Pink Fire Pointer 2010

Top Ultimately Safe Cars Named

The Insurance Institute for the Highway Safety and the National Highway Traffic Administration has these cars as the "Top Safety Picks" and top raters in all crash tests.

The Acura RDX with its price around $33,000 to $37,000 and a fuel economy of 21 mpg garnered the pick due to its electronic stability. This factor helps control the vehicle and prevents it from flipping over during emergency maneuvers. The Acura RDX has a 4-cylinder turbocharged engine and an all-wheel handling system which can continuously shift powers from side to side.

Also named was the Honda CR-V. This unit sells around $23,000 to $28,000 and has 24 mpg fuel economy. Sharing much of its basic engineering with the Acura RDX, the Honda CR-V is more ordinary-feeling and has less expensive car suspension and all-wheel-drive systems. This vehicle also has a more powerful engine than the Acura RDX.

Another Honda made it to the list, the Honda Pilot. This is one of the most popular crossover SUVs which has with it the standard Honda electronic stability control. This car sells around $27,000 to $35,500 and has a fuel economy of 19 mpg.

Next on the list is the Hyundai Entourage which the new minivan from Hyundai. This vehicle with a selling price at around $24,000 to $29,000 and an overall fuel economy at 20 mpg, is very much like the Kia Sedona only that the Kia Sedona has a smooth and quiet ride with comfortable interior and solid build quality. This is quoted from the "Editors Top Recommended Vehicle" by Edmunds.com.

Another car mentioned earlier, the Kia Sedona also managed to snag a position on the list. Having a fuel economy of 20 mpg and sold at $20,500 to $26,000, the Kia Sedona represents an "excellent value", again, this is recommended by Edmunds. Com.

The Mercedes-Benz M-Class is also on the list. This crossover vehicle handles very well considering its size. This $43,000 to $85,000 class has a fuel economy of 19 for ML350 and 16 for the ML500. This car has its featured top parts and the Mercedes repair manual.

Another on the list is the Subaru B9 Tribeca which sells at around $30,000 to $37,000 with a fuel economy of 20 mpg. This particular vehicle has some peculiar design and performs well in crash tests. Another Subaru, the Forester, rank in the top. This Subaru has 25mpg and price around $30,000 to $37,000. Still, another Subaru, the Legacy which is an all-wheel-drive and can perform strongly in the crash tests sells around $20,500 to $34,000 and has a fuel economy of 25 mpg.

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Bermuda Car Rental

Bermuda is a wonderful place to have a honeymoon. As we all know it is among the top islands in the Caribbean that tourists constantly visit to relax and get away from it all. One of the biggest reasons why it is so popular is because of its great beaches. But aside from this there are also many different places that you can visit in the island. Some examples are:

o Crystal caves

o Lighthouses

o Botanical Gardens

o Museums

o Zoos

o St. George

These are just some of the great things that you can see in the island, there are many more. The only problem that some people have is not being able to see all of these. Sometimes going on a tour or using public transportation can really limit what you do. The best solution to a problem like this is to drive around the island yourself.

There are many Bermuda car rental services that you can use to help you do this. Finding one can be very easy as well. All you need to do is run a search through the internet for Bermuda car rental and you should already have all the information that you need to get you started. You should take the time to check out each website and what they have to offer. This will give you a good idea of what you are up against.

Picking the service to work with is also quite simple. If you are not too sure which one to try out there are some tried and tested car hire services on the island. Of course you don't expect to get the cheapest price out of this though. If you are looking for a cheaper option there are some local but reliable services around as well. The best way that you can get a good deal is to shop around before settling for something. Check out what each one has to offer and which one can give you the most for the price that you will be paying.

Don't forget that before you set off driving you will need to familiarize yourself with the various driving rules in the island. You should also make sure that you have the right license or temporary permit to be able to drive; If you keep these things in mind you will surely be able to enjoy driving around and viewing the different attractions in Bermuda.

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7 Smart Ways to Do Car Shopping

Have you ever had the experience of buying a car? If yes, then what is it that you will take into account? But, if you have not been through that kind of experience, great! We will tips you on the important things that you should look out for when you want to purchase a car.

1 - First of all, plan your budget properly. Take note of other expenses as well after you purchase the car like down-payment and monthly installment, fuel consumption, maintenance fee, yearly insurance as well as road tax renewal. Then, decide on a new car or second hand car. The decision is very much depending on the budget you allocate.

2 - Take into consideration as well the purpose of you wanting to buy a car. If you need only the normal ones that can cater 1 to 4 people, get the economical ones. If you are planning to get a car for 6 or more, getting a MPV should be a wiser choice. Car features and specifications are equally important. In this case, the brand name plays the biggest role.

3 - Different brand names offer different features that you can expect for the car. If you are a sports car lover, a Ferrari might be your choice or any other sports car brand. As for an executive or those in managerial level, a Mercedes Benz suits them better. When you purchase a car, make sure they suit your image and the purpose of you getting them.

4 - Like how you did your shopping, it is advisable as well to ask around and look around for a better deal when you plan to buy a car. If you are getting a loan for your car, make sure you get the right finance company, preferably a reputable one.

5 - As we mention earlier, keeping a car might expand your expenses a lot more than you can imagine. You might want to get advises from a mechanic for the maintenance fee of a certain car. Some cars might need higher maintenance fee some are lower. Thus, get the advice you need from an experienced mechanic to save your maintenance cost. Fuel consumption is important as well. Try to get a car that consumes lesser fuel. That saves you a lot on your expenditure.

6 - As the saying goes 'Safety First', it goes the same as well if you are looking for a car. Safety feature is nonetheless one of the most important point to look out for. The safety crash test results and the total of air bags a car has must be taken into account before you decide on a car. Same goes to the warranty as well as terms and conditions. Being under warranty helps a lot because you will not know when your car might give you trouble. So, make sure your car warranty is extended.

7 - Last but not least, your road tax and insurance. The higher capacity of your car engine, the higher the cost for your road tax. If you do not see the need of getting a high capacity engine, then opt for a smaller capacity. Remember as well the yearly insurance of your car is not a small amount too. The cost that you need to cover every year to renew your insurance should be taken account when making your budget.

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Why Athletes Go Broke

The "Real Deal" is broke.

Former Heavyweight champion Evander Holyfield is playing the real life game of Deal Or No Deal. It has been reported that his $10 million estate in suburban Atlanta was under foreclosure, the mother of one of his children was suing for unpaid child support although it appears he has made good on that debt. A Utah consulting company has gone to court claiming the boxer failed to pay back more than a half million dollars for landscaping. Just one more high profile athlete having to scale back his lifestyle to the level to which you have I have been accustomed. Why is it that athletes who seem to have everything are often completely unable to control anything related to finances?

We all played our violins to death when we heard of Latrell Sprewell's financial troubles. On Halloween 2004, Sprewell, who was in the final season of a $62-million five-year contract with the New York Knicks, said he was insulted by the Minnesota Timberwolve's offer of a contract extension that was reportedly worth between $27 million and $30 million for three seasons. Sprewell stated, "I've got my family to feed." That quote become a national moniker for the public perception of athletes as greedy, out of touch individuals. Apparently, Sprewell still can't feed his family. His yacht was recently repossessed and his multi-million dollar mansion is about to be foreclosed on.

While there is certainly the stereotype of the financially irresponsible NBA athlete, no professional sport is immune.

Let's take a look at some high profile athlete financial sob stories over the years:

1. No one my age can forget Jack"The Ripper" Clark , star player for the Boston Red Sox who filed for bankruptcy in 1992 in the middle of his second year of a three-year, $8.7 million contract with Boston; he listed $6.7 million in debts. Jack was a master of financial planning and prudent asset acquisition. His bankruptcy petition listed assets such as 18 automobiles, including a 1990 Ferrari that cost $717,000 and three 1992 Mercedes Benz cars costing between $103,000 and $143,000. He owed money on 17 of the automobiles and was liable for about $400,000 in Federal and state taxes. He had also lost about $1 million in a drag-racing venture. Sounds like Jack would have been more at home in the NBA. You can read about it hereMike Tyson\'s Bentley

2. Johnny Unitas, Hall of Fame quarterback for the Baltimore Colts, filed for bankruptcy in 1991 citing numerous failed business ventures in his petition These failed bits included bowling alleys, land deals and restaurants. He filed for Chapter 11 bankruptcy in 1991.

3. Mike Tyson The name speaks for itself. Mike's bankruptcy was highly publicized. Despite earning hundreds of millions during his boxing career, Mike kept it simple. His bankruptcy petition simply stated: " I am unable to pay my bills". According to federal court records, his liabilities totaled about $27 million. You can read that story here.

4. Dorothy Hamill, the women's figure-skating gold medalist in the 1976 Winter Games, filed for bankruptcy after a series of financial setbacks. Hamill said she has experienced financial setbacks as a result of poor financial investment advice and management.

These are just a few of many athletes' tales of woe. It is not a phenomenon limited to professional sports - just ask M.C Hammer. Prior to his declaring bankruptcy, it was made public that his day to day living expenses far exceeded his income of $33 million. If I am going to veer off to celebrities, I certainly have to mention Kim Basinger and Michael Jackson.

When the Toronto Star ran an article alleging that a shocking 60 percent of NBA athletes "go broke" five years after retiring, did we not all pull out that very tiny violin we have reserved for such occasions? The NBA players union and the NBA have both disputed that assertion. The article goes on to talk about all the people taking advantage of and "scamming" these athletes. While I have no doubt there is truth to this, I can also understand how such a generalization would make the NBA uncomfortable. It leaves you with the impression that 60 percent of NBA players are not only financially inept but also idiots in general. This is simply not true. While good business sense is often lacking, I view many of their mistakes as being more mistakes of trust, credibility and lack of life experience than anything else. Smart, busy people who can afford it, hire people with targeted expertise to help them. This allows them to focus on their expertise. Sometime mistakes are made and bad judgment is used in who we hire and hang out with. That is not unique to the NBA or professional sports. This happens to everyone. That is life. It happens all the time. It just does not make front page when we screw up. If there is any question at all as to how badly we as the general public screw up, just look at the personal bankruptcy filing statistics.

