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Hybrid vehicles continue to grow in importance, offering consumers the best of two possible worlds: vehicle electrification and extended range. By making use of electric motors and a gasoline engine, a hybrid electric vehicle ensures that you can take that long trip without having to plug-in someplace and wait hours for a recharge.
The Toyota Prius is synonymous with "hybrid," but there are other models for you to consider. Read on for tips on how to buy a hybrid electric vehicle, representing one of the most fuel efficient and cleanest car segments sold today.
What is a hybrid vehicle? Well, for starters, it is officially called a hybrid electric vehicle, one of several types of vehicles that offer at least some kind of vehicle electrification.
All hybrids make use of two fuel systems. Today, those systems are a gas-powered internal combustion engine and electric motors. The gas engine is paired with a transmission to turn the wheels. The electric motor may make use of a generator and regenerative braking to produce electricity that is sent to and stored in a battery system. Such systems original used nickel-metal hydride (NiMH) batteries, but in recent years most manufacturers have switched to lithium-ion (li-ion) or lithium-polymer (li-poly) batteries that are lighter weight and more efficient.
Traditional hybrid vehicles receive electricity onboard, with no need to plug-in to an outlet to draw current. Today, your hybrid vehicle options have expanded as there are models that can be plugged in. Models, including the Chevrolet Volt, the Ford C-MAX Energi and the Toyota Prius Plug-In Hybrid, do plug in and offer an advantage of running on electric-only power longer than traditional hybrids. If your trips are mostly local, you?ll put some serious space between gas station visits, lowering your fuel costs and reducing the amount of emissions dumped into the air.
Another advantage of a plug-in vehicle is that there are tax deduction benefits offered, something that traditional hybrids no longer have. Your tax benefit is determined by the federal government and depends largely on the vehicle you select as well as your tax bracket. Buy a Chevrolet Volt and you may be eligible for a $7,500 tax credit; with the PHEV Prius, your tax benefit is up to $2,500. State and local benefits may also be available.
When buying a hybrid, you?ll pay more for this vehicle then you would for a comparably equipped gasoline model. The difference is typically from $3,000, but you may notice cars that are priced at least $5,000 higher. What you need to do here is compare equipment levels. For instance, the Ford Fusion Hybrid comes in about $8,000 more than the base Fusion model. On closer inspection the difference is about $2,500 as the Fusion Hybrid offers a trim level comparable to the Fusion SEL.
With a cost premium in play, you?ll want to determine how long it will take for you to recoup the extra cost. One way to figure that out is to compare the fuel economy between like models. The example of the Ford Fusion is a good one ? the 2012 edition gets 23 mpg city, 33 mpg highway for a combined 26 mpg. The Fusion Hybrid gets 41 mpg city, 36 mpg for a combined 39 mpg. If you drive 15,000 miles per year, then your gas cost at $3.50 per gallon would be calculated as follows:
15,000 miles divided by 26 mpg equals 577 gallons. Multiply 577 by $3.50 per gallon and your annual fuel costs are $2,020.
With the Fusion Hybrid you?ll divide 15,000 by 39 and get 385 gallons. Multiply 385 by $3.50 and your annual fuel costs are $1,348. That means you?ll save $672 per year. If your hybrid has a $5,000 price premium than it will take you nearly 7 and one-half years to recoup your cost. Clearly, buy a hybrid if you expect to keep it at least that long and you think that gas prices will only go higher.
Most hybrid models come in smaller sizes, but there are some vehicles such as the full-size Chevrolet Tahoe SUV and the big Lexus LS 600h L sedan that are also sold. Familiarize yourself with the various models offered and consider only those that meet your needs.
Some hybrid models lose as much as 20 percent of trunk storage capacity as the battery pack juts into the trunk. Other hybrids take away rear seating space for the same reason.
