Android Operating System

Android is a software stack for mobile devices that includes an Operating System, Middleware and Key applications. In 2005 Google Inc. purchased the initial developer of the software, Android Inc. Android's mobile operating system is based on the Linux kernel. Google and other members of the Open Handset Alliance collaborated on Android's development and release. The Android Open Source Project (AOSP) is tasked with the maintenance and further development of Android. The Android operating system is the world's best-selling Smartphone platform.
Android has a large community of developers writing applications ("apps") that extend the functionality of the devices. There are currently over 200,000 apps available for Android. Android Market is the online app store run by Google, though apps can also be downloaded from third-party sites. Developers write primarily in the Java language, controlling the device via Google-developed Java libraries.

Mortgage concepts and legal regulation

A mortgage occurs when an owner (in real property) guarantees his interest (right to the property) as security for a loan. Therefore, a mortgage is a burden (limitation) on the right to the property, the word mortgage has become the generic term for a loan secured by real property.

As with other types of loans, mortgages have an interest rate and are scheduled to amortize over a set period of time, typically 30 years. All types of real property can be, and usually are, secured with a mortgage and bear an interest rate that is supposed to reflect the lender's risk.

Mortgage lending is the primary mechanism used in many countries to finance private ownership of residential and commercial property. Although the terminology and precise forms will differ from country to country, the basic components tend to be similar:

> Property: the physical residence being financed. The exact form of ownership will vary from country to country, and may restrict the types of lending that are possible.

> Mortgage: the security interest of the lender in the property, which may entail restrictions on the use or disposal of the property. Restrictions may include requirements to purchase home insurance and mortgage insurance, or pay off outstanding debt before selling the property.

> Borrower: the person borrowing who either has or is creating an ownership interest in the property.

> Lender: any lender, but usually a bank or other financial institution. Lenders may also be investors who own an interest in the mortgage through a mortgage-backed security. In such a situation, the initial lender is known as the mortgage originator, which then packages and sells the loan to investors. The payments from the borrower are thereafter collected by a loan service holder.

> Principal: the original size of the loan, which may or may not include certain other costs; as any principal is repaid, the principal will go down in size.

> Interest: a financial charge for use of the lender's money.

> Foreclosure or repossession: the possibility that the lender has to foreclose, repossess or seize the property under certain circumstances is essential to a mortgage loan; without this aspect, the loan is arguably no different from any other type of loan.

Governments usually regulate many aspects of mortgage lending, either directly (through legal requirements) or indirectly (through regulation of the participants or the financial markets, such as the banking industry), and often through state intervention (direct lending by the government, by state-owned banks, or sponsorship of various entities).

Mortgage Loan

A mortgage loan is a loan secured by real property through the use of a mortgage note which evidences the existence of the loan and the burden of that real property through the granting of a mortgage which secures the loan.
A home buyer or builder can obtain financing (a loan) either to purchase or secure against the property from a financial institution, such as a bank, either directly or indirectly through intermediaries.
Features of mortgage loans are:
- The size of the loan,
- Maturity of the loan,
- Interest rate,
- Method of paying off the loan and other characteristics can vary considerably.

Popular singer Sonu Nigam & Bryan Adams performs in ICC Opening Ceremony

Indian singer Sonu Nigam (right) performs onstage as cricket captains from the 14 competing teams watch during the opening ceremony of the Cricket World Cup at Bangabandhu stadium in Dhaka. The opening ceremony of the World Cup got under way February 17 with the captains of the 14 competing teams paraded through Dhaka's historic Bangabandhu Stadium in colourfully draped rickshaws

Popular Canadian singer Bryan Adams will be the only western artist to perform at the opening ceremony for the 2011 ICC Cricket World Cup to be held in Dhaka, Bangladesh

Cultural Dance Performed in ICC World Cup Opening Ceremony

Performers take part in an aerial cricket match during the opening ceremony for the International Cricket Council (ICC) Cricket World Cup at the Bangabandhu National Stadium in Dhaka. Participants perform during the opening ceremony of the International Cricket Council (ICC) Cricket World Cup at the Bangabandhu National Stadium in Dhaka

ICC Cricket Maskot Arrived in Bangabandhu National Stadium by a Van (Type of Small Open Cargo Car )

And Three Country (Bangladesh, India, Sri Lanka) Cultural Dance & Events has been performed in ICC Cricket Opening Ceremony in Bangabandhu National Stadium, Dhaka.

