Branded Vehicle Leasing: A Practical and Excellent Way of Life

2 days ago, in Home & Car

Lamborghini Aventador and Ferrari 599 HGTEWhen you?re ready to get a new vehicle, one of the first things you must decide is whether to lease or buy. The advantages of vehicle leasing far outweigh buying outright. First, you must understand the difference between buying and leasing.

Buying

If you choose to buy, you end up paying for the entire cost of the vehicle, irrespective of your mileage accumulation or the length of time you own the vehicle. Most people make a down payment for a vehicle, pay sales tax, and make a monthly payment through car finance that?s largely determined by their credit score. You make your first payment about a month after you purchase the vehicle and repay the loan over a period of years.

Leasing

If you lease, you pay only a portion of the vehicle?s cost. That?s the part you use during the time you?re driving it. Contrary to popular opinion, leasing is different from renting. You don?t always make a down payment when leasing a vehicle, and you pay sales tax on your monthly lease payments. The monthly payments are based on a monetary factor that?s similar to interest on a loan.

With vehicle leasing, you may also have to pay a security deposit. You?ll make the first monthly payment when you sign the contract. When the lease term expires, you can return the vehicle or purchase it for its depreciated resale value.

So Why Not Lease?

Don?t just look at the financial comparisons when deciding whether to lease or buy. Consider your own personal priorities. With vehicle leasing, you get to have a new vehicle every two or three years. And you won?t be responsible for major repairs if you choose to lease. Most importantly, consider what type of investment you want to make.

For example, if you purchase a vehicle with a traditional loan, it?s basically like putting money into a savings account that declines in value ? you?ll never get out as much as you paid in. That?s because part of every monthly payment goes to cover depreciation and finance charges. So, when the loan is repaid, all you have to show of the investment is what?s left after depreciation and interest are deducted from the total amount you?ve paid over the years. It won?t be much, and no one would consider that a good investment.

Moreover, vehicle leasing only asks you to pay for what you use. Sure, you won?t own anything at the end of the lease term. If you choose to buy a vehicle rather than lease, you won?t own much at the end of the loan, because the vehicle has depreciated so much by then. Additionally, with leasing, your monthly payment will likely be lower than a traditional monthly car note. The savings you realize each month can be invested into a financial product like mutual funds or stocks that will actually increase in value over time.

When you?re in the market for a branded vehicle, you should consider leasing as the best option because you?ll get a new car every couple of years, you won?t be responsible for major repairs and it?s simply a good investment. You won?t own the vehicle, but branded vehicle leasing is definitely an excellent way to ensure you don?t get stuck with a car whose value has depreciated so much that it?s basically worthless.

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About the Author:

Vincent Hill is a Marketing Executive at Firstvehicleleasing.co.uk. First Vehicle Leasing provides best vehicle leasing solutions throughout the United Kingdom.

Source: http://www.informationgateway.org/branded-vehicle-leasing-practical-excellent-life/

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Don Mennig Joins Evolve IP as Senior Vice President of Marketing

One of America?s fastest-growing cloud services providers adds marketing veteran to executive leadership lineup

WAYNE, Pa.--(BUSINESS WIRE)--Evolve IP, The Cloud Services Company?, today announced that Don Mennig has joined the company as Senior Vice President of Marketing. Mr. Mennig will be responsible for overseeing all marketing functions for the company as Evolve IP continues the rapid rollout of its comprehensive cloud services suite to help organizations across America cut costs, increase mobility, boost productivity, and work smarter.

?Our comprehensive and integrated suite of cloud computing solutions has gained significant traction in the market and we?re excited to grow that even more.?

?We?re very pleased to have Mr. Mennig join our team and help harness the demand for cloud services, which is getting stronger every day,? says Thomas Gravina, Chairman, Chief Executive Officer, and Co-Founder of Evolve IP. ?Our comprehensive and integrated suite of cloud computing solutions has gained significant traction in the market and we?re excited to grow that even more.?

