Tag: Personal

Some info on personal loans?

Question by Travis: Some info on personal loans?
This is a bit long, sorry.

So here’s the situation, I asked a question previously here about banks vs finance companies and people were dicks about it not answering the question, countering it with other questions, which I didn’t mind. so.. I’m a young adult, (19) trying to get a motorcycle, I currently have a motorcycle financed. but it’s small and I’m looking for something that can handle the highway better. so that’s what the personal loan is for, as someone on my last question asked, said it mattered. And yes, I can afford the insurance, as that’s the point of a personal loan instead of financing the bike.

so the thing is.. I applied by myself for a personal loan without a cosigner for 2708$ at my bank, they based that amount off of my income. my annual income is 15,000$ , my credit score is around 680. and nothing has been paid late. however. I was denied with the reason “not enough credit history” the bank suggested a cosigner, so I got a cosigner. and applied for 3500, once again. based off of our split income. (suggested by the bank) and I was again denied. they told me in 6 months to a year and a half I’d be able to get it on my own. whatever, that sucks. so I crunched numbers and have figured up. in a month from now I can come up with the majority of the money. however I’ll still be 1000-1500$ short.

So my question is, would I be more likely to get a personal loan for simply 1,000$ after have been being denied for a greater amount twice? I have to use my bank because the 3 finance companies near where I live were saying 23% interest minimum, with a car title AND atleast 50% of the loan worth in household appliances as..”insurance(?)”

People were saying how they sided with the bank, and how immature I am, and blah blah blah. I’ve looked at this from a lot of different angles and I understand it’s not life and death. but bikes are my hobby and it’s been a dream of mine since I was a child. Thanks!

Best answer:

Answer by bluebell
I’m surprised nobody mentioned credit unions to you. You join as a member, save some amount regularly for several weeks (in my credit union it is 10 weeks) and then you may apply for a loan. If you are looking for a smaller sum (like the $ 1000 you mentioned that you will need in a month’s time) they may let you apply for a loan quicker. Also, they won’t bleed you dry with their interest rates. Having a loan there and repaying it faithfully will also improve your credit score.

If you can just be $ 1000 short of the full price in a month, my other suggestion is to delay your purchase for 2 months, and by then you might have the full amount in cash. No interest to pay, but it won’t help your credit score either.

Know better? Leave your own answer in the comments!

I recommend these motorcycle insurance products

Bookmark and Share
Tags : , , ,

Motorcycle Accidents and Personal Injury Laws

Riding a motorcycle gives certain individuals an adrenaline rush. There’s nothing quite like cruising down the open highway riding a motorcycle. Sadly, motorcyclists pay a heavy price for their freedom: the number of motorcycle accidents and fatalities has been increasing steadily.

Reports show that 75 percent of road accidents involved a motorcycle and a passenger vehicle such as a car or truck. This is because car and truck drivers are often distracted and do not pay enough attention to passing motorcycles. Drivers of large vehicles often violate the motorcyclist’s right-of-way which can cause collisions. Though motorcyclists can protect themselves by sticking to traffic rules, wearing helmets and jackets, and avoiding lane cutting, they become victims when other drivers on the road become negligent.

Another road issue that often leads to motorcycle accidents is poor road design. Badly placed roadside lamp posts, signs, barriers, and fences are often placed in such inconspicuous ways on the road that motorcyclists cannot spot them until it is too late.

In an event of a road collision, many motorcyclists face terrible odds. The chances of suffering physical injury and paralysis are much higher for motorcyclists than other vehicle drivers. There are medical bills and insurance claims to worry about. If the other vehicle driver was negligent and is responsible for the accident then the plaintiff should hire an Oakland personal injury attorney to seek restitution or payment.

It is best to hire an Oakland motorcycle accident lawyer that specializes in the field of such vehicular accidents as they will have the expertise to handle the claim efficiently. This is because insurance companies want to settle for as little amount as possible. Without the expertise of a motorcycle accident attorney, these companies will use loopholes in the insurance policy to get plaintiffs to agree to a paltry sum of money. Furthermore, by gathering enough evidence to prove that the other vehicle driver was negligent, plaintiffs can bypass jury and judge prejudice that tends to label motorcyclists as reckless drivers.

Lastly, a good Oakland motorcycle accident lawyer will use a team to gather enough evidence to make the claim appear legitimate in court. They can interview eyewitnesses, take road samples in the accident site, and seek the advice of collision experts to create a cohesive picture in the courtroom.

