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Student Loan Consolidation

Consolidation Loans combine several student or parent loans in to six bigger loan from a single lender, which is then used to pay off the balances on the other loans. it is very similar to refinancing a mortgage. Consolidation loans are obtainable for most federal loans, including FFELP (Stafford, PLUS & SLS), FISL, Perkins, Health Professional Student Loans, NSL, HEAL, Guaranteed Student Loans & Direct loans. Some lenders offer private consolidation loans for private education loans as well.







Most FFELP lenders are no longer offering consolidation loans because these loans are no longer profitable. Students can still consolidate their loans with the US Department of Education's Federal Direct Loan Consolidation program at loanconsolidation.ed.gov even if their college does not participate in the Direct Loan Program.

A separate page provides a comparison chart of consolidation loan discounts.

The interest rate on a consolidation loan is the weighted average of the interest rates on the loans being consolidated, rounded up to the nearest 1/8 of a percent & capped at 8.25%.

Interest Rates

If the borrower has a mix of loans with different interest rates, the weighted average will be somewhere in between. For example, if the borrower has $5,000 of Perkins Loans (at 5.0%) & $10,000 of unsubsidized Stafford Loans (at 6.8%), the weighted average is

For example, suppose a student has unsubsidized Stafford Loans originated on or after July 1, 2006. These loans have a fixed interest rate of 6.8%. When they are consolidated by themselves, the consolidation loan will have an interest rate of 6 & 7/8ths of a percent, or 6.875%. So the interest rate increases only slightly.

This weighted average, 6.2%, is then rounded up to the nearest 1/8th of a percent, yielding a consolidation loan interest rate of 6.25%.


$5,000 * 5.0% + $10,000 * 6.8%
------------------------------ = 6.2%
$5,000 + $10,000

Note that the weighted average does not fundamentally adjust the underlying cost of the loan. It preserves the cost structure by including each interest rate to the extent that it applies to part of the overall loan balance. For example, the consolidation loan in the previous paragraph says that of the $15,000 consolidation loan balance, $5,000 will be at 5.0% & $10,000 at 6.8%, yielding an equivalent interest rate of 6.2%.

If you're consolidating loans with different interest rates, the weighted average interest rate will always be in between. Don't be fooled if somebody tries to suggest that this will save you money by getting you a lower interest rate. The interest rate may be lower than the highest of your interest rates, but it is also higher than the lowest of your interest rates. More importantly, the amount of interest you pay over the lifetime of the loan will be about the same.

The PLUS loan interest rate loophole can reduce the interest rate on 8.5% fixed rate PLUS loans by 0.25% through consolidation.

(For the mathematically inclined, there is a slight difference due to the different shapes of amortization curves at each interest rate. In the example given above on a 10 year term, $10,000 at 6.8% has a monthly payment of $115.08 & total interest paid of $3,809.66, $5,000 at 5.0% has a monthly payment of $53.03 & total interest paid of $1,364.03. If you add these, you receive a total monthly payment of $168.11 also a total interest paid of $5,173.69. Using the weighted average, $15,000 at 6.2% has a monthly payment of $168.04 also a total interest paid of $5,165.01. So using a weighted average yields a very small reduction in the monthly payment (in this case, 7 cents) & in the total interest paid ($8.68) due to a kind of triangle law. Of coursework, when you consolidate the interest rate is rounded up to the nearest 1/8th of a point, so $15,000 at 6.25% has monthly payments of $168.42 & total interest of $5,210.42, yielding a slight increase. So you pay a tiny bit of a premium for consolidation, due to the rounding up of the interest rate.

If you were deferring the interest on an unsubsidized Stafford Loan by capitalizing it, most lenders will add the capitalized interest to principal when you consolidate. (Lenders can capitalize interest at most quarterly, but most capitalize it two times when the loans enter repayment or at other loan status changes.)

No Cost to Consolidate

Under no circumstances pay a fee in advance to receive a federal education loan or consolidate your federal education loans. there's no fees to consolidate your loans. While other federal education loans, such as the Stafford & PLUS loans, may charge some fees, the fees are always deducted from the disbursement check. There is never an up front fee. If somebody wants you to pay an up front fee, chances are that it is an example of an advance fee loan scam.

Aside from a slight increase in the interest rate on the consolidation loan, there is no cost to consolidate your loans. there's no fees to consolidate.

Both student & parent borrowers can consolidate their education loans. (Students & parents cannot combine their loans through consolidation, since only loans from the same borrower can be consolidated. But they can consolidate their loans separately.)

Who Can Consolidate

Married students are no longer able to consolidate their loans together. This provision was repealed effective July 1, 2006. When married students consolidated their loans together, each spouse became responsible for the full amount of the loan, & the loans couldn't be separated if the couple got divorced. To avoid such problems in the future, Congress decided to repeal this provision as part of the Higher Education Reconciliation Act of 2005.

Students can only consolidate their education loans during the grace period or after the loans enter repayment. (Loans that are in default but with satisfactory repayment arrangements may also be consolidated.) Students can no longer consolidate while they are still in school. (The early repayment status loophole & the ability of Direct Loan borrowers to consolidate during the in-school period was repealed as part of the Higher Education Reconciliation Act of 2005, effective July 1, 2006.)

Parents, however, can consolidate PLUS loans at any time.

You Can Consolidate with Any Lender

Most lenders need a maximum balance before they will consolidate your loans. For example, lots of lenders will only offer consolidation loans for borrowers with loan balances of at least $7,500. A few lenders will offer consolidation loans for balances of $5,000 or more, & the Federal Direct Consolidation Loan program has no maximum balance for consolidation loans. (Lenders may not discriminate against borrowers who seek consolidation loans on the basis of number/type of student loans, type/category of educational institution, the interest rate on the loans, or the type of repayment schedule sought by the borrower. Lenders are, however, able to discriminate on the basis of the amount of the loans being consolidated, so lenders can set a maximum balance on the loans.)

Students & parents can consolidate their loans with any lender, even if all of their loans are with a single lender. (The single holder rule was repealed on June 15, 2006, as part of the Emergency Supplemental Appropriations Act of 2006. Borrowers no longer need to exploit the single holder rule loopholes in order to consolidate with any lender.) Direct Loans can also be consolidated with any lender. This allows you to shop around for a lender that offers a lower rate or better discounts.

Which Loans Can be Consolidated?

Any federal education loan can be consolidated. You can even consolidate a single loan. there's, however, a few restrictions on consolidating a consolidation loan.

You can consolidate a consolidation loan only two times. In order to reconsolidate an existing consolidation loan, you must add loans that were not previously consolidated to the consolidation loan. You can also consolidate six consolidation loans together. But you cannot consolidate a single consolidation loan by itself. These restrictions have been in effect since early 2006.

Note that when you reconsolidate a consolidation loan, it does not relock the rates on the consolidation loan. The consolidation loan is treated as a fixed rate loan within the weighted average interest rate formula used to calculate the interest rate on the new consolidation loan. Consolidation does not pierce the veil on previous consolidations.

The new restrictions on consolidating a consolidation loan limit your ability to use consolidation to switch lenders. Generally, you will consolidate your loans two times, toward the end of the grace period or after the loans enter repayment, & then be locked in to that lender for the lifetime of the loan. If you require to preserve your ability to use consolidation in the future to switch lenders, you should exclude six of your loans from the consolidation.

Repayment Plans

Consolidation loans provide access to several alternate repayment designs besides standard ten-year repayment. These include extended repayment, graduated repayment, income contingent repayment (Direct Loans only) & income sensitive repayment (FFEL only). If you do not specify the repayment terms, you will get standard ten-year repayment.

