Are Motorcycles Covered Under California Lemon Law?

When you buy a motorcycle, either from a previous owner, or from a dealer, you expect to run properly. Having to repair the vehicle on and on should make you a bit suspicious. Failing to properly function after a consecutive number of repair attempts is a clear sign that you deal with what is commonly known as a "lemon". We know that there are specific consumer laws regarding lemon car in California, but does the law also cover lemon motorcycles?

Yes, motorcycles fall within the scope of California's Lemon Law. If you have had promised warranty repairs or excessive time in the repair shop, then you should call a lemon law lawyer for further assistance. California law covering motorcycles, trailers and boats is a bit different that the law covering cars. Under the California Lemon Law, motorcycles are covered by Civil Code section 1793.2 (d) (1) which covers "consumer goods."

Consumer goods are covered by lemon laws if they are sold with a written warranty and they are bought for personal or household use. Just like cars, consumer goods must be subjected to a reasonable number of repairs before being declared "lemons". But, unlike cars, a manufacturer can repurchase the product or replace it in order to fulfill its obligations under the California's lemon law. The good news is that the found defect need not "fundamentally impair the use, value or safety", meaning that you can recover your money even for some minor defects.

Typical defects compromising the safety of driving a motorcycle, making lemon cases stronger than in the case of cars. It is important to collect as much of the repair documentation as possible. They will support your claim and will allow you to settle the claim faster. Also keep track of accidents during operation of the bike is also helpful. Sale documentation and warranties provided at the time of sale can again make a claim stronger and easier to obtain a refund.

Owners of faulty, lemon motorcycles can ask for a replacement motorcycle or a full buyback. The latter will include:

• Full motorcycle price or paid monthly payments and down payment
• Registration fees
• Sales tax
• Incidental damages
• Vehicle rental cost and towing reimbursements
• Attorney`s fees

However, a small amount of money may be calculated and deducted from the repurchase costs, The sum of money is based on the mileage that the motorcycle was driven for prior to the first problem.

Organic Gardening – Watermelons Are a Summertime Favorite

Sweet, succulent watermelon grown in your own home garden are a summertime favorite. There is nothing better than there sweet, cool, refreshing and delicious taste on a hot summer day. This warm climate crop thrills with the growing growing seasons in warm climates, but there are varieties for cooler areas that will preform just fine and as tasty.

When planting, choose a location that will get full sunlight and with a good air circulation. They can grow in many different types of soil, but prefer a good healthy soil structure that is light, loose, fertile and well drained. Working in a generous amount of compost, composted manure or composed leaves into the soil will greatly benefit the soils structure for your watermelons to thrive. A soil that keeps moisture well is very important when growing watermelons, they like a steady supply of water.

Sow seeds directly into the garden once all dangers of frost have passed, soak the seeds for a half hour before planting in compost tea will help the seeds germinate. Plant on hills with 4 seeds per hill and space the hills 8 to 10 feet apart for vine type or 3 to 4 feet apart for bush type. Once the seeds have germinated remove 2 of the seedlings leaving the 2 best plants.

Watermelons are heavy feeders and need a steady supply of water, giving them a feeding of compost tea every two weeks will add the nutrients needed for your plants to thrive. Do not overdue it with nitrogen, especially once the flowers form.

Harvesting your watermelons can be a tricky task. There are three methods that can be used in figuring out if a watermelon is ripe. Look, listen and feel are what it takes to check for ripeness in a watermelon.

First sign is visual, the underside of the fruit that rests on the ground will turn a gold color or yellow straw color. Next look for the curly tendril that is attached to the vine closest to the fruit, it will be dry and brittle when a watermelon is ripe.

Second is the thump test, tap the watermelon with your knuckles and it should make a hollow sound when ripe. This method will take some practice, but once you get the feel for it you will most likely you this method the most.

Third is feel, if you run your fingers around the center of the watermelon you should feel ridges on the rind when it is ripe. This is done around the center and not from end to end or from stem to blossom. A watermelon that is not mature will be smooth.

