Live Better
Refunds to new rides: 3 essential tips
(Family Features) Tax refunds have started rolling in, which means many people are looking to use this influx of cash to make purchases they’ve been putting off. According to an Oxford Economics report, the amount of money received from income tax refunds this year could be among the highest in recent years, so many people may have more money in their pockets to spend this spring.
One purchase typically rises to the top this time of year: used vehicles. The Oxford report shows used vehicles are one of the most popular purchases for Americans during tax refund time as this coincides with higher resale values of used vehicles. When making this purchase, it’s important to consider several factors to make a smart financial decision.
Make Sure the Purchase Fits Within Your Budget
Data from Kelley Blue Book and Cox Automotive suggests average used car prices are around 50% less than new vehicle prices. Trusted used car companies and dealerships often feature a wide selection of inventory, including different makes and models, so customers can select a vehicle that excites them and fits within their budget.
“While there are several considerations to keep in mind when shopping for a vehicle, consumers should never exceed their budget,” said Laura D. Adams, personal finance expert, host of the “Money Girl” podcast and a paid Enterprise Car Sales spokesperson. “A vehicle that is near new is often an excellent sweet spot for consumers looking for quality without wanting to make the leap to purchase an expensive, new vehicle.”
Searching for a vehicle with a retailer you trust can help make it easy to stay within your budget. For example, with Enterprise Car Sales, the price listed is the price you’ll pay.
Keep the Monthly Payment Low
The more you can invest in the down payment on a vehicle, the lower your monthly cost will typically be and the less interest you will typically pay over the length of the loan. This can lead to lower, more manageable monthly payments.
“In setting a budget for a quality used vehicle, it’s important to consider the initial down payment, the monthly payments, and the interest,” Adams said. “When consumers can put a little more toward the initial down payment, while staying within budget, they often thank themselves later when they have lower monthly payments and less interest accrued.”
There are many online resources that can help consumers make this calculation. For example, an auto loan calculator can show you how a down payment can affect interest charges.
Purchase a Reliable Vehicle
No matter who you buy from, ensuring you are purchasing a high-quality, reliable vehicle is of the utmost importance. Do your research before signing on the dotted line and conduct a test drive if you can.
“When conducting your search, it’s important to put companies and dealerships you trust at the top of your list,” Adams said. “Maintenance costs can sometimes creep up down the road, so it’s important to make this significant purchase from a company or dealership you trust.”
Some dealers also provide additional benefits to help protect a purchase. For example, all vehicles purchased through Enterprise Car Sales are “Enterprise Certified,” pass a rigorous inspection by ASE-certified technicians and come with a 12-month or 12,000-mile limited powertrain warranty (whichever occurs first), 12 months of roadside assistance and a 7-day or 1,000-mile (whichever occurs first) buyback policy.
With a little research and careful planning, you can find a reliable used vehicle that excites you. Visit enterprisecarsales.com for more information.
SOURCE:
Enterprise Car Sales
(Feature Impact) Travelers are more likely to trust a travel advisor over AI when the trip becomes complicated, expensive or likely to change. According to new research from ALG Vacations, a leading vacation package provider, 77% of AI users say they are likely to still rely on a human to make final travel decisions when using AI to plan.
The pattern is strongest among younger travelers. Millennials and Gen Z are using travel advisors at the highest rates of any generation, even as they also report higher trust in AI travel recommendations. Younger travelers are using AI and travel advisors for different parts of the same trip.
Are Millennials and Gen Z still using travel advisors?
Yes. Younger travelers are using both AI and travel advisors. In fact, among AI users, the youngest generations use travel advisors most:
- 51% of Millennials have used a travel advisor when booking a vacation
- 51% of Gen Z say the same
- 44% of Baby Boomers report advisor use
- 43% of Gen X report advisor use
The same generations leading on advisor use are also the most trusting of AI travel recommendations. Among AI users, 31% of both Millennials and Gen Z say they completely trust travel recommendations generated by AI, compared with 12% of Baby Boomers. They are using both.
When should you use a travel advisor instead of AI?
