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Can you believe it's already November?
It seems like just yesterday that we were celebrating Labor Day in the warmth of summer. Now, the true holiday season is upon us and countless gifts need to be bought before the wilds of winter lock us into our homes. Luckily, there's no better time than now to start building a holiday shopping list and the biggest shopping day of the year is right around the corner: Black Friday.
In fact, some Black Friday deals have already begun. Industry leaders including Amazon, Walmart, and Best Buy have rolled out their ads, offering a slew of Black Friday deals weeks before the biggest shopping day of the year. Even Target will offer a two-day presale to get patrons revved up for bigger sales to come, both online and in-store. Shipping trucks move over 70% of the nation's freight by weight but this number is only expected to increase when Black Friday hauls finally arrive. It's better to start your list sooner than later.
Are you looking forward to shopping this year? Check out the following deals to help inspire your inner holiday helper.
Most Americans tend to rely on personal vehicles, rather than public transportation, to get from point A to point B. With nearly 6 million cars sold each year in the United States, it's no surprise that the majority of teens will obtain their driver's licenses as soon as possible. More often than not, U.S. adults wouldn't even consider forgoing vehicle ownership.
So it can be particularly devastating when you head out to leave for work, school, or a social engagement and discover that your car isn't where you left it. It's not that you've forgotten where you parked, either. Unfortunately, your car's been stolen.
It might be your worst nightmare, particularly if you keep valuables or irreplaceable items in your car's interior. While up to 20% of all insurance claims are related to water damage of some kind, vehicle theft is sometimes a problem that cannot be fixed. Worse yet, a purloined vehicle might be more common than you think -- especially if you live in certain areas. Last year, there were an estimated 748,841 vehicle thefts throughout the United States.
The metro area with the most stolen vehicles in 2018 was Albuquerque, with a theft rate of 780.2 vehicles per 100,000 residents. Rounding out the top five cities with the highest vehicle rates were Anchorage, Alaska; Bakersfield, California; Pueblo, Colorado; and Modesto, California. By far, California had the greatest number of vehicle theft-ridden cities, with 15 metro areas within the top 40 list compiled by the National Insurance Crime Bureau. Nearly all of the metro areas listed are located in the southern or western portions of the United States -- and, not surprisingly, most areas listed also have higher rates of other property crimes.
Although the average vehicle will have three owners in its lifetime, most of us don't expect to give up ownership unwillingly. And while the Dodge Charger HEMI, Dodge Challenger SRT Hellcat, Infiniti Q50 and QX80, and GMC Sierra 1500 top the list of most frequently stolen vehicles in the nation, the reality is that any car can be taken without your consent or knowledge. Of course, parking in well-lit areas, installing alarm systems and vehicle tracking devices, and locking your steering wheel can keep your car from being stolen in the first place. But failing that, there are a few steps you should always take.
First, you'll want to call the police and file a report. You'll need this stolen vehicle report in order to file any kind of insurance claim. It's best to provide law enforcement with as much information as possible, including the car's make and model, year, color, VIN and license plate number, any identifying characteristics, and GPS information, if applicable. You'll then want to contact your car insurance company. If you have a comprehensive car insurance policy, you'll be covered -- but even if you don't, you'll still need to let your insurer know your vehicle was stolen. That way, you'll be protected if property is damaged or someone becomes injured after your car has been taken. Make sure that all details are consistent between this insurance claim and your police report, as your insurer will likely launch an investigation to make sure everything lines up before paying out for a stolen vehicle. And if your car is leased or you have some sort of financing set up, you'll also need to notify the company; in most cases, the insurer will pay the lender so that you won't still be responsible for making payments on your stolen vehicle.
If you have any valuables in your car, you might want to file separate claims for these items. The three most-valuable commodities shipped in the U.S. include machinery, electronics, and other vehicles. While you're probably not shipping warehouse materials, your laptop, GPS, and other electronic devices might be covered by insurance.
Although you have some control over where you park (and where you live), you may not always be able to stop vehicle theft despite your best efforts. To minimize loss, make it a habit to keep no valuable items in your car, purchase comprehensive car insurance, and invest in security features that could drive thieves away. And if your vehicle is stolen, make sure to follow the steps outlined above to make the process go as smoothly as possible. Although these events can feel violating, thinking ahead and being prepared can make them a bit less devastating.
You've been thinking about it for a while, and now you've decided to take the leap: you're buying a motorcycle. Chances are you're used to hearing all the statistics at this point about the dangers of motorcycles -- after all, it's true that they can be dangerous. However, motorcycle safety is actually on the rise in recent years, with the number of fatal motorcycle accidents in 2017 dropping 3% from the year before. If you're ready to buy a motorcycle, here are a few things you'll want to know as a beginner.
Do Your Homework
Before you even get to the shop, you'll want to do your homework on the different types of motorcycles available. There are a greater number of varieties, makes, and models than most people assume. Having a basic understanding of the types that are available will help you be prepared for when you start your shopping. Additionally, be sure to practice on multiple types of bikes. This will help you better learn the basics of riding a motorcycle as safely as possible.
