Useful Sites to Learn New Skills

If you got spare time browsing the web or is just bored of seeing the usual sites you visit, then why not try checking sites that teaches skills. Here are a few of personal favorite sites that gets us to learn new things:

Hack a Day - Hack a Day serves up fresh hacks on just about anything electronic, even simple household things. if you have a scientist thing in you, then this site is recommended.

eHow - this is an online community which focused on helping people know the most basic everyday tasks, whether its at home or during work. It helped me a lot whenever I don’t get to know this specific site edit or task.

100+ Google Tricks That Will Save You Time - this goes for those who like to tweak sites and get the most benefit of Google applications.

StumbleUpon - this site never failed to get me interesting stuffs, even funny and unique ones. Very much recommended.

For the complete list of sites, just check out this post.

Top Banking Executives are Skeptical about Home Mortgage Credit

Executives in the banking industry are skeptical about lending a hand to troubled borrowers by offering a home mortgage credit. Executives have told lawmakers they are willing to work with some borrowers in special limited cases. They feel borrowers who pay their mortgages on time will feel this practice is unfair. Issues of fairness and how to determine the need for help is the concerning issue for many banking officials and lawmakers. Some estimates show that reducing home loan balances could cost up to 900 billion dollars.

As of March 2010, more than 230,000 homeowners had completed loan modifications. That is a small percent of the borrowers enrolled in the program. Four mortgage companies, the four largest in the country, have come under fire for not doing enough to help borrowers as part of the Obama administration’s $75 billion mortgage relief program. It has been noted that some families are already getting some relief from the Home Mortgage Credit, but it is a slow start. The administration has intention to expand the program in the near future by including a plan to reduce the total amount some struggling borrowers owe on their home loans and give unemployed homeowners a temporary break. The details on this plan are expected to take a few months.

Many Republicans are against the Home Mortgage Credit, stating that our country’s focus should be on creating jobs and that the housing market should not have government intervention or manipulation.

The forecasts at this point predict the new programs will help about 35,000 homeowners avoid foreclosures this year. Unfortunately, 1.9 million homeowners are anticipated to still lose their homes. While awaiting further details on the plan, borrowers should continue to apply for the Home Mortgage Credit. Further information is available at HomeMortgage.com.

Bond Values Play a Role in Municipal Bond Investing

Municipal bonds, or munis, are an investment option some individuals like to use because bond values may be exempt from federal and state income tax, depending on the type of bond. Based on the fact that several government organizations issue bonds as a way to raise funds for public projects like schools, sewer systems, highways, housing, and hospitals, some view munis as safe investments.

With bond values, the face value remains the same regardless of the interest rate. The face value is the principal, or the original amount, you invested when you purchased the bond. The face value also indicates whether or a not a bond is selling at a premium amount, which means the bond values are higher than the principal amount. Discounted munis mean the seller is letting the bond go for less than the principal investment.

While many bonds have a set interest rate and pay investors the earned interest on a semi-annual basis, there are other types of bonds. Floating rate bonds and zero coupon bonds can affect bond values because the interest rates fluctuate based on predetermined benchmark interest rate indexes. With zero coupon bonds, you don’t receive a payment until the bond matures, at which point you get the face value plus any compounded interest.

Since bond values may change based on the interest rate, you may want to use online resources to track future values. Online bond values calculators allow you to enter the information for a specific bond into the template in order to get an estimated value. If you have an idea of the factors affecting the value, this can be a quick way to determine the value. Some investors also use bond indices to determine the yield, duration, and final value for a bond.

8 Simple Steps for Achieving Anything

1. Set your sights on a clear goal – What is it specifically that you want to achieve? Write it down if you have to.

2. Focus on one thing at a time and pick the next logical task – Ask yourself, “What can I do right now that will bring me one step closer to my desired goal?”

3. Educate yourself – What knowledge and skills are required to complete the task you chose in step #2? Keep it simple. Everything else can be learned along the way.

