Thursday, September 3, 2015

Local SEO Company Offering Affordable SEO Service

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Wednesday, September 2, 2015

2017 Mercedes-Benz S-Class Cabriolet Arrives After 44-Year Hiatus

2017 Mercedes-Benz S-Class Cabriolet Arrives After 44-Year Hiatus
It feels like an eternity since we first set eyes upon this latest generation Mercedes-Benz S-Class, and yet here we are, a year and a half later, still unveiling new versions like the 2017 S-Class Cabriolet, the first Mercedes open top flagship four-seater in some 44 years.
Slotting alongside the S-Class Sedan, the S-Class Coupe and the S-Class Maybach — along with the corresponding S63 and S65 AMG iterations — the S-Class Cabriolet, to be revealed in the flesh at this month’s Frankfurt auto show, promises to be the most luxurious soft top in its segment. Helping achieve that is a wealth of technologies like Airscarf; a concept that automatically adjusts the temperature around your head via vents and a heated headrest to ensure the wind in your hair doesn’t result in a chilly neck.

How thoughtful.

The Cabriolet also boasts a luggage compartment bulkhead and rear floor made out of magnesium and aluminum, maintaining the rigidity of the soft top as well as its modest weight (according to Mercedes, the open top weighs no more than the coupe). What’s more, the S-Class Cabriolet boasts a drag co-efficiency of just 0.29, making it incredibly slippery and thus, in theory (EPA estimates are not available), more fuel efficient. It’s also quiet, thanks to an acoustically-optimized three layer soft top, and best of all, the Cabriolet arrives with its own unique scent — Pacific Mood — that gently wafts throughout the cabin.

Come Frankfurt we’ll see the S-Class Cabriolet in two models — the 449 horsepower S550 model and the burly 577 horsepower, 664 lb.-ft. of torque S63 AMG variant, the first featuring a 9-speed automatic transmission, while the latter — which hits 60 mph in 3.9 seconds and delivers the pinnacle of bad hair days — arriving with AMG’s Speedshift 7-speed automatic. Pricing for all this open air madness is not yet released, but expect it to sticker considerably less than the 1971 280 SE 3.5 — the last of Mercedes’ open top flagships — which recently fetched $429,000 at auction. 

Click here for original article.

Thursday, August 27, 2015

Jaguar Releases Details, Single Photo of F-Pace Crossover Before Frankfurt Debut

Jaguar Releases Details, Single Photo of F-Pace Crossover Before Frankfurt Debut
Jaguar is late to the luxury-crossover game, but the new F-Pace crossover will pounce onto the scene next month, making its official debut at the Frankfurt auto show before hitting dealerships sometime during 2016 as a 2017 model. Jaguar isn’t waiting, however, to release a few details about the new cat’s claws—its chassis—as well as this image of the final product in a wild wrap, showing a few more details of the front end than we’ve seen before.
We can’t be sure it’s actually going quickly, since we take dynamic pictures like this all the time and it might only be going 10 mph. But let’s just pretend that it’s carving a hard left-hander at seven or eight times that speed, and that its freshly described double-control-arm front and “integral link” rear suspension setups are under full cornering load. If that is indeed the case, the trucklet’s flat attitude is impressive, giving credence to Jaguar’s claims that the aluminum-bodied F-Pace will handle with precision and control—or like the “ultimate practical Jaguar sports car,” to use the automaker’s terminology. Speaking of Jaguar sports cars, Jaguar says some of the F-Pace’s technology—specifically its electric power steering and brake-based torque vectoring—measures up to the stuff it developed for the F-type.

There are still many many more details to learn about the F-Pace, so we wouldn’t be surprised to see more tidbits trickle out of Coventry before the crossover debuts in Frankfurt on Tuesday, September 15, at 10:30 a.m. local time

Link to original article - http://blog.caranddriver.com/jaguar-releases-details-single-photo-of-f-pace-crossover-before-frankfurt-debut/

Monday, August 24, 2015

Used-Car Prices Hang In There At High Levels

Used-Car Prices Hang In There At High Levels
Used-car prices on average hit a record of $18,800 per vehicle in the second quarter, an eye-opening increase of $1,300 per vehicle on average from a year earlier, according to auto shopping and industry analysis web site Edmunds.com, in its latest Used Vehicle Market Report.
That’s important whether you’re in the market for a new or a used car or truck. Rising used-car prices imply rising new-car prices, too.
At a basic level, consumer demand is high. U.S. new-vehicle sales are expected to hit a near-record 17.2 million in 2015, and maybe set a new record in 2016, at around 17.5 million, according to the National Automobile Dealers Association.
Beyond the basics, today’s used-car market gets complicated. To a great extent, the U.S. auto market is still reacting to the sickening drop in new-car sales in the Great Recession.

U.S. auto sales bottomed out in 2009, the year that General Motors and the then-Chrysler Group went through bankruptcy restructuring. Ford avoided bankruptcy, but all three companies downsized. Familiar brands like Pontiac, Saturn, and Mercury got kicked to the curb.
New-car sales in 2009 were only 10.4 million. Analysts said that was the lowest point for U.S. auto sales per capita since World War II. That was nearly 3 million units below 2008, and 2008 was nearly 3 million units lower than 2007.
That drop in new-car sales meant the exact same size drop in used-car inventory, since after all, today’s new cars are tomorrow’s used cars.

Click here to read more from original article.

