Saturday, April 9, 2016

What Is Glass-Steagall?

Eight times in Tuesday night’s Democratic debate, candidates mentioned a law that Congress passed in 1933, was signed by Franklin Delano Roosevelt, and hasn’t been the law of the land in the United States for 16 years.

This prompts some obvious questions. What is the Glass-Steagall Act, why do the candidates Bernie Sanders and Martin O’Malley want to reinstate it, and how did it come to star in a presidential debate in 2015?

What is the Glass-Steagall Act?

When people talk about banking, they are talking about two broad classes of activities. Commercial banking is what happens at your neighborhood branch: You deposit money in a checking or savings account, and the bank uses those deposits to make loans to consumers or small businesses. Investment banking refers to the kind of banking activity more common on Wall Street, like helping large companies issue stock or bonds in order to fund themselves, and trading securities in hope of making a profit.

In the depths of the Great Depression, a widespread view was that the nation’s ills stemmed from these two types of banking having become intertwined. Problems on Wall Street rippled through the financial system to cause ordinary depositors to lose money and ordinary bank lending to dry up.

The government’s response was the Banking Act of 1933, commonly known as the Glass-Steagall Act (for the bill’s sponsors, Senator Carter Glass of Virginia and Representative Henry Steagall of Alabama), which required that commercial banking and securities activities be separated, not to take place within the same financial institution.

Why and how was it repealed?

Over the years, banks chafed at the limits on what businesses they could enter. The largest banks found themselves at a competitive disadvantage with banks from Europe that faced no such limitations and could offer both commercial and investment banking services to clients. Smaller banks in the United States wanted to begin offering investment management services.

Bankers and many regulators argued that the risks Glass-Steagall aimed to guard against were overstated (and indeed regulators began allowing activity that violated the spirit of the law well before it was formally repealed). In 1999, Congress passed and Bill Clinton signed the Gramm-Leach-Bliley Act, overturning Glass-Steagall.

Continue reading the main story

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The action allowed the rise of several very large banks in the United States with business lines that cut across both commercial lending and securities business, particularly Citigroup, JPMorgan Chase and Bank of America. Those three banks alone have combined assets of about $6.5 trillion, or 36 percent of the United States’ gross domestic product.

So did that cause the financial crisis?

Not exactly! In a popular retelling (see for example this version from Aaron Sorkin’s HBO show “Newsroom”), it was the repeal of Glass-Steagall that unleashed the era of Wall Street risk-taking and the 2008 global financial crisis.

There’s no question that aggressive risk-taking by financial firms was a key driver of the crisis. But the arguments that Glass-Steagall’s repeal — that is, the commingling of investment banking and commercial banking within the same firm — was a major cause are tenuous.

Of the big firms that got into trouble and helped trigger the crisis, only a few were the mega-banks enabled by the action on Glass-Steagall.

Bear Stearns, Lehman Brothers, Merrill Lynch, Goldman Sachs and Morgan Stanley were all traditional investment banks heading into the crisis. Fannie Mae and Freddie Mac were government-sponsored housing finance companies. A.I.G. was an insurance company. Some of the banks that were most aggressive about making subprime and other risky mortgage loans included Washington Mutual and Countrywide, both of which were organized as a savings and loan in the run-up to the crisis. Wachovia was a big commercial bank that had also gotten into the insurance and securities businesses — but it collapsed not because of those activities but because of its top-of-the-market acquisition of mortgage lender Golden West.

It is true that two of the biggest bailout recipients were mega-banks with both commercial and investment banking arms, Citigroup and Bank of America. And while JPMorgan Chase and Wells Fargo weathered the crisis relatively well, they also accepted bailouts at the insistence of the Treasury and Federal Reserve in 2008.

In other words, the mega-banks that were enabled by Glass-Steagall repeal were certainly among the firms that caused the crisis, and did require bailouts. It is less clear that they were meaningfully more culpable than companies whose structure had nothing to do with the Glass-Steagall repeal, or that the existence of both commercial banking and investment banking under the same corporate entity was a primary reason they got into trouble.

The stronger arguments for Glass-Steagall repeal as a cause of the crisis are also subtler ones. The investment manager Barry Ritholtz, for example, has argued that “the repeal of Glass-Steagall may not have caused the crisis — but its repeal was a factor that made it much worse” by allowing the mid-2000s credit bubble to inflate larger than it otherwise would have and making banks more complex and thus prone to failure.

How does the Volcker Rule fit into this?

The Dodd-Frank financial reform law in 2010 included a rule that aimed to reduce risky activity in mega-banks — in other words, to address some of the same vulnerabilities that Glass-Steagall was designed to prevent without breaking up the banks completely.

The Volcker Rule, named for the former Fed chairman Paul Volcker, aims to prevent systemically important banks from engaging in casino-style trading activity. So, for example, Citigroup can still help a company issue bonds, but isn’t allowed to run an internal hedge fund in which traders place giant speculative bets on the direction of the Japanese yen.

Shaping those rules has been a hard-fought battle between financial reform advocates and the banks, and Hillary Clinton has proposed toughening it, including by eliminating a provision of the Dodd-Frank Act that allows banks to invest in risky hedge funds.

In other words, refinement of the Volcker Rule is a pathway for advocates of tougher limitations on banks’ risk-taking who do not want to break them up entirely.

So why is Glass-Steagall so central to the Democratic debate?

Glass-Steagall repeal is a useful cudgel for Bernie Sanders and Martin O’Malley to use against Hillary Clinton, not least because her husband signed the law that repealed it and because it is more instantly recognizable to many Democratic primary voters than, say, the tri-party repo market (a key part of the so-called shadow banking system that was one of the key transmission mechanisms for the 2008 crisis).

