Darwins Blog

You need a new home. Maybe this is your first time looking at homes for sale, maybe you want an investment property, or maybe the move is dictated by a life change. Before you even pickup a homes for sale magazine, there are some important steps you should take. That’s right- you need to get your finances in order. By addressing issues of credit, pre-approval, and your financial position, you will be in a better position to look at the homes for sale that are most appropriate for your needs.

Homes for Sale and Your Credit

The topic of pre-approval and your credit really go hand in hand when looking at homes for sale. Why do you want to be pre-approved before looking at homes for sale? It takes time. Just like the actual tours of homes for sale, the paperwork required to get you the mortgage will take some time. This will also give you a good idea of what homes for sale you can afford to look at. But take it with a grain of salt. Just because a mortgage broker tells you that they will approve you for a certain amount doesn’t mean that you can afford it. Only you know the true state of your finances.

Your credit and credit score will directly impact both the amount of your loan and the interest rate you will pay. This will impact your monthly payment and therefore the price range of the homes for sale you will choose to view. If your finances are in less that tip-top shape, take some steps to sort them out before looking at homes for sale. You might consider paying off debt or addressing any issues with the three credit bureaus.

Know your FICO score when looking at homes for sale. If it’s below 650, consider taking six months to repair your credit before even looking at the homes for sale in your desired area. The short six months you spend rebuilding your credit could save you thousands of dollars in interest over the life of your home loan.

Knowing Which Homes for Sale You Can Afford

Once you have your credit and finances in order, you are ready to look at homes for sale. But wait! How do you know what your price range is? Do not base this decision on what lenders are willing to loan you! You know all those foreclosure homes for sale that you see on the market? Someone loaned those people the money to buy them.

You need to consider your current expenses as well as the costs associated with homeownership. If this will be your first time buying real estate there are a lot of associated costs: mortgage insurance, flood insurance, homeowner’s insurance, taxes, lawn and home maintenance, and utilities. Your combined home ownership expenses should never exceed a third of your total take-home pay. Some experts recommend that you look at homes for sale that are about 2.5 times your gross income. Bottom line- you’ve got some number crunching to do before you start looking at homes for sale.

John Harris is a researcher and writer on applicable real estate topics such as economics, credit improvement tips, home selling advice and home buying preparations. For more information please visit www.twtrealestate.com/LaJolla-homes.html/ http://www.twtrealestate.com/LaJolla-homes.html/

AFP - Washington has made “huge concessions” in a controversial military pact still under negotiation, but immunity issues remain a problem, Iraqi Prime Minister Nuri al-Maliki said on Friday.

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What is a fast secured loan?

A fast secured loan is that form of a loan that is backed with collateral against the loan amount and can be obtained at a swift pace. Collateral can be any thing, it can be your home, automobile, or other property. Fast secured loan is one of the lender’s favourite loans, as the collateral within these loans put lenders on a safer side. With the contribution of collateral, fast secured loan are generally low interest rate loans and they also provide repayment flexibility for burden free installments. The lower interest rate and affordable installments can facilitate you to live a normal financial life.

Fast secured loans are designed to fit all group of people whether they are containing a perfect credit score or not. Fast secured loan can also be availed by those people that hold bad credit history. In fact, fast secured loans are an effective route to improve your credit score. It is to be noted that your perfect credit score can be maintained as long as you pay your installments on time.

Depending upon the collateral value you can obtain fast secured loan up to 125% of your collateral equity. You can get this loan even for a longer period which varies from 5 years to 25 years.

You can apply for fast secured loan to accomplish a variety of necessities such as:

• Home improvement

• Credit card bills

• Debt payments

• Holiday expenses

• Expenses during marriage

• Purchase of a new car etc

Fast secured loans consist of simple application process. While choosing lenders, keep in mind that you opt for reliable lenders who have a good experience in lending fast secured loans. Gather complete knowledge related to every lender and his terms and conditions before you go ahead with your loan application. Always go for those terms and conditions which you can suit your state of affairs. You can now apply online for your fast secured loan without spinning around some streets in search of loan.

