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A Look at the Different Types of Credit Pulls

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A Look at the Different Types of Credit Pulls

The average credit score in the U.S. is 698, which is considered good on most credit-rating scales.

Your credit score matters when borrowing money or acquiring a new credit card, but getting credit often requires a credit pull. What is a credit pull, you might wonder?

A credit pull is something that lenders do when evaluating your loan application, and it can affect your credit score. There are several types of credit pulls.

If you’re curious about the different types, continue reading to learn more.

Hard Inquiries 

The first type of credit pull you might experience is a hard inquiry. A hard inquiry is something that creditors perform when people apply for loans.

For example, when you apply for a new credit card or loan, the lender will ask you to agree to a credit check. Lenders perform credit checks to determine if a person is creditworthy.

If you want to apply for a loan or credit card, you should understand how this works. You can use various tools to monitor your credit score. Additionally, you can use tools like Bento to improve your budgeting.

Soft Inquiries

The other common type of credit pull is a soft inquiry. Soft inquiries don’t cause any harm to borrowers, and they’re not what lenders use when people apply for loans.

Instead, lenders perform soft inquiries when they want to send invitations to people for credit card offers or loans. A lender can learn about a person’s credit score through a soft inquiry, but it won’t affect their credit.

Hard inquiries are more consequential to your credit report than soft inquiries.

Effects of Credit Pulls on Your Score

How do credit pulls affect your score? As mentioned, soft inquiries do not affect your credit. Therefore, it doesn’t matter how many soft inquiries hit your credit report.

On the other hand, hard inquiries affect your credit report in several ways. First, a hard inquiry remains on your report for two years.

Secondly, when a lender makes a hard inquiry, it may slightly decrease your credit score.

Several factors affect your credit score, and new credit and hard inquiries affect 10% of your score. Therefore, each time you apply for a new loan or credit card, the hard inquiry the lender performs affects your credit.

As a result, you can protect your score by limiting the number of hard inquiries you experience. In addition, you must consent to a hard inquiry from a lender, which means you can control this factor.

Monitor Your Score to Improve It

Avoiding credit pulls can help you improve your score. But, you can also improve it by monitoring your score regularly and taking the correct steps.

A good credit score is essential for borrowing money or getting approved for credit cards. It’s also vital when renting an apartment. Therefore, you should look for ways to improve your score.

Did you enjoy this article? If so, feel free to look at others on our site.

What to Do When Your VHS Tapes Get Wet

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What to Do When Your VHS Tapes Get Wet

VHS tapes, once the go-to video format for watching movies and home videos, have been all but replaced by digital formats such as DVD and BluRay. 

However, many of us still have VHS tapes that contain memories or important information. But with age often comes deterioration, and one thing that can quickly ruin a VHS tape is water damage.

In this article, we’ll look at how to prevent water damage in your VHS tapes, as well as how to convert old VHS tapes into a digital format with the help of a professional VHS conversion service such as Capture.

VHS Tapes Are Prone to Water Damage 

VHS tapes are quite susceptible to water damage because they are made of magnetic strips on a thin plastic film. If the strips become damp, they will corrode and no longer be able to store information. 

Also, liquids can cause mold or mildew on the tape. This makes it difficult to access the content and could potentially ruin your memories forever.

What Should You Do When Your Old VHS Tapes Get Wet? 

If you find that your VHS tapes have gotten wet, it’s important to act quickly. First and foremost, you need to know what kind of liquid has gotten into the tapes so you can figure out how to proceed.

If it is a clear liquid such as water, then the steps for drying are fairly straightforward: Take the tape out of its original case, remove any excess liquid with a paper towel, and then let the reels air dry.

If it is an oily or sticky substance, however, you should clean it off immediately before attempting to dry the tapes. Make sure that whatever cleaning material you use is suitable for plastic surfaces; never use alcohol as this could damage the tape.

Once the reels are dry, you should be able to put them back into the original case and store them in a cool, dry place. This will help prevent further damage and keep your memories safe for a time. 

Damage-Proof Your Memories 

The best way to protect your old VHS tapes is to convert them into a digital format. This will allow you to store your memories and access them anytime, anywhere. Plus, it also means you won’t need to worry about water damage or any other kind of deterioration.

Capture is an excellent choice for digitizing VHS tapes since they offer a comprehensive VHS conversion service that takes the guesswork out of the process. All you need to do is send your tapes to them, and they will convert them into a digital format for you.

