In order to understand what is the cloud, it is first and foremost essential for you to know more about cloud computing. This is because the whole aspect of cloud hosting is built on a solid rock cloud computing server environment. Cloud computing system simply entails use of integrated virtual servers, which run as software-independent server units. What this means is that the cloud servers have all the software that is required in order to run effectively without depending on any centrally installed software.
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Cloud servers are a form of virtual dedicated servers (VDS) but the difference is that in the traditional virtual dedicated servers, the software systems are placed on a single hardware server. This means they are vulnerable to single point failure if any software fails.
The cloud computing relies on distributed file system whereby files are spread over multiple hard discs and server machines. This provides redundancy, enhanced network connectivity speeds and improved reliability with minimal downtime.
In the cloud technology, data is never stored in oneplace and if one unit fails, another server unit automatically takes over thus ensuring that you are online all the time. Cloud hosting is a web hosting service that runs on many different servers ensuring that a failure in one server does not cause disruptions or service failure on your network. Cloud hosting is suitable for mid level hosting needs, as well as those server applications that require special configurations that may not be best achieved in shared hosting.
For example, websites running on PHP Apache module can be configured in every way so that they fulfill any requirements. When examining what is cloud hosting and its benefits, it is essential to point out that is that it is suitable for the resource-hungry applications. If your server hosting needs require high level of memory and central processing unit- CPU as well as much time to run, then cloud hosting could fit in as the most affordable solution.
It is cost effective and highly reliable with enhanced network security parameters such as SSL encryptions.
The cloud hosting allows capacity pre-allocation and this means that you can upgrade resources on demand. With this hosting option, you get lower prices for higher resource applications but in the long term. Businesses that are seeking for ways to scale down their hosting expenses can adopt this form of server system. When you have a website network that experiences constantly amount of traffic throughout with only a few peaks, you can use cloud hosting system to pay for the peak over usage meaning that you do not invest too much money on the dedicated capacity.
This is why this hosting system is suitable for midsized to bigger sites that witness constant traffic. In essence, from this explanation of what is the cloud and how cloud hosting is done, you can learn that it is a stimulated form of dedicated virtual server system. It gives website hosting companies and business owners the ability to scale their web hosting costs while ensuring that they achieve high uptime in their server services.
Blogging has emerged to be one of the most profitable business on the internet and yet many who aspire to become successful bloggers, the never make it. Blogging can be challenging if you do not have the right expertise. To blog effectively, you need content that is engaging and compelling to the reader. In addition, you need to monetize your blog. It can be overwhelming to write content as well as monetize your blog at the same time.
Despite the huge amount of earnings realized from blogging, this only goes to a few successful bloggers. While content is the main driving force for a blogger, the writer is sidelined in terms of earnings. Bloggers seek for content from writers and they use it in their blog and make huge returns. The writer earns one time price for articles but the blogger uses the blog posts to generate continuous income.
There are blog sites, which have realized the gap between writers and blogging, and have put in place platforms where writers can write what they love and generate big earning from blogging. This is perhaps the best opportunity for writers who would like to get a lion’s share from the enormous earnings that are derived from blogging. These blogging sites give writers the opportunity to write on topics they like and post them in the blog sites.
The blogging sites are optimized for earnings by experts who have been in the business of blogging for long time. This means that a writer has sufficient time to concentrate on the business of writing while the blog site optimization is done by professionals. This gives the writer the room to concentrate on writing thus producing quality engaging blog posts that attract readers.
If writers are able to dedicate their time and make contributions in reputable blogging sites, they stand a better chance of earning great cash that perhaps they would never make in their writing career. A big applause needs to be given to the designers, developers, and initiators of the blog sites that help content creators achieve their dreams by publishing content on the sites.
These sites can change the lives of many writers who have struggled to make ends meet despite the quality content they produce to publishers. It is certain that there are writers who have been seeking for this opportunity and never found it until now. If you are a writer, it is the high time you considered joining blogging sites and reap the benefits of blogging.
You will not strain to earn in these blogging platforms, as your role is to contribute your content while the technical aspects of blogging are taken care of by the experts. If you started a blog and you never earned anything, it is time you changed your gears. You most probably do not have the expertise to have your blog site ranked on the top pages of search engines. To derive any meaningful traffic on your own blog, you must have a good background of search engine optimization. You need to know how to optimize a blog to deliver high relevant traffic and this is where the professional blogging sites come in handy.
