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Mazda3 Lease Questions
bvdj84 Posts: 1,721It seems like they are not truly honoring the sale price. Your payment should be that without the $2,000 down! They are making it seem like they are giving you a good sale price, but your $2,000 bumps it back up.
Be careful! Great car though... what color are you going to pick? I love the pearl white! -
dcho Posts: 5I just came from the dealership. For a 2010 Mazda 3 GT Sedan with MT and Moonroof/Tech package on a 36/12 lease, I was quoted a residual of 59% of MSRP with a MF of 0.00241, no money down with a drive off of 781. Negotiated price of 23,181 which comes out to about 379 a month. Any thoughts on whether this is a good deal?
CarMan@Edmunds Posts: 38,515
CarMan@Edmunds Posts: 38,515Hello nycarguy2. Here's the information that you're looking for. Mazda's current buy rate lease money factor and residual value for a 36 month lease of a 2010 Mazda3 s Sport with 12,000 miles per year are .00241 and an amazing 65%, respectively. The numbers for an otherwise identical lease of a '10 Mazda3 s Grand Touring are .00241 and 61%.
Prices Paid: Buying & Leasing Experiences Forum -
CarMan@Edmunds Posts: 38,515
CarMan@Edmunds Posts: 38,515Here you go, amvb_nyc. Mazda's current buy rate lease money factor and residual value for a 36 month lease of a 2010 Mazda3 i Sport with 12,000 miles per year are .00241 and 64%, respectively. The numbers for an otherwise identical 39 month lease are .00231 and 61%.
If you were to lease this car with only 10,000 miles per year, its residual values would be 1% higher.
Prices Paid: Buying & Leasing Experiences Forum -
amvb_nyc Posts: 3Thanks Car Man.
I visited the dealership last Friday and I negotiated a price of $216 a month for 39 months and 10k miles. This is with $1800 cash due at signing which includes all taxes, bank fees, etc. Is this a good deal? For a car with an MSRP of 17495 I feel like this price is still high. -
dfwguy2 Posts: 2This is my first time leasing a car, and I'm trying to make an educated decision. I'm looking to lease a Mazda 3 I Touring w/ the exctra speakers/Moonroof package.
For a 15k mile/year lease:
-One dealer is offering residual value of 52% of sticker with a MF of .00083, and a monthly payment of $285 with no money down (first payment only)
-The other dealer is offering residual of 61% of sticker with a MF of .00241, and a monthly payment of $272 with $1,700 down (plus first payment)
Car Man, do you have any advice? What are June resid and MF for this model? Do these numbers seem off?
Thanks! -
khanection Posts: 12
kingpcgeek Posts: 985
ad79 Posts: 4Here is the offer I received via email -
Grand Touring package with manual transmission listing for $23565 and selling for $22092. To lease this vehicle with minimum out of pocket for first payment and in fees ($750) is $367 to $371 per month, oac. With automatic transmission it sells for $22745 and leases for $371 to $375 per month.
I don't think this is a good offer. What do you guys think? -
khanection Posts: 12i'm also looking at the 2010 GT AT with all packages. If it will cost me $375 i'd rather pay $50 extra per month and try getting a Lexus IS 250 AWD with Luxury for that price...
Someone in the Lexus IS forums got the IS for $411 per month with nothing out of pocket... but they put down MSD which is sort of like a deposit...
375 is high for the Mazda IMO... sounds like you haven't negotiated yet...? -
CarMan@Edmunds Posts: 38,515
CarMan@Edmunds Posts: 38,515Welcome dfwguy2. Since you are new to the world of leasing, you definitely should check out the following informative articles that are available here at Edmunds.com prior to visiting any dealers: 10 Steps to Leasing a New Car and Calculate Your Own Lease Payment.
In short, the best way to negotiate a lease (at least in my opinion) is to negotiate the lowest possible selling price on the vehicle that you are interested in and then have the dealer calculate your monthly payment using its buy rate lease money factor. Mazda's July buy rate lease money factor and residual value for a 36 month lease of a 2009 Mazda3i Touring with 15,000 miles per year are .00039 and 50%, respectively.
Prices Paid: Buying & Leasing Experiences Forum -
banshee24 Posts: 3I was offered a Mazda 3 i Touring with the sunroof/Bose package with a residual of 57% and money factor of 4% $1500 cash down plus $2000 for my trade. 42 Months 12,000 miles a year payments are 211 a month that is inlcuding tax. Is that a good deal? I hate spending money and I get nervous everytime I make a big purchase.
kingpcgeek Posts: 985Can't tell you what kind of deal it is because you did not include the selling price of the car. Also a general rule is that you don't lease longer then the warranty, so in the case of a Mazda 36/12.
You do not want to put that much money ($3,500) down on a lease. Perfect explanation why from leasecompare.com:
Because you pay for the use of a vehicle during a lease, you should put as little money down as possible, up front. Although putting money down can lower your lease payments (by reducing your capitalized cost) in most cases it cannot be regained in the event of early termination due to a loss.
For example, a customer once leased a Toyota 4Runner and put $3,000 down as a cap reduction. Five months later the vehicle was totaled in an accident. The client's insurance paid its portion of the lease payoff and Gap Insurance paid the balance. Our client walked away with only paying his insurance deductible but he did not get reimbursed for his initial down payment of $3,000. It was lost.
The moral of this true story is to put as little money down as possible,ideally no money down. Here are some other things to consider:
- Money down is taxable
- Take the money you would have put down and invest it
- Put your down payment in a savings account and use a portion each month to help make your lease payment -
tbrouillard Posts: 2I have a 2008 Nissan Sentra Spec V lease that is up in October. I am looking to terminate the lease this month to get into either a mazda 3 hatchback sport with moon and tech package or a gt base model. I have $1850 in excess milage on the sentra and 3 remaining payments at $350/payment. I am looking for the current money factor as well as residual so I can figure out which dealer is giving me the best deal. Also, I am looking to do this with just 300 down. Can you tell me if this is possible on either models and if so, what can I expect to be paying with the above criteria. Thanks!
igozoomzoom Waleska, GeorgiaPosts: 797Let's deal with one issue at a time....