Using the latest high-quality technology and techniques, Capture will convert your tapes into MP4, AVI, or MOV files that you can store on an external hard drive or even on cloud storage. This is a great long-term solution since digital formats are not prone to deterioration like VHS tapes are. 

Plus, you’ll be able to access the files from any device, so you can share them with family and friends around the world.

In Conclusion 

Protecting VHS tapes from water damage is essential if you want to keep your memories safe and accessible for a long time. 

To convert those tapes into digital files, the VHS conversion service by Capture is a great choice. They’ll convert your old VHS tapes into digital formats with the utmost precision and care. 

This will allow you to store your memories on an external hard drive or cloud storage, ensuring they are always accessible and damage proofed. So don’t wait — convert those old tapes today and keep your legacy alive forever!

Are You at Risk for Alzheimer’s Disease?

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Are You at Risk for Alzheimer’s Disease?

Alzheimer’s is a serious disease that can affect anyone.

Alzheimer’s disease is a serious degenerative neurological disorder that can affect adults of any age. While it is most commonly diagnosed in people over the age of 65, early-onset Alzheimer’s can develop in people as young as 40. The disease is characterized by a gradual decline in cognitive function as well as changes in behavior and mood. Early symptoms of Alzheimer’s include memory loss, difficulty planning and carrying out tasks, and confusion. As the disease progresses, patients may experience hallucinations, delusions, and extreme paranoia. There is currently no cure for Alzheimer’s, and the disease eventually leads to death. But there are treatments that can help slow the disease’s progress and make life better for both the person with the disease and the people who care for them.

There are ways to reduce your risk of developing Alzheimer’s.

While there is no sure way to prevent the disease, there are steps that you can take to reduce your risk. For example, research has shown that staying mentally active and engaged can help to keep your brain healthy as you age. Additionally, maintaining a healthy lifestyle by eating nutritious foods and exercising regularly can also help to reduce your risk. Finally, staying socially connected and involved in your community can also help protect your cognitive health. By taking these steps, you can give yourself the best chance of preventing Alzheimer’s disease.

If you have Alzheimer’s in your family, there are steps you can take to help support your loved one.

While there is currently no cure for Alzheimer’s disease, there are steps that can be taken to help support a loved one who has been diagnosed. One of the most important things you can do is to provide emotional support. This disease can be incredibly isolating, so it’s important to be there for your loved ones as they navigate this new reality. It’s also important to be patient and understand that they may not be able to communicate as clearly as they once could. In addition, you can help by providing practical assistance, such as helping with household tasks or providing transportation to appointments. By taking these steps, you can help your loved one live a fuller life despite the challenges of Alzheimer’s disease.

Early diagnosis is key to getting the best treatment possible.

Early diagnosis is critical to getting the best possible treatment. Unfortunately, Alzheimer’s can be difficult to diagnose in its early stages because it often mimics other conditions, such as depression or normal age-related changes. However, some telltale signs may indicate Alzheimer’s, such as forgetting recent events or conversations, difficulty completing familiar tasks, and new problems with language. If you notice any of these changes in yourself or a loved one, it’s important to see a doctor for a complete evaluation. With early detection and treatment, people with Alzheimer’s can enjoy a better quality of life for a longer period of time.

There are many resources available for those affected by Alzheimer’s.

According to the Alzheimer’s Association, more than five million Americans are living with Alzheimer’s disease. As the population ages, that number is expected to rise to nearly 14 million by 2050. While there is no cure for Alzheimer’s, there are some resources available for those affected by the disease. The Alzheimer’s Association offers support groups and educational programs for both patients and caregivers and provides a 24/7 helpline for those in need of assistance. Additionally, many senior home care facilities in Rockville offer specialized programs for Alzheimer’s patients, providing a safe and supportive environment for those dealing with the disease. With the right resources, people with Alzheimer’s can continue to lead fulfilling lives.

What Do Product Liability Attorneys Do, and Should You Hire One?

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What Do Product Liability Attorneys Do, and Should You Hire One?

Your product is out there and in the hands of consumers. How do you protect your company if it causes harm to a consumer?

Defining the role of a product liability attorney helps keep your interests protected. You might wonder, what do product liability attorneys do?

Before marketing, creating, or shipping a product, understanding the legalities behind, is important to protecting a business. Below, you’ll see why hiring a product liability attorney is important for your future.

