Archive for March 30th, 2012

Companies in saudi arabia with there classification


Leh Safari


Road trip to Leh: via Delhi–Chandigarh–ManaliKeylongSarchu–Leh [by SUV and Bikes]. 10th July: Delhi/ Chandigarh–Manali (around 580 Km. journey) 11th July: Manali–Keylong: Start drive from Manali in morning breakfast at Madhi and then Rohtang–La (around 13000 ft), after enjoy some time at Rohtang drive towards Keylong. Night stay at guest house. 12th July: Keylong–Sarchu: Day 3 will start with breakfast and drive towards Sarchu and will cover Baralacha–La Pass (16500 ft) and will take lots of small breaks to capture the beauty of mountains. Nigh stay at Sarchu (staying option in Sarchu is tents). 13th July: Sarchu–Leh: (around 245 km): 4th day will start with hot tea at the altitude of 14000ft. After breakfast will start driving towards Leh, while covering Pang and Gata loops and Nakee–La (15,447 ft), and Lalchung–La Pass (16,600 ft). In the evening will reach leh .night stay at hotel/guest house. 14th July: Leh local market and permit arrange. 15th July: Leh–Pangong Lake: (330 km round trip): Will start early morning drive for Pangong Lake situated at the altitude of 14,370 ft. While covering Changlang–La Pass (17,800 ft). Enjoy day time around lake and after lunch will drive back to leh. Night stay at hotel/ guest house. 16th July: Leh–Nubra Valley: (Around 165 km): At morning we will drive towards Nubra valley while crossing higest mountain pass Khandung–La Pass (18380 ft; Highest Motorable Road in the world). Reach Diskit and visit Nubra Valley, Hunder and Diskit monastery. Night stay at guest house. 17th July: Nubra Valley–Turtuk–Diskit: Around 180km round trip. 18th July: Diskit–Sumur–Leh: (Around 165km): After morning break–fast will visit Sumur Monastery and drive back to Leh. Night stay at hotel/ guest house. 19th July: Leh–Lamayuru–Magnetic Hill–Leh: Around 240km round trip. 20th July: Fly back to Delhi. 2nd option. [Those who are not willing to come by flight.] 20th July: Leh–Sarchu: (around 252km). Night stay at camps. 21st July: Sarchu–Manali: (Around 220km). Night stay at hotel 22nd July: Depart for delhi or your desired destination. Hotel Details: Manali: Hotel River View Sarchu: Nawla Guest House Sarchu: Tents/ dhaba Tents Leh: Hotel Somoriri Nubra Valley: [Diskit]: Siachin Guest House. Stay on twin sharing basis and with veg food. Cost for the trip: Rs. 23,500/– per person. Those who are flying back from Leh. [Air–tickets not included]. Cost for the trip: Rs. 28,000/– per person. Those who are willig to come back via Manali by road. Cost includes: · Stay on twin/ triple sharing basis. · Bed tea/ Breakfast/ evening tea with cookies/ and dinner at night. · All veg food. · Transport medium: Volvo from Delhi to Manali and from Manali onwards SUV (Innova/ Xylo) for complete tour for local sight seeing. Cost dose not includes: · Mineral water · Any kind of travel insurance · Lunch is not a part of package · Any hard drink · Night stay at Pangong is not planed because cost of staying at Pangong is very high and may effect budget . · Any non veg food. · Any flight tickets.

NEFT System


Q.1. What is NEFT?

Ans: National Electronic Funds Transfer (NEFT) is a nation-wide system that facilitates individuals, firms and corporates to electronically transfer funds from any bank branch to any individual, firm or corporate having an account with any other bank branch in the country.

Q.2. Are all bank branches in the country part of the NEFT funds transfer network?

Ans: For being part of the NEFT funds transfer network, a bank branch has to be NEFT-enabled. As at end-January 2011, 74,680 branches / offices of 101 banks in the country (out of around 82,400 bank branches) are NEFT-enabled. Steps are being taken to further widen the coverage both in terms of banks and branches / offices.

Q.3. How can one know which bank branches are part of the NEFT network?

Ans: The list of bank branches participating in the NEFT system is available on the website of Reserve Bank of India at http://www.rbi.org.in/scripts/neft.aspx. Details will also be available with the banks / branches participating in the NEFT system.

Q.4. Who can transfer funds using NEFT?

