tamica

Wie teuer ist Autofahren wirklich?

Die ersten Antworten darauf sind immer sehr vage. Man könnte über den Spritpreis gehen, oder vielleicht einfach die Pendlerpauschale (0,30 €/km) heranziehen. Denkt man ein wenig mehr nach, dann fallen einem allerlei Kosten ein, die man für eine konkrete Rechnung mit einbeziehen muss wie Versicherung, Wertverlust oder Wartungskosten. In Internetportalen werden häufig all diese Kosten für ein Jahr addiert und einfach durch die gefahrenen Kilometer geteilt. So kommt man schnell auf Werte von 20 bis 30 Cent pro gefahrenen Kilometer. Aber ist Autofahren wirklich so teuer?

Die Antwort darauf ist: „Nein!“ Ein Auto zu besitzen ist teuer, damit zu fahren ist aber deutlich günstiger. Denn bei all diesen Rechnungen werden zwei Arten von Kosten einfach zusammengerechnet: variable Kosten und Fixkosten.

Unter die Fixkosten fallen die Kfz-Steuer oder die Kosten für die TÜV-Abnahme (Hauptuntersuchung). Diese muss ich immer zahlen, egal ob ich 1 km oder 100.000 km im Jahr fahre. Diese Kosten bleiben immer gleich.

Die zweite Gruppe wird durch die variablen Kosten gebildet. Sprit oder Verschleißkosten fallen darunter. Diese fallen nur an, wenn ich auch mit meinem Auto fahre, nicht wenn es in der Garage steht.

Jetzt  gibt es aber noch eine dritte Gruppe von Kosten und zwar diese, die sich aus beiden Komponenten zusammensetzt. Prominentester Vertreter dieser Gruppe ist der Wertverlust. Das Auto verliert an Wert, schon deswegen, weil es älter wird. Dazu muss es nicht bewegt werden. Wird es zusätzlich noch gefahren, so „erfährt“ das Auto noch einen Wertverlust abhängig von den gefahrenen Kilometern.

Aber wie teuer ist jetzt Autofahren? Dafür haben wir uns einen VW Golf IV Bj. 2003 (130PS TDI) als Beispielauto mal näher angesehen:

*Datengrundlage: autobudget.de

Um die Kosten für einen gefahrenen Kilometer zu ermitteln, müssen alle variablen Kostenanteile (€/km) addiert werden. Verleihe ich mein Auto nun und der Fahrer kommt vollständig für die Spritkosten auf, so kostet mich jeder gefahrene Kilometer rund 7 Cent. Dem gegenüber stehen Fixkosten für unser Beispielauto von rund 3.000 €. Diese Fixkosten habe ich, auch wenn ich das Auto nicht benutze. Und wenn ich mein Auto nun nicht fahre, dann kann ich es bei tamyca einstellen und Geld verdienen, um meine Fixkosten zu kompensieren.

Mach mit und gib Deinem Auto einen Job!

- Arndt

I sit in the middle of the galaxy

Sweet melodies singing into my ears.

The brilliant light echoes around me

Like shattered glass in the sky

Or light hitting a clear diamond

One star shines the most

It catches my attention

Just like you did

I reach for the stars

But my reach falls short

It’s too far away

Just like you are

But I stand awed by your purity

A shard of hope

In a box of lost things

Im lost without you

I can’t read a map

And your t shirts lost it s smell of you

I sit in the middle of the galaxy

Enveloped in your embrace

But so completely alone

-Tamica T

Up IXM 243.94 (Financial Select Sector Index) Investors Purchase Large Volume of Energy Select Sector SPDR Call Options (XLE)

“seeks to provide investment results that correspond generally to the price and yield performance of the Energy Select Sector Index (the Index). The Index includes companies from the following industries oil, gas and consumable fuels, and energy equipment . …” said Tamica to Odilia on Thursday, April 23, 2015.

“My dear Miss Odilia,” said Tamica, “have you heard that SOX went down to 702.29?”

“PHLX Semiconductor.”

Odilia replied that she had not.

“But it did,” said Tamica. “Why Broadcom Will Head Higher Even Without Being Acquired So why should you invest in semiconductor giant Broadcom (BRCM - Get Report)? Broadcom stock gained around 45% for the past 52 weeks but are up less than 1% so far in 2015. By comparison the iShares PHLX Semiconductor ETF (SOXX)– home to prominent names . …”

Odilia, with good-humored countenance, made no answer.

