How Much Car Insurance Do You Need?

The amount of car insurance you require will depend on several factors. The value of your car, whether your vehicle is financed or you own it, the age and type of car you own, and the state you will in will factor in determining how much insurance you need. Another reason you may require more insurance is if your car has enhancements added that were not put on when the car was manufactured.

If your vehicle is new and in top condition, full coverage insurance is the best bet if you own it outright. This will cover the cost of providing the money to purchase another car in the same condition should you be in an accident that totals your car. Most finance companies require you to carry full coverage insurance. They like to make sure they will get the amount they lent for the purchase of a car back should it be totaled in an accident. If you own an older car, liability coverage is the best way to go. This insurance will prevent you from being sued in the event of an accident that is your fault and there are injuries that need to be compensated. It is a good idea to carry more than is recommended because, in the event of an accident with injuries to the other person, the minimum may not cover all of their injuries and, if not, they will rarely come after you to collect the reminder . There are only 4 states at the present that do not require any type of insurance.

If you have had anything added to your vehicle, such as stereo systems or expensive wheels, you should add insurance to cover these add-ons in case of theft. Comprehensive insurance is usually required by finance companies and covers a variety of damages such as wind damage, falling objects, fire, flood, etc. If you are an antique car buff, you will want to insure your car to cover the replacement value. Using your car for business may require that you carry more insurance than you typically would. Basically, the price and the amount of coverage that you carry will be governed by the insurance requirements for the state you stay in and whether you want or feel you need extra insurance above what is required for your vehicle type. It is best to find out what requirements your state has and what you expect to be compensated for in the event of an accident.

According to car crash statistics there were 6,420,000 auto accidents in the US in 2005 with a financial cost of 230 billion dollars. Nationally, a vehicle theft occurs every 27 seconds.

Avoiding Common Mistakes in Furniture Arrangement

Proper furniture arrangement can be the key towards making your home look more appealing.

Of course, it is a common experience for a lot of homeowners to have a little confused about how to organize their furniture. Keeping things in order can be a real challenge for the unaware. Not knowing where certain furniture should be placed can mean you will have a hard time figuring things out once you need to do the actual arrangement.

This dilemma can be avoided if you will keep a few practical pointers in mind. Read on and I will share some effective tips to help make furniture arrangement as easy as it should be.

1. Decide how much furniture should be displayed.

Instead of displaying all the furniture you own, a wiser idea is to simply select the best ones. Check their current condition and decide which of them describes being displayed. Begin with your biggest furniture pieces because they are harder to get rid of.

If you are planning to sell your home, you'd want the prospective buyers to focus on your properties instead of its displays. This can be a little tricky to pull off but setting your own limits can be more rewarding in the long run.

2. Determine a room's purpose and set a focal point.

It is highly critical for every room to have its own function. Doing so will allow you to decide which furniture should go to which room. Your couch, for example, describes to be in your family room since that's where family members gather to watch television or enjoy activities together.

Also, setting a focal point can make any room feel a little more organized. Whether it's a nice bookcase or a headboard, you will have fewer problems achieving a cleaner look for your home.

3. Group appropriate furniture together.

Only after deciding the room's focal point would you be ready to group different furniture together.

Think about it – which furniture pieces are commonly displayed together? The quick answer for this is that chairs and desks are partners. A table, on the other hand, will be perfect for your sofa. Speaking of which, coffee tables should be big enough.

These are some of the things that you can do to ensure that you have a well-organized home. By following these general rules, you will be able to minimize the clutter and achieve your home's full potential.

4 Motorcycle Accessories to Add Your BMW GS Motorbike

The BMW GS series of motorbikes is seen as one of the most popular range of motorbikes in its class – the dual sport / adventure bikes. They are even extremely popular outside of their class, possibly losing out only to Japanese racing bikes and Harleys. If you own a BMW GS bike and have not yet taken it on overnight (or longer) trips, it's high time you do so because this is what they were built for. This article suggests five common accessories you can add to your bike, which you'll certainly appreciate regardless of whether or not you are already a seasoned adventure motorcyclist.

Motorbike Luggage carriers / panniers

Motorcycle luggage carriers are probably the first type of BMW GS accessories you should be looking at. Not much point in taking overnight trips if you can not carry any substantial amount of luggage with you, right? There are several options available:

Tankbags are placed just in front of you, between your seat and the handlebars. These are usually quite small bags, very convenient for storing items you need to get to quickly like your wallet or camera. Topcases are another option which are mounted on the back of the bike. You may or may not need to install a rack or adapter plate to hold the case, especially if you're installing a non BMW topcase.

BMW GS panniers or "side bags" as they are commonly called hang off the sides of the bike, at the back. Soft panners offer less protection to its contents, hold smaller volumes but are less bulky. Hard panniers are manufactured from metal (usually aluminum) can be costly and are definitely heavier and bulkier but usually offer excellent protection from crashes, water and dirt. They can sometimes hold up to 40L each, which ads the same capacity as a very large backpack right on the rear of your bike – get 'em if you can afford' em. If you can not fit all your stuff in a pair of these panners, a rollbag and tank bag then you seriously need to reconsider the amount of stuff you are taking.

