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Ferrari has officially unveiled the mid-engined V8 replacement for the Ferrari F430, the Ferrari 458 Italia.
The 458 Italia will be officially unveiled to the public at the Frankfurt Motor Show this September, but Ferrari has been nice enough to release some of the info early. Maranello, July 28th 2009 - While it's true that every Ferrari is innovative by definition, it's equally true that in the course of the Prancing Horse's history, certain cars have marked a genuine departure from the current range. The new model is a synthesis of style, creative flair, passion and cutting-edge technology, characteristics for which Italy as a nation is well-known. The Ferrari 458 Italia is a completely new car from every point of view: engine, design, aerodynamics, handling, instrumentation and ergonomics, just to name a few.
A two-seater berlinetta, the Ferrari 458 Italia, as is now traditional for all Ferrari's road-going cars, benefits hugely from the company's Formula 1 experience.
The Ferrari 458 Italia's Pininfarina design provides further evidence of the complete departure from the past that this new car hails.
The car's soundtrack is also typical Ferrari, with an exciting, powerful growl emerging from the engine before it channels through to the exhaust's three rear tailpipes. The 458 Italia is equipped with the seven-speed dual-clutch transmission which increases performance whilst providing very smooth shifts even at full throttle. The engineers also focused on weight reduction during the design phase for similar reasons.
For the new chassis, once more in aluminium, Maranello's engineers incorporated various types of advanced alloys along with aerospace industry-derived manufacturing and bonding techniques. With regard to vehicle dynamics, the Ferrari 458 Italia's suspension features twin wishbones at the front and a multi-link set-up at the rear tuned for maximum roadholding and superlative handling. The integration of the E-Diff and F1-Trac (now controlled by the same ECU) and their respective mappings is even greater, resulting in a 32 per cent increase in longitudinal acceleration out of corners compared to previous models.
The same ECU also governs the high-performance ABS, providing even more precise control over the logic threshold and greater efficiency.
The Ferrari 458 Italia's interior is another area of the car that exalts its sporty personality. With the Ferrari 458 Italia, Maranello has brought a highly distinctive new car to its 8-cylinder range.
Without looking under the hood or at a vehicle history report, one of the easiest way to tell if a car has had body work done is to check the location and placement of the exterior badges. You know an automaker is confident about the safety of its vehicles when it asks one of the top crash test agencies to destroy one of its newest models. When we heard that the 2014 Honda Odyssey would be getting the world's first in-car vacuum, we had to check this thing out for ourselves. Here in New York, Honda is offering up a refreshed version of its well-liked Odyssey minivan, bringing with it a slew of updates including the segment's first in-car vacuum. Much of the minivan segment's volume has been sucked up by the industry's ever-increasing appetite for crossovers, but a few major players are hanging in there, eager to serve as beasts of burden for America's families.
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Credit scores are some of the most confusing, yet essential components of personal finance.
The simple answer is that credit scores range from 300 to 850, with 850 being the highest and best score. There are plenty of reasons why this information is crucial: not only does a better credit score get you low interest rates on loans and credit cards, saving you thousands of dollars in interest payments, but you are also in a better position when it comes time to apply for a job.
Overall, the broad appeal of a good or excellent credit score is that you save money by qualifying for loans with favorable interest rates.
Here is a brief overview of the credit score scale and a percentage breakdown of the American population.
There are also other online resources to help you track your credit score, such as Credit Karma and Credit Sesame. Credit Karma offers access to 3 different scores – your TransUnion score, your Vantage Score, and the score auto insurance companies use.
No one knows the exact algorithm or formula used by the bureaus to calculate credit scores, but the following factors are taken into account.
35% of your score is determined by your payment history on credit cards, loans, and lines of credit. 15% is based on the length of your credit history, usually taking into account the average time period all your accounts are open.
As we mentioned previously, the credit score range is between 300 and 850, and generally speaking, most lenders will consider 720 a good credit score. 750 – 850: Excellent Credit – you should qualify for the best and lowest interest rates and most flexible terms and conditions. 700 – 750: Good Credit – you will qualify for one of the lower rates available and really shouldn’t have a problem getting any type of loan you want. 640 – 700: Average Credit – you may qualify for a loan or credit card, but not at the best interest rates. 580 – 640: Poor Credit – you will not qualify for loans or credit cards from all lenders, and may have a tough time getting approved.



In return for your financial diligence and responsibility, you enjoy the lowest interest rates and the best repayment terms on everything from home loans to credit cards to auto loans. When it comes to employability, you will be seen as a dependable candidate for the job and insurance companies will favor you because you pose zero risk of insurance fraud or late payments.
