LG R200

FEATURES: •12.1" wide screen display with 1280 x 800 resolutions.

•A hard drive of 160 GB comprising of 1GB Turbo memory,
•2GB main memory and super multi drive.
•Triple Hexa-band Antenna and USB ports.
•LG also provides for 128MB of ATI HD 2400 graphics.
•135 Mbps data transfer speed.
•Also enhances super multi DVD burner.
•Contains a Video card of HD 2400.

HP Pavilion dv2000 Entertainment Notebook PC series

Features:

Capacitive buttons and showroom gloss chassis aside, the HP Pavilion dv2000 offers a full suite of features which should leave most users satisfied. Billed as an entertainment system, the dual-core platform offers sufficient processing power for work and play. For those requiring even more perks, an optional discrete Nvidia GeForce Go 7200 graphics card is available on some models for greater versatility.
Connectivity-wise, the Pavilion dv2000 offers three USB 2.0, one spring-loaded ExpressCard slot and a mini-FireWire port. Networking is handled by the Ethernet and modem ports, with Bluetooth and Wi-Fi radios for wireless communication. The memory card reader can handle SD/MMC, Memory Stick, Memory Stick Pro and xD-Picture Card flash formats. External video displays can be jacked into the VGA or S-video ports, and there's also an expansion port for the optional HP xb3000 docking station (for more connectivity options and better speakers). All these ports are somewhat crammed at the flanks of the unit, which detract from an otherwise clean and sleek design. The mini remote control -- an item which is important for entertainment notebooks -- hides in the ExpressCard slot when not in use.

In order to qualify as an entertainment system, a good display is a must. The 14.1-inch transflective widescreen LCD of the Pavilion dv2000 offers a nice compromise between the portable but eye-straining 12-inch models and the comfortable but heavier 15.4-inch entertainers. The base model uses the integrated Intel Graphics Media Accelerator (GMA) 950 graphics renderer to drive the display. For those who prefer stronger video performance and light gaming capabilities, you can opt for an Nvidia GeForce Go 7200 graphics card model.

The integrated sound chip drives the Altec Lansing branded speaker bar located at the top of the keyboard. Though audio reproduction is good, there is a lack of bass that is inherent in most notebook speakers without a sub-woofer. Two headphone jacks (one of which is S/PDIF-enabled) and a microphone port are located at the front. The full-size keyboard is comfortable to use while the touchpad is a little too responsive, though there is a dedicated switch to disable the latter.

Performance And Battery Life:
Our review unit was configured with an Intel Core Duo T2400 1.83GHz processor, integrated Intel GMA 950 graphics card, 1GB of DDR2 RAM and 80GB harddisk. It received an impressive result of 217 on MobileMark 2005, which is comparable to models such as the Toshiba Satellite A100 (241) and Acer TravelMate 8204WLMi (236), both decked with faster 2.0GHz Core Duo processors. Graphically, the integrated graphics card churned out a nice score of 488 on 3DMark05, which stands almost level with the ThinkPad T60's 451 result on the same benchmark.
Despite having a smaller display, the HP dv2000 ran out of juice at the 3 hour 9 minute mark compared with the 3 hour 8 minute battery life of the 15.4-inch Acer TravelMate 8204WLMi. Fortunately, high-power users can buy the optional high-capacity 12-cell battery, which should theoretically double the uptime.

HP Pavilion dv2000 Entertainment Notebook PC series

Features:

Capacitive buttons and showroom gloss chassis aside, the HP Pavilion dv2000 offers a full suite of features which should leave most users satisfied. Billed as an entertainment system, the dual-core platform offers sufficient processing power for work and play. For those requiring even more perks, an optional discrete Nvidia GeForce Go 7200 graphics card is available on some models for greater versatility.
Connectivity-wise, the Pavilion dv2000 offers three USB 2.0, one spring-loaded ExpressCard slot and a mini-FireWire port. Networking is handled by the Ethernet and modem ports, with Bluetooth and Wi-Fi radios for wireless communication. The memory card reader can handle SD/MMC, Memory Stick, Memory Stick Pro and xD-Picture Card flash formats. External video displays can be jacked into the VGA or S-video ports, and there's also an expansion port for the optional HP xb3000 docking station (for more connectivity options and better speakers). All these ports are somewhat crammed at the flanks of the unit, which detract from an otherwise clean and sleek design. The mini remote control -- an item which is important for entertainment notebooks -- hides in the ExpressCard slot when not in use.

