Disposable Web page

Ever thought of a web page which will stay online for only a limited period of time specified by you without you having to pull it down???

Well read on -

You can create "self destructing web pages" or temporary web pages which will "self destruct" once the time specified by you is over.

This can be done for FREE and that too without having to go through codes of programming.

Visit HERE for more information and 1st hand experience.

Freeware Games for Pocket PC

There are numerous games available for Pocket PC's. Here are a few freeware Pocket PC games which I would personally recommend -

Will be updating list soon... So keep cheking.

Bubble Buster v1.06



Description:
Soar through the clouds and bust as many bubbles as you can within the given time limit.

Additional items give special bonuses! Only your accuracy and speed will help you achieve the best high score!

Features:
- Exceptionally detailed graphics and smooth animation.
- Stereo sound effects.
- Increasingly challenging and addictive gameplay.
- Saves game statistics throughout all sessions.
- Hidden cheat codes.

BEST OF ALL, it's FREE!

Support the developer and his family by playing the game and sharing it with others freely.

Requirement note:
StrongARM/XScale Pocket PC or Windows Mobile device with at least 400MHz CPU speed. 4 MB of storage space; can be played on Storage Card or Main Memory.

Download Here
SIZE: 2.78MB

======================================

Dots



Don't you deserve a break? Play this fun, addictive game at the airport, in waiting rooms, or in meetings (just don't get caught!)

Even the hardest-working person needs a break once in a while. The next time you're stuck in a waiting room, or an airport, or in your boss's office waiting for him to get off the phone, try a quick game of Dots! Its fast, fun and free from Ilium Software.

Download Here
SIZE: 109KB

======================================

TicTacToe v1.1



Description:
A free tictactoe game for 2 players for Pocket PC and Windows PC.

Usage:
Unpack and copy ppc-tictactoe.exe to your pocketpc and run it from the file explorer.

Update Description:
v1.1:
- Code changes, speed improvement.

Download Here
SIZE: 7KB

Overclock your HTC TOUCH

Overclock your HTC Touch

If you are experiencing sluggish performance over your HTC Touch and are looking for some performance gain, here is a solution for you.

HTC Touch comes with processor speed of about 201Mhz. Any increase in this speed will result in some performance gain.

This is where overclocking your processor helps!. Overclocking means to simply overclock your processor to run at a higher speed. Though not safe for beginners, people with experience can do it just with a few "taps".

Here is the procedure -

BatteryStatus is a freeware today-plugin.



Original cpuspeed: Here you must enter the original cpuspeed. If you dont know it, you can use the Get-Button. By the way, the cpu of XDA Neo runs originally on 195 MHz.

Overclock to Speed: With this combobox you can set the cpuspeed to which the plugin shall overclock the cpu. 260 MHz has turned out to be the highest clockspeed for a stable operating of XDA Neo.

Overclock on wakeup: This option let BatteryStatus overclock the cpu on wakeup/resume of the device. The latter implies, that the cpuspeed falls back to the original cpuspeed if the device switches in one of the sleep modes. This is controlled by the operating system itself !

Remember last CpuSpeed: If this option is checked, then the cpuspeed before going to suspend will be restored after wakeup.

Overclock after Reboot: If you want your device to be overclocked after a softreset, then you must check this option. Be careful with this option. I would not do that, so its your choice and you have to know what you do.

WARNING !!! Use this piece of software at your own risk !!! Overclocking means that you run your cpu at a clockspeed not inteded by the manufacturer or provider of your device !!! I am not responsible for any damage caused by this software !!! WARNING

Download BatteryStatus
SOURCE and ENTIRE CREDIT

Akshay Gandhi's Freewares - System

SYSTEM

Autoruns

This utility, which has the most comprehensive knowledge of auto-starting locations of any startup monitor, shows you what programs are configured to run during system bootup or login, and shows you the entries in the order Windows processes them. These programs include ones in your startup folder, Run, RunOnce, and other Registry keys. You can configure Autoruns to show other locations, including Explorer shell extensions, toolbars, browser helper objects, Winlogon notifications, auto-start services, and much more. Autoruns goes way beyond the MSConfig utility bundled with Windows Me and XP

Download Here

======================================== ========================

BGEye (MUST HAVE)

