Adsense Setup - Tips and Tricks for your Web Directory

Adsense Setup - Tips and Tricks for your Web Directory
If you have problem in showing adsense ads into your directory (that uses Smarty templates), you simply don’t manage to make your adsense ads to show up, you need to insert your adsense code between these tags: {literal} and {/literal}. In this way your adsense code will not be interpreted by the smarty engine, but it will be interpreted by the browser at loading time.
I have tried to setup an adsense add on my directory, in my categories pages, on
my submit page, but couldn’t manage to display it in either page.

So, in any of your templates, either main.tpl. header.tpl, footer.tpl. submit.tpl. etc, you need to insert those tags ({literal} and {/literal}) in order to properly setup adsense ads:
Example:

{literal}
Here you can place your adsense code. Copy and paste the code directly from your adsense account.
{/literal}
And this is all….
In conclusion, I have added my adsense code in my submit.tpl. and in my main.tpl, and now everything displays correctly.

If any questions you can access my blog at http://mydzo.blogspot.com/ I said, I have setuf an free web directory, where you can freely submit your website to http://www.e-maniacs.com/director, and you can see the living proof of my tips and tricks that I have presented here.

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Make Dollars Not Pennies

Think twice before you put Google Ads or Yahoo Ads on your blog.

Why? Because Google does not want to promote blogs which offer Yahoo Ads and Yahoo doesn't either. So their algorithms are set to give a lower rating if you have one or the other on your blog.

Plus why only get pennies for your advertising space when you could get dollars?

Neither search Engine will penalize your blog if you use advertising from sites like Amazon or similar sites as an affiliate.

Also if your blog ends up really popular -- you could sell your blog advertising space for even more money than what Amazon offers. There are plenty of corporations who will do this if you have a content rich blog where their product is a natural spin-off to what you've written about.

For instance:

Say you have a cruise travel blog which covers what to take, where you went, why you enjoyed it, etc. Don't you think a cruise ship company would be more than willing to pay you to advertise their cruises?

Or how about travel agents? They could also be a possible source of income if you have a small graphic linking to their site. Even a text link would work.

Companies are looking for bloggers who have a niche audience for placing their ads. It means the person clicking over is already targeted to buy what they have to sell. So figure out which companies are relevant to your blog and contact them. You could be pleasantly surprised at the dollars not pennies you receive.

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Google Chrome

Google Chrome is a browser that combines a minimal design with sophisticated technology to make the web faster, safer, and easier.




The story behind Google Chrome













Watch a video from the development team on the thinking and features behind Google Chrome.
Watch the video









Read about the technology









Look under the hood of Google Chrome in this comics interpretation of key engineering decisions, by Scott McCloud.
Read the book







Google Chrome is a free web browser developed by Google. The name is derived from the graphical user interface frame, or "chrome", of web browsers. Chromium is the name of the open source project behind Google Chrome, released under the BSD license. It is feature-complete compared to Chrome, but the user interface is less polished.
A beta version for Microsoft Windows was released on 2 September 2008 in 43 languages.

Announcement
The release announcement was originally scheduled for 3 September 2008, and a comic by Scott McCloud was to be sent to journalists and bloggers explaining the features of and motivations for the new browser. Copies intended for Europe were shipped early and German blogger Philipp Lenssen of Google Blogoscoped made a scanned copy of the 38-page comic available on his website after receiving it on 1 September 2008. Google subsequently made the comic available on Google Books and their site and mentioned it on its official blog along with an explanation for the early release.

Beta release
A beta version for Microsoft Windows (XP and later only) was released on 2 September 2008 in 43 languages. Mac OS X and Linux versions are under development.
On 2 September, a CNET news item drew attention to a passage in the terms of service for the initial beta release, which seemed to grant to Google a license to all content transferred via the Chrome browser.The passage in question was inherited from the general Google terms of service.The Register summarized the passage as "Your copyright goes up in smoke." On the same day, Google responded to this criticism by stating that the language used was borrowed from other products, and removed the passage in question from the Terms of Service.[17] Google noted that this change would "apply retroactively to all users who have downloaded Google Chrome." There were subsequent concerns about the browser's use of an unusual tracking feature that sends information about visited websites back to Google. The company stated that this is only enabled when users opt in by checking the option "help make Google Chrome better by automatically sending usage statistics and crash reports to Google" when installing the browser.
The first release of Google Chrome passed the Acid1 and Acid2 tests. While it has not yet passed the Acid3 test, Google Chrome scored 78/100—higher than both Internet Explorer 7 (14/100) and Firefox 3 (71/100), but lower than Opera's 84/100. When compared to equivalent "preview" or beta builds, Chrome scored lower than Firefox (85/100), Opera (91/100), and Safari (100/100), but still higher than Internet Explorer (21/100).

Chromium releases
On 15 September 2008, CodeWeavers released an unofficial bundle of a WINE derivative and Chromium Developer Build 21 for Linux and Mac OS X, which they dubbed "CrossOver Chromium". An unofficial workaround for use with Windows 2000 is also available.

Legal systems of the world

The three major legal systems of the world today consist of civil law, common
law and religious law. However, each country State (law)) often develops
variations on each system or incorporates many other features into the system.

Civil law

Civil law is the most widespread system of law in the world. It is also known
as European Continental law. The central source of law that is recognised as
authoritative are codifications in a constitution or statute passed by
legislature, to amend a code. Civil law systems mainly derive from the Roman
Empire, and more particularly, the Corpus Juris Civilis issued by the Emperor
Justinian ca. 529AD. This was an extensive reform of the law in the Eastern
Empire, bringing it together into codified documents. Civil law today, in
theory, is interpreted rather than developed or made by judges. Only legislative
enactments (rather than judicial precedents) are considered legally binding.
However, in reality courts do pay attention to previous decisions, especially
from higher courts.



Scholars of comparative law and economists promoting the legal origins theory
usually subdivide civil law into three distinct groups:



French civil law: in France, the Benelux countries, Italy, Spain and former
colonies of those countries;

German civil law: in Germany, Austria, Croatia, Switzerland, Greece, Portugal,
Turkey, Japan, South Korea and the Republic of China;

Scandinavian civil law: in Denmark, Norway and Sweden. Finland and Iceland
inherited the system from their neighbors.

