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


#what car should i buy
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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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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.


Why your new car is dropping in value so fast #design #a #car


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Why your new car is dropping in value so fast

You know that sinking feeling you get in your stomach when you drive your brand-new car off the dealer lot and you know it just lost a huge chunk of value as soon as its tires hit the public roads? Yeah, well that feeling is about to sink even lower into the pit of your stomach. Used car values are expected to drop significantly in 2015, which is a boon to used car buyers but a pain for everyone else.

The reason for all of this comes down to fairly basic economics: supply and demand. According to a newly released study by Black Book and Fitch Ratings, used car inventories and lease returns are expected to grow by 10 percent in 2015. With the market flooded, prices naturally fall. The research indicates the average vehicle depreciation rate increasing to 14.5 percent for the year, a return to pre-recession levels. In comparison, used vehicle lost just 12.1 percent of their value in 2014.

Anil Goyal, vice president of analytics and strategic partnerships for Black Book, said low gas prices could hurt smaller cars because fewer buyers will be focusing on buying fuel-efficient vehicles. But as the economy grows stronger – particularly the housing market and in the service economies – truck prices will stay stable. The car makers will likely moderate production of trucks to balance production with actual demand, he predicted.

Morgan Stanley predicted the trend towards lower used car prices last year. With new car sales growing in the US, it inevitably means more pre-owned vehicles eventually coming to market. Furthermore, longer-term loans with low monthly payments are reportedly enticing buyers towards new models.

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LAWRENCEVILLE, GA (February 3, 2015) Vehicle depreciation is expected to accelerate in 2015 as increased used-car supply and larger off-lease volumes place pressure on retention rates, according to the latest joint vehicle depreciation report from Black Book and Fitch Ratings, Inc. Click here to download the full report.

According to the report, 2014 new vehicle sales finished the year at 16.5 million units, and Black Book is forecasting new vehicle sales to finish north of 16.7 million units in 2015. The annual depreciation rate on used vehicles in 2014 was 12.1%, slightly lower than its initial forecast. Black Book believes annual depreciation levels on used vehicles will continue to trend toward pre-recession historical rates and climb to 14.5% in 2015.

“2014 depreciation was defined by pockets of volatility due to seasonality, harsh weather patterns and falling fuel prices impacting smaller cars and trucks of all sizes,” said Anil Goyal, Vice President of Analytics and Strategic Partnerships for Black Book. “Looking ahead, lower consumer demand and CAF -driven model competition will place higher depreciation pressure on smaller car segments particularly, but trucks should have stable retention in 2015 due to balanced production levels and strong housing and service economies.”

Fitch believes higher vehicle depreciation in 2015 is not expected to have a significant impact on overall auto asset-backed securities (ABS) performance. Fitch expects U.S. auto loan ABS loss rates to rise in 2015 but not have a significant impact on overall performance.

Fitch’s outlook continues to be stable for prime asset performance and positive for ratings performance, consistent with 2014.

According to Fitch, residual value (RV) performance of U.S. auto lease ABS transactions moderated in 2014 with lower gains ending December 2014 at a 3.87% gain, down from 7.23% a year earlier as vehicle values crept lower during the year while used volume rose.

Looking ahead, used vehicle inventory levels and lease vehicle returns will continue to increase in 2015 by over 10%, along with higher vehicle trade-in volumes. These trends will drive RV losses higher throughout the year, but not impact ratings performance. The outlook for asset and ratings performance for auto lease ABS is stable for 2015, despite these negative trends.

The Black Book-Fitch vehicle depreciation report is a joint venture by the two companies utilizing Black Book’s used vehicle depreciation data, and Fitch’s U.S. auto ABS indices data.

Black Book tracks used vehicle market depreciation rates providing an understanding of how vehicle prices impact automobile lenders and lessors, auto ABS transactions, consumers and other auto market constituents.

“Leveraging accurate and timely collateral data trends from Black Book are critical to auto lenders especially given the changing landscape for risk potential in 2015,” said Hylton Heard, Senior director of Fitch Ratings.

The Black Book-Fitch Vehicle Depreciation Report is available for download by clicking here.


Why do I have to disengage 4-wheel drive? News and reviews. #ex #police #cars #for #sale


#4 wheel drive cars
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Why do I have to disengage 4-wheel drive?