BGEye renders system information as the desktop wallpaper. The information is rendered as a variable array of elements, together with icons, onto a pre-defined background, before being saved as a bitmap and temporarily set as the wallpaper. It renders new wallpaper every 60 seconds (or less). You can choose optionally from the following to be rendered: User-defined Title Text, User Name, Local Date and Time, Computer Name, Computer Uptime, CPU (Model, Manufacturer etc), CPU Clock Speed (MHz), Graphics Card (Model, Manufacturer etc), Audio Card (Model, Manufacturer etc), Network Card, USB Device, RAM Load, Local Disk Drives (Total space and load), Remote (Networked) Disk Drives (Total space and load) etc and a lot more.

Download Here

======================================== ========================

Cain and Abel 4.9.2



Cain & Abel is a password recovery tool for Microsoft Operating Systems. It allows easy recovery of various kind of passwords by sniffing the network, *****ing encrypted passwords using Dictionary, Brute-Force and Cryptanalysis attacks, recording VoIP conversations, decoding scrambled passwords, revealing password boxes, uncovering cached passwords and analyzing routing protocols.

The program does not exploit any software vulnerabilities or bugs that could not be fixed with little effort. It covers some security aspects/weakness present in protocol´s standards, authentication methods and caching mechanisms; its main purpose is the simplified recovery of passwords and credentials from various sources, however it also ships some "non standard" utilities for Microsoft Windows users.

Cain & Abel has been developed in the hope that it will be useful for network administrators, teachers, security consultants/professionals, forensic staff, security software vendors, professional penetration tester and everyone else that plans to use it for ethical reasons. The author will not help or support any illegal activity done with this program. Be warned that there is the possibility that you will cause damages and/or loss of data using this software and that in no events shall the author be liable for such damages or loss of data.


Please carefully read the License Agreement included in the program before using it.

The latest version is faster and contains a lot of new features like APR (Arp Poison Routing) which enables sniffing on switched LANs and Man-in-the-Middle attacks. The sniffer in this version can also analyze encrypted protocols such as SSH-1 and HTTPS, and contains filters to capture credentials from a wide range of authentication mechanisms. The new version also ships routing protocols authentication monitors and routes extractors, dictionary and brute-force *****ers for all common hashing algorithms and for several specific authentications, password/hash calculators, cryptanalysis attacks, password decoders and some not so common utilities related to network and system security.

Note: This software can be detected as riskware by some antivirus scanners. Some softwares detect it as Sign of "Win32:Cain-B [Tool] has been found

Download Here
SIZE: ~5.3MB

======================================== ========================

Cute Partition Manager v0.9.8



Cute Partition Manager is an advanced hard disk partition management utility.

Using Cute Partition Manager, you can easily add, edit, delete and manage the partitions in your computer. Free product support is available at http://www.cutepm.com. Most of the hard disks have plenty of space and can easily accommodate more than one operating system. In order to have multiple operating systems, you need to partition your hard disk with a partition management utility like Cute Partition Manager.

Cute Partition Manager is very easy to use. It lets you preview the changes before you save them. It lets you edit the boot flag, partition type and other advanced parameters. It gives you total control of your system during the partition process. For example, it lets you remove all existing partitions and install all the operating systems from scratch.

It supports all versions of Windows (9x,ME,NT,2K,XP,Vista), DOS, Linux, etc.


Download Here
SIZE: 232KB

======================================== ========================

DEAD PIXEL TEST

Almost every digital camera offers from time to time a nasty error viewable as white dots on your images. This error, caused by cheap and expensive camera models is called "dead" or "hot" pixel. Dead Pixel Test is a free utility and enables you to easily test your digital camera for dead and hot pixels.

CLICK
======================================== ========================

DIRECTX 9.0C APRIL 2007



Microsoft DirectX is a group of technologies designed to make Windows-based computers an ideal platform for running and displaying applications rich in multimedia elements such as full-color graphics, video, 3D animation, and rich audio. DirectX 9.0c includes support for Pixel Shader and Vertex Shader 3.0, along with many new features across all technologies, which can be accessed by applications using the DirectX 9.0 APIs. This download provides the DirectX 9.0c end-user redistributable that developers may include with their products. The redistributable license agreement covers the terms under which developers may use the redistributable. This version of DirectX 9.0c is for Windows 2000, Windows XP, Windows 2003.