Common law

Common law and equity are systems of law whose
sources are the decisions in cases by judges. Alongside, every system will have
a legislature that passes new laws and statutes, however these do not amend a
collected and codified body of law. Common law comes from England and was
inherited by Commonwealth of Nations countries, and almost every former colony
of the British Empire (Malta and Scotland being exceptions). The doctrine of
stare decisis or precedent by courts is the major innovation and difference to
codified civil law systems.



Common law is currently in practice in Ireland, United Kingdom (excluding
Scotland), Australia, India, South Africa, Canada (excluding Quebec), Hong Kong
and the United States (excluding Louisiana) and many more places. In addition to
these countries, several others have adapted the common law system into a mixed
system. For example, Pakistan, India and Nigeria operate largely on a common law
system, but incorporate religious law.



In the European Union the Court of Justice takes an approach mixing civil law
(based on the treaties) with an attachment to the importance of case law. One of
the most fundamental documents to shape common law is the Magna Carta[2] which
placed limits on the power of the English Kings. It served as a kind of medieval
bill of rights for the aristocracy and the judiciary who developed the law.

Religious law

Religious law refers to the notion of a religious
system or document being used as a legal source. The use of religion for public
law has a static and unalterable quality, precluding amendment through
legislative acts of government or development through judicial precedent.



The main kinds of religious law are Halakha in Judaism, Sharia in Islam, and
Canon law in some Christian groups. In some cases these are intended purely as
individual moral guidance, whereas in other cases they are intended and may be
used as the basis for a country's legal system.



The Halakha is followed by orthodox and conservative Jews in both ecclesiastical
and civil relations. No country is fully governed by Halakha, but two Jewish
people may decide, because of personal belief, to have a dispute heard by a
Jewish court, and be bound by its rulings. Sharia Law governs a number of
Islamic countries, including Saudi Arabia and Iran, though most countries use
Sharia Law only as a supplement to national law. It can relate to all aspects of
civil law, including property rights, contracts or public law.



Canon law is not religious law, properly speaking, because it is not found in
revelation. Instead, it is seen as human law inspired by the word of God and
applying the demands of that revelation to the actual sitation of the church.
Canon law regulates the internal ordering of the Roman Catholic Church, the
Eastern Orthodox Church and the Anglican Communion. Canon law is amended and
adapted by the legislative authority of the church, such as councils of bishops,
single bishops for their respective sees, the Pope for the entire Catholic
Church, and the British Parliament for the Church of England.

Law of Asia

The Law of Asia is undergoing rapid change and
modernisation, especially given the economic growth in China and India. Asian
countries share a substantial heritage with European law, whilst keeping their
own distinct identity.

Indian law refers to the system of law which
operates in India. It is largely based on English common law because of the long
period of British colonial influence during the British Raj period. Much of
contemporary Indian law shows substantial European and American influence.
Various acts and ordinances first introduced by the British are still in effect
in modified form today. During the drafting of the Indian Constitution, laws
from Ireland, the United States, Britain, and France were all synthesised to get
a refined set of Indian laws as it currently stands. Indian laws also adhere to
the United Nations guidelines on human rights law and environmental law. Certain
international trade laws, such as those on intellectual property, are also
enforced in India.



Indian civil law is complex, with each religion having its own specific laws
which they adhere to. In most states, registering of marriages and divorces is
not compulsory. There are separate laws governing Hindus, Muslims, Christians,
Sikhs and followers of other religions. The exception to this rule is in the
state of Goa, where a Portuguese uniform civil code is in place, in which all
religions have a common law regarding marriages, divorces and adoption.

United States



The United States of America is a federal constitutional republic comprising
fifty states, one federal district, and fourteen territories. The country is
situated almost entirely in the western hemisphere: its forty-eight contiguous
states and Washington, D.C., the capital district, lie in central North America
between the Pacific and Atlantic Oceans, bordered by Canada to the north and
Mexico to the south; the state of Alaska is in the northwest of the continent
with Canada to its east, and the state of Hawaii is in the mid-Pacific. U.S.
territories, or insular areas, are scattered around the Caribbean and Pacific.



At 3.7 million square miles (9.6 million km²) and with over 300 million people,
the United States is the third or fourth largest country by total area, and
third largest by land area and population. The United States is one of the
world's most ethnically diverse nations, the product of large-scale immigration
from many countries. Its national economy is the largest in the world, with a
nominal 2006 gross domestic product (GDP) of more than US$13 trillion.



The nation was founded by thirteen colonies of Great Britain located along the
Atlantic seaboard. Proclaiming themselves "states," they issued the Declaration
of Independence on July 4, 1776. The rebellious states defeated Britain in the
American Revolutionary War, the first successful colonial war of independence. A
federal convention adopted the current United States Constitution on September
17, 1787; its ratification the following year made the states part of a single
republic. The Bill of Rights, comprising ten constitutional amendments, was
ratified in 1791. In the nineteenth century, the United States acquired land
from France, Spain, Mexico, and Russia, and annexed the Republic of Texas and
the Republic of Hawaii. The American Civil War ended slavery in the United
States and prevented a permanent split of the country. The Spanish-American War
and World War I confirmed its status as a military power. In 1945, the United
States emerged from World War II as the first country with nuclear weapons and a
permanent member of the United Nations Security Council. The sole remaining
superpower in the post–Cold War era, the United States is perceived by many as
the dominant economic, political, cultural, and military force in the world.

10 steps to new blogs sucess
University around the World

10 steps to new blog success

So, you have started out a new blog, or you are planning to make a blog. Then here are a few tips for you that will help you to get a nice start.

1) Start a blog on your favorite topic, else you will always run out of content.

2) First write down 10 blog posts offline and see how you are doing. If you find difficulty to write enough content on that topic, then try to write on some other topic. The best think to do is, first read some blogs on that particular topic. Do some research, search for blogs on that topic and see what others are doing. Then don’t just copy other blogs, but understand that topic properly. After that you will find it easy to write more on that particular topic.

3) Choose a blogging platform. For blogs I always prefer wordpress, a self-hosted wordpress is the best option for blogging. This is a blog running on wordpress.

4) Don’t start a blog with one or two entries. At-least make 10 posts on the blog’s launch day. A blog with some decent content always makes a good impression. If you do this, then you will have nice readers from the first day of the launch.

5) Content is king, so make nice content. Check for grammatical and spellings errors off line, before publishing the blog. Good content brings natural links, so it is always advised to write properly. If you are not good at writing, then hire a writer. Pay someone who writes well.

