Selena Gomez look Sexy at Golden Globes 2013 after parties

Selena Gomez with the latest music singles look sexy while attending a celebration of the Golden Globes.

She is also a lover of Justin Bieber is wearing a dress that looks so sexy and seductive.

The newly single singer continued to show Justin Bieber what he's missing -- not that she wants him back -- with another super-sexy dress.

Dressed in a gold Atelier Versace dress, the 20-year-old hit up both the Weinstein Company party and the InStyle/Warner Bros. soiree following the 2013 Golden Globes on Sunday night.
Gomez is enjoying the single life, and showed up to the party with pal and "Spring Breakers" co-star Vanessa Hudgens, who wowed in a sequined Jenny Packham dress with a plunging neckline.

For more stars photos at the Golden Globes 2013 after-parties, follow the link below...

Source : huffingtonpost.com

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How to verify web / blog to Technorati

Tehcnorati is tracking engine that indexes web or blog sites / blogs around the world and put on their direktoti. The purpose of registering the web / blog in Technorati, for web / blog is well known and we can monitor the popularity of web / blog, find out the ranking of web / blog and also to know which blogs are giving a link to a website / blog is.

For How to register a website / blog to technorati, follow the steps below, starting from the registration process until the verify website / blog is.

The following step-by-step registration web / blog to technorati:

1. Visit http://technorati.com/blogs/directory/ Then you must create an account on technorati join by clicking the menu on the right side of the page, fill out all the forms that exist.
2. After you do the join, please verify your email by opening your email and click the link sent by Technorati.
3. After verification through the link in the email, please Sign In return the account that you created earlier, and click on your profile that is located on the top right corner Technorati.
4. In the My profile page, complete the form provided or directly to the "start a blog claim" under the box my profile image. Fill the box with the url of your web / blog and click "claim".
5. A few moments later, please reopen your account username. And it will appear under the thumbnails of your profile photo.
6. Furthermore, you are required to press the "Check Claim". Until this step we list the sites that are otherwise not been verified.
7. Please re-open your email account and there are second email sent by Technorati Claim Token containing the number you like: NBBS2AVQR96F
   Examples of email content is as below:                                                                                  (This is an automatically-generated email.
   Thank you for submitting your blog claim on Technorati. Technorati will need to verify that you are an author of the site http://whatnews2day.blogspot.com/ by looking for a unique code. We have just assigned the claim token NBBS2AVQR96F to this claim. Please visithttp://technorati.com/account/ for more details, including how to use the claim token.
   Thank you.)
8. To make a claim against the website / blog it, please make a post to include code token sent by Technorati as I post this and publish the post as soon as possible. (if you want to copy this article please include the source).
9. Then you go back to Technorati account and click the "Check Claim". If successful a message will appear like this (We have successfully crawled your blog and found the claim token, and your claim is now awaiting review), it is thus a step verification token technorati been successful and you are just waiting for a review of the Technorati.
   
10. I recommend that you always check on your email regularly, as the technorati may send an email notifying you to take further action such as edit tags and etc.

With 10 steps to register a web / blog to technorati, expected web / blog you can quickly indexed by Technorati so of course greatly affect the traffic web / blog.

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2013 Oscar Nominations surprised to Ben Affleck and Kathryn Bigelow

After the previous Oscar nominations in 2010 fell to Leonardo DiCario and Nicole Kidman, but another case in 2013, which was entered in 2013 Oscar Nominations are Ben Affleck and Kathryn Bigelow.

The news is certainly surprising to some people because the incoming Hollywood celebrity Oscar nominations in 2013 is different from previous years.

The 2013 Oscars were not without some major surprises. From Leonardo DiCaprio and Nicole Kidman to Ben Affleck and Kathryn Bigelow, some of awards season's best and brightest were left by the wayside, doomed to join Michael Fassbender, Albert Brooks and Christopher Nolan's "The Dark Knight" in the annals of Oscar snub history.

What were the biggest snubs and surprises on Oscar nomination morning? Below, a look at some of the biggest Oscar snubs of 2013.

Source : huffingtonpost.com

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The best NFL players Junior Seau suffered from CTE brain disease

One of the best NFL players and fiercest for nearly two decades, Junior Seau, has a degenerative brain disorder, it is unknown when he committed suicide last May, the National Institutes of Health told The Associated Press on Thursday.

The results of the NIH study revealed that the brain Junior Seau had abnormalities consistent with chronic traumatic encephalopathy (CTE).