What Are Product Liability Attorneys

Product liability attorneys like Kartelolaw.com.au protect businesses from liability for defective products. Businesses can be held liable for injuries caused by their products.

Product liability attorneys can help businesses by:

  • reviewing product designs
  • identifying potential risks
  • representing businesses in court

What Product Liability Attorneys Do to Protect Your Business?

Product liability attorneys defend businesses against claims. This happens if they failed to warn consumers of the risks associated with using the product. In some cases, product liability attorneys may also help businesses to design products.

Product liability attorneys may work for a law firm that specializes in this type of law, or they may work for a general practice law firm.

When Should You Hire a Product Liability Attorney?

If you are a manufacturer or seller of products, you may want to consider hiring a product liability attorney to protect your business from liability claims. They ensure that your products are safe and compliant with product safety regulations.

Product liability cases can be complex. That is why it is important to hire an experienced attorney who has successfully handled similar cases in the past. If you are considering hiring a product liability attorney, you should first schedule a consultation to discuss your case and determine whether or not you have a valid claim.

Whether or not you should hire a product liability attorney to protect your business depends on the size and type of your business and the products that you sell.

If you sell products that are likely to cause harm, if you have a large volume of sales, or if you sell products in a highly regulated industry, you should consider hiring a product liability attorney.

Why Safeguard Your Business Legally?

There are several reasons why you should safeguard your business. It is important to protect your business legally from product liabilities. You can help your business avoid financial losses.

If your business is not properly protected, you could be liable for damages incurred by your employees or customers. Finally, safeguarding your business can help you maintain a good reputation. If your business is not properly protected, you could be at risk of negative publicity.

Find the Best Product Liability Attorneys

Product liability attorneys help businesses by ensuring that their products are safe. This is done by investigating and taking action against businesses that make and sell defective products.

You should hire a product liability attorney to protect your business. 

Do you need more information about product liability attorneys? Browse more content on our blog.

 

Granite countertops – Things you must know

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Granite countertops – Things you must know

Durability, aesthetics, low maintenance, and sustainability are the most important reasons why granite countertops have become the most popular choice among the home owners. Now, you are of the same thought, and you are planning to install granite countertops. That’s great news, but before you make a final decision, it is better to know a bit more about granite so that all your queries and doubts are cleared. According to Granite au Sommet, things you must know about granite countertops are mentioned below. Have a look to keep all the confusion at bay. 

  • Do you know that granite is a natural stone? Yes, it is, and this is the reason you can find it in unique patterns and colors. 
  • Are you worried about your countertops being cracked and chipped? If yes, no more worries, as the granite is considered to be one of the hardest substances, and can easily bear scratches and stains. 
  • Yes, maintaining granite countertops is quite easy, but still you must be careful about not placing any hot pans over the countertops. Also, regular maintenance with warm water will keep your kitchen fresh and clean with no stains on the surface. 
  • When it comes to granite, it is not cheap. And so you must be ready to make the investment. However, the cost may vary according to the colors or patterns you choose. Also, you must make sure that the installation process is done properly, and the installation can cost a huge sum too. 
  • Granite installation needs professional installation, as the process is quite complex. So, you must be ready to keep aside some time for the installation, and sometimes, if things get much more complicated, the process can even take several days. 

Summing Up

There is no doubt that granite countertops can prove to be the most durable and beautiful material for your kitchen, and now that you’re aware of all the essential information about granite, you can go for it. However, before you make a final decision, it is important to get in touch with professionals to get an idea about the investment and if you will be able to afford it. The upfront cost can be a bit high, but it is actually worth it, get in touch with the most reputed store, and they will help you clear all the queries you have. 

How Do I Choose and Hire the Best SEO Company in My Local Area?

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How Do I Choose and Hire the Best SEO Company in My Local Area?

About 68% of online activities start with a search engine.

That means if you’re not visible on search engines your potential customers are going to have a tough time finding you. And let’s face it: if they can’t find you, they can’t do business with you.

SEO can help in these situations. SEO is short for “Search Engine Optimization.” It’s the process of making your website more visible on search engine results pages (SERPs).

But what if you’re not familiar with SEO? Or, what if you don’t have the time to invest in SEO yourself? That’s where hiring an SEO company comes in.

But, not all SEO companies are created equal. There are a lot of fly-by-night SEO companies out there that will take your money and run.

