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Since gasoline hit per gallon in the summer of 2008, small cars and hybrids have surged in popularity. Until recently that is and now all car sales have flattened somewhat.

Many people are holding onto their automobiles longer and fixing them in transmission shops and car repair establishments rather than buying new. But, what has some car fans all riled up recently are the small cars that are appearing at the New York Auto Show.

Models such as the Toyota Scion iQ, Volkswagen Golf VI and Fiat 500 are turning heads. Suddenly the Toyota Yaris and Ford Focus have a little competition.

The Scion iQ is particularly enigmatic at only 10 feet, 7-inches long from front to rear bumper. The 3-seater iQ is only two feet longer than the Smart Fortwo.

On the other hand, the Volkswagen Golf VI took the World Car of the Year award and is now on sale in Europe. The U. S. rollout of this car is unclear at this point in time.

The U. S. rollout of the Fiat 500 is also uncertain as the automotive financial crisis has hit the automaker hard. But, the problem with small cars is that they simply won’t work for some consumers.

Soccer moms with kids jumping around, sports equipment to haul along with Girl Scout cookies and other fundraiser items to carry need larger vehicles for their lifestyles. With the push for greener and more fuel efficient vehicles recently this will need to come from technology.

A greater number of larger vehicles will need to increase fuel mileage through more advanced engine technology or from becoming hybrids. But, that said, the emphasis on downsizing vehicles in the big picture scope of things is here to stay for a while.

Solar energy, wind turbines and smaller green cars are the trend and automakers must adapt quickly. According to the New York Auto Show, the automakers are doing just that.

Copyright © 2009 Tom Harris, all rights reserved.

Tom Harris writes about cars and promotes the AAMCO Victorville Hesperia Apple Valley, CA transmission service as a way to keep one’s current vehicle a little longer.

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I want to invite you to a 1-day workshop that will put you in the right path to increase your financial intelligence. Financial Intelligence is the ability and knowledge to legally pay 20% Tax rather than 50% tax! Financial Intelligence is knowing how to eliminate all of your credit card and loan debts forever – legally, Financial Intelligence is knowing how to grow your money using leverage peinciples and investments Being finaniclly intelligent is know how and why you should protect your assetts from financial preditors and economic disastors. If you wouldlike to increase your financial intelligence, come to the ‘Increase Your Financial IQ workshop – Saturday January 23rd 2010 – 10am – 4pm – London – Regents Park!
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There is a growing awakening that the way things have been progressing just can’t continue if we are to sustain a growing world economy. The “flat world” has made your business my business even if you’re conducting your business on the other side of the planet.  Available and affordable technology has made it possible to make current decisions based on future consequences.  Intelligence will tie it all together and thus intelligence is our most valuable asset.

From Wickipedia: Self-Monitoring, Analysis, and Reporting Technology, or S.M.A.R.T. (sometimes written as SMART), is a monitoring system for computer hard drives that detects and reports on various indicators of reliability, in the hope of anticipating failures.

IBM recently launched its “Smarter Planet” campaign focusing on climate disruption, energy geopolitics and food supply hazards.  They are spearheading an infusion of intelligence into the way the world works through technological systems and procedures.  IBM wants to be seen as a leader in the way goods and services are developed, manufactured, sold and delivered.  They see opportunities in the fields of people, money, water and electronics, and it’s all about becoming a “Smarter Planet”

In January of 2008 Daimler-Benz AG introduced the Smart Fortwo in the United States, the “it” car of Europe. The Smart Fortwo claims to not only be a fuel efficient mode of transportation but a worldwide statement on innovation, intelligence, functionality and the return of the simple joy of driving.

Last month Best of the US has launched a new website, SmartestofUS.com, in an effort to find the smartest people in the United States.  The site administers an IQ Test then ranks the participants against all other participants.  They want everyone in the United States to have a SUS Score (Smartest of US Score) making it apparent who we are electing to governmental positions, who we are placing at the head or our corporations, and who we are considering dating next weekend.

 What brought all this on?  Could it be that we’ve been acting so dumb over the past several decades?  Consider our abuse of our environment, our abuse of credit, our abuse of our fellow man, our abuse of our own bodies, our abuse of personal values. 

