Friday, June 4, 2010

Laptop Computer

A laptop is a personal computer designed for mobile use and small and light enough to sit on a person's lap while in use. A laptop integrates most of the typical components of a desktop computer, including a display, a keyboard, a pointing device (a touchpad, also known as a trackpad, and/or a pointing stick), speakers, and often including a battery, into a single small and light unit. The rechargeable battery (if present) is charged from an AC adapter and typically stores enough energy to run the laptop for three to five hours in its initial state, depending on the configuration and power management of the computer.

Laptops are usually notebook-shaped with thicknesses between 0.7–1.5 inches (18–38 mm) and dimensions ranging from 10x8 inches (27x22cm, 13" display) to 15x11 inches (39x28cm, 17" display) and up. Modern laptops weigh 3 to 12 pounds (1.4 to 5.4 kg); older laptops were usually heavier. Most laptops are designed in the flip form factor to protect the screen and the keyboard when closed. Modern tablet laptops have a complex joint between the keyboard housing and the display, permitting the display panel to swivel and then lie flat on the keyboard housing.

Laptops were originally considered to be "a small niche market" and were thought suitable mostly for "specialized field applications" such as "the military, the Internal Revenue Service, accountants and sales representatives". But today, there are already more laptops than desktops in businesses, and laptops are becoming obligatory[clarification needed][citation needed] for student use and more popular for general use. In 2008 and 2009 more laptops than desktops were sold in the US

Email Hosting

An e-mail hosting service is an Internet hosting service that runs e-mail servers.

E-mail hosting services usually offer premium e-mail at a cost as opposed to advertising supported free e-mail or free webmail. E-mail hosting services thus differ from typical end-user e-mail providers such as webmail sites. They cater mostly to demanding e-mail users and Small and Mid Size (SME) businesses, while larger enterprises usually run their own e-mail hosting service. E-mail hosting providers allow for premium e-mail services along with custom configurations and large number of accounts. In addition, hosting providers manage user's own domain name, including any e-mail authentication scheme that the domain owner wishes to enforce in order to convey the meaning that using a specific domain name identifies and qualifies e-mail senders.

Most e-mail hosting providers offer advanced premium e-mail solutions hosted on dedicated custom e-mail platforms. The technology and offerings of different e-mail hosting providers can therefore vary with different needs. E-mail offered by most webhosting companies is usually more basic standardized POP3 based e-mail and webmail based on open source webmail applications like Horde or SquirrelMail. Almost all webhosting providers offer standard basic e-mail while not all e-mail hosting providers offer webhosting.

Videoconferencing

Videoconferencing uses telecommunications of audio and video to bring people at different sites together for a meeting. This can be as simple as a conversation between two people in private offices (point-to-point) or involve several sites (multi-point) with more than one person in large rooms at different sites. Besides the audio and visual transmission of meeting activities, videoconferencing can be used to share documents, computer-displayed information, and whiteboards.

Simple analog videoconferences could be established as early as the invention of the television. Such videoconferencing systems usually consisted of two closed-circuit television systems connected via cable. An example of that was the German Reich Postzentralamt (Post Office) network set up in Berlin and several other cities from 1936 to 1940.

During the first manned space flights, NASA used two radiofrequency (UHF or VHF) links, one in each direction. TV channels routinely use this kind of videoconferencing when reporting from distant locations, for instance. Then mobile links to satellites using specially equipped trucks became rather common.

This technique was very expensive, though, and could not be used for applications such as telemedicine, distance education, and business meetings. Attempts at using normal telephony networks to transmit slow-scan video, such as the first systems developed by AT&T, failed mostly due to the poor picture quality and the lack of efficient video compression techniques. The greater 1 MHz bandwidth and 6 Mbit/s bit rate of Picturephone in the 1970s also did not cause the service to prosper.

It was only in the 1980s that digital telephony transmission networks became possible, such as ISDN, assuring a minimum bit rate (usually 128 kilobits/s) for compressed video and audio transmission. The first dedicated systems started to appear in the market as ISDN networks were expanding throughout the world. Video teleconference systems throughout the 1990s rapidly evolved from highly expensive proprietary equipment, software and network requirements to standards based technology that is readily available to the general public at a reasonable cost.

