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Financial Services Roundtable launches campaign against 'one-sided' website.
One of the Consumer Financial Protection Bureau's prized accomplishments, a real-time website posting consumer complaints and company responses, has prompted a different form of complaint.
The Financial Services Roundtable, an industry group led by former Minnesota Republican Gov. Tim Pawlenty, on Monday unveiled a multi-media campaign accusing the three-year-old bureau of spreading inaccurate information to consumers. "Government websites should be reserved for facts," said a statement from the group.
"The CFPB's plan will feature only one side of the story, and such one-sided accounts will not advance the CFPB's mission of better informing and helping consumers," said Pawlenty, warning that the interactive site "may misinform consumers by posting unverified, anonymous and potentially inaccurate complaints about financial services companies on a government website."
The bureau's website at Consumerfinance.gov since June 2012 has allowed users to click on a "submit a complaint" function to single out companies dealing with mortgages, bank accounts and services, private student loans, vehicle and other consumer loans, credit reporting, money transfers, debt collection and payday loans.
The agency's report for fiscal 2013 noted that the agency handled some 309,700 complaints from July 21, 2011, through February 28, 2014, and that the volume rose 80 percent from 2012 to 2013.
"The database is live, updates nightly, and contains anonymized complaint data provided by consumers in the complaint process, including the type of complaint, the date of submission, the consumer's ZIP code, and the company that the complaint concerns," the annual report said. "The database also includes information about the actions taken by a company in response to a complaint -- whether the company's response was timely, how the company responded, and whether the consumer disputed the company's response. The database does not include consumers' identity information."
The industry group, which has long been skeptical of the CFPB, said that under the evolving policy, companies get little opportunity to respond to complaints that may be inaccurate (they get 15 days), and that some 70 percent of the complaints were resolved with a simple clarification to the customer. "The CFPB has fast-tracked the start date of this project, leaving many important questions, such as how the CFPB plans to protect the identities of individuals who post on the website from Freedom of Information Act and other public records requests," the roundtable said. "Many other key details, such as how the CFPB will verify that the customers are who they say they are, and a range of other questions about how the system will work still haven't been disclosed."
In a Monday statement to Government Executive, bureau spokesman Samuel Gilford said, "Before the CFPB began accepting complaints, many consumers had nowhere to turn to receive a timely response from their financial services provider. For many consumers, an explanation from their lender or service provider offers helpful insight or clarity. Under the proposed policy, the CFPB would only publish a consumer's complaint narrative if the consumer provided their informed consent to do so, which they could withdraw at any time. Companies would be able to publish their own response, which would appear next to the consumer's complaint narrative. The CFPB would take all reasonable steps to remove personal information from both the complaint narrative and the company's response."
The bureau challenged the roundtable's criticism that it rushed, saying it had extended the public comment period on the website's policy by 30 days. And on the industry assertion that 70 percent of complaints are routinely dispensed with, the bureau suggested it depends on the quality of the explanation. More than 70 percent "of mortgage complaints have been 'closed with explanation,' which is a company's indication that the steps taken in response to the complaint included an explanation tailored to the individual consumer's complaint," the spokesman said via email. "For example, in the case of a mortgage complaint where a consumer is dissatisfied with a loss mitigation process, a thoughtful company response that explains the process and outlines next steps based on the consumer's particular situation should be categorized by the company as 'closed with explanation.' "
(Image via Flickr user Adam Fagen)


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Techno thrills and gunplay, spelled out in great detail
Neal Stephenson's "Reamde'' opens with a target practice session at the Forthrast clan's annual Thanksgiving gathering. Various firearms - shotguns, Glocks, assault rifles - are discharged into an Iowa pasture. Fun for the whole family.
The spasm of gunfire is prophetic. By the time Stephenson's world-girdling novel has reached its exhaustive conclusion, countless rounds have been fired. As Stephenson notes in his acknowledgments, he required the services of a "ballistics copy editor'' to fact-check the inner-workings of every Kalashnikov and bolt-action .22.
Stephenson is already notorious for churning out tomes sprawling in both page count and plot. But fans of his genre-blending touch that often welds historical to science fiction with a bead of cyberpunk might find themselves displeased with the ride of this narrative machine. Whereas "Snow Crash'' and "Cryptonomicon'' commingled code breaking, memetics, and nanotechnology with Sumerian myth, Greek philosophy, and economic theory, "Reamde,'' set on present day planet Earth, barely traffics in such esoterica. Here, you'll mostly find a techno-martial thriller, much in the same vein as Tom Clancy, albeit expertly crafted and often gorgeously written.
Richard is the dispassionate, outcast middle-aged brother of the Forthrast family who founded T'Rain, a World of Warcraft-like online fantasy game whose millions of devotees role-play mages and dwarves and build networks of vassals. Richard's niece Zula, an Eritrean refugee and geoscientist, helps manage the virtual mineral deposits that players must "gold mine'' to generate wealth. The MacGuffin? Zula's cash-strapped, dimwit boyfriend bungles the black-market sale of stolen credit card data, which becomes corrupted by a virus called REAMDE, an anagram for "read me'' - the file nobody reads when installing software. To restore the infected files, victims must deliver virtual ransoms to a "troll'' (hacker), in the game. Meanwhile, bandits rob and kill these gold-ferrying avatars. Chaos rains down upon T'Rain.
When it's determined the REAMDE hacker lives in China, the client for the data is none too pleased. That sets into motion Stephenson's scenario tangling the fates of manifold characters: Russian mobsters, a Chinese tour guide, a British MI6 agent, a Hungarian techie, Islamic jihadists, and two Tolkienesque storytellers, among others. The action intercuts among these players who hop, skip, and jump vehicles, jets, and boats from the Pacific Northwest to China to the Rocky Mountains. Kidnappings trigger escape attempts. Plotlines collide. Bodies pile up.
This frenetic scope is tempered by Stephenson's lingering pace. He tunes into the precise frequency of each character, how they process and remember stimuli, be they terrorist or innocent.
In one typical passage, Zula ruminates on the trauma of her capture, "shocked by how little effect it had on her, at least in the short term. She developed three hypotheses: 1. The lack of oxygen that had caused her to pass out almost immediately after she'd killed Khalid had interfered with the formation of short-term memories or whatever it was that caused people to develop posttraumatic stress disorder.'' That's just hypothesis number one.
Stephenson - a minimalist, he's not - takes us deep in these warrens of thought, cause, and effect. (He resorts to awkward "exposition as dialogue'' info dumps, too.) Moments are narrated with painstaking precision. The events of "Day 4'' - a pitched battle among spies, mafia, extremists, and trolls, told from a kaleidoscope of perspectives - requires 200 pages. Tree huggers will revel in these tactics and processes; others will find the obsessive detail tedious.
Call "Reamde'' baroque, or call it bloated. You decide.
The meat of the novel comes before the real-world gun-blazing begins: sly jabs at the war on terror, consumer culture, our online demeanor and misdemeanors, and insights into the shifts in consciousness that social and technological change have wrought. "[Y]ou kids nowadays substitute communicating for thinking, don't you?'', a Scotsman involved in the identity theft scheme complains. Walmart is likened to "a starship that had landed in the soybean fields,'' and "an interdimensional portal to every other Walmart in the known universe.''
These adroit touches may be enough to sustain readers caught in the crossfire. That said, Stephenson probably realizes that gunplay will gain the author new fans, while also losing him loyal legions of the old.
Ethan Gilsdorf, author of "Fantasy Freaks and Gaming Geeks,'' can be reached at www.ethangilsdorf.com.

