0% APR Credit Card Offers: Saving Money

0% APR Credit Card Offers: Saving Money

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In today’s economic situation, almost all items and services are getting more and more expensive everyday. This is why people go to any lengths just to save money. Some people try to save money by purchasing cheaper goods and some try to save on utility expenses, like electricity, gas, and water.

Credit cards are one of the most popular ways to purchase goods and services. It can even be used to pay for your utility bills. With a credit card, you don’t have to carry a lot …

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In today’s economic situation, almost all items and services are getting more and more expensive everyday. This is why people go to any lengths just to save money. Some people try to save money by purchasing cheaper goods and some try to save on utility expenses, like electricity, gas, and water.

Credit cards are one of the most popular ways to purchase goods and services. It can even be used to pay for your utility bills. With a credit card, you don’t have to carry a lot of cash in your wallet to purchase the things you need in your everyday life. With a single swipe of the credit card, you automatically purchase the items you need.

However, credit cards also have its disadvantages. With a credit card, people tend to lose control in spending their money. People tend to spend more than they can afford. This is why credit cards are only recommended for people who know how to manage their money.

But, more and more people today are applying for a credit card as a way to purchase the items they need even if they still don’t have the cash for it.

There are available banks and lending companies that offer 0 percent APR credit cards. You now wonder what 0% APR credit cards are and what it can do to benefit you.

APR or Annual Percentage Rate is used by credit card companies to calculate the total cost of borrowing. The APR is used by credit card companies to make it easier for them to compare loan options and also to compare lenders.

Today, there are a lot of credit card companies that offer 0% APR on their credit cards. So, you now ask, “What’s in it for me?” Since the APR determines how much you have to pay on interest, a no interest credit is obviously the best. A credit card with 0% APR means that you don’t have to pay for interest, you only have to pay the amount you borrowed with no additional fees.

For you or someone who is looking for a way to save money on credit cards, this offer can be very attractive and you would try and apply for it immediately after the bank offers this kind of credit card to you. However, before you make any decisions, you have to consider a few things first.

First of all, 0% APR credit cards are only available on a limited time only. Sometimes, these offers last for only 6 months to a year. People who are unaware of these things tend to pay more than they have to because of not considering that this offer is only introductory and they find themselves using the credit card way past the introductory period.

For this, you have to find out how long the 0% APR promo will last and also how much the interest rate will be after the introductory period expires. There are times that interest rates can go from 0 to 20% in a single billing period.

0% APR credit cards are great for making balance transfers. A balance transfer is what people do to carry out payments from one card to another. It is a great way to pay off your debt from another credit card. For example, if you have a remaining balance from one credit card with 20% monthly interest rate, you can manage this debt more effectively by transferring it to a card that has 0% interest. This means that you will pay off the debt instead of paying off the interest rate.

Before you do this, however, you need to make sure that you can pay off the debt during the 0% introductory period. Always remember that interest rate can really go up after the 0% interest rate introductory period expires.


Is Gaming Becoming a Sport in the United States?

The amount of video game use we see in society today is arguably inescapable. Mobile games such as; Candy Crush, Game of War, or Clash of Clans, record daily revenues in the millions, and someone is bound to recognize one if not all of these game names. This exposure to gaming in everyday light seems to be bringing in a new and unseen age in gaming, where gaming could be seen as a sport.

Ever since the first two people booted up “Pong” on the Atari 2600, gaming has been competitive. When you think about it, playing a game of soccer and playing a video game aren’t all that different. The object is always to win the game but the level of competition and players in the game can vary. Growing up I played Call of Duty on a fairly competitive level but I had no idea how big the competitive gaming industry would grow to be. The growth in this industry can be traced to a number of factors. The financial growth in the gaming industry has been incredible. The recent stance that “nerd culture” has taken in the popular media through means such as The Big Bang Theory. The push by people who genuinely enjoy gaming culture and want to see it get a spot in the limelight has brought gaming into everyday life for the general public.