Mr. Mennig comes to Evolve IP with a 20-year career in B2B technology marketing. Prior to joining Evolve IP he served as the Executive Director of Marketing for ASI. There he grew ASI?s Software as a Service (SaaS) product from 3,000 to 50,000 seats and its hosted web platform from 4,000 to 14,000 sites. He previously owned Satient Marketing Communications where he consulted with clients ranging from the Fortune 500 to start-ups in online marketing, PR, advertising, graphic design, and branding.

Mr. Mennig has won several awards including a 2012 Communicator Award, the 2008 Telly Award, and the 1999 Emmy Award for Outstanding Production Design, he was also a finalist for American Business Media?s 2009 CEBA (best B2B marketing campaign). He was recognized in 2007 by the Web Marketing Association for landing page design, in 2005 as the Rising Star Employee of the Year for ASI, and has received the Dale Carnegie award for Outstanding Individual Achievement.

Mr. Mennig graduated from Rowan University with a bachelor's degree in communications and a specialization in radio and T.V. with a concentration in journalism.

For more information about Evolve IP's suite of cloud services, visit www.EvolveIP.net. For more discussion about how cloud services can improve business, visit Cloud IQ.

ABOUT EVOLVE IP

Evolve IP, The Cloud Services Company?, provides organizations with a unified, integrated cloud platform on which to migrate all or selected IT services. Utilizing Evolve IP?s geographically redundant data centers, the customer?s applications (Email, Office, Unified Communications, and Call Center) and infrastructure (servers, desktops, network, and phones) are securely hosted, accessed, and managed together. By leveraging Evolve IP?s proprietary single-source cloud solution, customers eliminate the issues and risks stemming from managing multiple vendors, legacy systems, and disparate cloud offerings. Evolve IP?s award-winning products enable customers to upgrade legacy systems while reducing costs, accomplish more with better features and increase stability and control. Visit www.EvolveIP.net or http://blog.evolveip.net.

Source: http://feeds.businesswire.com/click.phdo?i=1aa7aa39a0d5182ca4d65b53bb31f5c5

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Angola's ruling MPLA party wins 74 percent of vote

LUANDA, Angola (AP) ? President Jose Eduardo dos Santos' ruling party has won 74 percent of the national vote assuring his government, in power for 32 years, another five years in power.

With 73 percent of the votes counted from Friday's poll, the state election commission said Sunday that the Popular Movement for the Liberation of Angola, or MPLA, has gained a large majority. The MPLA will control Angola's 220 seat legislature, but the party's margin of victory is down from the 82 percent that it won in 2008.

The largest opposition party, UNITA, won 18 percent of the vote, nearly twice its share from 2008. And newcomer party, CASA-CE, gained 4.6 percent. Both opposition parties criticized the elections for not being free and fair.

The elections were largely peaceful and relatively well-organized in this former Portuguese colony of 21 million that is Africa's second largest oil producer, according to a diplomatic observer.

"We didn't witness one single case of coercion of intimidation. People voted freely throughout the country," Leonardo Simao, chief of the observing mission of the Community of Portuguese Language Countries, or CPLP, told The Associated Press.

He said the turnout of 57 percent of the 9 million eligible voters was good, particularly among women and youths, and that the voting process went smoothly.

"If there are people who have witnessed wrongdoings or violations of the law, they should use legal procedures to bring forward their grievances," Simao said.

Others, however, were more critical of the election process.

"This was all prepared during the electoral process," said Elias Isaac of the Open Society Initiative of Southern Africa. "The only surprise for me is that the ruling party did not get 90 percent." He said many abstained from voting, and that "the whole system was built to exclude and prevent people from heading to the polls."

On a positive note, Isaac said that "CASA-CE has done very well" for such a new party "especially given the context of a virtual one party system. But real change will only come when the electoral process is managed by independent, critical people," Isaac said.

