How to Express Your Opinion through Writing

The digital age confers upon all internet-connected individuals the means to express their opinion to billions, to the entire connected world. The problem becomes that there are so many reactive opinions that flood into cyberspace that few opinions attain much resonance with the masses.


So, say you have read something or encountered an absurdity in daily life which triggers the desperate need for you to convince others to see different aspects of the issue, to view the issue in your way. Maybe it is an issue about which you care deeply, and one about which you have an insight which you feel could really make a positive change in the world. To learn how to express yourself with powerful impact and make your voice heard, you must develop your case logically, write persuasively, and punctuate everything with visual impact. Only then will you have a chance to change minds and change the world.

How To Romantic Mug Set

Wake up your Valentine with a romantic mug set — one for your sweetheart and one for you. The process for personalizing a ceramic mug with permanent marker is very simple, and your significant other will be reminded of your romantic sentiments long after February 14th has passed. Getting your morning caffeine fix has never been sweeter.

Begin by writing your saying onto your cups in pencil first. Take your time and get the lettering exactly how you want the final product to look. You can use a straight edge to keep everything aligned correctly. Add any illustrations you would like.

All you need are two blank mugs, a pencil, an oil based permanent marker and an oven.

Next, carefully trace over the pencil marks with an oil-based permanent marker. It must be oil based or your project will not work. Allow to dry for 2 hours.

Largest Brands And Agencies Take TAG Pledge To Fight Ad-Supported Piracy For All Digital Ads

Anti-Piracy Leaders Include Allstate, American Express, Colgate-Palmolive, Comcast, GroupM, Intel, Johnson & Johnson, Kellogg’s, MillerCoors, SMG, State Farm, Vivaki, Unilever, Walmart, ZenithOptimedia

TAG Announces First Group of Validated Anti-Piracy Service Providers: comScore, DoubleVerify, Incopro, Integral Ad Science, sovrn, Veri-Site, whiteBULLET

 The Trustworthy Accountability Group (TAG), an advertising industry initiative to fight criminal activity in the digital advertising supply chain, today announced that many of the world’s largest brand advertisers and agencies have pledged to require their ad partners to take aggressive steps to help fight the $2.4 billion lost to pirate sites each year.

Advertisers signing the TAG anti-piracy pledge include Allstate, American Express, Boehringer Ingelheim, Colgate-Palmolive, Comcast, Dole Packaged Foods, Dr. Pepper Snapple Group, Intel, Johnson & Johnson, Kellogg’s, MillerCoors, NBCUniversal, State Farm, Unilever, Viacom, Walmart, The Walt Disney Company, Warner Bros., Yamaha, and 21st Century Fox. Agencies signing the pledge include GroupM, Horizon Media, Maxus Global, MediaCom, MediaVest, Mindshare, MEC, Neo@Ogilvy, Starcom Mediavest Group, VivaKi, Xaxis, and ZenithOptimedia Group.

TAG also announced that the first group of TAG-validated providers of anti-piracy services, including comScore, DoubleVerify, Incopro, Integral Ad Science, sovrn, Veri-Site, and whiteBULLET, are completing the validation process. Those companies, which undergo an independent third-party audit process, will provide anti-piracy services to help cut off the flow of advertising revenue to sites that profit from pirated content and counterfeit goods. In addition, digital ad leaders OpenX, Rocket Fuel, PubMatic, and SpotX were certified in their anti-piracy efforts through a TAG-designed self-attestation process.

“Today marks a turning point in the fight against ad-supported digital piracy,” said TAG CEO Mike Zaneis. “Many of the world’s largest brand advertisers and agencies have now committed to take aggressive steps to keep their digital ads off infringing sites, and we have announced the first group of anti-piracy companies that are being validated to provide those services. There is tremendous momentum behind this initiative from advertisers and agencies that no longer want to put their valuable brands at risk of association with this criminal activity, and we are delighted at the commitments and support for these efforts.”

