Do you know if you should lease or buy? | Business Car Manager ...

Work out your discounted cash flow and the value of money - and find out whether it's better to lease or buy your company car

Blog: RALPH MORTON

IT?S an old conundrum ? which is most financially advantageous?

While I know this is critical for the financial directors of SME firms, I often think it?s as much to do with the managing director?s attitude: do you prefer usership or ownership?

From the small business owners I?ve spoken to recently, the idea of just using a car for a period of time and money is really catching on. Partly it?s a cash flow thing ? keeping finances fluid and flexible.

However, one man who likes to crunch the figures ? seemingly for fun (escapes me, maths was never one of my favourite bedfellows!) ? is Colin Tourick.

Which is just as well. We need experts. And Colin is a company car tax expert and knows how to wring an excel spreadsheet to within an inch of its life.

Colin, who as well as an excel spreadsheet is a dab-hand on word, too, has just published a brand new book entitled Do The Maths.

The book takes you step by step through asset finance, covering discounted cash flow (DCF) analysis and demonstrating how you can create spreadsheets to calculate finance instalment and interest rates.

In other words, is it better for you to buy or lease?

As well as this, Do The Maths includes descriptions of the main ?Purchase-type? finance agreements (outright purchase, hire purchase, conditional sale and credit sale), business car leases (contract hire, ?open-book?, sale and lease back, finance lease) and other asset finance products (contract purchase, loans, bank overdrafts, ECO, schemes and salary sacrifice schemes).

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Tags: Colin Tourick, discounted cash flow, Do the Maths, lease or buy

Category: Blog, Business Car Leasing, News

Source: http://www.businesscarmanager.co.uk/do-you-know-whether-you-should-lease-or-buy/

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Wii U plys $200 Game Stop Gift Card Giveaway - Happy Home and ...

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Prizes: Wii U & $200 Game Stop Gift Card

If the winner is outside the USA they will receive the cash value in their choice of Paypal cash or Amazon Gift card NO EXCEPTIONS!

The event dates: 11/22 12:01 am ? 12/10 12:59 pm EST

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The new controller incorporates a 6.2-inch, 16:9 touch screen and traditional button controls, including two analog Circle Pads. This combination removes the traditional barriers between games, players and the TV by creating a second window into the video game world. The rechargeable controller includes a Power button, Home button, +Control Pad, A/B/X/Y buttons, L/R buttons and ZL/ZR buttons. It includes a built-in accelerometer and gyroscope, rumble feature, camera, a microphone, stereo speakers, a sensor strip and a stylus.

Game Stop Gift Card where you can purchase all your Wii u games!

Once lucky person will win it all. For your chance simply enter via the Rafflecoper below. GOOD LUCK!

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Happy Thanksgiving everyone!!

Source: http://happyhomeandfamily.com/wii-u-plys-200-game-stop-gift-card-giveaway/

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Undisturbed excitation with pulsed light

ScienceDaily (Nov. 22, 2012) ? The best method to obtain the most precise information on the inner structure of atoms and molecules is to excite them by means of resonant laser light. Unfortunately, just this laser light (above a certain intensity) can lead to measurable modifications within the atom's electron shell. Scientists of the Physikalisch-Technische Bundesanstalt (PTB) have now shown experimentally how to prevent such "light shifts." This confirms the advantages of "hyper" Ramsey excitation that had already been predicted theoretically.

This method can make their optical ytterbium atomic clocks even more accurate. Furthermore, "hyper" Ramsey excitation can be helpful in numerous applications where the focus lies on a precise, controlled interaction between atoms and laser light. The results have been published in the current issue of the scientific journal Physical Review Letters.

"Light shift" means that intense laser light modifies the position of the atomic energy levels; the shift depends on the intensity and the wavelength of the laser used. If one is seeking the properties of the atom as an undisturbed quantum object, this shift must be either prevented or corrected. With the new procedure, which has been applied experimentally for the first time at PTB, a sequence of judiciously selected laser pulses used to excite the atom eliminates the disturbing light shift effect.

The basic idea of using pulsed radiation to perform precise measurements goes back to Norman Ramsey, who was awarded the Nobel Prize in physics in 1989 for this finding. With this method, a first laser pulse is shot at the atom, where it starts a resonant excitation. Then the pulsation excited in the electron shell of the atom continues undisturbed "in the dark" until eventually a second laser pulse completes the comparison between the resonance frequency of the atom and the laser frequency. A similar approach is also usual in clock comparisons: two clocks are set to the same time, they are then left to run on and are eventually compared again. The result shows which clock was faster or slower than the other.