Life Insurance 101, An Explanation of Various Types of Life Insurance

TERM LIFE INSURANCE – Life insurance for a set number or years. You can choose from 5 to 30 year terms. No cash value, if you die during the term you collect the death benefit. The policy dies after the selected term has ended and you receive nothing unless you have a, return of premium rider or you convert the policy to some form of permanent insurance.

RETURN OF PREMIUM TERM INSURANCE (ROP) – A term insurance policy that returns all or a portion of premiums paid at the end of the term if the death benefit has not been paid.

SIMPLIFIED TERM INSURANCE – Term insurance which uses a simple application. Underwriting is done electronically. No underwriting requirements by the applicant unless red flags arise out of the electronic underwriting process. Policy is usually issued much quicker than regular term. There is a limit of death benefit for this type of policy ($350,000 or less) depending on the insurance carrier. This type of policy is generally more expensive because of additional risk by the insurance carrier. Less underwriting =more risk.

CRITICAL ILLNESS INSURANCE – Applied for as a stand-alone policy or as a rider to another life insurance policy. Pay immediate benefit for a covered illness even if death does not occur.

ACCIDENTAL DEATH INSURANCE – Pays benefit in event of a covered sudden accidental death. Applied for as a stand-alone policy or as a rider to another form of life insurance.

MORTGAGE PROTECTION INSURANCE OR DECREASING TERM INSURANCE – Term insurance that pays the balance of your mortgage should death occur. The amount of death benefit decreases to match the amount owed on mortgage. The insurance is set up to end at the same time your mortgage is set to end.

UNIVERSAL LIFE INSURANCE (non variable) – Flexible premiums. Can be a permanent insurance as long as premiums are paid and policy is funded properly. Investment policy in which risk lies with insurance company.

Has a minimum guaranteed interest rate which differs by company. This policy has the ability to gain contract value. The death benefit can be set to level (death benefit stays the same throughout) or increasing (death benefit increases as contract value rises). You may obtain loans or make withdraws but you must be careful, if the policy is not funded, it will collapse.

VARIABLE UNIVERSAL LIFE INSURANCE – Agent must have securities license to sell. Very similar to non-variable universal life. The difference is that the policy owner assumes investment risk. There is no guaranteed interest rate. Policy can collapse if investment does not do well and policy is not funded properly.

WHOLE LIFE INSURANCE – Simply put, you pay the premium and the policy will last your whole life. You usually have an option to borrow against the policy, amount depends on the value of the policy. This type of policy is usually much more expensive than the universal life policy.

GRADED BENEFITS WHOLE LIFE – Partial or no benefits paid until a named or tiered waiting period has passed. If you die before the waiting period has passed, you usually will receive the return of your premium payments with some sort of interest.

FINAL EXPENSE WHOLE LIFE INSURANCE – This type of whole life insurance is aimed at burial and funeral expenses and other final expenses. Usually, no medical exam required and death benefit is limited to $50,000 or less.

SINGLE PREMIUM WHOLE LIFE – This whole life policy is paid for by a single lump sum payment. In return the beneficiary receives a larger death benefit than the payment.

THINGS TO CONSIDER: You may be interested in mixing and matching different types of policies. For example; There is a need for 500k immediately. As time goes on, the kids have graduated college and are out of the house, the house is almost or totally paid off. Now the need is less. In this example you may want to purchase a 330k universal life and a 20 year 200k term. This plan will save you money and still protect your family for life.

Or, you may want to mix term, critical illness, accident, universal life, or whole life in various ways depending on your needs.

RIDERS:

Waiver of Premium Rider – pays life insurance premium if you become disabled and can’t work. There is usually a waiting period and rider usually expires at age 60 or 65.

Critical Illness Rider – Rider is explained above.

Return of Premium Rider – Rider is explained above.

Guaranteed Insurability Rider – this rider allows you to purchase an additional amount of life insurance at a later date without having to prove insurability again or take another medical exam.

Term Conversion Rider – allows you to convert a term insurance policy into a permanent policy without proving insurability again.

Accelerated Benefit Rider – this rider is only for permanent life insurance policies. This rider is usually included automatically for free. It allows you to collect a portion of your policy’s death benefit if you become terminally ill with a short life expectancy, usually one year. The portion paid out is subtracted from you policy’s death benefit.

