
One of the most desirable factors in an SUV is its safety. Whether for driving their loved ones around or hauling precious cargo, customers must know how safe their car is. The size of the vehicle does not determine safety, but other factors do, such as their driver assistance features and performance in crash tests conducted by the NHTSA and IIHs. Based on these factors, here are a few safest SUVs to buy in 2023:
2023 Lincoln Nautilus
The Lincoln Nautilus is a midsize luxury SUV, perhaps one of the most cost-effective in its class. It has a five-star rating from the National Highway Traffic Safety Administration (NHTSA) for overall safety and the highest possible safety rating from the Insurance Institute for Highway Safety (IIHS). The car is well-equipped with tons of safety technology. Standard features include rear parking sensors, blind-spot monitoring, rear cross-traffic alert, forward collision warning, forward automatic emergency braking, pedestrian detection, lane-departure warning, and lane-keep assist.
2023 Toyota RAV4 Prime
The Toyota RAV4 Prime is a hybrid SUV with excellent fuel economy and safety ratings. It received four out of five stars in the NHTSA’s rollover test, and the highest safety rating from the IIHS, thanks to its standard safety features like forward collision warning, forward automatic emergency braking, pedestrian detection, lane-departure warning, lane-keeping assist, lane-tracing assist, blind-spot monitoring, rear cross-traffic alert, adaptive cruise control, and traffic sign recognition.
2023 Nissan Pathfinder
Find the perfect family-friendly interiors with the Nissan Pathfinder. Equipped with top-rated safety features and crash test results, this SUV by Nissan offers easy maneuvering for a balanced ride. It has a modern yet versatile seating arrangement. The car has three sets of LATCH connectors for child car seats. These connectors have received a rating of Good+ from the IIHS, implying that they are the easiest to navigate. Standard driver assistance features include forward and reverse collision warning, pedestrian detection, blind-spot monitoring, rear cross-traffic alert, lane departure warning, automatic high-beam headlights, rear parking sensors, driver attention monitoring, and rear seat alert. Additional features such as ProPilot assist, surround-view parking camera system, front parking sensors, head-up display, and traffic-sign recognition may be added.
2023 Hyundai Santa Fe Hybrid
The Hyundai Santa Fe Hybrid is well-known for its ample cargo space and comfortable seating. It also received the highest ratings, earning it a Top Safety Pick+ designation by the IIHS and five out of five stars from the NHTSA. Some of its standard features include forward collision warning, forward automatic emergency braking, pedestrian and cyclist detection, adaptive cruise control, lane-departure warning, lane-keep assist, blind-spot monitoring, rear cross-traffic alert, rear parking sensors, driver-attention monitoring, rear-seat alert, vehicle exit warning, and highway driving assistance.
2023 Mazda CX-50
The Mazda CX-50 also received a Top Safety Pick+ rating from the IIHS. It is a compact SUV with plush interiors and an incredible array of driver safety and assistance features such as a rearview camera, driver-attention monitoring, blind-spot monitoring with rear cross-traffic alert, lane departure warning with lane keep assist, forward collision warning with pedestrian detection, forward automatic emergency braking, adaptive cruise control, and automatic high-beam headlights.
2023 Tesla Model Y
The 2023 Tesla Model Y received a Top Safety Pick+ rating from the IIHS. This electric SUV is fitted with a host of driver safety and assistance features such as forward collision warning, pedestrian and cyclist detection, forward automatic emergency braking, adaptive cruise control, blind spot monitoring, rear cross-traffic alert, lane-departure warning, lane-keep assist, traffic sign recognition, autopilot, automatic high-beam headlights, front, side, and rear parking sensors, and a rearview camera. Customers can also opt for additional safety features such as navigation-linked autopilot, automatic lane change, park assist, automated vehicle return from the parking spot to your current location, and traffic light and stop-sign recognition.
2023 Honda CR-V
The Honda CR-V is a small SUV that received a Top Safety Pick+ rating from the IIHS. It has many standard safety features, including forward collision warning, automatic emergency braking, lane-departure warning, lane-keep assist, adaptive cruise control, traffic sign recognition, and automatic high-beam headlights. Customers can choose to get front and rear parking sensors if needed.
2023 Kia Telluride
Those looking for a breathtaking yet safe vehicle that commands everybody’s attention must check out the Kia Telluride. Granted a Top Safety Pick+ rating by the IIHS, this juggernaut has a massive towing capacity of 5500 pounds, meaning it is as sturdy as it is safe. The car comes with several standard safety and driver assistance features like a rearview camera, rear parking sensors, driver-attention alert, road-sign recognition, blind-spot monitoring with rear cross-traffic alert, forward collision warning with pedestrian and cyclist detection, forward automatic emergency braking, lane-departure warning with lane-keep assist, highway driving assist, automatic high-beam headlights, and rear-seat alert. Customers can also opt for additional features like front parking sensors, rear collision warning, rearview mirror with an integrated camera display, surround-view camera parking system, blind-spot camera, and a head-up display.