The TAG anti-piracy program helps prevent ad placement on websites that facilitate distribution of pirated content and/or the illegal dissemination of counterfeit goods. Through the program, providers of anti-piracy tools and services must be validated as Digital Advertising Assurance Providers (DAAPs) by independent third-parties including Stroz Friedberg, Ernst & Young, and the Alliance for Audited Media, in coordination with TAG.

To be validated, DAAP candidates must show how they identify risky sites, prevent ad placement, disrupt site transactions, monitor and assess the safety of ad placements, and/or prevent payment to sites that are deemed likely to offer pirated content or counterfeit goods. Companies using a DAAP’s anti-piracy services can receive a TAG “Certified Against Piracy” seal to demonstrate their compliance with TAG’s anti-piracy standards.

“Visitors to pirate sites often fall victim to malware and viruses that are used to drive bot nets creating false and fraudulent traffic,” said Jennifer Gardner, Director of Media and Partnerships, Unilever North America. “In addition to impacting people and their devices, this also drives up costs for digital advertisers. Unilever believes that industry-wide efforts like TAG’s anti-piracy campaign can help improve the consumer experience as well as bring rigor and accountability to digital advertising.”

By signing the TAG anti-piracy pledge, companies commit to take “commercially reasonable steps to minimize the inadvertent placement of digital advertising on websites or other media properties” that support piracy or counterfeit content by January 1, 2016. Companies agree to fulfill that pledge in a manner consistent with TAG’s anti-piracy efforts which may include, among other things, directly hiring a DAAP, using ad placement services that have been certified by TAG, or by doing business exclusively with ad agencies that have been certified by TAG.

According to a study released last week by the Interactive Advertising Bureau (IAB) and EY, pirated content is costing the digital ad industry roughly $2.4 billion each year, with roughly two billion dollars of that total lost to consumers who do not pay for infringed content while an additional $456 million is lost in potential advertising revenue.

To use a TAG-validated provider of anti-piracy services, companies can contact the DAAPs named herein. More information and the full criteria developed for the TAG Brand Integrity Program Against Piracy – including a full list of companies that have taken the TAG Pledge – can be found at

About the Trustworthy Accountability Group

The Trustworthy Accountability Group was created to spur transformational improvement at scale across the digital advertising ecosystem, focusing on four core areas: eliminating fraudulent traffic, combating malware, fighting ad-supported Internet piracy to promote brand integrity, and promoting brand safety through greater transparency. For more information on TAG, please visit

TAG Brings Ad Leaders Together To Launch War On Digital Ad Fraud

New Two-Part “Verified by TAG” Initiative Includes TAG Registry (Available Today) to Identify Responsible Ad Providers and Payment ID (Coming Soon) to Prevent Payments to Fraudsters

Largest Ad Networks and Agencies Pledge Support, Including AppNexus, AOL, Dentsu Aegis Network, Index Exchange, Interpublic, Google, Omnicom, Publicis, Rubicon Project, WPP

The Trustworthy Accountability Group (TAG), an advertising industry initiative to fight criminal activity in the digital advertising supply chain, today announced an industry-wide anti-fraud program, Verified by TAG, to fight digital ad fraud and bring new transparency across the digital ad ecosystem. “Verified by TAG” has two core and interlocking elements: the TAG Registry of legitimate advertisers and publishers, which will be available for application today, and a Payment ID system coming soon that will connect all ad inventory to the entities receiving payments for the ads.

Legitimate companies across the supply chain can now apply to the TAG Registry to be verified by TAG as a trusted advertising party. Registered (or “TAG’ed”) companies will receive a TAG-issued identifier that they can share with partners and pass with every ad they buy, process, place or run.

On a parallel track, TAG is currently developing a Payment ID system in cooperation with leading companies in the programmatic space. The goal of the Payment ID system is to create a record of who gets paid for every impression to prevent criminals from receiving ad spend.

