Are All Of You Guys Done With this Problem
The Philippines GrandChase Section [Season2]
03/30/2011 08:35
ToraKun#5116
03/30/2011 08:36
.Sincere#5117
Oh my, here's spammer again!
LOL
LOL
03/30/2011 08:37
burugu#5118
or is it just me.. D:Quote:
@taec.. is nagc still in maintainance?
03/30/2011 08:37
Taec#5119
Lol..So fun Elsword.
03/30/2011 08:38
teaball#5120
@tora almost. but its summer now. so nothing like that for now
03/30/2011 08:38
.Sincere#5121
@Taec
Yeah
I'm not a pervert but, after you finish a dungeon with Rena, you see her boobies bounce @_@
Yeah
I'm not a pervert but, after you finish a dungeon with Rena, you see her boobies bounce @_@
03/30/2011 08:41
†iScream†#5122
gud aftie guys xD
03/30/2011 08:41
zhengyipeng#5123
Have you ever wondered why[Only registered and activated users can see links. Click Here To Register...] when you go to the gas station to fill up the family[Only registered and activated users can see links. Click Here To Register...] car, the price of gas at the pump has just jumped 25 cents a gallon over the [Only registered and activated users can see links. Click Here To Register...]past three days? Perhaps you thought the oil [Only registered and activated users can see links. Click Here To Register...]companies were just being greedy. Or you believed the nightly news pundit who said that gas prices went up because the crisis in Libya was affecting supplies [Only registered and activated users can see links. Click Here To Register...]of oil. One professional oil[Only registered and activated users can see links. Click Here To Register...]trader says that you'd be wrong on both counts.
Dan Dicker, who has spent nearly [Only registered and activated users can see links. Click Here To Register...]three decades in the oil market, has a profoundly disturbing explanation of why the price of oil, and the gasoline[Only registered and activated users can see links. Click Here To Register...]that comes from the crude product, has risen[Only registered and activated users can see links. Click Here To Register...]so dramatically in recent months. It turns out, Dicker says, that the price has nothing to do with supply and demand for oil. It's the financial market [Only registered and activated users can see links. Click Here To Register...]for oil, filled with both professional speculators and amateur investors betting on poorly understood oil[Only registered and activated users can see links. Click Here To Register...]exchange-traded funds, who have ratcheted up the price of gas to such sky high[Only registered and activated users can see links. Click Here To Register...]levels.
"There is no supply issue going [Only registered and activated users can see links. Click Here To Register...]on here - what you have is the perception of[Only registered and activated users can see links. Click Here To Register...] the possibility of a supply issue," [Only registered and activated users can see links. Click Here To Register...] Dicker says. "A whole bunch of people are pouring money into an oil market[Only registered and activated users can see links. Click Here To Register...] trying to take advantage of what they perceive[Only registered and activated users can see links. Click Here To Register...]to be a real risk in supply. It's a marketplace that I argue should not be [Only registered and activated users can see links. Click Here To Register...]allowed to be wagered on[Only registered and activated users can see links. Click Here To Register...]like a stock or bond."
Dicker notes that Libya produces [Only registered and activated users can see links. Click Here To Register...]only 1.3 million barrels of oil a day,[Only registered and activated users can see links. Click Here To Register...]just a tiny fraction of the world oil market. Even if Libyan crude were lost to the world market in the[Only registered and activated users can see links. Click Here To Register...]current turmoil, and there is no sign that it is, Saudi [Only registered and activated users can see links. Click Here To Register...] Arabia has 5 million barrels a day [Only registered and activated users can see links. Click Here To Register...]to use in case of an emergency.
Dicker, who has just [Only registered and activated users can see links. Click Here To Register...]published a book called <em>Oil's Endless Bid: Taming The Price of Oil To Secure Our</em>[Only registered and activated users can see links. Click Here To Register...]<em> Economy</em>, makes a strong case that if the government [Only registered and activated users can see links. Click Here To Register...]stepped in and regulated oil trading so that only[Only registered and activated users can see links. Click Here To Register...]investors with a genuine interest in the physical product, such as airlines[Only registered and activated users can see links. Click Here To Register...] and heating oil companies, could buy and[Only registered and activated users can see links. Click Here To Register...]sell oil futures, then the price of oil would fall by 50% overnight and our economy would be much better off.
Dan Dicker, who has spent nearly [Only registered and activated users can see links. Click Here To Register...]three decades in the oil market, has a profoundly disturbing explanation of why the price of oil, and the gasoline[Only registered and activated users can see links. Click Here To Register...]that comes from the crude product, has risen[Only registered and activated users can see links. Click Here To Register...]so dramatically in recent months. It turns out, Dicker says, that the price has nothing to do with supply and demand for oil. It's the financial market [Only registered and activated users can see links. Click Here To Register...]for oil, filled with both professional speculators and amateur investors betting on poorly understood oil[Only registered and activated users can see links. Click Here To Register...]exchange-traded funds, who have ratcheted up the price of gas to such sky high[Only registered and activated users can see links. Click Here To Register...]levels.