So what is causing video games to turn into a source of entertainment that people would watch from home like they would football or soccer? The answers might surprise you. In July of 2014 “Defense of the Ancients” or DOTA was played by teams around the world for a community raised prize pool totaling $10,923,980 U.S. dollars. Teams of five would play against one another and eliminate the competition as they moved towards the grand finals and the ultimate prize of first place. While this was the fourth tournament of this type hosted by the games creators, it was the first time it was televised by ESPN 3. ESPN was pleased so much by the results of the coverage they agreed to follow up the next year. It is crazy to think that within the next few years we might see coverage of video games on Sports Center. Unlike ESPN which is only showing you content on competitive gaming during big tournaments, streaming is available all the time. Twitch TV being the main website that comes to mind. Streaming sites allow content creators to show what is happening live on their computers to audiences who can join in the conversation with a chat group function as they watch their favorite steamers/players play live. The potential for growth through an avenue like this is enormous. Just think, you could watch a TV show and chat with fellow fans of the show from all around the world with great ease, all while being able to communicate with content creators.

We know what is bringing gaming into the sports arena, but what is keeping it out? Well it is just not quite time for electronic sports (E-Sports) to become a household name, at least not in the United States. South Korea may be an example of what is to come in terms of E-Sports in the United States. Say the name “Star Craft” and nine times out of ten, a Korean will know what you are referring to. The game Star Craft is practically a national past time of South Korea. The game is featured on cable television and is even featured on a few apps offered by Microsoft’s Xbox, which is a direct competitor to the PC gaming market that Star Craft belongs to. Players in Korea are treated like celebrities, signing autographs, taking pictures with fans, and appearing on talk shows from time to time. Now if I were to tell this to the average American, more than likely the response would be along the lines of “Are you serious?” It’s that big of a deal over there?” Yes, E-Sports in Korea and to a lesser degree, China and Japan are already booming industries. So why hasn’t gaming already become a large industry in the United States where most of these games are made? Americans tend to like different games than the Asian players do. Americans tend to like fast paced shooters, such as Call of Duty or Counter Strike, while Asian players tend to favor strategic games such as Star Craft or DOTA. The problem with shooters is that less strategy is involved. Think of the two genres as an approach to an American football game. While both genres have a well-defined goal like in football the strategic games feature ways to counter movements of other players or their choice of how to move toward their goal via tech choices or character choices. In football, if the defense sends a blitz, you try to counter that blitz by getting the ball to a receiver who is open, or run the ball in the opposite direction of the blitz. There is no correct way to approach the defense’s strategy, and the offense can still make choices on how to approach the situation. The same cannot be said about shooters, there simply isn’t enough depth in gameplay to give watchers new ideas about how they can apply techniques used by professionals into their own gameplay.

Professional gaming is on its way to becoming a real sport in the United States. With air times on ESPN and through the popularization of gaming in everyday life within five or ten years we might see a good chunk of people walking around with E-sport’s team jerseys. Due to the trends of gaming in the U.S. it will likely take radical changes in gameplay to keep viewers watching and to get more of the public interested, but it is feasible. It will take the work of dedicated fans of the sport to push gaming further into the public eye but from what we have seen in the past few years it’s clear that gaming will be considered a sport in the near future.



7 Best Online Travel Communities

True, Tripadvisor, Frommer’s and the Lonely Planet are some of the best online travel communities going, but they’re far from the only ones amongst the greats. So go on, expand your travel community horizons and check out our 7 Best Off The Radar Travel Communities:

1. Travelistic

From YouTube to Hulu to Yahoo, were a video obsessed bunch. Travelistic has cleverly taken this to head and created a travel community wholly centred around video.

Log on and you’ll find over 10,000 user submitted travel videos, to view, comment on and inspire your future travels. Want to visit the Great Wall? Journey to the top of Everest? You can do it all on Travelistic, without ever leaving home.

2. Igougo

A masterful all in one travel community, where you can plan your trip, compare flights and hotels and share your travel experiences with the world.

