How Banks Make Money from Credt Cards

Banks love borrowers who spend on credit cards. This is because they charge anywhere

between 3 to 4% per month on the outstanding amount if you fail to pay the ‘total amount due’ in your credit card statement. This is the most expensive way of borrowing. 

Below are 5 facts on Credit Cards
1. Borrowers are cautious and are revolving less money than before. Over the past one year, 53% of outstanding balances are revolved. When borrowers revolve credit, banks earn a higher interest income. This was over 60% a year ago and over 80% in 2009. Total credit card outstanding as of July 2013 was Rs 23,100 crore, according to RBI data.

2. Banks primarily earn interest income on the money they lend. Of the total interest income, credit cards account for less than 1% for most banks. Jefferies observes that HDFC Bank generates 4% interest income from credit cards, the highest among all banks. This means more customers of HDFC Bank are revolving credit and paying a higher interest rate.

3. Ten banks account for 88% of credit cards issued in India.

4. The four private banks (HDFC Bank, ICICI Bank, Axis Bank and IndusInd Bank) put together now constitute roughly 66% of the total credit card outstanding balances in the banking system.

5. When you opt for a 0% equated monthly instalment or EMI option, banks charge a nominal transaction fee. Point of sale terminals, as banks call these mode of payment, have surged 50% over past one year. HDFC Bank, ICICI Bank, Axis Bank and IndusInd Bank have an 80% share in this segment, according to Jefferies.

Read More

Error: no such partition - "Grub rescue" , while booting the system

error: no such partition

grub rescue>

CAUSE:

1. If you delete the Linux partition on your hard drive and windows partition is still there.  When you boot the system you will get the following message:

error: no such partition

grub rescue>

2. when you  try to make partition of C Drive

Solution

Insert windows 7 disk and
1 Now from the menu list select the ‘Command Prompt’ option.

2) At the DOS prompt type the following three commands:

bootrec.exe  /fixmbr

bootrec.exe  /fixboot (may return an 'Eliment not found' message)

bootrec.exe  /RebuildBcd

3.) Close the command prompt window and click the ‘Startup Repair’ option.

4. ) The repair process may take some time, so wait until the process completes at which point you will see two messages “Windows cannot repair this computer automatically” and “Startup Repair cannot repair this computer automatically”.

These messages are the result of the radical changes made by removing the other drive. Ignore the Send/Don’t send options.

6.) Close this message window by clicking on the X in the upper right corner of the Send/Don’t send window. Next click on the ‘View advanced options for system recovery and support’ option and from the main menu once again click ‘Startup Repair’. 

This time the repair process may only that a few seconds and when prompted “Startup Repair could not detect a problem”, click ‘Finish’  and run the ‘Startup Repair’ option one more time, click ‘Finish’, and then remove the System Repair DVD and click ‘Restart’.  Reboot the computer.

Read More

With No Camera Required Armband Converts Gestures Into Controls

The Future of Entertainment series iQ by Intel and PSFK Labs is highlighting the latest in entertainment innovation. Over the course of 10 weeks at iq.intel.com, we are showcasing new products, services and technologies, exploring the changing face of how we consume, share and create content and getting reactions from Intel experts.

In our final week of The Future of Entertainment series, PSFK and iQ are surveying the current rise of the trend Wearable Interfaces, examining how wearable technology is changing the way people interact with the world around them. Developers are leveraging the lowering costs of processors combined with the power of complex sensors to create electronic devices with new form factors that seamlessly fit into users’ lives. 

The Tom Cruise action-thriller Minority Report, made in 2002 and set in 2054, envisioned a world where people spoke to computers and controlled them with a swipe of the wrist. We only had to wait ten years for the science fiction imaginings to become a reality, with gesture recognition, and more recently wearable tech, blurring the lines between digital interfaces and human commands to making communicating with machines easier than ever before.

With their new device, Canadian startup, Thalmic Labs, have created a wearable interface that gives everyone a taste of the fictional universe proposed by Minority Report, sort of. MYO is an armband that enables users to control computers, phones, and other devices with simple, intuitive hand gestures. Unlike other gesture-controlled devices we’ve seen in the past, MYO does not require the addition of a camera, and therefore does not limit the wearer to a confined space. 