The DirectX 9.0c runtime cannot be uninstalled. It is recommended that Windows users create a ´system restore´ point before installing.

Download Here

======================================== ========================
Disk Heal v1.43



Disk Heal is a useful tool that performs many useful functions including tweaks, fixes disk problems and more! Visit the ´features´ page on the home page for an extensive description of all its features.

Download Here
Visit here
SIZE: 410KB
======================================== ========================

DriverMax - for Windows Vista and Windows XP

DriverMax

Note: DriverMax only works on Windows Vista and Windows XP (all service packs).

DriverMax is a new program which allows you to easily reinstall all your Windows drivers. No more searching for rare drivers on discs or on the web or inserting one installation CD after the other. Simply export all your current drivers (or just the ones that work ok) to a folder or a compressed file. After reinstalling Windows you will have everything in one place!

Most of the situations when Windows is running slower are caused by faulty driver installations. Windows stores all versions of older drivers just in case you want to go back; sometimes it messes up older versions with more recent ones. The Export Wizard will only export the drivers you select by copying the needed files to a folder or a compressed ZIP file.

After reinstalling Windows all drivers will be back in place in less than 5 minutes - sparing you of searching, inserting disc after disk and losing precious time. The Import Drivers wizard allows you to install all the drivers that you exported earlier. The entire operation might take up to 5-10 minutes.

Just one single computer restart will be required after all drivers are reinstalled!

DriverMax is able to display a complete report of all drivers (versions, release dates) installed on your system. This feature can also be very useful when you want to analyze the differences between the drivers installed on different machines.

Snapshots
http://www.innovative-sol.com/drivermax/snapshots.htm

Download- Mirror 1
Download- Mirror 2

PS: This is a freeware. U only need to get registration key from the site.

======================================== ========================

Everest Home v2.20.466



Everest Home Edition is a system information and benchmarking tool with full hardware & software information. It comes with a built-in hardware database and physical information for CPU, motherboard, hard disks, optical drives, chipset and much more. The information can be displayed on-screen, printed, or saved as a report in HTML or text format. The built in diagnostics module can help you find potential problems, by higlighting them in the report and also includes links to manufacturers web sites, driver updates and more. An easy to use report wizard allows you to create detailed reports in the format of your choice.

Download Here
SIZE: 4.2mb

======================================== ========================

HDD Low-Level Format Tool 2.36.1181

This freeware utility will let you do a Low-Level format on your HDD. It will format your HDD and re-certify a SATA, IDE, or SCSI hard-disk drive with any size of up to 262144 GB. This utility works with external USB or Firewire HDD; Flash Cards are supported as well. This Low-Level Formatting will erase partitions and every bit of user-data.

Download Here

======================================== ========================
Partition Find and Mount 2.2.1



Partition Find & Mount implements a new concept of deleted or lost partition recovery. It works in the most convenient way possible — by locating and mounting partitions into the system, thus making those lost partitions available to you like any generic disk volume. Partition Find & Mount will also work in case any Boot Record (including the Master Boot Record) is missing, damaged or overwritten.

Features:

* Easy to use. You do not need special knowledge to use the software.
* 3 modes of partition search
* Non-standard disk layouts are supported
* All versions of NTFS and FAT are supported
* Allows to create and mount images
* Safe to your data. There is no possible way you could get things worse.

Lost important data? Give it a try. Partition Find & Mount is free for personal use!

Download Now
SIZE: 1.62MB
======================================== ========================

Process Explorer

Process Explorer gives you detailed information of a process; that includes its icon, command-line, full image path, memory statistics, user account, security attributes and more geeky mumbo jumbo. If required you can see the DLLs that a process has loaded or check what OS resource it uses. A search feature allows you to track down a process right down to the last resource it is using (a file, registry key, etc) or you may also opt to view only a list of processes that have a DLL loaded. In a nut shell, it s kinda a next level of the Task Manager.

Download Here

======================================== ========================

SS Registry Fixer 2.0



Registry Fixer scans the Windows registry for incorrect or obsolete information and allows you to safely clean and repair registry problems with a few simple mouse clicks. Your applications run faster, your operating system loads quicker.

