Low Credit Score? Learn 5 Things That Will Cost You More

It’s a well-known fact that you will have to pay more for some expenses if you have a low credit score. This article will help you to get prepared for these extra expenses as it will tell you the five crucial things that will definitely cost more due to poor credit. Whether you need a […]

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Pasadena – The City of Gold

Pasadena’s serene nature, imaginative homes, stunning business district, and colorful nightlife earn it the reputation of being one of the most popular cities for tourists and Angelinos. Pasadena resides just outside of Los Angeles to the northeast. This mini metropolis has its own museums and community parades making it safe and educational for families. Pasadena is Los Angeles County’s fourth largest city, coming into establishment over one hundred years ago. Pasadena offers a big city experience in conjunction with a wholesome environment, which can make it more appealing than Los Angeles.

Because it is an older city, neighborhoods are populated with magnificent turn of the century mansions and large classic Spanish Revival homes, California Craftsman bungalows and Victorians. There are many gorgeous neighborhoods in Pasadena that are well known and no matter.

Pasadena is located to the east of Los Angeles. Pasadena sits above South Pasadena and San Marino and is south of La Canada Flintridge and Altadena. Eagle Rock is just west of Pasadena while Sierra Madre borders along the east. Pasadena is connected to the Metro Gold Line, which can take people all over Los Angeles. Owning a car is easy because of the large parking lots and numerous parking meters throughout Pasadena.

Pasadena has many aesthetically pleasing areas to explore. Old Town Pasadena is decorated with modern promenades and large boulevards. Pasadena is the home of the Rose Bowl where many championship games are held. On weekend mornings one can find Los Angeles locals exercising around the Bowl. Once a month the Rose Bowl becomes a large-scale flea market where consumers and buyers can haggle over unique items. On New Years Day the Rose Parade dances around the streets of Pasadena. There are also a series of historic Beaux Arts bridges that add to the artistic ambiance of the city.

There are other contributors to this ambiance like the Norton Simon Museum. When the city of Pasadena was first founded, this museum was named the Pasadena Art Institute. Over time it became the Norton Simon, but it did not forget its mission of showcasing traditional and contemporary art. The Norton Simon holds original pieces created by Rodin, Picasso and Van Gogh. Pasadena also celebrates performance art. The city is furnished with outdoor stages, playhouses and pavilions that are a source of musical and theatrical entertainment. Pasadena is the home to structural artifacts like The Gamble House, built in 1908. This mansion is a blend of Craftsman and Japanese style homes that are open for tours.

The area deemed “Old Town Pasadena” is the city’s main business district. Old Town Pasadena is full of fashionable boutiques, shops and commercial retailers. Most of the cafes and restaurants have large patios because of the consistently fair weather. This weather allows for a lively night scene. Bars and restaurants sprout to life; comedy clubs roar with laughter, and the streets of Old Town sport aspiring musicians performing their art. Pasadena is a great city in which to have fun, be safe and enjoy life.

If you’re a homeowner looking to sell your Pasadena home, it is best to perform your due diligence and hire an experienced Pasadena real estate agent to represent you. This is equally true for those looking to invest in home ownership in Pasadena. An experienced agent who understands that city and all the special neighborhoods will make sure your interests are protected and that you are well represented in the transaction.

Auto Insurance Agents Are Like Professional Advisors

Whether you are searching for the perfect business insurance cover or a personal protection with life insurance policy, you must take the support of experienced auto insurance agents because of many advantages. The trusted agent helps choose the best policy by comparing different auto insurance quotes from multiple providers for confirmed economical benefit. You are open to variety of insurance options, which is the first thing that you need to consider for a profitable insurance coverage. You save a lot of dollars in this process, but with adequate coverage from a reputed insurance provider. Here are some tips that are beneficial to consumers for saving money without sacrificing coverage quality.

Start with the Car Buying Process

Think about the insurance cost of the specific car when you go out to buy either a new or used car. Understand that auto insurance premium depends of specification of the particular car, its cost, safety elements, its demand in the public, target level in burglars and many more.

Combine Insurance Policies

You can achieve potential savings when you buy the auto insurance from the same provider that has your homeowner coverage. Combining all the motor vehicles of the family under one plan of insurance carrier would also draw attractive discount. You must do meticulous homework to get additional discounts in buying policies.

