In NC when you add your teenager to your auto insurance policy, almost everyone knows their rates are going to go up. But few people understand how the system works and what you can do about it to minimize these additional charges on your policy. This video explains how it works and what your options are. For safety tools to help teach your child to be a better driver, visit our teen driver safety web site at www.teendriverinsurance.co For help with your teen driver insurance policy visit us online at www.ClinardInsurance.com or call us toll free at 877-687-7557.
Tuesday, August 24, 2010
Great Price for $8.34
I Want to Be Rich! a Teenager's Modem to Money: Financial Planning for Teenagers Review
In "I Want To Be Rich!...A Teenager's Modem to Money" Ms. Humbolt gives the basics for financial planning that all teenagers should follow if they are going to take charge of their financial futures, rather than having their financial futures take charge of them. It is all here, budgets, taxes, inflation, wages, jobs, a college education, investing, etc. This is a book that teens should buy as an investment in their futures. The book is well suited for giving to a teen by parents, grandparents, aunts, uncles, etc. The best time start a teen on the road to financial planning is now, not 20-30 years from now.
I Want to Be Rich! a Teenager's Modem to Money: Financial Planning for Teenagers Overview
I Want To Be Rich! discusses goal setting and budgets; the importance of saving; investments like bonds, sotcks, and mutual funds; the value of a higher education and how to finance it; how to obtain credit; job hunting skills; and owning a business.
In "I Want To Be Rich!...A Teenager's Modem to Money" Ms. Humbolt gives the basics for financial planning that all teenagers should follow if they are going to take charge of their financial futures, rather than having their financial futures take charge of them. It is all here, budgets, taxes, inflation, wages, jobs, a college education, investing, etc. This is a book that teens should buy as an investment in their futures. The book is well suited for giving to a teen by parents, grandparents, aunts, uncles, etc. The best time start a teen on the road to financial planning is now, not 20-30 years from now.
I Want to Be Rich! a Teenager's Modem to Money: Financial Planning for Teenagers Overview
I Want To Be Rich! discusses goal setting and budgets; the importance of saving; investments like bonds, sotcks, and mutual funds; the value of a higher education and how to finance it; how to obtain credit; job hunting skills; and owning a business.
Leasing Used Cars
Leasing a used vehicle can be an attractive deal in many ways, no least getting you into that luxury model or SUV, for lower monthly payments than a brand new one. Be prepared, however, to do some more homework to dissect a good deal.
As with new car-leasing, your price research should focus on the key figures that are the initial market value and the estimated residual value of the used car. This is harder to predict since there is no factory-set sticker price on used cars, and the residual percentage is very much pegged to a subjective current retail value.
Use different sources to get a rough idea of the value of the used car: your local dealerships, internet car-evaluating tools, such as Edmunds.com and Cars.com, to name but a few. Another way to pin down a good estimate is to compare the lease on your given car to a lease on a new-car with the same make and model.
This should give you a better picture of the difference between leasing new and going for used. Just like leasing a new car, used vehicle leasing is more attractive when residual values depreciate the least. You stand a better chance of finding a bargain in the high-end, luxury vehicles that keep their values better as used cars.
Next, you need to check the initial mileage and the overall vehicle condition. The maximum mileage on a used car should be no more than 12,000 miles a year. A 3-year old car with 50,000 miles on the clock is very unlikely to make a good used-vehicle lease. Check for signs of excessive use, like worn seat fabric, worn pedal pads and dirty engine, which might indicate that the odometer has been rolled back.
If the car is not certified, you need to get it thoroughly inspected. Ask your dealer for a manufacturer-sponsored certification program or have your car certified by a qualified mechanic or inspection service.
Most used-car deals don’t come with gap coverage. This is a special type of coverage, normally offered on a new auto-lease, to cover the consumer if the leased vehicle is lost, stolen or damaged. Typically, auto-insurance policies cover only what your car is worth at the time of loss, not what you still owe on the lease.
The difference could run into thousands of dollars. For peace of mind, do not enter into any used-car lease without gap-coverage. Arrange it separately with either the lease dealer or your auto-insurance company.
As with new car-leasing, your price research should focus on the key figures that are the initial market value and the estimated residual value of the used car. This is harder to predict since there is no factory-set sticker price on used cars, and the residual percentage is very much pegged to a subjective current retail value.
Use different sources to get a rough idea of the value of the used car: your local dealerships, internet car-evaluating tools, such as Edmunds.com and Cars.com, to name but a few. Another way to pin down a good estimate is to compare the lease on your given car to a lease on a new-car with the same make and model.