So, how do you choose and hire the best SEO company in your area? Here are the tips:

Assess Your Business Marketing Goals

Before rushing out to hire an SEO company, it’s essential to take a step back and assess your business marketing goals. What are your overall objectives? What are your specific goals for SEO?

Are you looking to increase brand awareness? Drive more traffic to your website? Improve conversions and sales?

Once you know what you want to achieve, you can start narrowing down your options and look for an agency specializing in achieving those results.

Ask for Recommendations

One of the best ways to find a reliable SEO company is to ask for recommendations from other business owners in your industry or network. If someone you trust has had a positive experience with an SEO company, it’s likely to be a good fit for you as well.

You can also search online for lists of top-rated SEO companies or ask SEO experts for their recommendations. This can be a great way to get started, but it’s essential to do your own research. Make sure the company you choose is a good fit for your business.

However, be careful of taking recommendations from companies that are not in your industry or sector. The best SEO practices for one type of business may not be suitable for another.

For example, an eCommerce website will have different SEO needs than a service-based website. So it’s important to ensure that the company you’re considering is experienced in working with businesses similar to yours.

Check Their Portfolio

When considering an SEO company, it’s essential to look at their previous work and see if it aligns with your vision for your website.

A good company will have a portfolio of successful projects that they’ve worked on. Additionally, they should show you examples of their previous work.

If they can’t provide you with a portfolio or examples of their work, that’s a red flag. This could mean they’re a new company or don’t have the skills and experience necessary to help you achieve your goals.

When looking at a company’s portfolio, pay attention to the results they achieved for their clients. Did they help them increase traffic and improve their search engine rankings? Did they increase leads and sales?

These are the results you should look for when choosing an SEO company. If they can’t provide evidence that they’ve helped their clients achieve tangible results, then they’re probably not the right choice for you.

Check Their Area of Specialties and Services

The best SEO companies will have a diverse set of skills and services that they can offer to their clients. Make sure that the company you are considering has experience in the type of marketing that you need.

For example, if you are a small business owner, you will want to look for an agency specializing in small business marketing.  This will ensure they have the knowledge and experience to help you grow your business.

You should also check to see if the company offers other services that could benefit your business. For example, some SEO companies also provide web design and development services.

This can be a great way to get all your marketing needs met by one company. With over 61% of marketers stating that growing their organic presence and SEO on their sites is their biggest priority, it’s no wonder that businesses are clamoring to find the best agency to do this for them.

If you want your business to be one of those that succeed in this digital age, then it is essential that you find an agency that can help you grow your online presence.

Innovative Marketing

The best SEO companies are always innovating and finding new ways to market their clients’ businesses. They should be able to show you a portfolio of their previous work and explain how they achieved the results they did.

They should also be able to tell you about any new and innovative marketing techniques they are currently using or plan on using in the future. This will give you a good idea of how they can help your business grow.

Don’t be afraid to ask them questions about their process and what they think makes their company the best. The best SEO companies will be more than happy to answer any questions you have.

Take your time and make sure you choose the best company for your needs. With a little research, you can find an amazing SEO company to help your business grow and succeed.

Check Out Their Client Testimonials and Reviews

Client testimonials and reviews will give you insight into whether or not the company has happy customers. If you see a lot of negative reviews, then you may want to steer clear of that company.

But, if you see mostly positive reviews with a few negative ones here and there, that’s usually a good sign. When reading online testimonials, keep an eye out for patterns. If you see the same complaints popping up repeatedly, that’s something to take note of.

Overall, client testimonials and reviews can help you get a general idea of the quality of work an SEO company provides.

Also, take a look at the types of companies they’ve worked with in the past. If they’ve only worked with large corporations, they may not be the best fit for your small business.

But, if they have a good mix of large and small clients, they’re probably a pretty good agency. You want to choose an agency that will be the best fit for your business.

Level of Experience

The best SEO agency will have a wealth of experience in their field of specialization. This isn’t always easy to quantify. However, you can often get a good sense by reading their case studies and looking at the results they’ve achieved for other clients.

You should also ask about the team members who will be working on your project and what their experience levels are. The most experienced SEO agencies will have a team of specialists in different areas. This is important because SEO is such a complex and ever-changing field.

You should also inquire about the company’s policy on continuing education and keeping up with the latest trends. You need to make sure that your agency is keeping up-to-date so they can apply the latest strategies and tactics to your campaign.

