Funny SMS

Love is Photogenic
Love is Photogenic, it needs darkness to develop.

Do U know the fullform of COLLEGE?
Do U know the fullform of COLLEGE- C-Come,O-On,L-Lets, L-Love, E-Each,G-Girl,E-Equally......Thats why boys go to college regularly....

girls are like phones
girls are like phones. we like to be held and talked too- but if u press the wrong button u'll be disconnected!

An independant study has proven
An independant study has proven dat those who have a bad sex life & who are crap in bed are readin dis message in their right hand!

i want u 2 know dat our friendship
i want u 2 know dat our friendship means alot 2 me.U cry i cry.U lauf i lauf.U jump out of da window... I look down & den... i lauf again

At dis moment in time 10 million people
At dis moment in time 10 million people r having sex.5 million people r drinking coffee.100 million people r sleeping & 1 stupid fool is reading my text!

I'm a killer, i kill people for money
I'm a killer, i kill people for money, but you are my friendI KILL YOU FOR FREE !!

One day Santas Girlfriend asks him
One day Santas Girlfriend asks him, Darling, om our Engagement will you give me a RING?Santa:Ya sure, Give me ur Telephone No

First the engagement ring
First the engagement ring, then the wedding ring, then the suffering!!!

What happend 2 ur mobile?
What happend 2 ur mobile? i was trying 2 call u but i got this msg: welcome 2 D jungle network,D monkey u r tring 2 call is on tree plz try later.

Merry Christmas, Enjoy New Year
Merry Christmas, Enjoy New Year, Happy Easter, Good luck on Valentines, Spooky Halloween & Happy Birthday Now bug off and don't annoy me for the next 12 months!!!!

If ur world is spining Round & Round
If ur world is spining Round & Round..& Round....Ur heart is beating fast, do u think its LOVE? na Munna na its called high B/P...


When i open my eyes every morning
When i open my eyes every morning i pray to God that everyone should have a friend like you.... Why should only i suffer!!!

When I was born Devil said...
When I was born Devil said...Oh Shit!!! Another GOD!!!..& When u were born devil said ...Oh Shit!!!!Competition...!!! ....

Friendship SMS

In The Flower My Rose Is You
In The Flower My Rose Is You,In The Diamond My Kohinoor Is You,In The Sky My Moon Is You,I'm Only Body My Heart Is You,That's Why I Always MISS YOU!

I MISS YOU in every beats of heart
I MISS YOU in every beats of heart,In every blink of my eyes,In every second of Time and...In every moment of the Day !

If you wanna know how much i miss you
If you wanna know how much i miss you, try to catch the raindrops, the ones you catch is how much you miss me, and the ones you miss is how much I MISS YOU...

I miss you utna
I miss you utnaYou miss me jitnaI miss u tabseYou miss me jabseI miss u tabtakYou miss me jabtakYou miss me jaane kabtakBut i miss u marte dum tak

Ja mere SMS Ja
Ja mere SMS JA MERE SWEET DOST K PAS JA...DHEERE SE JANA...SHOR MAT MACHANA... BZY HO TO...KUCH MAT KEHNA FREE HOGA TOW...PYAR SE MISS U KEHNA...

All r very boring witho_t yo_
S_nriseB_tterflyPict_reL_nchB_s standFig_reM_sicall r very boring witho_t yo_.I think i miss u...

Knowing a person like u
Knowing a person like u, has made me happy in a million ways and if ever I have to let u go... I would find a million reasons to make u stay. I miss you.

Days are too Busy
Days are too Busy; Hours are too Few; Seconds are too Fast, but there is always time for me to ask: How R U? n Hope u r FINE. MISS U!

calling... calling... calling...
calling... calling... calling... 1 missed call reminding you that some one is missing u verrry much.

There's no Special reason
There's no Special reason for this msg, I juz wanna steal a single moment out of ur busy life & hope I can make u smile n say: I Miss U.

If u think I miss u all the time
If u think I miss u all the time u r wrong I miss u only when I think about u but damn it I think u all the time.I miss u sweetheart.

