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Signature Loans: Advantages and Disadvantages

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Signature Loans: Advantages and Disadvantages

If you’re in the market to borrow cash, “signature loans” are one type of loans that you have to sign that may be recommended to you. Signature loans are attractive in a number of features, but you should be sure to learn more about them prior to making a decision to sign up for ones they come with important disadvantages, too.

Signature loans: The fundamentals


An important aspect of every loan is whether or not it’s secured. A mortgage, for instance, is secured through the property that it’s helping to purchase. The property is the collateral. If you do not pay back your loan agreement, then the bank may take possession of the property.

The debt on credit cards, however, isn’t secured. If you do not pay the debt the lender may pursue you or set up an agency to collect on you, however, it’s unlikely to take possession of the property. Signature loans are loans with no collateral.

Signature loans are also described as “character loans” as well as “good trust” loans because they are a loan from a lender usually one of the credit unions or banks that lends money according to your character and how you interact with them with your signature as well as a commitment to pay back. They usually have a fixed interest rate, as well.

Signature loans: benefits


When looking at the advantages and disadvantages of signature loans, one significant benefit is that they are quick and easy to access. The rates of interest that the lenders charge are generally higher than those for secured loans because the lender will be taking on more risk. However, they’ll likely be less than a different unsecured choice that is that of a payday advance.

Its status as not secured is a further benefit for the borrower since it means that you’re not placing any of your assets at risk. Signature loans are a great option for certain people when, for instance, they’re looking to consolidate multiple debts that carry high and fluctuating interest rates, like credit card debts.

Signature loan: drawbacks


Of course, there are disadvantages, as well. Some people aren’t well-served by these loans. They require credit checks for instance, which means that if your credit score isn’t great then you’re unlikely to get an appealing rate of interest – and you may not be able to get the loan at all.

A good rate because of a high credit score could be greater than rates that you could get from secured loans. If you own a property and you want to improve your credit score, look into an equity loan for your home instead.

Signature loans typically are with relatively short durations typically for just up to a couple of months typically, but not more than 4 or 5 years. If you’re looking to borrow the sum of $50,000, $100,000, or more, then you’re likely out of luck because they are likely to be that are in the $3,000-$35,000 range. (Again it’s because the loan is unsecured and the lender takes on some risk.)

There are times when you’ll need to be able to get a cosigner for the loan, as well. This lowers the risk for the lender in the event that it goes after the cosigner should you don’t pay back the loan.

What can you do?


If You think that a loan with a signature might be for you, take a look at it further. Get quotes from the lenders you prefer however, you shouldn’t overdo it. Be aware that every quote is likely to require a credit assessment and will show up upon the credit report, and can temporarily lower your credit rating of yours.

If you’re in the middle of a bad credit score at the moment and you are able to put off applying for a loan, it might be a good idea to increase your score over the next period of time like by making sure to pay bills on time, and getting your debt-to-credit ratio to your credit limit.

Additionally, you could receive a better rate by ensuring that the loan does not be extended for too long the riskier for the lender, and also by not borrowing too much, since lenders typically view smaller sums as being less likely to be repaid. Additionally, bigger loans bring in more money on the part of the lending institution.

The 25 best wellness deals for Black Friday and Cyber ​​Monday 2022

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There’s what you expect to feel during the holiday season (cheerful, happy, bright) and what you actually feel (anxious, stressed, tired). If you’re like us, the holidays can underscore how important it is to take care of yourself, too. So while you’re busy shopping for the holidays for others, you might want to browse our selection of the best gifts, sales and wellness deals to make 2023 the year of unapologetic self-care.

We’ve rounded up the best wellness deals (plus some fitness sales) on the internet on products and services designed for both your mind and your body. From big brands like Parachute and SoulCycle, some of the best Cyber ​​Week deals include massage guns, raw juices, mood candles and science-backed supplements. Be sure to bookmark this page as we’ll be updating it throughout Cyber ​​Monday 2022 with more wellness and personal care discounts you can’t miss this Cyber ​​Week. .


Shop our favorite Black Friday and Cyber ​​Monday wellness deals

Original Peloton Bike

Peloton Original Peloton Bike

Now 21% off

Credit: Amazon
On sale

Gwyneth's Morning Routine: The Kit

goop Gwyneth’s Morning Routine: The Kit

Now 30% off

Credit: goop
On sale

Annual plan

Annual plan

Now 50% off

Credit: Headspace
On sale

Rose Quartz Eye Mask

WTHN Rose Quartz Eye Mask

Now 20% off

1 credit
On sale

Classic Turkish Cotton Bathrobe

Parachute Classic Turkish Cotton Bathrobe

Now 20% off

On sale

Family of mirrors

Family of mirrors

Now 31% off

Credit: Studio Lululemon
On sale

Theragun PRO

Therabody Theragun PRO

Now 25% off

On sale

Heated neck warmer

Ostrichpillow heated neck wrap

Now 15% off

On sale

stone diffuser

Vitruvi stone diffuser

Now 30% off

1 credit

If you’re finally ready to commit and buy one of Peloton’s trendy stationary bikes, we’ve spotted the original version on sale on Amazon for Black Friday for 21% off.

BUY NOW

For Black Friday, Goop shoppers can save 20% on a number of its cult products, including GoopGenes, Goop Fashion, Goop Wellness and Goop Collaborations.

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For every purchase of four classic bath towels, you will receive one free until November 28. The brand will also be running a “Buy 2 Bath Towel, Get 1 Free Hand Towel Set” offer through December 20. Havly also donates to the nonprofit DonorsChoose with every purchase throughout the year to fund special needs classrooms in low-income areas.

Channel peace and quiet for less with 50% off an annual or monthly Headspace subscription for Black Friday.

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The infrared wellness brand you’ve seen all over TikTok is having a major sale of its home sauna blankets and mats (offers range from $120 to $250 off). You can also save $500 on a full-size infrared sauna to install in your home, a gift that keeps on giving. The retailer is also offering 20% ​​off supplements and topicals.

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HUM Nutrition is already offering 30% off sitewide on its line of vitamins and supplements with code HUM30, through November 29.

Fitness enthusiasts can save up to 50% on Lululemon Studio’s Mirror bundles during Cyber ​​Week, which include workout essentials like resistance bands, weights, and the Mirror itself for keep you on track.

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Sexual wellness brand Maude is offering 20% ​​off your entire order of devices, lubricants, mood candles and more with code BFCM2022.

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You can get 25% off sitewide on collagen powders, supplements, snacks and more from Moon Juice, plus 30% off the first three months of its subscription purchase.

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Created by certified and licensed acupuncturists, Moxa is a DIY app with personalized acupressure sessions to experience the benefits of acupressure at home. The brand is offering 50% off the annual subscription using code 50FRIDAY when you shop during Cyber ​​Week.

Save up to 30% on select Ostrichpillow products such as upgraded travel pillows, heated neck wraps, comfort eye masks, nap pillows, compression socks, and more.

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Stock up on a comfy new bathrobe, slippers, towels or bedding this holiday season from Parachute with 20% off everything (furniture included!).

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Surprise a friend or family member with the gift of a home fragrance this season with the brand’s Cyber ​​Week offer on its smart diffuser. When you buy one, you get another free this week.

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Shop more of the best wellness deals

One of our favorite multivitamin and protein powder brands is offering 40% savings sitewide when you bundle a purchase of your choice with its Synbiotic+ through November 30.

Upgrade your shower routine with one of Soft Services’ trendy products, like the Buffing Bar Starter Kit or the Superior Shaving Kit. Through Cyber ​​Week, orders under $50 will save 5%, orders of $50-$99 will save 10%, orders of $100-$149 will save 15%, and all orders over $150 will save 20% (no code required).

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You can save big on leggings, sports bras, shoes and accessories, but if you’ve been eyeing the bike at home, now’s the time to buy. The $2,500 bike is available in stores now for $1,000 off!

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Stock up on essential oils with 20% off everything online and in-store (except Physical Pocket Farmacy Light Gray, Black, and Grey) and 30% off select products.

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During Cyber ​​Week, you can get up to $150 off Theragun Pro, $101 off Theragun Elite and Prime, and $40 off the travel-friendly Mini right now, plus shipping free. Muscle pain is so 2022.

Stock up on cute underwear designed for period and bladder leaks from Thinx and Speax with 50% off until November 28th.

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Tushy’s bidet accessories are 30% off for Cyber ​​Week until November 29 with code BRUNFRIDAY at the register.

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Uma

Uma makes some of our favorite wellness oils, skincare oils and candles, and Cyber ​​Week is the best time to buy them all. Through Nov. 28, the brand is offering 20% ​​off everything and 25% off carts over $400.

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If you’re looking for new CBD skin and body products or edibles, Uncle Bud’s is offering up to 35% off with code BF35 from November 25-29.

Cyber ​​Week is the perfect time to upgrade your must-have diffuser and humidifier, especially with up to 40% off Vitruvi bestsellers.

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Sculpt and deflate all year round with Wilding’s coveted Gua Sha tools, which are 20% off until November 28 with code WILD SHOP.

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All the wellness gadgets and tools you could dream of are available at WTHN, and you can save 25% on studio and online (excluding body cups and sets) through November 28. Don’t forget to use the code HEALING SPIRIT at checkout to save money.

BUY NOW

Motorcyclist dies in road accident in Negros – Manila Bulletin

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Motorcyclist dies in road accident in Negros

BACOLOD CITY – A young man has died after his motorcycle collided with a sports utility vehicle (SUV) at Hacienda Nueva, Barangay To-oy, Himamaylan City, Negros Occidental on Tuesday November 22.

People flock to an area in Barangay To-oy, Himamaylan City, Negros Occidental, where a motorcyclist died, following a head-on collision with an SUV on Tuesday. (Photo courtesy of Himamaylan City Police Station)

Himamaylan town police identified the victim as Lito Garzon, 22, from Barangay 3 here.

Cpl. Mark John Dato, a traffic investigator at the Himamaylan town police station, said an SUV driven by a 62-year-old woman allegedly overtook two trucks and collided with Garzon’s motorbike.

Dato said the victim was not wearing a helmet. He was pronounced dead on arrival at the hospital due to severe chest pain and a head injury.

Dato said the SUV driver was also taken to a hospital in Kabankalan town, due to chest pains.

The two sides have reached a settlement, according to the traffic investigator.

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5 things to do this week: collecting toys, motorbikes, shopping and more – Albert Lea Tribune

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5 things to do this week: collecting toys, motorbikes, shopping and more

Posted at 8:59 p.m. on Tuesday, November 22, 2022

1

Collecting toys

Bergdale Harley-Davidson has partnered with the Albert Lea-Freeborn County Chamber of Commerce and the Salvation Army to collect toys. Join them for a tour of Albert Lea on their motorcycles and in costumes to spread holiday cheer around town from 1-4 p.m. Saturday. Gifts and/or donations can be dropped off at Bergdale Harley-Davidson, 905 E. Plaza St.. Pre-register to ride by calling 507-373-5236.

2

Purchases

Local shopping helps local communities, and this Saturday is Small Business Saturday. Sweets and treats will be provided in some stores. For a complete and updated list of special sales, visit https://www.facebook.com/events/s/small-business-saturday-albert/1294220081397589/

3

Music

Amanda Ellison and Korissa Olson, otherwise known as The Preacher’s Daughters, will perform from 4-6 p.m. Saturday at Grace Christian Church. Ellison and Olson will share their favorite Christmas songs and traditional carols, as well as their own stories. The concert is free, but a voluntary offering will be received. Grace Christian Church is at 501 W. College St.

4

Event

The Evergreens, located at 75668 270th St., Clarks Grove, will open Friday. The cut-your-own Christmas tree farm will offer horse and wagon rides, hay tractor rides, hot drinks and local crafts. Events at the store will be open during the day Friday through Sunday between Thanksgiving and Christmas Eve.

5

Meet

Keep the house clean with a Thanksgiving Eve event at Good Shot Golf and Sporting Clays from 4-11 p.m. There will be pizza and popcorn. Everyone is welcome. Good Shot is at 124 Arrowhead Drive in Emmons.

Student loan defaults could hit historic highs without debt relief: Education Department

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A record number of student borrowers could default without federal student loan forgiveness, an Education Department official has warned. (iStock)

Student loan default could become a reality for millions of borrowers if President Joe Biden’s student loan forgiveness plan does not materialize, according to an Education Department official.

“Unless the [Education] The department is authorized to provide debt relief, we anticipate that there may be a historically large increase in the amount of federal student loans in arrears and defaults as a result of the COVID-19 pandemic,” said said James Richard Kvaal, Undersecretary for Education in the Department of Education. in a filing in court.

The deposit comes shortly after a federal student debt relief plan freeze extended by the United States 8th Circuit Court of Appeals, in an ongoing lawsuit filed against the Department of Education by six states.

The student loan relief plan provides up to $10,000 in federal loan forgiveness per borrower and up to $20,000 for those who used Pell Grants in college.

But if the plan is permanently overturned by the court system, Kvaal warned that borrowers who would have had all of their student loan debt wiped out would be hit hardest. That’s 18 million borrowers, the undersecretary said.

According to a study by Morning consultation.

If you have private student loans that do not qualify for federal student loan relief, you may consider refinancing them at a lower interest rate to lower your monthly payments. You can visit Credible to find your personalized interest rate without affecting your credit score.

TEXAS FEDERAL JUDGE BLOCKS BIDEN’S STUDENT LOAN FORGIVENESS

What happens if you default on a student loan?

Defaulting on a student loan, Kvaal says, typically means borrowers owe any remaining balance plus accrued interest immediately and lose many federal benefits like the ability to apply for a new repayment plan that can lower their payments. monthly.

Borrowers in default may even have their wages garnished and denied further student aid. Borrowers are typically in default after 270 days of missed payments, according to StudentAid.gov.

“The consequences of defaulting on federal student loans are severe,” Kvaal said.

If you are having difficulty repaying your student loan, you may consider refinancing your private student loans to lower your interest rate and monthly payments. Visit Credible to compare interest rates and find the right one for you.

BIDEN ADMINISTRATION REVISES STUDENT LOAN FORGIVENESS FOR CERTAIN BORROWERS

Will the federal student loan pause be extended?

The Biden Administration previously stated that the pause on federal student loan repayments would be extended one last time through December 31, and that borrowers should expect to resume payment in January.

However, as Biden’s student loan forgiveness plan faces legal challenges, some advocates requested an extension of the payment break. Deputy Executive Director of the Student Borrower Protection Center (SBPC), Persis Yu, said in a statement that the recent decision by the federal appeals court was “a tragic reminder of the increasingly strong hold that special interests have over our legal system.”

“The Biden administration can no longer resume payments on January 1,” Yu said. “He must use all his tools to fight to ensure borrowers receive the debt relief they need.”

If you have private student loans, these will not be eligible for federal loan forgiveness. However, you can consider refinancing your loan at a lower rate to help you save on your monthly payments. Visit Credible to speak with a student loan refinance professional to see if this option is right for you..

BIDEN ADMINISTRATION ANNOUNCES CHANGES TO INCOME-DRIVEN STUDENT LOAN REPAYMENT PLAN

Fortnite Chapter 4, Season 1: Will the motorcycles be…

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According to the latest leaks, motorcycles are coming to Fortnite Chapter 4, Season 1! Here are all the details.

Will we soon be riding a motorcycle in Fortnite? | © Friendly Machine via YouTube

Vehicles are an integral part of Fortnite. There are now a multitude of different vehicles in Fortnite, ranging from golf carts to cars and planes. And now, even motorcycles are supposed to appear in Chapter 4, Season 1. Here are the details.

Are motorcycles coming to Fortnite?

As always, the leaks come from our good friend and Fortnite leaker Hypex. He shared via tweet that Epic recently started working on motorcycles that will use the same animations as Fortnite’s rideable pets. It will have 2 seats, and you can boost and drift with the motorcycle. In addition, vehicles will need fuel to operate.

Taking the Grandt Theft Auto franchise as a grand plan, Epic Games would allow the driver to also use certain weapons while driving the vehicle, although this information is purely speculative. With the motorcycle, players could make a quick escape or engage in a firefight out of the blue, which could be pretty cool.

Although the model of the motorcycle is unknown, the introduction of the new type of vehicle opens the door to new collaborations with Epic Games. Popular brands like ARCH, Harley Davidson, Kawasaki and Ducati could then possibly be seen in Fortnite? But we won’t know until the start of Chapter 4, Season 1.

To learn more about Fortnite:

13 Reliable, High-Quality Mountain Bike Products Built To Last

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Mountain bike gear doesn’t come cheap, and as buyers, we want to know that our gear and apparel will last season after season. At a minimum, we need reliable gear that we can rely on on epic rides (read: getting lost and riding longer than expected) or when pushing our technical limits.

Not only is durable and reliable equipment cheaper in the long run, it’s also good for the environment. We’ve tested hundreds of products over the years and here are just a few of the items that stand out for their overall quality, durability and versatility.

We would also be delighted to receive one of these products as a gift. For more gift ideas for mountain bikers, check out these holiday gift guides or Black Friday mountain bike deals.

Steel hardtails are forever. Photo: Lea Barber

Semi-rigid Marin El Roy

If someone is holding a classic mountain bike, chances are the frame is steel or titanium. Not everyone has the budget for a Ti ride, but a steel bike like the Marin El Roy is within reach. This is a versatile bike with geo that won’t feel stale after just a few seasons, and it’s ready for any upgrades you might want to make down the road.

Big Fat 2021 winter cycling clothing roundup. Photo: Lindsay Warner

Velocio Alpha System

Kudos to these dedicated mountain bikers who can ride all year round even on snowy and freezing winter days. A big key to not freezing your ass on winter hikes is proper cold weather gear. Velocio’s Alpha System – the Alpha Long Sleeve Midlayer, Alpha Softshell Jacket and Alpha Glove – is a “warm, lightweight and highly breathable configuration”. [that] excels when it comes to sweating in cold weather.

  • Price $119-$299
  • Available at Velocio
Ride Concepts Hellion Elite Shoe 2021

Ride Concepts Hellion Elite Shoe

The Ride Concepts Hellion Elite Flat Pedal Shoe will have you saying, “Bring the tune!” The soft, sticky sole is designed for ultimate grip and confidence on technical terrain. And the D3O sockliner helps absorb impact and provides a bit of cushion so you can ride all day. Men’s and women’s models available (2021 model pictured above).



Stove Solo Ranger 2.0

Solo Stove, where have you been all our lives? Biking and campfires go together like college parties and red Solo mugs, and the Solo Stove Ranger 2.0 is the perfect size to bring the good times to any trail. This smokeless fireplace is self-contained and provides plenty of heat. Plus, you can use it at home for relaxing or grilling with a wide variety of accessories.

  • Price: $179.99 sale (reg. $299.99)
  • Buy from Solo Stove

Icebreaker BodyfitZone™ Merino 200 Baselayer

This Icebreaker base layer is the kind of thermal shirt you can wear at least 2-3 seasons of the year for the next 10 years. Made from 96% merino wool, it’s breathable and warm with thoughtful mesh ventilation on the upper back and sides. Men’s and women’s models available, also in lighter and heavier weights (warmth increases with weight).

Some tools are forever. It is said that when developing the Decade Chain Tool, Abbey broke 10,000 chains with just one tool, which equates to three chain breaks a day for 10 years. Both amateur and professional mechanics can appreciate high quality tools that have tight tolerances and are comfortable and reliable every time they are used. Abbey Bike Tools may be expensive, but they are also heirloom quality.



Patagonia Dirt Roamer Jacket

The Patagonia Dirt Roamer is a versatile mountain bike jacket that’s packable and ready to tackle all conditions: cool weather, wind and a bit of rain (it’s DWR treated). All Patagonia products come with an Ironclad warranty, which means any tears or defects can be repaired for the life of the product. Male and female models available.

EVOC Stage 12L Bike Hydration Pack

This epic hydration backpack has 12 liters of cargo space to carry everything you might need for an all-day adventure. Organizational features are second to none, with designated areas for a helmet, light, sunglasses, keys and an integrated rain cover. Plus, there are pockets on the pockets for small items like tools, snacks, and even the excess waist strap.

Moon Rigel Bike Light

Most of us will run out of power long before the Moon Rigel bike light does. This night light is super bright and packs a massive battery that lights up the trail for up to six hours. We got 2-3 night rides per charge and we like the ability to switch between two different beam patterns depending on conditions.

  • Price: $247.99
  • Buy from Wiggle.


Large length illustrated.

Kitsbow denim shirt

Kitsbow is known for making high-quality apparel at its Fort Mill, NC factory using premium materials, and it really shows. The Kitsbow Icon Denim Shirt Signature Fit looks great and includes cycling specific features like a vented back panel and stretchy material that feels great on the bike. It is truly one of the most beautiful garments we own and will surely wear for years.

Photo: Patrick Goral

Stan’s Tire Sealant

This summer we ran a tubeless tire sealant test and found Stans to be one of the best at sealing punctures. Not only that, Pat found it lasted the longest in his 2018 long-term sealer test. Stans may not be the newest or flashiest sealer on the market, but it’s is still one of the most reliable we’ve found.