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Mazda CX-5 Lease Questions
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bbrazeal Posts: 1What is good lease on the CX-5 Touring ?0
Hi bbrazeal. Mazda is currently advertising the 2012 CX-5 with a payment of $277 per month for 36 months with a $2,165 down payment. This is for a Touring FWD model. Chances are that if you are in an area that has a decent level of competition you may be able to negotiate a better deal than that.
Prices Paid: Buying & Leasing Experiences Forum0
poor_subi Posts: 1Greetings all. Let's crunch some numbers!! Finding myself with a totaled subaru, I stumbled across the CX-5. Drove it the next day and fell in love. Dealer in Manchester, CT priced a lease on an AWD Touring with auto dimming mirror for me. They used 12,000 miles / 39 months (said residual better than 36)/ cap cost was the MSRP of 26,235 (25,145 + 795 destination + 295 mirror) / residual value of 54% (14,215.50) / and money factor of .0019. for a final monthly payment of $450.13. Other numbers on the worksheet from the finance manager are: 6.35% sales tax, Accessory total of $179, Fee total of $530, Total Tax 1048.71, Amount Financed 27,629.
My question to all: Are the Cap Cost, Residual Value and Money Factor reasonable? I would expect to get something less than the MSRP, even on something so new and hot. I absolutely qualify for their best interest rate. Is .0019 the best they can offer (dealer printout says "Chase Lease" on it)? And I have no clue on the residual value. And what about them telling me I should do 39 months because the residual is better than 36. Help!!!!
Curiously though, the salesman handed me a quote of $444.60 before I asked the finance manager for the supporting #s. Manager said he was just giving me a break. Obviously he didn't pull that number out of thin air, but the printout we went through together has all of the above #s and a 450.33 payment. I don't know what's going on with this.
Lastly, mazdausaoffers.com has the following lease offer for the Hartford CT region through April 3. Is this any good? If so, can my dealer apply this deal to the care I want?:
$239/Month, 36-Month Lease, $2,999 due at Lease Signing. Includes 1st Month's Payment and Acquisition Fee. Excludes taxes, title and fees.
MSRP $22,095 plus $795 destination charge. Payment based on capitalized cost of $20,175. Total payments of $8,604. No security deposit required. Dealer participation required. Not all lessees will qualify for lowest payment through participating lender. Some payments higher, some lower based on residency and other factors. Lessee responsible for excess wear and mileage over 36,000 at $0.15/mile. Purchase option at lease end for $13,276 plus tax or price negotiated at signing. Take new retail delivery from dealer stock by 4/3/2012. See participating dealer for qualifications.
Thanks all.0
(imo) Don't lease, EVER!!! All that upfront money you shell out is gone if you ever get in an accident, the insurance only covers what's left on the balance, not what the car is worth.0
The residual value is so significant in the lease payment that it dwarfs the money factor and sales price + other capitalized costs. So from a market value standpoint, you want to compare it to other vehicles in the same market segment that you may like. You will be astonished when you see how much a small differential in resid affects the monthly bottom line. The CX-5 is the bomb if you are buying but if your are leasing, the 54% resid is bordering on horrible in my opinion. If the CX-5 is your favorite, compare the lease against your 2nd and 3rd choice and make sure you are sitting down. I did this myself and fortunately was sitting at the time!
As for your .0019, multiply it by 2400 to normalize this interest rate to an APR and you will get 4.56%. If the lease is 3 years, you should compare it to equivalent 3 year financing for buyers on new cars. You may then see that leasing from a finance perspective is more costly. If your FICO is worthly of something better than 4.56% which it sounds like is the case, then you decide. My credit union is offering 1.49% right now for new car 3 year loans so 4.56% sounds unfair.
It appears to me as though there is not a wide band between invoice and MSRP on the CX-5, especially with options above the base. Looks like the difference is only $600 - $900 so I would not expect us to be in a strong haggling position on sales price for something so new, hot, and possibly even hard to locate in some areas.
The 39 month residual being better is totally untrue. I think this is more of a ploy to get folks back into the showroom in the summer time of the year that your lease ends as car shopping spring fever is over by then.
Those advertised lease deals like you posted are often on low-end models or models that are not moving as quickly and almost never map to the exact car you want. They do a good job getting you there as they are typically attractively sounding lease payments.0
We looked at everything in the small/mid CUV/SUV segment with city MPG rated above 22. My wife likes to sit high but our CX-9 is simply not fuel-efficient enough for the coming threats of $5/gallon. Hence, 2 simple requirements, fuel efficient and high ride. Since I won't buy new, I am considering leasing for the first time since the most fuel-efficient cars are usually the newest. Also, I would like to get out of the viscious maintenance costs cycle. With leasing, one has a tendency to consciously lean toward fully-loaded vehicles, which we did. Narrowed in on the CR-V after 1.5 months of shopping. Then the bomb was unleashed and quickly became my number one choice. Yes, talking about the CX-5.
The most valuable lesson I learned by re-educating myself on leasing and doing lease deal comparions is that leasing actually exposes true variances in market value that are hidden when buying. The 2 lease deals below illustrate my point and show the math behind my pain and frustraton with Mazda, as they are forcing me into my 2nd choice.
The sticker price on these 2 vehicles is separated by less than $200. So for folks like us who have paired their list to Honda and Mazda, but unlike us are buying and probably financing, it is a no-brainer to just go with the one you like better, since the financing will be the same, given the similar sale prices.
The BIG PROBLEM for the CX-5 is exposed in the leasing market due to an 8% differential in residual value as compared to Honda. I looked at lease deals from a couple of Honda and Mazda dealers. The best lease factor I saw from Honda is .0016 (3.84%), while the Mazda was slightly better .00142 (3.41%). The sales prices are different in the real lease offers I show, favoring the Honda. However, you can reduce the Mazda sale price in the calculation and you will still see that the difference in residual is the dominating metric. Notice that the financing cost portion of the lease payment is lower on the Mazda by about $10, even with the higher sale price, due to the lease factor. But the depreciation portion is a whopping $91.30 in the red. This of course results in more sales tax as well. These are Pennsyvania leases which are taxed at 9%.
The CX-5 lease will cost $89.37/month more than the CR-V. If you are fortunate enough to get and equal sale price on the CX-5, the best you be able to do is get within $45.61/month of the CR-V. This was the adjusted calculation that I eluded to.
Keep in mind that it is Mazda who is saying the resale value of the CX-5 after 3 years/36k miles is 56% as you generally won't find a bank or leasing company who would invest in a more optimal residual than the manufacturer. You can argue that 56% may be a realistic number and that perhaps the Honda resid of 64% is artifically inflated. Though it doesn't matter if your plan is to turn the car over for another at the end of the lease. This low residual hurts you every month along the way. For buyers, it may not be obvious that the resale values between the 2 vehicles is so different. Even so, if Honda can inflate resids to lease more cars, why can't Mazda do the same in order to compete?
So my question to Mazda is: How can you build such an awesome car that will compete feverishly head to head against the likes of the Honda CR-V in the buyer market, yet allow the same car to be torched by Honda in the leasing market? Why not raise your resids to at least 58% to allow leasees to drive a CX-5 too? Aren't you short-changing this highly regarded newcomer? As a current Mazda owner I am shocked by these numbers and I am very frustrated that I cannot lease a CX-5 with sound mind. The better MPG and the customer loyalty free maintenance I will recieve for the lease term do not offset the $90/month difference in payment. This totally sucks.
Mazda CX-5 AWD GT w/TECH
Sale Price $29,875.00
Residual % of MSRP for 36/12k 56.00%
Residual Value $ $17,063.20
Total Capitalized Fees $0.00
Gross Capitalized Cost $29,875.00
Cap Reduction $0.00
Net Cap Cost $29,875.00
Money Factor 0.00142
MF as APR % 3.41%
Monthly Dep $355.88
Monthly Fin $66.65
Monthly Pre-Tax $422.54
Monthly Sales Tax 9% $38.03
Montly Payment $460.56
Honda CR-V AWD EXL w/Nav
Sale Price $28,500.00
Residual % of MSRP for 36/12k 62.00%
Residual Value $ $18,975.10
Total Capitalized Fees $0.00
Gross Capitalized Cost $28,500.00
Cap Reduction $0.00
Net Cap Cost $28,500.00
Money Factor 0.0016
MF as APR % 3.84%
Monthly Dep $264.58
Monthly Fin $75.96
Monthly Pre-Tax $340.54
Monthly Sales Tax 9% $30.65
Montly Payment $371.190
Actually, all good leases come with gap insurance built-in so this is not a reason one should not lease.0
Oops, typo. The resid on GT AWD w/TECH is 56% not 54% but the good news is that the calculations did not have the same error0
Cap Insurance only protects the bank captainrod, if you put down $5k you lose $5k, if you put down $2k you lose $2k, so no matter what you will never recoup any part of the $$$ you put down when you drive off the lot even if your car is totaled 1 minute after you drive away.0
gearjammer62 Posts: 108Never say never. Leasing is the perfect situation for my business, and the last lease I acquired was $0 down, $0 for all maintenance, and actually rebates me for the miles I don't use. Lots of those deals out there - maybe not on the CX-5, but they are around, if you have good credit, are not a high-mileage driver, and want to get into a new car with very little out of pocket.0
I would agree. For the self employed-Leasing with 0 down does make the most sense if you don't put on too many miles in 3 years. Having a vehicle always under warranty- driving the latest and greatest every 3 years- outweighs the purchase option considering most all vehicles lose in the neighborhood of 50% off MSRP in the same 3 years.
The only way to come out on buying new is to buy and "hold" w/ no major repairs needed (for a long time.) I bought a 1998 Camry and still driving today w/ 145,000 miles. It is ageing but running well. Nevertheless, there are always payments of some kind on an automobile. Either lease / purchase/maintenance / repair expenses to come up with on a virtual monthly basis.0
Obviously the bank needs to be protected since they own the vehicle. You have 0 equity and will always have 0 equity as they purchased the car. So you have no asset to protect but the gap insurance does protect you, the lessee, in this situation from an insurance standpoint, as it fills the exact gap that you are referring to. When you do conventional financing you also lose some of all of your down payment in the event the car is totaled. This is why I say this is not a reason to conclude one should never lease. Also the insurance company certainly won't refund the sales tax that you paid so when you go to buy a replacement vehicle you will pay the sales tax again. In my state sales tax is paid on lease payments so it is never on the entire car value but it is taxed at a premium of 50% additional sales tax. On a loan, most of your payment early on is interest so your equity builds slowly. Depending on how much you put down, you could get upside/down relatively quickly. You can never get upside down in a lease since you never have any ownership in this negative equity investment. Most lease deals don't risk much up front to lose in the first place. Often times the junk fees are capitalized and the the car is driven away with nothing down except the first month's payment. Folks that lease tend not to use large capital cost reductions as a prepaid lease is somewhat self-defeating.0
