Why You Should NOT Buy a New Car – ReadyForZero Blog #rc #car


#what car should i buy
#

Why You Should NOT Buy a New Car

17 Oct 2012 by Ben

Welcome to the 5th  Smart Money Debate at ReadyForZero . To see the other side  of this debate, read Miranda s post: Why You Should Buy a New Car (Not Used). And then let us know which argument was more convincing!

Buying new things is fun. I love unwrapping the shiny packaging, opening up the box, and smelling the factory made scent of something brand new. There is nothing quite like holding something in your hands that nobody else has ever used. It makes you feel well special.

You know what makes me feel even more special than buying something brand new? Saving money. That is why almost everything I purchase is used. Don t get me wrong I m not one to purchase a used pair of Hanes. However, with most items, you can find great deals if you are willing to buy used. This is especially true when it comes to major purchases like cars.

While I wouldn t recommend buying any old lemon, buying used cars is the only thing that makes sense financially. Our family has purchased new before, and we consider it to be one of the biggest financial mistakes we have ever made. Here is why we will never buy a new car again and neither should you!

Reason #1: New Cars Don t Hold Their Value

We ve all heard this before, but it bears repeating: a new car begins losing value the minute that you drive it off the lot. How much value you ask? According to Edmunds.com, a new car loses approximately 10% of its value as soon as you drive away. 10%. Furthermore, it loses about 20% of its value after the first year, and 10% off the original purchase price per year after that. Depending on the make and model of your new car, you may have lost up to 80% of the value from the purchase price within 5 years!

Get offers for lower-interest rate debt consolidation loans here on ReadyForZero!

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Would you invest $25,000 in the stock market if you knew that you were going to lose $2,500 the moment you completed the transaction? Would you buy a house for $200,000 if you knew for a fact that it would only be worth $180,000 the minute you were handed the key and $160,000 a year later. Of course you wouldn t! No sane person would. Why would you do the same thing with a car? Let somebody take that huge financial hit by buying the new car. Then, you can take advantage of their silliness and buy the car used after they trade it in a few years later.

Reason #2: Used Cars are Cheaper

Since new cars are clearly a poor investment, it makes sense that the sticker price for used cars is far less expensive than the newer models. For instance, a brand new 2012 Toyota Prius is currently selling for around $28,500. Earlier this year, we were able to purchase a used 2009 Prius with under 25,000 miles for only $17,500. While red isn t exactly my favorite color, I was happy to suffer through it in order to save $11,000.

Reason #3: Less Worry

You know the nervous feeling that you get when you buy something new? You become very protective of it. You don t want anything to spill or scratch it. You re so proud of it that you want it to stay looking all brand new and shiny for forever. That is why you bought the product new in the first place. Afterall, what good is a new car if it doesn t actually look new.

I hate to tell you this, but eventually everything that is new is going to become blemished. When it does, you may be devastated especially if you spent as much money on it as you would a car. Why not save yourself all of that worry, headache, and stress? Just buy your cars used. A nick, dent, or scratch doesn t seem like such a big deal then.

Reason #4: Warranties are Available

People who tell you to buy a new car will tout the great warranties with which new cars come. Guess what. Most used cars will come with a warranty as well. In fact, the most important warranty the manufacturer s powertrain warranty should still be in effect as long as the car has not exceeded its age or mileage limits. This warranty covers all of the big stuff that might break like your engine or transmission. So, the warranty argument doesn t really hold water. If the warranty is in effect, the argument that you are going to have to pay for more repairs to a used car than you would for a new car doesn t really work either.

Reason #5: A New Car is a Bad Investment

Have I mentioned that a new car loses 10% of its value the moment you drive it off the lot and 20% of its value over the first year alone. Oh, I did? Good. Well, this is so important that I m mentioning it again. If that new car smell is still tempting you, go back and read Reason #1 to help snap you back into reality. Then, go out and buy a New Car Smell air freshener to put in your used car, and save yourself thousands of dollars.

As you can see, buying a new car is not the best decision for your finances. While that new car smell may make you feel like you are loaded, buying a new car is just another way of trying to look wealthy. It is a status symbol that savvy spenders can do without. If you re in the market for a new car, do yourself a favor and buy a used one instead.

No matter what you decide, use ReadyForZero to track your debt payoff it s a free online tool that helps you stay motivated and pay off your debt in the fastest time frame possible.

To see the other side  of this debate, read Miranda s post: Why You Should Buy a New Car (Not Used). And then let us know which argument was more convincing!

This post was published by Ben, Content Manager and Writer for » ReadyForZero. ReadyForZero is a company that helps people get out of debt on their own with a simple and free online tool that can automate and track your debt paydown.


Used Car Sales and Finance Blog #car #wash


#cars for sale australia
#

Used Car Sales and Finance Blog Brisbane

Welcome to the used car sales and finance blog.

We attempt to provide solid and up to date news surrounding the used car industry and the finance industry, focusing on finance for used cars.

Selling a used car in Brisbane can be a time consuming event or series of events that can often leave you more confused than you actually started out. There are so many choices to consumers these days when it comes to buying or selling a used car.

The other big choice that you may have to make with or without a financial advisors Brisbane.

