Gavin DeGraw - Band Intro & Cop Stop (NO)

Ho'Down 2006 - Europeans Do It Better! Gavin degraw live from Oslo, Norway on august 10th 2006 introducing his Band and playing Cop Stop.

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Will Being a Guarantor to a Bad Debt Affect My Home Loan Application?

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To be a guarantor of a loan means that if the person you are guaranteeing does not pay his debts promptly, you become responsible. Very often, people need a guarantor at some point of their lives. This is especially so if your friend or relative is applying for an unsecured line of credit.

The question now is, can a bad debt that you are guaranteeing, affect your application for your own housing loan. The answer is a resounding "YES". You must realize that by helping out your relative and friend as a guarantor, it may have nasty consequences on your own credit rating, if he defaults on the loan.

Lets say your friend or relative is late in their monthly payment, the same rating is stated in your credit report. It is therefore very important to know who are you guaranteeing for, and are you willing to help him out financially for a few months if he cannot make the payments. That is a very important question to ponder about when someone asks you to be the guarantor.

It does not matter when you tell the bank that it is not your debt. It may not be, but it is still your obligation to see that the payments are on time. While you co sign, it is important to know that at this point of time, your credit rating is at the mercy of the person that you have decided to help.

When he defaults, it can really screw up that housing loan application and prevents you from buying that dream house. Remember, take great care in deciding who to guarantee for, as it has severe consequences for your own credit.

Zeng Han Jun is the Business Financial Manager of Chan & Partners Consulting Group. He actively contributes articles about business and finance on a weekly basis, so as to share his knowledge with the financial consumers. He specializes in mortgage advisory and business brokering services in Singapore. He has been directly involved and plays a crucial role in marketing and sales of businesses in CPCG. He also provides advice on various kinds of mortgages and construction financing for private individuals.

This article from CPCG is currently being protected by Singapore and International Copyright Laws. However please feel free to republish this article, provided that you include working links to our website: http://www.cpcgonline.com/ and http://www.cpcgonline.blogspot.com/ - We appreciate your kind gesture. For any enquiries, please email us at enquiries@cpcgonline.com

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SteamFast Steam Press Stand - A600-016

SteamFast Steam Press Stand - A600-016 I bought this for my husband, (yes, he loves to press his clothes with his steamer/presser) so that it would be easier for him to press his clothes for work. It's the right height for him when sitting in a chair to press his clothes and it's also conveniently folds up when not in use. Steam Fast: A sit-down stand that is compatible with most available steam presses / Folds up for easy storage / Shelf for finished ironing
SteamFast Steam Press Stand - A600-016

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The Innovations of the Walt Disney Company

Walt Disney has been quoted many times as saying he didn't want to lose sight of a very important fact: The entire Walt Disney company began with a mouse. In 1927, Walt and his brother Roy began with a small cartoon studio. In a relatively short time, this little company has rocketed to worldwide fame, and now includes a TV station, a movie production group, many animation studios, theme parks, distribution centers, record label, mall retail shops, and even a cruise line! Currently, Walt Disney is a household name among adults and children alike.

The mission of Disney businessmen and women today is to provide a product so unique, so exciting, and so un-like reality that people will be left with the thought that only the Walt Disney company could have provided such a service, experience, or product. To this end, Disney is working on a variety of creative ways to entertain customers waiting in line, including virtual reality. They also incorporate seasonal marketing into certain rides and shows. For example, Disney merged Tim Burton characters with one of its rides in the Tokyo park with very big success.

Currently, the Walt Disney company is working on several projects to continue to develop with its original mission in mind. Disney is building a monorail in California to whisk tourist from park to park, which include an undersea adventure with the Little Mermaid and the Disney Plaza. The California park is also working to develop several attractions specifically for ill or elderly visitors. MGM Studios is going to become Hollywood Studios, and will include a variety of trendy new things to see, including the American Idol themed attraction. In Orlando, Disney recently dropped a quick $100 million on a roller coaster in Animal Kingdom park that is built on a Mount Everest theme, and they are adding attractions to Tokyo Disneyland as well.

One of the upcoming rides that will be available at both the Orlando and California parks is a ride based on the Toy Story movies. The ride will carry visitors through all types of interesting things, and stop for multiple 3-D viewings. Since the Disney parks are so well marketed and popular, people flock to them from all over the world. This means that any trip to a Disney park involves lots of waiting in line. To help alleviate the pain and boredom this may cause, the Walt Disney company provide costumed characters and a state-of-the art talking and singing Potatohead Man! This particularly piece of singing entertainment cost a million dollars!

Want to learn more about the Walt Disney company? Check out our assortment of Disney World discounts and vacations to get the best for you and your family. Our items change on a daily basis with fresh new supplies at extremely great cost saving prices. Let us save you money, visit us today.

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Real Wood Plantation Shutters - The Top Three Myths You Need To Know!

