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August 31, 2009

Financial Ramifications of Aggressive Traffic Enforcement

Rating: 0 Posted By: tripleB
Views: 19 Replies: 0

One common theme amongst posters in the extremely popular Best and Worst States To Live In Financially thread is discussion of level of aggressiveness of traffic enforcement as a negative towards living in certain areas.

One poster mentioned Massachusetts does not allow removal of points by taking traffic school. Many others noted high rates of issued tickets.

This is far from the forum to promote academic research topics, but I am curious see a study done on level of traffic enforcement and finances of a juresdiction. I would like to hope that we could show an inversely proportional relationship that could be shoved in local government’s face to tell them to have cops back off on mandatory ticket quotas and to promote issuance of non-fine warnings in most cases.

In a simple bi-variable example, imagine two adjacent towns. One with very high levels of traffic enforcement and another with very low levels. Assuming all else is equal, people will very clearly choose to live and shop in the town with less enforcement. I know very few people who enjoy getting photoradar tickets on a weekly basis in the mail and getting $200 tickets for jaywalking. It sounds absurd, but this is exactly what is happening in my current town. This 40 square mile town made $15 Million dollars in traffic light camera revenue last year. They have begun issuing $200 tickets to people who jaywalk across empty streets. Traffic light cameras are setup so several intersections are impossible to make left turns on a green-left signal without getting an automatic ticket due to a shortened turn signal time on a long distance turn.

Not only am I moving out of this city as soon as college is over, but I currently do ALL of my shopping in adjacent towns which have slightly less aggressive enforcement rates. I just dont feel safe with police purposely looking for an excuse to pull you over. It was made legal 2 months ago to give probable cause for a traffic stop and complete vehicle search if you have a license plate frame that even partially obstructs the state name by 1 millimeter. This is due to traffic-light cameras requiring a full state name for the automatic software to issue a ticket. Of course there arent any actual humans earning that $15 M annual revenue stream. So this law now gives officers full probable cause to detain you for hours and search your vehicle for a license plate frame that more than 95% of cars still have as issued by the dealership.

In other personal examples, I know Delaware has extremely aggressive enforcement on I95. I have NEVER stopped in Delaware for gas while making an east coast road trip. I want to do my 55 MPH limit and GTFO of the state that is known for aggressive enforcement and ticketing police officers. I’ll get my gas in maryland or new jersey.

Unfortunately with the economy as it is and government budget cuts, it seems like aggressive enforcement is the new form of taxation. Are there any areas of the country that are still reasonable with respect to traffic enforcement? Artificially lowering the speed limit and then ticketing everyone going 5 MPH over a limit lowered 15 MPH from what it should be, is not reasonable. Is there anything we can do to show lawmakers we are unhappy with what they are giving us?

Can anyone here play devils advocate and describe why some people might like aggressive enforcement? Perhaps older people who feel that people drive too “crazy” and “fast” and who have not yet been targeted by aggressive enforcement themselves?



By DealGuruMantra

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August 31, 2009

Boston Market 50% Sept 5-7 Only

Rating: 0 Posted By: MsJAP
Views: 6 Replies: 0

50% off any Family Meal or Market Feast. Valid Sept 5-7 only

http://www.bostonmarket.com/pdfs/LaborDayCoupon.pdf



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August 31, 2009

REQUEST: CHICAGO 9/4-9/7 BEST HOTEL DEAL.

Rating: 0 Posted By: 3gcell
Views: 19 Replies: 0

So far W for $135. Any better?

Thanks!



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August 31, 2009

$75 Visa gift card for 30 minute timeshare phone presentation

Rating: 1 Posted By: dsru
Views: 242 Replies: 3

Link

Easy 75 bucks. Call 888-240-3125 to schedule a 30 minute Marriott timeshare phone salescall.

Key terms from the fine print listed below: expires 9/9; excludes residents of LA, MT, NE, ND, OK, RI, SD, WV

I had my 30 minute telesales call 8/20 and received my $75 visa card today (8/31).

