So, you need a car. Maybe it’s to go to work, maybe it’s to get your work done or just to get the kids to school on time in the morning. Whatever the reason, you just know that a car is what you need. Perfect, just head to a garage and… Wait. PCP or lease? What is the difference?

The answer, sadly, is quite a lot. Everything from how your payments are structured to what happens to your car at the end of your lease is different under a PCP than under a lease.

What happens at the end of the contract?

We have PCPs

A PCP (Personal Contract Purchase) is effectively a form of installment purchase. What do we mean by that? Well, ownership of the vehicle remains with the finance company until all payments have been made. You remain the registered owner, but the vehicle is owned by the finance company.

With all your payments made, you have a few options:

• Do you want another car? Simply return it to the finance company, with no additional charges.

• Do you want to keep the car? You can pay off your agreement by paying the remaining value of the car, as stated in your agreement.

• Do you want a different car? Exchange of parts. Depending on the value of the car, it could cover another car’s deposit.

in a lease

Leasing is simply renting a car for a set period of time. So in the end your only option is to return the car. Fortunately, leasing companies will often come and pick up your car on a pre-arranged date, and even drop off a new one for you, if you so choose.

Do you pay a deposit?

We have PCPs

Yes. Often, you can pay as much or as little as you like, which affects how much you’ll pay from month to month.

in a lease

No. However, you will need to make a “down payment”. This is usually an advance payment of 1, 3, 6 or 9 months. After that, you’ll pay a monthly lump sum, and just like a PCP, the higher the initial payment you choose, the lower your monthly payments.

Can you change your mind?

We have PCPs

PCP agreements are more flexible than their leasing counterparts, often allowing you to:

• Change your car if, for example, you need more seats for an upcoming addition to the family.

• Need to increase the number of miles per year

Depending on your contract and situation, these changes may incur a fee or may be free. When researching a PCP, always be sure to read the terms of their contract carefully. Keep in mind, however, that if you want to cancel your PCP, you will usually have to pay your contract in full.

in a lease

Leases offer much less flexibility if you want to make a change, such as swapping vehicles. Usually your only option is to cancel your agreement and pay the remaining payments. However, some leasing companies only charge a fee to cancel.

Is there any additional cost?

We have PCPs

Insurance is still required at a PCP, so keep that in mind. You will also need to consider the fact that VAT is added to the quoted PCP prices. Additionally, most PCP providers will offer maintenance packages, an additional monthly fee that will take care of any mechanical issues that may arise.

in a lease

Leases tend to be cheaper than PCP deals, largely because the finance company can reclaim VAT on your vehicles. As such, no VAT is payable on your part either. However, you will still need to insure your car, and just like a PCP, there will be an optional maintenance package if you want one.

Let’s say, for example, that we are walking down a street. And suddenly a big truck is coming towards us with no intention of stopping. Would you stand there and think, well, let’s see, maybe the driver hasn’t seen me yet? Do we calculate the distance between you and the truck so you can safely drive away from danger? Of course not, we don’t do that…

We experience an automatic reaction or alert emotion that causes our body to move automatically to prevent danger, without us having to do anything about it. We do not think about such situations. We simply act to avoid bad things, based on impulse.

How does that relate to time management?

Well, we have 4 or 5 main obstacles associated with fear. They are holding us back from the success we want, leading to poor time management and, as a result, not getting the job done.

Why would you do something like that to yourself?

Fear is designed to protect us from dangerous things. It is simply an emotion that keeps us alive. However, many times, it is triggered at very inappropriate times that prevent us from getting the results we want for ourselves. Poor time management leads to disaster down the road, having the inability to complete projects and tasks. If we don’t complete the tasks that are important to us to move things forward, there is no progress.

Here are the five obstacles associated with fear that are causing us to not manage our time management:

1) Fear of failure (make things perfect forever) – we don’t support the idea of ​​failure, and we make things perfect at the beginning, before launching a task, a project or an activity. It takes an enormous amount of time to do something simple. However, because we are afraid of failing, we do countless hours of research, adjustments that are not even necessary in the first place. This is a huge waste of time.