Current Lease
You're $1850 over in mileage on the Nissan and you have three months left on the lease @ $350 per month. So if you turned the car in today, you'd end up paying $2900. Not a good thing!
Do you know the residual value of the Nissan (established in the lease contract)? I'm just thinking that you might be better off buying the Nissan for that price rather than paying for the excess mileage. Residual values on leases are usually low-balled somewhat to bump the monthly lease payments up a bit. I would check the contract to see what the Residual Value figure is, then check on Edmunds (and KBB) to see how much the car is actually worth.
Turning it in early- are you wanting to do this because the excess mileage cost for the next three months will be greater than the $1050 in payments? If not, you really should hang on to it until the lease is up.
Current Mazda Lease Specials- the only lease special I currently see is on the 2010 Mazda3 s Sport 5-door Automatic (w/ no other options). It's a 42 month lease, $279 per month, $0 due at signing, 12k miles per year (42k over the term of the lease) and $0.15/mile overage.
Buying vs. Leasing- are you sure that leasing your next vehicle is a better choice than buying it? Will you end up having excess mileage on the next car, too? If you drive more than the typical 12-15k per year allowed, buying is almost always the better choice!
Mazda is currently offering 3.9% APR for 60 months on the Mazda3. $22k financed for 60 months at 3.9% would be $404 per month.2015.5 Volvo S60 T6 Drive-E Platinum, 2012 Mazda CX-9 GT -
tbrouillard Posts: 2I got a quote from a dealer that is a 2010 mazda 3 sport rolling over excess mileage and early termination for $370/month with only $300 down. This is the 42 month lease with 15,000 miles per year. Nissan has a program where they will pay the remaining 3 months of the lease if you turn it in early and lease with them again. What do you think about the mazda lease quote? I think that it is fair based on my conditions. Besides, if I go with a nissan, I can only get a base altima or rogue for the same payments when in reality im looking for something more sporty such as the 3
qbrozen Posts: 17,838Ouch. I hope 15k is enough for you. $370/mo to rent an economy hatch is alot of money. You don't want to keep digging your hole deeper. So as long as you will keep this the full term and not go over the miles, and if you absolutely must have a new car, then it is what it is. Good luck to you.
'14 CTS Vsport; '15 Fit LX 6-spd; '98 Volvo S70 base; '14 Town&Country Limited
liiveri Posts: 4I drove this off the lot yesterday...iTouring w/Bose and Moonroof. What do you think of this lease deal?
Price = $18,995 + $595 acq fee
Term = 36 mo/12K miles
Residual = 60% ($12,300)
Money Factor = 0.00179
I paid the ACQ fee up front so adjusted cap = $18,995
My monthly payment = $242
Thanks for your help,
Eric -
buzz55 Posts: 12010 Mazda 3 S Hatchback, automatic, moonroof/Bose
Is either/both a good deal? Which is the better deal?
Sales price $19,911 plus $1,424 tax/tags = $21,335 out the door
Buy/Finance $21,335 @ 3.9%/60 month (std current Mazda 3 financing) = $391.96/mo
Lease 36 mos/ 10,000 miles/year; $0 cash out the door, first month pmt included, 35 monthly payments of $318.71; residual $10,687.20, money factor .00050 -
kushalsherpa Posts: 3Considering to buy a Mazda 3 Sport (Manual) in NH, i was wondering if the Money Factor changes according to the dealers or state or month? What is for this month? What's the Residual value for Mazda 3 sport, 36 or 42 month lease? All i want to do is drive mazda 3s with monthly payment around $179. How much down do i have to put it in? If someone could answers these questions i would really appreciate it !
kushalsherpa Posts: 3
kingpcgeek Posts: 985Mazda's in general are not good cars to lease so there isn't much traffic here. Why don't you just ask a dealer or two what they are? They can't mess with the residual, but can bump up the MF. If the MF is the same from both you know they probably are not doing so. One problem with leasing from Mazda is that you are actually leasing from Chase, since Mazda credit doesn't write leases anymore. Banks typically have worse terms then manufacturer's credit departments.
FYI you should never lease longer then a warranty. So a 42 month lease should not be an option for you.
You also do not want to "put down" money to get to a certain payment. Perfect explanation from leasecompare.com:
Because you pay for the use of a vehicle during a lease, you should put as little money down as possible, up front. Although putting money down can lower your lease payments (by reducing your capitalized cost) in most cases it cannot be regained in the event of early termination due to a loss.
For example, a customer once leased a Toyota 4Runner and put $3,000 down as a cap reduction. Five months later the vehicle was totaled in an accident. The client's insurance paid its portion of the lease payoff and Gap Insurance paid the balance. Our client walked away with only paying his insurance deductible but he did not get reimbursed for his initial down payment of $3,000. It was lost.
The moral of this true story is to put as little money down as possible,ideally no money down. Here are some other things to consider:
- Money down is taxable
- Take the money you would have put down and invest it
- Put your down payment in a savings account and use a portion each month to help make your lease payment -
scubadoo2 Posts: 13Very good point regarding the "no down payment", however, I would like to add to your other comments. The Mazda 3 is actually a very good car to lease, especially recently. The 3 year residual is around 60% and there are few if any cars around that number any more. Also, you are correct that Chase is underwriting the lease but Mazda provides lease support in terms of residual value. It is my understanding that Mazda assumes the risk for the car being worth less than the residual. If not, I seriously doubt that any bank would be leasing cars anymore except with 30% residuals. Chase wrote off hundreds of millions a few years ago on lease residuals.
kushalsherpa Posts: 3I just got a 2010 Mazda 3i Touring, Base Pkg, Manual Trans for $0 Down, 10000 miles, 36 months lease for $189/month with $295 fee in Ira Mazda Danvers, MA. This was the best deal i could every find. After $1000 down, my payment came out to be $164/month. Even though i go over in mileage, its only 15 cents/mile.
Ira Danvers had the best deal around Mass and New Hampshire
This discussion has been closed.