14 Captains Come to The ICC World Cup Opening Ceremony By Rickshaw

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Bangladesh cricket captain Shakib Al Hasan , India cricket captain Mahendra Singh Dhoni , England cricket captain Andrew Strauss & Australia cricket captain Ricky Ponting arrives in a cycle rickshaw during the opening ceremony of the Cricket World Cup at Bangabandhu stadium in Dhaka, Bangladesh. And All Other ICC Captain Come to the opening ceremony by cycle Richshaw

ICC World Cup Opening Ceremony in Bangabandhu National Stadium in Dhaka

A general view is seen of The Bangabandhu National Stadium in Dhaka during the opening ceremony for The ICC Cricket World Cup 2011. Canadian rocker Bryan Adams is scheduled to help kickstart the 2011 Cricket World Cup at the tournament's opening ceremony, marking the start of a gruelling six-week sporting marathon. The 10th edition of the showpiece event is being launched in Dhaka, capital of Bangladesh, joint hosts of the 14-team competition along with India and Sri Lanka.

Fireworks explode during the opening ceremony for the International Cricket Council (ICC) Cricket World Cup at the Bangabandhu National Stadium in Dhaka.

Use of Multi-Level Marketing (MLM) System

 

Multi-level marketing (MLM) is a marketing strategy in which the sales force is compensated not only for sales they personally generate, but also for the sales of others they recruit, creating a downline of distributors and a hierarchy of multiple levels of compensation. Other terms for MLM include network marketing, direct selling, and referral marketing.
Multi-level marketing (MLM) was first officially used in 1945 to sell the vitamin supplement Nutrilite, a leading brand of Vitamins & Supplements, Sports Nutrition and Weight Management products.
Nutrilite was created in 1934 by Dr. Carl F. Rehnborg. In 1945, he invented the multi-level marketing, door-to-door, selling system to distribute his vitamins. The founders of Amway Corporation (established in 1963, based in Ada, Michigan, USA), Jay Van Andel and Rich DeVos, began distribution of Nutrilite products in 1949.

Amway is the first and still successfully MLM using company. In 2009 they made $8.4 billion revenue having 13,000 employees. Other successful MLM using companies are- Avon, Pampered Chef, Scentsy, Mary Kay Cosmetics, Lia Sophia, Tupperware, and Tastefully Simple.

MLM companies have been a frequent subject of criticism on their similarity to illegal pyramid schemes, price-fixing of products, high initial start-up costs, emphasis on recruitment of lower-tiered salespeople over actual sales, encouraging if not requiring salespeople to purchase and use the company's products, potential exploitation of personal relationships which are used as new sales and recruiting targets, complex and sometimes exaggerated compensation schemes, and cult-like techniques which some groups use to enhance their members' enthusiasm and devotion. Not all MLM companies operate the same way, and MLM groups have persistently denied that their techniques are anything but genuine business practices.

MLM's are also criticized for being unable to fulfill their promises for the majority of participants. Sometimes this MLM method abused as business scams, called the Pyramid Scheme. Pyramid schemes are a type of phony investment scam in which individuals are enticed to invest based on the promise of huge returns from the payment of future investments. In reality, it is simply the moving of money from the hands of one person and spreading it to others. It is assured that the person at the top of the pyramid gets a piece of it all. In this system the victims are who stay in the bottom level of that company when closing. The pyramid scheme is often called a “Ponzi” scheme after the late Charles Ponzi who made millions off of investors using this method.

