I Never Wanted to Root for the Lakers

Kobe Bryant is Arrogant

Oh man, in my opinion, Kobe Bryant is one of the most arrogant people in basketball today. In fact, he almost made me puke after the game when the press asked him questions. I believe it was Game 2 or 3 against the Spurs when in the first half he had only 2 points and had missed several shots at that point. He did come out stronger and had something like 26 points in the second half.

When the reporter asked him about why he didn’t do very well in the first half. He came back with a response that he can “turn it on” anytime he wants. Come on now, stop trying to sound like you just sit back and didn’t want to get involved in the offense. Give the defense a little bit of credit.

Granted, when the guy is hitting he can really knock down the shots. But to come out and just not give the opposing team any credit seems pretty arrogant to me. If he really was just sitting back or could “turn it on” anytime he wanted, he would do it all the time and his team would want him to do that. The fact of the matter is, is that some people are capable of playing good defense against him and at times he will not be hitting. He won’t admit to that though unless that happens all game for him.

Even though I dislike Kobe Bryant so much, I would still like to see the Lakers vs Celtics in the championship. There is so much history between the two teams that it alone would make the series entertaining. However, I will certainly be pushing for the Celtics to win.

Internet – The Rational Platform for Real Estate Industry

The real estate industry is the top-ranking industry for any type of economy existing on this planer. With every successful transaction in this industry, there are number of people benefited from the deal. With emergence of Internet as a powerful platform for almost all types of industries, real estate industry has also added significant value to its essence. Nowadays, it is simple to find a real estate agents and brokers, real estate properties, buyers and sellers with a click of mouse. Let us examine the dependability of real estate on internet from different perspectives.

Real Estate Buyers and Sellers

Before the emergence of internet, it was a tedious task to knock the doors of real estate agents scattered in huge geographical range. Moreover, it was practically impossible to bring a contrast between different real estate brokers on the basis of their efficiency. Now, it has become a simplified process to evaluate online real estate agents by visiting their websites and accessing the reviews of their past clients. And all this is possible at the comfort of your home.

Moreover, a prospective buyer is offered with huge database of real estates to meet his or her preferences. Now, a real estate seller is able to find a suitable buyer for the property, as his or her real estate is listed with an array of real estate websites.

Real Estate Agents – Performing Their Task Efficiently

The internet houses a number of websites, which are admirable destinations for real estate agents to prove their mettle in this industry. This has helped these professionals in a number of ways:

  • The reach of real estate agents has been increased to more number of consumers.
  • It is a convenient method to display various options in real estate properties by providing surplus information in the form of images and existing condition of the property.
  • The real estate agents are making their presence felt in the inboxes of prospective buyers and sellers by the means of email marketing and newsletters.
  • This trend has assured better commissions, value-added customer services and other benefits.
  • However, if the current statistics are taken into account, it is clear that there are hundreds of thousands of real estate websites existing in the cyber space. Thus, one needs to develop strategies to remain ahead of the competitors. Here is the point where efficient website design and internet marketing come into the picture.

    Real Estate Websites – Powerful Business Entities

    In order to ensure that your website is the right recipe for real estate buyers and sellers, you need to put in right ingredients as discussed below:

  • Develop a professional real estate website with easy navigation controls.
  • Provide informative contents and latest updates of real estate marketing.
  • Allow your regular customers to leave reviews for your real estate services.
  • It is important to provide round-the-clock customer support to your website visitors. Also, leave your contact information on various web pages of the website.

    Apart from owning a powerful website, it is essential to draw the attention of prospective consumers. Thus, it is strictly important to follow internet marketing techniques like newsletter marketing, article writing, viral marketing, PPC campaigning and other valuable tools in this direction. Also, it is desirable to make your website SEO proficient to attract the search engine spiders, which are capable of deciding the ranking of your website in the search results.

    Remember! Real estate industry is never going to loose its charm and it is possible due to the significant role played by Internet in this direction.

