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Tuesday, May 29, 2012

Do you really need a credit card?


Lately a lot of consumers have been asking whether they really need to carry a credit card. It seems just as easy to get by on cash, and all the identity theft and shady lender practices making headlines aren't reassuring. Also, the outcry against big banks and practices like debit card fees and swipe fees put off consumers who felt taken advantage of. By Jill Krasny | Business Insider



We tapped two of our favorite credit experts, Bethy Hardeman of CreditKarma.com and John Ulzheimer of SmartCredit.com, to weigh in on the pros and cons of carrying plastic. Do you really need a credit card? Here's what they had to say: Why you need a card

Travel arrangements. "It's hard to travel with cash all the time," said Ulzheimer. Reserving a room a car rental are tough enough with one and using a debit card instead can be a recipe for theft. There's also a certain kind of relief that comes with knowing you can travel anywhere in the world and still be protected if there's an emergency. 

Protection and security. You'll get a lot more security with a credit card than you will with cash or a debit card. Once the cash is gone, it's gone. And debit cards, which are linked to your banking account, can easily help a crook to your wallet if the card is lost or stolen. As Ulzheimer pointed out, with a credit card, all it takes is a simple phone call to prevent further loss and identity theft.

Financing a home or a car. It's getting tougher and tougher to take out a mortgage these days, and like it or not, lenders will be checking your credit report. If you haven't got a card, there won't be a credit history to speak of, and you'll have a much harder time proving to lenders you're responsible with money.
Why you don't need a card

 
Because you think you should have it. "You shouldn't get one just to get one," said Hardeman, who added that "it's worse to get an auto loan just to get an auto loan. Taking out a lot of debt, even if you have the cash to pay out of pocketm isn't a good idea because you'll likely be paying interest on it."

You're not planning to buy a home (or a car). "It's really up for the individual to decide," Hardeman said. "But if at some point you're going to need these things, the credit card is the best way to do it."

You impulse shop. "Clearly, if you're irresponsible or undisciplined, you can find yourself getting into a lot of debt quickly unless you can write a big fat check," said Ulzheimer, but "there comes a point in your life where you do need the convenience of plastic."





Monday, May 28, 2012

Most dangerous websites' list


Most dangerous websites' list shows porn sites surprisingly safe
























Washington, May 25 (ANI): Pornographic websites have ceased to be the 'most dangerous' places on web for picking up viruses.
The Internet Security Threat report for 2011, released by security Software Company Symantec (SYMC) ranks pornographic sites at 9th as the riskiest to visit.
One of the most fascinating part of the report is in the review of malicious code trends, which lists the 10 most dangerous categories of Websites.
These categories of sites don't reflect the total number of infected sites; rather, they represent the kind of sites that tend to be the most infected as per URL.
The list of sites in order of danger is:
Blogs and Web communications
Hosting and personal hosted sites
Business and economy
Education and reference
Technology
Entertainment and music
Automotive
Health and medicine
Porn
According to Symantec, 20 percent of all blog and Web communication sites are infected with malicious code, 15 percent of hosting sites are infected, and 10 percent of business and economy sites.
Surprisingly, only 2 percent of pornographic sites are infected.
Conventional wisdom would flip that list upside-down.
Symantec's list is a reminder that Macs are no longer immune to security worries.
"The first known Mac-based bot network emerged in 2009 and 2011 saw a number of new threats emerge for Mac OS X, including trojans like MacDefender, a fake anti-virus program," the CBS News quoted Symantec as saying.
"Mac users are exposed to sites that push trojans by means of SEO poisoning and social networking. In May 2011, Symantec found a malware kit for Mac (Weyland-Yutani BOT) -- the first of its kind to attack the Mac OS X platform.
"In addition, many attack tools have become cross-platform, exploiting Java exploits whether they are on Macs or Windows PCs," the company added. (ANI)

Wednesday, May 23, 2012

Bullet train may connect Chennai-Bangalore


Bullet train may connect Mysore-Bangalore in 30 mins

A detailed project report for the proposed high-speed bullet train from Chennai to Mysore via Bangalore will be ready by December.