Ans: Individuals, firms or corporates maintaining accounts with a bank branch can transfer funds using NEFT. Even such individuals, firms or corporates who do not have a bank account (walk-in customers) can also deposit cash at the NEFT-enabled branch with instructions to transfer funds using NEFT. A separate Transaction Code (No. 50) has been allotted in the NEFT system to facilitate walk-in customers to deposit cash and transfer funds to a beneficiary. Such customers have to furnish full details including complete address, telephone number, etc. NEFT, thus, facilitates originators or remitters to initiate funds transfer transactions even without the need for having a bank account.

Q.5. Who can receive funds through the NEFT system?

Ans: Individuals, firms or corporates maintaining accounts with a bank branch can receive funds through the NEFT system. It is, therefore, necessary for the beneficiary to have an account with the NEFT enabled destination bank branch in the country.

The NEFT system also facilitates one-way cross-border transfer of funds from India to Nepal. This is known as the Indo-Nepal Remittance Facility Scheme. A remitter can transfer funds from any of the NEFT-enabled branches in to Nepal, irrespective of whether the beneficiary in Nepal maintains an account with a bank branch in Nepal or not. The beneficiary would receive funds in Nepalese Rupees. A separate Transaction Code (No. 51) has been allotted in the NEFT system to facilitate the transfer of funds from India to Nepal. Further details on the Indo-Nepal Remittance Facility Scheme are available on the website of Reserve Bank of India at http://rbidocs.rbi.org.in/rdocs/content/pdfs/84489.pdf.

Q.6. Is there any limit on the amount that could be transferred using NEFT?

Ans: No. There is no limit – either minimum or maximum – on the amount of funds that could be transferred using NEFT. However, for walk-in customers mentioned at Q.4 and Q.5 above, including those remitting funds under the Indo-Nepal Remittance Facility Scheme, the maximum amount that could be transferred is Rs. 49,999.

Q.7. Whether the system is centre specific or has any geographical restriction?

Ans: No. There is no restriction of centres or of any geographical area within the country. The NEFT system takes advantage of the centralised accounting system in banks. For the purpose, the account of a bank that is originating or receiving funds transfer instructions through NEFT is operated centrally at Mumbai. The branches participating in NEFT can, however, be located anywhere across the length and breadth of the country.

To facilitate operation of the Indo-Nepal Remittance Facility Scheme, the NEFT system also extends to branches of banks in Nepal (as detailed at Q.5 above).

Q.8. What are the operating hours of NEFT?

Ans : Presently, NEFT operates in hourly batches – there are eleven settlements from 9 am to 7 pm on week days and five settlements from 9 am to 1 pm on Saturdays.

Q.9. How does the NEFT system operate?

Step-1 : An individual / firm / corporate intending to originate transfer of funds through NEFT has to fill an application form providing details of the beneficiary (like, name of the beneficiary, name of the bank branch where the beneficiary has an account, IFSC of the beneficiary bank branch, account type and account number). The application form will be available at the originating bank branch. The remitter authorizes his/her bank branch to debit his account and remit the specified amount to the beneficiary. Customers enjoying net banking facility offered by their bankers can initiate the funds transfer request online. Some banks offer the NEFT facility even through the ATMs. Walk-in customers will, however, have to give their contact details (complete address and telephone number, etc.) to the branch. This will help the branch to refund the money to the customer in case credit could not be afforded to the beneficiary’s bank account or the transaction is rejected / returned for any reason.

Step-2 : The originating bank branch prepares a message and sends the message to its pooling centre (also called the NEFT Service Centre).

Step-3 : The pooling centre forwards the message to the NEFT Clearing Centre (operated by National Clearing Cell, Reserve Bank of India, Mumbai) to be included for the next available batch.

Step-4 : The Clearing Centre sorts the funds transfer transactions destination bank-wise and prepares accounting entries to receive funds from (debit) the originating banks and give the funds to (credit) the destination banks. Thereafter, bank-wise remittance messages are forwarded to the destination banks through their pooling centre (NEFT Service Centre).

Step-5 : The destination banks receive the inward remittance messages from the Clearing Centre and pass on the credit to the beneficiary accounts.

Q.10. What is IFSC?

Ans : IFSC or Indian Financial System Code is an alpha-numeric code that uniquely identifies a bank-branch participating in the NEFT system. This is a 11 digit code with the first 4 alpha characters representing the bank, and the last 6 numeric characters representing the branch. The 5th character is 0 (zero). IFSC is used by the NEFT system to route the messages to the destination banks / branches.

