Monday, May 19, 2014

Brake-O-Rama finds interesting article on the fuel economy

Big battle brewing over fuel economy standards

The White House appears to be looking for a way to compromise on future fuel economy increases, but it remains to be seen whether planned new mileage rules will satisfy those on either side of the debate.
The Obama administration is hinting that it will require carmakers to produce fleets of cars and trucks that get an average 56.2 miles per gallon by 2025. That would represent a nearly a 60 percent increase over the 35.5 mpg mandate in place for 2016. But the end result, representing an increase of 5 percent annually, still would be significantly lower than the 62 mpg number the Environmental Protection Agency originally was considering.
Proponents of an even bigger increase in fuel economy standards say the compromise figure would not do enough to reduce global warming or decrease America’s dependence upon foreign oil.
But some industry representatives and others say even the 56.2 mpg standard could result in costs that are more than the public can bear, leading to sharp declines in new car sales and the loss of thousands of automotive jobs. They have suggested a standard of perhaps 47 mpg, which would represent a 3 percent annual increase over a decade.
“Overly ambitious standards set 14 years in the future risk severe economic harm if consumers’ wants and needs are not met,” said Bailey Wood, a spokesman for the National Automobile Dealers Association.
The Corporate Average Fuel Economy or CAFE standards have been controversial since they were made law in 1975 following the first Middle East oil shock. Opponents of the standards were able to effectively freeze the rules for two decades, with only the most modest increases until the Obama administration negotiated an increase beginning with the 2012 model year through 2016.
Given sporadic run-ups in oil prices over the past two years and growing concerns about global warming, proponents of government-mandated fuel standards now feel they have momentum to achieve the biggest mileage increases since the original rules were passed more than three decades ago.
Clearly, consumers want improved fuel economy. That is reflected in the market’s shift toward smaller vehicles and downsized powertrains. But growing frustration with government and public debate over global warming have made the original 62 mpg goal more difficult to sell than some had initially expected.
Also complicating matters: Americans are concerned about jobs, and a study issued this month by the Center for Automotive Research raised serious questions about the costs and benefits  of pushing fuel economy too far, too fast.
The risk “is serious,” proclaimed the CAR study, which said the higher standards could boost the price of a typical car sold in the U.S. by as much as $9,000 while reducing new car sales by up to 5.5 million units a year, potentially eliminating as many as 265,000 American jobs.
Advocates of CAFE standards decried the CAR report as “propaganda,” pointing instead to another study issued by the Boston Consulting Group on the same day as the CAR report.
The Boston Consulting Group is far less negative about the projected sharp rise in mileage. It would be “a lot cheaper than expected,” said Boston Consulting Group analyst Xavier Mosquet, who estimated the average cost at $2,000 per vehicle. That, he contended, would be easily paid for by fuel savings, especially if gas prices keep going up, as many expect.
Why such a discrepancy between the two projections? There are plenty of assumptions that go into forecasting what consumer demand will be more than a decade out — as well as the sorts of technology that might be available to meet those needs.
Industry leaders such as Ford global product development chief Derrick Kuzak say that motorists will not only be forced to substantially downsize, but that they will also likely no longer be able to get the sort of powertrains popular today. The industry will likely be forced to replace V8s, V6s and even smaller 4-cylinder engines with battery-based technologies that could limit range, performance and payload.
On the other hand, CAFE proponents point to the substantial number of conventional vehicles that already deliver 40 mpg on the highway without using hybrid technologies that could yield even more savings. The Boston Consulting study, for one, sees tremendous opportunities using direct injection, turbocharging and more advanced transmission systems.
The administration backed down on the earlier 62 mpg standard once the new Republican-majority House was seated, in January. But the issue of fuel economy is less partisan than some might think.
Liberal Sen. Carl Levin, D-Mich., is one of those siding with the industry, saying that even the reduced 56 mpg target is too high. On the other hand, a group of 15 prominent Republicans, including former governors, members of Congress and EPA administrators, wrote the White House last week to back the full 62 mpg target.
With consumers so worried about fuel prices, there are few who expect the CAFE debate to be put on the back burner again. What’s unclear is whether the new proposal is the point at which the White House expects to begin bargaining with the auto industry, or if it sees 56 mpg as the compromise it is willing to settle for.
Administration representatives have reportedly been meeting with officials from the auto industry, Capitol Hill leaders and others in recent days, hoping to take the political temperature.
“No decision has been made yet, but our goal remains to propose [a revised mileage] rule this September,” said White House spokesman Matt Lehrich.