6) The next step is to add the feeds. Check out feed burner and get your feeds running. You can see on the left sidebars, I have the feed subscription buttons placed there.

7) Try the blog top sites. This is a good way to show the world how popular your blog is. This also brings some traffic. Check out my blogs ranks on the top sites, the ranks are visible on the sidebar.

8) Promote your blog with the power of social bookmarking. To start with, join technorati, it’s a blog search engine, and it is huge. Then try del.icio.us it is another social bookmarking website which gives a lot of traffic. There are a few more like this, digg, stumbleupon, reddit etc, I will make another post for this topic, let’s not get too deep into this here.

9) Frequently visit blogs of your niche, even subscribe to it. When ever you see a new post, read it properly and give a good comment on it. Don’t post spam comments; make a nice comment that gets accepted. Some blogs are no-follow and some are not. But remember the no-follow is only for google and there is msn and yahoo also for the search. This step can help you get a lot of targeted readers apart from the link popularity. You can even give blogroll links to a few of the good blogs that you regularly visit.

10) Try to post regularly, if you don’t post for sometime long, then you will lose a lot of subscription and regular readers. Blogging is a passion, don’t just blog for the shake of it.
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UNIVERSITY AROUND THE WORLD

UNIVERSITY

A university is an institution of higher
education and research, which grants academic degrees at all levels (bachelor,
master, and doctorate) in a variety of subjects. A university provides both
tertiary and quaternary education. The word university is derived from the Latin
universitas magistrorum et scholarium, roughly meaning "community of teachers
and scholars".

The first universities




The tower of the University of Coimbra, the oldest Portuguese university.

Degree ceremony at the University of Oxford. The Pro-Vice-Chancellor in MA gown
and hood, Proctor in official dress and new Doctors of Philosophy in scarlet
full dress. Behind them, a bedel, another Doctor and Bachelors of Arts and
Medicine.Relative to the above definition, there is controversy as to which
university is the world's oldest. The original Latin word "universitas", first
used in time of renewed interest in Classical Greek and Roman tradition, tried
to reflect this feature of the Academy of Plato. The earliest recorded
institution of higher learnings was Shang Hsiang, and later Taixue and Guozijian
serve as the highest level of educational establishment while academies became
very popular as non-governmental establishments teaching Confucianism and
Chinese literature among other things. The choice for the oldest university is
usually among Nalanda, Constantinople, Al Karaouine or Al-Azhar universities.
Nalanda University, founded in Bihar, India around the 5th century BC conferred
academic degree titles to its graduates, while also offering post-graduate
courses. Another Indian university whose ruins were only recently excavated was
Ratnagiri University in Orissa. Al-Azhar University, founded in Cairo, Egypt in
the 10th century, offered a variety of post-graduate degrees, and is often
regarded as the first full-fledged university. The University of Constantinople,
founded in 849, by the regent Bardas of emperor Michail III, is generally
considered the first institution of higher learning with the characteristics we
associate today with a university (research and teaching, auto-administration,
academic independence, et cetera). The Guinness Book of World Records recognizes
the University of Al Karaouine in Fez, Morocco as the oldest university in the
world with its founding in 859. For more on early universities see List of
oldest universities in continuous operation.






Medieval European universities

Main article: Medieval university

The first European medieval university was the University of Magnaura in
Constantinople in Byzantium, now Istanbul in Turkey, founded in 849 by the
regent Bardas of emperor Michael III, followed by the University of Preslav and
University of Ohrid (9th century) in the Bulgarian Empire, founded by Tsar
Simeon I of Bulgaria, University of Bologna (1088) in Bologna, Italy, the
University of Paris (c. 1100) in Paris, France, later associated with the
Sorbonne, and the University of Oxford (11th century) in England. Many of the
medieval universities in Western Europe were born under the aegis of the Roman
Catholic Church, usually as cathedral schools or by papal bull as Studia
Generali (NB: The development of cathedral schools into Universities actually
appears to be quite rare, with the University of Paris being an exception - see
Leff, Paris and Oxford Universities). In the early medieval period, most new
universities were founded from pre-existing schools, usually when these schools
were deemed to have become primarily sites of higher education. Many historians
state that universities and cathedral schools were a continuation of the
interest in learning promoted by monasteries.



In Europe, young men proceeded to university when they had completed their study
of the trivium–the preparatory arts of grammar, rhetoric, and dialectic or
logic–and the quadrivium: arithmetic, geometry, music, and astronomy. (See
Degrees of the University of Oxford for the history of how the trivium and
quadrivium developed in relation to degrees, especially in anglophone
universities).



Outside of Europe, there were many notable institutions of learning throughout
history. In China, there was the famous Hanlin Academy, established during the
Tang Dynasty (618-907 AD), and was once headed by the Chancellor Shen Kuo
(1031-1095), a famous Chinese scientist, inventor, mathematician, and statesman.

Emergence of modern universities

Main article: History of European research universities

The end of the medieval period marked the beginning of the transformation of
universities that would eventually result in the modern research university.
Many external influences, such as eras of humanism, Enlightenment, Reformation,
and revolution, shaped research universities during their development, and the
discovery of the New World in 1492 added human rights and international law to
the university curriculum.



By the 18th century, universities published their own research journals, and by
the 19th century, the German and the French university models had arisen. The
German, or Humboldtian model, was conceived by Wilhelm von Humboldt and based on
Friedrich Schleiermacher’s liberal ideas pertaining to the importance of
freedom, seminars, and laboratories in universities. The French university model
involved strict discipline and control over every aspect of the university.



Universities concentrated on science in the 19th and 20th centuries, and they
started to become accessible to the masses after 1914. Until the 19th century,
religion played a significant role in university curriculum; however, the role
of religion in research universities decreased in the 19th century, and by the
end of the 19th century, the German university model had spread around the
world. The British also established universities worldwide, and higher education
became available to the masses not only in Europe. In a general sense, the basic
structure and aims of universities have remained constant over the years.

Universities around the world






The University of Sydney is Australia's oldest university.The funding and
organization of universities is very different in different countries around the
world. In some countries universities are predominantly funded by the state,
while in others funding may come from donors or from fees which students
attending the university must pay. In some countries the vast majority of
students attend university in their local town, while in other countries
universities attract students from all over the world, and may provide
university accommodation for their students.





