/* Please refer to readme.html for full Instructions Text[...]=[title,text] Style[...]=[TitleColor,TextColor,TitleBgColor,TextBgColor,TitleBgImag,TextBgImag,TitleTextAlign,TextTextAlign, TitleFontFace, TextFontFace, TipPosition, StickyStyle, TitleFontSize, TextFontSize, Width, Height, BorderSize, PadTextArea, CoordinateX , CoordinateY, TransitionNumber, TransitionDuration, TransparencyLevel ,ShadowType, ShadowColor] */ var FiltersEnabled = 1 // if your not going to use transitions or filters in any of the tips set this to 0 /*Text[0]=["Me Email","Click here to send me an email "] Text[1]=["Home Page","Click here to go to my Web site."] Text[2]=["This is the title","Well How do you find this Tip message to be?"] Text[3]=["Right","This tip Is right positioned"] Text[4]=["Center","This tip Is center positioned"] Text[5]=["Left","This tip Is left positioned"] Text[6]=["Float","This tip Is float positioned at a (10,10) coordinate, It also floats with the scrollbars so it is always static"] Text[7]=["Fixed","This tip Is fixed positioned at a (1,1) coordinate"] Text[8]=["sticky style","This tip will sticky around
This is useful when you want to insert a link like this Home Page"] Text[9]=["keep style","This sticks around the mouse"] Text[10]=["Left coordinate control","This tip is right positioned with a 40 X coordinate "] Text[11]=["Top coordinate control","This tip is right positioned with a 50 Y coordinate"] Text[12]=["Visual effects","This tip has a Shadow and is Transparent a little and also has a random Transition applied to it "] Text[13]=["different style","Wow this is a new style and position! "] Text[14]=["This is The title","this is the text"] Text[15]=["","This is only text"]*/ /* Mortgages - mortgage_search.cfm */ Text[16]=["","What is the purchase price of the property? or If remortgaging what is value of your property?

If you have not yet found a property, but are researching potential mortgages, enter the likely purchase price you are expecting to pay.

Alternatively if you are remortgaging enter the estimated current market value of your property."] Text[17]=["","How much do you want to borrow?

It is worth noting that the actual amount a mortgage provider will be prepared to lend to you is dependent on a number of factors."] Text[18]=["","Over how many years?

Specify the term over which you want to repay the mortgage. Most mortgage lenders typically lend over 25 years but will be happy to arrange a shorter term, however only a smaller number of lenders are prepared to offer longer terms."] Text[19]=["","What type of home loan are you interested in?

Fixed Rate-A fixed interest rate provides the guarantee that you will know what your mortgage payments will be for a set period of time. After the fixed period ends, your rate will generally revert to the lenders standard variable rate.

Variable Rate-A variable rate will generally move up and down in response to underlying changes in the banks base lending rate.

Discounted Rate-With one of these mortgages your lender will offer you a discount off their standard rates for a set period of time.

Lo-Doc-These loans are designed for those who have trouble proving their income."] Text[20]=["","How long is the rate to apply?

You may specify the length of the special interest rate period if you wish to do so (between 1-25 years). You do not have to do this to continue with the comparison process.

If you select one of the above types of mortgage without specifying a duration you will see a variety of time periods offered on the results page. However, if you enter, for example, a period of 2 years, you will only see mortgage offers with a special rate period of that duration."] Text[21]=["","Which is most important to you?

Lowest true cost-If you want to see the results sorted by the cheapest overall mortgages, select the lowest true cost option.

Lowest initial monthly payment-If you would prefer to see the search results sorted by the lowest initial monthly payment select the Lowest initial monthly payment option. "] Text[22]=["","Over what period do you want to compare the mortgages?

The term over which your mortgage is structured and the length of time you are likely to keep it are two different things. The standard mortgage term is 25 years. However, only a minority of mortgages actually run for that length of time. Why? Because we move home and change mortgages and, more recently, we take advantage of interest rate changes and the competitive mortgage market to remortgage.

We believe that the average length of time mortgages run for is now just 7 years - our default setting. You may alter this number to suit your own requirements."] Text[23]=["","Exclude home loans with early repayment charges?

Exclude loans with early repayment charges by selecting yes."] Text[24]=["","How long would you like the rate to apply?