I don't wanna feel the way that I do...
I don't wanna feel the way that I do, I just wanna be right here with you, I don't wanna see, see us apart, I just wanna say straight from my heart I miss you!

I hide my tears
I hide my tears when I say your name, but the pain in my heart is still the same. Although I Smile & Seem Carefree, There is no one Who misses you more than ME!

3 Little Hearts
I m sending u 3 little hearts to remind u 3 things, I m HERE, I CARE and i MISS U

Best Wishes SMS

LUCK is yours
LUCK is yours wishes are mine let's ur future be always shine. Best of Luck

Fly in the plane of Ambition
Fly in the plane of Ambition & Land in the Airport of Success...Luck is yours,Wish is mine...May Ur future always shine...Good Luck

Care for the one who shares
Care for the one who shares with u, share with the one who knows u, know the one who MISSES u, MISS the one who WELL WISHES for u, Wish u all the Best

The HOPE, The STRUGGLE and The HARD WORK
The HOPE, The STRUGGLE and The HARD WORK towards a goal/ success is part of the rewards. Achieving goal itself is not the whole reward........ BEST WISHES

Every sunset gives us one day
Every sunset gives us one day less to live! But every sunrise give us, one day more to hope! So, hope for the best. Good Day & Good Luck!

never say u r alone
never say u r happy when u r sad...never say u r fine when u r not ok...never say u feel good when u feel bad,...never say u r alone when i m still alive...good luck and best wishes for ever...

Good Day & Good Luck
Every sunset gives us,One day less to live!But every sunrise give us,One day more to hope!So, hope for the best.Good Day & Good Luck!And Good Morning!

May God suceed u in every exams
Rain of summer, snow of winter,grace of autumn, glory of spring,May beauty of every seasongive ur heart a beautiful reason 2 smile.May God suceed u in every exams of ur life.Good luck & all the best

Web site design

Web site design

A Web site is a collection of information about a particular topic or subject. Designing a website is defined as the arrangement and creation of Web pages that in turn make up a website. A Web page consists of information for which the Web site is developed. A website might be compared to a book, where each page of the book is a web page.

There are many aspects (design concerns) in this process, and due to the rapid development of the Internet, new aspects may emerge. For typical commercial Web sites, the basic aspects of design are:

• The content: The substance, and information on the site should be relevant to the site and should target the area of the public that the website is concerned with.
• The usability: The site should be user-friendly, with the interface and navigation simple and reliable.
• The appearance: The graphics and text should include a single style that flows throughout, to show consistency. The style should be professional, appealing and relevant.
• The visibility: The site must also be easy to find via most, if not all, major search engines and advertisement media.

A Web site typically consists of text and images. The first page of a website is known as the Home page or Index. Some websites use what is commonly called a Splash Page. Splash pages might include a welcome message, language/region selection, or disclaimer. Each web page within a Web site is an HTML file which has its own page. After each Web page is created, they are typically linked together using a navigation menu composed ofhyperlinks. Faster browsing speeds have led to shorter attention spans and more demanding online visitors and this has resulted in less use of Splash Pages, particularly where commercial websites are concerned.

Once a Web site is completed, it must be published or uploaded in order to be viewable to the public over the internet. This may be done using an FTP client. Once published, the Web master may use a variety of techniques to increase the traffic, or hits, that the website receives. This may include submitting the Web site to a search engine such as Google or Yahoo, exchanging links with other Web sites, creating affiliations with similar Web sites, etc.

Garden design

Garden design

Garden design is the art and process of designing and creating plans for layout and planting of gardens and landscapes. Garden design may be done by the garden owner themselves, or by professionals of varying levels of experience and expertise. Most professional garden designers are trained in princples of design and in horticulture, and have an expert knowledge and experience of using plants. Some professional garden designers are also landscape architects, a more formal level of training that usually requires an advanced degree and often a state license. Many amateur gardeners also attain a high level of experience from exensive hours working in their own gardens, through casual study or Master Gardener Programs offered by the American Horticultural Society.

