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Thursday, October 8, 2009

MORTAGE LOAN-WORLD WIDE LOAN

Nepalimodel.tk - The amount you are offered and the finance charges and interest rate will depend on your application information, your credit information, and your payment history. Don't worry if you are not approved for the maximum amount on your first loan. As you make successful payments, you may become eligible for larger loans. To qualify for a loan you don't need to be employed, but you must have a regular source of income.
MORTAGE LOAN
Basic concepts and legal regulation
According to Anglo-American property law, a mortgage occurs when an owner (usually of a fee simple interest in realty) pledges his interest as security or collateral for a loan. Therefore, a mortgage is an encumbrance on property just as an easement would be, but because most mortgages occur as a condition for new loan money, the word mortgage has become the generic term for a loan secured by such real property.[clarification needed]
As with other types of loans, mortgages have an interest rate and are scheduled to amortize over a set period of time; typically 30 years. All types of real property can, and usually are, secured with a mortgage and bear an interest rate that is supposed to reflect the lender's risk.
Mortgage lending is the primary mechanism used in many countries to finance private ownership of residential property. For commercial mortgages see the separate article. Although the terminology and precise forms will differ from country to country, the basic components tend to be similar:
Property: the physical residence being financed. The exact form of ownership will vary from country to country, and may restrict the types of lending that are possible.
Mortgage: the security created on the property by the lender, which will usually include certain restrictions on the use or disposal of the property (such as paying any outstanding debt before selling the property).
Borrower: the person borrowing who either has or is creating an ownership interest in the property.
Lender: any lender, but usually a bank or other financial institution.
Principal: the original size of the loan, which may or may not include certain other costs; as any principal is repaid, the principal will go down in size.
Interest: a financial charge for use of the lender's money.
Foreclosure or repossession: the possibility that the lender has to foreclose, repossess or seize the property under certain circumstances is essential to a mortgage loan; without this aspect, the loan is arguably no different from any other type of loan.
Many other specific characteristics are common to many markets, but the above are the essential features. Governments usually regulate many aspects of mortgage lending, either directly (through legal requirements, for example) or indirectly (through regulation of the participants or the financial markets, such as the banking industry), and often through state intervention (direct lending by the government, by state-owned banks, or sponsorship of various entities). Other aspects that define a specific mortgage market may be regional, historical, or driven by specific characteristics of the legal or financial system.
Mortgage loans are generally structured as long-term loans, the periodic payments for which are similar to an annuity and calculated according to the time value of money formulae. The most basic arrangement would require a fixed monthly payment over a period of ten to thirty years, depending on local conditions. Over this period the principal component of the loan (the original loan) would be slowly paid down through amortization. In practice, many variants are possible and common worldwide and within each country.
Lenders provide funds against property to earn interest income, and generally borrow these funds themselves (for example, by taking deposits or issuing bonds). The price at which the lenders borrow money therefore affects the cost of borrowing. Lenders may also, in many countries, sell the mortgage loan to other parties who are interested in receiving the stream of cash payments from the borrower, often in the form of a security (by means of a securitization). In the United States, the largest firms securitizing loans are Fannie Mae and Freddie Mac, which are government sponsored enterprises.
Mortgage lending will also take into account the (perceived) riskiness of the mortgage loan, that is, the likelihood that the funds will be repaid (usually considered a function of the creditworthiness of the borrower); that if they are not repaid, the lender will be able to foreclose and recoup some or all of its original capital; and the financial, interest rate risk and time delays that may be involved in certain circumstances.

Mortgage loan types
There are many types of mortgages used worldwide, but several factors broadly define the characteristics of the mortgage. All of these may be subject to local regulation and legal requirements.
Interest: interest may be fixed for the life of the loan or variable, and change at certain pre-defined periods; the interest rate can also, of course, be higher or lower.
Term: mortgage loans generally have a maximum term, that is, the number of years after which an amortizing loan will be repaid. Some mortgage loans may have no amortization, or require full repayment of any remaining balance at a certain date, or even negative amortization.
Payment amount and frequency: the amount paid per period and the frequency of payments; in some cases, the amount paid per period may change or the borrower may have the option to increase or decrease the amount paid.
Prepayment: some types of mortgages may limit or restrict prepayment of all or a portion of the loan, or require payment of a penalty to the lender for prepayment.
The two basic types of amortized loans are the fixed rate mortgage (FRM) and adjustable rate mortgage (ARM) (also known as a floating rate or variable rate mortgage). In many countries, floating rate mortgages are the norm and will simply be referred to as mortgages; in the United States, fixed rate mortgages are typically considered "standard." Combinations of fixed and floating rate are also common, whereby a mortgage loan will have a fixed rate for some period, and vary after the end of that period.
Business Loans Information
Business loans are an important part of a company's survival. Money is essential to making companies grow and in making investments.
A key point of funding that many businesses take advantage of is personal savings. With personal savings there is no one to repay a debt to, so issues such as interest and monthly payments become moot. Consider it a personal-favor business loan. The obvious risk is that if your business does fail, it is your personal funding that is taking the hit.