Consider using a travel advisor over AI when the stakes are high. AI users turn to travel advisors most often in these scenarios:
- 36% when something goes wrong, such as a canceled flight or a double-booked hotel
- 31% for complex or multi-destination trips
- 27% for group or family travel
- 27% for luxury or high-cost trips
When forced to choose between AI and a travel advisor for final vacation decisions, 44% of AI users pick a travel advisor and 37% pick AI. Among Baby Boomers, the gap widens sharply, with 59% picking a travel advisor and 15% picking AI.
What does a travel advisor bring that AI cannot?
Travel advisors bring human judgment, planning experience and direct support when a trip becomes more complicated. Among AI users, 82% say having access to a human for support when booking a vacation is extremely or very important.
That support matters when travelers are comparing options, booking a higher-cost trip, coordinating multiple people or adjusting plans after a disruption. AI can organize information quickly, but travelers still cite practical concerns about relying on it entirely.
The specific value travel advisors provide includes:
- Relationships with the people who run resorts, hotels and tour operators
- Access to deals and amenities not always available to the public
- Firsthand experience and industry knowledge
- Real-time support when plans change
- Judgment and personalization for complex trip planning
The top concerns AI users have about relying entirely on AI include important details being missed (42%), privacy or security concerns (42%) and having no support if something goes wrong (39%).
Is AI going to replace travel advisors?
No. The data shows AI and travel advisors, still commonly known as travel agents, serving complementary roles rather than competing ones.
AI is used for the research and inspiration stages of travel planning. Travel advisors are used for the booking, more complex decisions and moments when travelers want a person involved.
AI is now part of how people plan trips. Travel advisors are too. The travelers most comfortable using AI are also the ones turning to advisors most often.
To learn more about ALG Vacations and connect with a travel advisor, visit alg.www.vaxvacationaccess.com.
Methodology
ALG Vacations commissioned Atomik Research to conduct an online survey of 1,000 U.S. adults who currently use AI tools. The margin of error is plus or minus 3 percentage points at a 95 percent confidence level. Fieldwork was conducted between April 24 and April 28, 2026.
Atomik Research, part of 4media group, is a creative market research agency.
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(Feature Impact)For most households, buying a new vehicle is one of the largest financial decisions they’ll make. The purchase price is only the beginning, however. Fuel, maintenance, depreciation and insurance all contribute to the total cost of ownership, making affordability a consideration that extends well beyond the showroom.
To help consumers make more informed purchasing decisions, Mercury Insurance recently released its annual rankings of the most affordable new 2026 model year vehicles to insure, identifying the top-performing SUV, truck, sedan and electric or hybrid vehicles in four of today’s most popular categories.
“Consumers naturally compare purchase price, fuel economy, safety ratings and technology features before buying a vehicle,” said Chong Gao, director of research and development for Mercury Insurance. “Insurance is one of the few ownership costs drivers can estimate before making a purchase. Factoring it into the decision gives consumers a more complete picture of what that vehicle is likely to cost over the years they own it.”
While every driver’s premium is unique, this year’s rankings also revealed a broader trend: Practical, mainstream vehicles continue to offer some of the strongest long-term insurance value.
“Vehicles designed for everyday drivers often strike the best balance between safety, repairability and replacement costs,” Gao said. “That’s reflected in this year’s rankings, where familiar models from manufacturers like Hyundai, Chevrolet, Honda, Kia and Volkswagen rose to the top. It reinforces the idea that choosing a practical vehicle can pay dividends well beyond the purchase price.”
A Cost You Can Plan For
Unlike unexpected repairs or fluctuating fuel prices, insurance is a predictable ownership expense consumers can research before purchasing a vehicle.
Comparing insurance costs alongside purchase price, fuel economy, maintenance expenses and expected repair costs can help shoppers better understand the long-term financial commitment of vehicle ownership.
