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It may seem odd to latch onto a Southern tradition when you’re born and bred in New York City. But once I discovered a few years ago why Southerners eat hopping john on New Year’s Day - a few bites and you’ll have a lucky year - I’ve been hosting a hopping (or hoppin’, as it is often spelled) john party ever since. Who doesn’t want good luck, especially nowadays?Southerners aren’t the only ones who mark New Year’s with food rituals that hope for good things ahead - in Italy, lentils are eaten to bring prosperity; in Spain and Malta, people eat 12 grapes, one for each month; a sour grape means you’ll have a bad month so you can plan - or at least resign yourself.

There isn’t a holiday that doesn’t have some sort of food tradition, and many of us continue the traditions handed down by our family.

A few weeks ago, the IJ asked readers to send in some of their holiday food traditions. Here’s what they shared:

Maya Manny, San Rafael

Growing up in the Netherlands, foods were very seasonal (no strawberries in November!) and at this time of the year we would be focusing on the all-important arrival of Saint Nicholas or Sinterklaas. This used to be celebrated with witty clever poems, small, fun gifts and certain traditional foods for St. Nicholas Eve, Dec. 5. and St. Nicholas Day, Dec. 6. Even though we still were rationed on sugar in the fall of 1948, three years after the war had ended, somehow the necessary ingredients for some of the traditional food items appeared. This one is named banketletter.This is a quick and easy recipe and can be shaped into two long sticks or into eight letters, so you can give everyone their initial to eat. You also may find a chocolate initial in your shoe if you put it near the chimney and sing an appropriate song.

At Christmas time, I make the dough into circles and tie a red ribbon and green sprig on them.

For outer dough

2 cups flour (I use unbleached, unsifted)

1/2 teaspoon salt

1 cup unsalted butter (2 sticks)

Mix quickly in Cuisinart or cut in by hand until crumbly. Add 1/3 cup ice water and spin, then gather it by hand into a sticky ball and chill at least 30 minutes.

For the filling:

7 ounces almond paste

1 egg

3 tablespoon sugar Ê Ê

In Cuisinart (or by hand) mix the filling and chill. Can be done the night before. Ê

Halve the dough, put rest back in fridge. Roll out between wax paper sheets or on silpat liner or on a lightly floured surface until a bit less than 1/4-inch thick.

Cut into 2 strips to make two wreaths or letters.

Layer the filling into a narrow strip, fold, moisten the edge, seal with a fork, turn upside down, connect the ends so the filling will not leak out.

Mix 1 egg yolk with 1 tablespoon water and brush all over the pastries. Bake in 350-degree oven for 30 minutes till golden brown. Slice in 1-inch pieces.

Note: It is a good keeper. Freezes beautifully; reheat for 7 minutes in a hot oven.

Shirley Graves, Novato

My mother was a great cook - every meal was a work of art and nutrition! But the Christmas treat that I remember most was only “arranged” by Mother. We lived in a lovely 54-unit apartment building in Joliet, Ill., until I was 12 years old. A lady from Denmark, Mrs. Farb, lived upstairs. At Christmas she baked traditional Danish cookies for many neighbors. They were small, sweet and either dark red or dark green. I have never seen anything like them.Mrs. Farb did not ask for money from the neighbors she baked for, just that they provide the sugar and butter for their batch of cookies. The problem was, this was the 1940s, our country was at war, and many things were rationed, such as the sugar and butter that made up most of the cookies. Everyone had a government-issued book of ration coupons to use to purchase certain items. Our cookie-eating neighbors and my mother chose to use some of their coupons on a Christmas treat!

Lori Smith, San Rafael

For the past 15 or so years, I have prepared apple baked yams for family and friends on Thanksgiving Day. My two college-aged daughters, Jenn, age 20, and Heather, age 23, absolutely love this Thanksgiving treasure! When serving these yams over the holidays, I hear many comments such as: “This taste just like apple pie,” “These are the best yams I’ve ever tasted,” etc.Jenn, a junior at UC Santa Barbara, is studying abroad in Grenoble, France, this year, and wasn’t home for the Thanksgiving holiday. She recently called me long distance to request that I prepare a Thanksgiving dinner at Christmas time, and include her favorite apple baked yams on the menu. Without hesitation, I let her know that her wish was my command.