I see a lot of misinformation here regarding leases, insurance, equity etc. so I thought I might try to clean it up for you. I'm an outside property damage appraiser for a major insurance company and typically settle 3+ total losses per week and also lease all of my family vehicles. Your insurance policy is a contract between you and your insurance company, whether you own, finance or lease it makes no difference in the policy language. 99% of personal auto policies are "ACV" or actual cash value policies. What this means is that in the event of a total loss we will pay the ACV of the vehicle. How the ACV is determined varies based on state regulations however in most states its either book value or from a local market survey. Whether you lease, finance or own the car outright it has no impact on what the car will be valued at or how much we will pay to settle the claim. The earlier post that said "the insurance only covers what's left on the balance, not what the car is worth" is entirely incorrect. An ACV policy will pay only ACV regardless of what is owed on the car. This is a conversation I have with customers all the time. I'm sorry but just because you paid $10,000 last week for your sweet '02 Malibu doesn't mean that's what it's worth, the settlement will be ACV regardless of wether you owe $10K or $500. Whether you paid too little or too much has no bearing on it's value or settlement amount. Now regarding leases that is also a contract between you and the leasing company. You agree to make a certain amount of payments with an option to buy for a fixed amount at the end of the lease term. Everything should clearly be spelled out in your lease contract. Also in error in previous posts is that you never have equity in a lease, that's just plain incorrect. The leasing company want's to cover themselves when the lease is over and they send the car to auction so they always set the residual low. Establishing the residual value at lease end requires some speculation so they aren't always right but they will do their best to keep it high enough to make the lease attractive while keeping it low enough that they won't loose on the back end. I've leased over 10 cars over the last 15 years and on every car I've been able to sell it at lease end for significantly more than my buyout. I actually have two leases ending soon, one next month and the other in July. The difference between my buyout option and NADA on them both is nearly $8,000. Even pricing them $3k under NADA would net me $5k each. I'd be foolish to turn them in at lease end a walk away leaving that much equity on the table. You can guarantee the dealer that I turn them in at would buy them and have them on the lot within a week. So in the event either one were to total my insurance would determine the ACV, call my leasing company to find out my payoff which is my lease end value, plus any remaining payments, plus any fee's stipulated in the contract and pay them off (assuming it's less than the ACV) any balance would be paid to me. This is handled the same regardless of a lease or loan. Payoff the bank and any balance is paid to the customer. In the beginning of the lease when you are most likely to be upside down is when the gap insurance would step in to take over any gap between what I pay for ACV and what is owed on the car. This protects you from owing it out of pocket and protects the bank from having to try and collect it from you. And lastly you may even be reimbursed for your taxes paid depending on the laws of your state. Overall leasing is great for many reasons, yes you are loosing money every month but hey, that's the cost of driving a new car all the time. The benefits are many, the most significant being that all of the risk is being assumed by the bank in determining the residual value. At your lease end if you have equity in the car you have the option of buying/selling it and recovering your equity, if something changes in the market and your residual value now exceeds the ACV you can turn in your keys at lease end and walk away. This happened a few years ago with trucks. In 2005 trucks were king and residuals on many models exceeded 55%. Then came the crash along with high gas prices and you couldn't give trucks away. New truck pricing dropped significantly with rebates as high as $8,000 on new models. That made the acv of those at lease end much lower than the 55% they had been set at. Perfect scenario to walk away where those who purchased those same vehicles now found themselves owing more on the truck they bought two years ago than they could buy a new one for now. Obviously buying used and keeping a car is the most cost effective however if you are getting a new car leasing often makes the most sense. Lease finance rates are so agressive it hard to ignore. I'm looking at an XC60 now that's lease rare is .6% The residual on only 44% which sucks but If I wanted to buy this car, cash or finance why would I when I can lease it for .6%? Invest my money elsewhere. Then at the end of the lease I will have decent equity due to the low residual.0
I have leased cars in the past and always found the dealer's residual price at the end of the lease to be on the high side. (if I was so inclined to purchase at the end of the lease.) Since most cars lose 50% of the MSRP after 3 years-my experience was that the residual buyout price was usually 3 ~ 4000 more than the 3 year 50% "off" so called "ACV" price would be set at. In the end- the price of merchandise is whatever the customer is willing to pay-and the dealer can set any price they want. The question is--can they receive that price?0
That's the beauty of a lease, you have that option in the end. Put it up for sale a month before the lease end and see what happens. If it sells great, pocket the money and go get something else, if it doesn't sell turn it in a walk away. You don't have that luxury if you buy. If you can't sell it for what you still owe well then you still owe it. If the market value of your lease is less than you paid you can just walk away from it. Don't get me wrong, buying and leasing are both expensive, leasing just gives you a nice option to buy or walk away three years down the road. Like I said before I've got two leases that are up right now, ones on a CX-9, my dealer has called me several times on this one wondering what I'm going to do with it. Apparantly they have a list of people waiting for CX-9's to come in off from lease. My buyout is $19k and they are offering me $25k as a straight out buy. However I really like the CX-9 so I think for $19k I'll keep it. Our other car is an '09 Outback, kind of the same story here, dealer is offering $21K to buy it, they are popular around here so I'm pretty sure I could get $23k easilly, the buyout is just over $15k. On this one I think I'm going to sell it and get a CX-5. I've only had 1 lease that I didn't sell for a nice profit at lease end. It was a '97 F150 which was when the new style at the time had just come out. Ford had the residual at 70% for three years which made the payment insanely cheap. At the end the truck wasn't worth anywhere near what they had projected, I turned in my keys and got something else. I didn't even try to sell that one.0
Hi car_man,
I've ordered a 2013 CX-5 GT AWD w/ tech package, which will arrive either at the very end of May or early June. Would you mind sharing MMC/Chase residual and money factor for 24 and 36 months at 12k and 15k miles per year? Are there any incentives besides $500 owner loyalty? I turned in a 2010 Mazda3 lease at the end of April.
ken117 Posts: 249I believe a statement "don't lease, ever!!!' is overly simplistic. Leasing can be a great way to go for many people. Particularly people who enjoy driving a new vehicle.
Anyone with a decent credit score can lease virtually any vehicle with nothing down. I, for example, have leased five vehicles over the past few years and I have never put a single dollar down.
The better leases, Acura for example, have GAP insurance built into the lease. The better leases, Acura again for example, also have money built in for routine wear and tear type issues at the end of the lease. For my current Acura lease, it is $1,500.
The key to achieving a good lease is to (1) lease at a time when the manufacturer is providing support for the lease, often in the form of a low money factor, (2) lease a vehicle with a solid resale value to get a higher residual value, and (3) negotiate the selling price of the leased vehicle just as you would negotiate the selling price on a purchased vehicle.
As an illustration, I currently lease a vehicle for about $450 a month. I achieved this monthly price as described above. The finance monthly payment for that vehicle, at 1.9%, with the same discount for both the leased and purchased price is $686. Clearly a significant difference and I did make any sort of down payment. I simply signed on the dotted line and drove off.
When disposing of a leased vehicle a person can do about anything. The leased vehicle can be bought, sold, traded or (can't do this with a purchased vehicle) just given back when the lease is over.
The simple fact is, people who reject leasing outright do not fully understand the value of leasing. Leasing may not be for everyone but for some, like me, leasing is the only way to go.0
Hi Car_man,
My CX-5 arrived yesterday, and I'm picking it up tomorrow. I would be helpful to get the buy rate residual and money factor if you could please.
Looking for mf and residual for Grand Touring FWD and AWD (if they differ) 15k 36 months. Thanks in advance!!!0
Hi John. Chase's May buy rate lease money factor and residual value for a 24-month lease of a 2013 CX-5 GT AWD with Tech and 15,000 miles per year are .00212 and 63%, respectively for consumers who qualify for its top credit tier.
The numbers for an otherwise identical 36-month lease are .00123 and 54%.
If you were to lease with only 12,000 miles per year, this vehicle's residual values would be I believe 1% higher.
The $500 loyalty cash that you mentioned is the only cash incentive on this vehicle right now.
Prices Paid: Buying & Leasing Experiences Forum0
Hey tonystarks22. Chase's May buy rate lease money factor and residual value for a 36-month lease of a 2012 CX-5 Grand Touring AWD with 15,000 miles per year are .00123 and 54%, respectively for consumers who qualify for its top credit tier.
The money factor for a GT FWD model would be the same, but the residual value would be 2% lower.
Prices Paid: Buying & Leasing Experiences Forum0
Any new programs/changes to lease program for June? Are they still the same for May?0
Help me out. I am still not convinced that you have equity in your lease and still contend that you have 0 equity during the lease. Is a leased vehicle included in net worth calculations? Don't you have to own something to have equity in it? You cannot modify the leased car by contract because you don't own it.
The lease end scenario that you describe is a flip. You are buying the car from the leasing company for 1 value and selling it for a higher value. During the lease you do not own any part otherwise you could liquify. If your buyout is $10k which you give to leasing company and sell it for an ACV of $12k, you acquired (not recovered) equity at the point of the buyout and liquified it at the point of sale.0
I guess you are technically correct....but what's the point? The bottom line is at the end of the lease you have the option to buy the car for a predetermined amount which is likely less than it's ACV. If you choose to purchase the car you then would have obtained it's equity. When you look at your option to buy price and the ACV of the car, why would anybody leave that kind of cash on the table? Again technically you are right that it's not equity until you own it however in my opinion it's irrelevent since it's mine to collect if I choose.
PS - It's a busy spring for me with 3 leases ending within 60 days of each other. Doing well so far with this batch of leases. Sold my wifes XC70 to the dealer for almost $4K over the buyout. Bought our CX-9 for $6K under NADA avg trade value (I guess now that one can be can be considered equity). And put our 2009 Subarua Outback out front yesterday and within 6 hours had an offer for $22k. It's only loan value but still not bad considering the buyout is $15,200 and negotiated purchase price was only $25,200. I think that one will have the best return ever.0
aviboy97 Posts: 3,159And put our 2009 Subaru Outback out front yesterday and within 6 hours had an offer for $22k. It's only loan value but still not bad considering the buyout is $15,200 and negotiated purchase price was only $25,200. I think that one will have the best return ever.
And people call car dealers thieves. lol0
sentient Posts: 4Hi Car_man,
I cross posted by mistake in the prices paid and buying experience. Didn't see this one for some reason.
I'm looking at a CX-5 GT FWD w/Tech.
I'm curious what the residual and MF would be if I got a 36mo/15K lease or a 42mo/15K lease.
I'm in the Houston area.
Also, can you confirm for me that the Acquisition fee is $595 for Chase still? A finance manager fed me a line the other night about how "if you don't put money down, the fee is $745."
Thank you so much for your help. So far I've been rather disappointed by the quotes I've gotten from various dealers.0
You're in the right place, sentient. Chase's July buy rate lease money factor and residual value for a 36-month lease of a 2013 CX-5 GT FWD with 15,000 miles per year are .00129 and 53%, respectively.
The numbers for an otherwise identical 39-month lease are .00134 and 51%.
Chase's base acquisition fee is indeed still $595. I don't believe that the fee increases for consumers who don't make a down payment.
Good luck in your quest for a new ride and make sure to stop back and let us all know how everything turns out.
Prices Paid: Buying & Leasing Experiences Forum0
sdrider Posts: 8Curious if you knew the August lease factor on a 2013 CX-5 FWD with 12K miles per year? Thanks!0
I certainly do sdrider. Mazda's August buy rate lease money factor and residual value for a 36-month lease of a 2013 CX-5 Sport FWD with 12,000 miles per year are .00129 and 58%, respectively for consumers who qualify for its top credit tier.
Prices Paid: Buying & Leasing Experiences Forum0
alexfrnch Posts: 82Dear Car_Man,
Could you please let us know 2013 CX-5 AWD Grand Touring MF and Residual with 12K miles per year and 15K miles per year.
Thank you in advance.0
This discussion has been closed.


