Friday, June 10, 2016

2009 Stimulus Check and Government Grants Scams Flood Internet

When I heard about the economic stimulus package, I Googled the search term to find out what I could about Obama’s $825 billion package. I found many leads on this but didn’t think much of it. Tonight on the news, however, they alerted the public into the most recent 2009 stimulus check scams on the Internet. There are many sites that take advantage of those trying to get a stimulus check, and they usually top the list of search results.

Look closely at the Internet site you go to. If they are charging shipping and handling for a packet of information, it is not a government-certified website. What is worse is many websites take you from one page to the next, and finally in small print in the middle of the Terms and Conditions, it stipulates you will pay a monthly fee. Some fees were a few measly dollars, but others are almost $100 a month!

In addition to stimulus check scams, there are many similar pitfalls out there for U.S. government grants. These websites operate under the same faulty terms and conditions as the economic stimulus packages. Once again, you should not have to pay for a report or list. If you are at a true government website, you should be able to get the information for free. Another form of this scam is by people’s personal accounts that direct you to another website. Stay clear of such examples as this one, which was directly highlighted on the news as one of the top scam sites out there.

Just remember to read all terms and conditions and stay clear of websites that want to charge you any type of fee. Whether it is a small one-time fee or a shipping and handling fee, stick to the government-regulated sites where you will not have to pay for information that should be free.

Source: http://ift.tt/22ZEZop

Tags:2009 Stimulus Check and Government Grants Scams Flood Internet

2009 SEC Conference Football Season Predictions

The SEC Conference is loaded yet again and it now will get even more TV exposure on ESPN in 2009.

Tim Tebow is back to lead the Gators of Florida as the league favorite and Georgia has to reload while replacing #1 NFL pick Matthew Stafford, who went to the Detroit Lions. But the east should be competitive.

The west race will also be as competitive as it’s been in years with teams like LSU, Alabama, and Ole Miss all in the mix.

2009 SEC Conference Football Season Predictions

SEC East Prediction:

1. Florida Gators- With tons of playmakers on an underrated defense and 7 offensive starters also back including that Tebow fellow, nobody is beating Florida in the east this year.

2. Georgia Bulldogs-QB is a concern but playmakers like AJ Green at WR and potentially Caleb King at RB should have Georgia near the top again. The east is not as strong as in past years and that should benefit the ‘Dawgs this year.

3. Tennessee Volunteers- Better QB play is a must, but Lane Kiffin should be able to inject some energy into the program this year, plus Eric Berry might be the best player in the SEC.

4. South Carolina Gamecocks- Steve Spurrier has an interesting assortment of receivers back but will need better QB play in 2009 to contend in the SEC.

5. Kentucky Wildcats- Three straight bowl wins and winning seasons and they could make it four in both categories this year with some luck. But the early schedule is hard.

6. Vanderbilt Commodores-This program is improving but lacks playmakers going into 2009 in the SEC.

SEC West Prediction:

1. LSU Tigers-Chales Scott and Brandon LeFell are two of the most underrated players in all of college football. LSU is deep on both sides of the ball with QB play their only main weakness.

2. Alabama Crimson Tide- Nick Saban is one of those coaches who just puts his head down and works until he gets what he wants. Julio Jones is primed for a huge year if the QB play can hold up this year and Mark Ingram can step in for Glen Coffee nicely.

3. Ole Miss Rebels-Jevon Snead might end up winning Steve Spurrier’s vote back for SEC 1st team if he can lead Ole Miss to the west title. It’s not out of the realm of possibility either.

4. Auburn Tigers- Gene Chizik was an interesting hire. This team seems a bit too confused on the direction they want to go in scheme-wise, but the talent is there for a run.

5. Arkansas Razorbacks- Another potential surprise team, Bobby Petrino’s Hogs could make a huge leap up if Michigan transfer Ryan Mallett can live up to his talent this year.

6. Mississippi State Bulldogs- News of a spread offense is interesting, but with only five starters back on defense, it could be a tough year in the SEC West for the Bulldogs.

SEC Title Game: Florida defeats LSU.