I can’t wait to have both daughters home at Christmas break, and to prepare this dish for my wonderful family. With pleasure, I share this recipe that has been enjoyed by family and friends over the years.

Lori’s apple baked yams

This recipe makes 5 to 6 generous servings. I usually double the recipe.

5-6 medium yams (pierce the skin before cooking, peel after cooking and when cool to touch)

1/2 cup low-fat milk

1/3 cup butter

3/4 cup raisins

3 Macintosh or Empire apples, peeled and sliced

1/4 cup granulated sugar

Cinnamon to taste

Cook the yams in preheated 400-degree oven for approximately 40 minutes, or in a microwave oven on high for 15 minutes, or until tender. Mash yams with milk, 2 tablespoons butter and raisins. Place a layer of yams in a greased 3-quart casserole dish. Add a layer of sliced apples, and sprinkle lightly with sugar and cinnamon. Dot with butter. Repeat layering of yams, apples, sugar, cinnamon, dot with butter, and finish with a layer of yams. Dot surface with butter. Bake in a preheated 350-degree oven for approximately 1 hour.

Read this full article - Cooking up tradition during the holidays

This gratin is an easy vegetarian main dish to make and resembles a quiche, but without the crust.

This series offers recipes with an eye towards empowering you to cook healthy meals every day. Produce, seasonal and locally grown when possible, and a well-stocked pantry are the linchpins of a good diet, and accordingly, each week’s recipes will revolve around a particular type of produce or a pantry item. This is food that is vibrant and light, full of nutrients but by no means ascetic, fun to cook and a pleasure to eat.
See previous recipes »

1 1/2 pounds winter squash of your choice

2 tablespoons extra virgin olive oil

1 medium onion, chopped

2 garlic cloves, minced

2 tablespoons minced fresh parsley

1 teaspoon minced fresh sage

3 eggs

1/2 cup low-fat milk

2 ounces Gruyère cheese, grated (1/2 cup)

Salt and freshly ground pepper to taste

1 ounce Parmesan cheese, grated (1/4 cup)

1. Preheat the oven to 425ºF. Cover a baking sheet with foil and brush lightly with olive oil. Cut the squash in half, scoop out the seeds and stringy membranes, brush the cut sides with olive oil and lay cut side down on the foil-covered baking sheet. Bake 40 minutes, or until soft enough to pierce easily with a knife. Remove from the heat and allow to cool, then peel and either mash with a fork, puree in a food processor fitted with the steel blade, or finely dice. You should have about 2 cups of pureed or finely diced squash.

2. Turn the oven down to 375ºF and oil a 2-quart gratin or baking dish with olive oil. Heat the remaining oil over medium heat in a medium heavy skillet and add the onion. Cook, stirring, until tender, about 5 minutes. Add the garlic and cook, stirring, until fragrant, 30 seconds to a minute. Stir in the parsley and sage, and squash, and remove from the heat. Season to taste with salt and pepper.

4. Beat the eggs in a large bowl and whisk in the milk. Add 1/2 teaspoon salt and freshly ground pepper to taste. Stir in the squash mixture and the Gruyère. Taste and adjust seasonings. Scrape into the prepared baking dish and sprinkle the Parmesan over the top.

5. Bake 30 to 40 minutes, until lightly browned on the top and sizzling. Serve hot, warm, or room temperature.

Yield: Serves 4 to 6

Read full recipe - Recipes for Health - Winter Squash Gratin

Treatments can vary widely, from medication to surgery or herbs
By CINDY GEORGE Copyright 2008 Houston Chronicle

Constant shooting, stinging, throbbing and other painful head-pounding could ruin — or rule — your life.

Up to 35 million Americans suffer migraine and other forms of headache, according to the American Academy of Neurology.

• FOUR TYPES OF HEADACHES: The main types of headaches are tension, migraine, cluster and hormone.
Tension headaches, the most common, cause a band-like sensation or other pressure around the head. Most migraine headaches occur on one side of the head. Described as the most intense, cluster headaches attack in groups. Hormone headaches are associated with women’s menstrual cycles.