Programmatic leaders including AOL, AppNexus, Index Exchange, Google, and Rubicon Project have pledged their support for these dual initiatives, as have the five largest global advertising holding companies, Dentsu Aegis Network, Interpublic, Omnicom, Publicis, and WPP. All of those companies have agreed to encourage their digital partners to take part in both initiatives.

“The TAG Registry and upcoming Payment ID system will act like a ‘two-factor authentication’ for the digital ad supply chain,” said TAG CEO Mike Zaneis. “Through the TAG Registry, buyers will be able to ensure that they are working with trusted parties at every step of their campaigns, while the Payment ID system will ensure that payments only go to legitimate players, choking off the cash to criminals. These programs will serve as the cornerstone of TAG’s anti-fraud efforts by providing transparency across the digital ad ecosystem. Registration is now open, and it’s time for every company in digital advertising to get TAG’ed.”

Companies across the ad ecosystem are encouraged to apply to the TAG Registry. After a proprietary background check and review process, approved companies will receive a unique identifier that will allow them to identify their ads to trading partners in the supply chain. Those identifiers can also be matched with the upcoming Payment ID system to ensure that payments are going to the correct registered and legitimate companies. Registered companies will also be eligible to participate in TAG’s other seal programs to highlight the steps they have taken against fraud, piracy, and malware.

Companies can learn more about TAG’s Anti-Fraud efforts or apply at TAG registration.

About the Trustworthy Accountability Group

The Trustworthy Accountability Group was created to spur transformational improvement at scale across the digital advertising ecosystem, focusing on four core areas: eliminating fraudulent traffic, combating malware, fighting ad-supported Internet piracy to promote brand integrity, and promoting brand safety through greater transparency. For more information on TAG, please visit

Quotes from Participating Companies

Megan Pagliuca, CEO of Accuen, Omnicom’s programmatic agency:
“Fraud is a blight on our industry – the only way it will be eradicated is through a collective commitment to zero tolerance. The Tag Registry and Payment ID initiatives are significant steps toward achieving that outcome, and assuring transparency in the digital ad supply chain.”

David Jacobs, Senior Vice President, AOL Platforms:
“For some time, AOL has worked with the IAB and industry partners to combat fraud on two fronts: by deploying the best technologies available and by choking off the economic incentives these bad actors exploit. TAG’s registry and payment ID take those efforts even further, putting in place a system to verify digital operators and follow the money trail. The ultimate goal is to ensure greater transparency into the advertising that helps support the free, open Internet, and we are proud to be a charter participant.”

Brian O’Kelley, CEO, AppNexus:
“Advertising is the power source of a free and open Internet, and it’s incumbent upon industry leaders to keep the marketplace clean and transparent. This important initiative establishes another layer of accountability that will benefit all actors in the ecosystem, and we’re very pleased to be part of it.”

Lucas Cridland, US President, Amplifi, the media investment division of Dentsu Aegis Network:
“Eliminating fraud from the media ecosystem is at the top of our priority list because of the detrimental impact that it has on all involved parties. The launch of TAG and Payment ID is a huge step in the right direction for us and for our clients. We’re proud to take part in an initiative that aids in achieving the levels of transparency and accountability that should have been present from the beginning.”

Scott Spencer, Product Management Director, Google, and Chairman of the TAG Anti-Fraud Working Group:
“Ad fraud is a solvable problem. If the industry continues to work together on projects like this, we can prevent illegitimate sites and traffic providers from taking spend from the ecosystem and help legitimate publishers earn the revenue to support their businesses.”

Ari Bluman, Chief Digital Investment Officer, GroupM:
“Adoption of ‘Verified by Tag’ is a no-brainer to combat fraud and keep ad dollars out of crooks’ pockets. Our own anti-fraud efforts have been labor intensive; TAG is making anti-fraud initiatives more efficient and will ultimately make it much more difficult to build fraudulent businesses by exploiting the digital advertising ecosystem. Going forward, we will only consider inventory from TAG-verified sources and encourage others to do the same.”

