Online Loans – How Useful Are They (Part 7)

One of the latest features that the online moneylenders are offering is the online FREE loan calculator. This gadget allows you to calculate the monthly installment on different loan amounts and on different repayment tenures. Based on this, you can decide how much can you set aside per month for the car, and thereby determine the loan amount.

Speaking of auto loans, these loans can be secured or unsecured. You can also get the loan if you hold a poor credit. Auto loans are available for both new and used cars. Once you buy the car through the moneylender, you can use it as you want. But the ownership of the car is under the moneylender until you repay the entire loan.

Once you repay it, you are the owner. But this does not mean that you have limited rights on the car. You can do anything except resell the car without paying off the car. Most moneylenders do not charge anything on the transfer of the car papers to you.

Online Loans – How Useful Are They (Part 8)

You must have heard of the payday loans. These are the buzz word among people these days. Earlier if you required money, you approached your friend who could or could not have helped you. These days, with the moneylenders operating from the internet itself, you need not ask anyone for the money. You can simply count on the online payday companies.

The payday loan companies boast of less than 1 per cent loan application rejection rates. This means almost every loan application is approved. The eligibility criteria of almost all the moneylenders are the same. You need to be above the legal age for entering into transactions. Other than that, you need to have a regular income. Also, you should have a checking account from where your moneylender will withdraw his money as repayment.

The payday loans are very small tenure loans ranging from 5 days to 4 weeks. There is nominal interest on the loans. It does not matter if your credit score is good or bad. You can always apply for the payday loan. Just remember to keep enough money in the checking account for the day when the moneylender will withdraw his loan with interest.

Insurance scheme for Indian workers in Qatar launched

Dubai-

Over 1,600 Indian workers in Qatar mostly belonging to low-income groups have enrolled for an insurance scheme launched by a voluntary organisation.
The scheme sponsered by Indian Community Benevolent Scheme (ICBF), includes low-income domestic workers, will provide coverage against accident deaths and total or partial disability, Qatar's Gulf Times reported.

According to the report, the scheme has been launched in association with India's National Insurance Company Limited and would provide a minimum one-time financial assistance of Rs 1,25,000 to the dependants of those covered. The insurance also offers worldwide round-the-clock coverage.

Sanjiv Kohli, the minister (political) and head of chancery at Qatar's Indian embassy, said it was a noble gesture on the part of the body to have paid the insurance premium of more than 1,100 workers for two years. Under the insurance, one gets a two-year coverage on a payment of 12 Qatari riyals. The insurance amount for more than 480 workers was paid by either the insured or their companies.

It was announced at the meeting that there is provision for insuring persons for sums upto Rs 1000,000 for two years on payment of a higher bi-annual premium. ICBF president Mohan Thomas told the newspaper that the organisation was exploring ways to find sponsors for giving insurance coverage to more people in the community.

The ICBF is a voluntary organisation for poor Indians established in 1988 by affluent community members under the aegis of the Indian Embassy. It hopes to rope in atleast 5,000 more Indian workers by the end of this year

Allosaurus: World's No. 1 Predatory Dinosaur

During the Late Jurassic, Allosaurus was the world's No. 1 predatory dinosaur. There is little argument to the contrary, given extraordinary evidence such as a discovery made at a Utah quarry. Paleontologists at the site uncovered more than 10,000 dinosaur bones. Most belonged to large, plant-eating sauropods, like Camarasaurus and Apatosaurus, which appear to have been victims of Allosaurus. The ratio of predator to prey bones suggests just a few Allosaurus were responsible for the prehistoric dinosaur carnage.
Skull and Head
It's hard to imagine how any creature could have survived an Allosaurus bite. This theropod's teeth were razor sharp, serrated and curved toward the inside of its mouth on the upper jaw. On the lower jaw, the teeth had a more upright position. This allowed the hunter to hack, axe-like, into flesh with its upper teeth, while its lower teeth could then rip flesh from bone before the dinosaur immediately gulped it down. All of this action took place in a huge head that was surprisingly lightweight, due to its bone consistency and large spaces holding the eyes and nose.

Puzzling Head Crests

A ridge of bone formed a crest in front of each eye and extended toward the nasal tip. This gave the dinosaur a sort of double Mohawk look. Paleontologists aren't certain how the crest functioned. It may have protected the eyes during fights with other animals. It also could have housed special, as-of-yet unidentified, glands for the eyes. Alternatively, it might have been an identifying feature, distinguishing males from females.

Built to Kill

Allosaurus was a lean, mean, killing machine. Muscles in its S-shaped neck allowed the dinosaur to grasp and shake large prey, such as multi-ton sauropods. Sturdy clawed limbs supported its 3.6-ton body, with the thick, strong tail adding extra support. It's likely that lone individuals stalked prey before attacking victims with long, sharp claws. The carnivore might have also hunted in packs, being careful not to run too fast. Tripping would have been a concern, since its very short forelimbs could have thrown the fleet-footed beast head over heels if Allosaurus made a wrong move, which probably didn't happen often.

Dino Fast Facts
Dinosaur Name: Allosaurus

Order, Suborder, Family: Saurischia, Theropoda, Allosauridae

Name Means: "different lizard," since it possessed unusually lightweight spinal bones

Time Period: Late Jurassic, 156-144 million years ago

Location: Western United States, Portugal, Australia, Tanzania

Length: up to 45 feet