Your credit score can dictate the way in which you access loan facilities as well as the kind of terms you are offered for the loans. However, for one consumer, it seems that accessing short term loans is quite easy. When you are in bad credit, banks and other lenders shy away from offering you credit facilities. You are abandoned at a time when you actually need a credit facility. Payday loans are changing the way bad credit consumers have been previously perceived.
There has been misconception that bad credit consumer cannot repay a loan substantially but this is being proven wrong. Actually that consumer can pay very high interest-rate loans like the cash advance or next payday loans offered by lenders. These loans attract an interest rate of about 400percent but this can stretch to as high as 750 percent or even higher. For example, one company Wonga, a payday leader is said to offer short term loans attracting interest rates as high 4000 percent.
Wonga, a UK leading payday loan lender states that it will always tell you the full cost of cash advance loan repayment upfronts and there are not catches or extra costs. Yes! Wonga goes on to state that their services have a representative APR of 4214 % but this is an annualized measured, which takes into consideration a compounding theory.
The loans are intended to be repaid for between one day and one month and the short the period the higher the APRs. In the US, the payday loans APRs are relatively lower ranging about 750% on the higher side though some lenders may clock the 1000% APR mark. When the credit crisis hit many parts of the world from 2007, many consumers had borrowed heavily with multiple loans or large sized credit facilities.
They did not anticipate that things would take a different twist of events. The financial institutions abandoned many consumers with bad credit but today, this scenario is changing as the lending companies make a comeback. The effects of delinquencies, bankruptcy, and foreclosures reflect on credit report for a long time.
Although some of the consumers may have stabilized financially, the effects of the credit crisis still reflect in their credit reports. Payday loan lenders are now offering high interest rate loans, which are secured by a paycheck. The loans are easy to obtain and you can apply online. Because of the frustrations consumers have had whenever they visited banks to apply for loans, they have found good friends in lending which are the payday loan lenders.
These lenders seem to understand the needs of the underserved borrower and this is why they are preferred by many consumers. Not only are payday lenders offering short term loans to the consumers but banks have also joined the market. Different banks are offer payday loans under different names for example, Wells Fargo offers Direct deposit advance, Guaranty Bank offers Easy advance while Bank of Oklahoma offers Fast loan. The bank payday loans attract an interest of about 250 to 300 percent APR.
The subject of payday loans has received a lot of attentions and speculations but one notable thing is that aging citizens are turning to using these loan facilities. According to report released by Center for Responsible Lending, it shows that about 25% of consumers opting for cash advance credit offered by banks are using their social security funds. You may be wondering if banks are offering these high interest loans but the truth is that they are indeed offering such loans but under different names.
The banks refer to these loans as fast cash, cash advance, and so forth. However, the latest statistics on short term loans with high interest rates seem to be impacting the seniors at an age where these older people should be refraining from debt. The fact that a significant number of bank payday loan borrowers fall under the seniors who are using their social security resource may not be a welcomed thing.
Banks are said to be offering short term loans which attract interests as high as 250 to 300 percent in APRs. Although most of the payday loans require that you have a source of income such as employment, for the seniors, they are using their social security benefits to qualify for these loans. In that study released by CRL, it also showed that in 2011, the average bank payday loan customer took close to 19 loans in a year.
As the payday lending industry continues to defend itself, perhaps for the senior consumer, this may not be the right option. At an old age, there are many uncertainties that may strike and need emergency cash but opting for high interest rates may not be a good solution. In old age people tend to suffer from health conditions because of the reduced immune systems and poor circulation of blood.
You may have frequent visits to the doctor as well as numerous treatments that take substantial amount of money. Nevertheless, this does not mean that the best way to get cash to meet these financial needs is to go for these loans. For one, these loans are easy to obtain and you will not have headaches when applying for them. There may be no credit check when getting approval for the loans. This perhaps is one reason, which entices the old to opt for these loans especially those with bad credit score.
But there are better options such are credit unions or even peer to peer lending. Banks may also provide personal loans at a very competitive rate. The question is; whether you as a senior, you will get approval for the low interest loans when you are in bad credit. The fact that over a quarter of payday loan borrowers are social credit recipients, it means that seniors may be carrying more debt, which locks them out from acquiring low interest loans issued by banks or other financial institutions. This is perhaps another reason why they opt for the payday cash advances.
