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Plants' fungi allies may not help store climate change's extra carbon

ScienceDaily (Aug. 30, 2012) ? Fungi found in plants may not be the answer to mitigating climate change by storing additional carbon in soils as some previously thought, according to an international team of plant biologists.

The researchers found that increased carbon dioxide stimulates the growth of arbuscular mycorrhizal fungi (AMF) -- a type of fungus that is often found in the roots of most land plants -- which then leads to higher decomposition rates of organic materials, said Lei Cheng, post doctorate fellow in plant science, Penn State. This decomposition releases more carbon dioxide back into the air, which means that terrestrial ecosystems may have limited capacity to halt climate change by cleaning up excessive greenhouse gases, according to the researchers.

"Prior to our study, there have been few studies on whether elevated levels of carbon dioxide would stimulate organic carbon decomposition through AMF," said Cheng.

To study the effect of higher levels of carbon dioxide on AMF-mediated decomposition, the researchers conducted four experiments, two in greenhouses and two in fields to mimic Earth's expected North American atmospheric levels of carbon dioxide. They studied plots of a wild oat species, which is native to Eurasia and now common in North American grasslands, and wheat.

In the experiments, one plot was treated with AMF, the other did not have the fungus. Both plots were exposed to higher than currently existing carbon dioxide levels. After a ten-week gestation period, the sample of plants with AMF had 9 percent less carbon in the soil than the plot that was not treated with AMF, indicating that the carbon was released back into the atmosphere.

"Basically, we showed that elevated carbon dioxide increases carbon allocation to AMF to increase plant nitrogen uptake, and higher AMF facilitate organic residue decomposition which releases carbon dioxide into the air," said Cheng.

Elevated levels of carbon dioxide did significantly increase the size of the AMF colonies and carbon allocation underground, according to the researchers, who released their findings in the Aug. 30 issue of Science. However, the storage of carbon is offset by the role of AMF in facilitating decomposition.

"We used to think that this excess carbon would be sequestered in the soil," said Cheng. "So, that could help mitigate climate change, but it doesn't appear to be so."

They also studied the effect on a wheat and soybean field. In this experiment, Cheng said elevated levels of carbon dioxide increased both the size of AMF colonies and decomposition.

AMF colonies, which are found in the roots of 80 percent of land plant species, play a critical role in Earth's carbon cycle. The fungus receives and stores carbon -- a byproduct of the plant's photosynthesis -- from its host plant in its long vein-like structures. A plant stores about 20 percent of its carbon in AMF, according to Cheng.

AMF also help the plant capture nutrients, such as phosphorus and nitrogen.

"We found that, under elevated carbon dioxide levels, AMF supply more nitrogen to their host plants by acquiring ammonium directly from decomposing residues," Cheng said. "So the good news is that AMF's role in the plant's nitrogen uptake may open up the possibility of keeping carbon in the soil."

When there are higher carbon dioxide levels, the plant's ability to take in nitrates is inhibited and it then adds more carbon to fungi like AMF to acquire ammonium, said Cheng. The management of soil nitrogen transformations may provide a promising strategy of restoring levels of carbon sequestration under higher carbon dioxide conditions.

Cheng worked with Fitzgerald L. Booker, plant physiologist and professor of crop science, and Kent O. Burkey, plant physiologist and professor of crop science and botany, both of North Carolina State University and the U.S. Department of Agriculture-Agricultural Research Service; Thomas W. Rufty, Bayer Distinguished Professor, department of crop science, Shuijin Hu, associate professor of plant pathology, H. David Shew, professor of plant pathology, and Cong Tu, research specialist, all of North Carolina State University, and Lishi Zhou, department of plant pathology, North Carolina State University and State Key Laboratory of Vegetation and Environmental Change, Institute of Botany, Chinese Academy of Science.

The USDA supported this work.

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Story Source:

The above story is reprinted from materials provided by Penn State.