Tuesday, January 14, 2014

REITs and a lesson in business by Master businessman Zalman Silber

Zalman Silber 02/19/2012
Residential properties are one great way of owning a piece of real estate for investors, but it is certainly not the only way. Investing in commercial real estate such as malls, medical office buildings, large properties, and hospitals - may provide investors with an income stream, potential tax benefits, protection against inflation, and substantial growth opportunities. In addition, real estate is a great way to add diversification benefits when combining it with other types of non-correlated investments such as equities and fixed income securities. Therefore, commercial real estate can provide investors with a way to shield against volatile market conditions.An investment opportunity
Years ago, commercial real estate investments were only attainable by institutional investors, wealthy individuals, and trusts with significant financial resources. For more info Zalman Silber

Today, with the advent of products such as real estate investment trusts (REITs), many investors now have access to commercial real estate investments and opportunities that were once available to only the cream of the crop.How it works
The most often used vehicle for investing in commercial real estate is the REIT. Although investing in commercial real estate was restricted to wealthy individual and corporations 50 years ago, since the REIT was created, the real estate market has attracted a much broader and much larger group of investors because it allowed regular investors to participate. REITs are like most other funds in the way they get capital for their operations. They raise money from investors and pool all the funds to acquire properties such as hospitals and office buildings. As long as REITs closely adhere to the laws applicable to them, most notably distributing at least 90% of all their taxable income to investors, they avoid double taxation of its income at the REIT level. This distribution is the major source of the income that REIT investors receive.When investors place their money in any REIT, they are putting their money in the hands of real estate professionals that monitor changes and trends in the real estate market, mortgage rate movements, regional trends, and other factors. In addition to all the external factors, the REIT's success will also be affected by the fund manager's skills, experience, and talent.REITs come in two forms: traded and non-traded fashions. Each has its own advantages and risks. However, this article concentrated on non-traded REITs.Potential benefitsNon-traded REITs may offer:Steady income streams. Non-traded REITs may provide a revenue stream in the form of monthly or quarterly distributions. This gives fixed-income investors with a steady cash flow.Protection of principal. Although the economy's ups and downs can affect real estate values, REITs that invest in high-quality real estate assets can maintain their values.Capital appreciation. With a sufficiently long time horizon, real estate can provide investors with back-end appreciation which can translate into significant rates of returns.Inflation protection. Real estate typically withstands the erosive nature of inflation.Tax advantages. Many investors benefit from holding real estate investments because the investor's taxable income is reduced by taking advantage of depreciation deductions. When the asset is sold, the income that was protected by the deductions is taxed at potentially lower capital gains taxes.Potential risksThe following risks are possible with non-traded REITs:Some of the property holdings in the REIT may have been purchased at a highly appreciated price which can restrict the overall growth of a REIT portfolio because the REIT may run the risk of not being able to sell the property at a more appreciated price. These types of properties may or may not be providing cash flows to the REIT.Non-traded REITs are typically appropriate for long-term investment horizons of 5-10 years making them more illiquid investments.Investment objectives stated in the REIT's prospectus are target not guarantees. Clients may see a difference in the distributions they receive and the expected level of distribution rate.Commercial real estate investment strategiesCarefully consider what risks you are looking to take on in order to justify the expected return. Higher returns generally go hand in hand with higher risks. Individual investors need to feel comfortable with the degree of risk they are willing to tolerate and then maximize their returns to their unique risk level without leaving your comfort zone.REITs typically fall into three principal categories each with its own advantages and risks:1. Core investment programs concentrate on long-term property holdings in order to generate steady income streams for their investors and potentially some back-end appreciation. Investors that find these programs appealing are typically focused on receiving an income stream to supplement their current income.REITs that fall under this category of core real estate investments invest their funds in well-established real estate markets focusing on high-quality, stable, well-maintained properties that are not too leveraged. They buildings generally have minimal upkeep necessary such as repairs.Managers select
properties in diverse markets and look at the financial stability of tenants in their chose properties.2. The value-added group invests in properties that potentially may provide investors with significant back-end capital appreciation. Therefore, these properties carry with them a higher level of risk and are generally financed with some amount of leverage. Investors seeking greater asset appreciation rather than current income in their investment plans may find this group of REITs more appropriate for their investment goals.When buying these types of real estate properties, managers are willing to purchase properties that may have had some operational or management problems such as average or below average occupancy rates. In hope of turning these investments around, the REIT may look to improve or reposition troubled areas in the property in some way often by finding higher-quality tenants. Once their attempts have increased the value of the asset, the manager may consider selling the property to capture gains.3. The opportunistic REIT strategy seeks to invest in properties that will capture the highest possible returns and therefore may accept a significant amount of risk to get to their goals. Investors in these types of REITs have a minimal need for current income and are looking for substantial short-term capital appreciation.Such investments are generally not appropriate for individuals seeking a steady income stream, but rather those seeking to increase total returns in their portfolios via capital appreciation. REIT managers create value by finding properties in geographically diverse markets where growth potential is high. Fund managers invest in properties for a short period of time are generally ready to recapitalize certain holdings to increase returns.You don't have to do it aloneREITs can be complicated investments to evaluate and even more complicated to integrate into your current portfolio and investment goals. Your Isakov Planning Group Financial Advisor can help you determine if REITs makes sense for you.   