Compare Auto Insurance Quotes

Rates of auto insurance vary from one to another provider in a surprising way. It is profitable to shop online for better financial gain. Obtain auto insurance quotes with full information on coverage from multiple carriers. Trusted auto insurance agents are properly qualified in offering expert opinion on different rate quotes against coverage status of separate policies along with customer ratings of major providers so that you are able to pick up the right insurance policy for your car for the protection of yourself and the family.

It is all the more significant because you would need the encouraging response of the insurance provider in cases of emergencies and accidents. Ensure that you are selecting a carrier with superior report on customer service. It requires careful homework in an honest and appropriate manner about company ratings, claims settlement activity and so on.

Improve the Quality of Driving

Lessen driving activity, which practically reduces chances of emergencies and accidents. Consumers get low mileage discounts for driving less than the average distance every year. Get used to carpools on a standard basis and qualify for additional discounts in premiums.

The safer you drive, the more you save. If you are without any accident history including traffic rule violation record in a certain period of time, you are sure to qualify for addition discounts for safe driving. Taking the defensive driving course is another way to obtain better discounts.

Incorporate various safety gadgets such as automatic seat belts, anti-lock brakes and alarm system and many more in your vehicle to cut the possibility of theft ad injury

Conclusion

Professional auto insurance agents are skilled to inform consumers about factors that help reduce the cost of the insurance including increasing deductibles, the value of maintaining good credit rating, etc.

Search Results

Movie star James Dean died exactly sixty years ago, thus becoming an immortal inspiration for young people distraught with society. Unbelievably, his legacy can be recognized more frequently not so much in his fellow actors, but in recording artists.

Morrissey, who with Johnny Marr ascended to fame as co-founder of the Smiths, became one of the actor’s most enthusiastic though unlikely fan. Not only is Morrissey British, unlike his very American subject, but the singer has none of the physical rebellion that the actor represented.

While the Hollywood star relished fast cars, which would result in his untimely death, Morrissey is well-known as a staunch vegetarian and advocate of animal rights. The actor, through films like Rebel without a Cause, became an icon for anti-bookishness. Morrissey, on the other hand, espouses poetry and classic writers like Oscar Wilde, W.B. Yeats, and John Keats.

In spite of these discrepancies, Morrissey dedicated an entire video to his visit to the grave. “Suede head” depicts Morrissey in Indiana, as he wanders through the old school, a farm, and several Midwest sites that resemble where the actor spent his childhood. The end of the video shows Morrissey placing a flower on the grave.

Other artists, both before and since Morriseey, have referenced him in their songs. Here are fifteen of the most well-known of those artists, and the tunes that esteem the movie star who in his prime lost his life sixty years ago.

“Style” by Taylor Swift

The pop country queen sings to her man, “You’ve got that James Dean daydream look in your eyes.”

“James Dean” by the Eagles

Don Henley and Glenn Frey wrote an entire tune about the actor who they claimed was a master of “sock hop, soda pop, basketball and auto shop.”

“Rock On” by David Essex

The one-hit wonder resuscitated the memory of the star on this chart-topper, nearly twenty years after the fatal accident.

“American Pie” by Don MCLean

The singer-songwriter mentions many artists on this classic, including The Beatles, the Byrds, and the Stones. Even before he gets to those icons, McLean sings about “a code borrowed from James Dean.”

“Jim Dean of Indiana” by Phil Ochs

Taking a break from his anti-war songs, the one-time Dylan folk hero penned this musical biography that at times is more about the Winslows who took him in while a youth.

“If I’m James Dean, You’re Audrey Hepburn” by Sleeping with Sirens

The longest title on this list manages to pair up two Hollywood greats, even though the latter may be virtually unknown to those of the rock band’s generation.

“James Dean (I Wanna Know)” by Daniel Bedingfield

This tune was a huge hit in the United Kingdom, where apparently he is the most idolized American actor.

“We Didn’t Start the Fire” by Billy Joel

The piano man listed hundreds of pop culture names in this smash hit, on which he sandwiches him between Einstein and Davy Crockett.

“Jack and Diane” by John Cougar

The male lover in the title “does his best James Dean” according to this smash hit from the American Fool album.