It allows them a point of differentiation with Mrs. Clinton, whose financial reform plan, released last week, includes big new fees on the biggest banks and new powers for regulators to break them up, but does not propose breaking up big banks outright.

In other words, the debate over Glass-Steagall reinstatement can be viewed as less about the gritty details of exactly what business lines Citigroup and JPMorgan should be allowed to engage in, and more about the general thrust of how aggressively to regulate Wall Street.

12 Computer (PC) Tricks You Should Try Right Now

Image result for computer pic
Computers have simplified our life to a great extent. Things that were impossible earlier can now be completed instantly thanks to computers. However, this does not mean that a PC is all work and no play.

Here are some of the best tricks you can try out on your Windows based computer.

  1. Have fun with Notepad
    If you think that Notepad is just a basic text editor, then, you will be amazed by its capabilities. You can use Notepad to create everything from personalized logs to harmless viruses that are incredibly annoying.Go see this post to know just how useful Notepad is.

  2. Command Prompt too has some tricks up its sleeves
    If you think that the Command prompt is a boring old program that no one uses, you are making a huge mistake. It can be used for everything from watching ASCII Star Wars to making folders that you cannot delete. See this post to know about all the cool stuff you can do with the Windows Command Prompt.

  3. Use Keyboard Shortcuts to get work done in no time
    If you are tired of having to alternate between your mouse and keyboard to operate your Windows computer, you would love to know these really useful keyboard shortcuts which greatly increase your speed and efficiency. See this post for details.

  4. Make your computer speak what you type
    You can use your PC's built in features and some VBScript magic to create a simple program that will make your computer speak whatever you input to it. Enter the right words and you could imitate a real conversation. Head over to this post to talk with your PC.

  5. Make your computer greet you every time you start Windows
    A simple modification in the previous trick will make your computer welcome you in its own mechanical voice every time you log onto Windows. This is achieved by placing the VBS script responsible for making your computer talk in the Start up folder. Read this post to have a computer said welcome.

  6. Find your computer's gender
    Want to know if your PC is a male or a female? Simple. Try the previous trick to know if your computer is a 'he' or a 'she'. On a serious note, this depends upon the voice you have selected in Microsoft Text to Speech options.

  7. Lock Folders with password
    If you have important personal files that you do not want other people to see, you can hide them in a password protected folder to prevent unwanted users from seeing them. Go see this post to hide your personal files effectively.
  8. Change your processor's name.
  9. Make a Keyboard Disco
    You can use some VBScript coding to create a live disco on your keyboard by making the LED lights flash alternately. See this post to know how your keyboard can turn into a disco.
  10. Recover permanently deleted files in Windows
    If you have ever deleted a file in Windows that you did not want to and now want to recover it, you would definitely want to know about some free tools to recover your deleted files easily.

  11. Use your Keyboard as Mouse.
    You know you can use your mouse as keyboard using the On-screen keyboard utility. What if I tell you that it is also possible to do the reverse? Just read this post to see how.

  12. Disable USB ports to prevent others from taking your data
    Ever wanted to disable your USB ports to prevent others from using their flash drives on your PC? This post explains how to do just that with a simple registry trick. Do note that disabling USB ports will also disable your USB connected peripheral devices.

  13. These tricks work on Windows 10Windows 8.1Windows 8Windows 7, Windows Vista and Windows XP.

House Sitting


  I'll be in Cambodia until 15' Oct 16' as circumstances dictate for the moment yet I am interested in "house sitting" world wide.
  I'm willing to house sit anywhere outside the continental US.

Thanks
ntech-solutions@live.com

12 Types of New Gadgets That Will Define 2016

Imagine an umbrella letting you know not to forget it. Or an infant car seat that wants to make sure your baby is going to have the safest ride ever. These are just two of the highlights from 2016's Consumer Electronics Show — the exhibition that defines technology trends and showcases gadgets for the year ahead.
Compared to recent years, the show's big themes weren't much different — there was still an emphasis on ideas like the smart home, virtual reality, and fitness gadgets. Whatwas different was a greater push from companies to make these ideas more accessible to the average person with practical gadgets. Other areas of life, like beauty and parenting, broke out more high-tech possibilities than ever before. For instance, this year saw the first-ever Beauty Tech Summit at CES.
Ahead, check out our picks for what we think will define tech in 2016. Don't be surprised if you find yourself a few months from now thinking about buying a smart fridge or high-tech thermometer.
Sure, kids can pick up a tablet or smartphone, but the true innovative toys are those that combine high tech and simplicity. The Moff band collaboration with Pac-Man is a perfect example of this. Kids wear the Moff band and swing their arms to play Pac-Man through an app — making them physically active while using a smartphone or tablet.
Everyday items are getting smarter.
Another trend picking up at CES? Turning common products into smart gadgets. Take the oombrella, for example. The smart umbrella lets you know when it's going to rain and reminds you not to leave it behind. It might not be the most necessary thing in the world, but it's pretty impressive.
Women's health is going high tech.
It's about time women's health took the floor at CES. Sure, we've had fitness trackers that appeal to women, but seeing products like the Pregnancy Pro stick by First Response that focus on reproductive health marks a step forward. It's the only test that connects via Bluetooth and offers several features in an app to take you through the steps of using it.
Virtual reality is becoming more accessible.
Whether you're really into virtual reality or not, you can't deny it's going to become part of our lives. While Oculus Rift certainly has most of the world talking, other virtual reality products are making their way to the everyday person. For example, popular smartphone case company Speck announced its own line of Pocket VR, complete with a phone case. The gadget lets you easily turn your smartphone into a way to use virtual reality without hurting your wallet.
View them all > http://tinyurl.com/zsdtkju

#1 in Tech Trends


Tech

 - Taking the world by storm, new and innovative tech devices are heightening consumer lives in unexpected ways. Shining the spotlight on everything from emerging multimedia, mobile usage and smartphones designs, Trend Hunter’s tech category is showcasing the latest developments in cutting-edge technology.

