Preparing Your Motorcycle For the Winter

So here we are in October, and the overnight and morning hours are a little chilly here in the Northeast of the US. What does this mean? Winter is coming of course, and seems to be coming fast. Most days are now starting out in the low 40's, getting up to maybe the high 50's / low 60's, and then dropping down again into the low 40's overnight.

So, what are you to do if you're not planning on riding through the cold, winter months? You need to prepare your motorcycle and winterize it. There are a few steps you should definitely do to keep your motorcycle safe and warm through those frigid months.

  1. Get the gasoline out of your engine – How do you do that? Start up your motorcycle with the petcock to 'on' and let your bike run for a few minutes. After your motorcycle is idling just fine, flip the petcock to off and let the engine do it's thing by cycling through any fuel that is left in the lines. You'll know as soon as the fuel is out of the engine, as the motorcycle will just stop running (like it stalled). It's OK if you leave some fuel in the tank as it should not cause any damage. But leaving it in your engine could cause serious damage to your motorcycle.
  2. Get a battery tender - A battery tender will keep your motorcycle battery charged throughout the winter so that when you're ready to fire her up, you will not be left with a dead battery. Battery tenders are fairly inexpensive and can be picked up at your local motorcycle shop or order one online.
  3. Clean your motorcycle – you do not want to store your motorcycle for long periods of time with dirt, grime, tar, grease, bugs, etc. all over your bike. Not only is this bad for the paint and chrome, but it's just not right to treat your baby so badly. Clean her up before she takes that long winter's nap. My motorcycle is actually cleaned after every ride. It's only right that my girl be taken care of and treated well through the year.
  4. Find a good spot – Your motorcycle is going to be resting for the next few months, so make sure you find a good location for the winter. The best location would be an attached garage, the next would be an outdoor storage building, and the least favorite would be outside in the elements. The winter elements can do some serious damage if not carefully watched, so I'd recommend making sure your motorcycle is stored in an area that is enclosed. My motorcycle is always stored in my attached garage, and kept in a prime location so as not to get bumped or something dropped on her.
  5. Get a motorcycle cover – just because your motorcycle may be stored in an enclosed area, does not mean you should not further protect her. You can get a cover for as little as $ 20 or as much as $ 100. A motorcycle cover will make sure no additional dirt or dust gets on your bike, and will also help protect any unfortunate bumps or dings. I can not speak for bugs, as they'll find their way into any warm place during the colder months.
  6. Start her up when you can – If there's a decent winter day, sun shinning, and not terribly cold, go ahead and fire up your motorcycle. Let her run for a while, she'll thank you in the spring. Just remember to follow all the steps above to ensure you put your motocycle back to rest properly.

Fast Food, Slow Death?

The all too familiar story: no time to cook, kids are late for soccer practice and McDonald's is on the way. Since it will not take more than a few minutes to shoot through the drive through we'll do the fast food stop. Or all too familiar story number 2: lunch hour at work and I need to pick up my dry cleaning, fill a prescription, and take the car to get gas and find time to eat. Sure enough Taco Bell is on the way and they have a drive through as well. These real life situations play out for all of us, millions of us, everyday. Since time has become one of our most precious commodities the sacrifice we make is often in our diet.

And yet it does not need to be this way. By following a few healthy practices you can still go to your favorite fast food chain and, 30 years from now, live to tell about it. The key is knowing what to select from the menu and balancing that meal with the rest of the day's food intake.

Choose Your Menu Items With Care

Choose a main dish item that is low in fat. As an example, when faced with the choice of a bacon cheeseburger or a regular hamburger, the regular hamburger wins every time. In the battle of the regular hamburger or the grilled chicken breast sandwich the chicken wins hands down. Why? Here's an example:

Wendy's Ultimate Chicken Grill Sandwich has 360 calories, 7 grams of fat, and 0 trans fat. Compare that to the Wendy's Big Bacon Classic which has 580 calories, 29 grams of fat and 1.5 grams of trans fat. Put either choice with a medium fry and you have added another 440 calories and another 21 grams of fat. Choose, instead, the Baked Potato with Sour Cream and Chive and you add 320 calories and 4 grams of fat – a better choice indeed.