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First spring scrimmage 'just OK' for Ducks
On the second play of the first spring scrimmage, Jeremiah Masoli broke a tackle in the backfield and ran 51 yards in the longest play of the day Saturday afternoon in Autzen Stadium. Four plays later, Aaron Pflugrad reached around a defender to snag a Masoli pass in the back corner of the end zone for the first of five touchdowns generated by the UO offense.
The 90-minute scrimmage was otherwise "just OK," according to coach Chip Kelly.
"There's just inconsistencies. … We're still a work in progress," said Kelly, who in his first scrimmage as head coach watched from the middle of the field, about 20 yards behind the line of scrimmage on the offensive side.
Steve Greatwood called plays for the offense from the press box.
Masoli completed 8-of-13 passes for 103 yards and three touchdowns, including two to Pflugrad.
But Kelly said Justin Roper had the edge at quarterback. Roper, who also took snaps with the first team, was 7-for-13 for 95 yard with one TD pass, one TD run and one interception (which happened on a Hail Mary pass at the end of a two-minute drill).
His touchdown pass was a 32-yard strike to Jamere Holland, who broke away from Walter Thurmond for an easy score.
"If you asked me, I thought Justin Roper played the best," Kelly said. "I thought Justin Roper was very consistent and threw the ball very well. (He) converted a big third down and drove the team down the field a couple times."
Masoli finished with 58 yards rushing on six attempts. Darron Thomas was 4-for-13 for 43 yards, with several of his throws sailing high over his targets.
"I think Jeremiah is getting better," Kelly said. "He showed up today. He's been a little inconsistent early (in spring), but he's starting to round back into shape. Again, I'm confident in our quarterbacks because I feel we have more than one that can play that position."
LeGarrette Blount gained 38 yards on 10 rushing attempts.
"He's still a ways a way," Kelly said. "And I don't think that's going to happen until after the spring and into summer, just because he needs to get back down to his playing weight. He's working as hard as he can right now, but it's not something that's going to happen over night. He's not in game shape like he needs to be, but fortunately we're not playing until September.
"Last year, LeGarrette was probably one of the top three hardest workers we had in the summer. So I don't anticipate any problems from that standpoint. He wasn't here in February so he didn't benefit from working otu with Jim Radcliffe. So that obviously shows. Hopefully we'll get him through our program in the summertime and he'll be ready to go. He's a talented kid, and when he's in shape, he's as good as there is."
Andre Crenshaw had 30 yards on nine rushes. In what appeared to be the only injury of the day, running back Remene Alston limped off the field and eventually left the stadium with what looked like a left ankle injury.
Kelly praised Pflugrad and Ed Dickson on offense, and on defense he mentioned linemen Terrance Montgomery (who led with three tackles for loss), Simi Toeaina, Brandon Bair, and linebackers Eddie Pleasant, Josh Kaddu and Dewitt Stuckey.
No score was kept for the scrimmage.