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Aly Barbosa, Aly's Nails, Arlington, N.J.
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Jazz up your nail photos by simply using some fall flowers.
Holly's friend documented how his nail injury healed over time.
Candice Wdowiak, Lloysminster, Saskatchewan, Canada


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As it turns out, Carolina Panthers wide receiver was having a little fun with us when he estimated his sprained knee at "71 percent" Wednesday and "57 percent" after a setback in Thursday's practice.
"I just randomly pick numbers," Smith conceded Friday, via NFL Media's Jeff Darlington.
Smith was disappointed that he couldn't cut as well as he wanted to Thursday. He was able to run just five routes in Friday's walkthrough, as trainers held him out because of the rain.
More fun with random numbers: Smith estimates that his knee is at "61 percent" entering the weekend.
Ever the showman, Smith proclaimed that there's an "89 percent" chance he will play in the heavyweight bout with the 49ers. That's the bottom line.
The Panthers officially listed Smith as questionable for Sunday, and coach Ron Rivera added that "my gut is he will play. Until we shut him down with the rain, he was moving around well."
Barring a serious turn for the better, there has to be concern that "89" will serve primarily as a decoy Sunday. His pedestrian statistics this season belie his importance to the Panthers as an inspirational force and team leader.
Ted Ginn, Jr. On Steve Smith's importance to Panthers: "He's our LeBron."â Jim Corbett (@ByJimCorbett)
January 10, 2014
We previewed all four divisional playoff games in the latest "Around The League Podcast."


text: An Ode to Rosé Hoke Harden August 3, 2010 Extra Features, FCG, Wine Spotlight 5 A fine rosé is a wonderful thing. Not only does it massage the palate, but it's also an intellectual exercise, a philosophical study, and a work of art. That's a lot of gravitas for what's often dismissed as a lightweight pink wine.


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ROME (Reuters) - Italy voted on Sunday in one of the most unpredictable elections in years, with many voters expressing rage against a discredited elite and doubt that a government will emerge strong enough to combat a severe economic crisis.
"I am pessimistic. Nothing will change," said Luciana Li Mandri, 37, as she cast a ballot in the Sicilian capital Palermo on the first of two days of voting that continues on Monday.
"The usual thieves will be in government."
Her gloom reflected the mood across Italy, where many voters said they thought the new administration would not last long, just the opposite of what Italy needs to combat the longest slump in 20 years, mounting unemployment and a huge public debt.
The election is being closely watched by investors whose memories are fresh of a debt crisis which forced out scandal-plagued conservative premier Silvio Berlusconi 15 months ago and saw him replaced by economics professor Mario Monti.
"I'm not confident that the government that emerges from the election will be able to solve any of our problems," said Attilio Bianchetti, a 55-year-old building tradesman in Milan.
Underlining his disilluion with the established parties, he voted for the 5-Star Movement of comic Beppe Grillo.
An iconclastic, 64-year-old Genoese, Grillo has screamed himself hoarse with obscenity-laced attacks on politicians that have channeled the anger of Italians, especially a frustrated young generation hit by record unemployment.
"He's the only real new element in a political landscape where we've been seeing the same faces for too long," said Vincenzo Cannizzaro, 48, in Palermo.
Opinion polls give the centre-left coalition of Pier Luigi Bersani a narrow lead but the result has been thrown open by the prospect of a huge protest vote against Monti's painful austerity measures and rage at a wave of corruption scandals.
A weak government could usher in new instability in the euro zone's third largest economy and cause another crisis of confidence in the European Union's single currency.
Television tycoon Berlusconi, showing off unrivalled media skills and displaying extraordinary energy for a man of 76, has increased uncertainty over the past couple of months by halving the gap between his centre-right and Bersani.
"I am pessimistic. There is such political fragmentation that we will again have the problem of ungovernability" said Marta, a lawyer voting in Rome who did not want to give her family name. "I fear the new government won't last long."
Another Roman voter, lab technician Manila Luce, 34, said: "I am voting Grillo and I hope a lot of people do. Because it's the only way to show how sick to the back teeth we are with the old parties."
Voting continues until 10 p.m. (4 p.m. EST) and resumes on Monday at 7 a.m. Exit polls will be published shortly after polls close at 3 p.m. on Monday. Full official results are expected by early Tuesday.
Snow in the north was expected to last into Monday and could discourage some of the 47 million eligible voters. Authorities said they were prepared for the weather and in the central city of Bologna roads were cleared of snow before voting started.
Several bare-breasted women protested against Berlusconi when he voted in Milan. They were bundled away by police.
The four-time premier, known for off-color jokes and a constant target of feminists, is on trial for having sex with an underage prostitute during "bunga bunga" parties at his villa.
Most experts expect a coalition between Bersani and Monti to form the next administration, but whatever government emerges will have to try to reverse years of failure to revitalize one of the most sluggish economies in the developed world.
The widespread despair over the state of the country, where a series of corruption scandals has highlighted the stark divide between a privileged political elite and millions of ordinary Italians struggling to make ends meet, has left deep scars.
"It's our fault, Italian citizens. It's our closed mentality. We're just not Europeans," said voter Li Mandri in Palermo.
"We're all about getting favors when we study, getting a protected job when we work," she said. "That's the way we are and we can only be represented by people like that as well."
Even if Bersani wins as expected, Analysts are divided over whether he will be able to form a stable majority that can force through sweeping economic reforms.
His centre-left is expected to have firm control of the lower house, thanks to rules that give a strong majority to whichever party wins the most votes nationally.
But a much closer battle will be fought for the Senate which is elected on a regional basis and which has equal law making powers to the chamber.
Berlusconi has clawed back support by promising to repeal Monti's hated new housing tax, the IMU, and to refund the money. He relentlessly attacked what he called the "Germano-centric" policies of the former European Union commissioner.
Think-tank consultant Mario, 60, said on his way to vote in Bologna that Bersani's Democratic Party was the only group serious enough to repair the economy: "They're not perfect," he said. "But they've got the organization and the union backing that will help them push through structural reforms."
Despite Berlusconi's success, Grillo has tapped into the same public frustration as the conservative tycoon and pollsters say his 5-Star Movement of political novices could overtake the centre-right to take second place in the vote.
Rivals have branded Grillo a threat to democracy - a vivid image in a country ruled by fascists for two decades until World War Two. Several voters who spoke to Reuters said Grillo was not the answer because of his lack of concrete policies and the inexperience of those who will sit in parliament for 5-Star.
"Grillo is a populist and populism doesn't work in a democracy," said retired notary Pasquale Lebanon, 76, as he voted for Bersani's Democratic Party in Milan.
"I'm very worried. There seems to be no way out from a political point of view, or for being able to govern," said Calogero Giallanza, a 45-year-old musician in Rome as he also voted for Bersani.
"There's bound to be a mess in the Senate because, as far as I can see the 5-Star Movement is unstoppable."
(Additional reporting by Cristiano Corvino, Lisa Jucca, Jennifer Clark, Matthias Baehr, Jennifer Clark and Sara Rossi in Milan, Stephen Jewkes in Bologna, Wladimir Pantaleone in Palermo, Stefano Bernabei and Massimiliano Di Giorgio in Rome; Writing by James Mackenzie and Barry Moody; Editing by Alastair Macdonald)
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I bought some wheat berries the other day and noticed in the 'Tonics' section of Nourishing Traditions that there is a recipe called Rejuvelac. I had never heard of this tonic before. It seems it is another fermented beverage similar to beet kvass or cabbage/sauerkraut juice, but it's made with wheat berries. It is extremely high in B vitamins in a form that is easily absorbed by the body. And it's very easy to make!
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It's perhaps the most highly anticipated release of the year in American Whiskey. Each Fall the Buffalo Trace Antique Collection (BTAC) releases a line up of five whiskeys; George T. Stagg Bourbon, Eagle Rare 17 Bourbon, Sazerac 18 Rye Whiskey, Thomas H. Handy Rye Whiskey, and the subject of this review, William Larue Weller. Supply and demand are clearly good for business because these whiskeys can be tough to come by. Some might suggest you have to have compromising pictures of your local spirit merchant to even get a bottle or two. I say just make friends and/or be a great customer and that usually helps.
William Larue Weller is made from a wheated bourbon mashbill (grain recipe) that contains no rye grain. It's a similar (likely exactly the same) recipe as used in Pappy Van Winkle.
2011 William Larue Weller Bourbon, 66.75% abv (133.5 Proof), $80/bottle
Color: Mahogany, deep amber
Nose: Dark dried fruits (dates, raisins), Fruitcake, toasted almonds, cocoa, and creamy cafe au lait. This is one where a splash of water releases beautiful roasted notes of coffee beans and saddle leather.
Palate: Dark and sultry. Toffee, roasted and caramelized nuts (slightly burned?), candied fruits, black coffee, bitter dark chocolate, and clove. The balance of sweet, rich, spicy, and bitter is just outstanding.
Finish: Chocolate caramels, concentrated berry syrup, toasted oak and vanilla.
Overall: Clearly one of the three best whiskeys I've sipped this year thus far, but I do hate the fact that this stuff is so damn tough to get. I can't believe they don't have more of this to get to the public. Keep searching though because this is without question an Epic whiskey. It's the best William Larue Weller of the last 2-3 years for sure, and based on the three I've tasted from the collection this year (Stagg and Handy), it's the best so far in my opinion.
Sour Mash Manifesto Rating: 9.6 (Epic/Classic)