    PHP and MySQL – A Dominant Combination for Web Development

    Are you laying the foundation for your first website? Website development is associated with careful selection of two most essential platforms, a scripting language at the front end and support of influential database at the back end. These two components are deciding factors for the accomplished subsistence of a web portal.

    PHP and MySQL serve as most dependable tools for modern web development. And when combined, these two platforms are capable of dishing up a website with desirable functionality.

    PHP – Dawn of Dynamic Web Development

    PHP has been welcomed by webmasters with open arms, as it is labeled as server side scripting language. This feature of PHP holds great value in building powerful and complex web applications, which are easy to load on the desktop of Internet users. Here are other benefits of employing PHP for web development:

  • PHP code is easily implanted in HTML files, which allows the server to employ fast processing of this code.
  • PHP owes its existence to evergreen languages like C and C++. Thus, programmers well-versed in these languages may quickly switch over to PHP. More than that it is easy for novice programmers to get equipped with PHP.
  • PHP provides dynamic utility to a website due to which, it is capable of generating fast outputs according to the user inputs at any given point of time.
  • PHP shares a great association with Database Management Systems. It facilitates the data to be stored at a centralized location thereby making it possible to access this data easily and quickly.
  • The most important feature of PHP is that it supports Open Source Code system. This means that unlike other scripting languages like ASP, PHP offers free code to different programmers and web surfers. This has lead to the existence of PHP communities to share significant codes with each other.

    MySQL – Most Admirable Relational Database

    MySQL is fast becoming the choice of web developers and the credit goes to its robustness, flexibility and reliability. Here are some of the most enchanting features of this database:

  • First of all, it is an open source database system and thus, is easily available.
  • MySQL is easy to install and takes less time in this process, as compared to other databases like Oracle.
  • It ensures high performance, voluminous memory caches, flexibility and scalability for its usage in small and big web development projects.
  • It ensures security in terms of encrypting and decrypting features, along with provision for authenticated access to data.
  • It follows a fast and reliable query procedure to enhance the utility of web application.

    How About Combining to Potent Platforms

    PHP and MySQL, apart from enjoying good status individually, form the basis of a powerful web development package. These two components are inseparable parts of LAMP (Linux, Apache, MySQL and PHP) and WAMP (Windows, Apache, MySQL and PHP). Here are few advantages enjoyed by this combination:

  • It is easy to install these two platforms on the computer of web developer.
  • This combination is supported by various operating systems, Windows and UNIX being the two prominent ones.
  • An array of web servers provides support to this combination.
  • It is an inexpensive platform to build serious applications like shopping carts.
  • The combination of PHP and MySQL is capable of generating automated web applications.
  • PHP and MySQL are undisputed rulers of web applications developed these days. Thus, one can add worth to powerful existence of its website in cyber space by providing same space to these two platforms.

    UK Comparison Shopping – Helping Consumers to Strike Best Deals

    Comparison Shopping in the UK

    What was the most significant approach followed by consumers during pre-internet era to locate best products available in market? The best way was to visit different stores and compare the prices and other aspects associated with one particular product. In the modern world, ruled by internet, the comparison shopping has been provided with new outfit. Now, the consumers are facilitated to bring comparison between products offered by online stores at the comfort of home.

    Thus, UK comparison shopping has emerged as a powerful tool for consumers to strike best deals on products ranging from laptops to sat nav control systems.

    Saving Considerable Bucks

    It is a fact that every person has his or her own budget constraints and thus, it is essential to make an effective budget plan. Comparison shopping puts the ladder against the wall to climb the heights of financially viable shopping. It helps the consumers to take intelligent purchase decisions for cheap products like clothes to expensive products like lcd tvs. Thus, one can control on the way, he or she wants to shop for different products.