Classification in the United States




Front entrance to Texas Tech University in Lubbock, Texas.In the United States,
there is no legal definition of the term "university." The usual practice in the
United States today is to call an institution made up of undergraduate students
a "college." This can be a two-year community college, which grants an AA or a
four-year college, such as a liberal arts college, which grants a B.A. or B.S.
An institution comprising both undergraduate and graduate students (and often
several schools) is called a university. Some schools such as Boston College,
Dartmouth College, and College of William and Mary, which offer a number of
graduate programs, have retained the term "college" in their names for
historical reasons. Similarly, some institutions granting few if any graduate
degrees, such as Wesleyan University, may be called universities for historical
reasons. Another criterion used to distinguish between a college and a
university in the United States is the balance of teaching and research that
occurs in the institution. Colleges have historically focused on teaching and
universities on scholarship and research.





Sherman Hall at Western Illinois University in Macomb, Illinois.The Carnegie
Basic Classification system distinguishes among institutions on the basis of the
prevalence of degrees they grant. As the names of their categories indicate
names indicate, the Carnegie Foundation considers the granting of master's
degrees necessary, though not sufficient, for an institution to be classified as
a university.[1]





University rankings

Main article: College and university rankings

University rankings throughout the world attempt to give an indication of the
quality of institutions. Each has its own criteria for ranking and its own
unique methodology. Two of the most internationally recognized are the THES - QS
World University Rankings[2] and the Academic Ranking of World Universities.





Admissions

Admission systems and university structures vary widely around the world (see
college admissions). Differences are marked in countries where universities
fulfill the role of community colleges in the United States and Europe.





Colloquial usage

Colloquially, the term university may be used to describe a phase in one's life:
"when I was at university…" (in the United States and the Republic of Ireland,
college is used instead: "when I was in college..."). See the college article
for further discussion. In Australia, New Zealand, the United Kingdom and the
German speaking countries "university" is often contracted to "uni". In New
Zealand and in South Africa it is sometimes called "varsity", which was also
common usage in the UK in the 19th century.





Moscow State University at Sparrow Hills is the largest educational building in
the world.

[edit] Criticism

In his study of the American university since World War II, The Knowledge
Factory, Stanley Aronowitz argues that the American university has been besieged
by growing unemployment issues, the pressures of big business on the land grant
university, as well as the political passivity and ivory tower naivete of
American academics.



In a somewhat more theoretical vein, the late Bill Readings contends in his 1995
study The University in Ruins that the university around the world has been
hopelessly commodified by globalization and the bureaucratic non-value of
"excellence." His view is that the university will continue to linger on as an
increasingly consumerist, ruined institution until or unless we are able to
conceive of advanced education in transnational ways that can move beyond both
the national subject and the corporate enterprise.

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STUDENT LOAN

STUDENT LOAN



A loan is a type of debt. All material things can be lent but this article
focuses exclusively on monetary loans. Like all debt instruments, a loan entails
the redistribution of financial assets over time, between the lender and the
borrower.



The borrower initially receives an amount of money from the lender, which they
pay back, usually but not always in regular installments, to the lender. This
service is generally provided at a cost, referred to as interest on the debt. A
borrower may be subject to certain restrictions known as loan covenants under
the terms of the loan.



Acting as a provider of loans is one of the principal tasks for financial
institutions. For other institutions, issuing of debt contracts such as bonds is
a typical source of funding. Bank loans and credit are one way to increase the
money supply.



Legally, a loan is a contractual promise of a debtor to repay a sum of money in
exchange for the promise of a creditor to give another sum of money.

Student loans are loans offered to
students to assist in payment of the costs of professional education. These
loans usually carry a lower interest rate than other loans and are usually
issued by the government. Often they are supplemented by student grants which do
not have to be repaid.

Student loans in the United States

While included in the term "financial aid" higher education loans differ from
scholarships and grants in that they must be paid back. They come in several
varieties in the United States:



Federal student loans made to students directly: No payments while enrolled in
at least half time status. If a student drops below half time status, the
account will go into its 6 month grace period. If the student re-enrolls in at
least half time status, the loans will be deferred, but when they drop below
half time again they will no longer have their grace period. Amounts are quite
limited as well.

Federal student loans made to parents: Much higher limit, but payments start
immediately

Private student loans made to students or parents: Higher limits and no payments
until after graduation, although interest will start to accrue immediately.
Private loans may be used for any education related expenses such as tuition,
room and board, books, computers, and past due balances. Private loans can also
be used to supplement federal student loans, when federal loans, grants and
other forms of financial aid are not sufficient to cover the full cost of higher
education

Student loans in the U.S.
Regulatory framework
Higher Education Act of 1965 US Dept of Education FAFSA Cost of attendance
Distribution channels
Federal Direct Student Loan Program FFELP
Loan products
Perkins · Stafford PLUS · Consolidation Loans Private student loan

Federal loans to students

See

Federal Perkins Loan,

Stafford loan,

Federal Family Education Loans,

Ford Direct Student Loans, and

Federal student loan consolidation

Federal student loans in the United States are authorized under Title IV of
the Higher Education Act as amended.

The first type are loans made directly to the student. These loans are
available to college and university students and are used to supplement personal
and family resources, scholarships, grants, and work-study. They may be
subsidized by the

U.S. Government or may be unsubsidized depending on the student's financial
need.

Both subsidized and unsubsidized loans are guaranteed by the

U.S. Department of Education either directly or through guarantee agencies.
Nearly all students are eligible to receive them (regardless of credit score or
other financial issues). Both types offer a
grace
period of six months, which means that no payments are due until six months
after graduation or after the borrower becomes a less-than-half-time student
without graduating. Both types have a fairly modest annual limit. The limit
effective for loans disbursed on or after July 1, 2007 is as follows: is $3,500
per year for freshman undergraduate students, $4,500 for sophomore
undergraduates, and $5,500 per year for junior and senior undergraduate
students, as well as students enrolled in teacher certification or preparatory
coursework for graduate programs. Subsidized federal student loans are offered
to students with a demonstrated financial need. Financial need may vary from
school to school. For these loans, the federal government makes interest
payments while the student is in college. For example, those who borrow $10,000
during college will owe $10,000 upon graduation.

