WHAT IS HTML

What is HTML?

HTML stands for Hypertext Markup Language.

Hypertext is ordinary text that has been dressed up with extra features, such as formatting, images, multimedia, and links to other documents.
Markup is the process of taking ordinary text and adding extra symbols. Each of the symbols used for markup in HTML is a command that tells a browser how to display the text.

HTML
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HTML (HyperText Markup Language)
An example of HTML code with syntax highlighting and line numbers
File extension:
.html, .htm
MIME type:
text/html
Type code:
TEXT
Uniform Type Identifier:
public.html
Developed by:
W3C
Type of format:
markup language
Extended to:
XHTML
Standard(s):
W3C HTML 4.01
HTML, short for HyperText Markup Language, is the predominant markup language for the creation of web pages. It provides a means to describe the structure of text-based information in a document — by denoting certain text as headings, paragraphs, lists, and so on — and to supplement that text with interactive forms, embedded images, and other objects. HTML is written in the form of labels (known as tags), created by greater-than signs (>) and less-than signs (<). HTML can also describe, to some degree, the appearance and semantics of a document, and can include embedded scripting language code which can affect the behavior of web browsers and other HTML processors.
HTML is also often used to refer to content of the MIME type text/html or even more broadly as a generic term for HTML whether in its XML-descended form (such as XHTML 1.0 and later) or its form descended directly from SGML (such as HTML 4.01 and earlier).
FROM WIKIPEDIA

AUSTIN LAWYER

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Home Equity Loans

A home equity loan allows you as a homeowner to get a loan by using the equity in your home as collateral. The equity consists of whatever funds you have invested in your property in order to own it or improve it.

Since it is a debt against your own property, which you are in actual possession of, a home equity loan is a secured debt. The property can be required to be sold if the creditor wants the money back that you have borrowed.

Home equity loan vs. Home equity line of credit

A home equity loan can be obtained in a lump sum or used as a revolving home equity lines of credit

A home equity loan can be either of the following:

a fixed rate mortgage

an adjustable rate mortgage

A homeowner who requires more money in large amounts usually applies for a home equity loan. Some expenses that make a home equity loan useful are:

• Debt consolidation publish
  
• Home repairs
• Medical bills
• College tuition for family members

What home equity debt

A home equity loan or line of credit allows you to borrow money, using your home's equity as collateral.

Wait. Don't click to another page. If the above paragraph seems like gibberish, you have surfed to the right place. We will explain what home equity is, what collateral is, how these loans and lines of credit work, why people use them, and what pitfalls to avoid.

First, some definitions:

Collateral is property that you pledge as a guarantee that you will repay a debt. If you don't repay the debt, the lender can take your collateral and sell it to get its money back. With a home equity loan or line of credit, you pledge your home as collateral. You can lose the home and be forced to move out if you don't repay the debt.

Equity is the difference between how much the home is worth and how much you owe on the mortgage (or mortgages, if you have more than one on the property).

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MORTGAGE REFINANCE

                                         MORTGAGE REFINANCE               
Refinancing refers to applying for a secured loan intended to replace an existing loan secured by the same assets. The most common consumer refinancing is for a home mortgage.


ADVANTAGES OF REFINANCE

Refinancing may be undertaken to reduce interest costs (by refinancing at a lower rate), to pay off other debts, to reduce one's periodic payment obligations (sometimes by taking a longer-term loan), to reduce risk (such as by refinancing from a variable-rate to a fixed-rate loan), and/or to liquidate some or all of the equity that has accumulated in real property during the tenure of ownership.

In essence, refinancing a mortgage or other type of loan can lower the monthly payments owed on the loan either by changing the loan to a lower interest rate, or by extending the period of loan, so as to spread the re-payment out over a long period of time. The money saved can be used to pay down the principal of the loan, thus further reducing payments. Alternately, refinancing can be used to transform available equity in one's house into ready cash, available for other purposes or expenses.[1]

Another use of refinancing is to reduce the risk associated with an existing loan. Interest rates on adjustable-rate loans and mortgages shift up and down based on the movements of the various prime rates used to calculate them. By refinancing an adjustable-rate mortgage into a fixed-rate one, the risk of interest rates increasing dramatically is removed, thus ensuring a steady interest rate over time.

Refinancing a loan or a series of debts can assist in paying off high-interest debt such as credit card debt, with lower-interest debt such as that of a fixed-rate home mortgage. The net savings between the two interest rates can then be applied either towards further paying down the debt, or other purposes. In addition, non-tax deductable debt, such as credit card or car loan debt, can be transformed into tax-deductable debt such as home mortgage debt, potentially lowering one's taxes or shifting one into a more advantageous tax bracket. This type of arrangement is often associated with a Cash-Out Refinance.