Consolidation loans often reduce the size of the monthly payment by extending the term of the loan beyond the 10-year repayment plan that's standard with federal loans. Depending on the loan amount, the term of the loan can be extended from 12 to 30 years. The reduced monthly payment may make the loan easier to repay for some borrowers. However, by extending the term of a loan the total amount of interest paid over the lifetime of the loan is increased.

You do not need to pick an alternate repayment plan. they recommend sticking with standard ten-year repayment, because it will save you money. The alternate repayment designs may have lower monthly payments, but this increases the term of the loan & the total interest paid over the lifetime of the loan. See our caveat about extended repayment below.

In certain circumstances (for example, when six or more of the loans was being repaid in less than 10 years because of maximum payment requirements), a consolidation loan may decrease the monthly payment without extending the overall loan term beyond 10 years. In effect, the shorter-term loan is being extended to 10 years. The total amount of interest paid will increase unless you continue to make the same monthly payment as before, in which case the total amount of interest paid will decrease.

Repayment on a consolidation loan will begin within 60 days of disbursement of the loan, unless the borrower qualifies for an deferment or forbearance.

Federal education loans, including consolidation loans, do not have a prepayment penalty. So you can pay off all or part of your federal education loans without incurring a penalty. If you require to take advantage of this, be sure to include a letter with the extra payment indicating that it should be applied to reducing your principal. Otherwise, the lender may treat it as an advance payment of the next month's monthly payment.

Tools for Evaluating Consolidation Options

FinAid's Loan Consolidation Calculator can help you understand the tradeoffs of consolidating your loans. It compares the reduction in the monthly loan payment with the increase in the total interest paid over the lifetime of the loan. It also shows you the interest rate on your consolidation loan.

Before consolidating, always evaluate the benefits provided by the current holder of your loans. The loan discounts offered by originating lenders tend to be superior to those offered by consolidating lenders, since consolidation loans have tighter margins. Also, if you received a fee waiver or rebate from the originating lender, you may have to repay that discount if you consolidate with another lender. It may be possible to get some of the benefits of alternate repayment designs without consolidating, such as extended/graduated repayment with a loan term of up to 25 years also a single monthly payment, if you have over $30,000 in federal education loan debt accumulated since October 7, 1998 with the lender. (This is due to a little known provision of the Higher Education Act, in section 428(b)(9)(A)(iv), & the regulations at 34 CFR 682.209(a)(6)(ix).)

Despite the switch to fixed interest rates on Stafford & PLUS loans eliminating a key financial incentive to consolidate, there's still several reasons to consolidate your education loans. These include having a single monthly payment, access to alternate repayment designs, the PLUS loan interest rate loophole, & the ability to reset the 3-year clock on deferments & forbearances. But consolidation can cut short the grace period, although the grace period loophole can work around this problem. it is best to avoid consolidating Perkins loans, because you lose several valuable benefits. Beware of extending the term of your loan, as this can increase the total interest paid over the lifetime of the loan; you can stick with standard ten-year repayment.

You can adapt the repayment schedule on your loan two times per year. So consider starting off with standard ten-year repayment on your consolidation loan. you're not required to start off with extended repayment. If you find it difficult to afford the payments, you can always switch to extended repayment later.

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Criminal Law

The Sixth Amendment guarantees a criminal defendant the right to a quick trial by an impartial jury; the right to be informed of the nature of the accusation against him, the right to confront witnesses against him & the right to have an attorney assist in his defense. The defendant may also act as his own attorney, if desired.





Criminal Law: Serious Offenses
criminal lawCriminal law, or penal law, is enforced by the government & includes crimes such as murder & rape. Criminal law is one-of-a-kind as to the serious consequences of not abiding by the law. The punishment for breaking criminal law can include execution, incarceration, (including solitary confinement), house arrest , parole, probation or fines, including seizing funds & property.

Murder, an unlawful killing, is the most frequent criminal offense. Degrees of murder include: first degree murder (based on intent & malace), manslaughter (murder without intent, but based on provocation or diminished capacity), & Involuntary manslaughter (murder occurring based on recklessness).

Breaking the criminal law can mean a "guilty act" such as striking a victim, or a failure to act, such as withholding food from a young child. A "guilty mind" includes the purpose to commit a wrongful act. A killing committed with an intent to kill would be murder, whereas a killing that occurred as a result of a reckless act would be manslaughter.

Battery is unlawful touching, assault is generating fear of imminent battery & may result in criminal liability. Battery includes non-consensual intercourse or rape.

Criminal law may also protect property, & includes embezzlement, trespassing, theft, robbery, burglary & fraud.

Enforcement
criminal Criminal law is enforced by the following punishments: retribution, deterrence, incapacitation, rehabilitation & restitution.

Retribution: Criminals should be made to suffer in some way.

Deterrence: The penalty for criminal behavior is aimed at discouraging such behavior.

Incapacitation: The personal committing criminal offences is removed from society by being jailed or given the death penalty.

Restitution: The offender may be required to repair the hurt inflicted on the victim, for example an embezzler will be required to repay the amount stolen.

Rehabilitation: Rehabilitation tries to transform the offender in to a valuable member of society & aims to prevent further offenses.

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How to Purchase Structured Settlements

Introduction







what are Structured Settlements?

there's plenty of legal requirements and restrictions that affect who can buy structured settlements, so if you are interested in purchasing a structured settlement, you will require to work with a company who matches structured settlements with investors.

How to Purchase Structured Settlements

When law suits are settled, damages may be awarded in a lump sum, or a series of payments. A settlement which is awarded in a series of payments over time is called a structured settlement. Structured settlements are generally created by using a third party intermediary to provide the financing.

State and federal law may restrict the sale of structured settlements, and there's plenty of legal complications that can arise. Since you'll be exchanging money for the right to receive future payments, you'll require to make sure that you are protected.

1. Work with an established broker.
2. Look for a structured settlement financing company who is a member of the National Structured Settlements Trade Association who also places settlements with private investors.
3. Get multiple quotes to ensure you get the best deal.
4. Retain an attorney to review the agreement to ensure your interests are protected.

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The Structured Settlement

What Is a Structured Settlement?




sometimes when a plaintiff settles a case for a large sum of funds, the defendant, the plaintiff's attorney, or a financial planner consulted in association with the settlement, will propose paying the settlement in installments over time than in a single lump sum. When a settlement is paid in this manner it's called a "structured settlement". Often the structured settlement will be created through the purchase of two or more annuities, which guarantee the future payments.

two significant advantage of a structured settlement is tax avoidance. With appropriate set up, a structured settlement may significantly reduce the plaintiff's tax obligations as a result of the settlement, & may in some cases be tax-free.

A structured settlement can provide for payment in much any schedule the parties select. For example, the settlement may be paid in annual installments over some of years, or it may be paid in periodic lump sums every few years.

Benefits of a Structured Settlement

In some situations, it will be better for a severely disabled plaintiff to set up a special needs trust, than entering in to a lump sum or structured settlement. Any plaintiff who is receiving, or expects to get, Medicaid or other public assistance, or the guardian or conservator entering in to a settlement on behalf of a disabled ward, should consult with a disabilities financial planner about their situation before choosing any particular settlement option or structure.
Potential Disadvantages of Structured Settlements


A structured settlement can protect a plaintiff from having settlement funds dissipated, when they are necessary to pay for future care or needs. sometimes a structured settlement can help protect a plaintiff from himself - some people basically aren't lovely with funds, or can't say no to relatives who require to "share the wealth", & even a large settlement can be rapidly exhausted. Minors may benefit from a structured settlement as well, such as a settlement which provides for certain costs during their youth, an additional disbursement to pay for college or other educational expenses, & then two or more disbursements in adulthood. An injured person who has long-term special needs may benefit from having periodic lump sums with which to purchase medical equipment or modified vehicles.