Pick Out Your Preferences
Once you've tested out a few different styles of motorcycle, figure out what feels best for you and your personal preferences. Everyone has their own favorites when it comes to motorcycles, and you should look for bikes that compliment your riding preferences and personal style tastes. Check online reviews as well; you might uncover some issues or benefits with particular makes and models this way.
If you ride your motorcycle for work, you might also be able to get a tax break. Consider the area in which you live and whether or not this aspect of buying a motorcycle could benefit you. If you're self-employed, talking to a CPA can help you discover more options that can keep money in your wallet.
New vs. Used?
If you're looking to buy a motorcycle on a budget, buying used could be an appealing option. However, be careful if you're looking for a used bike instead of a new one -- used motorcycles, just like used cars, are more likely to have serious issues that make them less safe to ride. The safest possible option is to buy new, but not all budgets are suited to buying a brand new vehicle, so at least do your due diligence to make sure you're being as safe as possible. Certified pre-owned options are your second-best option if you're unable
Plenty of people ride motorcycles for both normal transportation and as part of a growing hobby. What kind of motorcycle are you looking to purchase, and what do you look for in a bike before you buy? Consider these safety options before you
The end of the year is fast approaching and many of us have still failed to complete our new year's resolutions for 2019. But don't fret: before the year is done, you can at least meet your financial goals.
While you might not be able to save up for that new car by the end of the year, you can definitely get your finances ready for the year to come. After all, establishing a plan now will help you start the new year off on the right foot. If you're one of the many people who want to better their finances for 2020, try to meet these goals before the big ball hits zero.
Limit your holiday spending
Each holiday season, we fall victim to buying more than our budget can handle. Even though you want to gift your loved ones everything they deserve, it's not worth digging yourself into a financial hole. Studies show that Millennials spend over $800 each month on unnecessary expenses, and that's before we account for the holidays. If you spend so much that you're struggling to pay rent, you need to take a second look at your finances.
The first step to limiting your holiday spending involves tallying up all of your bills and necessary expenses, including food and the occasional night out. Then, you have to subtract those numbers from your monthly salary. Whatever is leftover from that can be used for holiday goodies. Odds are, this number will be a lot less than you think, but it gives you a realistic budget to work with.
Remember that the best gifts come from the heart. It can be tempting to rack up credit card debt in the name of Christmas, but the loved ones in your life would rather see you flourish than go into debt over a simple gift. If you simply must buy a large gift, make sure it counts. Look for long-lasting options that are sure to give your loved one plenty of use, like home decor, cutlery, or new furniture. Estimates show that the average sofa will last about eight years before it needs to be replaced. If you spend big, don't waste the purchase on superfluous items without any real value.
Check your credit report
Did you know each of the top three credit bureaus offer one free credit report each year? If you have checked your score with Experian, you can still determine how well your score is with Equifax or TransUnion before the year is done.
Becoming aware of your credit score is the first step to improving it. After all, bad credit could bar you from achieving a good mortgage rate, buying a new car, or taking out future loans for home projects. You might even get turned down by a rental application or a homeowners association. Since homebuyers have a 20% chance of buying a home that a part of an HOA, a good credit score could mean the difference between achieving your dream home or looking for other options. Luckily, talking to a financial advisor can help set you on the path for success. That, or you can sign up for auto-pay to help you never miss a payment again.
Get your taxes in order
April might seem lightyears away, but it's much closer than you think. Additionally, the IRS can audit a business's tax return within the first three years of filing. If you don't keep track of these records, you might accidentally commit tax fraud without even realizing that you have done so. Avoid paying fees you didn't know you had by keeping your tax information in a safe place, like a filing cabinet or easily accessible accordion binder.
Open that savings account
There's no better time to open a savings account than yesterday. This helpful online piggy bank is one of the best ways to accumulate wealth over time. It also serves as a great way to keep you accountable for your spending. Once you establish a savings goal that works for your budget -- say $50 per month -- you can even choose to automatically transfer that amount from your checking account to your savings account without lifting a finger.
If you're struggling to save throughout the month, you can also rely on mobile apps to help track your spending. You'd be surprised how much that daily cup of coffee costs when you actually make note of each purchase.
Establish an emergency fund
When you live on ends meat, it can be hard to account for any emergency costs that might arise. But you never know when a sudden hospitalization or bothersome home repair needs to be dealt with. When only 60% of people are covered by health insurance, the other 40% will have to struggle to pay medical bills. Whether you have insurance or not, an emergency fund is vital.
By establishing a well-stocked emergency fund, perhaps stored in a separate savings account, you can rest easy knowing that you have a cushion should any disaster arise.
While you're not going to be able to shovel thousands of dollars into this fund before the end of the year, simply opening this fund is a healthy start.
Reign in wild bills
Now is the perfect time to weatherproof your home before heating and electric bills start to add up. With winter right around the corner, investing in a new thermostat and sealing your ducts should be at the top of your home improvement list. In fact, it's estimated that simply sealing and insulating your heating ducts can improve your HVAC system's efficiency by more than 20%. This simple fix will help keep your home more comfortable during the dreaded months of winter and keep money in your pocket for years to come. Don't wait until cold weather strikes to work on money-saving home improvement projects.
