Nokia N79

Nokia N79 comes from the family of Nokia N-series. No doubt, it is a smart phone with lots of amazing features. It is a very small and light handset in the N-series. Because of this, lots of people prefer it a lot. There are lots of N-series mobiles, but Nokia N79's performance is outstanding in terms of functions and features. There are lots of things to be explained, but let's have a look at some magnificent features of it:

Amazing Camera Phone

It has 5 megapixels digital camera with dual LED flash and Carl Zeiss lens. You can capture lots of memorable events with this amazing camera phone. The photos of this camera are clear and sharp and snaps can be geotagged to particular places too.

Entertainment features

While purchasing the mobile, the second thing which people focus is the entertainment. In Nokia N79, there are digital music player systems, lots of games to play and FM transmitter and FM receiver with RDS support. So, dance and enjoy the music of your own choice.

Wi-Fi & 3.5G HSDPA connectivity

The Nokia N79 comprises Wi-Fi and high-speed 3.5G HSDPA, which makes it easy to share feeling and experiences on blogs, websites, and the like.

A GPS navigation

Nokia N79 built-in A-GPS with Nokia mobile maps that makes your journey easy to reach. This phone never let you lose your way. Additionally, Nokia N79 features sliding lens cover, which helps in protecting the lens of camera, when it is not in use; hands-free integrated speakerphone and automatic redialling system. So, there is no problem to redial again.

Nokia N79 Software Features

It has photos application for viewing photos, printing locally, organizing into albums, and joining meta-data or tags. There is Xpress Print application for printing snaps through the web. For enjoying the music or songs, it comprises music player with MP3, WMA, eAAC+ and AAC. And you can also use video playback through RealPlayer.

In a word, Nokia N79 is a handsome handset carrying lots of features in a single package. Therefore it is the right value for your hard earned money. And you can go for Nokia N79 without any doubt.

Samsung T919

Cut throat competition has accelerated the production of mobile phones to an unprecedented scale. All mobile phone companies are putting efforts to come up with the best handset. And, it will not be wrong to say that Samsung T919 is the result of this competitive rivalry. Samsung T919 uses Touch Wiz user interface. This allows you to drag-and-drop applications to the home screen of your mobile phone and gives you a perfectly customized experience.

This is not all about Samsung T919 mobile phone. There are many more features to explore and enjoy.

Some of the fantastic features of this handset include:

Samsung T919 has got elegant and smart Design

This smart mobile phone gives very impressive and imposing images on a large 3" LCD color screen. ts responsive touch screen and virtual QWERTY keyboard allows you text, write blog and chat with all ease and comfort. Samsung T919 is a great way to be in touch with your world.

Ultra High Resolution 5.0 Mega Pixel Camera Both in Front and BackThe T919 has two cameras. One camera is front facing and other one is mounted on the back with auto-focus and an LED flash. Both cameras allow you capture professional-quality snaps. Apart from them, by dint of the microSD memory card slot, you can easily store your pictures files.

Full HTML Web Browsing with High-Speed Connectivity

With Samsung T919, you can enjoy high speed connectivity. Whether you're enjoying videos, music, watching photos, playing games, it helps you with its high speed connectivity.

Customizable Widgets

Samsung T919 comes with customizable Widgets and this help you move around very quickly. With the help of widgets, now you can enter into your favorite functions and applications quickly.

Assisted GPS

Regardless of the place you are at, GPS navigation features optional voice-activated search and turn-by-turn directions are always there with you to help you out.

To sum up, amidst the various mobile phones available on the market, Samsung T919 is such a mobile phone as truly touches your life with its technological specifications and easy to use features. However, before getting Samsung T919, requirement must be assessed and given first priority.

Sony Ericsson C905i

Sony Ericsson C905i not only wins the competition in the market, but also facilitates the demand and satisfaction. The handset is the unique blend of new technology and your need. The mobile phone values your money and is available at a very attractive price with the best features in the market. This headset is the market leader in its segment and has gained global acceptance quickly.

