How to Choose Your Motorcycle GPS Systems

Location, location, location are not just words used in real estate. When riding your motorcycle it's a great idea to know where you are and where you are going. Global positioning systems or GPS have come a long way in the last twenty years in helping riders find their way along the highways and byways of traveling. Choosing the right GPS for your motorcycle can depend on what features you desire.

The physical dimensions of the GPS device can be up to 5.7 "x 4.2" giving you a large enough screen to view your roadway, directions, watch a video on screen, or just use the split screen to see your next turn. The buttons for almost anything you need are right there on your large screen. In case you want to find your location at the moment just go to the Menu. From there push the "Where Am I" button on the touch screen and you will be able to read your exact location.

GPS devices are generally pre-loaded with maps of the United States including all cities, towns, highways, and local points of interest. This allows the rider to find any destination, landmark, or address in the continental United States. To help with guidance GPS devices have voice control which allows you to talk to the GPS and ask for directions, turns, or the next filling station on your route. The device also gives you audible turn by turn.
instructions, highways intersections, distance to your turn, and what lane you need to be in to make your next turn.

Wifi capability is available if you need to make reservations at a restaurant, check your stock portfolio, or just look up a local movie theater. The Wifi feature also allows you to get the local weather and traffic information so that you can either get out of the rain if need be or detour around an accident in the road several miles ahead. The colorful touch screen can be a valuable benefit to you when trying to finding your way to local events, route planning, and uploading those points of interest you would like to see along the way.

To give you further enjoyment on your ride the GPS device has Blue tooth Stereo as an added feature. This allows for many hours of listening comfort while you ride. If you enjoy music as most people do you'll want to choose some of your own favorites. An MP3 player gives you the flexibility while you drive. You can easily hook into the side of the GPS with your jack and listen to your music or get directions to your brother's barbecue.

For most of us in today's market we would not want to be without our cell phones. Blue tooth technology has allowed GPS devices to have hands free phone service. Use the touch screen to accept a phone call and talk to the GPS device to find a number and make a call. Hands free phone service is easy and very versatile.

When you've reached your destination GPS device can be removed and used to find your way on that hike up the mountain and back. Your exact location where your bike was left can be found by easily using your touch screen and directions. Global Positioning Systems (GPS) are the best idea for the motorcycle rider.

Furniture Store Marketing – Generate Tons of Customers by Partnering With Other Furniture Stores

Partnering with other home furnishing stores is a joint venture strategy that most home furnishing store owners have probably never even considered. It is probably because this joint venture strategy will require you to be really confident and comfortable in your own business.

Otherwise it would seem like you are risking losing your customers to another furniture store, but that is not true. The key to this strategy is partnering with other furniture store companies that do not sell the same types of products that you sell. Now, just to be clear about this strategy; you will not be switching lists with other home furnishing stores, you will be creating a in store coupon or referral program to use this strategy.

Partnering with other home furnishing stores allows you to gain access to customers who you certainly know are in the market for home furnishings. For example, if there is a store in your area which sells picture frames, fake plants and other various home supplies, ask them to allow you to have a podium stand or counter display stand filled with coupons as a bonus for shopping at their store.

In return you could have the normal mailing to your customers or also allow them to have a floor display on your showroom floor. There are many ways to manage these types of joint ventures, so be flexible and ask your potential partners about their specific needs and wants.

Examples can include stores that sell:

Washers & Dryers

Television & Electronics

Windows

Custom Closets

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.

The Secret of Successful Container Gardening

Container gardens are great, and a lot of people are starting to look at container garden ideas today for convenient ways that they can start one. If you don’t have a lot of space but you want to grow some vegetables, flowers, or plants, you need to check out container gardens and how they can work for you. You’ll be amazed how with the right steps and secrets, you’ll know how to grow a container garden that is flourishing and looks outstanding.

Have Containers that Work for You

The great thing with a container garden is that you can use any sort of container that you want. So, if you want to use a container that is a rubber boot, you can do that, and that draws a lot of people to this style of garden. But, no matter what container you are using, you need to make sure that there is proper drainage. There are a few different ways that you can create drainage, you can do a layer of rocks at the bottom so that there is room to drain where the roots won’t grow, or you can go ahead and put holes in the containers. You also need to make sure that the containers that you are using are going to be big enough, you need to have containers that are big enough for the size of the roots that are going to grow, otherwise the plant will die off or you will stunt the growth.

Have the Correct Soil and Light Conditions for What You’re Growing

The other factor that is really important with what you are growing and your container garden is having the correct soil and lighting conditions. With soil, you will find that you may need to have different soils for different plants, so one container may have a different pH than the other soil that is out there. Also, check the light conditions so that you know if the plants that you are growing have enough light. Different plants need different amounts of light, so it will depend on what you are growing in your container garden and how much light that they need. Generally, it is best to give them light that is less harsh, like morning light instead of afternoon light that can actually burn the leaves or harm the plants. Make sure that you have the right soil and light conditions so that your plants can flourish in it and grow to what you want.

Have a successful container garden with all the tools that you need, there are all kinds of little things that you need to do, but knowing these tips and tricks will make it a lot easier to handle. There are all kinds of little tips and tricks that will give you an extremely easy to grow container garden. See what works the best for you and use these container garden ideas to get a great looking container garden that is going to look amazing and be extremely functional, you’ll love it.