Please visit > http://www.trendhunter.com/tech

180 Days: Living Part-time in Mexico

Plans for 2017'

 Interior of a colonial home

There is a growing trend among foreign residents worldwide—including those who reside in Mexico: staying home for six months.
Some people want to leave behind the cold winters in their home country.  Others living in Mexico like to return home during the summer to avoid the sultry humidity that is prevalent at most of Mexico’s beach locations between May and October. Some enjoy Mexico for part of the year, and return to be reunited with their friends and family at home, or to take care of work or business matters there.
For Canadians and Europeans, maintaining a ‘legal residency’ in their home country gives them access to healthcare schemes provided to them by their welfare systems. Some expats prefer their home country in small doses, and love Mexico most when they only live here part-time.
Whatever the reason—they are too numerous and diverse to document in any meaningful way—part-time residency in Mexico is a growing trend among foreigners.
Mexico has long been a popular country for expats; it’s always had its mix of transient visitors and long-term residents who moved here and stayed for years—and even for life.
Today, foreign residents in Mexico appear more transient than in decades past; a trend that is perhaps being driven by affordable access to long-haul transportation, commercial trends (such as short-term and temporary work contracts), and technological shifts—in particular, the advent of independent ‘knowledge professionals’ working online: people who can ply a living by trading know-how, without having to be constantly situated in one specific place or office building.
For those who want to explore the opportunity to live in Mexico part-time, 180 days is a key number for several reasons.
If you’re planning to be in Mexico for this amount of time—or less—and don’t intend to participate in any remunerative activities that generate an income inside Mexico, then you needn’t apply for a resident visa: you can live here on your visitor’s permit (FMM) for up to six months.
If you want to maintain residency status in your home country (sometimes referred to legally as ‘being domiciled’), you usually have to be physically present there for at least 180 days in a year. Check your home country’s residency rules for precise details of how it defines ‘legal residency’.
There are other advantages to splitting your year into two equal parts.  You can get better deals in Mexico when you rent property for at least six months and, if you rent your principal home to help fund your six months in Mexico, a six month tenancy is usually the practical minimum you’d rent for. This is also true if you own two homes—one in your home country and one in Mexico—it’s easier to rent out the one you’re not using for six months.
Many part-time residents—particularly under-insured Americans—also use their extended stay in Mexico to undertake healthcare procedures at a fraction of the price that hospitals back home are charging for the same treatments. Even some Canadians and Europeans, whose publicly-funded healthcare systems don’t cover all bases—for example, dental care or cosmetic surgery—make use of their extended stay in Mexico for the same purpose.
Whether you’re exploring your options for living in Mexico full-time, part-time or for a fixed term, our guides to Living and Lifestyle in Mexico provide you with a comprehensive online resource to help research the opportunities, prepare yourself, and realize your plans.

Friday, April 8, 2016

What Are the Need-to-Knows When Buying One-Way Airline Tickets?

Some round-trip international flights are cheaper than one way.

If you're flying somewhere and staying there, or aren't sure when you're coming back, buying one-way airfare seems like a no-brainer. After all, you can always purchase a return ticket later. However, you need to take into consideration the growing popularity of discount airlines and airfares, increased competition between discount lines and legacy carriers, and the surprising truth that round-trip airfare is frequently cheaper than a one-way ticket. If you decide to purchase one-way airfare, bear in mind the potential drawbacks.
Get Low Fare Flights for One Way & Return Trips. Book Today & Save!
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Your Destination Matters

If you're purchasing a ticket to a domestic destination and do not need a return, a one-way ticket is almost always cheaper. U.S.-based discount airlines, such as Southwest Airlines and JetBlue, frequently offer one-way fares for under $100. The same goes for certain destinations in South America. For example, discount carrier Spirit Airlines sells tickets to Lima, Peru, on a per-leg basis. However, for travel to Europe or Asia, it's often cheaper to buy a round-trip ticket, especially if you prefer to fly with a major U.S. carrier.

Airlines Encourage Round-Trip

One-way flights are almost always significantly more expensive than round-trip fares, because airlines attempt to discourage passengers from booking for one way. Airlines, in general, dislike issuing one-way tickets because it disrupts flying schedules. Additionally, prices for one-way travel stay high because they're frequently purchased by business travelers on multi-leg trips, so corporate travel departments are accustomed to paying full price.

Beware Throwaway Ticketing

Throwaway ticketing is the practice of purchasing a round-trip ticket and throwing away the unneeded portion to get a one-way trip at a round-trip price. It's common among frequent flyers, but beware: Airline ticketing rules prohibit throwaway ticketing. If you fail to use the first portion and show up only for the return flight, the airline can charge hefty fees or even deny boarding. However, if you use the outgoing portion and don't show up for the return, the airline has no recourse.

Flexibility is Key

If you opt for a one-way ticket, being flexible will help keep the price down. A one-way flight leaving at 10 a.m, for example, will be more expensive than the first flight of the day -- often at 4 or 5 a.m. Consider flying during the week rather than the weekend; Tuesdays and Wednesdays are traditionally the cheapest days to fly. Search multiple travel sites and keep in mind that most travel sites do not post fares for discount carriers, so visit those sites individually.