MYO works by using motion sensors that register the movement of the wearer’s arm, as well as electrodes that sense the arm muscles’ electrical activity to differentiate between up to 20 gestures, which even include small movements of the fingers. The armband connects to a computer or other smart device via Bluetooth, so that users can swipe through internet pages, turn the volume up on their music up and even play games. Since it is not limited to a specific place, a person can wear the MYO device all the time, using it as naturally as they would standard gestures like pointing or waving. Having sold over 30,000 units set to ship in 2014, Thalmic Labs is currently running a program for developers to let interested people put forth ideas for software applications, expand the seemingly endless amount of possibilities promised by the armband.

The MYO armband hits upon a huge theme of Wearable Interfaces and the Future of Entertainment altogether – that as technology improves, it is becoming an increasingly important part of the human experience in the 21^st century. Developers are using wearable tech to enhance how we understand our surroundings and ourselves in a never-before-seen integrated way. MYO takes a set of basic human movements and harnesses them to make communicating with computers an effortless process.

The company’s CEO, Stephen Lake, saw the potential of using natural movements to cross the digital divide. “How can you make technology an extension of yourself? By making it something that is naturally integrated with you all the time,” he told VentureBeat,“Our hands have evolved over millions of years to have incredible control and manipulate things. Now we are connecting natural sets of actions to the digital world. Suddenly, you have the power of the entire internet at your fingertips.”

The Wearable Interfaces trend is at the leading edge of what’s possible when the link between human and machine starts to merge. Check in tomorrow when PSFK and iQ assesses the behemoth of wearable technology, the oft-discussed, ever-controversial, Google Glass.

Read More

How to Improve Maths Calculation Skill

As we all Know mathematics is tough subject :) .for those who thinks i'm right, below are some techniques to improve your mathematics calculation skill 

1. Start easy. Don't jump straight in there trying to work out what 235433×95835.344 equals, if you can do that you don't need to read this. Start with really easy addition and subtraction, even if it is patronizing, make sure you can do them quickly.

2. Learn the multiplication tables and find the patterns in them. Knowing the patterns will make multiplication and division of larger numbers much simpler. Repeat these until you can recite them backwards and randomly at anytime. write up to the 12 times table everyday once

3. Visualize what you are doing. Whether you imagine writing the sum out, or count objects, visualizing the calculation can make it easier to solve.

4. Use your fingers. Learn to count to 99 on your fingers and then use this to "store" the number so you don't worry about forgetting about it while calculating a different part of the calculation.

5. Learn shortcuts. There are a lot of these and can make calculations much easier. Look on the internet or ask your teacher to see if there are any shortcut methods for the calculation (or part of the calculation) you are trying to do.

6. Practice regularly. Give yourself a few calculations to do each day, starting easy and gradually getting harder.

7. Don't give up too soon. It will take time to get good at calculations. Persevere and don't reach for the calculator too soon.

8. Challenge yourself. Once you can do the basics quickly and easily give yourself challenges. Stretch your abilities and aim to do the calculations as quickly and accurately as possible.

9. Don't be afraid to reach for a calculator to check your answer if you're unsure. There are very few non-exam/school situations where you will be required to work without a calculator and if you find you're getting them right this will help build confidence.




Tips :-

. Perseverance is key. This will take practice, so don't give up too soon.
. Always be confident on what you are doing.

Read More

Download GPG Dragon V3.31 New Update

GPG Dragon V3.31 Latest Version


Download Now..


Enhancements

• Fixed Some Coolsand IMEI Change Bugs
• Add Coolsand CPU_ID 8800A7002 Support
• Fixed Some Coolsand Read Flash Bugs
• Coolsand CPU Add CPU Name identify
• Some imnportant bugs fixed at this update

ABOUT GPGDRAGON SOFTWARE
Gpgdragon software updates to latest version automatically. It also provides detailed news, information and features for latest release if available with if a popup window.

Check out other Versions..
GPG Dragon Box v3.25
GPG Dragon Box v3.26 
GPG Dragon Box v3.27
GPG Dragon Box v3.28 

Read More

Upload files to FTP server using C#

Upload any type of files (text,zip,images etc.) to FTP using C#

In order to upload a file using FTP details, one should know the server’s FTP URL, FTP username and FTP password.

We can achieve the file uploading task by using the below three inbuilt classes of .NET: FtpWebRequest,WebRequestMethods, and NetworkCredential.




