Cool and Crazy Birthday Fonts

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Hack Facebook Chat History

1) Open Friends profile.
2) Right Click on the Poke and Select Copy Link Location. Now we have the ID in our Clipboard.
3) This will exactly look like :
 http://www.facebook.com/profile.php?id=XYZ
( where XYX can be any numbers and this XYZ is nothing but the ID ).
4) Now in the Address Bar type "javascript:Chat.openTab(XYZ)" (without qoutes) and press Enter.
5) Now it is done.
6) You can see full Chat History now.

24 Mortgage Tips and Tricks [13-24]

13. Stay informed – don’t forget about your mortgage
With any long-term commitment, there is always the temptation to let your mortgage roll
along, make your repayments as they fall due and think as little about it as possible. As long as you keep up the repayments, there’s not much else you need to do, right?

14. Get a cheap rate and invest the difference
When interest rates are low, like now, it is usually safe to say that inflation is also low. Thus, bricks and mortar may not be the best place to invest. Try getting the cheapest home loan you can find and make the minimum repayment. This allows you to use the extra cash to invest in other, more profitable areas.

15. Run an offset account
Instead of earning interest, any money you have in your offset account works to offset the
interest you are paying on your home loan. For example you may have a mortgage of
$300,000 at 7.07 percent and an offset account with $50,000 in it earning 3 percent.

16. Pay all your mortgage fees and charges up front
Some lenders allow you to add the amount you borrow instead of coming up with cash for
your upfront costs. While this can seem a blessing try to avoid doing this.

17. Pay your first installment before it’s due
With most new loans, the first installment may not become due for a month after settlement. If you can manage it (and your lender will let you), pay the first installment in the settlement date. If you do this, you will be one step ahead of the lender for the term of your loan. Every little bit counts.

18. Shop around and make sure your lender knows it
One of the most powerful tools you can have in the search for the best home loan is
information. Make sure you have rung half a dozen lenders and brokers (as well done some internet research) before you start talking to your preferred lender about getting a new loan or refinancing your existing loan.

19. Make sure your loan is portable
If there is any chance that you will move house during the course of your loan (and let’s face it, there is a strong chance), make sure that your lender will allow you to transfer your loan to a new property and that it won’t charge you the earth for the privilege.

20. Avoid bringing finance
Someone once said bringing finance is so called because it allows you to “pylon” the debt.
The joke’s appalling, but so is bringing the finance. Unless you get your timing right you could find yourself with two home loans at the same time – with the bringing finance element costing you an extra couple of percent premium on the standard variable rate.

21. Choose the loan that suits your needs
Choosing a loan is about knowing what you want. Draw up a table of potential home loans
and rank them. Make a list of all the features that are important to you and rank them
according to importance. Give each feature a score out of 5 – one for unimportant right
through 5 for indispensable.

22. Don’t be afraid of smaller lenders with cheap rates
Since the advent of the mortgage managers over the past five or six years there’s been a lot
of talk about smaller and “non-traditional lenders” and how they have forced interest rates
down. With the property boom, plenty of opportunities sprang up for smart lenders with low fees willing to take on traditional lenders and many have done very well indeed.

23. Find out if your profession will get you a discount
Some lenders offer discounts to specific professional groups or members of professional
organizations. Ask your lender if your occupation qualifies you for any discount. You might be pleasantly surprised.

24. Read all about it
Information is your greatest weapon against the mortgage monkey, which has taken up (or is about to take up), residence on your back. By staying informed about what is going on in the home loan market, you might be able to stay a step or two ahead of your lender. And if you can stay one step ahead, you are already on your way to paying of your mortgage faster.

24 Mortgage Tips and Tricks [1-12]

1. Skip the honeymoon
Beware of lenders bearing gifts. Introductory or honeymoon rates have long been an
important marketing tool for lenders. You are initially offered a cheap rate on your loan to get you in the door but once the honeymoon period is over, the lender will switch you to a higher variable rate of interest.