The signal of the Ramsey excitation contains, due to the dark phase between the laser pulses, an averaging over the positions of the states of the atom with and without a light shift. In principle, it would be possible to compensate for the light shift by modifying the laser frequency by exactly this quantity (exclusively) during the pulses. This, however, would not bring great improvement from a practical point of view as the precise information concerning the disturbance of the atom should be known to begin with. In 2010, a group of scientists (also with PTB's participation) suggested a method they called "hyper" Ramsey excitation in order to solve this problem. This theoretical consideration has now been confirmed experimentally for the first time. In the case of "hyper" Ramsey excitation, a third laser pulse of the same intensity and the same frequency, but with an inverted phase, is inserted into the dark phase. This third laser pulse automatically compensates for possible errors which could occur due to misjudgment as regards the size of the light shift and due to small variations in the laser intensity during the light pulses.

Realizing "hyper" Ramsey excitation experimentally succeeded in an atomic transition which allows very slight frequency variations to be detected and, at the same time, exhibits a large light shift, since a high laser intensity is necessary for its excitation. It is an electrical octupole transition in the Yb⁺ ion which is being investigated as a basis for an optical clock. The experiment confirmed the theoretical predictions concerning the advantages of "hyper" Ramsey excitation and attained a 10,000-fold suppression of the light shift. This opens up the possibility for the optical Yb⁺ clock to achieve even greater accuracy. This method could also be interesting for other researchers trying to obtain a precisely controlled interaction between atoms and laser light, for instance in the field of quantum information processing.

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The above story is reprinted from materials provided by Physikalisch-Technische Bundesanstalt (PTB).

Note: Materials may be edited for content and length. For further information, please contact the source cited above.

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Journal Reference:

1. N. Huntemann, B. Lipphardt, M. Okhapkin, Chr. Tamm, E. Peik, A. Taichenachev, V. Yudin. Generalized Ramsey Excitation Scheme with Suppressed Light Shift. Physical Review Letters, 2012; 109 (21) DOI: 10.1103/PhysRevLett.109.213002

Note: If no author is given, the source is cited instead.

Disclaimer: Views expressed in this article do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/most_popular/~3/UCKqlBUheI4/121122095413.htm

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Video: Tips to protect your passwords from hackers

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Source: http://video.today.msnbc.msn.com/today/49928996/

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Obama urges restraint in tense Asian disputes

PHNOM PENH (Reuters) - President Barack Obama urged Asian leaders on Tuesday to rein in tensions in the South China Sea and other disputed territory, but stopped short of firmly backing allies Japan, the Philippines and Vietnam in their disputes with China.

The comments illustrate the challenge facing newly re-elected Obama in managing Sino-U.S. ties that have become more fraught across a range of issues, including trade, commercial espionage and the territorial disputes between Beijing and Washington's Asian allies.

"President Obama's message is there needs to be a reduction of the tensions," Deputy National Security Adviser Ben Rhodes said after the East Asia Summit in the Cambodian capital Phnom Penh. "There is no reason to risk any potential escalation, particularly when you have two of the world's largest economies - China and Japan - associated with some of those disputes."

The comments appeared carefully calibrated not to offend either side.

They follow a three-day trip by Obama to three strategically important Southeast Asian countries: old U.S. ally Thailand, new friend Myanmar and China ally Cambodia, in a visit that underlines Washington's expanding military and economic interests in Asia under last year's so-called "pivot" from conflicts in the Middle East and Afghanistan.

Obama's attention was divided as he tried to stay on top of the unfolding crisis in Gaza. He dispatched Secretary of State Hillary Clinton from the summit to the Middle East for a round of troubleshooting talks in Israel, the West Bank and Egypt.

A decades-old territorial squabble over the South China Sea is entering a new and more contentious chapter, as claimant nations search deeper into disputed waters for energy supplies while building up their navies and military alliances with other nations, particularly with the United States.

Beijing claims almost the entire sea as its territory based on historical records, setting it directly against U.S. allies Vietnam and the Philippines, while Brunei, Taiwan and Malaysia also lay claim to parts.