Boston.com Correspondent | 12.01.15 | 3:53 PM

Q. I have been leasing a 2014 Toyota 4Runner since June 2014. Now that winter is around the corner I would like to get your opinion about a problem I experienced last winter while driving with four-wheel-drive engaged (4H). When I would make turns or back up, I would have to disengage the four-wheel drive mechanism. It was as if the emergency brake was applied. There was no problem while driving straight ahead or when driving in 2-wheel drive. I only use 4-wheel drive when road conditions dictate. I brought the 4Runner to the dealership to have the problem checked and the mechanic told me there was nothing wrong. The technician said that is how 4 x 4 s work, power needs to be evenly distributed to all four wheels and that does not happen when making turns and/or backing up. I told him I never experienced this problem with my old 2003 and 2006 4Runners, which also required turning a dial to engage the 4-wheel drive mechanism. I have also owned other 4 x 4 makes/models and never experienced this issue with any of them. I thought maybe I was crazy, but when I mentioned the issue to friends who own 4 x 4 s, they all say it is not normal. I have read a few blogs from other Toyota 4Runner owners complaining about the same problem. Can you shed any light on this problem?

A. The repair tech is correct that there will be a drag when driving in reverse or turning but it shouldn t be as if the parking brake were on. I have driven many Toyota products off-road and there are many instances where the vehicle needs to be in four-wheel-drive and it is necessary to back-up or take tight turns. On a dry road in four-wheel-drive you will get a sensation of crab-walking or wheel-tripping and that sensation would be normal for most any traditional the four-wheel-drive. I recently drove the 2016 Tacoma off-road and although, I could feel the four-wheel drive system on turns or in reverse there was never a sense that I needed to switch out of four wheel drive to maneuver the truck. I would return to the dealer and go for a road test on a gravel road and demonstrate your concerns.

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Q. I have 2015 Lexus RX 350 and want to add a trailer hitch. I don t plan on towing a trailer at this time, but plan to use the trailer hitch for a bike rack or cargo rack. I have seen trailer hitches priced from $150.00 to more the $250.00 with labor to match. Is this something I can do myself?

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A. There are several companies that make custom trailer hitches (Reese, Valley, and Draw-Tite among a few). These hitches are all pre-assembled and in the case of your Lexus would just bolt to the frame. You will need to move one exhaust hanger temporarily before you bolt the hitch in place, but this is about as complicated as it gets. With the help of a friend, the installation shouldn t take more than 60 minutes.

Q. Last week I was driving my daughter s 2014 GM Arcadia, and I noticed it had a calibrated heat gauge, which I like. However, the engine ran at 210 degrees. My Toyota and Nissans have 180 degree thermostats and get plenty hot. I always thought that engine temperatures above 190 degrees, was the beginning of engine meltdown. Is there any issue with these high engine temperatures and engine longevity?

A. There was a time when 160 degrees was typical of a normal operating engine, but over the years engine temperatures have gone up. Today we see most engines operating at 185-205 degrees and even higher as in the case of your GMC. These higher temperatures are accomplished with a mixture of engine coolant and system pressure. A 50/50 mix of water and coolant raises the boiling point of water to 223 degrees and for each pound of system pressure raises the temperature by 2 degrees. A system running a 16 pound radiator cap and the proper mix of coolant would raise the boiling point to 255 degrees. Even at these temperatures there will be no damage to the engine.

Q. I have a question and a concern about driving my 2014 Toyota Camry. The first is, I worry about other drivers and how every accident seems to be a way for someone to make money. The second issue is I wish I ordered my car with navigation. Would it be possible to have an aftermarket dash cam installed to protect me if I was involved in a crash? The second question can a factory navigation system be installed in a car that didn t come with one?

A. Yes a skilled installer at a mobile audio store could certainly do the work and the end result would most likely look similar to the factory system. They could also easily put a dash cam in place, most likely mounted near the rear view mirror and essentially out of sight. A simpler solution might be a combination GPS and dash cam. Garmin has a new product- the NUVI Cam LMT. This unit replicates some of the best features found in new cars. It uses voice commands, real time traffic updates, forward collision warning and lane departure warning systems. There is a built in dash-cam that saves video files on an impact/crash. The maps are very good and when you are approaching your destination the display switches to a camera view to easily identify the destination in real time. My only complaint with this unit is it is big. The overall dimensions are 4 inches by 7 inches and takes up a fair amount of dash/windshield real estate.

Q. My 2005 Dodge Caravan did something weird the other day when I went to start it. After I turned the key, all the gages went to full range, fluctuated and then went back to normal. It did start and ran good the rest of the day. When I tried to start it the next day, it did the same thing. I also noticed that the red flashing security light went out and never came back on. It has been about a week now and the car starts and runs fine, what do you think caused this?

A. This type of problem is usually related to a poor electrical connection. I would look at the main battery cables and well as all the grounding points. Some of these older Caravans also had issues with the instrument clusters. If it is the instrument cluster there is no easy repair other than replacing the circuit board on the back of the gauge cluster.


