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quinta-feira, 27 de dezembro de 2012

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Also see:

Learn Foreign Language In 10 Days

(http://spam-correio-nao-solicitado.blogspot.pt/2012/12/spam-email-learn-foreign-language-in-10_27.html)

SPAM email - Learn a Foreign Language in 10 Days

Assunto: Learn a Foreign Language in 10 Days
De: Sheena Bennett <newsletter543@powinwulk.info>

Learn a Foreign Language in 10 Days

For many, being able to speak the world's most widely spoken language means that they don't see any point in learning another. It's true that people in most countries in the world know how to speak and can understand English, but there are SO many reason to learn how to speak a foreign language. First, it's actually way easier than you would think! Learning a language doesn't have to be difficult, even if you're not a natural linguist. The Internet has some great sites that can help, with "user-ly" games for learning new vocab, and clearly explained grammar rules. YouTube also has some simple videos with step-by-step examples to help you learn a new language. Second, if you travel to a foreign country and speak to people in their own language, you get RESPECT. Locals always love when tourists make an effort with getting to know their culture, and even something as simple as knowing/asking how to say thank you can make their day. Some simple vocab knowledge is also helpful should you find yourself lost in a foreign city, surrounded by locals who don't speak any English... This might be nerdy, but whatever: Knowing a bit about another language can make you understand more about . Here's something I find super cool: The ancient Greeks gave what we now know as the giraffe the name 'camel-leopard,' because to them, giraffes look like a cross between the two. Finally, being able to speak another language means you can communicate with people from other countries when there would otherwise be a total language barrier. I have s across Europe, and it's always really interesting sharing ideas with them, and seeing how where we live affects who we are as people. If I was not able to speak other languages, I wouldn't be able to have that insight into other cultures and other counties. So you want to learn a new language? First, pick the one that interests you the most. Then, check out three tips for subtly improving without even realizing! 1. Get a pen -- or Facebook -- pal Okay, so no one writes letters anymore. So find a -of-a- who speaks the language you're learning and add them on Facebook/BBM/Whatsapp/Skype. If they're age and share some similar interests, you're not going to mind speaking to them once in a while. The way they misuse English can sometimes be really entertaining (they'll be laughing at your Spanish/French/Italian/German etc. too, of course, but don't think about that...). 2. Read magazines in a foreign language Reading magazines is so much more fun than reading novels, and it's easier (obviously), since the articles are in small chunks. It's also useful for picking up some more colloquial words that you wouldn't get in a textbook -- particularly if it's a magazine especially for teenagers. You can also decide which articles you read based on what interests you, and you can pick the magazine up every now and again when you have a moment... 3. Watch foreign language movies (with subtitles) likes watching movies (especially if they involve topless Spanish boys), and even with subtitles, you still absorb some words and phrases. It helps a lot for your spoken language, and you look really smart (and not nerdy AT ALL) if you casually drop into conversations that you've seen loads of foreign-language movies.

newsletter543@powinwulk.info

quarta-feira, 26 de dezembro de 2012

SPAM email - Learn a Foreign Language in 10 Days

Assunto: Learn a Foreign Language in 10 Days
De: Jennifer Young <newsletter4345@flegveri.info>

a

Sproutkin, co-founded by a Cupertino High School grad, is a new online book delivery and education service developed to take the guessing out of the book selection game for parents challenged with choosing between thousands of children’s books published yearly. The business puts together “Sproutkits” which are themed book selections that include up to 10 books along with a curriculum and activity card that provides questions related to the books to engage children, as well as suggested activities to go along with the theme. For example one Sproutkit may have a space theme and a suggested activity may be to make a rocket ship out of an empty toilet paper roll along with questions related to planets. A cooking or food theme Sproutkit may include the book “Bread and Jam for Frances” and the curriculum card would include easy recipes kids can make. Co-founder and Cupertino High graduate, Alda Leu Dennis, says it was her business partner with a daughter who came up with the idea. “Her daughter was pre-school age and she spent a lot of time picking out books,” Dennis says. Between brick-and-mortar bookstores, online stores or the library parents have literally thousands of book choices. Deciding which books will be most appealing to a little one can be daunting. Plus bookstores are harder to come by and library hours in many cities have been cut due to budget restrictions. Cupertino Library is an exception to that thanks to the City’s commitment to residents to keep regular hours, and a strong Cupertino Library Foundation that helps with funding. The monthly cost for the service is $25 for Sproutkits, and Sproutkin is ing Cupertino residents a monthly trial. New customers need only enter tinosprout in the coupon/gift code box on checkout. Sproutkins also has option for those wishing to give the service as a gift. The model s children will be without books, Dennis says. Sproutkins is aimed at the age 3 to 6 now, but is already talking about expanding that in the future as well as branching out into foreign language books, and digital readers. An educational advisory board made up of teachers and school administrators helps select the books and develop the curriculum cards. Dennis has 2-year-old twins that are already “very engaged by books, loved to be read to and love looking at the pictures,” she says. Research she and her s have done say that it’s important to give children 500 words an hour to help them with their language skills. That’s a lot of talking, but books can help with that, Dennis says. “And hopefully it will give them a lifelong love of reading,” she says.

