Investment

Investment is putting money into something with the hope of profit. More specifically, investment is the commitment of money or capital to the purchase of financial instruments or other assets to gain profitable returns in the form of interest, income {dividend}, or appreciation of the value of the instrument. It is to saving or deferring consumption. Investment is involved in many areas of the economy, such as business management and finance no matter for households, firms, or governments. An investment involves the choice by an individual or an organization to place or lend money in a vehicle, instrument or asset, such as property, commodity, stock, bond, financial derivatives. It may be a foreign asset denominated in foreign currency that has certain level of risk and provides the possibility of generating returns over a period. Investment comes with the risk of the loss of the principal sum. The investment can be highly risky with respect to the investment owner because the possibility of losing money is not within the owner's control. The difference between speculation and investment can be subtle. It depends on the investment owner's mind whether the purpose is for lending the resource to someone else for economic purpose or not. In the case of investment, rather than store the good produced or its money equivalent, the investor chooses to use that good either to create a durable consumer or producer good, or to lend the original saved good to another in exchange for either interest or a share of the profits. In the first case, the individual creates durable consumer goods, hoping the services from the good will make his life better. In the second, the individual becomes an entrepreneur using the resource to produce goods and services for others in the hope of a profitable sale. The third case describes a lender, and the fourth describes an investor in a share of the business. In each case, the consumer obtains a durable asset or investment, and accounts for that asset by recording an equivalent liability. As time passes, and both prices and interest rates change, the value of the asset and liability change. An asset purchase, or equivalently a deposit is in a bank, in hopes of getting a future return or interest from it. The word originates in the Latin-meaning garment, and refers to the act of putting things into others' pockets. The basic meaning of the term being an asset held to have some recurring or capital gains. An asset expected to give returns without any work on the asset per se. Economists refer to a real investment, while financial economists refer to a financial asset, such as money put into a bank or the market, which may then be to buy a real asset. The investment decision is one of the fundamental decisions of business management: Managers determine the investment value of the assets that a business enterprise has within its control or possession. These assets may be physical, intangible, or financial. Assets are to produce streams of revenue that often are associated with particular costs or outflows. All together, the manager must determine whether the net present value of the investment to the enterprise is positive using the marginal cost of capital that is associated with the particular area of business. In terms of financial assets, these are often marketable securities such as a company stock or bonds. At times, the goal of the investment is to produce future cash flows, while at others it may be for the purpose of gaining access to more assets by establishing control or influence over the operation of a second company.

Limousine

A limousine is a longer luxury car. The chassis may have been extended by the manufacturer or by an independent coach builder, traditionally black or white in color. Limousines come in other colors, however, have also been used for limousines, such as pink, magenta, or blue. Limousines are most commonly driven by chauffeurs and until the mid-1990s were most often associated with the wealthy. While some limousines are owned by individuals, many are owned by governments to transport senior politicians, by large companies to transport executives, or by broadcasters to transport guests. Most limousines, however, operate as livery vehicles, providing up market competition to taxicabs. The word limousine is derived from the name of the French region Limousin, and is associated with the long cloaks once worn by the shepherds there. Newer limousines such as the Maybach 62, Audi A8L, Mercedes-Benz S-Class, Hummer H2, Leyland Miracle, BMW 760li, Lincoln Town Car;L Edition,and the Cadillac DTS do not feature such seats since stretch limousines are usually used to transport more than three passengers, excluding the driver. In production American limousines however, the jump seats almost always faced forward. The last production limousine, by Cadillac, with forward facing jump seats was in 1987, the last Packard in 1954, and the last Lincoln in 1939, though Lincoln has offered limos through their dealers as special order vehicles from time to time. Vehicles of this type in private use may contain expensive audio players, televisions, video players, and bars, often with refrigerators.

It is simpler and more straightforward to determine the effects of altering a separate chassis than it is to determine the effects of altering a load-bearing unit body. For this reason, the automobile of choice for conversion into stretch limousines is currently the Lincoln Town Car, whose Panther platform is one of the last remaining automotive platforms using a separate load-bearing chassis.[citation needed] However, coachbuilders have recently built many new models based on SUVs with separate load-bearing chassis, including Hummer H2s and H3s.

A Lada "limousine" in Trinidad, CubaAnother type of vehicle modified for multiple passenger use is the motorized stage, applied to the same tasks as the earlier stagecoach. It is not considered a true limousine but rather in its design and application is between a sedan and a bus. While a bus will have a central interior aisle for access to seating, a stage has multiple doors that allow access to transverse forward facing seats. Examples of the type were constructed not only from sedans (e.g., Chrysler New Yorker, Cadillac DeVille), but also from station wagons; many of the station wagon conversions sported a large rack, running the length of the roof, for carrying the passengers' baggage.

This type of vehicle was once rather common in some locations. An example of its use was in the transport of travelers arriving by railroad at Merced, California to Glacier National Park and Yosemite National Park in the first half of the 20th century. In Glacier National Park, these were referred to as "Jammers" in reference to the nickname of their gear-jamming drivers. In Yosemite, passengers would then stay in rustic platform tent camps or more expensive lodges and hike or rent bicycles for movement around the park. A modern version of the stage is seen in some novelty stretch Hummer or Hummer H2 vehicles. Some funeral homes maintain six-door stages to carry the family of the deceased between the church and the cemetery. These are usually not used for private hire.

A limousine based on a Ford ExcursionSometimes a coach builder or car designer will develop the "ultimate" stretch limo, adding amenities that are somewhat impractical but which make a significant design statement. One such design includes double rear axles to support the weight of an operational hot tub. Coach builders can perform aftermarket extensions on luxury sedans and SUVs. These extensive limousine conversions have been performed on several luxury marques, including: Audi, Bentley, BMW, Cadillac, Chrysler, Ford, Holden, Hummer, Infiniti, Jaguar, Lexus, Lincoln, Mercedes-Benz, Rolls-Royce and Volkswagen. In the United States the most popular vehicles for stretch limousines conversion are the Lincoln Town Car, Cadillac DTS, Hummer H2, Ford Excursion, and the Lincoln Navigator. There are even instances of Corvettes and VW Bugs being stretched to accommodate up to 10 passengers. Most custom coach builders are located in the United States and Europe and cater mainly to limousine companies. Few such vehicles are available for public hire. A typical price to buy a Lincoln Town Car sedan and have it stretched to hold 6 passengers is approximately USD $85,000 depending on the additional features added into the vehicle. In addition to luxuries, security features such as armoring and bulletproof glass are available.

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