Q.11. How can the IFSC of a bank-branch be found?

Ans: Bank-wise list of IFSCs is available with all the bank-branches participating in NEFT. List of bank-branches participating in NEFT and their IFSCs is available on the website of Reserve Bank of India at http://www.rbi.org.in/scripts/neft.aspx. All the banks have also been advised to print the IFSC of the branch on cheques issued by branches to their customers. For net banking customers many banks have enabled online search / pop-up of the IFSC of the destination bank branch.

Q.12. What are the processing or service charges for NEFT transactions?

Ans: Reserve Bank of India has waived the processing or service charges for member banks till March 31, 2011. Accordingly, member banks participating in NEFT need not pay any processing or service charges to Reserve Bank of India. Further, processing or service charges to be levied by the member banks from their customers have also been rationalised by Reserve Bank of India as under : –

a) Inward transactions at destination bank branches (for credit to beneficiary accounts)

– Free, no charges to be levied from beneficiaries

b) Outward transactions at originating bank branches (charges for the remitter)

– For transactions up to Rs 1 lakh – not exceeding Rs 5 (+ Service Tax)
– For transactions above Rs 1 lakh and up to Rs 2 lakhs – not exceeding Rs 15 (+ Service Tax)
– For transactions above Rs 2 lakhs – not exceeding Rs 25 (+ Service Tax)

Note: Charges applicable for transferring funds from India to Nepal using the NEFT system (under the Indo-Nepal Remittance Facility Scheme), are as under –

a) Originating bank branch in India – Maximum Rs 5 (+ Service Tax) per transaction.

b) State Bank of India in India – Rs 20 (+ Service Tax) per transaction if the beneficiary maintains an account with Nepal SBI Ltd. (NSBL).

c) State Bank of India shares this amount equally with NSBL. NSBL would not charge any additional amount for crediting the account of the beneficiary.

d) In case the beneficiary does not maintain an account with NSBL, an additional amount would be charged @ Rs 50 (+ Service Tax) for remittances up to Rs 5,000 and Rs 75 (+ Service Tax) for remittances above Rs 5,000.

The charges for the Indo-Nepal Remittance Facility Scheme would, thus, be a minimum of Rs 25 (+ Service Tax) or a maximum of Rs 100 (+ Service Tax) depending on the value of transaction and the manner in which credit is afforded to the beneficiary.

Originating bank branches have been advised to recover the entire charges from the remitter as per the structure detailed above and pass on the appropriate amount to SBI after retaining their share (of Rs 5 + Service Tax).

Q.13. When can the beneficiary expect to get the credit to his bank account?

Ans: The beneficiary can expect to get credit for the first nine batches on week days (i.e., transactions from 9 am to 5 pm) and the first four batches on Saturdays (i.e., transactions from 9 am to 12 noon) on the same day. For transactions settled in the last two batches on week days (i.e., transactions settled in the 6 and 7 pm batches) and the last batch on Saturdays (i.e., transactions handled in the 1 pm batch) beneficiaries can expect to get credit either on the same day or on the next working day morning (depending on the type of facility enjoyed by the beneficiary with his bank).

The timelines for remittances to Nepal using the NEFT system (under the Indo-Nepal Remittance Facility Scheme) are detailed separately at http://rbidocs.rbi.org.in/rdocs/content/pdfs/84489.pdf.

Q.14. Who should be contacted in case of non-credit or delay in credit to the beneficiary account?

Ans: In case of non-credit or delay in credit to the beneficiary account, the NEFT Customer Facilitation Centre (CFC) of the respective bank can be contacted (the remitter can contact his bank’s CFC; the beneficiary may contact the CFC of his bank). Details of NEFT Customer Facilitation Centres of banks are available on the websites of the respective banks. The details are also available on the website of Reserve Bank of India at http://www.rbi.org.in/scripts/neft.aspx.

If the issue is not resolved satisfactorily, the NEFT Help Desk (or Customer Facilitation Centre of Reserve Bank of India) at National Clearing Cell, Reserve Bank of India, Mumbai may be contacted through e-mail or by addressing correspondence to the General Manager, Reserve Bank of India, National Clearing Centre, First Floor, Free Press House, Nariman Point, Mumbai – 400 021.

Q.15. What will happen if credit is not afforded to the account of the beneficiary?

Ans: If it is not possible to afford credit to the account of the beneficiary for whatever reason, destination banks are required to return the transaction (to the originating branch) within two hours of completion of the batch in which the transaction was processed.