Incorporating in Delaware: Advantages and Disadvantages #incorporating #in #delaware, #incorporate #in #delaware, #why #incorporate #in #delaware, #delaware #corporation #search, #how #to #incorporate #in #delaware, #delaware #llc


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Updated April 13, 2012

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Incorporating in Delaware: Advantages and Disadvantages

Delaware is a tiny state, but it has an outsized importance in the world of corporations. Nearly half of the nation’s publicly traded companies, including giants like Apple, Coca-Cola, Google and Wal-Mart, are incorporated in Delaware.

Delaware has a long history of corporation-friendly laws. In addition, Delaware’s tax laws allow corporations to be taxed at a low rate in Delaware and avoid higher taxes in their home states.

Should your business incorporate in Delaware. Here are some of the advantages and disadvantages of choosing The First State as your corporation’s home.

For many years, Delaware has tried to position itself as a welcoming home to corporations.

Its laws are generally favorable to businesses, and, unlike other states, it has a separate Court of Chancery that hears cases involving corporate law. Chancery judges have a background in corporate law, and can decide cases relatively quickly, without the need for a jury. This, coupled with the large number of corporations that call Delaware home, means that Delaware has an unusually well-developed and predictable body of corporate law.

These predictable laws allow corporations to make better assessments of the probable outcomes of litigation or the advisability of settling a case.

Delaware has also been called a tax haven. It does not collect corporate taxes from Delaware corporations that do not do business in the state. It also does not tax royalty payments or other “intangible assets.” These tax policies lead to substantial savings for some corporations, but you should consult a tax professional to find out if incorporating in Delaware will provide any tax benefits for your business.

You can form a corporation more quickly in Delaware than in just about any other state, and, unlike some states, Delaware does not require you to publicly disclose the names of the corporation’s directors or shareholders.

Finally, venture capitalists and other outside investors often prefer to invest in a Delaware corporation.

Disadvantages of Incorporating in Delaware

If your business is not physically located in Delaware, you’ll face some additional costs and obligations if you decide to incorporate there. These include:

The cost of registering to do business in your home state and any other states in which you do business (called foreign qualification ). You’ll pay these fees in addition to the fee for incorporating in Delaware.

The cost of a registered agent. If you incorporate in Delaware, you are required to name a registered agent with an actual street address in Delaware to receive legal documents on behalf of your corporation. Unless you know someone in Delaware who is willing at act as your registered agent, you will have to hire a company to provide this service for you.

Franchise taxes. All Delaware corporations must pay an annual franchise tax based on the value of the corporation’s shares. The tax starts at $75, plus a $50 filing fee, and can be as high as $180,000.

Annual reporting requirements. In addition to making any required reports in your home state, you will also have to comply with Delaware’s annual reporting requirements.

If your business is small and does business in only one or two states, the additional costs of incorporating in Delaware may well outweigh the benefits.

How to Incorporate in Delaware

To form a Delaware corporation, you must file a certificate of incorporation with Delaware’s Secretary of State, listing the name of your corporation, its purpose, the number of authorized shares of stock, the name and address of your registered agent, and the names and addresses of the incorporators.

Because the name of your corporation must be different than the name of any other Delaware corporation, Delaware LLC or partnership, it’s a good idea to make sure your business name is available before you file incorporation documents. You can conduct a Delaware corporation search online.

Forming a corporation is an exciting step in the life of your business, but you should think carefully before choosing a state for your incorporation. For some businesses – especially those with outside investors and a nationwide scope – Delaware’s predictable body of law and corporation-friendly tax structure make it a clear choice. But other businesses are better off incorporating in their home states.

Unsure if incorporating in Delaware is right for you? Consult with a tax professional through the LegalZoom business legal plan .

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What is a Content Delivery Network (CDN)? #advantages #of #cdn,advantages #of #content #delivery #network,cdn,content #delivery #network,content #delivery #network #technologies,content #delivery #networks,content #delivery #networks #architecture #diagram,technologies #used #in #cdn,what #is #cdn,what #is #content #delivery #network,why #cdn,why #content #delivery #network


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What is a Content Delivery Network?

Various Web 2.0 technologies have transformed the Internet and the Internet is now enabling content to be delivered in various forms Text, Images, Flash, Audio, Video, etc. When companies need to serve such diverse forms of content, most of the time, they distribute them by hosting them in servers in their data center(s). But the consumer pattern is not always uniform. There may be sudden bursts of traffic requesting web based content from consumers located around the globe. To accommodate for the demand, companies need to estimate and provision additional servers in quantities enough for handling peak loads. More over, on the Internet, there is always a factor of RTT (Round Trip Time) and Packet Loss that needs to be considered, and these parameters have a higher effect on the consumers who are located at greater distances from the servers.

