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toyota rush

noreply@blogger.com (Bin Patera) — Sun, 06 Feb 2011 14:05:00 +0000

NEW TOYOTA RUSH FACELIFT IN MALAYSIA

Price of Toyota New Rush Facelift:
Rush 1.5S (AT) RM96,264.00
Rush 1.5G (AT) RM90,464.00
Rush 1.5G (MT) RM87,464.00
Featuring more body colours and changes to the interior and exterior.
Fuel efficiency has also been improved while noise levels are lower as a result of better insulation.

Top 10 Tips For Achieving Financial Freedom...

noreply@blogger.com (Bin Patera) — Wed, 26 Jan 2011 15:06:00 +0000

Let's Planning your Financial For 2011.

We all want to get out of debt but it can seem like a long and hard road to financial freedom. In reality, it is not difficult as long as you follow a few steps and remain dedicated to the cause. This is a list of ten tips to help you find your financial freedom.

10. Face Facts
Before you go any further, you need to sit down and work out exactly what you owe, to whom you owe it, and what interest rate you are paying. This information will be very helpful with the rest of these tips. It is very easy to think of all of our debts as small payments each pay, but when you add them all up they can amount to a massive debt. This can be a very scary task but unfortunately it must be done. If you need to, get a friend or family member to sit down with you to help you go through old bank statements to make sure you miss nothing out. The good news is that once you have done this, the hard part is over. You have faced the debt and now it is time to kill it.

9. Stop Spending
Be satisfied with what you have. For the next few months you are not going to be able to spend money on treats. It is very important to be able to resist all of those wonderful things that we all want to have. If you are always wanting to buy new things, you are going to find it very hard to stick to the tips in this list and that can lead to failure and, even worse, more debt, unless you can start being satisfied with what you have. Chances are, shopping is what got you in to this predicament in the first place, so nip it in the bud now. You absolutely must stop acquiring new debt.

8. Increase Your Income
While this is not always possible, you should certainly try to increase your income (even if by only a small amount). The more money you have to put on debt, the faster you will eradicate it. You can take a part time job at a supermarket, at a fast food restaurant, or even just offering to do odd jobs around the neighborhood. There are a huge variety of part time jobs available in all manner of areas.

7. Pay Yourself
It is very important that you give yourself enough money to spend each pay cycle. If you try to skimp in this area, you will break your budget and undo all of the good work you have achieved. This is not to say that you should not be trying to reduce expenses, which is also very important. When working out your “play” money, be sure to include everything you might normally spend money on. If you leave something off you can put the whole budget out of whack.

6. Stop Saving
Until you are out of debt, stop saving. In fact, if you have savings put aside, you should immediately transfer the full amount on to your debts. Your savings account will be making you far less interest than the money you will save by reducing debt at high interest. Here is a very basic example:
Savings @ 5% : $10,000 (Total interest earned in one year: $500)
Credit Card @ 21% : $10,000 (total cost of debt for one year: $2,100)
By putting your $10,000 on to your debt, you are saving $2,100 in interest charges at the expense of $500. It would be utterly foolish to leave your money in the savings account.

5. Consolidation Loans
Unless you have managed to get so deeply into debt that you can’t make minimum payments on all of your loans and cards, you should definitely not get a consolidation loan. If you are in such a bad state that you simply can’t afford your debts, a consolidation loan may be the only choice you have short of bankruptcy. Make sure you shop around and get the lowest rate possible. You should also try to keep the term down as it will become a part of your debt budget (item 1) and you want to clear your debts as soon as possible.

