FAQs About Motorcycle Insurance

Motorcycle insurance is one of the biggest costs involved in riding your motorcycle. Whether your ride is a scooter or a sports bike it’s best to get the best value insurance policy that covers everything you need.

What determines the cost of motorcycle insurance

Your personal details

In the insurance business, age is a common determinant for risk. Male riders under 25 are considered the most likely to file claim, whereas female and older riders are more likely to receive lower premiums. Occupation may also come into play in factoring premiums, depending on whether the coverage compensates you for time missed at work.

Where you live

A big influence on the cost of your car insurance is where you live. The chance of your car being broken into or stolen is a key concern for the insurer. More urban areas traditionally facing greater risk of theft and therefore tend to be more expensive than countryside locations.

The type of bike you own

The type of bike you own can greatly affect your insurance premium. Naturally, a more expensive bike will cost an insurer more to fix or replace. Motorbikes with better engines and faster speeds will represent a greater risk for collision as well as damage caused by an accident.

Older model bikes may require more maintenance and difficulty securing repair parts. For motorbikes older than 20 years, it would be wise to seek an insurer that specialises in classic bikes and cars.

Who else will be riding the bike

Adding another rider to the policy will affect the overall cost. Adding an experienced motorist will generally lower your premium. Conversely, adding a younger individual may escalate costs.

As each insurance company weighs these factors differently, you will find fluctuations in the prices you are quoted. Cheaper rates most likely find your situation more amenable to their particular risk formula.

Usage of the bike

The more often you ride your bike, the more likely you will be involved in an accident. Moreover, bikes that are used for commuting represent a greater risk than those ridden for pleasure, due to the difference in traffic. Residents living in high traffic postcodes may also experience higher insurance costs.

Storage and security measures

Theft represents another concern for insurance companies when calculating premiums. Alarms or anti-theft devices such as an immobiliser, bike lock, or ground anchor can mitigate this risk. In some cases, an insurer might recommend a specific brand or anti-theft device to their consumers.

Parking your bike in a garage can further alleviate theft concerns. Insurance companies will also factor in the crime rate in your postcode before settling on a quote.

Previous claims or convictions

Riders who have made previous claims or suffered motoring convictions present a greater risk to insurers. If you fall into one of these categories, it may be best to seek a company that specialises in insuring convicted riders

Your excess

The excess is the amount of any claim that your insurer will expect you to cover. For example, your riding your bike and you have an accident your bike now needs repairs worth £1000 and your excess is £100, you’ll have to pay £100 and your insurer will pay the remainder.

The more cost you are willing to absorb, the lower your premium. Having a high excess is ideal for riders who travel infrequently or on less busy roads. Those who commute daily may want a lower excess in order to file a claim for minor accidents. This, in turn, will elevate the cost of insurance.

No Claims Discount

Save up your no claims discount by avoiding making small claims upon your policy. After a set number of years, 4 or 5 typically, you’ll often be offered the option to pay an additional small premium to protect your no claims bonus. This can prove very helpful if you subsequently end up having an accident.

Advanced driving skills

By taking an advanced driving course you may also be able to reduce your premiums. The Institute for Advanced Motorists and the Royal Society for Prevention of Accidents each offer membership which provides you with discounts for both the cost of driving courses and your car insurance premiums. Two key variables NOT within the policyholder’s control

Consolidating policies

By insuring a number of vehicles with the same insurer, or by trying to take out home and life insurance through your car insurer, you may be able to secure a ‘bulk buy’ discount.

One final piece of advice

A large percentage of insurance is now sold on the Internet. That’s because it’s convenient and cheap. Many insurers now give a further 10%-15% discount if you buy online.

Level of cover

Third party

This covers the policy holder against damage to a third party’s property or to the third party themselves. Third party only bike insurance cover is usually a cheap motorcycle insurance policy compared to Third Party Fire and Theft or Comprehensive motorcycle insurance.

For example, if you have an accident with another vehicle and it is your fault then the Third Party Only policy will pay for the repair to that other vehicle, and will pay for any medical claims or injuries suffered by the occupant(s) of the other vehicle and your pillion rider. A Third Party Only bike insurance policy will not pay for the costs of repairing your own vehicle nor will it pay anything toward your medical expenses if you are injured. In addition, if your vehicle is stolen or is set on fire, a Third Party Only policy will not make any payment toward the theft or repair of the vehicle.

Third Party Fire & Theft

This is exactly the same as the Third Party Only motorcycle insurance policy, set out above, however a Third Party Fire and Theft UK motorcycle policy will pay out in the event that your vehicle is stolen or is set on fire.

Fully Comprehensive

A Fully comprehensive UK motorcycle insurance policy will pay-out for third party damages and injuries, will pay-out in the event of your vehicle being stolen or set on fire, and will also pay for any damage to your own motorcycle regardless of whose fault the accident was.