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


Journal Reference:

  1. L. Cheng, F. L. Booker, C. Tu, K. O. Burkey, L. Zhou, H. D. Shew, T. W. Rufty, S. Hu. Arbuscular Mycorrhizal Fungi Increase Organic Carbon Decomposition Under Elevated CO2. Science, 2012; 337 (6098): 1084 DOI: 10.1126/science.1224304

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/top_news/~3/SYRfesn7C0U/120830141345.htm

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Prolor Biotech rises as analyst gives top rating

NEW YORK (AP) ? Shares of Prolor Biotech rose Wednesday after an Oppenheimer & Co. analyst started covering the biotech drugmaker with an "Outperform" rating.

THE SPARK: Analyst Boris Peaker said Prolor's shares could trade significantly higher over the next year to 18 months, as the company is conducting key clinical trials of a long-acting growth hormone. He the company should start a late-stage clinical trial of the drug and report results from one mid-stage and one-late stage trial before the end of 2013. Peaker initiated coverage with a price target of $7 per share.

THE BIG PICTURE: Prolor develops longer-lasting versions of approved products. The company says its carboxyl terminal peptide technology can make drugs last longer in a patient's bloodstream. It says its human growth hormone could be injected once a week or twice a month instead of daily, making the product more convenient for patients. Prolor said the product could be used as a long-term treatment for growth failure.

The human growth hormone drug is Prolor's most advanced product. The Israeli company is also studying treatments for conditions including hemophilia atherosclerosis, and rheumatoid arthritis.

Prolor collaborated with Merck & Co. on a long-acting version of follicle-stimulating hormone, an injectable hormone that is used to increase the chances of pregnancy. The European Union approved the product in 2010, and Merck markets it under the name Elonva. Peaker said that approval shows Prolor's technology can be effective.

SHARE ACTION: Prolor Biotech stock gained 19 cents, or 4.1 percent, to end at $4.88 Wednesday. The shares have traded between $6.69 and $3.31 in the last 12 months.

Source: http://news.yahoo.com/prolor-biotech-rises-analyst-gives-top-rating-203332414--finance.html

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Harvard investigates possible cheating scandal

Dozens of Harvard University students are being investigated for cheating after school officials discovered they may have shared answers or plagiarized on a final exam.

Harvard officials aren't releasing the name of the class, the students' names or the exact number being investigated.

The undergraduate class had a minimum of 250 students and possible cheating was discovered in roughly half the take-home exams, university officials said Thursday.

"These allegations, if proven, represent totally unacceptable behavior that betrays the trust upon which intellectual inquiry at Harvard depends," President Drew Faust said.

Each student whose work is in question has been called to appear before a subcommittee of the Harvard College Administrative Board, which reviews issues of academic integrity, said Jay M. Harris, dean of undergraduate Education. He emphasized that none of the allegations has been proven and said there's no evidence of widespread cheating at Harvard.

Watch US News videos on NBCNews.com

"The facts that are before us are that we have a problem in this one course," Harris said. "I hope that doesn't sound overly naive, I don't want to be naive, but this is what we have. The rest would be speculation.

"Looking at the students we have and the work that they do, I would be loathe to say this is something that represents Harvard students generally."

The spring course included undergraduates at all class levels, Harris said. A teaching assistant noticed some possible problems on the tests, including evidence that students collaborated on answers or used the same long, identical strings of words. The exam had clear instructions that no collaboration was allowed, Harris said.

The assistant notified the professor, who referred the case in May to the administrative board. After interviewing some students, the board found what Harris characterized as "cause for concern."

Depending on the offense, the punishments range from an admonition, a sort of warning for a first offense, to being forced to withdraw from Harvard for a year. It wasn't immediately clear what sanctions any student who has graduated may face.

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There's no timeline for when the investigation will be finished, Harris said.

"We believe in due process for students and fairness," he said. "Everyone wants it done yesterday, but we have to be patient. It's going to take as long as it takes."

A Harvard spokesman said he knows of no incidents in recent memory of possible cheating at the university on this scale.

