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KUALA LUMPUR: Telekom Malaysia is offering its streamyx GradPack package, which targets college and university students, until Dec 31.

Subscribers will enjoy broadband service at a lower rate, as well as receive some free goodies, according to the telecommunications giant.

GradPack offers two Internet service packages � 384Kbps (kilobits per second) for RM50 a month or 1Mbps (megabit per second) for RM100 monthly.

The students who subscribe will get a free modem, and a streamyx Zone ID which grants them wireless access at more than 1,300 hotspots nationwide.

TM is also waiving its RM75 activation and RM88 installation fees for GradPack users.

Also, subscribers of the 1Mbps package will get access to music portal Hypptunes, video service HyppTV and the Rose Online Evolution massively multiplayer online role-playing game for three months.

In addition to that, they will get a TM�Manchester United special-edition T-shirt for free.

Students who want to subscribe to GradPack must present their student ID at any TMpoint, TMpoint Authorised Dealership (TAD) outlet, or TM authorised reseller nationwide.

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When you first hear the term internet addiction, you may smile and think this new term is a joke. Okay, so maybe people do waste a lot of time on the internet. But how can that be such a bad thing?

Yet, internet addiction can be a serious problem. Like many addictions, it is a compulsive disorder. First, take the word addiction itself. Addiction means that you are dependent on something, it is taking up a lot of your time. Now think about the time one can waste on the internet. Okay, so an hour here and there isn't a bad thing. But if a person is addicted to the internet they will be online longer than just an hour and it won't just be an event that happens occasionally, being online is something they do daily for hours on end. This addiction can lead to time away from family and friends. It can even led to time that should be spent at work.

Internet addiction can be further explained into subcategories, too. One may not just be addicted to the internet. One can get addicted to certain activities that perform while on the internet such as: online auctions, online chat rooms, online surfing, online gaming, and this addiction can even led to more serious online problems such as online gambling and online cybersex.

How do you know if you have a problem? You should start by looking at your internet habits. Then ask yourself such questions as: How often are you online? Does being online ever interfere with your work or home duties and if so how often does it? How often do you check your email? Do people in your home complain about how often you are online? Do you continue to search out new online friends? When you are not online do you anticipate when you can go back online? Do you get annoyed when someone interrupts you while you are online? Do you loose sleep because you are online late at night? Do you ever hide the length of time you were online?

The answer to the above questions can indicate that you have a problem. If you think you do, what should you do? Like with any other health problem, you may want to consider counseling. If you can't afford counseling, you may want to check out some websites that offers some help.

It may seem strange that there are websites that help with online addiction. Yet, if you think about it online websites may be the best place for online addiction sufferer to seek help. A great site is netaddiction.com. At this site, they further explain what online addiction is. They also have online self tests you can take, to see if you have a problem and to see just how deep your problem is. They also offer advice for more serious online problems such as online gambling and online cybersex activities. They even have chat rooms where recovering addicts and family members of recovering addicts can come together and share.

Should one avoid the internet for fear of getting addicted, no? The internet is a wonderful tool. You can learn a lot online. Plus, it is a great place to just relax and have fun. But moderation is the key in any activity, including the internet.

Parents should also monitor their children to make sure that they are not becoming addicted to the internet. Some children, especially teenagers, have problems building friendships and relationships. You don't want your child's only friendships to be on the internet.

The internet and your online friends should not take the place of real life and real life people. If you remember that one sentence, you will continue to enjoy the internet in a healthy way.







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Thirsk, North Yorkshire - Gateway to the Yorkshire Dales

Set in the beautiful countryside of North Yorkshire, Thirsk is the "real" town that features as Darrowby in the well-known books about the life of the local vet and author, James Herriot. The area surrounding Thirsk and nearby Sowerby is affectionately known as "Herriot Country" and the site of his famous surgery is now a museum that houses his memorabilia.

The Yorkshire Dales National Park lies to the west of this town and the North York Moors National Park is to the east, which means that Thirsk offers the ideal base for those wanting to explore these magnificent areas of England. London is about 320 km south and Edinburgh is 230 km north, so Thirsk makes an ideal half-way stopping place for travelers between the two cities. In fact, it was a regular posting-stage for the mail coach of bygone times.

Thirsk is a small, old-fashioned market town that proudly continues to use the cobbled market place that dates back to medieval days. Market days are Mondays and Saturdays, with a farmers' market providing fresh produce on the second Monday. The market place remains the commercial centre of the town, with most of the shops still located around it, complete with many of the original shop-fronts. The town clock continues to watch over the proceedings, as it has done for many years.

The population of Thirsk is around 5,000, and it serves the surrounding farms and villages. As well as the market place, the town is known for its race course, where regular meetings are held, and the 15th century church, which is well worth a visit. The Cod Beck flows through the town, providing beautiful walks and picnic spots, complete with ducks with whom to share your food.