Some people who enter in to structured settlements feel trapped by the periodic payments. they may wish to purchase a new home, or other pricey item, yet be unable to muster the resources because they can't borrow against future payments under their settlement.

Some people will do better by accepting a lump sum settlement, & investing it themselves. lots of standard investments will give a greater long-term return than the annuities used in structured settlements.

Selling a Structured Settlement

Keep in mind that companies which buy structured settlements intend to profit from their purchase, & sometimes their offers may seem low. You may benefit from approaching over two company in relation to the sale of your settlement, to make sure that you receive the highest payoff. You also require to be sure that the company which wants to buy your settlement is established, well-funded, & reputable - you don't require a fly-by-night outfit to receive the rights to your annuities but to disappear or go bankrupt before paying you the buyout funds. You may have to be going to court to receive a judge to approve the buyout. it's usually a lovely idea to consult with a lawyer before entering in to an agreement to sell your settlement.
Special Considerations

If you have a structured settlement, you may have been approached by a company interested in purchasing your settlement, or may be curious about selling your settlement in return for a lump sum buyout. About two thirds of states have enacted laws which restict the sale of structured settlements, & tax-free structured settlements are also subject to federal restrictions on their sale to a third party. Also, some insurance companies will not assign or transfer annuities to third parties, to discourage the sale of structured settlements. As a consequence, depending on where you live & the terms of your annuities, it may not be possible for you to sell your settlement.


Excessive Commissions - Annuities can be highly profitable for insurance companies, & they often over large commissions. it's important to ensure that the commissions charged in setting up a structured settlement don't consume an inappropriate percentage of its principal.

Any person entering in to a structured settlement should be on guard for potential exploitation in relation to the settlement:

Overstated Value - sometimes, after negotiating a particular settlement figure, the defense will overstate the value of a structured settlement. As a result the plaintiff, in accepting the settlement, in fact obtains a significantly lower dollar value than was agreed on. Some defendants have nominally paid the full amount of the settlement, knowing that they would later receive significant rebates from the annuity companies they used. Plaintiffs should consider compariing the fees & commissions charged for similar settlement packages by a variety of insurance companies, to make sure that they are in fact getting full value. A plaintiff may wish to make it a condition of the settlement that the defendant will actually pay the full value of the settlement in setting up the structured settlement, & that any rebates received by the defendant for annuities included in the settlement be payable to the plaintiff.

Self-Dealing - there's been cases where the plaintiff's lawyer is also in the insurance business, & sets up a structured settlement on behalf of a client without disclosing that the attorney is purchasing the annuities from his own business, or is pocketing a large commission on the annuities. Similarly, there's been situations where the plaintiff's attorney has referred the client to a particular financial planner to set up a structured settlement, without disclosing that the financial planner will be paying the attorney a referral fee in relation to the client's account. Make sure that you know what financial interest, if any, your lawyer has in relation to any financial services sold or recommended by the lawyer.


Life Expectancy - it's unfortunate, but lots of people who get large personal injury or workers' compensation settlements will have a shortened life expectancy as a result of their injuries. it's important to consider life expectancy in association with any structured settlement, & to consider whether it's appropriate to enter in to an annuity where payments will cease on death. sometimes it will make sense to insist on an annuity that pays a maximum number of payments, or two that will pay a balance in to the plaintiff's estate, such that the value of the settlement is not lost to an insurance company on the plaintiff's untimely death.



Using Multiple Insurance Companies - For larger settlements, it often makes sense to purchase annuities for a structured settlement from several different companies, dividing the settlement between those companies. This can provide you with protection in the event that a company that issued annuities for your settlement package goes in to bankruptcy - even in the event that two of the companies defaults in part or in full on your settlement payments, you would still get full payment from the other companies.

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Get a adsense account in 6 hours flat !

Hi,

When I first applied to Google Adsense account 1 month ago, I waited for over a week and got rejected. But yesterday I found the easiest way to get a Google Adsense Account - AND I GOT APPROVED IN 6 HOURS FLAT.






I AM SURE ANYONE CAN GET APPROVED using this method. Yes people from India, Africa it doesnt matter And I havent seen this method shared anywhere else...Unlike some other methods shared like Create a Youtube Channel ,upload videos, Make sure those videos get some hits and apply for Adsense, this method doesnt need much work on your part..

It is as simple as it gets. Here is how...

www.docstoc.com is a website that is partnering with Google Adsense. It is much like scribd.com , where people read documents, ebooks online uploaded by others.

When you sign up for docstoc account using the URL you have an option to join Adsense through their website if you dont have Adsense account..Here is the URL

http://www.docstoc.com/doccash/join/

For those who do not have a adsense account they can apply to Adsense through their website


Quote:
Start by registering or signing into Docstoc.

Don’t have an AdSense account yet? That’s okay - we’ll help you set one up. It's easy.
You are now logged in, click submit to complete your DocCash application
Submitting information to Google AdSense

* I already have an AdSense account

Please enter the following information you provided to Google when you registered with AdSense.
Please fill out all of the following fields.
Email Address
Last 5 Digits of Phone Number
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* I'd like to set up an AdSense account

Please provide your email address below. Google will email you instructions on how to set up your new AdSense account. You should receive the instructions within 2-3 days.

Once your account is confirmed, you will automatically begin earning revenue from the documents you have uploaded to Docstoc.

And that is it, you get approved within 6 hours. For ads placed in their site(docstoc.com) (thru Your adsense account), they share a 50/50 revenue...However you can use the adsense account for your sites/blogs and for ads placed in your blogs/sites you keep all the revenue to yourself....

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So what are you waiting for ? For those who dont have a adsense account, GO GET ONE...

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Easy Adsense Approval & Blackhat Adsense

In case anyone is having problems getting approved by google adsense- there is a way to get almost automatic approval - even with no website.






Create a free account at hubpages.com. Go into your account settings and click on 'Affiliates'. You will see an option for google adsense as well as a 'sign-up' button. Click on that, fill out some info and then you are pretty much guaranteed to be accepted as an adsense publisher.

That's it!

 
Here is a book created by vince tan about Adsense blackhat


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Forex Tips and Tricks Basic






Forex trading is essentially the buying and selling of currencies from around the world on a centralized foreign exchange system. The basic means of making money in this area is to capture the differentials in currency prices.

For example, if you purchased Japanese Yen you may be able to trade 104 Yen for every dollar. If the Yen then moves up in value against the dollar, you can buy back into the dollar at a better exchange rate.

Foreign currency trading is done in lots of $100,000. While this sounds daunting, the foreign exchange system allows high margin rates. Of course, margin increases your exposure to loss, so you really have to know what you are doing.

One recommended way to get around this is to trade a mini-Forex account, and to use a Forex trading software package. This option allows you to trade in $10,000 lots. Therefore, with the high margin allowances in the Forex, you could make trades with as little as $100. One cautionary note about small trade sizes however, is that you will need bigger pip differentials to make a decent profit.

Currencies fluctuate for a variety of reasons, and predicting these fluctuations can be accomplished with technical analysis, and observation of current events, politics, and the economy of the country whose currency you are interested in. Many traders choose to focus their efforts on one foreign currency and look for buy and sell signals by trading the dips and swells of that currency.