Thursday, April 7, 2016

It's time to roam.

This blog is by no means finished. With 1 week left in Central America I'm taking some time off.

I head home soon and over to Asia 2 weeks after that. The first time in Asia I had to work, not this time. I'd like to think I'll learn more of the common man and his perceptions on his situation.

Saturday, April 2, 2016

Electrical systems & adapting.

Electrical Systems Banner.jpg

Electrical systems differ around the world - both in voltage and less critically, frequency. The physical interface (plugs and sockets) are also different and often incompatible. However, travellers with electrical appliances can take a few steps to ensure that they can be safely used at their destination.

Voltage and frequency.

Start by taking a look at the back of the device you want to use. If it says something like "100-240V, 50/60 Hz", it will work anywhere in the world with the right plugs. If you've got both covered, you can skip to the next section. If not, keep reading.
Dealing with electricity differences can be daunting, but it actually isn't too hard. There are only two main types of electric systems used around the world, with varying physical connections:
  • 100-127 volt, at 60 hertz frequency (in general: North and Central Americas, Western Japan)
  • 220-240 volt, at 50 hertz frequency (in general: the rest of the world, with some exceptions)
Occasionally, you will find 100-127 volts at 50 Hz, such as in TokyoMadagascar, and some Caribbean islands. On the other hand, there's 220-240 volts at 60 Hz, such as in South KoreaPeruPhilippines some states of Brazil and Guyana. A few other countries using 60 Hz are internally divided, with 100-127 volts in some locations, and 220-240 volts in others, such as in Brazil, Some areas in thePhilippines, and Saudi Arabia. Be extra careful each time you travel to a new destination within these countries, and ask about the voltage. Be aware of multiphase electrical systems (see below under Large Appliance Power).
If the voltage and frequency for your device is the same as where you are travelling, then you need to worry only about the physical plug. (The small difference between 110V and 120V is within the tolerances of most electrical devices. Likewise for 220V and 240V.)
If the voltage provided by the local supply is not within the range accepted by your device, then you will need a transformer or converter to convert the voltage. Most travel accessory sources offer them and come with several plug adapters to solve all but the most exotic needs.

Plugs and adapters.

A device that lets you insert a plug into a different socket is an adapter: these are small, cheap and safe. For example, between Britain and Germany, you need only an adapter. You stick your British plug in the adapter, which connects the rectangular phase/live and neutral prongs to the round German ones and puts the ground where the German outlet expects it. Then, you're good to go.
Unfortunately, there are many different plugs in the world. The three most widespread standards are the following:
  • The "American" (Type A or B) plug, with two vertical pins
  • The "European" (Type C or F) plug, with two round pins
  • The "British" (Type G) plug, with three rectangular pins
If your device has one of these plugs and you can adapt it to the others, you have 90% of the world covered. (The main exceptions are South AfricaAustraliaNew ZealandArgentina, and parts of China, which use a Type I plug with two slanted pins.) Adapters between Type A and Type C and from C toG are tiny and cheap; converting Type A into G or Type G into anything else, on the other hand, needs a bulkier model.
For hobbyists: if you can't find an adapter, and you're staying for a longer time, just buy a separate plug at your destination, remove the existing plug, and attach the new one. Unlike adapters, plugs are always available, and they're generally cheaper too. Caution: try this only if you know what you're doing! (Fire and/or electrocution are possible if you are inexperienced.)
As a last resort, a Type C plug can be forced into a Type G socket without any converter at all if you ignore what your mother told you and stick a pen or similar pointy object into the center (ground) hole, which fools the socket into thinking a ground pin has been inserted and opens up the other holes. (This is, in fact, exactly what cheap C-to-G adapters do.) Disable the power to the socket and try to use something non-conductive (a dry non-metallic object) to do this! This procedure will damage the socket and could be unlawful in some countries, so expect the owner to be displeased.
There's one more complication to consider: any two-pin socket is ungrounded, but all three-pin plugs are grounded. Trying to get grounding to work makes life more difficult, as any of sockets C, D, E, F, H, J, K or L will happily accept the ungrounded plug C but will not work with any grounded variant other than their own. Do not use an adapter to turn a three-pin into a two-pin: this will disable grounding, potentially leaving you vulnerable to electrocution and other electrical nastiness.
A last word of warning: many developing countries use multi-plug sockets that accept (say) both Type A and Type C. Don't assume the voltage is correct just because the plug fits, since a Thai Type A+C socket still carries 220V and may destroy American (110V) Type A devices.


Transformer or converter?

If you are using a 220V-240V appliance at 110V, you will need a transformer.
If you are using a 110V appliance at 220V-240V, you can also use a transformer but may be able to get away with a (cheaper) converter.
If your device is an electric appliance with a heating element or mechanical motor such as an iron or hair-dryer, then you can probably just use a converter, but make sure your transformer or converter is fully rated to deliver the amps and watts your device needs. If your device is electronic and uses electronic chips or circuits, such as a computer, printer, TV, microwave, VCR or even a battery charger, you will need a transformer.
Before you purchase what you believe is your solution, understand the discussion below.