“Ridin’ with James Dean” by Joan Jett and the Blackhearts

Of course the Queen of Leather Rock would be in awe of the actor, whom she probably likes even more than her “Bad Reputation.”

“Vogue” by Madonna

The material girl on this track lists several of her idols, where he follows Garbo, Deitrich, DiMaggio, Monroe and Brando.

“Walk on the Wild Side” by Lou Reed

The transgender named Candy, one of several described in this hit from Transformer, “thought she was James Dean for a day.”

“James Dean” by the Goo Goo Dolls

The same band that scored huge success with “Slide” and “Iris” show their appreciation for a more well-known subject n this tune.

“Mr. James Dean” by Hilary Duff

Although better known as Disney’s Lizzie McGuire, Duff has managed to release some solid music like this track to an appealing character in her life.

“James Dean-esque” by the Crocketts

The actor as you can see is mentioned in a many titles, but this is one of the few that actually use the suffix “esque.”

Renting a Car From a Reputable Company Comes With Many Benefits

A car hire agency is a company that temporarily rents vehicles to customers per a contractual agreement. In many cases, rental companies are organised through an array of branch offices making it possible for the consumer to return the car at the location of their choice. A lot of the time, companies can be found near airports, in busy urban areas, or can be found via the internet.

Most of the time, care hire companies serve people who are looking for a temporary mode of transportation when they are on holiday, a business trip, or other reason. For some, utilising public transportation simply isn’t an option due to schedule and cost. It is often more economic to rent a car than it is to keep paying bus fares.

For example, if you are flying into another city or even country, you probably will not have your personal vehicle with you. This is where renting an automobile becomes necessary. Most agencies will have a variety of styles to choose from ranging from small to large, prestigious, and specialty vehicles. If you are traveling with a group, vans can be rented to accommodate the needs of your party.

Extra products are usually offered by care hire agencies such as insurance plans, GPS units, entertainment systems, and in some cases, mobile phones. Check with the agency you are considering rental from to see if they include any of these amenities in their rental packages.

Insurance is a necessary component when renting an automobile. There are numerous types of insurance plans offered that have been designed to support you and the agency should the vehicle become stolen or damaged. Think about utilising rental insurance, as the fee for this option is far less than paying for a car that has been in an accident. Most companies insist you get insurance.

There are conditions to renting a vehicle depending on the country you are visiting. Some companies have their own protocols that they choose to follow. For instance, it is probably in your agreement when the car needs to be returned. Failing to return the vehicle at that agreed upon time might result in a penalty fee.

Another condition that many rental agencies impose is mileage restrictions. You might not be able to drive over a certain distance, and if you do, you could be charged. Age restrictions are also something that companies might have in their protocol. These are all aspects to discuss with the rental company before you commit.

If you should have a young driver (in some cases, anyone under 25) you might have to pay extra. In all cases, a valid driver’s license must be presented in order to rent a car. Some countries also require an International Driving Permit (IDP).

It might sound like there are a lot of restrictions and fees to utilising a care hire company but there are agencies that offer great deals via all-inclusive packages. What this means is, everything from insurance to unlimited mileage is included in a flat rate fee.

When considering renting a car, know that most agencies require you to place a credit card within their database. The card will not be charged unless there are damages to the rental or you leave it dirty when bringing it back. Some companies charge when the car is returned without any petrol. To ensure that you do not have to deal with this, always return your rental in the condition in which you took it.

It is always wise to look over the vehicle before driving off the lot to ensure there are no pre-existing damages. If you notice any, bring these findings to the company staff immediately so that they might be accounted for. This will protect you from being charged for the damages in case the company hadn’t noticed them from the previous driver.

Sirius XM Radio Subscription

Overall Ranking: 98/100

Price: 9.99-18.99 per month plus equipment

Owners: Sirius XM Holdings Inc.

Website: Yes

INTRODUCTION

A Sirius XM radio subscription is programming that is broadcast via satellite rather than regular AM or FM signals. The signal can be received from most anywhere, including home, car, and now via internet.

The programming is largely commercial free, save for the occasional internal plug for other programming or an upcoming event.

In light of this subscribers pay a fee for the service.