For example, if a customer submits a fund transfer request at 12.05 p.m. to a NEFT-enabled branch, the branch in turn forwards the message through its pooling centre to the NEFT Clearing Centre for processing in the immediately available batch which (say) is the 1.00 pm batch. The destination bank, if is unable to afford the credit to the beneficiary for any reason, has to return the transaction to the originating bank, not later than in the 3.00 pm batch. The originating branch is expected to afford credit to the originating customer, maybe within the next 30 minutes, (say) by 3.30 pm. To conclude, for all uncredited transactions, customers can reasonably expect the funds to be received back by them in around 3 to 4 hours time.

Q.16. Can NEFT be used to transfer funds from / to NRE and NRO accounts?

Ans: Yes. NEFT can be used to transfer funds from or to NRE and NRO accounts in the country. This, however, is subject to the adherence of the provisions of the Foreign Exchange Management Act, 2000 (FEMA).

Q.17. Can inward foreign remittances be received through NEFT?

Ans : No. The NEFT system can be used only for remitting Indian Rupees between the participating bank branches in the country.

Q.18. Can remittances abroad be sent using NEFT?

Ans: No. However, a facility is available to send outward remittances to Nepal under the Indo-Nepal Remittance Facility Scheme. Details of this scheme are available on the website of Reserve Bank of India at http://rbidocs.rbi.org.in/rdocs/content/pdfs/84489. pdf.

Q.19. What are the other transactions that could be initiated using NEFT?

Ans: The NEFT system can be used to pay credit card dues to the card issuing banks. A separate Transaction Code (No. 52) has been allotted in the NEFT system to facilitate the payment of credit card dues to card issuing banks. It is necessary to quote the IFSC of the beneficiary card issuing bank to initiate the bill payment transactions using NEFT.

Q.20. Can a transaction be originated to draw (receive) funds from another account?

Ans : No. NEFT is a credit-push system i.e., transactions can be originated only to transfer funds to a beneficiary.

Q.21. Would the remitter receive an acknowledgement once the funds are transferred to the account of the beneficiary?

Ans: Yes. In case of successful credit to the beneficiary’s account, the bank which had originated the transaction is expected to send a confirmation to the originating customer (through SMS or e-mail) advising of the credit as also mentioning the date and time of credit. For the purpose, remitters need to provide their mobile number / e-mail-id to the branch at the time of originating the transaction.

Q.22. Is there a way for the remitter to track a transaction in NEFT?

Ans: Yes, the remitter can track the NEFT transaction through the originating bank branch. It is possible for the originating bank branch to keep track and be aware of the status of the NEFT transaction at all times.

Q.23. What are the pre-requisites for originating a NEFT transaction?

Ans : Following are the pre-requisites for putting through a funds transfer transaction using NEFT –

Originating and destination bank branches should be part of the NEFT network

Beneficiary details such as beneficiary name, account number and account type

Name and IFSC of the beneficiary bank branch. For net banking customers, some banks provide the facility to automatically pop-up the IFSC once name of the destination bank and branch is highlighted / chosen / indicated / keyed in.

Q.24. What are the other features of NEFT?

Ans: Launched in October 2005, NEFT is an electronic payment system that uses a secure mode of transferring funds from one bank branch to another bank branch. NEFT uses the Public Key Infrastructure (PKI) technology to ensure end-to-end security and rides on the INdian FInancial NETwork (INFINET) to connect the bank branches for electronic transfer of funds. The participating banks, branch coverage and transaction volumes have been continuously increasing, which is reflective of the acceptance and popularity of the NEFT system. For further details about the NEFT system and the NEFT Procedural Guidelines – available on the website of Reserve Bank of India at http://www.rbi.org.in/scripts/neft.aspx. – may also be referred.

