Posted by Nirav Ashara in 5 Ways Make Money on the Internet, Top 5s on Saturday, March 28, 2009
Top 5 ways to Make Money on the Internet
5. Selling stuff on eBay





Posted by Nirav Ashara in Add RAM to your Laptop

Posted by Nirav Ashara in Download YouTube Video on Friday, March 27, 2009
Posted by Nirav Ashara in The Nano Impect on Thursday, March 26, 2009
The Nano impact
Now everyone can own a car! The family of four struggling for space in a dangerously wobbling two wheeler, on a rickety road inspried Ratan Tata to think of launching an affordable car for the masses. Ofcourse to set the thought in motion, gather together the brains, the infrastructure, the resources and meet the challenges enroute took around six long years but the big Nano moment is finally here! Intitial reports claim that the car is a cleverly designed smart piece of auto engineering, which comes with an affordable price tag and attractive looks!

Touted as next in line of "People cars"
The economics of it, the first information reports of the test drives taken, and the looks of it are factors that is getting everyone excited about the model, the make and the manufacturer. Tata operates around the USP of bringing products to the masses, making them as affordable as possible. Time will tell how the future of this move pans out. So far the initial response for the product has been mostly positive.
Safety a key factor for upgrading from a two-wheeler
It will definitely eat into the two wheeler pie, as a car offers more safety than a two wheeler and its more likely that more and more youngsters and people who have to commute long distances to work, and small families who travel within the city together will find the Nano a safer and more comfortable alternative. Designed for a family of four, though shorter by around 8% in length compared to the average small car, its is reported to have around 21% more spacious interiors.
Likely value for money for the used car buyer
People who have the option for buying a small used car to reap the benefits of affordability and fuel efficiency, could choose to buy a new car in the form of Nano. With 624 cc engine Nano is a city car that is claimed to have a fuel efficiency of around 20 km per litre. The average Km per litre range of most other small cars is between 10km and 14 km per litre within the city.
The small car segment vs Nano
Though the impact of Nano on the two wheeler segment and used car segment could be relatively high compared to its impact on the small car segment, this again depends on the performance of the car, how it stabilises and user reviews of initial performance once it hits the roads. In recent times, a host of new products have been launched in the small car segment by popular brand names like Maruti, Hyundai, Chevrolet and the like. The high selling point of the Nano at this point in time, is the extremely affordable price tag and the fact that it looks quite fetching in terms of looks and gives consumers the snazzy feel of commuting in a hi-tech “cool” car. It comes with an Engine Management System (EMS), components of which have been designed by Bosch and has safety features like the fuel injection being cut off if you reverse the car too fast and a warning light displayed on the dash board with a buzzer chime being set off in case of high engine temperature, engine misfire, over speeding etc.
However the disadvantage seems to be the long waiting period that the car buyer is likely to face in purchasing the Nano. An aspiring small car buyer who cannot afford to wait for too long, may tread with caution with regard to opting for a 100% payment for booking and then waiting for months before owning the car.
The lending scenario
The consumer perspective
All the former two wheeler aspirants who were looking to purchase one in the range of 40,000 plus will want to upgrade their choice, tilting the scales in favour of the Nano. They may take a loan for the remainder of the money. People who had been saving up a downpayment to buy a brand new small car, could decide against taking a loan ( as the popular sentiment towards debt has always been one of caution as far as Indian consumer is concerned) and opt to go with the Nano instead.
The lender perspective
Reports suggest that the two wheeler loan segment shows higher delinquency rates and hence the interest rates of two-wheeler loans generally range between 21 and 23%. As Nano aspirants are also largely expected to fall under this category, according to the credit profile of the consumer the interest range could have been anywhere between 17% and 19% or higher. The ongoing interest rates for car loans with most banks is in the range of around 14%. Also, banks who finance loans for the most affordable cars, tend to hike up the required downpayment as this particular segment of auto loans is likely to fall under the high default category.
In the wake of such a scenario, the exclusive SBI- Tata agreement for funding the purchase of Nano seems to pave way for the masses as a first step towards having access to the most affordable car in the market. The Nano car loan is available for a maximum tenure of 7 years at an interest rate that ranges between 11.75 and 12% p.a.
Through this tie-up, more than 1350 branches of State Bank of India would assist in the booking process, besides, Tata Motors passenger car dealerships nationwide, Croma and Westside stores. SBI will be managing and marketing the application form sale from 11,111 plus branches. Applicants have the option of making the full booking payment by themselves or seek financing for Nano booking from SBI with a downpayment that starts from Rs. 2.999/- onwards.
As there is a very high demand for Nano compared to the actual supply currently, bookings are being taken only for 100% payment with a possibly long waiting period. Tata is likely to face more challenges especially in catching up with the demand, as such a product will invoke mass demand hinging pretty close to the demand seen for two-wheelers. This would especially hold true if the new launch stands the test of time.
Posted by Nirav Ashara in How It Works, How Tunnel Works on Friday, March 20, 2009
How Tunnel Works
At its most basic, a tunnel is a tube hollowed through soil or stone. Constructing a tunnel, however, is one of the most compl ex challenges in the field of civil engineering. Many tunnels are considered technological masterpieces and governments have honored tunnel engineers as heroes. That's not to say, of course, that some tunnel projects haven't encountered major setbacks. The Central Artery/Tunnel Project (the "B
ig Dig") in Boston, Massachusetts was plagued by massive cost overruns, allegations of corruption, and a partial ceiling collapse that resulted in a fatality. But these challenges haven't stopped engineers from dreami
ng up even bigger and bolder ideas, such as building a Transatlantic Tunnel to connect New York with London.
In this article, we'll explore what makes tunnels such an attractive solution for railways, roadways, public utilities and telecommunications. We'll look at the defining characteristics of tunnels and examine how tunnels are built. We'll also look at the "Big Dig" in detail to understand the opportunities and challenges inherent to building a tunnel. Finally, we'll look at the future of tunnels.