Real Wood Plantation Shutter Truths Revealed!

I am constantly amazed by the amount of misinformation floating about when it comes to information about Real Wood Plantation Shutters. Bottom line; Shutters are the single hottest trend in Window Coverings today. With so much concentration on this one type of Window Treatment, a number of myths have developed to better position some sellers of Shutters when it comes to price, delivery time, and product benefits. It's not that every decorator is passing on bad information knowingly, it is a simple fact that some of the myths are so prevalent in the industry the even the decorators themselves don't know the correct information.

Want to learn more? Keep reading...

Myth #1 - Real Wood Plantation Shutters are not as strong & durable as many manmade material shutters.

Simply not true. In fact, Real Wood Shutters have something Mother Nature can make and man has tried to duplicate for years, but hasn't perfected. Mother nature still holds the trump card when it comes down to the raw materials that go into Real Wood Shutters. The fibrous nature of wood acts, at the microscopic level, like millions of layers of interconnected individual fibers pushing and pulling on each other to maintain their originally grown shape and direction. For this simple reason, most shutter manufacturers only make wide panels (over 24 inches) and / or specialty shapes like arched top panels in real wood only. If you have extra wide windows and want to minimize the number of shutters panels required to cover the window, Real Wood Shutters are exactly what you want.

Myth #2 - Real Wood Plantation Shutters take too long to build making them impractical.

Again, not true. With the advent of pre-primed and sanded wood materials that go into an assembled Wood Shutter, production time is typically only a few days more than manmade material shutters. When you consider the fact that Real Wood Shutters will outlast their man-made shutter counterparts, Real Wood Shutters are custom painted so you can get them in the exact color you need, a few extra days in production goes a long way in valued added benefits.

Myth #3 - Real Wood Plantation Shutters are just too expensive.

This is the most common myth of all. Although it is true that Real Wood Plantation Shutters are slightly more expensive than manmade material shutters, you need to consider the bang for the buck you get by upgrading to Real Wood Plantation Shutters vs. manmade alternatives.

Want to know even more? Please check out my latest online article on the value added benefits of Real Wood Shutters by clicking below.

Brad A. Hall, Founder and President

http://www.TheBlindFactory.com

19 Years of Quality Window Coverings experience servings hundreds of thousands of customers through innovation and attention to style.

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Jason Mraz - Cannabis College

Jason Mraz 23-03-08 @ Point Nepean Festival

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Top 10 Reasons Why You Should Book A Holiday To Malta

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Malta is a small island state in Europe, in the middle of the Mediterranean and is a popular holiday destination for many Europeans, mostly from the U.K., Germany, Italy, France and Holland. Tourists visit the island for various reasons and the island offers a variety of facets that will be of interest for most types of travellers. This article provides you with the top 10 reasons why booking a trip to Malta is a great idea, not only for next summer's holiday season but all year round!

10. Language and money in Malta

The Maltese have their own language ('Maltese') but the country has two official languages, with the second official language being English. Malta was under British rule for 160 years, gaining independence in 1964, but leaving the Maltese with a relatively strong knowledge of the English language, although Maltese is much more widely spoken and is the mother tongue for the vast majority of Maltese. For English speaking tourists this means that communication is almost no problem, which is definitely a benefit when on holiday. Although at the moment the Maltese Lira is still the only valid currency, the Euro will be introduced on January 1st, 2008 and many retailers in tourist areas already accept Euros for cash payment.

9. Sports and leisure activities

Malta is a great location for a variety of sports, including hiking, mountain biking, rock climbing, para gliding, wind surfing and yachting. Plenty of activities to keep you entertained, no matter the time of year. Most materials needed for these sports are available for low-priced rent and there are various locations on the islands where these sports can be exercised. Gozo is a particularly popular location for rock climbing, thanks to its steep cliffs, and mountain biking thanks to its quiet roads and excellent hill climbs.

Events, such as pop concerts and theatre shows, but also historical re-enactments such as In Guardia are popular among both tourists and locals and provide great entertainment for the whole family. Are you a fan of watching sports? Don't worry about missing any big matches or events - satellite reception is widely used by the more popular pubs and there are plenty of appetizers and beer around to enjoy your favourite sports.

8. Getting around in Malta is easy and cheap!

Don't you hate it when you go for a holiday and it takes you ages to get to the beach or to visit a few cities, museums? Don't you hate it when it takes a whole day to take one excursion, when you waste so much time on travelling from place to place which makes you wonder whether it was even worth the hassle? If your answer is yes, then Malta is definitely the holiday destination for you. It takes less than an hour to get from one side to the island to the other and there's such a high concentration of places of interest, beaches, holiday resorts and places for entertainment (restaurants, clubs, cinemas etc.), you'll wish you'd have known about Malta earlier!

A lot of tourists decide to visit Malta a second time and sometimes more, simply for the reason that there's just so much to do and to see, and it takes so little money and time to get around and spend quality holiday time.