TYPE OF PAINKILLER

1.Types of painkillers
Opioids (pronounced oh-pee-oyds) were first made from the juice of the opium poppy. But many are now manmade in a laboratory. These are the strongest painkillers and are often the best way of treating cancer pain. You can only get them on prescription from your doctor. Many of these drugs are based on morphine because morphine is the most effective painkiller we have. Used properly, it does not have too many side effects. Very few people are allergic to it or cannot tolerate it. You may worry that you will become addicted to morphine and other morphine based drugs. This is a common fear, but it is highly unlikely. Sometimes you might need very high doses of these drugs to control your pain. It is quite safe to take high doses if you need them. Your nurse and doctor will keep a close watch for side effects. There are different types of opioid painkillers – strong ones and weak ones. Morphine is a strong opioid and codeine a weak one. You are usually started on a weak opioid, and then move on to a stronger one if needed. Non-opioid drugs can be mixed with either weak or strong opioids to give you the best pain relief possible.The different types of opioids are listed below. You may find all this confusing at first. There are not only different types of opioids, but also different preparations of the same drug. For example, there are slow acting and fast acting types of morphine. The opioids most commonly used for cancer pain include
Morphine
Diamorphine
Fentanyl
Buprenorphine(Temgesic or Transtec patches)
Oxycodone
Codeine
MorphineThere are lots of different types of morphine that can be given in different ways, including
An 'immediatae release' liquid or tablet that you take every 2 - 4 hours
A 'slow release' tablet or capsule that you take every 12 hours
A liquid that can be injected into a vein or given through a drip
A liquid that can be given through a small needle under the skin When you start on morphine, you will normally be given the more short acting immediate release type, which you take at least every 4 hours. That way your dose can be adjusted quickly and easily until you are comfortable. Your doctor or nurse will give you instructions on how much morphine to take and when to take it. Their instructions will allow you some flexibility so that you can take enough to control your pain. If the dose you are on is not enough for you, you will probably find that you need to top it up more often than 4 hourly. You keep a note of how much you have and when. Then your doctor can work out how much you need every 24 hours. It is best to have an experienced Macmillan or symptom control nurse to help you through this process. Once you and your nurse know how much morphine you need to get your pain under control, your doctor can give you slow-release tablets containing enough morphine to control your pain for 12 hours. You take these twice a day - morning and night. These are sometimes called ‘sustained release' morphine or 'MST'. The morphine is released slowly from the tablet and controls your pain for long periods. This gives you better pain control and is also more convenient than taking tablets every 4 hours.