Friday's elections were Angola's second since the end of the 27-year civil war, which lasted from 1975 to 2002, and the third since independence. On September 20 President Jose Eduardo dos Santos and his MPLA party will mark 33 years in power.

Source: http://news.yahoo.com/angolas-ruling-mpla-party-wins-74-percent-vote-114909332.html

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Can You Live Without Communication? | Blog | Mager Empowerment

If regular communication is just not happening in one of your relationships, consider this. If he/she does not view regular communication as a critical component in your relationship:

  • Can you be fulfilled without regular and open communication?
  • Can you function in this relationship without full communication?
  • Is there any way you can benefit by this person refusing to communicate or not fully communicating?
  • Can you really rationalize away this obvious void in communication?

Be willing to take it a step further. Once communication is happening, make sure that any compromises made by either of you appear reasonable and fair to you both. Make sure both of you understand the solution and agree that it?s a ?real? solution. And if a significant compromise is being made, make sure you can both accept that compromise without condition or resentment.

Relationships serve as the foundation for increased happiness. Commitment to adequate communication, in turn, is the foundation for healthy relationships. Establish this fundamental requirement for your relationships, and you?ll see real opportunities rise to the top?and the elimination of those relationships where there is always some sort of stressful battle relating to communication. If you stay true to this healthy commitment, you will find your life to be greatly enriched.

Source: http://www.magerempowerment.com/v2/blog/?p=1152

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Trans? Disabled? In need of surgery? Best to avoid Warwick ...

A mature student* enrolled in Warwick Medical School (WMS) has just lost a formal appeal after being denied the opportunity to resit an exam.

The events that led to this outcome indicate that WMS provides poorly for trans students undergoing a physical transition, and suggest that other students with access needs are likely to face similar problems. The student in question argued that these oversights amount to indirect discrimination: a claim rejected by a committee of senior academics from the wider University.

This message this sends is that discrimination against trans people and others is acceptable at the University of Warwick.

An inappropriate request

The first sign of trouble came in September 2011 (at the start of the WMS course) when the student (who I shall henceforth refer to as ?B?) was asked to attend an Occupational Health doctor at the University Hospital of Coventry and Warwickshire.

This is not a standard procedure for all students on the course, and instead related to information B had provided to WMS upon enrolment. She was informed by a secretary in WMS that: ?You are not being asked to attend on the grounds of being transgender [...] I can only assume that you have ticked one of the health issues boxes and the Occupational Health team are required to assess your fitness to cope with the course.?

B sought an explanation, writing: ?I?m concerned that I am actually being asked to attended simply because I am TG. Under the strictest definition, transexualism is still classified as a ?severe mental illness? and consequently it was necessary for me to tick the corresponding box (9? ? mental health).? B had commented on the form that was was trans, believing this action to be private disclosure.

Upon further enquiry, Occupational Health confirmed B?s suspicion, explaining that she was asked to attend the meeting because she had ticked the ?mental health? box. The meeting was compulsory, with B being told that: ?Failure to attend?will result in us not being able to clear you health wise for the course?.

Conflicting messages

Ahead of the meeting, B attempted to clarify the situation in an email to an Occupational Health Nurse based in the hospital: ?Just so that I?m completely clear, am I being asked to attend due to declaring that I have dysphoria of gender identity??

The nurse?s response was:? ?No ? it is connected with the health question you replyed yes to on the form.? It has nothing to do with your gender.? We work in accordance with the equality act 2010.?

B describes the eventual meeting as follows:

When the OH appointment occurred the doctor walked in, checked the notes, and then said, ?Oh, you?re trans?.

At which point I said, ?Oh, you?re breaching the Equality Act then,? and proceeded to lecture them on how they were breaking my rights. At which point they asserted the party like about OH being a positive thing. And I pointed out, ?then in that case I could have the right to decline your invitation?.

And the appointment ended. Nothing else was discussed.

There was no good reason for Occupational Health to know that B was trans. Through the arrangement of this meeting, she was unnecessarily outed to considerable number of people, and it was implied that her trans status might upon her ability to eventually graduate as a ?Warwick doctor?.