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In response to the allegations, a Harvard committee on academic integrity led by Harris will present recommendations on how to enforce faculty-wide expectations of academic honesty.

In an email Thursday, Michael D. Smith, dean of the Faculty of Arts and Sciences, urged faculty members to clarify policies on student collaboration and work to "foster a culture of honesty and integrity."

The school plans to initiate broad conversations on campus about academic honesty, including why it's vital to intellectual inquiry. It is also considering instituting an honor code. Such codes at other schools, for instance, set standards for honesty and require students to sign completed work, attesting that they followed those standards.

"We really think we need to work harder," Harris said. "We do think it's an opportunity to really put out before the community how much we value integrity."

Source: http://www.msnbc.msn.com/id/48848168/ns/us_news-education/

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Sony VAIO Duo 11 slider PC hands-on (video)

Sony VAIO Duo 11 slider PC handson

While Sony's keeping quiet on a lot of the precise technical specs, there's plenty to talk about in the form-factor Sony has chosen for one of its debut Windows 8 VAIO devices. The Duo 11 slider pairs an 11.6-inch screen with a sliding -- and very satisfying -- hinge. This gives the slate two different ways to deal with Microsoft's forthcoming OS. Handily, Sony has also developed a precise digitizer to work in tandem with the device. We're liking the style of the slider, and that petite footprint is also rather appealing -- aside from the paucity for keys. There are more impressions and a hands-on video after the break.

Continue reading Sony VAIO Duo 11 slider PC hands-on (video)

Filed under: ,

Sony VAIO Duo 11 slider PC hands-on (video) originally appeared on Engadget on Wed, 29 Aug 2012 12:55:00 EDT. Please see our terms for use of feeds.

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Source: http://www.engadget.com/2012/08/29/sony-vaio-duo-11-slider-pc-hands-on/

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If you are an owner of a home then defi - Professional for Interior ...


by sarina lissa
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If you are an owner of a home then definitely, one thing, which you will do regularly, is interior painting of that home. Interior painting of any home is the best thing, which is necessary for the maintenance of your home as well as it, is the best option through which you can change internal look and shape of your home and rooms without any efforts. Whatever the reason is behind painting your home internally. It may be that you want to change interior look of your home or it is your habit that you change painting of your home regularly at least after one year and sometimes it in necessary for repairing your home. Most of the people use to paint their home themselves and feel guilty if they are not performing this job and therefore these persons never hire painting services. However, there are many people who have not any idea about home interior painting and they do not want to do this job due to physical labor. It is also not possible for many people because giving free time is not possible and desirable for every person.

Those people who do not want to paint their home themselves can hire professional painting services, which are available in market. When you hire a professional painter for the interior painting of your home, he/she will perform this duty easily and quickly for you. When you have services of these professional then you have not to spend your most of the time in preparing paint deciding that how to do the job in right manner and many more. There is no need of buying heavy and expensive equipment for your home painting and you need not to learn that how you will use them. In the presence of a professional painter who is painting your home and providing paint services, you have not to go on paint stores repeatedly because that professional painter will manage all necessary things on his/her own.

If you are doing this job on your own then you have to take many trips of paint stores because sometimes you will forget anything to purchase which is necessary for this job and sometimes you have not any knowledge that which thing in necessary for which purpose. When you will hire a professional painter for paint services of your home then you will have not to worry about these problems as well as you will not face any problem like this. There are very simple ways through which you can hire a professional painter. As simply pick the phone and call them or contact them through online resources. When you have contacted a professional painter, simply schedule an initial meeting with that professional and call him at your home to make an estimate of the whole work time wise and expenditure wise. Now simply schedule a day with him on which he will start paint services in your home for its interior painting.