Many businesses today can offer you instant finance on a used car. For example if you wanted to get cars loans Brisbane you may be better of searching online, especially if you have a bad credit history. Some places don t even do a bad credit check but in return you pay a higher interest rate than you would at a more established financial institute or bank.

Buying a car: finance deals explained

In the news, we see print like this all the time with big banks realigning their policies on asset finance like auto mobiles.

Private equity firm TPG may opt to again join with Liberty Financial to make a tilt for the Esanda division, while Macquarie Group, Pepper Australia, Bank of Queensland, Orix and KKR Co are also expected to scour the sale documents. The sale is expected to pique the interest of global auto-finance companies including US giant Ally Bank, Spain s Santander, and Japanese banks such as Mizuho, SMFG and Mitsubishi.

As you can see by the sales of such a huge asset, many auto finance companies are investing capitol into assets such as an automobile (Used or new)

Used Car Sales.

Due to the change in the market place or where the goods are bought and sold, many used car dealers and finance companies now offer their services online. The foot traffic to used car yards has been reduced significantly over the past 5 years. With the advent of social media site such as Facebook, many private sellers and buyers are literally selling their used cars on social media.

Marty Spade from Want Your Car said If you need to sell your car in Brisbane, people are now going online and making a sale at a reasonable price.

Financial Advisors.

Many people may want to have a good look at their finances and will seek the advice of a professional financial advisor.

Financial advisors can look into your finances and see where you could best earn or save more money in a real world situation.

While it is important to grow your wealth it is also VERY important that you protect it. Life insurance is a necessity, not a luxury or something that should be done without. It is in times like these that the financial backup of life insurance is most needed – more than in the good times.

Life insurance and income protection insurances are surprisingly affordable. The competition between these massive financial institutions is unbelievable. The big insurers will do anything for your money and will make extraordinary offers in these coemptive markets.

 Can you trust financial advisers? Hidden camera investigation (CBC Marketplace)

Always do research into your money advisors behaviours and be certain they are certified with the local financial institute. Don t forget these people are managing your cold hard earned cash and need to be trusted money managers.

Large firms often make the headlines of financial newspapers because of the massive amounts of money that get handled like $467.5 billion+

Top Wealth Managers 2015: It s A Bull Market For Financial Advice

From the stock market’s gyrations and the collapse in oil prices to tax planning and the “will they or won’t they” guessing game around the Federal Reserve’s plan to raise interest rates, investors have a lot to grapple with these days. More than ever they are turning to the counsel of independent financial advisors, judging by the swelling assets under management of the firms that make up the Top 100 Wealth Managers . Source Forbes.Com

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Unique Auto Sport – Auto blog #car #stickers


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San Diego area Car repair shops.

can be costly with simple routine maintenance. You can save your money by doing a simple engine tune up yourself at home; you just need to know what parts require regular replacement when your car starts acting sluggish.

What Needs Tuning Up Your Engine

When working on your engine keep an eye on your air filter, distributor cap and your spark plugs as these are the most common parts that need to be replaced.

A dirty filter can cause problems with your air conditioning system, which puts strain on your engine. Removing a dirty air filter for a clean one works to keep your engine safe from debris that gets underneath the hood, which in turn improves your engines overall performance. You should check your air filter every time your engine starts to act sluggish or your cabin begins to smell a little off, as these are the usual signs that the filter needs replacing. Always look at the air filter when doing your own maintenance, as they tend need replacing first.

Like everything else in a vehicle, your spark plugs can also go bad. Replacing the spark plugs is the foundation of engine tune up in San Diego. The key signs of a bad spark plug are sometimes easy to miss and often put off as other potential problems. Sometimes the same symptoms can be mistaken for needing an oil change, your battery needing to be replaced or having suffered a round of bad gasoline. When your engine begins to sound rough, instead of taking it to a auto repair shop in the greater San Diego area try a simple engine tune up instead. Check your spark plugs! Bad spark plugs can drain your car battery faster and cause your car to stutter or have problems starting. Spark plugs are integral in keeping your engine going, so if you suspect that they’re bad, replace them. It’ll help keep your car running at peak performance and preserve your battery’s life.

Lastly, one of the most important parts of your engine is the distributor cap. The distributor cap is what helps with your engines ignition sequence, and a bad distributor cap can have far reaching consequences. A bad cap is easy to spot; if your engine is stalling, or when you start your car and it makes a high pitched, unusual whine, that’s the cap. Even when you check the cap and doesn’t look outwardly damaged its underside can be clogged up, which can reduce the performance of the car. It’s better to be safe and replace the cap if you even suspect that there’s damage. Even if the cap is not the problem it’s better to be safe in regards to your engine.

In the end if you need to take your vehicle in to a shop they normally offer a full engine tune up service.  Most San Diego service centers can handle this.  Some of the top ones include astreetautoservice.com at 1263 State St. San Diego, CA or Robertsautoservice.com you can call them at 858-483-4130.

Getting to Know A Little More About Rally Car Racing

Tips on Rally Car Racing

Rally car racing refers to an auto racing that takes place on both private and public roads. The autos are specially built and made to run on all types of racing roads. The motorsport does not run on circuits but on a point to point format in which the drivers operate within a set of control points. There could be one or more start points that allow cars to start at the same time or start at a regular interval and compete with time.  A winner can be determined by looking at the time he took to complete the race or could be determined by driving to a pre-determined time within the stages. Endurance, skills, and judgment are key to rally car racing.

