Fixed

Order my book online from this link Hunting around the world for a safe investment option is pretty fruitless these days with interest rates ultra-low and the outlook for stocks and real estate still highly uncertain, with a strong risk to the downside. For UAE residents local currency fixed deposits are a great deal. HSBC is offering [...]

itmanagement.earthweb.com, January 05, 2009 - Authentication is the last thing on security professionals’ to-do lists these days. The big security worries are trendy things like mobile devices, data leaks, applications security and Web 2.0. Authentication is yesterday’s problem, and it’s been fixed. That’s the conventional wisdom, at least, but it’s a myth. Despite a flurr

Corporate Bonds WHAT IS IT? A bond is the legal evidence of a long-term loan made by the bondholder to the corporation that issued the bond. Typically the loan must be repaid as of a specified date, referred to as the “maturity date.” Until the bonds are redeemed (i.e., paid off by the corporation), interest at a stated rate is paid, generally every six months, by the corporation to the

When I worked as a bill collector, a common excuse among senior citizens for their inability to make their payments is that they were having a hard time due to being on a "fixed income", usually social security. At the time I didn't understand the significance of that phrase, but I suspected it was a bogus alibi. Now that my wife and I are retired and are the ones collecting social secu

Fixed post or sticky post is post that can be attached permanently  to the top of the Blogger home page . There no actual direct solution for this , so we are applying some tricks to keep the post fixed on the Blogger home page . First of all you need to create the post that is to be fixed in the text editing area of your Blogger blog. Now  publish the post as usual . Just after publish

Authorities in the Central Maluku province in eastern Indonesia have pledged to finish the reconstruction of churches and houses set ablaze during rioting last week in Masohi, the province's capital city.Riots broke out on 9 December after a teacher at an elementary school in Masohi allegedly insulted Islam during an extracurricular tutorial for sixth-graders.Reconstruction work began on Saturday,

CoolChaser had technical difficulties today (Dec 15th) with the server and some people might have seen the “Arrgh! We messed up!” message throughout the day. This has been fixed now. We apologize for the inconvenience and let us know if you are still experiencing the problem.       

It's the age-old question for home buyers in need of a mortgage: Which is better: Fixed or ARM? Historically, the answer has hinged on a homebuyer's desire to meet one of two mutually-exclusive mortgage financing goals: Get low mortgage payments for better cash flow Get long-term payment stability for better budget planning But because of government intervention and lingering questions about t

It's the age-old question for home buyers in need of a mortgage: Which is better: Fixed or ARM? Historically, the answer has hinged on a homebuyer's desire to meet one of two mutually-exclusive mortgage financing goals: Get low mortgage payments for better cash flow Get long-term payment stability for better budget planning But because of government intervention and lingering questions about t

The Post Offices of India offer a fixed deposit product, called Post Office Time Deposit. This article introduces you to the features of this scheme.

Is It Worthwhile To Save In Foreign Currency Fixed DepositWith Central Banks around the world slashing interest rates in the current economy turmoil, rates for foreign currency fixed deposit in Malaysia has also seen a drastic decline.In article #33,  I have mentioned in March 2008 that you can earn interest rate as high as 8.6% in a foreign currency fixed deposit. However, the rates today are on

What is a fixed (or term) deposit? What are its features? Where can you open an FD? Should you invest in an FD? This article explains it all.

Crystal wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free. Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]

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Something leaked… We don’t know who leaked it, but there is a plan being considered by the Treasury Department to give a boost to home sales. Basically, the plan is for the Treasury to push rates down to a target 4.5% for a 30 year fixed mortgage. From what I am reading around the

In an attempt to stimulate the housing market there is news the Treasury department is discussing the purchase of enough mortgage backed securities to drive down consumer interest rates to 4.5% for a 30yr mortgage. See Below: In an attempt to spark a housing recovery the Treasury Department is working on a plan that ultimately [...]

There’s no slowing Axis down. Here is some news of another new camera range which is due for release in the early part of 2009. The Axis M3011 and M3014 are ultra discreet fixed dome cameras measuring only 9cm (3.6 inches) in diameter and are almost completely recessed, sticking out a mere 3cm (1.1 inch) from [...]