Just type in a destination and you’ll be instantly connected to a plethora of photos, reviews and users who have traveled or reside there. When you’re ready to go, create your very own trip journal and give back to the community by sharing your own travel experiences.

3. Trip It

Less of a travel community and more a travel service, Trip It is perfect for the organization nut in all of us. Just enter your flights, hotel stays and destinations and let trip it create an optimized travel itinerary for you in seconds. Never miss another plane or train again.

For those who truly want it all, upgrade to the pro version and Trip It will automatically alert you if there are changes or delays in your travel plans. That means less time at the airport, and more time at the beach.

4. Dopplr

Create a map with the dates and location of your travels; share it with the Dopplr community, check out other’s maps, then meet up with those whose travel plans overlap with your own. If you’d like to keep your location a secret from some (mom, dad, a raging x), don’t worry, you can control who can and can’t see where you are.

Along the way you’ll get a wealth of location specific travel information, so you’ll always know where to stay, where to eat, and what to do. Taking the thinking out of traveling, we like that.

5. Travbuddy

Travbuddy’s got all the ingredients that make for a killer online travel community; helpful forums, honest reviews, stunning travel photos and a dedicated membership 1.5 million strong.

Travbuddy ups the ante by giving you your very trip blog, allowing you to easily post your stories, pictures and reviews as you go. There’s even a built in mapping feature that builds a map of your travels as you venture across the earth.

Wherever, you’re headed, this is one buddy you don’t want to leave behind.

6.Travellers Point

Besides being a great place to plan, book and share your next trip, Travellers Point has hands down one of the best travel resources on the web; wiki travel guides.

These 100% user created and edited travel guides, give you the collective wisdom and travel experiences of over 250,000 members, right at your finger tips. From country and city guides, to travel health and safety information, you’ll find everything you need to get in the know, before you go.

7. Travel DODO

Travel DODO takes travel reviews and puts them into a fun, easily digestible format, Travel Do’s, and Travel Don’ts.

Want to find out which restaurants, hotels and attractions are best avoided in France? Just click on the location on the interactive map, and you’ll be given a list of places to cross off your list (travel don’ts), so you spend your valuable vacation time wiser.

Frankly, you’d be a DODO, not to check up here before you GOGO.


Ever Wonder How a VA Loan Works?

Millions of people have bravely served our country in the United States Military. As a way of thanking them for their service, the government created the VA loan guarantee program to help veterans qualify for a home loan. A common misconception is that the VA actually issues loans to veterans – they do not. Rather, the VA guarantees loans so that a bank or credit union can offer loans to veterans without carrying the entire risk. If the borrower defaults the VA will pay a portion of the loan. This enables lenders to provide veterans with loan options that include lower down payments, because the VA is shouldering some of the risk.

10 Steps to Getting a VA Loan
Veteran’s Eligibility: Veterans need to prove their eligibility for the VA guarantee by obtaining a Certificate of Eligibility (COE).

Eligible Loans: You can use your VA benefit to purchase a home or refinance. It must be used on the house you live in, so talk to your mortgage lender about alternative options on a rental property.

Interest Rates: VA loan interest rates can change depending on the mortgage lender. Make sure you discuss loan options with a VA approved lender that is also an FHA approved lender. You will want to compare loan rates to ensure that the VA program provides you with the most financial benefit.

Apply: Complete a mortgage application with a VA approved mortgage lender. They will ask you for your personal and financial information, then have you sign a completed application.

Provide Documents: Give the lender your COE, recent pay stubs, W-2’s, tax returns and bank statements for processing. The underwriter will review this information to determine if you qualify for a loan.

VA and the Lender: The lender will confirm your eligibility with the VA. This includes the percentage of guarantee you are eligible for and whether or not you are required to pay a funding fee.

Underwriting: The underwriter will make sure that you meet their lending guidelines and the guidelines set forth by the VA. Something unique about the VA is that they require the lender to count household and family expenses as debts when calculating your debt to income ratio.