In order to get a perspective from the inside, I contacted Jordan Woy, a highly respected sports agent and a principal in the sports marketing/management firm of Schlegel Sports. Jordan has represented numerous high profile athletes

Here is what Jordon had to say:

I think there are several reasons why so many athletes "go broke". First, whether it is a lottery winner, an athlete or a star entertainer, if they are not equipped with the knowledge on how to make and save money they are in trouble. When they didn't earn it through disciplined business practices and they don't have those skills they usually go through it quickly. Most lottery winners or athletes make a great deal of money in a short period of time. They start spending it on things that only go down in value (cars, jewelry, partying, entourage, etc) and start to evaporate the money they do have. They can carry this off until they stop earning big money. This is when the trouble starts. It is hard to believe that MC Hammer, Mike Tyson, Evander Holyfield and now Ed McMahon are broke. These are people who earned hundreds of millions over time and it disappeared. Lavish spending and entourages were probably the downfall for the first three for sure.

Most athletes play for four to ten years if they are lucky. After they pay taxes (can be 40 to 50%) and agent fees and buy their first homes, cars, outfits, jewelry (plus, cars, clothes and jewelry for friends and family), they are left with very little. When they first "strike it rich" all of their longtime friends and family expect help. Most athletes feel obligated to help everyone out at first then they wise up. They also want to keep up with their teammates. If someone buys a Bentley, they have to buy one; if someone buys a $75,000 watch, they have to buy one to keep up the appearance. Then, of course, when the career ends and they are still living in a multi million dollar house, driving 3 expensive cars (and insurance), traveling in private planes and taking Limo's when they go out on the town, reality sets in. The money dries up very quickly.

However, if athletes educate themselves, learn money management skills and make smart, safe investments along the way, they are usually in very good shape. After representing athletes for over 20 years, we call this our "life plan". We take out clients on working vacations in the off season to places like Las Vegas, Cancun and on a cruise to the Bahamas to learn business networking. We have people from industries such as real estate, oil and gas, financial planning, credit repair, asset protection/estate planning, etc come to educate the players and their wives so they can learn about these business and also determine if they are interested in any of these industries for life after sports. One of the financial planners who comes always says most people die coming down from Mt. Everest not going up. The goal is for these athletes to get to their Mt. Everest AND to get down safely.

So, what do you think? Are the financial mistakes that athletes make any different than your mistakes or mine? They are certainly mistakes made with a higher downside. When we hear these stories are we just unable to comprehend that someone could have that much money and spend it all? Can we learn lessons on how to live our lives from their highly publicized financial gaffes? Do we even care at all?

With all due respect to Latrell Sprewell, we have our own families to feed....

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Long-Term Care Insurance - What to Do & What to Avoid

Long-term care financing and planning takes some thought and education to put together a policy that is best for you and your financial situation. It is easy to get confused and become paralyzed into "inaction." Here are some key points of what to do or not do.

Purchasing Too Much Coverage:

It is important to get some type of long-term care insurance without over insuring. Look at your finances and determine how much you can comfortably afford to pay for long-term care and co-insure with your long-term care insurance policy. Purchasing long-term care insurance can be compared to buying an auto. A Ford will get you to the same place as a Mercedes, but it will cost you much less. Having some long-term care insurance is better than not having any long- term care insurance.

Waiting Too Long:

You will not save money by waiting to purchase long-term care insurance at a later date. The cost for you today is less expensive than it will ever be. As you get older, the rates go up.

Inflation Protection:

You need to seriously consider 5% Compound Inflation Protection, especially if you are under 70 years of age. It costs more, but it adds all the value to your long-term care insurance policy.

A Sound Long-Term Care Plan:

It is necessary to learn what your options are in the event that long-term care is needed. Do you have the assets to cover the expenses and still live the lifestyle you desire? Where do you want to receive care? How quickly can you liquidate your assets? Will you lose money if you liquidate? What are the tax consequences? Do we have enough income to live on?

Impact on Family:

How will a long-term care event affect your family? What happens when a spouse needs care? Will this affect the work of the other spouse? Is the family capable of providing the necessary care? Can the children help? How will this affect their work and family?

Medicare:

Many think that Medicare will cover all of the costs of long-term care. This is not true. It covers some very limited costs that meet Medicare's criteria.

Comparable and Competitive Quotes:

Some companies are more competitive in relation to age or health status. Long-term care insurance quotes should be compared from at least three of the top companies. Different companies have unique "sweet spots" depending upon age, marital/partner status and health

Long-Term Care Insurance Specialist:

Consult with a Long-Term Care insurance Specialist, an independent agent that stays informed of new plans that come into the marketplace. A long-term care specialist can easily help you compare the different plans getting them closer to an "apples to apples" comparison.

Shopping by Price:

Getting the lowest price for a long-term care insurance policy is not the way to plan. The cheapest price may or may not have the options that you will need when you are ready to use your plan.

Top Carriers:

When getting long-term care insurance quotes from three different companies, it is important to check the financial ratings of the company. You should look for companies with at least A ratings.

Long-Term Care Costs:

You need to be informed of the real cost of long-term care (home care, assisted living, nursing facilities) in your area. If you live in an expensive State, you will need to adjust your long-term care insurance benefits according to what the costs are in your area. If you are planning to retire to a less expensive area, then that should also be taken into consideration. Different considerations should be taken if you are planning on living overseas.

A Long-Term Care insurance specialist who represents the top companies can help develop an unbiased plan that is unique to you and your situation.

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How to Remove Window Tinting

At some point of time or the other, the idea may be hitting your mind that getting your car tinted would be a great idea. On the contrary, having a car with tinted windows has become slightly outdated. The tint on the glass decreases your visibility, specifically when you are driving in the night time and possibly, having such windows could be against the law in your own state. Hence you need to locate a cheap method to remove the tinting by doing it on your own. So here are the things which you can do for it:

Luckily, there are a number of verified ways in which you can remove the tinting of the windows of the car at the most reasonable prices and that too effectively. All you require for doing this are simple tools, a bit of spare time time and good amounts of elbow grease. The other things that you need to bear in mind while clearing the tinting of widows is to keep one of the windows open to avoid inhalation of any kind of fumes. Besides this, in case you are employing a steamer or a dryer, see that you do not burn yourself from them.

Removing Window Tinting with Steaming:

This stands to be the simplest and the most hygienic way of removing tinting from the windows. What actually happens is heat is applied on the interiors of the window making use of a hand-held steamer or a dryer. Doing this would help in melting the glue so that you can mildly drag the sheet out along with removing it. One should go slow while performing this method to remove the tinting as pulling out the sheet toughly would break it and would result into retention of glue on the window.

Removing Window Tinting by Washing and Scraping:

This method consists of cutting and pulling the sheet by a razor blade. As soon as the sheet is pulled out, the glue that stays back on the window should be scoured with soapy water. Besides this, you have to be extra cautious while performing this method to remove the tinting on windows as it may happen that the windows may get scratched or damaged, causing harm to the defroster lines.

Removing Window Tinting by Ammonia and Heat:

Before performing this method to remove tints from the windows of your car, you need to do a number of preparations. For this, you need to park your car somewhere in the sun and cover the interiors of the car with a poly canvas or trash bags in order to shield them from upholstery. After this, you need to spray the interiors of the window with unadulterated ammonia and then wrap it up with a poly-bag, ensuring that it sits properly against the window. Thereafter you need to spray the exteriors of the window of the car with the help of soapy water and wrap it up also with a poly bag.

Hence, by resorting to these methods, you can easily remove the tinting of the windows of your car.

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Claim Negotiation - Beat the Insurance Company

Is there a correct way to a successful claim negotiation? Yes there is. But you must be willing to play hard ball. I am not kidding you. Insurance companies are the very best negotiators out there. They know the

rules, and they know when to break them. They understand the system, and they can and will take advantage of the unwary.

It does not matter if you are dealing with a personal injury claim, a health insurance claim, or the total loss value of your car. Insurance companies will use "dirty techniques" to get you to settle for the

least amount possible. For example, in the case of a total loss, they will cut your rental car early so you do not have a car to drive. The only way to get money to go find another car is to settle your total loss right then.

How can you handle a good claim negotiation? Or better yet, how can you play hard ball and beat the insurance company? The best thing you can do is to document in writing everything about your claim. If the insurance company contacts you and tells you that the value of your car is at most

$10,000, then you need to tell them to put it on writing. Everything the adjuster says must be on writing. This makes insurance companies nervous because you can always show that an adjuster has misrepresented the facts or the law and they can be suit for bad faith.

You can ask the insurance adjuster to follow up in writing. However, you can also write a letter stating the highlights of your conversation. You can also ask the adjuster for written evidence of what they

say is in your policy or is required by law. For example, you can write the following:

Ms. Adjuster, per our conversation today, you have stated that you cannot provide a rental car for

more than three days. Please provide the pertinent statute that states that. You also told me that per my policy, I had agreed to go to arbitration if you and I disagree to the value of the settlement. Please provide the exact policy language, noting page, paragraph, policy edition, and all pertinent definitions.

Thank you."

You are now binding the insurance company to its words. If you send a letter to the insurance company, make sure you send it certified or at least you get delivery confirmation; if you ever need to prove that you did send it, then you can do that with no problems.

Documenting everything with the insurance company is also an effective way to avoid the common technique of "changing adjusters." Insurance companies and their managers know when the "claim negotiation" is not going their way. They love to switch adjusters on you so you have to renegotiate

points that you have already settle on. Most insurance companies will tell you that the adjuster went on vacation, is ill, left the insurance company, or that they had to reassign the claim for some other reason. Although this could be legitimate, it is also very convenient. Be aware.