Andrew Casale, CEO, Index Exchange:
“Accountability and sunlight are crucial elements of a fully transparent supply chain. Both the TAG registry and Payment ID are strong steps toward achieving them, and through them a mature, principled marketplace. We’re excited to be charter members of both initiatives.”

Gregory R. Raifman, President of Rubicon Project and founding Board Member of TAG:
“As a leader in inventory quality, we have long been committed to providing a clean, well-lit environment for the buying and selling of advertising and stand behind efforts to help elevate the industry and improve the overall advertising ecosystem. These important TAG initiatives represent the latest arrow in our quiver to help ensure advertisers get real value for their dollar whether they are buying on our platform or elsewhere and we look forward to industry-wide implementation.”

Stephan Beringer, CEO of VivaKi (part of the Publicis Groupe):
“Quality, viewability and transparency have been hallmarks of VivaKi since we opened for business in 2007. Through our VivaKi Verified process and Quality Index, we have created an industry leading practice that has vetted thousands of platforms and partners across the digital ecosystem. We applaud the TAG Registry initiative and all of the companies who are standing behind it, and we are eager to bring the rigor of our verification processes to bear on this critical initiative. The investment power represented by this confederation can only advance the principles and standards that have always been strategic pillars for Publicis Groupe.Fuck Ad TAG

Google to Speed Up Chrome for Fast Internet Browsing


Google is planning to make Chrome faster in order to provide its users fast Internet browsing experience.

Thanks to a new, open-source data and web compression algorithm for the Internet called Brotli, which Google announced last year to boost its web page performance.
With Brotli, Google will speed up Chrome and users could get a significant performance boost in coming months.
Google introduced Brotli last September and claimed that the new algorithm is a “whole new data format” that could reduce file sizes by up to 26 percent higher than Zopfli, the company’s three-year-old web compression technology.

Net result – Fast Internet Browsing

In a post on Google+ on Tuesday, web performance engineer at GoogleIlya Grigorik announced that the new algorithm is coming to Chrome soon, which will change the way files are compressed, improving loading speeds by a quarter.
Besides faster loading speeds, Brotli also have additional benefits for smartphone users, which includes:
  • Lower data transfer fees
  • Reduced battery use
Brotli is currently in beta testing mode, with a current status “intent to ship”, however, it is likely to be rolled out with the next stable release of Chrome.

Advantages of Brotli

  • Brotli outperforms gzip for typical web assets (e.g. css, html, js) by 17–25%.
  • Brotli -11 density compared to gzip -9:
  • html (multi-language corpus): 25% savings
  • js (alexa top 10k): 17% savings
  • minified js (alexa top 10k): 17% savings
  • css (alexa top 10k): 20% savings

Chrome to Speed Up Web Page Performance Over HTTPS

At present, Brotli is restricted to HTTPS connections, and if you are curious to see Brotli in action, you can activate the feature in Chrome Canary, which is Google’s browser for testing new features.
Thereby, you can carry out internet speed test with the help of various website performance testing tools to know what difference Brotli makes to your Internet browsing experience.
So, Get Ready to Speed Up Chrome and make your web page performance faster.

​Google, Yahoo, Facebook Collaborate to Blacklist Bad Bots

​Google, Yahoo, Facebook Collaborate to Blacklist Bad Bots

The major tech companies including Google, Facebook, and Yahoo! have joined their hands to launch a new program meant to block fake web traffic by blacklisting flagged IP addresses.

Today, majority of data center traffic is non-human or illegitimate, so to fight against this issue the Trustworthy Accountability Group (TAG) has announced a program that will tap into Google’s internal data-center blacklist to filter bots.
The new pilot program will reject traffic from web robots or bots by making use of a blacklist, cutting a significant portion of web traffic from within data centers, said Google Ad Manager Vegard Johnsen.
Google or any other big tech firm maintains a Blacklist that lists suspicious IP addresses of computer systems in data centers that may be trying to trick the human into clicking on advertisements. Google’s DoubleClick blacklist alone blocked some 8.9% of data-center trafficback in May.