2) Fear of success (seeking approval) – this is often an internal conflict we face. We want to be successful, but somehow we are afraid of the new way of life or lifestyle. It’s not fair that we succeed while others suffer, so we seek approval and validation to succeed. This wastes a lot of time by not finishing your project and putting off important activities.

3) Fear of rejection (do not start, because others may not like it) – this is related to the fear of success. However, we proactively find reasons why we shouldn’t start yet. Many times it involves other people we like and trust, and we are faced with the dilemma between losing a couple of friends or having a successful business. No one is going to love us if we succeed.

Example: “If you want enemies, outdo others; if you want friends, let others outdo you” – Charles Caleb Colton

4) Fear of power (I’m not good enough): This is the opposite of empowerment and self-confidence. We don’t feel good enough to take the journey and be more successful. We often feel like we need more training or that we need more time to handle this. This causes us to procrastinate from a time management standpoint, causing us to spend countless hours learning new things, but actually avoiding taking any action. Learning without action is the cause of all failure.

5) Fear of responsibility (too much responsibility, too much work) – we like to be lazy and not get our hands too dirty, taking the fast road to success. We want to have systems in place or have someone else do the work for us, without taking responsibility for our own actions and mistakes. We often blame others for our own mistakes, pointing fingers, instead of finding the problems within ourselves. This alone is going to waste a lot of time going through countless conflicts and dramas. Time-wasting conflicts between you and your subordinates can completely destroy your business.

Hybrid electric vehicles are cars that use a combination of conventional powertrains and rechargeable energy storage systems (RESS). The purpose of combining these two different power sources is to achieve better fuel economy in hybrid electric vehicles compared to conventional cars and trucks. The batteries are then used only for support and limited propulsion needs, without any recharging due to the energy storage and renewal system.

Today, hybrid electric vehicles are produced on mass-use lines, especially as more and more manufacturers have joined the green line. The reasons many automakers jump on the green bandwagon are varied. Some producers are genuinely interested in preserving natural resources, while others show a form of interest in caring for the environment as a way to attract more customers. There are three main ways that today’s hybrid electric vehicles can reduce fuel consumption. First, they reduce the amount of power wasted during idle or low input (by turning off ICE); secondly, they collect residual energy (regenerative braking), and thirdly, they reduce the size and power of the ICE and the inefficiencies generated by underuse.

Modern mass-produced hybrid electric vehicles can extend their battery charges simply by harvesting kinetic energy through regenerative braking. Some hybrid electric vehicle designs rely on the use of an electric generator that is powered by the engine and allows the battery to be recharged. Much of the ability of existing hybrid electric vehicles is to reduce idle emissions by shutting down the internal combustion engine at idle and restarting it when necessary (this is a start-stop system). Despite the weight of hybrid electric vehicles, we must mention that their engines are actually smaller than those of regular gasoline cars. These motors can run at various speeds, which brings greater efficiency.

The manufacture of hybrid electric vehicles began in the late 1990s with the first ones coming from Honda (Honda Insight) and Toyota (Toyota Prius). Even since the early days of hybrid electric vehicles, they have become widely available to buyers. The future of hybrid electric vehicles is definitely positive, and so is foreseen by some automakers who see hybrid electric vehicles as a core segment of the automotive market of the future.

How to choose a bicycle light?

1) Brightness.