This should give you a better picture of the difference between leasing new and going for used. Just like leasing a new car, used vehicle leasing is more attractive when residual values depreciate the least. You stand a better chance of finding a bargain in the high-end, luxury vehicles that keep their values better as used cars.
Next, you need to check the initial mileage and the overall vehicle condition. The maximum mileage on a used car should be no more than 12,000 miles a year. A 3-year old car with 50,000 miles on the clock is very unlikely to make a good used-vehicle lease. Check for signs of excessive use, like worn seat fabric, worn pedal pads and dirty engine, which might indicate that the odometer has been rolled back.
If the car is not certified, you need to get it thoroughly inspected. Ask your dealer for a manufacturer-sponsored certification program or have your car certified by a qualified mechanic or inspection service.
Most used-car deals don’t come with gap coverage. This is a special type of coverage, normally offered on a new auto-lease, to cover the consumer if the leased vehicle is lost, stolen or damaged. Typically, auto-insurance policies cover only what your car is worth at the time of loss, not what you still owe on the lease.
The difference could run into thousands of dollars. For peace of mind, do not enter into any used-car lease without gap-coverage. Arrange it separately with either the lease dealer or your auto-insurance company.
motor BIMOTA DB7 Oronero 2010 pictures
Journalists from around the world gathered at the demanding Misano Adriatico World Circuit in Italy to put the new DB7 to the ultimate test for a sport bike – professional pilots at full race speeds on a world-class racetrack. Misano challenged both pilot and the DB7 with blurring top speed, arm straining braking and kneedragging lean-angles hour after hour. The day began with journalists falling in love with the unique design and style of the DB7, described as “sex on wheels”. The day ended with applause for a motorcycle as capable on the track as its aggressive sporting look implies. Praise for the track manners, stability and ease of riding fast were poured upon the DB7 Superbike. Hand-built and available in limited numbers, the DB7 is the most sought after Bimota motorcycle ever.
The DB7 looks like no other Superbike, never to be mistaken for another brand. With the team colours of red, white and black applied to the carbon fiber body shaped by the pen and hands of designer Enrico Borghesan, the Bimota family dna is clear to see. Powered by the incredible Ducati 1098 Testastretta Evoluzione engine, the DB7 enhances the performance of the motor with Bimota chassis concepts and exceptional lightweight. The new Bimota Superbike introduces a long list of innovations including a beautiful oval tube hybrid-trellis frame, distinct Bimota styling, a structural carbon fiber rear sub-frame and unrivalled component details. Bimota performance and innovation has never been more beautiful.
This Superbike dares true motorcyclists to get close and indulge in its details. The beauty and drama of the DB7 at a distance is surpassed only by its detail. Each and every assembly, fastener and chassis component is elegantly fashioned and manufactured with care using advanced materials. From billet machined subframes, footrests and control levers to the structural carbon fiber tail section and titanium silencer, no compromise was ever considered nor made. The details are simply spectacular.
The handcrafted DB7 remains at the pinnacle of the sportbike world, but the Bimota engineers, led by Andrea Acquaviva, wanted to go even further. During this year’s International Motorcycle Exposition (EICMA) in Milan Italy, Bimota unveiled an even more extreme and technologically advanced DB7 -- the Oronero.
Bimota has exploited weight saving structural carbon fiber for tail sections in both in its DB7 and signature hub center steering Tesi 3D with tremendous success. Now in the next natural step, Bimota DB7 Ononero boasts a carbon fiber frame and swingarm.
Appearing for the first time in a production motorcycle, Bimota has now developed a structural carbon fiber frame material in cooperation with the engineering and manufacturing of BRBike. This is advanced technology formerly exploited in Formula 1 race cars and military aircraft, substitutes the traditional steel and aluminium structures with this incredible ultra light material.
The Ononero’s frame and swingarm share the same external dimensions of the standard DB7, but are
devoid of traditional welds and mitred junctions. The result is an up-to-now unthought-of featherweight chassis.
The 6 Kg reduction in weight with this advanced frame and swingarm results in a completed bike with an astounding overall dry weight of 164Kg, and with 164 hp, the Oronero has an almost the magical ‘power to weight’ ratio.
Additional weight saving innovations include a titanium rear shock spring and lightened ‘wave’ front brake discs.
