If you look at recent Fool articles about Vodafone , it's all dividends, dividends, dividends. That's hardly surprising, given that the mobile communications giant yields 5.2%, more than 10 times Bank ...
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MADRID (Reuters) - Shares in state-owned Spanish lender Bankia tumbled on Tuesday after billions of new shares flooded the market as part of a multi-billion euro cash injection, with little hope of a quick ...
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By Aaron Crowe
Americans have bought into being charged more at peak demand times, with tickets for airlines, baseball games and plays costing more at popular times of the day, and electricity costing more at peak times. But when it comes to driving, they’re not buying it.
The simple economic theory of supply and demand deems that when supply is low and demand is high, prices will go up. That’s why airline tickets are cheaper for a 6 a.m. flight and weeknight theater ticket prices are less outrageous than Saturday night shows.
Try moving that type of pricing onto America’s roads, and you’ve got a problem. Congestion pricing hasn’t yet worked in the U.S., leaving commute-time tolls the same price when roads are packed as they are in the middle of the afternoon when there are a lot fewer drivers out.
Along with speeding up traffic and collecting money for road improvements, congestion pricing is supposed to help increase use of public transportation and lower pollution.
The city that’s probably most well known for charging drivers more at the busiest times of the day is London, where drivers are charged about $16 between 7 a.m. and 6 p.m. on weekdays to enter the city’s urban zone. Car usage has dropped 20%, $197 million in annual revenues has been raised, and London’s bus system is growing.
Other cities that have congestion pricing include Stockholm, Singapore and Milan, and some small cities in Europe also use it.
In America, congestion pricing has been limited to high-occupancy toll lanes on some highways, but has been rejected or delayed in urban areas. New York state legislators killed a plan for congestion pricing in Manhattan in 2008.
The U.S. Department of Transportation had five cities in 2007 study charging drivers to enter city centers, but the only city to move forward with plans beyond the initial trial is San Francisco, which will begin a congestion pricing trial in 2015.
More Americans don’t use public transportation because it’s cheaper to own and drive a private car than to take a bus, says Kamal Hassan, an entrepreneur and former CEO of Skymeter Corp., which specializes in payment systems for cars and trucks.
Instead of paying about 3 cents per mile through road taxes, American drivers should be charged as much as it costs to run a city bus — 30 cents a mile, Hassan says.
“If you sell your road space for zero dollars, you’re going to run out of it,” he says.
Given the rise of dog walking services, personal chefs and other tasks that people pay someone else to do so they can have more free time, it’s clear that people value their time, says Chris Carbone, an analyst and futurist at Innovaro. Getting that message across with congestion pricing on busy roads is one way to relieve traffic and get more people to use public transportation, Carbone says.
Innovaro’s report on road-use fees details how to replace gas taxes by charging drivers how many miles they drive. Miles can be tracked with GPS, radio-frequency identification, onboard diagnostic units and other methods that cause some to worry that their privacy is being invaded and that their car’s location is being kept track of.
“We have a different outlook on things — like the privacy piece — than they do in Europe,” Carbone says of Americans’ view of such ways to track miles driven.
Getting back the extra 60 hours that the average commuter wastes being stuck in traffic annually is just one benefit of congestion pricing or charging by vehicle miles traveled. Along with the $1,100 that it cost the average commuter to lose that many hours of time, there’s also the cost of gasoline and less wear and tear on cars that are driven less.
The Brookings Institution in 2009 recommended, “road-use pricing” to help relieve traffic congestion in the Washington, D.C. metro area. Congestion pricing could lead to 19.4 million fewer miles driven per day, the group found, along with reducing carbon monoxide emissions by 16.8% and cutting travel delays by up to 80%.
Its road-pricing system was also projected to not only raise enough money to replace fuel taxes, but also property and sales taxes that are used to pay for road construction, maintenance and repair.
Yes, you read that right: Lower taxes and zero gas taxes by charging drivers more during peak driving times. Maybe that will be enough incentive to get American drivers on the congestion pricing bandwagon.
