Car Rental in Los Angeles – Best Places to Drive Your Rental Car in Los Angeles

There are several great drives to seek out while enjoying the rental car. Of course most travelers will want to avoid the freeways during rush hours, but there are plenty of scenic routes to see in Los Angeles. Perhaps one of the most beautiful drives is Pacific Coast Highway. Situated along the bluffs overlooking the beaches and Pacific Ocean, PCH offers an unrivaled combination of scenic attractions. Commonly referred to on street signs as "PCH", this highway's most beautiful route is between Laguna Beach and Malibu. Sometimes the traffic is slow, but that gives the traveler a great chance to snap photos and take in the scenery.

Another great drive in Los Angeles is the stretch of Mulholland Drive in the Hollywood Hills. This street is well-known for housing famous celebrities. It is not uncommon to pass celebrities, paparazzi or other famous people while taking this scenic route. Winding and open, the road resemblies a mellow mountain drive.

Griffith Park is another interesting area to drive through in Los Angeles. Located in West Los Angeles, Griffith Park has many long and winding roads surrounded by lush trees, greenery and lowers. It is very common to see wild coyotes running through the park. Drivers may want to stop and look through the observatory over Hollywood and West LA

These are just a few of the best places to drive in Los Angeles with your rental car. For more information and articles on this subject please see our website address located in the Author Signature below.



Source by Peter G Coles

Functions of Different Automobile Parts

Automobiles are commonly can be seen in our daily life. With the development of the economy and the improvement of people’s quality of life, more and more people choose to buy cars for their own usage. Therefore, automobile plays a more and more important role in our society.

There is no doubt that automobiles consist of complex subsystems that work together to provide efficient and reliable transportation. Many different parts have different functions and performance. Some of them are quite familiar to us.

Among all the auto parts, engine is the most important. Its right performance leads to the good condition of the automobiles. It can run on wide variety of fuels such as gasoline, diesel fuel, and ethanol and so on. But do you know how does it work? It takes air from the intake tract and fuel from the carburetor or fuel injectors and compresses it inside the cylinder. Then the spark plugs fire, igniting the air/fuel mixture and forcing the piston down in the cylinder, which turns the crankshaft.

In addition to the engine, the drive axle is also a necessary part as to the whole car. It cooperates well with the transmission to achieve the effects. Generally, the drive axle takes the power from the transmission and channels it to the tires, which in turn propel the vehicle. And the transmission can take the power generated by the engine at the crankshaft and relays it to the drive axle. These parts work together to drive cars.

As to the transmission, it can be further divided into manual or automatic models. The former type is one in which the driver selects gears through the use of a shift lever and clutch pedal in the passenger compartment. While the latter one can shift through forward gears by itself, and the driver only needs to select between drive (forward) and reverse. Obviously, it is more convenient when compared to the former one. Thus, the automatic models are more and more popular among people in recent years.

The parts mentioned above are mainly used to push the automobile forward. However, what part do you need if you want to stop it? The answer is the brake system. It uses the power of hydraulic fluid to transfer the force the driver applies to the brake pedal to a clamping force that slows the vehicle. Then the brake pedal is attached to a master cylinder that pumps brake fluid through steel and rubber lines to each wheel. At each wheel, the caliper forces brake pads to clamp down on the rotor, a large steel disc that is attached to the wheel. This causes the vehicle to slow down.



Source by L Lois

Insurance Coverage for Infertility Treatments

For many infertile couples in the United States, the cost of infertility treatment is prohibitive. While many foreign countries, especially those with declining birthrates, subsidize in vitro fertilization (IVF), the United States government has not yet recognized infertility as a disability that warrants greater scrutiny. Luckily for some, however, legislature in 15 states mandates insurers to offer coverage for certain procedures, making infertility treatments more affordable for thousands of families.