    Purchasing Quality Products

    Every land based store has discovered its online space to popularize the concept of e-shopping. In such a situation, the consumers are liable to confusion on the matter of purchasing a product from a particular store. For instance, if you log in to Internet to locate best product for sat nav, you might be provided with an array of options to choose from. Comparison shopping is the tool, which assists the consumers to buy quality products.

    How to Locate Comparison Charts

    In order to make maximum use of comparison shopping, it is important to locate web portals providing efficient comparison charts. A simple search on Google or any other popular search engine might generate top results for comparison charts. You may choose a comparison chart website on the basis of following factors:

  • The website must be able to cover majority of service providers or product sellers to enhance the diameter of comparison process. For instance, in case of laptops, the website must club together these products provided by topmost brands like Dell, Acer, and Sony.
  • The website must support its comparison charts on the basis of various aspects like prices, reputation of particular brand, customer services and also, the reviews from past purchasers of the product.
  • The website must be proficient in providing the pros as well as cons of purchasing a particular product or service.
  • Most importantly, the website must employ latest information as the foundation for comparison process. For instance, if the products to be compared are lcd tvs, then the website must have instant information about latest market prices, hot selling brands and related facts.
  • Some Negative Thoughts

    There are people, who consider these comparison charts as a way to uplift a section of merchants. There are also opinions regarding these comparison websites that they are partial towards those product sellers, who offer commission to these websites for writing positive reviews about the product. However, these opinions are not applicable to all websites facilitating comparison charts. There are some genuine online portals, which play their role with honesty and bring most efficient comparison results for the consumers.

    Thus, UK comparison shopping is a cradle for earning suitable returns for your hard-earned money and efforts made by you.

    Discount Vouchers – Most Popular Reasons Fueling Their Existence

    Discount Vouchers

    Internet is growing at a fast pace and vast amount of cyber space is occupied by online stores, offering products falling in different categories like electronic goods, automobiles, sports, books, footwear and every other group one may think of. With such wide variety of competition, every online UK merchant is combating with other to grab major chunk of online purchasers. In this race, discount vouchers are considered as powerful supports for online stores to enchant the interests of prospective buyers of products sold by them.

    Baiting the Targeted Audiences

    Discount vouchers and codes happen to be baits for attracting online consumers in a significant manner. The majority of purchasers belong to the section of society, which is always in search of economical deals of purchase of various products. Thus, these discount offers are like cool shadows for these consumers, discovered on a hot day. There are big players like dixons discount codes in UK market, which are strengthening their roots in providing tempting deals to consumers and hence, taking business to a new high.

    Reasons for Popularity

    Discount codes and vouchers are making their presence felt in online UK market due to a number of reasons, as described below:

  • First of all, these codes help an online store to gain competitive edge over other stores in the same category. For instance, a store dedicated to kids shopping may decoy the consumers by offering considerable discount codes.
  • Offering products at discounted prices doesn’t cost much to these online stores. This is clear from the fact that maintaining an online website is one of the most inexpensive ways of selling business products and services.
  • Discount vouchers are admirable tools for building creditability amongst esteemed customers of the store. The customers would like to return to the store time and again to take advantage of discounted prices. Thus, these are smart ways of building long-term relationships.

    Locating Discount Vouchers

    The most appropriate approach to locate discount vouchers is with the help of popular search engines. For instance, if you are looking for discounts on sports goods, you may simply use the phrase “discount vouchers sports” or “sports discount codes” to find most suitable options.

    Also, you may find the occurrences of these vouchers and codes in your email inboxes. The online stores like dixons consider it as a significant tactic to reach the targeted audience, rather than waiting for them to visit the store. In fact, there are websites, which provide discount vouchers on mobile phones through short message services. Not to forget! These vouchers are also available in the form of cash back facilities, by which a fixed amount of cash is returned to the consumer on purchase made by him or her.

    You might be using internet for kids shopping or for locating computer accessories, discount vouchers are going to grab your attention everywhere. These vouchers are of great worth for students, as this section of consumers is always short of desired funds to make a purchase. However, these vouchers are praised by every person in the society, who wants to make effective use of his or her budget plan.