PNW Components Loam Dropper Post

There really is nothing quite like rolling over loam thanks to its consistent handling, soft, cushioned feel and earthy smell. Those first two also describe the PNW Loam Dropper pole, one of the most reliable and satisfying poles we’ve tested over the years. Home mechanics can adjust the cartridge pressure and set the stroke length for the trails and bike it’s on.

  • Price: Sale from $159.20 to $167.20 (reg. $199 – $209)
  • Buy on Amazon.


kineticore jackal lazer

Lazer Jackal Helmet with KinetiCore

Protection against rotational shocks? Check. Magnetic chin strap buckle? Check. This half-shell helmet has the features mountain bikers crave PLUS a quality build that promises to last more than a season or two. With subtle and neutral color options, it will continue to look good too.


This article includes a mix of sponsored placements and products curated by Singletracks staff.

Rival outlaw biker gangs team up to commit serious crimes

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Joint research by Deakin University and the Australian Institute of Criminology (AIC) has shed light on patterns of delinquency among the country’s most notorious and feared outlaw motorcycle gangs (OMCGs).

Alfred Deakin Institute professor David Bright, lead author of the report, said the study found small subgroups or ‘cliques’ of co-offending members within clubs.

This has sometimes occurred independently of the direction of senior officials, with these members typically implicated in drug and firearms offenses, robberies, and violent assaults.

But the research also showed that higher-ranking members were more often involved in club collaboration with rival motorcycle gangs.

Professor Bright said it challenged preconceptions that the OMCGs were bitter rivals and represented a new frontier that law enforcement must confront in their efforts to disrupt and prevent illegal activity.

“Until now most people thought that the different clubs in the OMCG act independently of each other and compete, but what this shows us is that they are now teaming up. Where it there is money to be made, they will work together,” Prof Bright said.

The Deakin and AIC research team looked at motorcycle gangs operating out of New South Wales, but Prof Bright said the findings were also likely applicable to clubs in Victoria and other states.

They used anonymised data from NSW Police on offenses committed by OMCG affiliates and linked it to information collected from the NSW Bureau of Crime Statistics and Research and NSW Corrective Services.

Prof Bright said media reports of the Australian Federal Police’s Operation Ironside showed a tendency for organized crime groups to work together on large drug imports or murder plots.

This collaboration was more likely to occur when OMCG clubs or organized crime groups had common interests, such as when illicit markets overlapped in the same location.

But he warned that collaboration between OMCG clubs could turn sour if a club member is made to feel disrespected by a rival club. This could lead to shootings and attacks on clubs, which he said have featured frequently in the media in Victoria and New South Wales in recent years.

“The OMCGs have changed over the last 10 to 15 years. Before that they were very into the fraternity and that anti-social biker lifestyle, but now they invite younger members to join just because they have criminal backgrounds which the club finds useful,” said the professor. Bright.

“Our research revealed that there has been an influx of young men joining OMCGs in recent years, motivated less by the traditional values ​​of these clubs and more by membership status and the possibility of making illicit profits. these new members do not own or ride motorcycles, which was previously a key characteristic of OMCG members.

Professor Bright said the research team hoped the results of the study would help inform law enforcement’s approach to monitoring and combating OMCG crime and improving community safety.

Changes in club composition and offending patterns were vital information which he believed could prove invaluable to law enforcement operations.

“We hope this will support a more intelligence-led approach to policing that recognizes the growing collaboration of interclub crime, as well as new patterns of co-crime by younger male cliques who have been brought on board to bolster the ranks of the OMCGs,” Prof Bright said.

The full report, Co-Crime Networks Among Outlaw Motorcycle Gang Members Across Crime Types, was published in the journal Trends in Organized Crime and can be viewed here.

Verge TS electric motorcycle enters production

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Verge Motorcycles today announced the start of production of its Verge TS electric motorcycle.

Electric motorcycles have exploded in popularity in recent years. A good example is Energica Motors which, after being taken over by Ideanomics, has already sold 30% more bikes in the first nine months of this year than throughout last year. Even mainstream motorcycle manufacturers are starting to take notice, with Honda and Kawasaki planning to introduce electric models in the coming years. Now, a Finnish startup named Verge Motorcycles has also started producing its electric motorcycle, the Verge TS.

Verge Motorcycles gained notoriety this year for the TRON-esque design of its motorcycle. The eye-catching “wheel motor” that has no centerline or spokes even won the bike several design awards. Since then, the company has received hundreds of orders and is now working to fill them, initially meeting demand in Europe and Scandinavia.

The Verge TS, the bike that went into production, is far from cheap, starting at $26,900 and reaching over $30,000 for the top trim model, but the company promises superbike performance. With its single rear motor, the bike produces 737 lb-ft of torque (1000 Nm), 137 horsepower (103 kW) and, if you can hold out, will rocket you to 60 mph in just 3.5 seconds.

The bike even has a surprisingly long range of 217 miles (350 km) for the top trim model and will recharge in just over half an hour (35 minutes) via DC fast charging.

Verge Motorcycles is entering a very competitive market, especially in Europe and the United States. In many Western countries, motorcycles are more often considered recreational vehicles than everyday vehicles. As a result, traditional motivations for choosing an electric option have been less effective; Gas prices don’t matter too much when you don’t ride often, and the loss of a motorcycle‘s signature growl and sound can be a huge loss.

The bike’s price certainly doesn’t help either, as it sits in the striking range of superbikes from traditionally popular brands like Ducati, BMW, Yamaha and others.

At least in Asian markets, electric two-wheeled transport certainly has a bright future. But in the West, it’s still unclear how the market will react to the change in powertrain technology.

What do you think of the article ? Do you have any comments, questions or concerns? Email me at [email protected]. You can also reach me on Twitter @WilliamWritin. If you have topical advice, write to us at [email protected]!

Verge TS electric motorcycle enters production






Breadwinner celebrates 10 years in business with a limited edition model – BikePortland

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Isn’t that a beauty? ! Full gallery below. (Photos: Breadwinner Cycles)

It turns out that Breadwinner Cycles is as tough as the bikes they make. The spunky company founded by former framebuilder-turned-bike messenger Ira Ryan and Utah-born mountain bike racer Tony Pereira celebrates a decade in business.

Ryan and Pereira started making bikes in 2006 and established their brands in Portland before joining forces in 2013 as Breadwinner. It didn’t take long for their combined talents and vision of building great bikes to garner national attention. Breadwinner won Bicycling magazine’s “Editor’s Choice” award in 2016 and has been riding ever since.

In 2017, they opened the Breadwinner Cafe next to their store on North Williams Avenue. It became a hub for local cyclists and was a great place for drinks and snacks, but after riding against income headwinds, Pereira and Ryan opted to close the doors in 2020. today, the store is still bustling, even without as much caffeine, largely due to the addition of the Sugar Wheel Works business they acquired in 2019.

With over 1,000 steel bikes in use around the world, Breadwinner wants to kick off its next decade. And to do that, they’ve just announced a custom-for-all version of their favorite bike, the “B-Road.” Named after the kind of roads Ryan was famous for riding when he had time to win big endurance races, the 10th Anniversary B-Road embodies the breadwinner spirit he and Pereira embody: he’s a tough and capable blue-collar man, but refined; It has just enough high-tech touches to make riding effortless, while maintaining a classic feel that creates a connection between rider and mount.

The breadwinner came out and spec’d this special limited-edition B-Road with the best parts in the business. It comes with a cool new graphics package that they say is “a nod to classic bike racing,” and can be yours for $6,995. And while you get a custom fit, you’ll still have your bike this spring thanks to a fast-track production promise.

Make yourself or someone you love very happy this holiday – and support this fundamental part of our cycling community – by grabbing one of these beautiful bikes! Learn more about it on their website.

And congratulations to Tony, Ira and the entire Breadwinner team. Your longevity testifies to the quality of your bikes and your character! Thanks for making it right.


Complete B-Road 10th Anniversary Gallery (Photos: Breadwinner Cycles):

The 15-year-old from Mondeor shines as a motorcycle enthusiast

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Kgopotso Mononyane ‘the second’, also known as KJ from Mondeor, is a motorcycle enthusiast who lives, breathes and sleeps motorcycles.

Mononyane, just 15, is a rising star who remembers his first “break” in 2017 and has never looked back.

The Waterstone College grade 9 student had had a desire to participate in motorcycling sports since the age of five, but his parents thought it was too dangerous. However, that didn’t stop KJ from expressing his interest in motorcycling and dreaming of a career on the motorcycle circuit.

KJ started racing the NSF100cc Honda Cup short-course racing series in 2017 (when he was 10) and won the championship in 2019.

KJ’s Italian personal mechanic, Daniele Petrolati, during the final race of the season at Imola.

KJ won the Clubman Championship again in 2020 and finished second in the 150 Cup, which he won the following year. Midway through the racing season in June 2021, he started competing in Italy. To date, he has won numerous motorcycle circuit championships.

Tragically, his father is no longer alive to cheer him on and witness the incredible progress KJ is making in the sport, but his mother is steadfastly by his side to help him achieve his dreams.

KJ’s father, Kgopotso Mononyane, an anesthetist, was killed in a helicopter crash in KwaZulu-Natal on January 21, 2021, along with five of his Netcare 911 colleagues, while on his way to transport a Covid patient -19 critically ill at Milpark Hospital in Johannesburg.

KJ racing is Misano’s racing circuit.

His mentor Adrian Scholtz, CEO of Motorsport South, believes KJ was “born to be a champion and honors his father’s memory with his commitment to motorcycle racing“.

“There’s nothing more satisfying and intriguing than watching a young driver hold on to their dream, chase it, and then live it. Champions are made of resilience and a burning desire to succeed. We’re so proud of KJ and honored to be by his side as he grows bigger and bigger,” said Scholtz.

KJ and his late father.

“This year MSA was able to secure funding for KJ from the Fédération Internationale de Motocyclisme, the global sanctioning body for motorcycle racing. appreciated.

MSA’s main goal, according to Scholtz, is to nurture talented young riders. “We would love to see more of our young talent competing internationally as well,” added Scholtz.

According to his mother, Kgomotso Mononyane, dedication and commitment are essential to succeed in the sport, but runners must also be professional, disciplined and follow the “rules of the game”.

KJ Manager Valerie Wikies WMS Motorsport.

“His father believed in his son’s potential so much that he signed a contract and submitted him to the Italy team the day before his death. His greatest pride was signing this contract and he told me told to always believe in our son.

“KJ will not disappoint his father. He considers this sport as a career and said he would continue in this sport, even if he was not paid,” said Mononyane.

For KJ, he wants to work harder to further his racing career, with an ultimate goal of reaching Redbull MotoGP Rookies Cup level in Europe.

“I would love to see Fabio Quartararo in action one day and spend a day with him learning a few tricks. I’m also inspired by our own MotoGP icons, Brad and Darryn Binder,” KJ said.

Race tickets for Mama Tried’s Flat Out Friday are on sale

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The Mama Tried Motorcycle Show has hosted Milwaukee’s Flat Out Friday race series since 2014. Unfortunately, the COVID-19 pandemic forced organizers to scrap their 2020 plans before moving the 2021 show to a December date. In 2023, Mama Tried will return to its traditional slot, taking over Brew City from February 17-19.

The festivities kick off with Flat Out Friday on February 17, 2023. The indoor series does not include conventional track racing, however. Held at the Fiserv Forum in Milwaukee, Wis., racers don’t run around the standard dirt oval. To help the tires adhere to the site’s concrete floors, organizers spray the course with soda syrup before competitions.

Race directors anticipate over 300 riders between the ages of 6 and 79 divided into Open Hooligan, Women’s Hooligan, Open Women’s, 50cc, Open Amateur, Pro, Electric, Boonie (Minibikes), Vintage, Brakeless, 65cc-85cc and goofball.

“Flat Out Friday is a locally owned and operated business in Milwaukee, and we are excited to bring racing back to the Fiserv Forum,” said Flat Out Friday Co-Founder Warren Heir Jr. “Flat Out Friday is as much a show just one race, and we hope to bring fun to the whole family! We have a great variety of runners of all ages and skill levels – come cheer them on!”

Those interested in watching the goofy races can purchase tickets on the Firserv Forum website. With each seat priced at a low $20, it’s an easy and affordable way to start show weekend. Like always, Harley-Davidson will be sponsoring both Mama Tried and Flat Out Friday, so expect to see your fair share of custom choppers, bobbers and flat trackers.

Whether you like flat tracking or Flatheads, the Mama Tried Motorcycle Show and Flat Out Friday bring the races ranks and Customs gather over a weekend in February. We are happy to see both events return to their places in 2023.

Should you buy a bicycle with a personal loan or a loan for two wheels

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Posted: Date Posted – 1:25 PM, Wed – Nov 16, 22

Should you buy a bicycle with a personal loan or a two-wheel loan - find out here

Future two-wheeler owners in India rely on two-wheeler loans to purchase their favorite bikes and scooters. However, earlier this year, to control liquidity and tame inflation, the Reserve Bank of India decided to raise the repo rate by 40 basis points to 4.40%. RBI has also increased the Cash reserve ratio (CRR) by 50 basis points to 4.50%. This is not good news for people who want to approach banks for two-wheeler loans. These measures essentially result in higher interest rates and higher variable rate EMIs. Additionally, the overall loan approval rate may drop because banks are not as willing to offer two-wheeled loans to applicants with low credit ratings.

Today, individuals can go to banks, NBFCs, or captive financiers for bike loans. However, a two-wheeler loan is not necessarily the only financing option available to an individual. You can also apply – and obtain a personal loan and use the loan amount to buy the two-wheeler of your choice. It’s not a nobrilliant idea, because some future bike owners apply for personal loans to finance a new two-wheeler. That said, personal loans and bike loans are inherently different and come with different frameworks.

Differences between personal loan and bicycle loan

When applying for a personal loan, you are not required to pledge your assets. That is to say, they are unsecured loans and they are generally used to meet emergencies or immediate expenses. You can get a personal loan to meet travel, medical, wedding or other expenses, and these are usually short-term loans. In addition, the documentation required to access a personal loan is less stringent and you can approach banks, NBFCs and fintech lenders to obtain a personal loan.

On the other hand, two wheeler loans are secured loans because you can avail the loan against the security of your bike. Thus, the two-wheeler remains mortgaged to the lender or the Regional Transport Office until you repay the loan in full. Additionally, some lending entities have lengthy documentation procedures and banks generally look for borrowers with good credit ratings.

Personal Loans – Advantages and Disadvantages

Before buying a two-wheeler, it is prudent to research personal loans and know the pros and cons. You can also use a Bike Loan EMI Calculator to see if you should apply for a personal loan or a two-wheeler loan. That said, hThere are pros and cons to getting personal loans to buy a two-wheeler.

Advantages

  • No warrantyUnlike two-wheeled loans, personal loans are unsecured loans. You do not have to provide any assets as collateral.
  • Zero deposit – Usually, when you apply for a two-wheeler loan, you have to pay a certain deposit. These can be RTO fees and insurance premiums, or 15-30% of the on-road price of the two-wheeler. However, you won’t have to dip into your savings to make a down payment when you take out a personal loan. Instead, you can pay for the two-wheeler using part of the loan amount.
  • Minimum eligibility criteria – The eligibility criteria for personal loans are not as strict as those for two-wheeler loans. Two-wheeled loans usually have a higher salary slab. However, you can meet the basic eligibility criteria and benefit of a personal loan.
  • 100% financing: You can finance 100% of the cost of the two-wheeler with a personal loan.
  • A significant amount: You can get up to ₹40 lakhs when you apply for a personal loan, and you can easily buy high-end premium bikes.

Disadvantages

  • Interest rates – As personal loans are unsecured loans, they tend to come with high interest rates. The interest rate also depends on your credit score. NBFCs and some banks offer two-wheeled loans at significantly lower interest rates than personal loans.
  • Repayment period – Personal loans are short-term loans and are used to meet urgent needs. Thus, they also have shorter repayment periods. However, some lenders offer up to 7 years to repay your bike loan.
  • Fees and Penalties – Personal loans tend to come with processing fees that can be significant, depending on the amount of the loan. Additionally, the lender can charge substantial penalties if you miss EMI payments.

Should you opt for a two-wheeler loan?

Personal and two-wheeled loans have their pros and cons. Bike loans, unlike personal loans, are secured loans. Therefore, the lending entities offer very competitive interest rates. Plus, you can also get tax deductions and depreciation benefits on your bike loan amount. Plus, you won’t risk racking up substantial debt, because you can ask – and get the exact amount you need to buy the bike. This can be done using a bike loan EMI calculator, and you can select the payment terms that suit you.

Personal loan vs two-wheeler loan

Both financing options allow you to buy the two-wheeler of your dreams without disrupting your savings. If you want to buy a bike immediately and don’t want to bother with lengthy documentation, you can apply for a personal loan and buy your dream bike. Likewise, you can apply for a personal loan if you do not have a good credit score (less than 750). Alternatively, if you wish to benefit from low interest rates and long repayment terms, you can request a loan two wheels. You can make a decision based on your credit profile, needs and preferences.

You can now request a two-wheeler loan online and get financing up to 100% of the on-road price of the two-wheeler by visiting Bajaj Markets. Plus, you can also benefit from low interest rates and faster processing times. This way, you can get your hands on your dream bike without worrying about interest rates or long wait times.

Indian Scout Rogue by Hardnine Choppers unveiled at EICMA

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Danny Schneider brings his riding style and performance to the Scout Rogue

Distinctive paint scheme inspired by King of the Baggers winning Indian Challenger

MINNEAPOLIS, MN – Nov. 15, 2022 – (Motor Sports NewsWire) – Danny Schneider, the man behind Hardnine Choppers, unveiled his latest custom build at EICMA Milan alongside new 2023 models from Indian Motorcycle. With its distinctive paint scheme inspired by factory King of the Baggers racers, stripped front end and performance parts, Danny’s Scout Rogue was an eye-catching addition to the Indian Scout lineup on the stand, drawing visitors for take pictures and discover the finer details.

As a former FMX star and award-winning vintage custom builder, Danny Schneider is renowned for his exciting, performance-driven customs and is no stranger to working with Indian Motorcycle. In fact, the build he considers the best ever was his 1931 Indian Scout, the bike that started his love for Indian Motorcycle, a love that was cemented with the launch of the FTR, “since then , I’m addicted,” says Dany.

Indian Scout Rogue by Hardnine Choppers unveiled at EICMA [1.1]

“My idea when I first saw the Scout Rogue, I really liked it, was performance racing – that’s where I come from – I really wanted to design it to suit my riding style. hard and we did everything we can with performance parts. We started with Öhlins front forks and Öhlins rear shock, suspension is the most important thing for me coming from a motocross background.

Modifying the triple clamps to accept Öhlins front forks, the handlebar was replaced with a 22mm taller ProTaper unit fitted with ProTaper soft grips and the Scout Rogue’s mini fairing adapted to work with the new bar placement. The stripped-down racing feel is further enhanced by miniature turn signals and the removal of the front fender.

The racing look and spec continues with Roland Sands Design performance track wheels allowing the use of two OEM discs gripped by two Beringer calipers actuated by a Beringer master cylinder/lever with Danny creating adapters and brackets tailor-made for the wheels and the braking system. For performance gains when starting and shifting, the clutch lever is also from Beringer with a quick Dynojet shifter ensuring the smoothest gear changes and a unique 2-into-1 exhaust from Jekill and accelerating Hyde soundtrack.

“I added some custom touches, reducing the main cowl to a minimum which is still safe but making it lighter and giving it a more performance look and also added wider foot pegs to accommodate to my riding style, but look closer and you’ll see the gold foil applied to the iconic engine and gas cap badges, the gold stitching on the seat that complements the stunning Vince Customs paint job.

“I’ve been building bikes for about 10 or 12 years now. But I stopped for a while because I had lost my passion a bit. When he came to the Snape, he just came back, the light came on again. Indian Motorcycle engineering is amazing, they think further than other brands. If you need to do something, it’s done very quickly. That’s what I like.

“Now all that’s left to do is set the bike up, set the suspension and go for a ride. Riding for me is everything. It’s absolute freedom.

Image credits: LUNAVERSA IG @lvahq. More images available for download at IndianMotorcycle.media. Register to access it or log in with your existing account.

Follow Danny on Instagram.

For more on Danny Schneider and his 1931 Scout, check out the press release HERE.

For more on Danny’s Indian FTR, check out the press release HERE.

For more information about Indian Motorcycle, visit IndianMotorcycle.eu and follow us on Facebook, Twitter and Instagram.

ABOUT INDIAN MOTORCYCLE®

Indian Motorcycle is America’s premier motorcycle company®. Founded in 1901, Indian Motorcycle has captured the hearts of motorcyclists around the world and has distinguished itself as one of America’s most legendary and iconic brands through unparalleled racing dominance, engineering prowess and countless innovations. and firsts in the industry. Today, that heritage and passion is reignited under new brand management. For more information visit www.indianmotorcycle.eu

INDIAN and INDIAN MOTORCYCLE are registered trademarks of Indian Motorcycle International, LLC. Always wear a helmet, protective clothing and goggles and insist that your passenger does the same. Ride within the limits of the law and your own abilities. Read, understand and follow your owner’s manual. Never ride under the influence of drugs or alcohol.