Research the Company’s Ethics

When you’re looking for an agency to partner with, it’s essential to ensure that their values align with yours. After all, you will be working closely together and entrusting them with a lot of responsibility.

They will also have access to sensitive information about your business, so you need to be sure that they can be trusted. A good way to get a sense of an agency’s character is to see how they operate in the wider world.

Do they have a good reputation? Are they transparent about their work and their results? Do they behave ethically in their business dealings?

Are they straightforward about their pricing? Do they have a good working relationship with their clients? These are all essential factors to consider.

You should also make sure that they have a good understanding of your business and your goals. They should be able to articulate this in a way that makes sense to you. If they can’t, it’s likely that they won’t be able to deliver the results you need.

You can also get a sense of an agency’s ethics by reading reviews from past clients. Look for red flags like complaints about communication or unrealistic promises.

Cost

Cost is always an important consideration when choosing any service. But it’s especially important when choosing an SEO agency because there is such a wide range in pricing.

You could easily end up paying five times as much for one company as you would for another and get the same results. Before you start looking at prices, you need to clearly understand your budget and what you’re hoping to achieve.

Take time to evaluate your business’s SEO marketing needs and set aside a budget. Once you understand what you need, you can start shopping around for an agency that fits your budget.

However, don’t make the mistake of thinking that the most expensive company is always the best. Likewise, the cheapest company isn’t necessarily the worst. The important thing is to find an agency that offers good value for your money.

To do this, you need to look at the results they’ve achieved for other clients and compare them to their price. If they’re consistently achieving great results but have a lower price point, then they’re probably a good value.

On the other hand, if they have a high price point but don’t seem to get results for their clients, you might want to look elsewhere.

Location

When it comes to SEO companies, location isn’t nearly as important as it is for other businesses. An SEO agency can be located anywhere in the world and still do a great job for a local company.

That being said, there are still some advantages to working with a company located near you. For one, it’s easier to meet in person to discuss your project. And if you ever need to visit their office for any reason, it’s much more convenient.

Additionally, working with a local company supports the businesses in your community. So if you can work with a local SEO company, it’s probably the best choice. But ultimately, the most important thing is finding an agency you can trust to do a great job.

Schedule a Consultation Call

The best way to find the right SEO company for your business is to schedule a consultation call. This will allow you to discuss your business, marketing efforts, and goals with a potential SEO partner.

It’s crucial to find an SEO company that is familiar with your industry and can provide tailored services to help you reach your target audience. During your consultation call, be sure to ask about the company’s experience with businesses like yours.

You should also inquire about the company’s process for optimizing websites and ask to see examples of their work. This will help you get a better understanding of what to expect from working with an SEO partner.

Finally, ensure you check how the company’s representatives answer your questions. They should be knowledgeable and able to provide clear and concise answers.

If you’re satisfied with the company’s responses, schedule a follow-up meeting to discuss your project in more detail. This will help you get started on the right foot with your new SEO partner.

Hire the Best SEO Company Today

If you’re serious about wanting to improve your business’s online visibility and organic search rankings, then you need to hire an experienced and reputable SEO company. But with so many companies out there to choose from, ensure you follow the above tips to make the best decision for your business.

This is a big decision for any business owner, but it’s one that can significantly improve your marketing efforts and overall online presence. So don’t delay; hire the best SEO company today and see the amazing results for yourself.

Did you enjoy this article? Check out other posts on our site for more informative tips

3 Expert Tips for Hiring a DUI Attorney

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3 Expert Tips for Hiring a DUI Attorney

 

In the United States in 2016, more than one million drivers were arrested for driving under the influence (DUI) of alcohol or narcotics, according to the CDC. It’s a remarkably common crime and could happen to anyone making a bad decision on the wrong night.

If you’ve found yourself facing a DUI charge, the first step is to seek out a DUI attorney. Make sure you protect yourself in the best way possible by finding the right lawyer for you. Here are three tips on finding the best DUI lawyer.

Be Honest About Your Circumstances

It’s common in these situations to want to put your head in the sand and ignore a stressful situation. If you do that, you’ll be doing yourself a disservice.

Make sure that you don’t leave finding a DUI lawyer to the last minute. Deciding in a rush will mean you won’t have access to all the information you need.

It’s also a bad idea to consider representing yourself. Although you are entitled to represent yourself, preparing for a trial is a complicated business during an already stressful time.

