The best and worst gadgets this holiday season

According to the CEA, this year could be a record-breaking holiday shopping season for consumer gadgets--with spending levels reaching a 17-year high.

Although overall spending is expected to be down by 2%, consumers will be spending more on consumer electronics. According to the reports, 73%  of U.S. adults (up from 67% last year) are planning to give gadgets as gifts this year.

But is everyone going to be a big winner this holiday season?

Definitely not.

While companies like Apple (NASDAQ: AAPL), Google (GOOG: 587.19 ,-8.67 ,-1.46%) andMicrosoft (MSFT: 25.78 ,-0.44 ,-1.70%) could break the bank with their new devices, other companies like BlackBerry-maker RIM (RIMM: 56.30 ,-1.48 ,-2.56%), Palm (HPQ: 41.75 ,-0.78 ,-1.83%) and, interestingly enough, Nintendo could watch their products collect dust on the shelf.

Here is a quick breakdown of the expected winners and losers of this year’s holiday shopping season:

1. BY PRODUCTS:

Winners:

• •iPad: Competitive tablet pricing and rock solid OS and features.  New features such as multitasking, AirPlay, and wireless printing with the upcoming OS 4.2 upgrade will bolster an already stellar product.
• •Kinect: The tremendous  base is going to lead to a significant amount of curious consumers. Love it or hate it, this new type of control is bound to be at the top of the list, even if just from a curiosity standpoint.
• •Droid Pro:  What could be a final blow to RIM, the Droid Pro looks poised to take a bigger slice of the enterprise and consumer market.

Losers:

5 Best Android 3G Mobile Phones of 2010

Android phones are the most happening things in the current mobile market. Today all the brands except Nokia has released atleast one mobile based on Android operating system. The reason for this is that, today there are thousands of applications being developed for the android phones, the operating system itself stable and easy to use. So I just thought of listing 5 best Android based mobile phones of 2010,

HTC Wildfire A3333

A beautiful Android phone from HTC, its really a awesome phone with awesome features, at this moment if some one give me Rs.15000 and ask me to purchase a mobile, then I would surely go for this mobile phone. Here are the features of this mobile phone,

• A 5 mega pixel camera with autofocus, flash & video recording.
• A 528 MHz processor that runs this awesome phone.
• A 3.2 inch capacitive touch screen with 240 x 320 pixel resolution.
• It has 512 MB ROM, 384 MB RAM. Supports memory expansion up to 32GB with MicroSD.
• Operating system – Android 2.1 Eclair with HTC sense.
• Internet support for HSPA, EDGE, GPRS, Wi-Fi.
• Social networking support for Facebook, Friend stream, Photosharing on Facebook, Flickr & Twitter. Video sharing on Youtube. HTC Peep for twittering.
• Multi format audio & video player with 3.5 mm audio connector.
• Connectivity options like Bluetooth,  Wi-fi , Micro USB & 3.5mm audio port.
• Built in sensors for motion sensing,  proximity & ambient light sensor.
• Supports lots of widgets on home screens. Also allows you to download widgets from internet.
• Internal GPS antenna &  Digital compass  for navigation.
• A powerful 1300 mAh Li-ion Battery.

Price – Rs.14615

HTC Wildfire A3333

Samsung Galaxy 5 I5503

• A 2 mega pixel camera with video recording.

Dell Launches New Android Range in India

Smartphone maker Dell today announced the launch of its first high-value smartphones XCD28 and XCD35 in India.

Priced starting at Rs. 10,990 for XCD28 and 16,990 for XCD35, these are the first Dell smartphones targeted specifically at addressing key use cases at such price points anywhere in the world. The Dell XCD28 will be immediately available in the market while XCD35 will be available by December 2010.

IIPM-GID club initiative - Diwali event for less privileged children

We Share Because We Care

1^st to 3^rd November 2010

This time, on behalf of the GID Club, the IIPM students organized a Diwali event starting from 1^st November, 2010 till 3^rd November, 2010. These days were especially dedicated for the less-privileged but special kids. 

On the first two days of the event, we had set up a counter and named it “I SHARE”, wherein students were invited and informed about this beautiful event. It was remarkable to notice that students were willing to listen to us and the amazing part was that we were able to collect gifts around Rs. 12000 and cash around Rs. 6000, which was also used for purchasing more gifts for the little ones. All the items, like Cadbury Celebrations et al, were gift wrapped especially for the occasion of Diwali. Some students also gifted puzzle boxes, stationary items like pencil, rubber, scale etc. Some gifts carrying little financial value but a lot of meaning and perspective while the others carried a lot of both. 