If you have everything documented, a new adjuster cannot just tell you: "well sir, I am sorry Bob said that he would give you $7,000 for your car, that is clearly a lot more than I would ever be able to give you, I can only settle for $5,500." If you do not have anything in writing, then you could have an uphill battle getting the value back to $7,000. But if you have this in a letter, you can show it to a lawyer, a jury, or the office of the department of insurance. You've got them!

The only way you can really beat the insurance company is by making sure everything is in writing, every negotiation, every law, every quote or estimate. This is the only way you can hold the insurance company up to their promises.

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Worst Cars To Buy

First of all, avoid any car the first year it's released. I noticed in the paper this morning that you could lease a new Ford whatever their new SUV/sedan cross is for the same price you lease a Ford Explorer. What fool would buy a new car, before the manufacturer has had a year or two to iron out the bugs? They're in constant contact with dealers and service departments to find out how their new cars are performing and what customers like and don't like about them. Give them some time to fine tune the car before buying it for yourself.

Never buy whatever car is super popular. You'll pay top dollar, and you'll never get that money back out of it. No car dealer will dealer on a hot car. Why should they, if someone else who's willing to pay full price will buy it later that day? It's often hard to find a dealer who even has a hot car on his lot. There's no way in the world they're going to give you a price break if they're the only dealer within 200 miles who has the car everyone wants. And two or three years later, when you're ready to sell the car, there are enough of them available, and they may no longer be the hottest car, that you won't be able to sell it for the same top dollar you bought it for.

A car that you only keep for a year or two definitely qualifies as a 'worst car to buy.' One study I read found that if a person kept every car they bought for ten years or more, instead of buying or leasing a new one every three years, that they would save $400,000 by the time they turned 65. It didn't matter whether they bought the car new or used, or what kind of car they bought. It was cheaper-significantly cheaper-to buy it and pay for whatever repairs came up. Cars are lasting longer every year, so it's possible you could keep your car even longer than ten years, and save even more money. Please don't be one of those people who buys a new car every four or five years.

Please don't make the terrible mistake of leasing your next car. Car salesmen can convince anyone that this is a great way to go if you don't have a lot of money to put down for your car (who does?) or if you want to buy a nicer car that you couldn't afford otherwise. You can't afford to lease a car; even Bill Gates can't afford to lease a car. Please cross leasing off your list of car options. We can't find anything truly worthwhile about leasing.

And now our list of worst cars to buy for 2007 (by make and model):

BMW 7 Series and X5

Chevy Astro, Blazer, Express, S-10 with 4WD, Venture,

Chrysler Town & Country (with all wheel drive)

Dodge Grand Caravan (all wheel drive)

GMC Jimmy, Sonoma 4WD, Safari, Savana

Infiniti QX56Jaguar S and X-types

Jeep Grand Cherokee

Kia Sedona (the 2006 is acceptable, if you must buy a Kia)

Land Rover Discovery

Lincoln Aviator and Navigator

Mercedes-Benz CLK, M- and S-Classes, SL

Nissan Armada, Titan

Oldsmobile Bravada, Cutlass and Silhouette

Pontiac Aztek, Trans Sport,

Volkswagen Cabrio, Jetta Turbo, Jetta V6, Beetle, Touareg

That's our politically correct list. But the fact is, in a million years we'll never buy: any British car (Land Rover, Jaguar, Mini-Cooper, Lotus, etc.); any German car (Volkswagon, BMW, Mercedes, Porsche, etc.) or any French car. Have you ever sat in the back seat of a BMW? If you're more than five feet tall, there's no headroom. A lot of these cars have become associated with the rich-you've made if you drive a Mercedes. But I've never met anyone who any of these who was really happy with it. We know all about the numbers of repairs per vehicle, but we've own a lot of these cars, or had family member or close friends who owned them. Please don't make the same mistake these people did. Buy yourself a nice Honda or Toyota.

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Understanding Your Incentive Stock Options

If you receive stock options as part of your employee compensation package then you are one of the lucky ones. This article is intended to shine a little light on how one of these options, incentive stock options, works from an employer incentive standpoint and how they function for tax purposes.

The fact that you are receiving stock options is a testament to your value as an employee. Management realizes that competent people are critical to the success of any organization. For public companies, stock options are a way to motivate employee behavior, while at the same time anchoring good employees to the company by virtue of placing certain vesting requirements or restrictions on the exercise of the stock options.

How valuable are stock options? Let me give you an example that, to this day, is still fresh in my memory. When I was just starting out my career and working for a large international accounting firm, I was put on assignment for a project with a large, publicly-held pharmaceutical company. I was into my sixth month on the project and I remember it was a Friday and there was an unusual congenial buzz about the facility, much more than the typical Friday in the summer in New Jersey.

I began to ask around as to the source of this congeniality and soon found out that some stock option vesting window opened (vesting is a restriction on an employee's ability to exercise stock options) and because the stock price had been flying high at that moment, there were many individuals who were about to make a lot of money by exercising their stock options (purchasing the stock) and selling their newly acquired shares.

Well, the weekend passed uneventfully for me, but on that Monday, when I made my way into the parking lot of my big client, I noticed something very different. It appeared to me as if the parking lot had, over the weekend, transformed itself into a new car dealership -- BMWs here, Mercedes' there. It seemed surreal to me, all these new cars magically appearing over the weekend. It quickly dawned on me that, indeed, there had been some spending of those stock options over the weekend. This disproportionate distribution of wealth is what stock options are all about. The American Dream of "overnight" wealth.

Companies that grant stock options to employees refer to such grants as Compensatory Stock Options. These are broken down into two categories: Incentive Stock Options ("ISO", the subject of this article) and Nonqualified Stock Options. Most employees receive incentive stock options. Nonqualified stock options are usually earmarked for senior executives or non-employees that the company feels are critical to the management of the company's business.

ISOs give the employee the right to purchase the company's stock (called "exercising" the stock option) at a fixed price (called the "exercise price"), for a period of time not to exceed ten years from the date the options are granted to the employee (called "grant date"). The employee can only exercise the ISO as long as they are an employee of the company or within twelve months after termination of employment. There is no taxation to the employee when they receive their ISOs. Even better, there is no regular income tax when the employee exercises the stock option (buys the stock). Taxation occurs in two instances:

1. When the employee exercises the stock option (purchases the stock) there is no regular income taxation, but there may be an alternative minimum tax on the excess of the fair market value of the stock on the exercise date over the employee's exercise price (discounted purchase price of the stock).

2. When the employee exercises the stock option (purchases the stock) and subsequently sells the stock there is taxation. Here is where ISO taxation gets complicated. When you buy your company stock (exercise the stock option) and sell the company stock the taxable amount is determined based on when you sold the stock. You can purchase the company stock (exercise the ISO) and sell the stock in the same year (called a disqualified disposition) or you can purchase the company stock and sell the stock in a subsequent year. When you sell the company stock in a subsequent year the regular tax treatment depends upon how long you held the stock and how long you held the stock options.

*Buy and Sell the company stock in same year or within twelve months. You may have both W-2 income and short term capital gain income as follows:

- W-2 Income is equal to either A or B below, whichever is the lower amount:

(A) The fair market value of the employer stock on the exercise date (date you purchased stock) over the exercise price (discounted purchase price) or

(B) The sales proceeds on the sale of the company stock over the exercise price (discounted purchase price) and

- Short-Term Capital Gain Income is equal to the excess of the sales proceeds on the sale of the company stock over the fair market value of the company stock on the exercise date (date of purchase).

* Buy company stock in one year and sell it in the next year. If you hold the stock for more than twelve months (and you held the ISO for more than two years), then the difference between the sales price and the exercise price is a long term capital gain which is subject to a maximum 15% federal tax rate. If you hold the stock for twelve months or less than the tax calculation is the same as if you had bought and sold the stock in the same year (W-2 income and possibly short-term capital gain income).

ISO Example: Stan Smith is an employee of Savurlife Pharmaceutical Inc. and is given ISOs on January 1, 2004 that entitle him to purchase (exercise) 100 shares of Savurlife at $1,000 (exercise price) on January 2, 2006 (exercise date/purchase date). The fair market value on January 2, 2006 is $3,000. If Stan does not sell the stock in 2006, then $2,000 ($3,000 less $1,000) will be subject to alternative minimum tax in 2006, but not subject to any regular income tax in 2006. If Stan sells the stock in 2006 for $3,000 then the $2,000 will be treated as W-2 wages in 2006. If Stan sells the stock on January 3, 2007 (one year and one day after purchase and ISO held more than two years) for $3,000 then the $2,000 gain will be treated as a long-term capital gain and taxed at no more than the maximum capital gains federal tax rate of 15%.

Employers will grant ISOs to employees but place certain restrictions on an employee's ability to exercise the ISOs. This is done, in part, to provide a means of preventing employees from seeking employment elsewhere. Employers use "vesting" (a typical restriction placed on the employee's ability to exercise an ISO that may be tied to some vesting date) as a means of motivating the employee to stay with the employer. ISOs are typically granted annually and may be tied to some specific goal achieved by the employee or an overall goal (i.e. earnings target) achieved by the company. Over time these ISOs can become a substantial incentive to stay with the employer. If you find yourself the lucky recipient of an ISO, bide your time, work hard, and wait for that ISO Friday to cash in on the American Dream.

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Cheap Full Coverage Car Insurance

Do you know what it means to have full coverage car insurance? Having full coverage car insurance means you have more than just the minimum car insurance to "get by" in your state. With full coverage car insurance, you and your car are just that - fully covered and protected against anything that may happen to you or your car.

Obviously full coverage car insurance is going to cost more than the minimum car insurance requirements in your state. This is because you are covering everything. Because of the difference in cost, many car owners choose to purchase their state's minimum car insurance requirements rather than purchase a full coverage car insurance policy.

Nice solution, but it won't work for everyone. Some people, for a variety of reasons, are required to purchase full coverage car insurance.

So, how can you get cheap full coverage car insurance?