Aaron Crowe is a journalist who specializes in personal finance topics and covers the auto industry for CheapCarInsurance.net.
Don’t Expect Congestion Pricing In The U.S. Anytime Soon is a post from: Cheap Car Insurance News Blog
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Nine times out of 10, during a traffic stop, the police officer is taking every step possible to ensure their own safety, without violating the rights of you or anyone else in the car you’re driving. But police officers may make some requests during a stop that you can legally refuse. Knowing your rights and what you can do to facilitate the needs of a police officer without giving up those rights can help prevent a routine traffic stop from escalating into something far more confrontational. You may even be able to avoid getting a ticket.
As we have already pointed out, saying “No officer,” is a respectful way to respond to questions meant to trip you up and incriminate yourself. If necessary, you can file a complaint about an officer’s conduct later, but during a traffic stop, try not to take anything the officer says personally.
The post Know Your Rights: What to Do When You Get Pulled Over appeared first on CarInsurance.org.
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UK travel group Thomas Cook and Spanish banks Bankinter and Bankia are among the stocks that will be joining the STOXX Europe 600 index on June 24, while basic resources groups Kazakhmys, Eurasian Natural ...
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We reveal the most popular destinations for those who want to escape the UK over the festive period.
Let’s face it: Christmas in the UK isn’t all mistletoe and wine. As well as the festivities, this time of year can bring sub-zero temperatures, office party embarrassment and family tension bubbling beneath the surface.
With this in mind, you might decide to drop everything this Christmas in favour of a few days away. That only leaves one question… where to go?
According to research from discount site MyVoucherCodes.co.uk, Sydney is the most popular destination for Brits planning a break this year, followed by Dubai and New York City.
This data is based on the most searched-for terms related to Christmas breaks during the past three months.
‘Getting away for the Christmas period can be incredibly tempting, particularly given how stressful the thought of too much family time can be for many,’ said Mark Pearson, Chairman of MyVoucherCodes.co.uk.
‘It’s clear that some people want to get really far away from the annual game of Trivial Pursuit this year,’ he adds.
Most popular Christmas holiday destinations
1) Sydney
2) Dubai
3) New York City
4) Paris
5) Hong Kong
6) Venice
7) Cape Town
8) Tenerife
9) Copenhagen
10) Berlin
However tempting the idea of a Christmas break might seem, these holidays don’t come cheap – especially at a time when our budgets are already stretched.
Fortunately, Santa (well, BeatThatQuote.com) has a few tips on how to cut the cost of yuletide getaways.
Avoid rip-off credit card charges
If you’re using a credit card abroad, most lenders will load charges when you withdraw cash or make a purchase – normally between 2.5% and 3%.
To cut down on these fees, it might be wise to consider a card that allows you to make fee-free transactions abroad. For instance, Halifax’s Clarity Credit Card doesn’t charge borrowers a fee to use the card or withdraw money anywhere in the world.
Get the right travel insurance policy
Whenever you’re travelling abroad, it’s wise to consider travel insurance to protect your valuables and cover the cost of any medical treatment if something goes wrong.
When it comes to holidays over the Christmas period, it’s essential to pick the right type of policy. If you’ll be taking part in any activities such as skiing or snowboarding, you might need to add winter sports cover to your policy.
Set a strict budget for presents
If you and your other half are treating yourself to a trip away over Christmas, it might be sensible to forego presents entirely.
However, you might think this approach has tipped the balance from being frugal to Scrooge-like. If you absolutely have to give presents, try imposing a spending limit or even making your own gifts. While it might sound a bit cheesy, it could force you to get creative.
Now all that’s left to do is try not to get too nostalgic for Christmas pud and reruns of Santa Claus: The Movie come 25 December when you’re sunning yourself abroad.
For more articles like this, check out The £48,940 cost of your holidays and Holiday rip-offs revealed.