Windows Registry is an important part of your computer system. With regular use of window registry keeps growing, and will attracts unnecessary information that will make the system cluttered. Thus for the better performance and to ignore spyware and adware, you need to clean registry with regular interval.

Everybody needs Registry Fixer. Problems with the Windows Registry are a common cause of Windows crashes and errors. By using a registry fixer regularly and fixing registry errors your system will be more stable and help to improve your system performance.

Features:

* Scan the Windows registry for errors
* Clean and fix registry errors
* Improve registry performance and consistency
* make a backup of the Windows registry

Download Here
SIZE: 588 KB

======================================== ========================
System Vault v1.12



System vault is a free useful utility that lets you hide files and folders and protect it with a password. In addition it is capable of deleting the MRU (most recently used) items for some common programs

Download Here
SIZE: 228KB

======================================== ========================

TestDisk 6.8 Beta



TestDisk is a powerful free data recovery utility. TestDisk was primarily designed to help recover lost partitions and/or make non-booting disks bootable again when these symptoms are caused by faulty software, certain types of viruses or human error (such as accidentally erasing your Partition Table).

TestDisk is a free and useful program which queries the BIOS ( DOS/Win9x) or the OS ( Linux, FreeBSD) in order to find the Hard Disks and their characteristics ( LBA size and CHS geometry). TestDisk does a quick check of your disk´s structure and compares it with your Partition Table for entry errors. If the Partition Table has entry errors, TestDisk can repair them. If you have missing partitions or a completely empty Partition Table, TestDisk can search for partitions and create a new Table or even a new MBR if necessary.

However, it´s up to the user to look over the list of possible partitions found by TestDisk and to select the one(s) which were being used just before the drive failed to boot or the partition(s) were lost. In some cases, especially after initiating a detailed search for lost partitions, TestDisk may show partition data which is simply from the remnants of a partition that had been deleted and overwritten long ago.

TestDisk has features for both novices and experts. For those who know little or nothing about data recovery techniques, the command line parameters /log and /debug can be used to collect detailed information about a non-booting drive which can then be sent to a tech for further analysis. Those more familiar with such procedures should find TestDisk a handy tool in performing onsite recovery.

TestDisk can find lost partitions for all of these file systems:

* BeFS ( BeOS )
* BSD disklabel ( FreeBSD/OpenBSD/NetBSD )
* CramFS, Compressed File System
* DOS/Windows FAT12, FAT16 and FAT32
* HFS and HFS+, Hierarchical File System
* JFS, IBM´s Journaled File System
* Linux Ext2 and Ext3
* Linux Raid
o RAID 1: mirroring
o RAID 4: striped array with parity device
o RAID 5: striped array with distributed parity information
o RAID 6: striped array with distributed dual redundancy information
* Linux Swap (versions 1 and 2)
* LVM and LVM2, Linux Logical Volume Manager
* Mac partition map
* Novell Storage Services NSS
* NTFS ( Windows NT/2K/XP/2003 )
* ReiserFS 3.5, 3.6 and 4
* Sun Solaris i386 disklabel
* Unix File System UFS and UFS2 (Sun/BSD/...)
* XFS, SGI´s Journaled File System

Download Here
SIZE: 2.03MB

======================================== =======================
Ultimate Boot CD for Windows v3.05



UBCD4Win is a bootable CD which contains software that allows you to repair, restore, or diagnose almost any computer problem. Our goal is to be the ultimate free hardware and software diagnostic tool. All software included in UBCD4Win are freeware utilities for Windows®.

UBCD4Win is based on Bart´s PE©. Bart´s PE© builds a Windows® "pre-install" environment CD, basically Windows® booted from CD. We include many free hardware and software diagnostic tools that allow you to fix almost any problem you will face with your computer.

With network support, the ability to modify NTFS volumes, recover deleted files, create new NTFS volumes, scan hard drives for viruses, etc. this project includes almost everything you need to repair your system problems. This project has been put together to be the ultimate recovery cd and not a replacement OS (Operating System).