One of the biggest signs that a particular investment deal is a pyramid scheme is the lack of one very important feature which is an actual product. You can see, the only product in a pyramid scheme is the money that changes hands. There is nothing being sold and nothing of intrinsic value to be invested in. It is just a way of passing around money in which the person who started the pyramid gets paid each time.
Being a very successful marketing concept many people have abused the MLM system. Many fake MLM using companies are unstoppable even by the government due to addiction of many people (also involvement of powerfully influenced person) and lack of actual evidence.

In this world every system has a positive and negative impact, and MLM is not an exception.

Flowers for Valentines day

All over the world people strongly express their felling to their dearest and desired life partner on Valentines day. People consider flower as the symbol of their soft & pure heart. That's why people try to impress their beloved one with the most beautiful flower on this day.

Saint Valentine's Day, commonly shortened to Valentine's Day, is an annual commemoration held on February 14 celebrating love and affection between intimate companions. The day is named after one or more early Christian martyrs named Valentine and was established by Pope Gelasius I in 500 AD.

It is traditionally a day on which lovers express their love for each other by presenting flowers, offering confectionery, and sending greeting cards (known as "valentines"). The day first became associated with romantic love in the circle of Geoffrey Chaucer in the High Middle Ages, when the tradition of courtly love flourished.

Life with a superstar "Tom Cruise"

EARLY LIFE-- Cruise was born in Syracuse, New York, the son of Mary Lee, a special education teacher, and Thomas Cruise Mapother III, an electrical engineer. Cruise's surname originates from his great-grandfather, Thomas Cruise O'Mara, who was adopted by a Welsh immigrant and renamed "Thomas Cruise Mapother". Cruise is of German, Irish, and English ancestry. His oldest sister, Lee Anne, was born in his parents' native Louisville, Kentucky, while his older sister Marian was born in Syracuse, as were Tom and his younger sister, Cass.

Cruise attended Robert Hopkins Public School for grades three, four, and five. The Mapother family then moved to the suburb of Beacon Hill, in Ottawa, Ontario, so Cruise's father could take a position as a defence consultant with the Canadian Armed Forces. There, Cruise completed grade six at Henry Munro Middle School, part of the Carleton Board of Education, where he was active in athletics, playing floor hockey almost every night, showing himself to be a ruthless player, and eventually chipping his front tooth. In the game British bulldogs, he then lost his newly capped tooth and hurt his knee. Henry Munro was also where Cruise became involved in drama, under the tutelage of George Steinburg. The first play he participated in was called IT, in which Cruise won the co-lead with Michael de Waal, one playing "Evil", the other playing "Good." The play met much acclaim, and toured with five other classmates to various schools around the Ottawa area, even being filmed at the local Ottawa TV station.

POPULARITY-- In 1990, 1991 and 1997, People magazine rated him among the 50 most beautiful people in the world. In 1995, Empire magazine ranked him among the 100 sexiest stars in film history. Two years later, it ranked him among the top 5 movie stars of all time. In 2002 and 2003, he was rated by Premiere among the top 20 in its annual Power 100 list. In 2006, Premiere ranked Cruise as Hollywood's most powerful actor, as Cruise came in at number 13 on the magazine's 2006 Power List, being the highest ranked actor. The same year, Forbes magazine ranked him as the world's most powerful celebrity.

“John Cena” The Ultimate WWE Superstar

John Felix Anthony Cena born April 23, 1977) is an American actor, rapper, and professional wrestler employed by World Wrestling Entertainment (WWE) on its Raw brand. In WWE, Cena has won fifteen championships in total, including nine World Titles (having won the WWE Championship seven times and the World Heavyweight Championship twice). In addition, Cena has also won the WWE United States Championship three times, the World Tag Team Championship twice (once with Shawn Michaels, once with Batista), and the WWE Tag Team Championship once (with David Otunga). Cena also won the 2008 Royal Rumble match, and is a two-time Superstar of the Year Slammy Award winner (2009 and 2010).