Further innovations for the Oronero includes new race derived all digital GET instrumentation, which is
virtually a stand alone, dedicated computer. The advanced meter monitors the Oronero’s engine systems but also the bike’s dynamic performance including lap times, service due warning, time and a long list of customizable features. Further the instrument features built-in onboard GPS, that recognizes which track you are circulating, automatically records lap times via GPS, and later allows you to visualize and analyse track sessions on your PC. The Get instrumentation has many expandable functions, including active suspension monitoring and more.
Even with the praise poured upon the DB7 for its ultimate attention to details, beauty and track confidence, the Oronero version achieves an even higher standard. A new standard of light-weight, rigidly stable chassis dynamics and astounding track performance.
The Oronero version of the DB7 will be crafted in a limited series and is available for reservation now.
Specifications
ENGINE
Engine Configuration: Twin cylinder 90°
Displacement: 1099 cc
Engine Cooling: liquid cooling
Compression Ratio: 12.5±0.5:1
Valves per cylinder: 4
Bore x Stroke: 104.0 mm x 64.7 mm
Engine Redline: 10.700 rpm
Valvetrain Type: Desmodromic valve actuation
Intake Valve Diameter: Ø 42 mm
Exhaust Valve Diameter: Ø 34 mm
Fuel Pump: 3.5 bar, electronic
Throttle Body Size: 60 mm
Exhaust System: 2 in 1 in 1, inox
Emission: EURO 3
Injection: Walbro
Injectors: Magneti Marelli
Lubrication System: Wet Sump
Transmission Type: Dry clutch multi-disc with hydraulic actuation system
Primary Drive ratio: 32/59
Final Drive ratio: 15/38
Transmission ratio: VI = 15/37
V = 17/30
IV = 20/28
III: 22/26
II: 23/24
I: 24/23
CHASSIS
Wheelbase: 1435 mm
Steering angle: 25°
Swingarm length: 525±20 mm
Seat height: 800 mm
Footpeg height: 400mm
Handlebar height: 860
Overall length: 2100 mm
Overall width: 700 mm
Overall height: 1115 mm
Ground clearance: 135 mm
Front suspension: Marzocchi UD fork DLC fully adjustable diameter: 43 mm stroke: 120 mm
Rear suspension: Extreme Tech Monoshock fully adjustable low/high speed wheel stroke: 120 mm
TITANIUM spring
Front brake: Double Ø320 mm Braking WAVE floating disc, 4-pistons,4-pads with radial Brembo callipers,
radial pumps
Rear brake: Ø230 mm Bimota floating disc, 2-pistons, 2-pads with Brembo calliper
Wheels: FRONT. 3.5x17.0 Forged Al Alloy Bimota Experience
REAR. 6.5x17.0 Forged Al Alloy Bimota Experience
Tires: FRONT. 120/70 ZR 17, Continental Race Attack
REAR. 190/55 ZR 17, Continental Race Attack
Fuel tank: 16 l (4 l reserve)
Total weight dry: 164 kg
Color: carbon fiber
The DB7 looks like no other Superbike, never to be mistaken for another brand. With the team colours of red, white and black applied to the carbon fiber body shaped by the pen and hands of designer Enrico Borghesan, the Bimota family dna is clear to see. Powered by the incredible Ducati 1098 Testastretta Evoluzione engine, the DB7 enhances the performance of the motor with Bimota chassis concepts and exceptional lightweight. The new Bimota Superbike introduces a long list of innovations including a beautiful oval tube hybrid-trellis frame, distinct Bimota styling, a structural carbon fiber rear sub-frame and unrivalled component details. Bimota performance and innovation has never been more beautiful.
This Superbike dares true motorcyclists to get close and indulge in its details. The beauty and drama of the DB7 at a distance is surpassed only by its detail. Each and every assembly, fastener and chassis component is elegantly fashioned and manufactured with care using advanced materials. From billet machined subframes, footrests and control levers to the structural carbon fiber tail section and titanium silencer, no compromise was ever considered nor made. The details are simply spectacular.
The handcrafted DB7 remains at the pinnacle of the sportbike world, but the Bimota engineers, led by Andrea Acquaviva, wanted to go even further. During this year’s International Motorcycle Exposition (EICMA) in Milan Italy, Bimota unveiled an even more extreme and technologically advanced DB7 -- the Oronero.
Bimota has exploited weight saving structural carbon fiber for tail sections in both in its DB7 and signature hub center steering Tesi 3D with tremendous success. Now in the next natural step, Bimota DB7 Ononero boasts a carbon fiber frame and swingarm.