It’s far better to leave it to professionals and listen to the advice of those around you, without letting your pride get in the way. Be honest with yourself and others to get the best possible defence.

Make the Most of Free DUI Attorney Consultations

The next one of our DUI tips is to set up several free consultations with lawyers. Most lawyers will offer a free call or in-person meeting, where you can get to know them and ask questions about their approach.

Getting a DUI could land you up to a year in jail, depending on the circumstances. You have the right to a fair trial and the best defence available. 

That’s why meeting with lawyers ahead of time is vital to make sure you trust them to give you a solid defence. Most lawyers’ websites will look much the same as the other, but you can really get a feel for their approach when speaking face-to-face.

Take Your Time Making a Decision

Finally, don’t make a decision in a rush. While everything might feel urgent right now, it’s also important to pick a lawyer that you have confidence in.

Take time to consider online reviews of their services, the size of the firm, and how well you get on with them personally. All of these factors will affect how well they will perform as a lawyer, so don’t rush into a decision that you’re not comfortable with.

Final Thoughts

With these tips in your back pocket, you’ll have the best DUI attorney possible. Times like these are certainly stressful, so having the right person on your side is vital.

Browse the law section of our website for more tips and advice on legal defense. You never know when it might come in useful.

 

Motorcycle Insurance: Everything You Need to Know

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Motorcycle Insurance: Everything You Need to Know

NHTSA released a report stating that motorcycle riders are 28 times more likely to die in a collision compared to other vehicles. Additionally, the number of riders killed in crashes in 2020 was a shocking 5,579. This is the highest increase recorded since recording data started.

If these statistics prove anything, it’s that motorcycle insurance will be needed.

What is Motorcycle Insurance?

Motorcycle insurance is a kind of vehicle insurance that covers damages, injuries, or cases of stolen vehicles. In most states in the U.S., motorcycle insurance is a legal requirement.

Types of Motorcycle Insurance Coverage

There are different types of coverage a motorcycle rider should consider. It is always important for riders to know the type of insurance policy they need.

Below are some types of motorcycle coverage.

Liability Insurance

A liability insurance policy focuses on bodily injury and property damage caused to other people by the rider. It does not include injuries and injuries sustained by the rider and motorcycle.

Some state laws may also provide Guest Passenger Liability to riders. This is intended to cover a passenger injured on a motorcycle.

Collision Coverage

Collision Coverage covers damages to the rider’s motorcycle after an accident. The insurance company covers damages incurred under this insurance and will pay for the damages, regardless of who is responsible for the collision.

Comprehensive Coverage

Comprehensive coverage pays for other damages which were not caused by road accidents. These damages may result from fire, vandalism, theft, or flooding. It is a full-coverage policy.

Personal Injury Protection

Many people refer to this policy as PIP insurance. It covers the injuries of the rider and passenger(s), irrespective of who caused the accident.

Uninsured/underinsured Motorist Coverage

Uninsured/underinsured motorist coverage covers the rider’s losses if the driver who caused the collision does not have insurance.

Coverage For Customized Motorcycle Parts

This protection covers accessories added to the motorcycle by the owner. These parts are different from the custom, factory parts that came with the motorcycle.

State Requirements For Motorcycle Coverage

Different states have their mandatory minimum for liability coverage. Three numbers usually depict this. For example, New York’s motorcycle insurance is 25/50/10.

25 represents $25,000, the maximum amount an insurer pays to an injured person when the rider is at fault.

$50,000 represents the maximum amount the insurance company pays for claims filed on behalf of two or more people in one accident

$5,000 is the maximum amount the carrier covers for a property damage claim from a single accident.

Is Motorcycle Insurance Affordable?

The price of motorcycle insurance differs according to different factors. Some factors are age and riding experience, residence, type of bike, and frequency of use.

Other factors include where the motorcycle is parked, speeding and traffic tickets, accident and claims history, credit rating, type of coverage, and amount of deductible.

How Much is Motorcycle Insurance Advisable?

Most states require motorcyclists to have at least some liability insurance. This is, however, to enable them to operate their motorcycles legally. Nevertheless, experts advise motorcyclists to consider getting additional coverage to ensure they are adequately protected.

As expected, full coverage policies cost more than liability-only plans. This means that the more coverage you need, the more you will have to pay. “Despite the expense, paying for more coverage can be a smart decision as it ensures better financial protection, which could help you save money,” says attorney Jeffrey Lowenthal of Lowenthal and Abrams Injury Attorneys.

