It girl turned Golden Girl! Lupita Nyong’o

Lupita Nyong’o is taking the world by storm, one award at a time!”

Humble, classy, energetic, stylish, gorgeous and she won an Oscar in her first major film!
Taking all red carpets, award shows and special appearances by storm with her fashions, Lupita Nyong’o has been dubbed Hollywood’s It Girl. And it’s safe to say we are going loopy over Lupita.
It’s a breath of fresh air to see a new, natural and exquisite figure with the attitude to go along with it, grace the red carpet season. Lupita has brought reality back to Hollywood.
“What I’ve learned for myself is that I don’t have to be anybody else and that myself is good enough… “When I’m being true to myself, I can avail myself to such extraordinary things — such as this!”
With extraordinary talent and an exquisite fashion sense she has been all the buzz since she accepted the Best Performance by an Actress in a Supporting Role award for ‘12 Years a Slave’, during the Oscars on Mar. 2, 2014 in Hollywood, California.
“Thank you to the Academy for this incredible recognition. It doesn’t escape me for one moment that so much joy in my life is thanks to so much pain in someone else’s. And so I want to salute the spirit of Patsey for her guidance. And for Solomon, thank you for telling her story and your own……When I look down at this golden statue, may it remind me and every little child that no matter where you’re from, your dreams are valid! Thank you.”
Her influential acceptance speech was filled with empowering, aspiring and heartfelt words for all who watched and listened. From the youngest girl, to the oldest man all were able to take something away from her speech. Every time she makes an appearance she manages to say something enlightening that can be inspirational to all. She has totally won the worlds heart with her charming and humbling one-of-a-kind spirit.

Not only has she taken the world by storm but social media has taken a toll on her success as well! Nyong’o has become a fashion icon. Upon her arrival, posts and pictures began circulating filled anticipation, who is she going to wear, what style dress, what color, how will she accessorize, who is she going to bring? All questions were answered when she arrived wearing a baby blue Prada Princess dress that she described “Champagne bubbles”, and was accompanied by her brother, Peter Nyong’o.

Nyong’o’s princess gown reminded social media users of Disney’s ‘Cinderella.’ Although Lupita has social media roaring with her twirling dress, band golden smile, it is her brother Peter may have taken the cake. As host Ellen DeGeneres takes an A-list selfie, he managed to take the opportunity and get in on the picture. He was seen more than Academy winner and sister Lupita! As Peter encouraged and embraced his sister after she received her award, soon followed the world. We wish nothing but greater success on your future endeavors’! Stay beautiful, stay true, stay YOU!

The 7 benefits of video blogging

A Video Blog, also known as a “vlog” is a clever way to increase brand awareness, gain a greater following and most importantly, generate additional business. If vlogging is not yet a part of your digital marketing strategy, it’s time to jump on the video blogging wagon.

The 7 benefits of Video Blogging:

1. Good for your SEO strategy.

YouTube is the second largest search engine after Google. That means potential customers are more likely to search for a service, product or information on YouTube, than they are on Yahoo or Bing. See more from this awesome infographic. When you post a video, and somebody is searching for that subject, it will likely show up in a search engine if you have optimized it correctly. SEO quick tip: You can embed your video on your website and transcribe it increasing your chances to include the important keywords mentioned in the video.

2. Develops trust.

When a follower watches you in a video, he begins to feel like he knows you, delivering a sense of trust. People by nature are more inclined to use a company for business when they are able to put a face to a name. Even more so, if they already know how you talk and have seen you “in action”.

3. 2 minutes provides concise, quick information.

As a general rule, savvy marketers know to keep videos under the 2 minute mark, as to not lose the attention of the viewer. People are more likely to click on a video blog over a written one because it requires less effort to watch than it does to read, while still delivering the same results.

4. People are visual.

People prefer to see something visually over reading content (which forces them to use their imagination). By providing the visual stimulation, you require viewers to do one less thing.

5. Videos generate more shares than any other type of posts.

If you want something to go viral, a video blog is the key. Currently, the most shared and “liked” content on Facebook is videos followed by pictures followed by articles.

6. Excellent for How-Tos or tutorials.

Again, since people learn best visually, videos are a great platform to teach your customers something new. Video how-to’s give your viewers the chance to see exactly how something is done and to pause or rewind when needed.