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Brittney Griner isn't surprised by the Phoenix Mercury's success this season. Not even her team's record-setting 29 wins.
SEATTLE – Brittney Griner isn't surprised by the Phoenix Mercury's success this season. Not even her team's record-setting 29 wins.
Griner had 18 points and 10 rebounds as the Mercury beat the Seattle Storm 78-65 in the season final Sunday night, setting a new WNBA mark for victories.
Candice Dupree added 16 points to help Phoenix (29-5) top the previous record shared by Los Angeles (28-4 in both 2000 and 2001) and Seattle (28-6 in 2010). Penny Taylor and Erin Phillips had 11 points apiece.
"Throughout the year, I could see it," Griner said. "We just kept playing hard. We hate losing, and we just kept going every day. … We grew and got better as the season progressed, so I definitely saw more wins coming our way."
First-year Mercury coach Sandy Brondello said switching the team's mindset from offense to defense was instrumental in setting the record — one she said she didn't necessarily expect.
"I never look at wins and losses when I take over a team like that. It was more about getting the team together where I thought we needed to be (in order) to be successful," Brondello said. "It was team chemistry. And it was buying into playing defense first and playing out of there on the offensive end, which is something new for this franchise.
"They bought in and really embraced what we wanted to do."
The Mercury, who have home-court advantage throughout the playoffs, will host Los Angeles in Game 1 of the Western Conference semifinals on Friday. Phoenix won all five regular-season games against the Sparks, and also beat them in three games in last year's West semifinals.
"They're a tough team — you look at their roster," said Mercury star Diana Taurasi, who was limited to just two points on Sunday. "But it's whoever is best at the end of the day, and we're going to have to be that."
Crystal Langhorne scored 16 points to lead Seattle (12-22), which will miss the playoffs for the first time since 2003, and the first time during coach Brian Agler's seven-year tenure with the Storm.
"It's sort of uncharted territory for us," Agler said. "We can debate about why it happened. But just being (in this situation) was not easy. That being said, we talked about it in the locker room. We don't like being here, so we have to come back hungrier next year, so at this time a year from now, we're finding a way to get ourselves in the playoffs."
Phoenix didn't give up the lead after scoring the first six points of the game. They were up 56-49 entering the fourth quarter, and extended the margin to 12 with 8:40 left. Seattle didn't closer than nine after that.
The Mercury shot 54 percent from the field (30 of 66), the 18th time in 34 games that they topped 50 percent. Their season percentage of 48.4 was a league record, beating the old record of 47.4 set by Minnesota last year. The Storm hit just 37 percent (25 of 68) and finished with fewer than 70 points for the 18th time.
WNBA Western Conference semifinals
Mercury vs. Los Angeles
Game 1: 7 p.m. Friday, US Airways Center, NBA TV.
Game 2: 6 p.m. Sunday, Staples Center, Los Angeles, ESPN2.
Game 3 (if necessary): 7 p.m. Aug. 26, US Airways Center, FSAZ Plus.


