Real Estate Deposit vs Down Payment

When you’re selling your home, you have to be familiar with related real-estate lingo. You have to know the difference between a canopy and an awning; a mortgage and a loan; and most importantly, the difference between a deposit and a down payment.

Believe it or not, there are a lot of home sellers who think that deposits and down payments are one and the same, when in reality they are not.

A deposit is the money given or handed over to the owner when a buyer indicates a sincere desire to purchase the property being sold. It is a token amount that could be as small as a few hundred dollars, or as big as 5% of the total purchase price. The deposit can be returned when the transaction does not fall through for reasons beyond the control of the buyer, and can also be forfeited in favour of the seller. When the purchase pushes through, the deposit is credited to the buyer and forms part of his down payment.

A down payment or equity, on the other hand, can be considered as an initial payment on the property itself. It is given when the buyer has decided to actually purchase the house (unlike in deposit, where it is given when the buyer indicates a desire to buy the unit). The down payment is the total amount of money a buyer can give as a partial payment and is generally of a bigger value (10% of the total property cost, or more) than regular deposits.

It’s fairly easy to differentiate. Just remember that a deposit is smaller and, once the transaction pushes through, becomes part of the down payment. The total of these two, plus any outstanding balance, should be the agreed upon purchase price of the property.

A Guide to PC Memory

When it comes to improving the performance of your PC, purchasing additional RAM is despite the least expensive yet most effective route a person can take. While the solution appears simple, the dizzying array of memory available for purchase today can make the actual decision process problematic for all but the tech-savvy individuals. A very wide selection of differenting RAM types are available for purchase today, SDRAM, EDO, RDRAM, and DRAM to name a few. Knowing how to determine what RAM types are compatible with your current PC setup and what RAM choice will give you the greatest performance are key to making the correct decision.

The purpose of this guide is to give the reader a general understanding of what RAM is, what types of RAM exist, and how to decide what RAM would make the best purchase choice.

What is RAM?

The acronym RAM stands for Random Access Memory. RAM is where data is stored within your PC so that said data can be accessed by your PC's processor, or CPU. RAM should be considered as temporary memory within your PC, in order for RAM to maintain its data storage it must receive a continuous pulse of electricity. Any data that exists solely within a PC's RAM will be deleted when the PC is shut off or loses power.

PC's utilize several common technologies to store data internally on a more permanent level than RAM. These storage mediums include ROM – Read Only Memory, Hard Drives – which store data magnetically in a permanent – or depending on your usage – semi-permanent fashion, CDRWs, DVDRWs, Floppy Disks and Tapes. All of these data storage methods can be considered more reliable than RAM data storage, although none of them offer the speed of data access that RAM does.

RAM stores data that is essential for a PCs immediate operation and does so in an extremely fast and reliable way. RAM allows for a PC to operate at speeds that would be unachievable if it were replaced by more permanent data storage mediums. Think of RAM as a "fast lane" on an expressway. RAM allows for a function or application's most important data to have the fastest possible access to the processor. RAM exists as a "fast lane" for data that needs immediate attention by your PCs CPU. As such, the more RAM your PC has accesses to, the more "fast lanes" that are available for your PC's functions and applications to access your PC's CPU, the faster your PC will perform.

Types of RAM

SDRAM, DDR-SDRAM and RAMBUS are the three major types of RAM, or PC memory, in use today.

Modern RAM

Before the introduction of SDRAM, PC memory is operated asynchronously from a PC's Clock Speed. This asynchronous operation would create data bottlenecks within a PC itself and slow overall performance. Clock speed is the speed at which a microprocessor executes instructions; Every computer contains an internal clock that regulates the rate at which data is processed and synchronizes a PC's individual components. As it stands to reason, the faster a PC's clock speed, the faster a PC's CPU can process data. Before RAM was synchronized to operate at the same speed as the rest of a PC's components, a PC's CPU would be would be forced into the occasional delay while waiting for the RAM to be available to accept data. In theory, as long as SDRAM operated at the same speed as the system clock, it would be available to the system on a regular and consistent basis – thus eliminating data bottlenecks. By regulating RAM and tying its performance to the system clock, memory manufacturers have been forced to increase memory performance to match PC clock speeds.