Most hybrids are paired with a single-speed transmission, although some have regular automatic or continuously variable transmissions. You will want to test drive the models that interest you, taking it out on the open road and driving it extensively around town. Learn if the power offered is sufficient for your needs ? hybrids get horsepower from both energy sources, therefore you won?t lack the get up and go to get moving with such vehicles.
Every hybrid vehicle comes with a hybrid warranty, covering the electrical parts including motors, generators and battery packs. By law, the minimum warranty for the battery system alone is 8 years or 100,000 miles, whichever comes first. Some states, such as California and New Jersey, mandate a 10-year or 150,000 mile warranty. In any case, familiarize yourself with the maintenance procedures for a hybrid and follow these carefully, to ensure that you enjoy the maximum benefit of owning one.
FuelEconomy.gov: Federal Tax Credits for Plug-In Hybrids ? http://www.fueleconomy.gov/feg/taxphevb.shtml
U.S. Department of Energy: Alternative Fuels Data Center ? http://www.afdc.energy.gov/
Chris Joseph is a freelance writer and media consultant currently working with AutoFair.
Source: http://www.carsurfer.com/auto-magazine/2012/08/27/hybrid-electric-vehicle-shopping-considerations/
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LOS ANGELES (TheWrap.com) - AMC Theatres will release the horror film "Smiley" through a partnership with Fever Productions, the theater chain said Monday.
The film will debut on October 12, through AMC's independent platform on 28 screens in 14 mostly urban markets including New York, Los Angeles, Chicago, Philadelphia, Houston and Atlanta. AMC will also spearhead the marketing campaign.
"Smiley" is written and directed by Michael Gallagher, creator of the YouTube channel Totally Sketch. The film was co-written by Glasgow Phillips ("South Park"), and produced by Michael Wormser ("Some Guy Who Kills People") of Level 10 Films. "Totally Sketch" and its comic shorts command an audience of over 11 million subscribers.
"Smiley," with its ample blood and gore, represents a change of pace for the new media impresario. It centers on an insane college student named Ashley (Caitlin Gerard of "Magic Mike") who summons a mysterious serial killer named "Smiley" through the internet.
The deal was brokered by Michael Gallagher and Michael Wormser for Fever Productions and Nikkole Denson-Randolph, Vice President of Alternative and Special Content at AMC.
In addition to the AMC release, the film will be available on more traditional platforms including DVD, Blu-ray, iTunes, Redbox and cable VOD after the traditional theatrical release window has closed.
Source: http://news.yahoo.com/amc-theatres-releasing-horror-film-smiley-194400900.html
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In the case of overweight persons, an acupuncture therapist can begin with a physical and psychological assessment to know the reason behind the patient?s weight condition.
For a patient who would really like to lose weight with acupuncture, the acupuncturist commonly inserts 5 needles in every ear. Of those needles, four facilitate with detoxification among the body: kidneys, lungs, nervous system and liver. Last needle aids in relaxation.
The principle of acupuncture is that the specific meridians of the body (composed of lines) and pressure points. If there is a disease that yin and yang (hot and cold side of things) are not balanced, leading to physical symptoms such as acne. Restore the balance are specific pressure points or acupuncture points are inserted along a line with a needle. After the needles are inserted in the fields of law, the slow flow of energy back into balance, eliminating the disease in this process.
Acupuncture is not something new, it has existed for around 2,600 years and used in China as anesthesia. So why wait, relieve yourself of the pain and be revived through acupuncture.
So what can be done to treat migraine headaches? According to the World Health Organization (WHO), studies suggest that acupuncture can play a significant role in treating migraines, as well as many other types of headaches.
Today, I have noticed that several people are looking towards various therapies rather than ancient solutions for improving our health. A study in 2004 showed that thirty five% of American adults are obese and that figure looks prefer it can be climbing to alarmingly dangerous levels. Acupuncture weight loss treatment is one such solution, and in this text I intend to debate the effectiveness of acupuncture weight loss treatments.
