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• Auto

  7 safest pickup trucks to buy in 2023

  An individual puts in a lot of research when buying a pickup truck, such as its ability to transport heavy loads or ride on unpaved terrains. They may also check to see if the vehicle comes with all the latest features in the market. Another essential element that people look for in a pickup truck is safety. While there are multiple choices available, here are some of the safest pickup trucks to buy in 2023.

  Ram 1500
  The Ram 1500 is one of the safest pickup trucks in the market today and comes with a host of available driver-assistance technology. This includes lane keep assist and automatic emergency braking. The automobile also received a five-star overall safety rating from the National Highway Traffic Safety Administration (NHTSA). The price of the pickup truck starts from about $38,000 for the base trim. Customers could also get safety features such as blind-spot monitoring and rear cross-traffic alert at an additional price. Other available features include adaptive cruise control and automatic high-beam headlights. The base trim comes with a 3.6L Pentastar® V6 engine with eTorque. This setup is capable of generating up to 273 lb-ft of torque and 305 horsepower. The standard engine is also capable of hauling more than 7,000 lb. of loads, which is impressive when compared to its price tag.

  Jeep Gladiator
  The Jeep Gladiator is one of the most impressive trucks known for its stellar towing capacity while maintaining the pickup design. The automobile starts at about $39,000 but could cross the $55,000 mark for the top variant. At that price, the base model is equipped with a 3.6-liter V-6 that produces 285 horsepower and 260 lb-ft. of torque. This setup is capable of hauling up to 4,000 pounds. On the safety front, the pickup truck comes with standard side curtain airbags on select trims for both first- and second-row passengers. Other trims come with a front-facing camera that is useful when going off-road, over rough rocky terrain. Optional features include a blind-spot monitoring system, adaptive cruise control, and rear parking sensors.

  GMC Sierra 1500
  The GMC Sierra 1500 has earned an impressive five-star overall rating from the NHTSA. Each of the Sierra trims is equipped with standard safety essentials like blind-spot monitoring, emergency braking, and automatic high beams. One could also go for adaptive cruise control and a 360-degree view camera system with higher trims. The stellar pickup truck starts at $38,000, with a 2.7L turbo high-output engine delivering 310 horsepower and 430 lb.-ft. of torque. But one could opt for the highest variant over $82,000 for a powerful 6.2L V8 Gas engine. Also, an Enhanced 3.0L Duramax Turbo-Diesel engine is available for an additional price.

  Ford F-150
  Ford creates some of the most reliable and desirable pickup trucks, and the F-150 is by far one of the best we’ve seen in 2023. A few noteworthy standard features of the pickup truck include a rearview camera with dynamic hitch assist, standard airbags, curve control, and a tire pressure monitoring system. Other features that make the automobile safe include a perimeter theft alarm, SecuriLock® Passive Anti-Theft System, and an SOS post-crash alert system. The vehicle has also received a five-star overall NHTSA safety rating, which ought to relieve some amount of stress when on the road. Coming to the price, the base trim of the Ford 150 starts from about $33,000, which is competitive in comparison to other pickup trucks in its segment. One could also go for the fully loaded trim of the F-150, which starts at about $76,000.

  Ford Ranger
  Another popular pickup truck known for maintaining its safety is the Ford Ranger. This starts at about $32,000, which is indicated for customers who desire a good pickup truck at a reasonable rate. The base model of the range comes with basic driver-assistance features, such as a forward-collision warning and an automated emergency braking system. More advanced technology comes in on the higher trims. However, these available features are still more affordable when compared to other vehicles in the segment. One could opt for the available blind-spot monitoring, adaptive cruise control, and rear cross-traffic alert systems based on the trim they pick.

  Chevrolet Silverado 1500
  With a starting price of about $37,000, the Chevrolet Silverado is one of the top safety picks to consider. The vehicle comes with a standard TurboMax® engine that can churn out up to 310 horsepower and about 430 lb.-ft. of torque, which is sufficient power to go the extra mile and haul significant loads. However, the key aspect in focus here is its safe structure, which earned a 5-star overall rating by the NHTSA. A few notable standard safety elements on the Chevrolet Silverado 1500 are the forward collision warning and automated emergency braking system, lane-departure warning, and lane-keeping assist. Blind-spot monitoring and rear-cross-traffic alert are also standard on the pickup truck.

