A vehicle service contract, also known as an extended warranty, can help you pay for the cost of certain auto repairs for your vehicle. It is primarily used to cover the costs of your vehicle once the manufacturer’s warranty expires; however, sometimes the two overlap as well. This warranty can be purchased at the time of buying the vehicle and in a few cases, before the original warranty expires. If you are unsure whether you need an extended vehicle warranty, then you can take cues from this article. An extended warranty doesn’t cover everything While extended warranties are quite useful in case of unforeseen vehicle damage after the limited warranty has expired, they don’t cover many maintenance costs such as oil change, wheel alignment, filter change, and even roadside assistance. It is necessary to read the agreement’s fine print to find out the inclusions and exclusions of the warranty cover. To help you decide better, here are a few benefits and drawbacks of extended vehicle warranties: Pros of an extended vehicle warranty A major advantage of an extended warranty is that it can save you money on repairs that are not covered under the original contract. The warranty provider pays for the services that are included in the extended warranty, while you pay only for the deductible instead of the entire bill.

The first choice can be the hardest when it comes to buying one of the best smartphones. It is not simple to decide between an iPhone and Android; both offer plenty of features and might seem the same other than price and brand name. However, taking a closer look can reveal a lot of crucial differences. So, if you have decided to buy a new smartphone but cannot make up your mind between iPhone or Android smartphone, this article will give you five reasons to buy an iPhone. Read on to find out more. Better software and hardware integration The main reason that iPhone has better software and hardware integration is that Apple has total control over its widgets. This means that certain features are pulled off first by Apple or iPhone. The best example is the Face ID. It uses a 3D scan, which can securely log you into the iPhone using your face via a TrueDepth sensor. Apart from this, Animoji and Memoji from Apple hardware and software work seamlessly together. iPhones are faster If you’re thinking of buying a smartphone, know that the iPhone A13 Bionic chip can surpass anything from the Android camp. It has also been found that the latest iPhones can transcode video faster than Android phones.

Despite heavy competition from the likes of Ford Ranger and Jeep Gladiator, Toyota’s Tacoma produced outstanding results and dominated the midsize pickup segment in the United States last year. The company sold a personal-best 248,000 Tacoma vehicles, showing off a 1.3% increase in the number sold in 2018. Experts predict the car’s dominance to continue in the coming years, with the all-new 2020 Tacoma expected to break further ground. Launched in September 2019, the 2020 Toyota Tacoma is an engineering marvel equipped with sensational off-roading capabilities, next-generation technology, and an expansive list of standard amenities. The model is by far better than its predecessor, having a whole list of upgrades and features not found in the 2019 Tacoma model. Next-gen Toyota Entune 3.0 Technology is one major differentiator between the 2020 and 2019 Tacoma. The next-generation Toyota Entune 3.0 touchscreen infotainment system replaces the Entune interface found in the 2019 model. The new system features a seven-inch touchscreen and provides access to Apple CarPlay, Android Auto, Amazon Alexa, and onboard Wifi Connect capabilities. Entune 3.0 also brings Scout GPS Link with Full-Moving Maps, Dynamic Navigation, Remote Connect, and Safety Connect. The all-new Toyota Panoramic View Monitor (PVM) System and the Innovative Multi-Terrain Monitor (MVM) system provide a 360-degree view of the terrain above and below.

Today, we can safely say that robo advisors, automated investing services, have established their place in the investment management landscape. Over the years, these services have evolved into offering clients human financial advisors, among other solutions. With so many interesting automated companies around, it can be difficult to figure out which one is the best for you. Here are a few important points you must consider to narrow down your options. Check the fees Many robo advisors usually charge a percentage of your invested assets as an annual management fee. For most, this fee ranges from 0.25% to 0.50%. If the annual fee is 0.5%, you will be charged $50 if your account balance is $10,000. That being said, some services charge no fees at all, or some can charge as much as 1%, depending on what they’re offering. If you’re just getting started and are planning to invest only a little, a zero-fee or minimal fee robo advisor can be a great choice. Know what the service is offering Fees shouldn’t be the main factor while choosing the best automated investing service. You must have a look at what these robo advisors are offering apart from essential services. Some robo advisors’ services can significantly boost the returns on your investments, making up for any fee that you’ll be paying annually.

