(89)Computer Loans- Become Techno Savvy the Easier Way


I read of computer loans as a banner advert on a website. The loan provider had mentioned of easy finance options to help people purchase computers. Suddenly the dream of owning a computer became so easy to realise. It had been my insistence to purchase a branded computer and an insufficient personal income that were obstructing me from the purchase. But, now with the finance options in hand, computers from the best known companies are not far off.

Computer loans have been born out of the idea of assisting every person in the UK to have a computer of his own. It is difficult to do without computers in the present age. Whether it is a simple classroom work for kids or your own office work, almost everything demands a computer. Such is the craze of computers that people will prefer to have a computer just as people would have craved to have television in its heydays.

People desirous of purchasing computers can easily apply for computer loans. Computer loan is similar to a personal loan, as far as the terms go. Though computer loans have a long list of benefits for borrowers, the best among these is the facility of stretched payments. Payments in a computer loan are stretched over a period called the term of repayment. Had it been for a cash purchase of the computer, borrower would have to pay the price of computer immediately. Only those with enough cash to make the immediate payment would have been able to purchase computers.

However, when computers are purchased through computer loan, borrower does not have to pay to the seller through his own pockets. It is the loan provider who makes the payment instead of the borrower. However, it will appear as though the borrower is making the payment. Bargaining on price, commonly associated with cash purchases can be conducted on purchase through computer loans too. This is because the borrower has the loan proceeds with him and he has the discretion on the manner and the amount up to which he wants to use the computer loan proceeds.

The amount that one had to pay to the computer dealer will now have to be paid to the computer loan provider. The manner in which computer loan is to be amortised is an important decision. The complexity of the decision increases because of the multiplicity of options available for loan repayment. You can either make a balloon payment towards the loan or pay through instalments that accrue monthly or quarterly.

Balloon payments are advantageous for borrowers who hope to lay hands on a sizable sum in the near future. Interest charges are significantly reduced through this method. The alternative method whereby payments are to be made through periodic instalments will bring greater interest to borrower's loan, but suits people with fixed incomes.

Interest is the cost of inflation on the amount lent to borrowers. Typical interest rate on a computer loan ranges from 7.25% to 15%. APR is generally dependant on the amount of loan that is being taken and the borrowers' credit status. Yes credit history is not going to leave you even in computer loans. A good credit history is preferable to get a larger amount for computer loans at cheap rates. Loan providers who work with sub-prime borrowers may arrange good deals for the borrowers with bad credit in computer loans.

As far as the question of mode of application goes, it is easier to apply for computer loans online. Borrowers who are about to purchase computers are already too techno-savvy to be explained the online process of application. In brief, the process of online application will not require the borrower to visit lenders office. By logging onto the lenders website and filling up his details in the application form given there, the applicant can initiate the approval process.

Computer loans help boost the technological revolution by making computers more accessible.

About the author:

James Taylor holds a Master's degree in Commerce from JNU he is working as financial consultant for chance for loans.To find a personal loan,bad credit loans that best suits your needs visit

Written by: James Taylor

(90)Computer Maintenance and Improving PC Performance

Once you bring your personal computer home from the store or receive it in the mail there is no one around to offer basic personal computer maintenance tips for cleaning up and improving performance of your computer. Maintenance and cleaning up of your PC should be part of a regular routine to ensure that you don’t have any long-term problems with the computer. Unfortunately most basic computer users may not understand the mechanics of a computer or may feel intimidated with the maintenance. There are really simple steps anyone can take to ensure that your computer will continue working at the level it did when you first pulled it out of the box.

One of the first files to become acquainted with on your computer is the System Tools, located under the Start Menu, then Programs, and Accessories. The System Tools houses basic maintenance tools like Disk Defragmenter, Disk Cleanup, Backup, Scheduled Tasks, and System Information and ScanDisk on some Microsoft Windows computers. Strange that these files are located in Accessories because they really are the key to keeping your system running correctly and helping to improve performance as the computer ages.