Also see
New Govt Program Allows
http://spam-correio-nao-solicitado.blogspot.pt/2012/12/spam-email-new-govt-program-allows.html

SPAM email - New Gov't program allows house owners to cut their home payments in HALF! See below.

Assunto: New Gov't program allows house owners to cut their home payments in HALF! See below.

De: Amanda McGoldrick <newsletter778@rastfraim.info>

Roughly 3,000 agents surveyed by the National Association of Realtors from Oct. 22 to Nov. 5 reported that just 31 percent of their sales were to first-time ers. Normally, first-time ers represent closer to 40 percent of the market, according to the survey. Likewise, a monthly tracking survey of about 2,500 agents, this one conducted in October by Campbell Surveys and Inside Finance, showed the first-time er’s share of the market at 34.7 percent. That’s the lowest percentage recorded in the survey’s three-year history, according to Thomas Popik, Campbell’s research director. The survey results also demonstrated how heavily first-time ers rely on loans backed by the Federal Housing Administration. These loans are attractive to first-timers with moderate incomes because the down-payment requirement is just 3.5 percent. About half of first-time ers now use F.H.A. financing, Mr. Popik said. But these loans are becoming more costly, which could be contributing to the drop-off in new ers. The financially troubled agency raised its rates for this year, and has announced plans to do so again next year. Although that will amount to only 0.1 percent of the loan amount, the higher premiums do make it harder for people already facing tight lending standards, Mr. Popik noted. “Today’s market is all about the availability of financing,” he said, “not the interest rates.” Uncertainty about coming regulatory changes is making community lenders all the more cautious about approving loans to first-time ers, said David Wind, the president and chief executive of the Home Company in White Plains. The Realtors’ survey also noted that cash-rich investors are crowding out hunters of lower-priced properties. Still, new-er activity may be stronger in the New York metropolitan area than national surveys suggest. “It’s very hard to lump this market with the rest of the country,” said Jordan Roth, a senior branch manager of GFI Bankers in Manhattan. “It’s very geographically distinct.” At least anecdotally, Mr. Roth said, he has seen a “tremendous ” in new ers in the tristate region over the last year. High rents and low vacancy rates are driving the purchase activity among people who have their finances in order, he added. “People have been reading about the strict regulations, and have taken the necessary steps that will improve their and allow them to ,” Mr. Roth said. Peter Grabel, a senior loan originator for the Luxury Corporation in Stamford, Conn., is also seeing new ers who feel they are being priced out of the New York rental market. In the higher price ranges, for which Federal Housing Administration loans are unavailable, first-time ers are frequently using cash gifts from relatives to meet the hefty down-payment requirements, he said. Webster Bank, which has branches in Connecticut, New York, Massachusetts and Rhode Island, has seen a rise in its first-time er business this year. Like many lenders, the bank has gone after first-time ers with an education outreach program aimed at both real estate agents and potential borrowers. Some would-be ers are sitting on the sidelines because they are unfamiliar with first-time er programs, and don’t realize that it may be costing them more to rent than to own, said Simon Tahan, the bank’s senior vice president for sales and distribution. Purchase loans represented 16 percent of Webster’s loans in January. Now, Mr. Tahan said, purchases represent closer to 36 percent.