Rallying is an old sport that can be traced back to 1894 Paris-Rouen Horseless competition. The event attracted a sizeable number of fans. It also attracted entries from leading manufacturers and prices were awarded to the winning vehicle by the jury.  As manufacturers designed cars with more capability, the speed of the cars increased and outstripped the safe limits. They injured spectators, drivers, and animals.

Many early rallies were mere trials. Rallying has become a popular sport with rally car racing introducing new aspects that were not available in the old races. It has attracted individuals, clubs and manufacturers. Club rallies run on public roads and places more emphases on teamwork and navigation skills. The modern rallying takes place on all surfaces that include gravel, asphalt, ice and even snow.  The rallies can also be run even in varying climates ranging from monsoon rain to bitter cold. Rally car racing can be organized on rally courses covering as little as 50km and timed.

World championship drivers may be allowed to run on stages of the course before competing against each other. This is called reconnaissance, and the co-driver calls out the turns and writes down the road conditions. The pace notes are read aloud to the drivers so as to allow them to anticipate the upcoming terrains and make the necessary adjustments.

Special rallies provide organized route notes thus disallowing use of pace notes. The notes are normally prepared and created using predetermined pace note formats from which the co-drivers have an option of adding comments.  The past, rally courses supplied maps to the drivers. The exact routes for the race remained a top secret until the last day. However, modern rally car racing have defined routes and supply organized notes that allow reconnaissance thus drivers no longer have to race blindly.

The 21st century has led to an emergence of new trends where older cars compete against each other following the old rules. This is what defines rally car racing in which dirty road, E-brake turns and skidding that defy all logic that attempts to keep the car in good shape and moving. Most cars race against the clock on closed sections of real roads. The roads are usually unpaved and create difficult and unforgiving conditions to the drivers. The events can be organized to last for several days and may cover hundreds of miles in difficult conditions such as snow and rains .They are meant to test the skills, the speed and the endurance of the drivers.

AG Autosports Dyno Day


Unique Auto Sport – Auto blog #motability #car #prices


#unique cars
#

San Diego area Car repair shops.

can be costly with simple routine maintenance. You can save your money by doing a simple engine tune up yourself at home; you just need to know what parts require regular replacement when your car starts acting sluggish.

What Needs Tuning Up Your Engine

When working on your engine keep an eye on your air filter, distributor cap and your spark plugs as these are the most common parts that need to be replaced.

A dirty filter can cause problems with your air conditioning system, which puts strain on your engine. Removing a dirty air filter for a clean one works to keep your engine safe from debris that gets underneath the hood, which in turn improves your engines overall performance. You should check your air filter every time your engine starts to act sluggish or your cabin begins to smell a little off, as these are the usual signs that the filter needs replacing. Always look at the air filter when doing your own maintenance, as they tend need replacing first.

Like everything else in a vehicle, your spark plugs can also go bad. Replacing the spark plugs is the foundation of engine tune up in San Diego. The key signs of a bad spark plug are sometimes easy to miss and often put off as other potential problems. Sometimes the same symptoms can be mistaken for needing an oil change, your battery needing to be replaced or having suffered a round of bad gasoline. When your engine begins to sound rough, instead of taking it to a auto repair shop in the greater San Diego area try a simple engine tune up instead. Check your spark plugs! Bad spark plugs can drain your car battery faster and cause your car to stutter or have problems starting. Spark plugs are integral in keeping your engine going, so if you suspect that they’re bad, replace them. It’ll help keep your car running at peak performance and preserve your battery’s life.

Lastly, one of the most important parts of your engine is the distributor cap. The distributor cap is what helps with your engines ignition sequence, and a bad distributor cap can have far reaching consequences. A bad cap is easy to spot; if your engine is stalling, or when you start your car and it makes a high pitched, unusual whine, that’s the cap. Even when you check the cap and doesn’t look outwardly damaged its underside can be clogged up, which can reduce the performance of the car. It’s better to be safe and replace the cap if you even suspect that there’s damage. Even if the cap is not the problem it’s better to be safe in regards to your engine.

In the end if you need to take your vehicle in to a shop they normally offer a full engine tune up service.  Most San Diego service centers can handle this.  Some of the top ones include astreetautoservice.com at 1263 State St. San Diego, CA or Robertsautoservice.com you can call them at 858-483-4130.

Getting to Know A Little More About Rally Car Racing

Tips on Rally Car Racing

Rally car racing refers to an auto racing that takes place on both private and public roads. The autos are specially built and made to run on all types of racing roads. The motorsport does not run on circuits but on a point to point format in which the drivers operate within a set of control points. There could be one or more start points that allow cars to start at the same time or start at a regular interval and compete with time.  A winner can be determined by looking at the time he took to complete the race or could be determined by driving to a pre-determined time within the stages. Endurance, skills, and judgment are key to rally car racing.

Rallying is an old sport that can be traced back to 1894 Paris-Rouen Horseless competition. The event attracted a sizeable number of fans. It also attracted entries from leading manufacturers and prices were awarded to the winning vehicle by the jury.  As manufacturers designed cars with more capability, the speed of the cars increased and outstripped the safe limits. They injured spectators, drivers, and animals.