Tags:2009 SEC Conference Football Season Predictions

2009 Pennsylvania Wildlife Restoration Grants

The Wildlife Restoration Program, which is also known as the Pittman-Roberson Act of 1937, awards grants that fund projects that restore, select, improve and rehabilitate areas of water and land to be utilized for resting, breeding and feeding areas for wildlife species. The funding for these grants comes from an 11% tax on firearms, ammunition, bows, quivers, broadhead arrows and points, 10% tax on handguns, revolvers and pistols and $.43 on arrow shafts plus interest earned on the Wildlife Restoration Fund. This type of funding makes this program one that is used and funded by the same people.

The United States Fish and Wildlife Service is responsible for the administration of the Wildlife Restoration Program grants that are awarded to agencies throughout the nation, such as the Pennsylvania Game Commission. In 2009, the Pennsylvania Game Commission was awarded one Wildlife Restoration Program grant. This grant, funded by the Wildlife Restoration Program, is the Land Acquisition through Exchange of Sub-Optimum Property on State Game Land 176 (Shoop Property).

The Land Acquisition through Exchange of Sub-Optimum Property on State Game Land 176 (Shoop Property) Grant extends from December 17, 2008 through June 30, 2009. This grant provides funding for permanently protecting a total of 397 acres of land to be used for wildlife habitats in Pennsylvania. This is accomplished by funding the acquisition of land to replace the land that has been used for the Pennsylvania State University’s wastewater facility and also by funding the replacement of 335 acres of wildlife crop land.

The Wildlife Restoration Program, which is responsible for funding many grants throughout the nation, enables a cycle to be complete, a cycle that begins and ends with the user of the facility that received the grant. These grants are used for many projects that are in place to improve public use, wildlife resource access and wildlife management programs funded by the Wildlife Restoration Program and the funds for this program and the grants funded by it are calculated using an apportionment formula which includes taxes, land area and number of paid license hunters of each state that applies for these funds. These grants are disbursed to the states and insular areas on a reimbursement basis of up to 75% for the states and up to 100% for insular areas of America. The Wildlife Restoration Program aids with conserving the wildlife species and their habitats for many years to come.

Tags:2009 Pennsylvania Wildlife Restoration Grants

2009 Prom Dress Trends

Prom is all about the perfect dress. To find the perfect dress you need a combination of all the hottest trends along with a dress that fits you perfectly. These are the hottest trends for prom 2009, and how you can make them work for you.

One shoulder dresses- One shoulder asymmetrical dresses are hot this year. You have seen this dresses on celebrities at all the big events this year. Michelle Obama wore a one shoulder dress at the inauguration. Penelope Cruz also wore a stunning one shoulder dress to the Academy Awards. The great thing about the one shoulder dress is that it can look great on everyone. This is a trend you can wear no matter what size you are, a one shoulder dress will look equally good on a very thin girl as well as on a plus size girl. Here is a one shoulder dress that would be perfect for any prom.

Eco Friendly Dresses- Everybody is finally starting to understand that we need to take care of the environment. People are realizing How important it is to use recycled products and bio-degradable materials. Prom dresses are no exception. Many people are wearing eco-friendly dresses to prom this year. The great thing about these eco-friendly dresses is that you can still have a completely fashionable dress that no one would even guess that it was green. Here is a beautiful eco-friendly dress.

Short Dresses- Short is the new long. Short dresses are very popular for prom and it is perfect because short dresses are so much more versatile. If you pick out a beautiful short dress you will most likely be able to wear it again, without looking like you are wearing your old prom dress. Short dresses are also great if you have great legs. Many girls even girls that are bigger love their legs, if you wear a short dress it will help you look long and lean. There are many short dress options to fit every style, here is one cute option for a short dress.

Ruffled Bottoms- This is a very hot trend, and a great trend for all sizes. Ruffles on the bottom of your prom dress will look fabulous whether you choose a short dress or a long dress. Ruffles on the bottom also look great if you are plus size and would like to hide a little of your body. A ruffled bottom prom dress is so much more forgiving then the skin thigh styles of past prom years. This is an example of a short Ruffled Prom dress, and long ruffled prom dress.

