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Archive for March 19th, 2012

Did You Know?

March 19, 2012 By: admin Category: Consumer Education

That in December of 1869,The territory of Wyoming passed the first women’s suffrage law?
The following year, women begin serving on juries in the territory.

That in 1893 Colorado was the first state to adopt an amendment granting women
the right to vote? Utah and Idaho follow suit in 1896, Washington State in 1910, California in
1911, Oregon, Kansas, and Arizona in 1912, Alaska and Illinois in 1913, Montana and Nevada in 1914, New York in 1917; Michigan, South Dakota, and Oklahoma in 1918.

That in 1896 The National Association of Colored Women was formed, bringing together more than 100 black women’s clubs? Leaders in the black women’s club movement including: Josephine St. Pierre Ruffin, Mary Church Terrell, and Anna Julia Cooper.

That in 1903 The National Women’s Trade Union League (WTUL) was established to advocate for improved wages and working conditions for women?

That in 1913 Alice Paul and Lucy Burns formed the Congressional Union to work toward the passage of a federal amendment to give women the vote? The group is later renamed the National Women’s Party. Members picket the White House and practice other forms of civil disobedience.

That in 1916 Margaret Sanger opened the first U.S. birth-control clinic in Brooklyn, N.Y.?
Although the clinic is shut down 10 days later and Sanger is arrested, she eventually wins support through the courts and opens another clinic in New York City in 1923.

That in 1919 The federal woman suffrage amendment, originally written by Susan B. Anthony and introduced in Congress in 1878, was passed by the House of Representatives and the Senate? It is then sent to the states for ratification.

That in 1920 The Women’s Bureau of the Department of Labor was formed to collect information about women in the workforce and safeguard good working conditions for women?

That on Aug. 26, 1920 The 19th Amendment to the Constitution, granting women the right to vote, is signed into law by Secretary of State Bainbridge Colby?

GREEN from Women-Drivers.com

March 19, 2012 By: admin Category: Consumer Education

By Anne Fleming
www.women-drivers.com

Green Vehicles
The federal government provides an income tax credit for buyers of hybrid vehicles up to approximately $3,200, depending on the model of the vehicle. Credits are phased out, however, after the auto manufacturer sells 60,000 hybrids.

Green automobiles are all the rage, and why shouldn’t they be? They’re environmentally friendly by lowering emissions and greenhouse gases in the atmosphere. These vehicles also save gasoline and save you on maintenance costs due to less wear and tear on major automotive parts. There are three types of green vehicles: hybrids, electric and hydrogen.

We want to do what’s right for the environment and our future generations, but in today’s ever-changing technological parade, sometimes it can be hard to keep up. Here’s the scene on all things green:
• Hybrids
Hybrid cars get their power from two different sources, often gas and battery. Hybrid vehicles do not plug in to anything, and average about 30-50 mpg. Usually, they have smaller engines that will let you get anywhere you need to go, but might possibly require an extra boost sometimes when going up a hill, so the battery will kick on. During braking and idling, the engine shuts completely off to save on gasoline and energy. When you apply the brakes, the energy exerted is transformed into heat and propels the car by way of the battery. The car is fully capable of running solely on the battery, but you should never let your hybrid run out of gas. It should not run on the battery alone for long periods of time, as it may cause damage to the car. However, a very positive aspect is the long life that comes along with the batteries of hybrid cars. These parts are well-engineered and designed to last a lifetime. On average, you will get a warranty that will cover the battery for 8-10 years, and you may never have to replace your battery – it completely recharges itself every time you drive the car.

Some other perks:
o Perfect for the stop-n-go life of the city dweller.
o Can acquire some tax breaks after purchase.
o Excellent warranties, most any dealer can repair and it shouldn’t cost more than the traditional gasoline-powered car.
o Body styles are smaller, lighter and more aerodynamic – they’re cute!

• Electrics
Electric cars are powered by an electric motor, instead of a gasoline engine. These cars need to be recharged on a daily basis by way of plugging your car into an outlet. The amount of time that the car needs to charge varies by model, but you will get around 160 miles per charge, if not more. The batteries in electric cars are extremely expensive and have a limited lifespan, but on the flipside, you do not have to perform oil changes or change spark plugs in this type of vehicle. Brakes also last longer because of their regenerative nature, and the maintenance costs are kept low because of the simplified structure. These cars average about 30-50 mpg, similar to hybrids.