Make sure that you obtain amount that comes within your financial capacity. Do not take fast secured loan beyond your capacity, as your failure in the repayment of loan may result in the repossession of your collateral property. To make the condition worse it affects your credit score as well. Overall it’s a win-win opportunity for both lenders and borrowers.
Andrew Baker has done his masters in finance from CPIT. He is engaged in providing free, professional, and independent advice to the residents of the UK. He works for loans website UKfinanceworld.For any type of loans, Uk bad credit loans, personal loans, unsecured loans, secured loans, debt consolidation loan, mortgage, remortgage in UK please visit www.ukfinanceworld.co.uk http://www.ukfinanceworld.co.uk

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Numerous varied corporate Christmas gift notions are available. The main issue however, is no longer concerned with the number of options but the quality and particular fondness of the recipient. Even though generally personal tastes vary there are some infamous gift items that are everlasting.

One of the most common corporate Christmas gifts you can give is gourmet Christmas gift basket since it suites any age, gender, and preference. Chocolates, sweets, cookies, and other types of goodies loaded in one basket will surely treated as special by anyone who receives it.

Christmas gift certificates are also perfect corporate Christmas gift ideas. They are particularly handy if you have exhausted your brainpower and still have not managed to conceive what your client favors. It also limits the amount of work that you would have done trying to find the gift in online and department stores.

Another practical and lucrative idea is the corporate Christmas gift voucher. It gives the person on the receiving end an excuse to go out and buy something for themselves without you having to fret about their size and clothing taste. However, the gift voucher spectrum is broader than expected and one can stretch it to other sectors like: exclusive café’s, health spa’s, special courses and programs and numerous other ventures.

Remember this: gift certificates and gift vouchers with specific amount are better than giving cash of the same value.

Corporate Christmas gifts for normal clients and usual customers are not allotted an extensive budget therefore the idea of giving office material with the company’s name and symbol is effective. This gives the company unlimited exposure as these materials is utilized often.

For the elite clientele then one might want to implore the idea of holiday getaways overseas and ship cruises as considerable choices.

For management of both genders leather materials and goods can be relatively ideal gifts as there are a variety of items to select from. These may include office equipment and supplies.

Collector’s items such as commemorative coins and historical artifacts are also ideal to people with great interest to such things. Fine-crafted items such as cigar box, crystals, leather products, etc are also fine gifts that can be given to executives and partners. The main aim here is to satisfy the recipient’s taste to luxury at the same time, give you the opportunity to be remembered for the gift you have given.

Other corporate Christmas gift ideas you can consider are apparel, automotive accessories, beauty products, bags and cases. pocket and purse items, office accessories, cards and bookmarks, pens and writing instruments, office supplies, snacks, food and beverage, planners, computer media and accessories, office equipment, golf equipment, sporting goods, sports accessories, electronics and gadgets, novelty items, hats and caps, health products, safety equipment, home and housewares, magnetic items, mugs, cups, and drinkware, tools and hardware items, outdoor items, watches, wine, spirit, and accessories.

Regardless of the gift and cost of that gift it is always ideal to give your gift with the fundament of caution, love and honor.

Thomas Bronson’s main focus is in the gift industry, specifically gourmet gift basket. His trademark ecommerce website GiftBasketsAffair.com http://GiftBasketsAffair.com offers a wide range of signature gift basket ideas.

AP - A suspected U.S. missile strike targeted two areas in a Pakistani tribal region near the Afghanistan border on Thursday, killing at least nine people, Pakistani intelligence officials said.

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Coconut cream / milk

Coconut cream is widely used in curries, desserts and cakes.

That’s because it enhances the aroma and tastes of the dishes and can be obtained easily and cheaply. It has a thick, paste-like consistency and when diluted, it is called coconut milk.

However, people avoid coconut cream because of its high fat content. Especially those who want to lose weight.

But do you know that it is good saturated fat which can be easily metabolised or turn into energy fast? That means it does not cause blockages in our arteries.

I’m not suggesting you to indulge in coconut cream, but rather than avoid it altogether, it is alright to eat in moderation. The principle fatty acid in coconut milk is lauric acid, which is the same fat found in abundance in mother’s milk.

When converted to monolaurin, it boosts your immune system and protects your body against many viruses, including hepatitis C, herpes and even HIV!

It also promotes normal brain development and contribute to healthy bones.

It also has important anti-carcinogenic and anti-pathogenic properties which helps to prevent cancer. More importantly, coconut cream is less likely to cause weight gain than polyunsaturated oils. Never know coconut cream can be so good right?

Canned or packaged coconut cream is available in supermarkets. It must be refrigerated once opened and does not last more than a week. Also, do not freeze coconut milk as this causes it to curdle when you next use it in cooking.

Try different brands of canned coconut milk to find the one to your liking. Those with thick cream floating on top of the can with the watery milk below it are proofs that they are not artificially homogenized.

