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Nelson Mattos, Google VP for Europe and Emerging Markets opened the second Google Africa outreach event, G-South Africa today 3 November 2011, by highlighting various online business opportunities in Africa.

"South Africa is amongst the most prosperous countries in Africa," says Mattos.

Mattos highlighted some of South Africa's vast opportunities including a $500 billion GDP, an impressive mobile phone penetration, low Internet usage (currently over 10% but growing) and young Internet users( about 70% between 24yrs and 44yrs).

Unique challenges

South Africa like most other African countries has major Internet challenges.

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The online facility lets you enjoy the extra finances from car loans for people with bad credit uk @ with ease and comfort. You do not need to run to the bank when you face small cash crisis with the availability of convenient online application method. However, banks often take lots of time in processing the loan application. So, you can choose the better option i.e. to go to private online lenders. There are numerous lenders available online that offer free loan quotes. Simply get the assistance of these loans for your urgent requirement within 24 hours.

To grab the easy finance with 6 month loans for bad credit, the applicant has to meet the certain eligibility criteria desired by the lender. You must be a permanent inhabitant of UK and above 18 years of age. Plus, you must be employed with a minimum salary of 1,000.And lastly you must possess a valid bank account under your name. Once you fulfill the above criteria, you can enjoy the approval in quick manner.

Roy Miller is financial adviser of Loans By The Web. To find 6 month loans for bad credit, unsecured loans for fair credit, car loans for people with bad credit uk and bad credit loans. you need to visit, .本文出自 Mr.J ....

STORY LINK Pound Euro Exchange rates - GBP EUR Down Despite UK Public Borrowing Figures Down

The Pound Euro currency rate GBP EUR is trading at 1.5624, down 0.3% The Pound Dollar currency rate GBP USD is trading at 1.56555, up 0.14%.
The Pound Australian Dollar currency rate GBP AUD is trading at 1.58687, down 0.04%. The Pound New Zealand Dollar currency rate GBP NZD is trading at 2.09129, up 0.21%.

The Pound to Euro exchange rate has seen a decline today, despite the UK public borrowing figures released this morning by the Office for National Statistics.

International 10 year bond costs have fallen across the board, with Italy and Spain now at 6.6%.

*Note: This was written by a Yahoo! contributor. Do you have a personal finance story that you'd like to share? Sign up with the Yahoo! Contributor Network to start publishing your own finance articles.

COMMENTARY I can honestly say I have never in my life owned a debit card. I know a lot of people use them instead of credit cards, and they really are more like cash. But I am addicted to the "points" that credit cards offer. And because I always pay my balance in full at the end of the month, it's like the credit card company is paying me to use their card.

And now that Wells Fargo is testing a $3 monthly fee to use their debit card, I'm even happier with my decision. But the problem is, there are some people who have to use a debit card and don't qualify for credit cards, like my 16-year-old son. I don't want him carrying around a wad of cash for gas and sodas, so I signed up for a prepaid card through my bank. I automatically transfer money from my credit card to the account every month. That's the rub: this monthly transfer costs me $2.50 each time.

How to Avoid Getting Hit with Debit Card/Prepaid Card Fees:

Ask questions. Nowhere on the prepaid card website could I find information on transaction fees. I finally figured out I was charged $2.50 when I got my credit card bill. I'm sure it was there somewhere, but not anyplace very obvious. So find out from the bank exactly what the fees will be ahead of time.

MUMBAI (Reuters) - India's biggest private lender ICICI Bank ( ICBK.NS ) is open to buying loan portfolios of European banks, its chief executive said, as banks in the region look to deleverage and offload loans to shore up capital base.

"The opportunity to pick up some good assets at good pricing clearly exists. So, that's what we are looking at all the time and exercising it whenever we see the right opportunity," Chanda Kochhar told the Reuters India Investment Summit on Wednesday.

"We have picked up some which are India-related assets, but I would say not very large number, because given the fact that on the other hand the ability to raise funds currently has also become more expensive," she said.

European banks are struggling to raise their capital cushions to become more resilient against future shocks, which they can do by increasing equity they hold or by shrinking their asset base.

The European Banking Authority has said banks need more than 100 billion euros of new capital, but the International Monetary Fund warned in September EU banks faced possible losses of 300 billion euros as a result of sovereign and interbank lending risks.

Besides meeting Santa himself in Rovaniemi, the capital of Finnish Lapland, a visit to his post office at the Santa Claus Village is a must.

At the main post office at the village you can see Santa's desk and all the letters that he receives from all over the world - Santa gets more letters than anyone else.

On the blackboard behind his desk it says that each Christmas Santa receives more than 700,000 letters.