"There is no supply issue going [Only registered and activated users can see links. Click Here To Register...]on here - what you have is the perception of[Only registered and activated users can see links. Click Here To Register...] the possibility of a supply issue," [Only registered and activated users can see links. Click Here To Register...] Dicker says. "A whole bunch of people are pouring money into an oil market[Only registered and activated users can see links. Click Here To Register...] trying to take advantage of what they perceive[Only registered and activated users can see links. Click Here To Register...]to be a real risk in supply. It's a marketplace that I argue should not be [Only registered and activated users can see links. Click Here To Register...]allowed to be wagered on[Only registered and activated users can see links. Click Here To Register...]like a stock or bond."
Dicker notes that Libya produces [Only registered and activated users can see links. Click Here To Register...]only 1.3 million barrels of oil a day,[Only registered and activated users can see links. Click Here To Register...]just a tiny fraction of the world oil market. Even if Libyan crude were lost to the world market in the[Only registered and activated users can see links. Click Here To Register...]current turmoil, and there is no sign that it is, Saudi [Only registered and activated users can see links. Click Here To Register...] Arabia has 5 million barrels a day [Only registered and activated users can see links. Click Here To Register...]to use in case of an emergency.
Dicker, who has just [Only registered and activated users can see links. Click Here To Register...]published a book called <em>Oil's Endless Bid: Taming The Price of Oil To Secure Our</em>[Only registered and activated users can see links. Click Here To Register...]<em> Economy</em>, makes a strong case that if the government [Only registered and activated users can see links. Click Here To Register...]stepped in and regulated oil trading so that only[Only registered and activated users can see links. Click Here To Register...]investors with a genuine interest in the physical product, such as airlines[Only registered and activated users can see links. Click Here To Register...] and heating oil companies, could buy and[Only registered and activated users can see links. Click Here To Register...]sell oil futures, then the price of oil would fall by 50% overnight and our economy would be much better off.
03/30/2011 08:43
.Sincere#5124
^WHATS THIS FOR?
03/30/2011 08:43
zhengyipeng#5125
The Supreme Court appears ready to[Only registered and activated users can see links. Click Here To Register...] block a massive sex discrimination lawsuit against Wal-Marton behalf of up to 1.6 million women, and that [Only registered and activated users can see links. Click Here To Register...]could make it harder for other workers nationwide to bring class-action[Only registered and activated users can see links. Click Here To Register...]claims against large employers.
The 10-year-old lawsuit, argued in lively exchanges[Only registered and activated users can see links. Click Here To Register...] at the court Tuesday, claims that Wal-Mart Stores Inc., the world's[Only registered and activated users can see links. Click Here To Register...] largest employer, favors men over women in pay and promotions. Billions of dollars are at stake if it is allowed to go[Only registered and activated users can see links. Click Here To Register...] forward.
The case also could affect the future of other[Only registered and activated users can see links. Click Here To Register...]class-action lawsuits that pool modest individual claims into a single action that[Only registered and activated users can see links. Click Here To Register...] creates the potential for a large judgment and increases the pressure on businesses to settle.
In Tuesday's arguments, several justices suggested [Only registered and activated users can see links. Click Here To Register...]they were troubled by the case and lower court decisions against [Only registered and activated users can see links. Click Here To Register...]Bentonville, Ark.-based Wal-Mart. Estimates of how many women could be included in the lawsuit run from 500,000 to [Only registered and activated users can see links. Click Here To Register...]1.6 million.
Justice Anthony Kennedy, often[Only registered and activated users can see links. Click Here To Register...] a key vote on the high court, said the women's argument points in apparently[Only registered and activated users can see links. Click Here To Register...]conflicting directions.
"You said this is a culture where Arkansas knows, the[Only registered and activated users can see links. Click Here To Register...] headquarters knows, everything that's going on," Kennedy said to Joseph [Only registered and activated users can see links. Click Here To Register...]Sellers, the women's lawyer. "Then in the next breath, you say, well, now these supervisors have too much [Only registered and activated users can see links. Click Here To Register...]discretion. It seems to me there's an inconsistency there, and[Only registered and activated users can see links. Click Here To Register...] I'm just not sure what the unlawful policy is."