7. Generate income from your videos on YouTube.

YouTube allows you to monetize your videos by permitting YouTube to place ads in the video. Ads are always content appropriate and if you generate high viewership, you can make anywhere from $0.01 to $2.00 per 1000 hits from YouTube!

Leverage Best Vacuum Sealer on the Internet

Gone are usually days when people struggle with spoiled foods as well as other edible materials due a good moisture inside the surrounding where the foods tend to be kept. Prior to this, in a bid to protect meals or other substances people usually add some substance that will help to keep moisture absent or to remove the wetness so as to protect the food or other substances through spoilage. But, nowadays with the beginning of vacuum food sealer it’s possible to easily safeguard his or her food as well as other substance from getting bad simply by closing the foods or any other substance having a vacuumsealer so as to keep moisture out of the substance and to avoid spoilage. Certainly, moisture is the worst adversary of many materials and components like the papers, cooked food and meat, iron and others. In that regard, for one to protect any of this materials coming from getting negative he or she must leverage vacuum food sealer or any other forms of sealers which will help to keep oxygen and moisture away from the substances.
Obviously, simply by searching through the internet one can locate fairly easily lots of vacuumsealer reviews available on the internet. Truly, you don’t need to to worry about using vacuumsealer in your home or office as most of the vacuumsealer reviews on the internet explain all you may need to know about the usage as well as maintenance of sealers. Of the truth, most people that love to use vacuum sealers are always trapped in terms of how to use this device for ideal performance. And need rest, what those people just need is always to search on the internet so as to gain the knowledge they need on how they can make use of this importance home and commercial appliances. Simply by searching through a few popular search engines like Google like the Yahoo, Yahoo and others you will find lots of information on the particular vacuum sealer.
However, those who wants to leverage the functionalities of gadget need to ensure which they obtain the best, because there is best vacuum sealer available on the internet. Seemingly, internet has made many things easy for humanity as you can easily do some searching online for any kind of product and services right with his or her comfort at home. You don’t need to to pass through the worries involved in using services traditional. All you only need for you to possess best vacuum sealer in your home is the internet device.
In fact, with the help of your internet device you can order to your vacuumsealer online and it will be delivered right at your front doorstep. However, as there is best sealer that means you will find sealers that are low quality. So within your bid to get a good vacuum sealer you need to ascertain the grade of the sealer in order to enjoy the incredible performance regarding sealer in your home.

Drug advertisement’s often misleading

False and misleading advertising for drugs can harm consumers and the healthcare system. Past research has shown that physician-targeted drug advertisements may be misleading. However, there is insufficient research that compares consumer-targeted drug advertising to evidence to evaluate whether misleading or false information is being presented in these ads.

Dr. Adrienne E. Faerber, PhD, of the Dartmouth Institute for Health Policy & Clinical Practice and Dr. David H. Kreling, PhD, Professor of The University of Wisconsin-Madison School of Pharmacy, compared claims in consumer-targeted television drug advertising to evidence, in order to evaluate the frequency of false or misleading television drug advertising targeted to consumers.

In a content analysis of a cross-section of television advertisements for prescription and nonprescription drugs aired from 2008 through 2010, that came from came from the Vanderbilt TV News Archive, an indexed archive of recordings of the nightly news broadcasts (the news and commercial segments) on ABC, CBS, and NBC since 1968 and on CNN since 1992. The advertisements were viewed at 6:30 pm, Easter time because the nightly news is a desirable time slot for drug advertisers because of the older audience that watches the nightly news.

The team analyzed 168 television advertisements s for prescription and over-the-counter drugs. For each ad aired the most-emphasized claim in each ad was identified based on claim redundancy, manner of communication, duration and placement. A team of trained analysts then classified those claims as being truthful, potentially misleading or false. Potentially misleading claims were defined as omitting important information; exaggerated information made lifestyle associations, or expressed opinions. False claims were factually false or unsubstantiated.

The researchers found that false claims were extremely rare with only one in ten being a false claim. False advertising is illegal and can lead to criminal and civil penalties.

Among the most emphasized claims in prescription (84) and non-prescription (84) 57 % or six out of ten ads were potentially misleading by leaving out important information, exaggerated information, provided opinions, or made meaningless associations with lifestyles and 10% were false.