Adjustable Width(mm): 17.5 to 28.5 inches.Weight Capacity: 9lbs. Suitable for:14''-21'' . Adjustable angle:0-15°.Rotate angle:±90°.Wall-Fixed bracket series shall combined with easy and reliable performance for pending bracket and easier angel adjusment,based on wall installed bracket principle to design new kind of bracket,make TV set and bracket more connected with each

OMG! I am so happy! For months, the search function on this blog has been fUBAR’D. No matter what you entered, it always pulled up the same freaking post and it kept refreshing repeatedly. I couldn’t see anything wrong with it, and had no clue. Enter Froyd, the awesome. (He is also from Bemidji, which [...]

"Mortgage Rates: 30-year fixed mortgage rate hits seven-week low" The national average interest rate on the benchmark 30-year, fixed-rate mortgage loan hit a seven-week low, according to Freddie Mac's survey released Thursday. The rate averaged 5.97% in the week ending Wednesday, down from last week's 6.04% and the year-ago 6.10%. The 15-year fixed-rate loan averaged 5.74%, slightly higher than

"30 year fixed mortgage rate drops: Time to re-finance?" If you are looking to take out a 30 year fixed mortgage rate you would be offered deals in the region of 5.5 percent and in some cases you may find even lower interest rate depending on your chosen lender. You would need to match a certain lending criteria to qualify for the 30 year fixed rate mortgage deal that are being offered

Interest rates have started to come down. HSBC and SBI have already lowered interest rates. Invest in if you still haven't!! There are still some banks offering 11% interest rate. For Senior... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]

High Risk Personal Loans Presents: Personal Loans: Fixed Vs. Variable Rates The issue of whether to choose fixed or variable rates on personal loans has no simple resolutions. Truth is that it all depends on your needs and on market variation expectations as there are also external variables that can affect the loan's affordability. It is important to know how these variables interact in

Emerald Cut Red Gem Hybrid Body Jewelry Fixed Ring, originally uploaded by masterbodyjeweler.Emerald cut red gem adorns this attractive fixed ring which is a unique piece from The Chain Gang's range of body jewelry. It can be designed as s vertical or horizontal ring. Made by fusing together the finest 14k Gold and Surgical Steel. Can also be custom designed!

Purple Gem Set Fixed Hybrid Body Jewelry Fixed Ring, originally uploaded by masterbodyjeweler.The Chain Gang brings you the finest body jewelry, especially fixed rings. Teardrop cut purple gem adorned fixed ring made by fusing together 14k nickel free gold and surgical steel. Completely comfortable and safe for both fresh and old piercings. 100% customer satisfaction guaranteed!

Triple Melee Clear Gem Hybrid Body Jewelry Fixed Ring, originally uploaded by masterbodyjeweler.Pink and clear gems adorn this amazing piece of body jewelry which is brought to you by The Chain Gang. Made by fusing together the finest 14k Gold and Surgical Steel and backed by our 100% customer satisfaction guarantee.

Fixed Ring Hybrid Body Jewelry Fixed Ring, originally uploaded by masterbodyjeweler.Fixed ring navel drop from The Chain Gang's range of attractive body jewelry. Made by fusing together the finest 14k nickel free Gold and Surgical Steel. 100% customer satisfaction guaranteed!

Good news for home buyers and soon to be buyers. Interest rates have dropped to make housing even more affordable. Right now 30 year fixed mortgages can be obtained at 5.5%. InterestFHA loans are going for 5.75%.It's a great time to buy when you consider that home prices are down, and interest rates are great. If you had a $200,000 home loan at 7% interest, you would be paying $1,330 per month P.I

"Choosing a Fixed or ARM Option" Author Mortgage Blog One of the most important decisions a homeowner will have to make when deciding to re-finance their home is whether they want to refinance with a fixed mortgage, an adjustable rate mortgage (ARM) or a hybrid loan which combines the two options. The names are pretty much self explanatory but basically a fixed rate mortgage is a mortgage where

Reliance Fixed Horizon Fund - XII - Series 2, is a close-ended income scheme. The primary investment objective of the scheme is to seek to generate regular returns and growth of capital by investing... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]