**This material is for information purposes only and should not be considered financial advice. We strongly encourage our readers not to rely solely on this content, but to seek independent advice when making financial decisions.**
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As an expecting parent, you will need to invest in a new car that can accommodate your new baby’s needs, including room in the back to properly install a car seat, additional space for storing a stroller and other baby supplies, and features like a sound system you can easily access and operate to play your baby’s favorite music. When you’re looking for a new car we suggest you search for cargo space, ease of access, standard features, available warranty, and the vehicle’s safety rating. Below you’ll find a list of 10 new cars selected for their ratings on several trusted websites, including J.D. Power and Associates, Edmunds, and Vroomgirls. Keep in mind that these cars aren’t listed in any particular order and they’re simply suggestions.
Honda has become synonymous with quality, and its CR-V crossover is no exception. The 2012 edition offers space for five passengers, and the base model features automatic headlights, cloth seats, full power accessories, cruise control, and a rear view camera for added safety. Speaking of safety, the Honda CR-V comes with side curtain air bags and active head restraints. All of the CR-V’s trims come with a five speed automatic transmission that offers 185 horsepower and gets up to 31 mpg, making this an economical option in this class. The 2012 Honda CR-V won J.D. Power’s overall quality award, and it received top marks for its overall performance and design and predicted reliability.
The Toyota RAV 4 is another “tweener” option for new parents who want space for numerous passengers but don’t want to drive a behemoth. The RAV 4 has enough space for five passengers and when the rear seats are folded down offers 73 cubic feet of cargo space. Standard features include keyless entry, a six-speaker sound system, some power accessories, and air conditioning. Safety-minded parents will find a good match in the RAV 4, which offers standard anti-lock disk brakes, traction control, front-seat and side air bags, and side curtain air bags. Similar to other vehicles in its class, the Toyota RAV 4 gets a combined 24 mpg from its 2.5-liter 179-horsepower engine. J.D. Power gave the RAV 4 top marks for overall quality, although it was judged average in overall performance and design and predicted reliability.
Toyota’s Venza Crossover offers a roomy interior that accommodates five passengers and rides a little higher than most cars in its class. The base model features dual-zone automatic climate control, power accessories, and a six-speaker sound system with integrated Bluetooth connectivity. Although the standard features are nice, most parents are probably going to be more concerned about the car’s safety. The Toyota Venza has anti-lock disk brakes, traction control, and front-seat side, driver knee, and side curtain air bags. In government impact tests the Venza received four stars for rollover protection and five stars for side-impact protection, making this one of the safest cars on the road today. J.D. Power gave the 2012 Toyota Venza a four out of five for overall quality and predicted reliability, which shows this car could be a good long-term investment. The deal is sweetened by Toyota’s basic warranty, which covers 36 months or 36,000 miles, and its maintenance warranty of 24 months or 25,000 miles.
Similar to other large vans in our list, the Honda Odyssey has seating space for up to eight passengers and offers easy access via its sliding side doors and extra cargo space in the back for your baby’s supplies. Standard versions of this car come with cloth upholstery, full power accessories, keyless entry, cruise control, air conditioning, and a 60/40 split-folding third-row seat. Higher trims offer a rearview camera which could be helpful when you’re trying to back out of a parking spot. The 2012 Honda Odyssey performed exceedingly well in government crash tests: it received an overall rating of five out of five stars from the NHTSA and a “Good” rating, the highest available, for frontal-offset and side-impact crashes from the IIHS. The 2012 Honda Odyssey also received a five out of five rating for overall performance and design and a four out of five in overall quality from J.D. Power. However, the publication gave it a two out of five for predicted reliability, which is an issue you should be aware of as you shop around.
The Ford Edge SUV is another medium-sized crossover vehicle that is ideal for parents who want plenty of space but aren’t interested in driving a van. This model’s standard features include air conditioning, full power accessories, cruise control, a tilt-and-telescope steering wheel, and more. Higher trim levels have other options, such as keyless entry code pad or an upgraded audio system. The base model comes with a 285 horsepower engine that gets up to 27 mpg, which is competitive for a car of its size. The Edge’s interior has space for five passengers and a large rear compartment that can store all of your baby’s supplies. The back row of seats can also be folded down for extra cargo space. Similar to other vehicles in this list, the 2012 Ford Edge SUV has received good reviews for safety. The NHTSA gave it an overall rating of four out of five stars, and it received a “Good” rating for roof strength and frontal offset and side-impact crashes.