Bollywood- Bollywood is a huge trend, and prom dresses are no exception. Bollywood prom dresses are beautiful, and fun. The best thing about a Bollywood prom dress is that it can be unique and fit your personality. These dresses are fun because they are colorful and more casual. Here is an example of a beautiful Bollywood dress.

Tags:2009 Prom Dress Trends

2009 SP Authentic Baseball Hobby Box Review

This is the 2009 SP Authentic baseball hobby box. This box was purchased from BlowOutCards.com. BlowOutCards.com is currently out of this product but you can purchase it from www.dacardworld.com. These packs were opened by column starting from the left and going to the right. Filler cards are just cardboard cards to prevent people from picking out the packs with hits, so I included them in each pack summary.

FIRST COLUMN
Pack 1:
Manny Ramirez BASE
Kosuke Fukudome BASE
Pedro Martinez BASE
FILLER
Ervin Santana
Evan Longoria BASE

Pack 2:
Carlos Quentin BASE
Andrew Jones GOLD INSERT 108/299
FILLER
Travis Snider RETROSPECTIVE INSERT
James Shields BASE
Yadier Molina BASE

Pack 3:
Roy Oswalt BASE
Kevin Youkilis BASE
Dustin Pedroia FACES OF THE GAME INSERT
FILLER
Ryan Braun BASE
Brian Roberts BASE

Pack 4:
John Danks BASE
Dustin Pedroia BASE
Ken Griffey Jr. FACES OF THE GAME INSERT
FILLER
Brandon Inge BASE
Gary Sheffield BASE

Pack 5:
Joba Chamberlain BASE
Cole Hamels BASE
Travis Snider BY THE LETTER PATCH 40/45
Evan Longoria RETROSPECTIVE INSERT
Josh Beckett BASE
Francisco Rodriguez BASE

Pack 6:
Magglio Ordonez BASE
Nomar Garciaparra INSERT 94/99
FILLER
Matt Ryan RETROSPECTIVE INSERT
Edinson Volquez BASE
Roy Holliday BASE

Pack 7:
Hunter Pence BASE
Randy Johnson BASE
Neftali Feliz BASE ROOKIE
FILLER
Jon Lester BASE
B.J. Upton BASE

Pack 8:
Brandon Webb BASE
Jair Jurrjens BASE
Jess Todd BASE ROOKIE
FILLER
Justin Morneau BASE
Jason Giambi BASE

SECOND COLUMN
Pack 9:
Vernon Wells BASE
Vladmir Guerrero BASE
Marc Rzepczynski BASE ROOKIE
FILLER
Clayton Kershaw BASE
Matt Holliday BASE

Pack 10:
Derek Jeter BASE
Edinson Volquez PLATINUM POWER INSERT
FILLER
Pope John Paul II RETROSPECTIVE INSERT
Carlos Lee BASE
Ken Griffey Jr. BASE

Pack 11:
Joe Mauer BASE
Hiroki Kuroda BASE
Chase Utley FACES OF THE GAME INSERT
FILLER
Dan Haren BASE
Ryan Ludwick BASE

Pack 12:
Hanley Ramirez BASE
Shin-Soo Choo BASE
Gavin Floyd BY THE LETTER PATCH 10/40
Michael Beasley RETROSPECTIVE INSERT
Ryan Zimmerman BASE
Curtis Granderson BASE

Pack 13:
Andy Pettitte BASE
Ichiro BASE
Jose Reyes FACES OF THE GAME GOLD INSERT 29/299
FILLER
Washington Nationals RETROSPECTIVE INSERT
Jay Bruce BASE

Pack 14:
Carlos Delgado BASE
Prince Fielder BASE
David Ortiz PENNANT RUN HEROES INSERT
FILLER
Alexander Ovechkin BASE
Matt Kemp BASE

Pack 15:
Jason Varitek BASE
Carlos Beltran BASE
Justin Upton BASE
FILLER
Mark Teixeira BASE
David Ortiz BASE

Pack 16:
Johan Santana BASE
Mark Ellis SIGNATURE INSERT
FILLER
Jack Nicklaus RETROSPECTIVE INSERT
Francisco Liriano BASE
Lance Berkman BASE