If you have questions, please visit us at http://www.mastrangelolawoffices.com/ for complete details and answers.

Bookmark and Share
Tags : , , , ,

Motorbike Leather Jackets: Rider?s Personal Protective Equipment

The Motorbike usually pleases the eyes of human which stable the relative amount of cars and bikes in today’s life. People adjust their usual of living style quite habitually and bikes are also included in it. Youth usually like bikes because of the designs which make them fall in love with motor bikes. Adults wish bikes since they like control and they think that they can get to to their exact destiny in a very short indifference of time. In addition all this, it’s in our own hands how we make use of it. Bikes are pretty risky as it provides no covert which can save you if you have any kind of tragedy.

To make you sheltered, unusual companies are tiresome to make different supply which provides satisfactory protections for a person so that he can be saved or release from injuries which results to death. These days, the leather jackets which are celebrity made for riders usually contain armors filling on shoulders, elbows & back defend protection. While annoying these kinds of leather jackets people feel free from the graze.

The motorbike leather jackets are typically completed of cowhide skin. These Jackets are mostly used by the racers who suppose that it is safe for them from any tentative event. Bikers usually dispose for cowhide skin jackets as cowhide skin jackets are frequently flat and hard which makes them more truthful for the riders. The jacket also helps in winters as if riders feel cold while riding bike so it also helps in calming them because of leather biker jackets strength of cleverness and thickness. They are typically quilted polyester linen which gives you heat and it frequently has inside pockets so you can keep your capital along with you without the fashion of the jacket being luxurious.

Any jacket, let it be any corporation like Honda, Ferrari etc, you will always have independence to choose from many colors and styles to suit your .One can simply say that motorbike jackets have the credible which makes your body protected completely.

Charles Dusty works as a Designer for Daytona Jackets Inc. Having great passion about Biker Leather Jackets, Charles believes motorcycle leather jackets are one of the best protective equipment for bike riders.

Bookmark and Share
Tags : , , , , , ,

Personal Protective Motorcycle Equipment

Recent estimates indicate that a motorcyclist is sixteen times more likely to receive a serious injury during a crash than a car driver. Perhaps more shockingly a motorcyclist is more than twice as likely to receive a serious injury as a result of a road accident than a normal cyclist. For this reason personal protective gear is of high importance for any motorcyclist who takes his or her safety seriously.

The first and perhaps most important piece of protective equipment for a motorcyclist is the helmet. By law any rider or passenger on a motorbike within the UK must wear a helmet and so it is an essential purchase. There are many different styles of helmet generally fitting into one of five categories. There are full face helmets, off road helmets, flip up helmets, open face helmets and half helmets. Helmets are designed to protect the riders head from damage during a crash and some newer models also slightly protect the spine. A helmet is designed to break upon impact and thus expend energy which would otherwise go through the wearers head. There are several different materials which can be used when constructing a helmet but some of the more common are plastics, fibreglass, Kevlar and carbon fibre.

The next item of protective gear which all motorcyclists should own is biking gloves. Alpinestars are one of the leading brands providing motorcycle cloves with some of the more high quality ranges available. Alpinestars gloves are just one of the many suitable brands of protective gloves available on the market however and there are many styles to choose from. Biking gloves are predominantly made from leather and their original purpose was to keep the riders hands warm when riding there bike. In modern times however motorcycle gloves also provide protection for the riders hands with more physical protection. Many gloves are reinforced with strong materials such a Kevlar and some include carbon fibre knuckle protection.

The final item of protective gear which is of vital importance to any motorcycle rider is boots. Bike boots are a primarily used to protect the riders feet in the event of a crash, they are therefore made from tough semi-flexible materials. Bike boots are not just to protect the rider in the event of a crash they also provide substantial grip so that the rider can stabilise themselves when stationary and so that their feet are grounded on the pegs when riding. Furthermore the boots protect the rider from the hot parts of the bike when riding and reduce the risk of the rider burning themselves. Alpinestars Boots are just some of the great boots available on the market providing the appropriate amount of protection for any motorcyclists feet.
Purchasing personal protective equipment should be a priority for anyone thinking about riding a motorcycle. Having well fitting, quality protective gear can be the difference between life and death in the event of a road accident.

About Honda of Bournemouth: Located on the outskirts of Poole, Honda of Bournemouth offers everything youd expect from a modern Honda dealership. As well as Alpinestars gloves and Alpinestars Boots, we sell a huge range of top quality motorcycle clothing and helmets including a superb range of Arai helmets.

Bookmark and Share
Tags : , , ,