Virgin Coconut oil

Extracted from fresh coconut milk and meat, virgin coconut oil has such an aromatic and flavourful taste that it is used in many

Just like coconut cream, coconut oil reduces bad cholesterol unlike polyunsaturated vegetable oils such as canola, sunflower and safflower oils.

It contains least calorie count among the category of monosaturated oils.

You ladies out there got to know this ! Surprise, surprise ! Coconut oil does speed up metabolism and aids you in shedding off the excess fats !

People of traditional cultures, such as the South Pacific Islands and the Philippines where coconut and palm oils are plentiful, suffer lower rates of obesity and health problems.

Look at our society today - we pile high on our plates food equally high in carbohydrates and polyunsaturated oils which increase our risk of heart diseases and diabetes. Yet we complain about our weight and poor health. It’s a shame !

However, coconut oil is different from other animal oil. Studies have found that it aids in lowering blood pressure and regulate thyroid dysfunction.

Unlike refined oils, it does not turn rancid easily and become toxic to our bodies.

If you have damaged hair, try using coconut oil on your hair and scalp. It has been proven to be a more effective treatment for damaged hair than mineral oil and sunflower oil. That’s because coconut oil is the only oil among the three which effectively reduces protein loss in hair.

Virgin coconut oil is an excellent beauty care product too. Here are some benefits :
1) it penetrates and moisturises the skin
2) minimise damage from sun exposure that causes sagging, wrinkling and blemishes
3) removes dead skin cells, producing an even texture and glow
4) heals damaged or diseased skin

Sometimes, wonderful remedies can be within your reach and in abundance, only if you look hard enough.

In this case, it is the Coconut.

Laura Ng

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What is the thing that wakes you up each morning? Is it the sun that blinds you? Or is it the brutal ringing of the alarm clock? It doesn’t matter what makes your eyes open but you would certainly prefer to wake up gently without any brute force. Just imagine how much better it would be if a nature sounds alarm clock wakes you up each morning. This modern alarm clock wakes you up without the brutality factor. So consider how you’d like to wake up.

I remember that during my High school years none of the digital alarm clocks would wake me up. Maybe I needed an ACDC concert to be waken up. That’s the reason why I ended up buying one of those old-fashioned wind-up alarm clocks. Have you seen these lovely items? They surely work, even though they are not exactly nature sounds alarm clocks. These old alarm clocks have a hammer between their little bells and that hammer smashes back and forth between them, so there is no way that you’ll keep sleeping once it starts ringing. You will be so eager to turn that alarm off that you will get up in no time. However, nowadays there is even a better solution.

You can purchase a nature sounds alarm clock. I fell in love in these wonderful innovations the first time I saw them. Some of them have serene outdoor sounds; others offer you to listen to the ocean, rainforest or calm wind. If you are a thunderstorm or babbling brook lover, then you can purchase a nature sounds alarm clock with these sounds. I think this is really fantastic. The vast majority of people are keen on these lovely sounds anyway. It would be amazing to make them your alarm clock sound, wouldn’t it? That way waking up would not so unpleasant.

Are you looking for the perfect alarm clock? You will not make a mistake if you try a nature sounds alarm clock. Frankly speaking, we all long for peaceful night’s sleep. Let’s not spoil it with brutally screaming alarm clock. Everyone would agree that this is not the right way to begin your day. You have another choice if you are ready for a change. You just have to get online and check out the new nature sounds alarm clocks. Now you can have that soft, pleasant awakening you’ve always dreamt of. Just purchase nature sounds alarm clock as soon as possible.

Morgan Hamilton offers expert advice and great tips regarding all aspects concerning music. Get the information you are seeking now by visiting www.mymusicreport.com/music–more/music/the-sweet-melodies-of-a-nature-sounds-alarm-clock.html http://www.mymusicreport.com/music–more/music/the-sweet-melodies-of-a-nature-sounds-alarm-clock.html

Reuters - White House hopeful John McCain pitched a $300 billion plan to help struggling homeowners on Wednesday as he tried to erode an advantage held by Democratic rival Barack Obama on economic issues.

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In order to explain the importance and features of bad credit cash advance loans, let’s imagine a situation that the person is falling short of money and his payday is far, what will the person do in such circumstances? Now, what if he is also tagged with bad credit, most of the times it is seen that people facing such situation feel helpless but now financial market will provide them a helping hand by means of bad credit cash advance payday loans.

Bad credit cash advance payday loans have been specifically designed to meet the financial needs of the person tagged with bad credit.