    Visiting the Essential Tips for Cheap UK Shopping

    UK onling shopping

    What are the most admirable benefits of UK online shopping? To start with, it saves a considerable amount of time. Secondly, it lets you purchase anything from oil pin to mobile phones to automobile at few mouse clicks. And thirdly, it allows you to enjoy the comfort of home while loading the shopping bags. And do you know it also helps in saving major amount of your funds. There exists a celebrated trend called Cheap UK shopping to provide consumers with best deals. One needs to identify the tips and tracks for availing cheap deals from UK stores.

    UK Comparison Shopping – Ultimate Companion

    UK comparison shopping has mushroomed in recent times and has brought a revolution in the way online shopping is conducted. There are many websites, which provide comparisons between products offered by different companies on the basis of features, quality, price and other worthy aspects. One may utilize these comparison charts to make purchase for different types of products starting from attires to laptops. These charts help to reduce the amount of money spent by you on buying online products.

    Product Reviews – Know the Unknown

    Product reviews are provided by expert spectators of market as well as consumers of different products. After using the product, these consumers post their personal experiences and ways to find most economical deals for different items. One can learn from the experience of others to strike profitable deals on any type of product existing in UK market, varying from coffee machines to washing machines.

    Shopbots – Cheap Price Finders

    Shopbots is a novice concept, but it has already gained popularity on web. These online robots are employed by various websites to locate most profitable deals on different products in terms of price as well as quality. However, one can’t rely fully on the search results of these shopbots, as it is difficult to evaluate the legitimacy of websites found in these results. Still, one can narrow down his or her search for cheap prices by using these shopbots for different products like books, games, laptops, furnishings, mobile phones and so on.

    Websites with Cashback Facility

    There are many online stores, which are capable of providing cash back facilities on making a purchase through merchant sites listed by them. This is again a flaming concept to ensure cheap UK shopping for consumers on different products.

    Bargains and Sales

    There are online stores, which offer bargains for limited period of time and thus, offer privileges to the consumers to lay their hands upon profit bearing deals. Apart from these bargains, there are seasonal sales, which are considered as most favourable options to save substantial amount of money on different products. Moreover, there are websites, which offer discount vouchers to bring down the price of different commodities. A keyword based search on popular search engines is helpful in opening the doors of these websites for the consumers.

    Apart from those mentioned above, there are other tips and guidelines for availing different products at inexpensive prices:

  • Auction sites are good options for purchasing products like coffee machines at reduced market prices.
  • It is a good idea to make a purchase from different parts of the country and overseas to access branded products available at commendable prices. Considering the delivery and handling charges, this practice still holds weight for saving money.
  • To ensure creditable return for every penny spent by you, it is desirable to check the credentials and authenticity of shopping websites before making as purchase.
  • By following these guidelines, one may add significant worth to savings earned by online shopping.

    How do people live without air conditioners?

    Live Without an Air Conditioner

    Wow, for the last couple of weeks we have been waiting to get our air conditioner replaced. Our previous one was put in when the house was built in 1983. Not only that, but the air conditioner was originally supposed to only cool the house without the 800 or so square feet that has been added on. My wife and I decided that we would just tough through it until we could get someone out to our house to replace it instead of paying someone to fix the old one.

    This last week was routinely 90 degrees farenheight or warmer every day. It was miserable! I am used to it being nice a cool inside the house at night. We had to use fans right next to the bed to even feel halfway comfortable. Unfortunately, I still found myself sweating in the middle of the night.

    Yesterday, the air conditioner gurus finally got the new 3 1/2 ton Goodman air conditioner in. The thing works like a dream. We did run into a problem with our thermostat but it is still nice being able to turn the thing on manually and get the house cooled off quickly.