Jewelry Making Or Perfume Making – What’s the Difference?

Very recently I've stumbled upon what proves to be another new hobby of mine, making perfumes using natural, essential oils. I've purchased several oils from the UK so far, and started combining them to make perfumes. Which does not seem to be so easy as I first thought. Most of the concoctions smell horrible, at best as a bad medicine.

I've searched a lot the internet for recipes on the subject, but it's hard anything out there. There are a couple of real life workshops that one should attend, at over $ 1000 a piece, and very few books on the subject, mostly touching the history of perfumery and the ingredients, but less the actual blends, mixes. So I broke down and purchased from Mandy Aftel the Level 1 Workbook, at a price of $ 375 (yep, you've read it right!) And shipping to Europe $ 80 (right again!), As this looks pretty much the only feasible avenue for somebody to really learn perfumery without spending a large amount of essential oils on trial and error, by not knowing what is one really doing in the process.

So now I'm waiting for it to arrive …

And in the meanime I'm musing …

Most probably since the time I started with wire wrapping, I did spend about this amount or even more on books and tutorials, however the difference between this workbook and the tutorials for wire wrapping, is that I've bought MANY tutorials, on all aspects of wire wrapping and jewelry making. I've learned a lot of skills in the process. I have now a new level of appreciation for all the wire wrappers who so freely share their knowledge in allowing the rest of us to learn their secrets, and to make their jewelry pieces. Without all these tutorials, and book out there, it would have been much more challenging to learn wire wrapping, even to the level I am right now (which is not that far). It is a completely different world between the two.

Perfumers guard their secrets as if with their lives, they will not share but the very basic of blends, which does not bring one very far, and wire wrappers, or jewelers in general are very generous, and share. Yes, for a price, but the prices are very reasonable, anything between $ 5 and $ 15 for learning how to make one pendant, a pair of earrings, a ring, any items from start up to completion. Plus there are also many free tutorials out there, which allow you to build on your existing knowledge and widen it too. Best example out there is Eni Oken, who has many tutorials for a veeeery reasonable price, but also many freebies to get you started.

Real Estate Property Values – Ranked High

Rob Norquist, a real estate agent admits that Newport Beach is as active as it used to be, with some good record sales. He also agrees with the fact that a property, should never be considered deprecated, and as a seller, you should never give up and use the low end price. It is true that, during a certain period of time, depending on the real estate market, client’s desire, real estate auctions, there may be moments when a property’s price drops, but not forever.

Other cities such as, Huntington Beach, Costa Mesa, Irvine or Mission Viejo – are considered among other 25 cities as being the ones with the best real estate property values, with average values of $680,000 and more. The national average value in 2007 was $194,300.

However, some property values are based on subjective answers from residents living in a certain home, so the given numbers , and real estate evaluation may be hanging on a wishful thinking instead of a real appreciation . This is where real estate auctions come in picture, to inform potential clients about the property, and the investment possibilities, giving them a clear image of the real estate’s worth.

Even though some buildings such as Orange County properties , dropped their values in 2007, but they recovered extremely well after. So this is another reason why as a seller, you should never fear if you observe a temporally value drop, because it is normal from time to time.

For instance, about 81% owners, sellers, agents, trusted in 2007 that their estate property values were over $1 million, against 75% in 2006. So things are for the best and it would appear that most of estate agents have finally understood what this business is really about. It takes a lot of patience and ability to maintain your property’s value among top ones on real estate market.

But Norquist, trusts that many Newport Beach arguments are near the mark, sustaining that this city has survived the “housing slump” better than other locations. However, the unexpected surprise attacked more on sales, which he admits that they are on a falling edge right now, but there is still hope for better times.

Newport Beach is very well known for its highest-valued real estate properties in the U.S., being a perfect place for real estate business . It’s location and proximity to the water, and the beach front view increase it’s real estate value considerably. Auctions in this area are very interesting and those who are interested in real estate business domain should never miss them. You can learn a lot on such events.

Experienced real estate agents or even friends will surely advise you that as a buyer you are very likely to come across many real estate properties in foreclosure having perhaps no equity,being over priced . In such moments, lenders sometimes choose to accept a smaller amount than the initial.So you get in the negotiations process. As a hint, when you realize the over pricing phenomenon, you have to understand that this happens when the real estate agent , or seller is aware of the real estate property’s value, and he tries his luck in a raising price. So watch out! The negotiation can become a difficult process especially when reasonable terms are not agreed by both sides: owner and buyer. Negotiations can occur privately or in public, where real estate auctions come in the picture. Of course, a real estate auction is safer and more trustful than a private one. Private negotiations occur especially when the agent is a close friend or relative to buyer’s, and because of the friendly environment some details regarding even the real estate transaction may be skipped. So in situations like this be careful.