Sellers said that lower courts had been persuaded by statistical [Only registered and activated users can see links. Click Here To Register...]and other evidence put forth so far in the lawsuit. He said Wal-Mart's[Only registered and activated users can see links. Click Here To Register...] strong corporate culture stereotypes women as less aggressive than[Only registered and activated users can see links. Click Here To Register...] men and that translates into individual pay and promotion decisions at the more than 4,300 Wal-Mart and Sam's[Only registered and activated users can see links. Click Here To Register...]Club stores across the country.
"The decisions are informed[Only registered and activated users can see links. Click Here To Register...] by the values the company provides," Sellers said.
Justice Antonin Scalia said he felt "whipsawed" by Sellers' [Only registered and activated users can see links. Click Here To Register...]description. "Well, which is it?" Scalia asked. Either[Only registered and activated users can see links. Click Here To Register...] individual managers are on their own, "or else a strong corporate culture tells them what to do."
Justice Ruth Bader[Only registered and activated users can see links. Click Here To Register...] Ginsburg said that at this stage of the lawsuit, the issue is not proving discrimination but showing enough evidence to go[Only registered and activated users can see links. Click Here To Register...] forward. "We're talking about getting a[Only registered and activated users can see links. Click Here To Register...] foot in the door," Ginsburg said, a standard she called not hard to meet.
Ginsburg, who made her name as a lawyer by bringing [Only registered and activated users can see links. Click Here To Register...]discrimination claims, said it was possible that Wal-Mart could refute[Only registered and activated users can see links. Click Here To Register...] the claims at a trial.
The court's other two female justices, Elena Kagan and Sonia Sotomayor, and Justice Stephen Breyer also appeared inclined to allow the lawsuit to[Only registered and activated users can see links. Click Here To Register...] proceed.
But several of their more [Only registered and activated users can see links. Click Here To Register...]conservative colleagues appeared to agree with Theodore Boutrous Jr., representing Wal-Mart, that even subjecting [Only registered and activated users can see links. Click Here To Register...]the company to a trial would be unfair.
That split among the justices raised[Only registered and activated users can see links. Click Here To Register...] the prospect of an ideologically divided ruling by the court[Only registered and activated users can see links. Click Here To Register...] this summer.
Boutrous said the class-action nature of the case [Only registered and activated users can see links. Click Here To Register...]deprives the company of its legal rights because it is being[Only registered and activated users can see links. Click Here To Register...] forced to defend the treatment of female employees regardless of the jobs they[Only registered and activated users can see links. Click Here To Register...] hold or where they work.
"There is absolutely no way there can be a[Only registered and activated users can see links. Click Here To Register...] fair process here," Boutrous said.
He pointed to a group of at least 544 women who serve as store[Only registered and activated users can see links. Click Here To Register...] managers who "are alleged to be both[Only registered and activated users can see links. Click Here To Register...] discriminators and victims."
The 10-year-old lawsuit, argued in lively exchanges[Only registered and activated users can see links. Click Here To Register...] at the court Tuesday, claims that Wal-Mart Stores Inc., the world's[Only registered and activated users can see links. Click Here To Register...] largest employer, favors men over women in pay and promotions. Billions of dollars are at stake if it is allowed to go[Only registered and activated users can see links. Click Here To Register...] forward.
The case also could affect the future of other[Only registered and activated users can see links. Click Here To Register...]class-action lawsuits that pool modest individual claims into a single action that[Only registered and activated users can see links. Click Here To Register...] creates the potential for a large judgment and increases the pressure on businesses to settle.
In Tuesday's arguments, several justices suggested [Only registered and activated users can see links. Click Here To Register...]they were troubled by the case and lower court decisions against [Only registered and activated users can see links. Click Here To Register...]Bentonville, Ark.-based Wal-Mart. Estimates of how many women could be included in the lawsuit run from 500,000 to [Only registered and activated users can see links. Click Here To Register...]1.6 million.
Justice Anthony Kennedy, often[Only registered and activated users can see links. Click Here To Register...] a key vote on the high court, said the women's argument points in apparently[Only registered and activated users can see links. Click Here To Register...]conflicting directions.
"You said this is a culture where Arkansas knows, the[Only registered and activated users can see links. Click Here To Register...] headquarters knows, everything that's going on," Kennedy said to Joseph [Only registered and activated users can see links. Click Here To Register...]Sellers, the women's lawyer. "Then in the next breath, you say, well, now these supervisors have too much [Only registered and activated users can see links. Click Here To Register...]discretion. It seems to me there's an inconsistency there, and[Only registered and activated users can see links. Click Here To Register...] I'm just not sure what the unlawful policy is."
Sellers said that lower courts had been persuaded by statistical [Only registered and activated users can see links. Click Here To Register...]and other evidence put forth so far in the lawsuit. He said Wal-Mart's[Only registered and activated users can see links. Click Here To Register...] strong corporate culture stereotypes women as less aggressive than[Only registered and activated users can see links. Click Here To Register...] men and that translates into individual pay and promotion decisions at the more than 4,300 Wal-Mart and Sam's[Only registered and activated users can see links. Click Here To Register...]Club stores across the country.