Thursday, August 20, 2015

Audi Readies Electric SUV To Outcharge Tesla Model X

Audi Readies Electric SUV To Outcharge Tesla Model X

The age of Tesla not being taken seriously by German luxury automakers closed a couple of years ago — and in a few weeks at the Frankfurt motor show, we’ll see a number of salvos from established automakers building electric models for high-end customers.

First up in the new wave: Audi, which today revealed this sketch of what it calls the E-Tron Quattro SUV concept, the precursor to a mid-size, battery-powered vehicle the company plans to launch in 2018 for regular production. According to Audi, the E-Tron Quattro will have a range of about 310 miles, impressive for a vehicle that’s somewhere between a Q5 and Q7 in size, due in part to some of the slickest aerodynamics ever developed for a SUV. One hint about its layout may be that Audi specified it seats only four; it’s likely that passenger space had to be sacrificed for battery room at that range.

Audi has been tinkering with pure electric vehicles for years, but has never built them in any real volume; its R8 e-Tron project was sold only as a special order car for more than $1 million a pop to European buyers. With the Tesla Model X due out by the end of the year, and BMW, Porsche and Mercedes all stepping up their electric car projects, the market for luxury EVs will only get more crowded from here.  

Click here for original article source.

Wednesday, August 19, 2015

Steve McQueen's 1976 Porsche 930 sells for $1.95 million in Monterey

Steve McQueen's 1976 Porsche 930 sells for $1.95 million in Monterey

1976 Porsche 930, originally ordered by Steve McQueen. Courtesy Mecum Auctions, unless otherwise noted. Click here for link to original article.

Steve McQueen had a passion for fast cars and a love of Porsche automobiles, so when the German automaker announced a range-topping 911 Turbo Carrera model (internal name, Porsche 930), the star wasted little time in placing his order. Described as the last automobile special-ordered by McQueen before his 1980 death, the Slate Gray 1976 Porsche 930 crossed the block in Monterey last Saturday, selling for $1.95 million with part of the proceeds going to charity. 

The 1976 Porsche 911 Turbo Carrera came standard with a 3.0-liter, horizontally opposed and air-cooled six-cylinder engine, rated at 234 horsepower in U.S. trim. While normally aspirated 911 models could be ordered with a five-speed manual transmission, early 930s came only with four-speed manual transmissions. Performance was spectacular for the day, with the run from 0-60 MPH taking less than 5.5 seconds, on the way to a top speed of 155 MPH. 

1976 Porsche 930, originally ordered by Steve McQueen. Photos by David Newhardt, courtesy Mecum Auctions, unless otherwise noted.

Steve McQueen had a passion for fast cars and a love of Porsche automobiles, so when the German automaker announced a range-topping 911 Turbo Carrera model (internal name, Porsche 930), the star wasted little time in placing his order. Described as the last automobile special-ordered by McQueen before his 1980 death, the Slate Gray 1976 Porsche 930 crossed the block in Monterey last Saturday, selling for $1.95 million with part of the proceeds going to charity. 

The 1976 Porsche 911 Turbo Carrera came standard with a 3.0-liter, horizontally opposed and air-cooled six-cylinder engine, rated at 234 horsepower in U.S. trim. While normally aspirated 911 models could be ordered with a five-speed manual transmission, early 930s came only with four-speed manual transmissions. Performance was spectacular for the day, with the run from 0-60 MPH taking less than 5.5 seconds, on the way to a top speed of 155 MPH. 

McQueen’s car, chassis 9306800408, was ordered with a sunroof, dual mirrors, black sport seats and a limited slip differential. Upon delivery, its stock wheels (seven-inches wide in front, eight-inches wide in rear) were swapped for one-inch wider versions in all corners, and a manual switch was added to deactivate the rear lights in case the car’s under-the-radar hue wasn’t enough to escape detection.

Saturday, August 15, 2015

Buy A New Dodge in South Bend

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Friday, August 14, 2015

2015 BMW M4 Convertible Manual

2015 BMW M4 Convertible Manual

 As the E92 BMW M3 was carving out its place in history, BMW’s self-appointed arbiters of purity immediately branded its optional sunroof the mark of a poseur. The sunroof precluded the carbon-fiber roof panel, which meant not only more weight but more weight higher up, thus raising the center of gravity. And any true M3 pilot acid-dips his helmet and goes shirtless on track days to achieve the lowest possible center of gravity.

Lead Head

By that thinking, the convertible is the bastard child of the M3/M4 family. Convertibles invariably weigh more than the coupes on which they’re based, but they don’t invariably weigh 14 percent more. Yet that’s the gain that this 4041-pound convertible represents over a similarly outfitted M4 coupe. A 485-pound weight gain is more what we’d expect when making a convertible out of a Chevrolet Tahoe. (Why not a Suburban, you ask? Because the proportions would be all wrong.) However, there is one bright spot in the M4 droptop’s weight gain—optimized distribution of the extra pounds. Whereas the coupe carries 52 percent of its weight over the front wheels, the complex mechanism that folds and stows the three-piece metal top shifts the weight bias rearward, to the point that 52 percent of the convertible’s weight is riding on the rear Michelins.

That mechanism is certainly responsible for a lot of the extra pounds, as is the roof itself. And then there’s all that structural bracing. Cut the top off, and you have to stiffen the remaining tub. In the M4’s case, they should have stiffened it even more. With the top down, a wholly un-M level of cowl shake takes over the M4. The sturdy top lessens the quivering when raised, but even then hidden bits emit rattles.