  Honda Ridgeline
  Starting at $39,000, the Honda Ridgeline is yet another pickup truck that is also safer in the city and on the highway. It performs well in NHTSA safety testing, with a five-star overall rating, and also received good ratings by the IIHS in most safety evaluations. What makes it worth the price on the safety front are the standard features like automatic emergency braking, automatic headlights, and lane-keeping assist. One could also consider going with the automatic high beams on offer for better visibility on the road. Apart from safety, the vehicle comes with a comfortable driving experience, with a spacious cabin and weatherproof below-the-bed cargo box.

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• Auto

  15 SUVs with top safety features

  Safety is one of the most crucial factors when it comes to choosing a vehicle. With advancements in automotive technology, SUVs have become a popular choice for families, individuals, and adventure enthusiasts alike. This guide explores the top 15 safest SUVs available today, offering a look at their key safety features and technologies. From crash-test performance to advanced driver-assistance systems, these vehicles prioritize driver and passenger safety without compromising on style, comfort, or performance.

  Subaru Outback
  The Subaru Outback stands as a testament to Subaru’s dedication to safety. Equipped with the EyeSight Driver Assist Technology, it offers features like adaptive cruise control, pre-collision braking, and lane departure warning. These elements work in tandem to provide an extra layer of protection. The Outback is lauded for its spacious interior and impressive cargo space, making it an ideal choice for families and outdoor enthusiasts.

  Volvo XC60
  The Volvo XC60 is a paragon of safety, boasting features like automatic emergency braking, lane-keeping assist, and a comprehensive airbag system. Its elegant design and high-quality materials contribute to a luxurious and secure driving experience. The XC60 prioritizes collision avoidance and protection, making it an excellent choice for those who value safety without compromising on style.

  Toyota RAV4
  Toyota’s RAV4 is a pioneer in safety, featuring the Toyota Safety Sense 2.0 suite. This has features such as adaptive cruise control, lane departure warning, and pedestrian detection. These technologies work harmoniously to minimize the risk of accidents, ensuring the safety of both drivers and passengers. With a reputation for reliability and great resale value, the RAV4 is a practical and secure choice.

  Honda CR-V
  The Honda CR-V is a versatile SUV with advanced safety features like forward collision warning, lane-keeping assist, and adaptive cruise control. These technologies enhance both driver and passenger safety, making the CR-V an excellent choice for individuals and families seeking a secure ride. Additionally, the CR-V offers a spacious and well-designed interior for maximum comfort during long journeys.

  Mazda CX-5
  The Mazda CX-5 combines engaging driving dynamics with impressive safety features. Equipped with i-Activsense, Mazda’s suite of advanced safety technologies, the CX-5 includes features like blind-spot monitoring, adaptive headlights, and rear cross-traffic alert. These systems work cohesively to mitigate the risk of accidents and collisions.

  Audi Q5
  The Audi Q5 seamlessly blends luxury with safety, offering a premium SUV experience without compromising on security. With advanced driver assistance systems like Audi pre-sense city and rear cross-traffic assist, the Q5 provides an extra layer of protection on the road. Its quattro all-wheel drive system enhances stability and control, ensuring a safe and confident driving experience in various conditions.

  Mercedes-Benz GLE
  The Mercedes-Benz GLE epitomizes luxury and safety. Loaded with the latest safety features, including things like attention assist, active brake assist, and blind spot assist, the GLE leaves no stone unturned when it comes to safeguarding its occupants. Its sophisticated technology and meticulous engineering provide a secure driving experience.

  Jeep Cherokee
  The Jeep Cherokee strikes a balance between ruggedness and safety. The Jeep Cherokee strikes a balance between ruggedness and safety. Sporting advanced safety features like adaptive cruise control, forward collision warning and warning for lane departure, it ensures a secure ride both on and off the road. The Cherokee’s sturdy build and off-road capabilities complement its safety features, making it a fantastic choice for adventurous souls who prioritize safety.