"The decisions are informed[Only registered and activated users can see links. Click Here To Register...] by the values the company provides," Sellers said.
Justice Antonin Scalia said he felt "whipsawed" by Sellers' [Only registered and activated users can see links. Click Here To Register...]description. "Well, which is it?" Scalia asked. Either[Only registered and activated users can see links. Click Here To Register...] individual managers are on their own, "or else a strong corporate culture tells them what to do."
Justice Ruth Bader[Only registered and activated users can see links. Click Here To Register...] Ginsburg said that at this stage of the lawsuit, the issue is not proving discrimination but showing enough evidence to go[Only registered and activated users can see links. Click Here To Register...] forward. "We're talking about getting a[Only registered and activated users can see links. Click Here To Register...] foot in the door," Ginsburg said, a standard she called not hard to meet.
Ginsburg, who made her name as a lawyer by bringing [Only registered and activated users can see links. Click Here To Register...]discrimination claims, said it was possible that Wal-Mart could refute[Only registered and activated users can see links. Click Here To Register...] the claims at a trial.
The court's other two female justices, Elena Kagan and Sonia Sotomayor, and Justice Stephen Breyer also appeared inclined to allow the lawsuit to[Only registered and activated users can see links. Click Here To Register...] proceed.
But several of their more [Only registered and activated users can see links. Click Here To Register...]conservative colleagues appeared to agree with Theodore Boutrous Jr., representing Wal-Mart, that even subjecting [Only registered and activated users can see links. Click Here To Register...]the company to a trial would be unfair.
That split among the justices raised[Only registered and activated users can see links. Click Here To Register...] the prospect of an ideologically divided ruling by the court[Only registered and activated users can see links. Click Here To Register...] this summer.
Boutrous said the class-action nature of the case [Only registered and activated users can see links. Click Here To Register...]deprives the company of its legal rights because it is being[Only registered and activated users can see links. Click Here To Register...] forced to defend the treatment of female employees regardless of the jobs they[Only registered and activated users can see links. Click Here To Register...] hold or where they work.
"There is absolutely no way there can be a[Only registered and activated users can see links. Click Here To Register...] fair process here," Boutrous said.
He pointed to a group of at least 544 women who serve as store[Only registered and activated users can see links. Click Here To Register...] managers who "are alleged to be both[Only registered and activated users can see links. Click Here To Register...] discriminators and victims."
03/30/2011 08:44
teaball#5126
^lol
anyway PVP-ing with other members
anyway PVP-ing with other members
03/30/2011 08:44
zhengyipeng#5127
Remember how Spring was always the home-buying[Only registered and activated users can see links. Click Here To Register...] season? Don't count on that happening this year and you can[Only registered and activated users can see links. Click Here To Register...] point the finger, at least in part, at the new lending hoops buyers must jump through. According to[Only registered and activated users can see links. Click Here To Register...], one out of three home buyers will fail to get a [Only registered and activated users can see links. Click Here To Register...]mortgage this spring.
Understanding the mortgage process and meeting lenders' more[Only registered and activated users can see links. Click Here To Register...]stringent qualification requirements have become big obstacles[Only registered and activated users can see links. Click Here To Register...] for applicants, according to a survey the site conducted. Most[Only registered and activated users can see links. Click Here To Register...] recent home buyers -- 70% -- described the mortgaging process as more difficult than they expected. And those who bought homes[Only registered and activated users can see links. Click Here To Register...] during the bubble years, when mortgage loans were given out like candy at Halloween, are especially shell-shocked by the new lending[Only registered and activated users can see links. Click Here To Register...] standards.
One of the biggest problems home buyers[Only registered and activated users can see links. Click Here To Register...] run into today concern their credit scores and how, in general, they don't work to improve them before applying[Only registered and activated users can see links. Click Here To Register...] for a loan. In the same vein, a recent [Only registered and activated users can see links. Click Here To Register...]found that poor credit was the top reason that renters gave for not buying a home.
(Following closely behind poor credit was the[Only registered and activated users can see links. Click Here To Register...] self-awareness that they couldn't actually afford to buy or keep up a home and [Only registered and activated users can see links. Click Here To Register...]the perception that now is not really a good time to buy. Hooray for enlightenment on the first point, but with[Only registered and activated users can see links. Click Here To Register...] and interest rates among the lowest ever seen, [Only registered and activated users can see links. Click Here To Register...] how isn't this a good time to buy?)