Credit History: The VA does make allotments for borrowers with no credit history. According to Chapter 4 of the VA Lenders Handbook, the Underwriter can make a determination based on the borrowers payment history of utilities, rent and auto insurance. This is a huge advantage for veterans that have been serving overseas and may have had no need for traditional credit.

Appraisal: The VA requires that an appraisal is completed on your home and that the life expectancy of the home is the same or greater than the loan term. For example if the home is expected to only last ten years, you won’t qualify for a 30 year loan. That’s a good thing because realistically, you wouldn’t want debt on a house that no longer functioned.

Finalize your Loan: Once the lender has issued a final approval they will draw up loan documents for you to sign. Using your COE the lender will obtain the necessary guarantee documents from the VA. As a borrower you don’t need to worry about doing any additional work. You have already served our country and it is up to the lender and the VA to work out the paperwork details. Anything that requires your signature will be included in your closing paperwork.

The goal of the Veterans Administration is to provide lenders with a loan guarantee so that more home loans are issued to veterans. As a service member or veteran you are entitled to receive the benefit from this guarantee, which should make it easier for you to get a loan. A VA approved mortgage lender can walk you through the process and ensure that you obtain a mortgage loan perfectly suited to your families needs.



The McKinsey of Fashion – Anna Wintour and Her Legacy

WSJ did a cover story on the legend, Anna Wintour. I’m pretty sure, that under “editrix” in the fashion dictionary, her name is boldly spelt out. She sits atop a complex pyramid of power that intersperses buyers, designers, writers, models, photographers, PR peeps, stylists, Hollywood stars, investors, businessmen/women and of course, lesser editors. Anna controls the fashion world from behind her omnipresent dark glasses.

While I have had my reservations about the way American Vogue has turned out, there’s absolutely no denying the influence Anna wields over the people who matter. To all of you who haven’t seen the BBC documentary “The Secret World of Haute Couture”, I encourage you to check it out. bazinga Watching it now, you may feel it’s a little outdated as couture is no longer one dimensionally as exclusive. With the coming of Web 2.0, bloggers, the expansion of celebrity culture, livestreaming, social media, etc. it’s become more accessible. But the documentary clearly shows the sharp contrast in how the latest fashion trends has evolved; partly due to Anna.

Meryl Streep may play Anna in the cult hit movie, Devil Wears Prada as a shallow, single minded sadist but it’s often been said that all this is even so much as mentioned because she’s a woman. If she were a man, nobody would look at anything except for how good she is at her job (and maybe if she has any sexual harassment cases pending- we’re looking at you Terry Richardson). She was the first person to realize that celebrities sell- more than models that only a handful of fashion industry insiders and fans know of. She saw winning potential and went with it. She’s put everybody from Sienna Miller to LeBron James on the cover of her issues, increasing the circulation by millions!

Her inner circle encompasses everyone in Hollywood to lots in Washington. “When I wasn’t doing so well, Anna would throw a party and sit me next to B Arnault” says Harry Weinstein. He returned the favor by helping her throw the Billy Joel/Bruce Springsteen benefit concert for then- Senator and now President Obama. She helped Baz Luhrmann make “Moulin Rouge” the iconic success it is today with help from her powerful allies, Weinstein and Donald Trump. Carey Mulligan is loved by her and is consequently starring in Luhrmann’s next venture, The Great Gatsby.

In early 2009, amidst the shattering economic recession, she took a little field trip to mayor Bloomberg’s office and proposed the idea of a one-shot, late night shopping party, an idea partly inspired by Paris’ “nuits blanches”. She called up Macy’s, Bloomingdale’s, Saks, smaller, indie stores like Opening Ceremony and said “I’ll send you Sienna! I’ll send you Justin Timberlake”. Her celebrity manpower is massive and contributes to a significant amount of her power.