Unsubsidized federal student loans are also guaranteed by the

U.S. Government, but the government does not pay interest for the student,
rather the interest accrues during college. Those who borrow $10,000 during
college will owe $10,000 plus interest upon graduation. For example, those who
have borrowed $10,000 and had $2,000 accrue in interest will owe $12,000.
Interest will begin accruing on the $12,000. The accrued interest will be
"capitalized" into the loan amount, and the borrower will begin making payments
on the accumulated total. Students can choose to pay the interest while still in
college; however, few students choose to exercise this option.

Federal student loans for graduate students have higher limits: $8,500 for
subsidized Stafford and $12,500 (limits may differ for certain courses of study)
for unsubsidized Stafford. Many students also take advantage of the Federal
Perkins Loan. For graduate students the limit for Perkins is $6,000 per year.

Private student loan rates and interest

Private student loan rates are lower than non-specialized private loans
(e.g., "signature" loans) but slightly higher than government loan rates. That
may be changing, as pending legislation would raise government student loan
rates to similar rates as private student loans. Consumers should be aware that
some private loans require substantial up-front origination fees. These fees
raise the real cost to the borrower and reduce the amount of money available for
educational purposes.

Most private loan programs are tied to one or more financial indexes, such as
the

Wall Street Journal
Prime rate
or the

BBA LIBOR
rate, plus an overhead charge. Because private loans are based on the credit
history of the applicant, the overhead charge will vary. Students and families
with excellent credit will generally receive lower rates and smaller loan
origination fees than those with less than perfect credit. Money paid toward
interest is now tax deductible.

Private student loan fees

Private loans often carry an

origination fee. Origination fees are a one-time charge based on the amount
of the loan. They can be taken out of the total loan amount or added on top of
the total loan amount, often at the borrower's preference. Some lenders offer
low-interest, 0-fee loans, but these are usually available only to those with
high credit scores (800 or more). Each percentage point on the front-end fee
gets paid once, while each percentage point on the interest rate is calculated
and paid throughout the life of the loan. Some have suggested that this makes
the interest rate more critical than the origination fee.

In fact, there is any easy solution to the fee-vs.-rate question: All lenders
are legally required to provide you a statement of the "APR (Annual Percentage
Rate)" for the loan before you sign a promissory note and commit to it. Unlike
the "base" rate, this rate includes any fees charged and can be thought of as
the "effective" interest rate including actual interest, fees, etc. When
comparing loans, it may be easier to compare APR rather than "rate" to ensure an
apples-to-apples comparison. APR is the best yardstick to compare loans that
have the same repayment term; however, if the repayment terms are different, APR
becomes a less-perfect comparison tool. With different term loans, consumers
often look to 'total financing costs' to understand their financing options.

Eligible loan programs generally issue loans based on the credit history of
the applicant and any applicable cosigner/co-endorser/coborrower. This is in
contrast to federal loan programs that deal primarily with need-based criteria,
as defined by the EFC and the
FAFSA. For many
students, this is a great advantage to private loan programs, as their families
may have too much income or too many assets to qualify for federal aid but
insufficient assets and income to pay for school without assistance.

Additionally, many international students in the United States can obtain
private loans (they are ineligible for federal loans in many cases) with a
cosigner who is a United States citizen or permanent resident.

The terms for alternative loans vary from lender to lender. A common
suggestion is to shop around on ALL terms, not just respond to "rates as low
as..." tactics that are sometimes little more than bait-and-switch. Examples of
other borrower terms and benefits that vary by lender are deferments (amount of
time after leaving school before payments start) and forebearences (a period
when payments are temporarily stopped due to financial or other hardship). These
policies are solely based on the contract between lender and borrower and not
set by Department of Education policies.

Federally subsidized consolidations are not available for alternative student
loans, though several lenders offer private consolidation programs. Borrowers of
privately subsidized student loans may face the same restrictions to bankruptcy
discharge as for government based loans: New legislation makes clear that these
loans are, like federal student loans, not dischargeable under bankruptcy. Even
before the legislation was passed, however, private student loans that were
guaranteed 'in whole or in part' by a nonprofit entity are non-dischargeable in
bankruptcy (and most private loans, regardless of the lender, were indeed
guaranteed by a nonprofit).

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LEGAL SYSTEMS

LEGAL SYSTEMS

LEGAL SYSTEMS LEGAL SYSTEMS LEGAL SYSTEMS LEGAL SYSTEMS

Lawis a system of rules usually enforced through a set of institutions.[2]
Law affects everyday life and society in a variety of ways. Contract law
regulates everything from buying a bus ticket to trading swaptions on a
derivatives market. Property law defines rights and obligations related to
buying, selling, or renting real property such as homes and buildings. Trust law
applies to assets held for investment, such as pension funds. Tort law allows
claims for compensation when someone or their property is harmed. If the harm is
criminalised in a penal code, criminal law offers means by which the state
prosecutes and punishes the perpetrator. Constitutional law provides a framework
for creating laws, protecting people's human rights, and electing political
representatives, while administrative law allows ordinary citizens to challenge
the way governments exercise power. International law regulates affairs between
sovereign nation-states in everything from trade to the environment to military
action. "The rule of law", wrote the ancient Greek philosopher Aristotle in 350
BCE, "is better than the rule of any individual."[3]



Legal systems around the world elaborate legal rights and responsibilities in
different ways. Laws and legal systems reflect the society and culture out of
which they arise. A basic distinction is made between civil law jurisdictions
and systems using common law. Some countries base their law on religious texts,
while in others traditional customary law or Socialist legal theory are strong
influences. Scholars investigate the nature of law through many perspectives,
including legal history and philosophy, or social sciences such as economics and
sociology. The study of law raises important questions about equality, fairness
and justice, which are not always simple. "In its majestic equality", said the
author Anatole France in 1894, "the law forbids rich and poor alike to sleep
under bridges, beg in the streets and steal loaves of bread."[4] The most
important institutions for law are the judiciary, the legislature, the
executive, its bureaucracy, the military and police, the legal profession and
civil society.

Legal subjects

Though all legal systems deal usually with the same or similar issues, different
countries often categorise and name legal subjects in different ways. Quite
common is the distinction between "public law" subjects, which relate closely to
the state (including constitutional, administrative and criminal law), and
"private law" subjects (including contract, tort, property).In civil law
systems, contract and tort fall under a general law of obligations and trusts
law is dealt with under statutory regimes or international conventions.
International, constitutional and administrative law, criminal law, contract,
tort, property law and trusts are regarded as the "traditional core subjects",
although there are many further disciplines which might be of greater practical
importance.