Here is a sample code to upload TEXT file.




using System;
using System.IO;
using System.Net;
using System.Text;
 
namespace Examples.System.Net
{
    public class WebRequestGetExample
    {
        public static void Main ()
        {
            // Get the object used to communicate with the server.
            FtpWebRequest request = (FtpWebRequest)WebRequest.Create("ftp://www.contoso.com/test.htm");
            request.Method = WebRequestMethods.Ftp.UploadFile;
 
            // This example assumes the FTP site uses anonymous logon.
            request.Credentials = new NetworkCredential ("anonymous","janeDoe@contoso.com");
            
            // Copy the contents of the file to the request stream.
            StreamReader sourceStream = new StreamReader("testfile.txt");
            byte [] fileContents = Encoding.UTF8.GetBytes(sourceStream.ReadToEnd());
            sourceStream.Close();
            request.ContentLength = fileContents.Length;
 
            Stream requestStream = request.GetRequestStream();
            requestStream.Write(fileContents, 0, fileContents.Length);
            requestStream.Close();
 
            FtpWebResponse response = (FtpWebResponse)request.GetResponse();
    
            Console.WriteLine("Upload File Complete, status {0}", response.StatusDescription);
    
            response.Close();
            }
        }
    }
}




>> As we know streamreader used only to read text files / binary files. here is sample code to upload all type of files.

private static void up(string sourceFile, string targetFile)
{            
    try
    {
        string ftpServerIP = ConfigurationManager.AppSettings["ftpIP"];
        string ftpUserID = ConfigurationManager.AppSettings["ftpUser"];
        string ftpPassword = ConfigurationManager.AppSettings["ftpPass"];
        ////string ftpURI = "";
        string filename = "ftp://" + ftpServerIP + "//" + targetFile; 
        FtpWebRequest ftpReq = (FtpWebRequest)WebRequest.Create(filename);
        ftpReq.UseBinary = true;
        ftpReq.Method = WebRequestMethods.Ftp.UploadFile;
        ftpReq.Credentials = new NetworkCredential(ftpUserID, ftpPassword);
 
        byte[] b = File.ReadAllBytes(sourceFile);
 
        ftpReq.ContentLength = b.Length;
        using (Stream s = ftpReq.GetRequestStream())
        {
            s.Write(b, 0, b.Length);
        }
 
        FtpWebResponse ftpResp = (FtpWebResponse)ftpReq.GetResponse();
 
        if (ftpResp != null)
        {
            MessageBox.Show(ftpResp.StatusDescription);
        }
    }
    catch (Exception ex)
    {
        MessageBox.Show(ex.ToString());
    }
}










Read More

Unable to load SQL Server OLEDB Provider Resource DLL

Problem :  While accessing any window application follwing error may occur: SQL

Server OLEDB provider support error Unable to load SQL Server OLEDB provider resource DLL. The application cannot continue.

Solution:

1. Following the steps below may help to resolve the issue.
2. Open My Computer 
3. Double Click C (Local Disk) 
4. Double Click Program Files 
5. Double Click Common Files 
6. Double Click System
7. Double Click OLE DB 
8. Check that the following files are listed: SQLOLEDB.RLL andSQLOLEDB.DLL
9. If the files are not listed they will need to be copied from another machine

Read More

MxBox v3.5 Revision 2.6 Latest Setup Free Download

MxBox v3.5 revision 2.6, Public-Release

Download Now

TIP >> After downloaded,just rename that .zzz file to .zip 

Features

1. NOKIA module updated to version 2.6
2. added: WP8 support 
3. Refurbish Flashing support by USB
4. Recovery(Dead) Flashing support by USB
5. added: Service Utility for WP8
6. Factory Reset without flashing

• Read/Write Producttion Data(Product Code,PSN,HW version, etc ..) )*
• Read/Write WP8 NV items )*
• Read/Write WP8 CERTIFICATE(NPC,CCC,HWC,RDC) )
• Write CoverColor )*
• added: SuperDongle Auth for WP8 phones
• SuperDongle Auth is required to write important/secure data
• bugfixed: RAPUV2 security repair function
• revised internal fire module to enable download firmware package by product code

Read More

Gpg Dragon V3.28 Free Download

Gpg Dragon V3.28 Latest Release

Download Now

Key Features:

M-Star in the Read code add the Clear_code function

if you tick this,software will click the password form your read flash and make new flash file with out the password then you can write this new file to mobile.

