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  Automotive

  Winter Tires: A Must-Have for Safe Winter Driving

  A yearly war starts on many every year as the temperatures are on a steady decline and snow begins to hit the ground; to get the winter tires, or not get the winter tires. While countless drivers in a normal seasonal climate might believe that all-season tires are good enough, winter tires are the safe, effective traction solution for cold, ice, and snow. Below we summarize the key advantages of winter tires and why their use is so important for safe driving in the winter months.1.Improved Grip on Snow and IceThis is because winter tires are specifically built to have a better grip on snow and ice. The tread patterns of their take a notch deeper grooves and biting edges that grip slippery surfaces better than all-season or summer tires. Winter tires are made with a natural rubber compound that continues to stay flexible in very low temperatures, which allows winter tires to conform more to the road surface. This leads to more grip, less slipping and more stopping power, even in extreme winter conditions.2.Enhanced Handling and StabilityWinter tires are designed to provide better handling and stability in the cold. Its distinctive tread design and rubber composition improve steering precision andcornering grip, even on slippery conditions. This is especially useful for drivers negotiating twisty roads or steep climbs in winter. When theweather turns sour, you can feel in command, and confident when you have winter tires on your vehicle.3.More Efficient in LowTemperaturesAll-season tires are meant to do a decent job in a broad range ofsituations, but they don't excel when the temperature drops significantly. The rubber in all-season tires there hardens when the temperature begins to fall below 7°C (45°F), limiting their effectiveness and grip. Winter tires howeverare made from specialized rubber compounds that remain soft and pliable even in freezing temperatures, providing consistent performance throughout the winter months.4.Enhanced Security for All Types ofVehiclesEven if you own a sedan, SUV, or truck,winter tires can add incredible value to the safety of your vehicle. Winter tires help even the best four-wheel drive (4WD) or all-wheel drive (AWD), since that technology only enhances acceleration, not stopping or turning. Winter tires help dial in the grip and control you need to complete your vehicle's drivetrain to help make and keep driving as safe as possible.5.Long-Term Cost-SavingYou can buy snow tires, but they require a bit of an investment upfront, but in the long-run lead to saving cash. When using winter tires in the cold months and summer or all-season tires in warmer weather, you also improve the life of your two types of tires. Furthermore, winter tires' enhanced safety and performance can save you from costly accidents, repairs, and higher insurance premiums.6.Peace of MindThe greatest advantage that winter tires have to offer may well be peace of mind.Winter tires help eliminate the stress and anxiety of driving in the snow and ice, allowing you to drive moreconfidently and safely in the winter months.If you’re driving on cold weather roads, winter tires aren’t an optional accessory, they aremust-havedevices. Snow tires excel and reassure when itreally counts, they provide better grip, shorter stopping distance and better handling. The cost of a set of winter tires is not exactly cheap, but it is a smallprice to pay to give you, your passengers, and or everyone else on the road with you a little more peace of mind. So the bottom lineis, you should not mess around when it comes to safety and get your car fitted with winter tires this coming winter so you can drive with the confidence that these best tires for the season provide.
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  Travel

  Steps to Get Discounted Airfares for Seniors

  Regardless of age, traveling is something that many people love and for seniors, it can often open up new territory to explore, revisit their favorite place, or get the opportunity to see the world at a relaxed pace. But sometimes the cost of airfare becomes an obstacle to those travel dreams. Luckily, there are plenty of methods seniors can take advantage of to save money on airfares, so their travels can be enjoyablewhile still being easy on the wallet. Here are very useful tips toenable you save more from your next flight.1.Become a Member of AARP and Other GroupsJoining associations, for example, AARP (American Association of Retired Persons) is one of thesimplest ways for seniors to receive concessions. There are a number of travel benefits with AARP, including exclusive airfare offers made possible through partnerships with airlines.A nominal fee typically comes with membership, but the savings on flights morethan offsets the expense. Watch AARP’s travel page for flashsales and otherseniors-only offers.2.Use Airline LoyaltyProgramsMost airlines have loyalty programs that compensate frequent flying travelerswith points, miles,or cash discounts. As a senior, joining these programs and earning points from some occasional trips can help one save a good amount of money overtime. Some airlines also havespecial senior discounts, so it’s worth reviewing the fine print of your favorite carrier’s loyalty program forage-specific advantages.3.Book at the Right TimeAirfare is allabout timing. In general the best fares become available middle of the week (Tues or Weds) and several months ahead oftravel. During thesetimes, airlines often release promotional fares that seniors can capitalize on. Do not book during busy travel periods orholidays when rates can be sky high. Being flexible with your travel dates can alsounlock cheaper options.4.Use Travel Agencies, Websites that Specializein Senior DiscountsThere are plenty of travel agents and online sites which caterspecifically to offering seniors discounted prices. SeniorDiscounts.comand similar web sites have a great deal of information.Travelzoocan be excellent resources for deals. These platforms pull offers from different airlines,by doing this you can compare prices and choose the fittest option without going through many different airline pages.5.ExploreAlternativeAirlines and RoutesBudget airlinesand smaller carriers often aren't the first choice, but often offer the best value for money. Donot ignore these options if they service your destination.And, comparing other airports or layover pathscan yield huge savings as well. Occasionally a slightly lengthier trip can yielda considerably cheaper fare.6.Get a Dealand Ask for DiscountsFeel freeto contact airlines directly and ask about other possible senior discounts. Some airlines advertise their senior rates front and center, but others may have them available only on request. Be courteous and persistent; a single phone call might getyou a substantial discount that’s notmentioned in plain view.7.Utilize Companion FaresSenior travelers can find low-cost tickets by keying in specific keywords (such as oneof the benefits airline offer—companion tickets) in the airline website's search bar. If you are eligible for a companion fare, the price of your trip can effectively be cut inhalf. Look for such promotions that cango a long way in working wonder.To sum up, although airfare can discourage travel, older adults have a number of options to try to getreduced rates. With all above mentioned ways and methods such as understands joining the right organizations loyalty programs, closet brochure booking, travel-new-specialty-organizations, alternativetrips, negotiating, partnerships for two mates, you can get discounted airfares for seniors.
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  Finance