International law

Main articles: Public international law, Conflict of laws, and European Union
law



Providing a constitution for public international law, the United Nations was
conceived during World War II.In a global economy, law is globalising too.
International law can refer to three things: public international law, private
international law or conflict of laws and the law of supranational organisations.



Public international law concerns relationships between sovereign nations. It
has a special status as law because there is no international police force, and
courts lack the capacity to penalise disobedience. The sources for public
international law to develop are custom, practice and treaties between sovereign
nations. The United Nations, founded under the UN Charter, is the most important
international organisation, established after the Treaty of Versailles's failure
and World War II. Other international agreements, like the Geneva Conventions on
the conduct of war, and international bodies such as the International Court of
Justice, International Labour Organisation, the World Trade Organisation, or the
International Monetary Fund, also form a growing part of public international
law.

Conflict of laws (or "private international law" in civil law countries)
concerns which jurisdiction a legal dispute between private parties should be
heard in and which jurisdiction's law should be applied. Today, businesses are
increasingly capable of shifting capital and labour supply chains across
borders, as well as trading with overseas businesses. This increases the number
of disputes outside a unified legal framework and the enforceability of standard
practices. Increasing numbers of businesses opt for commercial arbitration under
the New York Convention 1958.

European Union law is the first and only example of a supranational legal
framework. However, given increasing global economic integration, many regional
agreements—especially the Union of South American Nations—are on track to follow
the same model. In the EU, sovereign nations have pooled their authority through
a system of courts and political institutions. They have the ability to enforce
legal norms against and for member states and citizens, in a way that public
international law does not. As the European Court of Justice said in 1962,
European Union law constitutes "a new legal order of international law" for the
mutual social and economic benefit of the member states.



Constitutional and administrative law

Main articles: Constitutional law and Administrative law




The French Declaration of the Rights of Man and of the Citizen, whose principles
still have constitutional valueConstitutional and administrative law govern the
affairs of the state. Constitutional law concerns both the relationships between
the executive, legislature and judiciary and the human rights or civil liberties
of individuals against the state. Most jurisdictions, like the United States and
France, have a single codified constitution, with a Bill of Rights. A few, like
the United Kingdom, have no such document; in those jurisdictions the
constitution is composed of statute, case law and convention. A case named
Entick v. Carringtonllustrates a constitutional principle deriving from the
common law. Mr Entick's house was searched and ransacked by Sheriff Carrington.
When Mr Entick complained in court, Sheriff Carrington argued that a warrant
from a Government minister, the Earl of Halifax, was valid authority. However,
there was no written statutory provision or court authority. The leading judge,
Lord Camden, stated that,



"The great end, for which men entered into society, was to secure their
property. That right is preserved sacred and incommunicable in all instances,
where it has not been taken away or abridged by some public law for the good of
the whole… If no excuse can be found or produced, the silence of the books is an
authority against the defendant, and the plaintiff must have judgment."



The fundamental constitutional principle, inspired by John Locke,[11] is that
the individual can do anything but that which is forbidden by law, and the state
may do nothing but that which is authorised by law. Administrative law is the
chief method for people to hold state bodies to account. People can apply for
judicial review of actions or decisions by local councils, public services or
government ministries, to ensure that they comply with the law. The first
specialist administrative court was the Conseil d'État set up in 1799, as
Napoleon assumed power in France.





Criminal law

Main article: Criminal law




A depiction of a 1600s criminal trial, for witchcraft in SalemCriminal law is
the body of law that defines criminal offences and the penalties for convicted
offenders.Apprehending, charging, and trying suspected offenders is regulated by
the law of criminal procedure.In every jurisdiction, a crime is committed where
three elements are fulfilled. First, the accused must commit the criminal act,
or actus reus (guilty act). Second, there must exist a victim, who suffered a
legally recongnised harm. In the case of victimless crimes, the legal system
regards the accused, or society at large, as the victim of the criminal act.
Third, there must exist causation, which is a logical connection, supported by
evidence, that establishes the link between the criminal act and the harm
suffered. If it cannot be proven that the act caused the harm, a conviction
cannot be sustained. For most, but not all crimes, the criminal must also have
the requisite malicious intent to do a criminal act, or mens rea (guilty mind).
A mens rea, however, is not a required element for strict liability crimes,such
as statutory rape, which require only that the accused engaged in a criminal
act; the legal system does not take into account the mental state of the accused
when determining culpability for the offense.



Examples of different kinds of crime include murder, assault, fraud or theft. In
exceptional circumstances, defences can exist to some crimes, such as killing in
self defence, or pleading insanity. Another example is in the 19th century
English case of R v. Dudley and Stephens,[17] which tested a defence of
"necessity". The Mignotte, sailing from Southampton to Sydney, sank. Three crew
members and a cabin boy were stranded on a raft. They were starving and the
cabin boy close to death. Driven to extreme hunger, the crew killed and ate the
cabin boy. The crew survived and were rescued, but put on trial for murder. They
argued it was necessary to kill the cabin boy to preserve their own lives. Lord
Coleridge, expressing immense disapproval, ruled, "to preserve one's life is
generally speaking a duty, but it may be the plainest and the highest duty to
sacrifice it." The men were sentenced to hang, but public opinion, especially
among seafarers, was outraged and overwhelmingly supportive of the crew's right
to preserve their own lives. In the end, the Crown commuted their sentences to
six months.



Criminal law offences are viewed as offences against not just individual
victims, but the community as well. The state, usually with the help of police,
takes the lead in prosecution, which is why in common law countries cases are
cited as "The People v. …" or "R. (for Rex or Regina) v. …" Also, lay juries are
often used to determine the guilt of defendants on points of fact: juries cannot
change legal rules. Some developed countries still have capital punishment and
corporal punishment for criminal activity, but the normal punishment for a crime
will be imprisonment, fines, state supervision (such as probation), or community
service. Modern criminal law has been affected considerably by the social
sciences, especially with respect to sentencing, legal research, legislation,
and rehabilitation. On the international field, 104 countries have signed the
enabling treaty for the International Criminal Court, which was established to
try people for crimes against humanity.