Some of the features of Sony Ericsson C905i are as follows:

Sony Ericsson C905i comes with 8.1 megapixel camera with Xenon flash. It has HSDPA technology which enables you to get awesome download speed. You search out news feeds and web sites in seconds. You can download email attachments and large files faster than ever.With the help of integrated Media player you can enjoy video and music playback and these are supported by several file formats.

The handset is supported by DLNA technology which allows you to connect other wireless electronic devices with the help of Wi-Fi. You just connect your TV and enjoy your photos. Sony Ericsson C905i is the best designed slider handset in silver colour having 136g weight. The handset has inbuilt GPS. This enables you to find your way out like Way finder and Google Maps™, the location based service. You can use the geo-tagging function as well.

Sony Ericsson C905i is enabled with Face detection function. This function in C905i allows you to take photos of your kith and kin sharply and clearly. This is done with ease, because the function automatically searches out and focuses the face of the viewfinder. The handset facilitates you with a personal blog site. So, just put in some video clips or moving pictures and in a few clicks you can upload it.

This mobile phone has 2.4-inch scratch resistant mineral glass display with high resolution picture quality. It comes with Bluetooth connectivity including stereo Bluetooth support. 
Sony Ericsson C905i is not just a mobile phone, but a digital camera, media player and a quality video recorder and much more. Buying this mobile phone is an apt investment and you can get a complete technotainment handset. So, Sony Ericsson C905i is, no doubt, the real value for your money.

Samsung Pixon

Samsung has stepped up to the 3G plate with another mobile phone that is more than meets the eye. The Samsung Pixon, like you might guess from the name, is as much a camera as it is a phone. The standout feature being a top notch 8.0 megapixel digital camera built in.

With imaging being its strength, the Pixon comes loaded with all kinds of great imaging software for use with that great camera. For those pictures of you friends and family, the Pixon comes with face detection autofocus software as well as Smile Shot, which is a program that makes sure your picture is taken when the subject is smiling. It also has advanced shake reduction, to help you avoid those blurry pictures everybody hates. The camera is also great for use as a video camera, able to record up to 120 frames per second and works excellent for video phone calls.

The Pixon has a huge 3.2 inch TFT touchscreen, that is perfect for all you needs from imaging, surfing the web to watching video clips. For watching those video clips, the Samsung Pixon comes ready to use with all your MPEG4, WMV, DivX or XviD video files. Unlike many other phones, the Pixon has very few limitations when it comes to videos. When it comes to music, the Pixon has a media player that supports MP3, AAC, eAAC+ and WMA music files, it also has FM radio with RDS.

With all those files, you're going to need some memory to save them. The Pixon has you covered, it has 200 MB of internal memory and a microSD slot for expanding your memory. Unlike some other 3G phones, this one is compatible with larger High Capacity SD cards also. You'll never run out of space with this model.

Of course, like most mobile phones these days, the Pixon has Bluetooth 2.0 stereo for all your compatible devices and Bluetooth needs. Surfing the web is a breeze with the 3.2 inch touchscreen and simple navigation. All the normals are onboard, like IM, email, text messaging and much more.

As a 3G mobile phone, the Samsung Pixon is just another face in the crowd but as a multifunctional device, it stands alone. You don't come across a phone with such imaging capabilities everyday, if that's what you want from your mobile phone, make sure to check out the Samsung Pixon.

T-Mobile Prepaid Phone

Here's the deal: You T-Mobile prepaid phone can be purchased using one of two plans.

As it turns out, first plan, coined pay-as-you-go, is the type of plan that allows you to purchase talk time, as you need it. Moreover, when you have run out of minutes, you simply top-up and buy additional minutes for your plan.

I know you're probably skeptical. Right? But, to tell you the truth, this is one of the best ways for you to control your spending.

The T-Mobile prepaid phone plan pay-as-you-go gives you absolute control over the number of minutes you use and when you use them.

And, you can purchase different types of minute plans based on your immediate needs. I'm telling you, the convenience is amazing. Stores from Wal-Mart to your local grocery store carry top prepaid cards. Or, you can add additional minutes online.