Facebook and Yahoo to Contribute

Apart from Google, TAG’s new program will take help from other industry leaders, including Facebook, Yahoo, Dstillery, MediaMath, Quantcast, Rubicon Project and TubeMogul, to share their own internal data-center blacklists.

“By pooling our collective efforts and working with industry bodies, we can create strong defenses against those looking to take advantage of our ecosystem,” Johnsen said in a blog post. “We look forward to working with the TAG Anti-fraud working group to turn this pilot program into an industry-wide tool.”

Click fraud have become a major issue for big companies as it steals money from advertisers and reduces faith in online campaigns.

Fraudsters are making Millions

Some publishers even run specialized tools in data centers that generate fraudulent ad impressions to inflate user clicks.Two such tools are listed below:
  • UrlSpirit
  • HitLeap
UrlSpirit is a software that serves as a form of botnet. Named URLs are distributed among Internet Explorer (IE) instances running on most of the data center boxes that operate UrlSpirit.
The search engine giant discovered nearly 6,500 installations of UrlSpirit generating 500 Million fake ad requests or an average of 2,500 ad requests per installation per day.
On the other hand, HitLeap is another software that uses the Chromium Embedded Framework, instead of Internet Explorer.
HitLeap is larger with 4,800 installations network of which 16% are operating in data centers.
Mike Zaneis, Trustworthy Accountability Group’s chief executive, declared its new pilot program would also tackle fraudulent advertisements.

“This program is another piece of the interlocking set of solutions TAG is building to fight fraud across the entire ecosystem,” says Zaneis. “The industry is galvanizing its efforts and we will win the war against fraud.”

TAG will soon release a set of principles for online users comments that will be then incorporated into the final pilot program. The ad fraud detection tool will be available to the public by the end of 2015.

What’s the difference between being transgender or transsexual and having an intersex condition

People who identify as transgender or transsexual are usually people who are born with typical male or female anatomies but feel as though they’ve been born into the “wrong body.” For example, a person who identifies as transgender or transsexual may have typical female anatomy but feel like a male and seek to become male by taking hormones or electing to have sex reassignment surgeries.

People who have intersex conditions have anatomy that is not considered typically male or female. Most people with intersex conditions come to medical attention because doctors or parents notice something unusual about their bodies. In contrast, people who are transgendered have an internal experience of gender identity that is different from most people.

Many people confuse transgender and transsexual people with people with intersex conditions because they see two groups of people who would like to choose their own gender identity and sometimes those choices require hormonal treatments and/or surgery. These are similarities. It’s also true, albeit rare, that some people who have intersex conditions also decide to change genders at some point in their life, so some people with intersex conditions might also identify themselves as transgender or transsexual.

In spite of these similarities, these two groups should not be and cannot be thought of as one. The truth is that the vast majority of people with intersex conditions identify as male or female rather than transgender or transsexual. Thus, where all people who identify as transgender or transsexual experience problems with their gender identity, only a small portion of intersex people experience these problems.


Transsexual women genuinely are women, regardless of their being born with bodies that people tend to consider “male.” Transsexual men genuinely are men, no less so than any other man. And when people say that they are neither male nor female, that is an actual experience that they’re undergoing: they truly do not feel comfortable when people think of them as one or the other.

It is disrespectful to call people by certain pronouns or names when they request otherwise. It is disrespectful to say things like “You’re still my son” or “You’ll always be a woman to me.” Trans people are truly, unavoidably, fundamentally not members of the genders that they were assigned at birth.

An individual who has transitioned is not an “ex-boy” or an “ex-girl.” A trans man, though born with a reproductive system that is most commonly found in females, is not (and never has been) a woman; though he was labeled as a girl when he was young, that label was incorrect. He is a “real man,” despite the unusual condition of his body at birth.

I hope that’s clear enough! You may wish to read this page over again, perhaps a little more slowly; you may want to print it out; maybe you have the gist of it by now, and would like to move on.

What causes a person to be transgender?