Excellence Extended

But not even an extra quarter-ton dulls the 425-hp straight-six’s enthusiasm. It still accelerates as though its torque curve were brick-shaped, with a vertical line at 1850 rpm making a 90-degree turn at 406 lb-ft and proceeding to the redline with nary a divot. The convertible matched the aforementioned, manual-transmission coupe at 4.1 seconds to 60 mph. They were even through the quarter-mile, too, at 12.4 seconds, although the convertible tailed by 4 mph. So drag racers, stick with the hardtop.
Dropping the top is the best way to listen to the blatty rip from the twin-turbo six’s quad tailpipes. As we’ve done with a handful of these cars now, we pulled up the trunk floor liner and removed the fuse for the sound-enhancing function, cutting the artificial flourishes BMW pipes through the audio speakers for a purer exhaust note.

Its weight may not slow down the convertible in a straight line, but it starts to have an impact when the road bends. We hit just 0.94 g on the skidpad—compared with 0.98 for the coupe—but, even if it doesn’t grip as tenaciously and is less willing to change direction, the convertible retains the M4’s characteristic tail-happiness and is still a near-perfect drift tool, particularly given the twin-turbo six’s fat lot of torque.
The M4 convertible’s sticker is equally swollen. At $73,495 to start, it wallops your wallet to the tune of $8300 over the coupe. A healthy options tab—including carbon-ceramic brakes, adaptive suspension, 19-inch wheels, and a bunch of luxury trimmings—pushed this example to $90,670. An M4 convertible could be optioned up to $100,000. Enough M4 goodness remains in the convertible that we still enjoy it in spite of its compromises, but at more than $90,000, it does get harder to love.

Link to original source - http://www.caranddriver.com/reviews/2015-bmw-m4-convertible-manual-review

Tuesday, August 11, 2015

George Takei: The King of Social Media Takes on Fitness and Trolls



George Takei may be big on social media, but he’s not so big on other forms of interactive entertainment.

“I am not a gamer,” he admits.

When he finds a few moments to futz around on his iPhone 6, he gravitates more toward Twitter or Facebook than to Angry Birds or Temple Run. And yet he’s agreed to be the public face for a suite of upcoming gaming fitness apps from Fit Entertainment.

Takei, a lifelong fitness enthusiast who has participated in several marathons, will appear as the first celebrity avatar for the apps, which include Fit Go Run and Fit Go Step Challenge. He also plans to release his own fitness apps in the future.

“I was attracted [to this app] by the idea of proselytizing fitness,” he told Yahoo. “That’s something I do every day. And if we can get people to exercise via a video game, I think that’s a good thing.”

Running an online empire

When he isn’t exercising, Takei is lording over a massive online following: He boasts over 10 million fans on Twitter and Facebook. But he doesn’t do it all by himself.

While Takei spends parts of his weekends personally prowling social media, many of the posts on his accounts actually come from his staff.

“I’m not in front of the computer all day long,” he says. “[Takei’s husband] Brad took over, and now we have a whole staff that helps out, and I spend the weekend commenting on them. It used to be a pop-and-pop shop — rather than a mom-and-pop — but we have become a major industry.“

But while Takei enjoys interacting with fans, the legendary Star Trek star is increasingly worried about the mob mentality that’s come to dominate social media. Whether it’s the aggressive tactics of the Gamergate movement, the uproar that followed the death of Cecil the lion or the bullying of school kids, Takei is concerned about how we connect with one another online.

image
Having a drink with some old friends. (Photo: AP Photo/Bob Galbraith)

“The thing about social media is it’s very democratizing,” he says. “But the dark side can be very hurtful. Initially, the optimistic view was that social media was a chance to expand the town square, to a global town square where we can share ideas. But then the underbelly appeared. When [trolls] organize, they become a real threat to vulnerable people.”

Click here to read more!