As you gain exposure to the Forex business you will notice the frequent use of the word "pip." The Forex market trades currency prices in pips. A pip means "percentage in point." In the Forex world this pertains to the fourth decimal point, which is equal to 1/100th of 1%.
Forex trading can be complex, so again, advanced training is highly recommended for new traders. Overall, here are some common Forex tricks and tips to get you started:
  • Use a 15-minute chart to monitor dips and swells.
  • The majority of currency trading focuses on the following currencies: U.S. Dollar, Japanese Yen, Euro, British Pound Sterling, Swiss Franc, and the Australian Dollar.
  • As you gain experience you will not for bigger pip spreads in your exchange differentials. A pip spread of 20 is generally considered a good trade.
  • Normal technical analysis techniques you may have used in stocks do not necessarily work in currencies. You will need to learn technical analysis specifically designed for Forex.
  • Minimize losses by setting stop-loss orders.
  • Be careful how you interpret tips and your gut instinct. Learn to base your trade decisions on verifiable facts.
Forex, options and futures trading have large potential rewards, but also large potential risk. You must be aware of the risks and be willing to accept them in order to invest in the Forex markets. Don't trade with money you can't afford to lose.

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Top 10 Beautiful Windows Vista Themes 2009

Image




INFO:
It includes the best Windows Vista themes out there, such as M11, Vista Elegance, Vista Ultimate 2nd generation,
Aero Dynamic, etc.

This pack has the following visual styles included:
 Aero Dynamic v3
 Chocolate Vista
 Clear Vista
 LongVista
 M11 Final V1
 NV2 Final Theme
 Ultimate Dark
 Vista Elegance
 Vista Summer
 Vista Ultimate 2nd Generation


Unpack rar file then copy both parts inside the folder to
Windows\Resources\themes
Then right click on desktop then go to personalize theme then select from there

DOWNLOAD:

Code:
http://rapidshare.com/files/194127103/Vista.Themes_HZP_BluRay.rar


OR

Code:
http://rapidshare.com/files/194127406/Vista.Themes_HZP_BluRay.rar

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[RELEASE] Hittler v1.0 - The Twitter Bot






Well, I decided i will just give this bot out because i won't have internet for a month or so till i find an actual good pay job... shit i need one haha.

Unless i can hack the neighbors Wireless Key...


Anyway, this bot has some cool features...

Features

  • Multiple Accounts
  • Once it's done botting one account it will automatically switch to the next account.
  • Multiple Key Word Searches
  • Multiple Auto Post - Switches accounts and bots on them.

This image has been resized. Click this bar to view the full image. The original image is sized 730x584.






Download Here

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Trekpay Review : pay every weeks









TrekPay operates differently than other search engines, they actually target the Ads on their Client's websites.
The advertisers have been asked to describe the type of advertising they display on their websites and when a search is requested a list of websites with Ads that match your search will be displayed.
You are invited to go to these websites and click on these search related Ads.
Our Clients showing you these Ads. We in turn make money from the traffic and "profit share" with all our members. The higher your ranking the more you can earn.

Make sure to click on the Ads within our Client's websites if they interest you... It keeps us in business!
Everybody gets what they want!
1.Our Clients make money from their Ads as Publishers.
2.The actual Ad owners get real interested people to see their Ads.
3.Our Searchers (you) find what they were seeking.
4.TrekPay members get paid!

Welcome to TrekPay!
How is money earned?
Earning money is easy with Trek. The more active you are, the faster you get to our maximum payout. A member is awarded credits each time they do one of the following.

1. When a member does a search and visits one of our Clients websites, credits are given.

2. If a member refers another person to TrekPay or Trek Advertising they are awarded credits.

Each Week Trek will share in its profit by placing a dollar amount on each credit. The more credits you have earned the higher the payout.

Another way to earn is "sales Commissions"





When a member is credited with a sale from Trek Advertising they will receive an immediate deposit into their back office account.

It pays to advertise your referral page!
How much can I earn?
A member may earn $50 dollars per week with our credit system.

However, earnings for commissions are unlimited. We are currently paying 12.5% of each sale directly to the original referrer.

It pays to advertise your referral page!

This is a really neat site and you can earn big even without referrals.

Payment proof :


Join Today:-)

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Palmbux review : A Must Join PTC

Aside from Neobux, Palmbux is the next best PTC(Paid to Click Site) available to join.








Palmbux has recently undergone a change and now you earn .008$ instead of .01$ for every ad you surf.This allows it to be cheaper for advertisers to advertise on Palmbux meaning more ads for you.There used to be only 4 ads you could surf per day meaning only 4 cents per day for your clicks and 4 cents for each of your referrals daily meaning another 4 cents for you.Well now there are more than 4 ads daily,sometimes there will be 6 or 7 at one time and in the next hour there will be 4 more ads so there are a lot more ads now and the price per ad didn't go down much at all.

Payment Proof



This is a must join PTC and i recommend you all join it today.





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TuiBux Review- A Blog Review on TuiBux







Tuibux is an original site with an original script. The site is one of a kind and the entire site was built up from scrap. The site has a lot of amazing features and is really fast and easy to use. Tuibux is also really affordable and all features in the site cost less when compared to other PTC like Neobux and Buxwiz. This is site also has instant payouts through PayPal and AlertPay. This is a must join site and i recommend you join it right away.

Features of TuiBux :-

Standard Members

■ $0.01 per click
■ $0.005 per referral click
■ Graphs of click statistics along with referral statistics
■ Instant Payments


Premium Members

■ $0.01 per click
■ $0.01 per referral click
■ In depth graphs of each referral plus more
■ Instant payments

Payment Options :- PayPal/AlertPay

My Payment proof



Join the site today....






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Public Enemies (2009)







In the action-thriller Public Enemies, acclaimed filmmaker Michael Mann directs Johnny Depp, Christian Bale, and Academy Award® winner Marion Cotillard in the incredible and true story of legendary Depression-era bank robber John Dillinger (Depp), the charismatic bank robber whose lightning raids made him the number one target of J. Edgar Hoover's fledgling FBI and its top agent, Melvin Purvis (Bale), and a folk hero to much of the downtrodden public. Source: Universal Pictures.

No one could stop Dillinger. No jail could hold him. His charm and audacious jailbreaks endeared him to almost everyone: from his girlfriend Billie Frechette (Cotillard) to an American public who had no sympathy for the banks that had plunged the country into the Depression. But while the adventures of Dillingers ganglater including the sociopathic Baby Face Nelson (Stephen Graham) thrilled many, Hoover (Billy Crudup) hit on the idea of exploiting the outlaws capture as a way to elevate his Bureau of Investigation into the national police force that became the FBI. He made Dillinger Americas first Public Enemy Number One. Hoover sent in Purvis (Bale), the dashing Clark Gable of the FBI. However, Dillinger and his gang outwitted and outgunned Purvis men in wild chases and shootouts. Only after importing a crew of Western ex-lawmen (newly baptized as agents) who were real gunfighters, and orchestrating epic betrayals (from the infamous Lady in Red to the Chicago crime boss Frank Nittiwere) were Purvis and the FBI able to close in on Dillinger.

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Wyvern (2009) DVDRip XviD DOMiNO



The small Alaskan town of Beaver Mills is located just north of the Arctic Circle, meaning that the sun doesn't set during the summer solstice. As the town prepares for its annual celebration of this event, a wyvern, awakened from its prison of ice by the melting of the ice caps, appears, attacking the town's residents. It continues its bloody rampage as the humans in town desperately try to escape. Eventually, the townfolk find that the creature has laid a nest of eggs. The Wyvern's reign of terror is finally ended when Jake runs it off a cliff with his new semi–truck.
The film presents its own mythology surrounding the creature. According to Haas, the Wyvern is an ancient beast from Norwegian mythology. Haas further states that the Wyvern was the son of Hel, the goddess of death, who went on a rampage and bit Odin, causing the king of the Norwegian gods to imprison it in ice far to the north

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District 9 (2009) TS



Thirty years ago, aliens made first contact with Earth. Humans waited for the hostile attack, or the giant advances in technology. Neither came. Instead, the aliens were refugees, the last survivors of their home world. The creatures were set up in a makeshift home in South Africa's District 9 as the world's nations argued over what to do with them. Now, patience over the alien situation has run out. Control over the aliens has been contracted out to Multi-National United (MNU), a private company uninterested in the aliens' welfare - they will receive tremendous profits if they can make the aliens' awesome weaponry work. So far, they have failed; activation of the weaponry requires alien DNA. The tension between the aliens and the humans comes to a head when an MNU field operative, Wikus van der Merwe (Sharlto Copley), contracts a mysterious virus that begins changing his DNA. Wikus quickly becomes the most hunted man in the world, as well as the most valuable - he is the key to unlocking the secrets of alien technology. Ostracized and friendless, there is only one place left for him to hide: District 9.