This feature enables you to search for mortgages whose interest rate terms are fixed for a certain period of time. For example if you are only looking for 2 year fixed mortgages then select at least 2 years."] Text[25]=["","Exclude home loans that allow extra repayments?

Exclude loans that do not allow extra repayments to be made without penalty by selecting yes."] Text[26]=["","Exclude home loans that offer the ability to redraw any extra repayments?

Exclude loans that do not have a redraw facility by selecting yes."] Text[27]=["","Do you want a combination of fixed and floating ratea in your home loan?

Exclude loans that cannot be split by selecting yes."] Text[28]=["","Include home loans from all institutions?

Search for mortgages from certain types of institutions only. For example if you are only interested in mortgages from Banks then select Banks only."] Text[29]=["","What purpose do you intend to use the home loan for?

Select the purpose you require. For example if you are only interested in personal mortgages then select personal."] /* Mortgages - mortgage_search_results.cfm */ Text[30]=["","Compare Mortgages

Compare mortgages side by side by selecting two check boxes and then clicking the compare link at the bottom of the page."] Text[31]=["","Lender

Sort alphabetically by lender when you click the arrow below."] Text[32]=["","Mortgage Type

sort alphabetically by mortgage type when you click the arrow below.

Alternatively if you want to exclude certain mortgage types go back to the advanced search page to refine your search."] Text[33]=["","Initial Monthly Payment

Sort initial monthly payments from the lowest to the highest by clicking the arrow below."] Text[34]=["","Initial Interest Rate

Sort initial interest rates from lowest to highest by clicking the arrow below."] Text[35]=["","Rate Period

Sort rate periods from lowest to highest by clicking on the arrow below."] Text[36]=["","True Cost

The true cost of borrowing is effectively the total amount that you will be paying the lender for the specified comparison period.

Sort the true cost of borrowing from lowest to highest by clicking on the arrow below."] Text[37]=["","Details

Click the more button to explore the specific terms of the mortgage products that you are interested in."] Text[38]=["","Product Name

Sort alphabetically by product name when you click the arrow below."] Text[39]=["","tbd

"] /* Mortgages - mortgage_amortisation_schedule.cfm */ Text[40]=["","Payment number

Each payment number is equal to one calendar month."] Text[41]=["","Beginning Balance

The total amount borrowed including any loan costs (e.g. establishment fees)."] Text[42]=["","Principal

The part of the monthly payment that reduces the outstanding balance of the loan."] Text[43]=["","Interest

The monthly amount that is charged for borrowing money from the lender."] Text[44]=["","Ending Balance

The amount of money remaining unpaid on the loan at the end of the month."] Text[45]=["","Cummulative Interest

The total amount charged by the lender for the priviledge of borrowing their money."] Text[46]=["","Total Payment

The total amount paid to the lender each month."] /* Loans - loans_search.cfm */ Text[50]=["","How much do you want to borrow?

It is worth noting that the actual amount a loan provider will be prepared to lend to you is dependent on a number of factors."] Text[51]=["","Over how many years?

Specify the term over which you want to repay the loan. Most lenders typically lend over 2-7 years however some will be prepared to offer longer terms."] Text[52]=["","What type of loan will you consider?

Specify whether you want loans secured over your property or whether you prefer them to be unsecured."] Text[53]=["","Select an institution if you have a preference?

Check out the products a specific lender has on offer."] Text[54]=["","Include loans from all institutions?

Search for loans from certain types of institutions only. For example if you are only interested in loans from Public Sector Banks then select Public Sector Banks only."] Text[55]=["","What loan purpose are you interested in?

Specify the purpose that you want your loan for so that we can show you the suitable products available."] Text[56]=["","Select the region and/or city where you want to find loans?

Most banks do not operate in every city. Therefore we suggest that you select the region and city where you are looking at taking out a loan."] Text[57]=["","Are you a salaried or a self employed worker?

Select the option that applies to you so that we can show you the suitable loans and eligible loan amount that you can borrow."] Text[58]=["","What is your net monthly/annual income?

Based upon your salary/income we can show you the suitable loans and eligible loan amounts for you."] /* Creditcards - creditcard_search.cfm */ Text[60]=["","What is more important to you?

Your selection will sort the results by either the lowest rate or by the lowest balance transfer rate."] Text[61]=["","What type of card are you looking for?

Select the types that you are interested in. Gold and Platinum cards will normally require you to earn a certain salary."] Text[62]=["","Select an institution if you have a preference?