In prescription drug ads, there were more objectively true claims 43% and fewer false claims 2% but in over-the-counter ads only 23% were objectively true and 7% were false.

There were similar numbers of potentially misleading claims; prescriptions 55% and in non-prescription drug 61%.

The Food and Drug Administration oversees prescription drug advertising while the Federal Trade Commission oversees advertising for nonprescription drugs.

The FDA and FTC have different definitions of false and misleading claims. For example, the FDA interpretation says prescription drug advertising must include information about the harms of the drug, but information on harms is left out of most non-prescription drug ads.

In their conclusion the researchers write “Potentially misleading claims are prevalent throughout consumer-targeted prescription and nonprescription drug advertising on television. These results are in conflict with proponents who argue the social value of drug advertising is found in informing consumers about drugs.”

The researchers did note there were limitations to this study; the sample was drawn from a 30-minute period of the TV broadcast day on four major networks, and does not represent all ads on TV and the researchers had only analyzed what they had determined as the most-emphasized claim in each advertisement and the coders need to interpret the meaning of claims to facilitate analysis, which did introduce subjectivity.

In closing Dr. Faerber commented “Healthcare consumers need unrestricted access to high-quality information about health.” “Consumers may see up to 30 hours of television drug advertising each year, while only spending 15 to 20 minutes, on average, at each visit with their primary care physician.”

This analysis is published in the Journal of General Internal Medicine.

The Very Best Double Stroller For Big Kids

Exactly what I donâEUR(TM)t like much concerning the Britax-W Agile Double Buggy though is itâEUR(TM)s not ideal with several other brand names of car-seat.

That implies you’ve no option nevertheless to purchase the Britax Infant Carseat if you wish to use it as a travel program and if you currently have a preexisting safety seat of another brand thatâEUR(TM)s still practical, it makes no sense having 2 car seats. Application is easy however when folding the stroller, the deal with can in some cases pound into the soil and its closet isn’t so roomy.
The Zooper Tango Double Stroller is really a little on the expensive side. It’ll run you about $429.99. If however it is comfortable you want, and are prepared to pay for it, this is the ideal stroller for you. I was astonished to locate that the stroller itself is rather mild, and holds babies and preschoolers. In the event you loved this informative article and you wish to receive more details about city mini double stroller kindly visit the web-site. Additionally it may maintain at least one child seat. Some additional characteristics really are a cup holder, rain cover, and a knee warmer to call just a couple. There is also a good bin to the bottom where you are able to keep your things.
As a mother-of multiples and first-time Mama, I was way in over my hand-picking a stroller. Though at a consignment sale, I was sold on the Graco tandem double stroller and was a little embarrassed that I had to be shown how to perform it! I didn’t even think to see basically would-be in a position to carry it easily since I go shopping and out with the guys a great deal without any additional aid. If buying twin buggy, ensure it will be an easy task to operate through lanes and doorways before buying.
Bill Kent created an early on buggy in 1733. 3 In 1733, the Duke of Devonshire expected London to create an easy method of transport that could hold his children. Kent required by making a shell designed container on wheels that the children could stay in. This is richly designed and meant to be taken by a goat or tiny horse. Benjamin Potter Crandall offered baby carriages in The Us in the 1830s which were referred to as the “first baby carriages stated in America” 4 Their daughter, Mark Armour Crandall was granted several patents for changes and upgrades to the conventional styles. 5.
Temper tantrums really are a normal section of growing up, however the way parents handle the functions helps decide how long kids how long kids keep these things. Toddlers as young as six months old throw fits, according to Sanjay Shah, doctor at the Leitchfield Pediatric Center. Kids typically proceed through a development period between 1 and 36 months old and throw tantrums to exhibit annoyance and fury. They occasionally extend the tantrum interval until adolescence, however, when adults have trouble controlling the fits of self-control. Parents learn to handle temper tantrums efficiently by developing personal tactics.
Third-Place on the finest double stroller checklist is the Joovy Scooter x2 which is a side-by-side stroller. Now, while many parents believe it is difficult to maneuver, think about the Joovy Scooter to become an exemption. For starters, it steps 30âEUR

Building Brand Trust Through Your Content Marketing

The world of content marketing has become mainstream these days and has become bigger than ever. Marketers have embraced content creation as the single most effective SEO technique available today. It is important to not rush into using this technique and to figure out the most effective way to use it to achieve brand loyalty.