Source: Indian motorcycle

Indian motorcycle logo (300)

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Beloved Berkeley Manager Ace Hardware Turns 40

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Congratulations to one of Berkeley’s most popular people, Quentin “Chuck” Moore, the manager of Berkeley Ace Hardware, who will celebrate November 23, the 40th anniversary of the day he started working there.

He’s the kind of guy who will spare no effort, no matter how hard it takes, to make sure a customer has exactly the right tool or part for the job. The rest of the staff look up to him and treat customers the same. Don’t think customers don’t like it either.

“There’s an Ace Hardware near me,” says Ken Louie, who lives and works in San Rafael. “But I’d rather drive to Berkeley to see Chuck and the gang. I know that’s going to sound like an exaggeration, but it’s true: he’s the ultimate person, and he’s absolutely sincere about it. You talk to him and he makes you feel special. If he’s talking to someone else, he makes them feel special. Finally, I understood: it is Chuck who is special!

In fact, he would rather be called Quentin, but he’s too nice to correct anyone.

He arrives at work every morning on his classic black Harley Davidson motorcycle, but at the end of the day he doesn’t come home. Instead, he walks down the street to Berkeley High School, where he volunteers as an assistant offensive line coach for the football team.

“He gets along well with the kids,” says retired Berkeley Police Captain Waymon Jenkins, who volunteers as an assistant special teams coach. “They’re just trying to find their way in life and they have issues like anger issues. But he is able to calm them down and get their respect right away. There were a lot of games where we had fights, but that kind of thing got very cold. And for that, we have Coach Moore to thank.

“I never heard him insult a child. In fact, I never heard him swear. If a player makes a mistake, they’ll say, “Go ahead and don’t do it again,” and that’s it. He doesn’t let them skip class either. He told them, “You can’t go out into the field if you don’t have the notes; but more importantly, it’s your future. It’s really important that children understand that.

And they remember the lessons he taught them long after they grew up, as the man who coached an opposing team. Quentin didn’t recognize him until he took off his COVID-19 mask and said, “Coach Moore, don’t you remember me? You’re the reason I train because of the way you trained me.

“He also has a tender heart for the elderly,” Louie says. “He likes to help them.”

But it’s not all fun and games. As a store manager in downtown Berkeley, Quentin has had to deal with his share of crises and to that end he keeps himself dutifully up to date with his first aid training, including CPR for cardiac arrests, strokes and cases of suffocation.

He’s also had his share of celebrity clients, including Nicholas Cage, who bought a toy train; Whoopi Goldberg, who asked her to be her personal assistant for the day to keep autograph seekers away (“Sometimes she’d come in disguise, but it never worked out. People always knew who she was,” said Moore); and Stephen Hawking, who arrived with an entourage of six to check out the model trains.

“He loved those trains! The recreation department was in the basement, so we took it down in the elevator. He said, ‘You have a very nice store.’ I showed him books on trains and he bought them all.

“But it’s not about selling you stuff,” Louie says. “We have several pictures of him and our two daughters, and I noticed he had one posted on the wall near his desk. You can’t see it from the client’s side, but they can see it from where they’re sitting. My daughters met him when they were in elementary school. Now they’re in college, but they still love their Uncle Chuck. Every business needs someone like Chuck, and every person needs a friend like Chuck.

Or Quentin, if you prefer. Shakespeare was right: a rose by any other name would smell just as good.

Martin Snapp can be reached at [email protected]

Biker gang members arrested in Moss Bluff bar shooting – Reuters

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Motorcycle gang members arrested in Moss Bluff bar shooting

Posted at 11:37 am on Monday, November 14, 2022

Two members of a motorcycle gang were arrested in the early Sunday morning shooting of a woman outside a bar in Moss Bluff.

Calcasieu Parish Sheriff’s Office spokeswoman Kayla Vincent said deputies were dispatched to the bar in the 200 block of US 171 around 12:30 p.m. Sunday. When deputies arrived, they located a woman with a gunshot wound to her lower back.

During the initial investigation, it was discovered that a physical altercation involving a large number of people ensued outside the bar during which several shots were fired. Deputies located a handgun and several casings near the victim.

Vincent said deputies and detectives were able to identify and locate two of the shooters, Justin D. Wareham, 40, and John M. Lapoint Jr., 39, both of Westlake. They were arrested and imprisoned at the Calcasieu Correctional Center.

Wareham is charged with aggravated battery; and unlawful use of a dangerous weapon or instrument in the commission of a violent crime. Judge Tony Fazzio set his bail at $250,000.

Lapoint is charged with aggravated assault with a firearm; and illegal use of a weapon. Fazzio has set his bond at $200,000.

Upon further investigation, detectives have reason to believe that the altercation and shooting involved members of the Bandidos MC, a known outlaw motorcycle gang, and members of the Misfits MC.

The victim was transported to a local hospital, where he underwent emergency surgery. She is in stable condition, Vincent said.

The stock of this automotive auxiliary company doubled in just 5 months

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Shares of Fiem Industries continued their northward move, hitting a new high at Rs 2,024.95 – up 11% on BSE in Monday’s intraday trading. Over the past two trading sessions, the automotive auxiliary company’s share price soared 22% after reporting a 54% year-on-year (YoY) increase in its consolidated net profit to Rs 40, 77 crore for the quarter ended September 2022 (Q2FY23). Consolidated net sales increased by 25% year-on-year to Rs 521 crore.

In the past five months, Fiem Industries’ share price has doubled from a level of Rs 1,010. Sensex.

Fiem is one of the leading manufacturers of automotive lighting and signaling equipment and mirrors in India. Its main business comes from the two-wheeler segment of the automotive industry.

The company has a diverse product portfolio ranging from headlights, taillights, signal lights, dome lights, mirrors, wheel covers, warning triangles, complete rear fender assembly, chassis assembly, mudguards, miscellaneous parts sheet metal and plastic automobiles, canister and tilt angle sensor.

Fiem has a significant market share for the supply of automotive lighting and signaling equipment and mirrors to two- and four-wheel OEMs. The company exports automotive lighting to Honda Japan, Harley Davidson (USA and Thailand), Kubota Japan (tractors and agricultural equipment) in addition to exporting to other OEMs in Austria, UK, Germany, in Thailand, Indonesia and Vietnam. The company has a first-mover advantage and works with all major electric vehicle OEMs in India.

The company firmly believes that Electric 2W is the future of the two-wheeler industry. The speed of transformation is really encouraging. The competitive landscape among OEMs is taking a new shape, while existing OEMs have focused on new verticals and subsidiaries, new players, who only manufacture 2W electric, are also coming in with big capital and big plans of production capacity.

The Electric 2W ecosystem is growing at a rapid pace in the country and is enjoying unprecedented support and push from central and state governments, the company said.

Upstart Holdings Q3 Earnings: Time to Ditch (NASDAQ:UPST)

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martin dm

Upstart Holdings, Inc. (NASDAQ:UPST) reported a troubling double miss on sales and earnings this week, and the fintech stock suffered.

The artificial loan start-up is going through a period of slow growth in sales and loan originations, which led to a severe deterioration in Upstart Holdings’ financial metrics. The forecast for the fourth quarter is simply dire.

If the investment case for Upstart Holdings didn’t die before the third-quarter earnings report, it certainly did now.

Huge Double-Miss On Sales And Profits

Upstart Holdings largely missed profits in the second quarter of this year due to a slowdown in its core personal loan origination business.

This week, the fintech released its third quarter 22 results, and Upstart Holdings missed its sales and earnings with even bigger margins than in the previous quarter. The AI-powered lending startup reported a loss of 24 cents per share, which was significantly higher than the 8 cents per share loss predicted by analysts.

Upstart Holdings also disappointed investors by reporting third-quarter sales of just $157.2 million, compared to market expectations of $169.4 million.

Revenue calls

Earnings Calls (Upstart Holdings Inc)

The double-miss pointed out that the fintech business model is going through a painful period of transition, which has seen all of Upstart Holdings’ profit metrics drop. The transition is primarily marked by a significant slowdown in fintech loan originations, which has resulted in significantly slower sales growth.

Lending company AI’s sales fell 31% year-over-year in Q3 22 as the personal lending environment deteriorated throughout the quarter. In Q3’22, Upstart Holdings only generated $157.2 million in sales, well below its forecast of $170 million.

Upstart Holdings also reported significantly lower earnings numbers across the board from operating profit to adjusted earnings per share. One of the most compelling reasons to invest in Upstart Holdings in the past was fintech’s ability to drive profitable growth. Unfortunately, with the increase in losses in Q3’22, this reason can no longer be used to justify buying shares of the fintech.

Summary of the income statement for the 3rd quarter of 2022

Q3’22 P&L Summary (upstart Holdings Inc)

Very disappointing direction

The worst part of Upstart Holdings’ third-quarter 2022 earnings presentation was the fourth-quarter guidance, which calls for even weaker sales.

The fintech forecasts sales of $125 million to $145 million, representing a decline of at least 8% QoQ due to a slowing economy and weaker loan demand from investors.

Upstart Holdings’ forecast for the fourth quarter implies a 56% drop in sales year-on-year from the previous quarter. Additionally, Upstart Holdings is forecasting a $40 million loss in adjusted net income in the fourth quarter.

Orientation Q4'22

Guidance for the fourth quarter of 2022 (Upstart Holdings Inc)

Sales estimates may still be too high

The market expects sales of $860.1 million this year and sales growth of less than 1% year-over-year next year. As a result, sales growth has all but ceased and fintech no longer offers investors profitable growth.

Additionally, if interest rates rise and investment demand for personal loans remains weak, these estimates could still be too high.

Revenue estimate

Revenue estimate (Yahoo Finance)

Upstart Holdings is trading at 1.5 times sales, but the fintech is no longer profitable and continues to lose money, which is unlikely to change in the near term. The trajectory of sales is also very concerning, which is why UPST is expected to reach new lows in the coming weeks.

PS report

PS report (Y charts)

Why Upstart Holdings Could See a Higher Valuation

Rising interest rates have slowed demand and applications for personal loans at Upstart Holdings. To tip the scales in favor of fintech, the central bank should slow its rate hikes and reduce interest rate uncertainty.

There is little hope for Upstart Holdings to reach a higher valuation until lending recovers. Additionally, as interest rates rise, there is a greater likelihood that defaults will increase, making it even more difficult for Upstart Holdings to find investors for its loans.

My conclusion

Upstart Holdings’ Q3’22 results presentation, particularly the Q4’22 outlook, was a disaster. Clearly, the fintech sees no near-term improvement in its trading trajectory, which unfortunately points to weak origination and valuation losses going forward.

Guidance for Q4’22 implies an 8% QoQ sales decline, and Upstart Holdings no longer ticks the box for profitable growth. Because the valuation multiple remains high, investors have little reason to invest here.

Motorcycle superbrand Ducati celebrates memorable MotoGP win

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02:17

Motorcycle superbrand Ducati is still celebrating its momentous victory in MotoGP, the biggest road racing event in the world.

After a difficult start to the season, Francesco Bagnaia, 25, won the last race in Valencia on Sunday.

Speaking to CGTN Europe at the Milan Motorcycle Show, Bagnaia – affectionately known as ‘Pecco’ – said he had yet to realize the magnitude of the victory.

“After all these years it’s still hard to understand what we did because it was an incredible result for the whole team, so I’m very happy and very proud of my team.”

China is now the fastest growing <a class=market for Ducati. /CGTNEurope” layout=”responsive”/>

China is now the fastest growing market for Ducati. /CGTNEurope

China is now the fastest growing market for Ducati. /CGTNEurope

The team will be welcomed by Italian President Sergio Mattarella at the Quirinal Palace next Wednesday. Ducati CEO Claudio Domenicali says it’s a moment of national pride.

“The whole country is now on fire because everyone is so proud to have the best rider and the best bike.

It was also an outstanding year for Ducati off-road with record sales, and China as the brand’s fastest growing market. Domenicali says they are committed to the Chinese market because of its high potential.

“The Chinese love Ducati and in China we are the number one brand in the world of motorcycling. in China,” he said.

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Ducati is among 1,300 brands present at this year’s International Motorcycle and Accessories Show in Milan, the industry’s largest show. The EICMA exhibition dates back to 1914 and represents more than 45 countries. Ducati’s success makes this year’s event particularly special.

EICMA President Pietro Meda is happy with Ducati's victory and what it means for Italy's reputation on the international motorcycling scene.  /CGTNEurope

EICMA President Pietro Meda is happy with Ducati’s victory and what it means for Italy’s reputation on the international motorcycling scene. /CGTNEurope

EICMA President Pietro Meda is happy with Ducati’s victory and what it means for Italy’s reputation on the international motorcycling scene. /CGTNEurope

EICMA President Pietro Meda said it was a victory respected throughout the industry: “Even the competitors cheered Ducati and we think the show is a great demonstration of ‘Made in Italy” for sale worldwide.”

Experts say the biggest challenge facing the industry is its green transition. Domenicali explains that Ducati wanted to start its electric era with a high-performance motorcycle before considering a production model: “For us, the MotoE project is a kind of test project. We want to develop competence in a real environment, not only in a prototype.”

Other solutions such as synthetic fuels are also being studied.

In the meantime, the team is aiming for another victory, at the Superbike World Championship in Indonesia on Sunday.

Cover image: Ducati’s Francesco Bagnaia sealed victory in the final MotoGP race this week. /CGTN Europe

Chinese bicycle manufacturer QJ Motor officially debuts in India

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India is no stranger to QJ Motor, or rather its products. Various sub-brands belonging to the Chinese two-wheeler maker – such as Benelli, Keeway, Moto Morini and Zontes – have already been introduced in India by Adishwar Auto Ride. But now Adishwar has seen fit to bring the main brand itself to the country. QJ is already present in 130 countries around the world and has sold over a million bikes worldwide. The company has an extensive portfolio of motorcycles ranging from small 110cc steppers to scooters and bikes all the way up to 1200cc machines.

As for their projects in India, Adishwar Auto plans to start with four products, which will arrive in India via the CKD (Completely Knocked Down) route and will be sold at Moto Vault showrooms in Adishwar. These products will range from 250cc to 500cc, namely, the SRC 250, SRC 500, SRV300 and the SRK 400.

The SRC 250 and 500 are part of the company’s range of classic style motorcycles, with the SRC 500 bearing a strong resemblance to the Benelli Imperiale, although this is fitted with a 480cc single-cylinder air-cooled engine developing 25, 5hp and 36Nm. The SRC 250, on the other hand, has a few more neo-retro design cues and is powered by a 250cc air/oil cooled single cylinder engine that produces 17.4hp and 17 Nm. While both bikes have wire-spoke wheels and disc brakes up front, the 500 gets a drum in the rear, while the 250 gets a rear disc. The 250 also gets an offset single-module digital instrument cluster, while the 500 gets an old-school analog two-module pukka instrument cluster.

The SRV 300 is an interesting little cruiser powered by a liquid-cooled 296cc V-twin engine good for 30.3hp and 26Nm. Even in design terms, it looks like a properly scaled-down Harley-Davidson Roadster. It uses disc brakes at both ends and an inverted fork as well. With Harley Davidson‘s small-capacity cruiser quite far down the road, the SRV 300 may well end up becoming the mini-Harley that many Indians dream of.

QJ Motors’ SRK 400 is the most modern bike of the lot, and it looks like it was built to do battle against KTM 390 Dukes. That said, it packs a 400cc parallel-twin engine that makes 40.9bhp and 37Nm. It also packs a lot of goodies, such as a USD fork and dual petal disc brakes up front. The chassis is a trellis frame unit with an offset monoshock (which is quite reminiscent of the Benelli TNT 300). The downside of all this equipment, however, is a rather high empty weight of 186 kg.

We expect these bikes to hit showrooms in late November or December 2022. And of course, we’ll have more details on these bikes as well as expected pricing soon. So stay tuned!

Cold Weather Motorcycle Gear: 10 Products to Keep Riding This Winter

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Do you pour fuel stabilizer into your tank and lock your bike in the shed for the season? Expect! With this gear, you can keep riding in the cold, wet and dark months ahead.

Getting cold while riding a motorbike is total misery. But there is a whole other problem; even if you are (wo)man enough to brave the cold, do you really feel safe? Are you in top shape for quick maneuvers if needed? Is your brain working properly?

Our top 10 list for the best cold weather motorcycle gear can help extend the riding season safely and comfortably.. We’ll assume you already have the basic essentials, like a riding jacket and pants with crash, cold and rain protection, and build your winter riding system from there.

Dave Sears woke up to his F800GS covered in snow along the Utah BDR; (photo/Dave Sears)

10 Best: Cold Weather Motorcycle Riding Gear

REI Co-op Half-Zip Midweight Baselayer

cold weather motorcycle clothing half zip REI

Get comfortable with quality base layers. Layering is the cornerstone to keeping you warm all day long. During the colder months, always keep cotton wool away from your skin. If cotton gets wet from sweat or the elements, it can chill you to the bone and put you on the path to hypothermia. The best solution is a synthetic or wool base layer.

One of my favourites, which has lasted for many years, is the REI Co-op Half-Zip Midweight Baselayer ($60). I like these half-zip designs because if I’m riding aggressively off-road or hiking to a point where I’m warming up, the zippered portion near my neck allows for ventilation. If I sweat, the moisture is wicked away from my skin to keep me dry and comfortable.

Get the match REI Co-op Midweight Basecoat ($55) to keep your butt and legs warm.

Check price at REI

Aerostich Windstopper Electric Vest

Aerostitch Cold Weather Heated VestA heated vest (or jacket) is an essential addition to cold weather motorcycle gear to keep your core warm. A proven and popular heated vest for decades is the Aerostich Windstopper Electric Vest ($197).

One of the reasons your fingers and toes get cold is that your body is trying to keep your core at a survival temperature. When your heart stays warm, your blood continues to circulate and your circulatory system operates in normal mode rather than survival mode. Simply put: a warm core means more heat (through blood flow) to your extremities.

Check the price at Aerostich

Hippo Hands Motorcycle Hand Covers

HippoHands Cold Weather Motorcycle Gear

Want a low-tech solution to keep your hands warm and dry? Hippo Hands motorcycle hand covers are just that. With Hippo Hands, your hands are protected from the elements while giving you access to your controls.

I tested the Backcountry model ($129) and was very impressed with how effective they were even standing on the stakes. They also have other models for street bikes that provide even more coverage.

Check the price at Hippo Hands

Patagonia Micro Puff

Cold Weather Motorcycle Gear Quilted Jacket

If your riding jacket does not come with a zipped insulated liner, you will need to find a mid layer to help retain core heat or opt for the heated vest above. By far my favorite is the Patagonia Micro Puff ($280).

This jacket is my go-to for all my outdoor activities. It stays warm when wet, is extremely light and packable when stored, and is comparable to down in terms of keeping warm.

Remember this rule of winter riding: you can always take the layers off and put them in a satchel or backpack if you’re too hot, but if you don’t have it with you when it’s cold, well , you will be cold .

Check price at BackcountryCheck price at Patagonia

Koso Apollo Heated Grips

Heated grips for cold weather motorcycle gear

If you’ve ridden in cold weather, you know that the very first thing that gets freezing cold are your fingers. Several times I had to pull over and warm up my hands near the muffler to regain enough feel to use my brake and clutch. This is real desperation.

The Koso Apollo Heated Grips ($145) offer a solution to this problem. These heated grips are a nice piece of equipment for motorcycle rides in cold weather. They have an integrated switch built into the handle. This means your hands stay put while you turn on the handles or adjust the heat to one of five different temperature settings.

Check the price on ProCycle

Hydro Flask 24oz Standard Mouth

hydroflask cold weather motorcycle gear
(Photo/Mathew Sturtevant)

Why not stay warm from the inside out in cold weather? There’s something really comforting about remembering that a hot drink is waiting for you at your next rest stop, wherever you are. The 24 oz standard mouth Hydro Flask’s insulated bottle ($40) will keep your hot chocolate hot and ready to serve for up to 6 hours. These bottles are made of durable stainless steel and will last for years.

Check price on REI Check price on Backcountry

Merino wool neck warmer by Buff

Cold Weather Motorcycle Gear Neck Buff

The space above your jacket collar and under your helmet is a vulnerable area where the cold can seep in. Wrap it in a Merino wool neck warmer by Buff ($42). These neck warmers are great cold weather motorcycle gear due to their versatility.

You can even pull it up over your nose if your face is cold. Or, wear it as a hat when your helmet is off or you’re in a sleeping bag. Merino wool doesn’t itch and is actually quite soft to the touch, not to mention warm.

Check the price on Amazon

Klim Badlands GTX Long

Klim Cold Weather Motorcycle Gloves

I cannot stress the importance of keeping your hands warm and dry. After trying several gloves that ended up soaking or weren’t very durable, I was pleased to find a solution that really stood out among other options.