However, worse was to follow.

A limited window of opportunity

Medical degrees are typically very intense. Students on B?s course are expected to take no more than three week?s sick leave per year during their four year course and subsequent two years as a foundation doctor. The maximum holiday period available is four weeks. The only exception to this is the summer holiday period between students? first and second years.

As of autumn 2011, B was undergoing a physical transition, funded by the NHS and overseen by Charing Cross gender identity clinic. She intended to take a brief break in order to undergo genital surgery during her time as a medical student. However, the long recovery time (patients are typically recommended to take off at least eight weeks post-op; B was recommended to take off twelve weeks because of the physical nature of her course) and short breaks permitted during the six years of medical training meant that it would be difficult for her to find time to do so.

B was informed by the Senior Tutor at WMS that the only time she could realistically take off for surgery was her first summer holiday period. As a consequence of this, she was likely to forgo any chance to resit exams failed during her first year.

Private surgery

B then approached Charing Cross about the possibility of scheduling genital surgery for the summer of 2012. At this point, she would have completed the year of ?real life experience? required by the current World Professional Association of Transgender Health Standards of Care. However, her request was rejected by Charing Cross on the grounds that she would have been attending the gender clinic for less than two years at the time of surgery.

B then faced a difficult dilemma: to wait six years for surgery, or pay for a private operation in order to complete her physical transition within the timeframe effectively demanded by WMS. She eventually took the decision to spend her savings on private treatment in order to minimise disruption to her study.

The possibility of failure

Whilst considering her options, B approached a couple of tutors for advice. She was particularly concerned about the possibility of failing her exam and then missing the resit during her time in hospital. This was a valid concern: not because B is a poor student, but because resits are not exactly uncommon within medical schools. As one academic within WMS commented in email correspondence to B:

As I am sure that you are becoming aware, medical exams can be a bit of a lottery and do not necessary relate to the candidate?s ability.

B was, however, informed that she was unlikely to fail any of her modules, and decided to go ahead with the surgery.

The exam

As it turned out, B failed her exam ? along with 35% of her cohort.

An investigation by WMS formally dismissed any possibility of responsibility for this on the part of course conveners and school policy. However, B?s failure is arguably down in part to the complexities of the system as much as her own work. The manner in which the exam was marked meant that B got a higher percentage of marks than some students who passed, but failed the exam after doing poorly on a couple of very particular sections.

The exam results were announced the day that B regained consciousness in hospital following her operation. She spent the next few days in email contact with WMS from her hospital bed in an attempt to safeguard her second year of university.

The response

B requested that she be allowed (like the rest of her cohort) the opportunity to resit her exam. Unfortunately, the resit was to take place whilst she was still in hospital. WMS refused to provide any means for B to take her exam remotely, and insisted that it would not be possible for her to re-take her exam individually.

It later emerged that WMS were not prepared for any student to resit an exam individually under exceptional circumstances. Their argument is that it takes 60 working hours over the course of six months to prepare an individual exam, and that it is therefore too much work to prepare more than one paper.

B was reminded that she had been made aware that she would have to re-take the year in the event of failing any exam. WMS was not prepared to make any accommodation for her exceptional circumstances.

This would seem to imply that any student at WMS who is forced to miss an exam because of transition, disability or emergency surgery would be placed in a similar position to B.

The appeal

After pursuing the case within WMS for several weeks, B eventually decided to make a formal appeal within the wider University. The appeal entailed the preparation of a case, to be scrutinised by a committee of senior academics (including several faculty heads) before a recommendation was made to the Vice-Chancellor.

B argued that the approach of WMS amounted to indirect discrimination. The Equality Act and Disability Discrimination Act (which is applicable to individuals recovering from major surgery) both insist that suitable provisions are made for individuals with a legitimate need. The inability of WMS to provide a resit for students who have a legitimate medical reason for missing the standard resit effectively makes it difficult for anyone requiring surgery to undertake particular courses.