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A meeting a decade ago sets Romney's path

FILE - In this April 28, 2005, file photo, Massachusetts Lt. Gov. Kerry Healey, right, speaks during a news conference at the Statehouse in Boston, Thursday, April 28, 2005, as Gov. Mitt Romney, left, listens. Romney's path to the Republican presidential nomination started more than a decade ago. As CEO of the 2002 Salt Lake City Olympics, he was at a crossroads as the closing ceremonies approached. Political and professional suitors were all around. That's when he met with Kerry Healey, head of the Massachusetts GOP. During a meeting that ran an hour too long, she pressed the successful businessman to run for governor. Romney would soon agree to run, and the decision would open the next phase of his life. Romney's role as Massachusetts governor became the launching pad for a political career that reaches its pinnacle Thursday when he accepts the Republican presidential nomination. (AP Photo/Chitose Suzuki, File)

FILE - In this April 28, 2005, file photo, Massachusetts Lt. Gov. Kerry Healey, right, speaks during a news conference at the Statehouse in Boston, Thursday, April 28, 2005, as Gov. Mitt Romney, left, listens. Romney's path to the Republican presidential nomination started more than a decade ago. As CEO of the 2002 Salt Lake City Olympics, he was at a crossroads as the closing ceremonies approached. Political and professional suitors were all around. That's when he met with Kerry Healey, head of the Massachusetts GOP. During a meeting that ran an hour too long, she pressed the successful businessman to run for governor. Romney would soon agree to run, and the decision would open the next phase of his life. Romney's role as Massachusetts governor became the launching pad for a political career that reaches its pinnacle Thursday when he accepts the Republican presidential nomination. (AP Photo/Chitose Suzuki, File)

FILE - Massachusetts Gov. Mitt Romney and Lt. Gov. Kerry Healey walk out of the Courthouse MBTA station in Boston in this March 10, 2005, file photo, after a news conference unveiling their long-term transportation plan. Romney's path to the Republican presidential nomination started more than a decade ago. As CEO of the 2002 Salt Lake City Olympics, he was at a crossroads as the closing ceremonies approached. Political and professional suitors were all around. That's when he met with Kerry Healey, head of the Massachusetts GOP. During a meeting that ran an hour too long, she pressed the successful businessman to run for governor. Romney would soon agree to run, and the decision would open the next phase of his life. Romney's role as Massachusetts governor became the launching pad for a political career that reaches its pinnacle Thursday when he accepts the Republican presidential nomination. (AP Photo/Elise Amendola, File)

BOSTON (AP) ? Mitt Romney may not have set out on the road to the Republican presidential nomination if not for a private meeting between strangers.

More than a decade ago, the 54-year-old Olympics CEO was at a crossroads as the closing ceremonies of the 2002 Winter Games approached. That's when Kerry Healey, head of the Massachusetts GOP, traveled across the country to meet with Romney. Inside the privacy of his office, Healey pressed the longtime businessman to run for governor. French figure skating judges waited outside as the meeting ran long.

"We had never met before. It was a cold call," Healey recalls.

Romney would soon agree to run, a decision that opened the next phase of his life.

Nine months after that February 2002 meeting, Romney was elected governor of Massachusetts. The post became the launching pad for a national political career that reaches its pinnacle Thursday when he accepts the Republican presidential nomination.

Those who know him well say it was not ambition that pushed Romney into politics anew after a failed 1994 Massachusetts Senate run. Instead, they describe a man driven to lead, likely the result of growing up in a family that emphasized service above all else. They say Romney truly believed in his own unique ability to solve problems.

He ran toward challenges, says longtime friend and business partner Bob White.

"A lot of people who just tuned in this presidential year haven't seen this history of stepping forward," White says. "It's that stepping forward that his parents talked about, not necessarily just public office. It how he's wired."

Indeed, Romney's father, George Romney, served as Michigan governor. He unsuccessfully sought the Republican nomination in 1968, later becoming a member of President Richard Nixon's Cabinet. Romney's mother, Lenore, later was an unsuccessful candidate for U.S. Senate.

It was clear early into Romney's one term as Massachusetts governor that he, like his father, saw opportunities to lead on a larger stage.