PHILIPPINE PROTEST

The Philippines lodged a formal protest on Tuesday against summit host Cambodia, accusing the Chinese ally of trying to stifle discussions on the South China Sea when leaders of the Association of Southeast Asian Nations (ASEAN) met on Monday.

On Tuesday, China defended its stand to not discuss the South China Sea issue at multilateral forums. Beijing prefers to deal with other claimants on a bilateral basis.

"We do not want to bring the disputes to an occasion like this," Chinese Premier Wen Jiabao told the summit, according to Chinese Deputy Foreign Minister Fu Ying.

"We do not want to give over emphasis to the territorial disputes and differences, and we don't think it's a good idea to spread a sense of tension in this region," Wen added.

Several leaders at the summit raised the South China Sea issue, including a dispute over Scarborough Shoal, where Philippine and Chinese ships faced off in April. That prompted a firm response from China, Fu told reporters.

"Huangyan Island (Scarborough Shoal) is China's territory," Fu quoted Wen as telling the summit. "China's act of defending its sovereignty is necessary and legitimate."

The South China Sea failed to earn a single mention in an 11-page concluding summit statement read by Cambodian Prime Minister Hun Sen, a victory for China, which has sought to keep it off the formal agenda.

Hun Sen lived up to his authoritarian image, taking no questions in a 29-minute news conference. He said he was too tired.

Earlier, in his first meeting with a Chinese leader since his re-election, Obama said Washington and its chief economic rival must work together to "establish clear rules of the road" for trade and investment. But he stopped short of accusing China of violating those rules, a hot topic in his re-election campaign.

"I'm committed to working with China and I'm committed to working with Asia," Obama told Wen in a bilateral meeting. Wen highlighted "the differences and disagreements between us" but said these could be resolved through trade and investment.

Japanese Prime Minister Yoshihiko Noda said mounting Asian security problems raise the importance of the U.S.-Japan alliance, a veiled reference to tensions over Chinese sovereignty claims and maritime disputes.

"With the increasing severity of the security environment in East Asia, the importance of the Japan-U.S. alliance is increasing," Noda told Obama.

STRAINED TIES

Sino-Japanese relations are also under strain after the Japanese government bought disputed islands known as Senkaku in Japan and Diaoyu in China from a private Japanese owner in September, triggering violent protests and calls for boycotts of Japanese products across China.

China says both disputes involve sea lanes vital for its economy and prefers to address conflicts in one-on-one talks.

Hun Sen said on Sunday Southeast Asian leaders agreed not to internationalize the row over the South China Sea and to confine talks to between ASEAN and China -- a claim disputed by Philippine President Benigno Aquino.

A stern-faced Philippine Foreign Minister Albert del Rosario said his delegation had been shocked when a Cambodian official told a news conference that ASEAN leaders had reached a consensus at their summit on Sunday.

"Consensus means everybody. I was there, the president (Aquino) was there and we're saying we're not with it because there's no consensus," del Rosario told reporters. "How can they say there's consensus when we're saying there's no consensus?"

It was the second time in five months Cambodia was accused of bowing to Chinese pressure and thwarting regional debate on the issue. A July ASEAN foreign ministers meeting, also in Phnom Penh, broke down in acrimony and failed to agree on a communique for the first time, just weeks after the standoff between a Philippine warship and Chinese vessels.

(Additional reporting by Matt Spetalnick, Stuart Grudgings, Prak Chan Thul and Manuel Mogato. Writing by Jason Szep.; Editing by Ron Popeski)

Source: http://news.yahoo.com/asia-tensions-loom-obama-meets-japan-china-leaders-054612574.html

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Hemsley remembered by friends, family at funeral

EL PASO, Texas (AP) ? Friends and family remembered actor Sherman Hemsley at his funeral Wednesday in West Texas by showing video clips of him as George Jefferson, the TV role that was his best known.

About 150 people attended the service at Cielo Vista Church in El Paso. Hemsley, 74, died of lung cancer on July 24, but a fight over his estate delayed his burial.

Mourners couldn't help but laugh as they watched the clips of Hemsley playing the feisty, bigoted owner of a chain of dry-cleaning businesses on "The Jeffersons."

"He helped us to laugh, gave us an opportunity to forget the troubles, the stresses of life," El Paso Police Department chaplain Sam Faraone said during Hemsley's eulogy.

