How expensive is an online broker? Here are some aspects to consider before you sign one on.

[via rediff.com]

USA Beaches

1. Waikiki, HI 6. Daytona, FL 2. Key West, FL 7. Kaanapali, HI 3. Miami, FL 8. Panama City, FL 4. Tampa Bay, FL 9. Newport, CA 5. Santa Barbara, CA 10. Myrtle Beach, SC 1. Cleanliness 47% 2. Scenery Panorama 46% 3. Climate 34% 4. Water Temperature 23% 5. Romance 22% 1. Having a party or BBQ 44% 2. Building sandcastles 29% 3. Having a cocktail 32% 4. Having "intimate" relations 18% 5. Flying a kite 13%

Hill Stations

# Andhra PradeshAraku Valley

Himachal Pradesh
# Barog
# Bir-Biling
# Chail
# Chitkul
# Dalhousie
# Dharamshala
# Kalpa
# Kasauli
# Kasol
# Manali
# Narkanda
# Palampur
# Sarahan
# Shilon Bagh Resort
# Solang Valley

Jammu and Kashmir
# Hemis
# Leh
# Shey Valley
# Suru Valley
# Tsomoriri Lake

Karnataka
# B.R.Hills
# Coorg

Kerala
# Munnar

Maharashtra
# Lonavala
# Mahabaleshwar
# Panchgani

Sikkim
# Rumtek Monastery

Tamil Nadu
# Ooty

Uttaranchal
# Almora
# Auli
# Binsar
# Corbett
# Gangotri
# Harsil
# Kasauni
# Kunjakharak
# Landour
# Marchula
# Mukteshwar
# Nainital
# Ranikhet
# Saat Taal

Beach attractions in India

Beach attractions in India

Beach Fun
# Andaman and Nicobar IslandsCellular Jail
# Havelock
# Port Blair
# Ross Island
# Wandoor

Andhra Pradesh
# Vizag

Goa
# Goa

Gujarat
# Daman
# Diu

Kerala
# Alappuzha

Lakshadweep
# Lakshadweep

Maharashtra
# Kihim
# Murud

Orissa
# Puri 

Research Rates Begin by checking out current interest rates and rate movements when shopping for a mortgage. Mortgage rates generally rise and fall along with Wall Street securities and generally reflect the overall direction of interest rates. By keeping an eye on mortgage market trends and key economic indicators, a borrower has a better chance of obtaining interest rate savings. • Search Todays Rates • 30 Day Rate Trends What is APR? A tool used to compare loans across different lenders is the Annual Percentage Rate (APR). The Federal Truth in Lending law requires mortgage companies to disclose the APR when they advertise a rate. It is designed to represent the true cost of the loan to the borrower, expressed in the form of a yearly rate. The purpose is to prevent lenders from hiding fees and upfront costs behind low advertised interest rates. • More about APR • Prequalify Online Meeting with a Lender You may prefer to meet with the mortgage company before house hunting to determine in advance how much you can afford and the mortgage amount for which you can qualify. This step is called pre-qualification and can save you time and trouble by making certain you are looking in the correct price range. • More about meeting a lender Lock in Your Rate A lock in, also called a rate lock or rate commitment, is a lender's promise to hold a certain interest rate and a certain number of points for you, usually for a specified period of time, while your loan application is processed. Depending upon the lender, you may be able to lock in the interest rate and number of points that you will be charged when you file your application, during processing of the loan, when the loan is approved, or later. • More about Rate Locks