• Hydrogen
Hydrogen cars function off a lithium ion battery and a hydrogen storage tank. The hydrogen mixes with oxygen to create enough energy to propel the car. These cars are not on the market yet, but look for the releases beginning 2008, and well into the future.

Gasoline
• Ethanol
There’s a revolution going on at the gas pump. The creation of “greener” gas has been created by adding renewable fuels, like ethanol, to the mix. Ethanol, or E85, is the product of the fermentation of plant sugars, such as corn and other grains. It sells at roughly the same price as gasoline, and doesn’t contaminate the water supply.

All vehicles have the ability to accommodate up to 10% of ethanol, but in order for a vehicle to operate using E85, your vehicle must be compatible for alcohol use. These fuels can be more corrosive than gasoline and damage the liners of the parts internally.

Some cars are flexible-fuel cars, and are readily able to accept either gasoline or ethanol. Over 6 million cars on the road today are E85 compatible, including such makes as: Chrysler, Ford, GM, Isuzu, Mazda, Mercedes, Mercury and Nissan.

If you have a vehicle by one of these manufacturers, you can find out if it is E85 compatible.

• Biodiesel
Most diesel operated vehicles can easily make the switchover to biodiesel fuel without too much trouble. There may be some problems, but they are able to be worked out. Biodiesel also lowers emissions and gases that cause pollution. More of the world’s gasoline is spared, and the maintenance costs on the vehicle are lowered.

Here are some things you can do, with or without a green vehicle, or green gasoline, to maximize your MPG.
1. Air conditioning – The more you use it, the more gas you’re burnin’.
2. Cruise control – If you have it, utilize it. This keeps your car moving at a steady pace, which prevents spikes in your gas level.
3. Don’t speed! This only uses more fuel! (I know, you know…)
4. Don’t do 100 mph on the highway; you’re reducing your aerodynamic drag. This also applies to having your windows open. These factors create more resistance, which makes your engine work harder, and your gas tank empty faster.
5. Idling – Unnecessary engine action. If you’re going to be sitting somewhere for a long time – even over a minute – you can save gas by shutting the car off, and restarting when needed.
6. Minimize trips – Factor everything you have to do and all the errands you have to run, and try to do them all at once.
7. Octane rating – Read your manual to find out which octane rating is right for your car, and use it.
8. Oil changes (and all preventative maintenance) – Helps to keep your car running just as the day you bought it. All parts remain clean and working properly with regular care.
9. Tires – Keep your tires properly inflated, now made easier with built-in sensors, to keep your car rolling down the road smoothly.
10. Weight – Don’t keep erroneous stuff in your car, this only bogs you down and slows the car

Beyond The Loan Application

March 19, 2012 By: admin Category: Consumer Education

By Rieva Lesonsky

Getting financing for your business starts way before you ever put pen to paper for your business loan application. Would you give yourself a loan for a startup or growing business?
It’s time to evaluate your strengths and weaknesses and maybe face some eye-opening realities.
Are you what your bank is looking for? Do you look good on paper but come off as arrogant in person?
Don’t underestimate the value of first impressions. Go in confident and convincing, without being pushy and condescending. Impart your passion for your business and your mission. Do some role-playing with a peer or SCORE mentor beforehand if possible. Ask this person to be honest with you about how you come across.
And don’t forget your personal references from business associates, vendors and customers. Bankers want to see that you have a good name in the community.
Are you an expert in your industry? You’d better be! And you’d better come prepared to answer any industry questions that are thrown at you. Make an appointment with your local SCORE office to speak to someone who knows your industry and find out what the latest trends are for your market. If your industry is experiencing a low point (or high point), be prepared to say what your business brings to the table.
Do you know what sets you apart from your competitors? Did one of your well-known competitors just go under? How do you plan to keep your business from meeting the same fate? You should also be prepared to discuss who and where your major competitors are, what sales channels your competitors use, and how much they spend on expenses such as payroll, marketing and operations. Know where your pricing falls compared to similar businesses and why you chose the price point you have.
Are you an important part of your community? Be ready to show your community involvement and how your business will improve the business and social climate of your town or city. Today, being involved in community charities or events could make all the difference in attracting customers, many of whom want to spend their dollars with businesses that contribute to the community.
Rieva Lesonsky is CEO of GrowBiz Media, a media company that helps entrepreneurs start and grow their businesses. Follow Rieva at Twitter.com/Rieva and visit her blog at www.SmallBizDaily.com . Visit her website www.SmallBizTrendCast.com to get the
scoop on business trends and sign up for Rieva’s free TrendCast reports.