Generally, the lender providing bad credit cash advance loan asks for certain proofs and documents, such as:

• Source of income

• Bank account proof

• Post dated cheques

Bad credit cash advance loans can also be applied through online. Applying through online makes the task easier and simpler, as the person can apply as per his convenience that is by sitting at his house or from his office. The person is only required to fill an application form on the internet which only takes couple of minutes. After submitting an online application form, the lender will verify the application submitted and if he finds the information satisfactory, then he will get back to the person to ask certain things. And, finally he approves the loan amount and transfers the loan amount to the account of the person.

Either the person applies in the physical market or through online, he is required to do certain things before he finalize the bad credit cash advance loan deal.

• Conducting proper and thorough research in order to know the market.

• Try to find other cheap sources of finance as bad credit cash advance loans carries bit high rate of interest.

• Compare annual percentage rate of each offer of bad credit cash advance loan.

• Thoroughly, go through terms and conditions of the loan.

• Don’t forget to negotiate with the lender in regard to the cost involved in the loan

• Clear all the cost involved

• Ensure there are no hidden costs

Usually, bad credit cash advance loans enable the person to borrow an amount without collateral, this is the only reason that why the lender charges high rate of interest.

As Bad credit cash advance loans carries bit high rate of interest, so the person must avail this loan in an emergencies only, when no other option is left.

Daniel Robinson has done his masters in finance from Georgetown University. He is engaged in providing free, professional, and independent advice to the people needing loans. He works for the ModernCashAdvance. To find bad credit cash advance loan ,fast cash loans,payday cash loan,quick cash loans,cash advance payday loan visit www.moderncashadvance.com http://www.moderncashadvance.com .

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If you are in a tough financial situation, you may be considering Chapter 7 Bankruptcy. Before you move forward, consider several alternatives first. If your financial pressures are due to Credit Card or other debt, consider debt consolidation or working with a financial counselor. You may have already taken those steps and find no other options than bankruptcy.

Chapter 7 bankruptcy may help you in eliminated most kinds of unsecured debt. Examples of these debts are credit cards; personal loans, judgments, and medical bills.

Most of the time, you can keep your property. You must be current on your car and mortgage payment. In addition, the courts will assess the amount of equity you have in your current property. If you have significant equity, you may be asked to leverage your equity to pay your debts first. The goal with Chapter 7 is to eliminate your debt while keeping your personal belongings.

There are some key facts that you need to know before you commit to Chapter 7 bankruptcy.

Here are a few answers to common questions for those filing for Chapter 7. Please read further.

Will creditors continue to harass me?

You will want to retain a Chapter 7 Attorney immediately. By working with a specialized attorney, they will immediately give you record number. When the creditors call, you can give them your record number and refer them to your attorney.

Will I lost everything if I file for Chapter 7?

Typically, you will retain all your personal belongings, including your house. A good Chapter 7 lawyer will insure that your personal effects are safe. Most often your car will be safe as well. Your attorney will leverage state bankruptcy exemptions to protect these items.

More often than not you will be more at risk in losing your personal property if you do not file for Chapter 7 to protect them. Make sure you file before you get so far behind that you cannot do anything and get out of the rut you find yourself in.

Will everyone know I have filed for bankruptcy?

The short answer is no. The only parties that will know are the IRS, creditors, and the bankruptcy court. Your employer will not be notified when you file for bankruptcy either unless they are also a creditor of yours. Your bankruptcy is public record but no notifications will be made.

How do I know if I should file for Bankruptcy?

If you are currently facing the repossession of your car or home, you will be better off considering Chapter 7. This will be a better alternative and you should move now before it is too late.

How do I choose a good Chapter 7 Attorney?

If you are considering Chapter 7, you must find a specialized Chapter 7 attorney that understands the laws and is current on any changes that my impact your situation.

When you call a bankruptcy attorney ask them how many bankruptcies they have handled in your state. Make sure you educate yourself on all your alternatives. You can easily do a quick search on the internet and do some quick research before you hire and commit to an attorney.

Most legitimate bankruptcy attorney’s will be able to give you a fair assessment over the phone. Make sure you share the facts with your situation. Many times people are embarrassed of their situation and they hide the facts. This will only prevent an attorney from helping you fast and getting the process underway.

We cannot stress enough the need to get several assessments of your situation. This is key in not only getting the right advice, but also to make sure you get an attorney that is sincerely in the business of helping you.

Will I ever get credit again?