Health insurance is something to consider when you look at the question ?How much is acupuncture?? but you have to meet many requirements to get acupuncture costs covered. Usually, the number of treatments you need to have will determine acupuncture cost. No matter how you look at it, the cost of acupuncture can be somewhat pricy, but it is often effective in increasing fertility, relieving anxiety, and even helping with lower back pain. Many factors can affect cost, but acupuncture is often a less costly treatment that other traditional procedures.
Acupuncture works to open the blockages in these pathways by inserting needles in the acupuncture points lying on the meridians. These needles activate the points which are associated with body organs. This activation maintains smooth flow of energy and increases circulation in blood.
Regrettably people still seem to have this notion that acupuncture is nothing more than putting needles into their body. They do not realize how many years it takes to learn the order in which these needles are inserted in which to improve upon given aches and pains. It is in no way luck.
Acupuncture is an ancient form of healing that is also quite effective in treating back problems. So take a look at his credentials and make sure that he is accredited.
Learn More
Source: http://all-articles-directory.com/getting-in-touch-with-acupuncture-for-infertility/
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BAGHDAD (AP) ? Attacks by insurgents killed eight police and soldiers in Iraq Sunday, police said, the latest onslaught meant to undermine the Baghdad government.
In the first attack, gunmen in a moving vehicle opened fire from silenced weapons at a police patrol in Ur, a predominantly Shiite neighborhood of Baghdad, police said. Two policemen were killed and a third was wounded in the early morning shooting.
Several hours later, gunmen also using pistols fitted with silencers killed three private security guards at an amusement park in eastern Baghdad.
In the western province of Anbar, two roadside bombs went off on an army patrol near Fallujah, killing three soldiers, police and hospital officials said.
Fallujah is 65 kilometers (40 miles) west of Baghdad.
Health officials confirmed the casualties. All officials spoke on condition of anonymity because they were not authorized to talk to reporters.
Security forces and government offices are top targets for insurgents seeking to shake people's confidence in the government's ability to provide security. More than 200 people have been killed in attacks this month in Iraq.
Source: http://news.yahoo.com/iraqi-officials-series-attacks-kill-8-people-162911367.html
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Welcome to the August 24, 2012 Money Management Edition #251 of the Carnival of Financial Planning.
This edition is arranged by subject heading, so that you can browse efficiently.
Enjoy!
Amanda L Grossman presents My Advice to a Person Budgeting for the First Time posted at Frugal Confessions, saying, ?Someone asked for my help this past week in creating a budget for their household.
Mike presents How to Budget For a Vacation posted at Experiglot, saying, ?How you can plan financially for your next trip.
A Blinkin presents The Ideal Budget for a Single Guy Age 24 posted at Funancials, saying, ?The transition from college student to young professional can be one of the most fun times in your life, but it can also be a time of stress. The increasing inflow can be extremely exciting, but only if it exceeds the increasing outflow. The bills that mom and dad used to cover without your knowing are now directed to your mailbox. This article will tell a 24 year old single guy how to budget.
Green Panda presents Stop Spending and Start Saving Right Now! posted at Green Panda Treehouse, saying, ?How you can keep more of your money.
Bob presents 70+ Personal Budgeting Categories to help you start your budget posted at ChristianPF, saying, ?In order to have an effective budget, you?re going to need some basic personal budget categories to start. Determining your budget categories isn?t always easy, especially if you?ve never made a budget before. Start your budget off right.
Dan presents?Wall Street Markets posted at?Wall Street Stocks , saying, ? From the days when front-running involved actual running to the ?Victorian Internet era? brought on by telegraphy, we can learn a great deal from looking back at a simpler era.?
Michelle presents Back to School Already? posted at See Debt Run, saying, ?This article discusses some tips to get your kids ready for school on the cheap. You can utilize clothing swaps, ebay, relatives, and by generally being smart.
