Do it Yourself Loan Modification – Learn the ways to secure an Approval

You can improve your chances of victory by having a good and proper understanding of the lenders requirements for the loan modification application to be approved. This will increase the chances of success by studying and preparing about the loan modification process before you meet your lender so even the lender knows about the reason for applying for a loan modification and also you can prepare and submit all the documents required by the lender correctly and completely to avoid waste of time. Below are some important details as to how you can improve on your chances of getting and approving a loan workout.

ELSS Comparision

A comparision of various Equity Linked Savings Schemes (ELSS) is made to check for its performance, in what has been one of the toughest years for most equity schemes in the Indian Mutual Fund Industry. ELSS schemes, considered the darling for most retail investors and advisors are maily used as Tax Saving Instrument under Section 80/C. These schemes provided astronomical returns for a majority of last 5 yrs beating other products available for tax planning purpose under the 80/c section.

Baring Gold ETF(Gold Exchange Traded Fund) and some debt scheme most of the schemes have given negligible or negative returns to most of the investors. The ELSS schemes have let down many of its staunchest believers, who considered the lock-in period (3 yrs) available to the Fund Manager, as sufficient for enough for expecting higher returns.
Click on the link to view the comparision sheet.elss-

comparisiond

G.I. Joe: The Rise of Cobra (August 2009)

G.I. Joe: The Rise of Cobra (August 2009)

The story revolves around a European-based military unit known as Global Integrated Joint Operating Entity (G.I.J.O.E.), which is a hi-tech, international force of special operatives that takes on an evil organization led by a notorious arms dealer.

GI JOE RISE OF COBRA

GI JOE RISE OF COBRA

GI JOE RISE OF COBRA

GI JOE RISE OF COBRA

Opening August 7, the Stephen Sommers-directed adaptation stars Adewale Akinnuoye-Agbaje, Christopher Eccleston, Joseph Gordon-Levitt, Byung Hun Lee, Sienna Miller, Rachel Nichols, Ray Park, Said Taghmaoui, Channing Tatum, Marlon Wayans and Dennis Quaid.
In the Stephen Sommers-directed film, an elite military unit comprised of special operatives known as G.I. Joe, operating out of The Pit, takes on an evil organization led by a notorious arms dealer. It opens August 7, 2009.
Though “G.I. Joe” is a generic term for soldiers going back to World War II, producer Lorenzo di Bonaventura swears his summer blockbuster G.I. Joe: The Rise of Cobra has nothing to do with the modern American military. Di Bonaventura told Entertainment Weekly:

This G.I. Joe has nothing to do with American foreign policy. It’s about a team of skilled operatives fighting an evil organization that’s trying to take over the world. There are no politics in it at all.

Hasbro, whose previous collaboration was the worldwide blockbuster “Transformers,” join forces with Spyglass Entertainment for another extraordinary action-adventure “G.I. Joe: The Rise of Cobra.” From the Egyptian desert to deep below the polar ice caps, the elite G.I. Joe team uses the latest in next-generation spy and military equipment to fight the corrupt arms dealer Destro and the growing threat of the mysterious Cobra organization to prevent them from plunging the world into chaos. “G.I. Joe: The

Paramount has just let out a new trailer for their actioner “G.I. Joe: The Rise of Cobra,” starring Dennis Quaid, Channing Tatum, Marlon Wayans, Joseph Gordon-Levitt, Rachel Nichols, Sienna Miller, Adewale Akinnuoye-Agbaje and Said Taghmaoui.   Stephen Sommers (“The Mummy,” “The Scorpion King”) helms the film from the screenplay by Stuart Beattie, David Elliot and Paul Lovett.   Lorenzo di Bonaventura, Stephen Sommers and Bob Ducsay produce the film.   This sees release on August 7th.   Check out the official site here – http://www.gijoemovie.com/

The film’s plot follows G.I. JOE (Global Integrated Joint Operating Entity) agents as they battle Cobra – which is led by a Scottish arms dealer.





