7 safest pickup trucks to buy in 2023
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.

  • Diagnosis and treatments of multiple sclerosis

    There are no specific diagnostic tests for the diagnosis of Multiple Sclerosis. The general approach is to test for usual diseases that have similar symptoms and eliminate the likely conditions. A diagnosis is then arrived at by elimination of the common conditions that mimic MS. This method of diagnosis is often employed to diagnose difficult diseases and the technique is called differential diagnosis. It is very important to get a detailed clinical history. This helps the doctor to eliminate many diseases and concentrate on a few. A blood test is done to confirm the results help to avoid similar diseases. Specific markers of specific antibodies for MS in the blood is being developed. This help in diagnosis.

    Another test is analyzing the spinal fluid for markers which are specific to different infections and illnesses producing similar symptoms like MS. The tests can also indicate abnormal antibodies associated with MS. The spinal fluid is tapped by inserting a needle into the spinal canal and drawing a small quantity of the fluid.

    MRI is an advanced imaging technique using magnetic forces. MRI stands for Magnetic Resonance Imaging. Often a contrast material in injected intravenously which helps to identify the lesions in the brain and on the spinal cord.

    Evoked potential test, which records the signal the nerves produces on the application of stimuli. The stimuli can be an electrical impulse applied to the legs and the speed with it is transmitted is recorded by electrodes. Alternately it may be a moving visual pattern that is used.

    These advanced tests are used in cases with peculiar symptoms or progressive disease. The more common MS with relapsing-remitting symptoms is fairly straightforward.

    Treatment for MS involves treating the symptoms, checking the progress of the condition and managing the symptoms. Rare people has only very mild symptoms and do not warrant any treatment.

    Medicines are prescribed to reduce inflammation and some can have side effects like hypertension, sleeplessness, mood swings and fluid retention. Medicines should be taken only on prescription by a specialist. Plasma exchange or plasmapheresis is also employed in some cases, in which the patient’s blood cells are separated from the plasma, mixed with a protein solution (albumin) and transfused.

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  • 3 most inexpensive online trademark services

    A trademark can be a name, tagline, or logo to give a unique identification to your product or business. Trademarks are a valuable part of the intellectual property owned by a business, which helps in distinguishing goods and services in the same business sector.

    The cheapest way to get a trademark is to design and register one for yourself. It is recommended to get assistance when working with trademarks because a small error in registration and research can result in conflict from another party. There are online trademark search and registration services, which are cheaper alternatives to hiring a local trademark attorney, and can help you with efficient registration. Mentioned below are three online trademark services that are the cheapest ways to get a trademark.

    Established in 2001, the online trademark service is a reasonable alternative to hiring an attorney for your trademark. It allows you to choose from Basic and Complete coverage plans that are priced at $199 and $219 respectively. The complete coverage also provides color adjustment, digitization, and compilation of your trademark specimens, a feature that not every trademark service provides. LegalZoom is also highly rated due to its ease of use, and easy-to-understand questionnaires to gather necessary information. Moreover, it allows you to check the status online anytime, and provides assistance through call or email.

    It is one of the most popular and cheapest ways to get a trademark for your business. Average Trademark search and registration packages range from $199 to $399 while TrademarkPlus charges between $49 and $149. The trademark service claims to process any trademark search within one business day of receiving application materials. TrademarkPlus helps in identifying similar trademarks that may cause conflict, thereby avoiding the likelihood of application rejection. Its trademark watching service helps protect your business by monitoring your trademark at the national, federal state, or international level. You’ll also get an alert if anyone attempts to use a similar mark.

    Trademark Engine
    Another cheap way to get a trademark is to opt for Trademark Engine. It can be a good choice to trademark your intellectual property of your business. Its basic registration package starts from $99. The Standard Package includes Transfer/Assignment template and six months of trademark monitoring for $149. The Deluxe Package gives you a full year of trademark monitoring and 24-hour processing time for $199. Trademark Engine can also let you perform free trademark search of pending and even live trademarks. It also has its own learning center where it provides answers to various trademark and copyright related questions.