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The venue for the 29th International Cartographic Conference and 17th General Assembly is not yet decided on.
The Call for Organisers is now open! Please find all information here:
- Call for Organisers (pdf)
- Guidelines for International Cartographic Conferences and General Assemblies of Delegates
The deadline for submitting a successful bid to the Secretary-General of ICA is 15 March 2015, 24:00 GMT. Accepted bids will be made available on the ICA website after 23 March 2015.


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I just sent in my paperwork to the state and will hopefully have it back by the 1st of Aug. Currently I have a 12g shotgun and a SW .357 for home protection, but nothing I would want to carry daily.
So far I am enjoying just reading some of the issues that concern people who are packing. I will hopefully make some informed decisions when it comes time to make a choice at the gun store.


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I'm looking for a peony that's truly a coral(salmon)pink; a single petaled variety. I've seen one at our local golf course and it's simply gorgeous, but nameless. I've searched all the peony websites, but I'd rather get verification about the color from someone who actually grows the plant. Thanks much! |
Follow-Up Postings:
Here is a link to Carol Adelmans nursery in Oregon. She only has three corals on her website this year but she normally has more. Eleanor at www.etflowers.com may have some. Please be aware of two drawbacks on the corals. A third and this may be only my nose most do not have a nice fragarance. Some to me smell like rehydrated anchovies. |
Here is a link that might be useful: Adelmans peonies
- Posted by summerstar Z7VA (My Page) on Mon, May 25, 09 at 12:14
Thanks for the warning. Do you know of a good substitute that's less prone to fading? Maybe a pink variety that has some coral/salmon in it. I'm in love with the peony at our golf course so I keep looking for an answer. Makes me wonder about Coral Sunset. The description at Hollingsworth Peonies says "the color soon passes to a harmonious light beige-yellow as the flower matures. In strong sunlight it will especially display multiple colors on the same plant." Thanks for any help. |
I was there this Saturday and Coral Sunset was the one plant that most were drawn to. The flowers showed a wonderful fading from coral to a lighter beige. They were very upright in full sun. Send an email to Carol Adelman or Don Hollingsworth and ask about other corals/pinks. Carol normally has more corals than Don but Don has lots of contacts and information. |
Summerstar, I have coral charm. It fades to I think more of an apricot/yellow color but now I wish I had kept closer track of it. It does not require staking. The buds are a very beautiful, darker color. It blooms fairly early. The firt year it bloomed it was so beautiful I had to stuff my face into a flower to smell it. Maifleur is right, Oh, it smelled terrible! I don't admire it THAT closely anymore! |
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Gear Question
I don't have a place in my town to try...
I don't have a place in my town to try these boots on. I have been doing a lot of reading on boot fitment, I have read that boots will pack out 1/4 to 3/4 of a size and you should buy up to 1 size smaller to compensate for this. does anyone else do this?
Wooden Robots
Na, Forum boots are size to the average foot. Get your shoe size and you should be all good. Unless you run your shoes big. Just go to any shoe spot and measure you foot then get that size.
View More Details on Forum Kicker Snowboard Boot - Men's


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MJM Magic is no doubt the NUMBER 1 online magic store. I would definitely recommend anyone who is into magic to shop here. Thanks for the super fast...Read More ->
Hi, I'm MJM's very first customer since they started. I want to say that I shop at the other sites also, but MJM is still my favorite that I go...Read More ->


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The American Motorcycle Association Hall of Fame honors the very best of the motorsports world, but this year the nominations are carrying quite a bit of controversy, causing three members of the Hall to quit in disgust.
Sturgis Motorcycle Museum Set To Expand
Rod Bush Headed For Hall Of Fame
AMA Motorcycle Hall Of Fame Announces 2012 Nominees
The American Motorcycle Heritage Foundation (AMHF) is proud to announce the 2012 nominees for induction into the AMA Motorcycle Hall of Fame. The names of 26 individuals, each highly accomplished in the sport, business and lifestyle of motorcycling, compose the ballot from which the class of 2012 will be selected for induction into the Hall […]
AMHF To Announce Nominees As Well As Hall Of Fame Inductees
Every year, the American Motorcycle Heritage Foundation (AMHF) inducts new members into its AMA Hall of Fame, and this year, for the first time ever, the names of runners-up will also be made public. On April 2, they will announce the inductees as well as the men and women who were nominated. The Hall of […]


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Calgary, AB. Shred COP, Sunshine and Louis all the time.
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Calgary, AB. Shred COP, Sunshine and Louis all the time.
Shreddin for 8 years favorite thing to do hand down. Saggin not tight. Favorite Rider: Torstien Horgmo. Peace to the middle east !
Whenever you post a review, ask a question, or upload a sick pic or vid of you killin' it in the gear you got from Backcountry.com it gets posted here for the rest of the gurus to see. So go on, let us know what you think of all that awesome gear!
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Now we're email buddies!
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Margaret Sanger commented on the blog post Greenpeace Executes the Mother of All Petition Deliveries
Margaret Sanger commented on the diary post Marriage Questionnaire Author Stands by 1996 Obama Survey: "Obama Signed It" {update} by Teddy Partridge.
Homosexual couples are the solution to the nation's abortion problem. You don't see a lot of gay abortion clinics. Same-sex couples almost never have unwanted pregnancies. If every man and woman in America would commit to a homosexual relationship, we could virtually wipe out abortion in a generation. Let us amend the U.S. Constitution to [...]
Rev Wright's Other Disciple commented on the diary post Bigots Will Appeal Ware's Beatdown Ruling on Walker Recusal by Teddy Partridge.
Homosexuality is dangerous. It entails activities that are not only dangerous to personal health, they cannot be made safe. Some of the unsafe elements can be minimized, or lessened somewhat, but the danger cannot be removed. The unhealthy element and its consequences influence people who are not involved in the behavior itself. There's a minimalist [...]
Rev Wright's Other Disciple commented on the blog post Right-Wingers Attack Mitt Romney for His Radical Views on Science
I knew global warming…I mean global climate change was real!
With Hollywood awards and now the Peace Prize it proved it beyond a doubt!
When will the repuglathons learn that with the science of a Nobel Peace Prize global changes are real!
We need a man powered pedal plane.
Either that or one that is run by the methane he produces.
Finding scientific errors with global warming that are not validated by mainstream science…that borders on religious belief.
Al Gore is Mother Earth's prophet.
Rev Wright's Other Disciple became a registered member