2. Make repayments at a higher rate
A good way to get ahead of your mortgage commitments is to pay it off as if you have a
higher rate of interest. Get a loan at the lowest rate you can and add 2 or 3 points to your
repayment amount. So if you have a loan at about 7 percent and pay it off at 10 percent,
you won’t even notice if rates go up. Best of all, you’ll be paying off your loan quicker and
saving yourself a packet.

3. Pay it off quickly
Time is money. There are all sorts of strategies for paying less interest on your loan, but most of them boil down to one thing: Pay your loan off as fast as you can. For example, if take out a loan of $300,000 at 7.07 percent for 25 years, your repayment will be about $2,134. This equates to a total repayment of $640,126 over the term of your loan.

4. Make more frequent payments
The simple in life are often the best. One of the simplest and best strategies for reducing the
term and cost of your loan (and thus your exposure should interest rates rise) is to make your repayment on a fortnightly rather than monthly basis. How can this make a difference I hear you ask?

5. Hit the principal early
Over the first few years of your mortgage, it may seem that you are only paying interest and the principal isn’t reducing at all. Unfortunately, you’re probably right, as this is one of the unfortunate effects of compound interest. So you need to try everything you can to get some of the principal repaid early and you’ll notice the difference.

6. Get a package
Speak to your lender about the financial packages they have on offer. Common inclusions
are discounted home insurance, fee-free credit cards, a free consultation with a financial
adviser or even a fee-free transaction account. While these things may seem small beer
compared to what you are paying on your home loan, every little bit counts and so you can
use the little savings on other financial services to turn them into big savings on your home
loan.

7. Consolidate your debts
One of the best ways of ensuring you continue to pay off your loan quickly is to protect
yourself against interest rate rises. If your home loan rate starts to rise, you can be absolutely positive about one thing – your personal loan rate will rise and so will your credit card rate and any hire purchase rate you happen to have.

8. Split your loan
Many borrowers worry about interest rates and whether they will go up but don’t want to be tied down by a fixed loan. A good compromise is a split loan, or combination loan as they are often known, which allows you to take part of your loan as fixed and part as variable. Essentially this allows you to hedge your bets as to whether interest rates are going to rise and by how much.

9. Make your mortgage your key to financial product
Mortgage products known as all-in-one loans or 100 percent offset loans allow you to use
your mortgage as your key financial product. This means you have one account into which
you can pay all of your income and draw from your living expenses by using a credit card,
EFTPOS or a chequebook, as well as making your mortgage repayments.

10. Use your equity
If you have already paid off some of your home, you are said to have equity. Equity is the
difference between the current value of your property and the amount you owe the lender.
For example, if you have a property worth $500,000 on which you owe $150,000, you are said to have home equity of $350,000, which you can re-borrow without having to go through the approval process by accessing it through your existing loan.

11. Switch to a lender with a lower rate
It may sound like a simple idea but switching out of your current loan and taking out a loan at a lower rate can mean the difference of years and thousands of dollars. If you have a loan that is tricked up with all the features, or even if you have a standard variable loan, you might find that you could get a no frills rate that is as much as a percentage point cheaper than your current loan.

12. Forgo those minor luxuries
This is the bit you don’t want to read. Once you have a mortgage, your life is likely to be
luxury-free (or at least pretty close it it). Think of all the weight you will lose by giving up your favorite indulgent snack. For the sake of your health you should quit smoking and drink less anyway. Take your lunch from home and save on bad fast food. Trust me, your body will thank you for it.

Signs of ancient stream discovered on Mars by Curiosity

The NASA rover Curiosity has beamed back pictures of bedrock that suggest a fast-moving stream, possibly waist-deep, once flowed on Mars -- a find that the mission's chief scientist called exciting.

There have been previous signs that water existed on the red planet long ago, but the images showing pebbles rounded off, probably by water, offered the most convincing evidence so far of an ancient stream-bed.

