| How to Determine Who Has Right of Way Posted: 04 Feb 2020 12:00 AM PST Respecting others' rights of way on the road is essential, but the rules can get tricky. General guidelines, such as stopping at a red light or stop sign and yielding to pedestrians, are fairly straightforward. However, you're bound to encounter unique situations at intersections and while driving on unfamiliar or hazardous roads. To prevent accidents or injuries, exercise due diligence and learn how to handle special circumstances ahead of time. [Edit]Following General Rules - Come to a complete halt at a stop sign or red light. At a stop sign, come to complete halt for about 2 seconds or until vehicles that arrived before you clear the intersection. If you're stopped at a red light, proceed when the light has turned green. If the intersection has a white stripe in your lane, stop before this line.[1]
- If you have a stop sign, but the street you're crossing does not have a stop sign, wait until all traffic has cleared before crossing the intersection.[2]
- Before you proceed, be sure all vehicles, bicycles, and pedestrians have cleared your path, even if it's your turn to go.
- Treat a blinking red light as a stop sign. A blinking yellow light means slow down and proceed with caution.
- Turn right at a red light if it's permitted and no vehicles are approaching. If you see a sign that says, "No right turn on red," then you must wait for the light to turn green again. Otherwise, you may turn right at a red light after yielding to oncoming traffic.[3]
- Double check your local traffic laws. In some locations, right turns on red are never permitted. Note that, in the UK, left hand turns at a red light (the equivalent to right turns in the US) are not permitted.[4]
- Stop for pedestrians who've begun crossing the road. Once a pedestrian has begun crossing the road, they have the right of way. You should also stop for pedestrians waiting to cross at crosswalks that aren't controlled by a traffic light.[5]
- In most areas, a pedestrian shouldn't cross an intersection controlled by a traffic light until they have a green light or a walk sign. However, you still need to stop for a crossing pedestrian if you have a green light and they're crossing illegally.[6]
- Pass through a yield sign only if there are no approaching vehicles. Slow down as you approach a yield sign (or, in the UK, a give way sign). Come to a complete stop if there are any approaching vehicles, and allow them to pass. If there are no approaching vehicles, you can proceed without stopping.[7]
- As a rule of thumb, stop at a yield sign if entering the road would cause an approaching motorist to brake.
- Yield to oncoming traffic if you're entering a main road. Wait for approaching motorists to pass before entering the road from a driveway, parking lot, or parking space along the side of the road. If you're turning onto a main road from a side road, the motorists traveling on the busier road have the right of way.[8]
- Treat bicycles as motor vehicles. Yield to bicyclists in all situations where you would yield to a car. For example, wait for an oncoming bicycle to pass before turning left.[9]
- While you should treat bicyclists as motor vehicles, use caution when driving around them. Give bicyclists as much room as possible, and slow down when you pass one.
[Edit]Yielding Right of Way at Intersections - Yield to drivers who arrive before you at an intersection. If the intersection has a stop sign, come to a complete stop and yield to any vehicles that arrived before you. If there's no stop sign, slow down and be prepared to stop for any vehicles that reach the intersection first.[10]
- Stop at an intersection if the light is inoperative. If the light is completely inoperative, treat it as a 4-way stop. If the light isn't functioning properly and you have a blinking red light, treat it as a stop sign. For a blinking yellow light, proceed slowly and with caution.[11]
- Remember to always come to a complete stop at a stop sign or blinking red light.
- Allow the vehicle on the right to pass if you arrived at the same time. When 2 vehicles arrive at a 4 way stop or intersection with no traffic signs at the same time, the driver to the right has priority. If possible, make eye contact with the other driver or flash your lights to signal that you're letting them pass.[12]
- In countries where motorists drive on the right side of the road, the driver on the right has priority at intersections.
- The driver on the right also has priority at intersections in Australia and Singapore, even though motorists drive on the left side of the road in these countries.[13]
- There is no left or right priority in the UK. Instead, yield to drivers stopped at a dotted white line if you're stopped at a solid white line.[14]
- Stop for oncoming traffic before making a left turn. Whether you're turning left to enter a street, driveway, or parking lot, always yield to oncoming vehicles. Don't cross the oncoming lane to make your turn until approaching vehicles have passed.[15]
- If you're at a traffic light and have a green turn arrow, oncoming traffic has a red light and you may turn left. Just make sure oncoming vehicles have actually stopped and check for pedestrians crossing the street.