Dr. Russell Lonser independent supervisor brain research, "said." We have a chance to get some experts involved in a way they would not be able to directly identify the network even if they know he is one man who became our research. "

NIH, based in Bethesda, Md., conducted a study of three unidentified brain, one of which is that Seau. It said the findings of the autopsy Seau similar to people "with exposure to repetitive head injuries."
Seau families requested the analysis of brain disease suffered by the Junior Seau.

Seau is the star quarterback for 20 NFL seasons with San Diego, Miami and New England before retiring in 2009. He died of wounds inflicted by guns themselves.

More Images of the NFL legend through the years

He joins a list of several dozen football players who had CTE. Boston University's center for study of the disease reported last month that 34 former pro players and nine who played only college football suffered from CTE. 

"I was not surprised after learning a little about CTE that he had it," Seau's 23-year-old son Tyler said. "He did play so many years at that level. I was more just kind of angry I didn't do something more and have the awareness to help him more, and now it is too late. 

"I don't think any of us were aware of the side effects that could be going on with head trauma until he passed away. We didn't know his behavior was from head trauma." 

That behavior, according to Tyler Seau and Junior's ex-wife Gina, included wild mood swings, irrationality, forgetfulness, insomnia and depression. 

"He emotionally detached himself and would kind of 'go away' for a little bit," Tyler Seau said. "And then the depression and things like that. It started to progressively get worse." 

He hid it well in public, they said. But not when he was with family or close friends.

The NFL faces lawsuits by thousands of former players who say the league withheld information on the harmful effects concussions can have on their health. 

"We appreciate the Seau family's cooperation with the National Institutes of Health," the league said in an email statement to the AP. "The finding underscores the recognized need for additional research to accelerate a fuller understanding of CTE. 

"The NFL, both directly and in partnership with the NIH, Centers for Disease Control and other leading organizations, is committed to supporting a wide range of independent medical and scientific research that will both address CTE and promote the long-term health and safety of athletes at all levels."NFL teams have given a $30 million research grant to the NIH. 

Seau is not the first former NFL player who killed himself, then was found to have CTE. Dave Duerson and Ray Easterling are others.Duerson, a former Chicago Bears defensive back, left a note asking for his brain to be studied for signs of trauma before shooting himself. His family filed a wrongful death suit against the NFL, claiming the league didn't do enough to prevent or treat the concussions that severely damaged his brain.

Easterling played safety for the Falcons in the 1970s. After his career, he suffered from dementia, depression and insomnia, according to his wife, Mary Ann. He committed suicide last April.

Mary Ann Easterling is among the plaintiffs who have sued the NFL. "It was important to us to get to the bottom of this, the truth," Gina Seau said, "and now that it has been conclusively determined from every expert that he had obviously had it, CTE, we just hope it is taken more seriously. 

"You can't deny it exists, and it is hard to deny there is a link between head trauma and CTE. There's such strong evidence correlating head trauma and collisions and CTE." 

Tyler Seau played football through high school and for two years in college. He says he has no symptoms of any brain trauma. Gina Seau's son Jake, now a high school junior, played football for two seasons, but has switched to lacrosse and has been recruited to play at Duke."Lacrosse is really his sport and what he is passionate about," she said. "He is a good football player and probably could continue. But especially now watching what his dad went through, he says, 'Why would I risk lacrosse for football?' 

"I didn't have to have a discussion with him after we saw what Junior went through."he said, but I can only say that Junior Seau is the best NFL players of all time

Source : Sporting News NFL

1:32 AM | 0 komentar | Read More

Visa Credit Card Application Form in 2013

In applying for a credit card there are some things to consider, one of which is how we are in filling out the application form from the credit card company.

Each credit card company has a Visa Credit Card Application Form which will be different from one credit card company to company.

Visa Credit Card Application Form is something that is very important in the process of applying for Visa credit card. Visa Credit Card Application Form must be filled out by prospective customers in accordance with the actual data because this is how the company that issued the credit card visa to gather all the important information they need to know about their prospective customers.

Generally, the information required by the credit card issuing visas to prospective Visa Cardholder must be given through Visa Credit Card Application Form is:

1. Name of Primary Applicant and Co-Applicant
2. Address of Primary Applicant and Co-Applicant
3. Phone Numbers of Primary Applicant and Co-Applicant
4. Social Security Number of both
5. Monthly Gross Pay at the current employment
6. Monthly Gross of Additional Income if there exists any additional source of income

In addition to this information we can also mention the name of where the additional card to be issued if he wants to apply for additional cards.
Along with the purpose of gathering information from prospective customers, Visa Credit Card Application Form also provides some important information to customers to be filled out by potential customers. This information is provided under the heading-Information Credit Agreement, Credit Life and Disability Insurance and Credit Card Disclosures.