Factors Influencing Insurance Costs
Insurance costs are influenced by many factors, but repair complexity, parts availability, vehicle safety systems and historical claims experience all contribute to how a vehicle is insured. While advanced safety technology can help reduce accidents, vehicles that are easier and less expensive to repair can also help improve long-term affordability. Among the considerations insurers evaluate are:
- Repair and replacement costs
- Historical claims experience
- Vehicle safety features and crash performance
- Theft frequency
- Availability and cost of replacement parts
- Vehicle performance characteristics
The Most Affordable Vehicles to Insure
This year’s rankings show practical, mainstream vehicles continue to offer some of the strongest insurance value. The top spot in both the SUV and electric and hybrid categories was claimed by Hyundai while Chevrolet led the truck category and Volkswagen topped the sedan rankings. Rounding out Mercury’s rankings were several familiar nameplates recognized for balancing insurance affordability with everyday value.
SUVs:
- Hyundai Santa Fe
- Chevrolet Blazer
- Honda Pilot
- Kia Sportage
- Honda Passport
Trucks:
- Chevrolet Colorado LT
- Chevrolet Silverado C3500
- Ford Maverick and Ranger
- Hyundai Santa Cruz SE
- Toyota Tundra CrewMax
Sedans and Coupes:
- Volkswagen Golf R
- Acura Integra
- Honda Prelude
- Kia K4
- Mazda3
Electric and Hybrids:
- Hyundai Santa Fe Hybrid
- Chevrolet Blazer EV
- Kia Sportage Hybrid
- Ford Escape Hybrid
- Honda CR-V Hybrid
“The smartest vehicle purchase isn’t always the one with the lowest sticker price,” Gao said. “It’s the one that delivers the best overall value over time. Comparing insurance before buying gives consumers another tool to make a more informed decision.”
Visit MercuryInsurance.com to see the full rankings and request a quote to get a more complete understanding of long-term ownership costs.
Photo courtesy of Hyundai America (Hyundai Santa Fe)
Photo courtesy of Shutterstock (couple using laptop)
(Feature Impact) Summertime means sunshine, longer days, family vacations and social events everywhere you look – but summer can slip away if you feel too tired and distracted to make the most of your experiences.
According to a survey conducted by Atomik Research on behalf of Botanic Tonics, many adults ages 21 and older struggle to feel fully present in summer activities. Nearly half of respondents said having enough energy and a clear mind would help them get more enjoyment out of the summer moments that matter most.
With that in mind, here are five simple daily habits to support your energy and focus throughout the rest of the summer season.
Improve Your Sleep Quality
It might sound obvious, but getting better sleep should be a top priority for anyone trying to harness more physical and mental energy throughout the day. Keep your bedroom cool, dark and quiet; avoid consuming caffeine too close to bedtime; and wind down with a relaxing routine like reading or yoga.
Get Regular Exercise
Even though a workout consumes energy in the short term, it pays you back with dividends. Just 30 minutes of movement a day – including favorite summer activities like swimming or playing games in the yard – can improve your mood. Physical movement also helps reduce stress, which was a reported obstacle for 33% of survey respondents who wished they could be more present with friends and family during the summer months.
Stay Hydrated
When the weather is hot, it becomes more important to stay on top of your hydration. Even mild dehydration can negatively impact your energy and focus. When you’re out of the house, bring a reusable water bottle and set reminders to drink regularly, especially during and after outdoor activities.
Limit Device Usage
When you’re feeling sluggish, it can be tempting to collapse on the couch or in bed to scroll on your phone or watch TV. There’s nothing wrong with screen time in moderation, but digital fatigue is real and it can drain your energy and disrupt your sleep. Plus, 49% of surveyed adults said social-media-driven FOMO (“fear of missing out”) made it harder for them to enjoy their summer experiences in the moment.
Try Botanical Energy Offerings
When energy levels start to dip, it’s easy to reach for a cup of coffee, a sugary energy drink or soda. Products made with thoughtfully sourced botanical ingredients offer a different approach. For example, Botanic Tonics’ “feel free” kava-centric supplements are designed to deliver chilled energy: a unique combination of energy, focus and elevated mood.
For smooth, sustained energy without caffeine jitters or sugar crashes, try KavaMaté, crafted with noble kava root and yerba maté. For those looking to elevate their mood and enhance focus, feel free Classic is thoughtfully crafted with noble kava root and natural whole leaf kratom – never synthetic ingredients, alcohol or concentrates.
Learn more about these products, responsible consumption and where to purchase at BotanicTonics.com.
Photo courtesy of Shutterstock
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