Category: Free Articles

If you are in the market to lease a vehicle, you will hear the term
“residual value” recur like a leitmotif. A residual value does not only
affect your monthly payments, but is equally used by leasing companies
to determine any penalties should you break your lease early and how
much to pay if you decided to buy the vehicle at the end of your lease.

Let us first start by looking at the meaning of residual value. The
term “residual value”, refers to the value of something after it has
been used for some time. In leasing lingo, it refers to the
depreciation of the vehicle’s value over the life of its lease.
So how does it exactly affect your monthly payments? When you lease a
car, you pay for the car’s value that you use over the lease length.
Suppose you leased an $18,000 car for 2 years: the leasing company
needs to estimate the value of this car in two years time in order to know
how much of the car you will be using during your lease term. That’s where
the “residual value” comes into the equation. If the residual value is
estimated to be $13,000 at the end of your lease, then your monthly
payments will be calculated on the $5,000 you will use over 24 months,
giving an average monthly payment of $208.3 (plus interest, tax and fees).
How about if the car is expected to lose half its value over the same
period? In this scenario, you will be using $9,000 over the same period,
leaving you with a higher monthly payment of $375 (plus interest, tax and
fees).
As you can see, residual values are a key factor in determining how much
money to pay on your lease and the higher the residual value, the lower
your monthly fees. This works in reverse if you build a bond with your car
and decide to purchase it at the end of your lease. If we stick with the
same example above, the lower monthly payments in the second scenario come
at the cost of paying substantially more to buy your car at the end of the
lease.

So, since the residual value is so important, how do I know which one is
best for me? Well, it all depends whether you want to purchase the car at
the end of your lease. If you don’t want to make a large down payment and
you want low monthly payments, then a car that holds with a higher residual
value is a good deal. If you are thinking of purchasing the car at
lease-end, then you need to balance low-monthly payments with a moderate
residual value.

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What are the different parts of a cigar? Many long-time smokers enjoy their stogies without learning the basic parts of their cigar. While it’s true that you can enjoy a cigar without knowing how it was put together, learning the basic parts of a cigar can be instrumental in helping you choose the best quality cigars.

The first thing many smokers notice about a cigar is the wrapper, the layer of tobacco on the outside of a cigar. A cigar’s wrapper is very important because it provides much of the flavor of the cigar. The best quality tobacco leaves are usually used to construct the wrapper. They range in color from very clear (claro) to very dark (oscuro).

Binders are known as the ‘intermediate leaves.’ They are used to hold the tobacco filler together. Binders can vary considerably.

Last but certainly not least is the filler used to make a cigar. The filler is the tobacco. Generally, filler can be either long or short. Long filler consists of whole tobacco leaves, while short filler consists of scraps.

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We have all heard of the risks associated with smoking cigarettes, but what are the risks of cigar smoking? Are the risks of smoking cigars just as dangerous, or more so? According to the National Cancer Instituted, regular cigar smoking can result in a major health threat. Scientific research has linked cigar smoking with cancers of the larynx, lungs, esophagus, and oral cavity. Newer research also indicates that cigar smoking may be strongly linked to the development of cancer in the pancreas. Doctors also caution that individuals who regularly inhale while enjoying a cigar are also at greater risk of developing lung disease and heart problems.

The health threats of cigar smoking appear to increase dramatically in those individuals who smoke regularly and inhale while smoking. Someone who smokes three to four cigars each day will him or herself at eight times the risk of developing some kind of oral cancer than a nonsmoker. Unfortunately, we do not yet know the health risks of smoking the occasional cigar. It seems clear however that smoking cigars on a daily basis can pose serious health risks.

Many individuals wonder if cigars are as addictive as cigarettes. Many wonder why, for instance, so many people become addicted to cigarettes, and not cigars? The truth is that any tobacco product can become addictive because it contains nicotine. Witness the effects of smokeless tobacco products on individuals. These products, such as chewing tobacco, can become very addictive, simply because they contain tobacco, which in turn contains nicotine. Many cigar smokers do not inhale deeply, thus causing the nicotine to be inhaled superficially. Cigarette smokers tend to inhale, causing the nicotine to be absorbed faster and more readily by the lungs. Even though most cigar smokers inhale the nicotine more superficially, it is still possible to become addicted if the user smokes cigars on a regular basis.

If nicotine is so addictive, why don’t more cigar smokers smoke more often? It appears that more people avoid becoming ‘hooked’ on cigars for several reasons. The most obvious reason is that the nicotine is inhaled much more superficially than in regular cigarette smoking, causing less nicotine to be absorbed by the body. Also, cigars are not as readily accessible as cigarettes. They are viewed by most as a luxury item, saved for special occasions and used infrequently. However, when cigars are smoked on a regular basis, they can become addictive. The health risks of any kind of smoking increase dramatically as frequency of use increases.

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Many people get confused and the difference between single malt and blended scotch. The blended variety consists of approximately fifty different grains, and single malts, sent from many different producers. The term single malt refers to one single distiller, and therefore what is produced, is indeed not the product of blending.

They say that every 50 years is the leveling out point on scotch, as it will no longer get better with age. Prior to that point it is like wine and will continue to produce a better taste. The differences in many of the distillers of fine scotch in Scotland can be very noticeable, as the geography lends to different techniques.