Appearing for the first time in a production motorcycle, Bimota has now developed a structural carbon fiber frame material in cooperation with the engineering and manufacturing of BRBike. This is advanced technology formerly exploited in Formula 1 race cars and military aircraft, substitutes the traditional steel and aluminium structures with this incredible ultra light material.
The Ononero’s frame and swingarm share the same external dimensions of the standard DB7, but are
devoid of traditional welds and mitred junctions. The result is an up-to-now unthought-of featherweight chassis.
The 6 Kg reduction in weight with this advanced frame and swingarm results in a completed bike with an astounding overall dry weight of 164Kg, and with 164 hp, the Oronero has an almost the magical ‘power to weight’ ratio.
Additional weight saving innovations include a titanium rear shock spring and lightened ‘wave’ front brake discs.
Further innovations for the Oronero includes new race derived all digital GET instrumentation, which is
virtually a stand alone, dedicated computer. The advanced meter monitors the Oronero’s engine systems but also the bike’s dynamic performance including lap times, service due warning, time and a long list of customizable features. Further the instrument features built-in onboard GPS, that recognizes which track you are circulating, automatically records lap times via GPS, and later allows you to visualize and analyse track sessions on your PC. The Get instrumentation has many expandable functions, including active suspension monitoring and more.
Even with the praise poured upon the DB7 for its ultimate attention to details, beauty and track confidence, the Oronero version achieves an even higher standard. A new standard of light-weight, rigidly stable chassis dynamics and astounding track performance.
The Oronero version of the DB7 will be crafted in a limited series and is available for reservation now.
Specifications
ENGINE
Engine Configuration: Twin cylinder 90°
Displacement: 1099 cc
Engine Cooling: liquid cooling
Compression Ratio: 12.5±0.5:1
Valves per cylinder: 4
Bore x Stroke: 104.0 mm x 64.7 mm
Engine Redline: 10.700 rpm
Valvetrain Type: Desmodromic valve actuation
Intake Valve Diameter: Ø 42 mm
Exhaust Valve Diameter: Ø 34 mm
Fuel Pump: 3.5 bar, electronic
Throttle Body Size: 60 mm
Exhaust System: 2 in 1 in 1, inox
Emission: EURO 3
Injection: Walbro
Injectors: Magneti Marelli
Lubrication System: Wet Sump
Transmission Type: Dry clutch multi-disc with hydraulic actuation system
Primary Drive ratio: 32/59
Final Drive ratio: 15/38
Transmission ratio: VI = 15/37
V = 17/30
IV = 20/28
III: 22/26
II: 23/24
I: 24/23
CHASSIS
Wheelbase: 1435 mm
Steering angle: 25°
Swingarm length: 525±20 mm
Seat height: 800 mm
Footpeg height: 400mm
Handlebar height: 860
Overall length: 2100 mm
Overall width: 700 mm
Overall height: 1115 mm
Ground clearance: 135 mm
Front suspension: Marzocchi UD fork DLC fully adjustable diameter: 43 mm stroke: 120 mm
Rear suspension: Extreme Tech Monoshock fully adjustable low/high speed wheel stroke: 120 mm
TITANIUM spring
Front brake: Double Ø320 mm Braking WAVE floating disc, 4-pistons,4-pads with radial Brembo callipers,
radial pumps
Rear brake: Ø230 mm Bimota floating disc, 2-pistons, 2-pads with Brembo calliper
Wheels: FRONT. 3.5x17.0 Forged Al Alloy Bimota Experience
REAR. 6.5x17.0 Forged Al Alloy Bimota Experience
Tires: FRONT. 120/70 ZR 17, Continental Race Attack
REAR. 190/55 ZR 17, Continental Race Attack
Fuel tank: 16 l (4 l reserve)
Total weight dry: 164 kg
Color: carbon fiber
How to Get Young Person's Car Insurance
car insurance can cause a substantial strain on the budget of young drivers who generally have limited disposable income compared to older drivers. Young persons car insurance should be cheap and yet comprehensive enough to take care of contingencies. Here are some tips to help young people find a good deal on auto coverage.
- If you are a student then look for discounts such as good grades discount or student discount. Take up a defensive driving course. The course will brighten up your chances of getting a good rate for automobile insurance.
- Stick with cheap car models. A car which is cheaper and easier to maintain and repair will fetch you cheap auto coverage than a brand new car.