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G.I Joe The Rise Of Cobra (2009) TS RMVB



The film opens in France, in 1641. The Scotsman Klan McCullen has been accused of selling weaponry to both the Scots and French. Rather than being executed for treason, the jury brands his face with a white-hot mask in order to humiliate him. In the near future, weapons expert James McCullen (Christopher Eccleston) has created a nanotechnology-based weapon capable of destroying an entire city. His company MARS sells four warheads to NATO, and the U.S. Army is tasked with delivering the warheads. Duke (Channing Tatum) and Ripcord (Marlon Wayans) are delivering the warheads when they are ambushed by the Baroness (Sienna Miller), who Duke recognized to be his ex-fiancee Ana Lewis. Duke and Ripcord are rescued by Scarlett (Rachel Nichols), Snake Eyes (Ray Park) and Heavy Duty (Adewale Akinnuoye-Agbaje). They take the warheads to The Pit, G.I. Joe's command center in North Africa, and upon arriving rendezvous with General Hawk (Dennis Quaid), the head of the G.I. Joe Team. Hawk takes command of the war-heads and excuses Duke and Ripcord, only to be convinced to have them join his group after Duke reveals that he knows the Baroness.

McCullen is revealed to be using the same nanotechnology to build an army of soldiers with the aid of the Doctor (Joseph Gordon-Levitt), planning on using the warheads to bring panic and bring about a new world order. Using a tracking device, McCullen locates the G.I. Joe base and sends Storm Shadow (Lee Byung-hun) and the Baroness to retrieve the warheads with assistance from Zartan (Arnold Vosloo), inflicting casualties on several G.I. Joe soldiers. After a fight, Storm Shadow and the Baroness retrieve the warheads and take them to Baron DeCobray, the Baroness's husband, for him to weaponize and use them to destroy the Eiffel Tower to serve as a showing of the warhead's destructive power. Making their way to Paris, the Joes pursue them through the streets but are unsuccessful in stopping them from launching the missile. Duke manages to hit the kill switch, but in doing so he is captured and taken to McCullen's base under the Arctic.

G.I. Joe locates the secret base and fly there as McCullen loads three missiles with nano-mite warheads. After Snake Eyes takes out one, Ripcord pursues the remaining missiles in a prototype Night Raven jet while Scarlett and her group infiltrate the base. While Scarlett and Snake Eyes attempt to shut down the Arctic base, with Heavy Duty leading an attack on Cobra's forces, Duke learns that the Doctor is Rex Lewis, Ana's brother believed to have been killed on a mission led by Duke four years ago. He was trapped in a bunker with Doctor Mindbender (Kevin O'Connor), disfigured in the blast which everyone presumed had killed him. The Baroness tries to free Duke but the Doctor reveals he has implanted her with nano-mites which has put her under his control for the past four years, admitting his amazement that she is resisting the programming. Attempting to kill Duke, McCullen ends up being facially burned as he flees with Rex to an escape vessel. Duke and the Baroness pursue him while the Joes fall back when Rex activated the base's self destruct sequence.

Rex then heals McCullen's burned face with nano-mites, encasing it in silver as he christens McCullen "Destro" and assumes the identity of Cobra Commander before they are captured by G.I. Joe soon after. On board the supercarrier USS Flagg, Baroness is placed in protective custody until they can remove the nano-mites from her body. Meanwhile, Zartan, having been earlier operated on by Rex, infiltrates the White House during the missile crisis and assumes the identity of the President of the United States. The film opens in France, in 1641. The Scotsman Klan McCullen has been accused of selling weaponry to both the Scots and French. Rather than being executed for treason, the jury brands his face with a white-hot mask in order to humiliate him. In the near future, weapons expert James McCullen (Christopher Eccleston) has created a nanotechnology-based weapon capable of destroying an entire city. His company MARS sells four warheads to NATO, and the U.S. Army is tasked with delivering the warheads. Duke (Channing Tatum) and Ripcord (Marlon Wayans) are delivering the warheads when they are ambushed by the Baroness (Sienna Miller), who Duke recognized to be his ex-fiancee Ana Lewis. Duke and Ripcord are rescued by Scarlett (Rachel Nichols), Snake Eyes (Ray Park) and Heavy Duty (Adewale Akinnuoye-Agbaje). They take the warheads to The Pit, G.I. Joe's command center in North Africa, and upon arriving rendezvous with General Hawk (Dennis Quaid), the head of the G.I. Joe Team. Hawk takes command of the war-heads and excuses Duke and Ripcord, only to be convinced to have them join his group after Duke reveals that he knows the Baroness.

McCullen is revealed to be using the same nanotechnology to build an army of soldiers with the aid of the Doctor (Joseph Gordon-Levitt), planning on using the warheads to bring panic and bring about a new world order. Using a tracking device, McCullen locates the G.I. Joe base and sends Storm Shadow (Lee Byung-hun) and the Baroness to retrieve the warheads with assistance from Zartan (Arnold Vosloo), inflicting casualties on several G.I. Joe soldiers. After a fight, Storm Shadow and the Baroness retrieve the warheads and take them to Baron DeCobray, the Baroness's husband, for him to weaponize and use them to destroy the Eiffel Tower to serve as a showing of the warhead's destructive power. Making their way to Paris, the Joes pursue them through the streets but are unsuccessful in stopping them from launching the missile. Duke manages to hit the kill switch, but in doing so he is captured and taken to McCullen's base under the Arctic.

G.I. Joe locates the secret base and fly there as McCullen loads three missiles with nano-mite warheads. After Snake Eyes takes out one, Ripcord pursues the remaining missiles in a prototype Night Raven jet while Scarlett and her group infiltrate the base. While Scarlett and Snake Eyes attempt to shut down the Arctic base, with Heavy Duty leading an attack on Cobra's forces, Duke learns that the Doctor is Rex Lewis, Ana's brother believed to have been killed on a mission led by Duke four years ago. He was trapped in a bunker with Doctor Mindbender (Kevin O'Connor), disfigured in the blast which everyone presumed had killed him. The Baroness tries to free Duke but the Doctor reveals he has implanted her with nano-mites which has put her under his control for the past four years, admitting his amazement that she is resisting the programming. Attempting to kill Duke, McCullen ends up being facially burned as he flees with Rex to an escape vessel. Duke and the Baroness pursue him while the Joes fall back when Rex activated the base's self destruct sequence.

Rex then heals McCullen's burned face with nano-mites, encasing it in silver as he christens McCullen "Destro" and assumes the identity of Cobra Commander before they are captured by G.I. Joe soon after. On board the supercarrier USS Flagg, Baroness is placed in protective custody until they can remove the nano-mites from her body. Meanwhile, Zartan, having been earlier operated on by Rex, infiltrates the White House during the missile crisis and assumes the identity of the President of the United States.