Download Here
SIZE: ~184.2MB
======================================== =======================

WinDirStat

Its a disk usage statistics viewer and cleanup tool . It shows every type of file on ur hard drive in colored coated graphic fashion.Not really important but nice to have just to see what takes up space on ur hard drive.

http://windirstat.sourceforge.net/

Get it here

======================================== ========================

XP SySpad

Discover Window's "Hidden Applications! Recover lost product key of Windows & MS-Office

Download Here

======================================== ========================

Akshay Gandhi's Freewares - Antivirus/Security

ANTIVIRUS/SECURITY/ANTISPYWARES-ADWARES

Androsa FileProtector

Androsa FileProtector is a professional and freeware file encryption software that protects any type of file encrypting completely the content with the most advanced systems of cryptography. Androsa FileProtector allows to put to the sure sensitive file or personal file that do not have to be used/viewed from people not authorized that they have logging to the pc and/or to the files.

Version 1.3 may include unspecified updates, enhancements, or bug fixes.

Requirements:Microsoft .Net Framework 2.0

License:Free

http://www.download.com/Androsa-File...ml?tag=lst-0-4

==============================================================

AntiVir Personal 7.06.00.270 - H+BEDV - 16.96MB (Freeware)

The AntiVir Personal Edition offers the effective protection against computer viruses for the individual and private use on a single PC-workstation. In order to make possible an easy operation, the AntiVir Personal Edition is developed to the essential points.

You'll be amazed how thoroughly AntiVir protects:

* detects and removes more than 150,000 viruses
* always among the winners of comparison test featured in computer journals
* the resident Virus Guard serves to monitor file movements automatically, e.g. downloading of data from the internet
* scanning and repair of macro viruses
* protection against previously unknown macro viruses
* safeguard against cost generating dial-up program
* protection against trojaner, worms, backdoors, jokes and other harmful programs
* easy operation
* Internet-Update Wizard for easy updating
* Protection against previously unknown boot record viruses and master boot record viruses

Approximately 16.96MB

==========================================================

Cyberhawk

Cyberhawk is a next-gen security software; simply put, it's threat protection made easy for everyone, even novices! It provides protection against viruses, spyware, trojans, intruders, and other threats to PC security. Cyberhawk does the work of antivirus, anti-spyware, and firewall programs. It is designed to work alongside any current security programs you may already have installed, so you don't need to uninstall your previous antivirus, anti-spyware, firewall, or other security program before installing Cyberhawk.

Download Here

======================================== =======================

Microsoft Malicious Software Removal Tool 1.29



Microsoft Malicious Software Removal Tool checks your computer for infection by specific, prevalent malicious software (including Blaster, Sasser, and Mydoom) and helps to remove the infection if it is found.
This tool will help to remove specific, prevalent malicious software from infected systems. Because computers can appear to function normally when infected, Microsoft advises you to run this tool even if your computer seems to be fine. In addition to using this tool, you should use an up-to-date antivirus product to help protect your computer from other malicious software.

Download Here
SIZE: 6.79MB

======================================== =======================

Norton Removal Tool is a program that can remove some Norton software from your computer. Norton Removal Tool runs on Windows 2000/XP/Vista. Norton Removal Tool should be used only if you have tried to uninstall the Norton program using Windows Add/Remove Programs and that did not work.



Will Norton Removal Tool work for you?
Norton Removal Tool will remove these--and only these--Norton programs:

* Norton AntiSpam 2004/2005
* Norton AntiVirus 2003 through 2008
* Ghost 10.0 and 12.0
* Norton GoBack 3.1 through 4.2
* Norton Internet Security 2003 through 2008
* Norton Password Manager
* Norton Personal Firewall 2003 through 2006
* Norton SystemWorks 2003 through 2008
* Norton Confidential Online 2007
* Norton Internet Security 2007 Add-on Pack 1.0 and 2.0
* Norton Save and Restore 1.0 and 2.0
* Norton 360 1.0 through 1.3

link: click

===========================================================

Spybot - Search & Destroy

Spybot - Search & Destroy can detect and remove a multitude of adware files and modules from your computer. Spybot also can clean program and Web-usage tracks from your system, which is especially useful if you share your computer. Modules chosen for removal can be sent directly to the included file shredder, ensuring complete elimination from your system. For advanced users, it allows you to fix Registry inconsistencies related to adware and to malicious program installations. The handy online-update feature ensures that Spybot always has the most current and complete listings of adware, dialers, and other uninvited system residents.

Version 1.4 has the first native multi-installation scanner, noticeably faster than the previous version during scans, and has improved the tools and updated the interface.