According to a Karnataka’s Large and Medium Industries Minister Murugesh Nirani, a detailed project report for the proposed high-speed bullet train from Chennai to Mysore via Bangalore will be ready by December.
The project would cost approximately Rs. 150 crore per kilometer, The Hindu reported earlier this month. The train, which will have a maximum speed of 350 kmph could connect Mysore from Bangalore in less than 30 minutes, the daily added. 

Monday, May 21, 2012

Now, an Apple iCar?

Would you buy an Apple iCar?


An Apple board member has revealed that Steve Jobs had dreamed of creating an iCar before his sad demise in October last year after a prolonged battle with pancreatic cancer.Speaking at a Fast Company conference, Mickey Drexler stated that the car industry is a tragedy in America and Steve's dream was to design an iCar which would give the automotive industry the shake-up it required.Italy based auto designer Liviu Tudoran has taken cues from the Apple products and designed a concept car called iMove for the year 2020.

An Apple board member has revealed that Steve Jobs had dreamed of creating an iCar before his sad demise in October last year after a prolonged battle with pancreatic cancer.Speaking at a Fast Company conference, Mickey Drexler stated that the car industry is a tragedy in America and Steve's dream was to design an iCar which would give the automotive industry the shake-up it required.
Quite a fascinating insight, but don't start saving your coins just yet.
Drexler, who is also CEO of fashion brand J. Crew, said that Jobs never did design it and it was just another great idea from the visionary, nevertheless reckoning if indeed it would had been a reality, the fantasy vehicle would've probably been 50 per cent of the total global market.
    Dexter also stated that he admires current Apple boss Tim Cook but if given an option he wouldn't want the Apple top honcho's job, and he made a good point stating that with visionary co-founder Jobs sadly no more the pressure on Cook to keep Apple trendy and profitable is a very huge task.




Steve's iCar would be loaded with features like uni-body aluminum presumably, with a touchscreen panel instead of a steering wheel. As long as sat-nav didn’t control it he added a bit cheekily.
Meanwhile, Italy based auto designer Liviu Tudoran has taken cues from the Apple products and designed a concept car called iMove for the year 2020.
iMove will be electric and will feature the same design lines like all the latest Apple products.






Most of the car body is covered with transparent materials, so that even under the roof the driver get a cabriolet feeling.
 








 iMove will be able to acommodate three passengers and will have a ground-breaking luggage space.The concept offers various possibilities for customization, thus enabling the owners to change the car’s appliance according to its own preferences.

Monday, May 14, 2012

NASA's Spitzer detects alien 'Super-Earth'



Washington, May 9 (IANS) NASA's Spitzer Space Telescope has detected light emanating from a "super-Earth" planet beyond our solar system for the first time.
"Spitzer has amazed us yet again," said Bill Danchi, Spitzer program scientist at NASA Headquarters here. "The spacecraft is pioneering the study of atmospheres of distant planets and paving the way for NASA's upcoming James Webb Space Telescope to apply a similar technique on potentially habitable planets."
The planet, called 55 Cancri e, falls into a class of planets termed super Earths, which are more massive than our home world but lighter than giant planets like Neptune. The planet is about twice as big and eight times as massive as Earth. It orbits a bright star, called 55 Cancri, in a mere 18 hours, according to a NASA statement.
Previously, Spitzer and other telescopes were able to study the planet by analyzing how the light from 55 Cancri changed as the planet passed in front of the star. In the new study, Spitzer measured how much infrared light comes from the planet itself.
The results reveal the planet is likely dark, and its sun-facing side is more than 2,000 Kelvin (3,140 degrees Fahrenheit), hot enough to melt metal. The new information is consistent with a prior theory that 55 Cancri e is a water world: a rocky core surrounded by a layer of water in a "supercritical" state where it is both liquid and gas, and topped by a blanket of steam.
"It could be very similar to Neptune, if you pulled Neptune in toward our sun and watched its atmosphere boil away," said Michael Gillon of Universite de Liege in Belgium, principal investigator of the research, which appears in the Astrophysical Journal. Brice-Olivier Demory of the Massachusetts Institute of Technology, Cambridge, led the study.
The 55 Cancri system is relatively close to Earth, at 41 light-years away. It has five planets, with 55 Cancri e the closest to the star and tidally locked, so one side always faces the star. Spitzer discovered the sun-facing side is extremely hot, indicating the planet probably does not have a substantial atmosphere to carry the sun's heat to the unlit side. 

