Archive for December, 2016

Home Page Pays A Review Of The Membership Site

Home Page Pays created by a technology company named Smart Media Technologies has caught me attention of late.

According to the information that I saw Home Page Pays is a membership site much like facebook or twitter but with one big difference.

Using this site as your home page or choosing to install the Home Page Pays browser app into your browser anyone can earn money and win cash and prizes by surfing the internet and joining in competitions.

According to the same literature there will be 3 phases to the membership sites launch and and they are presently in phase 1 which consists of inviting people to join the site as potential free members and allowing them to sign up.

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Download And Watch Hemingway’s Garden Of Eden Movie 2010 Free Online

Roadside Attractions has acquired U.S rights to Hemingways Garden Of Eden. This is a book that has surprised many people and now it will soon become the epic tale of a film.

The film Hemingways Garden Of Eden is set to be released in December of 2010. It is being released by Roadside Attractions as stated above and it is starring Mena Suvari and an awesome cast of members. It is a drama style movie and the rating for this movie isnt available as of yet.

Set in the jazz age of the 1920s, the story follows a successful young American writer, David Bourne and his beautiful wife, Catherine on their extended honeymoon in Europe. Catherine soon becomes restless and starts to test her husbands devotion, pushing him to the limits of her erotic imagination and luring a sultry Italian girl, into their inner circle, with the stakes continually ratcheting higher, the events that follow change their lives forever. This is going to be a phenomenal film and if you love a good drama this will be one of those that essentially keep you captivated and in suspense as to what is going to happen next.

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Sbi Hike Home Loan Interest Rates

Although the bank will continue with its 8% teaser rate which the had introduced more than a year ago for the first year, it has increased rates for the subsequent years, effective April 1. The hike in rates by SBI was triggered by the recent increase in its cost of funds.
Till March 31, SBI had two schemes The Easy Home Loan (up to Rs 50 lakh) and Advantage Home Loan (above Rs 50 lakh). From April 1, both the schemes have been merged and extended for a month,” an SBI spokesperson confirmed to TOI. The rates applicable for new loans sourced from April 1 till April 30 are 8% for the first year, 9% for the second and third years and floating rate at 1.75% below SBAR (SBI’s equivalent of prime lending rate, or PLR) thereafter,” the spokesperson added.
So in effect, the for the second and the third years have gone up by 50 basis points (100 basis points=1%), from 8.5% earlier to 9% now. While fourth year onwards, at the current structure, the interest rate will be at 10% per annum, since currently SBAR is at 11.75%. Earlier, from the fourth year onward, the floating rate was at 2.75% below the SBAR and the effective rate was 9%.

Under the new rate structure (assuming a 10% rate from the fourth year), on a 20-year loan of Rs 30 lakh, a customer would have to shell out about Rs 3.9 lakh over the tenor of the loan. Thus the effective rate that the customer would be paying over the 20-year period is 9.5%.
Explaining the rationale for hiking rates on home loans, the SBI spokesperson said it mainly reflected the increased cost of funds from April 1 stemming from the new methodology for paying interest in savings bank accounts on daily balances.” In April 2009, Reserve Bank of India (RBI) had mandated all the banks in India to move to a new methodology of calculating interest rates on savings bank accounts that would add interest on a daily basis. This is a significant departure from the earlier practice of calculating interest rate on minimum balance after the tenth of every month.
For sometime now, with the annual rate of food inflation hovering around 20% level and the yields on benchmark 10-year government securities around the 8% mark, bankers and home finance veterans were talking about the possibility of a hike in interest rate in the economy. And now with SBI, the country’s largest bank, hiking housing loan interest rates, industry players are almost sure that interest rates have bottomed out in the current cycle.
Lately a number of banks and financial institutions, including the country’s home loan pioneer , have withdrawn their home loan products at 8% or at a slightly lower rates, and are moving to a more sustainable interest rate structure.

Herb Garden Kits Make Gardening Easy

Looking for a perfect gift? Wrap up one that continues to keep on giving throughout the year. Whether for a child or an adult, herb garden kits are sure to delight. Excellent for birthdays, weddings, anniversaries, and any other memorable event, the recipient will have a reminder of their special day.

Never out of season, they can be used indoors all year round. They provide a learning experience as well as being highly functional. Even a young child gets pleasure from watching the seeds sprout into something that can be used for eating or decorating.

There is one big problem with buying an herb garden as a gift. After the purchaser takes it home, they are too tempted to keep it, and will have to buy another one to give away. Herb garden kits are just too irresistible.

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Steps for Organizing the Garden Shed

A well-stocked garden shed soon turns into a catch-all for all sorts of tools, equipment, or similar items that have no place inside the home. A cluttered or disorganized shed often presents a problem with it comes to locating a specific tool to start gardening. A well-kept shed is certain to make the process of maintaining the garden a far sight easier. Here are several tips for helping to organize the garden shed -

Empty out the cluttered shed

A garden shed can only be tidied and cleared of rubbish by first pulling out everything to leave a bare and empty shell. By being able to clearly see the empty space it is possible to appreciate the amount of tools and equipment that can be stored without overly cluttering the space.

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