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How To Avoid Some Of The Biggest Mistakes When Looking For A Motorcycle Loan

When you're buying a motorcycle you need to know about bikes, but you also need to know about how to buy a bike, and that has nothing to do with engines and manufacturing. One important detail where a lot of people that purchase motorcycles go wrong is getting the right loan.

How much the loan agent is willing to loan you is a good way to figure out what kind of bike you can afford to buy. Prices vary a lot between different models, and at the beginning of the year when new models come out they are generally more expensive than at the end of the year when dealers are trying to get rid of old inventory to make space for the next year's models. But through all this one thing remains constant, and that is the fact that if you don't have the cash, you're going to need a loan. Don't fall for the tricks. Remember that you have alternatives to purchasing a loan from the dealer. Don't get caught up in the pressure to buy a bike and forget that this deal is really all about money. You can go to the bank, the Internet, or to a credit union and apply for a loan, so don't let anyone push you around.

The best thing you can do is shop around before you even go into the bike shop, so that you go in there knowing what you're working with. You are now in a position to fight for the best price, but if you don't know what your options are then you have to take the word of the person who is trying to sell you a loan. That is never a good idea.

There are many mistakes that people commonly make, and the person who gives you the loan is apt to make a lot of money off people who don't do their homework before signing on that dotted line. Here are some things to think about:

Be careful about reading the fine print. If there is a special low interest rate for a short period of time, but then the rate increases to a much higher rate (as with many credit cards) it is not advisable to take that deal unless you are surely able to pay off the loan before the high rate kicks in.

If you can't, it is probably a better idea to opt for a different kind of loan, even if you end up paying a higher interest rate. You don't want to get caught with that inflated interest rate at the end of the promotional period.

Another thing is to remember your budget. Don't borrow more than you can afford to borrow just so that you can have a shiny bike. Remember you're going to have to buy gas, insurance and pay for maintenance, and you have a life to live than involves other expenses as well.

Make sure you know what you're signing. There are a lot of loopholes that a layman misses the first time he reads a technical legal document, and lenders use these loopholes to get you to pay more than what you planned for. What is the time period of the term? Is the interest rate fixed, and if so is it permanently fixed? If not, when can it change and for what reasons? Does it have to be full coverage? What are the registration fees, and what other fees are there? Is there a late payment penalty? Does late payment affect the interest rate? Does the program use simple interest or the rule of 78?

Remember, what you don't know can really hurt your pocket and affect your way of life. It is worth the effort to do the extra research before going out there and buying a bike.


4x4: What You Need

Four wheel drive vehicles, or 4x4's as they are often referred to, offer you the opportunity to access places that are inaccessible to drivers of conventional vehicles with their great traction, ground clearance and power.

But no matter how great your 4x4 is, there will be times when you will need additional equipment to cope with particularly difficult situations or terrain. Even the most cautious driver in the world's best 4x4 can sometimes misread a situation and get stuck or bogged.

In situations like these an electric or hand operated winch can be a lifesaver. Securely fitted to the 4x4 bumper, the steel cable can be used to pull the vehicle out of a deep mudhole or patch of sand, provided the end of the cable can be attached to a tree or rock. Along with the winch, you'll do well to add a tree strap, to protect the tree from the cable, a pair of sturdy gloves to protect your hands and shackles to hook everything together.

Other recovery tools you should consider especially if you intend to travel into really rugged terrain, include a ground anchor, for situations where there is no obliging tree close at hand, and a good jack.

Although the jack supplied with your 4x4 will do the job on most occasions, a high-lift jack will often get you out of a deep pothole, while the ingenious exhaust jack uses the 4x4's exhaust to inflate a rubber envelope to raise the vehicle. South Africa, with prolific wildlife, mountains, deserts and forests, is one of the world's top destinations for 4x4 enthusiasts, and whether you pick a short trail or a long expedition, there are almost unlimited opportunities for 4x4 excitement with literally hundreds of 4x4 trails in every province. Two of the best trails in South Africa are the Boegoeberg trail, just over two hours drive from Cape Town, and the Marakele 4x4 Eco Trail in the Waterberg region, Limpopo.

The Boegoeberg trail covers terrain between the Cederberg Mountains and the Atlantic Ocean. The comprehensively signposted trail and stunning views including GPS waypoints, will take a full day to traverse and requires some 4x4 experience,.

The Marakele trail is longer and is a three-day, two-night experience following tracks in the Marakele National Park on the Waterberg Mountains. Only 4x4 vehicles are allowed on the trail, with a maximum of five vehicles plus a guide vehicle on the trail at any one time. These are just two of the hundreds of 4x4 trails waiting for you and your 4x4, so what are you waiting for? Start your engines!


Testing the Terrain with ATVs

Throughout the years all terrain vehicles, ATVs, have become increasingly popular among a diverse audience of supporters. The growing popularity can most likely be attributed to the discovery of the wide range of tasks ATVs can perform. ATVs were made for the purpose of riding through rough terrain and their compact design, compared to trucks and sport utility vehicles, allows drivers to take them nearly anywhere off road.

Even you may find how helpful an ATV can be for your uses. (see http://www.atv-parts-n-accessories.com/atv_shoppers_guide.htm) Initially people thought ATVs were only for recreational off roading; however, ATVs have become widely used as utility vehicles as well. If you are a farmer or a rancher, you have a lot of ground to cover each day to keep your property running smoothly.

Modern farmers and ranchers have discovered the efficiency of using ATVs as utility vehicles for driving around their property. Instead of using a truck, farmers can now go off road and more thoroughly check their land with ATVs. The sporting and recreational use of ATVs has not diminished; in fact, it has grown along with the new uses of these off road vehicles.

Off road trails solely for riding ATVs have been established all over the world. If you are interested in investing in an ATV, you have a great opportunity to test them out first by visiting one or many of these off roading trails. Since ATV use has risen through the years, many locations have established rules for who can operate one and how to safely drive an ATV. You will need to check local sources for rules or laws about ATV around your area.

Riding ATVs for recreational, sporting and utility uses is fun because the machines are made to challenge by pushing them through tough situations. Because you will be riding ATVs on primitive roads and through the wildlife, you must remember to prepare yourself by wearing safety equipment. Protective equipment can help save your life or just save you from getting cuts and bruises.

Riding fast on uneven trails through rocks, sticks and mud can be the formula for injury. Helmets are a necessary piece of protective equipment no matter where you are driving and ATV. Eye protection is highly recommended along with helmets. Gloves would be wise to wear because you will be gripping the handles and throttle tight. The gloves will help reduce any soreness from the tight grip.

ATV riders using their vehicle as a utility device will usually already be wearing long sleeve shirts and pants, but sport drivers need to do the same. The proper clothing attire is just as important as wearing protective gear.

ATVs are supposed to be driven through the rough, but some are not as rough as others. Know what type of riding you will be doing in order to get the right type of ATV. For racing through rough trails you will want good suspension. There are tons of trails for ATVing, so test it out on different terrains instead of buying your own, but you may become addicted.


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