There are as many as 175 channels ranging from all sorts of music genres, sports, and talk.

PROS/CONS

Good

· Reception most anywhere

· Can listen to the same station coast to coast

· Commercial free programming

· Wide variety of programming

· Reasonably priced

· Excellent customer support

Not Good

· Temporary interruptions of service

· Poor reception in tunnels and over-passes

WHO IT IS FOR

Anyone who enjoys radio that offers a vast selection of programming. There is something for everyone.

It’s for anyone who does not like commercials.

It’s for anyone who wants control of what they hear when they want to hear it.

TRAINING/TOOLS OVERVIEW

Training is self-explanatory. To borrow an outdated camera term, it’s similar to point and shoot.

The tools needed are: a subscription, their proprietary equipment, which can be self-installed or professionally installed.

There are home installations and mobile installations.

The same radio can be used in the home as well as the car, by removing it from docking station and plugging it in to the other.

SUPPORT

There is telephone support, email support, and live chat via internet support.

The support staff is very helpful and will go to most any length to satisfy a listener’s concern or correct a particular problem.

If additional help is needed over and above what can be provided by regular support staff, there is an escalation department that will step in to make sure things are handled properly and to help you get started again.

PRICE

Subscriptions range from 9.99 per month for the 80 channel (mostly music) package, to 14.99 for the 165 channel package (select), to 18.99 for the 175 channel package (all access).

Discounts are available for semi-annual and annual subscriptions as well.

Some new cars come with Sirius/XM installed. In that case, a subscription is all that’s needed.

Otherwise, you will need to buy their equipment, which can range from $50 to around $150 depending on the equipment purchased.

They sometimes offer re-conditioned equipment at a discount.

Sirius XM Radio Online is also available.

For those who have the equipment, it’s $4 extra for the online subscription.

For those without the equipment, who only want to listen online, it’s 14.99 per month.

FINAL OPINION/VERDICT

It is a wonderful product. Music lovers can enjoy stations devoted to 40’s on channel 4, 50’s on 5, 60’s on 6, 70’s on 7, 80’s on 8, and 90’s on 9 to name a few. Classic rock lovers can listen to Deep Tracks on 27, featuring all the great music that didn’t make the top 40, and can enjoy some of the most informed and passionate DJs ever: Earle Bailey, Meg Griffin, Michael Tearson, Dan Neer, Jim Ladd, and a special show “Buried Treasure”, hosted by Tom Petty.

If you listen to the radio and want what you want when you want it, it’s worth the few cents per day it costs for the subscription plus equipment.

It’s possible to go on a road trip and listen to your favorite show every day you’re on the road from anywhere in the United States and Canada.

I highly recommend this product.

Goodbye Friends, Family, Prada Bag! Starting Over As an Artist

Three years ago I fled an enviable career in the USA as a dealer in the high-powered international art world. Some called it a midlife crisis, but I prefer to think of it as a midlife correction. I simply couldn’t bear the idea of one more gallery opening, museum gala, or cocktail party. I wanted something different; to kick off my Jimmy Choos, run away and find something more authentic. And so I did.

I am not the first person to re-create her life. Indeed, as the world suffers from financial meltdowns, women everywhere are being forced to redefine themselves. Change can be frightening, especially if it’s not of one’s own making. But change can also bring opportunity, with the deepest rewards found in the effort.

On the surface, I had the perfect life; a gorgeous bungalow in sunny Arizona, frequent first-class travel, a stellar career in the glamorous art world. Parties peppered my diary, while shopping filled my weekends and my closets.

This life came about by accident. I had studied photography at university. But somehow my sideline selling art to pay my way through college developed into my profession. Two decades later, as I approached my forties, I was at the peak of my career, yet inside I was unfulfilled as I yearned to express my own creative urgings.

It began as I sat at my desk trying to shake what I thought were the Monday-morning blues. A colleague joked, ‘It’s days like these that make me want to move to France.’

Something in my heart sighed, ‘Yes.’

‘But that’s ridiculous,’ I thought as I turned to a glossy arts magazine and began thumbing through it. Ten years earlier I had spent some time at a small arts school for American students in a remote Provencal village. The idea of returning to this idyllic hamlet suddenly seized me. Perhaps I might rediscover the sense of inspiration that I’d experienced there years before? Was that the last time I’d felt inspired, I wondered?

