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Beyond the sticker: ID the most affordable new vehicles

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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)

Mercury Insurance

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5 ways to make a difference in your community

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(Feature Impact) Communities are strengthened every day by local organizations working to address challenges close to home, whether that’s helping families access food, supporting students, expanding opportunity or providing essential resources to those who need them most. Often operating with limited resources, these organizations are finding practical solutions that make a meaningful difference in neighborhoods and communities across the country.

Many of these efforts happen quietly, powered by people who volunteer their time, share their expertise, donate resources or simply help spread awareness of causes they care about.

For individuals looking to make a difference where they live, community involvement doesn’t have to start with a large commitment. Consider these five options to get involved.

Give Your Time

Giving your time is one of the most direct ways to support organizations serving your community. Whether it’s packing meals, mentoring young people or participating in neighborhood cleanups, volunteering allows people to contribute directly while gaining a deeper understanding of local needs.

Share Your Skills

Nonprofits often need specialized skills in addition to hands-on volunteer support. Communications support, technology expertise, event planning, photography, financial guidance and other professional skills can help organizations expand their reach and strengthen their operations. Contributing the skills you’ve developed can often be just as valuable as donating time or resources.

Tap Into Your Workplace

Many employers offer opportunities to support causes that matter to their employees, such as volunteer programs, community grants or other charitable opportunities.

In communities across the country, local nonprofits can receive support through programs like the PepsiCo Foundation’s Community Impact Awards, where employees can nominate nonprofit organizations in their local communities for grant funding. Since 2022, the program has invested more than $3.7 million into organizations working on issues ranging from food access to education and community development.

“Across North America, there are organizations showing up every day for their communities, often without recognition and with limited resources,” said Monica Bauer, SVP of social impact, PepsiCo and president of the PepsiCo Foundation. “The Community Impact Awards help shine a light on organizations that are creating opportunities, solving local challenges and making a real difference in people’s lives. What makes this program special is that the recognition comes from PepsiCo associates who know these organizations firsthand and have seen their impact up close.”

This year, 100 organizations across the U.S. and Canada received $500,000 total in grants and teamed up with their respective nominating employees for volunteer activities supporting their missions, giving employees another opportunity to engage directly.

Give What You Can

Financial contributions are a valuable way to give back, but they aren’t the only option. Many organizations need non-monetary donations such as school supplies, canned goods, clothing, toys and technology. Before collecting items, check with organizations to learn what is most needed and how contributions can make the greatest impact.

Use Your Voice

One person can make a difference. When that person gets a friend or family member involved, more people can discover and support organizations doing important work. Sharing a nonprofit’s mission on social media, inviting others to volunteer or connecting people with causes you care about can help organizations reach new supporters and expand their impact.

Making a difference doesn’t require doing everything at once. Whether you contribute your time, skills, resources or advocacy, small actions can help make a big impact over time.

Across the U.S., nonprofit organizations are helping improve lives, create opportunities and respond to community needs every day. Their work is a reminder that meaningful change often starts locally with people willing to get involved.

Learn more about how individuals and organizations can help address some of the most pressing needs in their communities by visiting PepsiCo.com/about/social-impact.

SOURCE:

PepsiCo

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Tools to help small businesses succeed

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(Feature Impact) Owning a small business has been a cornerstone of the “American Dream” for generations. It represents the chance to transform a passion into a livelihood and legacy. However, turning dreams into reality is rarely a smooth or easy process and requires more than ambition alone. Today’s business owners need support and access to tools that enable them to overcome challenges and keep growing.

Recent research conducted by the Capital One Insights Center shows 75% of more than 1,000 surveyed small business owners with more than one employee and annual revenues of up to $20 million are confident about the future, and 69% believe their business is actively primed for growth.

While this optimism is promising, 47% of business owners still said their operations either stayed the same or became less efficient over the past year, citing issues like back-office friction and fragmented financial systems that make it difficult to get a clear picture of the health of their businesses.

If you’re a small business owner eager to grow but not sure how to get there, start with this advice from real small business owners and experts at Capital One.

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Identify Sources of Friction

Before you can pour effort into growth, you must understand what barriers are holding you back. Take time to look under the hood of your business to identify where time and energy is being lost.

For example, you may be among the 78% of small business owners who feel stressed and uncertain about expense management – think hours spent hunting for receipts, manually entering numbers into software and reconciling accounts. Operational challenges aren’t just a hassle; they also pull attention away from important priorities like serving your customers and planning for growth.