"Freddie Mac: 30-year fixed rate mortgage average falls" Freddie Mac said Thursday that the 30-year fixed-rate mortgage average fell from a week ago on signs of a weak economy. The average was 6.14% with an average 0.7 point for the week ending Nov. 13, down from 6.2% last week. A year ago, the average was 6.24%. "Long-term mortgage rates fell slightly this week as signs the overall economy is

Tata Fixed Horizon Fund - Series 18 Scheme A, is a close-ended debt scheme. The investment objective of the schemes is to generate income and / or capital appreciation by investing in wide range of... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]

Birla Sun Life Fixed Term Plan - Series BJ, is a close-ended income scheme. The investment objective of the scheme is to generate current income by investing in a portfolio of fixed income securities... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]

Interest rates have started to come down. Invest in if you still haven't!! We had mentioned this in our previous post. There are still some banks offering 11% interest rate. For Senior Citizens,... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]

No, really! Kanye West, who you may remember as the guy who got all upset in 2006 about Justice beating him out for one of MTV Europe's video-related awards and then freaked out in 2007 when he didn't win anything at the Vegas edition of the VMAs, only to come back this year to both ceremonies with new singles in tow, apparently went off on a tirade about the integrity of MTV's various trophy-doli

Microsoft’s scheduled batch of patches for November fixes at least four documented vulnerabilities affecting Windows, Internet Explorer and Office users. The updates apply to users running all supported versions of Windows (including Vista and Windows Server 2008) and most versions of Microsoft Office Details available here The first critical  update cover the risk of remote code exec

Fixed Maturity Plans, or FMPs, have become quite popular among conservative investors not wanting to invest in asset classes considered risky. FMPs have emerged as an alternative to fixed deposits (FDs). What is an FMP? How do FMPs work? What are the risks involved? Are there any income tax benefits? [Article inspired by a query from reader Vijaya]

Luca came to us with a history of aggression problems. He lunged at most everything, wouldn't let visitors in the house, had bit a friend of the family and could not go for a simple walk down the street....

Bharat Book.com presents a new business market report on the fixed telecom sector in the middle east. This annual report offers a wealth of information on the regulatory background and fixed-line markets in the Middle East. Subjects covered include:  Fixed line statistics and trends National telecom networks and infrastructure International submarine cables Infrastructure developmen

Interest Rates have risen over the last month. 10.75% is offered by Yes Bank for 1-2 year period. Quite a few banks are offering 10% for a span of 5 years. For Senior Citizens, there is... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]

I am starting to lose it with X Factor, how can Daniel still be in and a great talent like Austin be booted out. The show is called X Factor and not Sympathy Factor, which is what it is every time Daniel goes through, he sings like Brian Connelly. When it was down to Austin and [...]

One of the advantages of immediate fixed annuities is the feature that provides you with income for the rest of your life, for both you and your spouse, or simply to pay you for a fixed number of years. But what’s the best choice for you? Let’s consider some payouts based on annuity type and [...]

Changelog for eMule v0.49b MorphXT 11.1 Fixed and modified by Engo3k30-10-2008FIX: ban after second successful upload (official MorphXT 11.1)Changed: better USC with SlotFocusAdded: Transfer Multiple ChunksAdded: Downspeed in Feedback report (WS) from transfer-window-----------Official Fixes/Changes:ban after second successful upload: ---------------------------------------------------------------

Depreciation is one of the main reasons that Fixed Assets exists as a module.

While tax-free bonds can be a popular source of tax-free income, some retirees are not aware that they can receive a potentially higher source of cash flow from insurance companies using an immediate fixed annuity. In exchange for the premium payment, the insurance company pays the annuity owner a cash payment for life or for a [...]