Business Loan Org brings you vital information on the financial management of your business. There are a broad number of ways to acquiring the necessary funding, including the United States Small Business Administration (SBA). They provide numerous programs to help businesses in various situations.
While money is a large part of keeping a business intact, there are many other important aspects such as knowledge, experience, and organization. Keeping a business plan and following a schedule can be the differance between failure and success. When loaning your funds, take a second and think of how much you will need and why. The cost of borrowing money can be very high in the end. Some things to think about include:
How badly do you need the money? Will it be to startup or expand your business? Or is it just to ensure things go smoothly?
Are you in great risk if you don't receive the loan? Will your company fall without this boost in funding?
What state is your business currently in? Growing, stable, falling? Businesses that are not fairing as well will not have as good funding terms.
How capable is your leading management? Without a key focus on what you are willing to do with the money can lead to not getting a loan. Loaners are very keen on knowing what is going to be done with the money, and how you plan on repaying it.
We hope that the information we provide on this website helps you make an intelligent decision with regards to your business.
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.
The financial help a new full-time student can get depends on the course, where they live while they are studying, and their individual circumstances.
1. New Direct Loan Repayment Plans Are Now in Effect!
As a result of the Higher Education Reconciliation Act of 2005 (HERA), new repayment plans are available to the Direct Loan Program in free-worldwide-loan.
Beginning on September 10, 2007, Direct Loan borrowers will have the option to select one of the new repayment plans.
Highlights of the Changes:
General:
* The Direct Consolidation Loan Program continues to offer four standard repayment plans, and will continue to offer alternative repayment plans to borrowers who demonstrate that the terms of the available Direct Loan repayment plans do not adequately meet their needs.
* There is no change to the requirement that all of a borrower’s Direct Loans must be repaid under the same repayment plan, with the exception of when a borrower who is repaying other Direct Loans under the Income Contingent Repayment (ICR) plan also has a Direct PLUS Loan.
Repayment Plan Selection:
Effective September 10, 2007:
* Borrowers who were already in repayment prior to September 10, 2007, who consolidate all of their loans into a Direct Consolidation Loan on or after September 10, 2007 will select from the new repayment plans available.
* Borrowers who consolidate Direct PLUS Loans or Federal PLUS Loans into a Direct Consolidation Loan are no longer subject to credit checks.
* Any Direct Consolidation Loan made on or after July 1, 2006 may be repaid under the ICR Plan, even if the Direct Consolidation Loan paid off prior PLUS Loans. Borrowers with existing Direct PLUS Consolidation Loans that were made prior to July 1, 2006 remain ineligible for the ICR Plan.
* A Direct PLUS Loan or Federal PLUS Loan that is consolidated into a Direct Consolidation Loan now becomes part of a Direct Unsubsidized Consolidation Loan that may include other unsubsidized loans that are not PLUS Loans. There is no longer a separate Direct PLUS Consolidation Loan category.
* Federal Perkins Loans will now become part of a Direct Unsubsidized Consolidation Loan when it is consolidated into a Direct Consolidation Loan and therefore is subject to interest on the loan during all periods, including deferment periods.
Please visit our FAQs for more information regarding the new Direct Consolidation Loan Program repayment plans and select the plan that best suits your needs. Remember, although you are asked to choose a plan prior to entering repayment, under the Direct Loan Program, a borrower can change repayment plans at any time as long as the maximum repayment period under the new plan is longer than the time your Direct Loan(s) has already spent in repayment under another plan.

2. Joint Consolidation Loans for Married Borrowers Discontinued
Effective for applications received by the U.S. Department of Education’s Consolidation Department on or after July 1, 2006, married borrowers no longer may consolidate their education loans into a single new Direct Consolidation Loan.
3. Consolidation of In-School Status Loans Discontinued
Effective for applications received by the U.S. Department of Education’s Consolidation Department on or after July 1, 2006, loan in an in-school status cannot be included in borrowers’ Direct Consolidation Loans. Borrowers with in-school status loans can continue to consolidate loans that are in grace, repayment, deferment, forbearance, delinquent, and default statuses.
4. Rules Change for Reconsolidation of Existing Consolidation Loans
Effective July 1, 2006, borrowers can re-consolidate an existing consolidation loan into a Direct Consolidation Loan if:
* They include at least one other Direct Loan or Federal Family Education Loan (FFEL) Loan into their existing Direct Consolidation Loan, OR
* They include at least one other Direct Loan or FFEL Loan into their existing FFEL Consolidation Loan, OR
* They are trying to consolidate an FFEL Consolidation Loan that has been submitted to a guaranty agency for default aversion by the borrower’s loan holder.
5. New Consolidation Eligibility Rules for Borrowers with No Direct Loans
Effective upon enactment of H.R. 4939: Emergency Supplemental Appropriations Act for Defense, the Global War on Terror, and Hurricane Recovery, 2006 a borrower may consolidate into Direct Loans if the borrower includes at least one FFEL Loan and has been unable to obtain a Federal Consolidation Loan with a FFEL consolidation lender or has been unable to obtain a Federal Consolidation Loan with income-sensitive repayment terms.

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Scare your friends with fake Blue Screen of Death



The first one is about a screensaver that simulates the Blue Screen of Death (BSOD). You can download it for free and install in any PC to play a prank on your friends or family. The screensaver looks just like the real thing and it’s so realistic that it won’t disappear even after you move the mouse. In my first test, I was able to make it go away with a press of any button on the keyboard.

When you install the screensaver, you can set it up to display at a certain time and so play a little joke on your family members. Or if you have access to your friends’ computers, you can even install it there when they’re not looking. They will be very surprised :)

You can get the screensaver at this Microsoft Web site (http://technet.microsoft.com/en-us/sysinternals/bb897558.aspx). Once you install the small file, you only need to extract it from the zip file to your C:\windows\system32 folder. Then go to your Display Properties (in Control Panel) and click on the Screensaver tab. Next, choose the SysinternalBluescreen screensaver from the list and click on Apply. Also change the timer if you want.