The brightness of a light is measured in lumens. To give a figure for comparison, a car light produces around 700 lumens. Bike lights can range from 15 to 1500 lumens or more depending on the light. So how do you choose the right light for your bike?

road cycling

If a bike is used solely for road cycling, then the light does not need to be as bright as a bike used for off-road cycling. Even so, when you’re driving down the road, you still need to be seen by all the traffic out there. There may also be sections of a road that are not lit by streetlights. All of these factors must be considered when selecting a bike light. For road biking, where you might just be commuting from home to work, you probably don’t need a front light that shines more than 200 lumens. If there are dark sections along the route, perhaps 400 lumens is needed. A taillight would need far fewer lumens as it is more about making sure traffic sees you rather than lighting your way.

off road cycling

For off-road biking, a much brighter light would be needed to be able to see what hazards are ahead. There probably isn’t any other form of lighting where you’re biking, and therefore the light you have should provide all the light for safe off-road travel. Here you want to consider a light with a minimum of 600 lumens, but it may be safer to go for 800 to 1000 lumens.

A compromised light might be one of the Lezyne lights which has a powerful “overdrive” feature that gives a very bright light for off-roading, but is a normal 200 to 600 for normal highway use. Such a light could be the Lezyne 600 LX Macro unit, which can produce anywhere from 15 to 600 lumens for normal use and 900 lumens for off-road use.

Other aspects to consider when buying a bicycle light

2) Side visibility.

Another factor when traveling on the road is lateral visibility. It is all very well to be highly visible to the front and rear, but at intersections you must be seen by traffic from the side.

Many bike lights have a “leakage” factor built in so that the light casts some light to the side of the light. It is even possible to buy lights specifically designed to illuminate the side of the bike.

Alternatively, you can rely on good bright reflective strips or lights that attach to the spokes of the bike to provide high side visibility.

3) Connection to your bike.

Another factor to consider is how easy or difficult it is to attach the light to a bike. Some lights have rigid mountings and some have very flexible ones. All of them will have to withstand some vibration from the roads or tracks where the motorcycle circulates. This is especially true in off-road driving. How easy or not would it be to plug in the light in the dark and cold, when you may be wearing gloves?

4) Battery charging time.

Depending on the light you get, you’ll also need to consider how long it takes to charge. If you use a bike for a regular commute, it can be easy to charge your bike light while you’re at work. Some lights can be charged in a couple of hours, but some take up to 5 hours to charge.

5) Download time.

A bike light is only as good as how long it’s on, so another factor to consider is how long the battery will last. It has to last as long as the trip you’re taking, or you’ll need to carry a spare light or battery depending on your light.

6) How strong/robust is the light built?

A bicycle light must be strong and robust. Even if it is just to go to work, it is quite possible that the bike will slide in cold and slippery weather and the light will hit the ground. It is also possible that it will fall off when turning a light on or off the bike.

7) Waterproof or waterproof construction.

A bike light will get wet whether it’s being used for commuting or riding off-road. Therefore, you need to consider how waterproof a light is.

conclusion

Ultimately, your choice of light is determined by what you’re going to use it for, but it’s good to get one or two lights that suit the particular use you need it for.

Buying a car requires a lot of advance planning. If, as a consumer, you are aware of your budget limitations, everything is going well and you find your dream car within your desired budget, there is no better feeling. But you don’t have to give up your car because of limited financing options. There are many options to explore. These are only some of them.

• A personal loan: A personal loan is the cheapest way to buy a car. However, this means having a good credit score. If this need is met, any bank or financial lender will be able to grant a loan. Make sure valuable assets are not secured with this loan. This is an unnecessary risk.

• Cash purchase: Cash purchase is what it sounds like. This is where you pay cash for the purchase. This could come from a personal checking or savings account. This could also be due to money received through a settlement or even from a retirement account. The advantage here, of course, would be no debt and no increase in interest. A cash purchase is generally the least expensive way to go.

• Personal contract purchase: In this agreement the buyer makes lower monthly payments. However, the total cost reimbursed at the end of the period will be greater than the original cost. Here, unlike taking out a car equity loan, you can borrow for the face value of the car at the time of purchase versus the face value at the end of the term.

• Buying with a credit card: Buying with a credit card is the safest way to buy a car. This is because it comes with more security. As long as the payments are met, there will be no problems here.