Code:
http://rapidshare.com/files/268625146/G_I_J_TS_.rmvb.001
http://rapidshare.com/files/268625183/G_I_J_TS_.rmvb.002
http://rapidshare.com/files/268624333/G_I_J_TS_.rmvb.003
http://rapidshare.com/files/268625148/G_I_J_TS_.rmvb.004

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Evian Commercial Babys

Here is totally funny, some roller baby's





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The Portable Dad: Fix-It Advice for When Dad's Not Around



The Portable Dad: Fix-It Advice for When Dad's Not Around





Steve Elliott, "The Portable Dad: Fix-It Advice for When Dad's Not Around"
2009 | ISBN 0762435283 | PDF | 240 pages | 4.0 MB

For college students, twentysomethings, and anyone else who keeps Dad on speed-dial for car emergencies, plumbing woes, appliance advice, and more. Take Dad's know-how with you everywhere you go! This Dad's got all the answers to all the basics, so that you can get it done and move on. He knows how to hang, unclog, patch, drill, paint, mow, lube, edge, weed, sand, pack, and more. The Portable Dad is the answer to those panicked late-night phone calls: how to keep things running, how to maintain the stuff you use, how to get by without getting in over your head. If Dad doesn't know the answer, you don't really need to do it!



Code:
http://rapidshare.com/files/266552326/Portable_Dad-joeschatterbox.rar

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The Complete English Grammar Series 2009 (10 DVD Pack)



The Complete English Grammar Series 2009 (10 DVD Pack)

Video Aided Instruction’s English Grammar Series makes the tricky rules of English grammar easier to learn than ever before - whether you’re new to English or you’ve been speaking it for years!

The 10 programs in this series are each divided into 3 to 5 short lessons, making them perfect for classroom use or self-study. They’re also ideal for reviewing forgotten grammar or preparing for many verbal standardized tests such as the SAT, TOEFL, GED, and GRE. Plus, they can really help you improve your grades in school or your performance on the job!

Using easy-to-follow examples and practice exercises from everyday life, this series can help you master even the most complicated English grammar topics!

Contents:

DVD 01: English Grammar: Sentence Structure
DVD 02: English Grammar: Parts of Speech
DVD 03: English Grammar: Sentence Complements
DVD 04: English Grammar: Verbs
DVD 05: English Grammar: Pronouns
DVD 06: English Grammar: Agreement
DVD 07: English Grammar: Modifiers
DVD 08: English Grammar: Parallel Structure
DVD 09: English Grammar: Punctuation
DVD 10: English Grammar: Spelling & Capitalization




Code:
http://hotfile.com/dl/10649871/6b785ed/sRENcOL.part1.rar.html
http://hotfile.com/dl/10649878/b6733df/sRENcOL.part2.rar.html
http://hotfile.com/dl/10649884/f8a2940/sRENcOL.part3.rar.html

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Installing xp in 10 minute

Here i am going to the secret that i got to know last night while making format. I found that we can bypass the 39 minute of time while we are installing windows xp.
after a long time i am making another post
hope u will like it








We all know that after loading the file or copying the file from the boot disk to temporary space the system requires a first time reboot.

Now if we press shift+f10 then the task manager will open and there we will find that a process is running named setup.exe

now our task is to make the priority of this process maxm by right clicking on that.

We are done.

Find ur xp installed in 10 min with tolerance 2 min

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The Top 25 Facebook Games for August 2009

top25facebookaugust




It’s now official: farming games are all the rage on the Facebook Platform. Of all the big moves we saw in this month’s Facebook gaming charts, none are more pronounced than the staggering popularity of the farming “genre.” FarmVille is now the most popular game on the Facebook Platform with over 16.6 million monthly active users, and Slashkey’s Farm Town has skyrocketed 40% in the last month as well to near 15 million monthly players.
This month’s charts are pretty dramatically different than July’s. Smaller games have grown drastically in reach, new faces have appeared, and even long time leaders are falling from the top. The social gaming space is growing beyond just numbers. It is starting to mature.
Here are the highlights from the past month:

* Long time #1 Texas HoldEm Poker fell from the top spot it held for a long time not one but three places to #4, getting beat out by FarmVille, MindJolt Games, and Mafia Wars.
* Zynga’s FarmVille is now the #1 Facebook game, with over 16.5 million MAU. That is an 11.5 million MAU growth for the new game in the last 30 days.
* Playfish’s Pet Society also dropped from #3 to #6 with 14.3 million users this month, as Farm Town held at #5.
* PopCap’s adapted version of its hit Bejeweled title has shown why the company sets the standard in casual games – the title grew by 1.5 million users in July to move up from #11 to #9.
* Another farming title from TheBroth, Barn Buddy made an impressive leap from #18 to #11 with nearly 5 million MAUs this month.
* A classic card game we saw a while ago, UNO BETA also made its first appearance on the charts with close to 3 million users while the odd game of Pillow Fight defies previous predictions and hangs on at #23.




As social games developers compete with one another, the quality of games is going up, and the players are liking it. Will a new era of higher quality games ascend the charts this fall?

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windows xp hidden programs and secrets

Hidden Programs In Windows Xp
1) Private Character Editor
This program is for designing icons and Characters(Alphapet)
cl!ck :start
Then :run
type :EUDCEDIT
.................................................. .................................................. .............................................
2) iExpress

This Program is for converting your files to EXECUTABLE files
cl!ck : start
Then : run
type : iexpress
.................................................. .................................................. .............................................
3)Disk Cleanup
This program used for cleaning harddisk to offer space
cl!ck : start
Then : run
type : cleanmgr

.................................................. .................................................. .............................................
4)Dr Watson
This program Is for repairing problems in Windows
cl!ck : start
Then : run
type : drwtsn32
.................................................. .................................................. .............................................
5)Windows Media Player 5.1
Opens the old media player
cl!ck : start
Then : run
type : mplay32
.................................................. .................................................. .............................................
Well Some More XP Secrets

Windows XP - Secrets


Deleting System Softwares:

XP hides some system software you might want to remove, such as Windows Messenger, but you can tickle it and make it disgorge everything. Using Notepad or Edit, edit the text file /windows/inf/ sysoc.inf, search for the word 'hide' and remove it. You can then go to the Add or Remove Programs in the Control Panel, select Add/Remove Windows Components and there will be your prey, exposed and vulnerable.

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Creating Shutdown Icon or One cl!ck Shutdown:

Navigate to your desktop. On the desktop, right-cl!ck and go to New, then to Shortcut (in other words, create a new shortcut). You should now see a pop-up window instructing you to enter a command line path.
Use this path in "Type Location of the Item"
SHUTDOWN -s -t 01
If the C: drive is not your local hard drive, then replace "C" with the correct letter of the hard drive. cl!ck the "Next" button. Name the shortcut and cl!ck the "Finish" button. Now whenever you want to shut down, just cl!ck on this shortcut and you're done.

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Increasing Band-Width By 20%:

Microsoft reserves 20% of your available bandwidth for their own purposes like Windows Updates and interrogating your PC etc

To get it back:

cl!ck Start then Run and type " gpedit.msc" without quotes.This opens the group policy editor. Then go to:
Local Computer Policy then Computer Configuration then Administrative Templates then Network then QOS Packet Scheduler and then to Limit Reservable Bandwidth.
Double cl!ck on Limit Reservable bandwidth. It will say it is not configured, but the truth is under the 'Explain' tab i.e."By default, the Packet Scheduler limits the system to 20 percent of the bandwidth of a connection, but you can use this setting to override the default."
So the trick is to ENABLE reservable bandwidth, then set it to ZERO. This will allow the system to reserve nothing, rather than the default 20%.It works on Win 2000 as well.

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Renaming The Recycle Bin icon:

To change the name of the Recycle Bin desktop icon, cl!ck Start then goto Run, write Regedit and press Enter. It opens Registry Editor. Now in Registry Editor go to:

HKEY_CLASSES_ ROOT/CLSID/ {645FF040- 5081-101B- 9F08-00AA002F954 E}
and change the name "Recycle Bin" to whatever you want (don't type any quotes).

