Safer Cars Does Not Mean Safer Roads

These days, it is pretty standard for cars to include top of the line safety features. These range from rear-view cameras, lane departure warnings, traction control and even blind spot detection.

Driving a safe vehicle can also mean more money in your pocket as drivers can save on car insurance cost. A car insurance company is generally able to provide more affordable car insurance if your vehicle has safety features. However, safer cars do not necessarily mean safer roads across the country.

From January to June, approximately 18,720 people have died on U.S. roads. As a result of a growing economy, people are driving more miles compared to recession level data. Less unemployment means more cars are on the road getting people to and from work and more money for leisure activities. In 2017, Americans traveled 3.22 trillion miles according to the Federal Highway Administration.

Factor in more miles driven along with speeding, drug and alcohol impaired driving and distracted driving and the fatality rate is at an all-time high.

South Carolina leads the nation in traffic fatality rates per miles traveled. In 2017, the state had 1.88 deaths per 100 million miles traveled, which is almost two times the national average. Illinois reported 1,090 traffic deaths.

This trend prompted Governor Rauner to declare August 17 as Traffic Fatality Awareness Day at the Illinois State Fair through a partnership with the Illinois Department of Transportation, the Illinois State Police, Illinois Department of Health, Illinois Secretary of State and Mothers Against Drunk Driving.

States across the country have launched similar awareness efforts like Vision Zero. Vision Zero’s goal is to strategically eliminate traffic fatalities and injuries while increasing safe, healthy and equitable mobility for everyone.

Reducing speed is perhaps the most effective way to reduce the fatalities. Speed increases the distance it takes a car to come to a complete stop. The speed of impact is also directly correlated to the risk of death. The higher the speed of impact, the higher the probability of a passenger dying becomes.

Even with lower speeds, it is hard for police officers to enforce these lower limits. Automated cameras are already unpopular and adding more would also be costly.

A New Car Break-In Technique

We live in a fast pace society and that includes technology development. Technology can be a great tool to make our lives much easier in many ways. However, with great technology comes great responsibility. It is easy for technology to consume your life. It is also easy to abuse and misuse the wonders of technology.

With this story, that is the case. Thieves caught on surveillance camera were recorded walking up to cars and yanking on the handles. Usually at this point you would see broken windows or pried open doors. In other words, there would usually be a lot of damage done. But, in this case the thieves seemed to use a compact device to electronically unlock the doors.

It is pretty easy to manipulate, according to tech experts, especially since most vehicles use a keyless method to unlock and lock their vehicles. It is easy to create something that manipulates the vehicle into thinking that the owner with the car remote is standing nearby, even when the are not.

This case took place in Sauk Village, IL, but it is not unheard of happening in other places. The victims losses included a jujitsu belt and some boxing gloves, estimated around $30. Fortunately, there was not anything extremely valuable to the victim in the vehicle. Again, the thieves left no evidence or damages besides the contents of the glove box being strewn across the passenger seat.

Although this new technique can be difficult to prevent, there are a few factors to keep in mind when trying to prevent theft. First, remember to avoid leaving anything valuable in your vehicle, especially when leaving it for the night. If you are running errands and must leave something in your vehicle, experts advise you leave it in the trunk or underneath a towel or blanket.

It also helps to install extra security systems and anti-theft devices in your car. It decrease your auto insurance cost and prevent the theft of any belongings. It also helps to add security systems around your home to expose criminals such as the surveillance footage did.

Another tip that may reduce the likelihood of a break in is parking your vehicle in a well-lit area. Most thieves will not target a vehicle that is in an area that has relatively bright lighting because it increases the likelihood of them getting caught.

It also helps to avoid parking in an otherwise empty area. This also makes your vehicle an easier target to thieves since less people will be around.

Remember, car break-ins are fairly common and now technology is making it even easier to unlock and get into vehicles. Always lock your vehicle when leaving it and again, never ever leave valuables such as money or electronics in your car.

Online Gambling Debts – How to Deal With the Causes and Effects of Online Gambling Debts

One thing there is no shortage of on the internet is opportunities to gamble. We are spoilt for choice, whether your fancy is for betting on sports, playing virtual card games or bingo. One of the things that makes internet gambling so potentially dangerous is that it is easily available for 24 hours a day. The real danger comes when you combine this factor with the fact that it is so easy to feel detached from the reality of money spent online. Gradually racking up a debt online does not feel the same as handing over hard earned cash from our wallet, so it is that much easier to lose track of how your online spending is mounting up.

For these reasons, debt problems from internet gambling are on the increase. In this article I hope to clarify some of the legal issues around online gambling, as well as providing some advice on dealing with the underlying problem and the debts that result from it.

Legal Issues Around Gambling Debts

When we talk about debt from online gambling it is important to be clear about the nature of the debt, because who the money is owed to does make a difference. People are often unsure about the legality of debts from online gambling. In the UK you can gamble legally on credit and incur a debt, but this debt is not then enforceable through the law.

However, there is an important point to make here, which is that this only applies when you are using credit extended by the company offering the gambling (casino, bookie, etc). If you use a credit card company to pay for internet gambling, that is a legally enforceable debt the same as it would be in any other circumstance, because you have borrowed money from the credit card company, not the casino. It is now against the law in the US to use a credit card to pay for online gambling.

You will find that many credit cards will regard a payment to an internet gambling website as a cash advance. This is then clearly borrowing money from the card company and the debt you incur can be pursued through legal action. If you do use a credit card to pay for online gambling this way, you should be aware that cash advances on credit cards are almost always charged at a much higher rate of interest than normal credit for purchases.

How To Deal With Debts Caused By Gambling

In dealing with gambling debts, there are two separate issues to tackle. One is the debt itself, and the other is the habit of gambling that led to the debt. Even if the debt is dealt with, it is likely to build up again if the root cause is not tackled too. Let us first consider the problem of paying off the debt.

The principles for tackling debt are nearly always the same, irrespective of the causes of the debt. To permanently deal with debt you should not be considering borrowing more money or paying anyone to deal with your debt for you. These courses of action are likely to deepen your debt in the long run.

With a little advice, you can deal with your debts yourself, by contacting your creditors and agreeing terms for repayment that you can afford. There is clearly more to it than that, but it is beyond the scope of this particular article. The process is straightforward and allows you to take back control of your finances.

Factors Leading To Internet Gambling Debts

It may help to have an understanding of why some people can become addicted to online gambling. The following are often contributory factors:

Gambling can be thrilling, leading to an adrenalin rush and feelings that we want to recreate time and again.

Many addictive gamblers think that they can win money and that this will solve all their other problems. It actually just leads to more problems by creating debt, which can then make it seem even more important to win the money, creating a vicious circle.

Addiction to gambling can actually be a mental disorder, which can lead to a compulsive need to gamble.

Being addicted to online gambling is often associated with other personal difficulties, including depression and stress.

Online Gambling Debts – The Warning Signs You may have a problem if you can answer yes to any of the following questions:

When you are not gambling, do you think about gambling and how you are going to get back to it?

Have you ever missed work because of online gambling?

Do you feel the need to gamble again after winning or losing?

Is the length of time you spend on gambling getting longer and have you ever spent longer online than you thought you had?

Are you secretive about your gambling with family or friends and do you dislike other people bringing it up?

Practical Steps To Tackle Online Gambling Addiction If you think you may have a problem with online gambling, here are a few simple steps you can take to begin to reduce or stop the habit:

Be open with friends and family and seek help with the problem.

Cancel any accounts you have with websites for online gambling.

Consider using software that blocks your access to online gambling websites.