4. Start now – Why haven’t you started? START!!!

5. Say “NO” to distractions – Is the phone ringing? Door knocking? Dog barking? Unless the house is burning to the ground, IGNORE IT ALL!!!

6. Review and adjust – Are you making progress? If yes, see the next step. If not, why not? Are there any small adjustments you need to make?

7. Press on until the task is complete – Revisit steps #5 and #6 as required.

8. Repeat – Once the task you chose in step #2 is complete, it’s time to repeat all the steps for the next logical task. Revisit your goal in step #1 so it’s fresh in your mind, choose the next logical task, educate yourself as necessary, etc.

source: http://www.marcandangel.com

Iron Man 2 Latest Trailer

Big thanks to Dragonlord for posting this in the NG Forums. I can’t wait to watch this sequel.

Some Dofollow Sites to Link with

Here are some Dofollow sites you can utilize to bookmark and get backlinks for your website.

1. slashdot.org
2. delicious.com
3. www.reddit.com
4. www.mixx.com
5. www.2collab.com
6. www.mister-wong.de
7. www.digg.com
8. www.propeller.com
9. www.moemesto.ru
10.www.mister-wong.es
11. www.blinklist.com
12.www.mister-wong.cn

Also, here’s a list of do follow forums that lets you put links in your forum signature.

1. http://forums.digitalpoint.com
2. http://www.vuju.com/
3. http://checkthisup.com
4. http://www.sitepoint.com/forums
5. http://www.thewebmasterforum.net
6. http://www.webmasterforums.com
7. http://www.allcoolforum.com
8. http://www.warriorforum.com
9. http://forums.webicy.com
10. http://thehyipforum.com
11. http://www.webmasterforumsonline.com
12. http://www.webmasters.am/forum
13. http://www.webmasterforums.net
14. http://www.devhunters.com
15. http://www.webmaster-forum.net
16. http://www.geekvillage.com/forums
17. http://www.zymic.com/forum
18. http://www.webmastershelp.com
19. http://www.webmasterdesk.org
20. http://www.webmasterground.com
21. http://developers.evrsoft.com/forum
22. http://www.websitebabble.com
23. http://www.elancetalk.com
24. http://www.talkingcity.com
25. http://www.australianwebmaster.com
26. http://www.wtricks.com
27. http://www.forums.webzonetalk.com
28. http://www.htmlforums.com
29. http://www.searchbliss.com/forum
30. http://www.webmasterize.com

*forum list source: Niceblogger.com

36 Christian Ways to Reduce Stress

Just got this from a post in NG forums, specifically in an Off-topic thread but this is worth the read.

36 Christian Ways to Reduce Stress

An Angel says, “Never borrow from the future. If you worry about what may happens tomorrow and it doesn’t happen, you have worried in vain. Even if it does happen, you have to worry twice.”

1. Pray

2. Go to bed on time.

3. Get up on time so you can start the day unrushed.

4. Say No to projects that won’t fit into your time schedule, or that will compromise your mental health.

5. Delegate tasks to capable others.

6. Simplify and unclutter your life.

7. Less is more. (Although one is often not enough, two are often too many.)

8. Allow extra time to do things and to get to places.

9. Pace yourself. Spread out big changes and difficult projects over time; don’t lump the hard things all together.

10. Take one day at a time.

11. Separate worries from concerns. If a situation is a concern, find out what God would have you do and let go of the anxiety. If you can’t do anything about a situation, forget it.

12. Live within your budget; don’t use credit cards for ordinary purchases.

13. Have backups; an extra car key in your wallet, an extra house key buried in the garden, extra stamps, etc.

14. K.M.S. (Keep Mouth Shut). This single piece of advice can prevent an enormous amount of trouble.

15. Do something for the Kid in You everyday.

16. Carry a Bible with you to read while waiting in line.

17. Get enough rest.

18. Eat right.

19. Get organized so everything has its place.

20. Listen to a tape while driving that can help improve your quality of life.

21. Write down thoughts and inspirations.

22. Every day, find time to be alone.

23. Having problems? Talk to God on the spot. Try to nip small problems in the bud. Don’t wait until it’s time to go to bed to try and pray.