THIRD COLUMN
Pack 17:
Mariano Rivera BASE
David Wright BASE
Ryan Dempster GOLD INSERT 41/299
FILLER
Chris Johnson RETROSPECTIVE INSERT
Chase Utley BASE

Pack 18:
Mark Buehrle BASE
Feliz Hernandez BASE
Aaron Harang INSERT 91/99
FILLER
Philadelphia Phillies RETROSPECTIVE INSERT
Albert Pujols BASE

Pack 19:
paul Konerko BASE
Nick Markakis BASE
Sean West BASE ROOKIE
FILLER
Chien-Ming Wang BASE
Grady Sizemore BASE

Pack 20:
Derek Lowe BASE
Ryan Howard BASE
Jermaine Dye BASE
FILLER
Joey Votto BASE
Ryan Dempster BASE

Pack 21:
Adam Dunn Base
Tim Lincecum BASE
Jhoulys Chacin BASE ROOKIE
FILLER
Daisuke Matsuzaka BASE
Adrian Gonzalez BASE

Pack 22:
Josh Johnson BASE
Ryan Ludwick INSERT 16/19
FILLER
Secretary of State RETROSPECTIVE INSERT
Alfonso Soriano BASE
Hideki Matsui BASE

Pack 23:
Todd Helton BASE
Joakim Soria BASE
Jose Reyes FACES OF THE GAME INSERT
FILELR
Yovani Gallardo BASE
Josh Hamilton BASE

Pack 24:
Alex Rodriguez BASE
Josh Hamilton PLATINUM POWER INSERT
FILLER
Manny Ramirez RETROSPECTIVE INSERT
Aarin Harang BASE
Chipper Jones BASE

I would say this was a pretty good box break of 2009 SP Authentic. Even thought the two patch cards and the autograph were not the biggest names in baseball, it was still a nice break. I was pleasantly surprised by the amount of inserts and numbered cards. I think that SP Authentic really stepped up their product with those inserts this time. Another good part was that there are not any doubles! In many box breaks there are multiple doubles but it was nice to see something new in every pack. It was a little bit sad that I had two hits in one column because it was not as much fun going through the third column.

The design was nice and clean. I liked the pictures that they used for the 2009 product. It is a really nice looking set for any set-builders out there. Also, with the various inserts and variations would make it a fun set to do. Good luck if you dcide to purchase your own box of 2009 SP Authentic!

Tags:2009 SP Authentic Baseball Hobby Box Review

2009 Q & A, for Gold Jewelry and Fine Timepieces

How can I keep my jewels looking as clean as when I bought them?

a. The best way to clean your baubles at home is with authentic jewelry cleaner. The chemicals in the mixture are specifically prepared for gold and platinum metals. They will not stripe at all. Truly best way to keep jewelry looking brand new is to get them professionally cleaned from your local jeweler. There are two advantages to this bi monthly commitment…your jewelry will always look sparkling new and most importantly your stones will be checked for tightness!!!!

Is it important to keep your mechanical watch on a watch winder?

a. Keeping a mechanical watch winding is highly recommend! This will ensure the gears are kept lubricated, in return keeping your timepiece out of the repair department.

My jeweler tells me to bring my timepiece in once every three years for an overhaul, is this really necessary?

a. Over time the oils in the gears dry up, these oils need to replenished in order to keep the watch performing. In addition, parts of the timepiece can become worn and need to be replaced.

How can I give my old treasures a new look?

a. Revamping your aged jewelry can be as simple as a quick cleaning. Over time, gold wears down leaving a dull finish, a little bit of polish brings the metal back to life. Let’s say you have many pieces of yellow gold jewelry and would like to have a few of the pieces in white gold? Rhodium is your answer!! In less then 20 minutes you can wear your virtually new pieces of jewelry! It is remarkable how beautiful the process works; just remember the whitening rhodium wears down in about 6 months.