7 Recommended Tourist Attractions in Bintan, Riau Islands

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7 Recommended Tourist Attractions in Bintan, Riau Islands

Bintan, commonly referred to as the Bintan Archipelago, is the largest island in the Riau Archipelago is located close to Singapore and Johor Baru, Malaysia. The government of Bintan Regency is based in Bandar Sri Bintan. This city used to be a favorite place for Indian and Chinese merchant ships.

The breadth of the sea or beach area in this district makes Bintan Resort a mainstay destination for tourists. Its beautiful natural conditions are very suitable for relaxing and vacation to enjoy various interesting tourist activities. The following are seven recommended tourist attractions for those of you who want to vacation in Bintan:

Blue Lake

Blue Lake is a lake that emerged from sand mining activities. The land where the sand was dredged creates a basin, and eventually a lake with clean water is formed. This lake is a new tourist destination in Bintan because the government only inaugurated it in 2017.

Tourists can relax by the lake by doing sightseeing while chatting with relatives, partners, or friends. There are many food vendors near the lake. Facilities such as places of worship to public toilets are also available so that visitors feel comfortable. If you are bored, tourists can rent rafts, canoes, and ATVs to get around the lake.

Port of Bandar Bentan Telani

The next Bintan tourist spot is the Port of Bandar Bentan Telani which is still in the beautiful beach area in Bintan because this city has a series of beaches that are a pity to miss. The beauty of this place is like heaven on earth that makes us forget all the burdens we feel. This is because the location is on an island that connects with Tanah Merah Singapore, so getting to Tanah Merah only takes 1 hour.

The port is operated by Bintan Resort Ferries which provides up to 42 crossings per week. Crossing from here will provide an exciting and fun sensation, especially the charming sea view. In addition to enjoying the exotic sea views, we can also hunt for cool photo spots with beautiful sea and mountain views as the background.

Bukit Pasir Busung

Bukit Pasir Busung are located in Busung Village. Just like Blue Lake, this tourist destination was also formed due to sand mining activities. The difference is that mining activities are no longer active in Bukit Pasir Busung.

This hill has a view like the desert in the Middle East there. This view is unique because Bintan is famous for its blue beaches. To get there, it takes an hour’s journey from the city center.

Tourists should come during the dry season to get a beautiful view in the afternoon because the air and sun are not too hot. By looking for a good pose, you will get photos like in the desert.

Crystal Lagoon

Crystal Lagoon seems to be an unexpected treasure for Bintan. How come? The swimming pool located in Sebong Lagoi Bay is lined up as the largest swimming pool in Southeast Asia, with a swimming pool area of ​​up to 600 hectares. The pool water itself is filtered seawater.

Tourists must pay an entrance ticket of IDR 100,000. For those who like to swim, Crystal Lagoon is certainly a very pleasant destination. However, for those who are tired of swimming, here are also available for renting some water games such as Frisbee with a rental price of Rp. 20,000 per hour to jetovators which can be rented per 30 minutes at a price of Rp. 2,100,000.

White Sands Island

White Sands Island, also known as the Sand-Based Island, is located in Mangrove Bay. Visiting this island is like visiting a private island because the atmosphere is very quiet and indeed uninhabited.

Providing views of white sand with clear sea waters, this island is a must-visit when it comes to Bintan. Besides relaxing in peace, tourists can also enjoy snorkeling to see marine life there, do volleyball, and go camping.

Mangrove forest

Bintan is not only rich in marine tourism. On this island, there is also a mangrove forest which is soothing to the eyes. This forest, located in Sebong Lagoi, turns out to be the largest and most complete tobacco forest in Southeast Asia. To get around the forest, tourists can enjoy the forest with two alternatives. The first option is to walk along the available wooden bridge. The second option is to travel around the forest using boats that are widely rented there.

Along the way around the forest, tourists will be treated to the presence of various forest animals, such as monkeys, birds, to snakes. Take it easy, there is a guide who will explain about the forest so that tourists get a lot of knowledge during the tour.

Mount Bintan Waterfall

Besides having beautiful mangrove forests, Bintan also has a tourist destination in the form of waterfalls. It is located in Bekapur Village, Bintan Buyu Village, Teluk Bintan District. Its name is Gunung Bintan Waterfall. Tourists can enter here by paying a ticket for IDR 10,000.