Many early rallies were mere trials. Rallying has become a popular sport with rally car racing introducing new aspects that were not available in the old races. It has attracted individuals, clubs and manufacturers. Club rallies run on public roads and places more emphases on teamwork and navigation skills. The modern rallying takes place on all surfaces that include gravel, asphalt, ice and even snow.  The rallies can also be run even in varying climates ranging from monsoon rain to bitter cold. Rally car racing can be organized on rally courses covering as little as 50km and timed.

World championship drivers may be allowed to run on stages of the course before competing against each other. This is called reconnaissance, and the co-driver calls out the turns and writes down the road conditions. The pace notes are read aloud to the drivers so as to allow them to anticipate the upcoming terrains and make the necessary adjustments.

Special rallies provide organized route notes thus disallowing use of pace notes. The notes are normally prepared and created using predetermined pace note formats from which the co-drivers have an option of adding comments.  The past, rally courses supplied maps to the drivers. The exact routes for the race remained a top secret until the last day. However, modern rally car racing have defined routes and supply organized notes that allow reconnaissance thus drivers no longer have to race blindly.

The 21st century has led to an emergence of new trends where older cars compete against each other following the old rules. This is what defines rally car racing in which dirty road, E-brake turns and skidding that defy all logic that attempts to keep the car in good shape and moving. Most cars race against the clock on closed sections of real roads. The roads are usually unpaved and create difficult and unforgiving conditions to the drivers. The events can be organized to last for several days and may cover hundreds of miles in difficult conditions such as snow and rains .They are meant to test the skills, the speed and the endurance of the drivers.

AG Autosports Dyno Day


Why You Should NOT Buy a New Car – ReadyForZero Blog #rental #car #cheap


#what car should i buy
#

Why You Should NOT Buy a New Car

17 Oct 2012 by Ben

Welcome to the 5th  Smart Money Debate at ReadyForZero . To see the other side  of this debate, read Miranda s post: Why You Should Buy a New Car (Not Used). And then let us know which argument was more convincing!

Buying new things is fun. I love unwrapping the shiny packaging, opening up the box, and smelling the factory made scent of something brand new. There is nothing quite like holding something in your hands that nobody else has ever used. It makes you feel well special.

You know what makes me feel even more special than buying something brand new? Saving money. That is why almost everything I purchase is used. Don t get me wrong I m not one to purchase a used pair of Hanes. However, with most items, you can find great deals if you are willing to buy used. This is especially true when it comes to major purchases like cars.

While I wouldn t recommend buying any old lemon, buying used cars is the only thing that makes sense financially. Our family has purchased new before, and we consider it to be one of the biggest financial mistakes we have ever made. Here is why we will never buy a new car again and neither should you!

Reason #1: New Cars Don t Hold Their Value

We ve all heard this before, but it bears repeating: a new car begins losing value the minute that you drive it off the lot. How much value you ask? According to Edmunds.com, a new car loses approximately 10% of its value as soon as you drive away. 10%. Furthermore, it loses about 20% of its value after the first year, and 10% off the original purchase price per year after that. Depending on the make and model of your new car, you may have lost up to 80% of the value from the purchase price within 5 years!

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Check your rate using ReadyForZero’s free debt consolidation tool. People have saved thousands by consolidating higher-interest debts using a single, personal loan, this will not negatively impact your credit. Check Your Rate Now

Would you invest $25,000 in the stock market if you knew that you were going to lose $2,500 the moment you completed the transaction? Would you buy a house for $200,000 if you knew for a fact that it would only be worth $180,000 the minute you were handed the key and $160,000 a year later. Of course you wouldn t! No sane person would. Why would you do the same thing with a car? Let somebody take that huge financial hit by buying the new car. Then, you can take advantage of their silliness and buy the car used after they trade it in a few years later.

Reason #2: Used Cars are Cheaper

Since new cars are clearly a poor investment, it makes sense that the sticker price for used cars is far less expensive than the newer models. For instance, a brand new 2012 Toyota Prius is currently selling for around $28,500. Earlier this year, we were able to purchase a used 2009 Prius with under 25,000 miles for only $17,500. While red isn t exactly my favorite color, I was happy to suffer through it in order to save $11,000.

Reason #3: Less Worry

You know the nervous feeling that you get when you buy something new? You become very protective of it. You don t want anything to spill or scratch it. You re so proud of it that you want it to stay looking all brand new and shiny for forever. That is why you bought the product new in the first place. Afterall, what good is a new car if it doesn t actually look new.

I hate to tell you this, but eventually everything that is new is going to become blemished. When it does, you may be devastated especially if you spent as much money on it as you would a car. Why not save yourself all of that worry, headache, and stress? Just buy your cars used. A nick, dent, or scratch doesn t seem like such a big deal then.

Reason #4: Warranties are Available

People who tell you to buy a new car will tout the great warranties with which new cars come. Guess what. Most used cars will come with a warranty as well. In fact, the most important warranty the manufacturer s powertrain warranty should still be in effect as long as the car has not exceeded its age or mileage limits. This warranty covers all of the big stuff that might break like your engine or transmission. So, the warranty argument doesn t really hold water. If the warranty is in effect, the argument that you are going to have to pay for more repairs to a used car than you would for a new car doesn t really work either.