The Klim Badlands GTX Long ($250) gloves offer durability in a gauntlet-style glove that extends over the sleeves of your jacket. Because they feature GORE-TEX, you can be sure they’re waterproof. These gloves aren’t cheap but worth every penny on those wet and miserable days.

Check the price at Klim

Smartwool Classic Extra Cushion Socks

Cold Weather Motorcycle Gear Smart Wool SocksAfter cold hands, another problem can be cold feet. Smartwool Classic Extra Cushion Socks ($24) can help keep those little piggies toasty warm.

Wool has been used for decades due to its warm properties in winter. It has durable fibers that stay cool and insulated in miserable conditions, and thick socks create an air space in your boots that your body warms through circulation.

As well as keeping you warm, if they get wet, the absorbent natural fibers have the added benefit of keeping odors to a minimum, which is nice when sharing a tent or hotel room after a long day of riding.

Check price on BackcountryCheck price on Smartwool

Grabber Excursion Pack

Clamp for cold weather motorcycle gear

Sometimes simplicity is a beautiful thing. Let’s say your bike broke down or you had some electrical issues that rendered your heated grips or heated vest useless. Grabber’s Chemical Hand/Toe/Body Warmers are a good idea to keep as a backup plan in your tank bag in case you need them.

The Grabber Excursion Pack ($25) gives you eight each of their peel and stick hand warmers, toe warmers, and body warmers. Heats typically last up to 12 hours, according to the company’s website.

Check price on AmazonCheck price on Backcountry

Cold Weather Motorcycle Gear: It’s Not Just About Warmth

motorcycling in cold weather
(Photo/Mathew Sturtevant)

Warmth is not only a matter of comfort while driving, it is also a matter of safety. When you’re cold, you tend to stiffen your muscles, especially your arms and shoulders. This can be problematic when trying to control your bike in more delicate sections or emergency situations. It can also lead to fatigue, another dangerous driving condition.

Staying warm means riding safer and more comfortable, whatever the temperature. Purchasing cold weather specific motorcycle gear can be a boon.

To note: With all this plug-and-play gear, you’ll need to be careful not to overcharge your bike’s battery. Be sure to turn everything off and unplug items from outlets when your motorcycle is not running.

Now get out there and ride warm!

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Harley Owners Support Launch of CKD Education Center

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A convoy of Harley Davidson riders is mounted to support the opening of the Chronic Kidney Disease Education Center by the National Kidney Foundation (NKF) of Malaysia.

Members of the HTC Motorcycle Group (HTC) traveled from Kuala Lumpur to Ipoh to attend the launch.

HTC and Yayasan Dialisis Pendidikan Akhlak Perak were the main sponsors for the establishment and renovation of the center. HTC Motorcycle Club members raised RM16,450 to cover renovation costs.

The motorcycle club, which has more than 150 Harley Davidson owners, supports NKF Malaysia since 2017, having already donated four dialysis machines.

According to the latest statistics from the Malaysian Dialysis and Transplant Registry, there are over 49,111 dialysis patients in the country. Each year, approximately 8,000 new patients are diagnosed with kidney disease, and this number is expected to rise. The majority received hemodialysis and the remaining patients received peritoneal dialysis.

A national study on the prevalence of Chronic Kidney Disease (CKD) in Malaysia published in 2020 found that knowledge of the diagnosis of CKD was still low at 5%. An increasing number of people with CKD are unaware they have it until later stages when symptoms begin to appear.

Chronic Kidney Disease Education Center

The center aims to provide information and support regarding dietary and lifestyle changes for patients, especially for the disadvantaged. Among his services, he helps patients choose the best renal replacement therapy, which includes palliative care, peritoneal dialysis, hemodialysis, and kidney transplant.

The center will also lend patients equipment such as glucometers and blood pressure monitors so they can monitor their health at home.

“Today marks another achievement for us as we open this CKD education center in Ipoh,” said Khor Xin Yun, CEO of NKF Malaysia. She said the NKF has significantly increased its resources to promote early detection and prevention of kidney and kidney-related diseases through the establishment of regional units.

“We can now continue our health screenings, outreach activities and intervention programs in suburban and rural areas,” Khor added.

NKF Malaysia is a charitable non-profit organization that helps Malaysians with end-stage kidney disease who do not have access or cannot afford dialysis treatments. It currently helps more than 1,700 dialysis patients receive subsidized dialysis treatment at 29 dialysis centers across the country.

Till Debt Do Us Part: Couple regret taking out RM40,000 personal loan for wedding ceremony

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Should you take out a personal loan to finance your wedding?

Logically, it doesn’t make sense for the bride and groom to spend beyond their means.

But that didn’t stop a woman from taking out a personal loan worth RM40,000 for a lavish wedding.

She shared on social media that it was not her decision.

It was her parents who insisted on a grand wedding ceremony.

Its sharing on the social site Twitter @ConfessTweetMY echoed with netizens.

Hi, admin, I want to share a story. Please do not reveal my profile. I’ve only been married six months. During these six months, I cried more than I was happy. It all started before the wedding when my parents forced me to take out a loan for the wedding.

The woman expressing regret for taking out a personal loan to fund her wedding.

Her husband is a clerk and she works under government contract.

She had told the parents that she wanted to throw a small party, inviting up to 100 people.

His parents disagreed because many of their relatives and friends had to be invited.

When she resisted the idea, her parents questioned her husband’s ability to care for her after marriage.

My husband (at the time as a fiancé) was discouraged when he found out. He sat down and discussed with my parents how many people would be invited. After counting, the number was 1,000 people and they wanted it to take place in a hotel. My parents suggested my husband to take a personal loan of RM40,000 if he wants to get married.

The woman on how money became a condition for them to marry.

Too late for regrets

Eventually, her husband took out a loan and the ceremony took place.

His parents are happy that many friends have come to greet the “big” ceremony.

The woman also said they were both stuck with heavy personal loan debt.

Right now we are having trouble repaying the loan. The husband returns to work and continues to do the food delivery service. I also sell as a dropshipper online but the sales are poor, sometimes there are none.

The wife revealing the financial consequences of their “borrowed” marriage.

She added that her husband was happy, but he is not anymore because of work fatigue and the constant burden of repayment.

The sharing elicited various reactions from virtual citizens.

Most sympathize with the fate of the couple who seem to be victims of circumstance.

Some said that if it was a Chinese wedding, the guests would give red envelopes (ang pow) to cover the wedding expenses.

Traditionally, the standard amount of money to put in a red envelope is at least equal to the cost of the meal at a Chinese wedding banquet.

Sometimes couples profit even if they receive a large sum.

READ MORE: RM2,200 per table: Facebook user slams wedding guests for giving less than RM300 to Ang Pows

The concept of moderation in Islam

In the meantime, some regret that the mentality of the Malays still wants the male side to be responsible for the cost of weddings.

Islamic matchmaker Zuhri Yuhyi said that the hadith (sayings and teachings of the Prophet Muhammad as) tells Muslims that the “walima” (the wedding banquet) should be held in moderation without overdoing it.

Islamic Dating Advisor Zuhri Yuhyi.

He said couples should never start their married life in debt because they already have other financial responsibilities.

A wedding can certainly do without extensive planning, frills and hassle. The marriage that produces the most blessings is the one with the fewest burdens.

Islamic dating adviser Zuhri Yuhyi to TRP on spending within his means.

Zuhri said the couple’s predicament was all too common.

He said some families would splurge for a wedding, so as not to “lose face” in the community.

It’s always a question of money

This is becoming a trend within the Malay community these days where the amount of bride price is based on the academic level of the bride.

The higher the level of education, the higher the marriage dowry.

This is said to be the reason why Malaysian men marry late these days.

Do you agree with this culture?


Share your thoughts with us via TRP Facebook, Twitterand instagram.

2022 Benelli TRK 800 arrives with stunning looks: Check the specs

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2022 Benelli TRK 800 arrives with stunning looks: Check the specs

10 November 2022, 00:05
2 minute read

Benelli TRK 800 flaunts an eyebrow-shaped LED DRL (Photo credit: Benelli)

Italian bicycle manufacturer Benelli has unveiled the new TRK 800 model at the ongoing EICMA motor show in Milan, Italy. The updated model features slightly revised styling and new wire-spoke wheels with tubeless tires.

The ADV retains the overall aggressive design philosophy of the outgoing model. It remains mechanically unchanged and features the same 754cc twin-cylinder engine as the outgoing model.

Why is this story important?

  • Benelli is one of the oldest motorcycle brands in the world. The Italian brand is known for offering performance-oriented bikes at a relatively good price-performance ratio.
  • The TRK line of motorcycles is growing in popularity with people looking for mid-weight ADVs with the appeal and presence of a liter-class offering.
  • The TRK 800 competes with Triumph Tiger 900, Ducati Multistrada V2 and KTM 890 Adventure.

ADV sports spoke wheels and a full LED lighting setup

The Benelli TRK 800 has a typical ADV silhouette and sits on a trellis frame.

It features a prominent beak, muscular fuel tank with tank extensions, dual LED headlights with eyebrow-shaped DRLs, straight windshield, wide handlebars, split-type seats, upswept exhaust and taillight. stylish LED rear.

The motorcycle is equipped with an LCD instrument panel and rolls on wire spoke wheels with tubeless tires.

It draws its power from a 754 cc twin-cylinder engine

The TRK 800 is backed by a liquid-cooled 754cc twin-cylinder engine from the Leoncino 800. The mill generates a maximum power of 77hp at 8,500rpm and a maximum torque of 67Nm at 6,500rpm. Transmission duties are handled by a 6-speed gearbox with a slipper clutch.

It is equipped with disc brakes on both wheels

To ensure rider safety, the TRK 800 is equipped with disc brakes on the front and rear wheels, as well as dual-channel ABS for better braking performance.

Suspension duties on the bike are taken care of by 50mm Marzocchi inverted forks up front and a preload-adjustable mono-shock unit in the rear.

As for the price, the details of the Benelli TRK 800 are not yet announced by the Italian bikemaker. We expect the bike to be priced around Rs. 8.5 lakh (ex-showroom) when it launches in India.

From Royal Enfield Classic 350 to Yezdi Adventure; Top 5 Cruiser Bikes in India 2022

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Motorcycles are a great way to get around, and they’re a lot of fun too. Speaking of cruiser bikes, they are a great option for those who want a motorcycle that is both comfortable and stylish. With its impressive list of features and comfortable touring capabilities, it is easy to see why this bike is so popular among all Indian riders.

If you’re looking for a comfortable ride to get around town or on long trips across the country, cruiser bikes will serve you well. There are many different cruiser bikes on the market, but finding one that’s affordable while still filling your checklist can be tricky. Here are five of the best cruiser bikes under 3 lakh available in 2022.

1. Royal Enfield 350

One of the oldest and most popular cruiser bikes on the market is the Royal Enfield Classic 350. The bike has a 349cc engine that produces 28Nm of torque at 4000rpm and 19.36hp of power at 5250 rpm.

There are five different color options for the bike: Redditch, Halcyon, Signals, Dark, and Chrome. The Redditch, the entry-level model, costs Rs1.84 lakh (ex-showroom), while the Chrome, the most expensive model, costs Rs2.21 lakh (ex-showroom).

Mileage: 35 kpl

2. Yezdi Adventure

Another cruiser bike with more of an adventure bike look and a powerful motor is Yezdi Adventure. The motorcycle is equipped with a 334 cc engine which can produce the maximum power of 30.2 hp at 8,000 rpm and the maximum torque of 29.9 Nm at 6,500 rpm.

The bike is available in three different variants, including Adventure Slick Silver, Adventure Ranger Camo, and Adventure mambo Black. The Adventure Ranger Camo is the top model and is available at the price of Rs. 2.2 lakh (ex showroom).

Mileage: 30 Kpl

3. Benelli Imperial 400

Speaking of the Benelli Imperiale 400, it’s a high-end cruiser bike with dashing retro looks and a powerful motor. The motorcycle is equipped with a powerful 374cc engine that can produce a maximum power of 21hp at 6000rpm and a maximum torque of 29Nm at 3500rpm.

The price range of the Benelli Imperiale 400 is between 1.89 to 2.11 lakhs (Ex-showroom). There are 3 variants of the Benelli Imperiale 400, namely silver, red and black.

Mileage: 36.65 Kpl

4. Honda H’ness CB350

In order to compete with Royal Enfield in the 350cc class, Honda unveiled the H’ness CB350. The bike has a respectable 348cc engine with respectable peak outputs of 21PS at 5500rpm and 30Nm at 3000rpm.

In terms of availability, there are three different bike models, DLX, DLX PRO and H’ness Anniversary Edition. You should expect to pay around Rs 205,679 for the top-end model.

Mileage: 45.8 km/h

5. Jawa 42 2.1

Yet another cruiser bike that has gained popularity lately. The Jawa 42 2.1 features a 293cc liquid-cooled engine that can produce a maximum power of 27.33 Ps and a maximum torque of 27.02 Nm.

The bike is available in one variant and 6 different color options: Galactic Green, Halley’s Teal, Lumos Lime, Starlight Blue, Comet Red and Nebula Blue. The bike will cost you between Rs 1.65 and Rs 1.84 Lakhs.

Mileage: 34 kmpl

Rise in Global Per Capita Income to Boost Motorcycle Popularity at a CAGR of 3.8%, Fact.MR states

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DONE.MR

Transition to new emission standards to impact motorcycle sales in short term

Rockville, Nov. 08, 2022 (GLOBE NEWSWIRE) — According to Fact.MR, a market research and competitive intelligence provider, the global motorcycle market is estimated to be worth US$98.8 billion in 2022 and is expected to expand at an impressive CAGR of 3.8% over the forecast years 2022-2032.

Due to the increase in disposable income of people in rural areas and the lack of a well-established public transportation system, the demand for motorcycles and scooters has increased significantly in rural areas. The road infrastructure of rural areas is still at its primitive stage compared to urban areas. To meet the need for mobility in rural areas and overcome the high selling prices and tax rates of four-wheelers, consumers are turning to motorcycles, thereby increasing their demand and subsequently contributing to the growth of the market.

Download a sample copy of this report –

https://www.factmr.com/connectus/sample?flag=S&rep_id=7

Moreover, motorcycles are becoming more and more preferred not only for personal use but also for adventure and touring activities. In order to avoid traffic jams and have an open-air feeling, tourists prefer four-wheeled motorcycles as a means of transportation.

Cruiser bikes are popular among tourists. This factor is one of the major factors responsible for the high sales of motorcycles, thus driving their growth in the market. Due to traffic problems in almost all urban areas, local citizens also prefer motorbikes for daily commuting with four wheels, which is another popular driver of the market.

Key insights from market research

  • The global motorcycle market is expected to grow at an impressive CAGR of 3.8% and be valued at $144 billion by 2032.

  • The market witnessed a CAGR of (1.5)% for the period 2017-2021.

  • Under type, the standard motorcycle dominates the market and is valued at US$50.6 billion in 2022.

  • Asia-Pacific and Latin America led the market with 68.7% and 8.5% market share in 2021.

  • Combined, bikes with a capacity of 150-300cc and up to 150cc are expected to account for 61.4% market share in 2022.

  • Depending on the region, demand for motorcycles is expected to grow at CAGRs of 3.0% and 3.5%, respectively, in Europe and North America.

Get customization on this report for specific research solutions –

https://www.factmr.com/connectus/sample?flag=RC&rep_id=7

Market development

Over time, motorcycle technology has evolved considerably. For example, the majority of major manufacturers are increasing the production of electric motorcycles in place of traditional motorcycles powered by fossil fuels. Electric motorcycles were quite expensive when they first appeared on the market. However, as more companies get involved in creating custom designs and improving functionality, their pricing has become more reasonable.

In the industry, there has been a trend away from standard motorcycles, and more and more people are choosing retro-looking motorcycles. Although vintage motorcycles were great in their heyday, the motorcycle industry has seen significant advancements in technology. For this reason, motorcycle manufacturers are creating retro-inspired motorcycle designs with better and more modern features.

Competitive landscape

The motorcycle manufacturers are Yamaha Motor Co., Ltd, Suzuki Motor Corporation, Honda Motor Company Ltd., Hero MotorCorp Limited, Eicher Motors Limited, TVS Motor Company Limited, Harley Davidson Motor Company Inc., Bajaj Auto Limited, Ducati Motor Holding SpA , Expleco Limited, Kawasaki Heavy Industries Ltd., Triumph Motorcycles Limited, BMW AG, KTM AG, Polaris Industries Inc, Lifan Industry (Group) Co., Ltd. The world’s leading manufacturers of motorcycle products use sustainable technologies and optimization systems for various end users. . Leading manufacturers are focusing on developing new product designs to solve product placement issues in harsh driving environments. Additionally, expertise and professionalism in planning, designing and delivering a minimum level of pollution are core to their marketing strategies.

  • In January 2020, Red Bull KTM Factory Racing’s Tom Vialle was crowned the 2020 FIM MX2 Motorcross World Champion. The company began investing more to launch more products over the next few years.

  • In May. In 2019, Bajaj Auto Limited launched its new extensive line of motorcycle equipment such as DTS-i, full LED headlight with vertical auto headlight on, dual projector headlights, etc.

Fact.MR provided detailed information on the prices of major motorcycle manufacturers positioned in all regions, sales growth, production capacity and speculative technological expansion, in the recently released report.

Get free access to the full report –

https://www.factmr.com/checkout/7

Motorcycle Industry Research Segmentation

  • By type:

    • Adventure

    • Cruiser

    • Mopeds

    • Sports

    • Standard

    • Tour

  • By capacity:

    • Up to 150cc

    • 151-300cc

    • 301-500cc

    • 501-800cc

    • 801-1000cc

    • 1001-1600cc

    • Above 1600 CC

  • By region:

    • North America

    • Latin America

    • Europe

    • Asia Pacific

    • AEM

More valuable information about the offer

Fact.MR, in its new offering, presents an unbiased analysis of the global motorcycle market, showcasing historical market data (2017-2021) and forecast statistics for the period 2022-2032.

The study reveals essential information based on motorcycle type (Adventure, Cruiser, scooter, sport, standard, touring), engine capacity (up to 150 CC, 150-300 CC, 301-500 CC, 501- 800 CC, 801-1000 CC, 1001-1600 CC, above 1600 CC), in major regions of the world (North America, Latin America, Europe, Asia-Pacific, Middle East and Africa).

Check out other related studies published by Fact.MR Research:

Water Bike MarketThe global water bike market is expected to surpass a valuation of US$24.2 million in 2022 and expand further at a CAGR of 25% to reach US$225.8 million by the end of 2032. hydrofoil water bike for recreational activities is likely to account for almost a quarter of the global water bike market by the end of 2022.

motorcycle accessories market – The global motorcycle accessories market is expected to be valued at US$8.84 billion in fiscal year 2022, from US$8.39 billion in 2021. Over the past year, the industry has recorded a year-on-year increase of 5.3%. From 2022 to 2032, sales of motorcycle accessories are poised to flourish at a CAGR of 6% to reach a value of US$15 billion by the end of 2032.

motorcycle filters market – The global motorcycle filters market is poised to register a CAGR of 6.2% during the forecast period 2017-2022. Filters play an important role in the engine of any automobile, and motorcycles are no exception. When engine oil or any other lubricating oil circulates inside the engine, it accumulates various types of dirt particles that damage the engine.

Motorcycle suspension system brandt – According to a recent study, the market for motorcycle suspension systems is expected to register moderate growth over the forecast period owing to the increasing frequency of suspension replacement, population growth and increased demand for comfort that is expected to drive the growth of the market. It is also estimated that the growth of the e-bike industry in the European region will drive the demand for motorcycle suspension systems.

Motorcycle Monoshock Suspension MarketThe motorcycle industry is attracting more and more motorcyclists to new and improved vehicles in recent times. With major automotive innovations and developments, the need for efficient, durable and reliable components including monoshock motorcycle suspension to deliver improved motorcycle performance is gaining importance. The motorcycle monoshock suspension market is driven by these product innovations that require enhanced additive components to improve the performance and end-use experience of motorcyclists.

About Fact.MR

Fact.MR is a market research and advisory agency with deep expertise in emerging market intelligence. Covering a wide range – from automotive and industry 4.0 to healthcare, technology, chemicals and materials, even to the most specialized categories. We are committed to providing information that helps companies better understand their target markets. We understand that making sense of the vast maze of data can be overwhelming for businesses. That’s why focus on offering information that can really make a difference in terms of results.

Specialties: Competitor Tracking, Custom Research, Syndicated Research, Investment Research, Social Media Research, Business Intelligence, Industry Analysis, Thought Leadership.

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Today’s mortgage, refinance rate: November 6, 2022

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Insider experts choose the best products and services to help you make informed decisions with your money (here’s how). In some cases, we receive a commission from our our partners, however, our opinions are our own. Terms apply to offers listed on this page.

Homebuyers have struggled to find affordable housing as mortgage rates hit 20-year highs. But as markets settle on expectations of further hikes from the Federal Reserve, mortgage rates may not rise much further this year.