    The Best Ways to Earn Money Online

    Earn Money Online

    Did you know that we can earn from blogging? Let me share my experience on my blogging journey. I started my blog a few months ago. When I first got involved in blogging it was something that I could do to share my experiences with friends. A little while later I came across this Free Tips blog which had some attractive content. It actually told me we can earn from what we doing now – blogging.

    How to earn by just blogging? A lot of webmasters and bloggers already know this, the advertisement will bring revenue to them. For those newbies who have no idea on how to go about getting advertisements, I will suggest that you go have a look at Google Adsense. Google Adsense is the best Pay per Click advertising and most popular program nowadays to earn money online. If you opt not to go with Google Adsense, you might try Bidvertiser and Abrite who also has a good reputation.

    For your information, advertisements basically can break down to a few types. The general types are Pay per Click, Pay per impression, Pay per action/lead, and Pay per sale. You can choose whatever suitable advertisement to place on your website or blog to gain some extra revenue from the advertiser.

    • Pay per click – you will get paid by the advertiser once your visitor clicks the advertisement

    • Pay per impression – The pay is according to the number of your visitors. The advertiser will state “$XXX CPM” generally which mean they will pay you $XXX per 1000 impressions.

    • Pay per action/lead – You only get paid if your visitors are joining or signing up for something through your advertisement.

    • Pay per sale – You will get commission if you successfully sell the product for your advertiser on your website/blog. Of course, you will get nothing if nothing is sold.

    On the other hand, even if you do not own a website or blog you can still make some money online. You can get paid to play games, I did find a blog that introduced me to a free get paid to play game. I believe that gamers will be interested in something like this. Unfortunately, most of the paid to play is only available to US members, but there are still some paid to play games that are open to all international members.

    Finally, I hope you do enjoy your earning journey online. Good luck!

    Taking Away Guns is Stupid

    Do Not Ban Guns

    Don’t get me wrong, I’m far from one of these NRA guys who wants to keep his gun on his hip all the time. I’m not one of these types who sits at home paranoid that I might have someone break in. On the other hand, the reasoning behind outlawing guns has to be one of the stupidest things I have ever heard.

    You have people like Oprah Winfrey or others making the argument that by somehow outlawing guns will make criminals less likely to kill others. First off, they want to totally overlook one big word… it is called criminals. If I am a criminal, I own a gun and have intentions of using it on a person, why would I consider giving it up? I am not going to.

    The only thing outlawing guns does is takes away those honest citizens ability to own one. The criminals will still have them, we won’t ever be able to change that. Much like drugs, the criminals will still be able to find access to them somehow.

    If we really want to combat crime, we should take a more proactive approach. Banning firearms is not the answer.

    Accepting Credit Cards is Important For Online Business

    Merchant Services

    Honestly, I have been an internet marketer for quite a while now. In fact, I’ve offered quite a few services. Ranging from web design, web hosting, to PHP scripts, to even content creation, I have done it all. I have lost several potential clients because of my inability to accept credit cards as payment. Many are overseas clients who cannot access PayPal, which is what I normally use for payment transactions.

    The ability to do credit card processing has always been too expensive to open for me. I’m a small-time business owner and it doesn’t make sense for me to open a merchant account unless I can find one that doesn’t require a monthly fee or doesn’t charge me a flat fee of $5.00 for every small $10.00 transaction I make.

    Charge.com looks to have an amazing business model. I fully intend on opening an account with them to improve my income on my websites. According to a lot of people, not offering credit cards online is business suicide. I can’t say that I 100% agree with that, but I have no doubt that if charge.com meets up to what they say they are offering, that this would be great for small business owners like myself. Now, we can more easily compete with others in our competitive markets.

    I Have a New Respect for Stren Fishing Line

    Stren Fishing Line

    My wife and I decided to hit up a nearby lake this last weekend. The fishing wasn’t just spectacular, but we did manage to catch a few. The highlight of the day though wasn’t us catching fish, it was this guy about 10 yards away who managed to snag a carp. Sure, that doesn’t sound like such a huge feat until you saw the kind of pole this guy was using. It was one of those little rinky-dink poles made for kids or lightweight tackle. In fact, he said he only had 4 lbs test stren string on it as he was reeling in a 20 lbs carp!