Stepping up in size is the Nissan Quest S CVT, which has space for seven passengers and standard features that include cruise control, ambient interior lighting, a four-speaker sound system, and a trip computer. Access to the second and third-row of seats, which are raised about the front-floor level to improve visibility, is aided by power sliding doors that open with a single touch. Under the hood the Quest has a 3.5-liter V-6 engine that offers 260 horsepower and a combined 21 mpg. The 2012 edition was one of the highest-rated vehicles by J.D. Power, which gave it five stars for its overall quality, performance, and design.
Nissan’s Murano SUV offers a wide range of standard interior and safety features well-suited for new parents. The base model features dual-zone automatic climate control, cloth upholstery, some power accessories, and a six-speaker sound system. Higher trim packages offer other perks, such as rearview cameras and an upgraded sound system. Standard safety features include stability control, active front head restraints, anti-lock disc brakes, and front side and side curtain air bags. This model also has a pretty sizable rear storage space and the back row of seats can be set down to increase cargo space. The IIHS gave the 2012 Murano “Good” ratings for frontal offset and side-impact crash tests, and J.D. Power gave the SUV a five out of five for overall quality.
The relatively compact Toyota Prius C delivers 50-plus MPG in the city, features no fewer than nine airbags, and has more interior room than it would appear from the outside. You’ll have to take a little more time to fit in a stroller and baby bag and the engine can be noisy under heavy acceleration, an issue that might put off parents of newborns. However, the Toyota Prius C’s price and top-of-the-line safety features make it a good option for new parents. The Prius C received “Good” ratings from the Insurance Institute for Highway Safety for all crash protection tests, and the hybrid model was named a top safety pick for 2012. J.D. Power gave the Toyota Prius C a four out of five for predicted reliability.
The stylish, well-priced Kia Soul compact hatchback offers plenty of space, utility, safety features, and a strong warranty. It has space for five passengers and the base model has cloth seats, full power accessories, USB audio jacks, and air condition. Cruise control, keyless entry, and other amenities are offered in the higher trim levels. The 2012 Soul has been updated with more powerful engines, 15-inch steel wheels, and wider tires. The base engine is a 1.6-liter four-cylinder that puts out 138 horsepower, while the plus version has a 2.0-liter engine rated at 164 horsepower. Although the plus version’s engine makes for a more exciting driving experience, the base model offers better gas mileage.
The Kia Soul’s safety features include side curtain air bags and stability control, and it received a “Good” rating, the highest possible, from the Insurance Institute for Highway Safety for frontal offset and side-impact crashes. Budget minded shoppers will like Kia’s basic warranty, which covers the car for 60 months or 60,000 miles. New buyers also receive a powertrain warranty that covers 120 months or 100,000 miles. J.D. Power awarded the 2012 Kia Soul awards for performance and quality. Although the Kia Soul isn’t the largest vehicle on the list it’s still a great option for new parents who want a fun car that meets their needs for space and safety.
With enough space for eight passengers, the Honda Pilot is one of the largest vehicles in its class. It offers a wide range of standard features, including full power accessories, split-folding second and third-row bench seats, and remote keyless entry. The higher trim levels offer a rearview camera which can be helpful for maneuvering out of parking spots safely. This car is powered by a 3.5-liter V-6 engine that is rated at 250 horsepower and gets as much as 25 mpg. In addition to its standard features, space, and relatively good gas mileage, the Honda Pilot has received high marks for its safety. The SUV, which comes with side curtain air bags for all three rows, received a frontal crash rating of four out of five stars from the National Highway Traffic Safety Administration. J.D. Power gave the 2012 Honda Pilot high marks for its overall quality and performance and design. Due to its size this may not be an ideal option for new parents, but could be a wise investment if the space is going to be needed in the future.