 If we had acted with any level of “Smart” would we have allowed our economy to fall into the depth of financial jeopardy that we find ourselves in today?  It’s time that we evaluate our corporate and governmental leaders based on there level of intelligence as well as their character.  Could an intelligent man or woman could have taken our country and our banking system into the financial collapse that we are experiencing unless they had a terrible character flaw.  The sub-prime crisis was openly predicted in early 2007 yet both our corporate and governmental leaders chose to ignore these warnings.  The Trillion Dollar Meltdown published in January 2007, and discussed in a Senate hearing, detailed what was going to happen over the coming months but it was ignored by our leaders.

 We have known that we were increasing our dependence on foreign oil for decades yet we have never established a national energy policy designed to eliminate this dependence even though we recognize it as a threat to our national security.  In comparison to the rest of the developed world, our country holds gasoline prices artificially low allowing our cars to remain large and thirsty. We consume 390 million gallons of gasoline per day in the United States.  A “Smart Government” would establish a .00 to .00 national gasoline tax to force us into more economical automobiles, reduce our use of foreign oil and stimulate the discovery alternative fuel sources.

 Our nation is becoming an island of “fat people”; my trips to Europe, China, South America, and Russia all ended in a U.S. airport with the recognition that the U.S. is full of obese people.  Why is this a surprise?  We provide them 200,000 fast food restaurants and take from these fatties over 0 billion yearly to assist them in their quest for obesity. These are the same people that are taxing our health care system, these are the people who are increasing our health insurance rates, ending up on workman’s compensation, SSI, and welfare, and these are the people who are eating themselves to death.  A “Smart Government” would discourage this behavior.  A fast food tax is past due, groceries should not be taxed but a Big Mack should cost at least .00; that’s a lot less than by-pass surgery, that you and I end up paying for in our health insurance premiums.

 How can a “Smart Nation” allow health insurance costs rise while allowing 50 million packs of cigarettes per day to be sold to its citizens?  Why doesn’t a pack of cigarettes sell for more then .00? We know that cigarettes cause cancer, heart disease, and a multitude of other illnesses, all which are reflected in our health insurance costs. We ban smoking in restaurants, public buildings, even in some apartment buildings yet we chose to ignore the cost to our health care system.

 Over 42,187 of us will die on our highways this year; 13,500 or 32% of which will involve the consumption of alcohol.  Wouldn’t a “Smart Nation” discourage such a behavior?  We consume 21 million gallons of beer per day.  This consumption of beer and other alcoholic beverages is reflected in our health insurance and auto insurance costs.  Wouldn’t it make since to enact a national 6-pack tax?

 Have you noticed that our nation is falling deeper and deeper into debt?  What if as a “Smart Nation” we could discourage bad behavior, reduce our health insurance costs, eliminate our dependence on foreign oil and raze over 0 billion in new taxes per year .  My SUS Score is only 104, but this seems like “the smart things to do.”

 

Let’s follow the lead of a few and grab hold of this “Smart Movement”.  Let’s demand that our government and our corporations are led by Smart People, and that they have a Smart Agenda. I don’t think it maters anymore it their Republican or Democrat, liberal or conservative, if their not Smart let’s get rid of them.

 

There is a growing awakening that the way things have been progressing just can’t continue if we are to sustain a growing world economy.  Available and affordable technology has made it possible to make “Smart Decisions” based on future consequences.  Intelligence will become our most valuable asset in this new age.

Kerry is the owner and developer of www.BestofUS.com, and www.SmartestofUS.com. Both sites are dedicated to the recognition of intellectual and professional excellence.

BestofUS.com lists over 60,000 of the best professional service providers in 10 professions by city and state. The sites goal is to eliminate mediocrity from the legal, medical, and financial professions.

SmartestofUS.com administers a free IQ Test then compares scores to all other participants. The site strives to identify the smartest people in the United States while promoting our individual intelligence as the U.S’s greatest asset.