The last day was the best part of the Theme “We Share Because We Care”, as the 52 children along with their teachers were invited to IIPM Campus Delhi. Prof. Rohit Manchanda (Dean-center for HRD, IIPM) was the guest of Honor for the day. Students had fun with these kids by playing dog and the bone and by making the children participate in the dance session. Then later these kids were motivated to sing poems that they have learnt. These little children were also served grilled sandwiches by Salad Chef. In return, the kids showered their love upon us by gifting their hand colored greeting cards. 

Finally, we bid farewell to them by wishing them good luck and handing over all the gifts that were solely purchased for them. We hope that this event was as memorable for them as it was for all of us.

Free Good Knight Naturals Mosquito Repellent cream.

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More car owners behind on auto loans

Consumers straining to meet household expenses are taking longer and longer to make their car payments, increasing the risk they'll default on those loans and potentially making it harder and more expensive for everyone else to get car loans. Car loans that were 60 days past due — and likely to soon go into default — were up 17% in the fourth quarter, says Experian Automotive credit tracking. And the share of loans 60 days past due is expected to be up 40% by December, compared with the share in December 2007, TransUnion Credit says.

HELP? Companies try to make cars, apartments layoff-proof

Even with the increases, 60-day delinquent loans remain only about 1% of outstanding loans. But any rise is bad news for buyers, who've already seen lenders tighten standards. They are less willing to lend to subprime customers and asking for larger down payments even from customers with solid credit histories. Lenders are also less willing to issue loans that are for more than a car is worth — a practice that had been common this decade as buyers traded cars on which they still owed money and wrapped that amount into their new loan.

"A lot of lenders made changes in 2008 to their lending practices," says Melinda Zabritski, director of automotive credit for Experian Automotive. "I expect to see that holding steady for the rest of this year."

Experian says 60-day delinquencies are highest in Mississippi, the District of Columbia, Alabama, Georgia and South Carolina. Delinquencies are lowest in North Dakota, Arkansas, South Dakota, Montana and Wyoming. Buyers in those areas tend to borrow less, says TransUnion, and are more likely to make their payments because they rely more on their cars.

The average loan for a new vehicle was $24,444 in the fourth quarter, down $338 from the first quarter of last year, Experian says.

Auto sales have taken a beating in recent months, down 39.4% year-to-date. Rebates and incentives are up 7.1% through the end of February, according to industry tracking firm Autodata, as the automakers attempt to lure more buyers into showrooms.

But the cost of financing could soon start rising, says Pete Turek, automotive vice president in TransUnion's financial services group. Typically, lenders try to make up money they lose in delinquencies and repossessions by raising other customers' costs.

Says Turek, "When there's higher losses in an industry, the lenders will charge higher rates to account for those losses."

BEST INDIAN SURVEY SITE: THE PANEL STATION

The Panel Station: If you are interested or if u r a experts in doing surveys, this is the best site you can ever get.

It says:     "The Panel Station is essentially a community of consumers that shares its views and opinions about a variety of products and services via online market research surveys. The idea being to harness authentic consumer opinions and delivering it as insights to companies worldwide. "

I am member in this site since august 2008 . Sincerely speaking ,no others sites in india will provide such assured gifts as panel station .

 

 -

There is a wast range of assured gifts it provide is:

• ITZ CASH POINTS
• LATEST MOVIE CDS
• ZIP CASH POINTS
• SHOPPERS-STOP VOUCHERS
• MOBILE RECHARGE
• DONATIONS TO CHARITY

and many more

India pioneers global plan to green economy

India will be one of two countries to pioneer "a global partnership that will fundamentally change the way governments value their ecosystems", World Bank President Robert B. Zoellick announced here on Thursday.

"We are here to do something that none has done before," Zoellick declared at a press conference on the sidelines of the Oct 18-29 UN biodiversity summit. That something is to ensure that countries take into account the services provided by their ecosystems - the value of the water stored underground because a forest allows more water to seep in, for example.

"This is a concept now widely accepted," Zoellick said. "Now we have to take the valuations provided by projects like TEEB (The Economics of Ecosystems and Biodiversity) to ministries of finance and government economic agencies around the world."