  Credit Unions Offering the Best 5-Year CD Rates

  Certificates of Deposit (CDs) are a popular choice for those saving money. Out of all the different CD terms available, 5-year CDs tend to have some of the highest interest rates, so they are often a good option for investors who are willing to tie up their cash for a longer duration. Banks tend to be the default choice for CDs, but credit unions have come to be a strong alternative, frequently offering competitive rates and member-centric perks. This article explores credit unions that are offering some of the best 5-year CD rates and whether they are the right option for your savings needs.1.Navy Federal Credit UnionNavy Federal Credit Union (NFCU), in fact, is one of the largest credit unions in the USserving military members, veterans and their families. NFCU is a competitive player on CDs as evidenced on its 5-year CD. Currently, the 5-year CDrates with them are frequently among the highest available on the market. Besides competitiverates, NFCU offers flexible terms and the option of a specialty certificate that gives it a one-time rate bump during the term. Membership is limited to military or Department of Defense affiliates, but for thosewho meet that criterion, NFCU is among the very best.2.Alliant Credit UnionAlliant Credit Union is a name that you can trust on this list with their competitive rates and also high-yield CDs. Ally's 5-yearCD is especially attractive for anyone who wants to make the most of their savings. Alliant also has low fees and an easy-to-use online banking platform, making it a great option for tech-savvy consumers. Anyone who joins Foster Care to Success, a nonprofit organization, can become a member for a small donation.3.PenFed Credit UnionAnother one of the best 5-year CDs comes from PenFed Credit Union — short for Pentagon Federal Credit Union. Originally catering to military personnel, PenFed has opened its membership to anyone who joins a qualifying organization or donates a small amount to a partner nonprofit. Consistently competitive with PenFed 5-year CD Rates, they offer a variety of CD Terms for your investment goals. They provide easy access to online tools and resources to help you manage your account and track your savings progress.4.Delta Community Credit UnionGeorgia-based Delta Community Credit Union is one of the Southeast's marqueecredit unions, and it offers some of the best CD rates you can find in the region. One of their most attractive products is the 5-year CD, which frequently offersrates that beat many of the national banks. Membership is available for residents and people who work, worship or go to school within eligible Georgia counties, as well as select employer groups and associations. Delta Community also offers customer service excellence and diverse financial products to meet needs across the spectrum.5.SchoolsFirst Federal Credit UnionSchoolsFirst FCU is one of the largest credit unions for school employees in California and offers some of the best CD rates. Contributing to its popularity is their 5-year CD for members looking for a long-term saving solution. SchoolsFirst also has a broad range of CD terms and an option to ladder CDs, which enables members to stagger when the investments mature for greaterflexibility. Membership is limited to the education field, but it's a great option for those who qualify.In conclusion, individuals looking for the best 5-year CD rates would do well to check out credit unions. Credit unions such as Navy Federal, Alliant, PenFed, Delta Community and SchoolsFirst drive the top tierof competitors with their member-oriented focus, competitive rates, and community-driven values. However, by analyzing your financial targets and comparing the services offered by different credit unions, you can discover a 5-year CD that enables you to grow your savings alongside anestablishment that prioritizes the needs of its customers. If you're saving for something big, an emergency fund, or a retirement fund, then a 5-year CD offered by a credit union may be just the tool you need to reach those goals.