Accidental Death Benefit Rider – This rider pays in addition to the death benefit if you die from an accident.

Child protection Rider – Usually used to pay final expenses if the unthinkable happens. Often, at a nominal cost and purchased in units of $1,000.

UNDERWRITING: requirements depend on insurance carrier, type of policy, amount of death benefit, age, build chart, gender, medical history, medications, family history, motor vehicle report, and other factors.

An application is always required, although, non-medical policies usually have a simple application.

Requirements could be: Paramed (certified medical processor or nurse comes to your place of choosing, takes you through a medical questionnaire, measures your height and weight, takes blood and urine sample, possibly EKG either resting or non-resting), Medical information from your physician or hospital, Medical exam, etc.

HEALTH CLASSES – Typical health classes would be, Preferred Best, Preferred, Select Standard, Standard, and then different nicotine classes such as, preferred nicotine, select nicotine, and standard nicotine.

It is possible to be rated less than standard depending on health and underwriting factors.

You must qualify for a health class. This is chosen by the underwriter after the underwriting process is complete. The agent can only quote you the different health classes but this can change with the underwriting process.

3 Quick and Easy Ways to Make $1000 a Week Online (Without Spending a Dime on Traffic)

Who else wants to learn how to make real money online? Are you sick and tired of being lied to? Of being deceived, duped and disappointed? If you are like most of the people who enjoy our articles about EASY online wealth creation, the simple truth is that you are just FED UP.

But…I want you to do me a favor.

  1. Imagine being able to generate a veritable AVALANCHE of traffic to any site, service or offer…and NOT having to pay a dime to do it.
  2. Imagine having your PICK of highly qualified, fresh leads that are already interested in your offer…BEFORE they arrive at your site.
  3. Imagine being able to build a BOOMING business on the broad back of FREE traffic……without ever relying on shady tricks or techniques that will NEVER work (nor make you feel good inside even if they did)

The truth is, I’ve mastered a very specific traffic generation strategy that I call content marketing…and the very best part is just about ANYONE reading this right now can do what I’m about to lay out for you.

Why should you believe me? I’ve written over 5,000 (yes thousand..:-) pieces of unique content that have generated MILLIONS of readers, tens of thousands of subscribers in many different niches and an empire of blogs, web sites and affiliate product promotions that you can COPY…simply using the 3 simple techniques below.

Ready? Here are my top 3 ways to generate a 4 figure WEEKLY income using nothing but free traffic derived ENTIRELY from content marketing methods. And remember, you ONLY need to make about $150 a day to get to that number, which may FEEL like a lot right now, but it’s not…and you CAN do it if you follow through.

1 – Root Level Redirection: Pick ONE high EPC product (I like an EPC of 80 or above if you are using one of the main affiliate networks like CJ) and simply install a root level re-direction that forwards the visitor from YOUR offsite content directly to the vendors landing page, with your cookie.

This works very, very well for a whole hodge podge of different products…and “free trial” offers can often convert at 3 or 4% using this approach. (and usually pay out 35 dollars PLUS per sign up…which adds up hyper fast)

2 – One page review sites: I love this approach, and this WILL convert better than the root level re-direction above…PLUS you get the added benefit of search engine optimization and natural traffic from natural search as well. (rather than just from the content directories themselves…which is pretty much where you’re going to be limited in our first example)

The key? Simply expand your product selection to 3 products, rather than one! Very easy…and while the actual click through rates are going to be less….you will probably make MORE money using this approach for sure.

3 – Relationship Marketing: Build a list. Build rapport…and relationships. And then sell your OWN suite of services. Become a coach. Or consultant. Personal services is the absolute BEST way to make a fortune online that endures in value…and won’t disappear if the products you’re promoting come down. (as CAN happen in our first two examples, and can also be a pain in the rear end AND your bank account when it does)

Honestly?

You can make 3, 4 or even 500 dollars a day as a coach, often taking whatever you are MOST personally passionate about into perpetual piles of profit…AND making it happen in a hurry!