On a regular basis you want to go to My Computer and then right click on the Local Disk (C Drive) and open up the Properties. This allows you to see how much space you are using and how much you have left to use on your computer. Under Tools in this area you can usually perform a scan of the disk. If you cannot run a disk scan from here, your Microsoft should have a disk scan available under the System Tools. It is important to run this disk scan to determine if there are any errors or problems running on your computer and the disk scan will repair those potential problems. Some experts recommend doing a thorough disk scan the first time and then a basic disk scan up to once a week to keep your computer performing at top conditions.

After this it is important to regularly perform a disk cleanup, which is located either under Properties under the C Drive, or under System Tools. Be aware that both the disk scan and the disk cleanup can take quite a bit of time and it is best to before these maintenance tools when you will not be using the computer. Set a routine with yourself like performing the disk clean up and disk scan on Saturday night while you are watching movies with your family. After a disk cleanup, it also helps to regularly perform a disk defragmentation. A computer hard drive will begin to fragment over time, which means that programs that once worked in conjunction have become separated over time and may not be in the proper place to work well on your computer. This can slow down processes or make using certain programs difficult. Using the disk defragmenter can pull together those pieces again and return things to working order.

Basic maintenance routines that will ensure your computer runs at peak performance start with simply getting rid of files you do not use. If you have old word documents, software programs you have not used in a long time, or pictures and music you are not using, delete them from your computer. Remember that once you delete them, they do not automatically disappear, but instead go to the recycle bin and it is just as important to empty the recycle bin as it is to delete old files.

Old internet files can also cause your computer to slow down. Often with a Disk Cleanup there will be an opportunity for you to get rid of temporary internet files, but you can also get rid of them on your own by going to your Temporary Internet files in Microsoft Explorer. Click on Tools then Internet Options, General Tab, Temporary Internet Files, and Delete Files. As well, take time to clean out any other temporary files you may have acquired, like downloads from the internet. Depending on the model of your computer, the temporary files could be in different locations, but most often when you go to Disk Cleanup and scan there will be an option to get rid of temporary files as well.

A lot of maintenance and pc repair work can be automated by a software utility like the PC Bug Doctor PC Bug Doctor

One of the other helpful and easy ways to maintain your computer’s performance is to always run your protection programs, use a personal firewall when accessing the computer, and always install software updates available for Microsoft and protection programs. Keeping up on regular maintenance and setting a routine for updates on the computer will ensure that your computer performs the way it was intended to when you first brought it home.
Shawn Shellenbarger

Written by: Shawn Shellenbarger

(91)Computer Monitor Buying Guide


Although a monitor makes some of the least difference in terms of your computer's speed, it can make some of the biggest differences in terms of comfort and productivity. This guide aims to give you the details you need to know to choose the best monitor for what you need it for.

LCD flap panel monitors have become all the rage, in a matter of just a few years, the old CRT monitors have nearly become obsolete, expecially on new computers. The old monitors are not bad. There is much to be liked, especially in terms of value for money, and in terms of performance. But you can't fight the change. We will focus on the LCD flat panel monitors as there is often more to be considered.

Firstly there is the connection to the computer. Older monitors utilised a VGA cable that carried the signal from the computer to the monitor. The signal that goes along there is an analogue signal and it can become slightly degraded, and is just an old technology. Many flat panel monitors support this old style, but that is usually just for backwards compatibility. The newer cable type is a digital kind which is designed to be used for LCD monitors. The performance from this newer kind is better, but if you are upgrading an old computer, make sure your computer can run that monitor.

Secondly is the screen resolution. This is how many pixels can be displayed on the monitor. The higher the resolution, the more can be fit on the screen. This means clearer images with much smoother textures, but it also means that things appear smaller as an increase in resolution does not increase the physical dimensions of the monitor. Usual nowadays is 1024 x 768 or even 1280 x 960. Computers used to have 800 x 600, but that has all but disappeared, except on very old computers or those that are not maintained properly. I run 1280 x 960 as it gives room for a lot of working space on the monitor, but with less than a 19 inch monitor, 1024 x 768 would be more suitable.