Of course, this came to be known as Fashion’s Night Out and was held universally, including in India. Overall foot traffic in NYC grow about 50% in stores, Macy’s sales which had been down 4-5% increased in double digits post the night. FNO 2010 spanned over 1000 NYC stores, 100 American cities and 16 countries around the world. And no one can forget the Met Gala. Once a little benefit for society hostesses and their rich ivestor-type husbands, it’s now the event of the year. When she took over the committee in 1995, it catered to largely Park Avenue-types and garnered around $900,000 a year. Anna brought in the hugest, shiniest names in Hollywood, television, Internet, politics, literature, theater, business, sports (Roger Federer is a dear friend) and turned it into NYC’s air kiss to the world. Last year, the gala brought in $9 million. Amid the recession, mind you. In all, she’s raised about $75 million for the museum via the Costume Insitute Gala.

She’s founded numerous designers, from John Galliano, Marc Jacobs to Michael Kors- gave them their footing commercially.

She is, indeed, “The McKinsey of fashion”.



Brain Cancer Survival Rate – Know Your Chances

Known to be one of the most incurable types of cancer, brain cancer survival rate may not be something a patient would really want to hear. Different medical sources would tell you different results based on different aspects to consider but one thing remains true until today – brain cancer survival rate for most patients suffering from the disease is pretty low.

The average life duration of patients with this type of cancer is about 1-2 years following confirmed diagnosis. The main reasons attributing to this very low survival percentage are the nature of the disease and the lack of known treatment. This type of cancer affects the most vital part of a human body – the nervous system. Cancer cells in the brain rapidly proliferates at a speed that is dangerously faster than the proliferation speed of other cancers, therefore, the cancer can easily infect the entire nervous system within a short duration of time.

In a time period of five years, 1 out of 5 people suffering from brain cancer worldwide remains alive. This means that regardless of stage, those who suffer from this type of cancer have a general survival percentage of 20%.

In the United States, cancer of the brain is more prevalent among Caucasians and in comparison to their African American counterparts (with a rate of survival of 38%), Caucasian men and women have lower chances of surviving up to five years at 32-33%.

Expect the cancer to be already dangerous at the early stages. Even with adequate treatment like surgery, chemotherapy and radiation therapy, Brain Cancer Survival Rate at the first stages is at 55-60%. For a cancer patient, this may be a bit gloomy because it is. But bear in mind these rates are only there for its statistical and medical purposes but this must not be a basis to predict the accuracy of a patient’s life duration.

As the cancer further proceeds to its later stages, chances of survival may be significantly decrease and when the cancer starts eating up other organs in the body, hope may no longer be enough to keep the patient for long. The Brain Cancer Survival Rate may also be based on the age of a person. Children with this type of cancer have the highest rate of survival at 73%. This percentage will then move down to 50% for patients who are within 15-33 years old. And then as the age grows, the chances of survival also lower down. The main cause of this is the elder people’s inability to fight off the cancer or survive the strenuous treatment regimen.



In Vehicle Monitoring Systems For Safety, Security, Productivity and Loss Prevention

It’s really quite a thing to spend large amounts of money on one or more commercial vehicles, only to hand the keys over to somebody who doesn’t own it – somebody who probably has no real stake in how their driving behaviour is going to impact upon the vehicle’s lifespan, nor in whether or not everything they use the vehicle for is genuinely productive. Yet businesses do this all the time.


Well, for a long time, most businesses had no real alternative – short of sitting in the passenger seat for the entirety of every journey, all you could really do was trust in your worker’s good judgement and hope they weren’t going to take too many unauthorised detours to have lunch with friends or run some personal errands while driving your vehicle and earning your dollar.

Luckily, you no longer have to actually be in the vehicle to know at all times precisely where it is and how it’s being driven. An In Vehicle Monitoring System, or IVMS for short, uses an electronic device contained within one or several vehicles to communicate the vehicle’s location and other data to the office or other base of operation.

An IVMS can help you identify and control the inappropriate driving behaviours that would otherwise cause avoidable wear and tear on your precious mobile asset. Harsh braking, over revving, speeding and other behaviours can all contribute to increased running and repair costs, and a reduced working lifespan of the vehicle.