World's top 100 universities 2012

	2012 reputation rank	2011 reputation rank	University	Country	2011-12 World University Rankings position
.	1	1	Harvard University	United States	2
.	2	2	Massachusetts Institute of Technology	United States	7
.	3	3	University of Cambridge	United Kingdom	6
.	4	5	Stanford University	United States	2
.	5	4	University of California, Berkeley	United States	10
.	6	6	University of Oxford	United Kingdom	4
.	7	7	Princeton University	United States	5
.	8	8	University of Tokyo	Japan	30
.	9	12	University of California, Los Angeles	United States	13
.	10	9	Yale University	United States	11
.	11	10	California Institute of Technology	United States	1
.	12	13	University of Michigan	United States	18
.	13	11	Imperial College London	United Kingdom	8
.	14	15	University of Chicago	United States	9
.	15	23	Columbia University	United States	12
.	16	16	Cornell University	United States	20
.	16	17	University of Toronto	Canada	19
.	18	14	Johns Hopkins University	United States	14
.	19	22	University of Pennsylvania	United States	16
.	20	18	Kyoto University	Japan	52
.	21	19	University College London	United Kingdom	17
.	22	24	Swiss Federal Institute of Technology Zürich	Switzerland	15
.	23	21	University of Illinois at Urbana Champaign	United States	31
.	23	27	National University of Singapore	Singapore	40
.	25	31	University of British Columbia	Canada	22
.	25	29	McGill University	Canada	28
.	27	25	University of Wisconsin-Madison	United States	27
.	28	26	University of Washington	United States	25
.	29	37	London School of Economics and Political Science	United Kingdom	47
.	30	35	Tsinghua University	China	71
.	31	34	University of California, San Francisco	United States	#N/A
.	32	31	University of Texas at Austin	United States	29
.	33	36	Duke University	United States	22
.	34	51-60	New York University	United States	44
.	35	40	Northwestern University	United States	26
.	36	30	University of California, San Diego	United States	33
.	37	28	Carnegie Mellon University	United States	21
.	38	43	Peking University	China	49
.	39	42	The University of Hong Kong	Hong Kong	34
.	39	19	University of Massachusetts	United States	64
.	41	39	Georgia Institute of Technology	United States	24
.	42	48	Ludwig-Maximilians-Universität München	Germany	45
.	43	45	University of Melbourne	Australia	37
.	44	51-60	Australian National University	Australia	38
.	44	38	University of California, Davis	United States	38
.	46	41	University of North Carolina at Chapel Hill	United States	43
.	47	43	University of Minnesota	United States	42
.	47	47	Purdue University	United States	98
.	49	45	University of Edinburgh	United Kingdom	36
.	50	51-60	The University of Sydney	Australia	58
.	51-60	49	Delft University of Technology	Netherlands	104
.	51-60	51-60	Karolinska Institute	Sweden	32
.	51-60	61-70	University of Manchester	United Kingdom	48
.	51-60	51-60	The Ohio State University	United States	57
.	51-60	50	Osaka University	Japan	119
.	51-60	61-70	Pennsylvania State University	United States	51
.	51-60	51-60	University of California, Santa Barbara	United States	35
.	51-60	51-60	Seoul National University	Korea, Republic of	124
.	51-60	51-60	Tohoku University	Japan	120
.	51-60	51-60	Tokyo Institute of Technology	Japan	108
.	61-70	71-80	École Polytechnique Fédérale de Lausanne	Switzerland	46
.	61-70	#N/A	Hebrew University of Jerusalem	Israel	121
.	61-70	91-100	The Hong Kong University of Science and Technology	Hong Kong	62
.	61-70	71-80	Humboldt-Universität zu Berlin	Germany	109
.	61-70	61-70	King's College London	United Kingdom	56
.	61-70	61-70	Technische Universität München	Germany	88
.	61-70	51-60	University of Pittsburgh	United States	59
.	61-70	#N/A	University of São Paulo	Brazil	178
.	61-70	71-80	University of Southern California	United States	55
.	61-70	81-90	National Taiwan University	Taiwan	154
.	71-80	81-90	University of Amsterdam	Netherlands	92
.	71-80	81-90	Universität Heidelberg	Germany	73
.	71-80	71-80	Michigan State University	United States	96
.	71-80	#N/A	Université Paris-Sorbonne	France	#N/A
.	71-80	81-90	The University of Queensland Australia	Australia	74
.	71-80	81-90	Texas A&M University	United States	164
.	71-80	61-70	Uppsala University	Sweden	87
.	71-80	71-80	Utrecht University	Netherlands	68
.	71-80	71-80	Washington University in St Louis	United States	41
.	71-80	61-70	University of Zürich	Switzerland	61
.	81-90	#N/A	Brown University	United States	49
.	81-90	#N/A	The Chinese University of Hong Kong	Hong Kong	151
.	81-90	61-70	University of Florida	United States	125
.	81-90	81-90	Katholieke Universiteit Leuven	Belgium	67
.	81-90	91-100	Korea Advanced Institute of Science and Technology	Korea, Republic of	94
.	81-90	81-90	University of Leeds	United Kingdom	133
.	81-90	81-90	Leiden University	Netherlands	79
.	81-90	71-80	Lund University	Sweden	80
.	81-90	91-100	Nanyang Technological University	Singapore	169
.	81-90	#N/A	Tel Aviv University	Israel	166
.	91-100	71-80	University of Arizona	United States	97
.	91-100	61-70	Boston University	United States	54
.	91-100	81-90	University of Bristol	United Kingdom	66
.	91-100	61-70	École Polytechnique	France	63
.	91-100	81-90	Indiana University	United States	123
.	91-100	#N/A	Middle East Technical University	Turkey	276-300
.	91-100	#N/A	Université Paris-Sud	France	#N/A
.	91-100	#N/A	Université Pierre et Marie Curie	France	84
.	91-100	71-80	Rutgers, The State University of New Jersey	United States	81
.	91-100	#N/A	Wageningen University and Research Center	Netherlands	75