The 100 Best Websites List


1
Yahoo!
Yahoo is your Online Free Treasure Room! An outstanding search engine (especially for “official” websites), it also provides a cornucopia of free services: free email, maps, Yellow Pages, games, shopping, news, finance, sports, live chat — the list just goes on and on and on! By far (in our opinion), Yahoo is the best site on the Web!
2
Google
We believe Google is simply the best tool on the Web for finding just about anything (except possibly “official” websites). It is screamingly fast, sleek, streamlined, and as comprehensive as a search tool can be.
3
Amazon.com
Amazon is nothing less than a revolution in how the world shops. It is a huge step forward in the achievement of an ideal competitive market. It is user-friendly, vast, and reliable.
4
About.com
About.com breaks up the Web into major subject areas with a volunteer human host for each of them. It helps you sift out the wheat from the chaff on an enormous range of subjects.
5
Bartleby.com
Much of the greatest literature in the history of humankind will be found in full text form (and free of charge) at this amazing site. In addition, many useful reference tools are here (also free!)
6
Google Groups
Formerly “DejaNews“, Google Groups is a glorious experiment in free speech! This oceanic database of over 800 million posted “Usenet” messages from people all over the globe constitutes the largest bulletin board in the history of the world! It’s fully searchable, and you can post your own messages free of charge. (Tip: don’t use your primary email address in your posts! To avoid spam, use a temporary email address.)
7
Google News
A bold endeavor in online journalism, Google News provides you hundreds of news sources (typically) for each of the major stories of the day. Just find the story that interests you on the main page, and you will see something like “227 related” or “535 related” just beneath it. Click this to see the extensive range of news sources available for the story you are after! (Its database of past news is also searchable.)
8
CNN
For fast-breaking news and responsible journalism, it’s hard to beat CNN. And the text content at this site is mostly free!
9
EBay
Ebay is the world’s biggest, longest-running garage sale, as well as its most extensive auction house. Buy, sell, browse, bid, and be amazed at what you find at this wonderful site!
10
Download.com
If you love software treasure-hunting, Download.com is the site for you! This massive and well-rounded collection of shareware (try-before-you-buy) and freeware (totally free software) is fully searchable and sortable. And there’s no wait for a package in the mail: download it NOW, install it, and take it for a test drive!
11
Craigslist.org
Craigslist.org is a daring bulletin board system directed toward the major cities in the US, Canada, the UK, and (soon) other countries. The magical distinction of Craigslist is its use of anonymous email forwarding: your email address is invisible to the public. A pointer (which expires after several days) forwards all responses to you. Visit Craigslist if you want to sell or buy something, if you want to meet new people (romantically or otherwise), if you want to look for a job, or if you want to share your ideas. Almost all of its features are totally free, except job listings for employers.
12
Reference.com
Your inner-librarian will be delighted! Here you will find (free of charge) Dictionaries, Encyclopedias, Almanacs, Atlases, and an assortment of other helpful resources.
13
Wikipedia.org
One of the most remarkable online encyclopedias on the Web! All the content is free, in the public domain, and quotable. Wikipedia is maintained by an army of volunteers. Even so, its content remains of very high quality. Wikipedia is a good example of how the Web can function at is best! Be sure to visit whenever you have any question that an encyclopedia might help you answer. You might be surprised how often Wikipedia will come through for you!
14
Beliefnet.com
Beliefnet.com is an online community for people who practice spirituality in just about any tradition in the world. The emphasis here is on mutual respect and tolerance. Free inquiry and exchange of ideas is invited. Secular (non-religious) philosophies and ideas are also welcome. Also, sacred texts from the world’s great religions will be found referenced at this site.
15
Anywho
Anywho is a great online phone book and people-finder sponsored by AT&T. Use the Yellow Pages for businesses, the White Pages for people, and the Reverse Lookup if all you have is a phone number.
16
Weather.com
Enter your Zip Code and see the weather predictions for the next ten days (scroll down), courtesy of The Weather Channel. It’s easy and it’s free!
17
Search.com
Search.com is an outstanding example of a “metasearch engine”: a web search tool that employs over 1,000 search engines running in parallel to help you find what you are looking for.
18
Hotmail.com
MSN’s Hotmail.com provides you with totally free email, pure and simple!
19
NIH.gov
The National Institutes of Health of the U.S. Department of Health & Human Services has created this clearinghouse of information on all matters related to your physical well-being. You’ll find drug information (MEDLINEplus), disease & symptom documentation, health recommendations, summaries on every major system of the human body, and much more at this excellent site.
20
CNET.com