• OTHER TYPES OF HEADACHES: You might also experience over-medication rebound headaches, sinus headaches and those caused by brain abnormalities, including tumors.
• TRIGGERS: Stress, certain foods and sleeping patterns can trigger headaches.
“Eating meals regularly, staying well-hydrated and trying to minimize stress in life, sleeping well and getting exercise really do make a difference,” said Dr. Pamela Blake, a Houston neurologist at Memorial Hermann Northwest.

Changing weather that causes barometric pressure to spike or dip could be the culprit.

“When the fronts are coming in, primarily in the spring and fall, that will trigger headaches in the front of the head or face,”said Dr. Howard S. Derman, a neurologist at The Methodist Hospital. “People sometimes think those are sinus headaches because of spring flowers, but they’re really not.”

The same concept applies to people plagued with head pain while flying, hiking or mountain-climbing.

Read full article: So many ways to treat so many types of headache

Q. How is a migraine treated?

A. Migraines can be treated at two different times: once the person develops a migraine or before they develop one. Both treatments are done with medications that relieve the symptoms, though outcomes are usually better when the migraine is treated as early as possible.

Some women can get severe migraines around their time of menstruation. These types of migraines can be helped with the use of hormones or birth control pills.

Q. When should I get medical help for migraines?

A. You can take over-the-counter, pain-relieving drugs once you experience the first signs or symptoms of a migraine. However, if you are taking over-the-counter medications for them more than eight times a month you should look into seeing your doctor about a prescription treatment. These medications are preventive in nature, sometimes taken daily, and serve to reduce the frequency and severity of the person’s migraines. Your doctor may also discuss medications to take at the first sign of a migraine. These medicines help eliminate the migraine or make the symptoms much more tolerable.

Q. What about alternative medicines or home remedies?

A. Any activity you find relaxing might lessen the effects of a migraine, such as taking a hot bath or sitting quietly in a darkened room. If you are experiencing chronic headache pain, some alternative remedies like massage or even acupuncture might provide relief. Ideally, you should consult a physician before beginning any alternative medicines.

Read full article - Ask the Expert: Treat migraines at first warning signs

The Medifast brand has been around for a number of decades, and at one time was only available via physicians. Nowadays the products can be ordered on-line and through a number of distributors.

Medifast offer a stable of meal replacement products - all generally formulated to be low-calorie and low-fat, and containing the optimum levels of vitamins. The formula will generally take users into a mild state of ketosis.

The most popular plan is called 5 and 1. This plan (800-1000 calories daily) comprises 5 meal replacements and one “real” meal containing a lean protein and vegetables and salad. Medifast claim a weight loss of 2-5 pounds per week on this plan.

Proof?

What many people don’t realize is that very few commercial weight loss programs have ever undergone any clinical studies. Medifast heavily promote the fact that a Johns Hopkins university study has shown that Medifast results in significant weight loss (67 pound average loss in males and 57 pound average loss in females). It’s worth pointing out that this study looked at patients who attended Medifast clinics.

There is also an additional study that compared the Medifast program with diabetes medication. The study found Medifast more effective at controlling type 2 diabetes than an ADA-recommended program (see PR).

Both studies were led by Associate Professor Lawrence Cheskin of Johns Hopkins Bloomberg School of Public Health and were funded by Medifast .

Successes

Due to the popularity of the program, Medifast have a number of “success stories” - one of which is Nnedi Uzowihe-Igwe of Maryland, USA (currently featured on the Medifast site). She also appeared in People magazine in January 2006 describing a massive transformation that resulted in a 160lb weight loss between June 2004 and April 2005. Nnedi subsequently became pregnant and gave birth to her second daughter)

I was able to find out how Nnedi was going now, and she appears to have maintained her massive initial weight loss (and is aiming to lose the weight she put on with the second baby by the end of this year).

Drastic

Protein fasts and low-calorie meal replacements are a drastic solution, and in my opinion appropriate for drastic situations. Given the choice between gastric bypass surgery or Medifast , then Medifast must surely be a better answer.