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Found it ! So my brother Brian and our nephew Jake were in town the last few days, it was Jakes first time in NY and we were doing as much tourist things as possible. Also on the agenda was find the new September issue of "Freshly Inked Magazine" with my mug on the cover. We found it at the 3rd place we looked, a Barnes & Noble, they had a stack of five, so we decided to leave one. I don't know if you ever had your face on the cover of a magazine at a book store or a newsstand, but let me tell you its a pretty great feeling. I'm very thankful and happy to see some fruits of my labor, I'm blessed. Thanks again to Freshly Inked mag for letting me wear a suit, thanks to all my friends who always support me and wish me well, I'm nothing without you guys. It makes me proud to make my friends proud. We are all self made.
New Freshly Inked Magazine
July 29th, 2013 | Posted by in Artist | Celebrities | Events | Press | Tattoo - (Comments Off)The Game's Reality Show "Marrying The Game" On VH-1
July 29th, 2013 | Posted by in Artist | Celebrities | Clothing | Videos - (Comments Off)My Friend sent me this screen shot from the trailer of The Game's reality show on VH-1 called "Marrying The Game" The Game has on my "Self Made" snapback, how dope is that! Big up to the Game.
Cover Of Freshly Inked Tattoo Magazine
July 10th, 2013 | Posted by in Artist | Celebrities | Events | Photos | Press - (Comments Off)I was pleasantly surprised yesterday with a sneak peak of the September issue of Freshly Inked Magazine, set the hit stands next week. I am very pleased with the picture, and honored to be on the cover.
I always joke that the fashion world has shown more love then my own industry, and then this cover happened out of the blue. But I've always said "I don't represent tattooing, and tattooers…I represent myself, my friends, my family, and hard work" Life is more about personal relationship, then a culture or a career. Be good to people and good things happen.
One of my favorite smooth Nas songs of the past. I love Nas and his ability to tell story though his music better then most. A flow put together to make art that only some understand. Rhythm And Poetry (RAP)
Toby Morse OLOC / Beats By Dre
June 13th, 2013 | Posted by in Artist | Celebrities | Events | Friends - (Comments Off)I am Super proud to announce that One Life One Chance and Beats By Dre have teamed up for a limited head phone release on Friday June 21st at their Soho NYC store. Toby and some of us friends (including myself) will be picking the winning raffle tickets of the head phones that we are raffling off. Also Baby Cakes NYC will be there with some tasty treats (vegan) Come meet us and check out the Beats By Dre store, its gonna be a very cool events, with some surprise guests. PMA all day.
Hendricks & Wessman At Ink n' Iron Long Beach Plus RoseBook Release 2013
June 3rd, 2013 | Posted by in Artist | Celebrities | Events | Friends | Press | Trips - (Comments Off)This year my dear friend Tim Hendricks and I will be working together again at the Ink n' Iron in Long Beach on the Queen Mary. Tim and I will be doing some tattooing, saying hi to friends, and selling some of the things we sell. I will also be releasing the Rose Book that I have been working on for the last year. Please stop by and say hello, will see you guys there.
Tupac is one of the reasons I feel in love with Hip Hop/RAP in the early '90. I grew up in the struggle he spoke about, shit I identified with directly. 3 mins in on this video, on the real, aside from details of color obviously. "a hell of a job, to have to build and empire for your family" RIP Tupac Self Made Dues Paying
Best People To Follow On Instagram – Luke Wessman
May 27th, 2013 | Posted by in Artist | Celebrities | Friends | Tips - (Comments Off)I like to follow people on Instagram for a few reasons: If they are one my dear friends, I want to see what is going on with their lives, constant pictures of their dog, dinner, baby, it doesn't matter because they are a dear friend I love anything from them. Now everyone else… I like beautiful pictures, people, places, or things. I like creative captures, interesting and witty. I like beautiful women with tasteful pictures. I like cool quotes. I like good tattoos. Stuff like that. I'm just gonna do 5 this month, and do some more of my favorite's and why later.
Here is my list of some of the best people to follow on Instagram, not necessarily this order.
1.timhendricks – Great tattooer, one of the best in the world. Pictures of black and grey tattoos, but does color tattoos perfectly also. Great human. Very dear friend. (552/132k/675)
2.xmanoelxnetox – One of my favorite people in the world, positive hardcore, straight edge, vegan, gentleman, and such a amazing tattoo artist, black and gray gangster or traditional. Super Pma from Brasilia. Dear Friend. (1386/6873/166)
3.tobymorse - The best example of a human, husband, father, friend, singer (H2O) Pma, straight edge, vegan. Cool photos from at home and on tour all over the world, A lot of musicians and Nikes, also pics from schools where he speaks to youth about positive living (onelifeonechance.com) (1465/13k/82)
4.iviwolf – This woman has such a nice visual eye for a classy picture. To me, her photos are a great representation of a classy lady. I like classy ladies. Great architecture, interiors, fashion and nyc photos. I don't know her personally, although we did have a semi awkward/pleasant bump into each other meeting once as I was walking out of a store and she was walking in at the same time, we exchange pleasantries and went on our way. (4215/1461/223)
5.jasonnorton- Norton is a dear friend and is a very unique individual, with a great sense of humor, kind of his own brand of humor that grows on you the longer you know him. Amazing photos that are off from the "norm" perhaps best know for his Intersection photos. Also bull riding photos. (1243/1163/471)