4. Reduce Expenses
Frugal living can be very rewarding. Not only do you save money, but you learn a lot about survival and taking care of yourself. There are some very simple ways you can reduce expenses. For example, perhaps you go out on the town twice a week – reduce it to one night and have the other night in – you can still enjoy yourself but you won’t be paying bar prices for liquor. If you always buy brand goods at the market, start buying generic – you can save a lot of money doing this. You should also consider buying in bulk as bulk buying is almost always cheaper. Keep your eyes out for good deals and coupons. While this may seem like a difficult step, you will eventually find that you prefer to live like this because of the many rewards that come from exercising your brain in seeking out ways to reduce spending. A very beneficial side-effect to this (which I have personally experienced) is that you can dramatically reduce the amount of trash you produce by buying only what you need and buying in bulk. This can be looked at like a game. When I was following this plan, I found myself trying every week to reduce the amount of money I was spending. The less I spent, the better I lived (as a result of home cooking and pride in my efforts). Do not buy pre-packaged or prepared meals – you are paying a lot of money for nothing. You should also be aware that certain meats, like chicken, can go up in price dramatically when you buy skinned and boneless. It does not take much time to do this yourself.

3. Credit Cards
Credit cards can be as good a tool to get out of debt as they were to get you into debt in the first place. If you have a credit card with a low interest rate that is not maxed out, consider moving a higher interest debt (or as much of it as you can) to the card. The interest savings may seem low, but every penny counts.
If you have maxed your cards out, the first thing you need to do is cut them up. You will not be using credit cards on this plan (and if you absolutely need one for important internet purchases, get a pre-paid credit card).

2. Budget
First of all, this budget will include all of your income and all of your expenses, but, it will not include any of your debts – they will go on your special debt budget (see item 1). In this budget you should list your total income, your total outgoings, and your total surplus. As a part of this budget you should also include your required spending money (item 7). It is imperative that you stick to this budget – it is your lifeline. If you are not honest when creating it, you will find the whole thing collapses within one or two pay cycles. Include every expense.

1. Make a Debt Budget
This is different from your regular budget. Your regular budget will tell you how much money you have left after all other expenses have been paid, the debt budget will tell you what you owe and how much to pay on each debt.
Transfer the total surplus from your budget to the debt budget. This is the most important money you have – it is the money that will give you financial freedom.
Next you need to itemize all of your debts in order of highest interest paid to lowest interest paid. Pay the minimum amount required on all but the highest interest debt – this is the only time you should be paying minimum payments. Keep doing this until you remove the high interest debt entirely. Once this is done, put 100% of the money you were spending on that debt to the debt with the next highest interest; keep doing this until you have paid all of your debts off. This creates a snowball effect and you will be amazed at how quickly your debt is reduced. It is one of the best motivators for people working on debt reduction. You should remember to do this in conjunction with item 3 (transfer highest interest debts to lowest interest debts where possible).
Once you have paid all of your debts off, start putting the full amount of your debt payment money into savings and investments. You were already living without the money – why not keep doing so and save it for something special.

Intel’s 2011 leaked roadmap unveils 19 new processors

noreply@blogger.com (Bin Patera) — Wed, 26 Jan 2011 14:41:00 +0000

Intel’s Sandy Bridge processor and SSD roadmaps for 2011 have been leaked giving us a clear view of what to expect from the chip giant next year.

In total there are 19 new processors to look forward to for both desktop and laptop users. The chart shows the full line-up:

As you can see, there is a new range of 3.4GHz/2.8GHz Quad Core i7s with a 3.8GHz Turbo and 95W/65W TDP. Compare that to the current top quad core chips which include the Core i7 960 at 3.2GHz and 130W TDP, or the very expensive Core i7 980X at 3.33GHz with the same 130W TDP.
Those looking for a low power dual core option will be treated to a i3, i5 and even a Core i7 option running at just 35W TDP.

The SSD updates are shown in the roadmap image below:

The good news is Intel will be updating both the X-25M and X25-E 2.5″ drive offerings. The performance X-25E will have capacities up to 400GB, while the mainstream X-25M will increase to 600GB drives and no doubt comes with a large premium for that extra storage. The X-25V, meant as a value boot drive or netbook solution, will have 80GB and 40GB models become available in the first quarter.