- Do away with extras in the policy such as the road side assistance or car rental in case on contingencies. In most cases you do not need it frequently. Young persons can cut down on their automobile insurance significantly by opting only for the liability than for a comprehensive coverage, if they drive a cheap car.
- If you are a parent looking for young persons car insurance for your teenager, consider a adding him or her as an added driver on your existing auto insurance policy. Some of the best companies also offer multiple driver discounts.
- To further reduce the young driver rates, one can schedule the payments every six months because the deductibles are higher for payments that are scheduled closer.
Make Sure that Your Car Insurance Company Gets Honored
Make Sure that Your Car Insurance Company Gets Honored
However, since car insurance policies can be very complicated, you may not even be covered by your policy if something happens to your car. If your car’s wheels get destroyed and the wheels are not covered by your cheap auto insurance policy, then the car insurance company will have nothing to do with your repair or replacement expenses. This can be a waste, especially since you pay a hefty monthly fee to the insurance company to keep your insurance policy going.
To minimize the chances of you getting a bad deal for your money the next time you run into an automobil accident, be sure that you get the best car insurance rates and ins policy that you can possibly get. The best insurance may not mean the most expensive or most loaded policies, because not everybody can afford to pay such hefty fees. What you do need on the other hand is the best automobile insurance company and quote that your own money can buy and pay for every month.
More than getting the most affordable deal, you should also sign up with an auto insurance company or agent that is ready to help you whenever you find yourself in a tight spot. In this case, cheap doesn’t always mean good because just because insurance is offered to you at an extremely low price means that the company is sure to help and pay what is due their client when the time comes.
When people get into accidents, their insurance agents (if they’re that sort) make it very hard on them and try to wiggle out of paying by arguing that they are not covered by the car insurance policy or that the insurance company should only pay part of the expenses. Ask around with family, friends and people you trust on who they believe the best and most trustworthy companies are before signing.
The Sad State of Advertising
So I realized something as I was waking up from being passed out on the couch--advertising for the majority of products out there just sucks. I mean, you've got two extremes for ads. You've got the ones that got made on a budget of five dollars and just suck for lack of effort, and the ones that try to be so clever they end up circling around the whole spectrum to awesome, coming back around and sucking anyway because you have no idea what it was for.
Like this one ad that I just saw on TV. I don't remember the product or service or even the genre of it, and I watched it ten minutes ago. The one thing I can remember is that there was this repeating shot of a lady walking up a staircase saying something after the voiceover, and by the end of the commercial she'd walked up the same steps five times, saying something different each time.
Or you get the ads that spend so much time being clever that they completely forget to mention the product save for a logo at the end. Car commercials seem to do this every time a blockbuster movie comes out. I swear, they forget what the kerr they're trying to sell. You get this long, extended Iron Man 2 trailer, and then at the end they go, "Oh yeah, buy an Audi."
But coming back around to five-dollar sucktastic, ever seen an ad for Outrageous Audio? It's a car audio shop up here in Portland, so if you live anywhere else, you haven't. But their ads consist of a logo, and then 30 seconds to a minute of this really annoying guy yelling at the camera that he's got 'Sony iPod Decks for only 59 bucks! Until they're gone!!' and acting surprised that they're offering a deal that amazing. Acting poorly, I should say, because his 'surprised' face reads like a guy who just received an unexpected colonoscopy.
Like this one ad that I just saw on TV. I don't remember the product or service or even the genre of it, and I watched it ten minutes ago. The one thing I can remember is that there was this repeating shot of a lady walking up a staircase saying something after the voiceover, and by the end of the commercial she'd walked up the same steps five times, saying something different each time.
Or you get the ads that spend so much time being clever that they completely forget to mention the product save for a logo at the end. Car commercials seem to do this every time a blockbuster movie comes out. I swear, they forget what the kerr they're trying to sell. You get this long, extended Iron Man 2 trailer, and then at the end they go, "Oh yeah, buy an Audi."
But coming back around to five-dollar sucktastic, ever seen an ad for Outrageous Audio? It's a car audio shop up here in Portland, so if you live anywhere else, you haven't. But their ads consist of a logo, and then 30 seconds to a minute of this really annoying guy yelling at the camera that he's got 'Sony iPod Decks for only 59 bucks! Until they're gone!!' and acting surprised that they're offering a deal that amazing. Acting poorly, I should say, because his 'surprised' face reads like a guy who just received an unexpected colonoscopy.
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