Rely on these tips for a better new year
Why wait to start on a new year's resolution? Before the end of the year arrives, follow these tips to help pad your wallet and get some peace of mind.
In a single year in Texas, there was one person killed every two hours in a car accident, according to the Texas Department of Transportation. Unfortunately, when it comes to young children, their lives can be in danger even when the vehicle is not moving.
Drug overdose is the leading cause of accidental death in the U.S., with 52,404 lethal drug overdoses in 2015 but accidental pediatric heatstroke has become far too common, as well. Since 1988, 818 children have died from pediatric vehicular heatstroke, which occurs when a child's body temperature rises to 104 degrees Fahrenheit. As of October 2019, there have been 51 pediatric vehicular heatstroke deaths.
A certain king of thieves has acquired a new throne. No, we haven't traveled into a fantasy world where a thieves' guild crowns its own king of their sector of the criminal underworld. This is the real world and in this real world, this thief acquired another type of throne. Though silver has been used in jewelry for more than 6,000 years, this piece of thievery involved its posterior superior; a solid 18-karat gold toilet.
Burglaries are unfortunately commonplace, with 2.5 million occurring every year. However, burglaries that involve golden toilets are few and far between. This is especially true when the golden toilet in question is a piece of art worth around $6 million. Only weeks prior, these were the words issued concerning its security.
"It's not going to be the easiest thing to nick. Firstly it's plumbed in, and secondly, a potential thief will have no idea who last used the toilet or what they ate. So no, I don't plan on guarding it," said Lord Edward Spencer-Churchill, brother of the Duke of Marlborough.
It doesn't take a literary savant to see the foreshadowing in this scenario. The piece of art in question is titled America by an Italian artist named Maurizio Cattelan, a character oft referred to as the court jester of the art world. The installation is a piece of participatory art and -- sparing the details of the participation thereof -- it's a fully functional toilet made of solid 18-karat gold. Having been on display in the Blenheim Palace in the UK (pictured top), the Guggenheim Museum loan was recently burgled. On September 14th, the Blenheim Palace issued a tweet:
**IMPORTANT NOTICE**— Blenheim Palace (@BlenheimPalace) September 14, 2019
Due to an unforeseen incident at the Palace we are closed until lunchtime, the Park will remain open.
Apologies for any inconvenience.
That unforeseen circumstance was, of course, the golden-toilet-art-installation being stolen from the Palace sometime in the night. While 35% of people wouldn't have discovered an establishment were it not for the sign, Winston Churchill's birthplace, complete with functional solid gold toilet, needed no advertising and could've benefited from better security.
"The piece of art that has been stolen is a high-value toilet made out of gold that was on display at the palace. The artwork has not been recovered at this time, but we are conducting a thorough investigation to find it and bring those responsible to justice," said Jess Milne of the Thames Valley Police.
This was mid-September and the valuable piece has still not been recovered. However, a couple of arrests have been made in connection to the burglary but the toilet evades authorities still. The AC Cobra was famous for reaching 186 MPH on British roads in 1962, but the most famous (and sought after) vehicle right now is the VW Golf that CCTV caught the burglars loading the toilet into before escaping. Police believe there may be another vehicle involved yet, but it remains unconfirmed as the search continues.
North America is the largest market for art only second to Europe. This doesn't bode well for the art piece, especially as more time passes with it unaccounted for. Of course, any sale of such an item as a work of art would be easy to detect due to its uniqueness. But, solid gold is solid gold and worth a great deal whether it's toilet shaped or not. Thus, the insurance company for the Blenheim Palace issued a substantial reward attached to the toilet:
"The reward is up to 100,000 Pounds Sterling and terms are by approval of the insurance company, which includes the safe return leading to an arrest."
“Who’s so stupid to steal a toilet? America was the 1% for the 99%, and I hope it still is. I want to be positive and think the robbery is a kind of Robin Hood-inspired action..."— Blenheim Palace (@BlenheimPalace) September 16, 2019
- Maurizio Cattelan#RIPgoldtoilethttps://t.co/Ol7x6CfGjF pic.twitter.com/4QLBuCbgZN
The hunt continues and the creator Cattelan is in disbelief. Significant buzz has surrounded his piece ever since it was offered to the White House when Donald Trump was elected President in 2016. But, despite the satirical nature of the installation and the artistic voice of the creator, he's saddened by its theft. Though, the attitude in his words might deceive you:
"When this morning I was informed about the robbery I thought it was a prank and it took me a while, after a few checks, to come to the conclusion that it was true and it wasn't a surreal movie where instead of the jewels of the crown, the thieves went away with a bloody toilet. I always liked heist movies and finally, I'm in one of them. Dear thieves, please, if you are reading this, let me know how much you like the piece and how it feels to pee on gold," Cattelan said in a statement after hearing his installation had truly been blagged.
The search is ongoing, but once the golden toilet is recovered, we're certain its security will no longer be number two on their list.