Managing Tasks:
You can at last get rid of tasks on the computer from the command line by using 'taskkill /pid' and the task number, or just 'tskill' and the process number. Find that out by typing 'tasklist', which will also tell you a lot about what's going on in your system.

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Removing Shared Documents folder From My Computer window:

Open registry editor by going to Start then Run and entering regedit. Once in registry, navigate to key

HKEY_LOCAL_MACHINE \ SOFTWARE \ Microsoft \ Windows \ CurrentVersion \ Explorer \ My Computer \ NameSpace \ DelegateFolders

You must see a sub-key named {59031a47-3f72- 44a7-89c5- 5595fe6b30ee} . If you delete this key, you have effectively removed the my shared documents folder.

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Improving the Slow Boot up time:

There are a variety of reasons why your windows XP system would boot slowly. Most of the times it this has to do with the startup applications. If you would like to speed up the bootup sequence, consider removing some of the startup applications that you do not need. Easiest way to remove startup apps is through System Configuration Utility. Go to Start then Run and enter MSCONFIG and go to the Startup tab. Deselect/UnCheck application( s) that you do not want to startup at boot time.

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Customize Logon prompt with your Own Words:

Open Registry by going to Start then Run, entering regedit and Navigate to [HKEY_LOCAL_ MACHINE\SOFTWARE \Microsoft\ Windows NT\CurrentVersion\ Winlogon] . In right pane, look for key by the name "LogonPrompt" . Set its value to whatever text you want to see displayed at login screen.

IP address of your connection:
Go to Start then Run. Enter 'cmd' and then enter 'ipconfig' .Add the '/all' switch for more info .

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Making Folders Private:
Open My Computer Double-cl!ck the drive where Windows is installed (usually drive (C, unless you have more than one drive on your computer). If the contents of the drive are hidden, under System Tasks, cl!ck Show the contents of this drive.
Double-cl!ck the Documents and Settings folder. Double-cl!ck your user folder. Right-cl!ck any folder in your user profile, and then cl!ck Properties. On the Sharing tab, select the Make this folder private so that only I have access to it check box.

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To change Drive Letters:
Go to Start > Control Panel > Administrative Tools > Computer Management, Disk Management, then right-cl!ck the partition whose name you want to change (cl!ck in the white area just below the word "Volume") and select "change drive letter and paths."
From here you can add, remove or change drive letters and paths to the partition.

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Removing the Shortcut arrow from Desktop Icons:
Goto Start then Run and Enter regedit. Navigate to HKEY_CLASSES_ ROOTlnkfile. Delete the IsShortcut registry value. You may need to restart Windows XP.

Get Drivers for your Devices:
Visit Windows Update (XP Only)
Look at the left hand pane and under Other Options cl!ck Personalize Windows Update.
Now in the right hand pane check the box - Display the link to the Windows Update Catalog under See Also
Below Choose which categories and updates to display on Windows Update - make sure you check all the boxes you want shown.
cl!ck Save Settings
Now look in the left hand pane under See Also cl!ck Windows Update Catalog and choose what you're looking for. Choose either MS updates or drivers for hardware devices.
Start the Wizard and off you go.

Customize Internet Explorer's Title Bar:
Open Registry by going to Start then Run and Enter regedit. Navigate to HKEY_CURRENT_ USER\Software\ Microsoft\ Internet. Explorer\Main. In right hand panel look for string "Window Title" and change its value to whatever custom text you want to see.

Disabling the use of Win Key:
If your are a gaming freak then you must be sick of the Win key in your keyboard. To disable use of Win key, open registry by going to Start then Run and entering regedit. Navigate to [HKEY_LOCAL_ MACHINE\SYSTEM\ CurrentControlSe t\Control\ Keyboard Layout] . In this look for value of "Scancode Map". Its binary data so be extra careful:
Set its value to "00 00 00 00 00 00 00 00 03 00 00 00 00 00 5B E0 00 00 5C E0 00 00 00 00" to disable the win key.

Restarting Windows without Restarting the Computer:
This one is again is. When you cl!ck on the SHUTDOWN button, make sure to simultaneous press SHIFT Button. If you hold the Shift key down while *** on SHUTDOWN button, you computer would restart without restarting the Computer. This is equivalent to term "HOT REBOOT".

Stopping XP from displaying unread messages count on Welcome Screen:
To stop XP from displaying count of unread messages, Open registry and navigate to [HKEY_CURRENT_ USER\Software\ Microsoft\ Windows\CurrentV ersion\UnreadMai l] and look for the data key "MessageExpiryDays" . If you do not see this key, create one DWORD key by the name "MessageExpiryDays" . Setting its value to 0 would stop Windows XP from displaying the count of unread messages.

Modify Color Selection of Default Theme:
Open registry by going to Start then Run. Entering regedit, navigate to [HKEY_USERS\ .DEFAULT\ Software\ Microsoft\ Windows\CurrentV ersion\ThemeMana ger] and locate the key "ColorName".
Right cl!ck on it and select modify its value from "NormalColor" to "Metallic"
cl!ck Ok, and exit regedit and restart your computer.

Removing the Recycle Bin from the Desktop:


If you don't use the Recycle Bin to store deleted files , you can get rid of its desktop icon all together. Run Regedit and go to:



HKEY_LOCAL_MACHINE/ SOFTWARE/ Microsoft/ Windows/CurrentV ersion/explorer/ Desktop/NameSpace