Transformers[edit]

  • They have two different types: "step-up" and "step-down". Step-up transformers allow you to plug a higher-voltage device into a lower-voltage power socket (such as using a UK device in the US). Step-down transformers allow you to plug a lower-voltage device into a higher-voltage socket (such as using a US device in the UK). Some transformers offer both. Take care to use the right type: if you plugged a 110-to-220 V step-up transformer into a 220 V socket, you would get 440 V and a fried device.
  • You must also make sure that the power rating (wattage) of your transformer is at least 10% greater than that of the device; otherwise, the transformer can overheat and even catch fire. Before buying a transformer, look for the "input" figure: usually on the device's plug or in the manual. Some don't display wattage, but you can work it out simply by multiplying the voltage (V) and the current (amps (A); if it is miliamps (mA), divide by 1,000). The resulting figure is the same as the wattage.
  • Transformers can be used with both electronic devices (such as those with chips and circuits) or electrical appliances (such as those with heating elements and motors). They can usually operate for a much longer time than converters.

Converters[edit]

These lighter-weight, less expensive devices can handle large wattage loads of up to 1600 watts but only step-down voltage, not raise it. They are suitable for those in 110-120V countries traveling to where the voltage is 220-240V. Converters are designed to operate for only an hour or two at a timenotcontinuously. As stated above, they cannot be used with electronic devices: devices that use chips or circuits, such as a computers, printers, VCRs ,or even battery chargers.
Nowadays, many electronic devices actually come with a converter which plugs into the power mains and converts the current to DC. However, if this won't accept a foreign voltage (check the plug) do not place a second converter behind it. You must use a heavier transformer instead. Fortunately, in the past few years, more and more devices come with a universal AC/DC converter already included, and the most you would need is a plug adapter.

Frequency (Hz)[edit]

Frequency is generally not a problem--most travel items will work on either 50 or 60 Hz. If all the electrical appliance does is produce heat or light (except fluorescent lighting), then the frequency is unlikely to matter.
Frequency is most likely to affect clocks and devices with motors. They may run faster or slower than they should and may be damaged in the long run as a result. Again, though, some motorised devices may function correctly on either 50 or 60 Hz-- especially if they also operate on batteries. Just look on the label or plug.
However, you still may need to be careful if you have a sensitive or expensive device that converts AC (power from the wall) into DC (battery-like current)--especially if you also need to convert the voltage. A device will convert AC to DC either to save battery power by allowing you to plug into the mains or charge a battery in the device. The design of power supplies where AC is converted into DC does take frequency into account.
Even though 60 Hz converts a little more easily to DC than 50 Hz does, there's enough tolerance in most small appliances and electronic gadgets that you can ignore frequency. However, if you also need to change the voltage (because the voltage of your device is different from the mains power voltage), you cannotuse a switching-type converter. You must use the heavier iron-core transformer. If in doubt, consult a reputable electrical goods dealer.
If your device won't operate with a different frequency (powerful motors and non-quartz clocks), there is really nothing you can do to change it. Unlike voltage, frequency cannot easily be converted. Foreign embassies may have to use huge generators to provide current compatible with equipment from home.
If you desperately need to have power at your home country's frequency, you might try using a 12V DC to AC converter intended for vehicle use. However, most of these (especially those commonly found in stores) output a "sawtooth" wave instead of a sine wave. (Check the manufacturer's website if you need a sine wave output. It may be special order.) Make sure the wattage of the converter is sufficient for whatever device you need to operate, and the 12V battery has enough amps for the job. For example, 12V times 15 amps gives 180 watts (or less after losses are included).
Japan is a special case. East Japan (eg Tokyo) uses 50 Hz and west Japan (eg Osaka) uses 60 Hz. Equipment made for the Japanese market may have a switch to select 50 Hz or 60 Hz.

Unstable supply[edit]

In many developing countries, electrical supply is highly erratic and you need to take precautions to protect your equipment.
The main danger is power spikes, where the voltage supplied temporarily surges to dangerous levels, with potentially catastrophic consequences. In developed countries, the main source of spikes is lightning strikes, but, in developing countries, they're most often associated with power outages since when the power comes back on, it rarely does so smoothly. The cheapest method of protection is thus simply to disconnect electronic devices as soon as the power goes out and wait a few minutes after the power comes back on until plugging them back in.
Surge protectors are devices designed specially to protect against spikes and surges, and some are available in portable travel-sized versions. Some surge protectors can also be fitted to a telephone line to protect your phone or laptop modem. The most common variety use a metal oxide varistor (MOV), which shorts to ground if a given voltage is exceeded. These are easily destroyed by larger spikes, and better models will have a light indicating when the MOV has broken down, but you still need to keep an eye on them as the device will still continue to give power even if the protection is gone. There are also surge protectors with fuses, which are fail-safe (a blown fuse will stop power) and replaceable, but there is still a risk of a short, sharp spike which can pass through and damage your device before the fuse blows.
In some (mostly poor) regions, you may experience electricity voltage drops. Instead of 240V for example, you may get only 200V or even less (50% of the nominal supply voltage is not unknown). This happens especially if you're at "the end of the line" (far from the source or transformer) and is caused by the resistance of the electric lines themselves. Some appliances, such as light bulbs and heating equipment just keep working under a lower voltage, although a 20% voltage drop will cause a 36% power drop. Most electronic devices also keep working, but voltage drops are critical for fluorescent lamps, refrigerators, and air conditioners which may stop working altogether (usually without being damaged: when the voltage returns to normal, they will start working again).
Voltage drops can be solved with a special device called a voltage stabiliser or AVR (Automatic Voltage Regulator). A stabiliser will raise the voltage again to its normal level. The principle is the same as for switching converters, except that stabilisers will produce a stable output, even with an unstable input. Stabilisers come in different power ranges, but they're all large, bulky and not practical to carry around. Be aware that some appliances, such as refrigerators, briefly consume 2 or 3 times more power at start-up; the stabiliser should be able to provide this power. Voltage stabilisers can introduce surges if there is a power outage. The cheaper and most common relay type can also damage electronic equipment.