There are a couple of ways to get cheap full coverage car insurance. First, search, search, search! Don't just choose the first car insurance company you find in the yellow pages - use all available resources. This includes newspaper advertisements, classifieds, commercials, billboards, word-of-mouth, and the Internet.

Second, search for a car insurance company that offers discounts for various reasons. Some car insurance companies offer discounts for good driving records, your age, the kind of car you drive, and the number of cars on your car insurance policy. There are also insurance companies that sell more than one kind of insurance policy, and will offer you discounts if you purchase two or more insurance policies from them. For example, you may be able to get cheap full coverage car insurance if, in addition to purchasing full coverage car insurance, you also purchase a homeowner's insurance policy from the insurance company, too.

More coverage doesn't always have to mean more money. Choosing the right company and finding discounts can help you get cheap full coverage car insurance.

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Car Financing With Bad Credit - Don't Settle For Abuse

Not everybody has good credit. This should not be news. But what may be news to people with less than stellar credit is that they don't have to settle for abuse when financing a car with bad credit. They just have to be aware of the different set of circumstances that is likely to apply to their situation.

If you're going to finance a car, even if you have good credit, it is often wiser to get a car loan from a bank. That can give you cash in hand when you walk into the dealer, which often can get a better deal on the vehicle (the dealer does not want to let a cash buyer walk away).

Unfortunately, if you have bad credit some banks will not lend you money for a car. Credit markets are tight these days after the subprime blowup, and banks are getting a bit pickier. That means you might be forced to finance through a dealer. This is where the potential for abuse comes in.

Some dealers will jack up the price of a car for borrowers with bad credit. This is often the case with dealers who say they specialize in helping bad credit borrowers. They might also add on extra "features" to your purchase price, like credit insurance. Their tactics are not necessarily a scam, but ignorance of what they're doing can cost you.

The best defense is knowledge. Here are some things to keep in mind if you finance through a dealer:


Often dealers use what is called a "captive" financing company (meaning it is owned and run by the auto manufacturer), and they need your business. You are not really in complete control, but you do not have to feel like you're begging either.

Research the price of the car before you buy. Do not settle for a 50-100% sticker markup because you think that is what you have to stomach due to your bad credit. Find the real price, then add $200-600 for dealer profit.

Be prepared to offer a solid down payment. If you can't put any money down at all, you will find yourself abused by financing companies, including dealers. If you can offer a larger down payment, you'll be a more attractive prospect...but don't forget that advice about not paying too much.

Consider dealer networks. These are what they sound like-networks of dealers. They compete for business, much like the members of a financial network like LendingTree do. If you have bad credit, submitting your information online to a dealer network might produce several dealer options for you.

In a nutshell, financing with bad credit does not have to be fraught with danger. You do not have to settle for abuse just because your credit is not perfect. But you do have to be smart to keep yourself from being raked over the coals.

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Terms to Know Before Leasing A Vehicle - Leasing Jargon Simplified

So, you've decided that you want to lease that next vehicle. Can't really blame you. With today's incentives, rebates, and favourable lease rates why wouldn't you. Not only do you get to drive a new car, but a new car that you wouldn't otherwise be able to afford if you were to purchase and finance it. Buyer beware though. With leasing comes new and sometimes rather confusing vocabulary. Don't get lost in a sea of leasing jargon. Protect yourself. Learn and understand the industry language. For those seriously thinking of leasing that next vehicle, here is a useful glossary of "new" terminology that you should familiarize yourself with BEFORE you negotiate a lease:

Acquisition Fee: An administrative charge levied by the leasing company for processing a lease. This fee is typically NOT negotiable and can have a significant bearing on the overall cost of the lease.

Base Interest Rate: This is the cost of leasing and using a vehicle and is measured by the interest paid over the lease term.

Buy at end-of-term interest rate: This is the net interest rate for the lease if the lessee, at the end of the lease term, purchases the vehicle at the end-of-lease purchase price.

Capitalized Cost: This is the total purchase price of the vehicle. The price includes the cost of all extras such as vehicle options, extended warranties, life insurance, and rustproofing. The capitalized cost equals the amount you would pay for the vehicle if the vehicle were being purchased.

Capitalized Cost Reduction: A capital cost reduction is a down payment, in the form of cash or trade-in, that is applied to the final purchase price of the vehicle reducing the monthly lease payment.

Closed End Lease: Leases in which the lessee's financial obligation rests only with the negotiated monthly lease payment. Since the residual value of the vehicle is stated in the lease contract, the lessee is not financially responsible if the actual value of the vehicle is less than the stated residual value. The lessee need only return the vehicle at the end of the lease term with no further obligation.

Dealer Participation: A rebate or discount, contributed by the dealer, reducing the final purchase price of the vehicle.

Depreciation: The decrease in value of a vehicle over time. Depreciation in automobile leasing is the difference in value between the cost of a new vehicle and the value of the vehicle at the end of the lease term.

Disposition Fee: A fee charged by the lessor at the end of a lease to ready the car for sale. The lessor may apply this fee against the deposit made by the lessee at the beginning of the lease term.

Down Payment: A sum of money paid at the beginning of a lease contract, usually at the time of signing, that is applied to the final purchase price. In leasing, the down payment is referred to as the capitalized cost reduction. Typically, the larger the down payment, the smaller the lease payment.

Early Termination Fee: A penalty paid by the lessee for terminating a lease contract early. A lessee pays for the depreciation of a vehicle in equal monthly payments. Since a vehicle's depreciation is highest in the first months of a lease, terminating a lease early results in the lessee using more of the vehicle's value than what they've paid for subjecting the lessee to penalty.

End-of-Lease Purchase Price: Also known as the residual value. This is the price at which the lessee may purchase the vehicle at the end of the lease term.

Excess Wear & Tear: Wear and tear beyond what is deemed acceptable by the leasing company. It is the responsibility of the lessee to take reasonable care of the car and to ensure it is returned at the end of the lease term in good condition. Bald tires, body dents, and engine trouble due to neglect could subject the lessee to repair and replacement charges.

Gap Insurance: The name given to a type of insurance coverage that covers the difference between the actual cash value of the leased vehicle and what is still owed on the lease contract. If a leased vehicle is destroyed in an accident or stolen, gap insurance coverage protects the lessee against additional losses due to "gaps " between the insurance settlement and the lessee's financial obligations set out in the lease contract.

Independent Lessor: These are non-traditional lessors, usually an individual business, that can structure and write a lease for most makes and models of vehicles. The terms and conditions of the lease agreement can be customized to accommodate different lease and mileage conditions.

Lease Extension: This is the continuation of a lease, beyond the original lease contract. Payments are continued on a month-by-month basis at the same sum negotiated at the beginning of the lease term.

Lease Term: This is the length of the lease contract. Most vehicles can be leased for 12, 24, 36, 48, and 60 month lease terms. The monthly payment of a lease will vary depending on the length of the lease term.

Lessee: Name assigned to a person or party who signs a lease and agrees to assume responsibility for a vehicle and the lease payments.

Lessor: Name assigned to a person or party that owns the vehicle and agrees to lease it to the lessee.

Mileage Allowance: Lease agreements establish a maximum mileage allowance that the car may be driven over the life of the lease. The agreement will also specify the cost per mile or kilometer the car is driven over and above the allowance that is due and payable at the end of the lease term.

Money Factor: This is a number used to calculate the base interest rate of a lease. To arrive at a base interest rate, leasing companies will multiply a money factor by 2400. The money factor of a lease is known by the leasing and sales consultant at the dealership and is used to calculate the cost of money in the same fashion as an interest rate does. The lower the money factor, the lower the monthly lease payments.

Monthly Payment: A payment made on a specified date each and every month as specified in the lease contract. Monthly lease payments calculated on a lease contract typically include all applicable taxes.

Net Interest Rate: This is the total interest rate for a lease and represents the true cost of the lease. The lower the net interest rate, the lower the cost of the lease.

Open-End Lease: Leases in which the lessee's financial obligation may exceed the negotiated monthly lease payment. In an open-end lease the residual value is set at the beginning of the lease term. The lessee is financially responsible if the actual value of the vehicle is less than the stated residual value.

Purchase Option: Option extended to the lessee, at the end of a lease contract, to purchase the vehicle at the pre-determined purchase price. The pre-determined purchase price is normally the stated residual value in the lease contract.

Residual Penalty: This is the penalty a lessee pays if the end-of-lease purchase price is greater than the expected value of the vehicle at the end of the lease term.

Residual Value: This is the expected or pre-determined value of a leased vehicle at the end of the lease contract. The stated residual value on a lease contract is normally the buyout price at the end of a lease term. The residual value also determines whether the lessee should purchase the vehicle at the end of the lease term. If the residual value is less than the actual market value it would be advantageous for the lessee to buy the vehicle and sell it to a third party.

Security Deposit: This is a sum of money, paid up front, as security for excess wear and tear on the leased vehicle. The amount is refunded if the vehicle is returned in good condition. In some cases, the deposit may be applied against the final monthly payment.

Good luck and happy negotiating!

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Buy cheap luxury cars - Government Seized Car Auction

Low cost luxury cars are the best way to improve the image of a company. Contrary to popular belief, there is no need to spend a lot of money. These luxury cars can be very cheap or rented as well.

If there are special occasions, you can rent by the day and return it, saving a lot of money. There are many companies that do this type of activity and it is almost like an independent automotive.

Many companies use car technology worldwide and the design of its products at low cost. Chrysler is one of those companies. Opened a new avenue for luxury cars with $ 30,000. The most popular models include the Chrysler 300 and the Lexus IS 250.

In India, there are many transport companies that sell and rent luxury cars at low prices. These are generally provided for officials from other countries, tourists, and fairs.

Hotels also offer their customers luxuryAuto> for best results. Do not charge a lot for the transportation and SUVs like Innova and Tavera are used Mercedes for a team from the World Bank and Mitsubishi for all Japanese visitors.