    He managed to land this thing after about a 10 minute fight. With that said, I’ve never been a huge fan of Stren. In fact, it has probably been one of my least favorite types of string to use. However, I have to say that they either changed something up, or I just don’t know how to use the stuff properly. I couldn’t believe that this guy landed such a big fish on such small string. Props goes to Stren for improving or at least proving their product to me.

    Roof Repair

    Do Not Ban Guns

    I was recently visiting a relative in Waltham Massachusetts. While i was staying there we had a severe rain storm and because of this, the roof began to leak. We then went online and searched for someone that did roof repair. We came across David Ness who is a roofing contractor in Waltham, MA. He came by and fixed the leak within an hour. I was pretty impressed with the company. If you’re looking for a roofer in Massachusetts give them a call.

    Jokes and Funny Videos

    Thank you for finally providing a G rated website where I don’t have to worry about inappropriate material. I can easily come home and just enjoy funny amusing videos and jokes that are fun for all ages. For example there is this fun video of a soccer match between China and some other team where it shows a funny goal by China. The player receives a corner kick and he jumps over the defender and hits a header towards the goal where it hits the left goal post ricochets back to him as hes laying on his stomach and the ball hits his head into the goal. The most unbelievable goal I have ever seen in my life. Being a soccer fan I thought I had seen everything but I was wrong. That video kept me laughing for a while. There is also a good picture joke where the image shows the parking lot of corporation. The car farthest away from the entrance is quoted as saying the “Workahalic” and the next closest parking space if the “Boss” and the closest one to the entrance is the “Blonde Secretary”. Funny joke of the day with just images. The joke being PG rated makes it also good for all ages. The jokes of the day are also fun and cute. For example they have a turtle joke where a turtle gets mugged by snails and the police investigates and asks the turtle if he saw what happened to him and he replies, I don’t know it all happened too fast.

    Step Brothers (With Will Ferrell) Looks Hilarious

    Step Brothers Movie

    I haven’t been this excited about a comedy since the release of Jim Carrey’s Pet Detective: When Nature Calls. Which, by the way, is a great movie in case you haven’t seen it.

    I had a couple of friends over at my house lastnight and they brought up this movie. I hadn’t even seen the trailer for Step Brothers or anything so they asked me to load it up.

    Oh my gosh, I’m a fan already. With Will Ferrell in it, you know it is bound to be a great movie. It is apparently about these two older men who still live with their parents. Eventually, becoming step brothers when their single parents get married. Now, not only living under the same roof, but having to share the same room, they start out by hating eachother. They end up finding out they have a lot in common and go on a journey to get jobs so they can move out of the parents home.

    If you haven’t seen the trailer, you should definitely make a search over at Youtube or go to the Official Step Brothers Website. I guarantee, that even if you have not liked some of Will’s work in the past, that you will fall in love with this kind of comedy.

    Speaking in Tongues is Real

    Step Brothers Movie

    I grew up in a family that was in church everytime the doors were open. The church we attended was a conservative church with the gifts of the Holy Spirit being quite abundant. I’ve never really thought anything otherwise about Speaking in Tongues, but now that I am 25 years old, I want to read the scripture for myself to determine what I believe. I want to study it and read the scriptures for myself that would make a foundation for why I believe the way I do.

    Speaking in Tongues was a big one for me. The vast majority of Christians do not believe in it, but I have seen it and been around it all of my life.

    I started out by looking up Tongues in the Concordance in my NIV Study Bible. I came to Acts chapter 2 where speaking in tongues was first given to someone. Now, upon reading this chapter alone, one could assume that it was only for these special people. However, if you go to Acts Chapter 10 another occurance of this gift was given.