When you are traveling in the beautiful countryside of North Yorkshire, make sure to put a visit to the town of Thirsk on your itinerary and enjoy the lovely ambience of this ancient market town.

Discover your next hotel in Thame or select somewhere to stay from these UK hotels.

Before becoming the pint-size power player of Hollywood -- this lil' guy was just a regular kid growing up in Georgia. Can you guess who he transformed into! ...

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Mufti Perlis perjelas sebab cuti panjang

Selepas beberapa hari berita percutiannya dilaporkan media, Mufti Perlis, Dr Juanda Jaya hari tampil menjelaskan bahawa beliau memohon cuti panjang untuk menduduki kerusi ‘Sarjana Tamu' di Universiti Oxford di United Kingdom.

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Insurance and Tax

Income Tax

Insurance death proceeds are specifically exempted by law from income tax liability whether they are paid to an individual, an estate, or internet.org corporation. There is one major exception to the rule, however, and that is where a policy is sold or transferred for "valuable consideration." In such a case income taxes are payable on the part of the death proceeds which exceed the new owner's cost.

Thus, dsl modem rental a $25,000 policy is sold for its cash value of $5,000 and the new owner later pays a total of $5,000 in premiums, she will have to pay a tax on $15,000 when she receives the death benefits of the policy. This is considered to be ordinary income and will be added to her other income for tax purposes.

This tax treatment holds even though a policy is sold to the insured's spouse. When transferring a policy to a member of the family, you must be certain that it is done as a gift and that nothing of value is paid for it.

Exceptions are made to the so-called "transfer for value" rule in the case of transfers to a corporation where the insured is a stockholder or officer, to the insured's partner or partnership, or to the insured himself. In these cases, even though consideration is paid for the policies, the death benefits are not subject to the income tax.

Estate Tax

There is a prevalent notion that insurance isn't subject to the estate tax. This isn't necessarily true. If it is payable to your estate or if you retain ownership of the policy, the death proceeds are going to be included in your taxable estate. This definition of ownership includes what the law calls "incidents of ownership" such as the right to surrender or to pledge the policy, the right to borrow on it or assign it, and the right to change the beneficiary.

One way to remove insurance from your taxable estate is to relinquish all rights in it by assigning the policy to someone else. However, there might be a gift tax imposed upon such an assignment. Still, only the cash value of the policy and the unearned and subsequent premiums paid by you are subject to this tax, not the face value of the policy. streamyx combo deal gift tax can be avoided or reduced. By virtue of the unlimited marital deduction, there is no gift tax payable on an insurance policy assigned to your husband or wife, nor any estate tax on the proceeds of insurance which are paid to your spouse.

The gift tax annual exclusion of $11,000 ($22,000 if your spouse consents to the gift) means that a tax-free transfer can be made of a policy with a cash value of up to that amount and of subsequent premium payments of no more than the amount of the annual exclusions. However, if death occurs within three years of the transfer, the proceeds of the policy will be subject to estate taxes.

But are you sure you want to make such an Tm assignment? Are you certain you will never need to borrow on the cash value? Never want to change your beneficiary? Better look before you leap, because here as elsewhere in estate planning, family security and your own needs should not be sacrificed to save taxes.

Additional point: If a man transfers his policy to a wife with a separate estate (such as in a second marriage) and she dies before he does, the cash value of the policy is taxable in her estate. Unless his wife's estate is substantial this won't create a tax problem. But if it is large, there is not only this problem to consider, but also the fact that, if she survives him, the entire proceeds will go to her. Then, when she dies they will be part of her taxable estate.

In such cases, you should consider other forms of ownership. It may be worthwhile to have other members of the family own and be beneficiaries of the policies; or it may make more sense to assign the policy to an irrevocable trust, with income and part of the principal payable to your spouse or children according to their needs, and the remainder of the principal to your children after your spouse dies. Some taxable gift may be involved depending upon the cash value of the policies, the amount of the subsequent premiums paid by you, and whether or not the trust qualifies for the use of the $11,000 annual exclusion. The proceeds, however, will be exempt from taxation in both your estate and that of your spouse.

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iPhone - The Mobile Social Network

This is one of its kinds as it has the right features. For any mobile social network to be successful it is necessary to have presence, awareness and in addition it must have ability to tell its user where his/her friends are and what they are up to. Not only Webmailtmnetmy it can also let meet new people with each other.

It is a fact that big social networks are not ignoring mobiles. However the Facebook's iPhone app is just the desktop version optimized for that phone. It has drawback that it doesn't leverage the device itself to tell its user when his/her friends are close.

It is really not a drawback because here the ultimate aim is not to just let users see where their friends are and what they are up to rather the killer app is to facilitate meeting new people either for dating or for business purpose and that too with privacy.