Bankruptcy will be reported on your credit report for up to 10 years. That said you can start right away in establishing your credit. Lenders typically consider your debt to income ratio as well your credit history.

Filing for Chapter 7 helps you eliminate your debts, but also helps in reducing your debt to income ratio as well. This does help in establishing good credit for you in the future. Creditors are in the business to make money by lending you money. Remember this and you will be able to find a lender that will sell you money in your situation.

There are lenders in the business of helping people in your exact situation. You may not get the best interest rate, but you have to start somewhere.

Remember, you can only file for bankruptcy every six (6) years. Don’t find yourself in the same situation again! If you need financial counseling, don’t be embarrassed. Learn how to manage your income, and your debt after your bankruptcy and you will be on your way to a clean financial bill of health.

Matt D Murren owns and operates www.chapter7-bankruptcy-advisor.com http://www.chapter7-bankruptcy-advisor.com Chapter 7 Bankruptcy

Reuters - A Zimbabwean soccer player drowned in a crocodile infested river during a ritual to cleanse his team of bad spirits before a match, a state newspaper said on Tuesday.

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If you find yourself in a situation wherein payday is still a few days away and you urgently need some money, then a payday loan may be the perfect solution for you. All sorts of emergencies or needs can come up at any time in our lives and you never when this will happen. Many times, we are not equipped well enough to financially deal with such emergencies. In such times, a payday loan would come in handy, no matter what specific need you have.

What to expect from a payday loan

The basic feature of a payday loan is that it is a short term loan which has been designed to meet the temporary financial needs of people in between paydays. It is meant to be paid off in a relatively short amount of time. That is, when the borrower’s next payday comes around, he should be able to pay off the payday loan. In certain situations though, if for whatever reason, the borrower is not able to pay back the payday loan on his next payday, he could be given another payday in which to pay off the loan. This would mean that additional charges and more interest will be applied, however.

Another feature of a payday loan is that is can be obtained pretty quickly. With the numerous payday loan providers operating online today, one can apply for a payday loan and receive his money within a few days or even as short as 24 hours. With all these positive features, though, you may want to know that a payday loan carries with it relatively higher interest rates as compared to other types of loans. Yet this can be offset by the convenience and the speed by which you can get your money to tide you over till the next payday.

How to apply for a payday loan

As mentioned earlier, there are numerous online payday loan providers. Specific requirements vary from lender to lender but the basics are the same. One has to be at least 18 years old to qualify for a payday loan. More so, one has to have a stable job or a regular source of income. Last, one has to have a current bank account. A credit check is not part of the requisites for a payday loan. This is one big reason why many people patronise payday loans.

So how do you go about applying for a payday loan? It is simple and easy - you just go to the web site of the online payday loan and fill out their application form. Once you submit it, you have to wait for a reply. This takes anywhere from minutes to hours, depending on the load of the payday loan provider. Once you have been approved for the loan, you can expect your cash to be deposited into your bank account within the next day or so.

First time borrowers may be limited to a couple hundred pounds but if they pay off this loan on time, they can borrow more the second time around. Indeed, there are many options when it comes to financial emergencies and a payday loan is one of the most feasible ones if you get caught in between paydays.

James Archer is an author working with payday loans and has been involved in the financial services and financial planning business. He has written many articles on finance including mortgage, loans and debt advice.Its easy to apply for a online payday loan. ( www.epaydayloanadvance.co.uk http://www.epaydayloanadvance.co.uk ). He is providing his useful advice through his articles on finance for the residents of the UK.

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One of the greatest advantages of laminate floors is that they require minimum effort to clean and maintain but can look great for years. Most laminate manufacturers warranty their residential flooring for 10 to 25 years against staining, wearing and fading. All you really need for cleaning are a vacuum cleaner, a dry mop and a damp towel for more difficult stains. Laminates are built to stand up to wear, but to keep them looking like new, here are a few recommendations.

Large pieces of sand or rock can cause visible scratching. These are usually easy to catch by having floor mats and foot brushes at outside doorway entrances. Dirt which gets past the mats and brushes can cause invisible scratching that eventually leads to dullness. So, vacuum and mop regularly to keep grit off the floor. For dry cleaning, vacuuming or sweeping is usually sufficient. Using a dust mop or polisher (FULLER D.C. Polisher) on a regular basis also helps reduce the scratch-causing crumbs. Never clean with abrasives, scouring powder or steel wool.