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  • 6 factors to consider to find the right-sized tires for trucks

    Trucks are used to tackling rugged terrain and off-road travel. Having the correct tire size for trucks is critical as that improves ride quality, braking performance, cabin comfort, fuel efficiency, handling, steering directness, and other factors. However, reading and selecting options can get confusing due to the varied aspects involved in a tire’s overall size. Here are the factors to consider while zeroing in on the sizes of tires for trucks:

    Tire width
    Having the right-sized tire allows trucks to have excellent traction and stability on the road. If the tires fitted onto a truck are smaller or bigger, there is an increased risk of accidents or poor ride quality.
    One of the chief components of tire sizes is tire width. One can identify tire sizes by the unique code number written on them. For example, if the number is P225/70R16 91S, then the width of the tire is 225 mm (“P” stands for “passenger vehicle,” “LT” for “Light Truck Tire,” and “ST” for “Special Trailer”).
    If truck owners want their vehicles to have good road grip and cornering ability, they can select wider tires. Wider tires than the one the truck comes with are factory-fitted and positively affect the ride stability. However, one must only go for truck tires that are just the right height. Such tires can increase friction and rolling resistance and, as a result, reduce the vehicle’s fuel efficiency. Also, broader and heavier tires make the steering feel heavy and less stable.
    Tire width also needs to change depending on other factors. For example, narrower tires can provide some good traction on snow during winter, but stability issues will arise again if one goes too narrow.
    Similarly, it makes sense for truckers to go for broader truck tires if their vehicle has immense horsepower and torque. In such cases, the wider tire will provide better acceleration and reduced dangerous wheelspin.

    Tire height
    All these size-measuring components, such as tire height, width, and others, are relative to the measurements of the factory-fitted tires that come with trucks that owners purchase from their local dealerships.
    Taller tires are the ideal choice for increasing the ground clearance of a truck. As a result, selecting such tires means that trucks will not have scraped underbellies even when their owners drive them over rough, undulated, and unforgiving terrain.
    However, the boosted ground clearance comes at the vehicle’s overall handling cost. For example, taller truck tires translate into increased body roll while cornering.
    Additionally, if the tires are too tall or wide, there will be rubbing on the inside of the truck’s wheels, resulting in the frequent wearing of both the tires and wheels.

    Wheel diameter
    In P225/70R16 91S, the 16 denotes the wheel diameter of the tire in inches. As the name implies, wheel diameter is the measurement of the alloy or steel wheel fitted inside the truck tires. The wheel diameter is critical as it also influences the tire thickness.
    Larger wheels will need larger tires. Using more extensive and taller tires, as seen above, will negatively affect the ride and handling of a truck. Therefore, one needs to be careful while selecting wheels. Wheel diameter is a valuable metric for tire buyers as it enables them to select just the right size of tires for their vehicle.

    Aspect ratio
    The number right next to the slash in P225/70R16 91S is the aspect ratio of truck tires. The aspect ratio indicates the overall profile of truck tires. Usually, this number is denoted in percentages. To calculate the aspect ratio, tire makers divide a tire’s height (from its wheel rim) by width. So, the aspect ratio of 70 percent in the above numerical example translates into the tire’s height being 70 percent of its overall width.
    Tires with a lower aspect ratio, say, 60 percent or lower, offer better handling and road grip than higher ratio tires. In return, the ride quality of lower-ratio tires is worse than those with higher aspect ratios.

    Construction type
    The letter next to the aspect ratio in P225/70R16 91S is the construction type of the tire. These generally have two classifications – R for radial and D for diagonal. Now, radial tires are among the most used ones across the country. These tires have their internal ply cords oriented in a radial direction, meaning that they are at a 90-degree angle to the direction of rotation of the tire.
    While selecting tires, one must select these as they offer higher road grip, better mileage, greater ride comfort, higher reliability and durability, and lower rolling resistance.