Hemsley, an Air Force veteran, was buried at the Fort Bliss National Cemetery.

"The best way I can describe it is by how we released a dove" at the burial, longtime friend Flora Enchinton Bernal said after the Fort Bliss ceremony. "Just set him free, let him be. Let him explore the universe, be one with the universe."

She was named as Hemsley's heir in his will, but the late actor's half-brother from Philadelphia, Richard Thornton, challenged it. An El Paso judge ruled the will valid earlier this month.

Sherman Alexander Hemsley was the son of a printing press-working father and a factory-working mother. He served four years in the Air Force and worked for eight years as a clerk for the U.S. Postal Service.

Having studied acting as an adolescent at the Philadelphia Academy of Dramatic Arts, he began acting in New York workshops and theater companies, including the Negro Ensemble Company. For years, he kept his job at the post office while acting at night, before transitioning to acting full time.

He made his Broadway debut in 1970's "Purlie," a musical adaptation of Ossie Davis' Jim Crow-era play "Purlie Victorious." (Hemsley would later star in a 1981 made-for-TV version of "Purlie" as well.) It was while touring the show that Hemsley was approached by television show producer Norman Lear about playing a character on the sitcom that would become "All in the Family."

Hemsley joined that show in 1973, immediately catapulting himself from an obscure theater actor to a hit character on the enormously popular show. Two years later, his George Jefferson character from "All in the Family" became the lead on the spin-off "The Jeffersons."

The Jefferson character was devised, Hemsley said, as "pompous and feisty."

"All of it was really hard ... because ? rude, I don't like to be that way," Hemsley said in a 2003 interview for the Archive of American Television. "But it was the character, I had to do it. I had to be true to the character. If I was to pull back something, then it just wouldn't work."

Robert Almonte, the U.S. Marshal for the Western District of Texas who also was a friend of Hemsley, said the actor was "a down-to-earth man" and "didn't like to be seen as George Jefferson." He said Hemsley was completely different from that character.

"That's how great an actor he was," Almonte said.

After "The Jeffersons" was canceled, Hemsley starred as fiery Philadelphia church deacon Ernest Frye in the sitcom "Amen" from 1986 to 1991.

He frequently turned up as a guest on sitcoms including "Family Matters" and "The Hughleys." He even landed a voice role in "Family Guy."

Hemsley twice reprised the George Jefferson role ? on "The Fresh Prince of Bel-Air" and last year on "House of Payne."

In the later years of his life, he moved to El Paso and made it his home. Almonte said he once asked Hemsley about his family in Philadelphia and the actor said: "I'm from Philly, but El Paso is my home now and Flora is my family."

Enchinton Bernal said after four months of fighting to have her beloved friend Hemsley buried, she is looking forward to having a peaceful Thanksgiving. She said she will "set a plate on Sherman's position, where he used to sit."

Source: http://news.yahoo.com/hemsley-remembered-friends-family-funeral-212624148.html

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Volunteers build a house for a 7-year-old's family as she copes with ...

Sue Kiesewetter reports:

Tuesday marked a new beginning for 7-year-old Yosselin Villatoro and her family.

That?s because Yosselin, her 6-year-old brother, Freddy, and grandparents, Tammy and Keith Randall, moved into a new house built for the family by volunteers.

Before they could move in, they were greeted Tuesday evening by 30 to 40 community members, who wanted to reveal the home they built for the family.

?It was unreal. Totally unreal,? Tammy Randall said. ?You always hear about all the bad. This is a good thing. People came together for strangers, for a cause, for a 7-year-old child battling cancer, and it is just wonderful.?

No longer will they worry that mold or walls separating from the floor in their old, flood-damaged home would compromise Yosselin?s delicate immune system damaged by months of chemotherapy.

There are no uneven floors or too-narrow hallways to hamper her movement with her walker or wheelchair as she gradually builds up her strength to walk unaided.

?It?s wonderful,? said her grandmother, who has custody of Yosselin and Freddy. ?I thank God. He gave me all the answers and these wonderful people that have helped us.?

Keith Randall, kisses his granddaughter, Yosselin Villatoro, 7, after seeing the inside of the their new home for the first time in Liberty Township. The family?s home old home was torn down and rebuilt after after a group of friends from Vineyard Community Church in Springdale learned of Yosselin?s diagnosis of osteosarcoma. A New Chance Foundation and and High Pointe Custom Homes tore down the old flood-damaged home and built a new one on the same land. Yosselin, is now in remission of the bone cancer that started in the femur of her left leg and spread to her lungs. Photo shot by Cara Owsley on Tuesday Nov. 20, 2012.