Mr.ABC gifted R.3.00 lacs to his wife. His wife invested the amount in a FDR for 15 months @ 10% on 01.04.06. The interest on FDR has been clubbed in Mr.ABC for the year 06-07 and 07-08 and returns filed. The FDR matured on 30-06-07 and the proceeds were invested in Gold. The Gold was sold on 01.04.08 for Rs.3.00lacs and sale proceeds was again deposited for six months @ 10%. How long the clubbing

With proper design, unified communications can enhance the FMC wireless experience. Adapting to the demand of their mobile workforces, many businesses are beginning to implement fixed-mobile convergence (FMC) by extending their wireless networks to support voice and unified communications services in an effort to improve cost efficiency and increase employee productivity. Prior to the introductio

Still annoyed that the iPhone lacks copy and paste? Wishing you could use the landscape keyboard more often? Want Flash support (finally)? The iPhone is a marvelous device, but until it’s perfect, everybody will still have some issues with it. Now it’s true very little in life (let alone in the tech world) is perfect. Now you can make your voice heard. Networking gurus Fullsix have launched

Two weeks ago, I post about a problem with my subsidized Stafford Loan. When I went to fix my loan amount, the lady said that there was a problem with my request because I wanted to borrow the amount of my outstanding semester’s balance and $2000 for next semester. It turns out that they have to [...] Related posts:Now I Regret Not Taking School Loans I entered college not really knowing w

Hey penguins i have fixed the sidebar so its now back to normal In Other News The Author job is still waiting for more entrys you have a good chance of winning because so far there is only one entry email: authorjob@superzipper2.com for a chance to have the job Waddle On~ Superzipper       

"Fixed term memberships" refer to a membership that consists of weekly content shared via autoresponder to paid members for a specified period of time. In many ways, a fixed term membership offers great advantages over a traditional subscription membership site. Here are 7 reasons why this business model makes sense for service business owners.

Hi Blogliners: Some folks might have noticed that specific feeds were not updating recently on Bloglines, and we wanted to update you and fill you in on what’s been going on. We have figured out what the glitch has been. Over the weekend, a fix was released on Bloglines to resolve the issue. All feeds should now be updating and back to normal. If you're still experiencing problems you can repor

It just came to my attention that my site hasn’t been working in Internet Explorer this week.  I’ve made some changes and the site is now properly displaying in IE on my computer.  If anybody is having problems seeing the site please let me know.  Thanks.

Here's another guy whose opinions I'm always sure to listen to, Marc Faber, via Bloomberg. Pay special attention to the end of the interview on his outlook for the US balance sheet and how it ends. Over the years, I've observed who is consistently correct, and who's full of hot air (most brokers and politicians). Compare Faber to PM Brown today, who stated something along the lines of "we...

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As the Equity markets were on full swing last year, the good old fixed deposits and the post office schemes were loosing their sheen. But now that the markets have tumbled on their head and investors are looking for cover, it's once again time to look at these safest forms of money saving instruments. Investors should go for bank deposits or Fixed Maturity Plans (FMP) of mutual funds which

A fixed mobile convergence (FMC) service provides a single portable business communications device that can work across both fixed-line and wireless networks and reduces business communications costs.What is Fixed Mobile Convergence (FMC)Fixed mobile convergence enables workers to use their mobile devices just like an IP desk-phone. For example, employees can transfer calls, hold a call or conduct

This project provides the schematic and the parts list needed to construct a simple Supply from an input supply of 7-20 V AC or 7-30V DC. Two DC voltage outputs are available; 5V and variable from 5V upwards.Related Links More about 5v dc supply circuit7805+Mj2955 power supply 5V 5A for digital circuit.Simple 5V 1A Switching regulator by IC LM2575-5.05V 5A switching regulator for digital by LM267

Well if you were like me sitting in my house watching the Presidential debates last night you were probably surprised (ok I thought I would fall out of my seat) to hear John McCain drop a bomb...a substantial new program for homeowners. I was sitting there wondering: How many bailouts can our economy handle? What are the details of this plan? I heard New's pundits say the plan would cost $

Well if you were like me sitting in my house watching the Presidential debates last night you were probably surprised (ok I thought I would fall out of my seat) to hear John McCain drop a bomb...a substantial new program for homeowners. I was sitting there wondering: How many bailouts can our economy handle? What are the details of this plan? I heard New's pundits say the plan would cost $

Ok, this isn't a cell phone but thought our readers may find this interesting! Motorola recently announced the new VC6096 in-vehicle/fixed mount mobile computer – a rugged all-in-one solution designed to help maximize driver productivity, reduce costs and improve customer service. Built to withstand the rigors of everyday use on the road, the new VC6096 extends the breadth of Motorola&rs