Reason #5: A New Car is a Bad Investment

Have I mentioned that a new car loses 10% of its value the moment you drive it off the lot and 20% of its value over the first year alone. Oh, I did? Good. Well, this is so important that I m mentioning it again. If that new car smell is still tempting you, go back and read Reason #1 to help snap you back into reality. Then, go out and buy a New Car Smell air freshener to put in your used car, and save yourself thousands of dollars.

As you can see, buying a new car is not the best decision for your finances. While that new car smell may make you feel like you are loaded, buying a new car is just another way of trying to look wealthy. It is a status symbol that savvy spenders can do without. If you re in the market for a new car, do yourself a favor and buy a used one instead.

No matter what you decide, use ReadyForZero to track your debt payoff it s a free online tool that helps you stay motivated and pay off your debt in the fastest time frame possible.

To see the other side  of this debate, read Miranda s post: Why You Should Buy a New Car (Not Used). And then let us know which argument was more convincing!

This post was published by Ben, Content Manager and Writer for » ReadyForZero. ReadyForZero is a company that helps people get out of debt on their own with a simple and free online tool that can automate and track your debt paydown.


Car Insurance Companies – Car Blog #used #cars #values


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Major Car Accidents in San Diego

May 15, 2015

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There are many incidents and accidents happening around us in this huge world. We all have TV cable in our house. TV cable has helped people to receive all the updates about the world. People living in Western countries of the world are well aware about the situation of Eastern countries of the world and same goes for rest of the world. You cannot hide any kind of news from media. Electronic media has played an important role in bringing people closer to each other. It has provided many benefits to the people. You can keep yourself up to date from any kind of news. You do not need to read newspaper daily. Now you can just switch on your television and can watch the news live from the comfort of your house. You can watch live matches, movies, and news. Kids can also watch their favorite cartoons on TV. San Diego is one of the largest cities of the world situated in California. There are many people living in San Diego and earning their livelihood peacefully. It is a well developed city and provides all kinds of facilities to the people. There are many people who own a car in San Diego. Cars and bikes have become an important and common means of transportation for travelling from one place to another. The route system in San Diego is well built and organized by the concerned authorities but accidents do appear. The ratio of San Diego car accident is increasing gradually. The reason of San Diego car accident is poor concentration or misunderstanding of the drivers.

Emergency service is available 24/7 in San Diego for people because of the increasing ratio of San Diego car accident. The accidents which occur in San Diego are major because the roads are well built and people drive cars at about 100 km/h. Traffic wardens are available at the roads performing their duties to avoid accidents. There are rules set up by the traffic police authorities which must be practiced and followed by the citizens of San Diego. The rules are implemented for the good sake of the people. People must follow the rules and act accordingly or else they will have to pay the fine.

San Diego car accident has created problem for the traffic authorities and they are trying their best to avoid accidents by implementing new laws. The automobile manufacturing companies are also making cars with the most advance braking system to avoid accidents. Many people have lost their lives or their loved ones in car accidents. We have no control over accidents, it happens just within seconds by a minor mistake.

People have started paying close attention during driving to avoid San Diego car accident. You must not risk your life. Life is a precious gift from God and we must take care of it. We must not do over speeding or over taking on road. People must drive car accordingly in their respective lane.


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LOS ANGELES CRIMINAL DEFENSE LAWYERS

Spiga Associates is a full service Los Angeles criminal defense lawyers, dedicated to the vigorous defense of anyone charged with a crime. We handle every sort of criminal case. and focus on violent crimes, such as murder, manslaughter, criminal battery, armed robbery, and burglary. Nonetheless, whether you need a DUI lawyer or a Criminal Defense Trial Attorney for a major Felony case, Spiga Associates will handle it. Whether Felony or Misdemeanor, no case is too big or too small. We even handle cases in Northern California, including the greater San Francisco area. Let Spiga Associates help ease the stress of going through the criminal justice system by providing the sharp, aggressive and insightful criminal defense you need to win your case.

EXPERIENCED AND SUCCESSFUL LOS ANGELES CRIMINAL ATTORNEY

Lead attorney, Carlo Spiga is the recipient of the prestigious “Award for Excellence” given by the American Board of Trial Advocates and is recognized by his peers as one of the most outstanding Criminal Defense Attorneys in Los Angeles. Our Los Angeles attorneys have handled over a thousand criminal cases ranging from DUI. hit and run, drug possession. drug sales and trafficking. fraud. sex crimes. assault. robbery. murder. and federal crimes. Spiga Associates maintains a network of reputable investigators and experts on hand to assist in the defense of our clients, including our new San Francisco location. Our lawyers are admitted to practice in the State of California, Federal District Court in the Central, Southern and Eastern Districts of California and the 9th Circuit Federal Court of Appeal. Click here for a sampling of prior Spiga Success.