Download Here
SIZE: Apprx. 5 MB

======================================== =======================

RogueRemover


Product description

RogueRemover is a utility that can remove various rogue antispyware, antivirus and hard drive cleaning utilities. Rogue applications are applications that rather than remove spyware, provide false positives, distribute malware or spyware, advertise, or provide useless uninstallers. The main point is that rogue applications are useless and eat up system resources.


RogueRemover has the ability to completely remove WinAntiSpyware/WinAntiVirus, SpyAxe, VirusBlast, VirusBursters and many more!


Simply download RogueRemover from the one of the links below, unzip the file, and run the installer. Start the program and select Scan and the program will walk you through the remaining steps.


Compatible with Windows 2000, NT, XP, Vista

Download Here
Size: 901 KB
(There is a pro ver. of it as well but it is not free)

======================================== =======================

Security Process Explorer 1.5



Security Process Explorer is an enhanced task manager, that provides advanced information about programs and processes running on the computer. It displays all the standard information, including file name, directory path, description, CPU usage etc. as well as a unique security risk rating. This rating is conclusive and relies on the expertise of the user to determine whether the process should be terminated or removed.

Security Process Explorer allows you to monitor CPU and memory usage graphs per process, view detailed processes information (with descriptions), stop and start new processes, set priorities and much more. You can easily find and remove unnecessary background processes as well as assigning more resources to demanding processes like games, realtime multimedia applications and cd writing softwares.

Features:

* Give you detailed information about each and every process
* Indicate whether a process is safe or not
* Allow you to terminate process with a single click.
* Let you block any unwanted processes or malware
* Simple and User friendly interface

Download Here
SIZE: 1.09MB

===============================================================

Spyware Terminator 1.9.2.132 Beta


PUBLISHER'S DESCRIPTION

	Quote:
	Free 100% Real-Time Protection is included in Spyware Terminator basic version, a vital function most other applications charge extra for. Effectively remove spyware, adware, trojans, keyloggers, home page hijackers and other malware threats even dangerous threats like WebRebates, Look2Me, BetterInternet, VX2, and CWS. Spyware Terminator is easy to use, requires minimal PC resources and has ultra fast scanning speed. Protect your computer with powerful real-time protection shield, advanced system scanning and safe quarantine for found spyware. Scan your computer manually or schedule full system sweeps. Perform in-depth scans of your computer´s hard drives, memory, process, registry and cookies to seek out and remove all known spyware threats. Real-Time Protection guards your computer, privacy, and personal information from hidden threats before they can run, stopping most threats before they install, and helping to prevent any potential security breach. Real-Time Protection’s Internet, System, and Application Guards monitor over 50 security checkpoints to verify any unknown activity. When you´re browsing the Web or downloading and installing new applications, Spyware Terminator monitors your computer and warns you when you might be installing spyware or other unwanted software. Spyware Terminator scans your entire system using a regularly updated database of known spyware. Our experts continually analyze new threats and extend our anti-spyware database so that you can effectively protect your computer. Using automatic updates ensure continual protection of your data and privacy. System Restoration returns your operation system to the last state of system checkpoint. This can be extremely useful if you perform an install or uninstall by mistake and you need to undo this operation. System Restoration does not cause you to lose your personal documents, email messages, browsing history, and the last specified password when you revert to an earlier state.

Download Here
Size: ~3.3MB

======================================== =======================

Zone Alarm Free 7.0.337.0 (Ever reliable)


ZoneAlarm is an easy-to-use firewall that blocks hackers and other miscellaneous/unknown threats. - Intrusion Blocking systematically identifies hackers and blocks access attempts. - Stealth Mode automatically makes your computer invisible to anyone on the Internet. - Automatic Program Configuration provides safety and simplicity by automatically configuring programs and similarly decides whether to allow or deny internet access to individual programs. - Expert Controls give savvy users precise control over security settings. This free version is for non-commercial use only

Download Here
Size: 38.85 MB

======================================== =======================

Hack Pictures to send Secret Messages

Case - You want to send a secret message to someone without anyone else coming to know about it.

So what do you do??? You dont want to install expensive programs for it or go through the techno stuff..

Well here is a simple solution to send secret message through digital pictures!!! Take a look at the clip given below and you will know what I am talking about...