The biggest test of a program such as Medifast is the long-term consequences - and in particular weaning off a program based around shakes and soups. The transition phase should be four to six weeks, and often starts off by introducing some oatmeal at breakfast, and some fruit for snacks. Also exercise must become a part of life (5 days a week). Exercise must be fairly low-key during the restrictive part of Medifast - but once transitioning - it becomes increasingly important.

Due to the level of energy intake and exercise levels - it is likely that some muscle loss will occur during the weight loss phase. Once again, the best course of action would be to gradually include strength training during the transition phase - and begin to build up muscle tone.

Costs

The Medifast 5 and 1 plan cost $275 for 4 weeks. However - that’s the cost of the “5? - you will still need to buy your daily “lean and green” meal (lean protein plus salad/vegetables).

Men & Women

Different formulations are used for men and women. Some shakes are called Medifast 55 or Medifast 70. The latter has a higher soy protein content and is more suitable for men (or women who prefer higher protein).

Behaviour Change Required

Read full story: Medifast Diet - This diet’s longevity speaks volumes

By: Kathy Hester (View Profile)

Earlier this year I got myself a dwarf Meyer lemon tree. I have wanted one for a few years. It was only two feet tall, but already covered in green baby lemons. Now, six months later, I have about eight juicy yellow Meyer lemons to cook with.

It looked beautiful on my deck, and the white flowers were very fragrant. Unfortunately, I had to cut off the branch that was blooming to get rid of an unidentified icky pest that was trying attack it. I’m not sure if I’ll be harvesting much next year, so I want to make the best of what I have now.

In a warm climate, you could plant it outside, but I’m keeping mine in a pot. This way I can enjoy the green foliage inside during the winter and bring it outside for the summer.

If you haven’t used Meyer lemons before, you are in for a treat. They are sweeter, more of a cross between a mandarin orange and a lemon. Also the skin is much thinner. In fact, so thin that when I hit it on the counter to get it ready to juice, it busted open and went all over me and the floor. Let that be a lesson you don’t have to learn first hand!

Read full recipe: Vegan Caesar Salad Dressing with Meyer Lemon

As the recession devastates the banking, brokerage, retail and automobile industries, landlords and commercial real estate brokers in lower Fairfield County ponder when and if the office market will be the next victim.

The region could be vulnerable because financial service companies rent much of the office space in Greenwich and Stamford. Greenwich has been called the nation’s unofficial hedge fund capital.

“We are still in a very good market. However, a lot of our clients are financial services companies,” said Jim Fagan, senior managing director of the Westchester County, N.Y., and Connecticut operations of New York City-based Cushman & Wakefield Inc. commercial real estate. “They include everything from hedge funds to reinsurance companies to investment banks, not to mention advertising agencies and other professional services companies.”

Those former mainstays in the office market will be shrinking, he said.

“As tenants try to lower their fixed costs, they are slimming down their commercial real estate exposure, where it is practical and pragmatic,” Fagan said. “The market is going through an adjustment. While it was white hot in July of 2007. It certainly is less than that now.”

John Hannigan, principal of Choyce Peterson commercial real estate in Stamford, said, “The quantity of tenants looking to grow has decreased precipitously.”

Reported office vacancies are not really bad - yet.

In the third quarter, 17 percent of the 14.5 million square feet of office space in Stamford was available for lease or sublease, up slightly from 16.4 percent at the same time last year, according to an average taken from five real estate firms. Available space are locations that are empty or slated to become vacant soon.

The numbers do not include large, single-occupant buildings such as the main UBS AG investment bank and trading floor in downtown Stamford.

But vacancy reports might not tell the whole story, said Jeff Gage, executive managing director at the Stamford office of Chicago-based Jones Lang LaSalle commercial real estate. Some companies have space they are not using but will not admit it unless a broker approached them about subleasing, Gage said.

Sublease space, that which is leased but currently unused, is rising in Fairfield County, he said.

“We are going to see vacancy rates going up to 25 percent or higher (countywide),” Gage said. “My guess is that 40 percent of that will be sublease space.”