- If motorists drive on the left side of the road in your nation, yield to oncoming traffic before turning right.[16]
- Stop at a T-intersection if you're turning onto the through road. A T-intersection is formed by a through road and a road that comes to a dead end. Drivers traveling on the through road have the right of way. If you're turning onto the through road, wait until all approaching cars have passed before proceeding.[17]
- Stop for oncoming traffic when turning onto a through road even if there is no stop sign.
- Yield before entering a roundabout. Cars that are already traveling through the roundabout have the right of way. Enter the roundabout when you can do so without causing an approaching vehicle to brake.[18]
[Edit]Determining Right of Way While Driving - Yield the right of way to oncoming traffic on highway ramps. When you enter a highway and the on-ramp merges with a travel lane, yield to any vehicles that are already on the highway.[19]
- When you merge from an on-ramp to a highway travel lane, don't come to a stop when you yield. Slow down enough so the vehicle in the travel lane can pass, then merge behind them.
- Pull over to the side of the road to allow emergency vehicles to pass. When an emergency vehicle has its sirens and lights on, slow down and move over to the right side of the road. Stop if it's safe to do so, or reduce your speed if you're on a freeway. If you're on a 4-lane highway, try to leave at least 1 open lane between your vehicle and an emergency vehicle.[20]
- If an emergency vehicle is stopped on a 4-lane highway, move over at least 1 lane (to the left or right, depending on which side of the road they're located) before you pass by them.
- Pull over to the left side of the road if motorists drive on the left in your country.[21]
- Yield to a motorist driving uphill on a narrow mountain road. If you're driving downhill, pull over to the side of the road and let a vehicle traveling uphill pass. If there's not enough room, back up until there's space on the side of the road to pull over.[22]
- If you're traveling on a narrow bridge or a narrow road on level ground, look for signs that indicate which direction has the right of way.[23]
[Edit]Stopping for Pedestrians - Give pedestrians the right of way at crosswalks. For crosswalks that aren't located at intersections controlled by a traffic light or sign, stop for pedestrians that are crossing or about to cross the road.[24]
- In many locations, a crosswalk is considered a natural continuation of a sidewalk. If you can draw an imaginary line across an intersection to connect 2 sidewalks, treat that line as a crosswalk, even if the road isn't marked.
- Stop for crossing pedestrians even if you have the legal right of way. Even if a pedestrian begins crossing the road and you have a green light, let them pass. You might not technically violate a traffic law if you hit them, but you could still be held liable in a civil suit.[25]
- Do not pass a car that has stopped at a crosswalk. If a car stops ahead of you to let pedestrians cross, you must also come to a complete stop. Don't try to pass the car and drive through the crosswalk.[26]
- Proceed with caution instead of automatically taking your legal right of way. Never assume that another motorist will yield to you when you have the legal right of way.[27]
[Edit]References [Edit]Quick Summary |
| How to Invest Ahead of a Recession Posted: 03 Feb 2020 04:00 PM PST Market predictions often aren't accurate, and it's seldom wise to attempt to time your investments to match the whims of market movement. However, if all signs point to a recession on the horizon, there are things you should do to strengthen your portfolio and your own financial standing so you'll minimize your losses during the downturn. With careful planning, you might even manage to make some money. Work with your broker to balance your portfolio and make investments that go beyond your country's borders.[1] [Edit]Rebalancing Your Portfolio - Sell weaker stocks when prices are high. If you have underperforming stocks in your portfolio, look at their past value and go ahead and trade them when the price is relatively high compared to what you bought them for or what they've traded for in the past. You may not make much of a profit, but if there's a recession looming, you don't want underperforming stocks in your portfolio. If those companies weren't doing well before the recession, they'll likely do even worse during the recession.[2]
- Check with your broker before selling off too many stocks. Some firms charge additional fees to investors who hold high cash balances.[3]
- Move some of your investments into bond funds. Because government bonds carry little to no risk, they're strong investments to hold during a recession. While you likely won't make a significant profit, you don't have to worry about losing your money, which is a risk with any stock during a market downturn.[4]
- Bond funds invest in many different types of bonds, so they're automatically diversified. You might also consider municipal bond funds, which are issued by local governments.