Many painkillers are available over-the-counter (OTC; without prescription from a doctor) from pharmacies and shops, allowing patients freedom of choice from a wide range of medications. However, it can often be confusing knowing which painkiller is best for you and most appropriate for your symptoms. The following medications are commonly available OTC for the treatment of pain:
Paracetamol
Aspirin
Ibuprofen
Codeine-containing medications
Generally, which medication to take comes down to individual preference; however, there are some particular patient groups in whom one type of drug may be preferable. For instance, aspirin is not recommended for use in children, or in patients with bleeding disorders; paracetamol is therefore a safer option in these individuals. The most appropriate medication can also depend on the type of pain experienced - aspirin and ibuprofen are ideal for the treatment of pain associated with inflammation (i.e., swelling, such as muscle pain and the pain associated with arthritis). If patients are unsure which medication is right for them, they should always consult their pharmacist or doctor.
Paracetamol
Trade-names include: Beechams, Benylin, Calpol, Disprol, Lemsip, Panadol
Paracetamol is an excellent analgesic (painkiller) and antipyretic (reduces fever), and forms the basis of many common remedies for pain relief and the symptoms of cold and flu (often in a formulation that also contains a decongestant). Available for over 40 years as an OTC medication, paracetamol is a very well-known and popular drug, familiar to most people.
There are many different brands and formulations of paracetamol available, including tablets, capsules, soluble tablets and liquids for children. It is especially popular for use in children, due to its good efficacy and safety profile - paracetamol has a low incidence of gastric irritation compared to some other painkillers. However, with so many reports of paracetamol overdosing in the media, can we really believe it is that safe?
Paracetamol has virtually no side effects when taken at the correct dose. It can be taken by most groups of patients, including the elderly, young, and pregnant women. However, an overdose of paracetamol can result in liver damage. Few symptoms occur in the first few days following a paracetamol overdose, apart from at the most, vomiting and nausea. However, from about 2 days after ingestion, acute hepatic necrosis can occur. If there is a delay in receiving an antidote, this damage may be irreversible and lead to death; however in most cases an antidote will be given in time and the damage to the liver is then reversible (in these cases there is no lasting, permanent damage).
In order to prevent accidental overdoses, paracetamol is no longer sold as bulk packs, and all packs clearly state that the product contains paracetamol. Pharmacists can also advise on whether a product contains paracetamol.
Aspirin
Trade-names include: Anadin, Disprin
Aspirin, one of a class of drugs known as non-steroidal anti-inflammatory drugs (NSAIDs), has been used commercially for over 100 years and has been available as an OTC medication since 1915. In addition to its analgesic (pain-relieving), anti-pyretic (fever-reducing) and anti-inflammatory actions, which make it ideal as a treatment for pain, colds and flu and for arthritis-related pain, new uses are constantly being found for aspirin. This includes the use of aspirin in the prevention of heart attacks and strokes, which is due to its blood-thinning effect. Aspirin is also being investigated in the treatment of some forms of cancer and dementia. It is of no surprise then, that aspirin is often described as being a 'wonder drug'.
However, although aspirin may have a number of benefits, it does also possess some significant side-effects, which include stomach bleeding and other gastrointestinal effects, such as nausea, diarrhoea and vomiting. Caution is advised in elderly patients, who may be more susceptible to its undesirable effects. In addition, aspirin is not recommended for use in children under the age of 16 years, unless it is specifically indicated, due to the slight possibility of developing a rare complication called Reye's syndrome.
While the blood-thinning effect of aspirin may be beneficial in patients susceptible to heart attacks, it can also be an undesirable effect: aspirin is contra-indicated in patients with bleeding disorders. Caution is also advised in patients with asthma, since aspirin has been found to induce asthmatic attacks in patients with the disease.
Ibuprofen
Trade-names include: Advil, Brufen, Nurofen, Proflex
Ibuprofen has been on the market since 1969 as a prescription drug, and has been available OTC since the 1980s: it was the first modern NSAID to be made available in Ireland without prescription. As an anti-inflammatory, it is ideal for treating pain associated with arthritis, as well as other types of pain. Ibuprofen is widely acclaimed as being a safe alternative to aspirin, which is associated with fewer side-effects. Unlike aspirin, it is considered safe for use in children - and in fact, paediatric formulations are available in Ireland that are suitable for babies as young as 3 months. Like aspirin however, ibuprofen is not recommended for use in patients with bleeding disorders, and caution is also advised in patients with asthma. In these groups, paracetamol may be the best alternative painkiller.
Codeine-containing medications
Trade-names include: Codis, Migraleve, Solpadeine
Codeine is an opioid analgesic - and therefore acts in a different way to paracetamol or the NSAIDs. It is only a moderate analgesic however, and as such it is most often used in combination with other agents, such as paracetamol or ibuprofen, in order to increase their effect. Many of these formulations are available OTC.
While codeine increases the analgesic effect of the medication, it is also associated with a number of adverse effects, including gastrointestinal effects - such as constipation, nausea and vomiting, and central nervous system effects - including dizziness, confusion and drowsiness. It is not recommended for use in children.
Taking more than the stated dose of codeine, or taking the medication for a prolonged period of time, may lead to tolerance, psychological and physical dependence. Codeine-containing medications should only therefore be used for short-term pain relief.

CREDIT CARDS

1. Credit card

A credit card is a system of payment, named after the small plastic card issued to users of the system. A credit card is different from a debit card in that it does not remove money from the user's account after every transaction. In the case of credit cards, the issuer lends money to the consumer (or the user). It is also different from a charge card (though this name is sometimes used by the public to describe credit cards), which requires the balance to be paid in full each month. In contrast, a credit card allows the consumer to 'revolve' their balance, at the cost of having interest charged. Most credit cards are the same shape and size, as specified by the iso 7810standard.