Buyrun ByTroJan Game Server 'ı İndirebilirsiniz. Özellikleri:Versiyon 1298 Bug Yok Ebenezer'de Okçu Bugu Yok King_Prize_Event Fix  Çalıştığına Dahil Resimler     İçinde Gerekl Prosedür'de Vardır

The buzz word in the mutual fund industry is Fixed Maturity Plans.What are they? Fixed Maturity Plans (FMPs) can be termed as the mutual fund industry’s answer to Fixed Deposits (FDs). Over the years, FMPs have established themselves as an option for debt fund investors (i.e. risk-averse investors). In many cases, they occupy the slot that used to belong to FDs. This is not surprising given that

30-year fixed-rate mortgage average up slightly Freddie Mac said Thursday the 30-year fixed-rate mortgage average rose slightly from a week ago. The average was 6.10% with an average 0.6 point for the week ending Oct. 2, compared with 6.09% last week. A year ago, the average was 6.37%. "Average mortgage rates were nearly unchanged during the past week, leaving rates above the levels of two weeks

Interest Rates have risen over the last month. 10.75% is offered by Yes Bank for 1-2 year period. Quite a few banks are offering 10% for a span of 5 years. For Senior Citizens, there is... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]

fixed income can not be a source of revenue for investment because it is not obtainable with the remains. If they are urgent, earnings still have not changed a form of savings or investments that generate profit that can be used for the needs of their income is not fixed, such as, the cost to [...]

Consumers thinking about signing up to a long term fixed rate mortgage deal should consider the product carefully, an industry expert has advised.Read More... [Source: Article Node RSS Feed of Free Re-Print Articles - Posted by FreeAutoBlogger]

Purpose You create a master record for your new fixed asset before you create the purchase order. The purchase order is then assigned to the fixed asset. When you post the goods receipt or invoice receipt, the system automatically capitalizes the asset.Creating the asset master record before the purchase order may be problematic from an organizational perspective. You therefore have the option

Purpose We assume that you still need to withdraw materials from the warehouse for the PC that you bought in the IDES process Buying a Fixed Asset. In the integrated system, these warehouse stocks can be capitalized directly on the fixed asset. The system automatically executes the necessary transfer posting from current assets into fixed assets as a background job. Prerequisites If you

Purpose You can post fixed asset retirements integrated with accounts receivable in Financial Accounting. In this case, the net book value of the fixed asset is compared to the sales revenue on the key date of the retirement. The profit or loss is thus determined and automatically posted to the profit and loss statement. Prerequisites As we are using an "old" fixed asset in this process, it

Fixed maturity plans are debt mutual funds that have a particular time period and are an indication of the expected yield. FMPs try to match the investment horizon of the investor, with that of the fund portfolio so that all securities in the portfolio are held to maturity. FMS, like other debt funds are subject to regular capital gains tax. Even though most FMPs are close-ended, they offer an exi

I've been trumpeting the unerring investigative acumen of Greg Palast for years. In case this is all new to you, PLEASE watch this video.

Record date for dividend is 25 September 2008Reliance Mutual Fund has announced 25 September 2008 record date for declaration of dividend on the face value of Rs 10 per unit for the following mentioned schemes:Reliance Fixed Horizon Fund -IV Series- 4, Reliance Fixed Horizon Fund -IV Series- 6, Reliance Fixed Horizon Fund -IV Series-7 and Reliance Fixed Horizon Fund-IX Series –9The above mention

A mortgage allows you to achieve your dream of becoming a homeowner; but not knowing the difference between a fixed rate mortgage and an adjustable rate mortgage can get you into a lot of trouble – possibly even leading to foreclosure. There are principly 4 different types of mortgages which you should know about. [...]

To my readers:  Bill Gassett does a great job in this article of reinforcing what I have blogged and talked about for months.  Just because you hear on the TV that the Fed's have dropped member bank lending rates, this definately does not mean that mortgage rates are headed down - actually it is usually the opposite effect!  Mortgage rates tend to follow the bond markets, not the Fe

Creating and maintaining an effective and realistic budget can be the essential foundation of managing your money. Making a budget is actually fairly easy when you have a dependable income that is constant from month to month. But what do you do when your income varies from one month to the next? You might have [...]