Marie at FamilyMoneyValues presents Kids and Money posted at Family Money Values, saying, ?All of the planning and legal documents in the world won?t stop a determined heir from squandering your hard earned bequest to them. Train them young on responsible personal finance. Here?s how I am doing just that.
Ray @ Financial Highway presents Why You Shouldn?t Buy a House on a ?Shoe String? posted at Financial Highway, saying, ?Now is a great time to buy a house?interest rates are at all time lows, and house prices have fallen significantly. In some markets you can get a house at 2005 prices with 2012 interest rates, which makes now a special time in the housing market. But you do have to be a bit careful in how you do it.
Hank presents Fee Based Vs Commissioned Based Financial Planners posted at Money Q&A, saying, ?There are two main types of financial planners fee based and commission based. Both types of financial planners provide financial advice on how to best manage most aspects of your financial life.
Daisy presents Planning For Homebuying posted at Add Vodka, saying, ? I will admit that I am really not always the most patient of people. When I get something in my head, I want it now. Not in a year, not in three months, NOW.
Aloysa presents How Much Money Are We Supposed to Spend on Friends? posted at My Broken Coin, saying, ? Friends. My biggest monetary pet peeve lately. Nowadays it is not easy to be a good friend. Nor it is cheap anymore.
Wayne presents Steps to Achieve Financial Security posted at Young Family Finance, saying, ?Learn three basic steps to achieve financial security. Everyone should be striving for this goal because of what it offers.
Ryan presents How Much Life Insurance Do You Need? posted at The Military Wallet, saying, ?Virtually everyone needs life insurance as part of a balanced financial plan, but many people don?t know how much they should buy. We examine a few different rules of thumb to answer this question. in the end, though, each situation is unique.
Sally presents Risk and returns posted at Do-It-Yourself Finance , saying, ? More conservative portfolio investments have yielded substantially lower investment returns than the returns that riskier investments have delivered. With either lower or higher risk-adjusted market return strategies, you simply cannot have your financial cake and you eat it too.?
JP presents No. You Don?t Need to Buy Life Insurance for Your Children posted at My Family Finances, saying, ?Buying life insurance for your children to guarantee insurability is like paying money to protect hypothetical people.
Joe @ Excess Return presents Indexing with ETF or Mutual Fund? posted at Excess Return, saying, ?It is hard to argue against a strategy that produces a better return than most investment choices. If you want to invest using an index strategy, you with have two vehicle choices: ETFs or mutual funds. Each has its own set of advantages and disadvantages. How you invest will play a big role on which option is best for you.
TRL presents Real Estate Leverage ? Using it to Your Advantage posted at The Retired Landlord, saying, ?Are you wondering what real estate leverage is? Find out the answer and how to leverage your money to build wealth faster without the risk.
Ryan presents Investing for Cash Flow ? Building a More Diversified Investment Portfolio posted at Cash Money Life, saying, ?After reviewing my investment portfolio, I realized virtually everything was tied up in the stock markets. That has historically been a recipe for success, but my goal is to further diversify my portfolio to include investments that generate cash flow.
Dan presents Best ETFs for a Romney-Ryan Republican Victory in 2012 posted at ETFBase, saying, ?Want to know which ETFs would be great investments if the Romney-Ryan ticket wins the election? Here are the investment themes that would benefit most now that Romney has chosen his running mate.
Glen Craig presents The Different Stock Market Sectors ? Are You Taking Advantage? posted at Free From Broke , saying, ?Besides the vast number of stocks you can find there are also stock market sectors. See what the most common stock sectors are and how they can help you.Darwin presents My Roth IRA: Beating the Market and a Look Under the Hood posted at Darwin?s Money , saying, ?Think it?s impossible to beat the market? It?s not; I?ve been doing it for 7 years as evidenced by this high yield portfolio. Take a look at how I structured my investments to beat the index in up or down markets.
Franklin presents Traditional and Roth IRA? posted at Retirement Planning , saying, ? Many taxpayers puzzle over whether to contribute to traditional versus Roth tax-advantaged retirement plans. For most people, contributions to traditional tax-advantaged plans will probably provide a higher net present value over their lifetimes.?