GI JOE RISE OF COBRA

GI JOE RISE OF COBRA

GI JOE RISE OF COBRA

GI JOE RISE OF COBRA

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Transformers 2 : Revenge of the Fallen

Transformers 2 : Revenge of the Fallen

Revenge is coming

If you enjoyed the supercharged visual treat, Transformers of Micheal Bay, then, finally comes the much awaited Transformers 2-Revenge of the Fallen(2009). The chemistry of Shia LeBeauf (Sam Witwicky) and Megan Fox (Mikaela Banes) is truly flawless and is sure to have everyone impatiently waiting for this sequel.

The unforgettable Megatron, along with Starscream, powered by mysterious reinforcements are now heading for revenge, and the Autobots with their own force may be in for ‘more deception than meets the eye’. To accomplish the mission to take Sam Witwicky prisoner, the forces will have to battle it out against Optimus Prime, who in coalition with the military powers of the world will fight it out till the last to save mankind. All of us have heard that before, right?. But what sets this movie apart, is the amazing combination of producer Steven Spielberg  and director Micheal Bay. This duo will enthrall all Transformer Fans to make this the ‘revenge is coming’, a spectacular delight for everyone’s eyes.

So get ready this June 2009, for the most intimidating combat you’ve ever witnessed.

Transformers 2 : Revenge of Fallen (Movie Preview)

Transformers 2 : Revenge of Fallen (Movie Preview)

Decepticon forces return to Earth on a mission to take Sam Witwicky prisoner, after the young hero learns the truth about the ancient origins of the Transformers. Joining the mission to protect humankind is Optimus Prime, who forms an alliance with international armies for a second epic battle.

The battle for Earth has ended but the battle for the universe has just begun. After returning to Cybertron, Starscream assumes command of the Decepticons, and has decided to return to Earth with force. The Autobots believing that peace was possible finds out that Megatron’s dead body has been stolen from the US Military by Skorpinox and revives him using his own spark.

Now Megatron is back seeking revenge and with Starscream and more Decepticon reinforcements on the way, the Autobots with reinforcements of their own, may have more to deal with more than meets the eye cos fate rarely calls upon us at the moment of our choosing.

Do it yourself Loan Modification – 7 most common mistakes to avoid.

Are you one of the millions of individuals who are looking for information to convince your friendly lender to approve your do it yourself loan modification. Not every individual who applies for such loan workout programs does get finally approved. This makes it very essential for all to understand and unravel the 7 most common mistakes to avoid while submitting your proposal –

Interesting Indian Provider Stats

A bit of  number crunching for Indian Providers at one of the biggest Free Lancing websites oDesk.com has led to some astonishing findings.

This data was collected on 19-January-2009. Published on 23-January-2009.

All the figures are quoted as on that date itself. There were a total of 33,431  providers on odesk who met our basic crtiteria, of which, only 4366 were Indian providers. They constituted about 13.06% of total providers at oDesk. Surprisingly, less than 14% of oDesk Providers are Indians(Indian Providers) .

Basic Criteria:

1. An Individual provider only are considered.
2. Provider is oDesk Ready.

Amongst the 4366 Indian providers, which are selected by filtering (based on the location and keyword) only 998 had minimum billed hours on oDesk. We kept the minimum billed hours at oDesk at 1 hour OR $1. This set of providers which had oDesk billing of atleast 1 hour OR $1 were mere 2.99% of the total providers at oDesk.

Basic Criteria:

1. An Individual provider only are considered.
2. Provider is oDesk Ready.
3. Atleast 1 hr or $1 billed at oDesk.

Now comes the most astonishing discovery of this small excercise at oDesk.

The number of Indian oDesk providers who have both experience (of atleast 1 hr or $1) and feedback (Rating of atleast 3 of 5 stars)  is surprisingly low at 652.