2023 Ford Bronco Sport
This compact SUV from Ford received a Top Safety Pick+ certification from the IIHS and a five-star rating from the NHTSA. Made for off-roading, the Bronco Sport is well-equipped with standard safety features like forward collision warning, forward automatic emergency braking, lane-keep assist, blind-spot monitoring, rear cross-traffic alert, automatic high-beam headlights, rearview camera, and MyKey technology.
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Your guide to getting FHA loan approvals
Read moreA Federal Housing Administration (FHA) loan is a type of mortgage which is insured by the FHA and is considered one of the most affordable and fastest loans to procure.
Simply put, the borrower needs to be approved by the FHA to get this loan. You may then look for different mortgage rates with different FHA-approved lenders. There are plenty of portals which may help you get fast quotes and you may subsequently take the process ahead with any lender whose rates you have found affordable.
Important guidelines to get an FHA loan approval
Discussed below are a few important aspects to keep in mind while applying for an FHA loan.Credit score
The credit score requirement to get an FHA loan approval is not stringent. The minimum eligible credit score for the same is 580. Even if you do not have a credit history, your lender will need to evaluate your eligibility, based on a non-traditional merged credit. Some borrowers may require a score of 640-680 to be eligible for this loan.While this is a guideline set, many lenders also give a loan to people with a credit score of at least 500.
Debt to income ratio
The debt to income ratio is a critical guideline followed by lenders to evaluate the eligibility of a borrower. It is a way in which lenders (even mortgage lenders) calculate a borrower’s ability to repay the debts, considering their regular incomes. The acceptable limit of this ratio is 31:43 to get an FHA loan approval.Mortgage insurance
Even though getting an approval for an FHA loan seems fairly easy, the real challenge arises in getting two types of mortgage insurances as prerequisites. One insurance needs to be paid fully while the other has to have a provision of being paid in monthly installments.Down payment
The minimum down payment required for an FHA loan approval is 3.5%. While the standard rate for down payment runs at 20%, the 3.5% comes as a great relief for borrowers who cannot afford such a high amount.Other important areas
A lender will look into your employment history, lawful residency in the US, as well as a valid Social Security number (SSN). You would also require to have an appraisal for the property from a verified FHA-approved appraiser.The other requirements differ from lender to lender, and it is always advisable to gather full information about your verified FHA loan lender before applying for a loan.
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3 ways SMA patients and caregivers can maintain a healthy relationship
Read moreThe relationship between a person diagnosed with spinal muscular atrophy (SMA) and their caregiver is a two-way street. It is important to remember that both the patient and caregiver have their individual needs that should be communicated clearly. Irrespective of whether the primary caregiver is a parent, friend, or someone who has been hired to take care of the SMA patient, there are a few important things to consider for a healthy relationship between them. Below are three tips for SMA patients to maintain a healthy relationship with their caregivers-
- Informing the caregiver in advance about any schedule changes
SMA patients should remember that their caregivers, whether family, friends or professional caregivers, have their own schedules and needs. One needs to ensure that they don’t make any last-minute changes without informing the caregiver well in advance. A caregiver plans everything according to the SMA patient’s schedule, and any sudden changes might cause problems with the caregiver’s schedule and routine. It is important to remember that the caregiver is likely to have other jobs, people to meet, and other personal errands of their own. Hence, it is essential to inform the caregiver in advance if there are any changes to one’s schedule.
- Conveying one’s needs clearly
If an SMA patient is hiring someone through an agency or via the Internet, it is vital to know that the caregiver has probably had clients with a wide range of needs, levels of independence, and abilities. Hence, it is necessary for the patient to inform the caregiver about what their specific needs are, what tasks they can do, and what tasks they cannot perform. The best way that a caregiver will be able to help a patient properly and cater to all their needs is by just communicating with them. If one is used to doing certain things in a particular manner, let the caregiver know that beforehand so that they are able to do their job thoroughly by keeping their patient’s needs in mind.
- It is okay to have disagreements with the caregiver
When the caregiver is a friend or family member, fights and arguments are inevitable. However, when one has a fight, a confusion, a misunderstanding, or whether there is a simple disagreement with one’s caregiver, one needs to ensure that this tension does not last. It is important to communicate openly and work together towards solving the problem.
- Informing the caregiver in advance about any schedule changes