Send Secret messages through Digital Pictures

The procedure given in the clip is nothing but sort of Steganography.

Profession Tax Amnesty Scheme Date Extended

Last date for submission of application for Profession Tax Amnesty Scheme has been extended upto 30.11.2007. Further details are awaited.

DISCLAIMER: As the source of this information is not confirmed, kindly check with the Profession Tax department before relying on the above information.

Do Not Call Registration

All of us at some point of time must have been a "victim" of unsolicited calls from Telemarketors. Such calls not only annoy us but also waste our valuable time.

To overcome this difficulty, the Indian Government has taken an initiative of establishing a DO NOT CALL REGISTRY.

I am listing below some links to DNC registry of various banks, telecom operators, etc. You can help the list grow by posting more links to such DNC registry.

ABN Amro
Aircel - Chennai
Airtel
American Express
Aviva India
Axis Bank
Bank of India
Bajaj Allianz
BSNL
Centurion Bank of Punjab
Citibank
HDFC
ICICI
Idea
ING Vysya
MTNL Delhi
MTNL Mumbai
Reliance Communications
Standard Chartered
Spice India
Tata Indicom
Vodafone

Also visit -

https://www.donotcall.gov/register/reg.aspx
http://ndncregistry.gov.in/ndncregistry/index.jsp
http://www.donotdisturb.in/

Types of Mortgages in India

Type of Mortgages in India

Definitions -

Sec. 58 of the Transfer of Property Act, 1882 defines mortgage as -

A mortgage is the transfer of an interest in specific immoveable property for the purpose of securing the payment of money advanced or to be advanced by way of loan, an existing or future debt, or the performance of an engagement which may give rise to a pecuniary liability.

The transferor is called a mortgagor, the transferee a mortgagee; the principal money and interest of which payment is secured for the time being are called the mortgage-money, and the instrument (if any) by which the transfer is effected is called a mortgage-deed.

Types of Mortgages -

1. Simple Mortgage
2. Mortgage by Conditional Sale
3. Usufructuary Mortgage
4. English Mortgage
5. Mortgage by deposit of title of deeds
6. Anomalous mortgage

1. Simple Mortgage -

In a Simple mortgage, the possession of the mortgaged property is not transferred from mortgagor to the mortgagee.

If the mortgagor fails to repay the loan, the mortgagee has the right to sell the property and recover the loan from the sale amount.

2. Mortgage by Conditional Sale -

Under such Mortgage, the mortgagor apparently sells the property to the mortgagee on certain conditions -

1.On failure to repay the mortgage money before a certain date the sale shall become absolute,or
2.On condition that on such repayment of mortgage money the sale shall become invalid,or
3.On condition that on such repayment the mortgagee shall retransfer the property.

In such case, the mortgagee is a "mortgagee by conditional sale".

3. Usufructuary Mortgage -

In a usufructuary Mortgage, the possession of the mortgaged property is transferred to the mortgagee. The mortgagee receives the income from the property (rent, profit, interest, etc) until the repayment of the loan. The title deeds remain with the owner.

4. English Mortgage -

In an English Mortgage -

1.The mortgagor binds himself to repay the borrowed money on a certain date.
2.The mortgagor transfers the property absolutely to the mortgagee.
3.But such transfer is subject to the condition that the mortgagee will retransfer the property on repayment before the agreed date.

5. Mortgage by deposit of title of deeds -
In such mortgage, the mortgagor delivers the title document of the property to the mortgagee with an intention to create a security thereon. Such mortgage is valid in towns of Kolkatta, Mumbai and any other town as the State Government may notify by publication in Official Gazatte

6. Anomalous mortgage -

Anomalous mortgage is a combination of different types of mortgages.


In the US, concept of Reverse Mortgage is fast catching up -

Meaning - A reverse mortgage loan is a loan where the lender pays the monthly installments to you instead of you making any payments to the lender. Hence the name reverse mortgage, as the payment stream is reversed. A Reverse mortgage enables senior citizens to convert their home equity into tax-free income. Reverse mortgages enable eligible homeowners to access the money they have built up as equity in their homes. They are primarily designed to strengthen seniors’ personal and financial independence by providing funds without a monthly payment burden during their lifetime in their home.

IMP. NOTE -

The security in a mortgage is immovable property while in a pledge it is movable property.