The big subleases include 112,000 square feet that UBS put on the market at 201 Tresser Blvd. in Stamford at Purdue Pharma’s headquarters. Others in the city are 50,000 square feet from Legg Mason at First Stamford Place and 120,000 square feet at 290 Harbor Drive.

Greenwich has smaller office vacancies, but its 4.8 million square feet of office space depends largely on financial services, hedge funds and private equity firms. About 9.3 percent of the town’s office space was available in the third quarter, which was unchanged from the same time last year.

“Greenwich and Stamford are not immune from the downsizing and reorganization from a new model of doing business,” said John Goodkind, managing principal at the Greenwich office of New York City-based Newmark Knight Frank commercial real estate. “The days of abundance are gone.”

“Large users are unlikely to make decisions on space unless they have to,” he said, referring to lease expirations.

On the positive side, Goodkind said many people who had worked for hedge funds, financial institutions and banks will be looking for office space in which to start their own companies.

“We have already seen significant numbers of new companies looking for smaller spaces,” he said. “That will be the mode for the next 12 to 18 months.”

But Gerald Celente, a trends forecaster known for gloomy predictions, said the downturn in the retail sector will affect office space because fewer customers will exist for service firms such as ad agencies.

“In 2009, the focus will broaden to include a range of calamities that will leave no sector unscathed,” Celente said in a report issued by his Rhinebeck, N.Y.-based Trends Research Institute. “Next in line is retail, which accounts for some 70 percent of consumer spending, 26 percent of which is holiday sales.”

“Add to the (retail) empties the commercial space vacated by defunct financial firms and an array of troubled businesses from restaurants to architectural firms, to high-tech operations, to offset printers, etc.,” the report said. “The inescapable result (that we predicted over a year ago and is only now being discussed in the business media) is a commercial real estate bust that will be costlier, wreak greater havoc and prove more intractable than the residential market decline.”

Local landords, by contrast, are more optimistic.

“We have been here before (in a recession), and we will get through it,” said Jo Ann McGrath, director of leasing for the Merritt 7 Corporate Park in Norwalk. “We just have to stay positive.”

She said the 1.4 million square feet of office space in Merritt 7’s six buildings is 95 percent occupied.

A 51,000 square feet sublease might occur in the complex’s 301 Merritt 7 building. Applied Biosystems is moving out of 301 Merritt 7 in July because it merged with Invitrogen Corp.

Applied Biosystems’s lease expires in 2011, and it has an option to sublet the space, McGrath said.

Margaret Carlson, director of leasing for New York City-based RFR Realty’s seven office buildings in downtown Stamford, said the market is slowing, but not to a crisis stage.

“We are still continuing to sign deals, and we are starting to see concessions for tenants creep in,” Carlson said. “Velocity is slowing down, but we remain optimistic. There are a lot of deals out in the marketplace, and we do not have a lot of sublease space in our portfolio.”

RFR’s Stamford buildings are 90 percent leased, she said.

Another landlord representative, Jeff Newman of W&M Properties, said the recession offers a chance to recruit new tenants. W&M manages First Stamford Place and Metro Center office complexes in Stamford and the MerrittView office building in Norwalk.

“We are well-positioned to ride out a down market,” Newman said. “We always have more than enough cash flow to cover debt service and operating needs.”

Gage of Jones Lang LaSalle predicted rents will drop 20 percent to 30 percent during the recession, which offers local companies a chance to move into better buildings.

In March, Stamford-based Choyce Peterson began telling its clients to pursue renovation subsidies and lower rent from landlords.

The average asking rent for Class A office space in downtown Stamford is $48 per square foot per year, according to Cushman & Wakefield.

“We have been out there ahead of this (recession) news and have been meeting with many area companies to help them navigate these tough economic times, with regard to their office space,” said Hannigan of Choyce Peterson.

“The smart landlord are the ones who will lead the market in (lower) pricing,” Gage said. “If you follow the market, you are already too late.”

- Staff Writer Peter Healy can be reached at peter.healy@scni.com or at 964-227
Read article source - http://web-best.info/2008/12/for-rent-is-office-space-the-final-frontier-in-financial-crisis/

Source: For rent: Is office space the final frontier in financial crisis?