Monday, August 10, 2015

Video Storytelling App Flipagram Raises $70 Million Scores Major Music Deals

Video Storytelling App Flipagram Raises $70 Million Scores Major Music Deals
For the first time since Google GOOGL -0.89%, venture capitalists and billionaires Michael Moritz and John Doerr have just joined the same startup’s board: Flipagram, a storytelling app where users can make music video-like clips with photos and videos.
The free, two-year-old social app announced on Thursday that it raised $70 million in a Series B round, led by Sequoia and joined by Kleiner Perkins Caulfield & Byers and Index Ventures. Flipagram also said Moritz and Doerr are new additions to its board of directors. The app appears to be making a push to position itself as the social app that is best integrated with music. Flipagram also revealed it has secured deals with several major music labels and publishers, creating what it calls a ”comprehensive catalog” of millions of song clips, which users can include as soundtracks behind videos or buy through the app.
Flipagram, based in Los Angeles, Calif., had more 3o million monthly active users by the end of 2014, although it hasn’t released more recent figures. The app allows you to quickly combine photos, videos, links, text and music into short, edited video clips that are about thirty seconds long on average and can run up to one minute, longer than Vine or Instagram videos, but shorter than Facebook or YouTube videos, which often last several minutes. Flipagram’s goal is to allow users to make videos with narrative and emotional depth, while at the same time being extremely fast and easy to use, Mohit said. Flipagram plans to use its new funding primarily to attract top talent and support the infrastructure required to run the app, cofounder and CEO Farhad Mohit told FORBES.
Comparing Flipagram to other social apps, Mohit said YouTube videos can offer more involved narratives, but are usually more difficult and intimidating to make. On the other side of what Mohit described as a ”deep-to-shallow,” “easy-to-hard” spectrum, Twitter and Instagram are focused on quickly capturing individual moments, or in the case of Snapchat, glimpsing them temporarily. Mohit said Flipagram has a different use-case than all of the above. Flipagram, he said, is geared toward memorializing events — like a wedding, graduation, or party — or making a self-expressive collage that are built to be saved and can be shared with friends or celebrities. As a result, the creation process on Flipagram is a little bit more involved than sending a tweet or a snap, he said. However, features like the video editor, which automatically breaks down users’ videos into one-second clips that they can quickly string together, make the process easy. Songs and photos can be added with a few taps, and the finished clip, called a Flipagram, can be shared, liked and commented on both within the app and elsewhere online.
Before starting Flipagram, Mohit founded shopping search engines Shopzilla, which was acquired for $525-million in 2005. His intent with Flipagram is to bring it to the masses, both by working around language as a barrier to sharing, and by making the app extremely intuitive, he said.
“We believe that storytelling is the path to deeper connections on social media,” Mohit told FORBES. “We might be onto the narrative object for the billions.”
More than 14 million Flipagrams were created per month in the first quarter of 2015, the company said. The typical user is under the age of 25 and female, and the majority of Flipagrams are made internationally. On Thursday, the Flipagram ranked seventh in the U.S. photo and video app category on iOS, according to app analytics firm AppAnnie.
“The partners really believe that Flipagram will be a major media creation and sharing company, on the order of a Twitter or more,” Doerr told FORBES.
Courtesy Flipagram
Courtesy Flipagram
Music Deals
Flipagram’s licensing deals involve major players such as Universal Music Group, Sony Music Entertainment, Warner Musicand and The Orchard, among others. According to Doerr, these deals make Flipagram a unique, competitive player in the social space.
“Farhad, to cut all of the deals and the arrangements with the owners and get these complicated rights is an amazing accomplishment, and you just can’t take it for granted,” Doerr told FORBES.
Mohit argues that for the music companies, the app isn’t a threat but a tool through which musicians can engage more immediately with fans, as well as an opportunity for artists to expose their music to more listeners. A song a friend uses in the background of a yoga or cooking video – how-to videos are popular on the app – might prompt you to pay for the song by following links Flipagram includes within the app to iTunes and Spotify. Flipagrams can also link to other outside sites.
“Universal Music Group has a long track record of working with innovative new digital services like Flipagram to engage fans and provide new commercial opportunities for our artists,” Francis Keeling, global head of digital business at Universal Music Group, said in a statement. “We’re looking forward to watching millions of Flipagram’s users express their creativity in videos set to our artists’ music.”
The Community
In addition to the everyday user, hundreds of celebrities and shakers are on Flipagram. The app said it doesn’t pay stars to join the app, and that their presence on the app grows mostly organically. Deepak Chopra, Jessica Alba, Jamie Foxx, Britney Spears, Garth Brooks and One Direction are among the app’s big names. If an artist or influencer likes a fan’s post, the app puts a badge on the user’s post showing which star liked it. Beyond searching for specific friends or stars, users can also find Flipagrams within a number of channels such as animals, humor, dance and music, selfies and besties, food, art, family, sports, health and fitness. Famous or not, any user can create a profile where they can save their Flipgrams or share posts to their followers. Companies and brands can also create accounts and Flipagrams.
“The first time you share a Flipagram, the first time you tell a story, you get that thrill of ‘Wow, I’m a storyteller,’” Mohit said. The thrill of being able to quickly make something meaningful could very well be what Flipagram needs to stand apart from the pack.
Correction: A previous version of this article said more than 14 million Flipagrams were created in the first quarter of 2015. In fact, more than 14 million Flipagrams were created per month during that quarter.

Link to original source article -
http://www.forbes.com/sites/kathleenchaykowski/2015/07/17/video-storytelling-app-flipagram-raises-70-million-scores-major-music-deals/

Sunday, August 9, 2015

Video gamers win millions of dollars in Seattle championship

Video gamers win millions of dollars in Seattle championship

By Curtis Skinner

SEATTLE (Reuters) - Teams of video gamers playing characters ranging from wizards to monsters exchanged virtual punches, fireballs and lightning strikes over the past six days, battling at the main event of the Dota 2 International 2015 tournament in Seattle.

And by the end of Saturday's finals, five players, including a 16-year-old, became more than a million dollars richer.

Now in its fifth year and playing to a sold-out crowd in the 17,000-seat Key Arena, the International has grown every year in size, popularity and possible winnings for players. The tournament launched in 2011 with a then-groundbreaking grand prize of $1 million and now offers an $18 million prize pool.

Fans, handfuls of whom roamed the arena dressed as their favorite in-game heroes, roared as the team "Evil Geniuses" secured the championship, wiping out their enemies with an earth-shaking smash and a devastating blast of frost.

Video games have long been a moneymaker for the tech sector, forecast to generate some $111 billion in revenue this year by consultants Gartner Inc. But over the past several years, playing them has turned into a full-time job for a select few top-tier players, as interest and prize pools have ballooned.

According to Valve, the publisher of Dota 2, about 11.5 million users log on monthly to play the game, in which two teams try to destroy each other's bases in an online arena.

