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Saving money is one of the many rewards of building or upgrading your own computer. You can reduce the cost of your new computer by hundreds of dollars by simply building it yourself. One way to cut the cost on your build is to buy original equipment manufacturer parts.

The phrase, OEM (original equipment manufacturer) refers to businesses that manufacture products for other businesses to repackage and sell. Almost all computer components and software manufacturers make two versions of the same product based on a variation in the supply channels.

The first version is the retail boxed version, where products are sold mainly through retailers. Guess who is paying for the pretty packaging, which cost vendors extra material and labor to produce? Retail packages also takes up more spaces and cost more to ship.

The second version is the OEM version, where products are sold mainly to system builders as large as HP or Dell and as small as a regular home grown pc builder. These products are of the same quality and often carry a similar manufacturer warranty as their retail counterparts. They are mass produced, and distributed by bulk without the fancy packaging materials. Eliminating the packaging cuts down on manufacturing, marketing, labor, shipping, and storage cost. It also cuts down on your cost.

These parts can be purchased by the public at a savings of up to 30%. Hard drives are purchased in an anti-static wrapper without a box, cables and often without drivers or a manual. The warranty is generally the same, and you can get technical support and downloads for drivers and user's manual online, when not provided with the product itself.

Many "original equipment manufacturer" CPUs, however, do have shorter warranties. The retail version carries a three-year warranty, and the OEM version, one year or less. Be sure to check for support and warranty details, when considering buying these parts.

So, don't you agree that this is definitely a great way to save some money? These products offer a great opportunity to save some green when building or upgrading your computer. However, for those who aren't as comfortable with technology, retail packaging will supply everything you need for the product, often including a toll-free number for support. OEM products might be better suited to those who are at least minimally computer literate.

Lee Jones is the owner of PC Builders Delight. If you are tired of wasting your money on pre-built computers that charge you for bulk extras that you'll never use and you're ready to learn everything you need to know about building your very own computer, than visit me here for tips and advice and suggestions: = > http://pcbuildersdelight.synthasite.com

You are driving down the motorway and your mobile phone rings, what do you do? Do you answer the call and run the risk of being caught or do you leave it and return the call when you have got to your destination? Recent research has shown that 56% of motorists see another motorist using their mobile phone whilst driving every day.

Many people are not deterred from answering their mobile phones whilst driving, by a fine and points on their driving license, but something that may make people start to pay more attention to the law is that Allianz (one of the largest general insurers in the UK) will be raising car insurance premiums by up to 30% for drivers who have been caught using their mobile phone whilst driving.

Previously offenders had their premiums increased the same amount as speeding offenders had their premiums increased. Allianz's takes the needless act of mobile phone offences and there dangers so seriously that they will be boosting offenders premiums by an extra 30%. Offenders will not only have a fine and points on their license but also the financial burden of higher car insurance premiums.

I'm sure it's only a matter of time before other insurance companies follow suit, so next time your mobile phone rings when you are driving think twice before answering it, you won't just be breaking the law you will be breaking the bank as well! Why not invest in a Bluetooth headset or car kit if you need to answer calls whilst driving, that way you can answer calls legally and stay safe.

This and many other articles on mobile phones and the latest mobile phone deals was written by John Gray.

John Gray's writing can often be found at http://www.onecompare.com