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THE ISSUE on SANGGUNIANG PANLUNGSOD of OLONGAPO & SUBICWATER

This had been WORKED ON by the supposedly RECIPIENT of the City Government APPROPRIATION through the SANGGUNIANG PANLUNGSOD [ almost EVERY WEDNESDAY, to consider the same wasn’t given a CHANCE TO TALK her PIECE re : Concern which is the EVER CELEBRATED & LONG and UNENDING TAMPERINGS of SUBICWATER – as in the Court Cases is termed ” DELITO CONTINUADO ” and even had reached the SUPREME COURT and the Assistances of MALACANANG even the time of Senator RENE CAYETANO in the Legal Office of Malacanang and the term of former President FIDEL V RAMOS, and the succeeding Philippine Presidents . Further which was a SIMPLE ” escape goat ONLY ” of same Subicwater that in order that BE ACQUITTED for their ADMIN, CRIMINAL, & CIVIL CASES and with INCREASING NUMBER OF DEATHS of Concessionaires of the Citizens of OLONGAPO due the ALZHEIMER’s DISEASE or BRAIN DAMAGE or MENTAL RETARDATION . Acquittal at the expense of this same VICTIM & COMPLAINANT that was FOR SEVERAL TIMES was SCANDALIZED for a REVERSED INSANITY instead of the CONSUMERS of the same DRINKING WATER . Same Complainant who had TREAT the WATER of the CITY & later of the SUBIC BAY even when already deployed in the Office of the Technical Consultant, and previously in the M.I.S. And Other Departments of the Company, too, further who SURELY CAN’T be SUSCEPTIBLE per the INTAKE as TREATING OWN DRINKING WATER for SAFETY ; and CONFIRMED as even had TOPPED the IQ TEST & etc. of the US / UK since 2005, and the PHILIPPINES through the SAME as # 1 ] .

Simply, the ASSISTANCE supposedly was FOR PAYMENT of TESTS either @ UST or MAKATI MEDICAL CENTER but JUST TO PAMPER [ by the Sanggunian ] the WISHES of Subicwater CASE RESPONDENTS in PROVING the INSANITY and DISAGREED TO TAKE THE SAME EXAMS as SURELY WILL FAIL due the OBVIOUS SUSCEPTIBILITY and MORBID BEHAVIORS .

The MAYOR SIGNED the CHEQUE and this same Complainant was further INSTRUCTED TO COME BACK on the ff day at 9am but wasn’t even AS TO DATE given either the CHEQUE itself or the AMOUNT of Php 10,000.00 .

And one of the EA’s of the MAYOR’s Office, named ERNIE, after several years was noting that the CHEQUE was RECEIVED by this Complainant but NEVER, even had seen the same cheque after was SIGNED by the MAYOR, and as previously countersigned by Mr. JUICO .

This hereby, even VERY LATE as have KNOWN LATE as well, DEMANDS the PAYMENT with NO FURTHER CONDITIONS or even the NONSENSE TESTS ; that SAME PAYMENT BE ISSUED regardless of WHO’S WHO in the SANGGUNIAN or else these MATTERS BE BROUGHT TO THE COURT .

MARILOU M. GAMBOA

IQ = 138 , OTHER TEST RESULTS as Attached .

This also DEMAND the Long & Overdue PAYMENTS of Subicwater to have REACHED already MORE THAN 5 BILLION Philippine Peso as for ASAP RELEASE or else be FINALLY Addressed as same in 2003 with the MOVABLE & IMMOVABLE PROPERTIES of same Respondent Company – Subicwater . And where such Company’s INVESTMENTS during the PRIVATIZATION in APRIL 1997 was through the PFS of same MARILOU M. GAMBOA, and where LOANS Approved by then FEBTC and then absorbed by BPI were in the NAME of same Marilou Gamboa as earlier Confirmed by same BANK OF THE PHILIPPINE ISLANDS .

For the LEGAL PROCESSINGS .

And where such PSEUDO INFORMATION as to either the City or SBMA CLAIMS aren’t genuine and have NO MERITS or BASIS .

01 MAY 2010, Manila, Philippines .

Sangguniang Panlungsod ng Olongapo Ordinances

2005 ORDINANCES

2005 Ord. NO. 41AN ORDINANCE APPROPRIATING THE AMOUNT OFTEN THOUSAND PESOS (PHP10,000.00) AS FINANCIAL ASSISTANCE TO MS. MARILOU GAMBOA

30 June 2005
2005 Ord. No. 41

EXCERPTS FROM THE MINUTES OF THE REGULAR SESSION OF THE SANGGUNIANG PANLUNGSOD OF OLONGAPO, HELD ON
JUNE 29, 2005, AT THE CITY HALL.

