Why Are Diesel Engines Preferred Over Petrol Engines?

Globally, two types of engines are generally found – diesel engines and petrol engines. The classification is done based on the fuel used for the engines, because the construction, functionality and features of the engines vary on the type of fuel to be used. These engines can be found in cars, airplanes and even in … Continue reading “Why Are Diesel Engines Preferred Over Petrol Engines?”

Globally, two types of engines are generally found – diesel engines and petrol engines. The classification is done based on the fuel used for the engines, because the construction, functionality and features of the engines vary on the type of fuel to be used. These engines can be found in cars, airplanes and even in commercial generators. Therefore, it would be worthwhile to spare some time and have a look into the reason behind the preference of one type of engine over the other.

Prerequisites

In order to have a deep understanding of the subject matter of this article, having a passion for the stuff under the bonnet would be helpful. But in any case, the material has been represented in such a manner that a person with little or no knowledge about mechanical engineering will also be able to follow; a bit of physics in your middle school or high school will suffice. To start with, let us try to understand the working principle of the two types of engines, so that we can infer the reason behind the popularity of one type over the other.

Working principle of diesel engines

A diesel engine is generally referred to as CI (compression ignition) engine. In a diesel engine, air is compressed by the pistons within a closed chamber by a process called adiabatic compression. Due to severe compression, the temperature of the air rises to very high levels inside the chamber. After achieving sufficient temperature, the fuel, which in this case is diesel, is slowly injected into the chamber in a controlled manner.

When the inflammable fuel comes in contact with the hot air, it starts burning. The gas produced from the combustion pushes the piston downwards which in turn produces the torque required. Due to its constructional features, it has very low leftover fuel and also the excess heat is dissipated easily, making the engine very suitable for prolonged hours of maintenance free operation under heavy loads. Among all the types of Internal Combustion engines, diesel engines have the highest rate of efficiency, sometimes more than 50%.

Working principle of petrol engines

Petrol engines, on the other hand, is an Internal Combustion engine with an entirely different working principle. Inside a petrol engine, fuel and air are mixed in a chamber and compressed gradually. Also, a spark plug is used to provide the necessary ignition point for the mixture, so that the entire process becomes quick and steady. Due to the presence of the spark plug, petrol engines are highly used in cold countries where the ambient temperature is very low and it is very difficult to maintain the temperature of the mixture suitable for combustion only through compression.

Also, the speed of petrol engines is higher than and its parts are lighter that of its diesel counterparts, making it the ideal choice for quick acceleration and high-speed maneuvers. However, the compression ratio of the fuel-air mixture is quite low for a petrol engine and it results in a lower efficiency of petrol engines as compared to diesel engines.

Which is the better choice?

Well, it depends on the nature of use. Experts recommend petrol engines for cases that need very high speed and high acceleration. Also, historically diesel engines are noisier than petrol engines and people associate it with nasty fumes coming out of the exhaust. But the fact is that carbon dioxide emission from petrol engines is higher than that of diesel engines.

Diesel engines are a better choice due to many factors like:

Cost of diesel is lower than that of petrol in most of the countries in the world.
Diesel engines last longer due to rugged build.
Efficiency and maintenance cost is a great deciding factor for the choice to be made.
At low speeds, diesel engines can generate very high power. This is the ideal case for commercial and industrial applications.

Due to all these reasons, it has also been observed that machines using diesel engines get higher resale values. Surveys have proved the fact that used diesel cars and used diesel generators generate more enquiries when put up for reselling. However, it is strongly advised to consult a domain expert to determine which engine to buy for your requirement.

It’s Time For A Mid-Year Financial Review

As we enter the second half of 2014, this is a good time to look back at the first six months of the year to see how you are faring financially. We recommend that clients conduct a mid-year financial review to check in on their investments, budgets, savings and tax planning to see if adjustments need to be made.

Here are a few key items to look at during your semi-annual financial review:

Investments: How did your investments perform this year? Better than expected, worse than expected or about the same? Talk to your investment advisor to see if you want to make adjustments, including rebalancing your portfolio if your personal or business risk profile (your willingness and ability to take risks) has changed.

Savings: Have you reached your savings goals yet this year, or do you need to step it up a bit? Consider making an automatic transfer each month from checking to savings to ensure that you are saving consistently. This applies to retirement savings as well as traditional savings. Don’t wait until the end of the year to try to catch up.

401(k) plan: If you are contributing to an employer-sponsored 401(k) plan, look at your investments to see how they’re performing. Have you experienced any gains this year, or did you lose money on your investments? Are new funds available that better suit your needs? Can you afford to increase your contributions to get the maximum match from your employer? Discuss your 401(k)’s performance with your financial advisor to see if it is beneficial to make changes. Your plan sponsor – the employer – may also have additional information about the investments in your 401(k) plan.

Tax withholding: Now that you’ve made it through half the year, you probably have a good idea whether or not your tax withholding is adequate. Do you need to adjust your withholding to ensure that you don’t underpay your taxes, or perhaps you’ve had a child and are eligible for an additional exemption? The IRS offers a tax withholding calculator to help you determine if you need to make adjustments. This is particularly true if you are a business owner paying quarterly taxes. Are you paying enough?

Other areas to consider for your review: insurance, medical spending, quarterly tax payments and budget adjustments. Contact your investment advisor to discuss these critical components to your financial success. It might take a little time, but that is time – and money – well spent.