7. Gozo offers a peaceful setting to your summer holiday

Malta is not just about Malta. Yes, that's right, The Republic of Malta also covers Gozo, which is Malta's sister island and is said to be the island that Malta used to be a long time ago - rural, quiet and untouched. Gozo is a great place for a peaceful (family or couples) holidays, with beautiful beaches and countryside views. Visit the capital Victoria, with its Citadel in the centre - a fortified part of the village which used to offer the inhabitants of Gozo shelter against foreign invaders, similar to Mdina's surrounding walls on the main island Malta. The seaside town of Xlendi is a popular tourist destination, offering a beautiful view of its bay surrounded by high cliffs. Ramla l-Hamla and San Blas Bay are beautiful beaches to go for a swim, one being larger and busier, the other being more secluded and more difficult to get to (steep hill descent) but much worth the effort.

As of recent, a shuttle bus service is available, taking you straight from the airport to the ferries in the Northern most tip of the island of Malta, making arrangements for a Gozo holiday a little easier to plan for.

6. Malta has a rich culture and heritage

Throughout the ages, the Maltese islands have seen various foreign rulers coming and going, and leaving behind their stamps on Maltese culture. As a result, Malta is soaked in culture and heritage and offers a large number of cultural and historical sites in very short distances from each other, making Malta a unique place in the world map of culture and heritage. Both in the Maltese language and culture remnants of Phoenician, Carthaginians, Romans, Arabs, Turks, French and English invaders can still be found today and this melting pot of cultures is of interest to many tourists visiting the Maltese islands on holiday.

5. Good quality hotels and accommodation

Good quality hotels and self-catering apartments are widely available at very reasonable prices. Package deals are usually the way to go, but booked separately the cost versus quality of accommodation is very good. The main areas for holiday resorts are St. Julian's, Bugibba/Qawra, and Sliema, which are all situated in the Northern part of Malta. Accommodation in St. Julian's is recommended if you enjoy spending your nights going out but, being close to the nightlife hub of Malta, is not advisable for couples and family who are looking for peace and serenity. For those travellers, places like Mellieha and St. Paul's Bay are much better places to stay.

4. Malta is an all year round destination

A flight from London to Malta takes less than three hours, but the difference in climate is huge. Mild winters and warm summers with an average temperature of 32C means excellent weather for both hot summer holidays as well as great holiday weather in winter, to escape from the cold back home. There are plenty of activities to keep you entertained all year round and for example hiking is a popular way of spending days out in the countryside in winter, enjoying the scenery and serenity. Most cultural and historical hotspots are open all year round, and although open air clubs don't open during the winter months, nightlife in Malta goes on throughout the whole year.

3. Malta offers a great nightlife to complement your daily activities

Nights out on the town are a ton of fun, since Malta hosts a true clubbing hub that goes by the name of Paceville (St. Julian's) and which offers a large number of clubs which are situated literally door to door and which play different genres of music to suit everyone's tastes. Open air clubs, however, are what makes clubbing in Malta rather special. Spending your warm summer nights dancing to the latest club and trance anthems or smooth R&B and hiphop beats under the stars is just something else and a must do on your holiday to Malta.

2. Malta holidays now come with cheap flights

That's right - low cost airlines have found Malta and offer dirt cheap flights to the island outside of the high season and regular cheap flights in summer. These airlines offer flights departing from a select number of places in Europe, such as London, Dublin, Barcelona, Oslo, Stockholm, Pisa (Italy) and Bremen (Germany). Look for airlines the likes of Ryanair, Norwegian Air Shuttle and Clickair, but don't forget to check Malta's national airline Air Malta, which regularly offers low cost flights to a much larger number of European destinations.

1. Malta offers more than any other Mediterranean destination

You could say that the top reason for visiting Malta is a combination of all other reasons listed above: There are a lot of different things you can do during your holiday in Malta and you'll never be bored if you get the right info. Baking in the sun on the beach is great for relaxation after a long year of work or school, but most people would prefer adding a little variety to the time they spend on holiday. So if you'd like to go somewhere else besides the beach, why not visit on the many places of interest around the island? Visit the old capital city of Mdina, for example, surrounded by bastions and oozing with history and an ambiance you'll never forget. Why not take a trip to sister island Gozo, with its serene country views and attractions such as the Azure Window, a rock formation sculpted by the sea.

Evenings will never be boring when you know where to go. There is plenty of choice when it comes to dining out, as quality restaurants can be found in most parts of the island. Wine bars and pubs are also popular in Malta and provide quality wines and both local and international lagers, beers and various popular brands of liquor. There's plenty of opportunity for clubbing and open air clubs and parties are a must see if clubbing is your ideal night out.

Plan your outings by getting information beforehand! Inform yourself before travelling by learning more about Malta and what Malta holidays can offer you.

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