Garden owners have shown an increasing interest in garden design during the late twentieth century, both as enthusiasts of gardening as a hobby, as well as an expansion in the use of professional garden designers. Sissinghurst, one of the most admired gardens made in the twentieth century, was designed by its owners: Harold Nicolson and Vita Sackville-West.

Design and art

Design and art

Design is often viewed as a more rigorous form of art, or art with a clearly defined purpose. The distinction is usually made when someone other than the artist is defining the purpose. In graphic arts the distinction is often made between fine art and commercial art.

In the realm of the arts, design is more relevant to the "applied" arts, such as architecture and product design. In fact today the term design is widely associated to modern industrial product design as initiated by Raymond Loewy.

Design implies a conscious effort to create something that is both functional and aesthetically pleasing. For example, a graphic artist may design an advertisement poster. This person's job is to communicate the advertisement message (functional aspect) and to make it look good (aesthetically pleasing). The distinction between pure and applied arts is not completely clear, but one may consider Jackson Pollock's (often criticized as "splatter") paintings as an example of pure art. One may assume his art does not convey a message based on the obvious differences between an advertisement poster and the mere possibility of an abstract message of a Jackson Pollock painting. One may speculate that Pollock, when painting, worked more intuitively than would a graphic artist, when consciously designing a poster.

Loan

A loan is a type of debt. All material things can be lent but this article focuses exclusively on monetary loans. Like all debt instruments, a loan entails the redistribution of financial assets over time, between the lender and the borrower.

The borrower initially receives an amount of money from the lender, which they pay back, usually but not always in regular installments, to the lender. This service is generally provided at a cost, referred to as interest on the debt. A borrower may be subject to certain restrictions known as loan covenants under the terms of the loan.

Acting as a provider of loans is one of the principal tasks for financial institutions. For other institutions, issuing of debt contracts such as bonds is a typical source of funding. Bank loans and credit are one way to increase the money supply.

Legally, a loan is a contractual promise of a debtor to repay a sum of money in exchange for the promise of a creditor to give another sum of money

Law of Banking

Law of Banking

Banking law is based on a contractual analysis of the relationship between the bank and the customer. The definition of bank is given above, and the definition of customer is any person for whom the bank agrees to conduct an account.

The law implies rights and obligations into this relationship as follows

• The bank engages to pay the customer's cheques up to the amount standing to the credit of the customer's account, plus any agreed overdraft limit.

• The bank may not pay from the customer's account without a mandate from the customer, e.g. a cheque drawn by the customer.

• The bank engages to promptly collect the cheques deposited to the customer's account as the customer's agent, and to credit the proceeds to the customer's account.

• The bank has a right to combine the customer's accounts, since each account is just an aspect of the same credit relationship.

• The bank has a lien on cheques deposited to the customer's account, to the extent that the customer is indebted to the bank.

• The bank must not disclose the details of the transactions going through the customer's account unless the customer consents, there is a public duty to disclose, the bank's interests require it, or under compulsion of law.

• The bank must not close a customer's account without reasonable notice to the customer, because cheques are outstanding in the ordinary course of business for several days.

These implied contractual terms may be modified by express agreement between the customer and the bank. The statutes and regulations in force in the jurisdiction may also modify the above terms and/or create new rights, obligations or limitations relevant to the bank-customer relationship.

Introduction of Bank

Bank

A banker or bank is a financial institution that acts as a payment agent for customers, and borrows and lends money. In some countries such as Germany and Japan banks are the primary owners of industrial corporations while in other countries such as the United States banks are prohibited from owning non-financial companies.

Banks act as payment agents by conducting current accounts for customers, paying cheques drawn by customers on the bank, and collecting cheques deposited to customers' current accounts. Banks also enable customer payments via other payment methods such as telegraphic transfer, EFTPOS, and ATM.

Banks borrow money by accepting funds deposited on current account, accepting term deposits and by issuing debt securities such as banknotes and bonds. Banks lend money by making advances to customers on current account, by making installment loans, and by investing in marketable debt securities and other forms of lending.