Still overwhelmed with gratitude to family, friends and complete strangers who surrendered their Friday night to my experimental solo studio show and booksigning effort in LA. It was exhilarating in every way. Big huge thanks to Lula Washington for her immeasurable support, and of course my siblings Tamica Washington-Miller Jeremiah Tatum Bernard J. Brown Roshada Baldwin for bringing this together with Terri James. I can’t say thank you enough. The lights did indeed go on and off in the best way! #Amen via Facebook http://ift.tt/1IDh5oi

Dominica sells ROP 167.08: Watch for Shares of Roper Industries (ROP) to Approach Support at $167.88

“Shares of Roper Industries (NYSE:ROP) have bearishly opened below the pivot of $169.56 today and have reached the first support level of $168.50. Should the shares continue to fall, the support pivots of $167.88 and $166.20 will be of interest. Over the ..” said Kemberly to Tamica on Monday, April 20, 2015.

“My dear Miss Tamica,” said Kemberly, “have you heard that SGET went up to 351.16?”

“Goldman Sachs Liquefied Natural Gas Index [EURO].”

Tamica replied that she had not.

“But it did,” said Kemberly. “Midday Update: Sluggish U.S. Economic Growth, European Weakness Keeping Stocks Underwater Stocks were little changed this afternoon, trimming early losses that followed investors Thursday shrugging off better-than-expected earnings from Goldman Sachs ( GS), Blackstone … $0.75 to $55.67 per barrel. Natural gas was down $0.02 to $2.68 per …”

Tamica, with a look of haughty composure, made no answer.

Sha sells AXIATA 6.970: 13/04/2015 1. Details of Corporate Proposal Whether the corporate proposal involves the issuance of new type and new class of se

“Additional Listing Announcement (ALA) Additional Listing Announcement (ALA) Reference No AG-150412-61011 Submitting Merchant Bank : N/A Company Name : AXIATA GROUP BERHAD Stock Name : AXIATA Date Announced : 13/04/2015 1. Details of Corporate Proposal Whether the corporate proposal involves the issuance of new type and new class of securities? : No Types of corporate proposal : Others Details of corporate proposal : Restricted Share Plan No. of shares issued under this corporate proposal : 509,400 Issue pric …” said Azzie to Tamica on Sunday, April 19, 2015.

“My dear Miss Tamica,” said Azzie, “have you heard that NSHU went up to 2053?”

“NYSE Advancing Stocks.”

Tamica replied that she had not.

“But it did,” said Azzie. “CDK Global : Application Software Stocks on our Radar – Nuance Communications, Workday, Advent Software, Informatica, and CDK G … The S&P 500 Information Technology Sector Index ended the day at 703.97, up 0.88%, with the index also advancing 5.63% in the previous three months. Register for your complimentary reports at the links given below. Nuance Communications Inc.’s stock edged …”

Tamica, without a smile, made no answer.

Kendra sells PDZ 0.135: 06/04/2015 03/04/2015 Amiruddin Bin Abdul Shukor 46 Malaysian Director Independent & Non Executive Resignation Personal reas

“Change in Boardroom Change in Boardroom Reference No CC-150406-44898 Company Name : PDZ HOLDINGS BHD Stock Name : PDZ Date Announced : 06/04/2015 Date of change : 03/04/2015 Name : Amiruddin Bin Abdul Shukor Age : 46 Nationality : Malaysian Designation : Director Directorate : Independent & Non Executive Type of change : Resignation Reason : Personal reason Details of any disagreement that he/she has with the Board of Directors : No Whether there are any matters that need to be brought to the attention o …” said Inge to Tamica on Thursday, April 16, 2015.

“My dear Miss Tamica,” said Inge, “have you heard that CEX went up to 523.91?”

“S& P Chemicals Index.”

Tamica replied that she had not.

“But it did,” said Inge. “Environmental ‘hero’ Mary Mahoney being remembered for her White Lake work MONTAGUE, MI – Mary Mahoney was a passionate pioneer among the grass-roots activists who called attention to the chemical industry’s pollution of the White Lake … Visitation - and a farewell luau - will be from 6 to 8 p.m. Wednesday, April 15, at …”

Tamica, with her usual reserve, made no answer.

Tamica buys IBM 164.13: International Business Machines Corp. (NYSE:IBM) Joins With Apple and J&J to Analyze Health Data in the Cloud

“To create a somewhat new technology, International Business Machines Corp. (NYSE:IBM) is planning to join Apple, Johnson & Johnson and Medtronic Plc to make it convenient for health care companies in analyzing patient data. International Business Machines …” said Laura to Jeneva on Thursday, April 16, 2015.

“My dear Miss Jeneva,” said Laura, “have you heard that SS2J went up to 2824.84?”

“S&P 500 EQUAL WEIGHTED Industrials [Sector].”

Jeneva replied that she had not.

“But it did,” said Laura. “BMO S&P/TSX Equal Weight Industrials Index ETF (ZIN In trading on Wednesday, shares of BMO S&P/TSX Equal Weight Industrials Index ETF (TSX: ZIN.TO) crossed above their 200 day moving average of $21.45, changing hands as high as $21.52 per share. BMO S&P/TSX Equal Weight Industrials Index ETF shares are …”

Jeneva, with manners so far from right, made no answer.

