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Catalytic converters, the longtime companion of Chrysler
vehicles in trimming down their carbon monoxide emissions, have
been getting a lot of buzz this week. News about catalytic
converters giving off toxic metals must have been the reason for
all of this noise. Add to that the heightened alarm brought by
news about carbon monoxide poisoning. Because of these recent
events, we have found it necessary to review once again the role
that Chrysler catalytic converters play for Chrysler vehicles.
Catalytic
converters are emissions-control products designed to
reduce or to clean up the harmful exhaust emissions in
gasoline-powered vehicles. Since 1975, most new gasoline-powered
vehicles, including Chrysler petrol-powered vehicles, have been
equipped with catalytic converters. So far, the invention has
been functioning well. In fact, a majority of the catalytic
converters installed in vehicles today can efficiently reduce
vehicle carbon monoxide emissions by as much as 80 percent.
There are many types of catalytic converters. Among those that
can be seen often in Chrysler vehicles is the three-way
catalytic converter. Three-way catalytic converters got their
name from the fact that they are designed to reduce three types
of harmful engine emissions–carbon monoxide, hydrocarbons and
nitrogen oxide. Because of this, the structure of these
converters are quite complex although easy to understand.
Three-way catalytic converters are made up of two catalysts: the
oxidation catalyst and the reduction catalyst. The reduction
catalyst is usually made from platinum and rhodium and its main
function is to convert nitrogen oxide emissions into less
harmful products like nitrogen and oxygen. The oxidation
catalyst, on the other hand, is made up of platinum and
palladium. This catalyst is responsible for converting carbon
monoxide and the other hydrocarbons into carbon dioxide. With
both the oxidation and the reduction catalysts present in a
single emissions-control product, three-way catalytic converters
can efficiently filter out the engine’s exhausts and convert
them to less harmful substances.
Because of their importance in controlling emission levels in
vehicles, Chrysler
catalytic converters have long been used as standard
components for Chrysler vehicles. Aside from these original
components, there are also aftermarket Chrysler catalytic
converters that may be used as replacements to the original
equipment.
Among those companies that continuously provide Chrysler owners
with solutions for all of their Chrysler catalytic converter
needs is Auto Parts Wholesale. Auto Parts Wholesale is a major online auto
parts supplier of high quality and high performance Chrysler
catalytic converters. The online company also offers a lot of
other Chrysler parts and
accessories, including Chrysler electrical parts, engine parts,
exhaust parts and others.
But as news about catalytic converters giving off toxic metals
continues to circulate, the company is bracing itself for a
reduction in catalytic converter demand. This should not happen
though because catalytic converters remain to be the most
dependable product for carbon monoxide emission reduction.
Further, advance studies are yet to be released about the toxic
metal findings in catalytic converters.
When you talk to a seasoned webmaster, he/she will always
tell you to backup your website files since the server you
are hosted on will always let you down when least expect
it.
I remember it happened to me when my webhost went down for
about 4 hours at the same time I just launched a massive
(and costly) marketing campaign. It’s really frustrating
to see it happen when I need it to be up and running.
As a webhosting reseller, I experienced one time how my
server is advertised to be backed up daily but when the
server got fried by surging electric current by accident,
my hosting partner cannot recover even the backup harddisk!
Not only did I lose my websites hosted on that server, I
also lost my customers who hated me for what had happened.
It’s a nightmare you wouldn’t want to happen to you.
Today, many webmasters still disregard the value of
backups especially those who are just starting online.
They rely solely on their hosts to backup their websites
but little did they know that not many hosts are not
backing up databases but only the website files, scripts,
images and settings.
The MYSQL databases are not considered to be included in
their backup service. Yet this is an important component
of any website especially those used in business. Imagine
a forum getting back to square one, a mailing list that
has been wiped out or customers that cannot login because
the system cannot find their data. These are just few
examples of how you can lose your online business if you
forget the backup task.
Most hosting control panel programs like CPanel, which is
leading in the world today in terms of server dominance,
has a backup utility that you can use anytime. This is a
manual process where you have to login to Cpanel, click on
the backup page and the download link to the backup files.
This backup activity, although time consuming will ensure
that you have available website files to restore even when
a server problem gets worse thereby decreasing downtimes
and headaches on your part. Recreating website files and
databases from scratch takes much much longer.
Believe me I know. “Been there, done that.”