To be able to enjoy the beautiful flow of the waterfall, tourists must walk as far as 300 meters from the vehicle parking location. Among the cliffs and lush trees, we will find a very beautiful oasis with the clarity and freshness of the water tempting anyone to immediately play in the water.

It turns out, Bintan does have a lot of wealth of tourist destinations, yes. Starting from the swimming pool to the soothing mangrove forest, this island has earned the largest tourist destination in Southeast Asia and makes Indonesia proud. Not surprisingly, Bintan gets a lot of visits from local and foreign tourists. However, don’t forget, while enjoying the tour, also keep the destination beautiful and well-maintained!

Are you planning to visit Bintan soon? Find out more about Bintan and Indonesia by visiting Wonderful Indonesia.

Trends and Shifts in Divorce Rates in the United States

Josephc
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Trends and Shifts in Divorce Rates in the United States

There has been a change in the rate and ease with which marriages end in the United States. It began in the second half of the 20th century when no-fault divorce laws entered many states’ constitutions. These no-fault divorce laws made it easy to end a marriage, and several states adopted them throughout the 60s and 70s.

Meanwhile, the change in cultural and social attitudes has created situations where people can start a family without getting married. Individuals can cohabit, combine their finances, and raise children before, or without, getting married. This change has also affected the rate of married couples staying together and reduced the number of marriages overall.

Trends in Marriage and Divorce: How Have Social Shifts Reshaped Marriage?

Marriage and divorce in the United States are different today than in earlier years. Several social, legal, and economic shifts have contributed to reshaping marriage, starting from the second half of the 20th century. First, after World War II, more women became employed, thus gaining sufficient financial security and independence without marriage.

Furthermore, young people are now choosing postsecondary educational attainment and career development over getting married. The decline in the overall rate at which marriages occur is due to these trends. As of now, only six-and-half marriages occur per one thousand people yearly, which is low compared to five decades ago.

Also, the median age of first marriage for people who choose to get married has changed. In 2018, the median age was 28.8, whereas it was only 22 in the early 1970s. Individuals who decide to get married are doing it later than they used to.

Additionally, the trends in marriage have also affected the likelihood of married couples staying together. Women are now working and obtaining for themselves outside of marriage instead of relying on husbands. For instance, women are entering the workforce, and the prominence of feminism and the sexual revolution increased divorce rates.

Today, the divorce rate is 2.9 per 1,000 people compared to 5.2 between 1960 and 1980. This divorce rate began dropping after 1980, when these shifts began to take hold.

Top 10 U.S. Cities with the Highest Divorce Rates

Undoubtedly, there is a relationship between the age of first marriage and divorce rates. This link explains the differences in divorce rates between one geographic area and another. For example, most U.S. states with low divorce rates have a higher median age for a first marriage.

Some states stand out among the others with having fewer divorced adults and the age of first marriage over thirty. These states include Massachusetts, New Jersey, California, and New York. At 25.5, Utah has the lowest median age for first marriage, which also means it has the third-lowest divorce rates.

Below are the statistics of the top ten cities with the highest divorce rates in the United States:

  1. Albuquerque, NM – 15.2 percent divorced adults, 1.4 percent separated adults, 39.8 percent married, and 38.2 percent never married.
  2. Tulsa, OK – 14.6 percent divorced, 2.5 percent separated, 42.2 percent married, and 34.7 percent never married.
  3. Tucson, AZ – 14.3 percent divorced, 2.3 percent separated, 35.7 percent married, and 42.5 percent never married.
  4. Jacksonville, FL – 14.0 percent divorced, 2.2 percent separated, 42.3 percent married, and 35.8 percent never married.
  5. Las Vegas, NV – 13.8 percent divorced, 2.0 percent separated, 43.8 percent married, and 35.3 percent never married.
  6. Miami, FL – 13.5 percent divorced, 3.5 percent separated, 36.8 percent married, and 39.8 percent never married.
  7. Cleveland, OH – 13.5 percent divorced, 3.4 percent separated, 24.7 percent married, and 52.3 percent never married.
  8. Tampa, FL – 13.5 percent divorced, 2.4 percent separated, 38.5 percent married, and 40.5 percent never married.
  9. Wichita, KS – 13.5 percent divorced, 1.9 percent separated, 45.9 percent married, and 33.4 percent never married.
  10.  Kansas City, MO – 13.3 percent divorced, 2.2 percent separated, 39.7 percent married, and 39.7 percent never married.

 

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