PROFESSIONAL WRESTLING CAREER-- Cena started training to become a professional wrestler in 2000 at the California-based "Ultimate University" operated by Ultimate Pro Wrestling. Once he was placed into an in-ring role, Cena began using a semi-robotic character known as The Prototype. Some of this period of his career was documented in the Discovery Channel program Inside Pro Wrestling School. During his time there, Cena wrestled as both The Prototype and Mr. P, and held the OVW Heavyweight Championship for three months and the OVW Southern Tag Team Championship (with Rico Constantino) for two months.

FILM LIFE-- WWE Studios, a division of World Wrestling Entertainment which produces and finances motion pictures, produced Cena's first movie — The Marine, which was distributed theatrically by 20th Century Fox America beginning on October 13, 2006. In its first week, the film made approximately $7 million at the United States box office. After ten weeks in theaters, the film grossed $18.7 million. Once the film was released on DVD, it fared better, making $30 million in rentals in the first twelve weeks. Cena co-starred in his third film produced by WWE Studios, titled Legendary, which was played in selected theaters starting on September 10, 2010, for a limited time, then it was released on DVD on September 28, 2010.

The moment of the Ground Zero Flag

 

Ground Zero Flag is a 60' X 30' (1800 square feet), American Flag was donated to a group of Ground Zero volunteers from New York during the rescue and recovery operations after the terrorist attacks of September 11, 2001.

These volunteers was recorded in the photograph which was taken first by Thomas E. Franklin of The Bergen Record (is a newspaper in Hackensack, New Jersey), taken on September 11, 2001. The picture shows three New York City firefighters raising the American flag at ground zero of the World Trade Center following the September 11 attacks. The official name for the photograph used by The Record is Ground Zero Spirit. The photo appeared on The Record front page on September 12, 2001. The paper also put it on the Associated Press wire and it appeared on the covers of several newspapers around the world.

Franklin shot the photograph shortly after 5 p.m. with a telephoto lens. At this time, he was standing under a pedestrian walkway across the West Side Highway that connected the center to the World Financial Center, located at the northwest corner of the World Trade Center site. Franklin said the firefighters were about 150 yards (137 m) away from him and the debris was 100 yards (91 m) beyond that. They were about 20 feet (6 m) off the ground.

Franklin had hitched a ride on a tug boat across the Hudson River, arriving around noon after the towers had collapsed. He was with photographer James Nachtwey when he saw the firefighters.

The firefighters pictured were Brooklyn-based firefighters 1) George Johnson of Rockaway Beach, 2) Dan McWilliams of Long Island (both from Ladder 157), and 3) Billy Eisengrein of Staten Island.

Stewart, Fleener also shine for Stanford

MIAMI GARDENS — Stanford quarterback Andrew Luck was the deserving most valuable player in the Discover Orange Bowl after throwing four touchdown passes in a 40-12 victory over Virginia Tech. But tailback Jeremy Stewart and tight end Coby Fleener could have made a case for the honor after delivering record-setting performances for a Cardinal offense that produced 534 yards of total offense.

Stewart, a senior whose season was limited to seven games and 13 carries by injury, had a memorable final game. He ran five times for 99 yards and kick-started the Cardinal attack in the first half with a 60-yard scoring run. He had gained a total of 38 yards coming into the game."I saw the daylight and my eyes got big," Stewart said of his 60-yard scoring burst off left tackle. "The only thing I was thinking was to get to the end zone as fast as you can."

Austrilian City ‘Rockhampton’ Floods braces for more

OCKHAMPTON, Australia – Floods that have cut air, rail and road links to an Australian coastal city are now threatening its sewage plant, and waters are still expected to rise another few feet before peaking Wednesday.Residents of Rockhampton made their way in boats through waters that reached waist-high in some areas Tuesday but were warned not to wade into the them since snakes and crocodiles could be lurking.A huge inland sea spawned by more than a week of heavy rain across Queensland state is making its way along the Fitzroy River toward the ocean — and Rockhampton lies in the way. As waters drain, the city of 75,000 people is expected to see flood levels rise another few feet (half-meter) by Wednesday.