- Corporate bond funds generally have potentially greater returns, but they also entail greater risk. However, corporate bond funds are still less risky than investing in most stocks during a recession.
- Invest in food, raw materials, and energy sources. Because these commodities are traded globally, a recession in one country won't necessarily impact the demand for them. This keeps the value relatively steady. Some commodities, particularly basic raw materials and food, may even increase in value during a recession.[5]
- A recession in one country may not even affect the demand for some materials on a global scale. Good commodities to invest in ahead of a recession are raw materials such as gas or wood, which developing countries, in particular, consume a lot of.
- Grains, such as rice and wheat, are also good staples to invest in if a recession seems imminent.
- Place a trailing stop-loss order to minimize your risk. With this kind of order, you choose a price that you're comfortable with and your broker will automatically sell the stocks you specify if their price drops below that level. This can help you minimize your losses during a recession, especially if you've decided to hold on to riskier stocks.[6]
- Research the performance of the stocks you're still holding so you know where to set the price for your stop-loss order.
- You might also look at what you initially had invested. For example, suppose you bought 100 shares of a company when the stock was priced at $10 a share. Today, the shares are trading at $50. In that situation, you might want to set your stop-loss order at $15. If the shares dip that low, you won't have to worry about continuing to lose any money, but you'll still earn a little off of your investment (and a little is better than nothing).
- Plan on buying index funds when markets are low. Use some of the cash you generated when you sold off underperforming and high-risk investments to take advantage of low prices when the recession hits. Index funds, which track a market index such as the S&P 500, are relatively low risk, so you'll profit off of them when the market starts to pick back up as the recession ends.[7]
- If you have a full-service broker, talk to them about your plans. They'll help you identify undervalued funds that you could potentially make a profit on when the market rebounds.
[Edit]Buying Recession-Resistant Stocks - Look for companies with little debt and strong cash flows. In a recession, a company with a strong balance sheet will perform better than one that has taken on a lot of debt. A highly leveraged company was losing money before the recession hit and that trend will likely get worse.[8]
- Look closely at the amount of debt a company is carrying. If the company becomes unable to make its debt payments and is unable to handle the costs of continuing operations, it may fail.
- Some stocks from established companies with strong balance sheets also pay profits to shareholders in the form of dividends. These stocks can generate a little passive income, even during a recession.[9]
- Avoid brands that decrease their marketing ahead of a recession. When a recession is looming, some companies cut costs by lowering their advertising budgets. However, if companies don't advertise during a recession, demand for their products tends to decrease. These companies may fail to bounce back even after the recession is over.[10]
- Research the ad spending of companies you're interested in on the internet. If you notice a significant decrease, that may be a sign that the company is looking inward over the course of the recession rather than trying to expand and attract new customers.
- If you watch TV, pay attention to the products and brands that are advertised and how frequently those ads run. A company with heavy prime-time advertising may be worth looking into, especially if they sell a more basic, commonly used product.
- Invest in consumer staples that people will always buy. Regardless of the economy, there are some things that families will always need to purchase. Foods, household goods, and feminine hygiene products can be strong holdings during a recession.[11]
- Keep in mind that when family budgets get tight, consumers may steer away from name-brand products in favor of cheaper generic versions of the same thing. Investing in household basics is no guarantee that you won't lose money when the recession hits.
- Diversify across multiple sectors. While it's smart to keep to core sector stocks, you still want to ensure that your portfolio remains balanced during the recession. In addition to staples and basic household goods, include stocks in healthcare and utilities. Like household goods, regardless of the market, people will still get sick and people will still turn the lights on — so these sectors will remain in steady demand.[12]
- For example, if 20% of your portfolio is made up of stock holdings, you might invest a third of that in utility stocks, a third in healthcare, and a third in consumer staples.