It is to believe that once a network has critical mass users will, depending on its privacy settings, be able to walk into any gathering and see information on the people in the room. The advantage will be surely on first come first serve basis i.e. who will get there first will have a better chance than the existing networks at MySpace and Facebook today.

In order to establish a critical mass it is necessary to have users on devices that have GPS or triangulation for presence and location, and having software on the phone instead of just accessing it from a website. Example to prove this is that getting java apps on phones in Europe is quite easier as compared to U.S. that is the reason why most of the mobile social network startups are located there.

The iPhone, is having both these utilities and is soon going to equip with SDK to allow third party apps on the phone. As soon as that SDK is released, one should look for an outbreak of third party applications to try and create a social network on the iPhone.

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England striker Jermain Defoe is content to continue taking his chances from the bench, having scored in the 2-1 friendly win over Slovenia at Wembley...

Extracts from Patrick Swayze's searingly honest book

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What is DVR-MS? DVR-MS, a kind of media file format like WMV, is created by XP Media Center PCs. It uses the MPEG-2 standard Compression for multimedia promotion internet law some extras?like certain copy protections and so forth and audio compresses using MPEG-1 layer II. In general, DVR-MS file with DRM only allows it to be played on the machine that recorded it. However, DVR-MS file without DRM may be played back on any machine with Windows XP SP1 and above as long as Windows Media Player is version 9 with hotfix 810243 applied.

DVR-MS files are very large due to the nature of compare broadband providers to capture high resolution video (About 3.20 GB for 1 hour video). What everybody wants to do is to compress/convert/burn dvr-ms file. There are several third-party programs to do it, but Tmnet Broadband think that AVS Video tools from www.soft29.com is the best through a series of testing. The software can convert, split, join, remove commercials, copy, burn, and edit DVR-MS file to almost all video and audio formats like AVI, MP4, DVD (playable on a stand-alone DVD Player), WMV, MOV, 3GP, MPEG, SWF, RM, etc, so you can enjoy movie and music anytime anywhere. All key formats are supported by AVS Video tools: AVI (DivX, XviD, etc.), DV AVI, MP4 (inc. Sony PSP and Apple iPod), WMV, 3GP, 3G2, QuickTime (MOV, QT), SWF, DVD, VOB, VRO, MPG, MPEG 1,2,4, DAT, VCD, SVCD, ASF, MJPEG, H.263, H.264, Real Video (RM, RMVB), DVR-MS. AVS Video Tools don't support Mac, but you can use freeware MPlayer to convert DVR-MS file.

This article may be reproduced in a website, e-zine, CD-ROM, book, magazine, etc. so long as the bio information is included in full, including the link back to this website ( http://www.soft29.com/dvr_ms_converter.html ).

Funny Chris Rock Interview

CNN: I watched the special last night, and I noticed that you did a lot of jokes about John McCain — his age, his war hero story — but not so many about Barack Obama. Is it harder to make fun of Obama?Chris Rock: He’s just one of those guys, you know, like Will

Nylon can be a thin delicate fabric or it can be hardy enough to use as a parachute. Either way, it will pay you handsomely to take care of it properly to avoid an allergic reaction or death.

When used as the material in women's stockings or pantyhose, it is sensual, soft, and hardy. Years ago, when it was first used as a pantyhose stocking fabric, it was often the cause of serious yeast infections or gave the wearer an allergic reaction to the fabric.

Originally nylon was an abrasive, allergy-intensive material that not every woman was able to wear internet radio broadcast Yeast infections were often exacerbated or caused by the wearing of nylon pantyhose stockings.

The reason for this is stockings touch a woman's crotch which is a warm, windows xp antivirus area where bacteria can hide. If bacteria are allowed a breeding space such as Nylon provides, bacteria will cause serious discomfort, embarrassment, odour and other health problems

Today with proper care and attention, nylon pantyhose stockings are an economical and hardy fabric for women to wear safely. But always remember to look for good quality nylon pantyhose that have the cotton gusset in the crotch.

It is very important to wash the stockings after each wear. Wear them once and then hand wash in a mild soap and rinse well. Dry in sunshine and breeze if possible or hang to drip dry in a cool, well ventilated area. If possible, do not put them into clothes dryer to dry.

If you urgently need to wear stockings that haven't been allowed to dry 'naturally' and have to use a clothes dryer to dry them, be sure to place your stockings into a stocking bag before putting them into a dryer.

A stocking bag can be easily purchased from most supermarkets or wherever you purchase your nylon pantyhose stockings. A good stocking bag is aerated, delicate material designed to stop the nylon stockings from stretching out of shape when being machine washed or dried.

The best way to avoid an allergic reaction to nylon stockings is to always keep them clean.

Ladies Stockings are more high speed internet access a sensual garment. Some women are allergic to nylon. Do you know someone who is? http://mumsdomain.com/womensstockings/