Back to the mortgagematch.com study: A full 35% of[Only registered and activated users can see links. Click Here To Register...] successful buyers said they didn't even know their credit scores [Only registered and activated users can see links. Click Here To Register...]when they started to look for houses to buy. Somewhere, a Realtor is clenching his or her teeth just reading that. These[Only registered and activated users can see links. Click Here To Register...] buyers decide they want to buy a house but don't know their credit [Only registered and activated users can see links. Click Here To Register...]scores? Home-buying is a process that starts with getting your financial house in order and <em>then</em> hitting the brick and mortar[Only registered and activated users can see links. Click Here To Register...] ones.
Sue Stewart, senior vice president for [Only registered and activated users can see links. Click Here To Register...]Move, Inc. said, "Buyers who prepare themselves financially early before they start looking for a home will[Only registered and activated users can see links. Click Here To Register...] have a better chance of succeeding. If you want to be in [Only registered and activated users can see links. Click Here To Register...]a position to land the best mortgage ... get your documentation together[Only registered and activated users can see links. Click Here To Register...]and find a lender you trust."
Some tips before you apply for a mortgage to help [Only registered and activated users can see links. Click Here To Register...]you beat the odds:
Pay down your debt. Reduce your total[Only registered and activated users can see links. Click Here To Register...] debt -- your monthly payments on cars, student loans, credit cards -- before you start the mortgage application. The[Only registered and activated users can see links. Click Here To Register...] goal is to reduce your overall debt-to-income ratio and improve[Only registered and activated users can see links. Click Here To Register...] your credit score. The somewhat unrealistic guideline that lenders want everyone to toe is that your total housing [Only registered and activated users can see links. Click Here To Register...]expenses not exceed 28% of your monthly gross income. For [Only registered and activated users can see links. Click Here To Register...]decades, people have exceeded that quite happily but now the lenders believe they know best and they control[Only registered and activated users can see links. Click Here To Register...]the money.
Clean up your credit. Start with figuring out [Only registered and activated users can see links. Click Here To Register...]. Obtain your free credit report from each of the three credit bureaus (Equifax, Experian and TransUnion) and carefully review them, noting all negative items. Correct[Only registered and activated users can see links. Click Here To Register...]inaccurate or outdated items. Your credit score needs to be a minimum of 680 -- preferably 720 or higher -- to qualify for [Only registered and activated users can see links. Click Here To Register...]a lower interest rate on a mortgage.
Delay any large purchases, don't [Only registered and activated users can see links. Click Here To Register...]apply for any new credit until you close on your house. Lenders check credit reports at the time you apply[Only registered and activated users can see links. Click Here To Register...]and then again right before closing. A last-minute spending spree is[Only registered and activated users can see links. Click Here To Register...] going to be flagged. Once you clear the mortgage hurdle, feel[Only registered and activated users can see links. Click Here To Register...] free to move about the cabin and decorate your new house to your heart's content. (That's said in jest; charge wisely.)
Increase your down payment. This reduces the loan-to-value [Only registered and activated users can see links. Click Here To Register...]ratio and improves your chances of getting a loan. How [Only registered and activated users can see links. Click Here To Register...]do you do this? You save up for it or call up your rich relatives. There are [Only registered and activated users can see links. Click Here To Register...]also a lot of community programs to help first-time buyers, so check around.
Get your paperwork together. Your lender[Only registered and activated users can see links. Click Here To Register...] will want to see pay stubs, bank statements, assets, credit[Only registered and activated users can see links. Click Here To Register...] documents, income tax returns, all financial statements and possibly your fourth grade report card. OK, I made that last [Only registered and activated users can see links. Click Here To Register...]one up, but you get the idea. This is paperwork central. And you better [Only registered and activated users can see links. Click Here To Register...]make copies of everything you send them in case they ask you for it a third time.
Develop some [Only registered and activated users can see links. Click Here To Register...]patience. You're going to need it.
Understanding the mortgage process and meeting lenders' more[Only registered and activated users can see links. Click Here To Register...]stringent qualification requirements have become big obstacles[Only registered and activated users can see links. Click Here To Register...] for applicants, according to a survey the site conducted. Most[Only registered and activated users can see links. Click Here To Register...] recent home buyers -- 70% -- described the mortgaging process as more difficult than they expected. And those who bought homes[Only registered and activated users can see links. Click Here To Register...] during the bubble years, when mortgage loans were given out like candy at Halloween, are especially shell-shocked by the new lending[Only registered and activated users can see links. Click Here To Register...] standards.
One of the biggest problems home buyers[Only registered and activated users can see links. Click Here To Register...] run into today concern their credit scores and how, in general, they don't work to improve them before applying[Only registered and activated users can see links. Click Here To Register...] for a loan. In the same vein, a recent [Only registered and activated users can see links. Click Here To Register...]found that poor credit was the top reason that renters gave for not buying a home.