For the smaller X18-M, we are going to see a new 160GB and 300GB model introduced. Finally, there’s a new mSATA PCIe SSD being introduced under the code name Soda Creek with 40GB and 80GB options.

Great Choice cars for 2011

noreply@blogger.com (Bin Patera) — Wed, 26 Jan 2011 14:32:00 +0000

One of the most anticipated cars for 2011 is the Ford Fiesta, which has been on sale in Europe since 2008. Now North America is finally getting a version of this popular small car – and early test drives show it doesn't disappoint. In fact, at press time, the Fiesta is already ranked at the top of our Affordable Small Car class and gets our highest Overall score ever (9.6 out of 10).

So why is it so well-liked? Because it offers things many other small cars don’t, such as a fun driving experience and a comfortable, upscale cabin. The Fiesta has features rarely seen in its class -- from available heated seats to Ford's SYNC system to a driver’s knee airbag. On top of that, it manages to get hybrid-like fuel economy (but doesn’t cost nearly as much as most hybrids). Ford estimates the Fiesta will get 30 miles per gallon in the city and 40 miles per gallon on the highway.

New Technology 2011 – The Motorola Xoom

noreply@blogger.com (Bin Patera) — Wed, 26 Jan 2011 14:16:00 +0000

One of the new technologies in 2011 is the Xoom. This new Mobile tablet is on set for release in the coming weeks. Lets find out what it's all about.If you were looking for the next big thing in the Tablets market, Motorola Xoom is here and it’s awesome and different. The Motorola Xoom is set to launch on February 17, 2011 at a price of $699.99. It is believed to be the best innovation since the iPad. The Mobile Tablet market has remained firmly in the hands of Apple and their iPad but the new Xoom is already causing ripples in the PC sector. Xoom will be the first machine to run on the Android 3.0 Honeycomb platform, aka “Honeycomb”. It has a 10.1 inches display that offers 1280x 800pixels of resolution; it measures 249.0x167.8x12.9mm in dimensions and offers net connectivity of EVDO and Wi-Fi. It also has Bluetooth for data transfer and uses Nvidia CPU and an Nvidia Tegra GPU.

Motorola Xoom offers 3G Wireless

Xoom is equipped to offer 3G wireless with the ability to upgrade to a 4G network. It will also be the first tablet to run a dual core processor with each core running 1GHz delivering a maximum of two GHz of processing power. It is thin, light and easy to hold and is portable with all capabilities and features.

Motorola Xoom comes with Fast Surf Technology

The Xoom features the latest Google Mobile innovations such as Google maps 5.0 with 3D interaction, google ebooks reader, Google talk. Gamers can experience fast speeds and best crisp graphics thanks to its internal accelerometers.

Fire Insurance Policy

noreply@blogger.com (Bin Patera) — Wed, 26 Jan 2011 09:54:00 +0000

A fire insurance policy means an insurance company agrees to pay a certain amount equal to the estimated loss from the fire caused by the insured, within the time specified in the contract. Compensation is subject to change depending on the policy. Should be confirmed with the insurance company about the types of risks covered, and you can not insure the property against all risks of fire.

What is the scope of coverage of a fire insurance policy?

Fire insurance provides protection for the estimated value of the physical house. However, there are a number of exclusions to it, for example, medical bills, loss of life and domestic animals, loss of personal property, structures outside the property (including garages and pergolas), damage to landscape and accommodation costs of the time. These things can be covered with a package of extended property insurance.

What are the main types of fire insurance policies?

Specific policy: The insurer is required to pay a fixed amount below the actual value of the property. In this policy, the real value of the property is not considered in determining compensation. The average clause, which requires the insured to bear the loss, to some extent, does not play an important role in this policy. If the insurer has inserted the clause, the policy is known as a policy on average.

Comprehensive policy: This all-in-a compensation policy for loss by fire, theft, robbery and third-party risks. The policyholder can also receive payment for loss of profits caused by the fire until the business closed.