CRIMINAL CHARGES AND YOUR PROFESSIONAL LICENSE

In addition to providing a zealous criminal defense in court, Spiga Associates is also experienced in professional licensing issues that often accompany criminal charges. Licensed professionals. such as doctors. dentists. insurance agents. realtors. cosmetologists, and electricians are subject to their respective state licensing boards’ rules and restrictions. Many of such licensing agencies provide for penalties, suspension, or even revocation of the professional’s license if he or she is convicted of a crime. Spiga Associates attorneys will not only help guide you through the criminal justice system, but we will also work with you and your professional licensing board to help protect your valuable license. **Check out our new site for more about licensed healthcare professionals. such as doctors. dentists. nurses. chiropractors. veterinarians. pharmacists. mental health providers. physician’s assistants and more.

LOS ANGELES CRIMINAL LAWYERS PROVIDE PERSONAL SERVICE DISCRETION

First and foremost, the attorneys at Spiga Associates pride themselves on professionalism and integrity, taking care to see that each individual client’s needs are met. Second, at Spiga Associates we do not seek publicity. We do not hold press conferences, nor do we inject ourselves into popular media outlets like so many Los Angeles lawyers do. Instead, we do everything we can to keep both Attorney and Client out of the media spotlight and protect your privacy. Your case is a matter of public record, but your life is not. We do everything we can to separate the two.


About Us – The Dish #daily #dish #blog


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About Us

The Daily Dish was founded in the summer of 2000 by Andrew Sullivan as one of the very first political blogs. Andrew wrote the blog alone for the first six years, for no pay, apart from two pledge drives. In 2006 he took the blog to time.com and then to theatlantic.com, where he was able to employ interns for the first time to handle the ever-expanding web of content.

In 2011, he and three former interns, Patrick Appel, Chris Bodenner, and Zoe Pollock, left The Atlantic for The Daily Beast, where the Dish lost its Daily qualifier and became a 24/7 news and opinion site for aggregation of web content, curation of reader input, and Andrew s own ruminations and reading.

In February 2013, under the newly formed Dish Publishing LLC, the Dish returned to independence from bigger media platforms and became one of the first blogs to ask readers alone to support its work. It has a readership of around 1.2 million unique visitors with an average of around 8 million pageviews a month from around the world. The Dish covers anything Andrew, the Dish team or the Dish readership finds interesting from politics to religion and pop culture and art and film and poetry and philosophy and web humor.

The Dish Team

Chris BodennerEditor, Co-owner

Chris is primarily in charge of the blog’s regular features and editing the massive in-tray. He also heads up project development for Dish Publishing LLC, including the book club and The Cannabis Closet and The View From Your Window books. Raised by two parents in the Army, Chris lived in 10 different states and four countries before landing in Brooklyn. He gets out to visit his niece and nephew in Portland, Oregon, as much as he can.

Chas DannerManaging Editor

Alice is executive director of the Poetry Society of America and a professor at Columbia University s graduate School of the Arts. From 1976 1986, she was poetry editor at Alfred A. Knopf and from 1987 2007 poetry editor of The New Yorker. She is currently at work on an edition of Elizabeth Bishop s notebooks and journals.

Jonah SheppInternational Editor

A regular Dish reader since his days at Amherst College, Jonah lived in Amman, Jordan, from 2008 to 2013, working as an editor at The Jordan Times and in various side jobs for local policy research and humanitarian organizations. He is a native of Manhattan, where he currently resides.

Matthew SitmanLiterary Editor

Matt, born and raised in central Pennsylvania, is a Ph.D. candidate in Government at Georgetown University and, prior to joining the Dish, taught political theory and American politics at the University of Virginia. He scours the Internet for the best coverage of religion, philosophy, and literature.

Andrew SullivanFounding Editor, Co-owner

Andrew was born in August 1963 and grew up in East Grinstead, West Sussex, England. He attended Reigate Grammar School and Magdalen College, Oxford, where he took a First in Modern History and Modern Languages. He was also President of the Oxford Union, and spent his summer vacations as an actor in the National Youth Theatre of Great Britain.

In 1984, he won a Harkness Fellowship to Harvard s Kennedy School of Government, and earned a Masters degree in Public Administration in 1986. In his summers, he interned as an editorial writer at The Daily Telegraph in London, and at the Centre For Policy Studies, Margaret Thatcher s informal think tank, where he wrote a policy paper on the environment, called Greening The Tories. In the summer of 1985, he travelled through 30 of the United States. He then went on to get a Ph.D. from Harvard s Government Department with a doctorate called Intimations Pursued: The Voice of Practice in the Conversation of Michael Oakeshott . It won the Government Department Prize for a dissertation in political science and was published in 2008.

From 1991 1996, he was the editor of The New Republic. bringing its circulation to a record 103,000 and, alongside predecessor Rick Hertzberg, winning three National Magazine Awards in his tenure. He was named editor of the year by Adweek in 1996. From 1996 2000 he devoted his time to writing for The New York Times Magazine. penning a weekly column for The Sunday Times in London, and campaigning for marriage equality for gay couples.