As a webmaster, you should at least backup your websites
once a week and for your MYSQL databases at least thrice a
week. You can also relate this backup procedure to the
frequency with which you update your websites and
databases..
For example, if you are changing your webpages daily or you
have dynamically generated pages, then you should backup
those changes daily. If you websites or databases change
less frequently, then you can backup less frequently. In
this case, weekly or monthly backups will do.
Backup procedures are not to be taken for granted. This
should become part of your regular activities as a
webmaster to make sure your site is safe and insured from
any eventualities. You should treat backing up files
seriously.
Believe me, you will be thankful you did this when the
times get rough.
If you care about your websites and all the things in it,
backup regularly and completely. It’s one webmaster task
you should never miss.
Manny R. Jao II is self-taught webmaster whose aim
is to improve the lives and working habits of other
netrepreneurs just like him. He is the developer
and owner of the first automatic backup software
for CPanel-powered websites named CPSiteSaver
which you can see at
In the life insurance business, there are highs and there are lows in activity. There are several factors that traditionally contribute to this ebb and flow, but lately there have been some anomalies that are affecting the life insurance sales industry. In this article, I will examine some reasons why insurance sales would be on the rise or why they are currently in a lull.
Back a few months ago, when it was the beginning of summer, I expected a downturn in business as I always can anticipate in the summer season. Summers are slow as far as life insurance sales because people are either on vacation or they’re just too darn hot to get out and meet with a salesman. What’s more, the life insurance salesman too is on vacation. The agents usually go out and enjoy the nice weather and take the summer off to golf or maybe meet with prospects in a more relaxed atmosphere. Well, the summer is over (as far as the calendar is concerned), but the weather is still fine outside - at least in the South. At any rate, business is still running at a slow pace.
Speaking for this particular month (September 2005), it very well may be that since consumer confidence is down to an all time low since 1990, hurricane Rita and Hurricane Katrina just ripped through, and the fact that gas is at an all time high, consumers are thinking less about the future (life insurance) and more about how to keep afloat right now.
On a more global scale, perhaps life insurance sales are down because of the war in Iraq or the tension between the USA and other Countries.
Also, could it be that the “me” generation is getting its way? Are folks just not thinking about the welfare of their families as much?
One thing that has impacted the service industry in a huge way is the “do not bother me” mentality that we’ve all adopted. The do not call list, do not fax list, and no soliciting signs are crushing an industry that once thrived and depended upon these methods of communication. The life insurance agent or broker faces a real challenge where this is concerned.
So what can we do to boost sales? Can the companies help? My opinion is “yes”, the insurance companies CAN help to boost business. Just recently, Prudential has aired a consumer awareness commercial about the importance of life insurance where a boy asks his Father “Dad, do you have life insurance?”. I propose that we, as agents and general agents rally the insurance companies and get them to raise awareness and create desire to protect wealth, secure businesses well-being, and promote a better future.
By: Ashley Brooks, CLTC
Ashley is the marketing vice president for the Family Life Insurance Brokerage Business and has a background in Health & Financial Underwriting, Insurance Plan Design, and “best deal” shopping. Brokerage Services carries only A rated (or better) companies in their product portfolio and has been serving the needs of Independent Insurance Agents since 1977.
Get a free online term life insurance quote from Ashley Brooks here Term Life Insurance Quote
General Life Insurance Quote Agent Online Here: Life Insurance Quote
The older folk among us may remember a song that was popular in the mid-1960s, by Bobby Sherman titled “Happiness Is”. To quote a key line from the lyrics “happiness is different things to different people”. And this is my starting point. It is the “different things to different people” part that is so important, especially when one considers the critical issues that surround the payments industry.
Banks have long claimed the right to be the sole interlocutor in the payments world - a right that they claim on the strength that they alone legally hold the accounts of individuals from which and to which these payments are made. Traditionally because of this banks have been the sole and arbitrary determinant of what information constitutes a payment. Usually this is the bare minimum to satisfy the banks own operational requirements - originating and receiving banks, sender and receiver account numbers, the currency and amount and the briefest of reference information.
Payment information works for banks, but does it really work for any other participants in the payments chain? The answer is an emphatic NO! Different players in the payments chain need and would like to receive other payments related information. The ability to achieve real STP (Straight Through Processing) can lead to greater efficiencies in terms of operating procedures, processing times, fewer errors etc., etc. In short greater efficiency leads to reduced costs - and reduced costs spell increased profits. And this applies to customer and banks alike.