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Prazosin and polythiazide (Oral route)
PRAZ-oh-sin hye-droe-KLOR-ide, pol-ee-THYE-a-zide
Brand Names:
- Minizide
Dosage Forms:
- Capsule
Alpha-1 Adrenergic Blocker/Thiazide Combination
Uses of This Medicine:
Prazosin and polythiazide combination is used in the treatment of high blood pressure (hypertension).
High blood pressure adds to the workload of the heart and arteries. If it continues for a long time, the heart and arteries may not function properly. This can damage the blood vessels of the brain, heart, and kidneys resulting in a stroke, heart failure, or kidney failure. High blood pressure may also increase the risk of heart attacks. These problems may be less likely to occur if blood pressure is controlled.
Prazosin works by relaxing blood vessels so that blood passes through them more easily. The polythiazide in this combination is a thiazide diuretic (water pill) that helps to reduce the amount of water in the body by increasing the flow of urine. Both of these actions help to lower blood pressure.
This medicine is available only with your doctor's prescription.
Before Using This Medicine:
In deciding to use a medicine, the risks of taking the medicine must be weighed against the good it will do. This is a decision you and your doctor will make. For this medicine, the following should be considered:
Tell your doctor if you have ever had any unusual or allergic reaction to this medicine or any other medicines. Also tell your health care professional if you have any other types of allergies, such as to foods, dyes, preservatives, or animals. For non-prescription products, read the label or package ingredients carefully.
Although there is no specific information about the use of this medicine in children, it is not expected to cause different side effects or problems in children than it does in adults. However, extra caution may be necessary in infants with jaundice, because these medicines can make the condition worse.
Older adults
Dizziness, lightheadedness, or fainting or symptoms of too much potassium loss may be more likely to occur in the elderly, who are more sensitive to the effects of prazosin and polythiazide. In addition, this medicine may reduce tolerance to cold temperatures in elderly patients.
|Pregnancy Category
|All Trimesters
|Animal studies have shown an adverse effect and there are no adequate studies in pregnant women OR no animal studies have been conducted and there are no adequate studies in pregnant women.
There are no adequate studies in women for determining infant risk when using this medication during breastfeeding. Weigh the potential benefits against the potential risks before taking this medication while breastfeeding.
Other medicines
Although certain medicines should not be used together at all, in other cases two different medicines may be used together even if an interaction might occur. In these cases, your doctor may want to change the dose, or other precautions may be necessary. When you are taking this medicine, it is especially important that your healthcare professional know if you are taking any of the medicines listed below. The following interactions have been selected on the basis of their potential significance and are not necessarily all-inclusive.
Using this medicine with any of the following medicines is usually not recommended, but may be required in some cases. If both medicines are prescribed together, your doctor may change the dose or how often you use one or both of the medicines.
- Acetyldigoxin
- Arsenic Trioxide
- Bepridil
- Deslanoside
- Digitalis
- Digitoxin
- Digoxin
- Dofetilide
- Droperidol
- Flecainide
- Ketanserin
- Levomethadyl
- Lithium
- Metildigoxin
- Sotalol
- Tadalafil
Using this medicine with any of the following medicines may cause an increased risk of certain side effects, but using both drugs may be the best treatment for you. If both medicines are prescribed together, your doctor may change the dose or how often you use one or both of the medicines.
- Acebutolol
- Aceclofenac
- Acemetacin
- Alacepril
- Alclofenac
- Alprenolol
- Apazone
- Atenolol
- Benazepril
- Benoxaprofen
- Betaxolol
- Bevantolol
- Bisoprolol
- Bromfenac
- Bucindolol
- Bufexamac
- Captopril
- Carprofen
- Carteolol
- Carvedilol
- Celecoxib
- Celiprolol
- Cilazapril
- Clometacin
- Clonixin
- Delapril
- Dexketoprofen
- Diclofenac
- Diflunisal
- Dilevalol
- Dipyrone
- Droxicam
- Enalaprilat
- Enalapril Maleate
- Esmolol
- Etodolac
- Etofenamate
- Felbinac
- Fenbufen
- Fenoprofen
- Fentiazac
- Floctafenine
- Flufenamic Acid
- Flurbiprofen
- Fosinopril
- Ginkgo
- Gossypol
- Ibuprofen
- Imidapril
- Indomethacin
- Indoprofen
- Isoxicam
- Ketoprofen
- Ketorolac
- Labetalol
- Levobunolol
- Licorice
- Lisinopril
- Lornoxicam
- Meclofenamate
- Mefenamic Acid
- Meloxicam
- Mepindolol
- Metipranolol
- Metoprolol
- Moexipril
- Nabumetone
- Nadolol
- Naproxen
- Nebivolol
- Niflumic Acid
- Nimesulide
- Oxaprozin
- Oxprenolol
- Oxyphenbutazone
- Penbutolol
- Pentopril
- Perindopril
- Phenylbutazone
- Pindolol
- Pirazolac
- Piroxicam
- Pirprofen
- Propranolol
- Propyphenazone
- Proquazone
- Quinapril
- Ramipril
- Rofecoxib
- Sildenafil
- Sotalol
- Spirapril
- Sulindac
- Suprofen
- Talinolol
- Temocapril
- Tenidap
- Tenoxicam
- Tertatolol
- Tiaprofenic Acid
- Ticrynafen
- Timolol
- Tolmetin
- Trandolapril
- Vardenafil
- Zofenopril
- Zomepirac
Other interactions
Certain medicines should not be used at or around the time of eating food or eating certain types of food since interactions may occur. Using alcohol or tobacco with certain medicines may also cause interactions to occur. Discuss with your healthcare professional the use of your medicine with food, alcohol, or tobacco.
Other medical problems
The presence of other medical problems may affect the use of this medicine. Make sure you tell your doctor if you have any other medical problems, especially:
- Angina (chest pain) or
- Heart disease (severe) Prazosin may make these conditions worse
- Type 2 diabetes mellitus Polythiazide may increase the amount of sugar in the blood
- Gout (history of) or
- Lupus erythematosus (history of) or
- Pancreatitis (inflammation of the pancreas) Thiazide diuretics may make these conditions worse
- Kidney disease Effects of this combination medicine may be increased because of increased sensitivity to the effects of prazosin and slower removal of polythiazide from the body. If kidney disease is severe, polythiazide may not work
- Liver disease If polythiazide causes loss of too much water from the body, liver disease can become much worse
Proper Use of This Medicine:
In addition to the use of the medicine your doctor has prescribed, treatment for your high blood pressure may include weight control and care in the types of foods you eat, especially foods high in sodium. Your doctor will tell you which of these are most important for you. You should check with your doctor before changing your diet.
Many patients who have high blood pressure will not notice any signs of the problem. In fact, many may feel normal. It is very important that you take your medicine exactly as directed and that you keep your appointments with your doctor even if you feel well.
Remember that this medicine will not cure your high blood pressure but it does help control it. Therefore, you must continue to take it as directed if you expect to lower your blood pressure and keep it down. You may have to take high blood pressure medicine for the rest of your life . If high blood pressure is not treated, it can cause serious problems such as heart failure, blood vessel disease, stroke, or kidney disease.
This medicine may cause you to have an unusual feeling of tiredness when you begin to take it. You may also notice an increase in the amount of urine or in your frequency of urination. After taking the medicine for a while, these effects should lessen.
It is best to plan your dose or doses according to a schedule that will least affect your personal activities and sleep. Ask your health care professional to help you plan the best time to take this medicine.
To help you remember to take your medicine, try to get into the habit of taking it at the same time each day.
The dose of this medicine will be different for different patients. Follow your doctor's orders or the directions on the label. The following information includes only the average doses of this medicine. If your dose is different, do not change it unless your doctor tells you to do so.
The amount of medicine that you take depends on the strength of the medicine. Also, the number of doses you take each day, the time allowed between doses, and the length of time you take the medicine depend on the medical problem for which you are using the medicine.
- For oral dosage form (capsules):
- For high blood pressure:
- Adults 1 capsule two or three times a day.
- Children Dose must be determined by your doctor.
- For high blood pressure:
Missed dose
If you miss a dose of this medicine, take it as soon as possible. However, if it is almost time for your next dose, skip the missed dose and go back to your regular dosing schedule. Do not double doses.
Store the medicine in a closed container at room temperature, away from heat, moisture, and direct light. Keep from freezing.
Keep out of the reach of children.
Do not keep outdated medicine or medicine no longer needed.
Precautions While Using This Medicine:
It is important that your doctor check your progress at regular visits to make sure this medicine is working properly.
Do not take other medicines unless they have been discussed with your doctor. This especially includes over-the-counter (nonprescription) medicine for appetite control, asthma, colds, cough, hay fever, or sinus problems, since they may tend to increase your blood pressure.
This medicine may cause a loss of potassium from your body.
- To help prevent this, your doctor may want you to:
- eat or drink foods that have a high potassium content (for example, orange or other citrus fruit juices), or
- take a potassium supplement, or
- take another medicine to help prevent the loss of the potassium in the first place.
- It is very important to follow these directions. Also, it is important not to change your diet on your own. This is more important if you are already on a special diet (as for diabetes), or if you are taking a potassium supplement or a medicine to reduce potassium loss. Extra potassium may not be necessary and, in some cases, too much potassium could be harmful.
Check with your doctor if you become sick and have severe or continuing vomiting or diarrhea. These problems may cause you to lose additional water and potassium.
Dizziness, lightheadedness, or sudden fainting may occur after you take this medicine, especially when you get up from a lying or sitting position. These effects are more likely to occur when you take the first dose of this medicine. Taking the first dose at bedtime may prevent problems. However, be especially careful if you need to get up during the night. These effects may also occur with any doses you take after the first dose. Getting up slowly may help lessen this problem. If you feel dizzy, lie down so that you do not faint. Then sit for a few moments before standing to prevent the dizziness from returning.
Make sure you know how you react to this medicine before you drive, use machines, or do anything else that could be dangerous if you are dizzy or are not alert. After you have taken several doses of this medicine, these effects should lessen.
The dizziness, lightheadedness, or fainting is also more likely to occur if you drink alcohol, stand for a long time, exercise, or if the weather is hot. While you are taking this medicine, be careful to limit the amount of alcohol you drink. Also, use extra care during exercise or hot weather or if you must stand for a long time.
For diabetic patients:
- Polythiazide (contained in this combination medicine) may raise blood sugar levels. While you are using this medicine, be especially careful in testing for sugar in your blood or urine. If you have any questions about this, check with your doctor.
Some people who take this medicine may become more sensitive to sunlight than they are normally. Exposure to sunlight, even for brief periods of time, may cause a skin rash, itching, redness or other discoloration of the skin, or a severe sunburn. When you begin taking this medicine:
- Stay out of direct sunlight, especially between the hours of 10:00 a.m. and 3:00 p.m., if possible.
- Wear protective clothing, including a hat and sunglasses.
- Apply a sun block product that has a skin protection factor (SPF) of at least 15. Some patients may require a product with a higher SPF number, especially if they have a fair complexion. If you have any questions about this, check with your health care professional.
- Do not use a sunlamp or tanning bed or booth.
- Apply a sun block lipstick that has an SPF of at least 15 to protect your lips.
If you have a severe reaction from the sun, check with your doctor.
Side Effects of This Medicine:
- Signs and symptoms of too much potassium loss
- Dryness of mouth (severe)
- increased thirst
- irregular heartbeat (continuing)
- mood or mental changes
- muscle cramps or pain
- nausea or vomiting
- unusual tiredness or weakness
- weak pulse
- Signs and symptoms of too much sodium loss
- Confusion
- convulsions
- decreased mental activity
- irritability
- muscle cramps
- unusual tiredness or weakness
- More common
- Dizziness or lightheadedness, especially when getting up from a lying or sitting position
- sudden fainting
- Less common
- Inability to control urination
- irregular heartbeat
- pounding heartbeat
- swelling of feet or lower legs
- weight gain
- Rare
- Black, tarry stools
- blood in urine or stools
- chest pain
- cough or hoarseness
- fever or chills
- joint pain
- lower back or side pain
- painful or difficult urination
- painful, inappropriate erection of penis, continuing
- pinpoint red spots on skin
- shortness of breath
- skin rash or hives
- stomach pain (severe) with nausea and vomiting
- unusual bleeding or bruising
- yellow eyes or skin
Along with its needed effects, a medicine may cause some unwanted effects. Although not all of these side effects may occur, if they do occur they may need medical attention.
Check with your doctor as soon as possible if any of the following side effects occur:
- Less common
- Decreased sexual ability
- diarrhea
- drowsiness
- headache
- increased sensitivity of skin to sunlight
- lack of energy
- loss of appetite
- nervousness
- stomach upset or pain
- Rare
- Frequent urge to urinate
- nausea
Some side effects may occur that usually do not need medical attention. These side effects may go away during treatment as your body adjusts to the medicine. Also, your health care professional may be able to tell you about ways to prevent or reduce some of these side effects. Check with your health care professional if any of the following side effects continue or are bothersome or if you have any questions about them:
Other side effects not listed may also occur in some patients. If you notice any other effects, check with your healthcare professional.
Call your doctor for medical advice about side effects. You may report side effects to the FDA at 1-800-FDA-1088.
Last Updated: 6/12/2013


text:
Student or Learner
Boost in the economy bring job opportunity
Boost of the economy bring job opportunity
I am always confused by this kind of problem, sometime may be like Boost for the economy
which one is right, and is there any good way to help me solve this kind of problem.
Thanks so much
Could you tell me why use "in" instead of "of", and how to judge which preposition should be the right one when the same problem come to me, or is there special book for preposition.
You could learn the easier prepositions:
Prepositions - Glossary Definition - UsingEnglish.com
But some you will just have to guess at until you learn them from experience.
There are several correct forms, but "economic boost bring job opportunity" is not one of them.
I did not correct the whole of the OP's sentence, since he was primarily interested in the preposition.
The form of the above sentence is incorrect because:
- it lacks correct morphology: "brings" would be necessary to make the verb correct.
- "economic boost" requires an article: "An economic boost", for example, or perhaps "Economic boosts"
- "job opportunity" would have to be "job opportunities" or "an opportunity for jobs" or "opportunities for jobs". "Job opportunity" as an abstract concept is possible, but is unlikely to be used in this sentence.
Some correct minimalist forms of this sentence would be:
Economic boosts bring job opportunities.
An economic boost brings job opportunities.
But a good English rendition (without using a preposition) would be better written as:
An economic boost would bring increased job opportunities.
Economic boosts generally bring an increase in job opportunities.