Tunnel Basics
A tunnel is a horizontal passageway located underground. While erosion and other forces of nature can form tunnels, in this article we'll talk about man made tunnels -- tunnels created by the process of excavation. There are many different ways to excavate a tunnel, including manual la
bor, explosives, rapid heating and cooling, tunneling machinery or a combination of these methods.
Some structures may require excavation similar to tunnel excavation, but are not actually tunnels. Shafts, for example, are often hand-dug or dug with boring equipment. But unlike tunnels
, shafts are vertical and shorter. Often, shafts are built either as part of a tunnel project to analyze the rock or soil, or in tunnel construction to provide headings, or locations, from which a tunnel can be ex
cavated.
The diagram below shows the relationship between these underground structures in a typical mountain tunnel. The opening of the tunnel is a portal. The "roof" of the tunnel, or the top half of the tube, is thecrown. The bottom half is the invert. The basic geometry of the tunnel is a continuous arch. Because tunnels must withstand tremendous pressure from all sides, the arch is an ideal shape. In the case of a tunnel, the arch simply goes all the way around.
Tunnel engineers, like bridge engineers, must be concerned with an area of physics known as statics. Statics describes how the following forces interact to produce equilibrium on structures such as tunnels and bridges:
- Tension, which expands, or pulls on, material
- Compression, which shortens, or squeezes material
- Shearing, which causes parts of a material to slide past one another in opposite directions
- Torsion, which twists a material

In order to remain static, tunnels must be able to withstand the loads placed on them. Dead load refers to the weight of the structure itself, while live load refers to the weight of the vehicles and people that move through the tunnel.
Posted by Nirav Ashara in How do ATMs Works ?, How It Works
How Do ATMs Work?
An ATM is simply a data terminal with two input and four output devices. Like any other data terminal, the ATM has to connect to, and communicate through, a host processor. The host processor is analogous to an Internet Service Provider (ISP) in that it is the gateway through which all the various ATM networks become available to the cardholder (the person wanting the cash).

Most host processors can support either leased-line or dial-up machines. Leased-line machines connect directly to the host processor through a four-wire, point-to-point, dedicated telephone line. Dial-up ATMs connect to the host processor through a normal phone line using a modem and a toll-free number, or through an Internet service provider using a local access number dialed by modem.
Leased-line ATMs are preferred for very high-volume locations because of their thru-put capability, and dial-up ATMs are preferred for retail merchant locations where cost is a greater factor than thru-put. The initial cost for a dial-up machine is less than half that for a leased-line machine. The monthly operating costs for dial-up are only a fraction of the costs for leased-line.
The host processor may be owned by a bank or financial institution, or it may be owned by an independent service provider. Bank-owned processors normally support only bank-owned machines, whereas the independent processors support merchant-owned machines.
Posted by Nirav Ashara in Phone, Top 10 Mobile Phones, Top 10s
Posted by Nirav Ashara in Technology, Virtual Laser Keyboards on Sunday, March 1, 2009