Damp clean laminate flooring using a vinegar or ammonia-based solution (Labor Saver Floor Cleaner by FULLER). You can also make a homemade cleaner for your laminate flooring by pouring 1/4 cup of vinegar into a 30 to 32 ounce empty spray bottle then fill with plain water for a quick solution. Then, dampen a mop with water and mop, spraying the floor as you go along. When damp mopping, avoiding standing fluids so you do not saturate the floor. Wipe immediately! Other possible cleaning fluids that have been suggested include:

· A multi-floor cleaner (FULLER Multi-Floor Cleaner)
· vinegar, rubbing alcohol, and water (equal parts)
· 1/3 white vinegar, 1/3 rubbing alcohol, 1/3 water, and 3 drops dishwashing liquid (1 quart total)
· Windex

Spot Cleaning Tips

· To remove oil, paint, permanent marker, tar, rubber heel marks, use a neutral cleaner on a clean light colored cloth. If needed, use alcohol or a nail polish remover containing acetone.

· To remove blood, fruit juice, wine, beer, soda pop, pasta sauce, use warm water. If needed use a neutral cleaner on a light colored cloth.

· To remove candle wax or chewing gum, first harden with ice and then scrape very gently. Wipe the rest with warm water on a clean light colored cloth.

If your laminate is scratched, see if you can buy a touch up stick from your manufacturer. The area you repair will look, hold up to traffic and wear just like the rest of the laminate floor. If your floor manufacturer does not offer a touch up kit, check your local home improvement or hardware store for wax sticks made for floors. If you still can’t find a fix-it-stick, pick up a large box of quality crayons from the art and craft section of your favorite discount store. Whether using a wax stick for flooring or a crayon, that matches the color of your floor, you’ll need to move the stick in the same direction as the scratch, then buff with a soft cloth.

In case of more severe damage, which is unlikely to take place in most of the homes, a trained professional can be called to replace a plank. The new plank should be almost indistinguishable from the rest, if done properly.

Vincent Platania represents the Stanley Home Products. Stanley Home Products has been in business since 1936, and offers high quality home and personal care products to keep your home and your body clean. Visit www.stanley-home-products.com http://www.stanley-home-products.com

AFP - Rising Iraqi Shiite leader Ammar al-Hakim has extended an olive branch to rival Sunni leaders and tribes during a whistlestop tour of Sunni enclaves ahead of key provincial elections.

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We’ve all been wondering what’s Google trying to do. Why is Microsoft so afraid of them. Why Eric Schmidt joined the Apple Board of Directors.

Let’s go back in time for a moment and see how they started: The company founders, Larry Page and Sergey Brin, were not terribly fond of each other when they first met as Stanford University graduate students in computer science in 1995. And although they argued about every topic they discussed, the two founders started working on a search engine called BackRub, named for its unique ability to analyze the back links pointing to a given website.

In 1998 they finally hit the jackpot and got $100.000 from Andy Bechtolsheim, one of the founders of Sun Microsystems. He made a check out to Google, Inc. Nice, you might say. But Google, Inc didn’t existed back then. Ultimately they brought in a total initial investment of almost $1 million.

The Google Search Engine launched in beta, and after short time it was already answering 10.000 search queries each day. Google was moving up in the world. One year later (1999), Google was already serving 500.000 search queries each day, with nearly 8 employees and a garaje office.

In 2000 Google was already the number one search engine in the world. They moved to the Googleplex, hired more and more people, and since then, what started to be a college project became the most innovative company on the planet. They are constantly improving their search algorightm, launched Adsense, a context-based advertising system, Gmail, a email solution that revolutionized the free email market, by offering 1gb storage (and constantly growing, reaching almost 3gb now), Spredsheats, Analytics, Writely, Calendar, Reader, Browser Synchronize, and much more.

Now let’s see why Microsoft is so afraid of Google. First of all, the speed. Microsoft has been trying for the last few years to launch Vista, their new operating system. Their corporate system isn’t working in a world where information and innovation is everything. The Google guys launch new products on a weekly basis, they are building enormous datacenters, and all this is done with a strategy in mind, no doubt about it.

So where is Google heading? Looking back in history, it’s really simple. The Google OS. Online. Wouldn’t it be awesome to have all your information online and be able to use it anywhere on the planet, from any computer? Yes, that’s where they’re heading, and it’s not going to be that long until they get there.

Emi Gal is a young romanian mathematician, engineer and entrepreneur. He started his first business at 17 years old. Sold it one year later. Currently he’s running Brainient, a software development and IT outsourcing company located in Romania, with representatives in France and UK. For more details check www.brainient.com http://www.brainient.com .

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