In 1989, Sullivan wrote the first national cover story in favor of marriage equality, and subsequently an essay, The Politics of Homosexuality in The New Republic in 1993, an article The Nation called the most influential of the decade in the gay rights movement. In 1995, he published his first book, Virtually Normal . a case for marriage equality, which was translated into a five languages. He testified against the Defense of Marriage Act in 1996, edited an anthology, Same-Sex Marriage: Pro and Con . and toured the country campaigning on the issue. His second book, Love Undetectable: Notes on Friendship, Sex, and Survival . was published in 1998 in the United States and Britain. Sullivan tested positive for HIV in 1993, and remains in good health. In 2006, he published The Conservative Soul . a critique of the direction of the American right in the new millennium. In 2007, he was one of the first political writers to champion the presidential campaign of Barack Obama, and his cover story for The Atlantic. Why Obama Matters, was regarded as a milestone in that campaign s messaging.

Sullivan calls himself a conservative still, and is a practicing Catholic, but he has been an enthusiastic supporter (and occasional critic) of Obama since 2007. Sullivan appears regularly on The Colbert Report and Real Time with Bill Maher on television and continues his weekly column for The Sunday Times. He lives with his husband and two hound dogs in Washington, D.C. and Provincetown, Massachusetts.


M s public health #social #media, #medical #blog, #doctor, #physician, #medicine, #health, #drugs, #medicare, #patient, #hospital


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I recently attended a conference in Savannah, Georgia sponsored by the Association for Prevention Teaching and Research. | Since I haven’t spent much time in Georgia outside of Savannah and Atlanta, the welcoming plenary on improving health outcomes for the state’s rural and underserved populations was eye-opening. According to Dr. Keisha Callins, Chair of the Department of Community Medicine at Mercer University, Georgia ranked 39th out of 50 states in primary.

Why can’t doctors be depressed? They encounter challenging and emotional situations every day, and they are robbed of the emotional intelligence training necessary to handle them properly. The 32-year-old single mother of two who was recently diagnosed with metastatic breast cancer and given a prognosis of four months to live. The 13-year-old daughter who suffered her first seizure while swimming alone in her home pool and now lies paralyzed in the.

Without question, the interconnectivity created by social media is a plus when it comes to talking about physician burnout, suicide and policies affecting our practice of medicine. We are no longer in independent silos with the surgeons suffering in one corner and pediatricians elsewhere. Physicians are no longer isolated contemplating if what they are experiencing is just unique to them. We are developing collective voices. It is incredible to believe.

Dear John Oliver, First of all, thank you for your recent segment on dialysis. Kidney disease deserves much more attention and discussion than it currently receives. Thank you also for your full-throated support of transplantation and the need for more kidney donors. As a practicing nephrologist, there is nothing better than hearing that one of my patients has been given a transplant. Finally, thank you for pointing out that end-stage renal.

3 a.m. The alarm blares. Get up, make food, study. Maximize caffeine intake, maximize studying efficiency. 4:12 am. Take the last sip of water, pray. Maximize studying with residual caffeine power. 7 a.m. Get dressed, go to work. Stay awake, stay alert, see patients, present well, regurgitate answers, retain information. Produce saliva, clear dry throat. Study during lunch break. Stay awake, stay alert, see patients, present well, regurgitate answers, retain information. 6 p.m.

Medicaid is the largest single health insurance program in the nation, spending more than $500 billion to serve the most vulnerable people with some of the highest need, including children, pregnant mothers, people with disabilities, the poor and the elderly living in nursing homes. Recent proposals to repeal and replace Obamacare – such as the American Health Care Act (AHCA) – would fundamentally change the Medicaid program.

Dear future medical student: It’s graduation week. I’m running into people I haven’t seen in a long time. There are a few things on my mind currently, and in four years, you’ll have the same conversations. “Did you have so much fun in med school? Did you love it?” “No.” “Wow! Those four just FLEW by, didn’t they?” “No. They absolutely did not.” “Well just WAIT ‘til you get to residency. THAT was hard. What you.

Doctors have been bemoaning changes in the practice of medicine for years and with good reason. It’s harder and harder to make a go of it in private practice. In recent years our area has lost several small practices — Hal Grotke’s Redwood Family Practice closed, Dr. Garcia retired, Teresa Marshall’s solo office shut its doors, Eureka Internal Medicine transitioned to Humboldt Medical Specialists (which then became St. Joseph Hospital.

My husband is a doctor. Similar to any other career, this is what he spends most of his time doing. It’s also our family’s livelihood — how we pay our mortgage, our bills and send our daughter to preschool. He went to through seven years of training after college, often working all night or even 24-plus hour calls. He’s had to miss family dinners, birthday parties, nights of putting our daughter.

Over the last few decades, public perception of physicians has been on the decline. Many issues are to blame, but a largely overlooked contributing factor is the media. Physicians are often portrayed negatively, with stories of narcotic abuse, greed and medical mistakes dominating the news. Rather than fight back, physician organizations have stood silently and allowed their reputations to be tarnished. On the other hand, nursing organizations have been busy.

It was the first warm day of spring as I walked into the assisted-living facility for what would be the last time. I was on my way to Larry’s room, the resident of the facility that I had been paired with, when I was stopped by my group leader. “I have some terrible news,” he said. “Larry’s wife was moved to another facility — her dementia has worsened since our.

Throughout training, I had an idea. And that idea was — I would be a great academic physician. I had the right training. I had done research from college through fellowship. I had received research grants from medical school through fellowship, published numerous papers and started defining a niche. Everything was going great. Academia — here I come! Then attending-hood arrived. I looked for positions in academic centers. I was limited by.