Players and teams came to the United States from China, South Korea, Ukraine, Russia and elsewhere to compete for a share of the prize pool - with roughly $6.6 million going to the winning five-player squad.

Though while the tournament was international in scope, the home team Evil Geniuses drew the most support, with fans chanting "U-S-A" and "E-G" with each spectacular play.

Syed Sumail Hassan, 16, who moved from Pakistan to Illinois chasing his dreams of being a professional gamer and is most known for playing a powerful electricity-based champion for the team, said after winning the tournament: "It just meant everything to me."

Tickets for this year's event sold out and hundreds have registered to attend so-called "Pubstomp" viewing parties at bars and internet cafes in cities from Los Angeles to Sandy Springs, Georgia.

Hundreds of thousands of fans have tuned in daily this week to watch streams of the event on sites such as Twitch.TV, while thousands more have packed into the arena to cheer on their favorite players live.

Ben Mussett, 24, drove two days from his native Ohio in a car packed with friends. He said he found watching video games, which he and other young fans refer to as "eSports," more appealing than traditional spectator sports like basketball and football.

"Traditional sports are kind of boring," Mussett said, "eSports are the future."

His pal, 24-year-old Becca Eagen, agreed: "I've never watched or enjoyed sports the way I've enjoyed this."

(Reporting by Curtis Skinner; Editing by Scott Malone and Digby Lidstone)

Friday, August 7, 2015

Hottest. Couple. Ever: Rob Lowe and John Stamos Reveal They "Dated for Years"

Hottest. Couple. Ever: Rob Lowe and John Stamos Reveal They

Stowe? Lomos? Job?

OK, they may not have the best options when it comes to their name as a couple, but there's no doubt about it: Rob Loweand John Stamos are Hollywood's hottest couple.

But wait, you might be asking, isn't Lowe happily married? Why yes, yes he is. But Lowe and Stamos hilariously revealed their secret relationship at the Television Critics Association summer press tour on Thursday while promoting their new Fox series.

During a panel for his new comedy The Grinder, Lowe was basically asked if he and Stamos have ever bonded about their "criminal" handsomeness.

Lowe, of course, was more than game to riff on their good looks, saying, "As a founding member of Jimmy Kimmel's Handsome Men's Club, Stamos has been up for membership. So far, the board hasn't voted him in yet."

Say whaaa?! So what's the hold up? "Sting is really lobbying hard on his behalf," Lowe joked. "David Beckham has blackballed him every time he's gotten close. I am looking forward to when John eventually makes it in. It's a wonderful club."

Oh, it gets even better. Set to take the stage after Lowe to promote his own comedy, Grandfathered, Stamos, out of nowhere, from the back of the ballroom, yelled, "Rob, tell the truth, we've dated for years!"

Too. Much. Handsome. For. One. Couple. Right?!

But seriously, have the handsome duo actually ever met? Well, Lowe said it's possible.

"There's a rumor that in my lost decade that I may or may not have sat on the lifeguard tower on the Beach Boys concert as John was playing the drums," he quipped. "There's talks I did it. I've seen footage of it. But I have very little memory. Yes, that was my John Stamos moment. And he's a hell of a drummer!"

In case you didn't know, Stamos is friends with the band and has actually played drums for the Beach Boys before, including on Full House! He also appeared in their music video for "Kokomo" in 1988.

The Grinder and Grandfathered both premiere Tuesday, Sept. 29, on Fox.

Link to original source - http://www.eonline.com/news/683962/hottest-couple-ever-rob-lowe-and-john-stamos-reveal-they-ve-dated-for-years

Thursday, August 6, 2015

Do You Want Your Business On Page One Of Google

Right here's the huge question, can your clients locate you on Google as well as Youtube? If you're not on search page one of either, then the chances are pretty good they are not finding you and that's an issue.

Here it is, few people bother exceeding search page one of Google or Youtube to discover just what they are looking for. Consumers believe that just what they require will be discovered on web page one so no need to look any further.

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Wednesday, August 5, 2015

What's a Balance Transfer and Why Should You Do One?

Credit card debt is notorious in the United States. With revolving debt, which includes credit cards, climbing from $5.8 billion to $8.9 billion in the past year, according to the Federal Reserve, it's clear that Americans need help paying off their debt. The key to paying off credit card is to try and have an interest rate that’s as low as possible — that way you can concentrate on paying the balance and not the interest. Many people have credit cards with purchase APRs ranging from 13% to 25%, meaning they pay a lot of extra money each month if they don’t pay their bill in full. That’s where a balance transfer can help you not only save money, but also give you more opportunity to pay off your debt.

What’s a balance transfer?

Simply put, a balance transfer is when you transfer the balance, either partial or full, from one credit card to another credit card. To be clear, transferring your balance from a card with a 20% APR to a card with a 15% APR might not be worth it, especially considering most cards charge 3% (usually with a $5 minimum) of the total balance your transferring. However, if you qualify for a credit card with 0% intro APR on balance transfers, you could save a lot of money.

Here’s an example: Let’s say you have $15,000 of credit card debt on a single credit card with an APR of 15%. If you are able to pay off the balance in full in 12 months by paying the same amount each month, you’ll accrue about $1,250 in interest charges. On the other hand, if you decided to transfer your $15,000 balance to a credit card with a 12-month 0% intro APR on balance transfers, you’d pay only $450, assuming there’s a 3% balance transfer charge. That’s a savings of more than $800. Not only that, but some credit cards will allow you to transfer your balance for free!
It should be noted that if you have a rather large amount of credit card debt, a personal loan may be the best option for you. Use our guide to help you decide.