“We were focused on making as many candles as possible, especially during the busy season,” said Katie Roering, co-owner of Fontana Candle Co. “A lot of the back-office tasks like procurement, raw material purchasing, forecasting – all the really important things – were done at 3 a.m., 8 p.m. or on Saturday and Sunday, and there really just was not enough time in the day to get everything done that we needed to. We just knew as we continued to grow, we needed to streamline our processes, build out our team and keep moving forward.”

Use Integrated Tools to Manage Finances

Instead of balancing 10 different tracking and analysis tools, you can turn to one-stop solutions to improve efficiency. Time gets lost when you’re forced to manually gather and interpret relevant data before you’re able to act. You need a platform that handles the busywork for you.

Integrated, or “all-in-one,” financial tools – like accounting and bookkeeping platforms with automation capabilities or business credit cards featuring built-in analytical tools – allow you to easily stay on top of cash flow and day-to-day operations. For small businesses where every hour and dollar makes a difference, consolidating and automating systems can have an immediate impact. In fact, 51% of survey respondents said integrated tools have already fueled their growth.

Leverage Credit Access and Rewards Wisely

Growth requires capital, so access to credit is a game-changer for many business owners, with 77% describing it as a key factor in achieving business resilience. Having funds accessible when you need them makes your business more capable of weathering storms such as equipment failures and seasonal slowdowns. It also puts the power in your hands to act when an exciting opportunity presents itself, like an inventory flash sale or the chance to advertise in a new market.

Access to credit comes with another advantage: rewards. By using credit cards for your daily business expenses, you can earn cash back, points or travel rewards. Whether you redeem these to cover everyday expenses, book business trips or reinvest in the business, they can act as a bonus source of income. Learn to maximize rewards like the 84% of small business cardholders surveyed so you aren’t leaving money on the table.

To learn more about how small business owners can identify obstacles, employ integrated financial tools and use credit as a tool for growth, read the full report at capitalone.com/about/insights-center.

Photos courtesy of Shutterstock

SOURCE:

Capital One

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Design your home workshop space around how you actually exercise

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(Feature Impact) It’s a tale as old as treadmills: You buy a new exercise machine with the best of intentions, only for it to become an expensive laundry rack that makes you feel guilty every time you glance over at it. When it comes to making lifestyle changes, the key is not to overhaul your whole routine at once, but to figure out what habits match your lifestyle, personality and passions.

Use these tips to create a home workout space you’ll keep using after the novelty wears off.

Figure Out What Exercises You Enjoy

Before you commit to a big equipment purchase, think about what kinds of exercise feel natural and enjoyable (and which ones make you groan).

If you love running, a treadmill may be worth the space it takes up. However, a rack of dumbbells might just wind up collecting dust if you hate lifting weights. Yoga or dance enthusiasts may prefer to design a more studio-like home gym, while bodyweight strength trainers could be happy with a pull-up bar in the doorway and a mat to do planks on. Consider joining a workout class or gym for a month or two to try different kinds of exercises and machines so you’ll have a better idea of what’s worth investing in permanently.

Evaluate the Space You Have

A good home workout area needs to work around the physical realities of your house or apartment. If you have a whole room or finished basement to dedicate to the cause, this won’t constrain you too much. If you’re working with a corner of your home office, bedroom or garage, saving space becomes a more critical factor.

In these cases, it all comes down to priorities. If you only have room for one piece of bigger equipment, get the one you know you’ll actually use, whether that’s an elliptical, strength machine, standing bicycle or rowing machine. Then build out your collection with other items that can be easily moved and stored, like resistance bands and small weights or dumbbells.

Start Small and Expand as Needed

Don’t fall into the trap of thinking you need to have everything before you can get started. It’s often better to build out your workout space slowly – get a few things at a time, see what you use regularly and figure out what you might be missing along the way. Maybe you realize you enjoy lifting weights and keep wishing you had heavier ones, signaling a need to upgrade.

Add Some Atmosphere

Dark, dismal home gyms are more likely to make your workout feel like a punishment instead of a part of your day worth looking forward to. Creating a space you enjoy being in is just as important as choosing a workout you enjoy doing.

For you, that might look like choosing an area of the home with plenty of natural lighting to make you feel more awake – or adding string lights and color-changing wall sconces for a relaxing yoga session. Maybe it means adding art on the walls or a floor-to-ceiling mirror so you can check your form. A large rubber floormat with a cheerful design, a sound system to play your favorite hype songs or a daily calendar of motivational quotes could be the magic ingredient to get you into the right mindset so you can crush your workout. As long as it works for you, anything goes.

For more tips on home design that fits your life, visit eLivingtoday.com.

Photo courtesy of Unsplash

    

SOURCE:

eLivingtoday.com

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