Choose side salads and salad bar vegetables as these provide extra vitamins and add dietary fiber. In addition they fill you up without adding lots of extra calories. Be sure to use low fat or non-fat dressing or better yet, a simple vinaigrette dressing. More dietary fiber can be found in the choice of whole wheat or whole grain buns and rolls.

If your sweet tooth kicks in have fresh fruit or frozen yogurt. Or go for the reduced fat ice cream versus the shake. Again an example, this time from McDonald's: 16 oz. Triple Thick Vanilla Shake has 550 calories and 13 grams of fat. The Vanilla Reduced Fat Ice Cream Cone has 150 calories and only 3.5 grams of fat. Granted the lower calories alternative is not as decadent but it also will not clog your arteries by increasing your cholesterol intake and it will satisfy the sugar craving.

Watch Your Portion Size

Portion control is also a key element to successful fast food dining. Although many restaurants have discontinued the super size trend, most portions are simply more than we need to consume. These large portions look like real value when viewed in the monetary sense but when measured by way of their contribution to weight gain and its complications they are simply not worth it.

Choose the smallest size possible especially if you are having hamburgers or fried foods.

Share large or high items with someone else.

Eat half your order and take the rest home. Yes, I know we are provided to clean our plates because there are children starving in China. At least that's what many mothers over the years have been heard to say. The fact is being a member of the Clean Plate Club will also get you entry into the Fat Club, the High Cholesterol Club, and if your really fortify the Heart Disease Club.

Remember These 3 Key Points

1. Reduce total fat, saturated fat, trans fat, cholesterol, and sodium.
2. Increase intake of whole grains
3. Eat more fruits and vegetables

Fast food is one of the great innovations of the 20th century. Here in the 21st century we need to manage how we take advantage of its limitless access. To do so will maintain a balance between food as satisfying fuel that keeps our human engine running and toxic waste that will eventually lead to shorten life spans.

Life Insurance 101, An Explanation of Various Types of Life Insurance

TERM LIFE INSURANCE – Life insurance for a set number or years. You can choose from 5 to 30 year terms. No cash value, if you die during the term you collect the death benefit. The policy dies after the selected term has ended and you receive nothing unless you have a, return of premium rider or you convert the policy to some form of permanent insurance.

RETURN OF PREMIUM TERM INSURANCE (ROP) – A term insurance policy that returns all or a portion of premiums paid at the end of the term if the death benefit has not been paid.

SIMPLIFIED TERM INSURANCE – Term insurance which uses a simple application. Underwriting is done electronically. No underwriting requirements by the applicant unless red flags arise out of the electronic underwriting process. Policy is usually issued much quicker than regular term. There is a limit of death benefit for this type of policy ($350,000 or less) depending on the insurance carrier. This type of policy is generally more expensive because of additional risk by the insurance carrier. Less underwriting =more risk.

CRITICAL ILLNESS INSURANCE – Applied for as a stand-alone policy or as a rider to another life insurance policy. Pay immediate benefit for a covered illness even if death does not occur.

ACCIDENTAL DEATH INSURANCE – Pays benefit in event of a covered sudden accidental death. Applied for as a stand-alone policy or as a rider to another form of life insurance.

MORTGAGE PROTECTION INSURANCE OR DECREASING TERM INSURANCE – Term insurance that pays the balance of your mortgage should death occur. The amount of death benefit decreases to match the amount owed on mortgage. The insurance is set up to end at the same time your mortgage is set to end.

UNIVERSAL LIFE INSURANCE (non variable) – Flexible premiums. Can be a permanent insurance as long as premiums are paid and policy is funded properly. Investment policy in which risk lies with insurance company.

Has a minimum guaranteed interest rate which differs by company. This policy has the ability to gain contract value. The death benefit can be set to level (death benefit stays the same throughout) or increasing (death benefit increases as contract value rises). You may obtain loans or make withdraws but you must be careful, if the policy is not funded, it will collapse.

VARIABLE UNIVERSAL LIFE INSURANCE – Agent must have securities license to sell. Very similar to non-variable universal life. The difference is that the policy owner assumes investment risk. There is no guaranteed interest rate. Policy can collapse if investment does not do well and policy is not funded properly.