The post 10 Great Cars for New Parents appeared first on CarInsurance.org.
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Couples can use two pension plans to improve on the normal 25pc, reports Richard Evans .
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Vauxhall has managed to produce the most commercial vehicles in the UK for the eleventh year running – beating its closest rivals by a significant number of units. The manufacturer managed to turn out an impressive 53,465 Vivaro-type vans from its Luton plant last year, while 5,373 Astravans rolled off its Ellesmere Port production line.
Hoping to cash in on some of the popularity, Renault is now producing its own version of the popular Vivaro, the Trafic, from its partner Nissan’s Barcelona plant this year. They should be available to buy in the UK later in 2013. Vauxhall UK Chairman and MD, Duncan Aldred said;
‘We are very proud of our manufacturing bases here in the UK, especially as we enter out 11oth year. Vauxhall has been building ans selling vehicles in Britain without interruption since 1903.’
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Soft drinks producer Britvic will release its second quarter results Wednesday.
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While flying cars and homes built high into the sky still seem to be out of reach for the foreseeable future, one group of experts believes that we'll see sweeping changes in the way we travel by car in the coming years. The Institute of Electrical and Electronics Engineers have made the bold prediction that 75% of the world's vehicles will be autonomous by 2040.
The group, which contains the world's largest professional organization dedicated to advancing technology for humanity, are putting their faith in the autonomous vehicle as the most promising form of intelligent transportation of the future. While it may seem like a bold prediction, one of the group's senior members, Dr. Alberto Broggi (a professor of computer engineering at the University of Parma in Italy) is already an expert on the subject. Broggi was the director of a 2010 project that enabled two driverless cars to successfully complete an 8,000-mile road trip from Parma to Shanghai, China.
When it comes to transportation, one of the more obvious hurdles that must be overcome is the need to establish and build infrastructure, which the group believes already gives autonomous cars an advantage compared to other forms of transportation. Broggi believes that autonomous cars of tomorrow could simply travel on existing roadways (with modified traffic control systems in place), sparking dramatic changes to intersections, traffic flows, and highways, which will all but end the need for drivers' licenses.
Broggi and his colleagues anticipate that driverless cars will operate by using sensors equipped in each vehicle that will allow vehicle-to-vehicle and vehicle-to-infrastructure communication, which will mean the end for traffic lights and stop signs. Broggi believes that intersections equipped with sensors, cameras, and radar systems will monitor and control traffic flow, helping to promote more efficient traffic patterns, and help eliminate driver collisions.
Dr. Azim Eskandarian, the director of the Center for Intelligent Systems Research and IEEE member, believes that new traffic flow systems combined with more autonomous vehicles on the road will revolutionize highway travel as well. He believes that future highways will utilize their own designated lanes for autonomous and traditional vehicles, which will help minimize traffic jams, increase efficiency, and allow for faster speeds. This will enable autonomous vehicles to travel more safely than they would in traditional highway traffic, and enable the self-driving vehicles to drive faster with closer gaps between cars while platooning – having a lead car with other autonomous cars in tow. In fact, Broggi said that he believes autonomous cars should be able to safely travel at speeds up to 100 mph.
While potential benefits of using the system could truly be breakthrough, there are a number of obstacles that must be overcome before autonomous cars can become a reality. For the IEEE, the biggest roadblock will be the consumer. So far, drivers have remained hesitant to get behind the widespread adoption of driverless cars, according to the IEEE. However, the advent of new technologies, such as self-parking features, auto-brake, and lane-departure assistance systems, may help change consumers' minds as they trickle down to more affordable vehicles.
The post IEEE Predict That 75% of Cars Will Be Autonomous By 2040 appeared first on CarInsuranceQuotes.net.
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Imagine you lost your income today. How long could you survive financially? For many Brits, it could be under a week.
A third of households in the UK have less than £250 in savings, according to research from HSBC. Worst still, a fifth of households don’t have any money set aside as a safety net.
This means the average family could run out of money in just five days – based on monthly expenditure of £1,669. Let’s say you started dipping into your savings on a Monday, your emergency fund would be depleted by Friday – a terrifying thought for those of us without wealthy relatives and trust funds.