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Clockwerk Wars part 16Close Call Turned Job Well Done"Alright kiddo, just make it out of there before yer found out."Tennessee was perched up on the roof of the closest building he could find that he could get a decent view of the prison from. There were plenty of barred windows, so it was easy to keep an eye on Slytunkhamen the Second and Henriette as they started making their way out. As expected, alarms started sounding out the second Henriette reached the spotlight-lit up stairway down to the second floor. They could already see a couple guards running toward them."Stay behind me, lad!" Henriette ordered, making sure she was standing between Slytunkhamen the second and the guards.The pirate tensed up a little, prepared to fight both of the guards. Just when they were preparing to shoot at Henriette, the guards were knocked down from a couple shots through the windows."How in the blazes!?" Henriette exclaimed, shocked at seeing the guards knocked down so quickly.Slytunkhamen the secon
Cooper Clan: Out of Synch part 4Part 4"I feel ridiculous.""Nonsense, ya look fine.""I doth feel very ridiculous."Tennessee had managed to scrounge up a deputy outfit for Galleth, courtesy of one of Toothpick's goons. The first step was to test how it would work in the saloon, where the majority of the armadillo's cronies hung out. Galleth seemed to be having trouble with the leather boots, continually wobbling on them. It was far different than the heavier, more sure footed suit of armor he was used to."How dost thou manage to walk in these?" Galleth asked, frustrated. "Honestly, this be far too much heel for any man's shoe.""Hey, now, don't talk down on the boots." Tennessee snapped back. "And try not to let anyone hear your funny as dancin donkey accent in here. They hear you talk like that, they'll know right away you're an outsider. Iff'in we need to talk, let me do the talkin."Tennessee led Galleth to the Saloon counter and motioned for him to take a seat while he did the same. The tender gave them both a
Cooper Clan: Out of Synch part 7Part 7Galleth felt caught.Here he was, just a mere foot from climbing out the window and someone had caught him snooping around the warden tower. He didn't even want to turn around. He knew it was Penelope who caught him. He couldn't forget her voice after everything she had already done in his own time.Yet, he knew if he did nothing, he would be caught for sure. And then his descendant would be left to take on Penelope, Toothpick, and possibly even that bird of metal all on his own. He needed to think of something fast. Just needed to keep the act up."My apologies...ma'am." He said, turning around to face Penelope. "I was assigned to guardin this here room and got curious as to what was inside."Penelope walked up to him, eyeing him almost emotionlessly."Well, now you've seen it." She told him. "So now you can go on and..."She trailed off, seeming to notice something out of place. Then she started searching frantically."My charts! My charts are missing!" She yelled.She looked
Clockwerk Wars part 7Follow the Birdy"Tennessee, don't let them out of your sight. And pay close attention to where they're going."Tennessee grinned as he listened to Penelope's advice. (He didn't like thinking of them as "orders" like Galleth seemed to.) Following the two Clockwerks would be easy enough. Unless he was forced to follow through open desert, anyway. But given that the city in itself was a large place, he wasn't too worried about that."Low down, kidnappin son of a rattlesnake won't even know I'm here." The outlaw confirmed quietly, proceeding to follow the two birds from the rooftops.It felt to him like they were going all over the city, either due to the outlaw's over-activeness or due to the possibility of the Clockwerks moving everywhere on purpose to confuse whoever would follow. He had to fight to keep from laughing all the times they would look behind them in such a paranoid way. All crooks seemed the same. Never bothered to look up.He especially had a hard time keepi
Clockwerk Wars part 13Pirate arrestedEveryone at the port docks gasped in shock when they saw Henriette roll forward out of the crate and stand up on her feet, looking out at everyone in the crowd. She smirked a little, seeing how stunned and silent everyone had gone. Except of course for the commodore, who tossed the lid of the crate aside as he angrily got to his feet."Well, this be quite a pleasant meeting." Henriette remarked. "Mighty kind of ye all to help loosen the lid of that crate. If yer willin to be any more neighborly, perhaps ye could help me with these ropes as well?""Don't think that will be happening any time soon, pirate!" The commodore shouted, storming up in front of her.Henriette looked down at the frog curiously."Do I know ye?" She asked."Hmph! I'd be insulted if you didn't." The Commodore huffed. "There's not a pirate alive who doesn't fear my name. After all, there is none who has ever escaped an encounter with me."The frog snapped his fingers to call up his guard


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text: What a great place to rest your weary GAP riding bones! On our way from Pittsburgh to Cumberland my wife and I were lucky enough to experience Lenora's down home family reception as we pulled up to register. Lenora met us on the front porch with a cool drink and some homemade cookies. Our room was perfect for our needs... More


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I want to scope my 22 rifle any ideas under 100-150
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Leupold VX-I 2-7X33mm duplex reticle, part number 56550. May be to the top end of your budget but it is a real nice piece of glass. Their warranty is unbeliveably good.
I've shot .22 and .204 with a Simmons Aetec from 50-190 yards and it was quite accurate. I'm sure its not the best scope available and I wouldn't take it on a hunting trip but for plinking it's great.
"Good people drink good beer." Hunter S. Thompson
Thanks for the help guys I'll check them out
A couple other relatively inexpensive options are the Bushnell Banner and the Nikon Prostaff. I have 3X9X40s on a couple of my 22s.
I have 3 .22's, and all of them have Bushnell 3X9 variables on them. Work perfectly, for about $99 bucks.
There are many different options out there for you. You should go look at Quality optics and accessories from Leupold, Bushnell, Burris, Nikon and more! they have the most complete line up of scopes on the web....