As I continued to flip through the magazine dreamily, I remembered an American artist I’d met who lived there. What was his name? As I turned the page, my heart stopped. I have no memory for names whatsoever but I always remember pictures. There, in front of me, was an article about his work, the very artist I had just been thinking of who lived in Provence. I put down the magazine. I had made my decision.

The idea of leaving my life behind wasn’t rational but I believed I had received a sign. For that brief instant, I had hope that my life might be different, might be a better reflection of what I felt inside. I gripped my decision with single-minded determination. ‘This is your chance,’ something invisible whispered to me.

I couldn’t afford to live in France. I’d have to get a car, a place to stay, and I had my share of credit-card debt. But one look around my house and I realised I might be able to bankroll this madcap idea. You see, I was the sort of girl who liked to buy things. Shopgirls lit up when I entered their doors. Now all of this stuff I had accumulated was going to find a new home in order to fund mine.

Like most, I tended to identify myself by my possessions. As I began selling my precious belongings, the contemporary art collection, the classic-film library, the stainless-steel pots and pans, the doubts crept in. By the time my antique furniture was going under the hammer I had become an insomniac, pacing the floors each night racked with fear.

My family and friends were supportive though they thought I was mad. After I left my job, new and exciting offers began trickling in. I was tempted and my resolve wavered, but I grimly persevered. Whatever had gripped me about moving to France stubbornly refused to let go.

It was a week before D-Day when I broke. I’d been feeling wobbly, but had spent the previous few months so totally focused on shedding the last remains of my American life there wasn’t time for emotion. Suddenly, the tears were falling furiously for having been denied. I wailed – for my family and friends, my house, my books, my beautiful things, my Prada bag for god’s sake. And for what? The unknown. I was terrified that nothing would ever fill the void of what was gone. I would spend the rest of my life empty. But something kept pushing me forward, a belief in something more, more to life than pretty clothes and parties. More to me.

What would I do in France? I had no plan. I didn’t even speak the language. I had spent so much of my life exhaling – working, spending, striving and trying to please that I needed to inhale, to be inspired.

When I finally arrived in France with my whole life funnelled into two, well okay three, suitcases, I was exhausted. I moved into a remote 400-year old farmhouse. It was nearing wintertime though autumn’s vivid reds and golds still painted the wild landscape. The only sound came from the wind, which was relentless and bitterly cold.

I learned to haul wood and build a fire. My thoughts were my only company as they kept repeating, ‘What the hell have you done?’ I moved between exhilaration and terror, faith and doubt, white wine and rosé.

I spent the first ten days clinging to the fireplace for warmth and the bottle for comfort, using my tear-soaked tissues as kindling. With no television to distract, I could stay by the fire all winter or I could create each day. The freedom was paralysing. But slowly, fear released her clutch and I began to paint a new picture of my life.

I ventured into the wild French landscape and was surrounded by beauty. I began taking long country walks. Me, the girl who considered a long walk to be from one end of the shopping-mall to the other. Now I tramped for miles each day. I got lost but realised that I could always find my way. I learned to trust my instincts.

I got strong. I began looking at the steep hills as challenges instead of inconveniences. I would attack them with a deep breath, concentrating on putting one foot in front of the other until I conquered them.

I got tough. At the bottom of the mountain was a natural spring. Twice each week I would make my way down with empty water containers, fill them and lug them home. It was backbreaking, and I could have driven the car, but I felt capable.

I got dirty. No make-up, broken nails, hair tied back; denim became my new uniform. It was liberating and even though I could have used a hot bath, I felt beautiful.

I got quiet. For someone who made a living talking to people, it was strange to find myself with no one to talk to. I missed the musical ring of my mobile phone. The silence was deafening at first but gradually gave way to peace.

I started carrying my camera and began to take pictures, tentatively at first but soon everything seemed to catch my eye. In time, I became drawn to children’s swings. They were beautiful weathered objects that swung alone, forgotten, in the wind. Perhaps I identified with them?