The major problem is that they are borrowing at a time when they should keenly be watching their debt burden. This is a time when they can actually ill afford such financial burdens and they need to refrain from taking these loans and search for other better financial solutions. And, as an associate state director for advocacy for AARP noted, seniors are getting their social security benefits in the bank electronically and as soon as it is deposited there, the payday lenders are scraping it up.
This is certainly “swindling” the social security benefits of the seniors, a scenario that may lead to huge debt burden. Although banks seem to reject the label payday loans, they offer these credit facilities under different names like Fast Loan for Bank of Oklahoma, Easy advance for Guaranty Bank, and Direct deposit advance for Wells Fargo Bank, among other similar names.
When you talk about computers, it may not only refer to a mouse, PC, monitor and your keyboard; any devices that can compute as well as execute instructions or commands through designed programs or software may be referred to as a computer. Therefore, technically, the definition of a computer may extend to include other electronic devices like tablets, PDAs, laptops, smartphones and other high-tech devices. The evolution of computers from the 1936 Konrad Zuse-Z1 computer to the modern day tablet PCs and ultrabooks, has been a huge development for the society.
It is certain that computer devices have revolutionalized the way in which the society interacts. However, no matter how the community sees computers as beneficial, there is another group of neo-luddites who oppose the innovations of the computer age. Luddites were a group of persons who greatly opposed the industrial revolution in Britain and it seems that in the technological world, we also have other “luddites” now termed as neo-luddites.
Neo-luddites are today’s critics of computerization and the modern technology including the internet. They claim that people use computers because they are there and not because they make people’s lives easier. Whether this is true or false, this remains to be an aspect to be debated upon. Putting aside the thinking and mediocrity of the neo-luddites, it may be argued that computers have changed the way in which people communicate, access resources, study or even work.
Virtually, in every sphere of life, technology makes some contributions. In the aspect of research, computers have helped researchers make breakthroughs such as in satellites and telescopes. Another field which has received extensive developments is medical research. There are high-end machines used in laboratories, diagnosing, and curing diseases. Surgical procedures have become more precise and accurate with use computer technology.
Magnetic resonance imaging and other scans like CT scan make use of these high tech computing devices. Surgical procedures like laparoscopic surgery require the use of computers. Today, doctors can treat people remotely through web conferencing. Education is key to succeeding in life and today, thank you to the computer technology and internet as students are able to undertake distance learning through online study programs.
This makes education to be more available to people who are limited to relocating or pursuing the studies abroad. It is costly to undertake a degree program or masters degree by going to the country where the college is physically situated. However, this gap has been bridged by use of correspondence studies. In the business world, things even look better as business persons can initiate transactions through their mobile devices.
The banking sector, through the so-called internet banking has eased the way in which people contact their banking activities from request for payment to ordering and making payment for goods and services delivered. In security matters, computer-aided cameras are installed in vantage points where they can capture and store images of persons and movement of people and vehicles.
In major cities, crime activities can be monitored through use of CCTV cameras installed in busy streets. Last but not least, computers have connected the remote parts of the world with the big cities and countries. A person in a remote part of Botswana’s Kalahari Desert can communicate with a person in New York in real time. In essence, the development of computers cannot be underestimated because it has really changed the world and how people interrelate.
As giant automobile makers battle it out to gain supremacy in the market, their efforts are shadowed by the never ending car recalls, which are not only costly but also taint the reputation of the companies on quality assurance to consumers. It has been revealed that Japanese automakers including Nissan, Toyota, Mazda, and Honda are in the process of recalling close to 3.4 million units from defects found in airbags.
According to Hong Kong CNNmoney, the latest of the recalls are those from Toyota-TM in which more than 1.7 million cars are said to be recalled owing to airbag defects. An airbag is essential in that it minimizes the magnitude of an injury whenever a crash occurs. However, any defects in this crucial safety device in cars could lead to serious injuries if a crash occurred.
While Toyota was recalling 1.7 million units, with popular models like Camry, Matrix, and Corolla among the cars being recalled, on the other side, Honda is recalling 1.1 million vehicles, Nissan 480,000 autos, and Mazda 45,000. Insurance companies have been rallying for quality assurance on automobile manufacturer because this was causing great economic losses in term of road accident injuries compensations, which could otherwise be averted.