    Speed rating
    The speed rating indicates the capability of a tire at a particular speed based on the lab tests run by tire makers. In the example, the speed rating is the last number accompanied by the letter S. A vehicle with a speed rating of 120 can cruise at that speed in their truck without the fear of damaging the tire. The higher the speed at which one regularly drives their vehicle, the greater the speed rating should be for their tires.

    By carefully considering these listed elements before buying tires, owners can ensure that the tire sizes are perfect for their specific trucking requirements.

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  • What you need to know about Rheumatoid Arthritis and Lupus

    Rheumatoid Arthritis and Lupus are chronic inflammatory autoimmune diseases. These are conditions where the body attacks and damages its own immune system. Inflammation causes pain, redness, swelling, loss of function, and heat; it can affect internal or external organs or sometimes both.

    The differences between Rheumatoid Arthritis and Lupus

    Rheumatoid Arthritis (RA) is a chronic inflammatory disorder of the joints. It may affect other areas of the body too. It causes pain, stiffness, and swelling affecting the function of joints.

    Lupus is also known as systemic lupus erythematosus (SLE). It is an inflammatory disorder that takes on different forms and affects any part of the body. It affects the skin, heart, lungs, joints, blood, kidneys, and brain. It may cause severe pain and tissue damage.

    Rheumatoid Arthritis and lupus can both affect people of all ages, although the cause is unknown.

    You may experience difficulty sleeping, dry, itchy eyes, or chest pain while breathing. Look for symptoms of weight loss, weakness, depression, or numbing of skin tissues. Make sure to go for a medical diagnosis at the earliest if you feel any of the following symptoms of Rheumatoid Arthritis or Lupus.

    Early symptoms of Rheumatoid Arthritis include:
    – Fever
    – Anemia
    – Joint pain
    – Joint Stiffness
    – Joint swelling
    – Deformity of the joints
    – Joint pain in many places
    – Joint tenderness
    – Loss of joint functions
    – Same joints affected on both sides of the body

    Few early symptoms of lupus include:
    – Unexplained fever
    – Kidney inflammation
    – Fatigue
    – Hair loss
    – Skin rashes (butterfly shaped affecting nose and cheeks)
    – Pulmonary issues
    – Gastrointestinal problems
    – Painful swollen joints
    – Dry mouth or eyes
    – Thyroid problems

    Treatment for Rheumatoid Arthritis and Lupus
    While there is no definitive cure, you can expect to live a normal lifestyle. If you encounter serious complications, you may need strong medication.
    If you experience mild symptoms, you may not need treatment. Make sure to follow your doctor’s instructions and treatment plans on time. You must also concentrate on improving your lifestyle and well-being. Talk to your doctor and find an effective treatment plan best suited for you and make sure to attend all follow-up appointments. Be patient. Don’t be afraid to ask questions. Start low impact exercises like biking, walking, or swimming. Exercise is a great way to improve mental health and stay in a positive mood. Make sure to get plenty of rest and also take breaks between activities. Balancing activities with rest helps reduce fatigue and inflammation. Eat a nutritious and well-balanced diet. Avoid alcohol and smoking as it can worsen symptoms and impair circulation. Protect your skin from sunburns or rashes; make sure to always wear sunscreen, sunglasses, and a hat. Lastly, don’t be afraid to ask for help or join a support group; talking to people with similar experiences can boost confidence and productivity.

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  • Landline vs. business mobile phones

    Businesses can grow at an impressive rate with a good communication system. When operating a business, one may be pressed to consider the different business phone systems and the equipment for the same. You want to get the best business mobile phone, but it is important to know the pros and cons of all types of phones.

    While some feel the need to have both, a landline and a mobile phone, others may choose to opt for either one of them for work. When opting for only one of the options, most professionals tend to lean towards the mobile phone option owing to the mobility advantage.

    Here are a few points to consider when you are trying to decide whether you need both – a landline and a business mobile phone or just one of them.