PRESENT:

Hon. Rolen C. Paulino – – – – – – – – – – – – – – City Vice Mayor & Presiding Officer
Hon. Noel Y. Atienza- – – – – – – – – – – – – – – City Councilor
Hon. Cynthia G. Cajudo – – – – – – – – – – – – – ” “
Hon. Bella P. Asuncion – – – – – – – – – – – – – – ” “
Hon. Marey Beth D. Marzan- – – – – – – – – – – ” “
Hon. Angelina B. Andrada – – – – – – – – – – – – ” “
Hon. Brian Patrick H. Gordon – – – – – – – – – – ” “
Hon. Anselmo A. Aquino – – – – – – – – – – – – – ” “
Hon. Edwin J. Piano- – – – – – – – – – – – – – – – – ” “
Hon. Gina G. Perez – – – – – – – – – – – – – – – – – ” “
Hon. Napoleon F. Capistrano- – – – – – – – – – – President, Liga ng mga Barangay
Hon. Robine Rose C. Buenafe – – – – – – – – – – SK Federation President

ABSENT:

N o n e .

In the interest of public service and with the unanimous accord of the Members of the Sangguniang Panlungsod present,

RESOLVED, AS IT IS HEREBY RESOLVED, by the Sangguniang Panlungsod in session assembled, to enact the following Ordinance:

ORDINANCE NO. 41
(Series of 2005)

AN ORDINANCE APPROPRIATING THE AMOUNT OF
TEN THOUSAND PESOS (PHP10,000.00) AS FINANCIAL
ASSISTANCE TO MS. MARILOU GAMBOA

BE IT ORDAINED, BY THE SANGGUNIANG PANLUNGSOD IN SESSION ASSEMBLED, THAT:

SECTION 1. The amount of Ten Thousand Pesos (PhP10,000.00) is hereby appropriated from the Unappropriated Balance of the General Fund not otherwise appropriated and the same is hereby made available as financial assistance to Ms. Marilou Gamboa.

SECTION 2. This ordinance shall be subject to the usual accounting and auditing rules and regulations.

SECTION 3. The pertinent letter request of Ms. Marilyn H. Custodio, Social Welfare Assistant of City Social Welfare and Development Office dated May 24, 2005 is hereby made as integral part of this Ordinance.

SECTION 4. This Ordinance shall take effect upon the availability of funds from the Office of the City Mayor.

APPROVED UNANIMOUSLY, June 29, 2005.

ROLEN C. PAULINO
City Vice Mayor & Presiding Officer

NOEL Y. ATIENZA CYNTHIA G. CAJUDO City Councilor
BELLA P. ASUNCION MAREY BETH D. MARZAN City Councilor
ANGELINA B. ANDRADA BRIAN PATRICK H. GORDON City Councilor
ANSELMO A. AQUINO EDWIN J. PIANO City Councilor
GINA G. PEREZ NAPOLEON F. CAPISTRANO City Councilor President, Liga ng mga Barangay
ROBINE ROSE C. BUENAFE SK Federation President

ATTEST:

ELFLIDA S. SALMON
Council Secretary

APPROVED BY HIS HONOR, THE CITY MAYOR .
JAMES GORDON, JR.
City Mayor

ATTEST:

DELFIN A. JUICO, JR.
Secretary to the City Mayor

posted by jhecs at 6/30/2005

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29 June 2005
2005 O – 41 – APPROPRIATING THE AMOUNT OF TEN THOUSAND PESOS AS FINANCIAL ASSISTANCE TO MS. MARILOU GAMBOA

2005 O – 41 – AN ORDINANCE APPROPRIATING THE AMOUNT OF TEN THOUSAND PESOS (PHP10,000.00) AS FINANCIAL ASSISTANCE TO MS. MARILOU GAMBOA