• Leasing: The last option is to rent the car. The manufacturer is paid a monthly cost for the car, including maintenance costs. A mileage usage ceiling is decided. At the end of the lease period, the car is returned to the dealer. Ownership remains with the manufacturer. This option only makes sense for short-term requirements.

It’s always good to discuss financing options with car dealers and your bank before you buy a car. Always weigh all options before coming to a decision. This way, you’ll be armed with the best options available to you based on your specific situation.

It’s bad enough that the federal government has the audacity to tax your family at 55 percent on the assets you leave them when you die (assets you’ve already paid income and capital gains taxes on during your lifetime). You would think that taking 80 percent of everything you have acquired would be enough. You would be wrong. Another tax, known as the gift tax, will tax you at a 45 percent rate on any asset transfers you make during your lifetime.

The gift tax excludes transfers between married couples, since the husband and wife can transfer as much as they want to each other. How generous of the federal government to allow you to transfer assets to a person with whom you probably already share ownership of the assets.

Each year, anyone can transfer $13,000 in cash or assets to anyone else without tax consequences. You can walk down the street and hand out $13,000 to every person you meet and you’ll be fine. However, every dollar you give to anyone over $13,000 will be taxed at 45 percent. If you want to buy a car for your teenager, and the car is valued at $20,000, you must complete a gift tax form and pay the federal government $3,150 in taxes for that year.

If you want to buy a house for your daughter as a wedding gift, and the house is valued at $150,000, you will need to pay a gift tax of $61,650. Even if you’re paying for the house monthly, through a mortgage, the federal government won’t wait. You will owe the full $61,650 on that year’s tax return.

By the way, an easy way to get around this particular event would be to buy the house as an investment property for yourself and rent it out to your daughter for $1,000 per month. So you could give him $1,000 a month in rent and avoid taxes even if the total gift would be only $12,000 a year.

There are three main exceptions to the gift tax rule. You can give as much money as you want to your spouse without any taxable event. A husband and wife can transfer billions of dollars between them and the government won’t care. This allows us to transfer assets for estate planning purposes. You can also donate as much money as you want to a legitimate IRS-recognized charity that has filed a Form 501(c)(3) and has been approved as such.

The third exception to the gift tax is that you may donate money or assets for legitimate educational expenses or legitimate medical expenses. Many seniors can successfully reduce their outstanding estate tax by providing their grandchildren with a college education through 529 plans or prepaid college programs.

The gift tax is a nasty tax in the sense that it imposes a penalty for being generous. There are many ways to limit the amount of gift tax you’ll be required to pay during your lifetime. Only a few of those ways were briefly mentioned in this article. For a complete rundown of all the ways you can limit the taxes you pay during your lifetime and after death, you should consult with a trained Florida estate planning attorney.

In recent years, innovative technologies have developed their potential in the field of product design and development by showing amazing results. By automating complex procedures, technologies such as artificial intelligence have already shown their relevance with the immense capabilities of streamlining the product development process. Getting great support from cloud computing, AI has become more accessible in terms of meeting various business requirements.

In fact, AI applications running on Amazon’s Alexa or Tesla’s self-driving cars have become so commonplace these days that people have already begun to come to terms with their impact on software development. To withstand technological variations, companies now aim to reap huge benefits from integrating AI into their business operations, such as stocks, marketing, finance, healthcare, or product development, etc.

Artificial intelligence has redefined the product design process by bringing computerized support to various product development tasks that previously relied on human expertise. It automated every human task to eradicate the chances of errors occurring. In fact, researchers have found that by 2050, AI will accomplish every intellectual task that a human performs in depth. Until now, the AI ​​has performed various tasks with precision. And it is probably for this reason that technology is always accused of taking jobs away from humans!