Monday, November 4, 2013

"Who Stole The Moon?"

"Who Stole the Moon?" The top-rated interactive children's book extends the horizon for languages!

Windy Press has released an updated version of its popular interactive book for children — "Who Stole The Moon?". The story can now be read and heard in 17 different languages. You can read it on the iPad and iPhone (special edition with enlarged font).

Chicago-based, Windy Press International Publishing House, LLC has released an update, (version 1.3), of its top-rated interactive musical book for children, "Who Stole The Moon?". It contains yet another language: Danish. Altogether, the story can now be read and heard in 17 different languages! Thanks to the redesigning of the pages and large font, the story is now available not only on the iPad, but on the iPhone as well.
*** Interactive book "Who Stole the Moon?" for iPad and for iPhone! ***
"Who Stole the Moon?" is an interactive musical picture book application. The fairy tale "Who Stole the Moon?" was written by the British writer Helen Stratton-Would and illustrated by well-known Russian artist Vlad Gerasimov. It's a story about little Bertie, who dreamed about becoming an astronaut. He loved to watch the moon shining through his skylight window every night as he lay in bed. One evening, though, the moon didn't appear in the sky.

"Who Stole the Moon?" With this serious question, "detective" Bertie set out on his adventure. Join Bertie on his quest with this charming bedtime story that will gently nurture your child's imagination and send them off into the magical world of dreams.

With the interactive book "Who Stole the Moon?", Windy Press makes an innovative step in creating a completely new genre in digital publishing — the e-musical. In addition to fine illustrations, vivid animation, as well as 4 mini-games, the book includes 8 original songs, performed by award-winning American children's singer Susie Tallman and well-known Australian musician Richard Pleasance. "Who Stole the Moon?" is available in many widely-spoken languages across the world and is narrated by professional actors.