England v/s West Indies T20 WC 2012

ICC World Twenty20 - 14th match, Group 1

England v West Indies

• T20I no. 276 | 2012/13 season
• Played at Pallekele International Cricket Stadium (neutral venue)
• 27 September 2012 - day/night (20-over match) 

West Indies won by 15 runs

Ke$ha

Kesha Rose Sebert, known professionally as Kesha, is an American singer-songwriter and rapper. In 2005, at age 18, Kesha was signed to producer Dr. Luke's record label, Kemosabe Entertainment, and publishing company. Wikipedia

Ke$ha says her new song "Supernatural" is about her "erotic experiences" ... with a ghost. "It's about experiences with the supernatural... but in a sexy way," she told Ryan Seacrest on his KIIS FM radio show. "I had a couple of experiences with the supernatural. I don't know his name! He was a ghost! I'm very open to it."

Born: March 1, 1987 (age 25), Los Angeles Full name: Kesha Rose Sebert Height: 1.78 m Education: Brentwood High School

Tik Tok	2009	Tik Tok
We R Who We R	2010	Animal + Cannibal
Blow	2010	Animal + Cannibal
Your Love Is My Drug	2010	Animal
Take It Off	2010	Animal
Cannibal	2010	Animal + Cannibal
Blah Blah Blah	2010	Animal
Kiss N Tell	2010	Animal
Animal	2010	Animal
The Harold Song	2010	Animal + Cannibal
Dancing With Tears In My Eyes	2010	Animal
D.I.N.O.$.A.U.R.	2010	Animal
Sleazy	2010	Animal + Cannibal
Crazy Beautiful Life	2010	Cannibal
Right Round	2009	Now!, Vol. 14