The information provided under the heading Information and Credit Agreement requires careful reading by Credit Card Visa Applicant. After reading the terms and conditions carefully, Primary Applicant and Co-Applicant should be in place is shown along with the mention of their Date of Birth. Signatures they will be seen as their consent to all terms and conditions mentioned in the Application Form and Visa Credit Card as their final nod in the process of credit card for applying.

Under the head of Credit Life and Disability Insurance, all the important information provided insurance are:

• Insurance Policy Number
• Insurance Maximum Coverage
• Maximum Period for Loan Repayment
• Retroactive Benefit in case of Credit Disability Insurance
• Waiting Period in case of Credit Disability Insurance

Under the head of Credit Card Disclosure, the information provided is:

• Annual Fee for the Visa Credit Card
• Annual Percentage Rate on Purchases
• Method of Calculating Card Balance
• Grace Period for the Repayment of Card Balances
• Late Payment Fee
• Fees for exceeding Credit Limit
• Fees for Card Replacement

Similarly, our writing in terms of instructions filling the visa application form of credit card. Hopefully what we describe may be useful for those of you who are applying a credit card.

To get more detailed information on Visa Credit Card Application Form one can browse the sites like mtedcu.org and nufcu.com.

4:03 AM | 0 komentar | Read More

Homeowners Insurance

Whether you’re interested in learning the home?

insurance basics, looking to lower your homeowners?

insurance rates, or just finding a home insurance?

quote, we’ll show you the way.

Homeowners insurance (HOI) as the name implies, is property insurance coverage that not only protects you from the damage or loss of your property, but also provides liability protection for you, your family and guests, should an accident occur. If you own a home, you need home insurance. Not only does home insurance protect what’s most likely your largest asset, but it’s required by lenders when financing a home, making it one of the most necessary and abundant forms of insurance available today.

Homeowners insurance, in it’s essential form, covers the cost of rebuilding or repairing your home, replacement or reimbursement of personal property, and liability or legal responsibility for injury to other people caused by you or your family members. Home insurance provides protection from most disasters, such as fire. The two exceptions include floods and earthquakes. Additional coverage must be purchased when insuring against these natural disasters.

Types of Home Owner Insurance

Home insurance comes in a number of standardized forms. These forms were designed to eliminate the burden of purchasing several separate policies such as fire, theft, liability, and so on. The HO-3, sometimes called the “special policy” is the most commonly utilized form of homeowners insurance, as it provides comprehensive coverage.

The standardized forms are covered below:

1. HO-1 is a very basic policy, which covers specific risks outlined in the home insurance policy. These might include such risks as fire or lightening, hail, explosion, vandalism, theft, and more. This is not inclusive of personal property.
2. HO-2 includes coverage of HO-1, but adds additional coverage for specific perils. These perils are named in the policy, but commonly include plumbing and heating issues. This is not inclusive of personal property.
3. HO-3 is the most common form of homeowners insurance, as it’s designed as a blanket policy, covering most common issues. The protection of structure, personal property, and liability are all included. It is important for you to read your policy, however, as there are often exclusions. Common exclusions are flood, earthquake, and nuclear.
4. HO-4 is renters insurance designed for those renting a home or an apartment. Renters insurance policies will cover issues not outlined in the property owner’s policy. The tenant receives liability and personal property protection.
5. HO-5 is essentially a more comprehensive HO-3 home insurance policy.
6. HO-6 is condo insurance. This covers issues that aren’t covered by the condominium/homeowners association policy. Much like renters insurance, it provides liability insurance for residents and guests, as well.
7. HO-8 is an “older home” policy. This allows homeowners to insure older homes at lower rates. Rather than insuring the higher replacement costs associated with replacing an older home to its originality, you’re insuring for cheaper, more readily available, materials.

How Much Home Insurance?

You should insure your home for the total cost that it would take to replace it completely. This amount would be the cost to rebuild your home, if it was totally destroyed. When determining this value you should factor the quality of construction, custom features, square footage, and any other factors affecting value. Remember that you’re insuring your home, not the land it’s built on. So, don’t forget to subtract the value of the land, as the land will always be there, regardless of disaster. Also, if your home is destroyed, where are you going to go? You’ll need coverage for additional living expenses, like relocation.

Purchase a guaranteed replacement homeowners policy. This will insure that your house is rebuilt to replacement quality, regardless of rising construction or material costs. This is important, as material shortages are common after major disaster. It’s not at all uncommon for home insurance companies to cap these guarantees, limiting their risk exposure.

If you live in an area prone to flood, it’s important to get flood insurance coverage. Most homeowners insurance policies don’t include flood damage protection. Flood protection can be purchased through the Federal Emergency Management Agency (FEMA). Similarly, if you live in earthquake prone California, the California Earthquake Authority (CEA) provides earthquake insurance coverage.