(Following closely behind poor credit was the[Only registered and activated users can see links. Click Here To Register...] self-awareness that they couldn't actually afford to buy or keep up a home and [Only registered and activated users can see links. Click Here To Register...]the perception that now is not really a good time to buy. Hooray for enlightenment on the first point, but with[Only registered and activated users can see links. Click Here To Register...] and interest rates among the lowest ever seen, [Only registered and activated users can see links. Click Here To Register...] how isn't this a good time to buy?)
Back to the mortgagematch.com study: A full 35% of[Only registered and activated users can see links. Click Here To Register...] successful buyers said they didn't even know their credit scores [Only registered and activated users can see links. Click Here To Register...]when they started to look for houses to buy. Somewhere, a Realtor is clenching his or her teeth just reading that. These[Only registered and activated users can see links. Click Here To Register...] buyers decide they want to buy a house but don't know their credit [Only registered and activated users can see links. Click Here To Register...]scores? Home-buying is a process that starts with getting your financial house in order and <em>then</em> hitting the brick and mortar[Only registered and activated users can see links. Click Here To Register...] ones.
Sue Stewart, senior vice president for [Only registered and activated users can see links. Click Here To Register...]Move, Inc. said, "Buyers who prepare themselves financially early before they start looking for a home will[Only registered and activated users can see links. Click Here To Register...] have a better chance of succeeding. If you want to be in [Only registered and activated users can see links. Click Here To Register...]a position to land the best mortgage ... get your documentation together[Only registered and activated users can see links. Click Here To Register...]and find a lender you trust."
Some tips before you apply for a mortgage to help [Only registered and activated users can see links. Click Here To Register...]you beat the odds:
Pay down your debt. Reduce your total[Only registered and activated users can see links. Click Here To Register...] debt -- your monthly payments on cars, student loans, credit cards -- before you start the mortgage application. The[Only registered and activated users can see links. Click Here To Register...] goal is to reduce your overall debt-to-income ratio and improve[Only registered and activated users can see links. Click Here To Register...] your credit score. The somewhat unrealistic guideline that lenders want everyone to toe is that your total housing [Only registered and activated users can see links. Click Here To Register...]expenses not exceed 28% of your monthly gross income. For [Only registered and activated users can see links. Click Here To Register...]decades, people have exceeded that quite happily but now the lenders believe they know best and they control[Only registered and activated users can see links. Click Here To Register...]the money.
Clean up your credit. Start with figuring out [Only registered and activated users can see links. Click Here To Register...]. Obtain your free credit report from each of the three credit bureaus (Equifax, Experian and TransUnion) and carefully review them, noting all negative items. Correct[Only registered and activated users can see links. Click Here To Register...]inaccurate or outdated items. Your credit score needs to be a minimum of 680 -- preferably 720 or higher -- to qualify for [Only registered and activated users can see links. Click Here To Register...]a lower interest rate on a mortgage.
Delay any large purchases, don't [Only registered and activated users can see links. Click Here To Register...]apply for any new credit until you close on your house. Lenders check credit reports at the time you apply[Only registered and activated users can see links. Click Here To Register...]and then again right before closing. A last-minute spending spree is[Only registered and activated users can see links. Click Here To Register...] going to be flagged. Once you clear the mortgage hurdle, feel[Only registered and activated users can see links. Click Here To Register...] free to move about the cabin and decorate your new house to your heart's content. (That's said in jest; charge wisely.)
Increase your down payment. This reduces the loan-to-value [Only registered and activated users can see links. Click Here To Register...]ratio and improves your chances of getting a loan. How [Only registered and activated users can see links. Click Here To Register...]do you do this? You save up for it or call up your rich relatives. There are [Only registered and activated users can see links. Click Here To Register...]also a lot of community programs to help first-time buyers, so check around.
Get your paperwork together. Your lender[Only registered and activated users can see links. Click Here To Register...] will want to see pay stubs, bank statements, assets, credit[Only registered and activated users can see links. Click Here To Register...] documents, income tax returns, all financial statements and possibly your fourth grade report card. OK, I made that last [Only registered and activated users can see links. Click Here To Register...]one up, but you get the idea. This is paperwork central. And you better [Only registered and activated users can see links. Click Here To Register...]make copies of everything you send them in case they ask you for it a third time.
Develop some [Only registered and activated users can see links. Click Here To Register...]patience. You're going to need it.
03/30/2011 08:45
Taec#5128
DOTS DOTS. can someone PM me in Elsword? my ign is Taec
03/30/2011 08:45
.Sincere#5129
@zheng
Now thats just rude.