The second plan is termed the U-Fix deal. In short, you choose a set amount of minutes to buy every month. If you find during the month you need more minutes, you can simply top up using the pay-as-you-go deal.

It's truly a win-win situation for you. Think about it. Without a doubt you will avoid overages that can occur with traditional plans.

Never again will you have to be concerned with whether or not you have gone over your spending limit and are now paying high per minute rates.

You set the tone for your spending, and if you need more, you buy more. Plain and simple.

And guess what? You won't have to sacrifice style by choosing a T-Mobile prepaid plan. Just for the record, you will find that you have the option of purchasing the latest handsets from the makers Nokia, Motorola, Siemens, Sony Ericson, LG, Samsung, and Blackberry.

With a T-Mobile prepaid plan, here's your chance to get a deal with no hassles or commitments. And look at this: T-Mobile Prepaid plans features no annual contracts, no monthly bills, and no credit checks.

So, what makes this so special? You have complete freedom.

Yes, you read that right. You can get your wireless cell phone service served up to you anyway you like it. Better still, you won't have to worry about receiving surprise charges on bills, changes in contracts, or any other issue.

And what's more, your T-Mobile Prepaid phone comes jam packed with bonus features including:

Nationwide long distance calls
National Roaming across continents and abroad and States if you are in the US
Free e-mail address
Caller ID
Call waiting
3-way calling


You see, by getting a T-Mobile Prepaid phone you can't go wrong. What it all boils down to is convenience. And, that's exactly what you will get - all neatly packaged in a plan that can be tailored to your specific needs. 

LG Vu CU920

The Vu has an amazing 3 inch touchscreen that is perfect for watching AT&T's streaming TV from networks like Fox, NBC, ESPN, Comedy Central and more. To help with your TV viewing, the LG Vu come with an easy to use program guide and an extendability antenna for enhanced TV reception.

TV is only one thing the Vu is good for, it comes with tons of features for your entertainment needs. These include a video player that supports both MP4 and 3GP, a great music player, XM Radio, MusicID music recognition service, Billboard Mobile(music news, ringtone catalog), CV(fast, on-demand access to video clips), AT&T Music(music services, communities, & apps) and much more. Several of these features/services do have costs or fees attached, as is to be expected for such things.

LG has also added a 2.0 megalpixel autofocus camera with video capabilities, for all your imaging needs. The Vu is as capable of Video Share, for sharing live video or recorded video clips while a call is in progress. Also on board is an image editor, so you can alter your pictures without having to transfer them to a PC.

All the common features you have come to expect are included,text messaging instant messaging(AIM, Windows Live, Y! Messenger), a microSD port for extra memory and much more. The LG Vu has extensive Bluetooth support as well, you save as many as 20 Bluetooth Pairings. It supports headsets, dial-up networking, object push, file transfer, A/V remote control, advanced audio distribution (stereo) and Bluetooth Stereo Support for Music & TV.

The LG Vu CU920 is packed with all kinds of great features, like many other mobile phones on the market today, but what really sets the Vu apart is it's mobile TV capabilities. This is more of an entertainment device than most other phones, if that's what you're looking for, look no further. The LG Vu has everything it takes to keep you entertained for all those long commutes or short breaks at work and everywhere in between.

Looking For the Perfect Place to Live? Check Out New York City Real Estate

Does the idea of the Big Apple appeal to you? Are you tired living in a dull city and want to live an exciting life? Then buying a piece of Manhattan Real Estate is a good thing to consider.

When you have searched for homes in different areas you can become overwhelmed at the prospects. You are looking for a home where the whole family will be happy. If you have children, you want to offer them the best possible opportunities for them to make it in this life. You want to live someplace where events take place on a daily basis. If this sounds like you, then New York City is the place to live.

Things to Remember

When you are searching for perfect luxury homes, you should look beyond the price of the house. You need to look at the interest rate and make sure you get the best rate available as well as finding out what the interest will be down the road with your loan. You should really read everything before signing anything, especially the fine print. If you have the opportunity, you may wish to hire an attorney who can help you understand everything and has your interest in mind. Everyone who borrows money to buy a home is unique. The loan should be catered to your needs, wants, and desires.