It is to accommodate for these limitations, that Content Delivery Networks were created. A Content Delivery Network is a network of servers hosted by a service provider in multiple locations of the world (usually shared with multiple customers) so that the content could always be served from a server that is nearest to the consumer requesting for it. And besides, since multiple servers are used, the load is distributed and consumers get better quality content, faster. There are many more advantages to a CDN, which we will see in the final section of this article.

A Content Delivery Network (CDN) consists of two components: The Origin Server(s) where the content to be distributed over Internet is originally stored Cache Server(s) where the content is duplicated. There is generally one Origin Server (either in the customer s data center or in the cloud, with the content delivery network service provider for example) and many cache servers (in multiple locations across the globe) so that, when a consumer is requesting a particular content on the Internet, it can be served by a cache server nearest to the consumer s geographical location if the content is available there. Other wise, cache server fetches the content quickly from the origin server after protocol/route optimizations.

Content Delivery Networks provide the following (at a glance):

  • Serving the content from the closest possible geographic location to minimize network latency.
  • Replication (Caching) and deployment of large number of servers to minimize the server latency.
  • Capacity On Demand.
  • Monthly charges as per the content delivery (without high initial investments).
  • Application Acceleration, Compression, Protocol optimization, etc.
  • Route optimization (to identify and route traffic through the best/shortest/least congested route between origin server and cache servers.
  • Static/ Dynamic/ Encrypted content optimization and faster delivery.

Some technologies used by Content Delivery Network (CDN):

Apart from Caching and geographically accessible placement of servers, content delivery networks employ many more technologies to make sure that the content is delivered faster and more efficiently to the consumers. Some of the common technologies employed by CDN are given below to get an idea.

  • While the static content can be cached on the cache servers to be served immediately to the consumers, dynamic content/ embedded objects etc, cannot. So, CDN takes advantage of the http request procedure: When a website is requested, the html is served first, and the embedded objects are served on the subsequent round trips/ requests. So, cache servers store the html parts of frequently accessed content and that is served first, while the embedded objects are requested from the Origin server simultaneously by the cache servers so that by the time the request from the consumer comes for embedded objects, they are already present, and can be served immediately.
  • The fastest and the least congested route (between the cache server and the origin server) is estimated continuously, and the traffic is sent in that route. The communications between the various servers in the CDN are always optimized for performance.
  • The geographically nearest cache server is chosen by the CDN for serving requests. But, if those servers are being utilized to their full capacity, the users are automatically re-routed to the best cache server (irrespective of the distance) that can serve the consumer at that point of time.
  • Some CDN s can prioritize the Interactive/ multimedia traffic in their networks to improve their performance.
  • CDN can use Pull or Push technologies, or both. A pull technology requests for content from the origin server on the receipt of a request from consumers, and also saves it in the process. A push technology involves origin server pushing out all content to cache servers before hand.
  • Some CDN s send multi-cast streams from the origin server to the cache servers and there-on send uni-cast streams to individual users. This can save a lot of bandwidth and processing resources for the origin server.
  • Protocol optimization is used extensively in CDN. For example, multiple handshakes required for establishing / tearing down web connection with http is replaced with a set of long lived and persistent connections (for connections between cache servers and origin servers). This also allows for multiple http requests to be sent using a singe connection, all of which reduce the tame taken for serving requests.
  • Data can be compressed en-route, saving bandwidth and enabling faster responses.

Advantages of Content Delivery Network (CDN):

  • Some CDN s are large enough to accommodate thousands of servers across many networks in multiple countries. This gives a good reach and ensures that users from many countries get fast and reliable access to content.
  • Content Delivery Networks allow for monitoring (and proactive fault rectification) of various parameters like successful delivery of content, traffic patterns/ peak times etc. Some of them even allow for real time notifications of threshold values set by the customers.
  • When compared to in-house hosting, content delivery networks are advantageous because there is no high initial investment in hardware/ bandwidth/network required as most CDN s charge per month and only for the amount of content delivered.
  • CDN s are the best way to serve a large number of random users across the globe through the Internet. Alternative technologies like application delivery controllers can accelerate applications over WAN but require that these hardware devices be present in sending as well as receiving locations.
  • Reduced content delivery latency / reduced load on origin server.
  • Easy, fast and on-demand scalability .
  • Best technology to handle unexpected peaks in web traffic.
  • CDN s are highly redundant as requests can always be transferred to other servers (if one of them is down) and hence they almost provide 100% availability .
  • Integration with authentication/ encryption systems are supported by CDN.
  • Few CDN s also distribute content using Peer to Peer technology where a large number of user PC s are used to deliver content to nearby users. These networks can expand to support virtually unlimited users especially with the latest developments in P2P like Peer Assignment Algorithms that distribute the traffic more efficiently between peers.
  • CDN s reduce RTT (Round Trip Time) between the users and servers as servers are located near the users.