Fine print:
This offer is for a scheduled and completed 30 minute telephone overview with a Marriott Vacation Club Sales Executive. ATTENDANCE AT A SCHEDULED 30 MINUTE TIMESHARE PHONE PRESENTATION IS REQUIRED IN ORDER TO RECEIVE THIS OFFER. Presentation participants must have internet access at time of presentation. Offer is to residents of the United States, including DC, but excluding LA, MT, NE, ND, OK, RI, SD, WV and U.S. possessions, territories, overseas military installations in foreign countries. Must be age of majority in your state of residence to qualify for this offer. Must have a combined income of $100,000. Marriott Vacation Club Owners are not eligible for this offer. Upon tour completion, you will be contacted by a Marriott Vacation Club associate to denote your choice of one of the following premiums: 1) $75 VISA Gift Card or 2) up to 10,500 Marriott Rewards points. A $75 VISA gift card will be mailed within 72 hours of completion of telephone sales presentation. Marriott Rewards points will be posted to the appropriate account within 6-8 weeks following attendance at the sales presentation. For details about Marriott Rewards, please refer to MarriottRewards.com. Only one gifted Marriott Vacation Club Direct tour per individual or per couple, if married. Customers that have a reservation to travel on a marketing package within the next 60 days will not be eligible for this offer. Purchaser with a contract pending, on hold, or contract cancelled in last 90 days with Marriott Vacation Club, is not eligible for this offer. Total retail value of this offer is up to $75. Gift card is not redeemable for cash and may be subject to expiration. Sales presentation will be confirmed prior to phone call. Offer subject to change without notice. Expiration date is 9/9/09. Offer not valid in conjunction with any other promotional offer. Offer is non-transferable. Marriott Ownership Resorts, Inc. is the developer, equal opportunity credit lender, and a subsidiary of Marriott International, Inc. Features, furnishings and amenities may be proposed and are subject to change.



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August 31, 2009

Consumer Reports [with Buying Guide $20.49 Save a extra 15% F/W cash back and 15% Code

Rating: 0 Posted By: Butcherboy
Views: 3 Replies: 0

LINK

15% off Most Titles. w/ Coupon PXSS96 exp 9/7/09

Save 30% off of best deal sale price of $20.49



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August 31, 2009

Could some of you world travelers list cheap in country airlines once a person gets to asia or europe etc

Rating: 0 Posted By: JokrsWld
Views: 14 Replies: 0

what I am interested in are cheap airlines once you get to asia etc you could take to see other parts of the country cheaply



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August 31, 2009

Reducing Student Loans

Rating: 0 Posted By: theproman23
Views: 92 Replies: 4

Figured I would ask the experts for some advise.

I am almost done with my MBA and currently have student loans in the area of 60K. I have about 17,000 at about 3.75% fixed (consolidated) about 10 of it is unsubsidized and the rest subsidized. The rest of the 40K or so is at 6.80% and thinking back on it now I did the dumb thing when I reached grad school. I wanted to do the right thing and get the 40K I had under my dad’s name paid off, especially because he just lost his job and I didn’t want him to be burdened with it if anything happened to me. (at a rate of about 4%, about 30K unsubsidized and the rest subsidized, again these were consolidated as well).

Now the problem I am running in to is that I have these new grad loans of roughly 40K at 6.80% fixed which obviously is pretty high considering the current rate market. I work a full time job and make about 52K a year I am going to start paying a student loan pmt of roughly 400$ starting next August.

Is there anyway at all I can reduce the interest rate on the 40K I took out for grad school?? Someone said I could do it through Sallie Mae but I am having trouble finding details on it. Any and all advise that can be offered will be very much appreciated. Thank you in advance for your help.



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August 31, 2009

Canon EOS 7D Pre-order at Amazon – $1,700

Rating: 0 Posted By: brandnew
Views: 54 Replies: 2

Just confirmed/announced and available at Amazon.com! No release date given yet, but this confirms the recent rumors of a 1.6x crop with 18MP, Dual DIGIC 4, 8fps, and ISO 100-6400. More specs available at Amazon and DPreview:

Amazon.com Pre-Order

DPreview Canon EOS 7D Preview

$1,699.99

Body material Magnesium alloy
Sensor * 22.3 x 14.9 mm CMOS sensor
RGB Color Filter Array
Built-in fixed low-pass filter (with self-cleaning unit)
19 million total pixels
18 million effective pixels
3:2 aspect ratio
Image processor * Dual DIGIC 4
A/D conversion 14 bit
Image Sizes ( Still) * RAW
5184 x 3456
3888 x 2592
2592 x 1728
JPEG
5184 x 3456
3456 x 2304
2592 x 1728
Image Sizes (Movie) 1920 x 1080 (29.97, 25, 23.976 fps)
1280 x 720 (59.94, 50 fps)
640 x 480 (59.94, 50 fps)
File formats (Still)