Appliances[edit]

If you are buying new appliances, get in the habit of checking the voltage. A dual-voltage hair straightener will cost you no more than a single voltage one, and save considerable hassle when travelling.

Laptop computers[edit]

Virtually all laptop computers (including those with internal power supplies) will handle well a range of 100 to 240 volts and a frequency of 50 to 60Hz. In other words, you won't need a converter/transformer; most power supplies have supported ranges printed directly on them so have a look. You will still need to check that you have the plug that matches the outlet for the country you are going to to see if you need to buy an adaptor.
Laptop computer power supplies are generally very good at accepting a poor or varying supply. Many manufacturers use the same type of supply, so getting spares is not too hard. The type used by HP/Compaq is very common. It is very easy and cheap to get a spare supply from sites such as Ebay. However, make sure it is a genuine manufacturer replacement and not a cheap copy. With a spare, you can take a risk with an unknown supply. Of course, do not take any risks if your laptop is one of the few with an internal supply.
If you are taking a laptop, you can use it to charge other items using a USB port on the laptop, even if they are normally not connected to it - this can save you a bundle of transformers in your luggage. Just make sure you have the correct USB cable - there are many different types.

Radios[edit]

Radios also tend to be interchangeable from country to country. The exact FM range being used in a few countries is different, so you may not be able to access all stations. In the US, only odd channels (88.1,88.3, 100.1 etc) are used. A radio intended exclusively for the US market will not work well in most other countries. Japan, in particular, has an FM band from 76 MHz to 90 MHz rather than the more common 87.5 MHz to 108 MHz. The countries of the former Soviet Union have also used a similar band. For the medium wave band, channel spacings (the difference between each valid frequency) can be 9kHz or 10kHz (for USA). Some digital radios will have a switch or setting to choose which channel spacing is used. Without this, they will not work correctly outside their intended market. Old-fashioned analogue dial tuners don't have this limitation.
If you need a new radio for international travel, consider one that includes the shortwave band (SW). This way, you can receive news and information from all over the world (BBC, CBC, Voice of America, Radio Australia, etc.) Shortwave is above the medium wave band (in frequency terms), but travels a lot further, especially after dark. In the past few years, the size and price have come down considerably for AM/SW/FM radios, and they are much easier to use. A handful of stations now require the single sideband (SSB) function (normally used by hobbyists for voice communication), but for most people it's not essential.

Digital Radio[edit]

Digital radio is in use in some countries, but has generally not attracted large audiences. So radio listening remains a predominantly analogue world, unlike television. The most common systems are DAB (Europe), DAB+, DRM and HD Radio (US). For travellers, an analogue radio (especially those with digital displays) are the best choice.

Mobile phones and digital cameras[edit]

Chargers for these may work with both 110V and 240V systems, though you may still need an adaptor plug or have to use the shaver socket. You may be able to get a second charger for the other voltage system, or even a dual voltage charger designed for both systems. However, your mobile phone handset may not be compatible with the country's network, or you may be limited to certain cellular providers. (See Telephone service for travel#Cell phones.)

Equipment using standard batteries[edit]

Battery sizes and voltages tend to be standard from place to place, and equipment that uses off-the-shelf batteries tends to be interchangeable. It may be difficult to get good quality batteries in some countries, especially alkaline batteries which are needed by most electronic equipment. If a cheaper battery is used, make sure to remove it as soon as it is exhausted or if the equipment will not be used for a while due to the risk of leakage.
Dual voltage battery chargers for NiCad and NiMH generally cost no more than single voltage ones, but you need to look for this feature before you buy. If an existing single-voltage charger uses a 12 volt DC adapter, find a quality dual-voltage adapter (110V - 240V) at 12 Volts DC with its DC current rating (inmilliAmps) equal or higher, and the same size plug on the charger end. (This is not possible if the charger plugs directly into the power mains without any cord.)

Be cautious[edit]

Large appliance power mains (Single, split phase or three phase supply)[edit]

In most countries, electrical power is distributed using a three phase system. This means that there are 3 different live/phase wires and optionally a single neutral wire. Domestic outlets are invariably single phase. A domestic outlet will receive just one of these phase wires and a neutral wire. Depending on the country, a mains supply into a residential building may be a single phase supply or three phase supply. Most larger buildings will receive a three phase supply.
There are good reasons why electricity networks use 3 phase supplies. They are also most appropriate for running large machines with motors (large air conditioners, industrial/commercial ovens and other power hungry appliances). The voltage between any one of the three phases and neutral is the same as the domestic single phase out let voltage (110V, 230V, 240V etc). However, the voltage between two phase wires is typically 380-415V or 208V in a 110V single phase system.
In North America there is a further variation, the split phase system. In the split phase system, two phase wires are used, but the voltage between these wires is double the single phase voltage - 240V. These systems are used to run large appliances such as cookers. However, it is also not uncommon to use two of the phase wires from the three phase system to give 208V.
In some places (mostly industrial buildings) three phase outlets may be available (often coloured red). Adapter cables or plugs can be used which take one of the phase connections and neutral for standard single phase appliances. Regardless of how many phases are in use, the frequency (50Hz or 60Hz) of the supply remains unchanged.
In countries with a poor distribution network, it is not unknown for single phase sockets to be connected across 2 phases to boost the voltage. This is dangerous and can damage electronic equipment. As a general rule, do not attempt to connect your personal electrical items to a socket or wiring system that is a three phase system.