Contracts

Main article: Contract




The Carbolic Smoke Ball offer, which bankrupted the Co. because it could not
fulfill the terms it advertisedThe concept of a "contract" is based on the Latin
phrase pacta sunt servanda (agreements must be kept). Contracts can be simple
everyday buying and selling or complex multi-party agreements. They can be made
orally (e.g. buying a newspaper) or in writing (e.g. signing a contract of
employment). Sometimes formalities, such as writing the contract down or having
it witnessed, are required for the contract to take effect (e.g. when buying a
house).



In common law jurisdictions, there are three key elements to the creation of a
contract. These are offer and acceptance, consideration and an intention to
create legal relations. For example, in Carlill v. Carbolic Smoke Ball Companya
medical firm advertised that its new wonder drug, the smokeball, would cure
people's flu, and if it did not, buyers would get £100. Many people sued for
their £100 when the drug did not work. Fearing bankruptcy, Carbolic argued the
advert was not to be taken as a serious, legally binding offer. It was an
invitation to treat, mere puff, a gimmick. But the court of appeal held that to
a reasonable man Carbolic had made a serious offer. People had given good
consideration for it by going to the "distinct inconvenience" of using a faulty
product. "Read the advertisement how you will, and twist it about as you will",
said Lord Justice Lindley, "here is a distinct promise expressed in language
which is perfectly unmistakable".



"Consideration" means all parties to a contract must exchange something of value
to be able to enforce it. Some common law systems, like Australia, are moving
away from consideration as a requirement for a contract. The concept of estoppel
or culpa in contrahendo can be used to create obligations during pre-contractual
negotiations.In civil law jurisdictions, consideration is not a requirement for
a contract at all. In France, an ordinary contract is said to form simply on the
basis of a "meeting of the minds" or a "concurrence of wills". Germany has a
special approach to contracts, which ties into property law. Their 'abstraction
principle' (Abstraktionsprinzip) means that the personal obligation of contract
forms separately from the title of property being conferred. When contracts are
invalidated for some reason (e.g. a car buyer is so drunk that he lacks legal
capacity to contract)the contractual obligation to pay can be invalidated
separately from the proprietary title of the car. Unjust enrichment law, rather
than contract law, is then used to restore title to the rightful owner.



LEGAL SYSTEMS LEGAL SYSTEMS LEGAL SYSTEMS LEGAL SYSTEMS

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Yanya Punhi(Indra Jatra)

Yanyā Punhi (Devnagari: ञेया पुन्ही, Sanskrit: Indra Jatra) is a festival celebrated in Kathmandu, Nepal. The main attraction of the festival is the procession of chariots and masked dancers representing deities and demons.

Yanyā Punhi (Indra Jatra) is a holiday related to Hindu god king of heaven, Indra. The festival begins with the carnival-like erection of Yosin, a ceremonial pole, accompanied by the rare display of the deity Aakash Bhairab, represented by a massive mask spouting beer and liquor. Households throughout Kathmandu display images and sculptures of Indra and Bhairab only at this time of year. Finally, the Kumari, or virgin goddess (living goddess), leaves the seclusion of her temple in a palanquin and leads a procession through the streets of Kathmandu to thank Indra the rain god.

Majipa Lakhey
Majipa Lakhey (Lakhey Aaju, Devnagari: मजिपा लाखे, लाखे आजु) is a special Lakhey. He is also known as the peaceful Bhairav. The dance of this lakhey takes place only in the week of full moon of Yenlaa month of Nepal Sambat. This lakhey is considered to be the protector of the children in Kathmandu.

The Newar dances can be classified as

Traditional Masked dances
Lakhay dance (the most popular one is Majipa Lakhey dance performed by Ranjitkars of Kathmandu),
Astamatrika dance
Navadurga dance
Pulukisi dance (elephant dance),
Sawabhakku,
Folk Dances
Jyapu dance,
Kumar pyakhan,
Daitya pyakhan,
Tekanpur dance
Ritual Dances
Charya dance (the most eminent Charya dancer is Master Prajwal Vajracharya currently running his former Nepali institute Dance Mandal in Portland, Oregon, USA)

Hotel in Nepal
Nepal Photo
Teaching in Nepal
Kathmandu Nepal

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Protecting your blog from hackers

The hackers are inserting hundreds of spammy links that point to drug, credit card and gambling related sites into the header and footer files and then making them not visible when viewing your blog page with a simple CSS manipulation.

There has been an outburst of blog hack attacks recently. The main focus of the blog hack attacks is older versions of the free Wordpress blogs that are less than the latest 2.5 version release.

It is rife, it is rampant, it’s a really big problem and the majority of everyday bloggers or online marketing types don't have a clue they have been hacked and infected with spammy links that will punish their site and any site that is affiliated via links inbound or outbound.

Beefing Up Blog Security

A few things you should do straight away is to upgrade your blog to the latest Wordpress 2.5 release. For those that don't have the patience to read through here's a quick simplified guide:

• Download and unzip Wordpress 2.5
• Back-up your Blog files onto your local drive
• Turn off all plugins
• Delete the wp-admin and the wp-includes folder on your server
• Upload the new Wordpress 2.5 wp-admin and wp-includes folder
• Delete the index.php file in the wp-content folder and then upload the index.php file from the wp-contact folder in your 2.5 release
• Delete all top level files except your wp-config file and replace with top level files from the 2.5 release - Remember don't overwite your wp-config file your database info is kept in here

That's it you are done! Just re-enable your plugins from earlier and your back up and running as per normal.

They Got IN Now What?

First step is to remove the inserted links: they usually go for the header and footer files. Next alert Google by logging into Google Webmaster Tools (if you don't have an account then create one it only takes 2 minutes) and click the link on the right hand side titled "Request reconsideration".

Explain in your statement that you have had your blog hacked and the links have now been removed and the site is clean. Back up your claim by detailing where the spammy links where residing in your code i.e. they start at line 200 or just under the body tag. It may seem obvious but you must consider you are presenting proof to clear your site and your name. Finally, also add what impediment steps you have taken to help beefen up security.

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Western Union launched in Panama

Following our announcement a few weeks ago, we're happy to announce that Western Union is now offered as a payment method for publishers located in Panama. To sign up for payments by Western Union, sign in to your account and follow these instructions. Please also keep in mind that we're only able to make Western Union payments to individual payee names, but not to businesses.