JPEG (EXIF 2.21) – Fine / Normal
RAW
M-RAW
S-RAW
RAW + JPEG
M-RAW + JPEG
S-RAW + JPEG
File formats (Movie) MOV (Video: H.264, Sound: Linear PCM)
Lenses Canon EF / EF-S lens mount
1.6x field of view crop
Dust reduction EOS integrated cleaning system with fluorine coating
Self-cleaning sensor unit (filter in front of sensor vibrates at high frequency at start-up and shutdown – can be disabled)
Dust Delete Data – Data from a test shot is used to ‘map’ dust spots and can be later removed using Canon DPP Software
Auto focus* TTL-CT-SIR CMOS sensor
19 cross-type AF points (f/2.8 at centre)
Center point additionally sensitive with lenses of F2.8 or faster
AF working range: -0.5 – 18 EV (at 23C, ISO 100)
Focus modes One shot AF
AI Servo AF
AI Focus AF
Manual focus
AF point selection

Auto : 19 point
Manual : Single point/ Spot/ AF point Expansion/ Zone
AF Lock Locked when shutter button is pressed half way in One Shot AF mode or AF-ON button is pressed
Predictive AF Up to 8 m
AF assist Stroboscopic flash
AF microadjust +/- 20 steps
Adjust all lenses by same amount/individually adjust up to 20 lenses
Metering* TTL full aperture metering with 63 zone Dual Layer SPC
Metering range: EV 1 – 20 EV
Metering modes*

Evaluative metering (linked to all AF points)
Partial (9.4% at center)
Spot metering (approx. 2.3% at center)
Center-weighted average
AE lock Auto: One Shot AF with evaluative metering
Manual: AE lock button
Exposure compensation* +/-5.0 EV
0.3 or 0.5 EV increments
Exposure bracketing +/- 2.0 EV
0.3 or 0.5 EV increments
Sensitivity *

Auto ISO (100-3200)
ISO 100-6400 in 0.3 or 1.0 EV increments
H (12800) expansion
Shutter Focal-plane shutter
30 – 1/8000 sec
0.3 or 0.5 EV increments
Flash X-Sync: 1/250 sec
Bulb
Aperture values 0.3 or 0.5 EV increments
Actual aperture range depends on lens used
White balance Auto
Daylight
Shade
Cloudy
Tungsten
White Fluorescent light
Flash
Custom
Kelvin (2500 – 10000 K in 100 K steps)
WB bracketing +/-3 levels
3 images
Blue / Amber or Magenta / Green bias
WB shift Blue (-9) To Amber (+9)
Magenta (-9) to Green (+9)
Picture style Standard
Portrait
Landscape
Neutral
Faithful
Monochrome
User def. 1
User def. 2
User def. 3
Custom image parameters Sharpness: 0 to 7
Contrast: -4 to +4
Saturation: -4 to +4
Color tone: -4 to +4
B&W filter: N, Ye, Or, R, Gvan
B&W tone: N, S, B, P, G
Image processing

Highlight tone priority
Auto lighting optimizer (4 settings)
Long exposure noise reduction
High ISO noise reduction (4 settings)
Auto correction of lens peripheral illumination (vignetting)
Color space sRGB
Adobe RGB
Viewfinder * Eye-level pentaprism
100% frame coverage
Approx. 1.0x maginification
Eyepoint: 22 mm
Fixed (Transmissive LCD screen)
Dioptric adjustment: -3.0 to +1.0 diopter
Mirror Quick-return half mirror (transmission:reflection ratio 40:60)
Mirror lock-up (once or multiple exposures)
Viewfinder info *

AF points
Focus confirmation light
Shutter speed
Aperture value
ISO speed (always displayed)
AE lock
Exposure level/compensation
Spot metering circle
Exposure warning
AEB.
Flash ready
High-speed sync
FE lock
Flash exposure compensation
Red-eye reduction light
White balance correction
CF card information
Monochrome shooting
Maximum burst (2 digit display)
Highlight tone priority (D+)
Grid
Dual Axis Electronic level
LCD monitor 3.0 ” TFT LCD
920,000 pixels
100% coverage
160 viewing angle
Coating : Anti-reflection and Solid Structure
LCD Live view

