Amusement Centres

By Isaac Small

 Leasing a luxury car imposes lower costs, generally comparable to the interest rate of financing a loan. However, if you terminate a lease early or default on a monthly lease payment, you can face major financial penalties and ruin your credit rating. The decision of whether to buy or lease a vehicle also depends on your unique lifestyle. If you drive many miles each year and don’t mind paying repair bills, you probably should purchase your car. If, on the other hand, you exceed the mileage limitation or if the car shows considerable wear and tear at the end of the lease, you may find yourself paying large end-of-lease costs.

When you are thinking about getting a new car, one question always comes up: is it better to buy or lease? There is, of course, no one single answer. Each choice has benefits and disadvantages, so the choice depends on your own particular personal and financial circumstances.

A key issue is affordability. Is your job situation stable? Are you in overall good financial shape? The short-term monthly expense associated with leasing a car is much lower than the monthly payments required when purchasing a vehicle. With leasing, you pay only for the part of the vehicle’s cost used during the period of time you drive it. If you have the cash on hand, and you can pay the down payment and sales taxes - either in cash or via a loan - as well as the interest rate buying a car gives you that feeling of ownership and may be the best financial option.

If you want to get your hands on a luxury car, but you can’t afford the initial costs associated with buying one, leasing is your best option. Leasing a luxury car imposes lower costs, generally comparable to the interest rate of financing a loan. However, if you terminate a lease early or default on a monthly lease payment, you could face major financial penalties and this could ruin your credit rating. Before you decide to lease, make sure you adjust your budget for the monthly lease payment for the duration of the contract.

The decision of whether to buy or lease a vehicle also depends on your unique lifestyle. What does it mean to you to own a car? Do you bond with your car, or do you like having something new? If you plan to drive a vehicle for more than five years, buying it - through careful negotiations - is probably your best bet. On the other hand, if you would rather drive a new car every two or three years, leasing is for you.

You should also consider your actual transportation needs. Think about how many miles per year you drive and how you handle car maintenance. If you drive many miles each year and don’t mind paying repair bills, you probably should purchase your car. With leasing, contracts are made with assumptions of limited mileage, typically between 12,000 to 15,000 miles driven per year, as well as considerations of wear-and-tear on the vehicle. If you can stay within the stated mileage limits and keep the automobile in good condition throughout the duration of your lease, leasing is a reasonable option. However, if you exceed the mileage limitation or if the car shows considerable wear and tear at the end of the lease, you may find yourself paying large end-of-lease costs.

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Your Guide to Airport Security

By Carlton Payne

 When traveling through the airport you see and hear many upset and angry people in the screening area. It really does not have to be that difficult if you plan ahead and prepare your luggage appropriately. The person who is angry is the one who came unprepared and packed prohibited items in his luggage.

Liquids and gels seem to be the latest cause for grumbling at the screening checkpoint. The current regulations allow passengers to carry 3 ounce or smaller bottles of liquids and gels. The bottles must be placed in a one-quart, clear, plastic zip bag. One plastic bag per person is allowed, limiting the total you can carry. When you get to the x-ray place the zip bag in the security bin for screening, this will speed up the process. If you leave the liquids in your bag, your bag will be flagged and searched.

There are some exceptions to the liquids and gels rule. Baby items such as food, formula, juice and breast milk are allowed in larger quantities. They will allow “reasonable quantities”, no true amount is given, just pack what you feel you will need for the flight. Medications are also allowed and are subject to the “reasonable quantities” rule. Be sure to declare these items during screening to the make the process fast and painless.

Keeping other prohibited items out of your carry on will also make for a much more pleasant screening process. Sharp objects such as knives, ice picks, razor blades swords and sabers are not allowed as a carry on. These items are allowed in checked baggage, but should be packed appropriately or sheathed to prevent injury to baggage handlers and inspectors. Sporting goods such as baseball bats, cricket bats, golf clubs, hockey sticks and more are not allowed as carry ons. No firearms can be carried on as well as self defense items, but they may be in checked baggage. Tools greater than 7 inches in length are also prohibited. Flammables and explosives are not permitted in carry on or checked baggage, with the exception of certain lighters, which may be carried on if they meet the current regulations. Check the TSA website for a current list of prohibited items before you travel.

Knowing what to expect during the screening process will make the process smoother. Pack your bags neatly and organized to allow the screener to see what is inside should a bag check be called. Have ID and boarding pass in hand as you approach the checkpoint. Coats and shoes must be removed and placed in a security bin for inspection. Over-sized electronic items should also be placed in a separate bin for screening. Do not wear bulky or baggie clothing to the airport and remember to remove all loose metal from your clothing and pockets. If you are selected for further screening be patient and courteous, this will speed the process along.

Remember the most important thing is to be prepared and enjoy your trip. Be sure to check the TSA website for the latest information on prohibited items and security information.

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