I am an emergency physician, forever grateful of the responsibilities entrusted by my patients. This is a relationship I hold dear. As such, I’m an active participant in the war of life and death for our patients. I’m in the trenches with the best nurses, techs and EMS personnel holding the line as the battle continues. We have our victories and share our defeats, all in the name of what.

America seems to have a more divisive tone now compared to recent years. New Orleans has seen protests spark over the removal of Confederate monuments. Images are all around us with one that seems to have people quite divided — the Confederate flag. I often have a sense of curiosity when I see this flag flown on people’s front porch, flag pole or on their car. I wonder if the person.

At what point, we have to ask ourselves, does a medical error that we do over and over again cease to be an error, and simply become business as usual? At one of the patient safety conferences this week, where we reviewed sentinel events that occurred in the hospital and in the outpatient setting, one of the cases was about a patient who developed an abnormal cardiac rhythm as a result.


Car Valuation and Limo Blog #used #cars #cheap


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Where to Look For Used Cars in Orange County, CA

My husband is looking to buy a new car.  He is much more practical than I am. When I am ready for a new car I get a NEW car.  He likes to get one that is a year or two old or maybe one that was leased.  So I asked hime where he looked to find used cars I mean I have no idea where to start.

His answer in no particular order was:

1. Orange County Register You can go online cars.ocregister.com and look for any make and model you might be interested in.  There are a gallery of photos and you just have to click to send them an email or call them for more information

2. AutoTrader.com They give you a ton of options to help your find your car quickly

3. Costco If you are a Costco member.  They have an amazing  auto finder service go to www.costcoauto.com. Low, prearranged Costco member pricing, all available national manufacture incentives, and interact with over 3,000 dealerships nationwide.  They provide an easy and stress-free buying experience.

4. Carmax They are a trusted company and claim to have tons of cars under 12,000.  They also claim that their sales consultants are on a fixed commission so they are truly there to help you find the right car for you and not one that will put more money in their pockets.

5. Local Dealerships   For example. Cerritos Auto Square. They say they are the world s largest auto mall  It is very impressive.  They also supposedly have 10,000 autos in stock. So if you like going and looking at a lot of cars, this is the place.

One last bit of advise if you are trading your car in make sure you get it detailed before driving it to the dealership.  One of my friends owns a carpet cleaning business and made my car look amazing my carpets were stained from years of abuse from my kids okay I spilled a Starbucks or two on my carpet as well.  Check out San Clemente Carpet Cleaners .

A couple of other tips:

1.  Get pre-qualified is important   The reason you want to get pre-qualified is because dealerships don t offer the best interest rates.  My husband belongs to a credit union.  They typically offer the best interest rates.  If you wait until you are at the dealership, you will probably end up wasting a lot of money on interest.

2.  Look for last year s model    While this is typically frowned upon on the red carpet and in some of the elite social circles it is the best way to get a steal.  We usually look for a car that has been  leased for a year, is fully loaded and is certified pre-owned.

3.  Look for a car that the dealerships take out for a test drive    This is a great way to save some money.  Dealerships don t like demos sitting around on the lot. They take a hit because of the miles on the car.  You will find that they are very motivated to get rid of these cars at the end of the month, when styles are changing and when the miles start to rack up on demos.

Car Valuation Companies

Selling your car can be stressful and confusing.  How do you know what a fair price is?There are car valuation companies who are out there to help you with all of this. With their knowledge and expertise you can have the information you need to make decisions when you get offers for your car.

You used to go to printed guides like Kelly Blue Book to get this information.  Most of this information can now be found online. Having the information online helps with the out of date information you used to be able to get your hands on. Online valuations allow you to get estimates about what your car is worth accurately and timely.

When using online car valuations make sure you have the options for selling to dealership, trade in or private transaction so your estimate is accurate. You will need to enter your mileage, color, upgrades, maintenance and accident information. So have that handy before you start.

Online car valuation is an important tool and should be one of the first steps you take before looking into sell you your vehicle.

Why get a car valuation?   You need to get a car valuation so you don t pay too much for a new one or you get paid the right amount for your old car. By knowing what the current market value of the cars  whether you are buying or selling will certainly work toward your advantage. Mileage and condition are also big factors, so please keep that in mind.

Why is knowing the car s price important?   Unless you are made of money you are going to want to have an idea of the price so you can negotiate. The more information you have when you are buying and selling the better off you are.  Sometimes people have no clue what the value of their car is or maybe they are in a hurry to get rid of it.  You will be able to get a steal if you are armed with the correct information.  Also, you will be sure not to get ripped off from a dealership.

Insurance?   If you want to buy a new car, you will want to find out what the cost of insurance is.  This definitely adds to the price of the car. You may want to try to get some free online quotes from companies like Geico, AAA, etc.

Selling because of an accident? Your   insurance company is going to want to settle and give you an offer for your car if you have been in an accident and your car has been totaled. Knowing the value of your car will help you challenge their offer if it isn t a good one.  Yes, I said challenge.  You don t have to accept their offer.  Most do not know that!  So, get informed and document the information you find using the car valuation tools out there.  This will definitely help you out when you challenge your claim.  Remember it is your right to get what your car is worth!