You should also remember to ask about all the additional costs and fees accompanying the mortgage on your home. Be sure to double-check the fine print and verify the time limit of the closing. Most importantly, make sure you have everything lined up before signing that bottom line.

Interesting Facts about New York City Real Estate

When you search for a house, one of the things you should do is check out the area and surrounding places to see if it fits into your lifestyle. The annual average temperature is roughly 55ºF. As of 2007, the average home of the New York City Real Estate area was roughly $783,000. Other averages in the area include the condo price at $1.26 million, Manhattan apartment price at $1,415,000, and Brooklyn neighborhood price at $623,000.

Activities in New York City

There are numerous places to visit and spend time when visiting New York City. Just imagine living in this wonderful place and having the opportunity to visit the following places whenever you want. You could always visit Central Park. There are 843 acres to discover. There are numerous activities to do with your family in Central Park.

There is the Friedsam Memorial Carousel, Belvedere Castle, Central Park Wildlife Center, or Zoo, Tisch's Children's Zoo, Strawberry Field, Wollman Ice Skating Rink, Great Lawn, and Conservatory Water. All of these places within Central Park make it a wonderful drawing for anyone who wants to move to an active city. Central park is fantastic to take your family on a picnic or just lie around by yourself and contemplate and reflect on your life.

The next place to visit with your is the Metropolitan Museum of Art - also known as the Met. There are more than 2,000,000 pieces of art. Third, you could visit Staten Island Ferry where you get to experience just what the immigrants experienced on their first ride to a new world. You get to see the Statue of Liberty, New York City skyline, and the Brooklyn Bridge while riding on this ferry. From this ferry you can visit the Statue of Liberty and Ellis Island which would give you a first hand view of this majestic lady.

When visiting or living in New York City you could go to Grand Central Terminal and take it to Trinity Church, Empire State Building, Solomon R. Guggenheim Museum, Frick Collection, as well as the Lower East Side Tenement Museum.

If all of the above sounds like something you would like to offer your family, then you need to check into New York City Real Estate. You and your family will love the non-stop pace of the Big Apple.

Real Estate Agent - A Successful Working Relationship With a Residential Realtor

A real estate agent is the person you hire to help you buy or sell your home. Beyond that simple statement of information, many people do not know what working with an broker means and what it entails. Here is a detailed list of how to successfully work with a residential realtor.

Understand the Legal Restrictions

Real estate brokers are bound to strict anti-discrimination rules by the Fair Housing Act. This means that an agent cannot use or provide information about race, color, religion, national origin, gender, handicaps, or familial status of owners or neighbors of a property they are selling.

So do not ask them to find you a home next to a particular church or ask them about the racial makeup of a certain neighborhood. That kind of information is considered discriminatory and it is illegal for a broker to help you select a home based on any of the mentioned factors.

Realize that Agents Are Not Free

Most residential real estate agents work on commission. That means they are not paid by the hour or by the visit for their time with you. They get paid a percentage of the home sale when the deal closes. So to work most successfully together, you should develop a relationship of trust with your realtor and not be overbearing in your requests.

Common Courtesy Goes A Long Way

Just as you expect your agent to be considerate of your time, you should pay your realtor the same respect by being punctual to appointments and let them know as soon as possible if you need to cancel a showing. And a quick call is always appreciated if you know you are going to be late for an appointment.

Talk Openly About Your Expectations

Realtors are used to working with all sorts of people and personality types on residential real estate deals. That means that they are usually very accommodating, but they need to know what your expectations and preferences are. You need to tell him the best way to communicate with you and what the best times are to contact you.

You should also make it clear whether you want to simply meet your broker at all showings or have them pick you up and drive you there. You should feel comfortable enough talking about anything you are not happy with and finding reasonable solutions.

