Monday, December 2, 2013

Electric Cars - The Way of the Future

Nowadays, if you talk about the car of the future, it's all about electric cars. In fact, the 2011 World Car of the Year was a fully electric car, the Nissan Leaf.And why should we not love electric cars? Though people may argue that electric cars still cause pollution because the factories that create the electricity they use are still pollutants, that is not necessarily true.When your car depends on electricity, you can have that electricity made by greener, sustainable energy sources such as wind, wave, geothermal heat, solar power, etc. It does not necessarily have to be fossil fuels.On the other hand, a gas- or diesel-powered car is inevitably fossil-fuel powered.The case of ChinaToday, an oft-mentioned example when people argue against electric cars is one study, released in February 2012 by the University of Tennessee, which says that when the China began using more electric cars, the amount of pollution the people were exposed to actually increased. True, the electric cars themselves were producing less emission than their gas counterparts - but the cars needed to be charged, and 85% of China's electricity comes from fossil fuels.But what if China's electricity came from cleaner sources? Then it would an entirely different story. As study author Chris Cherry said, "The study emphasizes that electric vehicles are attractive if they are powered by a clean energy source.Therefore, he explained, "it is important to focus on deploying electric vehicles in cities with cleaner electricity generation."Clean electricityIn the UK, the green energy movement is on a roll. Major energy companies such as Centrica are investing in renewable energy technologies such as wind, biomass, solar energy, and landfill gas.In your very own home, you could install your own solar photovoltaic panels, which would allow you to generate your own electricity from the sun's radiation - not sunlight, but radiation, which goes through the clouds. This means that as long as it is daytime, even if it's a cloudy day, you could still be making your own energy.And if you're not able to use all the power your solar panels generate, you could feed it into the grid and earn extra income.With all these things, assuming that you use your electric car to drive 12,000 miles per year, your solar panel could for itself in less than five years, according to figures released in 2011 by British Gas. In the next twenty years after that (based on a solar panel's 25-year manufacturer's performance warranty), you would be getting your car's electric power at practically no cost to you or the environment.Today, more than ever, owning an electric car has been made more convenient. For less than £800, you could have your own electric-vehicle charging station at home.If you are interested in this option, ask your electric car's manufacturer about the installation of these stations. If your car is a Nissan, Renault, or Toyota, the charger-installing partner of these companies for the UK is British Gas.



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Thursday, November 28, 2013

Why You Must Have a Good Credit Score?

Your credit and its history are very important especially for your financial life. Your credit score will be with you forever and it can truly affect almost everything in your life. People often think their credit score only matters when it comes to loan or credit card applications but it is actually more than that.The importance stuff in your credit is your credit report and score. Your credit report includes a detailed history of all your accounts, transactions, delinquencies, balances, personal information, inquiries and many more. While your credit score is a three-digit number that will fall within 300-850. With all the details in your credit report considered, a formula is then used to compute for your credit rating and of course, the higher it is the better. It is to determine whether you are worthy enough for a loan and so on.When you have a poor or low score, it is obvious that you will have trouble borrowing money from banks or applying for cards. But it goes beyond that. A low score will affect future activities and even employment opportunities. A low score will also get you very high interest rates that is probably five or six percent higher than the ones you get with a good credit scores. When dealers see you with a good score, they won't see you as a risk and will be happy to do business with you anytime. While a poor score will get dealers to ask a bigger deposit from you because they think that you won't be able them regularly.Your credit score will also determine how companies look t you. Companies want to hire employees that are trustworthy and responsible. This is actually a controversial thing going on in the industry because some say that it's completely wrong for companies to judge them through how they make their payments and all. But still, this is something to keep in mind, especially if you are applying for a high job position. They would run a credit check automatically without your permission and from the on it's their decision.Your credit score matters a lot in your life. Save yourself some time, money and effort and work on improving it as early as now. Your credit is a reflection of you. How you deal with financial matters and your being financially responsible is what it shows. These are just a few examples of how important your credit rating is and its advantages. Do more research so that you can work your way up to 850 easily.



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