Mortgage rates fell this summer as investors interpreted the Fed’s comments as a sign that the central bank might be preparing to back away from aggressive hikes in the fed funds rate. But as inflation continued to soar, Fed Chairman Jerome Powell made it clear that the central bank would not stop raising rates until price growth slowed to a low. more acceptable level. This contributed to the rise in rates.

In his press conference last week, Powell twice used the phrase “very premature” when talking about a potential pause in rate increases.

Until inflation starts to ease, mortgage rates are likely to stay high. But because the market priced in expectations of future Fed hikes, they may have finally peaked.

Today’s Mortgage Rates

Type of mortgage Average rate today
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Today’s Refinance Rates

Type of mortgage Average rate today
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mortgage calculator

Use our free mortgage calculator to see how today’s mortgage rates will affect your monthly and long-term payments.

mortgage calculator

$1,161
Your estimated monthly payment

  • pay one 25% a higher down payment would save you $8,916.08 on interest charges
  • Lower the interest rate by 1% would save you $51,562.03
  • Pay an extra fee $500 each month would reduce the term of the loan by 146 month

By plugging in different terms and interest rates, you’ll see how your monthly payment might change.

Projection of mortgage rates for 2023

Mortgage rates started to recover from historic lows in the second half of 2021 and have risen more than three percentage points so far in 2022. They will likely remain near current levels for the remainder of 2022.

But many forecasts predict that rates will start falling next year. In their latest forecastFannie Mae researchers have predicted that rates are currently peaking and that 30-year fixed rates will decline to 6.2% by the end of 2023.

The Mortgage Bankers Association also noted that a recession in the first half of 2023 could cause rates to fall even faster. He currently estimates that there is a 50% chance that a mild recession will materialize next year.

The decline in mortgage rates in 2023 depends on the Federal Reserve’s ability to control inflation.

In the past 12 months, the consumer price index increased by 8.2%. This is only a slight slowdown from the previous month’s numbers, meaning the Fed will likely need to continue to aggressively raise fed funds rates to bring prices down significantly.

As inflation slows, mortgage rates will likely start to come down as well. If the Fed acts too aggressively and engineer a recession, mortgage rates could fall further than currently forecast. But rates are unlikely to fall to the historic lows that borrowers have enjoyed over the past two years.

Should I get a HELOC? Advantages and disadvantages

If you’re looking to tap into the equity in your home, a HELOC might be the best way to do it now. Unlike a cash refinanceyou won’t have to get a whole new mortgage with a new interest rate, and you’ll probably get a better rate than with a home equity loan.

But HELOCs don’t always make sense. It is important to consider the advantages and disadvantages.

HELOC Benefits

  • Only pay interest on what you borrow
  • They usually have lower rates than alternatives, including home equity loans, personal loans and credit cards
  • If you have a lot of equity, you could potentially borrow more than you could get with a personal loan.

Against HELOC

  • Rates are variable, which means your monthly payments could increase
  • Withdrawing equity from your home can be risky if the value of the property drops or you fail to repay the loan
  • The minimum withdrawal amount may be more than you wish to borrow

When will real estate prices go down?

House prices are starting to drop, but we probably won’t see huge drops, even in a recession.

The S&P Case-Shiller Home Price Index shows that prices are still up year-over-year, although they fell on a monthly basis in July. Fannie Mae researchers expect prices to fall 1.5% in 2023, while the MBA expects prices to rise 2.8% in 2023 and 2.1% in 2024.

Skyrocketing mortgage rates have pushed many promising buyers out of the market, slowing demand for home purchases and putting downward pressure on home prices. But rates could start falling next year, taking some of that pressure off. The current housing supply is also historically lowwhich will likely prevent prices from falling too far.

What happens to house prices in a recession?

House prices generally fall during a recession, but not always. When this happens, it’s usually because fewer people can afford to buy homes and weak demand forces sellers to lower their prices.

How much mortgage can I afford?

A mortgage calculator can help you determine how much you can afford to borrow. Play around with different house prices and down payment amounts to see how much your monthly payment might be, and think about how that fits into your overall budget.

As a general rule, experts recommend spending no more than 28% of your gross monthly income on housing expenses. This means that your total monthly mortgage payment, including taxes and insurance, should not exceed 28% of your pre-tax monthly income.

The lower your rate, the more you can borrow, so shop around and Get pre-approved with many mortgage lenders to see who can offer you the best rate. But remember not to borrow more than your budget can comfortably support.

Report of an accident involving a motorcycle on Vine Street in Hartwell

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Reports of an accident involving a motorcycle on Vine Street in Hartwell



THIS NEW. FAIRFIELD TOWNSHIP POLICE RELEASING VIDEO OF THIS OFFICER INVOLVED IN SHOOTING THE OTHER DAY. THANK YOU SO MUCH FOR JOIN HERE AT FIVE. I AM MIKE DARDIS. GOOD EVENING TO YOU. I’M SHEREE PAOLELLO SO AT THE VERY TIME WE HEAR A CRISIS WORKER’S APPEAL TO THE POLICE ABOUT THIS SUSPECT WLWT NEWS 5. RACHEL WERTHEIMER LIVE FOR US IN FAIRFIELD TOWNSHIP TONIGHT WITH NEW VIDEO AND WHAT WE ALSO LEARN ABOUT PAST CALLS TO THIS HOUSE. RACHEL, MIKE, ENTRANCE, FAIRFIELD TOWNSHIP POLICE NOW RELEASE BODY WORN CAMERA CRUISER, CAMERA AND 911 CALLS WHICH WERE MADE AFTER A SUSPECT WAS SHOT BY POLICE. THIS ALL HAPPENED ON WEDNESDAY NIGHT JUST BEFORE 9:00 AM INSIDE A TRAILER PARK. IT ALL STARTED WHEN 29-YEAR-OLD BRIAN HUBBARD’S MOTHER CALLED CRISIS CARE, WHO HAS BEEN WORKING WITH HUBBARD FOR A TIME. THE CRISIS CARE WORKER THEN CALLED THE POLICE WHEN OFFICERS ARRIVED AT THE SCENE. HUBBARD’S MOTHER HAS ADVISED OFFICERS HE MAY BE AGGRESSIVE TOWARDS POLICE IF THEY ARE CALLED. A SHORTLY LATER, HUBBARD IS SEEN IN BODY CAMERA WALKING TOWARDS POLICE, HOLDING A 6-8 INCH BUTCHER’S KNIFE IN ONE HAND AND A HAMMER IN THE OTHER. ON MANY TIMES, THE OFFICER ASKED HUBBARD TO LAY ARMS DOWN, BUT HE CONTINUED TO WALK TOWARDS THE POLICE, AND IT WAS THEN WE WAS SHOT BY AN OFFICER. HUBBARD THEN CONTINUED TO COME BACK INSIDE HIS HOME, AND THAT’S WHEN HE WAS TACKLED TO THE GROUND BY AN OFFICER HANDCUFFED, TREATED AND TAKEN TO HOSPITAL. THE POLICE HAVE BEEN CALLED TO THIS ADDRESS SEVERAL TIMES, THE CHIEF TOLD US THAT HUBBARD HAS PREVIOUSLY THREATENED TO BURN HIS MOTHERHOUSE AND EVEN INJURY HIMSELF. I BELIEVE A KNIFE AND A HAMMER ARE DEADLY WEAPONS. IF USED THIS WAY. DO YOU REALIZE MOST OF US DON’T PROTECT AGAINST A KNIFE LIKE THIS. ALSO THE SUSPECT CLOSES THE DISTANCE TO HIM SO I BELIEVE AN OFFICER DOESN’T HAVE TO GET INJURED TO USE THIS TYPE OF RESPONSE. THE TWO OFFICERS INVOLVED IN THE SHOOTING ARE NOW IN ADMINISTRATIVE, BUT THIS IS STANDARD PROCEDURE. BCI IS INVESTIGATING THE CUT AND HUBBARD IS STILL ALIVE IN HOSPITAL. LIVE REPORT, RACHEL HIRSH, ZIMMER WLWT NEWS 5. RACHEL, THANK YOU FOR THE UPDATE. TODAY, A HIGHLY RECRUITED US FOOTBALL PLAYER PLEADS NOT GUILTY TO AN UNUSUAL SEX CRIME THAT HAS NOW PUT HIS PLAYING CAREER IN DANGER. INVESTIGATORS SAY HE WAS ROLLING ON A SCOOTER AND HITTING THE WOMEN ON THE BACK. WLWT IS VICE BRIAN HAMRICK LIVE WITH THIS STORY. BRIAN, HOW WELL-KNOWN IS THIS GUY? WELL, MIKE, HE WAS ONE OF THE BEST HIGH SCHOOL RECRUITS IN THE WHOLE COUNTRY. AND THE PICTURE YOU SEE OVER MICHIGAN. WELL, HE HAS BEEN SUSPENDED NOW, BUT THAT’S NOT THE END OF THE CONSEQUENCES AS AN AMERICAN PLAYER. MARIO, EUGENIO IS ON DEFENSE NOW. HE TAKES THE SAME POSITION IN COURT. EUGENIO HAS BEEN ARRESTED ON THREE CHARGES OF MISCONDUCT OR SEXUAL TAXATION BECAUSE YOU PLEASE NOT GUILTY. YOU CANIO PLEADS NOT GUILTY AND PREPARES FOR ANOTHER COURT HEARING. DO YOU CURRENTLY HAVE AN ASSISTANT LAWYER? WANT TO GET ONE AND HAVE YOU POSTED A COUPON ABOUT IT? OH, I THINK THIS ONE, YES. AROUND THE UNITED STATES CAMPUS, INVESTIGATORS SAY AT LEAST THREE SEPARATE OCCASIONS. US RIDE ON A SCOOTER AND MAKE UNSUSPICIOUS WOMEN ON BACK, UNLOCKED MOVE AS A Prank. THIS IS QUITE DISGUSTING AND FALSE. WE ARE ALL IN COLLEGE AS WE ARE AT LEAST ALL, LIKE, 17 AND UP. SO I HAVE A MIND YOU SHOULD KNOW BETTER. EUGENIO IS A FRESHMAN RECRUITED BY US AS A DEFENSIVE FIN. IT IS SUSPENDED NOW. HE WAS A FOUR-STAR RECRUITMENT IN FLORIDA, NAMED THE 71ST BEST HIGH SCHOOL PLAYER IN THE NATION BY SPORTS ILLUSTRATED. YOU PLAY FOR A GREAT FOOTBALL TEAM HERE, CINCINNATI. THIS IS THE AIR FORCE, OUR CREW. AND YOU DOING THINGS LIKE THIS IS VERY UNACCEPTABLE. NOW IT IS A PENALTY. I’M BRINGING A YELLOW FLAG. SOME BELIEVE IT RAISE A RED FLAG. YES INDEED. THIS SUSPENSION. SUSPENSION. INDEFINITE. HE WAS ORDERED TO STAY AWAY FROM VICTIMS AND AWAY FROM US AS HE TURNS 19 TODAY. LIVE REPORTING, BRIAN HAMRICK WLWT NEWS 5 RYAN, THANK YOU. EACH OF THE THREE COUNTS COULD RESULT IN 60 DAYS IN JAIL AND A FINE OF $500. WELL, THE RAIN COULD HAVE AN IMPACT ON YOUR WEEKEND PLANS, BUT THERE WILL ALSO BE A LITTLE DRY. AND CHIEF METEOROLOGIST KEVIN ROBINSON SHOWS WHEN YOU CAN GET OUT AND WHAT TO EXPECT FOR THESE FOOTBALL MATCHES THIS WEEKEND. HELLO KEVIN. HI GUYS. IN FACT, MORE OF YOUR WEEKEND WILL BE DRY THAN IT WILL BE REALLY WET AROUND HERE. SO I WANT TO MAKE SURE YOU TAKE AWAY. I ACTUALLY THINK IT’S A NICE WEEKEND OVERALL LESS THE HICCUP ON SATURDAY. SO GREAT EVENING FOR PLAYOFF ACTION AROUND TRI-STATE. TEMPERATURES ARE REACHING THE MID 70S AT THIS TIME SO IT WILL BE A VERY COMFORTABLE EVENING AROUND THE AREA AS WE BACK INTO THE 60S. SO WINDS WILL BE AN ISSUE TOMORROW. IT WILL BE A WINDY DAY WITH OR WITHOUT RAIN. AND YES, WE WILL HAVE TO BREAK DOWN THE TIME OF THE SHOWERS. RIGHT NOW IT SEEMS TO BE THE DRIKIEST PART OF YOUR DAY. THE FIRST HALF. AND AS WE GET CLOSER TO THE DARK, I THINK THAT’S WHEN THE RAIN BECOMES MORE IMPACT. SO WE ARE GOING TO TALK ABOUT ALL THE EVENTS YOU HAVE PLANNED FOR THIS COMING WEEKEND. WE WILL GO INTO MORE DETAILS ON

Reports of an accident involving a motorcycle on Vine Street in Hartwell

Reports of an accident involving a motorcycle on Vine Street in Hartwell. Click on the video player above to watch more WLWT News evening headlines from this incident? If so, download them from https://www.wlwt.com/upload. Be sure to include your name and any additional details so we can give you proper credit online and on TV.

Reports of an accident involving a motorcycle on Vine Street in Hartwell.

Click the video player above to watch more evening headlines from WLWT News 5

For live traffic updates, click here.

This story was organized by the Hearst WLWT Alert Office.
Do you have any photos or video of this incident? If so, download them from https://www.wlwt.com/upload. Be sure to include your name and any additional details so we can give you proper credit online and on TV.

AHRMA Releases 2023 Road Racing Schedule – Roadracing World Magazine

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AHRMA Announces 2023 Road Race Schedule

(November 4, 2022, Knoxville, TN) – The American Historic Racing Motorcycle Association (AHRMA) 2023 Bridgestone Tires National Historic Cup Roadracing Series will take place over 10 weekends at various racetracks across the United States.

“We’ll have a track for everyone in 2023,” said Brian Larrabure, Chairman of the AHRMA Board of Directors, “from the internationally acclaimed venues you’ll see on TV, to fun and challenging regional tracks, the racing with AHRMA will highlight all types of bikes and all kinds of tracks.

The season kicks off Feb. 16 with a track day and full weekend of competition at Roebling Road Raceway in Bloomingdale, GA and concludes Oct. 8 at the 18th Annual Barber Vintage Festival in Birmingham, AL.

Right in the middle of the season, AHRMA will return to an iconic venue. Monterey’s third annual AHRMA Classic MotoFest™ brings the AHRMA brand of modern and alternative bikes and sidecars to WeatherTech Raceway Laguna Seca the weekend of July 14. The event will also include vintage observed trials, vintage and post-vintage motocross as well as vintage flat track.

Bridgestone Tires returns as sponsor of the 2023 AHRMA National Historic Cup Roadracing Series. “Without Bridgestone, many of us would not have competition tires for our classic bikes,” said Larrabure. “And their generous support off the track also makes our season possible.”

Mark your calendar now for some of the best classic motorcycle racing events in the world with AHRMA.

2023 Bridgestone Tires AHRMA National Historic Cup Road Race Series Schedule*

2/16-19 Roebling Road Raceway; Bloomingdale’s, Georgia

3/17-19 Carolina Motorsports Park; Kershaw, South Carolina

5/26-28 Heartland Motorsports Park; Topeka, KS

6/2-4 Motorsports Park Hastings; Hastings, NE

6/23-25 ​​New Jersey Motorsports Park; Millville, New Jersey

7/14-16 WeatherTech Raceway Laguna Seca (AHRMA Classic MotoFest™); Monterey, California

7/28-30 TBD

8/4-6 Blackhawk Farms Racetrack; South Beloit, IL

9/8-10 Talladega Grand Prix Circuit; Munford, AL

10/5-8 Barber Motorsports Park; Birmingham, AL

*Provisional timetable as of 04/11/2022

About AHRMA:

The American Historic Racing Motorcycle Association (AHRMA) is a non-profit organization dedicated to racing on fantastic classics and true vintages as well as a wide range of modern motorcycles. With approximately 3,300 members, AHRMA is the largest vintage racing group in North America and one of the largest in the world. The association has grown steadily over the years, reflecting the growing interest in classic bicycles.

American Rebel Introduces New Clothing Line at Nation’s Best Fall Sports Specialty Market

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American Rebel Holdings Inc.

AURORA, CO, Nov. 04, 2022 (GLOBE NEWSWIRE) — American Rebel, Inc., a wholly owned subsidiary of American Rebel Holdings, Inc. – America’s Patriotic Brand (NASDAQ: AREB), introduces its new apparel line at Nation’s Best Sports (NBS) Fall Specialty Market November 3-5 at the Gaylord Rockies Resort & Convention Center in Aurora, Colorado.

The Fall Specialty Market introduces NBS members to the latest in team and retail athletics, fishing apparel, hunting apparel and footwear, and lifestyle apparel. According to Market Reports World, the worldwide annual revenue of outdoor apparel alone is estimated at $11.8 billion.

“Our concealed carry apparel is part of the lifestyle apparel category in the NBS Fall Specialty Market,” said Andy Ross, CEO of American Rebel. “We’ve upgraded our proprietary holster pouch with a quiet closure that operates more smoothly than our previous model. We’ve also made some adjustments to the pouch size to improve handgun stability inside the pouch. pocket for safe and secure concealment.

American Rebel apparel supports the company’s flagship safes, just as Harley-Davidson supports their motorcycles with their apparel and accessories. “We want to keep you hidden and safe, whether you’re inside your home or on the street,” says Andy Ross. “We believe our clothes are an on-ramp for our customers to embrace our patriotic brand. We want Susie to ask mom ‘what daddy wants for Christmas’ and want mom to say ‘anything with American Rebel on it’ .

About American Rebel holdings, inc.

American Rebel Holdings, Inc. (NASDAQ: AREB), through its wholly owned operating subsidiaries, operates primarily as a designer, manufacturer and distributor of branded safes and personal security and safety products. self-defense. The company also designs and produces branded apparel and accessories and recently announced plans to enter the e-bike market. To learn more, visit www.americanrebel.com. For more information on investors, visit www.americanrebel.com/investor-relations.

About the Nation’s Best Sports

Nation’s Best Sports (NBS) is a national sporting goods buying group that was established in 1956 as the first sporting goods buying group, the Southwest Buying Syndicate. NBS’s mission is to provide independent retailers with the ability to compete effectively in an ever-changing environment through aggressive buying, marketing and service opportunities. Today, NBS has over 350 independent retailers representing over 1,200 stores in the United States, Canada and Puerto Rico. NBS offers independent retailers a diverse portfolio of shopping opportunities across all outdoor sports and general sporting goods categories. NBS holds six different Buyers’ Markets each year which differ from industry trade shows in that they are true order writing and Buyers’ Markets open only to member retail store owners, their buyers and approved suppliers.

Caution Regarding Forward-Looking Statements:

This press release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. American Rebel Holdings, Inc., (NASDAQ:AREB)(NASDAQ:AREBW) (the “Company”, “American Rebel”, ” we”, “us” or “us”) wishes to take advantage of the safe harbor provisions of the Private Securities Litigation Reform Act of 1995 and includes this disclaimer as part of such safe harbor legislation. The words “expect”, “believe”, “may”, “estimate”, “continue”, “anticipate”, “intend”, “should”, “plan”, “could”, “target”, ” potential”, “is likely”, “expect” and similar expressions, as they relate to us, are intended to identify forward-looking statements. We have based these forward-looking statements primarily on our current expectations and projections regarding future events and financial trends that we believe may affect our financial condition, results of operations, business strategy and financial needs. Important Factors That Could Affect Results actual events that differ from those set forth in the forward-looking statements include our ability to effectively integrate acquisitions into our operations, our ability to introduce new products, our ability to meet production demands, our ability to expand our sales organization to respond to market existing and new assets that we intend to target, our ability to meet or exceed financial and reporting estimates, and risk factors contained in our SEC filings, including our Annual Report on Form 10- K for the year ended 3 December 1, 2021. The statement we make here speaks only as of the date on which it is made. Factors or events that could cause our actual results to differ may arise from time to time and it is impossible for us to predict all of them. We undertake no obligation to publicly update any forward-looking statements, whether as a result of new information, future developments or otherwise, except as required by law.

THE SOURCE: American Rebel Holdings, Inc.

Company Contact:
[email protected]

Investor Relations:
John McNamara
TraDigital IR
917-658-2605
[email protected]

Weber Drivetrain opens electric vehicle parts plant in Chakan

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Weber Drivetrain, a technology-driven start-up, has inaugurated its electric vehicle parts factory in Chakan MIDC, Pune, Maharashtra.

The company has committed an investment of Rs 35 crore in phase 1 for the manufacturing plant, which will be highly automated and have a top-of-the-line configured fully automatic production line. The plant will produce all-indigenous BLDC hub motors and controllers, from 0.25kW to 4kW, for e-bikes, e-scooters and e-motorcycles.

The company has a strategic partnership for the design and development of BLDC motors with Shinwin Motors, one of China’s leading electric motor manufacturers with an annual output of 10 million motors and sales of $600 million. Weber Drivetrain is expected to launch its products by December 2022.