Let Your Agent Fully Represent You

There is a whole system of protocol in the residential real estate business. This typically includes bringing your agent with you to open houses. Going alone is considered a sign that you are not a serious contender for the sale. If you cannot bring your realtor to a particular open house, at least present their card to the host to show that you are represented and have taken the proper steps to start the home buying process.

Under no circumstances should you start talking figures and prices with the hosting agent; that is a broker's job and your questions will probably not be well received from the hosting agent and your agent will likely be miffed that you didn't let her handle that arena.

The main key to a successful relationship with your agent is communication. Open communication will help you understand the bounds of the agent's job and help your realtor understand your real estate desires.

What a Real Estate Agent Will Do For You

A residential real estate agent will offer you several key services that can help you buy or sell a property. There may be a few cases where you might be better off without one, but in most situations you will find their services invaluable.

Helpful in Buyer's and Seller's Markets 
In a seller's market, you may be tempted to think that you do not need a residential real estate agent, as buyers gobble up everything placed on the market at top speed. Yet, while you will probably be able to sell your home without an agent in this type of market, you may not have the expertise to know what if you got the best price.

Real estate agents have inside information about the comparable value of other homes in your neighborhood and can help you figure out how much you can demand from a buyer.

And when conditions have moved into buyer's market territory, an agent can come in really handy. When you really need your home to stick out among all the rest, an agent has the expertise in how and where to list your home. An agent can give you tips on the most important upgrades you should make to your house and the best ways to organize and present your home to potential buyers.

Professional Photography Services 
Real estate agents know how important professional, attractive pictures of your home are in selling it for the best price. Many potential buyers and their agents will not even look at MLS listings without pictures. People are very unlikely to drive out and take a look at a house for sale if they do not even have a preliminary glimpse of it.

And even if you consider yourself an able photographer with good Photoshop skills, the real estate agent's professional contacts are much better because they specialize in making a home look its absolute best.

Marketing Assistance 
In addition to getting you some excellent photographs of your home, an agent is in charge of marketing your home to the widest selection of buyers possible. This means putting up professional-looking, quality signs, placing your home on several multiple listing services (MLS) and perhaps even adding links to virtual tours for the convenience of potential buyers.

He may even advertise your home through fliers and mailers. All of this takes a lot of the work and cost off of your shoulders, allowing you to go about your life as normal while the agent does the work of selling your home.

Good Sales Tactics 
Many people are not comfortable with the fine art of persuasion. Residential real estate agents are typically in their field because they are competent salespeople who know how to entice and influence buyers. This can come in handy when buyers come through your home during open houses or on scheduled visits as the agent can help them picture themselves owning your home. They can point out all the best features and really make the sale seem exciting.

Negotiation Help 
Real estate agents also do the entire price and term negotiations for you. This means you have a professional on your side, lobbying to find you the most profitable deal whether you are buying or selling. That is can certainly be an advantage worth paying a small commission for!

Future Housing Bubbles - Should We Prevent Them?

The deflation of housing bubbles is very financially and emotionally painful, and if possible, housing bubbles should be avoided. The pain of the deflation of a housing bubble cannot be avoided by trying to keep the bubble inflated, or by trying to deflate it slowly. The only way to avoid these problems is to prevent the bubble from inflating in the first place through some form of intervention in the mortgage market. Intervention can take the form of a market-based intervention demanded by investors and ratings agencies, and it can also come about through direct government regulation.

The regulated free-market system in place at the turn of the millennium allowed the creation of the Great Housing Bubble. Some combination of market-based and regulatory reforms is necessary to prevent the same circumstances that created the bubble from creating another one; it is imperative to prevent the next bubble in order to avoid the problems from the bubble's deflation.

A substantive bailout plan to rescue homeowners would be fraught with problems and unintended consequences. In September of 2008, the banking system neared collapse due to the problems of the fallout, and a banking system bailout became necessary. This outcome argues more forcefully for an intervention to prevent future bubbles from occurring in the housing market.