How does a balance transfer work?

Once you’ve applied and have been accepted for a new credit card, you’ll need to initiate a balance transfer from your old card to the new one. You can do this either online or by calling the new card’s issuer. Some cards, like Chase Slate, allow you to enter your balance transfer information from your old card on the application page so it will be initiated immediately should you be approved. To transfer your balance to a new card, you’ll need your old card’s number, the bank name and the amount you’d like to transfer. Make sure to verify that the transfer went through by checking both accounts either online or by calling. The balance transfer can take as long as seven days to complete, so it’s important to still make payments on your old card until the statement signifies the transfer has been made.

Best credit cards for a balance transfer

There are a number of credit cards that are designed for balance transfers. Here are four of the best options:
Best balance transfer card: Chase Slate
Chase Slate is the ultimate balance transfer credit card. For the first 60 days your account is open, you’ll be able to transfer a balance from other cards for free. That means you can save hundreds of dollars on balance transfer fees for two months! After that, you’ll be charged 3% on each transfer with a minimum of $5. You’ll also get a 15-month 0% intro APR on balance transfers, as well as a 15-month 0% APR on purchases you make with your Chase Slate card. What makes the card even better is that there’s no annual fee and you only need “good” credit to qualify instead of “excellent,” which is common for these kinds of cards.
Longest 0% APR: Citi Simplicity Card
If you’d like some extra time to pay off your transferred balance, the Citi Simplicity Card (a NextAdvisor advertiser) is the perfect choice for you. With a whopping 21-month 0% intro APR on balance transfers and purchases, you won't have to pay any interest until 2017! Although the card has a balance transfer fee of $5 or 3% of the total (whichever is greater), you'll never be charged late fees, penalty rates or an annual fee — ever!
Best balance transfer card with rewards: Discover it Card – Balance Transfer
What makes the balance transfer version of the Discover it Card so useful is that you get an 18-month 0% intro APR on balance transfers, as well as a six-month 0% intro APR on purchases. This will give you plenty of time to pay down your debt without having to worry about future interest charges. The balance transfer fee is 3% of each transfer, but unlike most other balance transfer cards, you’ll be able to earn rewards with this Discover it Card. You’ll earn 5% cash back on select rotating categories on up to $1,500 worth of purchases, as well as unlimited 1% cash back on everything else. There’s no annual fee, and you’ll get your free FICO score every month.
Lowest long-term APR balance transfer card: Barclaycard Ring Mastercard
The Barclaycard Ring Mastercard is especially handy if you have a large balance that may take you a longer amount of time to pay off. While there’s no 0% intro APR, the card offers a considerably low APR (8% variable) on balance transfers and purchases, which means you'll likely have a low APR for as long as you pay your bill on time each month. In addition, the Barclaycard Ring Mastercard also has no balance transfer fee, which can save you 3-5% of your total balance.

Want to learn more about balance transfers? Use our balance transfer calculator to see how much money you could be saving and find the best card for your needs.

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Tuesday, August 4, 2015

The World's Billionaires


The Richest People On The Planet 2015

Despite plunging oil prices and a weakened euro, the ranks of the world’s wealthiest defied global economic turmoil and expanded yet again. For our 29th annual guide to the globe’s richest, we found a record 1,826 billionaires with an aggregate net worth of $7.05 trillion, up from $6.4 trillion a year ago. The total includes 290 newcomers, 71 of whom hail from China. Youth are on the rise: A record 46 among the ranks are under age 40. One earthward note: The average net worth of list members came in at $3.86 billion, down $60 million from 2014.
Bill Gates is once again the richest person on the planet, a title he’s held for 16 of the past 21 years. His fortune grew $3.2 billion since last year to $79.2 billion, despite a gift of $1.5 billion in Microsoft MSFT +1.56% shares to The Bill & Melinda Gates Foundation in November 2014. Carlos Slim Helu of Mexico comes in again at No. 2 while revered American investor Warren Buffett took back the No. 3 spot from Spain’s Amancio Ortega (now No. 4); not even the largest IPO in history was enough to beat the Oracle of Omaha this year. Buffett was the list’s biggest gainer, up $14.5 billion to $72.7 billion, thanks to Berkshire Hathaway’s rising share price. Facebook’s Mark Zuckerberg moves up 5 spots to number 16, his first time ranked among the world’s 20 richest. Ma and three other Chinese are among the the biggest gainers and appear among the 50 richest on the list.
Zuckerberg is also the leader in a youth revolution that has minted 46 billionaires under the age of 40. The youngest billionaire on the planet is Evan Spiegel, 24, co-founder of photo- messaging app Snapchat. California, driven by Silicon Valley tech companies, has spawned 23 new billionaires, including cofounders of car-hailing service Uber cofounders Travis Kalanick and Garrett Camp, and their first employee Ryan Graves. Elizabeth Holmes, who runs blood-testing firm Theranos, debuts on the global list as the youngest self-made woman at age 31. The state now has 131 individuals with 10-figure net worths, more than any other country besides China and the U.S.

One hundred thirty-eight people from the 2014 list dropped out of the ranks altogether including fashion designer Michael Kors, Ukrainian President Petro Poroshenko, Zulily’s Mark Vadon and many Russians. Guatemala has a billionaire for the first time, and Iceland returns to the ranks after a five-year absence, the result of a comeback by Thor Bjorgolfsson, who’s now the only billionaire in Iceland’s history.

