Run Cooler Motorcycles

A motorcycle's suspension is a thankless job as it attempts to isolate riders from the irregularity of the road. With every fork compression and expansion your motorcycle's fork oil gets hotter and ever loses viscosity. As the oil loses viscosity your forks compress easier and easier, and since there is no more added rebound your suspension wallows and the bumps in the road become bumps in your handlebars and seat. Keep your forks still, strong and cool by spending a half hour and $ 15 installing some fresh fork oil. You will need a liter of fork oil ($ 10), a Ratio Rite ($ 4) to measure the proper amount of oil, a car jack, a funnel ($ 1) and some basic hand tools.

Look in your motorcycle's workshop manual to figure out the amount and viscosity of the oil currently in your forks. If you would like a stiffer suspension purchase thicker weight fork oil and purchase thinner oil if you prefer a softer suspension. Raise the front of your motorcycle off the ground using a car jack under the engine block. Remove the front wheel and front fender to allow you access to the triple trees. Measure the amount your fork stanchions stick out above your triple trees and loosen the caps on the left and right fork stanchions. Loosening the upper and lower triple trees and remove both fork stanchions. Unscrew the fork caps but be careful as the caps have a tendency to fly off as a spring is pushing against them. With the caps off, turn the stanchions upside down, remove the fork spring and let the oil drain out. Pay attention to see if the oil is dark, thick or filled with bits of fiber or metal. Pump the suspension up and down to fully evict all of the used oil.

Once the old oil has been removed we can start filling the fresh oil. Since the amount of oil affects how the forks will compress, think about if you liked the handling of your suspension or would prefer a stiffer or softer set up. If you liked the old set up, fill the Ratio Rite with the amount of oil specified in your workshop manual and fill a fork leg. Pump the fork stanchion up and down to eliminate all of the air in the system. This typically involves pumping the fork for two minutes. Once you are done move on to the other leg and repeat the process. When you are finished compress both forks and measure how far the oil is from the top of the forks. The number should be the same for both forks. If not keep pumping or add some oil to the fork with the lower level of oil. Insert the fork springs, compress the fork, install and tighten the fork cap. Insert the fork stanchions through the triple trees up to their previous height above the top triple tree. Reassemble all of the parts, making sure to torque the axle, axle pinch bolts, fork caps, upper and lower triple trees to factory recommended settings. Say thanks to your suspension and your suspension will thank you by running cooler and better absorbing every bump you hit.

How to Manage Your Personal Finances – Retirement Capital Requirements

Many articles have been written about the subject of retirement planning and there are many books published by experts on this very important issue. I have just recently joined the fold of the retired group and I have been through the mill (so to speak) of planning and implementing my retirement plan in it's initial phase. It is this, the initial phase, which I would like to concentrate on in this article.

So, how do I plan my retirement date?

Most companies have contractual dates for retirement. For example, retirement ages could range from 55 years old for early retirement to 60 years old for Directors to 65 years old for operational staff. These dates are generally a guideline since companies do exercise some flexibility when applying these parameters. However, each individual should be using these parameters as a benchmark and then build a projected financial model to see if they are adequately provided for in retirement. Note: The use of a financial advisor is highly recommended in this planning process.

Since the above guidelines, your retirement date is in fact flexible provided that you can satisfy the golden formula which is expressed as: "Accrued income plus passive income must exceed your current cost of living plus an adjustment (up or down) for lifestyle choice in retirement plus inflation projections and sufficient liquid cash for emergencies ".

Let's face it, the thought of early retirement is in the minds of all of us but if you can not afford it, you are heading for suicide.

Let me expand the golden formula as follows:

  • Accrued income is the monthly pension or income that you can derive from your pension accumulation through your working life. This figure will be provided to you by your pension fund or your investment institution.
  • Passive income is income from investments that you made through your working life. Here you consider regular income from property investments, equity investments, dividends, savings interest, business partnerships and any other form of reliable income which you will derive on a monthly basis.
  • Current cost of living is the full annual cost of your current lifestyle. Be extravagant in estimating this figure and be sure to include everything that you incur as a cost.
  • Adjust your retirement requirements up or down depending on your circumstances and your intended lifestyle in retirement.
  • Make adequate provision for injury during your retirement years. Your financial advisor should project your retirement capital adequacy over your expected lifespan.
  • Ensure that you have a 'nestegg "of cash available for emergencies such as buying a new car, unexpected medical bills, renovating your house, helping your kids, taking some holidays and anything else which is relevant to your situation.