The 17 languages with professional narrators include: English, Spanish, German, French, Italian, Portuguese, Russian, Chinese, Japanese, Korean, Swedish, Dutch, Danish, Ukrainian, Czech, Turkish, Afrikaans.
— Editor's Choice Award by the Children's Technology Review
— #1 among top the 10 most interesting interactive children's apps for Apple gadgets. — Listed by Forbes
— 5+1 Stars and Gold Award for Excellent Children's App by Kinder App Garten (Germany)

*** Overview of "Who Stole the Moon?" ***
Title: "Who Stole the Moon?" Published by: Windy Press International Publishing House, LLC. Release date: March 05, 2012. Compatible with iPhone, iPad and iPod Touch. Requires iOS 5.0 or later.
Price: US $4.99 for iPad, US $2.99 for iPhone.
Free Lite version also available (In-App Purchase: US $4.99/ US $2.99 accordingly)
iTunes AppStore:
Full iPad version:
Free iPad version:
Full iPhone version:
Free iPhone version:
*** Company website with promotional videos ***
Book page:
Media Kit:
Company site:

*** About the Company ***
Windy Press is an international innovative publishing house headquartered in Chicago, Illinois, USA. It's primary direction is the publication of interactive e-books for children and adults. Windy Press publications feature rich animated illustrations combined with original songs and mini games. At the heart of the unique "book musicals" of Windy Press lies an original cross-platform book engine. This technology gives new life to books that are both entertaining and educational. As the founder of the e-musical genre, Windy Press takes its special place among the pioneers of the digital publishing revolution.

*** Press Release Contact Information ***
Yuri Mezenko
Windy Press International Publishing House, LLC
P.O. Box 1541
Warrenville, IL 60555
Voice: (+1) 630-699-5832

Thursday, April 18, 2013

"I became them" Brilliant new poetry by Shainur Ullah

When I studied them, I became interested
When I became interested, I heard of them
When I heard of them, I saw them
When I saw them, I met them
And when I met them, I became them.

By Shainur Ullah


I like this exploration of how things influence us, and how it means that we become at total of all the experiences we have, whether we like it or not. A great concise shwoing of how that happens. Well Done!

This is brilliant and insightful! I wouldn't change a thing. It is exactly how i feel when I discover a new (well,new to me) branch of history, new genre of books, or a form of art. Thank you for expressing that feeling of oneness to every new study in life

This is how it all works!! Getting to the bottom of things requires getting there first, once there one becomes one with them. I am impressed by this relatively simple equation that you have put in place which is both effective and true at all times.

You have a great gift for capturing much in the smallest of nets. One is then left to marvel at the valuable treasures therein. Excellent write and read!!! applauded

Simple but efficient ! It pictures the stages one could go through once introduced to particular knowledge that one finds interest in , I suppose and when i met them ,i became them could be interpreted as the influence someone had upon you in a positive way .It could also be though them you identified something that you desired in life and wanted so badly to have .Once you saw that it is achieveble "i became them " .It.s as if when we see something we want in others we try to copy them or imitate them so we can have what they have to ! Hope this makes sense !

the poem can be interpreted in a dark foreboding sense or in the Sufi tradition of 'Oneness'. 

This is an interesting introspection into the social structure and process behind the scenes of life. Very true and to the point. Nicely done.

Cancer Girl

Cancer girl is about a girl with blood cancer and when she falls in love, her cancer gets cured and when they break up her cancer comes back.

I published this on wattpad, I am not getting paid for the short story, but I would love readers and people to comment and like and I have faith this short story will affect a lot of people in a good way as cancer is a huge killer and we all know a person with cancer, or died from cancer that we wished were cured.

I'd love for you to spread this short story around and hope to make people feel better, again I get no profit but if i see people commenting and liking and just getting the recognition and seeing they are happy is enough for me.

It is sort of a fairy tale, but a 21st century fairy tale, with cancer being the plague and love is the cure. My aim is to make you happy and I would love it if you spread this short story, cancer girl to any effected familes dealing with cancer or someone who has cancer, i want to put hope and faith in them.