In order to qualify as an entertainment system, a good display is a must. The 14.1-inch transflective widescreen LCD of the Pavilion dv2000 offers a nice compromise between the portable but eye-straining 12-inch models and the comfortable but heavier 15.4-inch entertainers. The base model uses the integrated Intel Graphics Media Accelerator (GMA) 950 graphics renderer to drive the display. For those who prefer stronger video performance and light gaming capabilities, you can opt for an Nvidia GeForce Go 7200 graphics card model.

The integrated sound chip drives the Altec Lansing branded speaker bar located at the top of the keyboard. Though audio reproduction is good, there is a lack of bass that is inherent in most notebook speakers without a sub-woofer. Two headphone jacks (one of which is S/PDIF-enabled) and a microphone port are located at the front. The full-size keyboard is comfortable to use while the touchpad is a little too responsive, though there is a dedicated switch to disable the latter.

Performance And Battery Life:
Our review unit was configured with an Intel Core Duo T2400 1.83GHz processor, integrated Intel GMA 950 graphics card, 1GB of DDR2 RAM and 80GB harddisk. It received an impressive result of 217 on MobileMark 2005, which is comparable to models such as the Toshiba Satellite A100 (241) and Acer TravelMate 8204WLMi (236), both decked with faster 2.0GHz Core Duo processors. Graphically, the integrated graphics card churned out a nice score of 488 on 3DMark05, which stands almost level with the ThinkPad T60's 451 result on the same benchmark.
Despite having a smaller display, the HP dv2000 ran out of juice at the 3 hour 9 minute mark compared with the 3 hour 8 minute battery life of the 15.4-inch Acer TravelMate 8204WLMi. Fortunately, high-power users can buy the optional high-capacity 12-cell battery, which should theoretically double the uptime.

NEW DELL INSPIRON 1525

--FEATURES--


15.4-inch WXGA (1280 x 800) CCFL TrueLife (glossy) screen

2.0GHz Core 2 Duo T7250 processor

2GB DDR2-667 SDRAM (up to 4GB DDR2 SDRAM available)

120GB 5400 RPM SATA HDD

8x Dual-layer DVD±RW drive

Video: Intel Integrated Graphics Media Accelerator X3100

Wireless: Dell Wireless 1390 802.11g Mini Card

Mobile Broadband: Dell Wireless integrated mobile broadband mini-cards Sprint and Verizon service.

Colors: Multiple colors and finishes available

Media Card: 8-in-1 flash memory reader

Input and Output Ports: 4 USB 2.0, HDMI, VGA, IEEE 1394a, RJ11, RJ45, 2 headphone, 1
microphone, 1 ExpressCard 54mm slot, 3 mini-card slots, consumer IR, S-Video

No webcam (optional Integrated 2.0 megapixel webcam available)

Windows Vista Home Premium

Dimensions: 1.00" - 1.48" (height) x 14.05" (width) x 10.08" (depth)

Weight: 5.9lbs with 6-cell battery

What should you know about car and bike insurance?

Need of the Insurance:

When you buy a car or bike as per the Indian motor rules you must get the insurance certificate. Car and Bike owners have liabilities to third parties (victim) – injured or dead- in case of an accident. Often owners are not able to pay the huge claims made by the dependants of the victim. Hence government of India has made third party insurance mandatory for car and bike drivers. Also, understand that vehicle insurance is the only legal document by which you can claim the vehicle.

Insurer – insurance company
Insured – refers to you or your vehicle
Third party – person other than you

Kinds of Motor Insurance:

Third party Insurance and Comprehensive policy/ Package policy are the two kinds of Insurance. Of these two insurance, third party insurance is mandatory and Package policy is optional one. Third party insurance covers the insured for death or injuries of the person you hit and for their property.

Limits of Liability – Third party insurance:

*Claim - as per Motor Vehicle Act 1988. After receiving the victim’s claim which should be justified with sales tax and Income tax returns your insurer will estimate the victim’s earning and depending on the partial or complete disability, the victim will get the amount.

*Your insurer will take care of all the legal expenses incurred for defending the third party claim

*Damage to third party property in respect of any one claim or series of claims arising out of one event up to amount of Rs 7.5 lakhs for private car and Rs 1lakh for two wheelers.