  Ford Escape
  The Ford Escape boasts a comprehensive suite of safety technologies, including the Ford Co-Pilot360. This includes features like blind-spot monitoring, automatic emergency braking, and rear cross-traffic alert. These systems work in tandem to provide an added layer of security on the road. With its plush interior and ample cargo space, the Escape is a good choice for families seeking a safe and practical SUV.

  Chevrolet Equinox
  The Chevrolet Equinox is designed with safety in mind, featuring an array of advanced safety technologies. The Equinox is equipped with features like lane keep assist, forward collision alert, and rear park assist, and it offers a secure driving experience. Its spacious interior and user-friendly infotainment system further enhance its appeal, making it a solid choice for safety-conscious families.

  Nissan Rogue
  The Nissan Rogue prioritizes safety with its Nissan Safety Shield 360 suite of features. This includes automatic emergency braking, blind-spot warning, and rear cross-traffic alert. These systems work harmoniously to enhance driver and passenger safety. The Rogue’s carefully crafted interior and smooth ride quality add to its appeal, making it a reliable choice for those seeking a secure SUV.

  Hyundai Tucson
  The Hyundai Tucson comes equipped with a host of safety features, including forward collision avoidance, lane-keeping assist, and driver attention warning. These technologies work cohesively to minimize the risk of accidents and collisions. With its comfortable and spacious interior, the Tucson offers a secure and enjoyable driving experience, making it a commendable choice for safety-conscious buyers.

  Kia Sportage
  The Kia Sportage is engineered with safety as a top priority. Equipped with advanced driver-assistance features like lane departure warning, forward collision avoidance, and blind-spot detection, it provides a secure driving experience. The Sportage’s comfortable and well-appointed interior, along with its user-friendly infotainment system, further contribute to its appeal as a safe and practical SUV.

  Subaru Crosstrek
  The Subaru Crosstrek is renowned for its safety features, earning high marks in crash tests. Subaru’s EyeSight Driver Assist Technology, includes adaptive cruise control and pre-collision braking, so the Crosstrek is equipped to mitigate potential accidents. Its all-wheel-drive system further enhances stability and control. The Crosstrek’s versatility, along with its impressive safety credentials, makes it a strong contender in the safety-focused SUV category.

  Mazda CX-5
  The Mazda CX-5 is designed with a comprehensive suite of safety features, including Mazda’s i-Activsense technology. This includes advanced features like adaptive cruise control, lane departure warning, and blind-spot monitoring. These systems work in unison to provide an extra layer of protection. The CX-5’s upscale interior and engaging driving dynamics add to its appeal, making it a desirable choice for those seeking both safety and style.

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• Auto

  15 reasons to buy a 2023 Subaru Forester

  The 2023 Subaru Forester is a remarkable SUV in the automobile market. With its impressive array of features, the Forester is not merely a means of transportation; it’s an experience in itself. In this comprehensive guide, we’ll delve into why the 2023 Subaru Forester deserves one’s attention, from its rugged design and advanced safety technology to its efficient performance and versatile interior. Buckle up as we explore what makes the Forester exceptional in its class.

  Rugged yet stylish exterior
  The 2023 Subaru Forester effortlessly balances ruggedness with style, making it an appealing choice for adventurers and urbanites alike. With its bold front grille, sleek LED headlights, and distinctive body lines, the SUV exudes a modern and confident presence on the road. The higher ground clearance and standard roof rails hint at its adventurous spirit, ready to tackle both the concrete jungle and the unbeaten path.

  Symmetrical all-wheel drive (AWD)
  One of Subaru’s standout features is its symmetrical AWD system, which can be seen in the 2023 Forester. This AWD system provides exceptional stability, control, and traction, ensuring the vehicle is equally comfortable on slick city streets and challenging off-road terrain. Whether drivers encounter rain, snow, or rough trails, the Forester’s AWD keeps one confidently in command.