Check out the products a specific company has on offer."] Text[63]=["","Only show cards with reward programs?

Filter out cards that do not provide any rewards."] Text[64]=["","Only show cards with no annual fees?

If you are looking for cards that do not charge an annual fee then select 'yes'. But remember that cards with no fees will normally provide a greater interest rate, have larger fees or provide less benefits to recoup the costs. Make sure that you look for the catch."] Text[65]=["","What creditcard purpose are you interested in?

Select student or graduate cards if you are looking for these types of cards."] Text[66]=["","Select the credit card providers that you require?

If you have a preference select the provider(s) that you are interested in."] /* Savings - savings_search.cfm */ Text[70]=["","How much do you want to deposit?

This will enable us to just show you products that allow this amount of deposit."] Text[71]=["","Select the product types that you require?

Choose those categories that you want to search for."] Text[72]=["","Choose the access that you require?

Filter out products that will not allow you to perform the type of banking that you require."] Text[73]=["","Select an institution if you have a preference?

Check out the products a specific provider has on offer."] Text[74]=["","Include products from all institutions?

Search for saving or investment products from certain types of institutions only. For example if you are only interested in products from Banks then select Banks only."] Text[75]=["","Select the period of the deposit?

rer"] Text[76]=["","Select the purpose that you require?

If you are looking for products suitable for Non Resident Indians then select NRI."] Text[77]=["","Select the period of the deposit?

Day Select this if you are looking for short term deposits.
Month We suggest selecting month if you are looking from product periods of up to 12 months.
Year Select year if you are looking for products for long periods of time. "] Text[78]=["","Select the product types that you require?

Choose those categories that you want to search for."] Text[79]=["","Select the account purpose that you require?

Choose the one purpose that you are looking for."] Text[120]=["","Where are you located?

Not all products are offered to all cities so choose the area that best describes your area.

Metro greater than 5 million people
Urban from 1 million to 5 million
Semi Urban cities up to 1 million
Rural areas not defined above"] Text[121]=["","Reinvestment Deposit

A reinvestment deposit adds interest to your deposit at the end of each period or upon maturity. Both the interest and principal are rolled over and reinvested upon maturity of the deposit unless you instruct the bank otherwise.

Deposits can be held for a period of 7 days to 10 years."] Text[122]=["","Recurring Deposit

A recurring deposit account will require you to contribute a monthly instalment.

Generally you will have the flexibility over the maturity ranging from around 6 months to 120 months and can be opened with a low minimum monthly deposit amount of around Rs 100."] Text[123]=["","Tax Savings

These type of deposits which are for periods greater than 5 years provide good tax benefits. In these circumstances you will be entitled to a tax deduction of up to Rs 100,000.

Example:
Assume that you invest Rs 100,000 in a scheme @ 8% p.a. for five years. You will get a benefit of Rs 30,600 at 30.6 % on the eligible investment of Rs 100,000 assuming that you are in Rs 250,000 to Rs 1,000,000 tax bracket. Accordingly your effective investment would be Rs 69,400. "] Text[124]=["","NRO Fixed Deposit

These are Indian rupee denominated deposits designed for NRIs' to obtain higher interest rates than a standard savings account.

Interest earned on these deposits is taxable at 30% plus surcharge and is deducted at source.

Deposits can be held for a period of 7 days to 10 years."] /* Current Accounts - currentaccount_search.cfm */ Text[80]=["","Estimate the account's average monthly balance?

This will enable us to estimate the amount of interest your could be paid or in the case of overdrafts be expected to pay."] Text[81]=["","Select the type of accounts you require?

Filter out the product types that you are not interested in."] Text[82]=["","What is more important to you?

The selection that you make will determine the sort order of the results."] Text[83]=["","Select an institution if you have a preference?

Check out the products a specific savings or investment provider has on offer."] Text[84]=["","Include products from all institutions?

