Part of being a motorcycle owner means induction into a select society. And as is the case with any culture, there are a few wardrobe requirements that set its members off from the rest of society. Female bikers have a lot of versatility when it comes to their wardrobe, but some basics never change. Here are some simple steps to help you look the part and master the art of biker chick fashion.
First, remember that you can never go wrong with, or have enough, leather. Long hailed as the hallmark of any motoring outfit, leather pulls double duty in that it keeps you safe on the road and helps you look your biker best. Buy pieces such as a vest, boots, belt, a pair of tight pants, and most importantly, a jacket. The traditional color is black, but feel free to branch out to a little red or hot pink here and there.
If possible, get yourself inked. A tattoo--or three--shows your tough biker side. Popular options more biker chicks include classic pin-up girls, thorny roses, and sword impaled hearts. Tattoos are not just for men, and the themes you can choose from are endless.
Next, wear dark sunglasses. Like leather clothes, sunglasses not only make you look cool, but they are also functional. Shades protect you from the sun, wind, and bugs, and they help preserve your eye makeup.
Another important aspect of biker chick fashion is the hair. If you aren't already blonde, bleach your hair and hold it back with an American flag bandanna. Keep your hairstyle simple, but something that looks good when you take off your helmet. Keeping a comb and hairspray in your saddle bag ensures a quick fix when the helmet comes off.
And finally, accessorize your look with silver jewelry, leather wristcuffs, a big belt buckle and red fingernail polish.
Once you have these basics down, you are ready to move on to making a biker fashion of your own!
GR Harley (http://grharley.com) offers a classic Harley Davidson women's leather jacket that will keep you riding in style. Rachel Spohn is a freelance writer.
Article Source: http://EzineArticles.com/?expert=Rachel_Spohn
Tuesday, November 3, 2009
Monday, November 2, 2009
Don't Get Upside Down On Your Motorcycle Loan
When I was in the automotive industry I saw the extension of car loans going into 54, then 60, then 72 months and with the extension of the loan installments came the inevitable negative equity. In general the longer the term you finance for the more likely you are to find yourself "upside down". The motorcycle industry is no stranger to this as well and recently with the motorcycle finance companies offering loans that extend payments out as far as 72 months the problem is just getting worse. This is even more common with motorcycles that depreciate rapidly.
Just as with automotive loans when you extend the payments out over more than three years you begin to put yourself in a situation where your debt exceeds the value of your motorcycle. This is even more true if you do not put money down or even worse if you trade in a bike that you still owe on.
But how does this happen and what can be done to prevent it?
To begin with you need to look at the way the lender determines the interest. Some lenders use the rule of 78 in which you will be paying almost all interest at the beginning of the loan and then you have the other more preferable method of simple interest.
With an installment plan set up on a rule of 78 interest calculation you will be paying almost pure interest for the first couple of years and therefore will have virtually nothing in the way of equity. When you consider that statistically the average motorcycle owner trades bikes more often than every two years you can begin to see how this can be a problem.
The interest computation of choice is simple interest; as a matter of fact I personally would accept no other option. The way simple interest works is that it is calculated on the balance of the loan and if you keep the length of the loan at a reasonable time frame you will not run into the negative equity problem. If you extend the payments out over more than four years you will still get yourself in trouble just as you will if you skip payments.
If you have found yourself in a negative equity or upside down situation with your motorcycle don't feel like there is no way out. A lot of people just give up and allow their bike to be repossessed and sold off at auction which just exacerbates their problem, now you owe money on a bike that you don't have and can't ride!
To avoid being caught in the "upside down" predicament on your motorcycle always look for a lender that will give you a simple interest loan on your bike. Secondly, always put some money down upfront to reduce the payments and the terms. Finally, never finance your motorcycle purchase over more than three years. by teahupoo
Just as with automotive loans when you extend the payments out over more than three years you begin to put yourself in a situation where your debt exceeds the value of your motorcycle. This is even more true if you do not put money down or even worse if you trade in a bike that you still owe on.
But how does this happen and what can be done to prevent it?
To begin with you need to look at the way the lender determines the interest. Some lenders use the rule of 78 in which you will be paying almost all interest at the beginning of the loan and then you have the other more preferable method of simple interest.
With an installment plan set up on a rule of 78 interest calculation you will be paying almost pure interest for the first couple of years and therefore will have virtually nothing in the way of equity. When you consider that statistically the average motorcycle owner trades bikes more often than every two years you can begin to see how this can be a problem.
The interest computation of choice is simple interest; as a matter of fact I personally would accept no other option. The way simple interest works is that it is calculated on the balance of the loan and if you keep the length of the loan at a reasonable time frame you will not run into the negative equity problem. If you extend the payments out over more than four years you will still get yourself in trouble just as you will if you skip payments.
If you have found yourself in a negative equity or upside down situation with your motorcycle don't feel like there is no way out. A lot of people just give up and allow their bike to be repossessed and sold off at auction which just exacerbates their problem, now you owe money on a bike that you don't have and can't ride!
To avoid being caught in the "upside down" predicament on your motorcycle always look for a lender that will give you a simple interest loan on your bike. Secondly, always put some money down upfront to reduce the payments and the terms. Finally, never finance your motorcycle purchase over more than three years. by teahupoo
Sunday, November 1, 2009
Some Ways To Make Your Harley Match Your Personality
I like to observe other bikers and usually get a chuckle out of trying to match the biker to the bike. It's a fun pastime when we are sitting out on the deck on Sundays at Cocodries on Navarre Beach where they have a big biker party every Sunday. Oh, by the way Navarre Beach is in the Florida Panhandle!