I spend many hours pondering the above elements and I suppose it is only natural to be very conservative about whether you can actually go ahead and retire. Assuming that the criteria for the golden formula are met and in order to make the decision a little easier, the following points are highly recommended:

  • You should have no heavy debt burdens. Your mortgage should be paid off, your car hire purchase agreements should be settled and you should have no major debt commitments. In fact, you should be able to live from cash out of your wallet.
  • Your "wish list" for your activities in retirement must be catered for in your planned expenditure.
  • You must not have any plans that requires you to erode your capital base.
  • You need to be sure that your monthly income is pretty secure and you need to have alternative plans if for some reason, your monthly income drops.
  • You need to be able to save some of your retirement income monthly just to prove that you are coping.

In this planning exercise, you need to budget for everything that you want in retirement. Once you have taken the step, there is no turning back if you are serious about retiring. You also do not want to find out that you can not afford some of the things which you had in your vision.

In conclusion, the most important factor in planning your retirement is to ensure that your life partner (if appropriate) is fully informed and on board with the plan and that you create a mutual acceptance and arbitration about your future in retirement.

The above article is created to stimulate thought on your own unique circumstances and you need to tailor your plan accordingly.

It’s Oh So Easy to Apply Online

Have you ever thought of how simple and easy our life is now? For those people who lived before you, it was really an adventure to do their work outside their home. Such daily tasks have now more up-to-date ways of being accomplished. Nowadays things are so simple. Everything demands considering less effort than ever before.

I'm sure you have guessed what I'm talking about. If you have not – I'm talking about the Internet. Internet requires just one click to do your work. Niceties like online banking, email, and shopping over the World-Wide-Web already exist. You do not need to go out of your home whenever you need to pay your telephone bill for example. Now you just need to apply online. The World-Wide-Web allows approach to places that will take you a lot of time. Applying online is the easiest way to find information about your credit cards, loans and so on.

Have you applied for something recently? Do you want to know which is the best 4-year University? Have you already graduated from school? So is not it easy to find a school where to get your bachelor's degree? Getting access to the universities now is easier than ever. You just need to apply online no matter which school you have chosen. You may even apply online to several schools if you prefer so. Do not miss a chance! Getting to each of the schools you consider will waste your time. It is much faster to apply online than to use the old traditional method.

Welcome to the cyber-age of technology. Imagine you have already applied online to your should. Now you may need some financial help. Now hear the news – you can just apply online for a loan on the FAFSFA website. When you click on the link, you will be guided through several steps. Check what type of loan you will be granted to take.

In addition, when you are applying online for something, you save the postage. E-mails are free. The more expenses are saved the better.

Nobody is surprised now that applying online is possible almost anything. Such comfort was not available ten years before for example. We all are happy and love this option. Currently everyone has applied online for something at least once. Just relax at home and let your computer do your work. After all, is not it the age of conveniences?

Professional Development Plans

Every organization favors employees that contribute to its growth and potential. They hire skilled and efficient people, dedicated to organization goals. In spite of the efforts made, there is an inherent need to enroll proficient and motivated workers for a long-term relationship with the organization. There are professional development plans that include vital strategies for people to realize their career advancement and employment goals.

There are professional development seminars that provide the necessary information on self-assessment. A career counselor can also offer guidelines to students and professionals, before they move on to the planning stage. The students are asked to draft a professional development plan. The necessary details in the plan help the counselors to provide adequate guidelines for them to choose a particular field of interest. A plan helps them to target the areas most important for the overall objective of securing a job or internship.

A professional development plan is a methodological lay out of personal information, professional objective, target employers and professional development needs. Personal information includes email and phone numbers, degree programs and the date of graduation.

The professional objectives provide detailed information on preferred jobs or internship. They may list the favored scales, public, private, non-profit, or multi-lateral sectors. They specifically describe the care and the desired employer, along with the job function and geographical location.

Information on target employers consists of a list of organizations and locations favored. There are details on professional development needs provided, through reflection and research. It helps to create a list of the skills and experiences that they need to further develop, to realize the professional development goals.

There are online sites of the programs that set standards of planning. Their web sites provide resources and tools needed to use the professional development model to implement individual professional development plans.