Search for saving or investment products from certain types of institutions only. For example if you are only interested in products from Banks then select Banks only."] Text[90]=["","Cash withdrawls at branch

Estimate the annual number of transactions where you withdraw cash at a branch."] Text[91]=["","Manual transfers at branch

Estimate the annual number of transactions where you tranfer funds from one account to another at a branch."] Text[92]=["","Deposits of cheques at branch

Estimate the annual number of transactions where you pay cheques into your account at a branch."] Text[93]=["","Deposits of cash at branch

Estimate the annual number of transactions where you pay cash into your account at a branch."] Text[94]=["","Cheques issued (bank drafts)

Estimate the annual number of bank cheques that you get issued to you at a branch."] Text[95]=["","Cash withdrawls at bank ATM's

Estimate the annual number of ATM withdrawl transactions that you make at your own bank ATMs."] Text[96]=["","Cash withdrawls at non-bank ATM's

Estimate the annual number of ATM withdrawl transactions that you make at ATM's that do not belong to your bank."] Text[97]=["","Cash withdrawls at overseas bank ATM's

Estimate the annual number of ATM withdrawl transactions that you make overseas."] Text[98]=["","EFTPOS withdrawls

Estimate the annual number of electronic transactions performed at the point of sale where you withdraw cash."] Text[99]=["","Automatic payments

Estimate the annual number of automatic payment transactions performed."] Text[100]=["","Direct debits

Estimate the number of annual direct debit transactions that come out of your account."] Text[101]=["","Direct credits

Estimate the number of annual direct credit transactions that go into your account."] Text[102]=["","Dishonoured cheques

Estimate the number of times a year where the cheques you have written are dishonoured."] Text[103]=["","Online banking registration

Select whether you require online banking."] Text[104]=["","Bill payments (online banking)

Estimate the number of annual online bill payment transactions from your account."] Text[105]=["","Transfers (online banking)

Estimate the number of annual online transfers out of your account."] Text[106]=["","Phone banking registration

Select whether you require telephone banking."] Text[107]=["","Account balance enquiries

Estimate the number of times an account balance is requested through the telephone banking service."] Text[108]=["","Bill payments (phone banking)

Estimate the number of annual telephone bill payment transactions from your account."] Text[109]=["","Transfers (phone banking)

Estimate the number of annual telephone transfers out of your account."] Text[110]=["","Overdraft facility

Select whether you require an overdraft facility."] Text[111]=["","Number of months a year in overdraft

Estimate the number of months in a year where you expect to be in overdraft."] Text[112]=["","Number of times going into unapproved overdraft

Estimate the number of times you expect to fall into unapproved overdraft."] /* Mobiles */ Text[130]=["","Mobile Operator

You may compare more than one mobile operator at a time by holding the ctrl button down and selecting the mobile operators that you require to search."] Text[131]=["","Features

You may compare more than one feature at a time by holding the ctrl button down and selecting the features that you require to search."] Text[132]=["","Effective Monthly Cost

The effective monthly cost takes into account call charges based upon the number of estimated monthly minutes and sms that you will make.

You may change the estimated minutes and sms to your profile in the dropdowns above and by clicking submit we will recalculate the best plans.

Calling Pattern
You can even change the calling pattern assumptions for these total minutes and sms by clicking on edit call pattern above to tailor the effective monthly cost further to your exact calling profile."] Text[133]=["","Talktime Percentage

This calculation divides the actual talktime given on the recharge voucher by the cost of the voucher.

The higher the percentage shown means that card is better value for money. A calculation of 100 means that there are no service charges applied to the card."] Text[134]=["","Talktime

The amount of talktime you get when you purchase the prepaid starter pack.

"] /* Broadband */ Text[140]=["","Minimum Speed Required

128Kbps - Occasional use, ideal for basic surfing, sending emails and downloading infrequently.
256Kbps - Light Use, ideal for general surfing, sending emails and downloading music a few times per week.
512Kbps - Medium use, ideal for general surfing, emails, downloading files regularly and occasional online gaming, online radio usage.
1Mbps - Heavy use, ideal for heavy surfing, downloading of music and video files as well as limited online gaming, listening to online radio and calls over the internet, (VOIP).
2Mbps - Very Heavy use, ideal for people who want the fastest speeds who regularly download big files like films, play online games and make calls over the internet.