Less than a year after taking office, Romney sought and won the chairmanship of the Republican Governors Association. He raised tens of millions of dollars to help elect Republicans across the nation. In 2004, he made his first trip to Iowa, home of the leadoff presidential caucuses, to speak at the state GOP's fall banquet some weeks before President George W. Bush's re-election.

Romney would visit Iowa three times in 2005 and nine times in 2006. That year, he spent 212 days outside of Massachusetts. One trip included a visit to Iraq and Afghanistan to enhance his international credentials as his state grappled with a devastating flood.

His national focus hurt his standing back home. The fall before he left office, two in three Massachusetts residents disapproved of his job performance.

But by that time, there was little doubt Romney would seek the presidency. He already had declined to seek a second term as governor. He announced the formation of a presidential exploratory committee for the 2008 race on his next-to-last day as Massachusetts governor.

Romney quickly proved he was a prolific fundraiser and carved out a reputation that year as the conservative alternative to Sen. John McCain by shifting to the right on key issues after tacking more to the center as Massachusetts governor. He spent millions to win symbolic test votes and millions more to support a bloated staff.

Nearly always perfectly groomed and wearing a suit, Romney ended up struggling to connect with voters. His Mormon faith proved an impediment, especially in Iowa and South Carolina. And his reversals on social issues gave rivals fodder to tag him as a flip-flopping candidate with no core belief system.

Romney, who later acknowledged that his strategy was flawed, would ultimately lose the nomination to McCain.

Ann Romney vowed that her husband would not run a second time.

But feelings had changed around Christmas of 2010 when the Romney family met at the kitchen table to discuss the prospect of another bid.

"I said, 'Is it too late to fix the country? And Mitt said something interesting. He said, 'Well it is not too late yet, but it is getting late," Ann Romney told a Florida audience recently. "And knowing that there was still time, I said, 'There is no question whether we go forward or don't go forward, because it is up to you to save the country, and so we must go forward.'"

Romney was convinced he had to do things differently the second time around.

He worked to shed his buttoned-up image by wearing more casual attire, such as jeans, sneakers and shirts with the sleeves rolled up. Facing a weak Republican field, his campaign's rallying cry became "leaner and meaner." He hired a smaller staff and listened to fewer consultants. He stockpiled tons of cash and an outside super political action committee made up of former staffers did the same. He focused his pitch on the economy and defeating Barack Obama. And he walked a careful line between presenting himself as acceptable to the tea party ? a new insurgent group ? and catering to it.

Starting in Iowa, Romney and his allies eviscerated his rivals ? particularly former House Speaker Newt Gingrich ? on TV, burying them in negative ads. Romney was briefly announced the victor by a narrow margin before the Iowa GOP reversed course and declared former Pennsylvania Sen. Rick Santorum the winner. But by that point, Romney had cruised to victory in next-up New Hampshire. Gingrich then rose in South Carolina, shellacking Romney after casting him as a job-killer. Then came Florida, and Romney easily overtook the competition.

He clinched the nomination months later, then quickly set his sights on his next goal: defeating Obama.

Now Romney stands at the precipice of formally becoming the party's standard-bearer, and possibly the country's next president.

It's that image that first flashed in Healey's mind after her meeting with Romney a decade ago. By the time she left, Healey ? who would become Romney's lieutenant governor ? couldn't help but agree with the whispers that had already begun about his future.

Says Healey: "I had no doubt on my first meeting with him that he had the potential to be the president of the United States."

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2012-08-28-Romney-Road%20to%20Tampa/id-972e906d9b174a0aa09d741074589d71

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Haven't seen him in almost 2 year's then BOOM - He's HOME ...

Almost 2 year's ago, my AH, packed up and left me
Got divorced while he moved 2,000 miles away
It's been a ride to say the least
He finally got sober & he's been sober now for 8 month's

Last night he knocked on my back door
I stood my ground's, umm, some might say "Biotche"
I unleashed my bottled up- thought's, feeling's, emotion's
Didn't sleep at all - Deep gut cried all night long

I believe it's all in the plan - Don't know why or how come
But I owned it

Tonight, we had dinner together
He still lives with guilt, shame and major denial.
I really feel like Im a grade or 2 ahead of him, in "recovery"
I was surprised he hasnt learned more about "himself" - I
would of thought, after 2 rehabs and nightly AA meetings, he would
of been farther than where he is at today. That surprised me!!