  Boxer engine efficiency
  Under the hood, the 2023 Forester boasts a responsive 2.5-liter Boxer engine. This horizontally opposed engine design offers several advantages, including reduced vibration, improved balance, and enhanced efficiency. With 182 horsepower and 176 lb-ft of torque, the Boxer delivers a spirited yet fuel-efficient performance. Expect smooth acceleration and efficient highway cruising, all while sipping fuel at an impressive rate.

  Spacious and comfortable interior
  On stepping inside the 2023 Forester, one discovers a spacious and comfortable cabin designed with both driver and passengers in mind. The generous headroom and legroom in the front and rear seats ensure everyone travels comfortably, even on long journeys. High-quality materials and thoughtful design details make the interior a welcoming and refined space.

  Award-winning safety features
  Safety is prioritized in the 2023 Forester. Subaru’s advanced EyeSight® Driver Assist Technology, including adaptive cruise control and lane-keeping assist, comes standard on most trim levels. The Forester has consistently received high safety ratings, making it a trusted choice for families and safety-conscious drivers.

  Cutting-edge technology
  The Forester seamlessly integrates technology into one’s driving experience. Its STARLINK® Multimedia system offers intuitive access to apps, entertainment, and navigation through a user-friendly touchscreen. With smartphone integration, users can connect their iOS or Android device effortlessly. Higher trim levels add features like a premium audio system and an eight-inch touchscreen, further enhancing the journey.

  Impressive cargo capacity
  Versatility is a hallmark of the 2023 Forester. Whether running errands or embarking on a weekend getaway, customers will appreciate the SUV’s cargo space. With the rear seats folded down, one has up to 74.2 cubic feet at their disposal, making it easy to transport sports gear, groceries, or luggage easily.

  Off-road capability
  For those with a sense of adventure, the Forester’s X-MODE® offers enhanced off-road capability. It optimizes the engine, transmission, AWD, and brakes to improve traction on slippery or steep terrain. Whether navigating muddy trails or rocky paths, the Forester keeps drivers on track and in control.

  Eco-friendly engineering
  Subaru is committed to sustainability, aiming to achieve zero emissions at its manufacturing facilities by 2030. The 2023 Forester reflects this ethos. The vehicle is built in a zero-landfill plant and features a start-stop system that improves fuel efficiency by automatically shutting off the engine when idling.

  Resale value and reliability
  Subaru vehicles, including the Forester, have a strong reputation for reliability and long-term durability. This reliability is reflected in their excellent resale value. When investing in a 2023 Forester, buyers are not just getting a vehicle for today but making a smart choice for the future.

  Excellent visibility
  When behind the wheel, a clear view of the surroundings is essential for safety. The 2023 Subaru Forester offers excellent visibility thanks to its large windows, well-placed side mirrors, and smartly designed pillars. This visibility isn’t just for the driver; passengers also enjoy panoramic views of the world outside, making every ride more enjoyable.

  Towing capability
  The Forester offers impressive towing capabilities for those needing to tow trailers or recreational equipment. With a towing capacity of up to 1,500 pounds, one can confidently haul small trailers, campers, or boats, expanding their adventure possibilities.

  Plentiful storage solutions
  Subaru has paid meticulous attention to providing practical storage solutions throughout the Forester’s interior. From ample cupholders and door pockets to a center console and spacious glovebox, users will find convenient places to stow away their essentials. There’s even a dedicated smartphone storage area with USB ports for charging!

  Respected brand reputation
  Subaru has built a reputation for manufacturing reliable, well-engineered vehicles well-suited to a wide range of lifestyles. The Forester is a testament to Subaru’s dedication to quality and innovation, and it consistently receives accolades from industry experts and owners alike.

  Variety of trim levels
  The Forester lineup offers a variety of trim levels, allowing customers to choose one that best suits their preferences and budget. From the base model to the more feature-rich options, buyers will find a Forester that aligns with their needs.