Live TTL display of scene from CMOS image sensor
100% frame coverage
30 fps frame rate
Real-time evaluative metering using CMOS image sensor
Best view or exposure simulation
Silent mode
Grid optional (x2)
Magnify optional (5x or 10x at AF point)
Three AF modes – Live mode/Quick mode/Face Detection
Histogram
Remote live view using EOS Utility 2.0 (via USB or WiFi/Ethernet using WFT)
Record review Off
On (histogram via INFO button)
Display mode same as last used Play mode
Playback modes

1. Single image with exposure, file number, storage slot
2. As 1 but also image count and quality
3. Detailed exposure information, thumbnail and luminance histogram
4. Less detailed exposure info., thumbnail, luminance and RGB histograms
Playback features Optional blinking highlight alert
Optional AF point display
Magnified view (up to 1.5x – 10x)
2×2 or 3×3 thumbnail index
Delete / Protect
Flash* Auto pop-up E-TTL II auto flash
FOV coverage up to15 mm (27 mm equiv.)
Guide number approx 12 m (ISO 100)
Cycle time approx. 3 sec
Flash compensation +/-3.0 EV in 0.3 or 0.5 EV increments
X-Sync: 1/250 sec
External flash

E-TTL II auto flash with EX-series Speedlites
Wireless multi-flash support
PC Sync
Shooting modes *

Auto
Creative auto
Program AE (P)
Shutter priority AE (Tv)
Aperture priority AE (Av)
Manual (M) Stills and Movie
Custom settings 1
Custom settings 2
Custom settings 3
Drive modes

Single
High-speed continuous
Low-speed continuous
Self-timer: 2sec + remote, 10sec + remote
Burst buffer * Approx. 8 fps (speed maintained for up to 126 JPEGs (with UDMA card), 15 images (RAW))
Orientation sensor Yes
Auto rotation On (recorded and LCD display)
On (recorded only)
Off
Custom functions * 27 Custom Fubctions with 70 settings
Menu languages

English
German
French
Dutch
Danish
Portuguese
Finnish
Italian
Norwegian
Swedish
Spanish
Greek
Russian
Polish
Czech
Hungarian
Romanian
Ukrainian
Turkish
Arabic
Thai
Simplified Chinese
Traditional Chinese
Korean
Japanese
Firmware User upgradable
Portrait grip Optional BG-E7 Battery Grip
Optional WFT-E5 Wireless File Transfer Grip
Connectivity

USB 2.0 Hi-Speed
Video output (PAL/ NTSC)
HDMI connector
N3 type wired remote control
PC Sync flash terminal
External microphone (Stereo mini jack)
Communication terminal on base for WFT-E5

Storage
Compact Flash Type I or II
Supports UDMA and Microdrive cards
External storage via optional WFT-E5
Power Lithium-Ion LC-E6 rechargeable battery (supplied & charger)
CR1616 Lithium battery (date/time backup)
Optional AC adapter
Wireless connectivity
(optional WFT-E5) Mounts on base of camera and also acts as vertical grip
Has its own BP-511A battery
Wireless 802.11b / 802.11g
Wireless security: WEP, TKIP/AES, WPA-PSK, WPA2-PSK
Wireless methods: Infrastructure or Ad Hoc
Wired ethernet (100 Base-TX)
Transfer: FTP, PTP (remote control by computer), HTTP (view / remote fire)
USB host capable: External hard drives, flash drives
USB comms: GPS devices (records coordinates and altitude in image header)
Dimensions 148 x 111 x 74 mm (5.8 x 4.3 x 2.8 in)
Weight * No battery: 820 g (1.8 lb)



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August 31, 2009

Benihana Kid’s Club- Free Mug WYB Kid’s Meal

Rating: 0 Posted By: MsJAP
Views: 12 Replies: 0

This is part of a contest to name their new kid’s club:

“Benihana is launching a Childrens Club just for kids 12 and under!

Simply fill out the form below with the childs name, birthday and address. Well send them a special postcard that they can bring into any participating Benihana during the month of their birthday for a FREE souvenir mug of their choice with the purchase of any Childrens meal.”

http://www.benihana.com/childrensclub



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August 31, 2009

Buffalo 500GB DriveStation w/ TurboUSB/FireWire External Hard Drive – HD-CE500U2 eCOST $67.99 + $11.49 shipping

Rating: 0 Posted By: dbphillips
Views: 64 Replies: 0

Link

Refurb without FW for $41.99 (what I was originally posting, but hardly worth it after finding the one above):

Link



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