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In case you want to add any points or have any questions you can use the comment form below or contact us using the contact form. You could also keep yourself updated with the various technologies in the computer networking domain by subscribing with your email address in the sidebar box mentioned as Get Email Updates When New Articles are Published .

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What Is a SaaS Cloud Suite #why #saas


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Oracle Software as a Service

What Is a Software-as-a-Service Cloud Suite?

Software as a service (SaaS) allows users to subscribe and use application software in the cloud. A modern cloud suite provides complete software for your entire business so that you can subscribe to certain SaaS applications as needed, such as: accounting, HR, procurement, project management, service, sales management, marketing, transportation management, and supply chain.

A modern SaaS cloud application suite enables users to personalize software for their role. With a modern SaaS suite, you can easily connect your entire business from any device, anywhere. You can connect to other clouds and integrate to existing systems. Modern SaaS applications are designed to be secure at every layer of the cloud. Modern best practice processes and embedded data-driven intelligence are built-in not added in later. Oracle s complete, modern SaaS applications offer you all this from the industry s most flexible, proven, and secure cloud infrastructure.

How to Survive in the Age of Digital Disruption

Businesses look to compete in new ways in the digital age. What do digital disrupters have in common? How do they use cloud computing technology to their advantage? Use this digital disruption assessment checklist as a guide to gauge your readiness to:

  • Identify key parts of your business ripe for fast improvement
  • Conduct a regular process to assess that you are using the right digital metrics
  • Innovate key parts of your business as you go
  • Impose minimal business disruption and reduce costs
  • Examine, identify, and launch a new business model

Modern Cloud Applications Design

Learn more about Oracle’s complete, data-driven, personalized, connected, and secure cloud.

Learn how to exploit enabling technologies to achieve more, faster—and with fewer resources.

Build a collaborative, efficient, and intuitive back-office hub with the latest mobile and analytics technologies.

Drive predictable performance, report with confidence, and connect the entire organization.

Accelerate supply chain innovation and drive smarter, faster decisions at any point during a product’s lifecycle.

Give your enterprise the power of Oracle’s rich HR, talent management, and social solutions with the speed and convenience of the cloud.

Strengthen customer relationships with a platform that improves service consistency and ensures repeatable service quality.

Discover the most comprehensive analytics offering in the cloud, combining BI, big data analytics, and embedded SaaS analytics.


10 cheapest cars: Why (almost) nobody buys them #0 #car #finance


#cheapest used cars
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Story Highlights

    Nissan Versa sedan is lowest-price new car at $12,780 Dealers seldom stock bare-bones models Most buyers demand more features

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Cheap new cars can be a disappointment zone.

If you go looking for the $12,780 2014 Nissan Versa sedan that went on sale Tuesday as America’s lowest-price new car, good luck. Dealers almost never stock the lowest-price model.

They say nobody buys the bottom version, and shoppers say that’s because they aren’t available. Automakers say the so-called “take rate” for the lowest-price version of any model runs from 2% to 5%.

Using that new Versa as an example, the bottom-price model has a manual transmission. Few can or will drive a stick-shift nowadays. Moving up to the conventional four-speed automatic adds $1,000.

And you still don’t have the high-mileage version you probably saw advertised.

That’s the one with the CVT (continuously variable-ratio automatic transmission), which is rated an appealing 40 mpg on the highway. Lowest-price CVT model is the S Plus, starting at $14,580, including shipping.

Suddenly, instead of a chops-licking, less-than-$13,000 new car, you’re getting close to $15,000.

At which point buyers often start thinking about nicely equipped, lightly used cars instead of new ones.

It’s not just Nissan. Most automakers price their vehicles that way.

Of course, there’s more profit in even slightly higher-price models, so that’s what car companies want to make and dealers want to keep on the lot and in the showroom.

In addition to being hard to find, bare-bones cars just aren’t that desirable, even among those who swear they “just want basic transportation.” Often “basic” means sans air conditioning, power windows and a radio.

Power windows sounds like a luxury until you picture yourself reaching from the driver’s seat across the car to hand-crank the passenger-side window.