Have fun!

Note: BSOD usually comes up when your PC crashes and it means that there is a serious error with your hardware or software.

How to capture, save, record or download streaming audio for free


Ever wonder how you could possibly record or rip a song that’s being streamed across the Internet onto your computer for free? Trying to download streaming audio directly to your computer can be quite difficult because different sites have different security measures put in place, so one program might work for one site, but not another.

However, one surefire way of recording streaming audio from any web site is to simply capture it via the sound card on your computer. Basically, there are programs that can record whatever is being played by your computer’s speakers, so if you can hear it, it can be recorded. Of course, you’ll have to listen to the entire song since the recording is live, but it’s definitely much easier than trying to download the file from the web site directly.

There are two programs that I use to capture and save streaming audio: one installs as a toolbar into Internet Explorer or FireFox and the other one is a standalone program.

If you don’t mind having another toolbar installed in your browser window, FreeCorder (http://freecorder.com/sound-recorder/)is a very convenient program to use if you’re going to be recording music that’s mostly played via the web, such as Internet radio, etc. Also, it has many other features that make it quite useful, such as the ability to extract audio from videos and record from your PC’s microphone or line-in port. It also supports Windows Vista and has absolutely no spyware or adware, so you don’t have to worry about pop-ups, etc. You can save the recordings out as MP3 or as WAV files.

Once you have it installed, click on the Settings button to configure the source for the sounds or music.

By default, the “Record From Freecorder Audio Driver” is selected and this will record anything that is being played through your speakers. If you have a Windows input device, such as a microphone, you can select the second or third option. However, remember to de-select the other options and only have one checkbox checked at a time, otherwise it creates a separate file for each source.

You can also change the output format to WAV, prompt for a filename or automatically timestamp it, and choose the location for the destination files. Now start playing some music on your computer and press the red Record button. A little box will pop up and you should see the green line moving up and down. The nice thing about this program is that you can have your laptop sound on Mute or have your speakers turned off and it will still record whatever is being played.

Click Stop when you’re finished and then click Play to view your recordings. And that’s it! A pretty easy and cool way to record any sound or music off the Internet or from your computer.

If you don’t like the idea of cluttering up your browser toolbar, you can use a standalone program called MP3MyMP3 Recorder,(http://www.mp3mymp3.com/mp3_my_mp3_recorder.html) which is also free. Like FreeCorder, this program also records whatever is being played by your computer’s speakers. However, unlike FreeCorder, this program requires that your sound NOT be muted. So if you want to record anything, it has to be playing and you have to be able to hear it yourself.

Also, by default, MP3MyMP3 tries to record from your microphone and not your sound card, so click on the Source button and choose Stereo Mix as the sound source. The recording quality for both of the products was very good and sounded just like the originals from what I could tell. Personally, I like FreeCorder better, but MP3MyMP3 is also a fine alternative.

Computer Tips And Tricks



Scroll Bar को साइज(Width)बढाउने वा घटाऊनलाई

१ Desktop मा Right क्लिक गर्नुस् र Properties मा क्लिक गर्नुस्
२ Appearance Tab मा क्लिक गर्नुस्
३ Advanced Tab मा क्लिक गर्नुस्
४ Item मा Scrollbar चुज गर्नुस्
५ अब Size बढाउने हो या घटाऊने हो Amount राख्नुस्
६ ok , ok

Desktop बाट Recycle Bin लाई हटाउन चाहनु हुन्छ भने
१ Start मा क्लिक गर्नुस् अनी Run मा क्लिक गरेर Regedit टाइप गर्नुस् र Enter थिच्नुस्
२ त्यसपछि HKEY_Local_Macine \ Software \ Microsoft \ Windows \ Current Version \ Explorer \ Desktop \ Namespace
३ Namespace को "+" मा क्लिक गर्नुस्
४ 645FF040-5081-101B-9F08-00AA002F954E मा क्लिक गर्नुस्
५ दाँया पट्टीको Default लाई डबल क्लिक गर्नुस् र Value Data को Recycle Bin लाई हटाइदिनुस्
६ आफ्नो कम्प्युटरलाई Re Boot गर्नुस् ।

तपाईं आफ्नो Folder लाई Invisible बनाउन चाहनु हुन्छ भने
१ कुन Folder लाई Invisible बनाउन चाहनु भएको हो त्यो Folder लाई Highlight गर्नुस्
२ Right माउस क्लिक गर्नुस् र Rename मा क्लिक गर्नुस्
३ Alt कि लाई थिची 0160 टाईप गर्नुस्
४ तपाईंको Folder को नाम हराइसकेको हुनेछ
५ अब उक्त Folder लाई Right क्लिक गर्नुस् , Prperties \ Customize \ Change Icon मा क्लिक गर्नुस् ६ त्यहा थुप्रै Icon हरुको लिस्ट छ , Scroll Bar लाई अली अली गरेर सार्दै जानुस् , त्यहा केही खाली ठाउँ देख्ननु हुन्छ त्यो खाली ठाउलाई क्लिक गर्नुस् र ok,ok गर्नुस्
७ तपाईंको Folder अब गाएब भयो । अब त्यो Folder लाई तपाईंले मात्र थाहा पाउने ठाउमा लगेर राख्न सक्नु हुन्छ ।
८ तपाईंले फेरी अर्को Folder लाई पनि यस्तै गर्न चाहनु भयो भने errorrenaming file or folder भन्ने मेसेज आउछ त्यसको लागि अर्को Folder लाई Rename गर्दा एक चोटि Space बार थिचेर अनी Alt कि थिचेर 0160 राख्दा हुन्छ । यसै गरी अरु Folder हरु पनि यस्तै गरी बनाउन सक्नु हुन्छ ।