Due to the volume of correspondence, Santa employs elves to help him. So far the elves have found that Santa has received letters from nearly 190 countries.

Most letters come from the UK, Japan and Poland, but Santa has also been getting letters in recent years from China, South Korea, Argentina and many other places.

While Black Friday and Cyber Monday promotions tend to capture the spotlight during the holiday shopping season, consumers looking for excellent deals might find that cash back credit cards offer as good, if not better promotions than so-called "door-busters".

This holiday season a number of major credit card companies are offering consumers substantial cash back sign-up bonuses of up to $200 that can go a long way in reducing holiday credit card bills. Other credit card deals provide slightly lower sign-up bonuses, but 0% interest rates that can prevent the cost of holiday gifts from escalating for those who need a little extra time to pay off expenses.

Here are noteworthy deals worth considering:

1.) Citi Dividend Card with $100 Cash Back : While not the largest cash back deal available this season, the Citi Dividend $100 cash back offer is an ideal card for consumers who will be paying off holiday purchases over time as well as for those who currently have high rate balances on their credit cards. The Dividend card offers a 0% interest rate for 15 months on new purchases and balance transfers . This intro period can be used to pay down existing balances as well as to prevent new purchases from racking up interest. Plus, consumers who spend $500 within three months get a $100 cash back reward on top of the 1% to 5% that can be earned year round.

He added that DMO has over the past two-and half years wanted to have a medium term strategy to build on the other initiatives over the years to ensure that the country's public debt management remains or becomes one of the best in the world.

'You will recall that as far back as 2008, we developed national debt management frame work and associated guidelines.'

Nwankwo said that in the last four years, the DMO, in collaboration with the West African Institute of Financial Management and the World Bank, established a debt sustainability office.

He added that the idea of the MDTS was to enable the country to move to the next level, considering what is being witnessed in global public debt management.

'The need for it has become even more imperative given the development in the global economy and given that in the next two years, the global economy will be dominated by concerns about public debt management and national debt management in general.

You will be hearing a lot about Lori Tharps on NewsWorks in the coming months. That's because this Mt. Airy woman somehow finds time to excel at many things.

She has a new novel about the tribulations of trying find a nanny, She once appeared on the Tyra Banks show to talk about bad hair days and later this month she will participate in a parenting panel hosted by WHYY.

But for now, I want to introduce you to Tharps the cook. WHYY profiled Tharp on its nutritional cooking website FIT earlier this week. She stood out because she explores race, culture and identity through food. In this profile she prepared Jamaican curried chicken and explained, "When we are talking about a Caribbean dish the Caribbean was an amalgamation of cultures "African, Indian and Asian, but when you talk about curry powder from the West Indies its usually turmeric, coriander, ginger and salt. It should be yellow, though, if it's not yellow it's probably not a West Indian curry."

You see what what I mean? It's like Ten-thousand Villages meets Kitchen Kapers in Mt. Airy. Check out our profile of her here.

You can find out the many other sides of Lori Tharps on her website. 本文出自 Mr.J ....

Short selling will damage the credit for 24 months, and Fannie Mae guidelines state that the seller is able to receive a new home loan is as little as 24 months from when the short sale was closed. On the credit report, the short sale will report as a debt settlement, not a foreclosure. Foreclosure will also damage the credit. However, most lenders will not lend to a homeowner for at least 10 years after the foreclosure. In addition, the credit report will read "foreclosure" and this will most likely affect the homeowner's ability to get any type of financing for many years, including credit cards, auto-loans, and of course, home loans.

Additionally, in most states, completing the short sale will give the seller the best opportunity to walk away without owing the bank anything. In fact, some states have passed new laws making it illegal for banks to pursue the seller after the short sale is completed - CA has passed such a law. Most of the time, this law is not applicable through foreclosure (like the one in CA). Many people believe that foreclosure will hurt their credit but at least they are off the hook for the loan amount - nothing could be further from the truth! A foreclosure will most likely result in bad credit AND a deficiency judgement and the bank pursuing the homeowner for a lot of money!

Finally, there is the privacy issue. A foreclosure involves a public notice and a public auction. Notices will placed on the door, bank representatives will come to the house, and the bank will call you over and over again... and they will not be pleasant. In fact "just walking away" is going to be more stressful than anything else!

We understand that this is an emotional time, and, more often than not, the seller has been wronged in some way by their lender. However, we must set emotions aside, and make the best decision for the future. When looking at the facts, short selling a property vs. foreclosing is always the best move! If you procrastinate the decision can be taken out of your hands and the lender will opt for a foreclosure. Don't let someone else decide your fate, do your research and decide which route is best for you.

You can about the CA law by searching for California Senate Bill 931, Section 580(e).本文出自 Mr.J ....