Finally, in the 1990s, IP (Internet Protocol) based videoconferencing became possible, and more efficient video compression technologies were developed, permitting desktop, or personal computer (PC)-based videoconferencing. In 1992 CU-SeeMe was developed at Cornell by Tim Dorcey et al. In the 2000s, VTC finally arrived for the masses via free services, web plugins and on-line telecommunication programs which brought cheap, albeit low-quality, videoconferencing to almost every home with an Internet connection.

Credit counseling

Credit counseling (known in the United Kingdom as debt counseling) is a process offering education to consumers about how to avoid incurring debts that cannot be repaid through establishing an effective Debt Management Plan and Budget. Credit counseling is usually less typified by functions of credit education or the psychology of spending habits, rather credit counseling establishes a planned method of debt relief, typically through a Debt Management Plan.

Credit counseling often involves negotiating with creditors to establish a debt management plan (DMP) for a consumer. A DMP may help the debtor repay his or her debt by working out a repayment plan with the creditor. DMPs, set up by credit counselors, usually offer reduced payments, fees and interest rates to the client. Credit counselors refer to the terms dictated by the creditors to determine payments or interest reductions offered to consumers in a debt management plan.

Credit (finance)

Credit is the provision of resources (such as granting a loan) by one party to another party where that second party does not reimburse the first party immediately, thereby generating a debt, and instead arranges either to repay or return those resources (or material(s) of equal value) at a later date. It is any form of deferred payment. The first party is called a creditor, also known as a lender, while the second party is called a debtor, also known as a borrower.

Movements of financial capital are normally dependent on either credit or equity transfers. Credit is in turn dependent on the reputation or creditworthiness of the entity which takes responsibility for the funds.

Credit need not necessarily be based on formal monetary systems. The credit concept can be applied in barter economies based on the direct exchange of goods and services, and some would go so far as to suggest that the true nature of money is best described as a representation of the credit-debt relationships that exist in society (Ingham 2004 p.12-19).

Credit is denominated by a unit of account. Unlike money (by a strict definition), credit itself cannot act as a unit of account. However, many forms of credit can readily act as a medium of exchange. As such, various forms of credit are frequently referred to as money and are included in estimates of the money supply.

Credit is also traded in the market. The purest form is the credit default swap market, which is essentially a traded market in credit insurance. A credit default swap represents the price at which two parties exchange this risk – the protection "seller" takes the risk of default of the credit in return for a payment, commonly denoted in basis points (one basis point is 1/100 of a percent) of the notional amount to be referenced, while the protection "buyer" pays this premium and in the case of default of the underlying (a loan, bond or other receivable), delivers this receivable to the protection seller and receives from the seller the par amount (that is, is made whole).

Online Banking

The precursor for the modern home online banking services were the distance banking services over electronic media from the early '80s. The term online became popular in the late '80s and referred to the use of a terminal, keyboard and TV (or monitor) to access the banking system using a phone line. ‘Home banking’ can also refer to the use of a numeric keypad to send tones down a phone line with instructions to the bank. Online services started in New York in 1981 when four of the city’s major banks (Citibank, Chase Manhattan, Chemical and Manufacturers Hanover) offered home banking services using the videotex system. Because of the commercial failure of videotex these banking services never became popular except in France where the use of videotex (Minitel) was subsidised by the telecom provider and the UK, where the Prestel system was used.

The UK’s first home online banking services was set up by Bank of Scotland for customers of the Nottingham Building Society (NBS) in 1983 ("History of the Nottingham". http://www.thenottingham.com/main.asp?p=1710. Retrieved 2007-12-14. ). The system used was based on the UK's Prestel system and used a computer, such as the BBC Micro, or keyboard (Tandata Td1400) connected to the telephone system and television set. The system (known as 'Homelink') allowed on-line viewing of statements, bank transfers and bill payments. In order to make bank transfers and bill payments, a written instruction giving details of the intended recipient had to be sent to the NBS who set the details up on the Homelink system. Typical recipients were gas, electricity and telephone companies and accounts with other banks. Details of payments to be made were input into the NBS system by the account holder via Prestel. A cheque was then sent by NBS to the payee and an advice giving details of the payment was sent to the account holder. BACS was later used to transfer the payment directly.