“We are extremely proud and excited to mark our first steps into the Indian electric vehicle market. Since reducing barriers to the adoption of electric vehicles is key to achieving India’s ambitious greenhouse gas reduction targets, Weber Drivetrain is poised to offer a widespread and realistic solution to the mass adoption of electric vehicles in the country. Our mission is not only to have a strong influence on the EV industry, but also to support and encourage all initiatives for the positive growth of EVs in India and beyond. Moreover, considering the problem of unemployment, the manufacturing unit will also help create employment opportunities in the state,” said Prashant Shete, Founder and Managing Director of Weber Drivetrain.

Rev up for Texas M/C Revival

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Hundreds of vintage motorcycles are on display at Hill Country Motorheads in Burnet. The museum hosts the Texas M/C Revival Motorcycle Show on Saturday, November 5, a celebration of iconic motorcycles of the past and the brotherhood of bikers. Staff photo by Dakota Morrissiey

Go back in time to Hill Country Motorheads during the 10th Annual Texas M/C Revival, which features the museum’s collection of vintage motorcycles along with dozens of entries from other bike enthusiasts. The event will take place from 10 a.m. to 4 p.m. on Saturday, November 5 at 2001 Texas 29 West in Burnet.

Enjoy the camaraderie, food, and iconic motorcycles of the past. Admission is $5 at the door.

“(The Texas M/C Revival) is truly a place for biker fraternity and an opportunity to come and show off their vintage motorcycles and have camaraderie,” said Janelle Hanlon, who owns and operates the museum with her husband, Pat.

He has been in love with motorcycles since the age of 10. This passion developed into a collection of over 350 bicycles and the museum.

This is the second year that Hill Country Motorheads has hosted the Texas M/C Revival. Show founder Steve Littlefield hosted the rally for years at his Georgetown store, Central Texas Powersports. After selling the business, the Hanlons took over, bringing revival to Burnet in 2021.

This 1902 Indian Camelback is said to be the oldest Indian motorcycle in the world, according to owner Steven Cline. This is just one of extremely rare and fair motorcycles that will be on display at the 10th Annual Texas M/C Revival Vintage Motorcycle Show at Hill Country Motorheads on Saturday November 5th. Staff photo by Dakota Morrissiey

The shining stars of this year’s show will be three extremely rare vintage motorcycles from the collection of Steve Cline, titan of the American vintage motorcycle scene. They are a 1922 Henderson DeLuxe, a 1914 Yale and a 1902 Indian Camelback, which Cline claims is the oldest Indian motorcycle in the world.

Event attendees can vote for their favorite bike for the People’s Choice Award. The Ronnie Lunsford Memorial Exhibitor Award will be given to the best bike voted by the exhibitors. It honors the memory of a beloved member of the Texas motorcycle community who died in an accident earlier this year.

“I would like people to realize that this is not just a motorcycle show; it’s a way of life for us,” Janelle Hanlon told 101HighlandLakes.com. “It’s something that brings people together.”

Whether you’re a biker yourself, have motorcycle fever, or just curious about the history of motorcycles, you’re sure to have a great time at Texas M/C Revival.

Contact Hill Country Motorheads at 512-553-4078 or [email protected] for more information about the event or its collection. Visit his website for normal opening and admission hours.

[email protected]

Find more articles like this in 101 News

2022 Research Benefits: Forecasted Market Reliability for Dual-Sport Motorcycles Drives Growth with Leading Regions | (Up to 70% off this exclusive report): Players-Honda Motor, Kawasaki Motors, KTM Sportmotorcycle

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Dual Sport Motorcycles Market Size, Growth Rate, Dominant with Business Challenges, Competitors and Forecast 2030 | Stratagem Market Overview

The latest published the research study on the Dual-sport motorcycle market offers a detailed overview of the factors influencing the scope of practice. The market research report presents the latest market insights, an analysis of the current situation with upcoming trends, and a breakdown of products and services. The report provides key statistics on the market status, size, share and market growth factors. The study also provides information on past and current market trends and developments, drivers, capabilities and changes in the market capital structure industry. The study will help market players and market consultants to understand the ongoing structure of the market.

This Dual-Sport Motorcycles Market report has updated information analysis which plans to present players to battle well against their toughest rivals based on development, deals, and other must-have components. In its recently distributed report, Market Research has given interesting experiments on advertising for the given period. The report also offers product overviews and detailed ban of the global market. Additionally, the report will also provide its users with an analysis of the market drivers that are expected to support the growth of the market in the coming years. The report also illustrates the major restraining factors that are negatively impacting the market growth over the analysis period. The exploration study gives Dual Sport Motorcycle Forecast assessments through 2030.

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— The base year for the estimate: is 2021
— Actual Estimates/Historical Data: 2016-2020
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– This report is a broad review that includes an in-depth industry overview of the Global Dual-Sport Motorcycles Market. The report explains the product type of Dual Sport Motorcycle and its application in different market verticals with respect to various key countries and regions. The analysis has listed and rated all key Motorcycle Dual Sport market players and compared them based on different metrics such as annual sales shipment volume, historical growth rates, market revenue, and marketing strategies. . Based on all these findings, the Global Dual Sport Motorcycle Business industry research report offers strategic plans to improve the market positions of the existing players in the market. The main key organization covered by this research is Honda Motor, Kawasaki Motors, KTM Sportmotorcycle, Suzuki, Yamaha Motor, Ducati, Erik Buell Racing

Market Segmentation of Motorcycle Dual Sport Market:

Dual Sport Motorcycles market is split by Type and by Application. For the period 2022-2030, Intersegment Growth provides accurate calculations and forecasts of sales by Type and Application in terms of volume and value. This analysis can help you grow your business by targeting qualified niche markets.

Dual Sport Motorcycles Market Split By Type:

200cc-500cc, 500cc-1000cc, above 1000cc

Dual-Sport Motorcycles Market Split By Application:

professional, amateur

The regional analysis covers:

The report analyzes the regional coverage of the market, mainly focusing on the following regions:

▫ North America (USA and Canada)
▫ Latin America (Mexico, Brazil, Peru, Chile and others)
▫ Western Europe (Germany, UK, France, Spain, Italy, Nordics, Belgium, Netherlands and Luxembourg)
▫ Eastern Europe (Poland and Russia)
▫ Asia-Pacific (China, India, Japan, ASEAN, Australia and New Zealand)
▫ Middle East and Africa (GCC, Southern Africa and North Africa)

The market research includes an in-depth look at Porter’s Five Forces System, Pestle Analysis, and Opportunity Analysis. These informative systems can help you identify the top five targeted benefits that can shape your industry and determine your company’s business strategy.

Includes key components that come with it:

» Element of Overall Industry Assessments of Dual Sport Motorcycle Market for Provincial and National Sections
» Element of Global Dual Sport Motorcycles Market Industry Survey of Major Business Players
» Key propositions for new candidates
» Market guesses for at least 9 years of all referenced portions, subsections and provincial markets
» Market Trends (Drivers, Restraints, Opportunities, Threats, Challenges, Investment Opportunities and Proposals)
» Vital suggestions in key business sections depend on available estimates
» Aggressive finish mapping key base patterns
» Organizational profiling with step-by-step methodologies, financial data and continuous progress
» Inventory network models mapping the most recent mechanical advances`

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➢ How big will the market be over the estimated period?
➢ What are the major driving forces responsible for shaping the fate of the dual sport motorcycle market during the forecast period?
➢ Who are the major vendors in the market and what are the winning strategies that have helped them to gain a strong foothold in the dual sport motorcycles market?
➢ What are the key market trends influencing the development of the Dual Sport Motorcycles market across different regions?
➢ What are the key opportunities that market leaders can capitalize on to gain success and profitability?

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A New Beginning in Forest Grove: Steve’s Story

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Three months ago, Steve spent his nights in a field in rural Washington County. When his wife died of cancer seven years prior, things started to go downhill for him, leading to years of homelessness. A medical condition prevented him from working and he found it difficult to be around other people. “I spent a lot of time alone on the pitch, depressed.”

Then within a month, Steve’s life completely changed. It started with a visit to her adult son in Forest Grove. “‘I don’t want to be here anymore,'” Steve told her. “I wanted to kill myself. He made me realize how important it was to be a father again. Steve started visiting his son more regularly, until he decided to find accommodation in the area. He realized that finding a home was the first step to creating stability for himself and fixing his life.

To do the first step

Around this time, Steve met another homeless person in open door who told him about an encampment in Forest Grove, where he discovered a good friend was also living. Steve moved there to begin his transition into the company. Living in the camp has been helpful for Steve, helping him relearn how to live and work with people. During the first two weeks, he intervened in an emergency situation which probably saved the lives of several campers.

A week after moving to camp, Steve received a flyer about a housing fair at Open Door. Although the queue was long and demand was high, with perseverance Steve managed to register for a Regional long-term rental assistance checkPayed by Metro Supportive Housing Services Fund. He was assigned to housing social worker Michael Davis at the Immigrant and refugee community organization. The housing case management and outreach work of Open Door and IRCO is also supported by the Metro fund.

Finding a home in Washington County’s hot real estate market was initially a challenge. The first two apartments Steve looked at were rented within minutes of the opening of applications. With Michael’s help, Steve was able to quickly move on to the next apartment he visited and submit his application before anyone else. Michael worked after hours to ensure the application was processed and the property managers had everything they needed, and Steve was approved for the apartment.

fix his life

Several months after moving into his new home, Steve’s transition is going well and he is happy. He has built two Harley-Davidson motorcycles from scratch in his living room and plans to take one on a road trip. He is still working on getting disability approval and doing odd jobs.

He recently told Michael that the housing program didn’t just provide him with a home — it saved his life. “He told me he was going to end his life the week he met me,” Michael said, “but after he met me I gave him enough hope to carry on and now he flourish.”

Steve reflected, “I’m just glad I tried to make an effort. I am grateful to have obtained a housing voucher. He plans to keep his home and break the cycle of homelessness for good. Of Michael, he said, “I couldn’t be more grateful for him. He was a good guy.

How to Get a $50,000 Personal Loan – Forbes Advisor

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Editorial Note: We earn a commission on partner links on Forbes Advisor. Commissions do not affect the opinions or ratings of our editors.

A personal loan is a financing option that you can use to cover a variety of different expenses. Whether you need a loan for debt consolidation, home improvement projects, or something else entirely, a personal loan can make your goals more manageable.

Larger personal loans of $50,000 can be offered to qualified individuals through various financial institutions and online lenders. Follow these five steps to get a $50,000 loan.

1. Consider qualification requirements

The first step is to review the qualification requirements of different lenders. Here are some commonalities personal loan terms you might encounter.

  • Minimum credit score: You should check your credit score to get an idea of ​​how your credit measures up to lenders’ standards. We recommend a minimum score of 670.
  • Revenue: Some lenders may want confirmation that you earn a minimum wage before giving you a personal loan, but not all lenders will disclose the minimum income they require.
  • Debt-to-income ratio (DTI). If you have too much debt relative to your income, you may struggle to qualify for financing, especially a $50,000 personal loan. A DTI of less than 36% is ideal, although some lenders will approve a highly qualified applicant with a ratio of up to 50%.

As you review lender requirements, make a list of personal loans you think you might be eligible for. You should also keep a separate list of lenders who are unlikely to approve your application so you know which ones to avoid.

2. Prequalify with multiple lenders

Once you have a list of lenders you think could work with you, check to see if any of them offer prequalification. Many lenders allow interested borrowers to prequalify for a loan, allowing you to see what terms you may qualify for when you apply, although they are unsecured. Prequalification usually only requires a flexible credit applicationwhich has no impact on your credit score.

3. Compare your offers

Then it’s time to compare your pre-qualified loan offers and choose the best personal loan for you. Of course, you will want to pay close attention to the interest rates offered by different lenders. A lower interest rate has the potential to save you a lot of money on your loan.

However, there are other details that could influence your decision, including:

  • Fees (opening fees, application fees, prepayment penalty, etc.)
  • Loan amount (can you borrow up to $50,000?)
  • Repayment period
  • Monthly payment
  • Uses of the loan
  • Funding speed

4. Complete and submit your application

After making your final choice, complete and submit your official loan application. You should expect to provide more information on your full application than on your initial prequalification form.

Here are some of the details and documents your potential lender may request when you apply for a personal loan:

  • Personal information (name, address, social security number, date of birth, etc.)
  • Employer and job title
  • Income and proof of income (e.g. pay stubs, tax returns, etc.)
  • Chequing and savings account balances
  • Copies of bank statements
  • Monthly rent or mortgage payment

5. Manage and repay your loan

If approved, you should receive final loan documents that confirm the details of your loan agreement, such as your interest rate, repayment term, monthly payment, and loan amount.

Lenders ask you to sign your loan agreement to confirm that you accept the terms and conditions of the financing. After your signature, the lender can begin the process of sending you the loan proceeds. You can expect a direct deposit to your bank account the same day or within a few days.

Once you have received your loan proceeds, your loan repayment period begins. The lender will expect you to start repaying your loan according to the terms set out in your loan agreement. Some lenders may offer you a rate reduction if you sign up for autopay.

How to get a $50,000 loan with bad credit

Qualifying for a $50,000 personal loan with bad credit can be a challenge. Many lenders are unwilling to approve a borrower for a personal loan unless they have at least one fair credit score or better.

However, you may be able to find lenders willing to work with you if you have bad credit. Of course, your income, DTI ratio, and other factors will also need to meet the lender’s borrowing criteria. Your credit alone does not guarantee loan approval.

If you are able to qualify for a personal loan with bad credit, you must be prepared to pay higher interest rates and fees in exchange for the credit risk you pose as a borrower with bad credit. credit. Additionally, bad credit can limit the amount of loan you are eligible for.

Where to get a $50,000 loan

Long term costs of a $50,000 loan

It is always wise to calculate the cost of a loan before making your final decision on whether or not to accept an offer. You can use tools like Forbes Advisor personal loan calculator to estimate the monthly payments and overall interest you would pay over the life of a loan.

If you take out a low-interest loan for consolidate debt, a new personal loan could help you save money in the long run. But even in this scenario, you must commit to not accumulating additional debt after consolidation. Otherwise, you could end up with bigger debt problems down the road.

Conclusion

Exit $50,000 Personal loan could be useful in many different financial scenarios. However, it is important to make an honest assessment of your situation before committing to such debt.

If you think a $50,000 loan is right for you, be sure to shop around for the best deal available. It’s important to get the lowest interest rate and fees possible, especially when borrowing larger sums of money.

Tributes to George Harmer

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Published:
10:50 am October 30, 2022



Updated:
11:00 a.m. October 30, 2022

He was a master mechanic, but his real passion was people.

Whether he was singing songs to his daughter, playing football with teammates or playing pranks on visitors to his museum, George Harmer reveled in the interaction.

Now tributes have been paid to Mr Harmer, from North Norfolk, who died on September 6, aged 86.


George Harmer served in the RAF and became an instrument fitter.
– Credit: Provided by the family

Friends and family gathered at his funeral on October 7 were told he would be remembered as a hardworking man with ‘slight eccentricities’ who did not conform to the norm and ‘never really finished anything”.

Celebrant Rachel Narkiewicz said: “They will remember the tricks you played, your humor, your passion for classic cars and motorbikes, your knowledge of gardening and your love for the occasional bottle of Manns dark beer. .


George Harmer in his studio.

George Harmer in his studio.
– Credit: Provided by the family

“He was certainly one of a kind and will be missed.”

Mr Harmer grew up in Saxthorpe and went to school there before moving on to Astley Secondary and Melton Constable Academy.

He was known for his singing voice and even sang with his school choir at the Royal Albert Hall.

At 15, Mr. Harmer became an apprentice clock repairer at Mundesely. Some time later he took a job with Winsor Bishop jewelers in Norwich, traveling there first by bicycle and later on a BSA Bantam, which began his love of motorbikes.


George Harmer at the Norfolk <a class=Motorcycle Museum in North Walsham, which he founded.” class=”” loading=”lazy” title=””/>

George Harmer at the Norfolk Motorcycle Museum in North Walsham, which he founded.
– Credit: Provided by the family

Mr. Harmer was called up to the Royal Air Force in 1954 and hired for four years so that he could learn the trade of an instrument fitter.

He worked on Lancaster and Lincoln bombers at RAF Hemswell in Lincolnshire and also served in Cyprus, Libya, Malta and Norway.

“He really enjoyed squadron life and made some strong friendships over those years and repeatedly said how beautiful Norway was and how kind its people were,” Ms Narkiewicz said.

Mr Harmer was a keen footballer and played for Gainsborough United while in the RAF.

He returned to watchmaking in Holt at the age of 22 and met his future wife, Valerie.


George Harmer, right, with his son Steven at the Norfolk Motorcycle Museum.

George Harmer, right, with his son Steven at the Norfolk Motorcycle Museum.
– Credit: Provided by the family

“One lunchtime George invited Val out for a drive up Holt Hill. Less than a year later, in March 1959, they were married at Baconsthorpe Church, Val wearing a traditional white dress and a veil and George looking stylish in his demo costume,” Ms. Narkiewicz said.

“There was neither the time nor the money for a honeymoon, so the couple started life together with little.

“Soon after they married, George’s job took him to Wells, then to Holt before going to North Walsham.”


George and Valerie Harmer both had a passion for beautiful gardens.

George and Valerie Harmer both had a passion for beautiful gardens.
– Credit: Provided by the family

They built a bungalow in Felmingham in 1964 and Mr Harmer went into business from a workshop in the garden which allowed him to spend more time with their children Debra and Steven.

“Deb remembers being about three years old and sitting on her dad’s lap as he sang the song ‘Scarlet Ribbons’ to her,” Ms Narkiewicz said.

“Having George sing the lyrics had a profound effect on his young daughter – Val clearly remembers seeing Deb cry as she listened.”

Later Mr Harmer opened a shop in Aylsham’s Red Lion Street and worked hard there – their first family holiday was when Steven was around nine years old.

At one point he was repairing around 100 watches a week and a TV show once described him as the “last master watchmaker”.

He was vice-chairman of the Aylsham Silver Band and chairman of the Aylsham Wanderers Football Club.

After abandoning the shop in 1986, Mr Harmer and his wife found more time to travel – the Lake District became a favorite destination.

“Walking around Rydal Water was his favourite. George loved nature and the Lake District gave him the opportunity to see the majestic views the area has to offer,” Ms Narkiewicz said.

Mr. and Mrs. Harmer were avid gardeners of vegetables and flowers, and Mr. Harmer was particularly proud of his rhododendrons.

He founded the Norfolk Motorcycle Museum near Norwich Road in North Walsham in 1994, and Steven still runs it today.

“Together they would work on it and welcome visitors, with George always keen to talk about the bikes and their place in history,” Ms Narkiewicz said.

“If a man showed up to visit, it wouldn’t be unusual for George to see the man’s wife sitting outside, waiting patiently in the car, and walking over to talk to her as well.

“Before long, she would often be inside the museum herself, listening with interest as George shared his knowledge. He liked to chat with everyone.

Mr. Harmer had a great sense of playfulness and always tried to find the fun side of life.

He was famous for his pranks. If Steve tried to reassemble a part of a bike, he would sometimes get confused by a strange part here or there – until he realized that George had added a few extra parts.

87-year-old Genevan still hospitalized a week after motorcycle accident – ​​Shaw Local

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An 87-year-old Geneva motorcycle driver remains hospitalized a week after being involved in a motorcycle accident, according to an update from the Algonquin Police Department.

The initial accident, which took place on Sunday, October 23 around 3:45 p.m., determined that a man was traveling along Route 31, just south of IL Route 62, on a 2007 Harley Davidson motorcycle black, when it struck the mid-center, lost control of the vehicle and landed on an embankment in the roadway, the initial statement said.

The man was taken to a local hospital at the time of the accident; as of October 28, the man was still receiving treatment at Northwestern Medicine McHenry Hospital, Algonquin Sgt. Jason Burzynski said in an update.

A citation is pending as a witness told Algonquin Police that a motorcyclist was seen accelerating “at a high speed” from the intersection of Highway 31 and Main Street South, Burzynski said in the updated press release.

The witness said the motorcycle hit the median, swerved into the southbound lane and then entered the grass, when the man was ejected from the vehicle and landed both under an embankment, the updated statement said.

Burzynski clarified in the update that there were no other injuries or vehicles involved in the crash.

Why Harley-Davidson thinks doing LiveWire solo is a…

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Harley-Davidson CEO Jochen Zeitz said the company would rather “take the lead” in the nascent electric motorcycle business despite slow adoption of its inaugural model, the Harley-Davidson LiveWire. [Livewire ONE].

Launched in 2019, the naked Harley-Davidson LiveWire represented a radical change of tactics for the American firm – synonymous with traditional large-capacity cruiser designs – in terms of brand perception and market strategy.

Additionally, the timing of its launch gave Harley-Davidson years a head start on its major rivals, who are only now grappling with plans to roll out electric vehicle models in a reluctant consumer space. approach to phasing out fossil fuel models in several key markets.