Making sure you are seen as a thought leader in your specific industry is an obvious goal to develop your content marketing strategy. You can achieve this by providing routine up-to-date content to your customers. You can also tell the story of your brand through the content you put out.

All this is nice but if you don’t have a loyal following and brand loyalty, it will all be for nothing. The connection that an individual builds with a company has a direct correlation to whether or not that individual will work with them or buy from them.

Standing Out in the Crowd

With over 2 million blogs published each day, readers are bombarded with content from the various social media channels. It is important that your content stand out. Your brand needs content that is shareable and relatable. This encourages people to trust you and eventually work with you. Many content marketing strategies focus on quantity over quality. But having content that builds a trusting relationship between your brand and your audience is a key factor in your business’s success.

Customized Content

In a recent survey, consumers were asked about customized content. 61% of those asked said they felt better about a company that delivered custom content and would likely buy from that company. Creating unique and tailored content from your industry and audience will lead to brand loyalty and sales. Making your audience feel that you are thinking of them in each and every blog post is incredible important. Analyzing your audience is crucial to a successful content marketing strategy. If the data shows that your audience wants to read your content via email or as a video, then listen to that data and make this option available. Listening to your audience and the data will help build trust with your audience because they will read or see content that is aimed directly towards them.

Content Promotion

Respecting your audience is important when promoting your content. You do not want it to be blatantly obvious that you are promoting your brand. Your content should be new and something that is created specifically for your readers. Avoid spamming them with links to your latest and greatest blog, as this will turn off the audience.

Figure out which channels your audience uses the most and promote your content through them. Twitter offers tools that can tell you when your followers are most active and which previous content you have tweeted has been successful. When you have obtained this information, you can then schedule your content at the times when it will be most beneficial. This eliminates bombarding your audience and ensures that the content you are producing will be seen.

Rules of Engagement

Building trust in your brand is based on, not only on communication, but engagement with your audience. 36% of people trust brands more when they have a social presence. Try and avoid sending automated replies and comments to people who reach out to you. Instead, send them a personal thank you or message if they have shared your content with someone else. You can also offer advice if they pose a question related to your industry.

Also, be sure you and your company are easy to find and that your audience can communicate with you. Promote your social media channels and the best ways to contact you when you can. Encouraging people to reach out to you will build trust. When you market yourself as a personable brand, it reassures your audience that there is an actual person behind all the marketing and blogs. This lets your audience know you are interested in them and not just trying to sell them something.

Gaining trust in your brand is not something that happens overnight. You have to work hard and make the effort, but it will be worth it in the end. Building that trust with your customers will make all the other stuff fall into place. Sales and conversation rates will grow and your brand will become successful naturally.

Advantages Of Getting An Aftermarket Car Audio System

Anyone who wants to get the utmost from their automobile audio system, especially those using a discerning ear, should critically consider installing a top quality aftermarket stereo. Your car’s factory method consists of a stereo and some speakers. In a large proportion of instances, in the event that you replace these, your audio will seem better. Sounds fairly straightforward. An “after-market” automobile stereo is one which you purchase and install in your automobile after you have bought the car. The stereo that came with the automobile when it had been fabricated is referred to as an “OEM” stereo (“original equipment manufacturer”).

Navigation methods. Car DVD players. The truth is, selecting to install your automobile GPS and/or mobile movie players as after market equipment can save you a great deal of money without sabotaging either their performance or their look!

There are lots of good after marketplace stereos out there, but there is also tons of crappy ones. Go with a well-known brand like Pioneer, Kenwood, or Sony. Aftermarket navigation systems can be found in both portable and installed variants, and you will be shocked at exactly how affordable they are.

Mobile auto GPS tend to be mark down due to the risk of stealing, but they do offer perks like having the ability to operate the nav system-while the vehicle is in motion (let the passenger do it please!) and the ability to transfer the unit from one car to another (excellent for rental cars, too!).

Most of us are not sure about upgrading the sound system as they are worried it will likely be too complicated, both fitting or compatibility. The remainder tends to take care of its self.

How big is the loudspeakers is determined by the dimension of the “holes” left in the previous speakers. The depth is the total amount of space between the door card wall as well as the car door wall this is going to vary from car to car.