Compare Car Loan Rates (Last Edited: Oct 8, 2010)

Bank Rate (%) Eligibility Min Loan (Rs) Max Loan (%) Min Tenure (Months) Max Tenure (Months) Processing Fee         Orissa State Co-operative Bank Ltd 0.00 0.00 75.00 12 60 More Info The Mahanagar Co-op Bank Ltd 0.00 0.00 90.00 12 60 More Info The Saraswat Coop Bank Ltd 0.00 0.00 0.00 12 84 More Info State Bank of India 8.00 Age: 21 - 58 Yrs. Salary: Rs 12000.00 More 50000.00 85.00 12 84 More Info State Bank of Bikaner and Jaipur 8.00 50000.00 85.00 36 84 More Info Catholic Syrian Bank 9.00 50000.00 85.00 12 60 More Info The Ahmedabad Mercantile Co-op. Bank Ltd 9.00 2500000.00 0.00 0 0 More Info Kotak Mahindra Bank 10.00 Age: 21 - 58 Yrs. Salary: Rs 6000.00 More 75000.00 90.00 12 60 More Info Indian Bank 10.25 50000.00 85.00 12 60 More Info Federal Bank 10.50 25000.00 85.00 12 60 More Info The Surat People’s Cooperative bank 10.50 1500000.00 0.00 12 60 More Info Bank of Maharashtra 10.75 50000.00 85.00 12 84 More Info HDFC Bank 11.00 Age: 21 - 58 Yrs. Salary: Rs 8000.00 More 50000.00 100.00 12 84 View More Info Bank of Baroda 11.00 Age: 21 - 58 Yrs. Salary: Rs 6000.00 More 50000.00 70.00 12 84 More Info Punjab National Bank 11.00 Age: 21 - 58 Yrs. Salary: Rs 7000.00 More 50000.00 80.00 12 84 More Info Dena Bank 11.00 50000.00 85.00 12 84 More Info Corporation Bank 11.00 50000.00 85.00 12 84 More Info Allahabad Bank 11.00 50000.00 90.00 12 84 More Info Canara Bank 11.00 50000.00 90.00 12 72 More Info Central Bank of India 11.00 50000.00 85.00 12 84 More Info Karnataka bank 11.00 50000.00 85.00 12 60 More Info Union Bank of India 11.00 50000.00 85.00 12 60 More Info Vijaya Bank 11.50 50000.00 80.00 12 72 More Info Oriental Bank of Commerce 11.25 50000.00 85.00 12 84 More Info State Bank of Mysore 11.25 50000.00 90.00 12 84 More Info State Bank of Hyderabad 11.25 100000.00 85.00 12 84 More Info State Bank of Travancore 11.25 50000.00 85.00 12 84 More Info State Bank of Patiala 11.25 50000.00 85.00 12 84 More Info State Bank of Indore 11.25 100000.00 85.00 12 84 More Info THE HP State Co-operative Bank Ltd. 11.25 100000.00 350000.00 15 0 More Info Bank of India 11.50 50000.00 90.00 12 84 More Info UCO bank 11.50 50000.00 85.00 12 84 More Info Indian Overseas Bank 11.50 50000.00 90.00 12 60 More Info Syndicate Bank 11.50 50000.00 95.00 12 72 More Info Andhra Bank 11.50 50000.00 85.00 12 72 More Info Karnataka State Cooperative Apex Bank Ltd 11.50 100000.00 2000000.00 12 60 More Info SBI Commercial and International Bank Ltd. 11.50 50000.00 0.00 12 84 More Info Abhyudaya Co-op. Bank Ltd. 12.00 0.00 1000000.00 12 60 More Info ICICI Bank 13.00 Age: 21 - 58 Yrs. Salary: Rs 8000.00 More 100000.00 90.00 12 60 View More Info Citi Bank 13.25 Age: 21 - 58 Yrs. Salary: Rs 8000.00 More 100000.00 90.00 12 60 More Info Tamilnad Mercantile Bank Ltd 13.50 5000000.00 0.00 5 0 More Info City Union Bank Ltd. 13.50 500000.00 0.00 12 60 More Info The Lakshmi Vilas Bank Limited 14.00 0.00 80.00 12 60 More Info AXIS BANK 15.00 Age: 21 - 58 Yrs. Salary: Rs 8000.00 More 100000.00 85.00 12 84 More Info ABN AMRO 15.00 50000.00 85.00 12 84 More Info

* Preferred banks for selected manufacturer.