Task bar लाई Auto Hide कसरी गराउने
१ Task bar को खाली ठाउमा Right क्लिक गर्नुस्
२ Properties मा क्लिक गर्नुस्
३ AutoHide मा टिक मार्क लगाइदिनुस्
४ ok गर्नुस्

My Computer बाट Manage लाई Hide गर्न चाहनु हुन्छ भने
१ Start \ Run \ Regedit खोल्नुस्
२ अब HKEY_CURRENT_USER / Software / Microsoft / Windows / CurrentVersion / Policies / Explorer
३ अब दाँया पट्टी खाली ठाउमा Right क्लिक गर्नुस् र New Dword Value मा क्लिक गर्नुस् । नाम राख्नुस् NoManageMyComputerVerb
४ Value Data लाई 1 राखी दिनुस्
५ computer लाई Reboot गर्नुस्

कम्प्युटरलाई Shutdown गर्ने Shortcut बनाउन चाहनु हुन्छ भने
१ Desktop मा Right माउस क्लिक गर्नुस्
२ New \ Shortcut
३ नाम राख्नुस् rundll32.exe वा PowrProf.dll वा SetSuspendState यि तीन मध्य कुनै पनि एक नाम राख्नुस्
४ अब तपाईंले बनाउनु भएको यो Shortcut लाई तपाईंले क्लिक गर्नु भयो भने तपाईंको कम्प्युटर आँफै Shutdown हुनेछ

Task Manager लाई Enable या Disable गर्ने
१ Start \ Run \ Regedit
२ Regedit भित्र HKEY_CURRENT_USER\Software\Microsoft\Windows\CurrentVersion\Policies\System
३ दाँया भागमा Right क्लिक गरेर New DwordValue बनाउनुस् र नाम राख्नुस् DisableTaskMgr
४ Task Manager Enable गर्नको लागि Value लाई 0 राखी दिनुस्
५ Disable गर्न को लागि Value 1 राख्नुस्

Desktop Cleanup Wizard लाई कन्ट्रोल गर्ने
Default मा Desktop Cleanup Wizard को पप अप हरेक ६० दिन पछि तपाईंको Desktop मा आउने गर्छ , यसलाई हटाउन चाहनु हुन्छ भने
१ Desktop मा Right क्लिक गर्नुस्
२ Properites मा जानुस्
३ Desktop Tab मा क्लिक गर्नुस्
४ Customize Desktop Button मा क्लिक गर्नुस्
५ Desktop Cleanup Wizard मा भएको टिक मार्कलाई हटाइदिनुस्

Internet Explorer बाट File Menu लाई लुकाउन चाहनु हुन्छ भन
१ Start \ Run \ Regedit
२ HKEY_CURRENT_USER\Software\Microsoft\Windows\CurrentVersion\Policies\Explorer
३ दाँया भागको खाली ठाउमा Right क्लिक गरी New Binary Value मा क्लिक गर्नुस् र नाम राखी दिनुस् NoFileMenu
४ Value लाई 01 00 00 00 राखी दिनुस्
५ कम्प्युटरलाई Reboot गर्नुस्

अनौठा अनी Funny USB Drive हरु

USB Drive हरु भनेको आजभोली सबैले प्रयोग गर्ने Gadget हो तर USB Drive हरु पनि कस्ता कस्ता हुन्छन एक चोटि हेर्नुहोस् त ।

---------------आउ अब भिडौँ------------------
हिजो सुगौली दुखेथ्यो आज सुस्ता दुख्यो एक दिन होईन यहाँ पुस्तौं पुस्ता दुख्यो
छिमेकीलाई राख्नु पर्ने मान राख्दाराख्दैनाता तोडेर जब्बरजस्ती घुस्दा दुख्यो
म त जवान थिएँ एक मुक्का केही भएनकठै ! आमाको चोक्टालाम्टा लुछ्दा दुख्यो
काट्दा घाउ भए त के भो पक्कै पुरिन्छ परन्तु बग्या रगत तनतनी चुस्दा दुख्यो
हतपत्ती केही कुराले नछुने इन्द्र को मनबल्ल नेपाल आमाले आँशु पुछ्दा दुख्यो ।
बारीको कान्लो मिचियोकेहि बोलीनसोचेँछिमेकी हो गार्हो सार्हो पर्दा काम लागेको छ खेतको आली मिचियो केहि बोलीनपछाडी फर्किएँ गाउँले हो मर्दा पर्दा काम लागेको छ यस पाली त सिमानामा देशै मिचिएको छ ईतिहास पल्टाएँन मर्दा काम लागेको छ न पर्दा काम लागेको छ मेरो देशको छातीमा कुल्चीने सामू अहिले त मलाई मेरो खीया लागेको खुकुरी उधाउने रहर जागेको छ (nepalimnodel@hotmail.com)