There are plenty of reliable online merchants you can purchase from, or you can get your stereo at any “big box” shop. Be careful when purchasing online to pick a vendor who is authorized by the manufacturer, or else the guarantee will never be valid. If you are uncertain, you’d be more fortunate purchasing from a local retailer.

A professional will always do better. And, specific stores and specialists simply sell aftermarket car audio products and add-ons. Among the most important thing to think about is cost.

Whу Its Better To Uѕе A Prоfеѕѕiоnаl Binаrу Options Brоkеr?

Digitаl орtiоnѕ trаding iѕ one of thе most profitable investment opportunities аvаilаblе in thе market today. Sinсе the nеw mаrkеt rеgulаtiоnѕ аnnоunсеd in the уеаr 2008, thе grоwth оf binary options trаding has rеаllу catapulted аnd mоrе and mоrе people are inсrеаѕing thеir invеѕtmеntѕ into binаrу орtiоnѕ. Duе tо thе short term invеѕtmеntѕ аnd highеr rеturnѕ оn thоѕе investments, Digitаl options trаding has become оnе of the mоѕt рорulаr mаrkеt invеѕtmеnt орроrtunitiеѕ.

Invеѕtоrѕ саn trаdе 24 hоurѕ and 7 dауѕ a wееk in thе binary options market. At thе ѕаmе time, there is a hаrѕh rеаlitу behind thiѕ tуре оf investment. One muѕt have thоrоugh knоwlеdgе аbоut the сurrеnt mаrkеt trеndѕ tо gеt highеr returns оn thеir invеѕtmеntѕ. Pluѕ thiѕ mаrkеt iѕ highly dуnаmiс аnd volatile in nature which indicates a ѕtrоng nееd tо kеер соnѕtаnt еуеѕ оn the latest news and wоrldwidе mаrkеt hарреningѕ. This iѕ whеrе a rеliаblе and professional binary орtiоnѕ brоkеr рlаtfоrm саn hеlр invеѕtоrѕ to make еаѕу аnd rеliаblе trаdеѕ аutоmаtiсаllу.

Hоw to Chооѕе The Bеѕt Binаrу Oрtiоnѕ Broker?

Due tо thе соntinuоuѕ rise in thе рорulаritу оf binary options trаding орроrtunitiеѕ, thеrе iѕ a grоwing dеmаnd fоr reliable and рrоfеѕѕiоnаl binаrу орtiоnѕ brоkеr рlаtfоrmѕ. Unfоrtunаtеlу, there are ѕеvеrаl digital орtiоnѕ ѕсаmѕ present in the mаrkеt which try tо sell thе investors unreliable аnd untеѕtеd binаrу options broker рlаtfоrmѕ. Thiѕ саn саuѕе ѕеvеrе lоѕѕеѕ tо the traders due tо thе lack of professional and rеliаblе binаrу trаding ѕоftwаrе.

Whilе selecting a rеliаblе and рrоfеѕѕiоnаl digitаl орtiоnѕ broker рrоgrаm, оnе muѕt inԛuirе аbоut the following fеаturеѕ аnd rеԛuirеmеntѕ thаt every successful binаrу trаding ѕоftwаrе роѕѕеѕѕ.

Important Binаrу Oрtiоnѕ Brоkеr Fеаturеѕ you Nееd to Keep In Mind

1.) Simрlе аnd intuitive uѕеr interface – Prоfеѕѕiоnаl аnd rеliаblе binаrу trаding program offers easy and ѕimрlе to hаndlе uѕеr intеrfасе that ѕаvеѕ lot оf time and hеаdасhе fоr trаdеrѕ. There is usually no need tо invest еxtrа timе tо lеаrn nеw fеаturеѕ аnd соntrоlѕ of thе рrоgrаm. Most оf these programs аrе web based and uѕеrѕ do not need tо download or update thе trаding ѕоftwаrе on their оwn PC. Uѕеrѕ muѕt bе аblе tо use the program еаѕilу whеnеvеr аnd wherever they wаnt. Uѕеr friеndlу аnd intеrасtivе соntrоlѕ are thе mоѕt imроrtаnt ones which we must оbѕеrvе whilе ѕеlесting thе right binаrу options brоkеr platform.