The best place to find luxury cars are cheaper at auctions in Japan. There are car auctions in Japan, where you can buy a used car and export to your country. This saves a lot of money when compared to the purchase of a luxury to a local dealer.

TheJapanese are known for their models of Toyota, Nissan, Subaru and Honda. They offer all the comfort, safety and equipped with the latest technologies. But it is very important to find a reliable company, which is associated with the government.

Second-hand dealers are not reliable and may be unreliable. This process of buying a luxury car is very simple, you can do online. Normally, it sold 40,000 vehicles a day. The only drawback is that the process couldbe very slow.

There are many things you need to know when buying a luxury car cheaper to prevent fraud. Many people regret their decision after buying the car.

The first thing to do is care insurance. The car must be justified, some insurance companies do not provide safe to use, car insurances">cheap car. Then, the luxury car and the better the car needs to be revised. Must be considered and studiedcarefully before buying an expensive luxury car.

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Pay As You Go - Car Insurance?

We're all used to the concept of a pay as you go mobile phone, but now there is the option to apply the same principle to your car insurance. This latest type of insurance is a step to cut costs for younger drivers.

While it won't bring the premiums of a 19 year old down to the level of a 40 year old, it will help secure a substantial saving on their policy. Insurers are recognising that although drivers under 25 have a higher percentage of road accidents, not all drivers in this age group are unsafe or reckless.

Therefore, a driver in the high-risk age group can opt for a 'black box' - similar in principle to the ones used in aircraft - fitted to their car. This sends details of journeys to the driver's car insurance company, who can then work out the costs per mile. During the day, driving is relatively low-cost, starting from 5p per mile, in quiet times. During rush hour the cost per mile will raise, and the highest cost comes between the hours of 11pm and 6am, when the fee is a flat £1 per mile.

The aim of this is to prevent young drivers from using their cars late at night, which is when most accidents tend to happen. There is a fee for fitting the box, but for a young, safe driver the benefit of cheap car insurance will compensate for this. The average saving this type of premium can give is around 30 - 40%. To an age group traditionally quoted in the region of £2000 per year for insurance, that's an amount not to be scoffed at.

Of course, if you don't like the idea of a black box tracking your every move, you can always opt for taking a Pass Plus course, which can give you a similar discount. If you've already taken one of these courses, mention it next time you apply for a car insurance quote and you may be surprised at the difference.

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Company Contract Hire is Cost Effective

Saving money is the goal of every business out there, but they want to make sure that the work they have gets completed. Company contract hire is cost effective as it allows them to get employees when they need them. These are on a contract basis though which means they may not have to pay them as much money. They also won't have to offer paid vacations, health insurance, unemployment insurance, and other benefits.

Cutting down on the cost involves in those areas alone can save a business a great deal of money. Sometimes company contract hire employees will remain with the business for a very long time. As long as there is work they can continue to be offered a position. Such a job can be a great entry level place to start. Once an employee has their foot in the door though they can apply for regular positions within the company that open up.

Other times company contract hire is for a specific period of time. For example they may have a particular project that needs to be completed. The employees will be contracted for either a specific period of time or until that project has been completed. A business may hire them for the holidays when their level of business is much higher than normal.

For those that aren't sure what type of career they want to take part in, company contract hire is a good way to explore many different ones. It can also lead to becoming passionate about a given type of work that a person wasn't really exposed to or interested in before.

Someone that is only available to work during the summer or the holiday time due to college or other commitments can also benefit from company contract hire. They get the chance to develop new skills, work with a variety of people, make money, and to get some great job experience.

You will find that company contract hire is a very common when it comes to the world of online businesses. A business owner can hire someone on a contract basis to create and maintain their website, to write articles for search engines, to develop marketing strategies, for customer service, and much more.

Not everyone out there is a fan of company contract hire though. They feel this is a way for businesses to get out of paying for health insurance, good wages, and other types of coverage that employees would normally gain by working for them. Yet it gives the company the same benefits from regular employees because they are getting the work that they need done.

You will have to make up your own mind about company contract hire. It may work well for you based on your needs at this point in time. However, if you have a family you may really need the health insurance coverage but it isn't offered. Many people are thankful for any job though in today's economy so they take what they can get in the hopes something more permanent will come along.

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The Only Way to Find Auto Insurance Discounts

How can you find auto insurance discounts in a world that that begs for money? It's no secret that the auto industry is hurting right now, even after the billion dollar bailout package was passed. You might think that high insurance rates come with the territory, but if that's the viewpoint you carry, then you might miss out on some considerable discounts.

What are some ways to find auto insurance discounts? For starters, consider the occupation that you are currently working. Insurance companies collect information about all types of people and notice various trends relating to choice of career. Naturally, full time drivers get into more accidents than the average office worker. Statistically speaking, engineers seem to get into fewer accidents than the average driver. In the insurer's mind, it is a fact that engineers are safer drivers. You can benefit from your insurance company's research report.

You can also receive auto insurance discounts based on your vehicle's safety features. Some cars are loaded with safety features; some of these might include anti lock brakes, automatic seatbelts and airbags. Some car models are built to survive collisions. You can't even compare an old model Mercedes Benz to a Kia! Bigger and longer cars are statistically safer than lighter, faster cars. That means a lot to an insurance company who might be stuck paying for high medical expenses.

Another option that may help you is to assume more risk when it comes to collisions. There are auto insurance discounts available for drivers that keep their deductible high. By agreeing to take on more responsibility for minor accidents on your own, you can save money on premium rates-rates that are partially based on minor collision damages.

Another way to increase your personal responsibility, which will also provide you with more auto insurance discounts, is to drop certain types of insurance coverage. For example, if you drop your collision insurance policy and keep basic liability, you can easily reduce your monthly rate by 50%-70%! If you drive an older model car then you don't have much to lose. The car is probably not even worth the amount you spend on full coverage insurance. Save your money and pay for repairs on your own.

Start comparing auto insurance coverage today by using an insurance comparison website! You may be able to find a policy that is fair, affordable and much less expensive than the policy you currently have!

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Are Certified Cars Worth the Extra Cost?

Are certified used cars really a great thing, or is it just another way for dealerships to charge extra money for a car and get away with it? Certified used cars or certified pre owned car programs started in the early 1990s by luxury car brands like Lexus and Mercedes Benz. It was a way to sell cars just coming off leases back to consumers instead of taking them to auto auctions or used car lots. These certified cars were ideal for luxury car buyers on a budget.

Certified pre owned cars must pass a safety inspection and carry a warranty. Due to these requirements, certified pre owned cars cost more than a car just like it but not certified. Certified used cars make up over 40% of all used car sales. That main reason these cars are so popular is because it gives consumers a chance to get a nearly new car at a price they normally couldn't afford. It's much cheaper to get a certified used luxury car than buying the luxury car new.

A big draw of these certified car programs is the guarantee that consumers will have a like new car at close to used car price. Most certified programs include 100 point inspections, reconditioning, warranty coverage and roadside assistance. Some even have a return or exchange policy.

The peace of mind from buying an inspected car with warranty is worth the extra cost to many consumers, which is exactly what dealerships and manufacturers want you to think. These certified vehicle programs were actually developed after consumers asked for easier ways to buy used cars. It's just a benefit to dealers that they can charge more for a certified pre owned vehicle.

By getting a vehicle certified, the dealer can raise the asking price of the vehicle. The certification cost is probably only one half to one third of what the dealer is actually charging. Most dealers will only certify and purchase warranties on the cream of the used car crop. Dealers will tout the fact that the vehicles are repaired, returned to manufacturer's specifications or upgraded in the certification process. The reality is that during the inspection if the vehicle is found to have a major problem then it's taken out of the certification process and sold as is or wholesales to an auto auction house.

When buying a certified vehicle, only purchase a factory certified vehicle and not a dealer certified one. The dealer certified vehicles can be a gamble and not a sure thing like the factory certified cars.

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2008 Mercedes-Benz SLK-Class #M160079 in Chicago

www.fjchicago.com Ifyou are looking for real value on a great used car, Fletcher Jones Imports Chicago invites you to come in and test drive this 2008 Mercedes-Benz SLK-Class, stock# M160079. We are conveniently located near Chicago Schaumburg, IL and known for our great selection, reliability and quality. Come take a look at this 2008 Mercedes-Benz SLK-Class today. Fletcher Jones Imports Chicago 1100 N. Clark Chicago Schaumburg IL, 60610 (800) 251-2797 Although Fletcher Jones' name is relatively new to Chicago, it comes with a rich automotive history. Fletcher Jones opened his first dealership in Los Angeles, CA in 1947. In 2002, Fletcher Jones Jr. partnered with Mike Sullivan to open Mercedes-Benz of Chicago and Fletcher Jones Imports. Our organization learned early on the key to any successful operation is customer satisfaction. For this reason, every member of our team focuses on just that. Our location is convenient for public transportation as well as all major expressways, making the dealership literally minutes away from anywhere in Chicagoland. Customers can take advantage of free indoor parking as well as shop in climate-controlled comfort. More than 1000 Mercedes-Benz, Audi, VW, Honda and luxury used cars are displayed indoors side by side for easy comparison. Thank you for visiting another one of Mercedes Benz of Chicago's exclusive listings! There is still plenty of tread left on the tires. The paint has a showroom shine. This vehicle was tastefully optioned ...



http://www.youtube.com/watch?v=WemoLimigDk&hl=en

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Insurance Mercedes Benz - Mercedes Car Comparison Insurance Quo

Compare Prices on Mercedes Benz Car Mercedes insurance.tv www.car-insurance system we offer compared to find the highest quality Mercedes auto insurance at lower prices.



http://www.youtube.com/watch?v=HMrpHWm8stw&hl=en

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Crash Test of 2003- 2007 Mercedes E-Class E 500 IIHS