While it makes software design and development operations exceptionally easy, AI benefits humans in several ways:

• As a lifeguard, AI performs all the complex and dangerous tasks in industries, leading to more automation of security and longer lifespan of workers. Automate automotive safety by analyzing data and determining if a product is structurally sound.
• Cleverly reduces operating costs. The costs of skilled and expert labor required to design and develop a software product are significantly higher compared to automated machines. Additionally, reduced operating costs help companies develop more innovative products at affordable prices.
• The best product means more profit and AI can be of great help in this regard. First of all, with the automation of all complex tasks, it eliminates boring, mundane and repetitive tasks. Second, it analyzes data and produces high-quality products.

This technology has a great reputation for giving people a happy and fulfilling life, especially when it comes to designing a new software product. We are going to explore:

With product test automation:

In product engineering companies, you will always find a high demand for QA engineers and analysts. When it comes to product management, it is imperative to ensure that a product meets quality standards, which is evident from the fact that product testing only takes up 40-50% of the work before sending a product to the market. production. Imagine, 40-50% of a production manager’s working time is wasted on testing alone!

Let us also consider another side of the coin. If a QA engineer is busy testing products and takes more time, product production is likely to be derailed. On the contrary, the integration of AI can allow companies to automate the tests of this product and become productive in other aspects of business. Also, AI successfully performs thousands of user sessions to find existing bugs, which a QA or PM would not be able to do.

Rich user experience and design:

In fact, providing the best user experience is a crucial aspect of product development. A product is always designed with its end users in mind, and only if the product resonates with users could it be successful. It should be easy to use and fun to use. And so, to design a creative product, the design team is expected to consider its use, validate its ideas, analyze possibilities, and brainstorm designs with business goals in mind.

But, AI can simply provide relief to such a long process and can make a designer’s life much easier. With great potential for learning and data analysis, it helps determine people’s response to a certain product, which in turn helps designers to design creative products. By collecting behavioral data, teams can analyze common edge cases and ways to overcome those issues.

As a reward, artificial intelligence has the potential to reveal the chances of product design success in advance during the design phase. It submits to the proposed user flow and determines the user action, saving you from creating multiple iterations of the test. By running designs through simulation, companies can determine a better version of the product. In manufacturing industries, AI can save millions that would otherwise be wasted on research and product development.

Nigeria and Ghana are part of the African continent and in fact it is one of the best international trade hubs in the world offering active international shipping solutions for both individuals and import and export companies. International car shipping to Ghana and Nigeria is indeed a professional and well-organized activity that is carried out by professional freight forwarding and cargo companies. To ensure the safe transfer of your car or any vehicle to Ghana or Nigeria, it is very important to look at the real-time details of the international car shipping company. If you are not seriously looking into the details of the services offered by the international car shipping company, then in the end, you will have to bear the brunt and indeed it would be a great source of trouble.

Therefore, for all good reasons, you should give the international auto shipping company top priority and based on that, you will lead your way through a successful international shipping company. As always, shipping cars internationally to Ghana and Nigeria will require compliance with international shipping regulations. Following international car shipping rules would help transfer the car smoothly. In addition, you must also show your interest in port to port transfer, or door to port transfer or door to door transfer. The prices charged by the cargo and freight transport company will depend on the types of car transfer service that you intend to hire.

Shipping cars to Nigeria

Shipping cars to Nigeria would require the owner to show customs officials proof that the car is for the owner’s personal use and is not intended for any kind of resale or other disposal purposes. Please make sure that when you auto ship to Nigeria, your car is not 8 years old, as car models that are over 8 years old are prohibited from entering the international port of Nigeria. Some of the prominent documents that are required for shipping cars to Nigeria include proof of ownership, road clearance certificate, road clearance certificate, insurance documents, etc. It is also important that the car’s shipping document clearly states the make, model, and serial number of the car. It would be a great idea to discuss Nigeria car shipping protocols with your car shipping company and get reliable information about it.