If your score is between 700 and 750, then you have a good credit history with possible minor issues that may not be your fault at all.
Although you have displayed personal financial responsibility using multiple lines of credit, you’ll likely have to pay a little more when it comes to interest payments (in comparison to those with excellent credit). Lenders are more wary of those with fair credit because they pose a risk of late or slow payments (or default), and even if you do qualify, you may be asked to offer collateral, which is a tangible piece of property that can be seized if you default on your loan.
With fair credit, jobs in the finance sector may be difficult to come by, and insurance carriers may charge higher premiums to cover the potential risk of nonpayment or insurance fraud. If you have a score of less than 500, consider starting with a secured credit card, which uses funds that you deposit upfront, like a debit card, except it can repair your credit score over time. Lastly, considering the recent housing crisis, most mortgage lenders won’t lend unless you have fair credit. A Chinese state-run newspaper says Siberian tigers at a wildlife park in Beijing mauled a woman to death and wounded another when they stepped out of a car in an enclosure.The Legal Evening News said late Saturday that a tiger pounced on one of the women after she got out of a private car in which she had been touring the Beijing Badaling Wildlife World earlier in the day. This is very much the case with the Ferrari 458 Italia, which is a massive leap forward from the company's previous mid-rear engined sports cars.
For this reason Ferrari chose to add the name of its homeland to the traditional figure representing the displacement and number of cylinders.
This is particularly evident in the speed and precision with which the car responds to driver inputs and in the attention focused on reducing internal friction in the engine for lower fuel consumption than the F430, despite the fact that both overall displacement and power have increased. The Ferrari 458 Italia has a compact, aerodynamic shape, underscoring the concepts of simplicity, efficiency and lightness that inspired the project. The engineers have developed specific, sportier gear ratios to match the power and torque curves of the new V8, guaranteeing high torque even at lower engine speeds and allowing the car to reach its maximum speed in top gear.
Along with a more direct steering ratio, the 458 Italia thus offers extremely rapid turn-in and body control whilst maintaining superior ride comfort. The evolution of the control logic, with even faster and more accurate calculation of levels of grip, ensures even greater roadholding, better handling and ease of control on the limit. The brakes also feature a prefill function whereby the pistons in the callipers move the pads into contact with the discs on lift off to minimise delay in the brakes being applied.
The driver is welcomed by a new layout and a revolutionary ergonomic interface where the main controls are all clustered on the steering wheel.
The company now offers two models that share a common, race-derived DNA, both exceptionally sporty and fun to drive in true Ferrari tradition, but aimed at two very different kinds of client. I had a new headliner installed a few years back and it is starting to slightly sag on the back right, it could probably be pulled tighter just never got around to having it done. A crooked, misplaced or missing badge can be a telltale sign that there has been some sort of body or paint work. While the Japanese brand hasn't started bragging about attaining the first Top Safety Pick+ for minivans, it's all too happy to brag about another first - the world's first van with a built-in vacuum cleaner. Called HondaVAC, this tidy little sucker was co-developed with Shop-Vac, and it's actually pretty neat. It looks to be a neat little feature, one that families will no doubt get a lot of use out of. Chief among those players is Honda, which is showing its revamped 2014 Odyssey at this week's New York Auto Show with a potential game-changing feature – an in-car vacuum. Accounts are penalized for Community Guidelines violations and serious or repeated violations can lead to account termination. Reminiscent of our school days, consumers are basically “graded” on how well we manage our finances, ranging from Excellent to Poor, rather than A to F.
This is a statistics-driven evaluation of your credit accounts, debts, liens or other judgments on your record, history of payments (on time, late, nonpayment, etc.), and other credit-related information that the three credit bureaus take into consideration when it comes to calculating your credit score. Many employers are interested in the credit worthiness and financial responsibility of their potential employees, so many businesses run background checks to determine the stability of your credit. Since lenders are adverse to taking on excessive risk without significant benefits in return, such as lending to someone with a poor history of paying back loans, the more comfortable they feel about lending money to you, the less interest they’ll charge.
Thanks to the Fair and Accurate Credit Transactions Act (FACT Act), consumers are entitled to one free credit report from each of these bureaus once per year.
Maxing out your credit cards has an adverse effect on your score, so always try to use less than 50% of your available credit. Companies that will work with you will charge very high interest rates or require significant collateral.