Windows Xp Registry Tips & Tweaks

Modifying the Disk Check Autochk.exe Time-out (Scandisk Delay) Value from 10 seconds to 3 Seconds
[HKEY_LOCAL_MACHINE\SYSTEM\CurrentControlSet\Contro l\Session Manager]
"AutoChkTimeOut"=dword:00000003
Disable Automatic Restart in the event of a System Crash / BSOD
[HKEY_LOCAL_MACHINE\SYSTEM\CurrentControlSet\Contro l\CrashControl]
"AutoReboot"=dword:00000000
Disable The Windows XP Desktop Cleanup Wizard (Unused Desktop Shortcuts)
[HKEY_CURRENT_USER\Software\Microsoft\Windows\Curre ntVersion\Explorer\Desktop\CleanupWiz]
"NoRun"=dword:00000001
Speed up Network Browsing by Removing Network Scheduled Tasks
[-HKEY_LOCAL_MACHINE\SOFTWARE\Microsoft\Windows\Curr entVersion\Explorer\RemoteComputer\NameSpace\{D627 7990-4C6A-11CF-8D87-00AA0060F5BF}]
Disables Windows Take A Tour Bubble Popup
[HKEY_LOCAL_MACHINE\Software\Microsoft\Windows\Curr entVersion\Applets\Tour]
"RunCount"=dword:00000000
Disable Remote Registry Service (Remote users to modify registry settings on your computer. Now registry can be modified only by users on your computer)
[HKEY_LOCAL_MACHINE\SYSTEM\CurrentControlSet\Servic es\RemoteRegistry]
"Start"=dword:00000004
Removes the Recent Documents from the Start menu. The system saves a shortcut to each of the non-program files the user opened most recently, and it displays the shortcuts on the Recent Documents.
[HKEY_CURRENT_USER\Software\Microsoft\Windows\Curre ntVersion\Policies\Explorer]
"NoRecentDocsMenu"=dword:00000001
Classic Search, Full Path In Title Bar And Address Bar. This allows you to disable the new Search Assistant Dog and use the traditional search interface in Windows Explorer
[HKEY_CURRENT_USER\Software\Microsoft\Windows\Curre ntVersion\Explorer\CabinetState]
"FullPath"=dword:00000000
"FullPathAddress"=dword:00000001
"Use Search Asst"="no"
"Settings"=hex:0c,00,02,00,1b,01,e7,77,60,00,0 0,00
Have you ever wanted to Rename Recycle Bin ? This Tweak Allows Renaming of Recycle Bin
[HKEY_CLASSES_ROOT\CLSID\{645FF040-5081-101B-9F08-00AA002F954E}\ShellFolder]
"Attributes"=hex:50,01,00,20
"CallForAttributes"=dword:00000000
Are you getting 'Low Disk Space Notification' ? This Disables Low Diskspace Warnings
[HKEY_CURRENT_USER\Software\Microsoft\Windows\Curre ntVersion\Policies\Explorer]
"NoLowDiskSpaceChecks"=dword:00000001
Do you want to Speedup the Windows XP Start Menu?
[HKEY_CURRENT_USER\Control Panel\Desktop]
"MenuShowDelay"="2"
Maximize Your Internet Explorer's Simultaneous Downloads From 2 to 10 Connections
[HKEY_CURRENT_USER\Software\Microsoft\Windows\Curre ntVersion\Internet Settings]
"MaxConnectionsPer1_0Server"=dword:0000000a
"MaxConnectionsPerServer"=dword:0000000a
Remove the Queue-it-up, Burn to CD right cl!ck options on Windows Media Player files.
[-HKEY_CLASSES_ROOT\CLSID\{CE3FB1D1-02AE-4a5f-A6E9-D9F1B4073E6C}]
[-HKEY_CLASSES_ROOT\CLSID\{F1B9284F-E9DC-4e68-9D7E-42362A59F0FD}]
[-HKEY_CLASSES_ROOT\CLSID\{8DD448E6-C188-4aed-AF92-44956194EB1F}]
Removes Sign up with Passport Wizard when trying to sign in MSN Messenger First time
[HKEY_CURRENT_USER\Software\Microsoft\Windows\Curre ntVersion\Internet Settings\Passport]
"RegistrationCompleted"=dword:00000001
Disables Preview (Thumbnails) of Movie File Formats (Allowing You To Move/Rename/Delete without Errors)
[-HKEY_CLASSES_ROOT\.avi\ShellEx]
[-HKEY_CLASSES_ROOT\.mpg\ShellEx]
[-HKEY_CLASSES_ROOT\.mpe\ShellEx]
[-HKEY_CLASSES_ROOT\.mpeg\ShellEx]
[-HKEY_CLASSES_ROOT\.mov\ShellEx]
Open Explorer From My Computer or Any Folder (Power users love this)
[HKEY_CLASSES_ROOT\Folder\shell]
@="explore"
Remove 'Shortcut To ...' Prefix when you create new Shortcut
[HKEY_CURRENT_USER\Software\Microsoft\Windows\Curre ntVersion\Explorer]
"link"=hex:00,00,00,00
This **** 'Command Prompt here' on Right cl!ck Menu (When you right cl!ck on a Drive/Folder)
[HKEY_CLASSES_ROOT\Directory\shell\Command Prompt Here]
@="Command &Prompt Here"
[HKEY_CLASSES_ROOT\Directory\shell\Command Prompt Here\command]
@="cmd.exe /k cd %1 "
[HKEY_CLASSES_ROOT\Drive\shell\Command Prompt Here]
@="Command &Prompt Here"
[HKEY_CLASSES_ROOT\Drive\shell\Command Prompt Here\command]
@="cmd.exe /k cd %1 "
Remove Shared Documents folders from My Computer System Folder
[-HKEY_LOCAL_MACHINE\SOFTWARE\Microsoft\Windows\Curr entVersion\Explorer\MyComputer\NameSpace\DelegateF olders\{59031a47-3f72-44a7-89c5-5595fe6b30ee}]
Disable the Unread Mail Message on the Welcome Screen
[HKEY_CURRENT_USER\Software\Microsoft\Windows\Curre ntVersion\UnreadMail\]
"MessageExpiryDays"=dword:00000000
Disable Compress Old Files (This is useful when Disk Cleanup Tool Stops Responding While Compressing Old Files)
[-HKEY_LOCAL_MACHINE\SOFTWARE\Microsoft\Windows\Curr entVersion\Explorer\VolumeCaches\Compress old files]
Windows Explorer Crashes When Opening Folder Containing avi/video files
[-HKEY_CLASSES_ROOT\CLSID\{87D62D94-71B3-4b9a-9489-5FE6850DC73E}]
[-HKEY_CLASSES_ROOT\SystemFileAssociations\.avi\shel lex\PropertyHandler]
[-HKEY_LOCAL_MACHINE\SOFTWARE\Classes\CLSID\{87D62D9 4-71B3-4b9a-9489-5FE6850DC73E}\InProcServer32]

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Send Out Executable Files Via Gmail

As a security measure to prevent the intrusion of potential viruses, Gmail strictly disallows users to send and receive executable files (files with the extension ".exe", ".dll", ".ocx" or ".bat") in its policy. If you try to send these files, Gmail will send you an error message: "This is an executable file. For security reasons, Gmail does not allow you to send this type of file." You might try to zip or compress the files into other formats such as ".zip", ".tar", ".tgz", ".taz", ".z" or ".gz". However, your Gmail account will bounce back your message. How to send executable files with your Gmail account if you really need to do so?

Of course the easiest way is to use other email services such as Yahoo to send your important executable files. However, if you are still set on using Gmail to send your executable files, there are a few ways you can try: -

1. You can rename your executable files from the "exe" extension to other formats such as "doc", "jpeg", etc. For instance, your file name is happy.exe; just rename your file to happy.doc and send it over to the receivers. Once the receivers have received the files, they just need to change the extension back to the original file extension.

2. The other way you can try is upload your executable files to some free file hosting service such as DivShare or Rapidshare. Copy down the link and send it to the receivers. It's pretty straightforward.

3. The last option you can try is to compress your executable file by using Winrar. Gmails doesn't scan files in the RAR format. You can send the file out without a problem. However, you must make sure your receivers can open the RAR files

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[Release] Evony Spammer 1.1

This is a very simple to use chat spammer, I guarantee it will get you referrals, in less than 1 hour I got 37 referrals to Points2Shop.

- You need Auto Hot Key to edit the script to make a message to spam.
Thanks to Marshman for teaching me all that I know on AHK.

To edit the message that is spammed on the chatroom, press "Ctrl + F" and search "Enter Text Here" Erase it and put something along the lines of "Want Free Evony Coins, WoW Time Cards, and Cold Hard Cash?! Sign up to myreflink.tk! And Do simple, free surveys!"




Make sure you use tinyurl/dot.tk (they dont allow .com, so put (.)com

Please do not rape Evony
I decided to release this to the public to share the love, dont constantly use it, let others enjoy referrals too! :]



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Download bot

*Sometimes you will be directed to the incorrect website, just restart the bot.

*Do not minimize to tray, it unfortunatly doesnt work and ill make it to where it does on any updates or versions.

*You can make more emails on the Mail.txt list, even fake ones

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pay with paypal





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Made in China





















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Hulk





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Digital Video For Dummies, 3rd Edition


Digital Video For Dummies, 3rd Edition

Keith Underdahl

ISBN: 978-0-7645-5899-3
Adobe E-Book
November 2003


* Digital media sales represent a growing market in consumer technology; in previous editions, this book has been the top-selling reference for digital video beginners
* Fully revised and completely focused on consumer digital video users and editors who have little to no experience with the equipment
* Walks readers through the basics of selecting equipment, installing software and hardware, shooting good video, getting files into a PC, editing, and outputting to the Internet, videotape, or a DVD

Download

Code:
http://rapidshare.com/files/141295218/Digital.Video.Dummies.rar
Code:
http://rapidshare.com/files/141339665/Digital.Video.Dummies.rar
Pw: mainp