She therefore requested the opportunity to resit her exam, or (failing that) financial support for her re-take of the first year.

After a lengthy process of assessment (including an hour-and-a-half meeting with B in which she was able to direct present her case and answer questions) the committee rejected B?s appeal.

Some particularly telling extracts from the appeal documents follow (emphasis mine).

From the minutes of the committee?s meeting with B:

(i) ?It was noted that [B] believed she required surgery as a matter of medical need;

(ii)? [B] was aware that she intended to undergo surgery at the time she applied for, and subsequently enrolled on, her degree and would also have been aware of the structure of the academic year (through the School?s Code of Practice 2011) and the fact that this would limit her opportunities to undergo elective surgery

From a letter outlining the panel?s decision:

(ii) [B?s] decision to undergo private, rather than NHS, surgery was a result of her own rational choice and was not forced by the Medical School;

(iii) The Committee accepted that the structure of the academic year for the MB ChB, in which resit exams are scheduled during the long vacation, did not allow sufficient time for students requiring long-term elective medical treatment, including transgender students requiringtransition surgery;

(iv) The Committee considered that the imposition of a structured academic year applicable to students generally is proportionate to the legitimate aim of providing education and therefore does not constitute indirect discrimination against students requiring gender re-assignment under s.19 Equality Act 2010;

(v) It was noted that the University has a duty to make reasonable adjustments under s.92(6) Equality Act 2010 where a rule or practice impacts adversely on a student with a protected characteristic;

(vi) As such, the Committee deemed temporary withdrawal for an academic year a reasonable adjustment, as it is always available for students requiring long-term treatment, including students undergoing gender re-assignment;

(vii) In relation to the question whether the Medical School should prepare a special resit paper to be taken at a time convenient to [B], it was noted that it is not uncommon in other Faculties for special arrangements to be made to enable students with disabilities to take scheduled resit examinations;

(viii) Nevertheless, it was noted that in this instance, the process of setting, marking and moderating a special exam would take the equivalent of 60 staff hours and if it were required that special resit papers for individual students with particular characteristics (i.e. transgender students) should be set, to be taken outside the calendared exam periods, it would be necessary as a matter of fairness to offer this service to other students with disabilities, protected characteristics or general illness who were unable to take scheduled resits

[...]

In relation to the supplementary ground of complaint:

(i) That there would be no reason for any member of Warwick Medical School staff to anticipate this level of failure;

(ii) That advice given to [B] by the Senior Tutor made clear that early scheduling of treatment would incur a risk and that [B] should consider her degree of confidence in passing the exams, before scheduling her elective treatment;

(iii) The Committee was therefore satisfied that the advice given by the Senior Tutor was appropriate.

Particularly unimpressive is the assumption that students such as B can afford (in financial as well as emotional terms) an entire year out from study, and the implication that a decision in her favour would set an awful precedent in which the University would have to appropriately support disabled students.

Concluding thoughts

I find the handling of this whole affair by WMS and the wider University of Warwick to be quite disturbing.

Of course medical courses should be difficult, and of course exams should be stringent. But everyone should have an equal chance to pass (and fail!) them.

Of course University departments have limited time, resources and money, particularly at this time of financial crisis. But they?ve had to spend a whole lot of time and money on this appeal, and they?re going to have to spend more on dealing with the fallout from this case.

I?ve tried to keep this post relatively succinct. It?s inevitably ended up being pretty long, but there?s so much background to this, and so much I haven?t been able to cover. The general impression I get is that WMS (and the University of Warwick) were keen to bury this case underneath a mountain of bureaucracy. The fact that it even reached the appeal stage is a minor miracle.

My concern now is not just for B, but for future students at WMS. I?ve seen a lot of evidence that suggests they don?t take discrimination seriously enough. Let?s hope that in the wake of this we might see policy change to ensure otherwise.

If you wish to contact WMS about this affair, please do. But please do not send any hate mail or threats!