- Invest in real estate when prices drop if you have experience. Many investors are afraid of real estate when a recession hits. However, if you're an experienced real estate investor, buying real estate when prices are relatively low can expand your portfolio by giving you the opportunity for passive rental income during the recession and increased equity when the market recovers.[13]
- Make sure the property is ready to rent out and won't require additional investment on your part, because you have no way of knowing what the property will be worth when the recession ends.
- If you already own a second property, such as a vacation house, you might also consider renting it out to earn income from it.
- Hiring a property management company to deal with the day-to-day aspects of renting can make being a landlord less of a hassle. However, you might want to stay away from real estate investments entirely if you have little to no experience managing real property.
[Edit]Improving Your Financial Health - Pay down your consumer debt. If you're carrying a lot of debt on credit cards, try to eliminate as much of it as you can before the recession hits. That debt will end up costing you more money when the market's slow and money is tight.[14]
- If you've made money selling underperforming and high-risk stocks, you might use some of that to pay down or even pay off your credit cards.
- Don't close credit card accounts if you've paid them off. Doing so will lower the amount of credit you have available, which could, in turn, lower your credit score.
- After you pay off cards, keep them active by using them for small purchases and paying the balance in full each month. For example, you might use a credit card to automatically pay your mobile phone bill, then pay the credit card balance when it comes due each month.
- Check your credit report for errors. Get copies of your credit report from each of the reporting bureaus and analyze the entries. If something looks unfamiliar or doesn't match your records, it might be an error. Disputing errors on your credit report may increase your credit score.[15]
- While there are companies that will complete the error dispute process for you for a fee, you can do it yourself for free. Most credit bureaus allow you to start a dispute online, or you can call their toll-free customer support number.
- You might also bring the issue to the attention of the creditor that posted the entry. They may be able to fix it more quickly than the credit bureau can.
- Renegotiate or restructure high-interest loans. If you have a good credit score, you may be able to get a better deal on some of your more high-interest loans. Restructuring or refinancing makes sense when a recession is looming because it means you'll be paying less in interest when your budget gets tight.[16]
- If the recession hits you particularly hard and you find that you need to refinance a loan, you'll likely find that it's much harder for you to do so. If you can't pay off those loans, talk to the lender about lowering the interest rates before the market enters a recession.
- Cut unnecessary expenses from your budget. Take a look at your monthly expenses and see what you can eliminate before the recession hits. If you already have a lean budget, you won't have to worry as much about making ends meet if the recession impacts your own finances.[17]
- For example, if you have subscriptions to 3 different streaming services, you might consider cutting down to 1 that you watch the most.
- Unnecessary expenses may also include insurance policies that aren't legally required and don't actually protect you from anything major, such as collision insurance (if your car is paid off) or accidental death insurance. You can eliminate many of these policies.[18]
- Build up your emergency fund. Make sure you have at least 6 months of living expenses set aside in a savings account before a recession. You never know what might happen during a recession or how bad it will get before the markets rebound.[19]
- For example, if the recession puts a squeeze on your employer, they may have to restructure or downsize their workforce. If you end up unemployed during a recession, you want to make sure you can still make ends meet — especially since it might take you longer to find a job during dismal market conditions.
- Look at your budget and calculate how much your living expenses would be for 6 months. If you don't have that much money in savings, temporarily adjust your budget so that you're putting more money into savings until you have at least that much available.
[Edit]References |
| How to Style Chelsea Boots (for Women) Posted: 03 Feb 2020 08:00 AM PST Chelsea boots are known for their versatility and can easily complement dressy and casual looks. Pair your boots with skinny jeans, a graphic T-shirt, and a leather jacket for an edgy, street-ready look. For a boho-inspired outfit, wear your Chelsea boots with a knee-length vintage dress. If you want to wear your boots to work, go with loose-fit, cropped dress trousers and a long-sleeved blouse. Top off this office-ready ensemble with a matching slim-cut blazer or chunky knit scarf! [Edit]Building Casual Outfits - Pair skinny jeans with Chelsea boots for a cool, street-wear style. Slim-fit and skinny jeans look great with Chelsea boots, especially if you cuff them once or twice to really show off the shoe. This look is incredibly versatile, so your options are almost limitless when it comes to color combinations and tops![1]
- For an edgy vibe, wear black leather Chelsea boots with distressed black skinny jeans and a graphic T-shirt. If the weather is chilly, throw on a matching long-sleeved flannel and leave the shirt fully unbuttoned.