SOME BEAUTIFUL QUOTES!!!!
"Life is either a daring adventure, or nothing."
"Each of us must be the change we want to see in the world."
"A life is only as important as the effect it has on other lives."
"If you want to lift yourself up, lift up someone else."
"Friends are the angels who lift us to our feet when our wings have trouble remembering how to fly."
"Imagination is more important than knowledge."
"There is creative vision in each of us, but sometime it's hard to get that creative part started."
"There are no secrets to success. It is the result of preparation, hard work, and learning from failure."
"The closer one gets to the top, the more one finds there is no top."
"In order to succeed you must fail, so that you know what not to do the next time."
"Only those who dare to fail greatly can ever achieve greatly."
"Failure is success if we learn from it."
"In order to succeed, your desire for success should be greater than your fear of failure."
"Excuses are the nails used to build a house of failure."
"Failure is only the opportunity to begin again more intelligently."
"You don't get paid for the hour. You get paid for the value you bring to the hour."
"I do not pray for a lighter load, but for a stronger back."
"Success is the good fortune that comes from aspiration, desperation, perspiration and inspiration."
"If you do not hope, you will not find what is beyond your hopes."
"A mind, once stretched by a new idea, never regains its original dimensions."
"What you can do, or dream you can do, begin it. Boldness has genius, power and magic in it."
"Wisdom is knowing what to do next; skill is knowing how to do it, and virtue is doing it."
"Never doubt the power of a small group of committed people to change the world. That's about the only way it has ever happened in the past."
"We are the music makers. We are the dreamers of the dreams."
"We are as gods, so we might as well get good at it."
"I was hungry and you gave me food; I was thirsty and you gave me drink; I was a stranger and you took me in; I was naked and you clothed me; I was sick and you visited me; I was in prison and you came to me. I thirsted for knowledge, and you gave me an opportunity to learn." Jesus.
"In every idea a multitude of new ideas is lying dormant."
"The earliest you can start any project is now."


Homemade Skin Whitener
While people claim that beauty lies in the eyes of the beholder, you would not meet many, who are thoroughly satisfied with themselves. Traditionally, women have been the target audience for beauty product manufactures. However, in the contemporary times, men are equally concerned about their looks and appearance. Talking about beauty, skin tone and color tops the ‘concern’ list. Even after thousands of assertions, the wish to have a lighter skin tone (How I wish I had a skin like her/ him – so fair, so nice, so beautiful) still remains etched in the minds of people, by large. This is where commercialism comes into play.


Starting from the local brands to the international ones, you are likely to find at least one skin whitening product in the range. However, the question is - do these products really work and whiten the skin tone? The answer is best not discussed. The products bought from the market are usually injected with harmful chemicals that make the skin worse, forget about the claims of whitening it. So, the best bet would be to indulge in homemade products. Not only are they chemical free, but also make the skin look brighter and appealing. In the following lines, we have provided effective homemade skin whitener.
Home Remedies for Skin Whitening

Orange Pack
Oranges are valuable ingredients that help in the skin whitening process. For this, collect some orange peels and dry them out in the sunlight. Once fully dried, grind them to make a fine powder. Now, add a few drops of milk to this powder, to making a fine paste. Apply this paste on the face and wait until it dries. Thereafter, wash off your face using lukewarm water.

Sandal Facial Skin Bleach
Sandalwood powder not only lightens the skin tone, but also helps acquire an even texture and complexion. For this, you need to take small amount of sandalwood powder. Add to this, a few drops of lemon juice, cucumber juice and tomato juice. Mix all the ingredients properly, to make a fine paste. Now, apply this paste on the skin and leave it, until it gets fully dried. Rinse off the face using warm water.
Gram Flour Facial Skin Bleach
Take about 2 spoons of full gram flour and add to this, a pinch of turmeric powder and a few drops each of milk cream and lemon juice. Mix all the ingredients to make a fine paste and spread it evenly on the skin. Leave it for about 10 to 15 minutes. Once dried, scrub it off and later rinse your face with warm water. It would have beneficial effects on the skin.

Milk Powder Pack
Did you know that that milk powder, which you use for making tea and coffee, has beneficial effects on your skin? Take a small bowl and mix a tsp each of milk powder, lemon juice and honey. Add to this half a tsp of almond oil. Apply this mixture on the face and wash it off after about 10 minutes. Apart from whitening the skin, it would also bring a shine on the face.

Almonds & Honey
Almonds, when mixed with honey and applied as a paste, have beneficiary effects on the skin. They not only lighten the skin tone of the face, but also add shine to it. For this, you need to soak almonds overnight. The next morning, peel them and grind them, to make a fine paste. Now, add honey to it and apply it on the face. Once dried, scrub it off. It would leave the skin whiter and glowing.

Others
A combination of yoghurt and orange is found to be beneficial in treating skin darkness and dullness. Mix equal parts of yogurt and orange juice and apply on the face. Rinse off after about 15 minutes.
Honey and lemon juice have been deemed as an ideal face whitening combo for long. For this, you need to combine equal parts of honey and lemon. Apply it on the face and after about 15 minutes, rinse it off.
Cucumber and lemon juice, when mixed together, act favorably as a skin whitening product. Mix cucumber juice and lemon juice in equal parts andapply it on the face. Rinse off after about 15 minutes.
Potatoes are natural bleaching agent. Apply potato juice on to the face and leave it on for about 15 minutes. Rinse it off using warm water. Potatoes not only whiten the skin, but also reduce pigmentation and blemishes.
A mixture of oatmeal with curd and tomato juice works well as homemade skin whitening product. Apply this mixture on the face and leave it for about 20 minutes. Thereafter, wash it off using cold water. It helps remove tanning and lightens the skin.