WHOLE LIFE INSURANCE – Simply put, you pay the premium and the policy will last your whole life. You usually have an option to borrow against the policy, amount depends on the value of the policy. This type of policy is usually much more expensive than the universal life policy.

GRADED BENEFITS WHOLE LIFE – Partial or no benefits paid until a named or tiered waiting period has passed. If you die before the waiting period has passed, you usually will receive the return of your premium payments with some sort of interest.

FINAL EXPENSE WHOLE LIFE INSURANCE – This type of whole life insurance is aimed at burial and funeral expenses and other final expenses. Usually, no medical exam required and death benefit is limited to $50,000 or less.

SINGLE PREMIUM WHOLE LIFE – This whole life policy is paid for by a single lump sum payment. In return the beneficiary receives a larger death benefit than the payment.

THINGS TO CONSIDER: You may be interested in mixing and matching different types of policies. For example; There is a need for 500k immediately. As time goes on, the kids have graduated college and are out of the house, the house is almost or totally paid off. Now the need is less. In this example you may want to purchase a 330k universal life and a 20 year 200k term. This plan will save you money and still protect your family for life.

Or, you may want to mix term, critical illness, accident, universal life, or whole life in various ways depending on your needs.

RIDERS:

Waiver of Premium Rider – pays life insurance premium if you become disabled and can’t work. There is usually a waiting period and rider usually expires at age 60 or 65.

Critical Illness Rider – Rider is explained above.

Return of Premium Rider – Rider is explained above.

Guaranteed Insurability Rider – this rider allows you to purchase an additional amount of life insurance at a later date without having to prove insurability again or take another medical exam.

Term Conversion Rider – allows you to convert a term insurance policy into a permanent policy without proving insurability again.

Accelerated Benefit Rider – this rider is only for permanent life insurance policies. This rider is usually included automatically for free. It allows you to collect a portion of your policy’s death benefit if you become terminally ill with a short life expectancy, usually one year. The portion paid out is subtracted from you policy’s death benefit.

Accidental Death Benefit Rider – This rider pays in addition to the death benefit if you die from an accident.

Child protection Rider – Usually used to pay final expenses if the unthinkable happens. Often, at a nominal cost and purchased in units of $1,000.

UNDERWRITING: requirements depend on insurance carrier, type of policy, amount of death benefit, age, build chart, gender, medical history, medications, family history, motor vehicle report, and other factors.

An application is always required, although, non-medical policies usually have a simple application.

Requirements could be: Paramed (certified medical processor or nurse comes to your place of choosing, takes you through a medical questionnaire, measures your height and weight, takes blood and urine sample, possibly EKG either resting or non-resting), Medical information from your physician or hospital, Medical exam, etc.

HEALTH CLASSES – Typical health classes would be, Preferred Best, Preferred, Select Standard, Standard, and then different nicotine classes such as, preferred nicotine, select nicotine, and standard nicotine.

It is possible to be rated less than standard depending on health and underwriting factors.

You must qualify for a health class. This is chosen by the underwriter after the underwriting process is complete. The agent can only quote you the different health classes but this can change with the underwriting process.

Getting Low Auto Insurance Rates – Cheap Car Insurance Policies

First of all, avoid being in an accident. Having a clean accident-free driving record is a big plus for negotiating lower rates from your auto insurance provider. That you are a good driver makes the risk level for the insurance agency to be relatively low thereby giving you more power to make certain demands especially on lower rate considerations.

Also having a clean driving record will make you top choice and a better client to the insurance companies around.

You should endeavor to understand some of the value added services that auto insurance companies provide. Most times, these services help you save both time and money. A good insurance company will certainly love to have smiling customers and one of the greatest means for achieving this is to increase service value while maintaining price points or even lowering the overall price.

You can save more if you have multiple policies running on the same account. For example you can have a life insurance policy, home renters insurance and your auto insurance policy all being active in the same account. This will typically prompt for a lower rate negotiation.

Insurance companies will cross check on some of your personal behaviors and habits. If you have a record of getting drunk on alcohol or excessive speeding with friends and over loading vehicles, then your record is that of a high risk for the insurance companies. Having a non-destructive record will certainly give you more points for lower rates. The first step for you to get your lower rates is to get free auto insurance quotes from trusted agents online.

Where To Start?