Anyway, back to my story. I remember one biker in particular that was easy to match up to his bike. He was an older buy who looked like a mountain man with a huge long beard and everything he had on had fringe on it. Guess what? So did his bike!
There are many accessories that you can get to customize your motorcycle and make it more unique and original so that it doesn't have that straight off the showroom clinical look to it. I don't know about you, but the whole reason to own a Harley is to stand out from everyone else on the little rice rockets! You may have other reasons. You may want to add an accessory to your bike because it fits with you and your taste or for practical or functional needs like a luggage rack or a windshield.
Thank God that everyone has different tastes in choosing ways to customize their Harley. If not they would still all look the same and not only would it be self defeating but a waste of money as well.
Some people opt for minimal customization on their bike and others go all out. There really is no right or wrong, you just do what is right for you. After all it is your bike and your personality. Heck, I just saw one the other night that had blue neon lights all in the motor, it looked cool but I don't know that I would do it.
When it comes to deciding on how to choose accessories for your Harley, I would suggest that you decide on what you want out of your bike. Sit back and have a look at yourself. What kind of biker are you anyway?
If you are the speed demon show off type that wants everyone to see how fast his bike is you may want to look at getting your engine rebuilt for increased horsepower. You can never go wrong with a lot of Harley chrome either, that just says Harley and right when you think you have enough of chrome, you find some more in that motorcycle accessory catalog.
Almost every Harley Davidson motorcycle owner at some time or another has thought about adding an accessory to their bike. It isn't very often you see a stock Harley Davidson! Don't let yours be one. by teahupoo
Anyway, back to my story. I remember one biker in particular that was easy to match up to his bike. He was an older buy who looked like a mountain man with a huge long beard and everything he had on had fringe on it. Guess what? So did his bike!
There are many accessories that you can get to customize your motorcycle and make it more unique and original so that it doesn't have that straight off the showroom clinical look to it. I don't know about you, but the whole reason to own a Harley is to stand out from everyone else on the little rice rockets! You may have other reasons. You may want to add an accessory to your bike because it fits with you and your taste or for practical or functional needs like a luggage rack or a windshield.
Thank God that everyone has different tastes in choosing ways to customize their Harley. If not they would still all look the same and not only would it be self defeating but a waste of money as well.
Some people opt for minimal customization on their bike and others go all out. There really is no right or wrong, you just do what is right for you. After all it is your bike and your personality. Heck, I just saw one the other night that had blue neon lights all in the motor, it looked cool but I don't know that I would do it.
When it comes to deciding on how to choose accessories for your Harley, I would suggest that you decide on what you want out of your bike. Sit back and have a look at yourself. What kind of biker are you anyway?
If you are the speed demon show off type that wants everyone to see how fast his bike is you may want to look at getting your engine rebuilt for increased horsepower. You can never go wrong with a lot of Harley chrome either, that just says Harley and right when you think you have enough of chrome, you find some more in that motorcycle accessory catalog.
Almost every Harley Davidson motorcycle owner at some time or another has thought about adding an accessory to their bike. It isn't very often you see a stock Harley Davidson! Don't let yours be one. by teahupoo
Saturday, October 31, 2009
If you Drive a Motorcycle, You Need Motorcycle Insurance
Automobile insurance is very important. Most people know this and understand this. Insurance is meant to protect you, your property as well as other people and other property that you may damage in an accident. There are different kinds of insurance that cover different things but even the mot basic insurance is better than none at all.
Since insurance is so important to motor vehicles, you should also know that it is important to motorcycle riders as well. More and more people are filling the roads with motorcycles. It is a great, fast way to travel. Many people enjoy the open road and the freedom. Many people find it cheaper than driving a car. Whatever the reasons for driving one, if you have a motorcycle, you need motorcycle insurance.
The good news is that more and more auto insurance companies are offering coverage to motorcycles now so it is not as hard or as expensive to get insurance. You can find free quotes from many common auto insurance companies.
You can get quotes online from many places like Progressive. Types of motorcycle coverage vary by state so you will have to look it up for your state to know exactly what kind of insurance is available to you and required by law.
Your coverage can also vary according to how your motorcycle is classified, just like with automobiles. There are cruisers, limited production cruisers, street sports, high performance, touring and more types. How your motorcycle classifies will affect your insurance as well as the other factors.
Your driving record can also affect your rates. There are some states that do not offer motorcycle insurance such as Massachusetts, Washington DC and New Jersey. You must check with the laws in your area. Most insurance companies can tell you the laws for your state if you do not know. Source: Free Articles by Hunter
Since insurance is so important to motor vehicles, you should also know that it is important to motorcycle riders as well. More and more people are filling the roads with motorcycles. It is a great, fast way to travel. Many people enjoy the open road and the freedom. Many people find it cheaper than driving a car. Whatever the reasons for driving one, if you have a motorcycle, you need motorcycle insurance.
The good news is that more and more auto insurance companies are offering coverage to motorcycles now so it is not as hard or as expensive to get insurance. You can find free quotes from many common auto insurance companies.
You can get quotes online from many places like Progressive. Types of motorcycle coverage vary by state so you will have to look it up for your state to know exactly what kind of insurance is available to you and required by law.
Your coverage can also vary according to how your motorcycle is classified, just like with automobiles. There are cruisers, limited production cruisers, street sports, high performance, touring and more types. How your motorcycle classifies will affect your insurance as well as the other factors.
Your driving record can also affect your rates. There are some states that do not offer motorcycle insurance such as Massachusetts, Washington DC and New Jersey. You must check with the laws in your area. Most insurance companies can tell you the laws for your state if you do not know. Source: Free Articles by Hunter
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