Tuesday, May 8, 2012

Killer Car Apps For 2013


Automakers are rolling out cutting-edge high-tech features and migrating last year’s hot new items more broadly across their model lines with increasing frequency these days. With the playing field being relatively level among most comparable models with regard to performance, comfort and quality, manufacturers are leveraging the latest technology to help their vehicles stand out in a crowded market and to help give motorists a reason to trade in their existing rides for the latest models.

Backup Collision Intervention


Infiniti takes the now commonplace backup camera to new levels of complexity in its 2013 JX35 luxury crossover SUV. First, an Around-View Monitor with Moving Object Detection shows both a 360-degree image of the area outside the vehicle and delivers visual and audible warnings if the system “sees” moving objects crossing within the front or rear views when pulling out of a parking space or backing up. A new Backup


The new Infiniti IPL G Convertible made its global debut today at the Los Angeles Auto Show. With its advanced VQ37HR 3.7-litre V6 engine, the 2013 IPL G Convertible will become the second model in the Infiniti Performance Line lineup when it goes on sale at Infiniti Canada retailers in spring 2012 (CNW Group/Nissan Canada Inc.)

Magic Vision Control

The all-new Mercedes-Benz SL has a super-innovative windshield wiper system named Magic Vision Control, which, instead of shooting water from the front hood deck, shoots warm water out of mini-jets built into the windshield-wipers.

This stops excess water from overshooting and missing the windshield and it also stops the driver from being temporarily blind as traditional jets shoot out windshield washer solution. The Magic Vision Control System is programed to behave differently under different situations.For instance in winter summer or depending on whether the cabriolet top is up or down, it will behave differently. The system automagically varies the amount of water ...


2013 Mercedes-Benz SL Roadster





Front Center-Mounted Airbag

The redesigned 2013 Buick Enclave, Chevrolet Traverse and GMC Acadia seven-passenger crossover SUVs include the industry’s first center-mounted airbag. The tubular-shaped restraint deploys between the front seats and is designed to help protect the driver from injury in collisions on the passenger’s side when he or she is the only occupant. It’s also expected to provide additional protection to the driver and front ...


Ford Escape SUV features a segment-first hands-free power liftgate that opens with a simple kicking gesture under the rear bumper and without the need to fumble for a key.







Inductive Charging
In addition to added ways to connect with mobile phones and other devices, at least one car is able to keep such electronics charged without having to plug them in. Available on the 2013 Dodge Dart as a Mopar dealer-installed accessory is a new inductive wireless charging system allows driver to simply set electronic devices in a specified charging zone to keep the juice flowing.


Pushbutton Gear Selector
With many automatic transmissions now being electronically controlled, the old analog shift lever is fast becoming superfluous and is making way to alternative means of putting a car in gear. To that end, the midsize 2013 Lincoln MKX brings back the pushbutton gear selector – a feature the industry hasn’t seen since the early 1960’s. This new twist on an old concept frees up center console space by providing buttons to engage park, neutral, reverse and forward gears. Similarly, the 2013 Ram 1500 full-size pickup truck is the first vehicle this side of a Jaguar to offer a dial-in gear selector instead of a shift lever.

Tactile-Warning Safety Seat
The 2013 Cadillac XTS full-size luxury sedan affords a set-of-the-pants approach to accident avoidance with its new Safety Alert Seat that engages pulse patterns on the left or right side of the cushion when the car i, say, drifting beyond highway markers or when it’s in close proximity to other cars or obstacles while parking. Vibrations on both sides of the cushion would alert the driver to threats from the front or rear, such as when the car is coming up too quickly on traffic ahead. The system works in tandem with other visual alerts, and General Motors says its research demonstrates it can quickly and accurately focus the driver’s attention to the direction of impending hazards. 

The all-new Cadillac XTS will be the industry’s first car to feature directional tactile sensation to warn drivers of potential crash threats.