    Acts 10 : 45 The circumcised believers who had come with Peter were astonished that the gift of the Holy Spirit had been poured out even on the Gentiles. 46 For they heard them speaking in tongues and praising God.

    If the Holy Spirit poured out this gift on people who were not considered “special” then we have evidence here that the Holy Spirits gift can be given to anyone. While the bible makes it clear that not everyone will recieve this gift (1 Corinthians 12:30), you do not have to be viewed as a particular special person by God, as Peter was, to be able to speak in tongues.

    I tried to read quite a bit on this very topic by people who do not believe in this gift. The only explanation I could find was that those who do not believe in it think that this was no longer in action by the Holy Spirit after the apostolic period. However, as mentioned above, I think the bible is pretty clear that it was not only the apostles that were given this gift.

    PC Gaming Sucks This Year

    Gaming LAN The whole PC Gaming thing sucks this year. I’ve been playing for quite a while, at least 6 years now. I remember playing Battlefield 1942 to the late wee hours of the night with some friends. But to be honest, there is just nothing anymore that excites me.

    I was looking over at AnandTech’s review of the upcoming games for 2008, and only a few stuck out to me. Those are, Spore, FarCry 2, and Fallout 3.

     After watching some videos on Spore, I think I might check it out. But I was dissapointed to find out that it had no multiplayer, which is where PC Gaming excels over the consoles in my opinion. The only form of multiplayer the game has, at least that I am aware of, is the ability to bring other users content to create a world with your own species. But it seems like the whole concept is just to build up your empire, where would it end? Where is the enjoyment if you can’t blow some guy in another state’s little masterpiece away? It still looks like something unique in the gaming world,  so I will at least check it out.

    As for FarCry 2, I’m not sure about it. I haven’t heard to much hype surrounding it. I know that they are releasing console versions so I hope that the PC version doesn’t take a back seat for online play. I never really got into the first one all that much, at the time I was wasting my evenings combating nazi’s in Call of Duty. However, I did play the first version of the game at CPL in the Summer of 2004. It seemed enjoyable and had pretty good graphics. I am crossing my fingers that this will be the same so that I can have another shoot’em up game to play.

    Fallout 3… well, what can I say? The name alone brings extra anticipation along with extra expectations. They haven’t failed us yet, but we’ll see how it goes. They promise a release for Fallout 3 in Q3 of 2008. We will see though. Perhaps they can give us something to do around Christmas, the best time of the year to sip coffee and play computer games with the snow falling outside.

    Some Lenders Reduce Mortgage Interest Rates to Entice Customers


    While many banks and lenders have been increasing the interest rates on mortgage despite the three recent base rate cuts a number of lenders have decided to try and take advantage of difficult credit conditions by trimming some of their mortgage rates in order to try and entice customers. Tow banks have recently announced that they will be cutting the interest rate slightly on some of their mortgage products, and this is Abbey and the Royal Bank of Scotland.

    Spanish owned Abbey recently stated that it would be cutting its two year fixed rate mortgages by 0.11% for both new borrowers and existing ones looking to refinance. The bank’s flexible and tracker rate mortgages are also set to fall by around 0.1%. However, most of its other mortgage loans will either remain static or increase slightly in terms of interest rate. An official from the bank said: “We will continue to offer competitive products whilst still being careful to balance this against the need to maintain service levels for our customers given recent competitor moves.”

    In the meantime RBS is also trying to increase its share in the mortgage market by reducing interest rates on some of its mortgage products by between 0.1% and 0.3%. The banks states that it has doubled its share in the mortgage market recently, and one official from RBS said: “Whilst 2008 has seen a shrinking mortgage market, we have actually increased the amount we have lent by 18 percent and plan to continue this trend for the rest of the year.”

    In the meantime many lenders continue to remove various mortgage products from the shelves whilst raising interest rates on many others as a result of the global credit crunch that continued to wreak havoc in the money markets.