• it will not loose any user data
• if you select read password and un-tick the clear_code
• software only read password form flash file only
• Fix the MTK 6575 after download DSP_BL return data error bugs

Check out OLD Versions..
GPG Dragon Box v3.25
GPG Dragon Box v3.26 

GPG Dragon Box v3.27

Download Also
GPG Dragon Box v3.31 

MxBox v3.25

Read More

Semantics : HTML5 Features

Semantics is one of the most distinctive features of the Web Platform versus other application platforms. Developers usually ignore or de-prioritize such feature but the mastery of it can bring many benefits to our projects.

The Web is text and text has a meaning. Ultimately the content that our browsers read is pure text. Web sites and web applications have been created in an ecosystem where text based content is linkable, searchable and mashable. In the open web scenario our content can be shown, fed and remixed by third parties, search engines and accessibility tools. All these benefits don't come for free. 

Automated tools can only do half of the job at recognizing the nature of the content. The better job the developer does at marking the right semantics of the content the easier will be for the rest of the agents to deal with it. HTML5 provides a series of tools to make developers life easier too:

• New media elements.
• New structural elements.
• New semantics for internationalization.
• New link relation types.
• New attributes.
• New form types.
• New microdata syntax for additional semantics.

New Semantic Elements in HTML5

Many of existing web sites today contains HTML code like this: <div id="nav">, <div class="header">, or <div id="footer">, to indicate navigation links, header, and footer.

HTML5 offers new semantic elements to clearly define different parts of a web page:

• <header>
• <nav>
• <section>
• <article>
• <aside>
• <figcaption>
• <figure>
• <footer>

HTML5 <section> Element

The <section> element defines a section in a document.
According to W3C,  "A section is a thematic grouping of content, typically with a heading."

Example:

<section>
  <h1>TECH IMPULSION</h1>
  <p>"A Comprehensive technology blog with great articles."</p>
</section>

HTML5 <article> Element

The <article> element specifies independent, self-contained content.

"An article should make sense on its own and it should be possible to distribute it independently from the rest of the web site."

Examples of where an <article> element can be used:

•     Forum post
•     Blog post
•     News story
•     Comment

Example:

<article>
  <h1>Microsoft Launches Internet Explorer 10</h1>
  <p>Windows Internet Explorer 10 (abbreviated as IE10) was released to
  the  public by Microsoft.....</p>
</article>

HTML5 <nav> Element

The <nav> element defines a set of navigation links.

"The <nav> element is intended for large blocks of navigation links. However, not all links in a document should be inside a <nav> element!"


Example:

<nav>
<a href="/html/">HTML</a> |
<a href="/css/">CSS</a> |
<a href="/js/">JavaScript</a> |
<a href="/jquery/">jQuery</a>
</nav>

HTML5 <aside> Element

"The <aside> element defines some content aside from the content it is placed in (like a sidebar)."

The aside content should be related to the surrounding content.


Example:

<p>My family and I visited The Epcot center this summer.</p>
 
<aside>
  <h4>Epcot Center</h4>
  <p>The Epcot Center is a theme park in Disney World, Florida.</p>
</aside>

HTML5 <header> Element

The <header> element specifies a header for a document or section.

"The <header> element should be used as a container for introductory content."

You can have several <header> elements in one document.

The following example defines a header for an article:

Example:

<article>
  <header>
    <h1>Internet Explorer 9</h1>
    <p><time pubdate datetime="2011-03-15"></time></p>
  </header>
  <p>Windows Internet Explorer 9 (abbreviated as IE9) was released to
  the  public on March 14, 2011 at 21:00 PDT.....</p>
</article>

HTML5 <footer> Element

The <footer> element specifies a footer for a document or section.

A <footer> element should contain information about its containing element.

"A footer typically contains the author of the document, copyright information, links to terms of use, contact information, etc."

You can have several <footer> elements in one document.

Example:

<footer>
  <p>Posted by: Azziet Singh</p>
  <p><time pubdate datetime="2012-03-01"></time></p>
</footer>

HTML5 <figure> and <figcaption> Elements

"The <figure> tag specifies self-contained content, like illustrations, diagrams, photos, code listings, etc."

While the content of the <figure> element is related to the main flow, its position is independent of the main flow, and if removed it should not affect the flow of the document.

The <figcaption> tag defines a caption for a <figure> element.

The <figcaption> element can be placed as the first or last child of the <figure> element.

Example:

<figure>
  <img src="img_pulpit.jpg" alt="The Pulpit Rock" width="304" height="228">
  <figcaption>Fig1. - The Pulpit Pock, Norway.</figcaption>
</figure>

Read More