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• Investments

  9 common mistakes to avoid when opening a certificate of deposit (CD)

  A certificate of deposit (CD) is a popular savings instrument. Here, customers earn interest on a lump sum amount locked in for a fixed period. Unlike a regular savings account, the amount invested must remain untouched throughout the term. Failing to do so may invite penalty fees or result in a loss of interest. CDs offer a higher rate of return for the lost liquidity. Avoid these nine common mistakes when opening a CD.

  Withdrawing the money too soon
  CDs promise a higher rate of return due to the fixed lock-in period. Withdrawing money from an immature CD can be expensive, as lenders typically levy an early withdrawal penalty. The cost may vary from bank to bank. Many opt for liquid CDs, which do not incur a fee when you withdraw the principal amount early. However, these CDs offer lower interest rates and may not be as lucrative as regular ones.

  Signing up for a very long term
  CDs come in different lock-in periods, the most common being six months, twelve months, two years, and five years. The Federal Reserve meets several times yearly to review interest rates for different tenures based on the economic situation. Currently, the interest rates on long-term CDs are not as attractive as before. However, some experts believe the Fed might hike the rates soon, so holding back for a while would be wise. Instead of locking in $10,000 into a five-year CD today, you could diversify your investment, creating $1,000 CDs with shorter and staggered term lengths. As the CDs mature in the coming months, you can close them and open new ones for a better rate.

  Not checking what different banks are paying
  Many open CDs in a bank they already have an account with, which could be a mistake. You must shop around and check the rates of interest offered by other banks. Comparing will help you receive the best returns on your savings. Online banks usually offer higher interest rates on savings accounts and CDs than their brick-and-mortar counterparts.

  Failing to diversify CD investments
  The term “diversification” is often used when talking about investing. It refers to the practice of having a variety of investments, such as stocks, bonds, and CDs. Diversification helps reduce the loss in case one investment fails to perform. Interestingly, you can also diversify CDs or indulge in what is known as CD laddering. Here, you set up multiple CDs scheduled to mature at different times using a combination of short-term and long-term deposits. Staggering lets you access your funds regularly and provides an opportunity to upgrade to a higher interest rate.

  Ignoring other high-return savings options
  CDs are low-risk, low-return savings instruments. Investing all your money in them may reduce liquidity and stall earnings over the years. Additionally, money tied up in a CD does not grow at the same rate as the cost of goods and services. So, instead of focusing on a single investment option, consider several types to meet your financial goals. The ones you choose must align with your risk tolerance and liquidity requirements. People looking for higher long-term returns may find an IRA or a 401(k) rewarding. Those looking for better liquidity may find a high-interest savings account appealing.

  Opening a CD instead of clearing high-interest debt
  Consider your existing debts when planning investments. If the interest rate on your debts is higher than the interest rate of your CD, you may make losses. As a rule of thumb, pay off high-interest debts before making long-term investments with modest rates of return.

  Letting the CD roll over
  Once the lock-in period ends, do not let the CD roll over into a similar term at the same institution. Sure, it saves time and effort, but it fetches a lower rate of return. In some places, the CD may even turn into a regular savings account with lower rates of interest. Instead, begin to shop around as the CD nears its maturity date. Look into higher-yielding CDs and other investment options for the best possible returns.

  Ignoring odd-term CDs
  Some of the best CDs happen to have unconventional lock-in tenures. Often advertised as standout offerings for periods like 5-, 17-, or 21 months, these odd-term CDs can be gainful options. They may be offered to attract new customers, celebrate an anniversary at the bank or credit union, or for another reason. Keep your mind open to these unconventional options as they allow you to earn better rates of return.

  Opening a fee-based account first
  Many banks and credit unions may require you to open a checking account before setting up a CD. Ensure these accounts do not have overhead costs. Since the earnings on CDs are fairly modest, fees from checking accounts can significantly reduce your net profit.

  Although CDs are a relatively safe and wise investment option, stay aware of these common mistakes and avoid them diligently. Doing so can help you receive the highest possible rates of return to maximize your savings. Research before investing and consult a financial expert if you need more clarification. Also, read the policy’s terms and conditions carefully to avoid misunderstandings.

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