The river has already burst its banks, inundating houses and businesses in waters ranging from a few inches (centimeters) to waist-deep. Up to 500 people who live along the river have evacuated their homes. Air and rail links to the city were cut and only one main road remained open.Adding to the woes, Rockhampton Mayor Brad Carter said Tuesday the floodwaters were threatening Rockhampton's sewage treatment plants and officials may seek to discharge some effluent directly into the swollen river system. He said this would only occur away from the city, and that the discharged sewage would be highly diluted and would not pose a health risk.

President Obama signed the 9/11 health bill into law

President Obama yesterday (02, January,2011) signed the 9/11 health bill into law, finally delivering federal health benefits to sick Ground Zero workers who have waited nine years for the help. Obama briefly interrupted his Hawaii vacation to sign the $4.3 billion bill, which squeaked through Congress in the final hours of the lame-duck session last month. The president said he was "honored" to sign the bill."We will never forget the selfless courage demonstrated by the firefighters, police officers, and first responders who risked their lives to save others," Obama said.

Still, some first responders were disappointed there wasn't a formal White House ceremony. John Feal, a former demolition supervisor at Ground Zero who spearheaded the fight for benefits, said the long-awaited bill signing was a "testament to the resolve of people who wouldn't give up."

"The president's signing finally gives the 9/11 community some kind of closure and validation," he said. "I'd like to have seen it signed in the White House so the first responders who fought for this could see the fruit of their labor." Obama signed the bill in Hawaii because the 10-day deadline to do so was about to expire, a White House spokesman said.

Egypt church Hits by Bomb at New Year's Mass, 21 dead

ALEXANDRIA, Egypt – A powerful bomb, possibly from a suicide attacker, exploded in front of a Coptic Christian church as a crowd of worshippers emerged from a New Years Mass early Saturday, killing at least 21 people and wounding nearly 80 in an attack that raised suspicions of an al-Qaida role. The attack came in the wake of threats by al-Qaida militants in Iraq to attack Egypt's Christians. A direct al-Qaida hand in the bombing would be a dramatic development, as the government of President Hosni Mubarak has long denied that the terror network has a significant presence in the country. Al-Qaida in Iraq has already been waging a campaign of violence against Christians in that country.

The bombing enraged Christians, who often complain of discrimination at the hands of Egypt's Muslim majority and accuse the government of covering up attacks on their community. In heavy clashes Saturday afternoon, crowds of Christian youths in the streets outside the church and a neighboring hospital hurled stones at riot police, who opened fire with rubber bullets and tear gas.

Shah Rukh Khan & Hrithik Celebrated New Year In Dubai

Shah Rukh Khan will be welcoming 2011 in Dubai and will be joined by his friends including Karan Johar, Hrithik Roshan and his wife, Sussanne and others.Although Shah Rukh and Gauri’s friend, Arjun Rampal won’t be joining the entourage, Chunky Panday and his family may join the party later.A source reveals, “The Khans and their friends will ring in the new year at the couple’s palatial home on The Palm in Jumeirah.”Constructed by Nakheel Properties, The Palm Islands are the world’s largest man-made islands and comprise of the Palm Jumeirah, the Palm Jebel Ali and the Palm Deira. Located off the coast of the United Arab Emirates in the Persian Gulf, each island is created in the shape of a palm tree and is topped with a crescent. Other celebrity residents of the island include Brad Pitt, David Beckham and Michael Owen.Meanwhile, Goa remains a popular destination for other Bollywood stars. Akshay Kumar and his wife, Twinkle Khanna, Sharman Joshi and Prateik Babbar will be among those who will be there.