Stanford Federal Credit Union was the first financial institution to offer online internet banking services to all of its members in Oct, 1994.

Today, many banks are internet only banks. Unlike their predecessors, these internet only banks do not maintain brick and mortar bank branches. Instead, they typically differentiate themselves by offering better interest rates and online banking features.

Satellite television

The first satellite television signal was relayed from Europe to the Telstar satellite over North America in 1962. The first geosynchronous communication satellite, Syncom 2, was launched in 1963. The world's first commercial communication satellite, called Intelsat I (nicknamed Early Bird), was launched into synchronous orbit on April 6, 1965. The first national network of satellite television, called Orbita, was created in Soviet Union in 1967, and was based on the principle of using the highly elliptical Molniya satellite for re-broadcasting and delivering of TV signal to ground downlink stations. The first domestic North American satellite to carry television was Canada’s geostationary Anik 1, which was launched in 1972.[1] ATS-6, the world's first experimental educational and Direct Broadcast Satellite, was launched in 1974. The first Soviet geostationary satellite to carry Direct-To-Home television, called Ekran, was launched in 1976.

Satellite

In the context of spaceflight, a satellite is an object which has been placed into orbit by human endeavor. Such objects are sometimes called artificial satellites to distinguish them from natural satellites such as the Moon.

The first artificial satellite, Sputnik 1, was launched by the Soviet Union in 1957. By 2010 thousands of satellites have been launched into orbit around the Earth. These originate from more than 50 countries and have used the satellite launching capabilities of ten nations. A few hundred satellites are currently operational, whereas thousands of unused satellites and satellite fragments orbit the Earth as space debris. A few space probes have been placed into orbit around other bodies and become artificial satellites to the Moon, Venus, Mars, Jupiter and Saturn.

Satellites are used for a large number of purposes. Common types include military and civilian Earth observation satellites, communications satellites, navigation satellites, weather satellites, and research satellites. Space stations and human spacecraft in orbit are also satellites. Satellite orbits vary greatly, depending on the purpose of the satellite, and are classified in a number of ways. Well-known (overlapping) classes include low Earth orbit, polar orbit, and geostationary orbit.

Satellites are usually semi-independent computer-controlled systems. Satellite subsystems attend many tasks, such as power generation, thermal control, telemetry, attitude control and orbit control.

Web hosting service

A web hosting service is a type of Internet hosting service that allows individuals and organizations to make their own website accessible via the World Wide Web. Web hosts are companies that provide space on a server they own or lease for use by their clients as well as providing Internet connectivity, typically in a data center. Web hosts can also provide data center space and connectivity to the Internet for servers they do not own to be located in their data center, called colocation.

The scope of hosting services varies widely. The most basic is web page and small-scale file hosting, where files can be uploaded via File Transfer Protocol (FTP) or a Web interface. The files are usually delivered to the Web "as is" or with little processing. Many Internet service providers (ISPs) offer this service free to their subscribers. People can also obtain Web page hosting from other, alternative service providers. Personal web site hosting is typically free, advertisement-sponsored, or inexpensive. Business web site hosting often has a higher expense.

Single page hosting is generally sufficient only for personal web pages. A complex site calls for a more comprehensive package that provides database support and application development platforms (e.g. PHP, Java, Ruby on Rails, ColdFusion, and ASP.NET). These facilities allow the customers to write or install scripts for applications like forums and content management. For e-commerce, SSL is also highly recommended.

The host may also provide an interface or control panel for managing the Web server and installing scripts as well as other services like e-mail. Some hosts specialize in certain software or services (e.g. e-commerce). They are commonly used by larger companies to outsource network infrastructure to a hosting company.