The manufacturing of the Toyota Land Cruiser began in nineteen fifty four Cheap Allen Iverson Jersey , a four wheel drive car which was much in-line with a Jeep. The first generation of the cruiser began in nineteen fifty one, but wasn’t yet named the Land Cruiser. The Jeep BJ prototype was firstly developed, a huge military utility vehicle which was highly powerful. In the summer of the identical year the Jeep BJ showed an impressive feat by driving up to the 6th stage of Mt Fuji, which impressed the National Police Agency who ordered near to three hundred of the cars. In nineteen fifty four the automobile was named the Land Cruiser, a name which was meant to be more commercial to compete with the kind of the Land Rover.

The second ran from nineteen fifty five to nineteen sixty Cheap Joel Embiid Jersey , and was more focused at the export market for civilians. The Jeep like car was made easier to drive, and the body was also made more elegant. The late fifties also saw the first cruisers also being produced outside Japan, with the FJ-25 being manufactured in Brazil. The motor car was also exported down under for working on mines, the construction of dams, and various harsh terrains. The third generation began in nineteen sixty Cheap Philadelphia 76ers Hats , with the late sixties and early seventies being successful times for the vehicle which worldwide sales accelerating.

The modern day land cruiser is a SUV, popular in the United States of the United States. The 200 series was a facelift version of the car, which shared the same platform as the Lexus SUV. The redesign of the automobile was welcomed by a few who believe the facelift drastically modernises the automobile. Not everyone was best happy with the many changes yet, who used the same point to argue the car has lost its roots and become too modernised, losing its true identity.
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Credit Card Finance Charges Defined
Posted by nick_niesen on October 29th, 2010

If a consumer carries a balance on their credit card beyond a single billing cycle, they will be charged for it. This is called a finance charge and is associated with the APR on the consumer''s account. The amount charged will be affected by the card''s APR, how the card was used Cheap Philadelphia 76ers Shirts , and how much was charged. It is important to know that rates, even on Low Interest Credit Cards, vary according to how a credit card is used, so a new purchase will have a different APR than a cash advance or balance transfer.

Credit cards can be a bit overwhelming, and the fees associated with them are understood by very few people who use them. This can be dangerous can lead some people into a debt spiral that can be very difficult to get out of. Although creditors should be clearer when presenting their services Cheap Philadelphia 76ers Jerseys , it is the consumer''s responsibility to do the necessary research before entering in to any kind of financial agreement. One of the more confusing aspects of credit cards is how interest is calculated.

The two most common methods of calculating credit card interest are:

The Two Cycle Average
The Average Daily Balance

The Two Cycle Average:

This is the most common method used to calculate credit card interest, and not surprisingly it is the most complicated. Interest is calculated by taking an average of the amount charged to an account by the number of days in the current and previous billing cycle.

A good example would be if during the current billing cycle, the consumer has $500.00 carried over from the previous cycle, and the interest rate of the credit card in question is only 11%. For purposes of this example say the card holder only pays $100.00 on their account.

If the two cycle average daily balance is used, the consumer must average the current balance Cheap Trevor Booker Shirt , as well as the previous balance and take a daily average. One way to look at it is this:

(Previous Balance + Current Balance) Two Billing Cycles * 30 = (Amount Applied to Interest)* APR

Using the above figures for our consumer, and assuming both billing cycles are 30 days in length, we get:

($1000.00 + $500.00) 60 *30 = $750.00.

The consumer would be paying interest on $750.00 instead of the current balance of $500.00. This means a higher interest payment, and it is clear this method favors the creditor.

Average Daily Balance:

This method averages the amount charged for new purchases over the number of days in a particular billing cycle. An example would be if a consumer purchased a chair for $400.00, then the next week purchased a meal for %25.00. If no additional purchases were made during the current billing cycle Cheap Robert Covington Shirt , the average daily balance would be $14.17. This should mean that it doesn''t matter if you make a purchase on the first or last day of a billing cycle, the amount pain in interest is the same.

The best way to maximize the value of any credit card is to not carry a balance, but of course this is not always possible. Only carry a balance when you must, and then only for as long as absolutely necessary.
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