Mercedes E class 2003-06 models mfg. after Dec. 2002FRONTAL OFFSET TEST OVERALL EVALUATION: Good Structure/safety cage Injury measures Restraints/dummy kinematics Head/neck Chest Leg/foot, left Leg/foot, right Good Good Good Good Good Acceptable Important: Frontal crash test ratings can be compared only among vehicles of similar weight. Test details: The Mercedes E Class was redesigned for the 2003 model year. 2003 E Class models manufactured after December 2002 include structural changes to improve occupant protection in frontal offset crashes. (Note: Information about when a specific vehicle was manufactured is on the certification label typically affixed to the car on or near the driver door.) The Insurance Institute for Highway Safety has evaluated the crashworthiness of an E Class with the structural changes in a 40 mph frontal offset crash test into a deformable barrier. Restraints/dummy kinematics — Dummy movement was reasonably well controlled. During rebound, the dummy's head moved partway out the open window and hit the B-pillar and window frame. Injury measures — Measures taken from the dummy indicate a low risk of any significant injuries in a crash of this severity. Head acceleration from the B-pillar/window frame hit was low. Left to right: * Action shot taken during the frontal offset crash test. Larger photo * The dummy's position in relation to the steering wheel and instrument panel after the crash test indicates that the driver's survival space was ...



http://www.youtube.com/watch?v=vBl22idhC2s&hl=en

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Insurance Research Determines the Ultimate Mid-Life Crisis Car

Recently a motor insurance company conducted some research into it's customers and was able to determine that certain age groups have an affinity to certain car types. This research was able to pigeonhole certain brands to age groupings partially because the particular age group was only able to get car insurance on that particular class of vehicle. Obviously the richer and later in life people get the more money they potentially have to spend on a car and its corresponding insurance.

With younger drivers, Fiat and Peugeot cars were most popular with the average driver age being 31 and 32. This is pretty much a given as smaller engine models such as the Fiat Punto and Peugeot 106 are popular first cars for many younger drivers and much easier to get insured on.

Minis were also popular amongst younger drivers with their average age being 33 years old too, the marketing of these vehicles tend to appeal to younger drivers too which may also contribute to the choice of vehicle.

More mature drivers choose the type of car you may already expect, being Volvos and Jaguars. One surprising statistic is that the Nissan Micra only had an average of 35, and in the motoring industry this is regarded as a car typically driven by the grey hair brigade. Larger older vehicles such as Jaguars have classic high cost parts which would cost a lot to replace and so car insurance on some of these older vehicles will be understandably higher.

Despite it's image in recent years of being the ultimate in celebrity excess, Mercedes-Benz has an average age much higher than the typical movie star and is considered to have the same age driver as the Jaguars and Volvos. This is something that stars like Britney Spears who drives a Mercedes SL500 and Jim Carrey, with a McLaren SLR, will no doubt be rather embarrassed about.

But the most obvious result from the insurance survey is what car type tops the list of the mid-life crisis crowd, the Porsche. Porsche cars like the 911, Boxster and Cayenne all have an average age of around 39. As the old saying goes, if you know you've hit your mid-life crisis when you buy a guitar, get a girlfriend half your age or buy a Porsche.

So in this research the insurance companies have found some drivers fit their stereotype but interestingly some did not. Obviously there will be some that don't follow the trend and will have a different car but more and more we are seeing people buying cars that will get them cheap car insurance as opposed to turning heads on the high street.

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Auto Transport Broker

An auto transport broker is a person who typically acts as middleman between the auto transport carrier companies and you. Brokers are often not liked by people. They are the main marketing force behind the promotion of the auto transport companies.

The auto transport brokers may be individuals or companies who provide the information about the various transport carriers. These brokers can be considered as the directory to the auto transportation industry, they possess a vast knowledge about the different carriers and they enable you to get the best of the carriers from their list according to your need. They charge a professional fee for this service.

Many people prefer to go directly to the transport carriers without the service provided by the brokers; this is only possible if they are aware of the carriers and they get their preferred carriers which could serve their need of fulfilling both the time and route criterions as many companies travel through the specific routes. Brokers are the real energy drink or an effective marketing tool for the success of any industry.

However there are many other valid reasons as to why there is a requirement for an intermediary. One reason for which there is an involvement of brokers in any industry is the flexibility and the availability of the service. Since the auto transport companies deliver through specific routes it is often not possible for the consumers of the service to directly deal with the shippers. Hence the brokers deal and get the shipping board.

One service which the brokers provide for which they are preferred by many people is that they are capable of finding a company which can offer to transport your vehicles at an affordable price you require and they also take care about your time preference or the delivery schedule. They usually have a wide network chain due to this reason they provide a very satisfactory service. Another fascinating thing about the brokers is that they often offer service at a price that is almost equivalent to or better than incase you had approached a carrier company directly.

Hence, to summarize the brokers act as an agent who helps the consumers to track the right transporting companies and with view point of the transporting companies they act as a tool that increases the awareness of their companies. The responsibility of the brokers gets over after they locate the right transporting company for the customers. The brokers do not take care of the insurance facility, and it is the actual carrier that bears the responsibility for damages.

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AlarmForce, Brinks And ADT Comparison

One Man's Opinion on the Best Way to Protect Your Home

I normally do not take the time to right about important events in my history until recently. The last year of my life has been plagued with bad luck. From terminal sickness to job loss and robbery to accidental injury. It's OK I am not looking for a shoulder to cry on, that's life! But I did want to share my life events here as it may help my fellow man in a similar situation.

Here's my true story

1) I lost my job a few months ago in a corporate merger.

2) My wife was diagnosed with a rare blood disorder and undergoing experimental therapy.

3) I had a car accident last month and wrote off my Mercedes

Time For a Vacation

We (my wife and I) decided it was time for a vacation. We live in Atlanta, GA and decided to do some wonderful traveling. We arrived back from a wonderful 2 week holiday only to find out our home was broken into and recklessly vandalized. Broken glass, beer bottles, carpet and upholstery destroyed, it was a mess! My wife was taking medication for pain and it all of her medication was gone.

The authorities were called and investigated the break in looking for point of entry. It was learned that our control panel in our home security system was easy disabled through the control pad. The investigators showed us the problem with our current home security system. After the insurance company was finished, the damage was assessed at $75,000... a total act of vandalism.

I decided to make it a priority mission to seek out the best security system I could find for our home. I will not mention the name of the home alarm we were using but I will tell you about the security systems we looked at while choosing a new alarm system for our home. Some of the home security systems we originally looked at included:


AlarmForce.com- Live 2-Way Wireless Voice Alarm Installation

ADT® Monitored Home Security System

Brink's Home Security- Brink's Home Alarm Monitoring



We also reviewed Voxcom, CPI and Ackerman. AlarmForce ADT and Brinks were the three main ones we narrowed it down to. Keeping in mind we were not looking for the cheapest "do-it-yourself" home security but the best home safety security available. Here is a comparison of the 3 at the time of my research.

Two-Way Voice Communication

AlarmForce- Yes

ADT- Yes With Voice Connect System

Brinks- No

Wireless Door/Window Contacts

AlarmForce- 1*

ADT- 2

Brinks- 2

Interior Siren

AlarmForce- 1

ADT- 1

Brinks- 1

Wireless Motion Detector

AlarmForce- 1

ADT- 1

Brinks- 1

Keypad

AlarmForce- 1

ADT- 1

Brinks- 1

Extra Door/Window Contact

AlarmForce- $69.00

ADT- $52.00

Brinks- $75.00

Contract Length

AlarmForce- 36 months

ADT- 36 months

Brinks- 36 months

Installation Fee

AlarmForce- $0

ADT- $399.00

Brinks- $199

Lifetime Equipment Warranty

AlarmForce- Included

ADT- Included

Brinks- $5

Monitoring Cost per Month

AlarmForce- $25.00

ADT- $33.99

Brinks- $29.99

Two-Way Voice Cost Per Month

AlarmForce- Included

ADT- $5.00

Brinks- No Two-Way Voice

Total Cost for 36 Months

AlarmForce- $900.00

ADT- $1838.64

Brinks- $1458.64

The way I see it is if you are going to invest in an alarm system for your home that will truly give you a feeling of safety homeowners need to know the facts. That's the reason I did this research and composed this article. There are bad home alarms (that shall remain nameless) and there are good ones.

At the end of the day, choosing the right home alarm system was difficult because they each had their own unique characteristics. The security system we decided to go with was AlarmForce because it was a 2 way live voice home security system. They also had a chart on their website that allowed us to compare home security alarm systems against others found here http://www.alarmforce.com/competitiveedge_new.php#comp1. After checking the ADT site http://www.adt.com/ we could not find any means of comparison.

If you're considering getting a wireless home security system for your home or small business, it will definitely help you to explore all avenues before deciding on which alarm is best for your safety. Check with your home security alarm system supply store for more details. Don't be afraid to ask your neighbors and friends if they have experience and opinions that may help you make the right choice.

A monitored home security system is a home safety precaution that thousands of people are exploring for every day, so there's no need to be secretive or embarrassed about it. If you suspect that your family should have the added feeling of a secure home, be sure to find out what security system is best for you. Hopefully some of the research above helps you make the best choice for your family.

Live long and Be safe,

John

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Why You Need a New Convertible Top For Your Luxury Vehicle

Let's not kid ourselves, we all know that there are more benefits to a luxury car than seat warmers and a good sound system: These cars were designed to look elegant and respectable, not rundown and disheveled. This means that if you get in a fender bender with your Mercedes Benz, you will have to get it fixed or you'll defeat the purpose of the vehicle. The same applies for convertible tops on luxury vehicles. If your top is rundown and your rear window is fogged up, you are destroying the look of the car when you don't have to. With online distribution, it's easier than ever to get a factory grade vinyl or canvas convertible top to replace your luxury cars current nightmare.