Text Messaging Assistant
With distracted driving now being a major cause of accidents, and cities/states banning use of handheld devices, automakers are looking at ways to help drivers remain connected, but as safely as possible. To that end, Nissan is debuting a Hands-Free Text Messaging Assistant as part of the new NissanConnect smartphone connectivity system in the 2013 Altima. The system will read text messages aloud to users and enable them to respond, either by voice command or via a steering wheel-mounted button that sends preset text like “driving, can’t text,” “on my way” or “running late.” 
'Zero Gravity' Seats
As anyone who drives long distances can attest, sitting in a comfortable driver’s seat can make the difference between an enjoyable and intolerable journey.To help reduce fatigue on road trips and grueling commutes, Nissan is introducing so-called zero-gravity seats on its 2013 midsize Altima sedan. With a design based on posture research from the National Aeronautics and Space Administration, the new seats utilize a unique articulated seat shape with continuous support from the pelvis to the chest and are said to help reduce muscular and spinal loads, and improve blood flow, thus reducing fatigue.








Monday, May 7, 2012

Sleeping more than 8 hours a night may help you stay slim


Melbourne, May 1 (ANI): Adding a few hours sleep to your night may prevent you from gaining weight.
A new study has found that sleeping more than nine hours a night appears to suppress genetic factors that lead to weight gain.
In contrast, getting too little sleep seems to have the opposite effect.
Previous research has shown an association between poor sleep and obesity, but the new findings reveal a complex interaction between sleep and genetic factors linked to body weight.
Scientists made the discovery after studying 1088 pairs of identical and non-identical twins.
Twin studies help researchers unravel genetic and environmental influences. Only identical twins share the same genes, and are therefore subject to the same genetic effects, so differences between them are likely to be due to environmental factors.
The study found heritability of body mass index (BMI) - a measurement relating weight and height - was twice as high for short than for long sleepers.
For twins sleeping less than seven hours a night, genetic factors accounted for 70 per cent of differences in BMI. In twins averaging more than nine hours' sleep, only 32 per cent of weight variations could be attributed to genes.
''The results suggest that shorter sleep provides a more permissive environment for the expression of obesity related genes," WAtoday quoted Nathaniel Watson, from the University of Washington, who led the US study, as saying.
''Or it may be that extended sleep is protective by suppressing expression of obesity genes," he stated.
The scientists suggested hectic modern western lifestyles might contribute to obesity.
''Modern society with its ubiquitous technology often can cause misalignment between sleep need and sleep actualisation. This frequently has adverse consequences for cognitive (mental) function and metabolic, cardiovascular, and immunologic health," they wrote.
''Indeed, over the past century habitual sleep duration has dropped 1.5 hours per night and since 2001 the percentage of US adults getting at least eight hours of sleep per night on weeknights has fallen from 38 per cent to 27 per cent.
''Evidence is mounting that chronically reduced sleep times are associated with obesity," they added.
Sleep may influence weight by affecting hormones, glucose metabolism and inflammation, they said.
Some studies have associated long sleep duration with heart disease, insulin resistence (a precursor to diabetes) and early death.
''We did not observe this in our sample, but our sample is much younger than those used in studies that established these adverse associations,'' the researchers noted.
The findings were published on Monday in the journal, Sleep. (ANI)

Thursday, May 3, 2012

How to Fall Asleep Instantly


Sleeping problems  is among the most common of contemporary healthcare issues.
It seems that nearly everybody, from teenagers to the aged, tends to suffer from sleep-related problems. While there are plenty of sleeping aids in the form of prescription medicines, it is always better to seek natural, safer alternatives. This means using simple techniques to fall asleep instantly without undertaking risk of addiction caused by common, sleep-inducing chemical formulations.



Understand Why Counting Sheep Makes Sense


Among the oldest and perhaps, the most controversial and debated of natural sleeping aids is the theory of Counting Sheep. There is nothing special about sheep and visualizing or counting them doesn’t turn you into a freak of any sorts. The idea behind this theory is highly rational.
When psychologists started advocating the principle of Counting Sheep to sleep better what they meant was using it as a tool to disengage your mind. When you are lying in bed, concentrating upon counting sheep, you are essentially diverting your mind from other worldly worries.
This allows your mind to achieve a sense of superficial relaxation. Though this kind of relaxation is short-lived, it helps in falling asleep quicker. You can count any animal or anything that appeals to you. Just do the counting slowly and give at least a week for this method to work.