    • Having a landline phone can give an impression to clients that you are already well set up in terms of the office and team infrastructure. This helps the clients trust a brand easily. It also makes the business look more professional.
    • Mobile phones can be carried anywhere which makes sure that you don’t miss any important calls that may be made when you are out of office or during non-business hours. A business mobile phone ensures continuous access to the users.
    • Landline phones do not have the issue of insufficient network coverage which one may face with a mobile phone. A lot of time clients or team members often cannot communicate well when there is an issue with the network coverage. Call dropping between an important conversation is not a problem you have to worry about with a landline business phone.
    • A business mobile phone number may not be ideal when there is a large team involved in the company. It is time-consuming for clients to call one mobile number after the other. A good landline business phone would mean a central point of contact from which the calls can be transferred to the concerned person conveniently.

    The choice of whether business owners should go for only a business mobile phone or a landline connection or both depends on the scale of the business and the costs the company is willing to incur.

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  • The difference between cash and stock dividends

    Dividends are when a company distributes a portion of its profit to its shareholders. There are two types of dividends “ cash and stock. The difference between the two types of paybacks are worth noting:

    Cash dividend
    A cash dividend is a form of cash, check, or electronic payment made by the company out of its profits to its shareholders. Thus, the company pays a part of their income to their investors for the economic value of shares without investing the whole money for its own operations. Yet it causes the EPS (earning per share) rate to drop down to the same rate as the dividend, resulting in financial value transfer. Another outcome is that the shareholders who are the receivers of cash dividends have to pay tax for the value of the shares, decreasing its finial value. However, cash dividends are beneficial as they provide regular income to their investors along with capital appreciation.

    Stock dividend
    Unlike cash dividend, stock dividends on the other hand are the payment made in the form extra shares rather than cash payouts. It is also known as scrip dividend. When a company is in shortage of liquid cash, it would choose another profitable alternative to distribute dividends to its shareholders and those are called the stock dividends. For example, if a company issues a 4% of stock dividend, it would increase the number of shares by 4%. This is similar to cash dividend in the way that it does not increase the value of the company. If the company pays $10 per share, the company’s value will be $10 million, and that is true even the share is amongst the 7 best dividend stocks in the market. The value remains the same even after stock dividend, decreasing the share price to $9.52 to reshape for the dividend payouts.

    Which dividend is better?
    Be it a cash or additional shares, it does not affect the company’s profitability. If the company has a turnover of $1 million in earnings by spending 10% of it as dividend, the company is still left with $900,000 of retained earrings after payouts. If the company spends $100,000 in cash or $100,00 worth of extra shares, it is all going to be the same to its current shareholders.

    However, it is, in a way, effective if the company declares stock dividend instead of cash dividend because the transfer causes the company’s share price to fall. If a cash dividend equals 5% of the company’s stock price, the investors will experience a 5% low in value of shares. Cash dividends provide income but the shareholders will have to pay tax. It would increase the number of stocks outstanding, shift held-up earnings to paid-in-capital and also reduce the amount payable to its stockholders Like cash dividend, stock dividend does not increase the value of the company. However, a shareholder can keep their share and grow by investing their shares or by selling it for cash dividend.

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  • Here’s how to avail free cell phones for seniors

    Seniors who are financially challenged and need free cell phones for emergencies use can get free cell phones for the occasional calls through a few no-contract plans available for them. Wireless free cellphones for seniors are also available for free for seniors, depending on their income. This is along with monthly air-time minutes according to the criteria seniors qualify for.

    One can get free cellphones for seniors by looking up some cheap deals online or in the nearby stores. For example, free cellphones for seniors can be obtained through a few no-contract phones that work well for infrequent users of cell phones. These pay-as-you-go phones help save money as they are pre-paid cell phones that are not owned on a contract basis. With these free cell phones, there are no credit checks, fixed monthly bills, hidden costs, or contracts that are the usual features of traditional phone plans for cell phones. These no-contract phones allow users to purchase a special pre-paid phone with a certain amount of available minutes for texting or in the form of talk time that need to be used within the given period. Majority of national carriers like Verizon and AT&T offer pre-paid plans that are inexpensive, similar to independent networks like Cricket, Net10 and Virgin Mobile. T-Mobile and TracPhone also offer some good free cellular phones plans.