A future bubble in the housing market must be prevented. The economic and personal problems resulting from the deflation of the Great Housing Bubble must not be inflicted on another generation. Just as those who endured the Great Depression struggled to understand what went wrong and prevent its reoccurrence, we must prevent another bubble in the housing market. There are both market-based alternatives and regulatory-based policies that could serve to prevent the next housing bubble. The market based solution proposed herein is to expand the use of the income approach to property appraisal to tether prices to fundamental values. The regulatory solution proposed herein is a multifaceted approach that limits lending to within certain standards. The policing mechanism is a shift to civil enforcement through allowing borrowers to obtain debt forgiveness for amounts lent outside of the approved parameters.

The Great Housing Bubble was an epic event impacting the lives of nearly every household in the United States and around the world. At first it was a giant house party fueled by excessive borrowing and spending by homeowners. The hangover was not pleasant. As of the time of this writing the full history of the fallout is not yet recorded. The decline in prices to this point has been breathtaking and unprecedented. When the full history is written, and the final impact of the bubble is measured, many will remember the Great Housing Bubble as one of the most important historical events of their lifetime.

Loan Modification - What Really Happens?

The housing market is a mess right now. Millions of Americans are unable to make their mortgage payments. When a mortgage goes unpaid for too long, then a foreclosure follows. This hurts the housing market more because every foreclosure drags the cost of homes down lower and costs lenders even more money. To answer this problem homeowners can now seek and receive a loan modification. But what happens with a loan modification?

First of all, the entire point of a loan modification is to lower a monthly mortgage payment so that it's more affordable. This is done by one or more of the mortgage terms being changed. The loan modification has to be agreed upon by both the lender and the mortgagee. However, there are certain criteria that must be met in order for a mortgagee to qualify for a loan modification.

Three of the biggest conditions that must be met are:

1. The homeowner has to demonstrate a hardship that resulted in an inability to pay the monthly mortgage payment. There are many different types of hardships that qualify.

2.The mortgagee has to prove that the new monthly payment obligation set forth by the loan modification is affordable and can be made on time.

3.The current home has to be worth less than the current amount of the mortgage. With the crash in the value of homes, this is the case for millions of Americans.

Unfortunately, once a homeowner falls behind with a couple mortgage payments, the late fees and penalties make it almost impossible to ever get caught up with the payments. What often happens with a loan modification is that those late fees and penalties can actually be rolled right into the principal of the loan.

So, what happens with a loan modification is that the mortgagee and the mortgagor agree to change one or more of the terms of a mortgage. Then the mortgagee basically starts all over with a new lower monthly payment that is much more affordable. This keeps the mortgagee in the home and it allows the lender to continue getting paid on the loan.

That's what happens with a loan modification. It's a great alternative for many homeowners, and many lenders, since it allows homeowners to stay in their home and won't continue to add more weight to a housing market that is already near its breaking point.

Loan Modification Application Forms - Do You Know How to Complete Them Properly?

Homeowners facing financial hardship can increase their chances of getting help by learning how to complete the required loan modification application forms properly. Do you know how to prepare your loan modification forms so they have the best chance of meeting your lender's guidelines? The truth is that your lender will base their decision to approve or deny your loan modification application based in large part on the information you provide. Make sure you know how to present your proposal in the best possible light. Here is some helpful information.

Frustrated and confused borrowers may think that they have no control over whether their lender approves their loan modification application-but you can greatly improve your chances of getting your loan modified by learning and preparing before contacting your bank. When you take the time to learn how to best complete your loan modification forms ahead of time, you will not be caught off guard when your lender asks you questions about your current financial situation. You will not be under pressure because you already know how to answer properly. You can take your time, work on your budget, debt ratio and final proposal so that it has a good chance of meeting your banks guidelines for approval.

You will be asked to prepare a financial statement that is basically a snapshot of your current situation. You will also need to prove to them that you can afford to pay and maintain the new modified loan payment. This can be tricky, because you have to show that you cannot afford the current payment but will be able to afford the new payment and have a little left over for emergencies. When you know how to present your situation so it conforms to your lenders approval criteria, your loan modification forms can be completed accurately. Make sure your guns are loaded and ready before you contact your lender by knowing how to complete the loan modification application forms properly.