Generators[edit]

In many countries without fully developed electrical power distribution systems, the use of generators is common. Generator supplies can be very good; however, in many places they are bad and can cause damage to sensitive equipment connected. The voltage, frequency, and waveform shape (it should be a smooth sine-wave) can vary. In some places, people modify generators to run faster. This gives more voltage and power but increases the frequency too. The part of a generator that keeps it running at a constant speed is called the governor. If this is tampered with, the output voltage could rise sufficiently to cause damage. The best advice is not to connect valuable equipment to the supply, or at the very least disconnect it as soon as you're finished.
If you are unsure about the quality of the generator in use, there are a few simple rules. If it runs from petrol/gasoline, it is bad: anyone serious about using generator power uses a diesel oil powered system. A good quality generator will have a low engine speed. 1500RPM for 50Hz or 1800RPM for 60Hz. If the engine speed is 3000RPM or more, it is not a good machine.

Lamps[edit]

Lamps and their light bulbs are very sensitive to voltage. If you shift between voltage systems, you will need to change the light bulbs to match the voltage, unless the lamp is designed to operate on both systems, say through a low voltage adaptor. If you buy a lamp abroad, you may need to have an electrician completely rewire a lamp when you get home to comply with your country's electrical safety standards. This may not be a problem for a one-off special item, but if you are going into the importing business it could be a showstopper.
Also watch out for the light bulb connection. In 100-127V systems this is often a screw connector while in 220-240V systems it is often a bayonet connector. These connectors also come in at least two different sizes. Be sure you can obtain light bulbs of the right voltage, size, and connector shape in the country you intend to use the lamp, and at a reasonable price, or the lamp may become little more than junk when the bulb fails.
Note that fluorescent and LED lighting contains electronics and must use a heavy iron-core transformer to convert voltage. Converters are not acceptable. Some fluorescent units might be sensitive to changes in frequency (50 or 60 Hz) if it's not the same as what is specified. This type of lighting has its own "flickering" frequency, which is suppose to be too rapid to notice. However, old and defective units often produce an annoying, visible flicker, and the wrong electrical frequency might have the same effect as well.

Electric motors[edit]

The electric motors in things like refrigerators, vacuum cleaners, washing machines and other whiteware are often sensitive to frequency. Older hairdryers and electric shavers might be also. Even if you use a step-up or step-down transformer, the different supply frequencies mean that motors will run at the wrong speed and quickly burn out. The larger and more powerful the motor is, the more this is true. Don't, for example, bring a vacuum cleaner from the US to Europe (or vice versa). It's almost guaranteed to fail--even if you have a voltage converter.

Electric shavers[edit]

Hotels often provide a special electrical outlet specifically for electric shavers. They allow any voltage shaver to be plugged into them and be used safely in front of the bathroom mirror. They may also accept your cellphone adaptor or similar low power battery charging unit. Many--but not all-- electric shavers sold today are dual voltage 50/60Hz and some will even recharge the battery at 12V DC (such as in an automobile). Check the label and instructions for compatibility.

Hairdryers[edit]

Hairdryers are a particular risk; if you accidentally plug your 100-120V hairdryer into a 240V outlet. you may find it catching fire in your hands! Newer models should have a thermal switch, though. Allow 15-20 mins for it to cool down, then use a voltage converter (if the dryer is 50 Hz compatible). Similarly, a 220-240V hairdryer in a 120V outlet may run slowly and not heat up enough. Most good hotels and motels will be able to supply a hairdryer, and it may even be a room fitting. However, it may be worthwhile buying or borrowing a hairdryer suited for the electrical system of countries you'll be traveling in.
Many new hairdryers sold in 100-120V countries are dual voltage with settings for 100-120V and 220-240V. Even though it's motorized, it will work on either 50 or 60 Hz. Don't forget to lockout the high setting with a flat screwdriver or something similar. At 220-240V, the low setting becomes as powerful as the high setting was at home (with 'low' unavailable).

Clocks[edit]

An electric clock of any sort is sensitive to voltage. If the voltage is doubled or halved, it will not function and may burn out. Furthermore, the electric frequency (50 or 60 Hz) is used in cheap clocks (such as many clock-radio style clocks) to keep the time. Thus, if a clock made for North America were used in Europe – even with a voltage adapter – it would lose 10 min/h! Obviously, not a great idea if you have a train to catch. On the other hand, if the clock has a quartz crystal, this is used for the timekeeping, and it operates independently of the line frequency. Inexpensive, battery-operated, digital LCD travel clocks (with a push button back light) are also available. These are recommended for destinations with frequent blackouts.

Video equipment[edit]