SDRAM – Synchronous Dynamic Random Access Memory – was the natural result of the PC industries search for better RAM and PC performance.

SDRAM is available 66, 100 and 133MHz speeds, known as PC66, PC100 and PC133 respectively. 66MHz RAM, in theory, would perform 66.6 million cycles per second and would be compatible with a 66MHz clock speed. Generally memory is considered to be backward compatible, so a pc with a clock speed of 100MHz could accept a memory module with a clock speed of 100MHz. The drawback being that the memory will only operate at the 100MHz speed.

SDRAM is no longer the memory of choice for modern PC's, however, due to the many PCs still on the market that utilize SDRAM, it is certain that memory manufacturers will continue to produce this memory for some time. SDRAM has been in the marketplace for some time and as such is widely available for purchase as a used yet guaranteed product. This used availability offers the buyer the opportunity to save a great deal of money on its purchase, yet sacrifice a bare minimum with regard to reliability as RAM has no moving parts and is generally very durable and long lasting.


DDR and DDR2 – Double Data Rate SDRAM – was again a natural result of the PC Industries search for better RAM and PC Performance. DDR memory has been available since the late 1990's and is a great leap forward in RAM performance. Essentially, DDR RAM achieves its improved performance by transferring data to the processor twice, instead of once in the case of SDRAM, per clock cycle. Theoretically, a RAM module that refreshes the processor twice per clock cycle should equate to twice the performance offered by SDRAM. In reality DDR does not really offer twice the performance of SDRAM, however it is a signaling improvement over the older standard.

Types of DDR and DDR2 memory that are available include PC1600 – 200MHz, PC2200 – 533MHz, PC4200 – 533MHz, PC4200 – 533MHz, PC3500 – 400MHz, PC3500 – The first number represents the maximum memory bandwidth, in megabytes, that a RAM module can provide per second. The second number, MHz, is the clock speed that the module is compatible with. As with SDRAM, the memory is backward compatible, a PC2100 chip with a 266MHz clock speed with work with a PC with a clock speed of both 266MHz and 200MHz.

DDR and DDR2 memory are the current standard in the PC industry and will continue to be manufactured for some time. As with SDRAM, DDR and DDR2 types have been in the market for some time and are available as used or refurbished. Both used and refurbished DDR memory can offer substantial savings when purchased while giving the user similar reliability to new product.


RAMBUS – RDRAM – was developed by the RAMBUS Corporation and can be considered to be a proprietary version of RAM as only the RAMBUS company manufacturers it. RAMBUS is a high-performance version of RAM generally found in high-end business class PCs. Today very few manufacturers use the RAMBUS standard as DDR and DDR2 memory offers similar, and in some cases better performance. RAMBUS memory can be found in speeds of PC800, PC1066 and PC1200. Usually you can purchase RAMBUS PC800- () the () will contain a number that references the chips speed in nano-seconds, ie PC800-45.

Memory and Performance:

While adding more memory does not ensure faster performance, not enough memory will guarantee slow downs. Having plenty of memory installed on your PC helps to ensure that your PC operates at its peak speeds and efficiency. Adding memory almost always results in a performance boost, especially if you run larger applications or multiple applications simultaniously. It is important to note that if you triple your current installed memory you will not see a three-fold boost in performance. You will almost always see some gain in performance, but you will go a long way in eliminating slow downs.

It will always be my contention and a good rule of thumb that you can never have too much memory. Maxing out you configuration with memory will help to guarantee the peak performance of your PC.

How to Choose Memory:

Choosing memory is dependent on several factors. First is the consideration of compatibility. Whether you are building a new PC or simply adding memory to an existing system, it is of key importance that the memory you purchase is compatible with your motherboard. Most motherboards accept a specific standard of memory, SDRAM, DDR, DDR2 or RAMBUS. To determine what type of memory that your PC will accept, you can either consult your motherboards owners' manual, or, if this is not available, inspecting the motherboard for brand and model number will allow you to go online and determine the compatible memory type .