Motorcycle Lights

Motorcycle lights are a useful addition which adds an element of safety to your riding experience. You can see better, and you're also seen better. Xenon headlights are available and these make your bike stand out more when you appear in other driver's mirrors – the extra visibility could save your life one day. Several companies manufacture additional light sets that are mounted on the front of bike, to be used in foggy or other low visibility conditions. These are ultra bright lights which allow you to see the road in front of you and any possible obstacles better.

Perhaps they should not be used only in low-vis conditions: I've heard car driver sympathetic to us motorcyclists say that (while being as attentive as they can) "I just do not notice bikes on the road. notice ONE light at all ". Anyone who drives a car through cities should be able to confirm this – a single light just does not stand out. A set of extra lights on the side of your bike results in a "triangle" of lights shining out of your bike: one main light with two extra lights below and to the side of it. If you've ever seen a big GS bike kitted out with this kind of setup you'll know what I mean. Although a little extravagant, these extra lights DO make you more visible in the rear view mirrors of car drivers. Hopefully they will realize a motorbike is approaching before the swerve out of their lane and nail you.

Finally, aftermarket brake lights are available that shine brighter and can be configured to blink or flash quickly when you brake. I'm not sure if they are legal, and they may be annoying to car drivers but they allow motorists driving behind you to notice you quick – very useful in case traffic slows down abruptly and you're worried about getting rear ended by inattentive drivers .

Aftermarket exhausts

Motorcycle exhausts are toys for the boys. They rarely offer practical improvements, other than a great rumbling sound for that extra satisfaction when you're revving the engine at a red light. It has to be said that aftermarket exhausts are usually also lighter than the OE ones and may save a couple of pounds in weight – who does not want a lighter bike? These exhausts usually also give you a little bump in horsepower – not as much as with aftermarket car exhausts, but maybe noticeable nonetheless. One thing to look out for is that exhaust does not get in the way of any panniers or pannier racks you have hanging off the side of the bike. Exhausts are not cheap but will only widen your grin and give your bike more of an individual character.

Fairing & windscreens

Motorcycle fairing is the "shell" that's placed over the frame at the front of the bike and is designed to reduce air drag. It improves the aerodynamics of the bike and protects you from wind blast and debris flying your way. Assuming you have not mounted a fridge sized box on the back of your BMW GS, its aerodynamics are probably good enough for overnight trips. However, the protection from wind and debris offers a substantial improvement. Modifying the fairing on BMW GS bikes is usually done by the real pros and in rally conditions, but casual travelers can seriously benefit from an extended windscreen which can save strain on your body and neck when driving at moderate to high speeds during highway cruising.

For the real fanatics, Touratech is able to convert your GS motorbike in to a fully fledged Paris – Dakar clone. Their "desertio" range of bikes renders the original GS bikes almost unrecognizable. Conversions like this come at a price, but if the environment is appropriate you'll appreciate these full on make-overs.

It's clear that adding BMW GS accessories to your bike are a great way to make your bike safer, unique, better looking and more travel-worthy.

Happy trials and ride safe!

Brand Marketing Online – Creating Your Loyal Customer Base The Easy Way

Brand marketing online is easier than your think these days. The average business owner has no clue about the simple tools that you will read about here. Many of your competition are spending thousands of dollars in advertising and not making the impact they desire. You can stand out from the crowd with these easy and cheap tools of the marketing business. There are a lot of really good ways to brand yourself, but here are what we feel are three of the best performers.

Create a massive and loyal customer base with these simple and cheap marketing tools.

1) Blog Site - The very best tool for brand marketing online is a common blog site. You will be amazed how simple it is to set one up and get your information on it. This marketing platform can be adjusted by just about anyone who can use a word processor. The blog site will use small programs that are called plug-in to automate a lot of the customization. These work much like the apps on our phones. Each does a different thing and there are thousands of them out there. You can also host all kinds of files, posts, and media on them as well. You can set up a membership section to allow for additional information or savings to go to your loyal customers. Blogs are very powerful and inexpensive to run.

2) Flip Style Camera - A camera is an easy thing to get these days. There are a multitude of styles and brands out on the market. If you are brand marketing online, you really do not need to spend a lot of money on these at all. $ 150 would be the most, but I just got a nice one for $ 99. Shop round. You really want one that takes decent stills and HD is always preferred for your marketing videos. Now what will you us this for? In marketing there is a hierarchy of impacts from written, still pictures, audio, video, and then a combination of all of them? You will want to use your new toy, I mean tool, to capture and share all of those. Pictures and video about your business and your life in general will allow your customers to get the sense that they know you. That is very powerful in marketing. People do not buy from companies; they buy from people they trust. Get a camera and start shooting everything!

3) Facebook Page - This is where your brand marketing online will really start to take off. Use the other two tools in conjunction with this one and you will be on top of the industry in no time. Now we are not talking about a Facebook account profile page. We mean a page or what they used to call a fan page. This will let you post and have more than 5000 users that like it. The key factor is the likes and you can use your camera to add valuable information about your industry here. Just remember that you are never to market or try to sell anything on this page. This is just to inform. You can sell from your blog site and you can move people between the two seasons freely.

When you are brand marketing online, you are selling yourself at the same time as you are mentioning your business. It is important to become a person in the eyes of your customers. As they get to know you, they will begin to trust you and your judgment. That is important to any sales relationship. So no matter what it is you are trying to sell these three tools, if used properly, will make all the difference to your success. The largest factor to consider now is the education on how to best use these tools. Finding a solid marketing and mentoring group will make it easier to accomplish your marketing goals.