Even as a friend, for a real estate agent , money comes first, and friendship after. Of course, during such a negotiation, there can be all sort of problems, such as mortgage value, real estate market, all sort of official formalities, conflict of interests in a particular area etc. Moreover, time a very important issue when real estate auctions are involved. As a general rule, and as an advise for a potential buyer, negotiation process should not be extended on a long period of time, because, as I said before, in time, real estate properties drop their values, and the client’s interest together with it. In this case, not only does the buyer loose, but the real estate agency as well. Why?Because if a property’s value drops, the price must drop as well, if you ever want to sell it again. In this case the under priced phenomenon appears. This is why short sales are preferred. Many Realtors, and clients started using this strategy, because they faced the problem regarding their property’s value.So they decided the selling process should not take too long.

Another important issue refers to the well known “acceleration clause” , which is an official word met in any mortgage document, meaning that the lender, after the real estate property is sold, can demand the payment of the remaining balance for the loan. Realtors can provide more information about this contractual right. If this clause is good or bad for a real estate transaction, it is hard to say, because it has its advantages and disadvantages. Buying a real estate property which has already a mortgage loan represents a pretty raised risk. Why? Because first of all, if the mortgage loan was contracted for many years, depending on the interest’s rate, and marketplace evolution, you may come to pay the house’s price 3 times more. However, if you have experience in monitoring the market place, and find a right moment when every interest’s value drops, you could go for it. It’s kind of a gambling in this business, and Realtors, or individual real estate agents know it best.

Realtors and real estate agents are here on the real estate market, to help clients understand how they can value their houses, what should they look for when trying to sell or buy a house, how to negotiate, and how to win a real estate transaction. Some may say that buying or selling a real estate property is easy, but the fact is that pricing a house is a very difficult process. Many real estate agents, brokers, have suffered many defeats before their first good business, so do not expect their job to be an easy one.

Unfortunately, a concerning price and sales gains of these past years have determined in many cases quitting the real estate business. Many real estate agents who have seen the future preferred to do something else than real estate business. The credit market is also in a critical position, as many Realtors have observed. Mortgage values are also a result of real estate market position right now. Real estate investors have diminished their participation number to real estate auctions, as a sign they have seen it too.

Sports Betting Systems – Increase Your Odds

No matter what type of gambling you like to engage in, common sense says that developing a system will increase your odds of gaining a return on your wager. This theory holds true for most people interested in sports betting; sticking to a certain set of practices will in the end help you realize gains over the long term, rather than losses.

Before we start talking about some sports betting systems, it is important to note that this logic is only partially true. In fact, a betting system can at best help you to reduce your losses over the long term while gambling on sports; the best possible realistic exit for any system is an even split of wins and losses over the long haul.

The reason for this comes down to the professionals, by which we mean the professionals who really DO make a huge profit month in and month out, through history, in sports betting. Those professionals, of course, are the bookmakers.

Using statistical analysis, bookmakers can always determine which betting systems are currently being used by bettors, and they always adjust the odds accordingly. They may make a home game split a poor value bet in order to compensate, or begin to adjust the lines. Whatever the measures, you can bet that the sports books have thought up ways to counter systems.

With that said, there are systems that can be used to increase your chances of profit over the long term in sports betting, but they really have to do with personal control and strategies when betting. The good thing about this approach is that you can use it on any given sport, so it applies universally. Let's take a look at some money wise ways to approach your sports betting strategy.

o Establish a bankroll: Before the beginning of the season, the playoffs, or whatever event you wish to wager on, you have to establish a bankroll. This bankroll will be based on the money you feel you can LOSE during the course of the betting season. Once you lose that money, it is very important that you stop betting or you will find yourself in a lot of trouble, very quickly.

o Do not chase bad bets. One of the biggest temptations for those engaging in sports betting is to try to make up money they lost while wagering on certain games. This is almost always a recipe for disaster. If you lose all your games on betting on weekend NFL games, do not try to make up for it with a bet on Monday night!

Those are the important foundations for any sports betting strategy, and they will help mitigate your losses on any losing season.

Now, let's take a look at some strategies to apply to your general sports betting endeavors.

o Research! In order to make a good bet (meaning, a bet that has the best chance of winning), you need to know all you can about the game in question. That means doing a lot of research. Know who is playing what position, their health and mental status, the record of the teams against each other, other records, even who the officials are. Good research is your most effective tool when it comes to placing a good bet.

o Watch out for tired teams! In a lot of sports, teams play back to back games. If they are playing a fresh team, this can factor into their ability to play. It does not always work, but most times a team playing its second game in two nights will have a reduced chance of winning.

o Betting series: This strategy really only applies to baseball betting, where teams may play three or more games against each other in a row. In these cases it is usually possible to predict which team will come out with the most wins in the series, and that's an easier call than game to game.

Of course, for all those strategies, you have to keep in mind that the bookmakers are just as aware of the factors as you are. They will adjust the odds accordingly, which is something else you have to be aware of.