* The student in question wishes to remain anonymous at the time of writing.

Edit:?for a more personal take on this story, see No More Lost. There is also now a discussion up at Trans Medic.

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Tags: academia, cissexism, disability, Equality Act, trans exclusion, University of Warwick, Warwick doctor, Warwick Medical School, you're doing it wrong

Source: http://transactivist.wordpress.com/2012/08/30/trans-disabled-in-need-of-surgery-best-to-avoid-warwick-medical-school/

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louboutin Reasons Why Home Based Businesses Fail

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3. Build a marketing stronghold using #1 and #2.

No question, if you can overcome the initial obstacles and stay focused you will see rewards later. This becomes the second realization of owning your own business is the amount of time it takes before you start seeing the rewards.

Not everything is the individual though. Many companies have representatives that oversell their business. In most cases the representative is a ?Loose Cannon? and is saying things against company policy. You have to do your research about the company, the business,louboutin, the products. Contact the company directly to get your information. Talk to others (3 ? 5) that are in the business and get the different perspectives too.
Reasons Why Home Based Businesses Fail > > Reasons Why Home Based Businesses Fail by Melih O

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Three reasons tend to come to mind.

3. Individual entering into the business is actually a ?employee? not an ?entrepreneur?.

The third one is probably more important than the other two. If you have never owned a business and have always relied upon someone else giving you a paycheck,doudoune moncler, then the transition to business owner can be difficult if you are not prepared. Having to ?sell? your business product or service and realizing how much work has to be done upfront can be overwhelming at first.

If anyone has some other thoughts,louboutin, please add them. I?m sure we can come up with more ways to set expectations and avoid failures.

1. Expectations are set to high by a representative

2. Utilize all your resources within your business

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Another big problem is marketing is communication. Most marketers online do not communicate with their affiliates,www.louboutinpascherfrboutique.com, resellers and distributors. If you are having a hard time making any money online,www.doudounemonclerruboutique.com, try following these few rules:

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Once you understand the process of owning a business and you have done your research about the company,moncler, make sure you understand the support structure. Will be you be trained,www.peutereyoutletsitoufficiale.com, educated and supported by the company and its existing members? Without a support structure it will be very difficult to gain success completely on your own.

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2. Lack of Training, Education and Support by the company or representative.
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Source: http://www.medicaltravelclub.com/qa/2012/09/louboutin-reasons-why-home-based-businesses-fail/

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Photos of unannounced Nokia Windows Phone 8 device emerge

Zach Epstein is the Executive Editor of BGR. He has 10 years of industry experience, first in marketing and business development with two private Telcos, then as a writer and editor covering business, technology and telecommunications.

MORE ARTICLES FROM ZACH ?

Source: http://feedproxy.google.com/~r/TheBoyGeniusReport/~3/H5zElpgS3x0/

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Titans' Britt suspended by NFL


	Titans WR Kenny Britt escapes the Rams here but can't get away from a league suspension.

John Russell/AP

Titans WR Kenny Britt escapes the Rams here but can't get away from a league suspension.

NASHVILLE, Tenn. - The NFL has suspended Titans wide receiver Kenny Britt one game after a driving under the influence arrest, his eighth run-in with police since he was drafted in 2009.

Britt said after Tennessee's 10-6 win over the New Orleans Saints on Thursday night that he would "just take it on the chin" and won't appeal the decision.

The news was first reported by the Tennessean newspaper.

A first-round draft pick in 2009 out of Rutgers, Britt was arrested July 20 for driving under the influence at the Fort Campbell Army post on the Tennessee-Kentucky border. Britt met with NFL officials in New York on Aug. 6, his second visit to the league office in a year.

He was activated from the physically unable to perform list Tuesday after recovering from a left knee injury.

Source: http://feeds.nydailynews.com/~r/nydnrss/latino/~3/iGqMGwgPsXs/tennessee-titans-wide-receiver-kenny-britt-suspended-game-nfl-article-1.1148666

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