Tags:2009 Q & A, for Gold Jewelry and Fine Timepieces

2009 Tour De France Standings Nearly Led by Armstrong Again

The 2009 Tour de France standings are at an early stage, as the 2009 Tour de France is just getting started. The standings aren’t extremely important yet, since the real changes to the 2009 Tour de France standings will likely happen in the middle of the race. However, after today’s Stage 4, Lance Armstrong made a bid to put a stranglehold on the 2009 Tour de France standings early. The returning seven-time Tour de France champion is already close to the lead after his Stage 4 performance today.

The early 2009 Tour de France standings were led by Switzerland’s Fabian Cancellara in the first few days. Lance Armstrong was behind, but had established himself in a good position. In today’s fourth stage, Armstrong moved up a little early, and nearly took the yellow jersey away from Cancellara.

The current 2009 Tour de France standings have Armstrong less than a second behind Cancellara after four days. Armstrong got this close after today’s team time-trials, in which his Astana team dominated the pack. Four Astana team members are now in the top five of the overall standings after today.

Tour de France officials needed to use a tiebreaker to determine that Cancellara still had the lead. Although Cancellara will keep the yellow jersey for at least one more day, Lance Armstrong has established that he is right back on point at the 2009 Tour de France.

If Armstrong continues on, it will be like he never left the Tour de France, after being away for a few years. Armstrong already defied all odds by winning seven straight times at the Tour de France, so winning it again after three years of being away would just be a drop in the bucket.

It is still early in the 2009 Tour de France, with two more weeks of stages left to go. Usually Armstrong takes off the race in the middle, then blows out the competition and takes all the suspense out of the race by the final day. Jumping ahead to the lead at this early point would be a change in pace.

The racers will regroup and try to move up the 2009 Tour de France standings tomorrow, while Cancellara tries to hold on to his very slim lead and Armstrong tries to reunite with the yellow jersey.

Sources

Yahoo Eurosport UK- “Overall Time Standings: Stage 04” http://ift.tt/28reMCZ

Guardian- “Lance Armstrong misses out on yellow jersey on the fourth stage of the Tour” http://ift.tt/22ZFdvA

Tags:2009 Tour De France Standings Nearly Led by Armstrong Again

2009 Trek Road Bikes Under $2,000

Today’s economy has put a kink in your budget, it has forced you to make cutbacks in almost everything you do, but you still want a new 2009 Trek road bike for your weekend pleasure. Just because you have to watch your pennies doesn’t mean you can’t still get a great bike for a good price. Trek has long been a leader in the manufacture of some of the best road bikes and continues to do so; there are many models to choose form and plenty of them at under $2000. According to reviews in magazines such Road Bike Buyers Guide, these models will give you the most bang for your hard earned cash.

1. The Portland: This is a high speed commuter styled bike. Made with a lightweight aluminum frame it comes equipped with fenders for those rainy days. A very agile road bike for getting around in a hurry, and it comes with disc brakes for those sudden stops. Priced at $1699.99 msrp this is the perfect bike for going to work or a nice ride around town.

2. The 520: This road bike is custom made for those of you who are into those really long rides, whether it’s an all day tour or the really dedicated rider going for that cross continent ride. Designed for stability, even if you have all your gear loaded for that expedition. Good gear ratios and a solid frame will take you wherever you need to go. At $1319.99 msrp this is the perfect all around tourer.

3. The FX 7.7: Whether you are trying to get fit, riding to and from work, or doing some serious riding on the weekends and evenings to pump up your exercise routine, this is the road bike for you. Built with versatility in mind this bike features lightweight Bontrager wheels and feels at home on the road as well as some light off road fun. Tough enough to take on all your rides but light enough not to drag you down at $1979.99 this is one of the best all around bikes for under $2000.

4. The Trek 1 series: This bike is a great entry level road bike for those who want a serious bike without having to spend serious money. A lightweight frame coupled with an upright sitting position make for a very comfortable ride. The 1.5 is the top of the 1 series line and has a Shimano 9 speed derailleur system front and rear for smooth shifting, and like all of Trek’s bikes is available in men’s and women’s styles. Entry level pricing on the 1 series starts at $879.99 for the 1.2 and $1099.99 for the 1.5.