Each region of the Scottish territory yields a different product due to varying methods of development. Many methods can be employed, right down to the grains and water used. Some distilling companies even use certain peat mosses on the grains for added flavor.

One would assume you must try them all, to consider yourself a true aficionado.

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It is said that the acquisition of knowledge on any subject that you are interested in only increases your appreciation for it. This can easily be said about the finest of scotches as well.

There seems to be a trend building with aficionados flocking the rolling country sides in Scotland just to sneak a sample of the gold they seek. As one must experience to appreciate, it appears that this is a task for the strong willed in this subject.

One could imagine many trips booked from abroad flocking Scotland’s coastlines in search of the malt that has only been heard of and not been tasted. This is not merely just a trend, to Scotch enthusiast, it is rather a mission. To be experienced in the fine subtleties of these malts and blended scotch whiskies is to many a dream. Some could not even imagine the soft roll that many of these great spirits have to offer to the tongue.

Spending time with true connoisseurs of scotch and single malts gives you valuable insight as to what to look for in a full bodied fine scotch. They have made it a life ambition to seek out and test what the worlds finest has to offer. Many of these great spirits of course are not easily obtainable some run very steep in price and are on the wish list of some of the great testers of fine scotch everywhere. Generally they have first dibs, as the company will wait in anticipation for a vote of confidence and endorsement.

So too are the batches that are still maturing that so many people are waiting for with absolute excitement. Given the time it takes for some of these blends to reach an acceptable maturity where it will be appreciated it is only natural that many testers keep close tabs on the process and look for hints of up and coming blends that can be comparable.

As many professional testers will state, the best of the best still and most likely will always come from Scotland as they have mastered this art with a precision and dedication second to none. Testers will admit when they have stumbled on a gem from another country but honestly have not found that diamond in the rough all that many times.

So instead they give honest and professional opinions to the public, the benders, and distillers themselves, taking into account how harsh possible poor media coverage can be.

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The First Bottle: History of Scotch

Scotch is one of the most consumed alcoholic beverages of all time, after all it has been around for hundred of years however, little thought is usually given to the actual origin of this popular drink. As the name suggests, Scotch was originally produced in Scotland by Friar John Cor. After distillation was introduced by Scottish monks in 1494, fine scotch became a popular drink.

To the dismay of Scotch and other whiskey drinkers, whiskey was first taxed in 1644. This caused a rise in the number of what we would today call “bootleggers” who made and sold Scotch whiskey illegally. Later in 1823, the Scottish Parliament made it easier for one to own a licensed distillery and harder for illegal whiskey stills to stay in business. This began the modern production of Scotch whiskey.

Today, fine scotch whiskey production is much more technologically advanced: It has to be in order to keep up with the demand for this popular drink. However, you won’t find fine Scotch made here in the U.S, in order to adorn the name “Scotch” the whiskey must be distilled and matured in Scotland.

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We have all heard about the dangers of inhaling second hand smoke. Many people wonder if the dangers of inhaling cigar smoke are just as dangerous, or more. Unfortunately, it appears that being exposed to secondhand smoke from a lit cigar can be just as dangerous—or more—than regular cigarette smoke.

All secondhand smoke emitted by tobacco products are classified as environmental tobacco smoke. Environmental tobacco smoke refers to all the secondhand smoke released from tobacco products that are lit, such as cigars or cigarettes. Research indicates that the smoke from cigars and cigarettes releases many of the same types of irritants. Both cigar and cigarette environmental tobacco smoke contain nicotine, carbon monoxide, hydrogen cyanide, and ammonia. The environmental tobacco smoke from cigars and cigarettes also releases well-known carcinogens such as vinyl chlorine, benzene, arsenic, hydrocarbons, and nitrosamines. Cigars, because of their size, usually release more environmental tobacco smoke than cigarettes. Being around cigar smoke, then, can pose more of a health threat than inhaling secondhand smoke from a lit cigarette.

Even though both cigars and cigarettes release similarly toxic environmental tobacco smoke, there are some key differences between the two. These differences are related to the very different ways that cigars and cigarettes are manufactured. The production of cigars consists of a long process of fermentation and aging. During the production and fermentation process, large amounts of carcinogens are produced. Once a cigar has been fermented and aged, they are wrapped in a nonporous wrapper that keeps the cigar from burning too quickly. The fermentation process and nonporous wrapper both contribute to the high concentrations of carcinogens in the smoke of al it cigar. When a cigar is lit, the carcinogenic compounds produced during the fermentation process are released. The nonporous wrapper also contributes to an unclean burn that is high in carcinogens.

Another reason why cigars produce greater amounts of carcinogens is in their girth and length. Cigars are simply bigger than cigarettes. Their size allows them to release much more smoke, and in turn, much higher concentrations of toxins and irritants. Also, cigars are designed to be smoked much more slowly than regular cigarettes, and cigar smokers are encouraged to take their time and enjoy the relaxing experience. This results in longer smoke times, and obviously, the creation of much more smoke. It is advised for all non-smokers to avoid areas where cigars are being smoked. If you smoke cigars, make sure to do so in a well-ventilated area.

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