However, the most hit is the consumer who is placed in a risky situation of sustaining injuries, if not death, when an accident occurred due to malfunctioning airbags and other motor vehicle functionalities. In addition, the consumer was likely to pay high automobile premiums and this means that it is double tragedy for the innocent consumer. The recalls are not only on Toyota cars. Other mainstream companies in the automobile market have also found themselves in the same cutting sword.
Honda, Mazda, and Nissan have also been hit by this quality assurance blow. Honda-HMC is recalling more than 1.1 million cars. Honda automobile manufacturer said that the recall was necessary in order to replace defective passenger front airbag inflators. The company expressed concerns that it was possible that front airbag inflators in the vehicles affected would deploy with too much pressure.
Such pressure could cause the inflators casing to burst, something that could cause injuries. Most of the Honda cars, which are expected to be recalled, are those from the models between 2001 and 2003. Honda confirmed that it was aware of one incident where the inflator of the passenger front airbag had ruptured because of too much pressure.
Nonetheless, the company said that it was not aware of any deaths or injuries owing to the defects. According to Shino Yamada, Toyota spokeswoman, the airbags that are believed to have the defect were manufactured by a Japan-based supplier, Takata Corp. From the announcement of the recall, the shares of Takata sunk deeply and it was seen that at some point they had fallen by more than 15 percent.
However, the shares recovered to close down at 9 percent. In the US, the recall has brought some effects. Toyota’s largest cars recall was witnessed in 2009 and 2010 were it was estimated that 8 million cars were recalled for having a potential risk that involved the accelerator pedals. The latest recall hit the company, which is now trying to heal and restore its reputation for quality after that massive recall. In that previous recall, motor dealers were asked to suspend sales of close to eight models of cars and many other models were stopped for some time.
Sources:
http://money.cnn.com/2013/04/11/news/toyota-honda-airbag-recall/index.html
If you are that type of personality who wants to pumper his or her ride, you will most likely make some car modifications. You may fit some new alloy wheels, add some extra headlights or modify your car engine to improve performance. It is essential to consider that any modifications you do in your may have an effect on the cost of your auto insurance. Vehicle modifications in most cases increase the cost of car coverage. There are mainly two factors that are examined when insurer assess how car modifications could affect the insurance policy.
One, the risks of accident is looked at based on the modifications done on a vehicle. Changing the appearance and performance of a car is viewed by insurers as an increased accident risk. Some of these changes may include engine modifications, body kits, sport seats and spoilers. One thing you will be asked when filling your car insurance policy form is whether your vehicle has undergone any modifications.
If you do modify a car to increase its power such as change of the exhaust system, it means that you have to drive fast and from the insurers’ point of view, the faster you tend to drive, the more you are likely to get involved in an accident. The other risk that is examined on a modified car is risk of theft. If you install accessories like phone kits, entertainment systems and other features, this means that you are adding value to your car.
This could be interpreted as potentially susceptible to theft. Your car may be broken into or even stolen. Insurance companies do not want to bear that risk and they substantially pass over the burden of risk on to your premiums by increasing the rates. Probably, a third argument could consider the aspect of adding value to your car through modifications, which means that the vehicle is expensive and you will increase your claims in the event of any damages or theft.
Therefore, modifying your car to increase its value would attract high premium rates. According to an analysis on car modifications and how they affects the insurance cost, MoneySupermarket released a price guide that shows how car insurance will change following a modification on specification parts or accessories.
For example, from the guide, a turbo-charging, nitrous oxide, and supercharging have been noted to produce the biggest impact on the prices of vehicle insurance. These changes can increase the policy cost by up to 90 percent averagely, and this is twice as much as any other kind of changes that you may make in your car.
Some changes that are done to enhance the aesthetic look of a vehicle are considered more benign and therefore may not cause any significant increase in cost of insurance. Things like tinted windows and fitting of alloy wheels are considered low risk.
Apparently, some of the functional modifications could actually lower the insurance premiums for example, when you install parking sensors; it means that you are less likely to bump into another vehicle when reversing. In essence, you need to evaluate the kind of car modifications you are doing on your vehicle and how they will affect your insurance policy costs.