5. The Trek 2 Series: This is a nice mid level bike for those who want to get out and enjoy the ride but have a little more money to spend. The aluminum frame, carbon fiber forks and posts make this a very fast ride. From the racing drop styled handlebars, to the 10 speed gearset you will find it a very comfortable ride. Comes in the 2.1 model at $1319.99 with Bontrager SSR wheels, or in the top of the line 2.3 model that features Bontrager race wheels for $1809.99 this is a great bike for the serious road racer.

Trek bicycles are made in the U.S. and with a little shopping around you can find the model that suits your needs and budget. Many of the greatest cyclists in the world ride a Trek to victory in some of the toughest races in the world. Lance Armstrong, winner of seven consecutive Tour de France races rides on a Trek. There are many manufacturers of bicycles but Trek is definitely one of the best so get one for yourself and get out there and ride.

Sources: http://ift.tt/1kTPJyZ, www.velospace.com, www.buzzillions.com, http://ift.tt/22ZEZ7X

Tags:2009 Trek Road Bikes Under $2,000

2009 Tennessee Endangered Species Act Grant

The Endangered Species Act of 1973 has been regarded as “the strongest and most effective wildlife conservation law” in the world. This act was put in place by Congress with only one goal to be met, “to reverse the alarming trend of human-caused extinctions that threaten the ecosystem we all share. Section 6 of this Endangered Species Act authorizes the Cooperative Endangered Species Conservation Fund, which has a budget for 2009 of $75.5 million. This funding covers the Endangered Species Grant program.

The Cooperative Endangered Species Conservation Fund provides Endangered Species grants to States and Territories to be used on non-Federal lands for species and habitat conservation. Before States and Territories are eligible to receive funding from these grants they must enter into an agreement with the Secretary of Interior. Also, the States and Territories who receive an Endangered Species Federal Grant are required to contribute at least a 25% non-Federal match of the estimated cost of the all approved projects to be covered by the program. Joint projects implemented by 2 or more states or territories require only a 10% non-Federal match.

There are three types of Endangered Species Grants. These are Recovery Land Acquisition Grants, Habitat Conservation Planning Assistance Grants and Habitat Conservation Plans Land Acquisition Grants. Recovery Land Acquisition Grants fund the acquisition of lands where endangered or threatened species habitats are located. Habitat Conservation Planning Assistance Grants fund Habitat Conservation Plans. Habitat Conservation Plans Land Acquisition Grants fund the acquisition of land that is associated with approved Habitat Conservation Plans.

The State of Tennessee received a 2009 Endangered Species Grant that totals $86,912 and is valid from January 1, 2009 through June 30, 2009. This grant provides funding for continuing the surveys and management of rare plants and rare plant colonies as well as implementing recovery activities. Plant species included in these surveys are Piratebush, Morefield’s Leather Flower, Leafy Prairie Clover, Stones River bladderpod, Large flowered skullcap, Price’s potato bean, small whorled pogonia and the white fringeless orchid. These studies aid in the management of these species of plants.

Protecting and restoring the population of endangered species is an important aspect of the United States Fish and Wildlife Service (USFWS). Projects that are funded by the Endangered Species Grant program are one way that the USFWS combines with the states and territories to accomplish what needs to be done to assure a future for these particular species of wildlife, plants and fish.

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2009 Trick-or-treat Schedule for Allentown and Lehigh Valley Area

The trick-or-treat dates for Allentown and surrounding areas in the Lehigh Valley, Pennsylvania are listed below. Remember that participating homes need to turn on their porch light.

Alburtis: 6-8 p.m. Oct. 31. No rain date.

Allentown: 6-8 p.m. Oct. 30. No rain date.

Allen Township: 6-8 p.m. Oct. 31

Bath: 6-8 p.m. Oct. 31

Bethlehem: 6-8 p.m. Oct. 30

Catasauqua: 6-8 p.m. Oct. 31. No rain date

Coopersburg: 6-8 p.m. Oct. 31. No rain date

Coplay: 6-8 p.m. Oct. 30. Rain date, Oct. 31.