text:
Suitable For Middle And High School-aged Students
This highly interactive program gives Middle and High School students a behind-the-scenes look at all the elements that contribute to producing an opera, and also introduces students to career opportunities on and off the stage. Opera Inside Out is a modular program focusing on a range of areas including stage direction, costumes, make-up, lighting design, props, vocal performance and arts administration. The program culminates with a chance for all participating students to attend one of the Florentine Opera's mainstage shows.
To discuss the various options for this exciting and customizable program please contact John Stumpff, Education & Community Engagement Manager.
Click here to see examples of the feedback from students at Hope School.
Click here to see feedback from students at Greendale High School.


text:
Svatantra Micro Housing Finance Corporation Limited (SMHFC) was incorporated on May 16, 2008 with the objective to provide housing finance for lower income households (mostly in the informal sector) in urban India.
One of the issues stalling the development of low income housing is the lack of finance available to lower income households (especially those without documentation to prove incomes) to buy such homes. SMHFC was set up to specifically address this gap.
The company received the necessary regulatory clearance from the National Housing Bank ("NHB") in the form of the Certificate of Registration ("COR") in Feb 2009 and sanctioned its first loan in June 2009.


text:
The 80's Horror genre gave us some of the goriest and most original films that made us peer from behind the couch. Here are the Top 10 80s Horror Movies.
10. Day of the Dead (1985)
This is the third film in George A. Romero's Dead series. With zombies having overrun the globe, a small team of surviving humans hide in an underground bunker in Florida. They consist of an uneasy alliance of scientists and the military personnel.
9. The Fly (1986)
This '80s horror remake turned out pretty nifty. This thriller, from David Cronenberg, stars Jeff Goldblum as a scientist attempting to crack a teleportation code - but things go wrong when his DNA becomes spliced with that of a fly's thanks to a problematic trial. It's not long before the fly DNA starts to take control.
8. A Nightmare on Elm Street (1984)
It's hard to recall a time when Freddy Krueger (Robert Englund) actually WAS scary, but a quick re-watch of Wes Craven's dream-stalking scare-flick will remind you, as the nightmare-weaver goes after the teenage residents of Elm Street, including young Nancy (Heather Langenkamp).
7. The Howling (1981)
Released the same year as An American Werewolf In London, Joe Dante's similarly tongue-in-cheek pooch flick is arguably even scarier, mostly thanks to its remote location and a fantastically nightmarish turn by lead wolf Robert Picardo. Ignoring the plot of Gary Brandner's original novel, the film follows disturbed news reporter Karen (Dee Wallace) to a spiritual retreat where monsters lurk.
6. Friday The 13th Part 2 (1980)
Though the saga of Jason Voorhees' obsession with slice-n-dicing teenagers became something of a bad joke after the franchise's first four entries, number two is easily the creepiest as our heroine Ginny (Amy Steel) goes up against Jason himself. This is before the hockey mask, and he's wearing a deliciously sinister sack over his deformed head.
5. An American Werewolf in London (1981)
Expertly blending laughs with scares, John Landis' pioneering werewolf flick is about backpackers David and Jack who land in England and are swiftly attacked by a hideous beast that claims Jack's life. Though David survived, he might be about to go through some changes.
4. Poltergeist (1982)
This film is proof that just because something's produced by Steven Spielberg doesn't mean a film can't contain some truly mentally-scarring imagery. This suburban tale from director Tobe Hooper follows the Freeling family, who move into a new home, only to discover it's being haunted by the restless ghosts of an old Indian cemetery.
3. Hellraiser (1987)
This movie is Clive Barker's adaptation of his own novel. Hellraiser forever branded the name 'Pinhead' into the minds of the 80's movie-going public as that needling demon-angel that comes to anybody who solves the Lament Configuration puzzle box and offers to tear their souls apart. Attempting to survive the carnage is perky teenager Kirsty (Ashley Laurence).
2. The Shining (1980)
Stephen King may have disowned Stanley Kubrick's adaptation of his novel, but we stand by it as one of the most elegant horror films ever made. Jack Nicholson plays an alcoholic writer who sets up camp with his family at the Overlook Hotel during off-season, only to go, well, a bit mad.
1. The Thing (1982)
Back when remakes weren't commonplace (imagine that), John Carpenter's reimagining of Howard Hawks' 1951 scarer expertly gets under the skin as hero MacReady (Kurt Russell) finds himself stranded in the Antarctic and facing off against a shape-shifting alien.
Halloween is around the corner. Make yours spooky and terrifying with awesome movie deals from our Top 10 80s Horror Movies.


text:
Jenni Gritters
Jenni Gritters is a health journalist and certified yoga teacher from Seattle, WA. She covers the science of healthy living, focusing on the newest scientific research about living a satisfying life. She's especially interested in looking at which new health trends are legitimate and which are bunk. Lately, she's been working to understand how the newest technologies are impacting our brains. She also writes outdoor adventure-focused product reviews and travel guides.
Jenni runs a weekly column for Medium's health magazine Elemental, called The Health Diaries, and writes regularly for the REI Co-op Journal, Gear Patrol, mindbodygreen, Experience magazine, and more. She previously worked as an editor at The New York Times' product review site Wirecutter, where she edited longform health, fitness, travel, and outdoors content. You can also find her published bylines in The Guardian, Greatist, Outside magazine, Upworthy, FiveThirtyEight, Boston magazine, and more. She has a degree in psychology from Bucknell University and a masters degree in journalism from Boston University.
When she's not at her keyboard, you can find Jenni teaching yoga and mindfulness, hiking, running with her puppy and husband, and cooking.


text:
The Matriux is a phenomenon that was waiting to happen. It is a fully featured security distribution based on Debian consisting of a powerful bunch of more than 300 open source and free tools that can be used for various purposes including, but not limited to, penetration testing, ethical hacking, system and network administration, cyber forensics investigations, security testing, vulnerability analysis, and much more. It is a distribution designed for security enthusiasts and professionals, although it can be used normally as your default desktop system.
With Matriux, you can turn any system into a powerful penetration testing toolkit, without having to install any software into your hardisk. Matriux is designed to run from a Live environment like a CD / DVD or USB stick or it can easily be installed to your hard disk in a few steps. Matriux also includes a set of computer forensics and data recovery tools that can be used for forensic analysis and investigations and data retrieval.
Matriux is now a member of Open Invention Network (OIN).
If you have a tool request that does not already exist in Matriux, and feel that it should be in the Matriux Arsenal. please use this form to request it. This form will be active for 8 weeks.


text:
Welcome to The Montien Hotel
The Spirit of Thai Hospitality
"Montien", means "Royal Residence" in English and M.R. Mitaroon Kasemsri, the architect of The Montien Hotel Bangkok, reflected this in the traditional Thai style design and decorations, which can be seen in all 3 Montien Hotels.
Montien Hotels Thailand have been seen to serve travellers from all continents for more than 40 years, given the best of Thai service - which makes Montien Hotels so uniquely Thai, and offering "The Spirit of Thai Hospitality"


text:
Big Rapids, Mich. - The Ferris State University track and field teams closed out another busy weekend with action in two meets on Saturday (April 27).
Selected team members wrapped up action in the 47th annual Hillsdale "Gina Relays" hosted by Hillsdale College while other squad participants headed to Grand Rapids for the Ernie Mousseau Track and Field Classic hosted by Aquinas college at Houseman Field.
Highlighting the day was Ferris State's Jessica Pilling, who established a new school record and NCAA automatic qualifying mark by winning the hammer throw at the Aquinas meet with a toss of 187-8 (57.21m).
Christa Cwiek was fourth in the javelin (99-1) in Grand Rapids while Rachel Long placed sixth overall in the hammer throw (128-1) and was ninth overall in the discus (103-3).
In men's competition at Aquinas, Ryan Stankey earned runner-up honors in the shot put (47-3) while Travis Hauck placed sixth (41-11.25) in the same event.
JJ Vandenberg took sixth place in the men's hammer throw (160-4) while Austin Grant was eighth (156-11) and David Jimpkoski ninth (152-11) in the same event.
Derek Ash wound up eighth in the men's discus (137-2) while Sam Goode finished 12th (118-1) in the same event.
Meanwhile, at the Gina Relays, Breeann Ovokaitys came in 10th overall in the women's 1,500 meters (4:49.34).
Alyssa Osika placed 11th overall in the championship field of the 800 meters (2:15.17) at Hillsdale and was among the highest non-Division I finishers.
On the men's side, Blake Garver took eighth place in the men's 1,500 meters (3:59.19).
Ferris State will take part in the 2013 Great Lakes Intercollegiate Athletic Conference (GLIAC) Championships set for May 1-3 in Ashland, Ohio. The meet will be held at the Dwight Schar Athletic Complex.