Generally a motherboard that accepts SDRAM will accept memory modules that have a higher rated speed in MHz than what is specified by the board's manufacturer. For example, if your current motherboard has a clock speed of 66MHz and accepts PC66 SDRAM, you can install either PC100 or PC133 RAM chips. The board will only utilize the memory at its maximum speed however, so a PC133 SDRAM module will only operate at 66MHz speed. It is important to determine what RAM speeds – MHz – that your board is compatible with before making a purchase.

You should also consult either you owners manual or online documentation to determine the maximum memory that your board will support and physically inspect the board to determine how many available memory slots there are. Usually you will want to use the largest and fastest RAM chips that your board will support and fill all available slots with matching memory speeds. For example, your board has three available slots and currently one is in use by a DDR PC2100 266MHz RAM module. You discover that your board will accept DDR RAM up to PC2700 333MHz speeds. If you were to fill the remaining to slots with PC2700 memory, your memory would only function at the speed of the slowest RAM module, in this case 266 MHz.

New vs. Used:

Due to the sheer amount of memory manufactured within the last years, you will find an abundance of used memory for sale. When it comes to getting the most for your money, it should be noted that purchasing used memory is a great way to save money while getting similar reliability and performance as compared to new. RAM has no moving parts to speak of and as such is highly durable and reliable.

Spend some time researching prices between new and used memory modules. If you can purchase used or refurbished modules from sellers who will offer warranties, you may be making a major mistake spending that extra money on new RAM.

A little research on your part can help you to not only ensure that you see the maximum performance out of your PC set up, but also go a long way toward saving you money both in the short and long term.

Copyright 2006 , Brad Calli

A Guide to Help You Pick Your Next Piece of Furniture

Buying furniture does not have to be a stressful or painful activity. In fact, it can actually be a bit fun when you know how to distinguish the quality pieces from those destined for the dumpster. The following guide will hopefully demystify the inner workings and construction of furniture so you can focus on picking out the perfect color, print, and texture for your home.

Upholstered Furniture

Your furniture sets the mood, tone, and overall feel of your home just as your wardrobe conveys these same exercises about you. Upholstered furniture is perhaps the most telling sign of these characteristics as the use of color, design, and texture come into play more here than with any other type of furniture. Pieces that generally fall into the 'upholstered' category include chairs, sofas, love seats, sectionals, and sofa beds. This guide is designed to make your decision less daunting by eliminating some technical terms and giving you some insight into what lies benefit the cloths and cushions.

Woven Fabric Covers

Woven fabric means simply that the fabric is woven by a machine that interlaces two yarns running at right angles to each other. The most widely used group of decorative upholsteries sold in the United States consist of woven fabrics. These woven fabrics can be natural, such as linen and cotton, or man-made fibers like polyester and olefin. In most cases, fabrics are blends of various fibers like the popular cotton-polyester blend. The most popular types of weaves are as follows:

O Jacquard weaves are fabrics with differently colored yarns or fibers woven into highly decorative designs. These weaves are most often found in traditional furniture styles.

O Pile fabrics have loops or cut fibers standing up densely from the surface to form a three-dimensional texture. Depending on color and design, pile fabrics can be suitable for traditional or contemporary furniture.

O Textured fabrics are woven from yarns that have been processed to give them more bulk, crimp, stretch, or otherwise altered. Chenille is an example of a very popular textured weave. Textured fabrics are often woven to resembble antique, homespun cloth.

O Plain-woven fabrics consist of one color with their character resulting from the type of yarn or fiber used. Depending on the texture, plain weaves can be used on formal or informal furniture and with a variety of styles.

O Printed fabrics are first woven and then printed with a decorative design. Chintz and polished cotton are examples of fabrics that are often used for prints, although textured fabrics with blends of nylon, rayon, cotton, and polyester fibers are also often printed.