East Allen Township: 6-8 p.m. Oct. 30

Easton: 6-8 p.m. Oct. 31

Emmaus: 6-8 p.m. Oct. 29

Fountain Hill: 6-8 p.m. Oct. 30

Hamburg: 6-9 p.m. Oct. 28, 29

Hellertown: 6-8 p.m. Oct. 30

Jim Thorpe: 6-8 p.m. Oct. 28

Lower Macungie Township: 6-9 p.m. Oct. 31

Lower Saucon Township: 6-8 p.m. Oct. 30

Lowhill Township: 6-8 p.m. Oct. 31. Rain date, 6-8 p.m. Nov. 1.

Tags:2009 Trick-or-treat Schedule for Allentown and Lehigh Valley Area

2009 Toyota Yaris Sedan Review

With gas prices soaring last year, the automakers went into a frenzy to bring smaller cars to the U.S. market. Many automakers already had subcompacts for sale in other markets, so bringing one to the U.S. meant changing it slightly and undergoing emissions and safety tests for our market. The subcompact class of cars bring good fuel economy in a small package for a low price.

Even with gas prices back down, subcompacts make a lot of sense to commuters for traveling to and from work. They offer more than enough room for a few people and are easy on the budget both when you purchase them and when you fill them up at the pump.

A new subcompact offered by Toyota is the 2009 Toyota Yaris. This review will focus on the Yaris sedan as there is also a 3 door liftback and 5 door liftback version of this vehicle available. The Yaris sedan offers a lot in a small package and does so at a price that most buyers can afford. Don’t expect premium options or excessive performance from the subcompact Yaris, but do expect frugality and Toyota build quality.

Pricing and Standard / Optional Features: The 2009 Toyota Yaris comes to market as one of the lowest priced Toyota vehicles available. The Yaris sedan starts at only $12,965. A bargain for a Toyota product. There are many options that can be added which will certainly increase the price dramatically. The base Yaris comes stripped down and certain options should be considered. Optional item such as cruise control, power locks, and power windows need to be added. Along with option packages that include a rear defroster, and daytime running lights. These options are standard on most cars and should be standard on the Yaris, so add them to yours if you decide to buy this model. The Yaris sedan is significantly larger in size than the Yaris 3 door liftback.

Performance: In terms of performance, don’t expect much of it from the Yaris. The Yaris sedan is equipped with a 1.5 liter 4 cylinder engine that outputs only 106 hp. However, the Yaris is a lightweight and the engine is not tremendously underpowered. The Yaris sedan returns 29 mpg city and 36 mpg highway. Good numbers for any car. the Yaris is equipped with ABS and and electronic brake distribution, a rarity in a budget vehicle. Reviews on the Yaris are not always favorably. The Yaris is fine basic transportation, but lacks agility and ride quality of other subcompact vehicles.

Bottom Line: If you are in the market for a subcompact car, there are better and worse choices than the Toyota Yaris sedan. The benefits of a subcompact include great gas mileage and a budget friendly price. The downside, many subcompacts offer poor ride and isolation, poor handling, and few amenities. If a subcompact vehicle is right for you, the Yaris is a mid pack offering that requires consideration.

Tags:2009 Toyota Yaris Sedan Review

2009 Tax Planning

There are changes in the economy (recession), changes in the White House (new President) and, of course, changes in the tax code (more confusing)!
Let’s take a look at some of the things you will need to know about for your 2009 taxes.

There’s a lot of conversation regarding “Make Work Pay.” Some taxpayers are under the misconception that they will receive a check in the mail, like the stimulus. In actuality the “Make Work Pay” tax credit is a reduction in your tax rate that you should be able to see as an increase in your take home pay. Contact the payroll department where you work and find out if you need to change your withholding to reflect the credit.

There is a first time homebuyer tax credit. It is important to know that the Internal Revenue Service defines a first time homebuyer as someone who has not owned a principal residence for three years before the purchase of the new home. Of course, you must also buy the house within calendar year 2009.

If you make an energy conserving improvement to your home in 2009, you can get a tax credit. You can take advantage of the Energy Conservation Credit and receive up to a $1500 tax credit. However, you must apply that credit to your 2009 and 2010 taxes. So it is only good for $750 each of those years.