Div Guy presents Quick Guide to Analyze Dividend Funds posted at The Dividend Guy Blog, saying, ?How you can look at a dividend stock and determine what you should do next.
Joe presents The Difference Between Saving and Investing posted at Personal Finance By The Book, saying, ?Most of us innately know that saving and investing are not the same, but do we understand the difference? Because clarity in this distinction can greatly impact one?s financial well being, realizing these difference is vital. The key is in two words: risk and liquidity.
TSI presents Morningstar Ratings posted at The Skilled Investor , saying, ? Individual investors and their advisors appear to make investment decisions that are heavily influenced by the Morningstar Rating system. Because the stars are very widely used and often misunderstood, these are articles to help investors make more rational decisions about the stars.?
Darnell @ Excess Return presents How to Minimize Investment Risk posted at Excess Return, saying, ?From time to time, when things seem a little directionless in the marke it helps to step back and remind ourselves of the basic tenets of investing and reinforce key fundamentals so we do not lose track of our investing goals.
Pierre presents Dot Com Bubble Bursting V2.0? posted at Intelligent Speculator, saying, ?We take a look at the current market to determine if there is a bubble.
Debt Guru presents Prioritizing Your Debt Pay Off posted at Debt Free Blog, saying, ?Find out the best strategy to paying off debt. Learning the best way to pay off debt can motivate anyone to get started now.
Daniel presents What Determines the Value On Your Home Loan? posted at Sweating the Big Stuff, saying, ?You?ll see a lot of three-letter acronyms thrown around as you shop for a home loan: APR, FHA, PMI. It?s enough to make your head spin. But there?s one mortgage acronym ? LTV, short for loan-to-value ratio ? that?s always puzzled me. Read more to get the lowdown!
PPlan presents Is Prepaid or Traditional the right credit card for you? posted at Provident Plan, saying, ?Last week I talked about whether you should avoid debt. In case you havent read the article, I talked about how managing our finances, like much of life, is never black and white. This applies to debt. In many ways it may be advantageous to be debt free, but not always.
John presents We Did It: Debt Free posted at Married with Debt, saying, ?How we became consumer debt free, and how you can too. Intentional living for married couples. Get out of debt.
Maria presents Real estate ownership: a blessing or a bother? posted at The Money Principle, saying, ?I am on holiday and the real estate problems I have in Bulgaria is heavy on my mind. To rent or to sell?
Kevin presents Prepare For An Emergency Today!!! posted at Thousandaire, saying, ?Let me tell you a story about what happened to me and my girlfriend Tag over the weekend. It was seriously one of the scariest moments of my life.
Sustainable PF presents That Old Refrigerator May Be Costing You posted at Sustainable Personal Finance, saying, ?Got an old fridge? Tired of soaring energy costs? Here are some strategies to save you money!
Darrow Kirkpatrick presents A Floor with an Upside: The Best Strategy for Lifetime Income? posted at Can I Retire Yet?, saying, ?Here is another post from my blog Can I Retire Yet? that relates my own retirement experience to some recent research. It should be of interest to everybody in or near retirement. It makes the case for building a retirement income floor using a pension or Social Security plus part of your nest egg, while keeping the rest invested for an upside.
FMF presents Fund a Teenager?s Million-Dollar Retirement posted at Free Money Finance, saying, ?How to fund a Teen?s million-dollar retirement.
Corey presents Should You Invest in Dividend Stocks? posted at Steadfast Finances, saying, ?Find out if dividend stocks live up to the hype. The payment structure seems to have an advantage on other stocks, but is that really the case?
Whitney?presents Retirement Planning Software posted at Retirement Savings, saying, ?While personal wealth should measure current financial investments and other salable assets, it should also measure your ability to sustain your household budget, build up your investment portfolio, and weather potential financial risk and misfortune across your lifetime.?