An IVMS can also be indispensable to identify and control inappropriate or unauthorised usage of your vehicle. Even the most conscientious worker might occasionally feel tempted to take an unscheduled detour while they’re on the clock – driving your vehicle and earning your dollar – to meet with a friend or to run some sort of personal errand. How much greater is this temptation going to be when they know for a fact that nobody back at the office would be any the wiser that they could just blame traffic conditions or some other delay and nobody would be in any position to say a word against it? With an IVMS in place, the vehicle is tracked at all times, removing temptations to use your vehicle inappropriately and ensuring that all use of the vehicle is authorised and productive. Further productivity benefits can be gained by identifying which routes are more or less efficient, identifying bottlenecks, and also by alerting loading bay workers or others of the vehicle’s imminent arrival.

Constantly tracking your vehicle’s location also has obvious benefits should the vehicle ever be stolen.

GPS vehicle tracking also helps provide safety and peace of mind to lone workers driving in remote locations. If the very worst were to happen, and they were to have an accident, you would at least be alerted to the accident immediately, and know exactly where it happened.



What’s the Cost of Digital Marketing: Marketing Agency Vs Freelancer

At some point, most businesses engage external digital marketing expertise to provide inbound marketing, SEO, PPC, and social media services. In Dubai, that expertise comes in the form of either an agency or freelance talent. In a tough B2C and B2B environment, budgets are tight, and largess limited, onlyfreedommatters so how can prospective clients come to grips with the cost of digital marketing in Dubai? Why Hiring A Digital Marketing Agency In Dubai Is Cheaper Than You Think! Up until now, establishing what the reasonable costs are for hiring a digital marketing agency in Dubai have been murky and anything but transparent. Relying on gut instinct won’t get you very far and public data on rates and fee for services remains elusive.

If you are considering tapping into external digital marketing expertise, gaining a clear line of sight on the average costs being asked for monthly retainers and hourly rates for digital marketing in Dubai can be challenging and time consuming to compile. Digital Marketing Pricing Survey Insights A recent survey by Credo, a company that matches prospective clients with marketing agencies or consultants released the results of its latest survey of digital marketing pricing. The survey was distributed to 184 respondents across 19 countries and produced some interesting insights on the present trends for the cost of digital marketing. Freelance consultants consistently price based on hourly or monthly base rates and project fees. Worldwide digital consultant rates continue to be based on years of experience. Consultants with 1-3 years of experience, charge around $88, while those with 10+ years of experience charge an average of $189.

Agency pricing appears all over the map. Agencies with 2 to 5 employees and 6 to 10 employees actually charged more on average than agencies with 11 to 20 employees according to the survey SEO agencies appear unsure about pricing their services with pricing being all over the shop. The survey showed an hourly range of $145 to about $181 Agencies and consultants with a strong strategy focus charge higher rates compared to those with a broader portfolio of services Monthly retainers, project fees, and hourly rates are all higher for strategy related services

Implications For Clients

With so much variation in rate schedules and competition from freelance consultants, the cost of hiring a digital marketing agency in Dubai may be cheaper than you may expect.

Assess precisely what digital marketing services you are after, overlay that with a monthly service fee from a pool of prospective agencies, and use that as the starting point in your negotiations. Most agencies are very clear about their cost base and what utilization rates they are targeting and so consequently, understand just how far they can comfortably negotiate. Agency Versus Freelancer As you would expect, there are some key differences in pricing between freelancers and agencies:

Freelancers are mostly servicing clients through a blend of hourly rates and project based fees.

Agency preference for monthly-retainer contracts is not surprising, after all, they usually have more overhead to cover

The average digital marketing industry monthly retainer contract starts at $1,000 and ranges up to $5,000.