Labels: APPROPRIATION, finanical assistance, ms. marilou gamboa

posted by Ed Piano at 6/29/2005

MARILOU GAMBOA y MANALILI is a Licensed CHEMIST by Profession, and the Board Chair of Region III of the ICP – Integrated CHEMISTS of the Philippines, and the CHARTER PRESIDENT of the Olongapo-Zambales Chapters, further an Ex-Oficio Delegate to the Board Directors of ICP National Chapter . The Quality Control CHEMIST of the former Olongapo City Water District and later of Subicwater, as Privatized in APRIL 1997, where the same was the Official PROPONENT of same Privatization and had collateralled OWN PFS that was granted LOANS by FEBTC that later was absorbed by BPI . With Subicwater Cases’ RESPONDENTS cases as to Administrative, Criminal, & Civil, and where PAYMENTS to this same Complaianant couldn’t be done, thus, was satisfied through Supreme Court Rules from the Movable & Immovable Properties of same Subicwater, further which is already due the PFS . CORPORATE RIGHTS, therefore, is LEGAL even with the SEC by same MMGamboa as processed in 2003 after the Respondents were adjudged for NO BAIL ARRESTS and were actually through the posts of General EBDANE and time of DOJ Perez & Datumanong .

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While we all strive to be debt-free, the reality is that most people in modern society have credit card debt. It happens for many reasons, often beginning slowly and insidiously increasing until we feel we are under a mountain of debt.  Perhaps we borrowed for ‘good’ reasons, such as to help with school or moving expenses, or perhaps the expenses were justified so long ago or so often that we honestly don’t remember anymore.

Sometimes we feel we can handle it, and congratulate ourselves for paying more than the minimum every month. The truth is, however, that unless you are paying off your credit card debt IN FULL every month, you are racking up debt – putting your hard-earned, after-tax dollars into someone else’s pocket, causing your original purchases or relief to cost you potentially many times over the original amount over the years. Money that could and should be earning interest FOR you is, instead, a lovely and healthy asset for someone else.

At this point in the debt cycle, many people feel overwhelmed and do one of several crazy things: they begin spending MORE, feeling things are hopeless and why bother worrying about it; they stop caring or get in over their heads and begin missing payments; or they consider bankruptcy.

Warning! All of the above options may feel good in the moment, but all have disastrous effects on your credit rating, which, even if you don’t care about it now, will indeed cause you to feel regret and remorse when the consequences hit home some day in the future. Instead, consider the following to stave off disaster while you re-group and form a proper plan to get yourself through, and hopefully to put yourself firmly on the road to financial health and even independence:

TIP #1: Speak to your banking institution/s. Honesty and open communication is the best policy here, as getting to know a friendly face at your bank can make all the difference in how your accounts are handled. Considering debt consolidation? Start with your bank, for a couple of good reasons: your bank is a known, trusted entity (even if you don’t agree with all their service charges), and may offer you lower rates because of your existing customer status. Also, a loan from a bank actually improves your credit rating, whilst a similar loan from a debt consolidation company can actually have the opposite effect in some cases.

TIP #2: Call your credit card companies, again with the goal of keeping open communication. Speak with as many people as you have to in order to negotiate either a lower interest rate, lower minimum payments for a set time, or some other compromise. Remain calm and professional, and remind them that you wish to continue fulfilling your obligation. You may also ask them for any ideas they may have, such as alternate cards with less frills but an accompanying lower interest rate.

 TIP #3: Consider credit counselling, but only from reputable providers. Many companies in this line of business actually take shameful advantage of the desperation of their clients and pull some not-so-funny tricks. Try your bank for referrals of above-board credit counselling – they may even offer in-house help in sorting out your difficulties. You are not the first nor the last to be going through tough economic times, and most banking institutions are deeply concerned as well. Many are making efforts to comfort and help their customers and to ensure both the customers – and the banks themselves – will be around and in healthy financial condition for years to come.

Above all, remember that you are not alone and do not panic. People make strange financial decisions when they are afraid or overwhelmed, and once the air clears they may regret actions they cannot undo. Your thoughts are very powerful, and can deeply affect your behaviour and decisions about all things financial. For an enlightening look at how your mindset affects your finances – and how to improve what is called your ‘financial mindset’ – along with bonus material which deals with keeping your peace of mind during these turbulent times, improving your credit rating and more, you may find the popular ’30 Days to Wealth’ program a valuable tool (this is now available in instantly downloadable e-book format for those who do not have access to or time for the course).

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