Read it for yourself and let your heart melt:

Thursday, January 3, 2013

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Saturday, October 13, 2012

Dehydrated dog food, why your dog needs this healthy dog food?

Dehydrated dog food, why your dog needs this healthy dog food?

What is Dehydrated dog food?
Dehydrated dog food is in its simplest form is referred to as dry dog food, but only until warm water is added to the dehydrated dog food mix and then the resulting dog food mix becomes a biologically appropriate dog food with the exact amount of water content recommended by the dog food nutritional experts, the added advantage on this dehydrated dog food is that the amount of water contained in the biologically appropriate dog food is in the exact amount of 70%, and this water content is the perfect for the individual dog’s metabolism as any less or more water content can be a cause for nutritional problems in the future – possibly liver and / or kidney problems, all dog food mixes must be represented of the dog’s natural dietary requirements which should as close as possible to the meat-eating diet of its carnivores descendants and this hydrated dog food – dehydrated dog food when mixed with the exact amount of water decidedly is replicated by as perfect a diet only as an alternative to eating a biologically appropriate raw diet – which in its self very difficult to assess exact proportions to suit the dogs dietary needs, so the first choice the dog nutritional experts would recommend is the biologically appropriate raw diet, which is at best very difficult to replicate, the perfect alternative for the dogs dietary needs would be the correctly hydrated dehydrated dog food.

What is Good About Dehydrated Dog Food?
The main advantage of feeding your family dog Dehydrated Dog Food is that the manufacturing process is consistent and specific, and the advantage lies in the fact that the dehydrated dog food has not been processed at high temperatures which has protected the essential nutrient, essential mineral and other essential vitamins content of the Hydrated dog food mix, so the essential ingredients that is so essential for the long term nutritional needs for your family dog is importantly safeguarded.

Dehydrated dog food remains the closest to the essential ingredients of any manufactures dog food, because the essential ingredients of the dehydrated raw dog food remains in perfect condition so that the family dog benefit from the essential trace elements which is not destroyed in the manufacturing heating process and this range of dehydrated raw dog food is the best choice of dog food that a caring dog lover can give to their family dog, it is recommended that all family dogs should be fed the best and highest quality of dog food that perfectly replicates the natural food of the meat-eating carnivore and gives the family dog the essential minerals, essential vitamins and the essential trace elements, and avoid all other processed dog foods and the reasons are explained for you in the paragraph below.

Processed dog food in comparison to dehydrated dog food – in its raw state, is actually forced to be heat processed because of the un-nutritious and potential harmful bacteria which is very likely mixed in with processed dog food – the un-sterilized waste animal innards, the crushed waste bones with added un-natural ingredients so as to bind all of the mixed processed dog food together – in essence with all of the un-savoury ingredients contained within the processed dog food, then the extreme heating process used throughout the manufacturing process is entirely necessary to ensure the destruction of the possibly harmful bacteria, and it is for this reason alone that the processed dog food must be subject to very high temperatures so as to ensure that the potential harmful bacteria is destroying these essential trace elements even though the manufacturing process involves the destruction of essential ingredients the inferior processed dog food is still available and is being sold in the vast majority of the processed dog food departments of the Pet Supplies Stores.

What is the Advantages of Feeding Your Dog Dehydrated Dog Food?
As the first choice of dehydrated dog food from the dog nutritional experts are also based on the very important advantage of this type of food being very easily digestible and for the essential proteins which are readily available to the dog for example turkey, beef, chicken and fish in their own right are a luxury diet of the meat-eating carnivorous wild dogs, and with the added benefit from the naturally included essential minerals and the essential vitamins available to the dog in its natural state, then Dehydrated Dog Food is definitely the best choice and only second to the biologically appropriate raw dog food and this type of raw dog food is a difficult to formulate to the exact proportions of the various components relating to the various elements so the dog fed on the biologically appropriate dog food needs to replicate the exact combination of the daily essential nutrients, essential minerals, essential vitamins and exact proportions for bulk and reduction in the carbohydrate content – unless the dog is a working dog then the combinations need to be re-evaluated to suit. Dehydrated Dog Food is highly recommended for dog owners who received specific orders not to feed their dogs’ dog food with grain, and this is usually as a result of a transitional dog food after coming off a bland diet as a result of a Gastric Intestinal problem or even Pancreatitis and using Dehydrated Dog Food until capable of resuming their biologically appropriate raw dog food.