I only had a bit of money left after selling my things and paying off debts. I was now on a tight budget so shopping was out of the question. I came to understand the difference between ‘want’ and ‘need’, and the freedom that comes from having less. Now, I spent hours admiring the stars in the night-time sky. I was satisfied with this simple life, and realised it was the emptiness inside me that had always wanted more.

Time, that had always run ahead of me, slowed to a carefree saunter. With nowhere to be, I found my own pace. They say that our fears are future-based, and to overcome them we must hold onto the present moment. The moments were dazzling as I constantly pinched myself, ‘I’m here! I did it!’

And magic became part of my life, revealing that I wasn’t really alone. During one walk, miles from anywhere, a huge thunderstorm opened the skies. I saw a path and ducked into the forest only to find a chair sitting under the trees as if it was waiting to offer me shelter.

Yes, I was lonely. But loneliness is only a stop on the way when you follow your path. I’d put too much responsibility on things and people to occupy me. I slowly came to realise that I am the only company I need.

I would spend six months alone in France before I met an Englishman, fell in love, and moved to London. It was sad to leave but I found I could now trust myself and could look toward the next chapter with confident anticipation. My life has changed immeasurably since I jumped off the cliff and found that I could fly. I believe I found the life I was looking for. I’m now an artist myself, I write, and I help other artists to attain their dreams. And I have never looked back.

My Version Of Band-Aid Economics

I am not an economist but more of analytical thinker when it comes to our economy. For many years now we hear the spin doctors and politicians boasting about how our economy is growing, which is correct if that is all one considers. The question is why would this be happening when unemployment is high, a huge deficit, and those working are drowning in debt? The answer for me is what I call Band-Aid economics, here is how it works.

Instead of focusing on the real problem which is inflation, we emphasise how our country’s economy is on an upward swing. Our bank of Canada describes economic growth like this online, “The most common way to measure the economy is real gross domestic product, or real GDP. GDP is the total value of everything – goods and services – produced in our economy. The word “real” means that the total has been adjusted to remove the effects of inflation.” The idea from what I see is that if you paid last week $2.00 for lettuce, the next week it is $2.50, the following one $3.00, it makes the economy look good because as they have said inflation has been removed. The current politicians pitch is vote for me, since elected our economy has grown. Now let’s examine the next factor in Band-Aid economics…

Let’s face it most lower-income and working poor cannot afford higher ticket items upfront like $30,000 for a car. How about for almost nothing down with good credit, anyone could be behind the wheel of a new vehicle right! It helps our countries economic growth, even if the same type of car 20 years ago was less, but now jazzed-up with more technology, and of course insurance rates on a new cars is higher too. Decades ago people saved up, bought their cars for cash, and it was more of a positive economy. The financial killer for people is inflation, if everything costs too much constantly going up, but wages stay the same, deductions at source are unreasonable, consumer taxation is 13 cents/dollar spent, then not many people can save enough in their lifetime to buy a high ticket item like a car. However the GDP is the total value of everything. You buy a car on credit it goes into goods and services produced in our economy.

The reality is if a person is not earning enough they will always be ten cents or more short on the dollar. Families supplement their below standard income through credit cards, lines of credit, and over drafts. The reason is simple inflation doesn’t match incomes. The great news for our government is even if they need to purchase food on credit it boosts the economy. The next time you hear our economy is doing well, maybe look at your own financial affairs, in product costs, and then decide for yourself if our countries economy is really in good place. Welcome to my version of Band-Aid economics 101, where a good economy doesn’t mean citizens are living better, and over many years now even below par levels.

A New Technology That Will Change Everything

Every few years someone claims that the world will be changed by a new technology. Sometimes they are right, and other times they’re wrong. This has lead many of us to believe that we have all placed too much faith in the technological revolution. Despite all our criticism, concerns and fears about anything new that involves a microchip, no one can deny that the world has changed for the better or worse thanks to high tech gadgetry and there is no end in sight. In most cases there is not an instant effect caused by new inventions. It takes time for people, industry and governments to adjust. During those periods of adjustment the technology has time to become refined and less expensive. Workers who lose their jobs to new technologies end up having to look for other types of employment. This is a cycle that people have experienced since the dawn of the industrial revolution, and now it is about to happen all over again in a huge way.