CNET.com (the parent site of Download.com) is a technophile’s oasis! If you are looking for desktop computers, laptops, printers, peripherals, software cell phones, cameras, or just about any other kind of gadgetry, be sure to take advantage of CNET’s reviews and price comparison features. This free site can save you hundred or thousands of dollars, depending on your needs
21
London Books
The London Review of Books is a respected journal for those who enjoy reading the best books in the world! At times, the reviews themselves rise to the level of great literature.
22
Refdesk.com
You could spend tens and tens of hours browsing the huge catalogue of useful websites at Refdesk.com. You’ll find newspapers, photo databases, reference tools, trivia, quotes, self-help advice, search engines, and much, much more at this virtual goldmine of the Web.
23
MayoClinic.com
Simply put, the Mayo Clinic is one of the greatest hospitals and medical research centers on Planet Earth. In that tradition, the Mayo Clinic provides this excellent website devoted to the promotion of human health.
24
GuideStar.org
If you give some of your time, money, and energy to help the disadvantaged of the world, you would probably like to know that your contributions are put to good use. GuideStar.org provides extensive information on nearly all major charitable organizations. It will help you “heal the world” responsibly.
25
FirstGov.gov
The official portal of the Federal Government of the United States, FirstGov.gov puts you in touch with your elected officials and the agencies and people they govern. Lots of good information here.
26
BBC.com
The BBC has long been the standard for international journalism. At this site, you can watch, listen, and read live and recorded content from the BBC. (Be sure to catch the hourly World News Update!) But don’t stop with the news! Be sure to browse the History, Science, Society, and other categories to find rich content of unusually high quality. You could browse this site for many weeks without exhausting its abundant resources!
27
IMDB.com
The Internet Movie Database (IMDB) is a movie-lover’s paradise! Discover every movie your favorite actor/actress has been in, discover every actress/actor in your favorite movie! All the facts about all the films will be found here.
28
Expedia.com
Expedia.com makes travel very easy and about as cheap as it can be. Your one stop shop for low-cost air travel, hotels, rental cars, and tour packages!
29
Slate.com
MSN’s Slate is one of the premier online magazines. You’ll find news, ideas, reviews, and much more here.
30
Nutrition.gov
Nutrition.gov provides authoritative information about health and nutrition. You will also find the USDA’s National Nutrient Database here, which will allow you to evaluate your diet with more knowledge than ever before!
31
Altmedicine.com
Alternative medicine has found its voice on the web at Altmedicine.com! Having received praise from many sources (including the prestigious medical journal “The Lancet”), Altmedicine.com explores the best information from many sources on alternative approaches to human health.
32
Citysearch.com
When you need to get to know a city fast, Citysearch.com should be your first stop! You’ll find information and reviews of restaurants, hotels, places to see, shopping, services, and much more about major American (and some international) cities at this site.
33
Monster.com
Need a job? Visit Monster.com, an enormous database & job listing site for employers and employees to be!
34
Vote-Smart.org
Enter your Zip Code and find links to your Congresspersons, your President, and your state representatives! Project Vote Smart will help you become an informed and effective voter.
35
Sciam.com
The online manifestaton of Scientific American magazine, Sciam.com presents clear, intelligent writing on the most important scientific discoveries, initiatives, and controversies of our time. Much of the content is free. And you can search past issues!
36
ESPN.com
If you love sports, sports history, or sports statistics, ESPN.com is the site for you!
37
Encarta.com
MSN’s online encyclopedia Encarta gives you fast, free access to an amazing range of facts. Much of the content is free, but some requires membership.
38
Findlaw.com
Findlaw.com provides a fantastic set of tools for anyone interested in American Law. Widely used by legal professionals, it can also be used profitably by laymen. Learn the facts about the laws that govern you from this excellent site!
39
Nature.com
One of the world’s premier scientific journals, Nature, provides much of its content online (and much of it free!) Check out subject areas on Chemistry, Physics, Microbiology, Medicine and much more at this fantastic site!
40
USA Today local
Though it’s not quite a substitute for your favorite local paper, USA Today’s “States” news will give you a summary of the major events in all 50 states of the Union.
41
AllPosters.com
Who would have thought that one of the best selections of fine art prints online would be available at a poster shop?! Allposters.com is almost like an online museum: but a museum at which you can buy what you see (at reasonable prices). Not only fine art, but movie and concert posters and many other things framable will be found here!
42
Time.com
Time magazine is one most respected news magazines on earth. And much of its content is available free here!
43
Mapquest.com
Get clear, printable maps, driving directions, addresses of businesses, and much more at Mapquest.com