Using Versa again, the average transaction price is $16,092, according to research and shopping site TrueCar.com. Three cars have lower average transaction prices: SmartForTwo ($14,264), Chevrolet Spark ($14,707) and Mazda2 ($15,528).

Transaction price is all-in, out the door, so it includes taxes and license fees as well as factory rebates, shipping and dealer discounts.

And cheap-to-buy often isn’t cheap to own. A low-price vehicle frequently depreciates faster than a more expensive car, so at trade-in time, the gap between the value of what you have and what you want is pretty big. Depreciation is the single biggest cost of owning a car, but often overlooked because it doesn’t hit until years after you buy the car.

The 10 cheapest new cars in the U.S.

The list was complied by kbb.com and USA TODAY research. Rankings are based on sticker prices, including shipping charges. All are 2013 models except the 2014 Versa.

•Nissan Versa S Sedan, $12,780

•Chevrolet Spark LS Hatchback, $12,995

•Smart ForTwo Pure Coupe, $13,240

•Ford Fiesta S Sedan, $13,995

•Kia Rio LX Sedan, $14,350

•Ford Fiesta S Hatchback, $14,995

•Chevrolet Sonic Sedan, $14,995

•Toyota Yaris 3-door, $15,165


Is there reboot or restart log to explain why or what? Windows 7 Help Forums #is #there #reboot #or #restart #log #to #explain #why #or #what?, #windows, #seven, #microsoft, #windows #7, #windows #7 #forums, #windows #7 #tutorials, #windows #help, #support, #dell, #acer, #hp, #asus


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Windows 7: Is there reboot or restart log to explain why or what?

Random re-boots are a difficult thing to trace as the actual event does not give the operating system time to react and write an error message – you may find some clues in the Event manager – but this may be misleading as the actual cause of the re-boot is rarely logged.

To find the Event Log right click on Computer and select manage

The most common cause of random re-boots is probably the Power supply but of course there are other possibilities.

First things to do is check that the specification of the PSU is sufficient for the hardware installed

Keyboard Logitech Wireless K710 K400
Mouse Logitech Wireless MX Master M570 Trackball
PSU Aerocool Templarius Imperator 750W 80+ Silver
Case AeroCool X-Warrior Devil Red Tower
Cooling Stock CPU, Rear 120mm, Front 2x120mm, Side 2x120mm
Hard Drives Internal Crucial 256GB SSD, WDC WD30EZRX-00D8PB0 3TB, Toshiba HDWD130 3TB Seagate ST2000DM001-1CH1 2TB, External (USB3) Seagate Backup+ Hub BK SCSI Disk 8TB 2.5/3.5 Hot Swap Cradle, USB3 + eSata (client HDDs) NAS Seagate ST4000DM000
Internet Speed Orange Fibre Broadband 37Mb/s Down – 9.5Mb/s Up
Antivirus Bitdefender Total Security 2017 Multi-device
Browser Chrome (always run latest Non-Beta)
Other Info Also run. Desktop – 6Core 8GB – Windows 10 Enterprise x64, Laptop – Quad 8GB – Windows 10 Pro x64 Netbook – Ubuntu Not used often 😉 2 x Nexus 7 Android tablets Samsung 10.2 tablet + Keyboard and Logitech T620 Mouse Sony Z3 Android Smartphone HTC One Android Smartphone

Also having this problem

I am also having this problem. It’s happened 2 or 3 times so far (I got a new machine a couple of months ago) and it always happens when I am away and the machine is idle. At first I thought it was Windows Update but I have that set to not install without my telling it to do so. I looked at the Task Manager and figured out how long the system has been up, so I went to System Events and found the events after the reboot. I’ve got this message after it restarts:

The system has rebooted without cleanly shutting down first. This error could be caused if the system stopped responding, crashed, or lost power unexpectedly .

The first message after the reboot is at 11:40:32am and the previous message was at 10:17 so there is nothing obvious there (I guess it could show that it was not a clean shutdown since there are likely lost messages). I checked my C: disk for files modified around 11:40 to see if I could figure out what was going on when it rebooted. At 11:38, there is activity in
C:\Users\bill\AppData\Local\Microsoft\Feeds\FeedsStore.feedsdb-ms

Also FeedsStore.feedsdb-ms and Internet Explorer Suggested Sites

feed-ms in the same directory structure.

Obviously other files might have been updated right before the reboot but they’ve been updated since then.

I doubt this has anything that will help solve the problem but hopefully the next person who has it will add their information and maybe we can figure it out.