Per the American Society for Reproductive Medicine, the following states require insurers to provide coverage for infertility treatment, albeit subject to restrictions:

  • Arkansas: Providers cover IVF, but the lifetime coverage may be limited to $15,000. Restrictions apply (e.g., sperm and eggs must not be donated, the couple must have tried to achieve pregnancy for at least two years, etc.).
  • California: Providers are not required to cover IVF, but diagnosis of infertility may be covered, as well as gamete intrafallopian transfer (GIFT).
  • Connecticut: Both individual and group plans cover medically necessitated diagnosis and treatment of infertility. Restrictions are imposed on patient’s age (must be older than 40), on the maximum number of treatment cycles (four for ovulation induction, three for intrauterine insemination [IUI], and two for IVF, GIFT, zygote intrafallopian transfer [ZIFT], or low tubal embryo transfer), and on the number of embryos transferred (no more than two per cycle).
  • Hawaii: Plans offer a one-time coverage of IVF outpatient expenses. Eggs and sperm must not be donated. The couple must have tried to become pregnant for at least five years. Other restrictions also apply.
  • Illinois: Group plans of at least 25 participants offer coverage for various infertility treatment procedures, but more expensive ones are covered only after less expensive procedures have been attempted unsuccessfully. No more than four egg retrievals can be covered by insurance.
  • Louisiana: Providers cannot deny coverage for the diagnosis and treatment of correctable medical conditions solely because they result in infertility. Coverage excludes infertility medication, IVF, and other assisted reproduction procedures.
  • Maryland: Group plans of at least 50 participants offer coverage for various infertility treatment procedures, but more expensive ones are covered only after less expensive procedures have been attempted unsuccessfully. In addition, providers may impose a lifetime maximum benefit of $100,000 and three IVF cycles per live birth.
  • Massachusetts: Insurance providers cover medically necessary tests and procedures for infertility diagnosis and treatment, including IUI, IVF, GIFT, and ZIFT.
  • Montana: Only health maintenance organizations (HMOs) are required to provide coverage for infertility services as part of basic preventive healthcare services. The extent of this coverage is not defined.
  • New Jersey: Coverage is provided for IUI, IVF, GIFT, ZIFT, and other infertility treatments if less expensive options have been attempted unsuccessfully. The coverage extends to no more than four egg retrievals.
  • New York: Providers cannot deny coverage for the diagnosis and treatment of correctable medical conditions solely because they result in infertility. Coverage excludes infertility medication, IVF, GIFT, ZIFT, and other procedures.
  • Ohio: Only HMOs are required to provide coverage for infertility services as part of basic preventive healthcare services but only when the procedure is medically necessary. The extent of this coverage is not defined.
  • Rhode Island: Insurance providers cover the diagnosis and treatment of infertility if the procedure is deemed medically necessary.
  • Texas: Some insurance plans cover IVF if no other methods have worked and the couple are using their own eggs and sperm.
  • West Virginia: Only HMOs are required to provide coverage for infertility services as part of basic preventive healthcare services but only when the procedure is medically necessary. The extent of this coverage is not defined.

Note that even if insurance providers are not required to cover infertility treatment, some of them still do. For example, my state legislature does not obligate insurers to provide coverage for IVF or other assisted reproduction procedures, but my insurance plan offers a lifetime coverage of $25,000 nevertheless, after certain conditions are met (e.g., more than a year of failing to achieve pregnancy for those who are over 35, three unsuccessful IUIs before an IVF is attempted, etc.).

Although most health insurance providers do not cover infertility treatments if they are not required to do so, keep in mind that parts of these treatments (e.g., ultrasound imaging and blood tests) can be considered routine tests and thus at least partially covered by the insurer. The same is true for generic medication (e.g., clomiphene citrate). Still, the unfortunate reality is that many couples in the United States find themselves required to pay in full for their infertility treatments, and they have to be able to pay the entire amount up front.



Source by K. Lowery

Institutional Pros in Exchange Traded Funds

ETF or the exchanged traded funds are an investment vehicle for trading on the stock exchanges, such as Stocks. EFT is used to hold assets, eg commodities, stocks, bonds, and trades in the same price bracket and as a net asset value underpinning assets during trading days. ETF helps investors track index, eg MSCI EAFE and S & P 500.

Exchange traded funds is a good investment because of the low costs and tax efficiencies. It is a good investment options because of its stock like features. ETF is popular in the exchange traded products line. The authorized participants are popular institutional pros and investors. The traders buy and sell shares of ETF from fund managers.

They use these buy / sell methods to create units and larger blocks of ETF shares in tens of thousands of dollars. These shares are then replaced on an in kind system with baskets that have underpinning securities. Authorized participants or Pros may opt to invest in exchange traded fund shares on a long-term basis. Usually the pros act as what is known as market makers. They open the fundamental assets.