Don’t forget your home’s content. Most home insurance policies provide minimal personal property protection. If you have items of value that you’d like protected, this will most often require an additional rider. These additional home insurance riders are purchased to protect expensive jewelry, art, antiques, collectibles, and other items of sentimental or economic value.

What Determines Home Insurance Rates?

For obvious reasons, location plays a large role in determining your home insurance rates. Certain high-risk areas prone to storm or disaster will always come at higher rates, due to the higher claims associated with those areas. What you might not know is that your sex, age, and marital status are all contributing factors when your home owner insurance rates are determined. Your credit score also plays a role in how much you’ll pay. There is a direct statistical correlation between low credit scores and high home insurance claims. Basing your rates on sex, age, marital status, or even your credit score may seem discriminatory, though that’s not the insurance company’s objective. These demographics allow the home insurance company to balance the statistical risks from an actuarial standpoint.

How to Save on Homeowners Insurance

You may not be able to change your demographics, but there are other ways you can save on your homeowners insurance policy. Combining your insurance coverage has become a popular way to save on insurance premiums. Some insurers will cut your rates as much as 20 percent by simply combining your home and auto insurance policies. And just like raising your auto insurance deductible, raising your homeowners deductible can help with the affordability of your policy. Certain safety equipment, such as a monitored home alarm, might provide for additional reductions. If you fall in the bad credit category, it will pay in more ways than one to repair credit. Be sure to check your credit record regularly to catch or correct any errors. Keeping little or preferably no revolving credit card debt will not only help with your credit score, but benefit your home insurance rates too.

Getting a Home Insurance Quote

When getting a home insurance quote, it’s important to go with a quality company, one that will be around when needed. Going with a fly-by-night company might provide cheap home insurance, but you’ll often pay in the end, through poor service or when making a claim. Insurance companies are rated by financial strength rating services, such as Moody’s or Standard & Poor’s. It’s always prudent to look into any home insurance company you plan to rely on. One of the best ways to save, when it comes to choosing the best homeowners insurance policy, is to get a multiple home insurance quote from a handful of quality insurers. Thanks to the internet, it’s relatively easy to get a homeowners insurance quote online that compares several reputable  carriers. This will allow you to go with the quality your looking for, but at a great rate.

Source : internetmarketingroyalty.com

10:09 PM | 9 komentar | Read More

Insurance Matters To A Home Office in 2012

How to Get Insurance Matters To A Home Office in 2012..??

 The home office is fairly commonplace these days as more people choose to work from home, either telecommuting or starting their own businesses.

Several things need to be considered when setting up a home office, not the least being how to insure it. If you are working at home under a telecommuting arrangement with your employer, the risk will be borne either wholly or partially by them. You will need to clarify exactly who is responsible for what before entering into the arrangement.

If starting a business from home, you are responsible for ensuring that the insurance coverage is adequate. Some different types of insurance for the home-based business operator to consider are:

• Office equipment

• Inventory (if stock kept on the premises):

• Public Liability

• Professional Indemnity

• Workers’ Compensation

• Personal Accident/Income Protection

Many small or “micro” business operators may feel they need little, if any, additional insurance. Picture this…

Your home is struck by lightning during a major storm and all of your electrical equipment is “fried”. Your Home Contents Policy will cover replacement of household electrical appliances destroyed as a result of the lightning strike but does not cover equipment used in the operation of a business. Some companies do offer limited cover for home office equipment…yours doesn’t.

Do you ever consult with clients at your home office? If a client trips on one of your children’s toys and is injured, don’t expect to be indemnified by the public liability section of your household policy. Any liability arising out of your business activities will be borne by you.

Think about this for a minute. Medical expenses, loss of income due to incapacity, not to mention legal expenses if the matter goes to court plus any judgement that may be awarded. Without Public Liability insurance for your business, one claim is all it would take to ruin you financially.

If you keep inventory on the premises, remember that it is not covered under your household policy. A separate policy to insure your stock will be required.

Perhaps you don’t handle stock. Your product may be your expertise and talent such as a business consultant or financial advisor. What if your advice is proven to be wrong? A financial advisor whose clients lose a lot of money because of his advice may well sue him for that loss. Without Professional Indemnity insurance, another small business folds.

Another question to ask yourself is this: What effect would losing my home-based business income have on my current lifestyle? If the answer is anywhere from “hardly any” to “catastrophic”, some form of Income Protection or Personal Accident insurance is recommended.

Then there’s Workers’ Compensation. “Workers’ Compensation?” I hear you incredulously ask. “But I don’t employ anyone!”