Non-Woven Fabric Covers

Non-woven fabrics are produced by the bonding and or interlocking of fibers. These fabrics can be made by mechanical, chemical, thermal, or solvent means, or with an adhesive, or any combination of these. Examples of non-woven fabrics include:

O Vinyl , which may or may not be laminated to a fabric backing. Vinyls are preferred on furniture that is subject to hard usage. Also called Naugahyde®, vinyl is often thought of as a substitute for leather, and can be printed in a variety of patterns.

O Flocked fabrics are made by gluing pieces of cut fibers onto a flat woven cloth base. These fibers form a three-dimensional surface much like pile. Flocked velvet is an example of this kind of fabric.

O Knitted fabrics are made by interlooping one or more sets of yarns. This is a reliably inexpensive way of manufacturing fabric.

O Suede-like fabrics , such as Ultrasuede® are often used in decorative upholstered furniture covers to give the look and feel of genuine suede, without using animal hides and usually at less cost.

Inner Construction

The construction and inner workings of an upholstered piece of furniture can be as mysterious as an episode of Murder, She Wrote (ask your Grandma). But hidden under the decorative fabric or cover lies the secret to the piece's overall function, comfort, and longevity. No need to call Angela Lansbury in order to solve this case, read on as we forget what makes your chair or sofa tick.

The frame is the single most important component in determining whether or not a piece of furniture is going to stand the test of time. You probably figured wood as being the most commonly used frame material, and this, of course, is true. But any old hunk of tree will not due if you plan on passing this wonderful chair, sofa, love seat, or whatever on to your children or grandchildren (they'll probably just put it in storage or sell it at a yard sale anyway ). Hardwoods, such as oak, alder, ash, beech and birch are what you're looking for in a frame. These hardwoods have a tighter grain and allow for screws, pegs, and nails to be set securely. Also, the best-made frames use wood that has been kiln-dried . This process consist of heating the wood in an industrial oven to remove excess sap and moisture. The process also makes the wood resistant to absorbing any outside moisture. If you're wondering what the problem is with moisture, I'll tell you. If you already know the answer to this, then skip to the next paragraph Mr. Egypt Smarty-Pants. Moisture can cause warping and swelling, can lead to loose joints and fastenings, and in severe cases can cause mildew or rotting, other than that, it's great.

The quality of the frame depends not only on the materials used, but how they're joined and held together. To create a strong, rigid frame, a variety of woods and laminates can be used in joints and for blocking and doweling.

O Joints are places where one piece of the frame meets another. These points of intersection need to be secured and reinforced with blocks and dowels to allow the frame to hold up over time.

O Blocking reiter to placing additional 'blocks' of wood behind or diagonal to joints and corners to help relieve the stress these areas encounter. Blocks also provide lateral support and create a larger area for screws and fasteners to set wood elements securely.

O Doweling is the process of drilling into both pieces of the joint and then placing a pin, or dowel into the hole, so further connecting the two pieces and adding extra support.

A quality chair or sofa will employ some type of inner spring system, usually in the back as well as the seat area. These systems add comfort, as you might expect, but they also work to take some of the stress off the joints of the frame. Here are some of the spring systems being used:

O The coil or cone spring system uses eight-way, hand-tied double cone springs to provide extra comfort and support. This technique involves fastening the cone springs tightly to the base and expertly tying their tops together with a strong cord. This is the only system that allows for side-to-side movement in addition to up and down movement. Hand-crafted quality comes at a price, though, and while this is widely considered the best spring system, it is also the most expensive.

O The sinuous wire spring is made in a continuous zigzag or "S" shape. These wires run parallel to each other and are quickly directly to the frame and to each other. Similar to this system is the formed wire spring, where the continuous wire is formed into rectangular bends and angles instead of the zigzag pattern.

O The grid suspension system is composed of a wire grid, sometimes covered with paper or plastic-coated wire, which has one side fastened directly to the frame. The other side is connected to the frame by helical springs.

O Some manufacturers use elastic webbing instead of wire springs. The strips of elastic usually intersect and weave together and are fastened directly to the frame. It is best to avoid furniture that uses this technique.