Individual investors use retail brokers to trade shares in secondary markets. Exchange trades combine valuation features of unit investment trust and / or mutual funds. These investments are bought and sold at the end of each trading day. Net asset value is traded, which offers tradable features of closed-end funds. These funds are traded daily at various prices below or higher than net asset value.

Closed-end funds are not ETF shares since those closed funds are traded on an exchange market. Since 1993, the US offered investors ETF trading options, and since 1999, Europe has been offering ETF trades. Europe became the first country to cooperate amid BGI, smaller independent distribution companies, and MSCI. It is known as the Funds Distribution Incorporation.

This distribution company historically moved on to become iShares, which is known globally. Traditionally, exchange funds were dubbed index funds. Today, it is known as actively managed exchanged traded funds established by the US Securities and Exchange Commission.

Investors can join the trading industry to gain access to pools of securities, as well as assets. Investors can buy or sell Exchange funds daily from brokers or dealers. Redemption's and purchased units are in-kind rather than sold or redeemed as shares at NAV, or net asset value. The institutional pro investors contribute and receive baskets of securities. Sometimes investors have to purchase or redeem shareholders, substituting it for cash in exchange for securities.



Source by Alex Garcia

Researching Local Car Dealerships When Purchasing A Car

It's quite possible that purchasing a vehicle is the second most expensive acquisition you will ever make, next to owning your own home. With such a large amount of money needed for a vehicle purchase, a smart investment would include doing your research on not only the type of vehicle you want, but also the dealership you want to patronize.

When researching local car dealership, word-of-mouth is an invaluable resource. When someone you know and trust has had a good, or bad, experience at a local dealership it will help to point you either towards or away from said dealership.

If your best friend went to Buddy's Cars (for example) and had a great experience and walked away with a great deal, you are much more likely to want to give Buddy's Cars a chance to earn your business, right? Whereas if your friend went to Grumpy's Autos (for example) and had an unfriendly salesperson who would not bargain with them on the price of the vehicle, you are likely going to be uninterested in giving Grumpy's a chance.

Once you have narrowed your auto search down to the make and model you desire, it is then easier to narrow down your choice of dealerships because of the types of cars they offer. Whether you're looking for a new or used car, find a dealership that specializes in the type of car you want. They should not only have the largest variety in-stock, but they should also be the most knowledgeable about that particular vehicle.

Negotiating the price of a vehicle is torture for some people; for others it's a natural high to get a great deal. Whether you enjoy it or not, negotiating is a big benefit to the customer when purchasing a vehicle. If the dealership is not willing to come down on the price of their inventory, simply find another dealership that will. Sometimes negotiations take multiple times back and forth from the salesperson to their manager and back to you until you can all agree upon a final price. There really is no reason to pay full sticker price on any vehicle, new or used.

Do your research before car shopping to see what the car you are wanting is worth. If you have a trade-in vehicle, check out sites like http://www.kbb.com or www.nadaguides.com to find out what amount you can expect to get for your trade ahead of time. It helps to have a final amount in mind that you are looking to spend for the new vehicle, with or without a trade-in. Many dealerships have websites that show their current inventory automatically, so you can know what they have in stock before you physically visit them.

Financing options are important to any consumer who is going to need financial assistance with purchasing a vehicle. You can either be prepared by getting pre-approved from your own financial establishment (a bank or credit union), or you can go through whatever financing options the dealership offers. Many dealerships have relationships with local banks and credit unions that will help you get the car you want. It's a nice benefit when dealership offer several financing options to choose from.

Finally, each dealership and really each salesperson at each dealership has their own personality. You will feel most comfortable with someone you fall is trustworthy. If you do not get along with, or feel assured by, your salesperson or dealership, there are most likely plenty of other dealerships that are hungry for your business and will treat you well. You are the ultimate decision-maker, and you have the right to make whatever choice you want. Purchasing a vehicle can be done in one day if that's how you want to do it, but if you would rather start by simply looking around and doing some window shopping, no one should be able to force you into making a rush decision. You will be happiest with a vehicle that was a well-planned purchase from a dealership that was respectful of you and your budget.



Source by Jason J Junge