24. Make friends with Godly people.

25. Keep a folder of favorite scriptures on hand.

26. Remember that the shortest bridge between despair and hope is often a good “Thank you Jesus.”

27. Laugh.

28. Laugh some more!

29. Take your work seriously, but not yourself at all.

30. Develop a forgiving attitude (most people are doing the best they can).

31. Be kind to unkind people (they probably need it the most.

32. Sit on your ego.

33. Talk less; listen more.

34. Slow down.

35. Remind yourself that you are not the general manager of the universe

36 . Every night before bed, think of one thing you’re grateful for that you’ve never been grateful for before. GOD HAS A WAY OF TURNING THINGS AROUND FOR YOU. “If God is for us, who can be against us?” (Romans 8:31)

Unavoidable Laws

1. Law of Mechanical Repair: After your hands become coated with grease, your nose will begin to itch or you will have to pee.

2. Law of the Workshop: Any tool, when dropped, will roll to the least accessible corner.

3. Law of probability: The probability of ‘being watched’ is directly proportional to the stupidity of your act.

4. Law of the Telephone: When you dial a wrong number, you never get a busy signal.

5. Law of the Alibi: If you tell the boss you were late for work because you had a flat tire, the very next morning or soon thereafter, you will have a flat tire.

6. Variation Law: If you change lines (or traffic lanes), the one you were in will start to move faster than the one you are in now. (Happens every time).

7. Bath Theorem: When the body is fully immersed in water or in the shower, the telephone rings.

8. Law of Close Encounters: The probability of meeting someone you know increases when you are with someone you do not want to be seen with.

9. Law of the Result: When you try to prove to someone that a machine won’t work, it will.

10. Law of Biomechanics: The severity of the itch is inversely proportional to the reach.

11. Theater Rule: At any event, the people whose seats are furthest from the aisle arrive last.

12. Law of Coffee: As soon as you sit down to a cup of hot coffee, your boss will ask you to do something, which will last until the coffee is cold.

13. Murphy’s Law of Lockers: If there are only two people in a locker room, they will have adjacent lockers.

14. Law of Dirty Rugs/Carpets: The chances of an open-faced jelly sandwich of landing face down on a floor covering are directly correlated to the newness, color and cost of the carpet/rug.

15. Law of Location: No matter where you go, there you are.

16. Law of Logical Argument: Anything is possible if you don’t know what you are talking about.

17. Brown’s Law: If the shoe fits, it’s ugly.

18. Oliver’s Law: A closed mouth gathers no feet.

19. Wilson’s Law: As soon as you find a product that you really like, they will stop making it.

*found this at someone’s Tumblr. funny and true.

Miss Universe 2009 Bikini Pics

I recently visited a site that linked me to AcidCow’s bikini pics of the lovely contestants of Miss Universe 2009. For your info, the Miss Universe 2009 contest will be held on Bahamas this coming August 23. I hope this time our Ms. Philippines contestant Bianca Manalo would garner a top spot in the contest.

Miss Philippines Bianca Manalo (pic from MissUniverse.com)

Some of my other favorites of the Miss Universe 2009 bikini pics are Ms. Venezuela, Ms. Switzerland, Ms. Sweden and Ms. Israel. You can also check their pics at the official Ms. Universe site.

Earthquake Slows RP Internet Connection

The recent slowdown in internet connection here in the country may have been caused by the quake that hit Japan yesterday. As quoted from this report, “While the exact cause is still to be confirmed, it is likely that the Japan earthquake which occurred yesterday, August 11, 2009 is the reason for the international cable faults.” The rest of the article here. Read more

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