2. How Credit Cards work

A user is issued a credit card after an account has been approved by the credit provider (often a general bank, but sometimes a captive bank created to issue a particular brand of credit card, such as Wells Fargo or American Express Centurion Bank), with which the user will be able to make purchases from merchants accepting that credit card up to a pre-established credit limit.
When a purchase is made, the credit card user agrees to pay the card issuer. The cardholder indicates their consent to pay, by signing a receipt with a record of the card details and indicating the amount to be paid or by entering a PIN. Also, many merchants now accept verbal authorizations via telephone and electronic authorization using the Internet, known as a customer not present (CNP) transaction.
Electronic verification systems allow merchants to verify that the card is valid and the credit card customer has sufficient credit to cover the purchase in a few seconds, allowing the verification to happen at time of purchase. The verification is performed using a credit card payment terminal or POS system with a communications link to the merchant's acquiring bank. Data from the card is obtained using from a magnetic stripe or chip on the card; the later system is commonly known as Chip and PIN, but is more technically an EMV card.
Other variations of verification systems are used by eCommerce merchants to determine if the user's account is valid and able to accept the charge. These will typically involve the cardholder providing additional information, such as the security code printed on the back of the card, or the address of the cardholder.
Each month, the credit card user is sent a statement indicating the purchases undertaken with the card, any outstanding fees, and the total amount owed. After receiving the statement, the cardholder may dispute any charges that he or she thinks are incorrect (see Fair Credit Billing Act for details of the US regulations). Otherwise, the cardholder must pay a defined minimum proportion of the bill by a due date, or may choose to pay a higher amount up to the entire amount owed. The credit provider charges interest on the amount owed (typically at a much higher rate than most other forms of debt). Some financial institutions can arrange for automatic payments to be deducted from the user's accounts.
Credit card issuers usually waive interest charges if the balance is paid in full each month, but typically will charge full interest on the entire outstanding balance from the date of each purchase if the total balance is not paid.
For example, if a user had a $1,000 outstanding balance and pays it in full, there would be no interest charged. If, however, even $1.00 of the total balance remained unpaid, interest would be charged on the full $1,000 from the date of purchase until the payment is received. The precise manner in which interest is charged is usually detailed in a cardholder agreement which may be summarized on the back of the monthly statement.
The credit card may simply serve as a form of revolving credit, or it may become a complicated financial instrument with multiple balance segments each at a different interest rate, possibly with a single umbrella credit limit, or with separate credit limits applicable to the various balance segments. Usually this compartmentalization is the result of special incentive offers from the issuing bank, either to encourage balance transfers from cards of other issuers, or to encourage more spending on the part of the customer. In the event that several interest rates apply to various balance segments, payment allocation is generally at the discretion of the issuing bank, and payments will therefore usually be allocated towards the lowest rate balances until paid in full before any money is paid towards higher rate balances. Interest rates can vary considerably from card to card, and the interest rate on a particular card may jump dramatically if the card user is late with a payment on that card or any other credit instrument, or even if the issueing bank decides to raise its revenue. As the rates and terms vary, services have been set up allowing users to calculate savings available by switching cards, which can be considerable if there is a large outstanding balance ( for some on-line services).
Because of intense competition in the credit card industry, credit providers often offer incentives such as frequent flirr points, gift certificates, or cash back (typically up to 1 percent based on total purchases) to try to attract customers to their program.
Low interest credit cards or even 0% interest credit cards are available. The only downside to consumers is that the period of low interest credit cards is limited to a fixed term, usually between 6 and 12 months after which a higher rate is charged. However, services are available which alert credit card holders when their low interest period is due to expire. Most such services charge a monthly or annual fee.

MAKE MONEY FROM GOOGLE

• what is google adsense

Google AdSense is the program that can give you advertising revenue from each page on your website with a minimal investment in time and no additional resources. AdSense delivers relevant text and image ads that are precisely targeted to your site and your site content. And when you add a Google search box to your site, AdSense delivers relevant text ads that are targeted to the Google search results pages generated by your visitors’ search request.

• Earn more revenue

You can maximize your revenue potential by displaying Google ads on your website. Google puts relevant CPC (cost-per-click) and CPM (cost per thousand impressions) ads through the same auction, and lets them compete against one another. The auction takes place instantaneously, and, when it’s over, AdSense automatically displays the text or image ad(s) that will generate the maximum revenue for a page -- and the maximum revenue for you.

• Get started in minutes

Becoming an AdSense publisher is simple. All it takes is a single online application. Once you're approved, AdSense takes only minutes to set-up. Just copy and paste a block of HTML and targeted ads start showing up on your website.

• Access thousands of advertisers

With Google's extensive advertiser base, we have ads for all categories of businesses-and for practically all types of content, no matter how broad or specialized. And since Google provides the ads, you have no advertiser relationships to maintain. The AdSense program represents advertisers ranging from large global brands to small and local companies. Ads are also targeted by geography, so global businesses can display local advertising with no additional effort. And you can use AdSense in many languages.

• Google grasps the meaning of your content

AdSense can deliver relevant ads because Google understands the meaning of a web page. We've refined our technology, and it keeps getting smarter all the time. For example, words can have several different meanings, depending on context. Google technology grasps these distinctions, so you get more targeted ads.

• Make extra money with a Google search box

Place a Google search box on your site, and you can start monetizing the results from web searches. Not only does this keep your users on your website longer—since they can search from where they are—it takes just minutes to implement. And you pay nothing to participate.

• Show only appropriate ads

Google's ad review process ensures that the ads you serve are not only family-friendly, but also comply with our strict editorial guidelines. We combine sensitive language filters, your input, and a team of linguists with good hard common sense to automatically filter out ads that may be inappropriate for your content. What's more, you can block competitive ads and choose your own default ads. It's your show from start to finish.

• Customize AdSense for your site

You can customize the appearance of ads, choosing from a wide range of colors and templates. Ditto with your search results page. Your reports are customizable, too. Flexible reporting tools let you group your pages in any way you want so you can view your results by URL, domain, ad type, category and more to learn where your earnings are coming from.