How to Invest Your Equity Release in Retirement Investments

A number of events over these last few years have seriously impacted the way in which we all plan for our futures. For people who are approaching retirement age, they might just realise that their pensions are not quite enough to keep them going. The cost of living is always climbing, and other complications tend to creep in over time. For these and other reasons, pensioners often choose an equity release plan to help keep them afloat and avoid serious financial problems.

A great way in which you can be sure that you receive an adequate income over the years is by investing your money in the right places. Regardless of the type of investment you opt for, you will need some extra money to pay for the initial financial contribution. Whether you are more inclined to invest in a buy-to-let property or invest a lump sum in a short-term investment policy, you will need access to cash in order to start the process. As they say, you need to spend money to make money.

If you don’t have the necessary cash readily available, then you can take out an equity release on your existing property in order to cover your new investment. The value of your property, the type of equity release plan you choose and your age will all contribute towards determining how much you can release against your property. For example, the older you get, the more equity you can release. The greater the worth of your property, the more money you can release too.

By determining how much cash you can release, you can make informed decisions in terms of how you choose to invest that money. Many people choose to invest a large portion of their equity release so that they can benefit from their investment in years to come. They also pay off debt such as loans and credit cards so that they are free of yet another burden. Other pensioners choose to invest their newly released cash in a holiday home. This second property can eventually become their permanent home, or they rent it out in order to earn some extra money each month.

Credit Cards: Tips to Use Them Safely

There was a time when people roamed with a lot of cash in their pocket. This was because if you went shopping, the only choice was to pay by cash. But carrying cash always carried a safety threat as well. People could be robbed in the middle of the street and all that cash being accumulated by you is lost in a matter of seconds. Then came credit cards. For public that found it cumbersome to carry cash in the pocket, these cards were a boon. After all, this little innovation empowered them to buy all that they liked without bothering about the amount of cash in their wallet.

Today, credit cards are a common story. People have even equated the ownership of credit cards to be like a status symbol. However, none of this is true. We do agree that credit cards add convenience to your routine. But, at the same time, we would also recommend you to practice certain safety measures when you are using credit cards:

Always sign on the magnetic line. Most people forget to swipe their plastic card when they receive it. This results in the situation where they have been using the card for close to a decade without their signatures. Believe it or not, committing frauds using such unsigned cards is easy.

Swipe carefully: When you eat at a restaurant, don’t give the credit to your waiter for swiping it. Instead, ask for the machine to be brought on the table and swiped in front of you. With the new age portable machines, this is completely doable and minimizes the risk of being duped by the hotel staff. This rule is applicable in all transactions that you do with your credit cards.

Don’t reveal data to unknown people. If people call you and ask you for your plastic card number under the garb of making you participate in some other activity, please don’t reveal the details to them. Instead alert the legal authorities and let them handle the matter if you get such requests repeatedly.

The CVV number is secret. The CVV number is unique to your card and if it is revealed to a greater number of audience, the risk of being duped by the people also increases. Even when you are using the credit card for online shopping ensure that the transaction is facilitated by a secure and reliable payment gateway easily.

Thinking Of Going On A Diet? How About A Papaya Diet?

Dieting can be very hard on the body when not done in the right manner. Not giving the body sufficient time to adjust through crash dieting does more harm than good. More often than not, people diet and lose all the excess weight only to find that the minute they return to their previous eating habits, all the weight is gained back. But all is not lost, thanks to the papaya diet. Who knew that something as simple as a papaya salad could help you out?

The papaya diet is considered to be a great option to option for all those people who are looking to shed a few pounds-especially those who are suffering from an inflamed abdomen. Though the fruit is sweet, the number of calories in papaya are minimal. When it comes to papaya, there is nothing to lose.

Steps

Step 1

Find a nice, fresh fruit. Make sure that the skin has no unwanted indentations. Drink a couple of litres of water in order to remove all the toxins from your body.

Step 2

You will need to begin your diet by going on a mono-fast for a couple of days. You will need to eat the fruit throughout the day, perhaps in the form of a papaya salad.

Step 3

Whenever you feel hungry, simply eat some more papaya. You may drink the papaya juice once in a while, but do not add sugar to it. This is to cleanse the toxins from your body, including the parasites. It helps in building stronger tissues, and also reduces inflammation. You may experience diarrhoea, but that is normal.

Step 4

After fasting, you can drink warm water with a little lemon in it. Follow this up with a papaya breakfast, maybe a papaya salad. Wait for approximately half an hour, after which you can slowly begin to consume soft food.

Step 5

Avoid processed sugar and flour during the time you keep dieting. You may drink papaya juice if you are looking for some variety. This is extremely important as papaya ensures that anything that has been accumulating in your intestines are removed. The fact that the calories in papaya are minimal helps a great deal along with the fact that the fruit is delicious.

Step 6

Steamed vegetables, fish, legumes, beans etc can be consumed for lunch. You can supplement it with a little papaya juice as well.

Step 7

There is a need to perform abdominal exercises while you are on a diet. Muscles need to be stimulated during this time. The fact that there are very few calories in papaya fruit helps. However, that alone will not do.

You can make a simple salad and juice yourself. If you haven’t consumed papaya prior to this and are wondering how to cut a papaya, then visit our site in order to learn about the same.