How to Access Your Credit Reports for Free

I’m sure you’ve heard time and time again how important it is to check your credit report regularly. Doing so can enable you to request that errors be corrected in a timely manner and can provide you with an early indication if you have become a victim of identity theft. It can also make it easy to see areas in which your financial wellness can use some adjusting. Do not wait until you are applying for a mortgage or for credit to find out that your credit report isn't presenting you in a positive light. Straightening out errors and rectifying past-due debts can take months and may cost you the opportunity to buy a home or make a large purchase. It is best to be prepared so that everything is as it should be when you need it to be. Best of all, accessing your credit report once a year won’t cost you a thing. Are Credit Reports Really Free? In 1970, the U.S. Congress passed the Fair Credit Reporting Act (FCRA) as an amendment to the Consumer Credit Protection Act of 1968. The FCRA states that you're entitled to receive a free copy of your credit report annually from each of the three nationally recognized reporting companies. These companies are Equifax®, Experian® and TransUnion®.
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Bikers: Reduce Your Risk of Being Hit by a Car

Motorcyclists understand something that those riding in vehicles (“cagers”) cannot: there is something supremely liberating about taking to the open road with nothing separating you from the environment but your good fortune and a bit of leather. When on a bike, you are not only more aware of your surroundings; you are more one with the road. As with all things, however, this feeling of exhilaration comes with a price. As a motorcyclist, you are far more likely to be injured or killed in an accident than those who are protected by their steel cages. By nature, most cagers expect to see only other cars on the road. Bikers (and bicyclists, and even pedestrians) must be aware of this fact.
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Posted in Motorcycle Bundle , Cars , and Safety

Rental Car Insurance: Is It Worth It?

If you’ve ever rented a car, you know that you must make the decision about whether or not to purchase the insurance offered by the rental car company before you can get your keys and drive off. Many people wonder if this extra insurance is necessary or even a good idea. The answer to this question is not as cut-and-dry as you might think. Rental car companies will offer you three different types of coverage. Whether or not you should purchase any or all of them depends both on what your current auto insurance policy covers and how much you can afford to lose in the event of an accident. In this article, I will explain each type of coverage so that you can best choose whether any are right for you.
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6 Must-Do Tips for Improving Your Credit Score

Your FICO credit score is one of the most important numbers you should be aware of. Your score influences how lenders, creditors and yes, even insurance companies, view you. If your score is low or if you are just beginning to build your credit, there are things you can do to improve it. Just remember, credit scores don’t go from bad to good overnight. Building good credit takes time, responsibility and a bit of know how. Over the years, I have helped many people improve their credit. People who thought that aspirations such as new-car loans and mortgages were unattainable found they could turn their lives, and credit histories, around and become property owners. If you are trying to raise your credit score, I have a few tips that may help.
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The Best Things to Do and Places to Eat in Texas Hill Country

Texas Hill Country is an area unlike any other. Imagine endless two lane highways that roll across magnificent vistas, cross pristine rivers surrounded by mature trees and lead you to old, tiny towns with unique character and culture. Then throw in a few cowboys, random animals, a limitless array of things to do and places to eat and you’re just starting to scratch the surface of what you’ll find in this delightful area of the country. Needless to say, there are many reasons 5 million people visit this area every year!
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Tire Basics for the Off-Road Enthusiast

Purchasing tires for the off-road enthusiast can be quite tricky. The choice is dependent on what type of driving the vehicle is going to be used for. Both tire and thread construction should be considered in making a decision as to the tire that would be suit the needs of the owner. Tire Construction The first thing we will look at is tire construction. Tires are constructed in one of three ways. Radial Ply This type of casing is the best for highway use. The casing is generally made of polyester and gives a smooth ride. The tire is steel-belted, which helps hold the thread flat. The disadvantage with this type of casing is that the sidewalls are fairly weak and don’t resist impact very well. Another disadvantage is that the steel belts are fairly stiff and give a bad ride on road imperfections such as corrugations.
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4 Ways Becoming Physically Fit Can Save You Money

There are a number of compelling reasons to get off the couch and get into shape. It will help you look and feel great, your clothes will fit you better and it reduces your risk of cardiovascular disease and bone loss. But there is another, often overlooked, benefit. Becoming physically fit can actually save you money. How much money? Well, it varies by the individual, but it is safe to say that you can potentially save enough money to fully cover your gym membership fees and then some! Listed below are four ways that becoming physically fit can fatten up your wallet while slimming down your waistline.
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Posted in Health

The 5 Biggest Financial Threats to Your Small Business

Running a business is about balance; you have to balance your weaknesses with greater strengths. You have to balance your team with talented candidates in many different disciplines, and you have to balance threats with opportunities, or at least proactive measures to reduce those threats. Threats to your business can come in many forms, from conceptual failures to real, physical consequences. Some of the most dangerous threats are financial threats, which can escalate your costs, stifle your revenue growth, or in some other way compromise your profitability. As you grow and develop your business, be sure to avoid these five major financial threats:
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Off-Road Tire Sizes for Beginners