The larger the agency, generally, the more services they offer under one umbrella. If you are looking for a blend of digital marketing services, hiring an agency will reduce the amount of coordination you need to do as a client. The larger the agency, the more customized solutions it usually provides, and hence, the higher the average price point per customer required to cover that specialized expertise and talent. The Best Clients Often, small and medium-sized businesses feel they are at a disadvantage in negotiating with an agency due to their lack of scale compared to larger clients. However, frequently, small, and medium-sized businesses are the best clients from an agency perspective.

The reality is, digital advertising as an industry in Dubai, is still a comparatively immature market, and the majority of agencies lack the corporate expertise and infrastructure to service enterprise scaled customers.

Hence small to medium businesses provide an agency with reliable bread and butter revenue streams without the complexity and high servicing costs that come with large multinational clients. So, if you are a small or medium-sized business, don’t be embarrassed to negotiate with an agency. They need clients like you, another reason why the cost of hiring a digital marketing agency in Dubai may be lower than you may expect! High Demand Agency Services Despite the profusion of digital marketing services, SEO and PPC services remain most agencies primary sources of revenue. The top five services sought by clients are: SEO PPC management Social media Content marketing Analytics and UX

Analytics and user experience design (UX) are surging in popularity as their importance to attracting prospects and retaining customers becomes clear. This recognition is reflected in their growing footprint within the portfolio of digital marketing services clients are seeking from their agencies.

While this is good news for the industry as a whole, as it indicates a more disciplined and structured approach to digital advertising in the Middle East. It also points to a continued lack of recognition by business owners and marketers of the need to put in place adequate analytic capability in-house.

Similarly, ensuring an engaging user experience from the launch of a digital marketing initiative would go a long way towards supporting the consumer acceptance of online marketing particularly as regional Internet users have become more experienced and have higher expectations of the online UX.

Identify growth opportunities for your business today! Our free 30-minute marketing assessment can help save you money and drive your business forward. Subscribe Now For A Free 30-Minute Marketing Assessment!

Conclusion If you are in the process of hiring a marketing agency, the news is good. The cost of hiring a digital marketing agency in Dubai may be lower than you anticipate and there are different pricing structures and models available.

Many agencies use a combination of pricing models such as monthly retainer for standard services, milestone pricing for projects they do frequently, or hourly pricing for new or more complex work. Discuss which pricing model works best for you with your prospective agency and you may be in for a delightful surprise!


The Top 4 Scary Movies That You Cannot Forget

What good scary movie doesn’t leave you feel really afraid to remain alone at home or move to a dark bathroom at night? If you haven’t experienced any scary sensations after watching a scary movie, you need to check out the top 4 scariest/horror movies of all time. These 4 horror films are considered the top scary movies of all time. This list is a little subjective and hence, the possibility exists you may not like them. So some pleasant advice – please go through the movie trailers of the horror movie you are considering seeing to determine if it is really worth watching.

There are some elements that make a horror movie worth watching. There are many horror movies which seem nothing more than comic movies. The movies worth watching are the ones which are pulse pounding, riveting, and unnerving and get you to really become squeezed inside a blanket on bed or squirming in your seat. These movies create the best scary experience and make you really feel reluctant to go outside alone or stay alone. The four scary films discussed below are considered the top scary movies of all time.

A scary movie need not always be full of ghosts and apparitions. It can be anything like alien or a psycho killer or anything that creates some kind of spooky feeling inside you as you see one. Given below are four top scary movies of all time.


Though this is not an ghost-style movie but an outer space alien movie, it has every element of a scary movie. The sci-fi horror movie has some spine chilling scenes which are sure to frighten you. The ship in the film is in outer space and is infiltrated by monsters which all lend to create a truly horror feeling. It makes you feel glad that you are not the character in that ship. The horrifying scenes of alien monsters killing each member of the crew with sound effects make your spine shrill.

The Exorcist:

This is another scary movie that you need to see. This movie is in the list of all time best horror movies and is a must see. The movie has some uniqueness and because the story is based on true events, the movie makes you more frightened to find the small girl possessed by evil souls. The movie has been made in conventional storytelling style and creates a sense of fear in the audience.


