuclear programmes in return for energy aid and diplomatic and security benefits.
The North announced it was quitting the talks after the UN censured its long-range rocket launch on April 5.
North and South Korea meanwhile held more talks about the fate of their last major joint business project, the Seoul-funded Kaesong industrial estate just north of the border.
But they failed to narrow differences or set the date for their next meeting, Seoul officials said.
The South rejects the North's demand for huge pay rises and rent increases at Kaesong, and demands freedom for a South Korean worker who has been held for more than 90 days.
The North alleges the man slandered its political system and tried to incite a local woman worker to defect. It refuses to grant access to him.
=====
Source: http://www.channelnewsasia.com/stories/afp_asiapacific/view/439961/1/.html
Windows 7 Free Download
Windows 7 is free to download and use!
Download the Windows 7 Release Candidate Here
http://www.microsoft.com/windows/windows-7/download.aspx
====
Quoted from Windows 7 website
Download the Windows 7 Release Candidate Here
http://www.microsoft.com/windows/windows-7/download.aspx
====
Here's what you need to know:
This is pre-release software, so please read the following to get an idea of the risks and key things you need to know before you try the RC.
You don't need to rush to get the RC. The RC will be available at least through July 2009 and we're not limiting the number of product keys, so you have plenty of time.
Watch the calendar. The RC will expire on June 1, 2010. Starting on March 1, 2010, your PC will begin shutting down every two hours. Windows will notify you two weeks before the bi-hourly shutdowns start. To avoid interruption, you'll need to install a non-expired version of Windows before March 1, 2010. You'll also need to install the programs and data that you want to use. (Learn more about installing Windows.)
Protect your PC and data. Be sure to back up your data and please don't test the RC on your primary home or business PC.
Tech details/updates: Before installing the RC, please read the Release Notes and Things to Know for important information about the release.
Keep up with the news. You can keep up with general technical information and news by following the team blog. And, you can get non-technical news, tips, and offers by subscribing to the monthly Exploring Windows newsletter.
Keep your PC updated: Be sure to turn on automatic updates in Windows Update in case we publish updates for the RC.
Installation: You can install the Windows 7 RC on a PC running Windows Vista without backing up the PC—but we encourage you to make a backup for safe keeping. If you're running Windows XP or the Windows 7 Beta, you'll need to backup your data, then do a clean installation of the RC, then reinstall your applications and restore your data. If you need to do a backup, please see How to back up your PC for more details and a suggestion for how to backup a PC running Windows 7 Beta or Windows Vista.
To install and use the RC, you'll need to know how to:
Troubleshoot problems. You're pretty much flying solo, so you'll need to handle your own tech support, and rely on other RC testers for their know-how
Burn an ISO file to make an installation DVD
Install Windows
Backup and restore your PC
Set up a network
Create and use a system recovery disk
Quoted from Windows 7 website
Firefox 3.5 Windows PC & Portable Download
Firefox 3.5 is available for download now!
http://www.mozilla.com/products/download.html?product=firefox-3.5&os=win&lang=en-US
Firefox 3.5 Portable is also available for download!
http://downloads.sourceforge.net/portableapps/FirefoxPortable_3.5_English.paf.exe
http://www.mozilla.com/products/download.html?product=firefox-3.5&os=win&lang=en-US
Firefox 3.5 Portable is also available for download!
http://downloads.sourceforge.net/portableapps/FirefoxPortable_3.5_English.paf.exe
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