text:
Law Enforcement, Public Safety, and National Security
ISPs are not cops, and never should be.
The big problem with representative Markey's Net Neutrality bill, is that it bequeaths onto ISPs the power to be police by giving them the responsibility to figure out which users are lawfully using the internet. For one thing that violates the due process clause of the constitution. For another it means that ISPs will inherently be able to watch our data... I have a big problem with that. That violates the prohibition... more »


text:
GameHitZone.com - Games For Free!
English | Русский | Español | Français | العربية | Português | Deutsch
Download Free Game Zombie Apocalypse Shooter
3D zombie first person shooter game. People around the world are beginning to be infected by a virus that turns them into the walking dead - zombies. The infected are aggressive and attack healthy people. A few of those who survived are trying to escape, clearing their way with weapons. Use four types of weapons - the Desert Eagle, Uzi, an army shotgun, and AK-47 to kill all the zombies on your way!


text:
Right now in Germany we are witnessing an unprecedented mass mobilization against radioactive waste and against the operational extension of 17 nuclear reactors in the country by an average of 12 years. This anti-CASTOR (Cask for Storage and Transport of Radioactive material) mobilization is the largest Germany has seen, and includes both the young and the old, farmers and politicians, environmental and youth groups. It is truly a grassroots movement, united behind one goal: saying 'Nein Danke' -'No thank you' - to nuclear energy.
I had the honour of addressing this movement at a rally yesterday where I was particularly moved by the inter-generational nature of the crowd. Whole families turned out in solidarity with local residents who have been protesting against radioactive nuclear waste for the past thirty years. This year the demonstrations have escalated because of the decision taken by Chancellor Merkel, and her government, to cancel the legally set deadline for the phase out of nuclear power in Germany.
In my address at the rally yesterday I called on her to end nuclear madness and to ensure that Germany is remembered for its leadership in a real energy revolution rather than remembered for backsliding into an outdated obsolete atomic age. Germany does not need nuclear energy and is a global leader in renewable energy - currently employing 380,000 people.
The CASTOR nuclear waste transport is an example of the nuclear madness that must end. It is a train convoy carrying eleven 100-tonne containers of radioactive waste that is reprocessed in France and returns to Germany each year for storage. Measurements of these eleven containers done by ANDRA (National Agency for Radioactive Waste Management) show that the radioactivity in each container is higher than what was released at Chernobyl in 1986 - this makes the CASTOR transport effectively a Chernobyl on wheels.
The final destination for this dangerous convoy is Gorleben, Germany - where it is to be placed in a storage facility that is completely geologically unsuitable. Of course, there is no suitable storage site for nuclear waste - the nuclear industry has no permanent solution for the problem of radioactive waste.
This is what the people of Gorleben have mobilized against each year - and this year they are joined by more people than ever before. Local farmers have opened their homes to house the demonstrators who have come from across the country and beyond. The people's resistance in Gorleben sends a valuable and universal message: We will not bow to the government acting in the interest of the nuclear industry rather than its citizens.
All other governments considering nuclear energy should take heed.
Kumi Naidoo, Executive Director of Greenpeace International, and Yannick Rousselet, nuclear campaigner with Greenpeace France, at the starting point of the nuclear CASTOR transport in La Valognes, France. Image: Pierre Gleizes / Greenpeace
Born in 1965 and hailing from South Africa, Kumi Naidoo was Greenpeace's International Executive Director from November 2009 until December 2015.
GO GERMANY!!!! I am behind you!
I don't approve nuclear power plants, they can't produce as much energy as we need, they are much more expensive...
GO GERMANY!!!! I am behind you!
I don't approve nuclear power plants, they can't produce as much energy as we need, they are much more expensive than renewable energy resources and stations, there is always the danger of the next Chernobyl and contamination, not to mention the posibility to be used for nuclear weapons!!!
8 November, 2010 at 20:45
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Very thanks. But you could do so much for us, if you kill Guido Westerwelle ("Gay Guido").
Was a joke ;)
But here ...
Very thanks. But you could do so much for us, if you kill Guido Westerwelle ("Gay Guido").
Was a joke ;)
But here is NOBODY, who support him. Next elections will come, and the CDU-FDP-coalition WON'T be elected anymore. SPD and "Bündnis '90 - Die Grünen" (short: The greenies) are going to reign...
Atomic Power? No Thanks!
From Berlin, Germany: Roland Hauschulz
P.S: If you find grammatical misstakes, you are allowed to keep them ;)
8 November, 2010 at 21:09
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I am not well informed about things around Guido Westerwelle, so I cannot actually comment on them.
You know, I have lived for 5 years...
I am not well informed about things around Guido Westerwelle, so I cannot actually comment on them.
You know, I have lived for 5 years in Germany and after leaving I am trying to stay informed but I see I do not manage it !
It sounds to me he made some negative PR...;) or who knows it might be the opposite..
I perosnally think all people are equal no matter the race, sexual orientation, colour, religion, etc., etc.
Alles liebe from Sofia, Bulgaria! :)
8 November, 2010 at 21:30
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NO MORE NUCLEAR POWER, it claimes to be safe, but it is never safe because there is ALLWAYS something we can never acount of, " THE HUMAN FACTOR ...
NO MORE NUCLEAR POWER, it claimes to be safe, but it is never safe because there is ALLWAYS something we can never acount of, " THE HUMAN FACTOR ".
9 November, 2010 at 11:47
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so i have been there to protest, wich is my right to do.
the government says, people, especially the party "Die Grünen", (the Gre...
so i have been there to protest, wich is my right to do.
the government says, people, especially the party "Die Grünen", (the Green) overdo it.
they are said to be just against everything.
but somebody has to speak up!
we are a democracy, but the day, when we give in and stop demonstrating, will be the end of the federal republic of germany and the end of our democracy.
we need to raise our voices and stand up to what is right and peacefully fight the wrongs.
there are so many people telling me, that demonstrating wont do any change.
my answer is: if you fight, there is a chance that you will lose. if you do not fight, you have already lost.
i have seen the castor. i know i have to fight.
10 November, 2010 at 18:53
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Dear customers, thank you for your support of our company.
Here, there's good news to tell you: The company recently
launched a number of ...
Dear customers, thank you for your support of our company.
Here, there's good news to tell you: The company recently
launched a number of new fashion items! ! Fashionable
and welcome everyone to come buy. If necessary, please
T-shirts (Polo ,ed hardy,lacoste) $14
New era cap $10
Air jordan(1-24)shoes $30
Handbags(Coach,ed hardy,lv,d&g) $35
Jean(True Religion,ed hardy,coogi) $35
Bikini (Ed hardy,polo) $18
24 November, 2010 at 22:19
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Ladies and gentlemen,
=====www.kogoal.com===== =====www.kogoal.com===== brand shoes,handbags,clothes,watches,caps,jeans,perfume,sunglasses,...
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24 November, 2010 at 22:22
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(Unregistered) PERICLE5ROBERTO9
Hi! What about Italian Nuclear law in progress?
10 January, 2011 at 6:34
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(Unregistered) hermanng
Wenn ihr witklich keinen Atomstrohm haben wollt, dann kauft ihn auch nichrt von Frankreich, denn von dort kommt fast nur Atomstrohm.
Das machet euch erstklassige Hippocrits,
24 November, 2011 at 22:55
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text:
Miami Dolphins fans that want a true No. 1 receiver are about to irrationally get their hopes up. Consider the following from Dolphins cornerback Vontae Davis:
@ochocinco we gotta fly to KC to get @DwayneBowe82 he said he wanna bring his talents to South Beachâ Vontae Davis (@VontaeDavis21) July 2, 2012
@DwayneBowe82 come to Miami @ochocinco just called me & said he will fly up to help u pack......â Vontae Davis (@VontaeDavis21) July 2, 2012
If you were into reading too much into tweets on July 2, the key passage here is that Bowe "said" he wanted to take his talents to South Beach. Bowe is an unsigned franchise player, and he could be looking at the Dolphins as a possible landing spot if and when he ever hits free agency.
Of course, the Kansas City Chiefs aren't going to let that happen. They have him franchised this year and could do it again next season if they can't reach a long-term deal. Plenty of players want to play in Miami. They more likely want to play for the team that pays them the most money. Bowe's response to Davis won't quiet any speculation, though.
#omw @VontaeDavis21 @ochocincoâ Dwayne Bowe (@DwayneBowe82) July 2, 2012
We're going to assume that means "On my way." We're also going to assume this all doesn't mean very much.
(Even if Jay Cutler and Brandon Marshall's Twitter flirtation ultimately was consummated this offseason.)


text:
7 Seriously Ugly Wedding Wrecks To Make Your Day Better
Wow, you guys really like your wedding wrecks, don't you?
And by "your" wedding wrecks, I of course mean someone ELSE'S wedding wrecks.
Because you are terrible, terrible people.
We must be related.
Now, remember, a wedding cake is the most important cake in a person's blah-de-blah-look at this wreck:
On the bright side, there are cupcakes.
On the top side, there's this:
I think it says "M and H."
Why did the baker use "and" instead of an ampersand?
The world... may never know.
Ever wonder what a cake would like like wrapped in wet tissue paper?
This next one is Smurf-tastic:
In fact, I believe the bride's exact words were, "So help me, I'm gonna smurfin' SMURF that smurfing baker!"
...that happened.
The bride asked for steampunk:
She got steamed poop.
Every time I see a wedding cake like this, I think the same thing:
If only that camouflage worked.
At least it didn't have a weedy deer skull on it, though!
The swan pillars are a nice touch.
The intestine topping, not so much.
Thanks to an anonymous bride, an anonymous wedding guest, Katie F., Judy M., another Anony M., Shari A., & Ashley P. for helping me give brides-to-be everywhere nightmares. SLEEP TIGHT, LADIES.
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