    Another option is the Doro PhoneEasy 618 that is sold via Consumer Cellular. It offers senior-friendly phones with simplified features and big buttons on a no-contract basis and is one of the cheapest options out there in the market. With calling plans starting at $10 per month, it costs about $60.

    Lifeline Assistance program
    The Lifeline Assistance Program is a government-sponsored program that subsidizes landline companies as well as wireless services that offer free cell phones along with 250 minutes of monthly free airtime and texts. This is done for those who qualify for the low-income criteria. Millions of Americans are eligible for this free cell phone offered via the Lifeline program, and only about 15 million have availed the service so far.

    Many different national pre-paid wireless companies like Assurance Wireless and Safelink offer free minutes and phones through tie-ups with other regional carriers within the country. It is true that more than one wireless company provides the free phones and minutes in most of the states. For those who are eligible, the free phone that is received is a basic cell phone that offers voicemail, text messaging, caller ID, and call waiting. To qualify for these services, the recipient needs to prove that they are receiving some government benefits like Food Stamps, home energy assistance, Medicaid, public housing assistance, or SSI. Another criteria for eligibility is the household income that needs to be at or below 135 or 150 percent of the Federal Poverty Guidelines. These vary from state to state.

    The Lifeline program is a good way for low-income seniors to obtain a free cell phone, and seniors should check for service and eligibility requirements around their area by logging on to the site and locating the services available in their zip code area. The Lifeline program lets households with low income to get discounted telephone services to help them make ends meet on a monthly basis. A telephone is a necessity for most Americans, and more so for seniors. A cell phone or even a basic telephone is an important link to the outside world in today’s age. Whether it is an emergency, or for a job or even to simply know that help is a call away, a phone that is affordable is a necessity.

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  • Different types of financial planners

    Selecting a person who will be in charge of your money can be quite a challenging task, which is why you need to understand the different types of financial advisors and their specializations. Financial planning is imperative to build a nice comfortable retirement nest egg so that you will not have to worry about making rent and payments for utilities in your golden years.

    Different types of financial planners will provide both general and specific services. Here are five financial planners who are adept in analyzing your portfolio and utilizing financial planning tools to help build you that nest egg.

    Stockbrokers: Stockbrokers are registered representatives who have a good knowledge of the different investment products available in the market. These financial planners qualify after taking the series 6 & 7 exams and register with the Financial Industry Regulatory Authority, to obtain their license to practice as a broker. Stockbrokers will not advise you on the best financial planning tools rather they will use these tools to sell you different products to invest in and earn their commission, while you make a profit to be saved for retirement.

    Investment advisors: Individual advisors or investment agencies will advise the best possible course of action to be taken on certain financial products, mostly securities. It is up to the client to act on the advice given which is why investment advisors differ from stockbrokers.

    Chartered Financial Analyst: People who have qualified and earned this designation from the Chartered Financial Analyst Institute are eligible to practice. CFA’s are adept in investment analysis and portfolio management on behalf of the client.

    Certified Public Accountant: CPA’s just like CFA’s have to clear the examinations set forth by the CPA institute to qualify and practice on their own. Additional certifications for CPA’s include a PFS (Personal Financial Specialist) designation which focuses on financial planning mainly concerning taxation and accounting. CPA’s are great planners who make use of various financial planning tools.

    Certified Financial Planner (CFP): Probably one of the best options when it comes to choosing financial planners since CFP’s have to qualify stringent education and experience requirements and are also required to take continuing education programs even after certification. There are certain ideals of conduct which comprise of the code of ethics, rules of conduct, practice standards to be followed and compiled by the CFP.

    Qualification and experience are two of the main parameters which will help you decide on which financial planner will best suit to make use of various financial planning tools available at his or her disposal to assist you in an investment.

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