The absolute best rates are given to those with scores over 770, but as long as you have 750 or higher, all lenders and banks will want to loan money to you. You may have an excellent history of making payments on-time, but maybe your credit history isn’t as long, your credit mix is a bit skewed, or your debt-to-income ratio is high, causing you to use a large portion of your available credit. However, qualifying for one of the lower mortgage rates or a cheap auto loan should be no issue, and almost all credit card companies will approve you. Maybe your debt to income ratio is higher than average, or you have some late payments, collections accounts, bankruptcy, or liens on your record.


This makes the lending and borrowing process equally risky for both parties, rather than shifting all the risk onto the lender. To alleviate the cycle of ever-increasing interest payments, be sure to pay your bills on time every month and never miss a payment.
Qualifying for loans, credit cards, or lines of credit is remarkably difficult and if you manage to secure one, then the interest rates are going to be crippling. If you don’t want a secured credit card, live off of cash – don’t spend anything you don’t have in your wallet at the moment. You could also make an appointment with a credit counselor to determine what steps you need to take to improve your credit score and get into a position where lenders and credit card companies would consider taking a risk on you. At the bare minimum, many banks won’t even lend unless you have a sizable down payment and good or excellent credit.
If you’re unhappy with your score, there are multiple ways to improve your credit, such as managing payments more effectively, offering collateral as down payment on loans, or using secured credit cards to rebuild your credit score. However, Ferrari's track experience makes its presence felt in the 458 Italia not only in terms of pure technological transfer but also on a more emotional level, because of the strong emphasis on creating an almost symbiotic relationship between driver and car. While the Ferrari California was created for owners requiring a more versatile sports car with a practical edge, the 458 Italia is designed for owners for whom the priority is uncompromising on-road performance with occasional track day capability, but who still demand a car that is useable in day-to-day driving like all Ferrari's recent models. For this reason, Honda is suggesting that some owners of the 2013 Odyssey take their vans into the dealership for a little rebadging. According the Insurance Institute for Highway Safety, Honda requested that the agency run the updated Odyssey through its full barrage of tests, and for good reason.
That price marks a $150 increase over the 2013 model, but that extra Benjamin and a half buys you a whole slate of updates. It comes standard on Odyssey's top-trim Touring Elite model and can be fitted with a wide range of attachments all housed in the cargo area. There are a few legitimate ways to view your credit score online, but it helps to first know what to look for and what it all means. Each of these bureaus have their own proprietary formulas, but home mortgage lenders, car loan officers, personal or business loan managers, and even insurance companies typically use your FICO score or the average score from all 3 credit report agencies. You probably pay your bills on time and have been doing so for a very long time, giving you an excellent and unmarred credit history. If you are interested in purchasing investment properties or buying a small business, excellent credit is what you need. The other possible cause could be that you’ve had a late payment or two in your past and it is slowly being faded out, but still has some affect, hence the lower credit score. Finally, employers and insurance companies still love people with good credit, so you’re in a good place overall. The point is: there have been a few bumps in the road where your credit history is concerned and while you probably still qualify for most mortgages, credit cards, and lines of credit, your interest rates will be significantly higher than if you had a good credit score. Slowly pay off any credit card debt, resolve issues with open collections, and do not take on additional debt for the foreseeable future to avoid increasing the use of your available credit.
Those in between the 570 to 639 range will probably still qualify for home loans, but if you’re below this mark (less than 570), you need to focus on improving your credit score before a lender will even consider extending you some funds. So, if buying a home is an investment you’d like to make in the future, do everything you can to get that credit score out of the “poor” range.
Once you work your way up to excellent or good credit, you’ll receive better interest rates, banks will feel much more comfortable lending to you, and investment opportunities may open up.
The 458 Italia features an innovative driving environment with a new kind of steering wheel and dashboard that is the direct result of racing practice.
The front features a single opening for the front grille and side air intakes, with aerodynamic sections and profiles designed to direct air to the coolant radiators and the new flat underbody. Maximum torque is 540 Nm at 6000 rpm, over 80 per cent of which is available from 3250 rpm.
Car is as advertised, local inspections welcome and encouraged but please do so before the auction ends. Those include a new six-speed automatic transmission in all trims, revised exterior styling and a few tweaks to the instrument cluster and dash controls. The report says the second woman was killed by another tiger that leapt at her after she stepped out of the vehicle to try to help her companion.The Yanqing district government confirmed the tiger attack at the park. Once again input from Michael Schumacher - who was involved from the very start of the 458 Italia project - played an invaluable part. The nose also sports small aeroelastic winglets which generate downforce and, as speed rises, deform to reduce the section of the radiator inlets and cut drag. However, what is truly extraordinary is the amount of torque available while still maintaining high levels of power at low revs.



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