By Chris Edison

Getting a refinance on your mortgage is common practice nowadays due to the drop in interest rates and the receptiveness of borrowers toward the idea of refinancing. Although many have vouched for its benefits, house owners should evaluate their personal preferences, financial standing, and current mortgage status and compare these with the various options available before planning their next move.

There are many facts surrounding the concept of refinancing and this article will provide you with an insight of important aspects which you need to know in order to make an informed decision. Refinancing your mortgage is for the long-term and thus needs to be a choice that is thoroughly considered.

1. Penalty Costs
The process of refinancing basically means paying off your current mortgage and obtaining another mortgage at a different interest rate (usually at an adjustable rate) and loan term. This causes penalty costs to be imposed on your current mortgage by your current lender, as you have opted to pay off your loan earlier than agreed upon. Occasionally, depending on the status of your current loan, penalties incurred may be higher than the cost savings obtained from refinancing your mortgage, therefore making the idea of refinancing no longer attractive.

2. Savings on monthly repayments
When you refinance your mortgage, you may most likely switch to a new mortgage structure that will benefit you in the long run, especially with lower monthly repayments. With the availability of Adjustable Rate Mortgages, interests incurred are relatively lower than the traditional Fixed Rate Mortgages, which has been incentive enough for home owners to switch their mortgage loan plans. However, although interest rates may seem to be lower at first glance, home buyers should practice due diligence in tabulating the actual amounts paid over the long term in comparison with their current mortgage repayments.

3. Transactions costs
As with any mortgage transactions, a refinancing exercise will involve transaction costs such as attorney fees, points, appraisal fees, inspection fees and prepayment penalties. All these hike up the cost of refinancing, which need to be balanced out with the cost savings obtained from switching loans in the first place. As a rule of thumb, if you plan to stay in your current property for the long-term, transaction costs will be offset with savings in repayment amounts over the long-run. Therefore, refinancing will then be a good option for you.

4. Tax deduction possible
Refinancing may help you regain tax deductions on interest if you have already used up your allocated amount for tax deductions. Therefore, with a new mortgage, you will be able to deduct interests paid from your taxable income, thus helping to reduce your taxes payable.

5. Get cash out of your equity
Read this full story: 7 Facts on Mortgage Refinancing

By Thomas Lindstrøm

A credit card is a form of borrowing that often involves charges. Credit terms and conditions affect your overall cost.
So it’s wise to compare terms and fees before you agree to open a credit or charge card account. The following are some important terms to consider that generally must be disclosed in credit card applications or in solicitations that require no application. You also may want to ask about these terms when you’re shopping for a card.

If you don’t understand the language, credit card offers and statements could lead you to deep debt — or at least furious frustration. For the big scoop on the fine print, here’s what these frequently used credit card terms mean.

1.Average daily balance — This is the method by which most credit cards calculate your payment due. An average daily balance is determined by adding each day’s balance and then dividing that total by the number of days in a billing cycle. The average daily balance is then multiplied by a card’s monthly periodic rate, which is calculated by dividing the annual percentage rate by 12. A card with an annual rate of 18 percent would have a monthly periodic rate of 1.5 percent. If that card had a $500 average daily balance it would yield a monthly finance charge of $7.50.

2.APR(Annual percentage rate) — A yearly rate of interest that includes fees and costs paid to acquire the loan. Lenders are required by law to disclose the APR. The rate is calculated in a standard way, taking the average compound interest rate over the term of the loan, so borrowers can compare loans.

3.Balance transfer — The process of moving an unpaid credit card debt from one issuer to another. Card issuers sometimes offer teaser rates to encourage balance transfers coming in and balance-transfer fees to discourage them from going out.

4.Cash-advance fee — A charge by the bank for using credit cards to obtain cash. This fee can be stated in terms of a flat per-transaction fee or a percentage of the amount of the cash advance. For example, the fee may be expressed as follows: “2%/$10?. This means that the cash advance fee will be the greater of 2 percent of the cash advance amount or $10.

