Q. I am about to buy my first car and I think a hybrid is a good idea considering the high cost of gas. Is it really more cost-efficient?

A. There's little doubt that the hybrid is more environmentally friendly, but consider the following before deciding it is the most economical choice:

• Higher sticker price— anywhere from $4,000 to $8,800 more than their all-gasoline powered equivalent.

• Gas mileage estimated by the EPA on the window sticker does not represent your driving habits. You will see savings, but don't expect to make up the higher purchase price with savings at the pump right away.

• Federal tax credits will be expiring as sales increase, so get a move on to take advantage. Your state may offer tax credits for certain models.

• According to a Consumer Reports study, the Toyota Prius and Honda Civic are the only models that will save you money after five years—but that's just until their federal tax credits expire.

• Your employer or insurance company may offer incentives for your ecological efforts.
 

Q. Which satellite network is better: Sirius or XM?

A. XM and Sirius are the two highly competitive satellite radio providers in the U.S. XM has already had a rough year with the Federal Trade Commission investigating its marketing practices and the Recording Industry Association suing for infringement.
Sirius pulls in less money, but the network's revenue is projected to grow 157 percent in 2006 compared to XM's expected 70 percent. Part of this gain is attributed to Sirius signing Howard Stern, and absorbing his huge fan base. Exclusive deals with celebrities and major league sports are creating more audience loyalty. Some analysts suggest that the two will eventually merge, but until then choose the network that has content you will listen to and enjoy the most.
 

Editor's Note: When answering your questions, brass consults with experienced professionals from a wide spectrum of industries. We utilize their expertise to give you the answers you need, but it is always wise to seek additional opinions from other professionals.

Sources: consumerreports.org; chicagotribune.com; grist.org; sirius.com; xmradio.com; cnnmoney.com