10 Best Sites to Create Your Own Free Ringtones
के तपाईं कुनै mp3 गीतको फाइललाई ringtone बनाउन चाहनु हुन्छ ? यस्ता धेरै कारणहरु छन जसको लागि मानिसहरु फरक फरक ringtone प्रयोग गर्छन् जस्तै : विभिन्न callers के बीचमा अन्तर थाहा पाउन, म्युजिकको enjoy गर्न, वा रमाइलोको लागि । फरक फरक मोबाईल फोनमा फरक फरक फरम्याटका ringtone हरु प्रयोग हुन्छन । त्यसैले तपाईंलाई यो थाहा पाउन जरुरी छ कि तपाईंको मोबाईलमा कुन फरम्याटका ringtone ले support गर्छ र तपाईंलाई जानकारी भई सके पछि तपाईंले त्यही फरम्याटमा आफ्नो mp3 गीतहरुको फाइललाई तल उल्लेखित केही साईटहरुको मद्घतले चेन्ज गरेर आफ्नो मोबाईलमा use गर्न सक्नु हुन्छ ।
Some Best Sites to Create Your Own Free Ringtones !!!
1. 1Zedge – This site enables you to upload your own mp3 music and create unique free ringtones on the fly. You can also download free ringtones of popular and latest songs.
2. Audiko – It allows you upload a song directly from your PC or a URL and then clip the part of the song you want to set as a ringtone. You can download the ringtone as an mp3, .amr or for iPhone. You can even put the ringtones on your blog and share with friends.
3. Mp3mer – Here you will find a marker tool to set range and ringtone duration. Mp3mer enables you to change the sound quality and filters if needed. Other effects which can be added to the ringtone include fade in/out, bass, treble, chorus, echo etc.
4. Mobicious – Choose any 20 seconds of your MP3 file to make it into a ringtone and send it to your mobile.
5. Mobiles24 – This site allows you to create and download latest and top ringtones. ‘Request your name ringtone’ feature is also available here.
6. MakeOwnRingtone – The unique feature of this web application is that it offers a wide range of uploadable formats like MMF, AAC, MP3, MP4, QCP, OGG. The created ringtone can be either sent to your mobile or as an mail.
7. Cellsea – This site enables you to upload a file that you want to create as ringtone and then you can choose the start/end time, sound quality, length etc. Supported file formats are mp3, mp4, m4A, flv, midi, aac, ogg, wav, aiff, wma etc.
8. Playscreen – You can create your own original ringtones here and sell ringtones o earn some bucks.
9. MyxerTones – The site provides with ringtones of various categories like alerts and alarms, rock, jazz, popular artists, comedy etc. It allows you easily customize the ringtone and send it to a phone. You can also download ringtones to your iPhone.
10. ToneBee – This site enables you to create a ringtone in just 3 simple steps. Upload your mp3 file, create a ringtone and download it to your phone.

Best Ideas That a AdSense User Have to Know And Follow!!

Tips No 1:
I think, you learn all the AdSense program policies, terms and policies and keep yourself up to date by joining and posting forum or group posts of AdSense. Now, the last thing you should know and follow is quite hard at the first time to you. But this is really very simple and easy. It's the website optimization. Many people says that optimization techniques are very hard to apply and understand. But I think so. Optimization includes both placing the AdSense ads and using the high paying keywords to your web-pages.If you use blog or if you have your own website then place Google ads at the starting of your page content after the main header of your site. You may use the format of this page. Look this page places ads before and after the title of this page. This is really an eye catching position to attract visitors. Moreover, in the right sidebar there is another ad block. That is also a nice placement of ads also. Try to find in this way to place your ad's position.

TIPS 2 :
The best earning way is the Google AdSense for every publisher. You can earn money easily by displaying Google AdSense ads to your website or blog. Also, there are other AdSense companies but Google AdSense is the best among all. It's the way to earn money form home. So, it's the online money earning game. You can easily earn extra cash form home by doing a little work. You can learn more by reading Google Adsense : Start Earning Money Using Google Adsense. This page only tells your the most and mandatory 3 tips that an AdSense User have to know and follow. These tips are really important and you should have to follow strictly if you want to earn much money from home.
TIPS 3:
As a AdSense user, you must have to know the terms and policy of Google AdSense. There are several policies to earn legally and much by using AdSense. All AdSense user must have to know before using it. For example, you can't use Google AdSense code to the pages which is copied form others or if your website is adult materials relate. Moreover, you can't click your own ads etc. All these things sre mentioned in Google AdSense terms and conditions page. Before using AdSense and earning much money, you must have to learn and follow AdSense program policy and terms and conditions. If you don't do then one day you may ban from Google AdSense.

कम्प्युटर समस्या र समाधान

अब फेरी केही कम्प्युटर सम्बन्धी कुरा गरौ । हाम्रो कम्प्युटरमा प्राय जसो आई पर्ने समस्याहरु बारे केही चर्चा र त्यो समस्याहरु समाधान गर्ने उपाय बारे केही लेखन गई रहेको छु , आशा छ तपाईंहरुलाई यो अबस्य पनि लाभदायक हुनेछ ।

१. Hidden फाइल नदेखिनु

कहिले काँही कुनै Virus वा द्वेषपूर्ण Script हरुको कारण तपाईंले Hidden Mode मा राख्नु भएको फाइल वा फोल्डर तपाईंले पछि " Show Hidden file and folder " ( Tools > Folder Options > View Menu > Hidden files and folders ) गर्दा पनि नदेखिन सक्छ । शायद तपाईंहरुले पनि यो समस्या भोग्नु भएको नै होला ।