2.) Ability tо invest into multiрlе assets – Rеliаblе аnd рrоfеѕѕiоnаl binаrу trаding ѕоftwаrе оffеrѕ varieties оf аѕѕеtѕ fоr thе invеѕtmеnt рurроѕе. A trаdеr ѕhоuld be аblе tо invеѕt intо diffеrеnt tуреѕ of mаrkеt assets frоm fоrеx, indices to ѕtосkѕ аnd commodities. Onе must рау attention to the аbilitу of thе рrоgrаm to invest intо аll оf thе аvаilаblе mаrkеt аѕѕеtѕ tо gаin mаximum profits frоm thе trаdеѕ.

3.) Availability of appropriate еxрirу periods – Sоmе binary trаding brokers рrоvidе wееklу еxрirу реriоdѕ while ѕоmе рrоvidе hоurlу and end of thе dау орtiоnѕ tо their invеѕtоrѕ. To gain maximum соntrоl оn оur trades, it iѕ imроrtаnt tо ѕеlесt thе binаrу trаding software thаt provides maximum еxрirу реriоdѕ.

4.) Maximum рауоut реrсеntаgе – Prоfеѕѕiоnаl аnd рорulаr digitаl орtiоnѕ brоkеrѕ рrоvidе mаximum payout реrсеntаgе to their invеѕtоrѕ. Onе muѕt lооk аt thе binary trаding рlаtfоrm that can оffеr minimum 75% to 90% payout реrсеntаgе for еvеrу won аnd lоѕt investment. Fоr еvеrу unѕuссеѕѕful trаdе, thеrе muѕt bе minimum 5% tо 10% rеturnѕ tо thе traders.

5.) Varieties оf languages оffеrеd – Tо bесоmе mоrе соnvеniеnt with thе uѕаgе оf the binary trading ѕоftwаrе, it is еѕѕеntiаl that the lаnguаgе оf thе program muѕt bе уоur own mоthеr tоnguе. Thеrе аrе ѕоmе рrоfеѕѕiоnаl binаrу орtiоnѕ brоkеr platforms in thе mаrkеt that offer varieties оf lаnguаgеѕ frоm Engliѕh, Arаbiс, Spanish, Ruѕѕiаn, Turkiѕh, etc.

6.) Minimum initiаl deposit rеԛuirеmеntѕ – One muѕt bе able tо ореn binаrу trаding ассоunt аt thе wеbѕitе fоr frее аnd no nееd tо provide initiаl deposits. Look fоr thоѕе binary trаding рlаtfоrmѕ thаt рrоvidе frее rеgiѕtrаtiоnѕ аnd minimаl dероѕitѕ.

7.) Varieties оf payment орtiоnѕ – Professional binаrу орtiоnѕ trading рlаtfоrmѕ provide vаriеtiеѕ оf payment mеthоdѕ ѕuсh as Paypal, bаnk trаnѕfеr, сrеdit саrd, еtс. Lооk fоr ѕuсh binаrу оr digital орtiоnѕ broker thаt offer multiрlе fоrmѕ оf payment withdrаwаl options.

8.) Highеr bonuses – Sоmе digitаl options brоkеr оffеr uр tо 25% bоnuѕеѕ to thеir trаdеrѕ thаt also dереnd upon total turnover and initiаl dероѕit аmоunt frоm the trаdеrѕ. Lооk fоr ѕuсh trаding рlаtfоrmѕ thаt offer highеr bоnuѕеѕ tо their uѕеrѕ.

9.) Tор notch сuѕtоmеr support – High ԛuаlitу сuѕtоmеr ѕеrviсе iѕ еԛuаllу important tо gеt timеlу ѕuрроrt аnd аѕѕiѕtаnсе during all tуреѕ оf trаdеѕ. Professional digitаl trаding brоkеrѕ and рlаtfоrmѕ аlwауѕ рrоvidе сuѕtоmеr ѕuрроrt in varieties of lаnguаgеѕ аnd viа multiple рlаtfоrmѕ such аѕ еmаil, livе chat, аnd tеlерhоnе support.

Which Auto Financing Option Is Best For You

Because there are so many ways to finance a car, there is no reason why buyers should focus on one particular method to finance a vehicle. There are several ways to finance a car and understanding each method is very important for first time buyers. At the auto dealership or at the bank, the paper work may be confusing, so being educated is a requirement. Many first time buyers use only the best financing options; however, there are eight common methods that are highly recommended.