Making up a stunning 15% of the overall auto sales, pickup trucks are on the rise in the country. The segment is outperforming most of its competitors, with more and more renowned brands joining the bandwagon to earn a share of the market. But pickup trucks are a tough nut to crack, needing years of expertise, innovation, and data to really make an impact. Dodge, which later became RAM, is an exemplary specimen to follow in that regard. The company is arguably one of the market leaders in the pickup segment, selling a mind-boggling 633,694 trucks in 2019. It has hardly been a cakewalk though, requiring persistence and continued innovation. Ever-since they lit up the segment in the early 1990s with their award-winning 1994 second-gen RAM, the company has been able to connect with more and more American consumers. Their latest innovation, the 2020 RAM 1500 is a further rendition of the brand’s unmatched capability in the segment. Here are five features that make the RAM 1500 the best pickup truck of 2020. EcoDiesel Engine The new 3.0L EcoDiesel V6 Engines backs a punch and offers great fuel economy, both in city and highway. It develops 480 pound-feet torque, 260 horsepower, and has an available towing capacity of 12,560 pounds for impressive power.

With the current financial situation, searching for good investment opportunities can be challenging. This is why you need to choose an advisor who works according to your requirements. The right investment advisor will manage your wealth and safeguard your financial assets. So, here are some tips on picking the best advisor for your investments. Understand what the market holds for you The Internet has helped us completely automate a plethora of services. A few such examples are financial planning and investment advising. But when it comes to investments, there are also traditional financial advisors. The third type of firm is one that combines online operations with offline advising. So, before you choose an advisor, you need to understand and research which model suits your assets the best. Get them vetted Irrespective of the model you choose, you need to check if the advisors have The right qualifications A proper fiduciary standard where they hold your best interests at heart A Form ADV that discloses everything from their fee structure to their management history Keep the budget in tow An essential aspect to consider while choosing your investment advisor is the budget. Online firms charge way lower commissions compared to a traditional firm.

The top credit cards companies in the country mostly operate over VISA and MasterCard payment networks. Apart from issuing basic lines of credit, these companies offer additional benefits for cardholders including bonuses, travel miles, and cash back offers on selective purchases and services. Some credit cards also offer exclusive 0% interest balance transfer to reduce the burden of debt. To help you zero in on the best credit cards companies, we have compiled the best offers available with the top three credit cards companies. Discover It ® Ranking among the top three credit card companies, Discover It® offers an exclusive range of bonus category cash back cards, no annual fee miles travel cards, student cash back cards, and even cards for rebuilding your credit. To apply for most of these benefits, you must have a good to excellent credit score (anywhere between 690 and 850). The cash back card is one of the few in the market that offers double returns for the first year, among other bonuses and perks. Alternatively, for frequent travelers, you enjoy unlimited 1.5 miles per dollar spent and a double miles benefit for the first year of subscription. Note that most of these cards have 0% annual fees and offer flexible options for balance transfer with the lowest APR available in the market.

Dividend exchange-traded funds (ETFs) are used to invest in a pool of high dividend-paying stocks. These stocks can span a range of economic sectors and industries of either domestic or international domains. However, they tend to be associated with companies with a strong history of dividend increases, essentially meaning that high dividend ETF funds are usually associated with bigger, less-risky, blue-chip firms. As a result, these funds are favored not only by income-seeking investors who are more risk-averse but also by those who want to balance riskier investments in their portfolio. The dividend ETF universe comprises of numerous distinct ETFs, excluding inverse and leveraged ETFs. This article lists some of the best high dividend ETFs below: Fidelity NASDAQ Composite Index Track (ONEQ) The issuing company of this high dividend ETF is Fidelity. It has an expense ratio of 0.21 percent with an annual dividend yield of 1.79 percent and a 3-month average daily trading volume of 37,090 shares Assets under management amount to $2,488.6 million. ONEQ is a dividend ETF investing in stocks of U.S. companies. It has a variety of market capitalizations and follows a blended strategy by investing in both value stocks and growth. First Trust NASDAQ Technology Dividend Index Fund (TDIV) With an annual dividend yield of 2.19 percent, First Trust NASDAQ has an expense ratio of 0.50 percent.