The situation basically works like this: A convertible car will offer a number of beneficial aspects that a normal car won't offer. This includes the freedom to drive with your top down, embracing the scenery, while looking incredibly cool at the same time. This takes us to point 2, the looks. The convertible may take more effort to care for, but in the end, nothing looks better than a sporty convertible. The same applies to the luxury vehicles. People like you pay good money to ensure that they feel on top of the world every time they drive. The combined vehicle, a luxury convertible, is therefore essentially a dream car. It combines aspect of prestige and cool like no other vehicle out there. Naturally, owners should take great care to make sure to maintain this appeal as long as they can.

However, the fact of the matter is that a convertible top is not made out of metal or fiberglass like the rest of the vehicle. The material will either be canvas or vinyl, both of which will eventually lose their visual appeal due to wear and tear and the outdoor elements. About the longest a car owner can push the life of their convertible top will be 10 years. The rest of the car can last a lot longer than that, so from a visual standpoint, keeping a worn out convertible top on a car that's in good condition doesn't make sense. Especially when dealing with the luxury convertible breed, for which looks play a large part. In the long run, replacing a worn convertible top is a small investment compared to the overall benefits of a luxury convertible.

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Hawaii - How to Get To, And Get Around On, The Big Island

The Big Island of Hawaii's beauty is legendary and it has the most diverse landscape on earth-but it can be as challenging to explore as it is charming. From the icy heights of snow-covered volcanoes, to steamy jungles and tropical beaches, to flowing fields of lava, flower choked canyons and wide-open tropical grassland, its scenery is unsurpassed. By and large the quality of your trip to the Big Island will depend on how much of it you choose to see and how you set about discovering your own Big Island adventures. Below are some ideas on the options for getting to Hawaii and for getting around Hawaii, once you are here.

Another key to the quality of your time on the Big Island has to do with the spirit of aloha. The people you meet in Hawaii, by and large, tend to be more open and friendly-quick to help or befriend-than elsewhere. This is the tradition of "Aloha". When you meet local residents, whether to ask for directions and advice or to hire services or just in casual conversation, treat them with respect, humor and openness-return their spirit of aloha and you will find your journey, and yourself, deeply enriched for it.

In Hawaii, your smile is your passport.

Getting To Hawaii

The standing joke among residents of Hawaii when dealing with the time, inconvenience and hassle of traveling to the mainland is: "This used to be so much easier before the bridge blew down"! Of course, there never was a bridge spanning the roughly 2500 miles between the Big Island and mainland USA, but the humor tends to underline the commitment, planning and time it takes to travel to and from Hawaii.

Flying to Hawaii: Certainly the most common, quickest and least expensive (note I didn't say "inexpensive") way to get to Hawaii is to fly. Many major US and international carriers fly to Honolulu on Oahu and and a host of local and international carriers offer flights from there to all the other Hawaiian Islands, including the Big Island. Kona's airport is the only one on the Big Island that has direct flight connections to the US Mainland, Canada, Japan and Australia. Despite styling itself as "Hilo International Airport", flights to and from Hilo ONLY connect to other Hawaiian islands.

Although both airports have similar facilities and services, including onsite rental car agencies and access to public transportation, shuttles and taxis, it makes a big difference to the traveller where they land. By far the vast majority of visitors to the Big Island stay in either Kona or the Kohala Resorts which are all on the west side of the island and are between 20 to 45 minutes from the Kona airport. If you are staying in Hilo, it's fine to fly in there; however, Hilo doesn't have the resort facilities, fine beaches and great weather of the Kona side and few tourists opt to stay there anymore. Many people booked into resorts on the west side mistakenly take flights into Hilo, due to the misleading airport name, unaware (or even misinformed by ignorant but well-meaning travel agents) that they now, at the end of an exhausting day of travel and in the fading twilight of the early tropical sunset, face a drive of almost 3 hours, across high mountains and on narrow, winding, unfamiliar roads to get to their resort. They just better hope it doesn't start raining, too.

So-know where you are staying, fly into the appropriate airport.

Whether you are flying directly into Kona or flying to Honolulu and getting a connecting flight into Kona or Hilo, you want to be sure to reserve a seat so that you see as much of the incredible scenery as you can. Since 90% of the flight is over open ocean (which just isn't as riveting as one might expect) you want to wring the most enjoyment out of those portions of your flight which do feature scenery. If you are first stopping in Honolulu, sitting on the port (left) side of the aircraft for this leg of your trip affords the best views as the plane screams in past Koko Head and over the top of Diamond Head and Waikiki Beach, turns around directly over Pearl Harbor and settles in to land at Honolulu International Airport. Sitting on the starboard side is not as spectacular, however, it offers views of Moloka'i and Maui islands, as well as views of Pearl Harbor, the Wai'anae and Ko'olau Mountains of O'ahu and downtown Honolulu just before landing.

Flying into Hilo from O'ahu, one also wants to sit on the port side of the aircraft. The flight path crosses over the islands of Moloka'i and Maui, skims along the eastern margin of Hawaii Island presenting a rich, fascinating panoply of soaring sea cliffs, jungle canyons and volcanic mountains, jaw-dropping waterfalls and crashing surf along the coast. Flying into Kona either directly or from Honolulu is no less wonderfully scenic than flying into Hilo, but one wants to be on the starboard side. This offers the traveller great views of the islands of Maui, Molokini, Lana'i and Kaho'olawe, as well as incredible views of the Big Island, Kohala Mountain, Mauna Kea, Hualalai and, on clear days, Mauna Loa as the jet cruises in over the Kohala Coast, making land right over Makalwena Beach and on to Kona International Airport at Keahole.

Cruise Ships and Cargo Ships: There are several cruise ship lines which ply the waters of the Hawaiian Archipelago, however of the ones that service the Big Island, most require passengers to book for an entire cruise, meaning that although you may make one or two stops on Hawaii, you will only remain in port for a day, overnight at most, before sailing on. Generally, you cannot arrive on one ship, disembark for a stay, and catch another ship out.

Of increasing popularity, however, is cruising to Hawaii on cargo ships-cheaper than a cruise line and with a completely open and adjustable itinerary, this is a great alternative to flying. It is both more expensive and more time consuming (average sailing is 3 days from Los Angeles to Honolulu, and times are variable for getting from there to the Big Island) than flying, but it is restful, peaceful and unique. Cargo ships offer spacious passenger cabins and, while not the floating feed-lots that cruise ships tend to resemble, the food on cargo ships is wonderful and plentiful. Perhaps the biggest drawback of riding cargo ships to the Big Island is that on the east side they dock in, let us say, the less desirable part of Hilo; on the west they dock at Kawaihae, halfway between Kailua Kona and the resorts of the Kohala coast-in other words, out in the middle of nowhere. Both land many miles from resorts and car rental agencies. However, both docking facilities are serviced by taxis and public transportation; if you plan ahead, it should present no problem.

Getting Around Hawaii

Shuttles/Taxis/Limos/Tours: Taxis, of course, service both Big Island airports, the metropolitan regions and all the resorts. The taxis, while not cheap, are not as usurious as one might fear and the drivers generally are knowledgeable, friendly, HONEST and genuinely nice-it's that whole aloha thing. Taxi drivers are happy to answer your questions, even the silly ones you are kind of shy to ask; they will freely give advice about what to do and see and where to eat and generally try to be as helpful as possible. However, many speak in pidgin English that can be nearly impenetrable to the newcomers' ear. Don't be shy about respectfully asking him to repeat himself, and again if necessary-he hears that on nearly every fare he carries. Ask him to write down place names, restaurant names and such-many Hawaiian words do not look at all like they way he's saying them and you'll want to be able to read the words on maps and signs, or be able to ask another person, later.

Both Kona and Hilo airports are serviced by point-to-point shuttles and limos, whose prices are actually quite reasonable and certainly less expensive than the taxis. The drawback here is that there will be many people aboard going to many diverse destinations-so it takes a bit longer than a taxi.

Many of the larger resorts offer a free limo service to and from the airport and some will even arrange to have your rental car waiting for you on-property when you arrive from the airport...check when you make reservations. If available, this is the least personable, but quickest, easiest and least expensive way to get to your lodgings.

Some boutique tours offered by Hostels and the smaller tour companies will also pick you up at the airport at the beginning of their tours, if your arrival time is convenient to the tour schedule; thus, the cost of getting to your resort is absorbed into the cost of the tour. This option is worth looking into if you are not planning to rent a car during your stay.

Tipping tour, taxi, limo and shuttle drivers is not only encouraged, it's their main source of revenue. Remember to return the aloha they showed you.

Rental Cars and Driving Tips: Although some people opt to not rent cars during their stay, relying on tours and public transportation to get around, you should bear in mind that there is a reason they call it "The Big Island". Distances between attractions can be long, public transportation schedules are not always convenient and, face it, it's just a lot freer, easier and more independent to have your own wheels. Be sure to thoroughly research the online booking agencies before you arrive-ofttimes great deals bundling airfare, room and car rental can be found, especially in the slack seasons.

There are two types of car rental agencies on the Big Island. The major, international car rental agencies are available on property at both airports, giving the visitor a wide selection of corporate deals and specials-particularly flight-room-car combo deals--as well as a diverse palate of available cars. The other option, frequently much less expensive particularly for long term rentals, are the off-property rental agencies. These folks won't generally pick you up at the airport so you must make your way to their in-town offices, but the selection of vehicles, and rates, are generally wider ranged.

If you are under 21, the rental companies won't rent to you. If you are between 21 and 24, they may add a surcharge to the rental that can be as much as twenty-five dollars a day on top of the regular daily fee.

The first question the traveller must answer for themselves is what kind of vehicle they will want while on the Big Island. Some rental agencies specialize in luxury and exotic cars--Mercedes, Lamborghini, Rolls Royce and such. Others offer Volkswagen Campers and RVs. Many people arrive and decide they want to flash around the island in a Mustang or Camaro convertible-which are great and fun, but they offer no security for your personal items and they severely limit the kinds of roads you can drive on, in addition to almost guaranteeing sun and wind burn. If you are coming to explore the island, you should consider going to the extra expense of renting a four-wheel drive vehicle-either a jeep or an enclosed SUV. Much of the mountain country and many of the more interesting beaches and canyons require four wheel drive. I suggest an enclosed SUV so you do not have to shout to be heard, as you do in a jeep, and have some more protection from the elements and from thieves.