I got into my first four-wheel drive truck in the nineties after my father died. He owned a 1987 Nissan Patrol pickup and I had always wanted to own a four-wheel drive vehicle. Actually owning one was a huge learning experience for me. I had been a huge collector of off-road magazines over the years, but actually owning a four-wheel drive truck was still a learning experience for me.
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Ten Great Snowmobile Destinations for the Hardcore Rider

If you’re feeling adventurous this winter and would like to plan a snowmobile vacation, options range from scenic beginner’s trails to more advanced vertical mountain climbs. To find out about trails close to home, check out your home state’s trails using this North American trails map which also details current weather conditions and snow depth. A state by state listing of snowmobile trails is also available at Gosnowmobiling.org. But if you’d like try out your sled in a new destination, here are ten of the best snowmobiling locations in the U.S. and Canada.
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Are You Breaking the Law When You Haul Your Snowmobile?

There's a fresh layer of snow blanketing the ground and a few free days on the calendar. It's time to ride! But, resist the temptation to tuck the snowmobile in the back of the pick-up and hit the trails. Trailering or towing your sled illegally can lead to some hefty fines and put other motorists at risk of an accident if the machine is not properly secured or hangs over the end of the truck's open tailgate. And, spring pre-orders are piling up, making 2015 look prosperous too. So, the next time a fresh layer of snow blankets the ground and a few free days come up on the calendar -- head outdoors. Why not take the snowmobile out to those trails your friends have been telling you about? Before bundling up, you'll need a trailer to safely transport your sled.
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The New Snowmobile Laws You Need to Know

It's common knowledge to renew your driver's license every couple years. But, what if your favorite mode of transportation is a snowmobile? In a December 2014 Google Consumer Survey of snowmobile enthusiasts, 39.3 percent of respondents didn't realize snowmobile regulations are updated annually. A close 37.2 percent admit to reading the revisions while 23.5 percent had no idea regulations were updated. A total of 57 people participated in the survey.
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Posted in News , Snowmobiles , and Snowmobile Bundle

Snowmobile Insurance 101

Snowmobiles are a fun and exciting way to enjoy winter weather, but the costs of owning a sled can be significant. With the average price of a new snowmobile topping $11,000, buyers may be concerned about protecting their investment.
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Posted in Snowmobiles and Safety

10 Things Worth Having in Your RV

The more storage you have, the more you accumulate. I think this is a law somewhere. Space is always a factor when you are RVing. It doesn’t matter if you have a tiny little RV or a monstrous behemoth, the question all RVers struggle with is what to take and what to leave behind. We’ve just completed our first year full time RVing, and it is astonishing to realize the amount of stuff we’re carrying that we haven’t used once in the past year! Would you believe we’re carrying around a 12-man tent and a turkey fryer?
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Crash Test Doggies: Prevent Your Pet from Becoming a Projectile

Do you regularly put your dog in danger? If your pet travels unrestrained in any vehicle then the answer is "Yes". The idea of keeping a pet safe in transit is not a new one. Indeed the Center for Pet Safety (CPS) has undertaken crash tests to rate the effectiveness of canine travel restraints.
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Posted in Homeowner Bundle - All , Cars , Pets , and Safety

6 Financial Mistakes Millennials Should Try To Avoid

High school, trade school and college can provide valuable knowledge and job skills, but in most cases, these educational institutions do little to teach students about how to manage their personal finances. Some people are lucky enough to have had financial guidance throughout their lives, whether from parents or mentors; for most young people, however, the transition from relying on the help of others to managing on their own can be a difficult one.
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GPS: Why Every Snowmobile Owner Needs It

There's fresh powder begging to be explored. But, if you choose to take your snowmobile off the beaten path, will you be able to find your way home? Thank goodness for GPS, or global positioning systems. They're not just for cars you know!
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Posted in News , Snowmobiles , and Snowmobile Bundle

What Your Snowmobile Customizations Are Missing

Each year, snowmobiles are made to drive safer and smarter, but customization for enhanced appearance and performance is still popular among sled enthusiasts. In fact, a recent informal survey of snowmobile owners conducted by Trusted Choice revealed that 32% of respondents chose to customize their snowmobiles and another 22% planned to do so in the future. And of those interested in customization, nearly 80% anticipated spending less than $3,000, yet 8% planned to spend or had already spent upwards of $18,000 to trick out their sleds.
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Posted in Snowmobiles and Safety

Find the Best Trailer for Your Snowmobile

For those who travel with their snowmobiles, a quality trailer is essential for protection and ease of transport. Choices range from open, flatbed trailers which start at about $500 to enclosed rides which can be priced upward of $3,000. Each option has its own set of costs and benefits.
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The 5 Most Important Financial Decisions Entrepreneurs Face

Business owners are responsible for a number of tough decisions, from the fine tuning of an initial business plan to ultimately choosing whether or not to sell the business once it’s successful. Some of the most substantial decisions they’ll need to make over the course of their ownership are financial ones, which will dictate the cash flow and profitability of the company over time. Financial decisions should not be taken lightly, and should be made only after extensive research and careful consideration. These are five of the most important financial decisions you’ll have to face as you start your own business.
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