New Study Finds Colorado Drivers Aren’t So Great

New Study Finds Colorado Drivers Aren’t So Great

We would all like to believe that we’re good drivers. Sure, we might make a mistake here and there, like not signaling a lane change or cutting someone off to make the exit, but we’re human. Things happen. All we can do is try our best and learn from our mistakes. I mean, having an irate driver blaring their horn behind you is enough to make sure that you don’t (or at least try not to) cut someone off ever again.

But we are forgetful creatures. If we’re feeling good about ourselves, feeling confident, you know, we take advantage. Such as like with our driving, especially if we have places we need to be. It’s not any different for Coloradan drivers. Have you noticed when driving in that state that the motorists aren’t really, well, the greatest?

No offense to Colorado drivers, there are definitely good ones out there. Every state has their fair share of lackadaisical motorists. However, the driving statistics for Coloradans show that Colorado in particular has a less-than-stellar driving record.

Let’s take a look at the findings:

Unsafe Driving Maneuvers: Where Does Colorado Rank?

According to the Denver Post, Colorado ranks eighth as the worst driving state in terms of speeding tickets, traffic citations, car accidents and DUIs. If you just isolate it to traffic citations, they take the top spot. So what choices are Coloradan drivers making on the road, and how can we help to make those choices better?

As of 2014, Colorado’s state patrol has found that speeding, DUI, distracted driving, failure to yield and lane violations (not using your blinker to signal a lane change) has all had a marked negative effect on Colorado roads. Blustery winters, blizzards and traffic jams don’t help the situation, nor does road rage.

Stopped a stop sign, Miguel Baray was honked at by another man named David Garcia, who it can be assumed wanted him to roll through the stop sign, not to make a complete stop. Annoyed, Baray flipped off Garcia. Instantly enraged, David Garcia shot at and killed Miguel Baray.

Garcia told police he had meant to shoot over Baray’s vehicle to “prove a point.” When people are honking and harassing you at a stop sign or are tailgating you on the freeway in the hope of making you drive a little faster, you might be more willing to make an unsafe driving maneuver to avoid the anger of the motorist behind you, but it’s not worth it.

It is more unsafe to let the poor driving decisions of another motorist cause you to make a split-second decision that could hurt you. If you speed up because the person behind you is tailgating you, you could potentially cause an accident yourself.

Think of it like this: You speed up to create some distance between you and the car behind you. You are focusing so much on the car behind you that you didn’t realize the car ahead of you has begun to brake. By the time you’re looking back ahead you don’t have enough time to put on the brakes, and you rear-end them. The accident will be declared your fault, and your insurance premiums will spike. And if you moving at a high speed, you had better hope you have enough liability and collision auto insurance to cover the medical and property costs of the accident. If reading this gives you a knot in your stomach, then it’s probably best to update your policy or to look for a new one.

Miguel Baray was right in coming to complete stop at the stop sign, he was following the law. The events that unfurled at the stop sign were a tragedy, but fortunately road rage incidences like these are an uncommon occurrence.

Driving is a task that we need to take seriously every day; it’s a privilege, not a right. Our licenses can be revoked at any time, so we need to make sure there is no cause to revoke them.

5 People Who Started Small and are Now Big

dhoni

Everyone requires a little something for inspiring them- to achieve greater things in life. Not all personalities we know today have had a nice start. There are many who started from humble beginnings. These are people who’d acknowledge the fact that they had nothing to start with and this very fact inspired them to achieve greater things in life. Here is a look at five such people.

  • MS Dhoni

Mahendra Singh Dhoni is the most successful Indian cricket captain having won the World Cup in both the 20-over and the 50-over format and has also taken India to the top of the Test rankings. He is widely regarded as one of the best finishers in limited overs cricket. But many would not know that Dhoni was a Train Ticket Examiner at the Kharagpur Railway Station from 2001-2003. His talent was spotted because of the BCCI’s small town talent spotting initiative.

  • Bill Gates

Bill Gates is an American entrepreneur, investor and programmer who along with Paul Allen co-founded Microsoft which became the world’s largest PC software company. It started in 1975 in his garage where they first created the software which they sold to IBM and led them towards achieving success. Gates’ father was a prominent lawyer and his mother served on the board of directors for First Interstate BancSystem and the United Way. Gates have agreed many times that he did not have any particular study plan while he was at Harvard.

