National Commercial Bank Jamaica Limited | NCB Capital Markets Limited
NCB Insurance Company Limited | NCB (Cayman) Limited
Advantage General Insurance Company Limited | N.C.B. Foundation
NCB Global Finance Limited
Member of the Deposit
Insurance Corporation
Address:
68 Ariapita Avenue,
Woodbrook.
TTARP
members get an additional
0.25%
Call us for further
information
at 622-4234
ext. 75119, 75124, 75102.
Directors
: Patrick Hylton - Chairman,
Angus Young - CEO, Dennis Cohen,
George Sheppard, Angela Lee Loy,
Samantha Gooden, Steven Gooden,
Company Secretary - Dave Garcia.
Maximize
YOUR RETURNS
NEW
Fixed
Deposit Rates
TTD Fixed Deposit
AMOUNT
1 YR
2 YRS
10,000 - 200,000
1.60% 1.95%
200,001 - 499,999
1.80% 2.10%
500,000 - 999,999
2.00% 2.25%
1,000,000 - 4,999,999
2.20% 2.40%
5,000,000 and above
2.45% 2.55%
USD Fixed Deposit
AMOUNT
1 YR
2 YRS
100,000 - 499,999
1.00% 1.15%
500,000 - 999,999
1.20% 1.30%
1,000,000 and above
1.40% 1.45%
Deposits available up to 5 yrs
24
25
W
hen purchasing computer devices, such as
desktops, laptops, tablets or smart-phones,
there are several choices available, which can be
overwhelming for many.
Below are some common pitfalls to avoid :-
1. Buying a device without determining your need
Many people buy a computer, laptop, tablet or
smartphone without determining what they want to use
it for.
Some may purchase based on status, but unless you
have loads of cash to burn, you should take a little time
to determine the type and specifications of the device
as well as your budget.
2. Choosing a device with greater specifications than
required
Many people make the assumption that bigger is better.
A processor at 4GHz must be better than one at 3GHz
right? Or 8GB memory must be better than a 4GB?
While more is usually better, you may not need a
device with such high specifications. For example,
unless you are doing video editing or scientific
research, you may not need the fastest computer.
A 4GB of memory can be adequate for performing
normal tasks such as web browsing, email, or creating
and modifying documents.
3. Choosing a device with lower specifications than
required
To the contrary, purchasing a device which does not
meet your needs can happen when you want to spend
as little money as possible.
You may buy a device that cannot perform the tasks for
which it was purchased, such as processor-intensive
tasks like video editing, or playing computer games.
4. Buying based on price alone
Some may buy the most expensive because they think
it is the best (Pitfall #2), others the cheapest.
Cheaper computers usually have small specifications
(Pitfall #3) or are built cheaply. A cheaply built device
will fall apart when used regularly, or if used other than
Submitted by Sachin Ganpat
Interxect Services Limited
Tel: 1 (868) 638-6934
Seven common pitfalls
when purchasing a new
computer device
the use intended. A device for home use, should not
be used for business; this is because cheaper and less
robust parts are used for home devices. Buy a business
class device for business purposes.
4. Buying more than required so it will last longer
Some may buy a device with double their present
requirements, with the belief that it should last longer.
This is a huge mistake, as technology rapidly changes.
Applications and peripherals are designed to run on
existing technologies, and even the fastest computer
now may not be able to run a new application or
connect to a new device in the next three years.
Unfortunately, all devices are designed around planned
obsolescence, within the next 3-5 years or sooner.
Buy for your needs now and if your needs change you
can upgrade. You can sell your old device, or better
yet, donate it to a charity you support.
5. Not checking reviews
There are mixed reviews on many devices, but these
reviews can indicate whether the device you’re buying
can meet your needs, or if there are problems with it.
6. Buying the extended warranty
A computer is a hefty investment, and it’s often
tempting to purchase an extended warranty. More
often than not, this is not needed.
According to Consumer Reports, “Many products are
reliable and don’t break during the period covered, and
the plans cost as much as you’d pay for a repair that
might never be required.”
7. Buying a computer device as a gift
It’s the Christmas season, and you may be tempted
to purchase a new laptop, tablet or smartphone for
someone special. Unless you know exactly what they
want, to the exact specifications or model number,
then don’t do it.
A gift certificate might be a better appreciated option.