यो समस्या समाधान गर्न
१ Start > Run र Regedit टाईप गरेर Enter गर्नुस् ।
२ त्यसपछि यो location सम्म जानुस् HKEY_LOCAL_MACHINE\SOFTWARE\Microsoft\Windows\CurrentVersion\Explorer\Advanced\Folder\Hidden\SHOWALL
३ CheckedValue कि मा Double क्लिक गर्नुस्
४ र त्यहाँ Value Data लाई 1 राखिदिनुस् ।

बस तपाईंको काम सकियो ।

२. Drive लाई डबल क्लिक गर्दा New Window मा खोलिनु

कहिले काहिँ तपाईंले कुनै Drive लाई Double क्लिक गरेर खोल्न खोज्दा उक्त Drive त्यही window मा नखुलेर Automatically अर्कै Window मा खोलिन्छ । हामीलाई थाहा छ यो अबस्य पनि राम्रो लक्षण होइन किन भने उक्त Drive normal mode मा same window मा खोलिनु पर्थ्यो । यदी तपाईंले File मेनु को Tools मा गएर Folder Option लाई change गर्नु भएको भए अर्कै कुरा ..
किन Drive नयाँ window मा खोलिन्छ त ? यहाँ अबस्य पनि Virus अथवा अरु कुनै समस्या आएर नै हो

यसलाई समाधान गर्ने तरिका
पहिलो उपाय :१ Start > Run > र यहाँ regsvr32 /i shell32.dll टाईप गर्नुस्
२ ok गर्नुस् ।
३ तपाईंले यो message पाउनु हुन्छ
DllRegisterServer and DllInstall in shell32.dll succeeded
४ बस तपाईंको समस्या अब समाधान भयो

दोस्रो उपाय :
१ Start > Run > Regedit टाईप गर्नुस् र ओके गर्नुस् ।
२ अब HKEY_CLASSES_ROOT/Directory/Shell मा जानुस्
३ Default key लाई double क्लिक गर्नुस् र त्यहा none टाईप गर्नुस्
४ अब HKEY_CLASSES_ROOT/Drive/Shell मा जानुस्
५ Default key लाई double क्लिक गर्नुस् र त्यहा none टाईप गर्नुस्
६ ok गर्नुस् ।

तेस्रो उपाय :

यदी तपाईं regedit option चलाऊन चाहनु हुन्न भने यो उपाय गर्न सक्नु हुन्छ ।
१ Start > Run > र यो टाईप गर्नुस् reg add hkcr\drive\shell /ve /d none /f
२ ok गर्नुस् ।

आशा छ यि तीन उपाय तपाईंको लागि समाधान हुन सक्छ ।

३. आफ्नो कम्प्युटरलाई Virus हरुबाट Autorun Disable गरेर जोगाउने तरिका

धेरै Virus हरु कम्प्युटरमा सर्ने कारण तपाईंको कम्प्युटरमा कुनै CD वा pendrive राख्ने बित्तिकै Autorun हुनाले हो र यो Autoplay enable window को difault set भएर पनि हो ।
Autorun लाई Disable गर्ने तरिका :

१ Start > Run > regedit टाईप गर्नुस् र ओके
२ अब HKEY_CURRENT_USER\Software\ Microsoft\Windows\CurrentVersion\Policies\Explorer मा जानुस्
३ NoDriveAutorun मा double क्लिक गर्नुस् र Hexadecimal मा Value "FF" वा Decimal मा Value 255 टाईप गर्नुस् ।
Note: यदी त्यहाँ NoDriveAutorun भन्ने कि छैन भने दाँया तिर right क्लिक गरेर new dword value मा क्लिक गरेर NoDriveAutorun टाईप गरेर Enter गर्नुस्
५ Registry window लाई exit गर्नुस् र कम्प्युटर लाई restart गर्नुस्

यो तरिका बाट तपाईंले Autorun लाई Disable गरेर Virus infected USB pendrive वा CD लाई Autorun हुन बाट रोक्न सक्नु हुन्छ र autorun.inf virus लाई Run हुन बाट जोगाउन सक्नु हुन्छ ।

४. "Show Desktop" Icon लाई कसरी Restore गर्ने ?

कहिले काहीँ गल्तीले तपाईंले "Show Desktop" Icon लाई shift+Delete गर्नु भयो यो सोचेर कि यो मात्र Shortcut हो । तर वास्तवमा त्यो नै orginal icon रहेछ भने के गर्नु हुन्छ ?
ShowDesktop Icon अरु Icon हरु भन्दा फरक हुन्छ र सामान्यतया यो Icon लाई फेरी Restore गर्न सकिदैन । यस्तो अवस्थामा तपाईंले यो तरिका अपनाउन सक्नु हुन्छ ।
१ Notepad लाई खोल्नुस् र तल लेखिएको code लाई कपि गरेर paste गर्नुस् ।
[Shell]
Command=2
IconFile=explorer.exe,3
[Taskbar]
Command=ToggleDesktop

२ अब फाइलको नाम ShowDesktop.scf राखी यो location मा लगेर save गरिदिनुस् ..
C:\Document and Settings\Username\Application Data\Microsoft\Internet Explorer\Quick Launch
३ कम्प्युटरलाई restart गर्नुस् ।

..