It’s a pioneering approach that hasn’t paid off for Harley-Davidson so far with just 387 LiveWires moved in 2021, numbers that haven’t been helped by its hefty £28,000 price tag (29,799 $) – almost three times more expensive than most of its gas-powered rivals – and its abnormal position in the market.

However, rather than putting development of the machine on hold until market conditions improved, Harley-Davidson proceeded to siphon LiveWire into its own sub-brand and cede full ownership in favor of a majority stake, while SPAC (Special Purpose Acquisition Company) AEA-Bridges assumes the remainder.

With the sale between the two parties completed last month, LiveWire has floated on the New York Stock Exchange (NYSE) in a bid to boost investment. However, LiveWire’s start has been rocky, with the $295 million raised (as of September 27) falling well short of the $545 million forecast in December.

Despite the challenges of remixing the project – a process that has so far sucked $20 million from Harley’s fluctuating coffers – Zeitz retains a positive attitude towards LiveWire’s future-proof platform as he patiently waits for the market to turn in its favor, pointing to Tesla – which has successfully belied its start-up status to pioneer a sea change in the perception and sales of electric cars – as an example of what taking the reins can accomplish.

“I don’t build brands based on what the market does when you go public,” Zeitz told Bloomberg. “I believe in the brand separation strategy” to bring “strategic clarity” to operations, he added.

“If you look at other motorcycle manufacturers, they kind of dance around the discussion, like a lot of automobiles danced around this discussion when Tesla was winning,” he said. “I prefer to take the lead and I think we have a unique opportunity, which is always more risky if you are first.”

Can LiveWire withstand the electrical storm?

While full credit goes to the company – notably former CEO Matt Levatich – for its vision with the LiveWire, which along with the Pan America ADV and Bronx streetfighter was supposed to help Harley-Davidson stem the bleeding of its profit margins by diversifying into new segments and attracting different customers, its risk sums have been miscalculated.

First, LiveWire (the motorcycle, now known as ONE) demands far too many compromises in that its exorbitant price strays too far from Harley-Davidson’s demographics while trying to tap into another that doesn’t exist. not really and a package that – beyond its powertrain – brings nothing new to the party to justify its triple price premium over, say, a Yamaha MT-09.

Additionally, the long gestation period of the LiveWire – first shown in 2014 – hasn’t been (perhaps surprisingly for HD) matched by other manufacturers pushing the good name “electric” to consumers with their own models

It left the LiveWire – which was always destined to grab attention as a new, smaller Harley model anyway – to go it alone in a cynical consumer space under close scrutiny from the public, the media and everyone else. Manufacturers looking at this canary with intrigue from the sidelines.

Indeed, while Zeitz uses Tesla as a “cut-and-copy-and-paste” example of what LiveWire “could” be, the groundbreaking Model S executive sedan is innovatively different in terms of gimmicks, transforms the ownership experience of the customer and correctly exploits the advantages. its unique instant-acceleration, super-quiet electric selling point.

While electric power is undoubtedly a harder sell on emotive and thrilling motorcycles than on cars more concerned with running costs, comfort and refinement, the LiveWire suffers from being a fairly ordinary motorcycle that doesn’t emits zero emissions but carries a price tag so expensive that it negates much of its net economic running costs.

Ironically, the quirkiness of its electric powertrain might have ended up being its saving grace, attracting enough curious and environmentally conscious customers to justify its existence, albeit in modest and grimace-inducing numbers.

Does LiveWire have a brighter future ahead of it?

If for nothing else, Zeitz has bold ambitions for LiveWire in the future, projecting eye-popping sales growth to 101,000 over the next five years – that’s just a 383% gain. . We’ll reckon he could buckle more affordable ties to scooters and e-bikes to pop those numbers, but at the very least Zeitz brings the wow factor – or maybe “woah” – to headline. newspapers.

While there may be an element of “loss reduction” in Harley-Davidson’s decision to cede full ownership and classify it as a separate brand, the market will eventually change direction as the use of electricity will overtake fossil fuels.

Indeed, in the three years since the launch of LiveWire, a lot has changed in the industry when it comes to electrical power. Many countries have announced plans to ban the sale of gasoline-powered vehicles over the next 10-15 years, and while this won’t be a global change just yet, it covers most Harley-Davidson’s key markets.

So while the average punter remains wary of electric – at least at the high end of the motorcycle market, Harley-Davidson gravitates – rivals are now beginning to implement their model plans, bringing with them a glimmer industry-wide marketing from which every business can capitalize.

LiveWire’s ace, then, is being the only student to show up at every pre-exam lecture, equipping him with critical know-how not only to advance the technology, but also to have time to apply those tougher conservation lessons to his approach.

This is demonstrated in LiveWire’s forthcoming second model, the Del Mar. More compact, affordable and trendier, while the LiveWire ONE suffers from trying too hard to be a similar conventional roadster – thus emphasizing its cost trade-off – the Del Mar almost wears its comparative limits like a badge of honor.

Indeed, while the range is quite limited at around 100 miles (compared to the ONE’s 145 miles), this taps into a market more inclined to use such a machine for shorter urban journeys, thereby reducing costs and high funk. In short, it’s about listening and bringing LiveWire to an ever-changing audience.

It remains to be seen whether LiveWire will have the last word. Having a better understanding of the market doesn’t prevent him from being overwhelmed by his rivals when they arrive and potentially push the game forward, but it certainly has an advantage.

In the meantime, it’s the challenge of LiveWire’s marketing bods to transform the name from being less associated with a modest eco-friendly roadster touted by fuel lugger suppliers (stereotypically) to a fresh, funky, innovative brand that can brag about doing electric before electric was cool.

In short, LiveWire is currently Blackberry circa 2008…but it knows you know it’s an Apple you’re going to want…

Upgrade Cash Rewards Visa: A personal loan and credit card all in one

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Cash Rewards Visa®* Upgrade is a combination credit card and Personal loan. You make purchases with the card as you would with any Visa credit card, but at the end of the month your balance is converted into a personal loan with a set interest rate and monthly payment. Upgrade typically offers 24, 36, or 60 month installment plans, and your options may vary depending on your credit situation.

For those planning to make a large, time-limited purchase (i.e. you can’t save money up front), the upgrade card offers a structured repayment plan with a defined APR. This can help avoid interest rates that increase over time. It can also help smooth out inconsistencies for those struggling to meet their own monthly payment schedules.

It’s marketed as a rewards credit card that earns “1.5% cash back,” but as we’ll explain, that’s not quite accurate in most cases. The most accurate description is that it is a personal loan that works much like a credit card.

Cash Rewards Visa® Upgrade

Introductory offerN / A

APR14.99% – 29.99% APR

Intro Purchase APRN / A

Recommended credit Excellent/Good/Fair

Reward rate
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment

Annual fees$0

Late payment fees No charges

Foreign transaction fees No charges

  • Earn 1.5% unlimited cash back on card purchases every time you make a payment

How it works

The upgrade card works like any typical Visa credit card when making purchases. But at the end of the month, Upgrade will combine all fees into one plan with a fixed monthly payment amount and a fixed interest rate. This payment plan – and your credit score – will help you determine the overall amount of interest you’ll pay.

Each time you make a monthly payment on your upgrade balance, 1.5% of that payment will be applied as a “bonus” to the next month’s balance. Thus, if you pay $100, a bonus of $1.50 will be deducted from your capital the following month.

That’s why we don’t really consider it a “credit card rewards— most of the time, you’ll just get a small discount on the interest the upgrade charges you. With a typical rewards credit card, the goal is to pay off your balance in full each month so your rewards don’t You can also refund your entire balance with the Upgrade card, but it’s unclear how rewards would be credited in this case, and Upgrade did not immediately respond to our requests.

You can also use the Upgrade card for a cash advance, transferring the funds directly to the bank account of your choice. The same process follows with a cash advance as with purchases, and you don’t have to worry about cash advance fees like you would with a credit card.

Why it’s not a personal loan

Although the Upgrade Cash Rewards card is similar to a personal loan, there are a few key differences.

The first difference is that instead of withdrawing a fixed amount of money, like $5,000, the loan amount is determined by your credit limit and spending. Credit limits generally vary between $500 and $25,000 depending on a number of financial factors, such as your income, credit history and credit score, existing debt, etc. You can use as little or as much of your credit limit as you want, but not without potential impact on your credit score.

The second main difference with a traditional personal loan is that it slightly simplifies the overall process. Rather, it is a line of credit against an asset, such as a HELOC, so you don’t have to constantly reapply when you need a loan. You also don’t have to borrow money you may not need.

Finally, Upgrade doesn’t charge any prepayment fees, so you can always pay off your entire balance if you want or can. However, most of our best choices for personal loans don’t charge prepayment penalties either.

Other options to consider

If you find the combination of a credit card and a personal loan problematic, you can opt for a clearly defined financial product. Here are some recommendations on credit cards and personal loans.

Wells Fargo Reflect® Card

If you are planning to make a major purchase or purchases that you will not be able to pay for immediately, a Credit card 0% intro APR might be a good option. These cards can help avoid interest charges by giving cardholders a limited time frame of 0% introductory APR, sometimes up to 21 months or more. The Wells Fargo Reflect offers 18 months from account opening of an initial 0% APR on qualifying purchases and balance transfers (then 15.99% to 27.99% variable APR), and if you make your minimum payment on time every month during those 18 months, you’ll get an additional 3 months of 0% intro APR.

For more details see our Wells Fargo Reflect Card Review.

Wells Fargo Active Cash® Card

If you were intrigued by the upgrade’s 1.5% cash back offer, the Wells Fargo Active Cash® Card offers 2% cash rewards on your purchases – up front. There is also an APR introductory period so you can take advantage of inexpensive financing for a short time.

For more details see our Wells Fargo Active Cash review.

LightStream Personal Loans

Personal loans tend to offer lower interest rates than credit cards – even upgrade cards – and are specifically suited for large purchases like home renovations, debt consolidation, or other needs. LightStream in particular offers an APR range of 5.99% to 21.49% for its personal loans, but this can vary by loan type. It also features repayment terms of 2 to 12 years and financing ranging from $5,000 to $100,000.

FAQs

Can I refund my entire upgrade balance sooner?

Yes, you can pay it in full at any time with no additional charges or prepayment penalties.

What happens if I miss a payment or pay late?

It’s unclear exactly what will happen, but based on other information we found on Upgrade’s site, you should at least expect them to report your late payments to the credit bureaus, and the total interest you will pay over the repayment period will be slightly higher since you are maintaining a balance longer.

If new credit is made available and I use my card for other purchases, is the new amount due combined with my old loan?

No. Our understanding is that at the end of the new month, Upgrade would issue a new loan, with its own separate repayment plan.

*All information about the Upgrade Cash Rewards visa has been independently collected by CNET and has not been reviewed by the issuer.

Editorial content on this page is based solely on objective, independent assessments by our editors and is not influenced by advertising or partnerships. It was not supplied or commissioned by a third party. However, we may receive compensation when you click on links to products or services offered by our partners.

Ebike Future Conference 2022 Day One Recordings Now Available Online – Community

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The Ebike Future Conference 2022 offers people the opportunity to watch the official recordings of the first day of the event for free.

Held online and broadcast globally, the fourth edition of the Ebike Future Conference attracted experts from around the world to discuss the future of e-bike business and technology.

The event took place from October 11-13, and recordings from day one are now available to everyone. People can then upgrade to see all three days and all 50 speakers.

A significant part of the conference was devoted to mobility, cargo bikes, urban delivery and circular economy, and another part focused on e-bike connectivity, IoT (Internet of Things), artificial intelligence, computer vision, software and hardware.

The conference also discussed retail trends, new business models and new players entering the market in sectors such as automotive, motorcycle, ski and others.

Overall the conference was a success, organizers said, with valuable insights provided by expert speakers. The dates for next year’s edition are October 11-13 and the conference format will remain online. The 2023 event is now open for sponsorships, speaking engagements and virtual exhibitors.

Read more: Panaracer and Focal Events team up for Dirty Reiver gravel event

Program of the first day of the Ebike Future Conference 2022:

1. Stefan Ceman – Opening and introduction
2. David Reed – What the public and private sectors need to support the growth of e-bikes
3. Rodrigo Oliveira – Rolling for the circular economy
4. Adam Micklin – Your brand, your ride, your way. Create the journey synonymous with your brand
5. Stefano Niero – The new star of shared mobility – the electric bike
6. Morten Rynning – How to downsize cars into e-bikes – to replace car traffic
7. Joshua Hon – Commercial logistics and cargo bikes
8. Johnny Smith and Jacques Bonneville – Connectivity, what opportunities for VAE brands?
9. Andrew Fleury – How computer vision will help ensure a secure future for the e-bike industry
10. Rama Sreenivasan and Alex Hamberger – The future of e-bike maintenance and customer service: App-free, stress-free and remote
11. Rahul Malhotra – Driving progress through e-micromobility
12. Reese Brown and Kellyann Davis – State of the U.S. e-Bike Market and Opportunities with Cross-Country Ski Areas
13. Susan Gautsch – From Higher Education to Higher Vocation: How and Why I Started an Electric Bike Business
14. Jürgen Sahtel – How to launch your shared mobility business in 20 days – best practices of opening 140+ locations globally
15. Roland Riedel – Brose e-bike facts and vision
16. The Inja – I’ve tested 44 e-bikes, and here’s what makes them suck

Gary Paul Langton obituary – Foster’s Daily Democrat

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Gary Paul Langton died after a long decline in health on October 23, 2022. Born February 11, 1956 in Manchester, NH, Gary was raised in Greenland, NH, attended St. Thomas Aquinas High School in Dover, NH and was in the US Coast Guard.

Predeceased by his parents Paul Gerald Langton, Lorraine Roy Langton Brackett and stepfather A. Duncan Brackett, Gary is survived by his loving partner Helia Vasconcelos of New Bedford, MA, his children Destiny Fitzgerald (Josh) and Erica Allen both of Renton, WA, Jesse Langton of Newmarket, NH and Chelsea Langton of Union, NH, his seven grandchildren, his siblings Gail Wetherby (John) of Quincy, MA, Steven Langton (Jamie) of Hampton, NH and Brian Langton of North Berwick, ME.

Gary was an enthusiast of vintage motorcycles and bicycles. He lived most of his life in the Portsmouth, NH area before moving to New Bedford, MA. His family will be forever grateful to Helia for her dedication to Gary and for making his end of life peaceful and full of love. He had a special charm and will be missed.

Visiting hours will be from 4 to 7 November 4 at Farrell’s Funeral Home in Portsmouth, NH. A private burial for the family will be held at Saint Joseph Cemetery in Bedford, NH. In lieu of flowers, please donate to your local food pantry and be kind to one another.

Posted on October 27, 2022

Published in Portsmouth Herald/Foster’s Daily Democrat/Seacoast Sunday, Portsmouth Herald/Foster’s Daily Democrat/Seacoast Sunday

service information

Visitation

Farrell’s Funeral Home 684 State Street Portsmouth, NH 03801

November 04, 2022 at 4:00 p.m. – 7:00 p.m.

Fairfax Co. man died after riding motorcycle in Jeep

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Fairfax County Police identified the motorcyclist as 27-year-old Andrew Dearing of Fairfax.

A Fairfax County man died after driving his motorcycle into a jeep on West Ox Road on Wednesday night, police said.

Fairfax County Police identified the motorcyclist as 27-year-old Andrew Dearing of Fairfax.

Police say he is the 14th person who was not a pedestrian to die on Fairfax County roads this year.



Shortly after 6:15 p.m., Fairfax County police said they received a call to drive to West Ox Road and Ox Hill Road in Fairfax near the Fair Oaks Mall for a report involving a 2018 Yamaha MT-07 motorcycle and a 2000 Jeep Grand Cherokee.

They said Dearing was driving his motorcycle south on West Ox Road in the left lane. The driver of a Jeep was in the northbound turn lane on West Ox Road, about to turn onto Ox Hill Road.

Then police said the motorcycle drove through the intersection from the southbound left lane and struck the Jeep. Dearing was taken to hospital, where he was pronounced dead, police said.

Anyone with information about the crash is asked to call 703-280-0543.

Below is a map of the crash location.

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Introducing the exclusive “gitamini™ limited edition” where high tech meets high fashion and healthy living

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Kicking off the holiday season with an all-new makeover of PFF’s best-selling robot, the limited-edition gitamini now comes in an exclusive colorway and includes a Bluetooth™ speaker

BOSTON, October 25, 2022 /PRNewswire/ — Fast forward Piaggio (PFF), a leader in tracking technology, announces the launch of the newest addition to the gita robot family just in time for the holiday season. This first all-black limited edition of gitaminiature is the perfect gift for healthy lifestyle enthusiasts, fashion and accessory enthusiasts, environmentally conscious individuals, technology adopters, and those with pedestrian lifestyles. The exclusive gitaminiature the limited edition in Shadow Black runs with the same pedestrian tag as PFF’s other mainstream robots, but is the first gitaminiature to have a built-in Bluetooth® speaker that owners can use to stream music through the mygita app to enhance walking life experience. The limited edition is the only gitaminiature custom designed robot with matching black body panels and wheels, with cool gray features including trash can and logo, LED accent lighting and custom sounds designed by the Berklee College of Music. PFF’s first limited-edition all-black colorway is timeless and refined, making it the perfect accessory to see you through the festive season and beyond. Black is a classic neutral that fits right into any wardrobe, while the speaker adds a fun element that’s perfect for providing or amplifying entertainment during your daily activities – a perfect holiday accessory.

“This holiday was the perfect opportunity to create an exclusive colorway for the best-selling gitaminiature robot. We’ve designed it with a blacked-out body and wheels accented by the contrasting cool gray interior to allow its user to easily locate their belongings inside the bin. We also gave this gitaminiature a Bluetooth speaker for walking enthusiasts to have a higher experience as they enjoy their life on foot even more,” notes Greg Lynn, CEO of PFF. “Most walks being a mile or less, gitaminiature makes those 2,000 steps easier, more fun, and now addictive.”

A leader in tracking technology, PFF continues to revolutionize the way humans and machines interact by designing innovative mobile technology solutions that change the way people move – to help people walk more, walk farther and to allow them to do more of their daily life on foot. PFF continues to listen to customer feedback and expand its family of one-of-a-kind follower robots programmed with the pedestrian tag.

gita shopminiature limited edition

Available now on a first come, first served basis, the gitaminiature a limited edition robot will be offered while supplies last. Be the first to buy the last drop! It is available to consumers starting at a retail price of $2,175.00. Always free shipping and financing through Affirm available at checkout.

About gitaminiature

gitaminiature is a load-carrying robot that lets you walk farther and more often, rather than driving. It is light (only 28 lbs) and nimble (zero turning radius); is compact and has easy-to-lift exterior handles; uses a combination of cameras and radar technology to see its surroundings. It pairs with its user at the touch of a button, automatically brakes when needed, and adjusts its speed to keep pace along the way. Gitaminiature stands upright and self-balances and maintains a tracking pace of up to 6 mph for up to 21 miles on a single charge while carrying up to 20 pounds of gear (1000 in3 capacity). Available in refined Boardwalk Beige or eye-catching Spark Citron and now, for a limited time, in chic Shadow Black, including an exclusive Bluetooth-enabled speaker.

About Piaggio Fast Forward

The leader in Piaggio Fast Forward (PFF) intelligent tracking technology is a Boston-company founded in 2015 and financed by the Piaggio Group, the Italian manufacturer and creator of the iconic Vespa scooter. PFF has an in-depth knowledge of pedestrian mobility and uses this knowledge to create innovative mobile technology solutions that follow the way people move. PFF’s vision is to support the local mobility needs of businesses, communities and individuals centered on people rather than cars, supporting healthier lifestyles, cleaner environments and stronger local economies. For more information, please visit www.piaggiofastforward.com

About the Piaggio Group

Founded in 1884, Piaggio Group is the largest manufacturer of scooters and motorcycles in Europe and one of the world leaders in the sector. The Piaggio Group has been listed on the Italian stock exchange since 2006 and has three main activities: 2 and 3 wheels (scooters and motorcycles), light commercial vehicles and robotics (PFF). The Group’s portfolio includes some of the most iconic and well-known brands in the light mobility industry, such as: Piaggio, Vespa, Moto Guzzi, Gilera, Derbi, Ape and Piaggio Commercial. Piaggio Group has more than 6,600 employees, it has a distribution in more than 100 countries and six industrial sites (in Italy, India, China and Vietnam). The Group also has four research and development centers, which employ around 1,000 people.

“Forward-Looking Statements” Disclaimer

This press release contains statements regarding PFF’s future business and future events that may constitute “forward-looking statements”. Forward-looking statements can generally be identified by the use of terms such as “anticipate”, “believe”, “will”, “could”, “estimate”, “expect”, “intend”, “likely”, “could”, “plan”, “predict”, “potential”, “should”, or the negative of these and other comparable terms. These forward-looking statements are not guarantees of future performance and involve known and unknown risks, uncertainties and other factors, many of which are beyond PFF’s control, which may cause actual results to differ materially from those expressed or implied in these statements. The forward-looking statements set forth in this press release are current as of the date of this press release and are based on various estimates and assumptions that are subject to business, economic and competitive uncertainties and contingencies, with respect to decisions future sales, which are subject to change. PFF undertakes no obligation to update or revise the information contained in this press release, whether as a result of new information, future events or circumstances or otherwise.