Televisions, many radios, video and DVD players, as well as videotapes, are often specific to the broadcast system used in the country that they are sold in, usually associated with the frequency of the country's electric current. For example, North America is 60 Hz and its television is 30 frames per second, while Europe is 50 Hz and its television is 25 frames per second. The main three analogue television broadcast systems are PAL, the closest to a worldwide standard, NTSC, used mostly in the Americas and some East Asian countries (notably JapanSouth Korea, and Taiwan) and SECAM, originally from Franceand adopted by much of Eastern Europe and the Middle East, but there are various incompatibilities even within these supposed standards. There is no difference between PAL and SECAM for unconverted DIGITAL video including DVDs. However, any analog output to a television set would be in the native format of the country of location. Brazil uses a hybrid PAL/NTSC standard called "PAL-M". In Brazil, DVDs and video tape are the same as NTSC (without region coding- see below), but all players and TV sets are useless outside the country unless they have a separate NTSC setting.
Before purchasing any video equipment, read the manual and warranty carefully. For TVs and VCRs, don't forget about cable television frequencies; they may not be the same, even if everything else is. Television sets often won't work correctly in another country from where they were sold, even if the voltage and video standard are the same. For example, a television set made for the USA will skip a few channels in Japan. Furthermore, many countries have or are in the process of switching to digital over-the-air broadcasting, (dates by country). Unless you have an internationally compatible device, you may find your expensive looking system is little more than worthless junk in another country because it won't work with your country's broadcast system. Your warranty is probably only valid in the country of purchase, and you may need to return the goods to the place you purchased them from.
The final problem with transporting TVs is that many European countries, notoriously the UK, require a license to watch any live TV (over-the-air, cable, satellite, and even live-streams on the internet). Fines can be hefty (in addition to being charged for the license).
DVD and Blu-Ray, infuriatingly, have completely artificial limitations introduced in the form of region coding, which attempts to limit the region where the discs can be used, as a technique to keep the various regions as separate markets. For example, a Region 1 player for North America will not play a Region 3 DVD for Hong Kong. The workarounds are to obtain either a regionless DVD player which ignores the code, purchase multi-region discs (Regions 1 and 3 in this case), or better yet, Region 0 discs, which can be played on any device. Blu-Ray discs cannot be played at all in a standard DVD player -- not even at a lower resolution. However, Blu-Ray discs played on a Blu-Ray player can be displayed on a standard def. television, provided you have the correct cables and connections. (HDMI cables are not compatible.)
Technically, there is no such thing as an NTSC or PAL DVD disc, as all color information is the same for both. When discs are labelled as such, what they're referring to is the picture size and frame rate (i.e. number of frames per second) that are used in most (but not all!) countries that have TV broadcasts on this same system. Many NTSC players cannot play PAL DVDs, unless that's a specific feature included (many Philips and JVC models include this). PAL DVD players are generally much better at playing NTSC, but it's not a certainty. If all else fails, a computer DVD-ROM can play any DVD movie, though there's a limit on how many times you can change the region code. Unlike analogue television sets, computer monitors can automatically handle both 25 (PAL and SECAM) and 30 (NTSC) frames per second, as well as various picture sizes. This also applies to LCD and plasma "flat panel" television sets, but don't expect their tuner to be compatible outside the country in which they were sold.
Video cameras can usually be charged with both electrical systems so you can record during travels and view it back home. Digital cameras and video cameras can usually output to both PALNTSC, and SECAM, so you can view your recording while travelling. Bring an RCA (yellow plug) to SCART adaptor if you plan to view video from a camcorder on a European television set.
If you have something on VHS video tape, it's best to convert to DVD before traveling. (Conversions between PAL and NTSC can be done before burning.) Use a video capture card for recording the VHS into a digital file on your computer. Then with DVD-making software, burn the file to a blank DVD.
Note that to be playable on a television set using a connected DVD player, a burned disc must be in the native DVD format (same as Hollywood movies) with the "AUDIO_TS" and "VIDEO_TS" folders. If you burn a Windows media, Powerpoint, Quicktime, Adobe flash, etc. file to a DVD, it can only be played back on another computer. This may be totally inadequate for a presentation. Unless your company or organization is already equipped, locating a computer video projector in a foreign country can be a challenge. Traveling with one is not recommended either, as they are expensive, fragile, and somewhat bulky and heavy. Exception: many newer DVD players can play "JPG" still picture files as a slideshow. Some even have an SD card slot, so you can view your photos taken from a digital camera. Caution: NEVER computer-edit anything directly on a photo-media card (SD, CF, Sony memory stick, etc.) Copy it to the hard drive or a USB jump drive first, then edit.
If required, converting DVDs from one format to another (PAL, NTSC), can be done on a computer with a fast CPU, or you can get it done professionally. Allow plenty of time, as this can take many hours. Regular blank discs work fine for making copies of a foreign format, as it's all just a bunch of ones and zeros and no different than copying anything else. Copies can be made quickly, while conversions cannot.

Stay safe[edit]

The electrical engineer's maxim: The smoke that escapes from a device or a component is its spirit without which it cannot work. In other words: if smoke rises from the device, then it's destroyed.
The first time you use electrical equipment on a voltage system you haven't used before, watch for excessive heat, strange smells, and smoke. This is especially true for those residing in countries with 120V (USA, Canada, Japan, etc.) visiting places with the higher voltage. Smoke is a sure sign your equipment cannot cope with the voltage system.
If your electrical equipment gets very hot, smells of burning (there is a distinct smell of electrically fried circuit boards) or starts to smoke, turn it off at the wall or the main switch immediately, then carefully unplug the equipment. Do not disconnect or unplug by just grabbing the smoking device, its plug or cord, and then unplugging it, as these parts are probably very hot, and the insulation could be melted or unsafe, which could result in electrocution.
You may find your expensive equipment has been fried and needs to be replaced because the wrong voltage was used. However, if the equipment only got hot and did not smoke or produce strange burning smells you may be lucky. Some older devices have fuses that you may be able to replace. New devices, such as gaming consoles, will trip a circuit breaker. Disconnect them from all power and leave them for 60 minutes or so, and the circuit breaker will normally reset.
Do not rely on fuses to protect your equipment. If a fuse does blow, you should have things checked by an electrician before using the suspect equipment again.
In Third World countries with frequent blackouts, it's not at all uncommon for a visitor to plug something in and have the power go out coincidentally. Always check the neighborhood first, before blaming the appliance or looking at the fuse/circuit breaker.

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