When cell phones came along most people thought of them as a new toy for the wealthy. Today, most people have one and for many the phone in their pocket is the only one they have. The instant upside is that we can easily stay in touch with our family, friends, employers or business contacts. More than just personal communication devices, smart phones now allow us to take care of many tasks that once required a PC to handle. The downside is that we can no longer hide from the world unless we simply do not answer our calls. Add to that the fact that we can easily become addicted to social media, texting, games and all kinds of online activities.

When the “mobile phone” revolution first started to explode a lot of investors and venture capitalists thought they would make a fortune investing in various schemes to buy or sell phones or air time. Most of those investments fell flat and ended up being loss leaders. That is why it is important to see what is coming, know when to make a purchase; or invest and how. Otherwise is it all too easy to become a victim of new technology. If you dout this just visit any garage sale or junk shop where you will find all sorts of technology that was supposed to go on for years and expand into more advanced versions. Good examples: Atari Game Systems, The Adam Computer, Game Boy, 8mm amd VHS Camcorders, Betamax and VHS Video Recorders/Players, Laser Disc Players, Cassette, 8 Track and Reel to Reel Tapes and Machines, Telex Machines, PDAs, Portable Televisions, LED Watches and Typewriters.

When personal computers first appeared they were expensive toys designed for geeks who loved electronics. Even after companies like Apple designed machines that would be attractive to everyone, they often became obsolete by the time they hit store shelves. People made and lost fortunes over these. That is because those early computers represented the type of advanced technology that kept advancing so rapidly that it left very little time for consumers to catch up. A lot of people jumped in to the early versions of these machines for fear that they might be left behind. I remember buying a bunch of different and unique computer systems with all their bells and whistles during the 1980s. None of them lasted or really did all that I wanted them to do. The upside for me was that I had to write my own programs for most of them to do what I wanted them to do, so I learned a lot about how these machines and their programs worked.

I recall when the “World Wide Web” was suddenly transitioned from a secretive way for the U.S. Military and Government to communicate and exchange data to a place where everyone was welcomed. A lot of people ignored or downplayed it at that time. However, before long all those popular electronic Bulletin Boards accessible by computer modems began to quickly relocate from phone numbers to web addresses. When the early Windows operating systems began to appear their emphasis was on PC applications. By the time that Windows 95 was released, even the venerable Bill Gates admitted that he had vastly underestimated how popular and important the Internet would become. A lot of other investors and companies saw the potential and rushed to get in on the excitement by creating Internet Service Providers with electronic mail. Since that time many of them have vanished or become a part of conglomerates. Understanding or seeing the potential of new technology is never enough. You have to know how to avoid the hype, survive the changes and possibly even make some money along the way.

In 2001 the Segway PT was unveiled. This two-wheeled people transport device was supposed to be the next big thing. Even Steve Jobs said that this invention would be “as big a deal as the PC.” However, unlike cell phones, personal computers or the Internet, the Segway had a limited market. Children, senior citizens and many disabled persons can use cell phones, personal computers and the Internet. Most them could not or would not use the Segway. These personal transportation oddities fit the needs of various industries and businesses much like the robots and programmable machines that have taken over many manufacturing and other jobs, but like those devices the Segway has many limitations in terms of users, terrain and applications which have kept it from being the huge success that many once thought it would be. Wide appeal, application and usage are the key components to any truly successful new technology and one is about to begin a slow burn that will lead to an explosive change in society and the world of finance.

Some time ago Google demonstrated their self-drive car to a public underwhelmed by what they saw. The problem was that it was kind of ugly with that weird rotating thing on top and most people had no faith that fully automated vehicles could ever take over the roadways of the world. What people did not know then and many still have no clue about today is that many tech and car companies are currently betting the farm on the fact that self-drive vehicles will take over the road within the next ten to twenty years. We already have vehicles that can park themselves and now come with a wide variety of safety or anti-collision devices on board. Some vehicles now have the ability to make automated decisions about braking, parking and other maneuvers. Is it that hard to believe that there will be much more to come?