Invest It Wisely presents I Don?t Need to Worry about Retirement Yet, Do I? posted at Invest It Wisely, saying, ?When is it time to worry about your retirement savings? Read my article to learn when?
Jester presents Make Time To Enjoy Life While Swimming in Chaos posted at The Ultimate Juggle, saying, ?You never know what is around the corner, so make sure you make time to enjoy life! You only get one shot at it!
Freedom presents?Savings?Rates posted at Financial Freedom Plan , saying, ? Understand how your current savings rate and retirement withdrawal rate would affect all of ?your retirement assets.?
Monroe presents?Roth?Conversions posted at Do-It-Yourself Finance , saying, ?Key to you making a better decision about your lifetime Roth account contribution and asset conversion strategy is the need for a sophisticated financial planning software tool.?
Paul presents?Retirement Planning posted at Tax Planning Software, saying, ?Retirement planning software should automate the development of lifetime projections that incorporate tax laws and rules associated with tax-advantaged retirement investment incentive programs such as traditional IRA, Roth, 401k, 403b, SEP, Keogh, and other retirement plans.?
That concludes this edition.?Submit your blog article to the next edition of Carnival of Financial Planning using our carnival submission form. Past posts and future hosts can be found on our blog carnival index page.
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Equipment leasing is an agreement between the lending and borrowing parties. This agreement takes place when the borrowing person promises the lender that they will pay for the commodity in question. The borrower has the right to use the commodity for the stipulated period of time.
To lease out in lay mans language may be used to mean handing over your equipment to someone else who over the stipulated period of time becomes the new owner. For this to be actualized, the new owner will be liable to pay some rental fees. It should however be noted that the lender will always remain to be the owner of the asset even over the agreed duration of time.
Leases are grouped into two categories, the finance lease or the rental agreement lease and the operating lease. In the rental lease the hire period is long to an extent that the lease holder tends to use the property for almost the rest of its life period. During this time the lessee will be using that particular item as if he is the rightful owner although he is not.
A lease is usually classified as an operating lease if in any case it does not secure for the lending party the upturn of the capital expense and a return on the invested funds throughout the lease period. Therefore, the property should always be treated as a fixed asset thus the receivable rentals should be added in income during the leasing period. Costs, including depreciation, incurred in earning the rental income should be charged to income.
Property ownership comes with many advantages and disadvantages. The advantages include the prospect of gainful operations over the productive life of the asset, more income from the appreciation in value of the asset, or residual value realization. The disadvantages include the changes in return due to changing economic conditions, technological obsolescence and idle capacity. The lender should be keen to expend any costs that they have incurred in negotiating and arranging the lease in the same year they were incurred.
A finance lease cannot just be cancelled. However, it may be cancelled under some conditions. For instance, this may happen upon occurrence of some remote contingency with permission of the lender or if the lease is extended or renewed. These conditions are usually rare.
It should be noted that when leasing, the rights and obligations involved in this contract will be similar to those of the outright buyer. One is required to be keen in considering the choices that are at their disposal. As a result of this, accounting comes in. One is accountable to the leasing terms and conditions.
The lessee will therefore, in the balance sheet include finance lease assets together with owned assets under the heading of tangible fixed assets. However, leased assets should be distinguished from owned assets and amount disclosed, again show a liability in respect of lease payments not yet made. The liability in respect of minimum lease payments not yet paid is split into long-term and current liabilities.
Equipment leasing has been of great importance and of benefit to many people over years. Despite the fact that even equipments from leasing, they also are termed as assets. These assets can be accounted for in the account books. This however will be determined by the fact that they will in future be of economic benefit by increasing the inflow to the enterprise.
If there is a necessity for an equipment leasing service you may look online for more details. discover the best equipment rental company by reading this website http://leasingadvice.org/ today
Source: http://immfinancial.com/2012/reliable-information-about-equipment-leasing-and-its-benefits/
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