There is strong evidence that most transgender people are born with a predisposition to being transgender that was formed prenatally. Generally gender identity seems to be fully formed before age 6 and then becomes very difficult to change or influence later.

There are thought to be 3 major factors in development, Chemical/Hormonal, Genetic and Environmental.

We know from brain studies that men and women have small yet specific and identifiable structures in the brain that are different in size and proportion. When the brains of transgender persons are analyzed they almost always consistently match the bain structure of their adopted gender not their birth sex. Male to female transsexuals have female brain structures. These changes are thought to be caused due to hormonal or chemical imbalances that cause the wrong hormones to be expressed by the mother prenatally. The sample sizes are small in these studies due to the low number of transgender persons brains for medical study after death but research is ongoing. There is a consistent trend even with the small and growing sample size.


During one stage of a baby’s development if the mothers body produces male hormones the babies genitals will become male and if the mother produces female hormones then the genitals will be female. This can even happen in opposition to the genetic sex of the baby.

There is also a second wash of sex hormones that occurs while the brain is developing. It is thought by some researchers that crossing the wrong hormones at that time is what leads to transgender issues. Studies with animals has shown that purposely giving the animal the wrong hormones during that brain development stage will even cause the animal to exhibit mating behaviors of the opposite sex even if the genitals match their genetic sex.

Genetics may also play a part in the hormones not being as effective or the baby being more sensitive to hormonal imbalances that might cause Gender Issues and the child to become Transgender. So two of the three are in some way hormonally based and prenatal hormones can be affected by stress, medications, pollutants, disease and numerous other things.

The last factor is the environment that children grow up in but that seems to be the least likely cause. The simple fact is that children raised in an environment with other same sex siblings only a year or two apart can still show gender nonconformity even though no other siblings do.


The last part to address is when. From my first hand experience both with myself and with others, most transgender people know they are uncomfortable with their gender from early on. The question tends to be how long does it take for that discomfort to become unbearable or how long can they fool themselves into thinking they are their birth sex. Certainly some people may come to the realization later in life but even then many of them had other gender nonconforming behaviors before that such as occasional cross dressing. The ages for transition can be at any age but the ages for when they knew they felt more like a girl (or boy) tends to average much lower. In many people like myself, as low as early childhood and as young as 6.

how can we rebuild nepal

ith only a small window of time between the end of the rainy season in September and the beginning of winter, which will be particularly brutal for mountain communities living in temporary shelters, the task of reconstruction is an urgent one.

The earthquake destroyed over 600,000 homes and damaged nearly 300,000, according to the latest government figures.

Amidst the rubble and debris of flattened buildings in many of the affected areas, schools and shops have reopened and people have built makeshift dwellings.

When I got to Swotha Square, it was impossible not to notice that the tiered pagoda was gone and that debris, bricks and splintered timbers had been put into piles at the edges of the temple’s remaining brick and stone stepped base.


The Boudhanath Stupa is shrouded in a network of bamboo scaffolding for the stabilization and reconstruction of the upper parts of the stupa. Kathmandu, Nepal.

The Boudhanath Stupa is shrouded in a network of bamboo scaffolding for the stabilization and reconstruction of the upper parts of the stupa. Kathmandu, Nepal.Credit Kevin Bubriski

Up the street, a sparse crowd of curious Nepalis was taking photos with their phones of what had changed after three major temples were lost. Young couples and clusters of teenagers sat on the remaining foundation stones. There were no piles of rubble in the streets, but the exquisite Krishna temple, Shiva temple and Bhimsen temple all had wooden buttresses pressed into their eaves for support. It felt eerily quiet, and somehow it was the new normal.

My arrival was six weeks after the earthquakes; the initial emergency and rescue operations were over, and the flock of parachute photojournalists had left as Nepal fell from the front pages. But the story continues, the less dramatic saga of cleaning up, rebuilding homes and entire villages, as well as healing the wounds of trauma, fear and uncertainty.