You can receive a tax credit for the purchase of hybrid automobiles. The American Recovery and Reinvestment Act along with the Emergency Economic Stabilization Act make it possible for you to get credits depending upon the propulsion, height, and weight of a hybrid vehicle.

There are tax breaks for flood victims in 2009. The tax breaks for flood victims come in the form of expanded deductions. Prior to 2009, flood victims could only claim loss up to specific amounts; however, they can now claim the totality of their loss as a deduction. Remember that you can only get the full credit if you itemize your deductions.

The first $2400 of unemployment assistance is now free from taxation.
With so many changes in 2009 tax laws, restrictions, regulations, credits, deductions, exemptions, and liabilities, things can get confusing. It is important to know how the new tax laws affect you and what credits, deductions, and exemptions you are now entitled to use. In order to be certain that you are not missing out on any tax breaks for which you qualify, there are two methods – just refer to the eBook ‘Stop donating your money to IRS’ which will help you in understanding the whole thing in simple language. It may also be good idea to have a tax professional prepare your 2009 income tax return.

The revisions made in the tax laws for the year 2009 are many. There are tax breaks, tax exemptions and tax credits. But do not go over-confident while claiming them. Hire a professional to claim according to your eligibility and pay minimum taxes. Chintamani Abhyankar explains.

Chintamani Abhyankar, is a well known expert in the field of finance and taxation for last 25 years. He has written many books explaining inside secrets of the magic world of personal finance. His famous eBook Stop donating your money to IRS which is now running in its second edition, provides intricate knowledge and valuable tips on personal finance and income tax.

Tags:2009 Tax Planning

2009 Wimbledon Championship Predictions

Are you a major tennis lover like me? Is it true that you crave watching professional tennis matches and live for the tennis grand slam tournaments? How about Wimbledon? Wimbledon provides beautiful green grass tennis courts and it is the oldest, most storied and most cherished grand slam tournament in tennis.

I guess it is safe for me to gamble that you are highly looking forward to watching the Wimbledon tournament in 2009. I will discuss who I believe will win the Wimbledon tournament this year.

I will first discuss the women’s side. I believe the tennis player who possesses the premier shot at winning Wimbledon in 2009 on the ladies’ side is Venus Williams. One reason is she possesses tremendous strength and a powerful serve, which are two characteristics that are very important for helping a player to win a tournament that features grass courts such as Wimbledon. Another reason is Venus is extremely dominant at Wimbledon and she has won the majority of her grand slam titles there.

I believe the tennis player who has the second best shot at winning Wimbledon this year on the ladies’ side is Venus’ sister, Serena. Although Serena is very strong and possesses a very quick serve like her sister and is a few years younger than she is, Venus is still playing at a very high level and she has held an edge against Serena at Wimbledon.

We will now discuss the men’s side. In my book, Roger Federer is the favorite to win the Wimbledon title in 2009. He can hit the ball with plenty of power and spin and he can create special angles when hitting the ball. It is said that he is a genius with the racket. Another thing he has going for him is he stays mentally strong throughout long matches and can get inside an opponent’s head. He can come back and win after losing the first two sets of a best-of-five match. He almost always prevails in the deciding fifth set. Winning set tie breaker games is his forte and he can serve aces in those crucial situations. Finally, he tends to play his best tennis in finals and he has the most success playing on grass courts.

I think Rafael Nadal is the second favorite to win this year. He is the only player who can match Federer at making magical shots and he has the youth and speed to run down Federer’s corner shots; furthermore, he has won 13 of his 19 matches against Federer and he has developed the ability to win big events on grass and hard courts like Federer. Nadal is catching up to Federer at Wimbledon. He lost to Federer in four sets in 2006, lost to him in five sets in 2007 and beat him in a five-set marathon last year.

Federer seems to be enduring a microscopic decline in his late twenties but he should win this year. He still plays at a very high level; he is still very good and intimidating and he knows he must step up a notch and win two more grand slam titles quickly to pass Pete Sampras’ mark of 14 while he is still relatively young. Look for him to succeed as his hunger exceeds his greatness.

Tags:2009 Wimbledon Championship Predictions

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