Quote: Originally Posted by MisterBill2

I am also having this problem. It’s happened 2 or 3 times so far (I got a new machine a couple of months ago) and it always happens when I am away and the machine is idle. At first I thought it was Windows Update but I have that set to not install without my telling it to do so. I looked at the Task Manager and figured out how long the system has been up, so I went to System Events and found the events after the reboot. I’ve got this message after it restarts:

The system has rebooted without cleanly shutting down first. This error could be caused if the system stopped responding, crashed, or lost power unexpectedly .

The first message after the reboot is at 11:40:32am and the previous message was at 10:17 so there is nothing obvious there (I guess it could show that it was not a clean shutdown since there are likely lost messages). I checked my C: disk for files modified around 11:40 to see if I could figure out what was going on when it rebooted. At 11:38, there is activity in
C:\Users\bill\AppData\Local\Microsoft\Feeds\FeedsStore.feedsdb-ms

Also FeedsStore.feedsdb-ms and Internet Explorer Suggested Sites

feed-ms in the same directory structure.

Obviously other files might have been updated right before the reboot but they’ve been updated since then.

I doubt this has anything that will help solve the problem but hopefully the next person who has it will add their information and maybe we can figure it out.

run the program and it will tell you why your computer crashed.

this has worked great for me.

Display Driver stopped working, will not reboot, restart loop
Hello, first time posting here, so be gentle, graphics card: ATI Radeon HD4870 x2 running on windows 7 x64 ultimate so i have had this problem before, basically i was browsing away and my whole pc froze, with a strange little box around my cursor, although the sound was still working, i.

Crash dump failed to initialize x2 on each reboot/restart
Friends I’d like to rid myself of this annoyance: on each startup/restart/reboot I get a pair of these errors, about 15 seconds apart. System is a P4 desktop, 4GB ram, conventional hdd, windows 7 ulti x64. appreciate your advice z

BSOD Help and Support

Monitor loses signal during reboot after install requiring restart
HP Pavilion Elite HPE-170t CTO Desktop PC HP 2509M Monitor connected with HDMI cable Windows 7 64-bit I bought this pc from HP in 2010. It ran perfectly until i got a virus a few months back and lost both hard drives due to corruption and had to start from scratch. I had a local.

Hardware Devices

Windows 7 reverts back to old wireless profile on reboot,restart,wake
😡 Windows 7 continues to revert back to the old wireless profile despite me deleting all old wireless profiles. Wireless adapter is Edimax EW-7128g, newest drivers for Windows 7 64bit First set up a WEP profile the usual manner by connecting using the bottom-right wireless networking.

Network Sharing

[REBOOT] Sudden Random Reboot and black screen at start up!
– x64; – the original installed OS on the system: Windows 7 fresh install; – full retail version; – What is the age of system (hardware): less than one year; – What is the age of OS installation: less than three months. Hello, this morning my elitebook 8540w suddenly rebooted and during.

BSOD Help and Support

On overheat/sleep/reboot BSOD flash and auto-reboot
I purchased my HP Compaq 8710p laptop from Purdue University in May of 2008. A little after that it was stolen from me. Thankfully I had it LoJack secured, and they were able to recover it in London. When I got my computer back, however, the Windows XP that it had come pre-installed with was.

BSOD Help and Support


Why Diesel? #spain #car #hire


#diesel cars
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Why Diesel?

Today’s diesel vehicles are clean, quiet and fun-to-drive, and many consumers are learning diesel is an environmentally conscious option that does not sacrifice power or performance.

Why Diesel?

Clean diesel cars, trucks and SUVs typically achieve an impressive 20 to 40 percent improvement in fuel economy and 10 to 20 percent reduction in emissions when compared to a similar gasoline powered vehicles (www.fueleconomy.gov ). Recent advances in emission control technology, combined with the introduction of ultra-low sulfur diesel fuel in 2006 enabled diesel-powered cars and pickup trucks to be certified for sale in all 50 states, generating greater interest in this new generation of clean diesel cars and SUVs. These changes, combined with market success of a limited range of existing diesel products have prompted vehicle manufacturers to consider diesel as a new option for passenger vehicles or to expand the number of diesel offerings available.

Clean diesel engines eliminated black smoke since 2007 with the introduction of new particulate filters. And because diesels deliver up to 40 percent better real-world fuel economy. national fuel economy standards for cars and light-duty trucks beginning in 2017 are also expected to be met in part by an increasing number of clean diesel passenger vehicle choices. Today’s diesel vehicles are clean, quiet and fun-to-drive, and many consumers are learning diesel is an environmentally conscious option that does not sacrifice power or performance. Clean diesel technology in today’s properly maintained vehicles emits near zero levels of emissions. Exhaust from new clean diesel trucks is so clean it passes the “white handkerchief test.” If you hold a handkerchief next to the tailpipe and rev the engine, it stays white – picking up no smell or black soot. That’s why we call it #cleandiesel.