Home equity fixed loans are credit extended to homebuyers who dismiss closing costs. Some of the equity loans offered have “Prime Minus 0.500%” rates, and are offered under many loan options. The loans give homebuyers the option to prepare for financial freedom throughout the loan agreement. Additionally, these loans offer trouble-free access to money while offering refuge [...]

Doesn’t seem to think there was even a problem If you’ve got yourself and iPhone or an iPod touch, you can now get your hands on the latest 2.1 firmware, which is meant to fix a variety of little bugs, according to the Jobs himself. Unveiled at the ‘Let’s Rock’ event on Tuesday by the Apple-Meister himself, [...]

When purchasing your new home, it is important to have all the facts that you will need readily available for the lender. Choosing which type of mortgage that you will be paying for the next 30 years is a big decision. There are two primary types of mortgages, a fixed-rate mortgage and an adjustable-rate [...]

This is another approach to making money online. For advertising sites like Adsense there is an alternative and which pays per month and not per click. This is a good addition to your income stream since for pay per click programs you won't know how much you'll earn per month.Money4Banners is a site that pays you to show their client's ads on your site. You place their ads on 3 of your site's page

The mortgage rate update report from Brad White of Northern Utah Mortgage has 30 year fixed mortgage at less than 6%. They haven't been this low in a while. It may be a good time to make that offer on the home you've been thinking about buying. 15 year fixed mortgage rates were even lower at 5.5%.

Interest Rates have risen after the increase in Rates by the RBI last week. 10% is offered by lot of banks for different term period. Comparison of Latest Resident/NRO Bank Fixed Deposit Interest... [[ This is a content summary only. Visit my website for full links, other content, and more! ]]

Many people are aspiring to retire early. The big question is: How to get a steady cash flow every month once you retire? The traditional approach is to park money in fixed deposits (FDs), and use the interest every month to take care of day-to-day expenses. But is it the right alternative? Can it sustain the cash flow till you live? This article shows that a term / fixed deposit (FD) is not the

I was up on the nightclub for about 10 minutes and Then i got the message below. I guess club penguin are blocking this cheat. (click to enlarge)

The coin glitch no longer works if you do it club penguin will kick you from the server but they won’t bann you but don’t try it anymore it is now fixed and if you still try it you might get banned..

Hi,Continuing with series of cheap and free international voip phone calls, we will today discuss about Fizzcall. Thanks to Bharat Bhuta for letting us know about Fizzcall. In the past also, we have discussed about such services offering calls at a fixed price. Actually in these services you can talk for as long as you like for a fixed price during a single call.Fizzcall Ltd is a private limited c

Fixed-rate mortgages more affordable Real Estate and Technology News for Agents, Brokers and Investors Inman News: "Rates for 30-year fixed-rate mortgages averaged 6.4 percent this week with an average 0.6 point, down from 6.47 percent a week ago and 6.67 percent a year ago, Freddie Mac said in its weekly Primary Mortgage Market Survey.The 15-year fixed-rate mortgage averaged 5.93 percent with a

People often ask how the Volt’s combustion engine will run after the first 40 EV miles have been driven. It seems that if the generator runs at a fixed RPM, the efficiency of the system will be greater than if it is allowed to vary. Since to this point GM has never publicly told [...]

The first thing to understand when comparing fixed mortgage rates is that interest rates never change and are always constant. To be completely sure you really do need to ask several lenders to quote you to be sure you are getting the best deal. When getting quotes from competing lenders it?s always hard to know who?s telling the truth and who is giving the real interest rate when they quote you.

An array was declared incorrectly. Be aware that the syntax for a fixed size buffer is different from that of an array. - Compiler Error CS0650Wrong Declarationchar CopiedString[];char[] CopiedString;Correct Declaration char[] CopiedString = new char[3]; Bad array declarator: To declare a managed array the rank specifier precedes the variable's identifier. To declare a fixed size buffer field, us

Six spray modes: Release the day's tension as the pulsating massage setting invigorates your entire body, or relax under the gentle, soothing spray. Choose between Full Body Coverage, Strong Pulsating Massage, Light Massage, Full Body / Massage Combination, Water Saver and Concentrated Center Spray modes.