Arm yourself with this knowledge and make a more informed choice the next time you purchase furniture.

Business Broadband Deals

Any business, whether it is home based or, a large enterprise that employs several individuals, choosing the best broadband deals would go a long way in helping the owner of the business save a great deal in terms of the money as well as the time invested . Irrespective of the nature of the size of the business venture, the number of employees that it employs or the genre of the business, it would need a phone as well as an Internet to operate and function these days. It becomes imperative that business owners thoroughly analyze the existing market and only then opt for the best broadband package that would best suit their company's financial as well as future prospects.

While going in for Business Broadband Deals, it would augur well for companies to compare several other packages available, procuring quotes from other service providers and comparing them, separately from visiting the websites of the companies and comprehensively scrutinizing the feedback of the customers as these measures Would only help in accelerating their savings. By choosing both the phone as well as the Broadband packages as one collective deal, the customers secure the benefit of saving hugely on the price per deal. But on the other hand, if the customers take the time off to compare a variety of providers before getting to closing in on one, they stand a better chance of finding a better service provider at a more affordable cost. Based upon the number of employees in the office, the number of computers installed separately from the number of phones used by the employees, it would always be better that the business owner chooses to go in for a Business Broadband Deal that is wireless, as so That each employee not only has an access to the internet, but also to the wireless phone connection at their work stations.

There would be multiple Business Broadband sermons. Depending upon how many computers are there on the network and the network that the business houses are wanting to conduct their businesses in, it would be far more practical and viable that the business enterprises go in for faster network speeds so that their customers could get To have a quick insight into the inventory orders placed and any other information as fast as they possibly could or possibly redress issues that might come with a client or a client order. A speedy and a quick broadband connectivity would also mean a better productivity of the employees, maximum output as well as better client response and revenues.

Businesses these days prefer to opt for bundled up packages of both the phone as well as the Broadband Deals as they come by at lower rates as well as services. These packages also rest assure the customers that the quality of the services as well as that of the Internet would be as fast and as easily accessible as ever.


Getting the best of the Business Broadband Deals is not that difficult a proposition. No matter what the size of the company might be, there are Broadband package to be every business and every budget.


This would mean that the company is not left in the dark, if and when the Internet connection snaps off. As most levels of business packages offer some level of extra support, the businesses would not have to be left in the lurch without any adequate backup support, never mind if it only is a dialup support.


This ensures that the companies go in for a good as well as an economic service provider, that saves both the time as well as the money of the business owner in terms of ANY lost files and information being both saved as well as retrieved, as when Necessary. Since hackers generally target business computers rather than home computers, it would auger well for business homes to keep their internet connection secure with the basic security. And most Business Broadband packages come with the extended facility where, the customers could get to choose the levels of security that would best suit their company at all levels.


This is one other aspect that business owners need to worry about and not the home owners per se, as the businesses would have to use various connections like the FTP and the Web Servers from their existing servers. Normally, it is pretty simple to organize and set up these types of ports that come with these extended services. But to do this, the customer has to ensure that the business has a static IP address which would mean a single address to any business that does NOT change and one that is constant, unlike a home based Broadband.


This feature as well as factor is incredibly important as this would play a cruel role in helping new establishments and companies save up on HUGE revenues when they desire to set up their business ventures. A better way to get the best broadband deal, would be through comparing the prices of other service providers, their price, the quality of their service, the customer support offered. Neverheless, what has to be reckoned with is that not all Business Broadband packages come with similar affordable rates and services.


We are in the time and age of a communication revolution and communication influx. Businesses have over the recent past, completely metamorphosed the manner in which they operate and function. Technology has incredibly transformed the very fabric of business functionalities. The need of the hour is for businesses to be more technologically savvy and adapt to the changing technological environments, so that their businesses become more lucrative for their clients and their employees in turn get to become more productive and efficient. The future is all about choosing the best of Business Broadband Deals that enable organizations to accelerate the momentum of their businesses and gain better profits.