Briefly mentioned above, RVs and Volkswagen Campers are excellent ways to see the island and obviate the need for an expensive hotel. However, RVs are not common on Hawaii and there are no RV parks as such; outside of the towns of Hilo and Kona there is nowhere to drain the waste tanks, so you have to be sure to use public facilities as much as possible. But you can park and camp free virtually anywhere, although most campgrounds will charge a camping fee for an RV, even if you are camping in the parking lot.

Motorcycles and scooters can be rented in both Kona and Hilo and are a fun way to see the island, until it rains. Which happens. It is also difficult to travel with any amount of luggage on a motorcycle. You will notice a burgeoning fraction of the local population zipping about town on scooters (locally, and incorrectly, referred to as "mopeds"). For bikes with engine sizes smaller than 50cc, no motorcycle license and no insurance are necessary. The "moped" class vehicle has the same license and road regulations as a bicycle, so it is not surprising to see them zip along the the roadside, passing cars stuck in traffic, or pop up and run down the sidewalk. If you rent a moped in Hawaii, please don't drive them the way the locals do; it just isn't safe. I use a moped almost exclusively to get around Kailua Town where I live-do not ride your scooter the way you see me ride mine.

The cost of gas in Hawaii is even worse than you've been led to believe, so when selecting a rental car, bear this in mind. Costco in Kona has the absolute cheapest gas on the island (and it's handy, near the airport); the gas station off the Akoni Pule Highway in Kohala near mile marker 76 has the cheapest gas in Kohala and the Chevron Station at the Airport turn-off in Hilo has the cheapest gas in East Hawaii. Remember that the Big Island is largely rural-gas stations, particularly in the far north and on the south side of the Island, may not keep regular hours or even stick with their posted schedule-especially if the surf is up or the fishing is good. In general, outside of the urban areas of Kona and Hilo, gas is hard to find after about 6 in the evening. I personally don't ever let my gas tank get more than half empty, ever, just for this very reason. Certainly, you should never let it get more than half empty when on the south side of the Island; you should make a point to fill up before late afternoon when you have the chance, definitely before you go into Hawaii Volcanoes National Park (you'll stay longer and use more gas than you planned because, trust me, it's the coolest place, ever) and before crossing the Saddle Road.

Driving times between attractions on the Big Island are longer than you might expect, given the actual mileage between points of interest. This is in part because much of the "highway" system is composed of winding, narrow, two-lane blacktop with a speed limit of 35 miles an hour. Another reason drives take longer than expected is because you are going to want to pull over and look, stop and explore, take your time and enjoy. As the bumper sticker says: "Slow down, Brah-dis ain't da mainland!" On this note, many local residents will pass on hills and blind corners, even into oncoming traffic; they know the road, you don't-don't follow their lead. Trying to drive like the locals drive is like jumping into the ocean and trying to surf like they surf-it just isn't a really bright idea. Local custom is to eschew use of turn signals and horn; this is another custom you shouldn't emulate.

The police on the Big Island are well-trained, serious professionals. However, most cruise around in their personal cars (with a blue light on top) and can be very hard to spot (a Ford Mustang or Toyota Rav4 with a light bar? It happens...). They are particularly serious about drunk drivers, speed limits and child restraints/seal belts. Aloha, respect and honesty go a long way toward making any interactions with the Hawaii County Police more pleasant. This isn't Louisiana or some Third World banana republic-do not even think of offering a bribe if you are stopped by a Hawaii County Police Officer. On the topic of police, it is local custom to flash your brights at on-coming traffic if there is a cop behind you. Participate in this at your own discretion, but this is the reason all those people are flashing at you.

There are feral goats and sheep (feral donkeys along the highway in Kohala!), wild pigs, feral cats and dogs that present driving hazards, especially at night. Fruit such as mango, avocado and guava frequently fall, en masse, into the road and produce a slimy hazard, particularly to motorcycles. In town, watch for cyclists, pedestrians and skateboarders (check out those guys skateboarding to the beach with their surfboards under their arms!). Kailua Kona is the proud home to the Iron Man World Championship Triathlon and many runners and cyclists fully utilize, and rigorously defend, their rights of way; smile, wave and yield, OK? You came to have fun: relax. The Big Island is also Big Sky country...driving east into the sunrise or west into the sunset is painful and hazardous; try to plan your day to avoid this.

Do not leave valuables in your car, not even the trunk. Ever. The locals are friendly, but but some are frisky and high value items will evaporate from your car with alarming alacrity. Consider any spot frequented by visitors to be at risk for theft, even if you only are going a hundred feet from your car.

Many roads, intersections and attractions are poorly marked and what signs exist are in Hawaiian, which is hard to read, harder to remember exactly the name of the place you are searching for. When you ask directions, have the person write down the name of the place. Many residents are in the habit of giving directions in terms of landmarks that mean nothing to you ("Remember where Uncle Kealea had the fruit stand 20 years ago? You want to go just across Aunty Tutu's pig farm from there to where the coconut grove used to be...") so have them show you on a map. Be sure they start by pointing out where you are, right now. Respect, humor and aloha will help get you where you are going.

Along these lines, many tourists bring their GPS from home to help navigate-be sure to download the maps for Hawaii before you come; some brands of GPS do not offer Hawaii coverage. A few of the rental car agencies have GPS units for rent at reasonable prices. The best solution, however, are the folks at Tour Guide Hawaii (808.557.0051; http://www.tourguidehawaii.com) who offer a hand-held computer with an onboard GPS at very reasonable rental rates. They have stuffed into this device over six hundred points of interest (did you hear that? 600!) of recreational, cultural and historical importance. They have produced a short audio/video presentation for each site, telling you all about it, the history and culture, what to bring, what to do while there; they even have the public restrooms listed! These presentations play as you approach the points of interest, or can be searched for at any time or location. Thus, the device can be used to preview all the sites around the island in the comfort of your hotel room, pre-plan trips or to get information and turn by turn navigation on the road. Combining cutting-edge technology and old-fashioned story-telling, the unbelievably easy to use, fabulously informative and terrifically fun Tour Guide Self-Guided GPS Tours are an amazing bargain and a great way to see Hawaii. They are now offering a pared-down version (45 of the top sites-iAND the restrooms!) that is downloadable to iPhone and iPod.

Commercial Tours: Whether or not you rent a car, commercial tours offer a great way to get oriented to the island and hear a bit about the history and about the culture of our home. Tours come in all sizes and description, from the taxi driver who makes it up on the fly as he takes you to dinner, to personalized taxi tours lasting a half to a full day, to specialized van tours and large, full day, round the island tours in full-size motor coaches. There are bus tours to the summit of Mauna Kea, tours through the coffee country of Kona, tours to see the volcano, historical tours-tours of all lengths and covering just about anything and everything you want to see. Some tours include meals-one even takes you to a real, working ranch for a barbecue! Then there are the highly specialized tours: fixed wing and helicopter tours of the island, whale and dolphin watching tours, snorkel tours, sunset cruise tours, organized bicycle tours, powered hang-glider tours, tours of Kailua Bay in a submarine and even boat tours to see the lava flowing into the ocean. Although they can be fairly spendy, most are fully worth the price. Be sure to shop around for the right tour at the right price to suit your interests.

Bicycle Rental: There are several places where you can rent bikes on the Big Island-and it's very pleasant to spend the day pedaling through Hilo and Kailua Kona. However, problems of weather (hot sun, torrential downpour!), the long distances between points of interest and the ever-present, enormous volcanoes (think: "HILLS!") preclude this as a major method of exploration, except for the most avid bike tourer.

Public Transportation: The Hawaii County-run Hele-on Bus travels most of the Island, and makes pretty good time-the good news here is that riding the bus is free...the bad news is that it is scheduled to get workers between the large resorts in Kona and Kohala and the small towns all across the island where they live. As such, the bus schedule may not be convenient for the visitor nor conducive to exploration. However, it's very handy if you just want to go somewhere and spend the day there. Be sure you understand the bus schedule, however, as many places only are serviced twice a day by bus (one in-bound and one out-bound trip per day) and if you miss your return ride and have to find an alternate way back to your hotel, you will quickly learn why they call this "The Big Island"!

Walking and Hitch-hiking: Two words here: BIG ISLAND. It is possible to hike across the Big Island (I've done it both west-to-east and south-to-north; heck, in 2008 a wheel chair athlete rolled his wheel chair from sea-level in Hilo 37 miles and 13,800 feet in elevation up to the summit of Mauna Kea-did you catch the part about "wheel chair athlete"?), but the long distances, rural nature (it's an impracticably long way between places to get food, water and to camp) and intense sun make this an epic adventure, not a restful sight-seeing vacation. Both Hilo and Kailua Town are comfortable and safe to walk around, but getting to beaches, waterfalls and other points of interest is difficult on foot.

Until very recently hitch-hiking was a common and respectable way to get around the island-if you were a local, everybody either knew you, or your aunty; if you were a visitor, your uniqueness made you interesting and so it was very safe, as well. Although probably just as safe today, with the explosion of mainlanders moving to our island (who may be reluctant to offer rides), I notice a sharp decline in the number of hitch-hikers on the roads now. Hitch-hiking is legal from the roadside, as long as you are not in the road, presenting a hazard to yourself or an impediment to traffic. If you hitch-hike use your judgement, be home before sundown and refuse to ride with drunks or folks of questionable character or cleanliness. Do not ride in the backs of pick-up trucks.

So-armed with this information, you are now better prepared to evaluate your options for exploring the unique and varied landscapes, experiences and delights of Hawaii-your adventures are limited only by your imagination. Remember that attitude in Hawaii is important to the quality of your vacation-the spirit of Aloha is pervasive. When angry, lonely, confused, frustrated, tired or bored, recall what I said: "In Hawaii, your smile is your passport"

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