Scarier still: it seems the number of families without adequate savings is on the increase. According to the research, the number of families with fewer than five days’ worth of savings has risen by three quarter of a million since last year.
But what is the reality if you lose your income? We look at how those quizzed claim they would support themselves to see how viable these plans actually are.
Option one: Use savings (40% would do this)
The reality: As the research from HSBC demonstrates, many Brits have worryingly low savings levels and financial gurus often advise us to have the equivalent of three months’ salary stashed away.
What’s more, savings and redundancy pay tend to dwindle quickly, so you may need to cut down on luxuries and budget more strictly.
Option two: Apply for benefits (30% would do this)
The reality: Of course, it’s prudent to check your benefit entitlement as soon as you become unemployed. As well as Jobseekers Allowance, you may be able to claim Income Support, Housing Benefit and tax credits.
Bear in mind, however, you may not be eligible for certain benefits. For example, those with more than £16,000 of savings aren’t entitled to Jobseekers Allowance and those with more than £6,000 could receive a reduced sum. What’s more, your partner’s income may also be taken into account when calculating your claim.
Option three: Claim on income protection insurance (14% would do this)
The reality: Income protection can provide a financial lifeline, but these policies often carry exemptions and technicalities.
Crucially, most policies include an excess period – the time from the date the claim is made until the payout. Having a longer excess period can reduce insurance premiums, but you would need to find another means of supporting yourself during the excess period.
To learn more about income protection, see our beginner’s guide here.
Option four: Rely on partner and family (13% would do this)
The reality: If you’re lucky enough to have a partner and family to support you, it could alleviate some of the financial pressure, but there are a number of things to consider before becoming financially dependent.
First off, you probably won’t be making any National Insurance contributions during this time, which may reduce the amount of your state pension.
If a partner supports you financially, you could face significant hardship if you were to split up – especially if you’re unmarried and don’t have children.
If your name isn’t on a mortgage and you haven’t made any financial contributions to the property, you may not have any legal right to remain in your home.
Option five: Use a credit card, personal loan or overdraft (11% would do this)
The reality: Unless you find another source of income, it’s unlikely you’ll be able to start paying down the debt and could face spiralling interest payments.
Should you find yourself in this situation, it’s wise to seek independent advice from organisations such as National Debtline, Citizens Advice or StepChange.
**This material is for information purposes only and should not be considered financial advice. We strongly encourage our readers not to rely solely on this content, but to seek independent advice when making financial decisions.**
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Imagine you lost your income today. How long could you survive financially? For many Brits, it could be under a week.
A third of households in the UK have less than £250 in savings, according to research from HSBC. Worst still, a fifth of households don’t have any money set aside as a safety net.
This means the average family could run out of money in just five days – based on monthly expenditure of £1,669. Let’s say you started dipping into your savings on a Monday, your emergency fund would be depleted by Friday – a terrifying thought for those of us without wealthy relatives and trust funds.
Scarier still: it seems the number of families without adequate savings is on the increase. According to the research, the number of families with fewer than five days’ worth of savings has risen by three quarter of a million since last year.
But what is the reality if you lose your income? We look at how those quizzed c...
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Buying a smartphone isn’t cheap, but did you know these devices could also save you money?
If you own a smartphone, you probably love the convenience of having the internet and GPS quite literally at your fingertips.
However, these devices can also be fantastic money-saving resources. Here are eight of our favourite financial apps.
1. RedLaser
By using your phone’s camera, you can scan in an item’s barcode and RedLaser will compare prices in local shops and online retailers.
You can also use the app to check stock levels and reserve items you’d like to buy.
Free
Available on iPhone, Windows Phone and Android
2. Nosey Parker
With this app, iPhone users can search for the cheapest and safest parking spaces near their current location.
Nosey Parker could be especially useful for anyone who frequently drives in busy city centres or visits areas they’re not familiar with.
£2.99
Available on iPhone
3. Vouchercloud
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