Clean diesel is not a “bridge” concept or “down-the-road” expectation – these vehicles are on the road right now providing impressive hybrid-like mileage and meeting the same emissions standards as gasoline vehicles. Just as important is the fact that automakers are introducing more diesel-powered models every year and consumers are warming up to the efficiency and unique characteristics of the powertrain. In fact, many drivers report fuel economy benefits that consistently rival a hybrid, and exceed EPA window stickers posted mileage. These vehicles are clean with low CO2 emissions, they provide great performance, they are renewable fuel-ready and most important – they are available to the American public right now.

While diesel passenger vehicles currently make up a modest 2.88 percent of the entire U.S. vehicle market, Diesel Technology Forum has collected consensus forecasts from auto and market analysts who predict that diesel cars, pickups and SUVs will comprise about seven percent of the market by 2020 or just over one million diesel-powered cars and trucks on the road, saving almost eight million tons of carbon emissions and about 24 million barrels of crude oil.

Auto analysts and other comparative studies have also determined a significant savings that diesel owners experience compared to gas vehicle owners based on fuel costs, resale value and operating costs. Diesel vehicles saved owners as much as $2,000 to $6,000 in Total Cost of Ownership (TCO) during a three to five year period when compared to similar gasoline vehicles.

Biofuel Compatible

Diesel technology’s future value is further enhanced by its suitability for hybrid applications and its readiness to use a diverse range of first and second generation renewable and biodiesel fuels making diesel a clean and sustainable choice.

Diesel engines were originally invented to run on vegetable oils. Today, most diesel engines can run on high-quality blends of biodiesel with little modification as well as next-generation, drop-in renewable diesel fuels which offer even further benefits. This flexibility of the diesel platform can accelerate the introduction of these renewable diesel fuels across the economy.

Diesel drivers have the option to fill up with blends of biodiesel at the pump. Most new and existing diesel vehicles and equipment are compatible with lower level biodiesel or renewable diesel fuel blends, between five percent and 20 percent depending on manufacturer warranties.

When powered with a blend of five percent biodiesel, or B5, the anticipated growth in the light-duty car fleet will save a further 200 million gallons of gasoline and reduce CO2 emissions by a further 150,000 tonnes by 2023.

Top 10 States of Diesel Drivers in 2014 – Total Diesel Passenger Vehicles

Top 10 States of Diesel Drivers in 2014 – Highest Percentage of Diesel Passenger Vehicles

Home – Integrity Outsource #why #outsource #hr


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Welcome to Integrity Outsource

Running a business is difficult. The larger it gets the more difficult it becomes. Administrative tasks like payroll and human resources are not profit centers and should be outsourced to experts.

At Integrity Outsource we take paperwork off of your desk and free your calendar to focus on the vital factors that matter.

Our PEO will save you time and allow you to get back to business; no more HR headaches or payroll hassles. A quick consultation to cover your needs our professionals will have you up and running in no time.

Our people, systems, software, and experience bring value to your company. We have a heart for service, respond quickly to client needs and business owners, Chief Financial Officers and Office Managers love us; we think you will too.

CLIENT TESTIMONIALS

“Thank you to you and your team for your support and hard work in making this transition as smooth as possible.” Owner, In Home Healthcare Company “Thanks very much. And this was incredibly quick…I really appreciate you.” Owner, Franchise Restaurant “Thank you! Once again. You are wonderful!” Owner, Franchise Hair Salons “Thank you very much for the quick response and these documents (job descriptions). They are terrific.” Executive Director, Non-profit Youth Sports Organization “Thank you so much! I have a lot to learn and truly appreciate your taking the time to explain.“ CFO, Real Estate Development Company “Thanks! You guys are ‘awesome’ from the little stuff to the big stuff! You guys so Rock! Thank you” Office Manager, Interior Design Company “I approved the payroll, that was super easy. Your system much more intuitive.” Owner, Retail Store “It’s been nothing short of a pleasure since we came on board with Integrity Outsource, I am happy to take the time to congratulate you on your fantastic team!” Office Manager, Interior Design Company “I think this is a great solution! Thanks for being there for us.” Senior Administrative Assistant, Non Profit for Special Needs Kids “I really appreciate the great customer service. You really went the extra step to help us out. Have a great weekend.” President, Healthcare Management Company “Thank you for the login, you are correct, the site is clean and simple! You have been fantastic to work with and I will definitely refer to you for future clients PEO needs!” Medical Doctor “Best customer support goes to. you! THANK YOU” Owner, In Home Healthcare Provider

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