Screen refresh rate is another factor that comes into play. CRT monitors used a process of changing the pixels on the screen to show the new images, updating from top to bottom in lines, at a certain rate per second. With that old style 60MHz (60 refreshes per second) would be the minimum before the screen started to flicker. LCD monitors do not have this problem and will look fine at 60MHz.When running games a refresh rate higher than that is required, often up to 85MHz or more. Make sure the monitor you plan to use supports at least 60MHz at your desired resolution for normal use and 85MHz if you want to play games.

A specification that is new for flat panel monitors that didn't effect CRT monitors is latency. Although the refresh rate may be high, the table of little dots that make up the LCD panel take a small time to change, that change is the latency. Obviously if this latency is too high it is possible that you get shot in games before you even know it, which is no good. Latencies have improved, but only monitors claimed with 8ms latency have been really good for games. Latencies tend to be exagerated and a latency of 8ms actually averages out to 12ms. With most ratings multiply by 1.5 to get an average rating.

The actual brightness of the screen can vary from spot to spot on the screen. Certain monitors have obvious bright parts and dull parts while others are more consistent. Most have some variation, but the less, the better. Name branded monitors tend to give better results than cheaper no name brand versions.

Extras like little speakers are not worth talking about much. They have limited use and I would rather have seperate speakers and keep the monitor simple.

After considering these, you should have enough to make a good purchase decision. Remember that a little extra money spent on a monitor is a good investment, and unlike many other computer parts, upgrades are not needed that often.
About the Author

Peter Stewart is a computer enthusiast, his interest in computers and focus on practical down to earth advice inspired his two websites. - Practical buying tips - Fair and honest reviews and opinions

Written by: Peter Stewart

:(92)Computer Network Designing


Computer network designing takes into account different aspects and topics. An ideal computer network design will be based on the layout, capacity planning, and security plans.

Computer network design requires a good understanding of the topologies such as a bus, ring, star, so on. Designing a network has to follow certain rules. The set of rules governing the setup of a network is called its topology. Ethernet, today, is the most popular topology in use. It consists of computers and peripherals cabled together in specific ways. Ethernet is relatively cheaper, easy to set up and use, and faster. There are two types of Ethernet – Standard and Fast Ethernet.

To talk of the cables, you can use the twisted-pair (also known as 10BaseT) or the thin coax (also known as 10Base2) for your network cable. The choice, however, will depend on the type of network you’re setting. You can use both the types together. Twisted pair cabling is cheaper, flexible, and ideal for cabling short distances. You can use thin coax for larger networks.

A network interface card (NIC) connects the network computer to the network cabling. While some NICs are installed inside the computer others may need PCI slots. A network adapter is needed when the network is supposed to support very high speed data transfer.

The final piece you need to get through the network design is a hub. It is used to gather groups of PCs together at a central location. The type of your network and data transfer support required will again decide the type of hub the network requires.

Understanding the roles of these bits of hardware and the nature of network to be built takes you a long way in deigning the ideal computer network.

Understanding the implementation of network protocol and services design also contributes to a good computer network design. You can use other area networks besides LANs and WANs. A good knowledge about the different forms of area networks and their roles in network designing throws up better ideas for the framework.

However, the two significant elements influencing network designing are the bandwidth and latency supported by a network.

Bandwidth in computer networking means the rate at which data can travel through a network connection or interface. It is usually expressed in bytes per second (bps). Bandwidth, however, is just one element that dictates the speed of a network. Latency, the other important element of speed refers to the delays in processing different types of network data. Usually, tools such as ping and trace-route assess latency by determining the time taken by a network packet to travel from source to destination and back.

Once you have planned the budget and the various factors influencing a network design, you can think about the various template designs. You can think of a symmetric computer network, where all devices can transmit and receive data at equal rates, or an asymmetric one which can supports different proportion of data or bandwidth in different direction.

About the Author

Adrian Griffiths, write article and provide consultancy to Viper Systems

Written by: Adrian Griffiths

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