44
Abebooks.com
Find your favorite old or out-of-print books at this wonderful site!
45
Allmusic.com
From Beethoven to the Beatles and beyond, you’ll find Allmusic.com a treasure-trove of musical knowledge.
46
MedlinePlus.gov
The National Institutes of Health maintains MedlinePlus for those interested in reliable information on prescription and over-the-counter drugs. Even so, you’ll find many other valuable health-related resources here.
47
Open Directory
As modest as it appears, the Open Directory is a true powerhouse in web-searching! It provides search data to many of the most widely-used search engines, and it itself is a first rate directory of the best of the Web.
48
LOC.gov
The Library of Congress is gradually making more and more of its collosal store of resources available on the web. Its website should afford you many happy hours of browsing.
49
Windows Media
Online Radio is here, and MSN’s Windows Media is one of the finest sites available devoted to it!
50
UComics.com
Your favorite comics may be online, and they may be here! The latest contributions from Garfield, Calvin & Hobbes, Doonesbury, Cathy, Ziggy, and many others will be found at this easy-to-use site.
51
InfoPlease.com
A first-rate online almanac, atlas, dictionary, & encylcopedia, all rolled into one!
52
Alexa.com
What’s good is not always popular, and what’s popular is not always good, but on the Internet, popularity and quality go are found together often enough. Alexa.com helps you find the most frequently visited sites in many categories.
53
Museums
When you’re too busy to visit museums in person, you can visit them online! This fantastic guide to online museums is a great place to start.
54
UN.org
The homepage of the United Nations presents a rich collection of information about the state of humankind on Planet Earth. Practical strategies for making this world a better place are laid out in substantial detail here.
55
Sacred Texts
The Internet Sacred Text Archive presents the scriptures of the world’s great spiritual traditions. You’ll find sacred writings from Zoroastrianism, Hinduism, Taoism, Buddhism, Judaism, Christianity, Islam, Confucianism, and many others here (along with a few curious entries!)
56
ArtForum.com
Artforum is one of the world’s most widely read journals devoted to the fine arts. Be sure to check out there “Museum Finder” when you visit!
57
WebMD.com
Get sound medical information and tips on a healthy lifestyle from this respected site.
58
VLIB.org
The WWW Virtual Library relies on a consortium of experts around the world to present the richest content available on the Web in a broad range of subject areas.
59
MoneyCentral
MSN’s MoneyCentral will help you make intelligent decisions about investing, taxes, loans, retirement, and all things financial.
60
Classmates.com
Wouldn’t you love to track down some of your old school friends? Or maybe a favorite teacher who made a difference in your life? This is the place to start. Basic access is free, premium access is modestly priced.
61
Europa.eu.int
The Hompage of the European Union is home to a vast collection of information about all aspects of European government. The EU’s goals and strategies for achieving them are discussed in detail.
62
Yahoo! Groups
Nowhere is it easier to start your own discussion group or bulletin board about just about anything! Within minutes and with no cost, you can have your special subject humming with lively (and often scrappy) discussion. Free speech rules!
63
NY Rev Books
This foremost literary journal is surprisingly generous with its content: access the full content of each edition online. Remarkable.
64
Jokes.com
Not only will you find jokes in abundance here, but each joke has a running rating from site visitors! Be forewarned, not all these jokes are in good taste!
65
Priceline.com
Name the price you’re willing to pay for airline tickets, hotels, rental cars, vacations, or cruises. There’s no guarantee your offer will be accepted, but if it is, you will save some serious money!
66
RottenTomatoes
Which movie should you see this weekend? Rottentomatoes.com lets you read the opinions of over 100 critics (for most movies) to help you decide. The “Cream of the Crop” critics list may include your favorite critic. The popular “TomatoMeter” gives you a running average of the critics ratings for each film.
67
IPL.org
The Internet Public Library, based at the University of Michigan, may be the next best thing to having a University library attached to your house! In some ways, it may be even better.
68
AceFitness.com
We all know we should exercise, but what exercises are best for us? The American Council on Exercise describes exercises that are safe and effective for those wishing to stay in shape.
69
Quicken.com
The home of Quicken financial software, this site also provides free tools to help you plan and manage your assets.
70
Andante.com
This celebrated classical music magazine is available online, much of the content free. Paying members will enjoy an extensive collection of additional resources.
71
Pauling Nutrition
What does the latest research say about vitamins, minerals, nutritional supplements, and other nutrients? The Micronutrient Information Center of the Linus Pauling Institute provides detailed and well-documented information on all these. (Incidentally, Linus Pauling was the only person in history to win two Nobel Prizes!)
72
PCmag.com
