Saturday, March 20, 2010
Several product give the guarantee and we can try to use for several days or weeks. It's very nice service, we can try the products first. Most of internet shopping, it need a credit card or something like that.
Saturday, February 27, 2010
What is Interest?
If you borrow $5,000 from your grandma and promise to pay her back in six months, you might return $5,000 to her a year later. Grandma would probably be happy with that because she loves you. But if you wanted to borrow $5,000 from a bank, you know you would not get off the hook nearly as easily. The bank would almost definitely expect regular monthly payments, and would absolutely expect to be compensated in the form of interest. But compensated for what? So long as you pay back the money, why should the bank deserve any extra compensation?
Interest is first and foremost, compensation for what is known as "default risk." When you borrow money from the bank, there is a chance you won't pay it back. There's an even greater chance that you won't pay it back in full, or that the bank will spend time and money bugging you about late payments. If not for interest, it would only take one missed payment by one borrower for the bank to lose money. Therefore, the bank must charge interest in order to offset deadbeat debtors and make a little (or not so little) profit for itself. Otherwise, why be in business?
Secondly, interest is charged on loans because the use of money is "mutually exclusive." If the bank has only $5,000 in its vault, it can't lend $5,000 to you and to your sister. (Actually it can, but how banks are able to do this is well beyond the scope of this article). Imagine your friend wanted to borrow $50 from you, but if you lent the money to him, you wouldn't be able to take your girlfriend out to a fancy dinner. How much "compensation" would make lending him the money worth it to you? How much would you have to add in to cover his "default risk?"
A third reason that interest must be charged is inflation. If you borrowed $5,000 in 1966 and paid it back in full 40 years later, much of the value of the money would have evaporated. In order to replace the buying power that $5,000 had in 1966, you'd have to come up with more than $31,000 in 2006 dollars. Inflation is a constant fact of life in America (and around the world), so at the very least, interest must offset it. In recent times, inflation in the US has been hovering around 3 percent per year.
How Do Credit Card Companies Determine Interest Rates?
Credit card companies exist to make money, and they do this by charging interest and fees. In order to attract the most business possible, they offer different interest rates and fee schedules to different people. In business lingo, this is called "price discrimination," but don't bother contacting your lawyer - this form of discrimination is perfectly legal (if a bit unfair at times).
Credit card companies consider your default risk, the cost of lending (taking into account the mutual exclusivity of money use), and inflation expectations in determining the interest rate you will pay. Obviously, only default risk is unique to you, and it is determined by your credit history. The better your credit, the lower the interest rate you'll be offered.
Those methods give us discover the secret to losing weight with own technique. As an example, hypnosis give the method that can use to reduce weight.
Thursday, February 25, 2010
We can make an ebook and distribute it in the internet for share information with other. This is another alternative in addition to convey information using blogs.
Sunday, December 6, 2009
please go to source to get full information here
1. Full scholarship:
- Exemption from registration fees, tuition fees, laboratory experiment fees, any internship fees, and costs of basic course materials and accommodation on campus;
- Living allowance;
- One-off settlement subsidy provided following registration;
- Out-patient medical services charges together with membership of the national Comprehensive Medical Insurance and Benefit Plan for International Students in China.
1) Students are personally liable for expenditure on any laboratory experiments or internship costs over and above those arranged by the university.
2) Students are personally liable for expenditure on any course or other materials over and above those prescribed by the host institution.
3) A monthly living allowance is paid by the host institution to scholarship students at the following rates (CNY Yuan per month):
- Master’s degree students: CNY 1,700 Yuan
- Doctoral students: CNY 2,000 Yuan
4) The one-off settlement subsidy for new students who enrol for one or more years will be of CNY 1,500
5) Re-imbursement of out-patient medical services refers to such expenses incurred at the institution’s hospital or at a hospital appointed by the institution. Students may be required to pay a certain percentage of such expenses in accordance with the relevant regulations imposed by the host institution.
6) The Comprehensive Medical Insurance and Benefit Plan for International Students in China is provided by MOE to cover hospitalisation in the event of serious illness or accidental injury.
7) Students are personally liable for their international travel expensesdetail of Postgraduate Study Project Chinese Government Scholarships can found at link above, dont forget to visit source of Chinese Government Scholarships Postgraduate Study Project.
Student fellowship Ghiloni Oncology Nursing, the detail information can found at http://www.mghcareers.org
Founded in 1811, Massachusetts General Hospital is the third-oldest general hospital in the country, and the oldest and largest in New England. The 907-bed world-renowned medical center offers sophisticated diagnostic and therapeutic care in virtually every specialty and subspecialty of medicine and surgery. The largest teaching hospital of Harvard Medical School, MGH is on the cutting edge of patient care, research and medical education. It is the largest nongovernment employer in the city of Boston, with more than 21,500 employees.
MGH is among the leading medical institutions continuously recognized by U.S. News & World Report’s annual honor roll of America’s best hospitals. In 2009, MGH ranked fifth nationally, with MGH Psychiatry ranking first in that specialty for the 14th consecutive year. MGH has been named to the list since the publication began conducting the survey in 1990.
For detail information about Student Fellowship Ghiloni Oncology Nursing we can go to to the source mentioned above.
Qualified candidates will be in academic good standing (3.0 GPA or higher preferred) and entering senior year of a BSN program in the Fall of 2010.
Saturday, June 27, 2009
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