In the discussion of horror movies Halloween finds a prominent position for its spooky scenes and fear filled shrieks.Rent this film and follow along with Michael Meyers as he terrorizes a small town. Another must see.

A Nightmare on Elm Street:

There are lots of horrifying turns in this movie to make you frightened and the storytelling style make it a real horror flick. Follow along with Freddie as he scare the wits out of you in your dreams. Highly recommended.

At, you can enjoy thousands of movies with HD trailers and detailed movie-specific information. You are also able to take a look at the latest news in the movie entertainment world as well as comment and share reviews on our Movies Forum. [] also has all the free trailers and movie screenings updated automatically on a weekly basis for your convenience.


The Best Ways to the Perfectly Cooked Asparagus

Asparagus is known as both a vegetable and a medicinal plant used since the time of ancient Egypt, Greece and Rome. Asparagus is high in folate that may help reduce the risk of heart disease. They also contain inulin that helps in the propagation of good bacteria in our digestive system that in turn promotes proper digestion. At present, it is still one of the most popular vegetables on the dinner table, thus proper preparation and cooking is important.

There are a few things to remember in relation to the best way to cook asparagus spears. The first is the selection process. As with any vegetable, it is important to choose the asparagus that is not bruised or blemished. This more or less gives the assurance that it comes neither from old or diseased stock. Next is to look at the color. A vivid green, purplish or clean white color is expected from the different asparagus varieties. Lastly, check that the asparagus spears are straight.

To prepare the asparagus for cooking, break of cut off the tough part of the stalk. The easiest way to do this is to simply bend the asparagus spear and the tough part will break off the spear.

The best way to cook asparagus is to carefully monitor the cooking time to prevent serving a mushy consistency on the dinner table. They are best served al dente or until they are firm and give a little resistance towards the center. The general rule is to cook asparagus from 3-5 minutes only, depending on the thickness of the asparagus spears. Asparagus can be served both hot and cold dishes. The best way to cook asparagus when served hot is to remove them a couple of minutes before the estimated time of cooking. Once off the flame they will continue to cook for another few minutes because of the residual heat inside. When it will be served cold, it is important to cook the asparagus spears according to the prescribed time, and subsequently submerging them in ice water to halt the cooking process. This ensures crispiness when served.

Another way to best cook the asparagus is to cook them upright. There are special steamers that accommodate cooking vegetables upright. In this case, the tougher lower portion of the asparagus spears are cooked in the boiling water while the more tender tips are simply steamed to ensure even cooking.

The asparagus can also be cooked in a variety of ways. The best way to cook asparagus when grilling is to make sure the grill is pre-heated and well oiled before placing the asparagus spears in the grill. It takes about less than a minute to cook them over the grill. This can be served by simply seasoning with salt and pepper as a side to your grilled meat.

Asparagus can also be roasted. The best way to cook asparagus spears when roasting is to toss them in oil and lay them in a single layer on the baking pan. Cook them in high heat, about 425 degrees Fahrenheit for 2 minutes. After which, turn the spear over and cook for another 2 minutes. Serve with salt and pepper or toss them in with a warm vegetable salad preparation.

In Asian cuisines, asparagus can be added in stir fries. Since stir fry refers to fast cooking in high temperatures, it is important that the asparagus spear is cut into smaller and even pieces, about 2 inches is prescribed as ideal. Add oil to the wok, making sure that it is hot before tossing the asparagus in. Toss the pieces for about a minute or until the asparagus becomes vivid in color.

With regard to ingredients, the best way to cook asparagus is with any of the following complementary seasonings and spices: basil, black pepper, capers, chives, coriander, garlic, ginger, lemon grass, mint, miso, mustard, parsley, rosemary, tarragon and thyme. They can also be served with beets, carrots, cashews, mushrooms, potatoes, lemon and orange.

Keeping all these steps to best cook the asparagus in mind will yield perfectly cooked asparagus all the time while still maximizing health benefits of this sweet and succulent vegetable.

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