Banks provide almost all payment services, and a bank account is considered indispensable by most businesses, individuals and governments. Non-banks that provide payment services such as remittance companies are not normally considered an adequate substitute for having a bank account.

Banks borrow most funds borrowed from households and non-financial businesses, and lend most funds lent to households and non-financial businesses, but non-bank lenders provide a significant and in many cases adequate substitute for bank loans, and money market funds, cash management trusts and other non-bank financial institutions in many cases provide an adequate substitute to banks for lending savings to.

Insurance

Insurance, in law and economics, is a form of risk management primarily used to hedge against the risk of a contingent loss. Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for a premium. Insurer, in economics, is the company that sells the insurance. Insurance rate is a factor used to determine the amount, called the premium, to be charged for a certain amount of insurance coverage. Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice.

How many types of insurance ? Do you know ? I know only these.....

Automobile insurance,Aviation insurance,Boiler insurance,Builder's risk insurance,Business insurance,Casualty insurance,Crime insurance,Crop insurance,Defense Base Act Workers' compensation or DBA Insurance,Directors and officers liability insurance,Disability insurance,Total permanent disability insurance,Errors and omissions insurance,Expatriate insurance,Financial loss insurance,Fire insurance,Health insurance,Liability insurance,Life insurance,Locked funds insurance,Marine insurance,Mortgage insurance,National Insurance,No-fault insurance,Pet insurance,Political risk insurance,Pollution Insurance.,Prize indemnity insurance,Property insurance,Protected Self-Insurance,Purchase insurance,Retrospectively Rated Insurance,Formal Self Insurance,Social insurance,Stop-loss insurance,Terrorism insurance,Title insurance,Travel insurance,Volcano insurance.

if i forget anyone... please comment me.....

Simbol of home insurance

Symbol of health insurance

Most famous contestants

Miss world 2007

Most Famous Official Contestants

Sitashma Chand

Sitashma Chand (born October 31, 1983) won the title of Miss Nepal 2007 on 7 April 2007, Kathmandu. She also won the titles of Miss Personality and Best Walk along the title.

Educated in various reputed educational institutions, Sitashma Chand is a young achiever in Nepal in troubled times. Her response to the Maoist protests against holding women's beauty pageants came across as a sigh of relief as it revealed a sensibility in Sitashma rarely seen in Miss Nepal contestants.

Birth name:
Sitashma Chand
Birth Date:
Nepal 1983
Title(s):
Miss Nepal 2007

Zhang Zilin (Miss World 2007 winner)

Zhang Zilin is the Miss World 2007 title holder, representing the People's Republic of China as Miss China World 2007.Zhang was born in Shijiazhuang, Hebei, in 1984 then moved to the capital, Beijing. She attended the University of Science and Technology Beijing and attained a Degree in Business Administration, and is now working as a fashion model.

Birth name:
Zhang Zilin
Birthdate:
Shijiazhuang, Hebei, 1984
Birth location:
Shijiazhuang, Hebei, China
Height:
1.82 m (5 ft 11+1⁄2 in)
Eye clor:
Brown
Hair color:
Black
Title(s):
Miss China World 2007
Miss World 2007
Major Competition(s):
Miss China World 2007 (winner)
Miss World 2007 (winner)

Micaela Reis (Miss World 2007 1st Runner up)

Micaela Patrícia Reis (born 1988 in Portugal) is an Angolan model. She was born to a Portuguese father and black Angolan mother. She won the 2007 Miss Angola contest in December 2006. She finished in the top 10 at the 2007 Miss Universe pageant. She placed 6th in swimsuit with a score of 9.150 and then 7th in evening gown with a score of 8.363. She finished 7th overall, with a average score of 8.75. She went on to compete at the Miss World 2007 pageant, which was be held on December 1 in China and finished as 1 runner up. She was also named Miss World Continental Queen of Africa. She is the currently the highest placed Miss Angola at Miss World and at Miss Universe. The previous honor was held by Stiviandra Oliveira, Miss Angola World 2006 who made the top 6 and won Miss World Africa at Miss World 2006.