Basic Criteria:

1. An Individual provider only are considered.
2. Provider is oDesk Ready.
3. Atleast 1 hr or $1 billed at oDesk.
4. Feedback Score of atleast 3 Stars(out of 5 Stars)

Only 652 Indian Providers are experienced and have reasonable feedback scores. So Buyers, rush and book those guys for the rest of the year before they are engaged in others (read your rival’s) long term projects.

This excercise is indicative only. Kindly do not constitute this data error free. The Author is not responsible for authencity and accuracy of reports generated from the queries at the website.

indian-provider-stats

Indian Provider Stats
Keywords	None	India	India	India
Search Titles only(checkbox)	No	Yes	Yes	Yes
Category	All Categories	All Categories	All Categories	All Categories
Feedback score	Any	Any	Any	At least 3.0 (out of 5 Stars)
Hours Billed on OD	Any amount	Any amount	At least 1 hour or $1 earned	At least 1 hour or $1 earned
Hourly Rate	N.A	N.A	N.A	N.A
Location	Anywhere	South Asia	South Asia	South Asia
Provider Type	Individual only	Individual only	Individual only	Individual only
Last Activity	Whenever	Whenever	Whenever	Whenever
Tests Passed	Don’t Display	Don’t Display	Don’t Display	Don’t Display
Has Portfolio	N.A	N.A	N.A	N.A
English Level	Any Level	Any Level	Any Level	Any Level
oDesk Ready	Yes	Yes	Yes	Yes
Total Individual Providers (excluding Affiliated providers)	33431	4366	998	652
Percentages	- -	13.06%	2.99%	1.95%

Consideration for Rates Quoted

The rates quoted are based on one or more parameters listed below:

* Current project requirement.
* History/Experience/Feedback/Payment of Buyer.
* Clear Scope of Work(no vague job description)
* Upfront payment charged.
* Net payment received, including the input costs and commission costs.
* Current Cost in home country.
* Resources required for completion of assigned tasks.
* Uniqueness of the task.

Morgan Stanley Growth Fund – End of an Unproductive Era

Morgan Stanley Growth Fund, one of the oldest closed ended  schemes launched by an International Asset Management Company has finally reached its maturity. The Scheme which was launched in 6 January 1994, matures on 19 January 2009.

On maturity after 15 long years, it shall be one of last closed ended schemes which were listed on Indian Stock Exchanges in its original form. Nowadays, mostly Open-Ended schemes are listed on Stock Exchanges by Indian Mutual Fund Companies.

Scheme Name : Morgan Stanley Growth Fund Dividend history

Record Date	Dividend (Rs/unit)
27-Oct-2006	0.75
15-Apr-2004	1.0
02-Jul-2001	075
19-May-2000	0.75
24-Jul-1999	0.75

Fund Objective: Morgan Stanley Growth Fund is a close-ended fund designed for long-term capital appreciation. In seeking to achieve this objective, the scheme invests primarily in equity and equity-related securities issued by Indian companies.

Asset Allocation: Under normal circumstances, at least 70% of the Scheme’s assets will be invested in Equity and Equity related securities. In addition, the Scheme may purchase debt securities which are considered to present an opportunity for long term capital appreciation.

Date of Launch – 6th January, 1994, Date of Allotment – 18th February, 1994

Listing: The Units of the Fund were listed on The Bombay Stock Exchange, The National Stock Exchange, The Calcutta Stock Exchange, The Delhi Stock Exchange, The Madras Stock Exchange and The Ahmedabad Stock Exchange. Please note that the option to trade in units of MSGF on the respective Stock Exchanges where it is listed has ceased from the commencement of the ‘No Dealing’ period fixed by the respective Stock Exchanges prior to the Record Date. Consequently, feature of listing and trading in MSGF on the respective Stock Exchanges is not available.

Load Information: N/A

Benchmark: BSE 100

To be continued…