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Sat, Oct 12, 13 at 1:43
On a food related note, on October 12, (tomorrow) there are world wide Monsanto protests going on. I know there is one in Boulder, Denver and CO springs. I'm pretty sure they start at 11:00 am. I'm going to the one in Denver. We are marching to demand a ban or at least labeling on GMO foods. Depends who you ask I guess. Anyways, I just wanted to let everyone know in case you would like to join! ~Cat |
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We started on the capital steps. We marched through downtown with police escort beating drums and chanting. Made some noise for the cause. Good times had by all! ~Cat |
Oh, good for you! That's awesome - I despise Monsanto and wish I'd seen this in time to be a part of it. Good work! |
There was maybe 400 people. I guess they did one in May that was 2000-3000 people. Look for one in the spring. There is a facebook environment page that I follow. That's where I heard about it. |
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(Updates with Daiwa earnings in the second paragraph.)
Oct. 28 (Bloomberg) -- Nomura Holdings Inc. may report its first loss in 10 quarters next week as Japan's biggest brokerage and rival Daiwa Securities Group Inc. join U.S. banks in seeing trading and investment banking income erode.
Nomura will probably post a loss of 35 billion yen ($461 million) for the three months ended Sept. 30, according to the average estimate of seven analysts surveyed by Bloomberg. That compares with a 1.1 billion-yen profit a year earlier. Tokyo-based Daiwa today said its second-quarter loss widened to 19.4 billion yen, the third in a row and more than four times bigger than 4.2 billion yen it lost a year earlier.
The brokerages aim to pare costs as the global economy slows and Europe's debt crisis continues, with Daiwa today saying it will cut more than 300 jobs overseas. Nomura Chief Executive Officer Kenichi Watanabe, who has expanded abroad for three years, may focus on advising Japanese clients on takeovers, Japaninvest Group Plc's Shiro Yoshioka said.
"It's crucial to form a strategy to bolster revenue rather than just cutting costs," said Yoshioka, an analyst at the London-based Japaninvest brokerage in Tokyo who recommends buying Nomura stock. "Takeovers may provide a beam of hope, as Japanese companies are seeking assets abroad because of the stronger yen and following the record earthquake" in March.
Wall Street Woes
JPMorgan Chase & Co., Bank of America Corp., Citigroup Inc., Goldman Sachs Group Inc. and Morgan Stanley posted their worst quarter in both trading and investment banking since the depth of the global financial crisis. Corporate clients put off fund- raising plans and investors sold riskier assets, pushing the firms' shares lower by an average 30 percent this year.
Nomura, which bought Lehman Brothers Holdings Inc.'s Asian and European businesses in 2008, has tumbled 39 percent on the Tokyo Stock Exchange this year and reached a 37-year low on Oct. 5 on concern that its global expansion is faltering. The firm is scheduled to announce earnings on Nov. 1 at 3 p.m. local time.
"We have concerns that Nomura's overseas business won't be able to contribute to revenue in future when the market deteriorates further," said Maki Hanatate, a Tokyo-based senior credit officer at Moody's Investors Service. In domestic operations, "Nomura has a chance to boost its revenue from cross-border acquisition advisory," she said.
Daiwa Job Cuts
At Daiwa, Japan's second-largest brokerage, trading profit fell to 14.9 billion yen last quarter from 34.2 billion yen a year earlier, the company said in its earnings statement today.
Underwriting fees declined to 4.8 billion yen from 5.3 billion yen, while brokerage commissions gained to 10.2 billion yen from 9.6 billion yen. Daiwa said it will cut 100 jobs in Asia to 1,100. In Europe, it will trim payrolls by 200 to 700.
Shares of Daiwa have fallen 32 percent this year, more than the Topix Index's 14 percent drop. They closed 1 percent lower at 286 yen today before the earnings announcement. Nomura rose 2.3 percent to 316 yen, joining a global rally after European policy makers announced measures to contain the debt crisis.
Trading profit at Nomura probably fell to about 43 billion yen for the quarter from 103 billion yen a year earlier, according to Tatsuo Majima, a Tokyo-based analyst at Tokai Tokyo Financial Holdings Inc. who rates the stock as "neutral." Investment banking fees slid to about 13 billion yen from 24.9 billion yen, he said.
Keiko Sugai, a Tokyo-based spokeswoman for Nomura, declined to comment on the analysts' estimates.
Wooing Retail Clients
The Japanese firm's retail business probably fared better last quarter, according to Tokai Tokyo, which estimates brokerage commissions rose 4.2 percent to 87 billion yen.
To attract retail customers, Nomura will add a branch in Yokohama next month, increasing its national network to 178, the largest in its 86-year history, the brokerage said Oct. 25. The firm also plans to stop charging account maintenance fees to individuals from next month, it said Sept. 30.
Nomura is preparing to shed as many as 400 jobs, mainly in Europe, to stem losses, two people with knowledge of the matter said in September. The company said in July that it plans to cut expenses at its wholesale unit by about $400 million annually.
Trimming jobs and expenses abroad before the firm's Lehman investments bear fruit is "a pity" because it may hamper revenue, Japaninvest's Yoshioka said.
Takeovers involving Japanese companies have climbed to $148.6 billion this year, surpassing the $108 billion total for last year, according to data compiled by Bloomberg.
Nomura is ranked second among advisers in Japan for deals announced this year, after it ceded the top spot to Goldman Sachs Group Inc., the data show. Nomura is the top adviser on deals involving Japanese companies making acquisitions abroad.
While M&A deals are surging, share sales have plunged this year as companies shun the equity market following the earthquake and tsunami. Japanese equity and equity-linked offerings totaled 1.46 trillion yen this year, less than a third of the 4.97 trillion yen raised in all of 2010, the figures show.
Nomura is ranked first among managers of those offerings, while Daiwa is second, Bloomberg data show.
--With assistance from Shingo Kawamoto in Tokyo. Editors: Russell Ward, Chitra Somayaji
To contact the reporter on this story: Takahiko Hyuga in Tokyo at firstname.lastname@example.com
To contact the editor responsible for this story: Chitra Somayaji at firstname.lastname@example.com