There’s no doubt that entrepreneurship is thriving globally. Fully 1,191 members of the list are self-made billionaires, while just 230 inherited their wealth. Another 405 inherited at least a portion but are still working to increase their fortunes.
Our estimates show a snapshot of wealth on Feb. 13, when we locked in stock prices and exchange rates from around the world. If a stock market wasn’t open on that day, we used the stock price from the previous trading day.

Sunday, August 2, 2015

Shelby Offers “Disappointed” Hellcat Customers A Deal On A Supercharged Mustang

Shelby Offers “Disappointed” Hellcat Customers A Deal On A Supercharged Mustang
“You can’t park a voucher in your garage,” says Keith Belair, Shelby American Chief Operating Officer, in response to Dodge canceling 900 orders for Hellcats and forcing would-be owners to wait until 2016 for their 707 horsepower muscle cars. In an effort to try snag those “disappointed” buyers, Shelby swung for Dodge today by saying it can build its 850 horsepower Super Snake immediately, and in return for jumping ship, the Vegas-based tuner will even throw in some upgrades.
While the free upgrade has a value of $2,995, as far as we can tell, it’s merely some fancy leather seating. Called the “Katzkin Package,” the picture Shelby sent in its press release (below) is of leather-wrapped seats with some red on it. Its website has no further description of the package, and neither does its release. So what is Katzkin? Well, it’s a company that makes custom leather treatments, so yeah, it’s probably that.
image
Regardless of Shelby’s incentive, the car it’s offered within is mighty impressive — the 850 horsepower Super Snake. Based on a Ford Mustang GT, the Super Snake package adds a whopping supercharger, some bodywork upgrades and a wealth of suspension and exhaust tunings. It really is a totally new car, and while the basic Super Snake arrives with 750 horsepower, to get your free leather you’ll need to option the 850-hp upgrade. 

What will that cost? $54,995.

On top of that you’ll need to provide Shelby with a 2015 Ford Mustang GT. Even the cheapest GT retails for $32,300, so the bare minimum you’ll snatch a Super Snake for is a tick below $90,000. In all likelihood, you’d likely surpass that mark, and despite both the Charger and Challenger Hellcats receiving substantial dealer markups, that’s still around $20,000 in additional costs.

However you do get an extra 150 horses, which isn’t insignificant: “(Buyers) now have the chance to buy the car that would have likely left their Hellcat at the last traffic light,” says Gary Schechner, Shelby American VP of Marketing. “And now they’ll be able to do it from the more comfortable seats of their Shelby Super Snake.”

The word “Hellcat” made social waves when it was first released over a year ago, and even now, it still holds incredible weight. It’s no surprise, then, that Shelby American would try to capitalize on the virality of it all by offering “comfortable seats” and throwing a few weighty punches in Dodge’s direction. 

Wednesday, July 29, 2015

Niles Used Cars Showcasing The Very Best Used Cars In Niles Indiana

Lochmandy Motors is synonymous with Elkhart used cars. They are one in the same with their long standing custom of caring and offering
extraordinary service.

Lochmandy Motors is proud to be a part of the Michiana community since 1954. They launched with the founding of Lochmandy Buick, by Michael Lochmandy, in 1954.

Their current site was built in 1995 and is home of one of the biggest brand-new car dealerships in Elkhart county.

Lochmandy Motors has a team of over one hundred individuals and sell over 1500 vehicles a year.

Lochmandy Motors was started on the principle of a "Tradition of Caring". This is the approach of treating the customer as you would wish to be dealt with.

They are right here to assist you in locating your best Dodge, Jeep, Chrysler, RAM, Buick or GMC match, in Elkhart, Indiana.

At Lochmandy Motors, it's not just about getting an auto. It's about locating the best car for YOU. That means, they make the effort to get to understand you, your visual preferences, your pastimes, and your driving behaviors.

This is true whether you determine to lease or buy a brand-new Dodge, Jeep, Chrysler, RAM, Buick or GMC. Whether you're together for two years or twenty years, Lochmandy Motors wants to make certain you never ever regret your choice.

Naturally, they pay equally as much special attention to used-car consumers, who flock to Lochmandy Motors from South Bend, Mishawaka and Goshen, for their convenient location and also stellar used-car variety that's really much more "like-new" than it is "used".

Lochmandy Motors even has your brand-new Dodge, Jeep, Chrysler, RAM, Buick and GMC and used-car funding covered. And, their state-of-the-art car repair work facility is more than capable of satisfying every one of your routine maintenance and also vehicle repair service requirements (e.g., oil changes, tire rotations, as well as alignments).

Come visit them today!

Tuesday, July 28, 2015

2016 Ferrari 488 Spider: The 661-hp 488GTB Dons a Folding Roof

The least-interesting thing we can say about Ferrari’s new 488 Spider is that it’s little more than a 488GTB with a retractable hardtop

Nor is the alfresco Ferrari much of a surprise—we’d be more shocked if Ferrari had announced the 488GTB would stay a fixed-roof coupe only. Everything else about the 488 Spider (no GTB in its name), however, is supremely interesting and exciting.


Boring, of course, is a difficult achievement for any lithe, lightweight Italian supercar motivated by a 661-hp, twin-turbocharged, mid-mounted V-8 engine. Slathering an extra layer of wow over the 488GTB’s already wow-inducing aura is the 488 Spider’s retractable roof, which grants access to that wailing exhaust note and the sun, stars, and wind.