Declutter Your Mind with Writing

How to Fall Asleep Instantly
Most people struggle to fall asleep because their mind is overwhelmed with thoughts about how their day went or their ongoing struggles. To vent such feelings before going to bed, try to write them in a diary. This can be your nightly journal that you can maintain like a personal, summarized version of your daily life.

Calm Your Mind by Boring It

Rather than listening to loud music or watching provocative TV programs, it is better to do something boring. This includes reading the newspaper. This idea is to engage your mind with something that doesn’t stimulate it much. The more bored your mind gets as the night approaches, better are your chances of falling asleep faster.

Stick to a Routine to Fall Asleep Quickly

Our body follows an inherent day-night mechanism. This is often referred to as the Body Clock. In accordance with this regimen, our hormones are released and our energy levels are regulated throughout the day. To ensure that your body clock is well attuned towards helping you fall asleep, stick to daily routine. This includes a fixed time to sleep and wake-up with a variation of not more than 45 minutes for each.

Relax Psychologically with Yoga

Contrary to popular belief, meditation and yoga can be done at night too. Breathing exercises that help you be calmer are recommended when seated on your bed. Try to learn some yoga poses that help to reduce your anxiety levels. The less anxious your mind, greater are the chances of you falling asleep quickly.

Relax Physically with Warm Baths

Apart from psychological relaxation, you need to combine some form of physical relaxation. For this, taking bath with lukewarm is recommended. This helps to soothe the tired muscles, inducing a sense of relief. Our muscles get tense when we are stressed. As the muscles relax, our body re-discovers its unstressed, normal mode that helps to sleep faster. If taking warm baths doesn’t interest you, try to invest in a massage chair. A few minutes spent on the chair will help your muscles detangle themselves, helping you relax better.



How to Fall Asleep Instantly

Avoid Lazing in Daytime to Sleep Better at Night

To ensure that your body clock is not disturbed and you are not using your quota of daily sleep before night-time, don’t laze around during the daytime. Don’t take naps and stay away from habits that induce a sense of sleepiness. This includes boozing. If your brain gets to rest during the daytime, it re-balances the hormones, ensuring that the bloodstream is occupied with balancing hormones during the night-time. While this balance keeps your bodily functions in good shape, it tends to disturb the critical, night-time sleep.

Don’t Exercise Late-night

Heavy exercising increases our heart rate and blood pressure. It raises concentrations of hormones that increase our thirst and hunger—these are anti sleeping factors. Thus, don’t exercise after 9 pm. Even if you go for a night-time stroll, after dinner, keep the pace slow.

Dietary Recommendations to Fall Asleep Faster:

1. Try to reduce your intake of tea or coffee after 6 pm.

2. Stay away from sweetened desserts or beverages after dinner.

3. Drink relaxing, herbal beverages like Chamomile tea after dinner.

4. Eat more of whole grain foods that help to regulate blood sugar levels. This helps to avoid sugar spikes that often prevent us from falling asleep.

It is Not Warmness of Milk but its Ingredients that Help to Fall Sleep

Another typical remedy for falling asleep faster that has been misunderstood by many is drinking warm milk before going to bed. It is not the temperature of the milk that makes it a sleeping aid. Milk contains a very precious biochemical called Tryptophan. This is a sleep-inducing compound. Drinking milk, at least a couple of hours before going to bed, is recommended to benefit from its sleep-inducing benefits.

Develop Better Sleeping Posture

To fall asleep faster, you need to adopt a better sleeping position. This includes not using very thick pillows. Don’t sleep on your stomach. Try to position a pillow between or below your knees if you suffer from restless legs during the night. The mattress shouldn’t be too soft or hard. It should provide sufficient support to your spine.

Wednesday, May 2, 2012

5 ways to keep skin healthy this summer


Five things to keep your skin healthy this summer


Are heat boils, tanned and dull-looking skin giving you trouble this summer? Then this is what you need to do to keep them off. 