  • Steve Jobs

Steve Jobs in widely recognized as the pioneer of microcomputer revolution as he and his partner Steve Wozniak co-founded Apple Inc. in 1976. They did this in their parent’s garage with a small team of programmers. In mid 1968 when Jobs was 13, Jobs was given a summer job by Bill Hewlett after Jobs cold-called him to ask for parts for an electronics project. Bill Hewlett later recalled, “He didn’t know me at all, but he ended up giving me some parts and he got me a job that summer working at Hewlett-Packard on the line, assembling frequency counters…well, assembling may be too strong. I was putting in screws. It didn’t matter; I was in heaven.” In 1976, Wozniak invented the Apple I computer. After Wozniak showed it to Jobs, who suggested that they sell it, they along with Ronald Wayne founded Apple Computer in the garage of Jobs’ Los Altos home on Crist Drive.

  • APJ Abdul Kalam

Dr. APJ Abdul Kalam was the 11th President of India but before that he was intimately involved in India’s civilian space program and military missile development efforts. He came to be known as the ‘Missile Man of India’. However his early childhood was very tough as he had to sell newspapers to supplement the poor income of his family.

  • Thomas Edison

Thomas Edison was a man of many inventions. He holds a record 1093 US patent in his name. But before his successes, he had many failures and was even told that he was “too stupid to learn anything” by one of his teachers early on in life.

Innovation in Banks and Financial Institutions

Banks and financial institutions play a major role in the stabilization of the economy. The generic roles of banks are associated with managing growth, development, business operations, financial security and managing inflation. However, they do much more, far more than many people realize. This means that they should be at the center of rebuilding economic reforms. It has been the growth of financial institutions that has spawned the careers of many successful business analysts.

Change through communication

Banks and financial institutions were at the main stage when the fiscal crisis struck. After a lot of analysis, it was purported that banks and institutions need to improve on their communication strategies.

The idea is to give priority to channels that are derived from performance rather than cash. There’s also a need for more transparency in order to gain the trust of the people. A term being used to discuss the new models of communication is known as dynamic threat landscapes. This is pretty similar to early prediction programs where the people are made aware of the potential risk of the business. The premise here is that if the risk management system can be made better than more secure business inflows can be created.

A related improvement in communication is for the role of fiscal policies. People should be made aware of the impact of the fiscal policies beforehand. This is where banks are important, because they understand the fiscal system better than anybody. Evidence for this can be known from the fact that the banks had identified a problem with deregulation and suggested that it can lead to fiscal crisis.

Improvement is also being made on the front of metrics and analytics for better economic functioning and financial security. The objective of this improvement in communication is based upon the fact that the changes or the functioning of the banks be made clear so that people can understand the impact of what they are doing.

In the case of investment banks, new systems are ranking categories based upon risk. In this way, analysts can predict the workings of stocks, ETFs, high profit commodities. The point is to increase the public knowledge about important aspects like bonds and stocks. For instance, people should be able to differentiate between an Expert Bail Bond and a surety bond.

The newer form of communication is also focused on using the benefits of technology for driving growth and development. Through the evolution of technology, financial institutions have developed by leaps and bounds. Previously, the model of banks was based upon divergent initiatives, but in light of the recent crisis, a convergent initiative has been developed. The complexity of the banks is being catered to as a result.

With more information influx, it is possible to financial institutions to address previously unmet needs of the public. Even in a deregulated market, the banks should monitor their parameters and the impact that their activities would leave. This is being managed by cross channel communication where cause and effect analysis is being carried out.

The bottom line is that through innovation in communication, the negative aspects of the banks and financial institutions can be catered to. More intelligent the communication, the more productive the market is going to be for the public.

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Poor Background Students: Are They Benefitting From Increased UK Tuition Fees?

uk tuition feesThe majority of undergraduate students in the UK have recently been hit by massive rise in UK tuition fees, but aside from cash-strapped universities receiving more income, it seems that there are other beneficiaries from the government’s controversial move.

Poorer Pay Less in UK Tuition Fees According To Study

According to a study by the Institute for Fiscal Studies (IFS), since tuition fees were first raised back in 2006, the gap between richer and poorer students attending university has narrowed significantly. This suggests that more working-class youngsters are taking the risk of studying for a degree, but why?
Since the cap on tuition fees was raised from £1,000 to £3,000 a year, it seems that those from wealthier backgrounds were harder hit than students who came from more modest backgrounds. The reason for that is poorer students were either entitled to discounts or totally exempt from paying tuition fees. Some believe that the system introduced in time for the 2006-2007 academic year was actually fairer than what came before it.