- Take the edgy vibe up a notch by pairing black leather Chelseas with slim-fit pin-striped trousers and a black leather jacket.
- You can also wear light wash skinny jeans to create a more laidback vibe.
- Wear Chelsea boots with a vintage dress for a boho-inspired look. Go with a floral or paisley patterned dress in a vintage cut. Choose something that falls to about knee-length to really show off your shoes. If weather permits, you can wear ankle socks and keep your legs bare. If it's chilly, slip on a matching pair of tights with your dress![2]
- If you prefer skirts to dresses, try a flowing midi skirt and loose boho top with your Chelseas.
- Avoid wearing Chelsea boots with long dresses that cover up the shoes.
- Go with black jeans and a neutral-colored sweater for an everyday vibe. Black Chelsea boots pair well with simple, solid earth tones like cream, burgundy, charcoal, and tan. These colors are also easy to mix-and-match! Grab your favorite solid-colored sweater and comfy black jeans for a look you can rock pretty much anywhere.[3]
- Be sure to cuff the jeans or go with a pair that's slightly cropped so that your boots are fully visible.
- For example, wear black jeans with a dark gray sweater and black Chelsea boots. You could also try statement Chelseas, like leopard print, to jazz up your look a bit.[4]
- Throw on a knee-length tan coat or a black beanie to add another dimension to your look.[5]
- Create a fun, offbeat look by pairing denim overalls with your boots. For a cute, simple look, wear a plain white T-shirt under the denim overalls. Be sure to get denim overalls with a tapered leg and cuff them 2-3 times so that your calves show. Then, put on long, stripey socks so they'll be visible between the top of your boots and the cuffed legs to complete this quirky look.[6]
- Medium wash denim works well for this, but you can definitely experiment with other washes.
- Wash refers to the color of the denim. Medium wash denim is a medium blue color that typically isn't faded at all. Light washes often look faded and range from light blue to almost white. Dark wash denim looks navy or almost black.[7]
[Edit]Creating Dressier Looks - Pair black leather boots with a black turtleneck and dress pants. An all-black outfit instantly creates a more refined silhouette, so go with black dress pants and a black turtleneck to create a sleek look. Choose a slim-cut turtleneck sweater that falls just below the waistline.[8]
- If you want to add some color, top off your outfit with a preppy plaid blazer or tweed coat.[9]
- Don't forget accessories, like black leather gloves, to complete this elegant look.
- If all-black isn't your style, try tan dress pants with brown suede Chelsea boots and a light-colored sweater. Top it off with a matching blazer.
- Wear statement Chelseas with high-waisted leather shorts for a night out. This is a great look for a party or a night on the town! Pair the high-waisted leather shorts with a matching camisole and loose, flowing kimono. Keep your legs bare and wear Chelsea boots in an eye-catching print, like snakeskin, or a bold color, like burgundy.[10]
- For example, go for an all-black ensemble and wear a pair of red patent leather Chelseas for a cute pop of color.[11]
- Go with a pencil skirt and a long trench coat for timeless elegance. A trench coat in a neutral color, like tan, navy, or black, is easy to style with almost any outfit! If you're headed to the office or an event, try a pencil skirt in a neutral color, like navy or black, with black Chelseas. Add a slim-fit, long-sleeved top and finish the look with the trench coat and a matching silk scarf.[12]
- For a pop of color that still feels sophisticated, try wine-colored leather Chelsea boots with a tan trench coat and black pencil skirt.
- Try cropped, wide-legged trousers with Chelseas for a work-ready outfit. This look is easy to throw together in the morning before heading to the office. Put on a cropped pair of dress trousers that have wide legs. Add a long-sleeved blouse in a complementary color. Add a matching pair of Chelsea boots to complete the look.[13]
- Elevate the outfit by adding a slim-cut blazer and chunky knit scarf.
- Keep things simple by wearing solid, neutral colors.
- Try cuffing slim-fit trousers and jeans with Chelsea boots. This looks modern and cool with almost any look and also shows off your awesome Chelseas.[14]
- Wear Chelsea boots with fall and winter clothing.
[Edit]References |
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