If you're not sure what speed you want, select Don't know from the drop down and it will display all speeds."] Text[141]=["","Minimum Download Cap Per Month

Take a look at this rough guide that shows how much bandwidth downloads usually take:

A web page 100KB (eg Yahoo's home page is about 70KB)
A music track 4Mb
A music album 4Mb x 12 = 48Mb
A feature film 800Mb. A movie encoded with DIVX can be 800Mb-1.4Gb.
Online gaming dependent on the game. Popular title World of Warcraft can take from 4-10Mb/hour, while CSS can be up to 40Mb an hour.
"] Text[142]=["","Broadband Operator

You may compare more than one broadband operator at a time by holding the ctrl button down and selecting the broadband operators that you require to search."] Text[143]=["","
"] Text[144]=["","
"] Text[145]=["","
"] Text[146]=["","
"] Text[147]=["","
"] Text[148]=["","
"] Text[149]=["","
"] /* Loan Payment Schedule */ Text[150]=["","Payment number

Each payment number is equal to one calendar month."] Text[151]=["","Beginning Loan Balance

The total amount borrowed from the lender. After the first month you can see the loan amount outstanding at the beginning of the month."] Text[152]=["","EMI

The total amount paid to the lender each month."] Text[153]=["","Principal

The part of the monthly payment that reduces the outstanding principal balance of the loan."] Text[154]=["","Interest

The monthly amount that is charged for borrowing money from the lender."] Text[155]=["","Ending Balance

The amount of money remaining unpaid on the loan at the end of the month."] Text[156]=["","Cummulative Interest

The total amount charged by the lender for the priviledge of borrowing their money."] /* Fitch Ratings */ Text[160]=["","Ratings Schedule

Investment Grade

AAA : the best quality banks, reliable and stable
AA : quality banks, a bit higher risk than AAA
A : economic situation can affect finance
BBB : medium class banks, which are satisfactory at the moment
BB : more prone to changes in the economy
B : financial situation varies noticeably
CCC : currently vulnerable and dependent on favorable economic conditions to meet its commitments
CC : highly vulnerable, very speculative bonds
C : highly vulnerable, perhaps in bankruptcy or in arrears but still continuing to pay out on obligations
D : has defaulted on obligations and Fitch believes that it will generally default on most or all obligationsNR : not publicly rated"] /* Styles */ Style[0]=["white","black","#000099","#E8E8FF","","","","","","","","","","",200,"",2,2,10,10,51,1,0,"",""] Style[14]=["white","black","#000099","#E8E8FF","","","","","","","","","","",140,"",2,2,10,10,51,1,0,"",""] Style[1]=["white","black","#52a61b","#E8E8FF","","","","","","","center","","","",350,"",2,2,10,10,"","","","",""] Style[2]=["white","black","#ff6600","#E8E8FF","","","","","","","center","","","",800,"",2,2,10,10,"","","","",""] Style[3]=["white","black","#000099","#E8E8FF","","","","","","","float","","","",200,"",2,2,10,10,"","","","",""] Style[4]=["white","black","#000099","#E8E8FF","","","","","","","fixed","","","",200,"",2,2,1,1,"","","","",""] Style[5]=["white","black","#000099","#E8E8FF","","","","","","","","sticky","","",200,"",2,2,10,10,"","","","",""] Style[6]=["white","black","#000099","#E8E8FF","","","","","","","","keep","","",200,"",2,2,10,10,"","","","",""] Style[7]=["white","black","#000099","#E8E8FF","","","","","","","","","","",200,"",2,2,40,10,"","","","",""] Style[8]=["white","black","#000099","#E8E8FF","","","","","","","","","","",200,"",2,2,10,50,"","","","",""] Style[9]=["white","black","#000099","#E8E8FF","","","","","","","","","","",200,"",2,2,10,10,51,0.5,75,"simple","gray"] Style[10]=["white","black","black","white","","","right","","Impact","cursive","center","",3,5,200,150,5,20,10,0,50,1,80,"complex","gray"] Style[11]=["white","black","#000099","#E8E8FF","","","","","","","","","","",200,"",2,2,10,10,51,0.5,45,"simple","gray"] Style[12]=["white","black","#000099","#E8E8FF","","","","","","","","","","",200,"",2,2,10,10,"","","","",""] applyCssFilter() /*

Do be aware that many of these special interest rate deals come with drawbacks for the unwary in the form of early repayment charges which may be applied if you try to end the mortgage during the period the special rate applies. Some may also have early repayment charges for several years after the end of the special rate. Borrowing money at your lenders SVR will incur no early repayment charges but you are exposed to the vagaries of the central banks interest rate policy. Borrow money from a mortgage lender and you will be charged interest for the privilege. But you can choose exactly how you are charged that interest.*/