Kayce buys GG 19.22: Barclays Cuts Goldcorp Price Target to $25.00 (GG)

“Research analysts at Barclays cut their price target on shares of Goldcorp (NYSE:GG) from $26.00 to $25.00 in a report released on Tuesday. The firm currently has an “overweight” rating on the stock. Barclays’ target price indicates a potential …” said Estell to Tamica on Thursday, April 16, 2015.

“My dear Miss Tamica,” said Estell, “have you heard that FVX went up to 1.34?”

“5-YEAR TREASURY NOTE.”

Tamica replied that she had not.

“But it did,” said Estell. “U.S. 10-Year Bond Yield Drops Below 1.9% on Retail Sales Fresh worries over the pace of U.S. economic growth sent investors piling into ultrasafe Treasury bonds, pushing the yield on … % -2.0BP ¾% 3-year 99 22/32 up 3/32 0.858% -3.7BP 1 3/8% 5-year 100 5/32 up 6/32 1.339% -4.1BP 1 ¾% 7-year 100 16/32 …”

Tamica, with perfect indifference, made no answer.

Huge congrats to my dear friend @stephozzy!!! An honoree of the Men and Women in Fashion!!

Always happy to see my sis @tamica!
Dress by @je_nola #meinje

I’m drowning in green tea

Sadness

And the Milky Way

Underneath the western sky.

I miss you so terribly

My lungs feel like rusted metal

Yesterday was full of tears

But I can’t wait until the tears go away

With the kiss

Of the silver moon.

-Tamica T

Brandy sells WRB 50.41: W. R. Berkley Corp Given Average Recommendation of “Sell” by Brokerages (NYSE:WRB)

“W. R. Berkley Corp (NYSE:WRB) has received a consensus rating of “Sell” from the seven analysts that are presently covering the stock, AnalystRatingsNetwork reports. Four equities research analysts have rated the stock with a sell rating and three have …” said Tamica to Donette on Monday, April 13, 2015.

“My dear Miss Donette,” said Tamica, “have you heard that SUJP went up to 155.68?”

“S&P Mitsubishi Corporate Group Index.”

Donette replied that she had not.

“But it did,” said Tamica. “World stocks press higher, with Tokyo touching 15-year high SEOUL, South Korea (AP) — Global stock markets pushed higher on Friday, with Japan’s index touching a 15-year high, after news of more big corporate deals and hopes … 1.2 percent to 27,272.39. Sydney’s S&P ASX 200 gained 0.6 percent to 5,968.40 and …”

Donette, with a look of haughty composure, made no answer.

Torie buys AJG 47.65: Arthur J. Gallagher & Co. Given Consensus Recommendation of “Buy” by Brokerages (NYSE:AJG)

“Shares of Arthur J. Gallagher & Co. (NYSE:AJG) have earned an average rating of “Buy” from the eight brokerages that are currently covering the stock, Stock Ratings News reports. Two equities research analysts have rated the stock with a sell …” said Alverta to Tamica on Monday, April 13, 2015.

“My dear Miss Tamica,” said Alverta, “have you heard that DVCN went down to 994.08?”

“NYSE Declining Volume.”

Tamica replied that she had not.

“But it did,” said Alverta. “CSX Earnings Preview: Pricing Increase Could Offset Sluggish Volumes CSX Corporation (NYSE: CSX) will be reporting its … benefited from the pricing increase, as well as a decline in fuel prices. In the fourth quarter, CSX’s revenue grew 5% driven by broad-based volume growth but unaided by revenue per unit.”

Tamica, with good-humored countenance, made no answer.

Christina sells PNFP 44.67: Pinnacle Financial Partners Up 0.2% Since Sandler ONeill Downgraded One Week Ago (PNFP)

“One week ago Pinnacle Financial Partners (NASDAQ:PNFP) was downgraded from Buy to Hold at Sandler ONeill. The stock closed at $44.61, which is 0.2% higher than the price one week ago ($44.53). Pinnacle Financial Partners, Inc. is a holding company for …” said Tamica to Lauralee on Tuesday, April 14, 2015.

“My dear Miss Lauralee,” said Tamica, “have you heard that DSIU went down to 182.35?”

“DJ US REINSURAN.”

Lauralee replied that she had not.

“But it did,” said Tamica. “Local DJ Aaron the Era Talks Working in Radio and Douchebag DJs For many of us growing up during the golden age of ‘90s Bay Area … I can’t stand when I’m in a nightclub for the 21+ and the DJ plays clean edits! We’re all adults and we’ve all been exposed to cursing, don’t play music like I’m at a …”

Lauralee, with perfect unconcern, made no answer.