The family?s life changed dramatically nearly one year ago when doctors told the Randalls that Yosselin had osteosarcoma, an aggressive bone cancer that started in the femur of her left leg and spread to her lungs.

Since that December 2011 diagnosis just before Christmas, Yosselin has undergone four surgeries ? including one to remove eight inches of her femur, replacing it with an expandable metal rod ? to remove the cancer.

She has been hospitalized dozens of times for chemotherapy treatments, infections and transfusions.

Through it all, a group of dedicated volunteers joined the family on their journey, expanding the circle of help as needed.

?And all these strangers came together and created all of this for a 7-year-old little girl,? Tammy Randall said. ?Who does that anymore? It needs to be out there, it really does.?

It all began with a phone call offering help and support from Kristan Dooley, the mother of one of Yosselin?s classmates at Cherokee Elementary School who was concerned about Yosselin after she had missed several days.

?It started out that we?ll pray for you, get meals and buy gas cards,?? said volunteer Angie Roehm. ?We started by redoing Yosselin?s room ? a few families, our parents and close friends.?

From there, the group thought about redoing three or four parts of the house but soon discovered that wouldn?t be an option because of the extent of the damage.

Money the Randalls had put aside for the repair work ? which had begun before Yosselin?s diagnosis ? was diverted to mounting medical bills. Repairs were halted ? until the volunteers stepped in.

?At every step that we took toward what we felt was the right thing to do ? what we felt God was calling us to do ? our circle of volunteers from the community grew,? Roehm said.

?We started out with doing a few core things to make the house more livable, but we knew we needed to do more.?

Eventually that core group of about 10 partnered with A New Chance Foundation and Lebanon-based High Pointe Custom Homes to tear down the old house and construct the new, 2,100-square-foot brick and stone ranch home .

Dooley estimates 300 to 400 volunteers helped build the home.

?I woke up today at 3 o?clock this morning and I felt like it was Christmas,? Dooley said. ?This is the moment we have been waiting for ? for the past 10 months. The realization that this is all happening and all these pieces are being put together just gives me butterflies.?

Once construction began, the family wasn?t allowed in the house ? until it was unveiled.

Besides building the house, the group provided new appliances, filled the cabinets with plates, cups and silverware. They put new towels in the bathrooms, sheets and comforters on new beds, a couch in the great room, along with table and chairs in the kitchen and canisters on the counter.

Things are so much better now, Tammy says, pointing to Yosselin, who can stand unaided on both legs for short periods of time. That?s something she couldn?t do just two months ago.

?She?s touched a lot of lives,? Randall said, her eyes tearing up. ?She?s brought everyone together.?

Yosselin?s immune system is improving and a slight rise in her temperature no longer sends the family to the emergency room. She is now receiving therapy twice a week to strengthen her leg muscles. She is allowed to put 50 percent weight on her leg and put both feet on the ground for short periods.

Yosselin received her last chemotherapy treatment Sept. 6 and only has to schedule appointments with her oncologist quarterly.

?Looking at her today ? it was worth it,?? Randall said. ?Thank you, God, for everything.?

After next month?s doctor visit, the Randalls expect to hear four magic words: Yosselin is in remission.

Until then, she continues her therapy. She is coping with some memory loss from the chemotherapy treatments and her family is working to reduce Yosselin?s panic attacks.

After Christmas, she should be able to start second grade at Cherokee.

?We still have to be careful, but things are good,? Randall says. ?We?re not done yet, but we?re in a better place.?

Enquirer reporter Adam Kiefaber contributed

Posted in: News, Schools |

Tags: Tags: Cincinnati Children's Hospital Medical Center, Lakota, Lakota Local Schools, Lakota West, Lakota West High School, Lakota West High School web design, Lakota West web design, Wyandot Early Childhood School, Wyandot Early Childhood School Lakota, Wyandot Early Childhood School Liberty Township, Yosselin Villatoro

Source: http://westchesterbuzz.com/2012/11/20/volunteers-build-a-house-for-a-7-year-olds-family-as-she-copes-with-cancer/

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