With values of the policy: This policy is a departure from the standard contract compensation. The amount of compensation is fixed and the real loss is not taken into account.

Floating Policy: This policy is subject to the “average clause”. The extension of coverage extends to the different properties that belong to the policyholder under the same contract and the premium. The policy also may provide protection to assets held in two different shops.

The replacement or restoration policy: This policy is subject to reinstatement clause, which requires the insurance company to pay to replace damaged property. So, instead of giving cash, the insurer may restore the property as an alternative.

Why do you need fire insurance?

Fire insurance is important because a disaster can strike at any time. There may be many factors behind a fire, e.g. fire, natural elements, faulty wiring, etc. Some data that highlight the importance of fire insurance include:

Fire contributes to the maximum number of deaths in the United States due to natural disasters.
Eight out of ten fire deaths occur at home.
A home fire occurs after every 77 seconds.
The main reason for a residential fire is cooking unattended.

Older, Obese Adults Need To Walk, Lose Weight

noreply@blogger.com (Bin Patera) — Wed, 26 Jan 2011 09:52:00 +0000

Walking more and losing weight can improve mobility as much as 20 percent in older, obese adults with poor cardiovascular health, according to a new Wake Forest University study.

The results from the five-year study of 288 participants appear online Jan. 24 in the Archives of Internal Medicine.

The combination of weight loss and physical activity is what works best. These findings run counter to the commonly held belief that it is unhealthy for older adults to lose weight.

"To improve mobility, physical activity has to be coupled with weight loss," said Jack Rejeski, Thurman D. Kitchin Professor of Health and Exercise Science. "This is one of the first large studies to show that weight loss improves the functional health of older people with cardiovascular disease."

The study addresses what to do to help seniors with poor mobility, but it also proves existing community agencies can be used effectively to get seniors the help they need.

"With 60 percent of adults over age 65 walking less than one mile per week and a rapidly growing population of older adults, the need for cost-effective community-based intervention programs to improve the mobility of seniors is critical," said Rejeski, principal investigator for the Cooperative Lifestyle Intervention Program (CLIP). Key co-investigators included Dr. David C. Goff and Walter T. Ambrosius from Wake Forest University School of Medicine, Peter Brubaker, professor of health and exercise science at Wake Forest, Lucille Bearon and Jacquelyn McClelland from North Carolina State University, and Michael Perri from the University of Florida.

"Community-based preventative programs are extremely important," Rejeski said.

The researchers partnered with the North Carolina Cooperative Extension and trained health care professionals at centers in three counties (Davidson, Forsyth and Guilford) to lead the programs along with an intervention team from Wake Forest. The participants, ranging in age from 60 to 79, were tracked over an 18-month period. The study divided participants into three groups: a control group who received education on successful aging, a physical activity only group, and a physical activity and weight loss group.

The physical activity group did well, but the most dramatic effect was found in the participants who combined an increase in physical activity with weight loss.

On average, they improved their mobility by 5 percent as measured by the time it took them to walk 400 meters. Those with the most limited mobility improved by as much as 20 percent.

The 400-meter walk is a widely used measure of mobility disability in older adults because for those who cannot walk this distance the likelihood of losing their independence increases dramatically.

Rejeski uses this analogy for the loss of mobility in seniors who often don't realize its seriousness. "It is like being in a canoe paddling down a river and being completely unaware that a waterfall is only a short distance away. Once your canoe starts down the waterfall of disability, the consequences are severe."

The waterfall is the cascade of adverse outcomes including hospitalizations, worsening disability, institutionalization, and death that are more likely when seniors lose the basic ability to get around. Seniors with limited mobility require significantly more high-cost medical care.

"Clearly the ability to walk without assistance is a critical factor in an older person's capacity to function independently in the community," he said. "The next step is to develop a model that can be replicated at similar sites across the state and the country and we look forward to working with our colleagues from North Carolina to achieve this goal."

Source:
Cheryl V. Walker
Wake Forest University