Is there a Set of Ingredients Contained in Dehydrated Raw Dog Food?
Yes, and to ensure you feed your dog the highest consistency of Dehydrated Raw Dog Food, then you need to ensure that the quality is consistent and the only sure way of ensuring the consistency of the dog food, check these ingredients is printed on the Hydrated Raw Dog Food Box – if shopping online for your hydrated raw dog food, then only shop at an online pet supplies store which offer an in-depth informational description of each pet supplies product – check out the DogSiteWorld Store and you will see that they offer an in-depth pet products description, with the honest reviews from previous buyers and their reviews are from pet lovers just like us, unfortunately there are many online dog supplies store who will offer very little product descriptions, so check the description before any online purchases, the List of ingredients is as follows:
• Dehydrated Turkey
• Organic Flaxseed
• Potatoes
• Carrots
• Celery
• Spinach
• Organic Coconut
• Apples
• Organic Kelp
• Eggs
• Bananas

The above ingredients are an excellent combination of raw foods in the natural form of dehydrated raw dog food – raw dog food which having been dried in its natural state with nothing added or nothing taken out by any processing method – un processed dog food; you will not get any better quality ingredients when the combination is in any type of prepared dog food especially when included within the recipe of Dehydrated Raw Dog Food, remember this type of dog food available at online pet stores will usually include a more extended range and there should be expected to have a wide selection and usually the descriptions will be more exact certainly when shopping at a leading online pet supplies store.

What do I Need to Know when Feeding my Dog Dehydrated Dog Food?
Feeding your dog a mixed diet of Dehydrated Dog Food is like any other mixture of dog food and essential and specific to all dry dog food mixes, and that is to ensure that by feeding your dog any dry dog mix you must ensure that the dog food mixture must be adequately softened by adding at least 70% water to the mix and ensure that all the dry ingredients are moistened and of a paste consistency and this fine mix will be perfect for the dog – the dog nutritional experts suggest to avoid a dog having unlimited access to dry dog food in its un-moistened state, and only feeding the correct amount on a daily basis.

Will You Separate Myth From Fact and Evidence with Dehydrated Dog Food 1?
There is one misconception that a dog who eats dry dehydrated dog food that their teeth will remain in perfect condition, unfortunately this is far from the truth, as the experts will argue that the only way for a dog to maintain an healthy set of teeth is that the dog will regularly participate in the shearing action from chewing on and biting bone-dense food, and it’s this consistent biting on dense bone type dog food that helps to maintain the cleaning action of the dog’s teeth.

Will You Separate Misconception From Fact and Evidence with Dehydrated Dog Food 2?
Another misconception is related to buying dog food which contains Grains, well Grains in dog food is only used to bulk up the dog food consistency with a cheap and plentiful ingredient, there is no evidence that dog food with grain is healthy, in fact many dog nutritional experts will warn against feeding your dog with dog food containing grain, as they recommend that all dog food given to your dog need to be grain-free and the ultimate dog food mix essential for your dogs’ health and well-being and the evidence suggests dehydrated raw dog food is the dog food mix which replicated the most natural dog food diet for your meat-eating carnivore.

References: (“Toxic pet food may have killed dozens of dogs”, (Simone Aquino and Benedito CorrĂȘa (2011). (Aflatoxins in Pet Foods: A Risk to Special Consumers, Aflatoxins - Detection, Measurement and Control, Dr Irineo Torres-Pacheco (Ed.), ISBN: 978-953-307-711-6, InTech (Moss,)… Carnoviour