This new technology will not appear overnight, but it will benefit everyone instead of just being attractive to a niche market. It is going to be refined and slowly introduced to people a little at a time. When all the research and trials come to fruition, fully automated cars will begin to make a huge impact everywhere. Insurance companies that depend mostly on auto policies will begin to disappear. Auto body shops will be as rare as photo developing stands. The numbers of people who die or are severely injured in auto accidents will likely drop to an almost insignificant amount. Personal injury lawyers will have to look for new clients. Police Officers will have to find new and creative ways to write tickets. The price of gas will fall dramatically due to the efficiency of self-driving vehicles: Most automated cars will probably be powered by hybrid or alternative energy sources.

Prices on some consumer goods will drop as automated trucks hit the road and are able to pick up and deliver more frequently. Even with human monitors on board, those people will no longer need to wear themselves out by constantly handling the operation of such huge and cumbersome vehicles. That means they may be able to remain on board for longer periods of time. Lowering the cost of delivery to market will allow many new products to be introduced that might have been unavailable due to those cost factors. The expense and complexity of managing huge traffic systems will be lessened and the experience of having to travel at a snail’s pace to and from work during the rush hour will be all but eliminated. The money saved by the implementation of self-drive vehicles could be used to repair and replace the many roads, bridges and tunnels that have become dangerous to use or are simply obsolete.

Governments see the potential of automated vehicles. We know this because many are slowly, but surely, adapting or enacting laws to accommodate this new technology. Self-drive vehicles are already legal for the purposes of research and development as far as the federal government is concerned. Several U.S. States have also made them legal to operate, with many others having already proposed pending legislation. Many state legislators have quietly been told to expect some fully automated vehicles by 2018-2020 at the latest. What concerns government officials and the developers of this new technology are the hackers. They can already use the existing technology in many new vehicles to take them over and bypass drivers. That is a real concern that must be dealt with from a legal and technological standpoint. That need for failsafe automated vehicles are one of the things slowing their development and appearance in new car dealer show rooms.

Things are moving fast when it comes to fully automated vehicles, but that does not mean that small investors or venture capitalists should invest in them right now. The truth is that no one really knows what twists and turns this new technology will take. Besides, I am certain that there will be all sorts of brand new after market and technological accommodation opportunities to make lots of money for small investors when the time is right. Just imagine all the new gadgets and systems that will appear as needed when this new technology becomes prevalent. Until then it is would be a wise new car buyer or high tech investor that keeps his or her eyes on self-drive vehicles and the markets they will shortly begin to create.

Bloopers That May Prove Too Costly to Commit for Vehicle Lessees

The automobile sector is suffused with contractual hiring functions that have subverted the practice of buying into borrowing. Rightly for a price, vehicle leasing is the year-long break from the constant throbbing and thrumming in the head, first from the expense, and second from the sales speech of the purchase assistant. Survey materials suggest that leasing of cars for personal use and vans for office use is a frugal investment in comparison to the compelling budget of buying. Case studies however have divulged some key slips commonly made by lessees that have unnecessarily added to the required investment.

The Grand Scheme

The dealers prepare the payment scheme based on their profiteering convenience. And most people welcomingly walk into that trap chasing the decoy. Though this might sound like an odd advice, but do not shell out too much on the upfront. You are not buying a car on a finance plan, and so you can go stingy here. People are quick to mistakes here because they think that negotiating on the upfront deposit is not accepted. Truth is, the initial down payment is only a fraction of the rental installments. A too heavy sign up payout is stifled with risk, for cases of stolen and totaled vehicles.

Mileage is the Bar

When signing up a deal, you need to consider the mileage barrier as it is one of the cost-multiplication factors. The mileage capped by most dealers range between 12000 and 15000 miles. Exceeding that means you are basically in a cab calculating the cost per mile travelled. The rate is usually 25% of every mile travelled. So the more miles you cross, the cost gets added up more.

Magnifying the Fine Prints

Once one qualifies for leasing, they care little to take the tiring ride through the fine prints of terms and conditions. As much as compliance to the protocols is necessary, you need to understand the terms you are agreeing to. You do not want some added incidentals without knowing you agreed to pay for it.

GAP to Salvage

People often miss looking into the insurance papers of the vehicles obtained. Has it occurred to you what would be asked of you in case the asset is stolen or totaled in an accident? Yes, they will have you pay the current value of the vehicle. Only GAP insured vehicles are protected from such obligations as the insurer pays up the deficit in that case.