New Gov't program allows house owners to cut their home payments in HALF!

newsletter778@rastfraim.info also see Auto Policy Update http://spam-correio-nao-solicitado.blogspot.pt/2012/12/spam-email-urgent-auto-policy-update.html

SPAM email - URGENT: Auto Policy Update Effective Immediately

Assunto: URGENT: Auto Policy Update Effective Immediately

De: Customer Support <white_karen@filtsmagh.com>

Dear abreupires@sapo.pt:

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According to our records, your rating is "safe and low-risk".

As a result, you may be eligible for up to 50% off your policy!
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white_karen@filtsmagh.com

terça-feira, 25 de dezembro de 2012

SPAM email - Looking for a better deal on Auto Coverage ?

Assunto: Looking for a better deal on Auto Coverage ?
De: Harriet Gregory <newsletter456@fraynohare.info>

Can you explain what a deductible is? I don't know what amount to choose for my collision and comprehensive deductibles because I don't understand how exactly it all works. Answer: A deductible is the amount that you agree to pay out of pocket before your car benefits start up after you've filed a claim. Once your deductible amount is paid, then your auto company should pay the remainder of the claim, up to your policy limits. Not all car coverages have deductibles associated to them. For example, liability coverages don't have deductibles, some coverages such as personal injury protection (PIP) and uninsured motorist might, depending upon your state and insurer, and physical damage coverages of collision and comprehensive always will, unless you choose $0 as your deductible amount. You may have one or several deductible amounts to choose at the inception of your policy. We'll stick to examples with collision and comprehensive coverage since you asked about them specifically, but the same general principles apply to any coverage with a deductible. How does a deductible work? When ing physical damage coverages you are offered deductible amounts that can range from as low as $0 to as high as a $2,500 (or more with some insurers); however, the most popular deductibles choices are $250, $500 or $1,000. Let's say you have chosen a $500 collision deductible and get into an auto accident that causes $4,000 in damages. After filing a collision claim, you'd pay the repair shop the first $500 and your auto insurer would pay the remaining $3,500. If your vehicle is worth 4,000, then your car would be deemed a total loss. Instead of you paying the $500 deductible, that amount would be deducted from the actual cash value of the vehicle (the most your insurer will pay out under collision or comprehensive coverage), and you would receive $3,500 from your insurer. If the damage to your vehicle were 450, instead of $4,000, then there would be no reason to make a claim since your collision benefits only kick in once the repair costs are over $500, and thus you'd be responsible for the whole $450 repair bill. Your deductible is normally due whether you're at fault or not (there are a few exceptions, such as the comprehensive deductible for windshield claims in some states). If you're not at fault in an accident and don't want to pay your deductible, then you'll need to go through the at-fault party's property damage liability coverage to make your claim. What amount should I choose? The more financial risk you place on your auto provider, the more you'll pay in premiums. A lower deductible means you pay less out-of-pocket when a claim is made, but you'll pay more in premiums. A higher deductible means that you'll pay out more when filing a claim, but you'll pay less in premiums throughout the year. Our philosophy is that is for the big things, not the little ones. We recommend that you pay for minor damages without involving your company. File a claim only for damage you cannot afford to fix yourself. If you make claims for every minor scrape, the number of claims will cause your premiums to go up even more. If you make enough claims, your insurer may decide not to renew your policy. Most small repairs aren't worth filing a claim over. For example, a $500 dent repair would bring you a check for 250 once your $250 deductible is paid -- and it could start the clock ticking on higher rates at renewal time that could ultimately cost many times more. That means you should choose a deductible that you can afford, but high enough so that small scrapes and bumps fall beneath that limit. (See ”Will higher deductibles save you money?”) If you choose a $1,000 deductible, you could save money on your premiums, but you need to make sure you can come up with $1,000 if you need to make a claim. Otherwise, your car may be sidelined until you can come up with the money. (See “What if I can't pay my deductible?”) To help decide not only what deductible amounts you should choose but also what coverages may be appropriate for you, try out Car.com's coverage calculator. You can also see how different deductible amounts will affect your rates by comparison shopping for car quotes. Our quoting system allows you to get a quote and then go back to edit your deductible amounts and get updated quotes to see how the change affects rates.