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The Louis J. Battan Author's Award - K-12
The procedure for Awards nominations is restricted to electronic submissions, unless stated otherwise. The nominator is responsible for uploading the entire nomination package. Most awards require the following: nomination letter, nominee Curriculum Vitae, bibliography, and three (3) letters of support. Please allow sufficient time prior to the deadline to gather all required files.
The Louis J. Battan K Award Committee has the responsibility to select and submit to the Council the names of individuals nominated for this award. All nominations should be submitted by 1 May 2015. The nominees for most awards remain on the committee's active list for three years. Read More
The Louis J. Battan Author's Award - K-12 is presented to the author(s) of outstanding, newly published learning materials or books that foster the understanding of atmospheric and related sciences in K-12 audiences. Nominations are considered by a committee of the Education and Human Resources Commission, which makes recommendations for final approval by AMS Council.


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The Indian Regional Navigational Satellite System (IRNSS-1A), the country's first navigational satellite, is expected to start its navigation payload testing in a week, Indian Space Research Organisation (ISRO) chairperson Radhakrishnan said. He was delivering the 48th annual convocation address at Bangalore University (BU) here on Thursday.
Covering an area of 1,500 km around the Indian mainland, it will render two services: the standard positioning service for civilian use, and the restricted service for authorised users. "Once the navigational satellite's payload testing is done, it will help in the country's strategic decisions."
Dr. Radhakrishnan added that ISRO was also gearing up for the launch of the Geosynchronous Satellite Launch Vehicle (GSLV- D5) in August, which would be "a culmination of two decades of efforts".
On India's first Mars Orbiter mission, set to be launched in October–November, Dr. Radhakrishnan said: "We need to negotiate many technological challenges. It is a voyage of nearly 300 days with a distance of 400 million km. If successfully executed, this mission will place India among three countries that have achieved this rare feat."
Honorary doctorates
The former Union External Affairs Minister and Chief Minister S.M. Krishna, Shivakumar Swami of Siddaganga Math (Tumkur), singer B.K. Sumitra, former cricketer Gundappa R. Vishwanath, Chief Income Tax Commissioner K. Sathyanarayana, Sanskrit writer Vanitha Ramaswamy and former ISRO chairperson U.R. Rao were conferred honorary doctorates during the convocation.
Keywords: IRNSS-1A navigation satellite, Indian Space Research Organisation, ISRO, Geosynchronous Satellite


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Saw this funky thing in my garden...can you guess which plant it belongs to?
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- Posted by shrubs_n_bulbs z8/9 UK (My Page) on Thu, Aug 11, 05 at 8:11
That reminds me, have you seen War of the Worlds yet :) |
I give up. What is it? |
- Posted by RosemarieRo z11/24 So Calif (My Page) on Thu, Aug 11, 05 at 21:10
Abutilon theophrasti? Or some type of Malva? |
It's the fruit from Illicium floridanum. Rosemarie, did I really stump you???! |
Here is a link that might be useful: Pix of dried Illicium floridanum fruit
- Posted by RosemarieRo z11/24 So Calif (My Page) on Thu, Aug 11, 05 at 21:54
Yes indeed you DID, Joyce!!! :D I don't believe I've ever seen that plant. Mighty interesting! Thanks for the mystery! ~Rosemarie |
Rosemarie, just found the pic of the shrub before I planted it... Check out the blossoms! |
- Posted by RosemarieRo z11/24 So Calif (My Page) on Mon, Aug 15, 05 at 23:18
Oh WOW! I'm going to have to GET one of those! It's beautiful, Joyce! Where DO you find these treasures?! ~Rosemarie |
I found this one at a Garden Center about an hour away (west) called Roslyn Nursery. You can find them online too. You can also order this one from Wayside Gardens, which is also offering it in it's new variegated form. One thing I must say, my Illicium has doubled in size since I bought it in early summer. Also, mine gets full sun in the morning, and shade after 12:30-ish. |
Here is a link that might be useful: Roslyn Nursery
- Posted by RosemarieRo z11/24 So Calif (My Page) on Tue, Aug 16, 05 at 11:40
Thanks for all the info, Joyce! I'll check it out! ~R |
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Several companies brew, bake and freeze their products at the LIC space
Mike Schwartz, the co-founder of Organic Food Incubator and Bad Ass Organics, outside his Long Island City kitchen.
Ariel Glazer, founder of Kombrewcha, tests a new batch of tea on Friday afternoon.
Co-founder Louis Songor stirs a kettle at the Organic Food Incubator for a line of cocktail mixers for the startup Cocktail Crate.
The incubator's new snazzy piece of machinery allows employees to bottle 2,000 beverages an hour.
Queens Chronicle's seventh annual Holiday Photo Contest!
A grand slam in the dead of winter
Photos taken at the second annual Queens Baseball Convention at McFadden's bar within Citi F…
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