The banks may limit the amount that can be charged to a specific dollar amount. Depending on the bank issuing the card, the cash advance fee may be deducted directly from the cash advance at the time the money is received or it may be posted to your bill as of the day you received the advance. The cost of a cash advance is also higher because there generally is no grace period. Interest accrues from the moment the money is withdrawn.

5.Card holder agreement — The written statement that gives the terms and conditions of a credit card account. The cardholder agreement is required by Federal Reserve regulations. It must include the Annual Percentage Rate, the monthly minimum payment formula, annual fee if applicable, and the cardholder’s rights in billing disputes. Changes in the cardholder agreement may be made, with written advance notice, at any time by the issuer. Rules for imposing changes vary from state to state, but the rules that apply are those of the home state of the issuing bank, not the home state of the cardholder.

6.Finance charge — The charge for using a credit card, comprised of interest costs and other fees.

7.Floor — The minimum rate possible on a variable-rate loan or line of credit, after any initial introductory rate period. For example, on a credit card with the Prime rate as its index, no matter how low the Prime rate drops, the rate on the line may never decrease below the stated rate floor.

8.Free Period — Also called a “grace period,” a free period lets you avoid finance charges by paying your balance in full before the due date. Knowing whether a card gives you a free period is especially important if you plan to pay your account in full each month. Without a free period, the card issuer may impose a finance charge from the date you use your card or from the date each transaction is posted to your account. If your card includes a free period, the issuer must mail your bill at least 14 days before the due date so you’ll have enough time to pay.

9.Minimum payment — The minimum amount a cardholder can pay to keep the account from going into default. Some card issuers will set a high minimum if they are uncertain of the cardholder’s ability to pay. Most card issuers require a minimum payment of two percent of the outstanding balance.

10.Over-the-limit fee — A fee charged for exceeding the credit limit on the card.

Source article: 15 important credit card terms to consider before buying a credit card!!

Midsize sedans are no longer blandly styled, boring boxes for driving to work. Today we are seeing emotionally provocative and exciting designs on the common, everyday four-door sedan.

The Chevy Malibu didn’t become the 2008 North American Car of the Year by accident. Interior comfort and fine handling led by a compelling exterior design caught the attention of critics. So who should lead the pack of contenders for the title 2009 Car of the Year? I’d be willing to put money on the 2009 Mazda6.

The emotional design cues that are so essential to attracting buyers to toy cars, such as roadsters and convertibles, are finding their way to the meat-and-potatoes of the car market, the conservative five-passenger everyday driver - the midsize sedan.

With a starting price of $18,550, the glamorous Mazda6 looks like it’s worth twice that amount. There’s a silky sheen that floats over the velvet sheet metal. The Mazda team says the all-new Mazda6 is infused with Japanese values. The exterior glow, as on my dark blue tester, does reflect a harmony with nature, which is so intrinsic to the Japanese culture. The instrumentation gauges were brilliant in reds, purples, blues, whites and blacks without being blinding.

The Mazda6 has a low, flat, planted stance. And if you can imagine delicate ivory inlays in wood and furniture then you will understand the attention to craftsmanship designers say they applied to the details of the new Mazda6.

If you were going to consider the Mazda6, then you would want to test-drive both engine options offered on the 2009 sedan. Available in four trims (SV, Sport, Touring and Grand Touring), the base model is standard with the 2.5-liter, 170-horsepower four-cylinder engine coupled to a six-speed manual transmission.

The top-of-the-line model I drove was equipped with the 3.7-liter V6 mated to a six-speed automatic transmission. This powerful engine developed 272 horsepower at 6250 rpm and 269 pound-feet of torque at 4250 rpm. The EPA figures are estimated at 17 miles per gallon city, 25 mpg highway. The vehicle’s as-tested price was more consistent with its pricey looks at $32,790.

All 2009 Mazda6 sedans come standard with dynamic stability control, side curtain air bags, front seat-mounted side-impact air bags, antilock brakes, air conditioning, plus power windows, mirrors and door locks.

Full story:Mazda6 is all-new for 2009 and on target for “Car of the Year”