During the shopping process, no matter if it is a new or used vehicle; there will be various financing options. However, most first time buyers simply buy their vehicles directly from the dealer. They do this because it is the most convenient option. They will not have to travel to a bank or a credit union; all financing is done at one location. When using this particular method, be aware of markups; the dealer may increase the financing rates. Although dealership financing options are convenient, most first time buyers think that dealership financing is the only option. Shopping around for other financing options that are offered by third party lenders may be a better choice depending on the dealership.

Banks and credit unions should be considered as well. When banks provide loans to first time car buyers, they provide the loans on their own terms. In some cases, banks may offer cheaper interest rates. If a bank does this, consider taking the bank’s offer to the dealership; the salesperson at the car dealership may lower the dealership’s offer if the bank’s offer is better. A credit union is a great way to finance a car as well.

Another option is using a captive financing company. These types of companies are agents of the car manufacturers. Captive auto companies have one purpose, and that purpose is getting buyers into the vehicles that are offered by the auto company.

First time car buyers that may get a big financial windfall in the future should consider a balloon payment loan. When this method is used, the payments each month will be lower. However, although the payments will be less, the company will need a big payment once the loan term ends.

A secured car loan is a loan that is backed by different types of collateral, such as another vehicle or general property. Because this loan uses collateral, the interest rates are often lower. When first time buyers use their current driving vehicles as collateral, they use an auto pawn loan. However, using this particular type of loan has some major risks. The payments can have multiple loan segments, and the debt and interest could increase.

Long term car loans give buyers a much lower monthly payment; however, the loan takes longer to pay. The usual amount of time it takes to completely pay a long term car loan is about seven years. This has some minor risks as the buyer may end up paying more than the vehicle is worth. Overall, there are many car financing options for first time buyers. Consider the best method based on the financial situation.

Conscious commercial signage

In Liberty Village a vigorous debate is underway about whether or not digital commercial signs are appropriate in the commercial/residential district. At present, Toronto has two designated special sign districts Yonge-Dundas Square and the Gardiner Expressway corridor. Liberty Village borders the Gardiner Expressway, which makes residents especially sensitive to the presence of digital or electronic signs which pepper the corridor.

At stake is the 2009 sign bylaw, which banned – to a large extent – most digital signage from residential areas and which the City Council is considering reversing, allowing electronic signs to be displayed in commercial/residential districts like Liberty Village. Because digital signs change every eight to ten seconds, they have been labeled a nuisance and a form of “visual pollution” by critics who warn that if the new city staff recommendations are permitted, the city can expect a deluge of complaints about their sleep-disturbing properties.

Though the city manager downplayed the likelihood of a significant citizen backlash, letters have already been coming in advising against adopting a more open digital signage policy in the area. For example one Liberty Village condo resident wrote: “I now have two layers of blinds in my bedroom and even with both sets closed the light from the billboard leaks into my bedroom, bright enough to notice with my eyes closed.” In response to concerns such as these, the city manager assures residents that digital signs in commercial/residential areas would be subject to stricter controls (e.g., capping height at three square meters and making them more pedestrian-oriented) than apply to traditional (non-electronic) signage.

Though these measures will likelihood minimize the impact of the signs, another alternative worth considering would be to use traditional, non-electronic, signage, which would substantially reduce the impact of those signs, while allowing for greater presence, than the scale-restricted digital signs that are proposed. There are many time-tested and far less invasive options for exterior commercial signage, such as sandblasted signs, dimensional letters, wood monument signs and many other types of exterior signage.

For the launch of its brand on the west coast, the brewery Shock Top had an exterior sandblasted sign, with two dimensional lettering mounted on a wooden base displayed at key micro-brewery hubs in San Francisco. The sign was followed typical billboard dimensions, but the outrageously vivid sunglass be speckled, orange head with a Mohawk made of barley seared its brand past the filters that cause us to ignore most billboard signs, long after the sign was taken down. This sign, a traditional billboard one, was illuminated solely by a modest sconce light at night – a far better option for commercial/residential districts such as Liberty Village than a full-on digital commercial sign.

One Toronto councilmember made strident assertions that the proposed reversed commercial electronic sign ban would be dismissed out of hand for residential areas, but the discussion is far from over. When the council reconvenes perhaps they’ll find traditional commercial signage can provide a happier middle ground than either side, at present, is proposing.