Date of birth
1988
Place of birth
Angola
Height
5'10"
Hair color
Black
Eye color
Black

Carolina Morán (Miss World 2007 2nd Runner up)

Carolina Morán Gordillo (born December 30, 1987 in Manzanillo, Colima) is a Mexican model who represented her country in the 57th Miss World pageant, which took place on December 1st 2007 in Sanya, China.Morán, who stands 5'10" (178cm) tall, competed in the national beauty pageant Nuestra Belleza Mexico, held in Tampico, Tamaulipas on September 2, 2006 and obtained the title of Miss Mexico World after placing second to Rosa María Ojeda of the state of Sinaloa. Carolina placed third (second runner-up) in the 2007 Miss World pageant, which was won by Zi Lin Zhang of China.




Birth name:
Carolina Moran Grodillo
Birthdate:
ManzanilloMexico 1987
Title(s):
Miss Mexico 2007

Account

Some important information of Account

In accountancy, an account is a label used for recording and reporting a quantity of almost anything. Most often it is a record of an amount of Money owned or owed by or to a particular person or entity, or allocated to a particular purpose. It may represent amounts of money that have actually changed hands, or it may represent an estimate of the values of assets, or it may be a combination of these.

Types of accounts

• Asset accounts: represent the different types of economic resources owned by a business, common examples of Asset accounts are cash, cash in bank, building, inventory, prepaid rent, goodwill, accounts receivable.

• Liability accounts: represent the different types of economic obligations by a business, such as accounts payable, bank loan, bonds payable, accrued interest.

• Equity accounts: represent the residual equity of a business (after deducting from Assets all the liabilities) including Retained Earnings and Appropriations.

• Revenue or Income accounts: represent the company's gross earnings and common examples include Sales, Service revenue and Interest Income.

• Expense accounts: represent the company's expenditures to enable itself to operate. Common examples are electricity and water, rentals, depreciation, doubtful accounts, interest, insurance.

• Contra-accounts: from the term contra, meaning to deduct, the value of which are opposite the 5 above mentioned types of accounts. For instance, a contra-asset account is Accumulated depreciation. This label represent deductions to a relatively permanent asset like Building.

My bank account

Mount Everest

Mount Everest


Sagarmatha (Mount Everest) as seen from Kala Pattar



Elevation
8,848 metres (29,029 ft)
Ranked
1st
Location
Nepal,China
Range
Mahalangur Himal, Himalaya
Prominence
8,848 m (29,029 ft)
Coordinates
27°59′17″N, 86°55′31″ECoordinates: [show location on an interactive map] 27°59′17″N, 86°55′31″E[3]
First ascent
May 29, 1953
Edmund Hillary (New Zealand)
Tenzing Norgay (Nepal)
Easiest route
South Col (Nepal)

Mount Everest, also called Chomolungma or Qomolangma (Tibetan) or Sagarmatha (Nepali) is the highest mountain on Earth, as measured by the height of its summit above sea level. The mountain, which is part of the Himalaya range in High Asia, is located on the border between Nepal and Tibet, China. By the end of the 2006 climbing season there had been 3,050 ascents to the summit by 2,062 individuals, and at least 630 more ascents in 2007.[citation needed] There have been more than 200 deaths on the mountain, where conditions are so difficult that most corpses have been left where they fell; some are visible from standard climbing routes.



Climbers range from experienced mountaineers to relative novices who count on their paid guides to get them to the top. This means climbers are a significant source of tourist revenue for Nepal, whose government also requires all prospective climbers to obtain an expensive permit, costing up to $25,000 (USD) per person.



some beautiful pitcure of Sagarmatha (Mount Everest)



Everest North Face, Tibet Everest and Nubtse from Kala Patthar



Everest from Kala patthar in Nepal




View of Mount Everest from the Rongbuk Monastery




Aerial view of Mount Everest from the south