Broadly speaking there are four users of payments related information and they all would like to see different types of information that will assist in their own quest for efficiency.
•Customers - To customers a payment is a small (but very important) part of the business chain. Customers are seeking detailed information that relates to its relationship with its own customers and with its suppliers. Single payments may involve hundreds or even thousands of different transactions such as invoices, credit and debit notes, returns, adjustments and so on. Accurate details of each of these are vital to the record keeping and the business operations.
•Banks - Banks are account keepers - and because they hold accounts or their clients’ payments and payment systems are the natural vehicles for moving funds from one account to another. Who pays, who receives, when and where, what currency and how settlement will be effected - and of course the customer details too.
•Clearinghouses - Clearinghouses are the distributors of payments on a mass scale. Recent years have seen the rapid development and deployment of many different payment mechanisms. Often these allow for direct input by the customer against his bank’s authority - and the customer still has to find another way to pass on all that vital information that he so desperately needs.
•Banking authorities - Events in recent years have forced the regulators to take a much closer look at what payments flow where in the banking world. Either the regulator himself wants the information directly or he has made it obligatory on the banks to record, monitor and retain certain details that relate to payments such as AML (anti-Money Laundering) requirements.
The following brief description summarizes the parties from the payer to the beneficiary including all the intermediaries who have an interest (and of course need information) on a typical payment being made through an RTGS system. Against each party I have briefly indicated what information they need to know.
•Sending Bank - (1) Which bank is it going to, (2) the amount, and name of the paying customer, (3) name and account details of the receiving customer. At the end of the process they may want to also receive a confirmation that the payment was made.
•RTGS system - (1) Which bank is sending, (2) which bank is receiving, (3) the amount, (4) the transaction type.
•Receiving Bank - (1) Which bank sent the payment, (2) the amount, (3) name and account details of the receiving customer, (4) transaction type, (5) settlement confirmation from the RTGS system.
•Payee - (1) The amount, (2) the name of the payee, (3) payer’s reference data, (4) beneficiary references such as invoice numbers, payment amendments such as credit notes etc.
•Payer - (1) Confirmation that the payment was made and (2) the date on which this occurred.
And this is just the basics! It should be clear that payments mean different things to different people.
Ah well… those 60s…
“To a preacher it’s a prayer, prayer, prayer,
To the Beatles it’s a yeah, yeah, yeah,
To a banker lots and lots of dough,
To a racer a GTO.
Happiness is, happiness is, happiness is,
different things to different people,
That’s what happiness is.”
(”Happiness Is” Bobby Sherman, 1965)
Stanley Epstein is a Principal Associate and Director of Citadel Advantage Ltd., a consultancy dealing in bank operations and specializing in Operations Risk and Payment Systems. Further information and details can be found at http://www.citadeladvantage.com
Monday, 26 December 2005- Year after year, broadband speed
increases as well as the number of people accessing broadband
increases, giving rise to a broad range of broadband enabled
services. Although, most people are looking for high speed, but
only speed cannot contribute to the development in this
technology. The primary thing is to expand the broadband enabled
services. It is predicted that the two main areas of broadband,
TV and telephony will see a lot of conflict this year. The
anxiety levels are high with regards to for what Internet
service providers and third party organizations have to offer.
The net telephony providers are predicted to compete with Vonage
and Skype to provide telecom services via broadband. Likewise,
BBC and Apple will compete with established Internet service
providers. Experts may observe blogs, podcasts and other
consumer-generated content. The effect of consumers contributing
back to the Internet will also be taken into consideration. With
50% of homes having access to broadband, things are going in
place and it is expected that the technology is going to make it
big. Last year was an interesting year for broadband users in
UK. The offer to double the speeds of 1Mbps for no extra cost
made by BT made their competitors go a step further. Bulldog
increased its speed to 8Mbps and cable firm NTL to 10Mbps. With
the coming of ADSL2+ in the end of the year, a speed up to
24Mbps was assured. With the remote areas left out with lower
speeds, it has become an issue of concern. The limitations of
this fast broadband have raised speculations about how much the
technology can offer. The performance of ADSL2+ depends on how
far the people live from their local telephone exchange and
their quality of telephone line. So before buying the new
service, people should get their telephone lines tested to check
what speed can be supported. Till the next year, around 60% of
homes will have the technology and the demand for high speed
will continue to increase.
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