Although participation in higher education by those from the most deprived backgrounds is still low (just 19% in 2009-10), it has gone up in recent years, while the gap between rich and poor students going to university has narrowed slightly in favour of those who’ve had more deprived childhoods. In 2004-05, the gap between rich and poor students going to university was 40%, but it has shrunk slightly to 37%, with 55% of those from wealthier backgrounds going to university compared to 18% at the opposite end of the spectrum.

While this news is encouraging for those who want to see more people who might worry about the cost of studying for a degree full-time go to university, the impact of the latest rise in UK tuition fees to around the £9,000 mark could have a significant impact on student numbers. While Claire Crawford, the author of the IFS report said “The drop in university applications may not herald a longer-term decline in university applications”, other organizations were less optimistic.

Despite that, if you’re a student who wonders how they may be able to pay for a three-year course, it’s worth looking at what financial help may or may not be available to you. If your parents earn less than the average income, it’s likely that you may not have to pay the full amount for tuition fees. Meanwhile, it’s also possible that some universities will do their utmost to attract high-achieving poorer students in the way of discounts.

Across the world we are being hit with higher tuition fees?  Do you have any particular experience where your background allowed you to receive a substantial discount on your UK tuition fees?

If you are interested in guest posting take a look at our Contact page.

About the author:
Leonard Brown is an academic who works with sites like UK-Essay on a freelance basis on issues such as student finance and wrote this great article on looking at UK tuition fees and your background.

 

Sponsored Video – Christmas Is Inching Closer: Buy Gifts For Children

As a Jeep owner I am happy to share this video. This post is sponsored by Jeep.

It has been a busy week with work as working in finance it is month end and the financial situation like so many other businesses around is not doing good.

Seeing first hand the money that the organization is bleeding does not give me that warm and fuzzy feeling, but it also makes me look inward to tidy up my own finances to make sure that I have my money in order.

So here is what my wife and I have done since mid October.  We have paid off about $2500 in credit card debt.  While it does feel good we are no where near where we need to be.  We upped our 401k Contribution percentages to 10% each.  Was this the correct financial decision?  Probably not considering we are only being matched up to 4% but we want to bulk up our 401ks and then with our tax return next year put it towards paying down more debt.  Remember back wayyy back about Dear debt I am going to defeat you.

Well that didn’t happen as planned my wife and I were burnt out and needed a vacation.  We have steadily been paying down our debt but really took it to heart this Christmas season.

In addition to being vigilant with our debt reduction practices we have adopted 3 children to purchase Christmas gifts for.  This is one of the best ways that I know to give back for being so fortunate.  The organization that we are working with is Kids Oneida.  If you would like to donate there is a link on their site, or see if you have it in yourself to do something in the community around where you live.  Until next week be safe and have a happy weekend.

 

What does the loss of a patent mean to a pharmaceutical company….

purple pill, viagra, celebrexThere was an article in the NY Times that said that Pfizer profit declined 19% after loss of patent for Lipitor.  The article points out that Pfizer is racing to reinvent itself as they are scheduled to lose 19 drug patents with a potential to lose $38.5 billion in sales.  For years big drug companies have been buying up smaller companies that showed a promise of bringing a new drug to the market.  They picked up where the little company left off and brought it out to the market place under the larger companies’ name.  What is next for the big pharmaceutical companies? 

Have you ever thought of what a patent means to a pharmaceutical company in terms of revenue? That is the companies bread and butter for the length of the patent.  Generally a patent within the United States is for 20 years but this is before clinical trials are performed.  The clinical trials can take between 8-18 years to perform, so in essence the manufacturer can have a monopoly for 8-12 years once the clinical trials are concluded. 

In a world where it can take up to $800 million dollars for a block buster new drug to be brought to the market losing a patent can be significant.  The market is soon flooded with generics and before you know it you have yourself the next Tylenol/pain reliever.   The generic drugs get to coat tail on the wings of the original patent holder too and absorb the marketing and branding efforts.  It is the norm now to go to the pharmacy and have your script filled with a generic, rarely does the physician write DAW (dispense as written). 

Are we in a world now where we may not have any new blockbuster drugs coming to the market anytime soon?  The article point out that big pharma is not investing in R & D as heavily as in the past.  Pfizer has reduced its research budget from $9.4 billion in 2010 to $6-7 billion.  What is on the horizon?

Photo by: DvortyGirl