@taec
lol can I pm you later?
Now thats just rude.
@taec
lol can I pm you later?
03/30/2011 08:45
zhengyipeng#5130
On Monday, The New York Times[Only registered and activated users can see links. Click Here To Register...] took a major step forward as we introduced digital[Only registered and activated users can see links. Click Here To Register...] subscriptions in the United States and the rest of the world. Since we first announced [Only registered and activated users can see links. Click Here To Register...]our plan 11 days ago, we have heard from so many [Only registered and activated users can see links. Click Here To Register...]of you, our readers. We are grateful for your[Only registered and activated users can see links. Click Here To Register...]feedback and, most of all, for your commitment to The Times.
As I have said previously, the introduction [Only registered and activated users can see links. Click Here To Register...]of digital subscriptions is an [Only registered and activated users can see links. Click Here To Register...]investment in our future. It will allow us to develop new sources of revenue to[Only registered and activated users can see links. Click Here To Register...]strengthen our ability to continue our journalistic[Only registered and activated users can see links. Click Here To Register...]mission as well as undertake digital innovations[Only registered and activated users can see links. Click Here To Register...] that will enable us to provide you with high-quality journalism on whatever [Only registered and activated users can see links. Click Here To Register...]device you choose.
As you may know, on [Only registered and activated users can see links. Click Here To Register...]March 17, we introduced digital subscriptions in Canada. The Canadian [Only registered and activated users can see links. Click Here To Register...]launching allowed us to test our systems and [Only registered and activated users can see links. Click Here To Register...]fine-tune the user interface and customer [Only registered and activated users can see links. Click Here To Register...]experience. On Monday, we launched globally.
If you are a home delivery subscriber of [Only registered and activated users can see links. Click Here To Register...]The Times, you will continue to have full and free[Only registered and activated users can see links. Click Here To Register...] access to our news, information, opinion [Only registered and activated users can see links. Click Here To Register...]and other features on your computer, smartphone and tablet. International [Only registered and activated users can see links. Click Here To Register...]Herald Tribune subscribers will also receive[Only registered and activated users can see links. Click Here To Register...] free access to [Only registered and activated users can see links. Click Here To Register...].If you are not a home delivery subscriber, you will have free access to 20 articles (including [Only registered and activated users can see links. Click Here To Register...]slide shows, videos and other features) each month. If you exceed that limit, you will be asked to become a digital[Only registered and activated users can see links. Click Here To Register...] subscriber. On our smartphone and tablet apps, theTop News section will [Only registered and activated users can see links. Click Here To Register...]remain free of charge. For access to [Only registered and activated users can see links. Click Here To Register...] the other sections within the apps, we will ask you to become a digital subscriber.
Here is how it [Only registered and activated users can see links. Click Here To Register...]will work:
• The Times is offering three digital [Only registered and activated users can see links. Click Here To Register...]subscription packages, including an all-access[Only registered and activated users can see links. Click Here To Register...] option, so you can choose a plan that is right for you based on the devices [Only registered and activated users can see links. Click Here To Register...]you own (computer, smartphone, tablet). For [Only registered and activated users can see links. Click Here To Register...]more information or to purchase one of these plans, go to[Only registered and activated users can see links. Click Here To Register...].
• Again, all New York Times[Only registered and activated users can see links. Click Here To Register...] home delivery subscribers will continue to have free access to NYTimes.com [Only registered and activated users can see links. Click Here To Register...]and to all content on [Only registered and activated users can see links. Click Here To Register...]our apps. If you are a home delivery subscriber, go to[Only registered and activated users can see links. Click Here To Register...] to sign up for free access.
• Readers who come to Times articles[Only registered and activated users can see links. Click Here To Register...] through links from search[Only registered and activated users can see links. Click Here To Register...] engines, blogs and social media will be able to read those articles, even if they have[Only registered and activated users can see links. Click Here To Register...] reached their monthly reading limit. This [Only registered and activated users can see links. Click Here To Register...]allows new and casual readers to continue to discover our content on [Only registered and activated users can see links. Click Here To Register...]the open Web. On all major search [Only registered and activated users can see links. Click Here To Register...]engines, users will have a daily limit on free links to Times articles.
• The home page at NYTimes.com[Only registered and activated users can see links. Click Here To Register...] and all section fronts will remain free to[Only registered and activated users can see links. Click Here To Register...] browse for all users at all times.
For more information, go to [Only registered and activated users can see links. Click Here To Register...].
As you have seen[Only registered and activated users can see links. Click Here To Register...] during this recent period of extraordinary global news, The Times is uniquely [Only registered and activated users can see links. Click Here To Register...]positioned to keep you informed. The launching of our digital subscription model will [Only registered and activated users can see links. Click Here To Register...]help ensure that we can continue to provide you with the high-quality [Only registered and activated users can see links. Click Here To Register...]journalism and substantive analysis that you [Only registered and activated users can see links. Click Here To Register...]have come to expect from The Times.