Several days later, I ventured to Kathmandu’s Durbar Square, where many of Nepal’s oldest and finest architectural and spiritual treasures had been lost. I knew what to expect from the news, but it was still a shock to confront the reality of what Durbar Square had become with its “Tour Lane” and “Danger Zone” signs, and walls of corrugated zinc sheeting hiding remaining debris piles. The walk that used to be among tiered temples edged with red fabric and bells was now more like walking past a construction site anywhere in the world.

Car Lease vs. Buying Which Is Cheaper?

There are no hard-and-fast rules as to whether it’s cheaper to buy or lease a car. It may be cheaper to lease in some situations and cheaper to buy in others. Some cars depreciate faster than others, which would make it cheaper to lease that particular model. There are other factors to consider too, such as how many miles you intend to drive.

(Image: Getty)

Rate of Depreciation

If the car you’re looking at has a strong potential for resale at a decent price, then you will probably want to buy it. By contrast, if the car is likely to depreciate rapidly, leasing it will be a better choice, because you won’t be stuck with the loss that comes from reselling a depreciated asset. Though some cars will actually appreciate more than three times over their initial cost — although this is rare — most cars will depreciate immediately and never rise in value over time.

Miles Per Year

Another important part of the buy-or-lease decision-making process is how many miles per year you think you plan to drive the car. Most, if not all, lease deals have a mileage limit. Read the fine print carefully, because this may be a deal breaker for you. In most cases, you will be better off leasing a car that you know will be used heavily, because you will not need to try to resell a high-mileage vehicle — often at a highly depreciated rate — as you would if you owned the car. The trick is to estimate how many miles you will drive, because these savings will often be completely wiped out if the lease has a low-mileage limit.

Reasons To Lease

There are many advantages to leasing a car, such as:

  • Many car lease **options come with servicing and other maintenance** included in the monthly payment price.
  • It is usually much easier to switch vehicles during the lease period, and you don’t need to worry about selling it and buying a new car.
  • The monthly payments are often lower than those of other methods.
  • You get a good car now, and get a **better** car later. If you think your income will be higher in a few years, you can upgrade to a more expensive car.

Cost Comparison

Imagine that you invest $5,000 in a used vehicle that was sold new in 2010 for $12,000. If you purchase the vehicle in 2015, the car will have already depreciated in value by $7,000 due to an average 10-percent rise in fuel efficiency in newer models and the fact that the car has already been owned by two other people in the last five years. By 2020, if you sell the car in the same condition it was in when you bought it, the car may only be worth $3,000 due to further improvements in technology that make your older vehicle obsolete. Net Loss: $2,000.

Now imagine instead of buying a used vehicle, you invest that same $5,000 down on a lease agreement on a vehicle that sold for $15,000 in 1990 and is currently valued at $17,000, but you manage to negotiate a $2,000 reduction on the sticker price. If you make a monthly payments of $200 per month over the next five years, you’ll have paid $12,000 into the car, which actually exceeds the value of the car by $2,000 when you factor in the down payment. By the time you decide to buy a new car in 2020, your car will have appreciated to $19,000 due to a rise in popularity of that model. Therefore, when you trade your car in to buy a new one, you’ll have the $2,000 appreciation value, the $2,000 in savings you negotiated on the first car and the $2,000 extra income that you put aside from your monthly payments, giving you $21,000 to put toward a new car. Net Gain: $6,000.

Return on Investment

If you buy a car outright, then you lose interest on that money, which could be used more effectively by investing in an asset that appreciates, rather than one that depreciates as most cars do. For example, you could invest in a house, which would most likely appreciate in value. If you purchase the car with a bank loan or dealer finance, then interest and other investments are not issues. has an excellent comparison of five popular vehicle models to give you an idea of how the value of a vehicle can depreciate over time.

As with any other major purchases, the decision to lease or buy a car must be treated on a case-by-case basis. Continue to do your own research, because there are no 100-percent yes-or-no answers to be found online, and you can’t always trust a dealer who is looking to increase profits.