Not located in Panama? We've been reading your comments on our other recent payment-related posts, and understand that many of you are looking forward to new payment options in additional countries. Please know that we aren't able to provide details about when new options may become available, as setting them up can take time due to factors like compliance with local laws and tax regulations. However, we're working hard to find more convenient ways to send you your earnings, and we'll definitely announce any new options here. In the meantime, please feel free to keep leaving your feedback, and we appreciate your patience!

Adsense Tips

How can Your SEO Keywords make Money?

As you likely know by now, there is a big difference between effective, quality website content, and search engine optimized (SEO) website content that will obtain the highest ranks in search engines and directories such as Google, Yahoo!, and MSN. However, to apply SEO properly to your website, you first need to know which keywords to use. Once you have them, you also need to know if those keywords are working for you, or if you will need to tweak them to get better results. After all, a keyword is only as good as the money it makes for you.

The keyword itself is a certain word or phrase that someone would type into a search engine or web directory in order to find your website. The keyword you choose for any given page should describe that page in a way that a regular web surfer would search for it. The keyword should be a direct reflection of the content of that page. They should never contain any random or additional words that have nothing to do with you, your business, or your website. If they do contain these excess words, then you won't obtain the maximum results from your SEO strategy.

Among the most widely accepted keyword strategies is that the number of keywords in a website should never exceed 21-22. There are sites out there that have well over six and seven hundred keywords, without any content to back those keywords up. Even if they did have content for every one of those keywords, there would be no point, since search engines will ignore any keyword over their limit of 22 words.

Keywords are each counted as one word. Key phrases, on the other hand, are also counted as one, no matter how many words make them up. For example, if you owned a computer company, a keyword could be "computers". This would be counted as one word. However, you could also have a key phrase "discount computer company", which would also be counted as one.

Even though key phrases are each counted as only one keyword, you should always keep them very short and straight to the point, without any excess words or puff.

To properly apply these keywords to your website, you first need to come up with a list of 21 or 22 keywords/key phrases that will describe your website content, such as the product or service you are selling. You then need to work them into your content, as well as into the site description coding and any additional information you submit to the search engines upon registration with them.

To identify the keywords, there are many different tools that you can use. You can pull them straight out of the air, have friends and colleagues brainstorm with you, or use one or two of many different softwares that are available for specifically that purpose. One of the most popular among these softwares is the Overture Keyword Suggestion Tool. You simply need to tell it what your site is about, and it will suggest a number of different potential keywords based on what has been searched for within the last past month.

By making sure that you're using the right keywords, you're much more likely to choose exactly the word or phrase that a web surfer might type when searching for what your site has to offer. This is the entire point of SEO. When done properly, you'll increase the number of visitors to your site, and will therefore experience increased sales. Your website will be more visible, more find-able, and more successful, all by selecting the right wording. Though it may sound complex at first, once you get the hang of it, it does become much more routine. You must remember, though, that this is a time consuming process, and is something that you will need to maintain for the entire life of your website. If you don't have the time or willingness to dedicate to your website, be certain to hire a professional to do it for you. It is definitely worth the extra few dollars that it will cost. The increased sales will pay for the SEO many times over.
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Nokia 7310 Supernova

DESCRIPTION

If you are looking for a complete mobile phone, then Nokia 7310 Supernova is a widget that has got all the qualities, that what it takes to feature at the top of the list of mobile phones in the market. The awesome widget from Nokia can easily be tagged as 'the master of all trades'. It is because it has got awe-inspiring look, incredible camera and not to forget the whopping memory space which allows the users to store anything just anything. That's not all, the reasonably priced high-end mobile handset is also loaded with all kinds of latest connectivity technologies. The display screen, too, is one of the prime features of this mobile device from Nokia. The standby time of the battery of Nokia 7310 Supernova, is also on the higher side, which makes sure that the user gets the interruption-free service from this mobile phone for the longest possible time.

KEY FEATURE
Weight 83 grms
Talktime Up to 4 h
Standby Up to 300 h
Colour Display TFT, 16M colors
Ringtones Polyphonic (64 channels), MP3
Camera 2 MP, 1600x1200 pixels, video (QCIF@15fps)
MP3 MP3/AAC/AAC+/eAAC+/WMA player
Bluetooth Yes, v2.0 with A2DP
Infrared NO
GPRS Class 32, 88 kbps
Video Recording YES
3G NO

Outsource Web Design

Outsourcing web design to India has become a global phenomenon with rise of skilled work force and cost effective web design solutions. Web design in the developed countries costs more because of increased labor and over head costs. That’s why India has been highlighted as the most prominent destination for outsourcing web services in India including both the design and development.

You may find numerous companies claiming to be ‘the best’ or ‘state of art’ companies in outsourcing web design India. But it is always better to conduct a survey before handling a web design project to such a company. Check out for the portfolio and the team that is going to be directly involved in your project.

Outsourcing web design to India can be a great decision for any company as it simply creates a higher turn over by reducing the overhead costs of projects carried onsite. As and when you compare the outsourced and onsite projects, you will not take a breath to outsource the web design project to India.

One more aspect of outsourcing web design India is the effective communicant skills and knowledge of the English language. No matter what your business is; communication is the key to get your message across to the team and get desired project. Lack of communication often leaves loop holes that flare-up after the delivery.

The Indian web designers are quiet proficient in the English language and can communicate and get hold of all the required details very easily as compared to any other non-English speaking country in the world. A well developed website, according to your target audience and nature of business can play a pivotal role in the success of your business with an impressive online presence. And the Indian web design industry gives you exactly what is needed for successful online identity.

Eight Megapixel

The wait for the Samsung i8510 is almost over. Handset due for release soon.
High Street retailer, Carphone Warehouse have finally secured rights to sell the 8MP Samsung i8510 for one month after its September launch. The Carphone warehouse are getting very excited as it will be the 8 megapixel handset to be launched in the United Kingdom.
“This most certainly marks a new era in the world of Mobile Phone Technology and we’re excited to be launching the Samsung i8510 in partnership with The Carphone Warehouse,” said Samsung Mobile UK and UK Vice President Mark Mitchinson.

To be the first company to launch an 8 megapixel multimedia handset in the UK is a proud moment for anyone and demonstrated beyond any doubt that Samsung is very much on the up and the forefront of mobile phone technology.

The Price for Samsung i8510 and the release date has yet to be confirmed by either company, but it will be released later this month so have your eyes open and your ears peeled. Because the time is finally near.

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