Thank you for reading The New York [Only registered and activated users can see links. Click Here To Register...]Times, in all its forms.
As I have said previously, the introduction [Only registered and activated users can see links. Click Here To Register...]of digital subscriptions is an [Only registered and activated users can see links. Click Here To Register...]investment in our future. It will allow us to develop new sources of revenue to[Only registered and activated users can see links. Click Here To Register...]strengthen our ability to continue our journalistic[Only registered and activated users can see links. Click Here To Register...]mission as well as undertake digital innovations[Only registered and activated users can see links. Click Here To Register...] that will enable us to provide you with high-quality journalism on whatever [Only registered and activated users can see links. Click Here To Register...]device you choose.
As you may know, on [Only registered and activated users can see links. Click Here To Register...]March 17, we introduced digital subscriptions in Canada. The Canadian [Only registered and activated users can see links. Click Here To Register...]launching allowed us to test our systems and [Only registered and activated users can see links. Click Here To Register...]fine-tune the user interface and customer [Only registered and activated users can see links. Click Here To Register...]experience. On Monday, we launched globally.
If you are a home delivery subscriber of [Only registered and activated users can see links. Click Here To Register...]The Times, you will continue to have full and free[Only registered and activated users can see links. Click Here To Register...] access to our news, information, opinion [Only registered and activated users can see links. Click Here To Register...]and other features on your computer, smartphone and tablet. International [Only registered and activated users can see links. Click Here To Register...]Herald Tribune subscribers will also receive[Only registered and activated users can see links. Click Here To Register...] free access to [Only registered and activated users can see links. Click Here To Register...].If you are not a home delivery subscriber, you will have free access to 20 articles (including [Only registered and activated users can see links. Click Here To Register...]slide shows, videos and other features) each month. If you exceed that limit, you will be asked to become a digital[Only registered and activated users can see links. Click Here To Register...] subscriber. On our smartphone and tablet apps, theTop News section will [Only registered and activated users can see links. Click Here To Register...]remain free of charge. For access to [Only registered and activated users can see links. Click Here To Register...] the other sections within the apps, we will ask you to become a digital subscriber.
Here is how it [Only registered and activated users can see links. Click Here To Register...]will work:
• The Times is offering three digital [Only registered and activated users can see links. Click Here To Register...]subscription packages, including an all-access[Only registered and activated users can see links. Click Here To Register...] option, so you can choose a plan that is right for you based on the devices [Only registered and activated users can see links. Click Here To Register...]you own (computer, smartphone, tablet). For [Only registered and activated users can see links. Click Here To Register...]more information or to purchase one of these plans, go to[Only registered and activated users can see links. Click Here To Register...].
• Again, all New York Times[Only registered and activated users can see links. Click Here To Register...] home delivery subscribers will continue to have free access to NYTimes.com [Only registered and activated users can see links. Click Here To Register...]and to all content on [Only registered and activated users can see links. Click Here To Register...]our apps. If you are a home delivery subscriber, go to[Only registered and activated users can see links. Click Here To Register...] to sign up for free access.
• Readers who come to Times articles[Only registered and activated users can see links. Click Here To Register...] through links from search[Only registered and activated users can see links. Click Here To Register...] engines, blogs and social media will be able to read those articles, even if they have[Only registered and activated users can see links. Click Here To Register...] reached their monthly reading limit. This [Only registered and activated users can see links. Click Here To Register...]allows new and casual readers to continue to discover our content on [Only registered and activated users can see links. Click Here To Register...]the open Web. On all major search [Only registered and activated users can see links. Click Here To Register...]engines, users will have a daily limit on free links to Times articles.
• The home page at NYTimes.com[Only registered and activated users can see links. Click Here To Register...] and all section fronts will remain free to[Only registered and activated users can see links. Click Here To Register...] browse for all users at all times.
For more information, go to [Only registered and activated users can see links. Click Here To Register...].
As you have seen[Only registered and activated users can see links. Click Here To Register...] during this recent period of extraordinary global news, The Times is uniquely [Only registered and activated users can see links. Click Here To Register...]positioned to keep you informed. The launching of our digital subscription model will [Only registered and activated users can see links. Click Here To Register...]help ensure that we can continue to provide you with the high-quality [Only registered and activated users can see links. Click Here To Register...]journalism and substantive analysis that you [Only registered and activated users can see links. Click Here To Register...]have come to expect from The Times.
Thank you for reading The New York [Only registered and activated users can see links. Click Here To Register...]Times, in all its forms.