Package/ comprehensive policy in addition to the above covers

*Personal accidents cover for owner-driver which is compulsory in case of individual owners and importantly total liability of the insurer shall not exceed the sum of Rs 2lakhs during any one period of insurance.

*Personal accident cover for occupants incase of cars

*Legal liability to paid driver as per workmen compensation act up to 1lakh

*Damage or loss to vehicle or its accessories due to fire explosion, burglary, theft , riots & strike, accidental external means, natural perils, terrorist activity, flood , malicious act, in transit( road rail inland waterway lift elevator or air) and landslide.

*The insurer will pay the towing charges if the vehicle is unmovable to the owner for moving the vehicle to nearest garage where repairs can be made. Towing charge for cars – Rs 1500 and for two wheelers – Rs 300.

To insure the vehicle…

*For insuring the new vehicle you have to produce the original RC book of the vehicle.

*For a vehicle which insurance is lapsed you have to physically show the vehicle to get the new insurance. Know that you have no need to pay for the lapsed period or any fine.

*For an old car bought from someone third party insurance has to be changed to your name. Regarding the comprehensive policy most prefers to continue

*In the event of death of sole insured the legal heirs of the sole insured may apply to have the existing policy transferred to their names within a period of three months or until the expiry of policy( whichever is earlier)

Steps for Calculating Premium:

IDV – Insured Declared Value of the vehicle will be deemed to be the ‘sum assured’ for the purpose of this policy which is fixed at the commencement of each policy period for the insured vehicle.

A) Own Damage:

1)Find out the IDV
a)vehicle own damage
b)accessories
c)CNG/LPG kit

2)Apply premium rate to the IDV
a)age of the vehicle
b)zone – depends on areas
c)cubic capacity

3)Calculate Own Damage Premium(IDV*rate)

Deduct discounts
a)Voluntary deductible
b)Anti theft devices
c)No claim bonus(NCB)

B) Liability

a) TPPD – Third Party Property Damage
b) Owner – driver Personal Accident (PA) cover
1) Passenger PA
2) Paid driver
3) Employee liability
4) Any other additional cover

Final premium = own damage (A) + Liability (B) + service tax + stamp duty.

Insurers:

The insurers include General Insurance Company of India and its subsidiaries New India Insurance company, Oriental Insuarance Company, National Insurance company and United India Insurance Company. Private players include Tata AIG, Bajaj Allianz and ICICI LOmbard. Because of the new de-tariffy system differnt company offers different packages. Check it and pick the one which suits you

In the following posts we will see how to calculate IDV, what is deprecation, what these company offers when there is no claim - bonus, what you have to pay for claims – malus and most importantly how to make a claim in case of vehicle damage…