Five skincare tips to beat the summer

#1. Exfoliate
Exfoliate, and do it more often in the summers. More than the rest of the year, during summers there is an acceleration of dead skin cell accumulation. If you don’t get rid of them, your skin will look dull and dry. No matter how much lotion or anything else you use, you won’t have glowing skin if you do not exfoliate. Choose a light scrub for your face and body. Or make one at home using some oatmeal and milk or gram flour and yoghurt.

#2. Stay hydrated
All the heat and sweating can leave your body dehydrated and your skin dry. So drinking water and liquids at regular intervals becomes a must for soft, moisturised skin. It’s best to stick to water, green tea and fresh fruit juices (sans sugar), buttermilk and coconut water and the kind. Stay away from aerated drinks, they only do further damage to your skin.

#3. Sun protection

Try and stay indoors between peak sun time between 11 am and 3pm. Also, don’t ever step out without a generous application of your sunscreen. Dermatologist Juvitha Rasquinha stresses on sun screen with a higher SPF: “In the summer season, in addition to an increase in temperature, there in an increase in UV ray intensity that bears down upon the skin. Use of a sunscreen with SPF 30 preferably with a moisturiser is strongly recommended to prevent skin damage from the harsh sun in the summer months.” Also, cover your head, wear sunglasses… they make a difference.

#4. Cool your body

Summer is the time for heat boils and other such notorious skin conditions. A lot of the time, this has to do with body heat. Stock up on natural coolants like tender coconut water, buttermilk, or even barley water to help bring down the heat within your body. And you’ll watch those heat boils disappear.

#5. Want to remove tan? These might help:

Make a paste of one almond, 5 drops of lemon and a teaspoon of milk. Apply on face and leave it on overnight and wash with warm water the next morning. This helps even out complexion and will give you a healthy summer glow! You could also try coconut milk. Leave this too on all night. If you breakout often, then rub on tomato juice all over your face and leave for ten minutes. Do this a few times during the week to get rid of tan.

India’s most fuel efficient cars


Fuel efficiency is one of the most important parameters to sell a car in India. With fuel prices on the upswing, which are the most fuel efficient cars in India?

Tata Nano


The 2012 Tata Nano is powered by a 624cc, twin-cylinder petrol engine which produces 37 BHP and 51 Nm. The Nano returns a mileage of 25.4 kmpl.







Tata Indica e-V2 and Indigo e-CS

 Both these cars are powered by a 1400cc, CR4 diesel engine which produces 70 BHP and 140 Nm. Both the eV2 and eCS return 25 kmpl.










Chevrolet Beat 


Powered by a 936cc, diesel engine, the Beat produces 57 BHP and 150 Nm and returns a mileage of 24 kmpl.








Hyundai Verna 


The Fluidic Verna is a very fuel efficient car. The Verna 1.4 diesel returns 23.5 kmpl, while the Verna 1.6 diesel returns 22.32 kmpl.









Nissan Micra Diesel 


Powered by a 1461cc, 4-cylinder k9k diesel engine, the Micra produces 64 BHP and 160 Nm and returns a mileage of 23.08 kmpl.







Maruti Suzuki Swift Diesel 


The all new Swift is lighter and even with the same 1.3-litre diesel engine produces 74 BHP and 190 Nm. But the mileage is improved and the new Swift returns 22.9 kmpl.





Hyundai i-Gen i20 


The Fluidic i20 might retain the same engine as the old model, but the 1.4-litre diesel engine (90 BHP, 224 Nm) now produces 21.9 kmpl.







Hyundai Eon 


Powered by a 814cc, 3-cylinder petrol engine which produces 55 BHP and 76.5 Nm, the Eon returns a mileage of 21.1 kmpl.






Hyundai i10 


The i10 is powered by a 1.2-litre Kappa2 petrol engine which uses VTVT technology. This engine produces 80 BHP and 114 Nm and returns 20.3 kmpl.





Maruti Suzuki Alto K10 


The 998cc, KB-Series 3-cylinder petrol engine in the Alto develops 67 BHP and 90 Nm and returns a mileage of 20.2 kmpl.