Shipping cars to Ghana

Shipping cars to Ghana is also a complex activity that will require you to follow the details by hiring the international car shipping company. If you are shipping a car to Ghana, your car must not be more than 5 years old, and if it is more than 5 years old, you must pay a graduated fine depending on the year of manufacture. Ghana only allows left-hand drive cars. You must also show the original purchase invoice, in addition to the Customs Form C.12/SAD. It is the responsibility of the car owner to look into the rules of international car shipping to Ghana in detail. Don’t rush to ship your car to Ghana as this will get you in trouble.

A good website is one that achieves the goals of the website owner as well as the goals of the page user. The goal of an eCommerce website is for a user to add products to a shopping cart and then complete the purchase. The point of a construction company website is to get someone to call, email, or message about project opportunities. The point of a car dealership website is to get someone to call, email, or message about a car or truck on the list. In order for the goal of the website owner to be achieved, the website must have clear navigation and purpose, relevant and original content, good reliability/security features, responsiveness/fast website loading speed, and an attractive design. modern. The article will describe what makes a good website by discussing what a user needs in order to have a good user experience.

Sticking to the proven menu structure with the logo on the top left and the menu on the left side or in the middle of the page is generally the best option as the setup won’t confuse your user. The menu should generally have a ‘Start’ menu option on the far left of the page. Although it seems obvious, it is very important to keep the menu structure consistent across all pages and devices. It is also not recommended to have too many levels of links. To reach the goal of the website owner, the menu must be structured with a strong purpose of informing the user and guiding him towards the desired goal.

Although many website owners wish they could put a big “Buy” button on the first page of their website and make every visitor buy, providing valuable content to users to help them make well-informed decisions is the best option for both the user and the user. user as for the user. website owner. Creating unique, valuable and interesting content that is shared by users can turn a website into a valuable asset that constantly attracts new customers and is what makes a website great.

Good reliability/security features are also what makes a website great, as a user will want to make sure their credit card and other personal information is kept safe. For an e-commerce business, it is necessary to use HTTPS to safeguard purchases on the web. It is also important to provide a clear privacy statement detailing how a user’s information will be used and some platforms will not allow you to purchase advertising without it.

The next important part of what makes a good website is making sure your website is responsive. Responsive web design is an approach where websites display well on a variety of different devices and screen sizes. Some business owners who try to build their own websites or have one built cheaply end up with a site that doesn’t work well on different devices. Another problem can be the fast loading time of the website. Some companies have websites that take several seconds to load and can take even longer on a mobile device. Unless a website is running like sophisticated software, a modern website shouldn’t take several seconds to appear.

Looking for a good night’s sleep like many thousands of others? Lots of people are using the Marpac Sleep Mate to help them, and at the end of this article I’ll tell you where you can find the best deals.

Why do you need a Marpac Sleep Mate?

Most of us live in cities where we can easily be disturbed by a variety of different noises and sounds. Our neighbors may come in and slam their car doors at all hours of the night, or the constant roar of jet planes taking off may disturb us. Traffic noise can also contribute to a bad night’s sleep, or the next door neighbor’s dog barking at anything that moves during the night. If we live in a skyscraper, it could be the people upstairs dragging the furniture, or so it seems, and I’m sure you’ll have your own source of noise.

How can a sleep partner help you?

Obviously, unless we move to the countryside, or to a mountain somewhere, we will be bombarded with noise that has the potential to disturb our sleep patterns, making us feel tired and cranky, or more tired and cranky, depending on the situation. the case. ! The Marpac Sleep Mate, or any of the Marpac sound conditioners that were developed and patented over 45 years ago, are designed to surround you with natural sounds to help you calm down and relax.

Who are the products designed for?

Anyone can use these systems, and doctors often recommend them to their sleep-deprived patients. Parents use them for their children and themselves! while business professionals use them in their offices.

Which Marpac sleep partner?

There are quite a few different units to choose from depending on your needs and budget, and they are compact, although obviously the travel version is more compact than others. Units are made in the USA for those of you who care about environmental issues.