I felt like more like his "Alanon" counselor more than anything else
There was time's when my gut hurt, I shed alot of tear's
I told him, we could be friend's, but as far as getting
back together. It is not time, and dont know if it will ever be....

He asked me if he could move home! - That made my head spin!!

He's not made amend's to my children
And I will never put a man before my children ever again
I told him, it's up to him and God, not me
Im done fixing things - There was issues with him and my daughter
And those issues, run deep in my soul and her's

Honestly, alot of mixed feeling's, once again, hard to say good-bye
but atleast now, I have truely let go and letting God
and as of today, we parted as friends

I do love him, but I know after 2 days of living with him
I would more than likely would be sitting in the county jail

If he passes thru again, if the timing is right, we will have dinner again
He is a bit slower thinking and he did get side tracked a few times
I had to pull his train of thought, to finish the conversation a few times
Made me realize - how much I love my dogs and my peaceful little
home.

It hurt - It really hurt - It hurt to keep my hands in my pocket
and not whip out my "fixing" tools - The sad face, The lonely stare,
The wet tears - that he had on his face. Was freaking hard to look
at - Made my gut & heart hurt

One of my gf's was around, she got mad at me, and said how
can you talk to him like that, after he just has told you he was sorry??
I told her, Im done pussyfooting around. Done that for too many years.
It is what it is......She has been thru Alanon too, thought she would
of understood - How messed up this stuff can be.....?????

This time, I told him - See you later ~ Without a kiss - just a warm hug

Amends Done - Lets turn the page & move on......

I learned to follow my gut, because it's the only thing on me, that
hasnt been played with........and it worked!!!
Not easy..but forward

YOUR THOUGHTS ARE:?????

Source: http://www.soberrecovery.com/forums/friends-family-alcoholics/266549-havent-seen-him-almost-2-years-then-boom-hes-home.html

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App Evol ? Update: Star Walk ? 5 Stars Astronomy Guide (Education)

Star Walk ? 5 Stars Astronomy Guide 6.0

Device: iOS iPhone
Category: Education
Price: $2.99, Version: 5.7.4 -> 6.0 (iTunes)


Description:

*** A Parents? Choice Gold Award Winner ****** Webby Awards 2012 Nominee in Education and Reference category ****** Winner of Apple Design Award 2010 for the iPad version*** *** Featured by Apple on Best Apps of 2009, 2010 and in iPad TV commercials*** Do you like stars? Star Walk is a stellar augmented reality app that labels all the stars, constellations, and satellites you point your iPhone at. You can track the ISS, find out what constellation you?ve been looking at from your bedroom window and get a lot of exciting and educative information. Combine that with the amazing Apple Design Award winning graphics and highest quality content, you get the magic so highly praised by our customers:?This app is one of the main reasons I bought an iPhone. It does not disappoint. It was my first app download.? by Meat horse?This app is amazing and so accurate, it?s unbelievable. Whoever created it is a genius. I have to take an atmosphere and space class and the app helped me study, learn every single constellation, as well as other things like moon phases and everything. I can?t say enough about it! Also, the graphics are incredible :) ? by Maura&Emmy?THIS APP IS AWESOME!! It can help you study where stars, constellations are, and where sattilites are too! It?s really cool and educational.? by Googleplexes?Best graphics and info you can get. Tons of info and events. MUST HAVE!!!? by Tony_ButtonyMAIN FEATURES:- Augmented Reality for iPhone 4 and 4th gen iPod Touch- Star Spotter ? real time motion tracking tells you what stars are above you in the sky;- Satellites Tracking ? never miss ISS flying over your head again;- Time Machine ? see what the sky looks like at any moment in the past or future;- Calendar of Celestial Events: plan stargazing without leaving your favorite app.- Picture of the Day ? stunning pictures from deep space;- Night Mode ? preserve your dark vision to see more stars;- Search ? wondering where Jupiter is right now? Arrow will guide you to it;- Big Screen ? connect a second display to view the sky on a big screen.+ AirPrint, Moon Phases, Info, View from any location, TelRad, Sharing, Bookmarks, and more!*No internet connection required*WHAT EXPERTS SAY:"When someone new asks to see what an iPhone can do, all of us have a list of apps prepared to wow them. Star Walk is a gorgeous, dynamic application that will tease your eyes skyward on clear, starry nights". ? Billy Miller, 148apps.com?This is the best stargazing iPhone application I have come across.? Matt Sawyers, The iPhone Blog ?Star Walk is probably the prettiest of the astronomy guides available for the iPhone and iPod touch.? TUAW "I?ve been playing with Star Walk for a couple weeks now and it?s definitely become a favorite app to use for stargazing as well as to show off some of my iPhone?s capabilities to friends and curious strangers." CultofmacATTENTION:Please note that if you have iPhone 3 or 3rd gen iPod Touch, Star Walk won?t be able to track your motions in real time. Vito Technology is a member of Moms with Apps, a collaborative group of family-friendly developers seeking to promote quality apps for kids and families.Recommended Ages: allCategories: Environment, Science