Principles of Insurance

Commercially insurable risks typically share seven common characteristics.
A large number of homogeneous exposure units. The vast majority of insurance policies are provided for individual members of very large classes. Automobile insurance, for example, covered about 175 million automobiles in the United States in 2004. The existence of a large number of homogeneous exposure units allows insurers to benefit from the so-called “law of large numbers,” which in effect states that as the number of exposure units increases, the actual results are increasingly likely to become close to expected results. There are exceptions to this criterion. Lloyd's of London is famous for insuring the life or health of actors, actresses and sports figures. Satellite Launch insurance covers events that are infrequent. Large commercial property policies may insure exceptional properties for which there are no ‘homogeneous’ exposure units. Despite failing on this criterion, many exposures like these are generally considered to be insurable.
Definite Loss. The event that gives rise to the loss that is subject to insurance should, at least in principle, take place at a known time, in a known place, and from a known cause. The classic example is death of an insured on a life insurance policy. Fire, automobile accidents, and worker injuries may all easily meet this criterion. Other types of losses may only be definite in theory. Occupational disease, for instance, may involve prolonged exposure to injurious conditions where no specific time, place or cause is identifiable. Ideally, the time, place and cause of a loss should be clear enough that a reasonable person, with sufficient information, could objectively verify all three elements.
Accidental Loss. The event that constitutes the trigger of a claim should be fortuitous, or at least outside the control of the beneficiary of the insurance. The loss should be ‘pure,’ in the sense that it results from an event for which there is only the opportunity for cost. Events that contain speculative elements, such as ordinary business risks, are generally not considered insurable.
Large Loss. The size of the loss must be meaningful from the perspective of the insured. Insurance premiums need to cover both the expected cost of losses, plus the cost of issuing and administering the policy, adjusting losses, and supplying the capital needed to reasonably assure that the insurer will be able to pay claims. For small losses these latter costs may be several times the size of the expected cost of losses. There is little point in paying such costs unless the protection offered has real value to a buyer.
Affordable Premium. If the likelihood of an insured event is so high, or the cost of the event so large, that the resulting premium is large relative to the amount of protection offered, it is not likely that anyone will buy insurance, even if on offer. Further, as the accounting profession formally recognizes in financial accounting standards , the premium cannot be so large that there is not a reasonable chance of a significant loss to the insurer. If there is no such chance of loss, the transaction may have the form of insurance, but not the substance.
Calculable Loss. There are two elements that must be at least estimable, if not formally calculable: the probability of loss, and the attendant cost. Probability of loss is generally an empirical exercise, while cost has more to do with the ability of a reasonable person in possession of a copy of the insurance policy and a proof of loss associated with a claim presented under that policy to make a reasonably definite and objective evaluation of the amount of the loss recoverable as a result of the claim.
Limited risk of catastrophically large losses. The essential risk is often aggregation. If the same event can cause losses to numerous policyholders of the same insurer, the ability of that insurer to issue policies becomes constrained, not by factors surrounding the individual characteristics of a given policyholder, but by the factors surrounding the sum of all policyholders so exposed. Typically, insurers prefer to limit their exposure to a loss from a single event to some small portion of their capital base, on the order of 5 percent. Where the loss can be aggregated, or an individual policy could produce exceptionally large claims, the capital constraint will restrict an insurers appetite for additional policyholders. The classic example is earthquake insurance, where the ability of an underwriter to issue a new policy depends on the number and size of the policies that it has already underwritten. Wind insurance in hurricane zones, particularly along coast lines, is another example of this phenomenon. In extreme cases, the aggregation can affect the entire industry, since the combined capital of insurers and reinsurers can be small compared to the needs of potential policyholders in areas exposed to aggregation risk. In commercial fire insurance it is possible to find single properties whose total exposed value is well in excess of any individual insurer’s capital constraint. Such properties are generally shared among several insurers, or are insured by a single insurer who syndicates the risk into the reinsurance market.

DASHING NOKIA N 80

Nokia N80 Mobile Phone Features

-Quadband WCDMA 1900 and GSM 850 / 900 / 1800 / 1900
-256K colors, TFT (352 x 416 pixels), 35 x 41 mm Color Display
-3.0 Megapixel camera, 2048 x 1536 pixels, built-in flash
-Video (CIF) capturing
-Secondary VGA camera, 640 x 480 pixels
-Media Player - MP3/AAC/MPEG4 player
-Stereo FM Radio built-in
-Built-in handsfree speakphone
-GPRS Class 10, 32 - 48 kbps
-EDGE Class 10, 236.8 kbps
-3G, 384 kbps
-Wireles LAN 802.11g
-Bluetooth v2.0
-Infrared port
-USB 2.0 fast access
-Polyphonic (64 channels), Monophonic, True Tones, MP3
-40 MB internal memory
-128 MB miniSD card included, expandable to 2 GB, hot swapable
-Standard Li-Ion 820 mAh (BL-5B) Battery
-Stand-by: Up to 245 hrs
-Talk time: Up to 3 hrs
-Dimension: 95 x 50 x 26 mm
-Weight: 134 g

Olympus sp560 uz

Olympus SP-560 UZ - Features


• 18x optical zoom plus 5.6x digital zoom
• 1:2.8-4.5 - for extreme close ups to stunning scenes
• Dual Image Stabilisation
• High-speed sequence shooting (15fps) and pre-capture mode
• Face Detection Technology
• Super Macro mode
• P/A/S/M exposure modes
• 24 scene modes (e.g. Smile Shot, Underwater Wide and Macro)
• 8.0 Megapixels resolution
• 6.4cm/2.5” LCD screen (230,000 pixel resolution)
• Shadow Adjustment Technology
• BrightCapture Technology
• Movie recording with sound
• TruePic III image processor
• 25 languages on board
• Dioptric correction
• Internal memory and xD-Picture Card slot
• Olympus Master software 2.03 supplied
• Muvee Pack trial version supplied
• Four AA batteries supplied
• Underwater case PT-037 optional
• TCON-017 teleconversion lens optional (max focal length of 826mm)
• CLA-10 adapter ring optional