mortgage shortfall?

Many people find themselves being asked to pay large sums by their mortgage lender after they have been repossessed or have handed in the keys on their house. Often people think that once they have left the house their liability ends. However, this is not the case if the house is sold for less than the outstanding mortgage. The debt that remains is usually referred to as a mortgage shortfall. This also include s the monthly installments and interest that has been added on to the debt until the house is sold, plus legal and estate agent's costs. You can still be asked to pay back a shortfall a long time after you left the house as mortgage lenders may try to pursue a shortfall debt up to twelve years afterwards. See below for details of when the time starts running.

Travel Insurance

Travel Insurance can protect non-refundable Cruise, Flight, Tour costs. Travel Insurance can provide peace of mind, covering Trip Cancellation & Interruption - Medical Expenses - Baggage & Personal Belongings - Baggage Delay - Travel Delay - Emergency Evacuation/Repatriation.

Mobile Marketing

Orange has launched Social Life, a mobile social networking aggregator which brings together activity on Facebook, MySpace and Bebo in one place. Accessible from Orange’s mobile Internet portal,Orange World, Social Life allows customers to view and post updates and get in touch with friends and family across all three social networks at the same time, through a single log-in.
Available to all Orange mobile customers, the Social Life home screen allows users to:
upload photos; update their status;keep track of friends’ status updates from all three leading social networks; view social network notifications, including messages, events, pokes and friend requests; and send and receive messages.
Customers have full control over which information they provide to each of their social networks – they can update their status and upload photos to some or all of them through the Social Life home screen. Social Life also enables users to keep on top of social network activity through SMS, with the ability to set up free text alerts on specific social network activity, and to send updates via text message. All Social Life SMS alerts are free for pay-as-you-go and pay-monthly customers. Texts sent by customers to update their status are included in the customer’s text bundle if they have one, or charged at their usual rate.
Orange says that while the service initially offers access to Facebook, Bebo and MySpace, it will look to incorporate more social networks and Web 2.0 sites in 2009.
Orange says its focus on mobile social networking is bearing fruit, with the most recent Orange Digital Media Index revealing a 129% increase in monthly page impressions and a 48% increase in monthly unique users for social networking sites.
Orange has also announced the launch of Orange Widget Player, a customisable interface which provides fast access to useful content and favourite applications from the Orange home screen on Orange Signature devices. Using Widget Player, customers can instantly access news, weather and sport updates, along with applications such as search, Wikipedia, a world clock and others from a widgets catalogue that will grow throughout 2009. Currently available on the Nokia 6303, Widget Player will be rolled out on further devices through the course of 2009.
“With Social Life and Widget Player we’re making it simple for customers to manage their favourite content, applications and social networks at the touch of a button,” says Orange UK Head of Product Management, Mark Watts-Jones. “Over time, we will be looking to add more sites to the service - helping users to stay in touch in touch with the people and content that matters most to them.”

Mobile videoconferencing platform with automatic shut-off features

A remote controlled robot system that includes a robot and a remote control station. A user can control movement of the robot from the remote control station. The remote control station may generate robot control commands that are transmitted through a broadband network. The robot has a camera that generates video images that are transmitted to the remote control station through the network. The user can control movement of the robot while viewing the video images provided by the robot camera. The robot can automatically stop movement if it does not receive a robot control command within a time interval. The remote control station may transmit a stop command to the robot if the station does not receive an updated video image within a time interval.

Mobile video-conferencing

Mobility is the new way of working. For workers in home offices or well-traveled "road warriors," Movi offers a cost-effective, easy to use video solution that allows them to stay visually connected to colleagues, customers or suppliers.

• With only an existing PC and a USB Camera, thousands of users in a video-enabled enterprise can connect from public spaces or remote offices whenever they need.
• Compared with consumer-based PC video solutions, Movi offers unparalled quality, reliability and ease of use.
• PC video users should not be an island. Movi is a standards-based solution, and it is interoperable with the rest of an enterprise video deployment.
• Movi users can access directories from the TANDBERG Management Suite (TMS) and other personal video tools like TANDBERG FindMe™ to enhance the Movi experience and increase adoption.

When you add Movi to an enterprise, you lower the cost-per-user of video deployment, while raising the productivity of your organization.