PC Magazine has long been a favorite read of computer and technology enthusiasts. For hardware and software reviews, as well as tips for improving your computing experience, be sure to visit this site!
73
Times of London
Yes, you have to subscribe for access, but it’s worth it to read the Times of London online.
74
Federal Jobs
The FedWorld Federal Job Search engine might land you in a new job quicker than you had thought possible! It’s free to use, and user-friendly.
75
IHT.com
One of the world’s finest newspapers, the International Herald Tribune is also one of the few online newspapers that doesn’t require registration to read, free or otherwise! (Let’s hope it stays that way!)
76
Online Books
Over 20,000 free books on the Web, many of them classics! Search by author, title, subject, century, or just browse for fun.
77
Pogo.com
Play Chess, Checkers, card games, or work Crosswords online at Pogo.com, a free website maintained by Electronic Arts!
78
BizRate.com
BizRate.com may be “the largest, fastest, and most accurate shopping search engine on the Web”. Save money and find top quality at this site.
79
Billboard.com
Billboard Magazine has chronicled the world of popular music and entertainment since its founding in 1894! (Yes, that’s 1894, not 1994!) Much of the information at this site is free.
80
Translation
Translate the content of an entire website from one language to another simply by entering the site’s web address! Or enter a block of text and translate it from one language to another! To be sure, the translation is not perfect, but it may be good enough for what you need. AltaVista’s Babel Fish Translations site has been serving up automatic translations for years, and it’s free! (To see Babel Fish in action, why not translate and display THIS website in any one of 10 languages with a single click of the mouse — click here to see our “Translation Bar”!
81
Give.org
Most of us would like to donate money, time, energy, or ideas to help the least advantaged people of the world. But it is a challenge to ensure that our donations are used effectively and responsibly. Give.org, a service of the Better Business Bureau, evaluates major charities and provides reports on how responsibly they do their work.
82
Mathworld
“The Web’s most extensive mathematics resource” will help you remember all the algebra, geometry, trig, statistics, calculus, and diffie-Q that you left behind years ago! And you’ll probably learn a lot you never knew along the way.
83
WebRing.org
Webrings are like pearl necklaces of websites on related topics. Webring.org helps you find the webring that you’d like to browse or insert your own website into.
84
Career Builder
CareerBuilder.com employs its network of more than 130 local newspapers to help employ YOU! If you’re looking for work, do stop by!
85
411.com
411.com is a combined online Yellow Pages, White Pages, People Finder, and more!
86
Epinions.com
This site exists to help people make intelligent buying decisions. It is a compendium of reviews from thousands of people on thousands of different products. A good site to visit before any major purchase.
87
Spiritual Journals
The Religious Studies Web Guide is an enormous collection of links to major journals in theology and spiritual philosophy.
88
ALdaily.com
Arts & Letters Daily is a favorite stop for those who love thinking, literature, and dazzling ideas. It’s always fresh and always relevant.
89
Nolopress.com
The homepage of Nolo Press, the pioneers of do-it-yourself law, is also a rich source of free legal information.
90
Classical.net
Classical music lovers of all different levels of experience and sublety will love this site devoted to the history and ideas of great western music.
91
Blogger
Create your own “blog” to express your ideas to the world and invite responses. This service is high quality, and it’s free!
92
NYTimes.com
The New York Times online does require (free) registration, but it is well worth that small investment of time. Keep up on events that shape the world by visiting often.
93
Earthcam.com
Live online cameras are all over the world in fascinating and often unlikely places. Look through many windows on the world LIVE at Earthcam.com!
94
BBB.org
The Better Business Bureau is online and ready to help in the continuing struggle against shoddy business practices.
95
intelihealth
Harvard Medical School’s respository of consumer health information will be found at this excellent site, along with many user-friendly articles on health, disease, drugs, and the human body.
96
LiveJournal.com
Keep a journal online about anything at all! And browse the journals of others. Livejournal.com is one of the most popular “blogging” sites, and with very good reason.
97
BBC Faith
The “Religion & Ethics” site of the BBC sets the world’s great spiritual traditions side by side and provides extensive information on each of them.
98
ArtsJournal
This “daily digest of arts, culture, and ideas” is sure to provide stimulation for aesthetes and intellectuals.
99
TicketMaster
The purpose of ticketmaster.com is simple: get the tickets you want easily, in advance, and at a reasonable cost.
100
Gutenberg.net
Project Gutenberg presents a collection of over 15,000 electronic books (“ebooks”) available for free download! Most are older literary works in the public domain, many of the considered classics. An amazing and useful monument to the volunteer labor of thousands of participants!

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