Nepalies model are really sexy,hot,glamore,beautiful,pretty,So there is no doubt that are good among the best then of other coubtry.Actress in Nepal are very beautiful and cute.i believe this is because, Nepal and India are 2 countries which are very near and due to migrations the culture and women in these countries are also similar and very sexy and to say Nepal Actress and Models are very hot and more sexy than Indians. So i leave it to you all to decide and so i have left up a few photos of these Sexy Nepali Model Girls and Nepal Women that you will certainly Love To See. Nepal is one of the most beautiful mountainous countries in the world but billions of People from the globe still don’t know Nepal’s political and geographical situation. Some of them are in confusion that whether it is an independent nation or a part of some country.The fashion in Nepal is very much popular in the whole Asia. Infact, wherever Nepalese citizen goes as a educational purpose or for some other purposes, people starts staring at them because of their taste of style. So never miss these beauties as they are very rare to find..

How to make romantic relationship with hot girls!!!!!
Introduce yourself to her. Since she's new, she probably doesn't know very many people. Just the simple act of introducing yourself can really make an impact on her.Approach her confidently, greet her, and tell her your name.Ask her how she is coming along in your school and if she needs any help adjusting.Make casual conversations whenever you see her. She may already have friends she talks to, but that doesn't mean she couldn't use one more. If you sit by her in a class, pass her in the halls, or wherever else you may see her and and have the opportunity to talk with her, do so. Make jokes (in good taste), ask questions, and tell interesting stories. Just get a conversation going and see where it leads.Make sure she has the right friends to talk to otherwise they will tell you all the weird or embarassing things you did earlier.Give her your phone number or ask for hers. Be casual about it. Tell her to text you sometime. If she gives you hers, text her later in the evening (not as soon as you get home) to give her your number. Every once in a while, text her to ask what's up and get a conversation going.Ask her out somewhere. You can either do this in person or on the phone, whichever you think would be easier for you. Invite along a couple mutual friends, or several of yours and ask her to invite several of hers, to make it less awkward. Make sure she knows if it is a date or not.Continue to hang out with her. Slowly, your friendship will continue to build. It could end up as a romantic relationship, or just really good friends.


कत्ति झुट बोल्न सक्या भन्या

-अनमिनको आंखामा छारो हालेर २० हजारलाइ प्रमाणिकरण गराउन सफल भएकोमा दम्भ देखाएका प्रचन्डले कार्यक्रममा लाजै पचाएर हामीसंग एक लाख सेना छ भनेर सफेद झुट बोल्दा सबै ट्वा परे ।


टेपकान्डवाट रन्थनिएका कामचलाउ प्रधानमन्त्री प्रचन्डले आज पत्रकार सम्मेलन गरेर टेपकान्ड चुनाव अगाडिको रणनीति मात्र रहेको र अहिले आफुहरु परिर्वतन भइसकेको दावी गरेछन । उनले जनसेनाकामाझ भनिएका कुरा अहिलेको वर्तमान शन्र्दभमा नमिल्ने दावी गर्दै भ्रममा नपर्न भन्दै अरुलाइ भ्रममा पार्ने अथक प्रयास गरेछन ।
जनयुद्ध कालमा आफुले त्यो भन्दा पनि उत्तेजक भाषणहरु गरेको रेकर्ड रहेको दावी गर्दै प्रचन्डले संविधान सभा र शान्ती प्रकृयामा आफुहरु इमान्दार रहेको दावी गरेछन । त्यसमा थप आफ्नो गल्तीको दोष अरुको टाउकोमा थोपरेझै उनले टेप सार्वजनिक गर्नेहरु सैनिक सर्वसत्ताबादको पक्षधर रहेको आरोप लगाएर आफुचांही पानी माथिको ओभानो पो बन्न खोजे ।
जम्मा सात/आठ हजार सेना रहेको र अनमिनको आंखामा छारो हालेर २० हजारलाइ प्रमाणिकरण गराउन सफल भएकोमा दम्भ देखाएका प्रचन्डले कार्यक्रममा लाजै पचाएर हामीसंग एक लाख सेना छ भनेर सफेद झुट बोल्दा सबै ट्वा परे । उनले आज धेरै पक्षमा झुट बोलेर विश्वका उत्कृष्ठ झुटा र छलीहरुको चयनको प्रकृया हुने हो भने त्यो पद उनैले पाउने गरी बोलेछन ।
उनले त्यो भिडियोले माओवादीलाइ कुनै फरक नपर्ने दावी गरे । पत्रकार सम्मेलन आयोजना गर्नुको मुख्य उद्धेश्य नै टेपकान्ड थियो । त्यसैले देखाइरहेको थियो त्यो टेप प्रकरणपछि माओवादी कत्तिको विचलीत भएको छ भन्ने

Draw an image

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WWW.NEPALIMODEL.TK --- Nepali model Gallery,Nepali fashion,Nepali Best web site हैन, संसार भरि नै मोडेलस् को निकै बिकास भएको छ, तर हाम्रो नेपाल म चाँही एक कदम अगाडि बदेछ । ।हेर्नुस् न यो SITE बहादुरि को नमुना होएन र ? किन ब्रा म आएको होला, नाङै आएको भएको भय भैहल्थियो नी .
Sure there are 10000 of bra companies in NEpal that models work for, but I hardly come across such models that make me NOT wanna buy the bra like this girl hehe... On a serious note, I don't think the model is working for any bra company.... well, even if she is, i bet she's working for its rival company and by posing in that particular bra, she is only trying to scare this company's potential customers away... Well done girl!!!:-)
565db7f635412d4d6685fedf3519888
गीत download गर्दा Download गर्न चाहनु भएको गीतमा Right Click गर्नुहोस् र Save Target As गर्नुहोस् free counters

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