Each trip up and down takes the 488’s roof 14 seconds, and the compact assembly pancakes into a shallow nacelle behind the seats. According to Ferrari, the retractable hardtop weighs 55 pounds less than an equivalent soft top, although there’s no word on whether said soft top was soaked in water or maple syrup before the numbers were crunched on that weight comparison.

A small glass rear window operates independently of the top and can be lowered to three separate positions to either let more exhaust sound in with the top up or, more usefully, to act as a wind blocker with the top down. The speedster-style rear-deck humps behind each passenger’s headrest bring some much-needed flair to the 488GTB coupe’s toned-down surfacing (relative to the old 458 Italia), making the Spider pleasantly more dramatic in appearance. As with the 458 Spider and 458 Italia, the 488GTB’s transformation into the 488 Spider isn’t expected to carry much of a weight penalty. Which means the Spider should be able to maintain the GTB’s epic performance envelope.

We’re told to expect the 488 Spider to appear next summer after making its auto-show debut this fall in Frankfurt; the price tag will be in the neighborhood of $275,000, roughly $30,000 dearer than the 488GTB’s base figure but slightly below that of the McLaren 650S Spider.






Sunday, July 26, 2015

700-HP Blade Is The World’s First 3D-Printed Supercar

Plenty of auto manufacturers are making various attempts to make their cars greener and better for the environment. Hybrids, electric vehicles, and biofuel are just a few current advancements that are making ripples in ending dependence on fossil fuels. Now, showcased by the phenomenally light and quick 3D-printed Blade supercar,Divergent Microfactories, wants to not only make a splash, it wants to create a game-changing tidal wave.
Billed as the world’s first 3D-printed supercar, the Blade is currently showing off in San Francisco at the Solid Convention. It’s a gathering to display disruptive new products and technologies birthed from mixing ideas and services from the worlds of software, hardware, and data. The Blade is Divergent Microfactories’ contribution. Let’s look at its makeup and specs before explaining DM’s ultimate goal.

The Blade is built with a completely new type of tech. The chassis is made of modular 3D-printed metal alloy pieces called nodes. They are connected with carbon fiber tubes to create a super lightweight frame that DM claims could be built in 30 minutes. It’s kind of like K’Nex for adults. In the video below, it even shows the circus trick of carrying the full arrangement of nodes in a backpack. The total weight of the chassis is only 102 pounds (61 from the nodes, 41 from the carbon fiber). The total weight of the Blade is 1,388 pounds. For a quick bit of reference, the Ariel Atom weighs 1,350, and a Bugatti Veyron weighs more than 4,000.
If we’re to believe DM, the Blade is powered by a 700-horsepower turbocharged engine that runs on compressed natural gas or regular gasoline. DM claims it’ll go 0-60 in “about two seconds.” An Atom 3 (which has 230 bhp) goes 0-60 in 2.9 seconds, and a Veyron Super Sport (which has 1,200 hp) goes 0-62 in 2.5. All very different machines with different approaches.

So what’s the point? Why haven’t I mentioned any MPG figures or alternative fuel options? Well, DM wants to cut the emissions from a different angle by completely changing the process of car manufacturing. CEO Kevin Czinger points out that 80-90 percent of environmental damage comes from the manufacturing process.
“Our focus is to radically reduce the materials, energy use, pollution and cost of car manufacturing, and to put new tools of production and innovation into the hands of small teams around the world,” DM says in a release. “To achieve this, we will provide the necessary tools for people to set up a microfactory, and the technologies to allow them to build vehicles. We will also sell a limited number of high performance vehicles that will be manufactured in our own microfactory.”
That means DM doesn’t simply want to produce cars, it also wants its technology and approach to spread to other products and services, as well. As for the Blade, though, DM is thinking it could build about 10,000 annually. By building them in smaller factories that require less machinery and less energy, consumption and pollution would, as a result, go down.

Tuesday, July 21, 2015

This Will Be Awared To One Lucky Winner

Long before the Hellcat moniker adorned the Dodge Challenger or Charger, it found itself attached to a plane, flying high over the Pacific Ocean. That aircraft was the storied Grumman F6F Hellcat, and it gave United States airmen in World War II a fighting edge against swift Japanese Zero fighters. 
While its fighting ability may be decades old by today’s standards, its legend is still very much alive, and today it forms the inspiration between this hulking muscle car brute–the sinisterly named Challenger Hellcat X.
It’s simply a beast. The Dodge retains its supercharged 6.2-liter Hemi V8 but now complements it with Hellion twin turbochargers to generate a massive 805 horsepower of grunt. And best of all, it’s free. The Hellcat X was created by the 2015 Dream Giveaway sweepstakes and will be awarded to one lucky grand prize winner.


The outrageous power figures don’t end there either. Whereas the standard Dodge Hellcats wallop 650 lb-ft of torque, the Challenger Hellcat X pushes that number to 800 lb-ft. Yikes. Dream Giveaway says it hasn’t tested its acceleration on track yet, but given the massive energy lying under that hood…it’s almost guaranteed to be fast. Its newly applied rear spoiler and sizable front splitter would suggest it is.
But if one muscle car giveaway weren’t enough, the organization will also throw in a 1970 Dodge Challenger R/T, which comes complete with a 440 cu. in. V8 and a pistol grip four-speed manual–all in the name of charity.