Consider this …

You’re a graphic designer and very, very busy. Demand for your services has grown so much that you occasionally subcontract out some of the work.

On one particular occasion, you contact another designer with whom you’ve worked before. He meets you at your favourite coffee “haunt” and you go over the job specifications with him. The meeting ends well and you look forward to receiving his part of the project in due time. He can’t wait to get started (or to receive your cheque).

On the way home from his meeting with you, the other designer is involved in a car accident and seriously injured. He will be unable to work for at least eight weeks and has no Personal Accident insurance.

His was the only vehicle involved so there’s no recourse there either. His only alternative to keep life in some kind of order is to claim Workers’ Compensation…from you. Since the accident occurred on his way home from his meeting with you – someone who has offered payment for a service provided – it would be difficult to successfully dispute his claim.

Regardless of what type of business is being operated from your home, it is imperative that the correct insurance type and level of cover is obtained. As is illustrated by the examples given, it only takes one incident, giving rise to one claim that can ruin, not only a business, but also lives.

And it is not just the business operators who suffer. The injured parties who are themselves unable to earn a living, through no fault of their own, also suffer - as do their families. Even if a judgement is awarded in favour of an injured party, the now bankrupt home-based business operator involved would have no means by which to pay it.

Talk to your insurance broker today!

2:22 AM | 0 komentar | Read More

How to Get Student Loans in 2012

How to Get Student Loans in 2012 for Study Abroad..??

About Student Loans

Student Loans are a form of financial aid designed as a low-interest borrowing solution for students who seek to pursue higher education. Student loans allow students to cover the cost of a degree program and consequently fulfill their career goals with relative financial ease. There are essentially two main types of student loans: those offered by the federal government, which are federal student loans; and those offered by banks and lending institutions, which are private student loans.

Researching How to get Student Loans

If you need to get a student loan, it is essential to explore all your options. Since there are many different types of student loans, it is imperative to know the details of each so that you may know as to which kind of loan best meets your needs. SimpleTuition’s Student Loan Comparison Tool is extremely helpful for sorting and comparing all your options: it allows you to compare loans from major and local lenders side-by-side to cut through all the confusing details, and explains exactly how to get student loans. By doing your research on SimpleTuition, you won’t find yourself thinking, "How to get student loans?" and, even better, you’ll find the loan that best fits your financial profile.

Types of Student Loans

Broadly, Student Loans can be divided into the categories of federal and private student loans. Federal student loans include Stafford loans, Perkins loans and Plus loans, which are considered to be the best first borrowing option for students, as they have comparatively low interest rates versus private loans. However, federal student loans have relatively low borrowing limits, and generally do not cover the complete cost of education. Banks and other financial institutions offer private student loans, which, although they have a high rate of interest compared to federal loans, they can provide you with a great way to manage your academic expenses if the federal loans do not prove to be sufficient. 

Wondering how to Get Student Loans? Meet these Eligibility Criteria

The eligibility criteria for Student Loans vary from one loan and lender to another. To receive federal loans, you must be a US citizen and be enrolled at least half-time in a recognized program to get federal student loans. To get private student loans, you need to have a good credit history or a credit-worthy cosigner in addition to having US citizenship or a cosigner who is a citizen. You must also be enrolled at least halftime in a 4 year degree program to apply. 

Want to know the best practices for how to get student loans? Search and compare.

Once you have found out all the details of different student loans, you should compare them against each other. Consider the amount that you will borrow, as well as the interest rate and repayment terms; from there, you can decide what loan fits you best. Use our Student Loan Comparison tool above to easily compare the details of many different loans and to apply for the best loan for you.

2:14 AM | 0 komentar | Read More

Yemeni president returns home

Yemeni President Ali Abdullah Saleh has returned home after undergoing treatment in Saudi Arabia, a government spokesman said Friday.


Saleh returned to Yemen after a three-month medical stay in Saudi Arabia, said Mohammed Albasha, the Yemeni government spokesman.

Protesters have been calling for the ouster of the longtime president, who had been recuperating from a June attack on his palace.

He has vowed to finish his term.
A violent crackdown by authorities has left hundreds dead at protests, rights groups said.

Amnesty International said that since February, 200 people have been killed and more than 1,000 injured in protests in Yemen "as security forces have repeatedly used excessive force, including by firing live ammunition at peacefully gathered protesters."

Government officials have repeatedly denied accusations of excessive use of force, and said the government is committed to establishing a peaceful transfer of power.

Yemeni officials have said forces cracked down on those committing acts of violence during protests.

Source : CNN

4:47 PM | 0 komentar | Read More