What?s New

- Amazing new visual effects- Completely rebuilt Info: New layout of the revised info displays short facts, new image gallery, overview note, orbital and physical characteristics, magnitude and elevation as well as planetary structure- New gallery for Picture of the Day: cleaner simpler layout with folders for pictures from ESA, ESO- New Sharing button

Star Walk ? 5 Stars Astronomy Guide

Source: http://www.appevol.com/archives/109350

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The Dupaco Daily: Vehicle leasing: right for you?

Leasing a car is looking a lot more attractive these days.

"Manufacturers started to offer better leasing options to get people into the new vehicles, because there was starting to be a shortage of used vehicles," says Bob Nicks, indirect senior lending consultant at Dupaco Community Credit Union. "It doesn't work for everybody, but it really can be a good tool for some."

The popularity of leasing ? when the driver pays for use of the vehicle ? is on the rise. Almost 20 percent of today's buyers lease a car rather than take out a loan, according to the Home & Family Finance Resource Center.

Monthly lease payments are typically smaller. But the buyer turns in the vehicle at the end of the contract, based on a set number of miles and period of time, leaving him with no equity in the vehicle.

Another option, Dupaco's Mini-Max Auto Loan, offers the benefits of leasing with the advantages of ownership.

Before you decide how to finance your next vehicle, weigh the benefits and drawbacks of each option:

  • Do you plan to keep the vehicle short-term or long-term? If you like to get a new vehicle every two to three years, leasing might be the better route. When you lease, your intention should be short-term (36 months or less), when the vehicle is still under warranty and is least likely to need repairs. If you plan to keep the vehicle beyond that, you might be better off purchasing it to avoid wear-and-tear-related expenses that can come with leasing.
  • Leasing can offer a tax advantage. You usually pay a tax on the portion of the vehicle that you're using, rather than the full purchase price.?
  • Consider leasing if you plan to use the vehicle for business. Often, you can deduct leasing costs as a business expense. "Always talk to your accountant first to see if you can do it," Nicks says.
  • If you lease the vehicle, carefully structure the mileage in your contract. Every mile driven over the agreed-upon limit will cost you in the form of a mileage penalty.?
  • Before you lease, read the fine print. When a dealer advertises a great leasing option, the figure normally doesn't include taxes and other fees, and it often requires a down payment. Find out whether there's a turn-in fee, an excess wear and tear clause or other fees.?
  • Crunch the numbers. Use one of Dupaco's auto calculators to help you determine whether you should lease or purchase a vehicle.

By Emily Kittle

Source: http://dupaco.blogspot.com/2012/08/vehicle-leasing-right-for-you.html

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