PFF press contact:

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Elizabeth Murphy

Please upload images here



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SOURCE Piaggio Fast Forward

SUV hits motorcycle, killing North Chicago man, after motorcycle breaks down on pavement in Waukegan

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A Chevrolet SUV rammed a motorcyclist at Green Bay Road and Suddard Street in Waukegan early Sunday morning, leaving the operator dead. | Photo submitted to Lake and McHenry County scanner

An SUV struck and killed a North Chicago man who had slowed down or stopped on the pavement on his motorcycle in Waukegan after encountering a mechanical problem.

The Waukegan Police Department responded at approximately 1:45 a.m. Sunday at the intersection of Green Bay Road and Suddard Street to a vehicle accident.

Officers arrived to find an accident involving a small motorcycle and an SUV, according to Waukegan Deputy Chief of Police Joe Florip.

The Waukegan Police Department Major Accident Unit was activated and responded.

Investigators believe a street-legal 2018 Kawasaki Z125 Pro motorcycle was traveling south on Green Bay Road.

The Kawasaki had a mechanical problem and the bike slowed down significantly or stopped, Florip said.

A 2021 Chevrolet Trax SUV struck the motorcycle from behind.

Investigators believe the scene lighting and the mechanical failure of the motorcycle were the main elements of the crash, Florip said.

The motorcyclist was pronounced dead at the scene.

Florip said the driver of the motorcycle was identified as a North Chicago man in his 40s.

The man’s identity will be revealed after an autopsy and notification to the family by the Lake County Coroner’s Office.

The driver of the SUV, a woman in her fifties from Sion, remained at the scene after the accident.

The woman is cooperating fully with the investigation. No citations were issued and no charges were filed.

The biker was not wearing a helmet, Florip said. The driver of the SUV was wearing her seat belt.

Police also determined that the motorcycle was reported stolen in Grayslake on July 9.

The accident is still under investigation by the Waukegan Police Department.

Harley-Davidson, Inc. (NYSE:HOG) Receives an Average “Hold” Rating from Brokerages

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Harley-Davidson, Inc. (NYSE: PORKGet a rating) earned an average recommendation of “Hold” from the ten analysts currently covering the company, market beat reports. Five equity research analysts rated the stock with a hold recommendation and four gave the company a buy recommendation. The average 1-year target price among brokerages that have hedged the stock over the past year is $46.00.

Several research companies have commented on HOG. Robert W. Baird cut his price target on Harley-Davidson stock from $55.00 to $45.00 and set an “outperform” rating on the stock in a Wednesday, Oct. 5 research note. Morgan Stanley cut its price target on Harley-Davidson shares from $44.00 to $40.00 and set an “equal weight” rating for the company in a Thursday, July 14 research report. DA Davidson raised its price target on Harley-Davidson from $36.00 to $37.00 and gave the stock a “neutral” rating in a Friday, October 14 report. StockNews.com began covering Harley-Davidson in a report on Wednesday, October 12. They set a “hold” rating for the company. Finally, Bank of America lowered its price target on Harley-Davidson from $70.00 to $60.00 and set a “buy” rating for the company in a Wednesday, July 20 research report.

Insiders place their bets

Separately, director Rafeh Masood purchased 1,335 shares of the company in a transaction dated Tuesday, August 9. The shares were purchased at an average price of $37.50 per share, with a total value of $50,062.50. Following the purchase, the director now owns 1,335 shares of the company, valued at approximately $50,062.50. The acquisition was disclosed in an SEC filing, which is available via the SEC website. Insiders of the company hold 0.60% of the shares of the company.

Institutional investors weigh in on Harley-Davidson

Hedge funds have recently been buying and selling shares of the company. Lazard Asset Management LLC bought a new position in Harley-Davidson stock in Q1 worth about $31,000. CX Institutional bought a new position in Harley-Davidson in the second quarter worth about $40,000. Tradition Wealth Management LLC increased its stake in Harley-Davidson stock by 120.8% in the first quarter. Tradition Wealth Management LLC now owns 1,340 shares of the company worth $53,000 after buying 733 additional shares in the last quarter. Brown Brothers Harriman & Co. increased its holdings of Harley-Davidson stock by 1,144.1% in the first quarter. Brown Brothers Harriman & Co. now owns 1,381 shares of the company valued at $54,000 after buying 1,270 additional shares in the last quarter. Finally, Covestor Ltd increased its position in Harley-Davidson shares by 74.7% during the first quarter. Covestor Ltd now owns 1,660 shares in the company valued at $65,000 after acquiring an additional 710 shares in the last quarter. Institutional investors hold 87.12% of the company’s shares.

Harley-Davidson Price Performance

Shares of NYSE: PORK opened at $35.44 on Monday. The company’s fifty-day moving average price is $38.57 and its 200-day moving average price is $36.42. The company has a debt ratio of 1.97, a current ratio of 1.44 and a quick ratio of 1.25. The company has a market capitalization of $5.18 billion, a price-earnings ratio of 8.64, a PEG ratio of 0.73 and a beta of 1.29. Harley-Davidson has a one-year low of $29.80 and a one-year high of $44.46.

Harley-Davidson (NYSE: PORKGet a rating) last announced its results on Thursday, July 28. The company reported earnings per share (EPS) of $1.46 for the quarter, beating the consensus estimate of $1.21 by $0.25. Harley-Davidson had a net margin of 12.11% and a return on equity of 25.73%. The company posted revenue of $1.47 billion in the quarter, compared to analysts’ estimates of $1.24 billion. In the same period a year earlier, the company had earned earnings per share of $1.41. The company’s quarterly revenue fell 4.1% from the same quarter last year. On average, stock research analysts expect Harley-Davidson to post earnings per share of 4.54 for the current fiscal year.

Harley-Davidson increases its dividend

The company also recently declared a quarterly dividend, which was paid on Thursday, September 22. Investors of record on Monday, September 12 received a dividend of $0.1575. The ex-dividend date was Friday, September 9. This represents an annualized dividend of $0.63 and a yield of 1.78%. This is a boost from Harley-Davidson’s previous quarterly dividend of $0.16. Harley-Davidson’s payout ratio is 15.37%.

About Harley-Davidson

(Get a rating)

Harley-Davidson, Inc. manufactures and sells motorcycles. The Company operates in two segments, Motorcycles and Related Products and Financial Services. The Motorcycles and Related Products segment designs, manufactures and sells Harley-Davidson motorcycles, including cruiser, touring, standard, sport and dual models, as well as motorcycle parts, accessories, apparel and related services .

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Analyst recommendations for Harley-Davidson (NYSE:HOG)

This instant news alert was powered by MarketBeat’s narrative science technology and financial data to provide readers with the fastest and most accurate reports. This story was reviewed by MarketBeat’s editorial team prior to publication. Please send questions or comments about this story to [email protected]

Before you consider Harley-Davidson, you’ll want to hear this.

MarketBeat tracks daily the highest rated and most successful research analysts on Wall Street and the stocks they recommend to their clients. MarketBeat has identified the five actions that top analysts are quietly whispering to their customers to buy now before the market spreads…and Harley-Davidson wasn’t on the list.

While Harley-Davidson currently has a “Moderate Buy” rating among analysts, top-rated analysts believe these five stocks are better buys.

See the five actions here

Student Loan Refinance vs Consolidation: What’s the Difference and Which Should I Choose?

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Jit has the potential to build a prosperous society financial future. I thought that was the whole idea of ​​going to college. However, if you have a lot of student debt and significant monthly payments, your financial situation may not be as ideal as you had hoped.

You may be able to change that by refinancing or consolidating your student debt. But how do these two choices differ from each other? What choice will impact your life, then?

Terms “refinancing” and “consolidate” are frequently used in connection with student loans. Although they have different meanings, both alternatives serve the same purpose – to simplify your student loan repayments by combining multiple loans into one loan with one monthly payment.

What each solution can do for you is where the biggest differences lie. You refinance your federal and private student loans at rreduce interest chargesand you combine your federal loans to have more control over them.

Student Loan Refinance

You may have combined federal student loans with loans from private lenders to pay for your education. Each of the loans may have different terms, interest rates and amounts. While some of your loans may have fixed rates, others may have variable rates. You can consolidate all of your student debt, both federal and private, into one more affordable loan using student loan refinancing, which is only possible through a private lender. If your credit is in good standing, the new interest rate on this refinanced loan may be lower.

To qualify for a refinance loan and get a cheaper rate, you must have a strong credit history or a co-signer with good credit. Another crucial fact to consider is that when you refinance a federal loan using a private loan, you are effectively converting that federal loan into a private loan. Therefore, you should not include your federal loans in your refinance if you want to take advantage of the benefits of federal loans, such as income-based repayment alternatives and loan forgiveness. You could easily choose to refinance your personal loans as an alternative.

Student loan consolidation

Consolidation is an additional choice if you have federal loans and want to retain the security and other benefits that come with them. Consolidating all of your federal student debt into one loan from the federal government is known as federal loan consolidation. The federal government does not allow you to consolidate private debt, unlike refinancing into a private loan, which allows you to refinance federal and private loans.

Another important distinction with consolidation is that the interest rate, which will be fixed, will not be lower. Instead, it will be a weighted average, rounded to the nearest 1/8%, of all the interest rates on your current federal loans.

Let’s say you have six federal student loans. The interest rates of three of them are 5%while the rates of the other three are seven%. Your new interest rate, based on the weighted average, would be 6% if you consolidated. This indicates that three of your loans will experience rate increases, while three will experience rate decreases. Consolidation, however, would result in a single loan with a 6% interest rate.

Which should I choose?

Although they work in different ways, both refinancing and consolidation can help you pay off your student loan debt. Refinancing is not an option for people whose credit rating does not exceed lenders’ requirements, despite the fact that it can help you save money and provide you with great flexibility in your term of reimbursement and your monthly payments. Additionally, you will no longer be eligible for federal loan benefits.

Consolidation won’t save you money; in fact, it may cost you more; but it can help you achieve your goals without sacrificing the benefits provided by the Department of Education.

Research both alternatives and compare student loan refinance rates if you’re trying to decide between refinancing and consolidating your debt. Each scenario is unique, so while it might work for a friend or family member, that doesn’t mean it’s the perfect decision for you.

Bandit9 is the perfect Vespa for a Terminator 2 reboot

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When the powers that be in Hollywood finally decide to restart the terminator franchise (again), the all-electric Bandit9 Nano is the moped on which pre-teen John Connor will attempt to escape the liquid metal T1000.

The Vietnamese brand Bandit9 pushes art deco, Metropolis-y aesthetic with its polished 904L steel fairing and doubling down on its desire to lead the marketing fight against the iconic steel-bodied Vespa brand (which other than Royal Alloy/LML is the only scooter brand I know to build bicycle steel bodies).

“Vespa has gone unchallenged for decades,” reads the company’s website. “There’s just no other choice; they are beautiful, classic and affordable. We love them, fear them and admire them. And now we will fight them.

More than just a pretty face

Interchangeable batteries; courtesy of Bandit9.

Underneath the steel Nano electric moped seat you will find a removable 4.2kWh Gogoro-style lithium-ion battery that can be swapped out in seconds Where recharged away from the bike (think: in a dorm or office) in about four hours.

And, while it is certainly worth noting that this is not a Gogoro battery and that the Vietnamese company takes up the challenge of developing a battery apparently on its own (a strategy taken up by its Vietnamese colleague, VinFast), it is too It’s worth noting that the Nano’s battery sends power to a powerful 4000W electric motor built into the rear hub (that’s around 5.3hp, which puts it in the meaty part of the moped range ICE of 50 cc).

This combination is good for a top speed of 45 km/h (27 mph) and a range of 60 miles (96 km) at $4,499, while the more expensive Nano+ (at $4,999) is capable of reaching speeds of up to 70 km/h (43 mph). ) with a similar scope.

You can check out some more photos of this futuristic new electric moped in the photo gallery below, then let us know what you think of its liquid metal styling in the comments section at the bottom of the page.

Bandit9 Nano Photo Gallery

spring | Pictures: Bandit9.


 

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Bangladesh Motorcycle Market – Facts & Data 2022

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Motorcycles Bangladesh

Motorcycle industry in Bangladesh found a new fuel in the higher limits for imported vehicles, now at 500cc and the industry is growing rapidly. After the first nine months of 2022, sales were at 336,000, projecting the year on the new all-time high.

Motorcycle market trend in 2022

Two-wheelers represent the primary personal mobility device in the country and have huge room to grow over the next decade, in line with growing pro-capita income.

With a population of 167 million and an average annual GDP growth of over 7% over the past five years, and high remittances from expatriates, Bangladesh is one of the top 5 emerging economies in the world for the next decade. Although it has doubled in the last five years, the per capita income is still among the lowest in the world (USD 1,829 in 2019), but it is expected to double in the next five years.

The economic boom has created a huge demand for individual mobility and the two-wheeler industry represents the most effective solution, following the path already taken by several other South Asian countries.

Fortunately, local governments have embraced this philosophy and implemented a series of tax initiatives, import policies, incentives for innovation.

Ten years ago the aim was to support the start of local production, creating a barrier to imported vehicles and components, but in recent years a more open view has taken up space and the government has reduced duties on imported parts (from 25% to 20%) and on imported models.

Bangladesh, one of the few countries in the world to limit the capacity of motorcycle engines, decided at the end of 2021 to follow the recommendation of the Tariff Commission and the requests of several new investors, raised the limits of 250cc road motorcycles to 500cc opening the market to new opportunities.

The first entry was the Indian Royal Enfieldleader in this segment throughout the region. FIDA Motors Ltd. immediately signed a memorandum of understanding with Royal Enfield to import (and likely produce locally) their product in the country.

Meanwhile, the industry is developing rapidly. After the first nine months of 2022, sales were at 336,000, projecting the year on the new all-time high.

Leading Bajaj Auto is gradually losing ground to competition from Hero Motor, TVS Motor and Chinese manufacturers, while domestic producer Runner has positively ended the IPO process by finding new capital to further boost the activity.

Motorcycle manufacturing

The Indian Bajaj Auto has been producing locally since 2015 and was immediately followed by TVS, Hero Motors, Suzuki and Yamaha.

The last to open a plan was Honda. Indeed, Honda opened its motorcycle factory in November 2018. The factory is expected to be expanded in 2021 for a new capacity of 200,000 units.

Indeed, more than 80% of two-wheelers sold in Bangladesh are made locally.

In Bangladesh, the import duty is 45%, which keeps motorcycle prices about 2.5 times higher than in India. However, local manufacturers can agree with the government on a discount on this duty, if they produce at least one-fifth of the bicycle in the country.

Market developments and prospects

Ten years ago, sales of two-wheelers in Bangladesh were less than 10,000 units per year. Then the industry evolved rapidly, thanks to the investments of new local brands – like Runner and Walton, Indian companies – Bajaj Auto, Hero Motor and TVS -, and Japanese ones – Suzuki, Yamaha and Honda.

In 2012, the market was already multiplied by 10 compared to 5 years ago, while continuing to grow until 2016, when sales were not far from a quarter of a million.

However, the new policy established by the government in the 2017 changed the perspective of the industry by immediately causing the demand to explode, thanks to the fall in the price of motorcycles within a range of 20% (both for imported models and made locally) and a new life began.

Over the following years, the market exploded doubling in volume to reach 487,000 units in 2018 and eventually over 549,000 units in 2019.

While Japanese brands are growing, the market is literally dominated by Indian brands, with Baja Auto leading with nearly 33% market share, followed by Hero Motor and TVS. Honda is growing rapidly and has a market share close to 11%.

There is a limit on the importation of large displacement motorcycles and this is the reason why the top premium brands are not imported into the country. However, recently KTM has landed in the country with 125cc models.

Malaysian Motorcycle Grand Prix | Sports

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Heated Jackets Market Size and Forecast

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Toyota registers ‘Taisor’ name in India

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Automaker giant Toyota recently filed a new nameplate in the country – the “Taisor”. This new nameplate could be used for the Toyota version of the Maruti Baleno Cross. As we now know, the two Japanese automakers are in a partnership in India giving rise to badge-engineered models such as the Maruti Suzuki Baleno-based Toyota Glanza and the Maruti Vitara Brezza-based Toyota Urban Cruiser. We’ve seen not only badge-engineered models, but also completely new cars that are co-developed by the two automakers, like the new Toyota Urban Cruiser Hyryder and Maruti Suzuki Grand Vitara SUV that marked the entry of both automakers. in the booming environment. -5-seater SUV segment.

A new camouflaged vehicle; the next Baleno Cross has been spotted by numerous tests on Indian roads. And it’s thought Toyota’s branding a new name could mean Toyota’s version of the Baleno-based crossover would get the “Taisor” name. With details barely available, what we do know is that Toyota’s Baleno Cross will come with either a naturally aspirated 1.2-litre 4-cylinder petrol engine or a turbo-jet turbo-petrol engine from 1.0 liter mated to manual and automatic options. Inside, features like a head-up display, 360-degree camera, full-size touchscreen display supporting Android Auto, Apple Car Play and automatic climate control along with a premium padded cabin are expected. However, the Tasor badge could also be given to one of its upcoming new products.

brand new hot techy brezza o

Maruti’s sub-4 meter SUV, the Brezza, has been launched in its new generation while Toyota’s Urban Cruiser has yet to be seen, but Toyota has already used the Urban Cruiser suffix for its Hyryder. With Maruti also removing the Vitara suffix from its sub-4m SUV to avoid confusion with its larger ‘Grand Vitara’, speculation is that Toyota may be planning something along similar lines for its version of the Brezza, naming it that way. the Tasor.

Toyota Urban Cruiser vs. Maruti Suzuki Vitara Brezza

Apart from that, Toyota is planning to unveil the next generation Innova soon. This popular new minivan model is rumored to be named ‘Innova Hycross’, featuring a hybrid powertrain. The mark has “Accepted and Announced” status under the proprietary name of Toyota Motor Corporation.

Will this fit in? I took Royal Enfield’s retro INT650 to the Vashon Island Vintage Bike Rally

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There are many more photos at the end of this story.

I’ve owned a lot of vintage motorcycles, and there seems to be a trend: many of them were parallel twins, or P-Twins, including a Norton Commando 750, BSA A50, Honda CB450SS, Yamaha XS650 and a Yamaha Seca 400. There’s just something about this engine that has both soul and sound, aesthetics and performance. In 2020, with no vintage machines in the garage, I acquired a new INT650, also known as the Interceptor 650 outside the US, a thoroughly modern yet very retro P-Twin of India’s revitalized Royal Enfield and modernized.

And after a Covid hiatus, the North West’s most entertaining vintage motorcycle rally, VME’s Isle of Vashon TT, was back for 2022. How would the retro-modern Royal Enfield INT650 P-Twin perform during such an event? Would I be kicked out of the sprawling island, located in Puget Sound outside of Tacoma, Washington, for trying to be a retro impostor? Or would the hundreds of vintage riding enthusiasts allow me to park and camp my fuel-injected, ABS-equipped (but still air-cooled) vintage-style slice of modernity in the D-grade range? exhaust from their beloved time machines? Only one way to find out.

I packed the INT650 with camping essentials since our group was going to be setting up pitches at AYH Ranch, a former American hostel that has since been converted into a vintage Western-style respite for travelers, offering rooms, cabins, teepees and acres of flat, manicured grassland for tent camping.

When camping on a motorcycle you need to pack light, especially on a small displacement machine like the INT650. Fortunately, I have the material for that. Now we just needed the weather to cooperate, and showers were forecast. Undeterred, our little squadron of runners left the Portland area and traversed winding back roads and high-speed interstate highways to Tacoma, where we hopped on a ferry for the short trip over the water to Vashon Island, where the pace of life is a bit slower than in neighboring Tacoma and Seattle. Bonus detail: Motorcycles are the first to get on and off the spacious Washington Ferries.

Once at AYH Ranch, we set up our campsites along the tree line and headed out to the small town of Vashon to Sporty’s Tavern for satisfying fried seafood, burgers and pucks. ‘onion. Then it was back to camp for foam and a chat. Unfortunately the dry summer and nearby forest fires meant no campfires were allowed. So we chatted under the outside lights in the evening about life, bikes and adventures while browsing through a selection of vintage motorcycle magazines from the 1970s.

My goodness, how times have changed, but it was fun to see ads for all those “new” P-Twins from five decades ago that now stood on Vashon Island as vintage icons .

Saturday is rally day, and stripped of panniers and camping gear, the INT650 looks light and lean. Twin vertically swept lightweight S&S brushed-aluminum exhaust pipes allow the engine to express itself fully under the throttle, while growling with grace and composure over the sometimes rough Vashon pavement. The first event of the day is a poker race, starting in the town of Vashon. The route goes around the island and at each stop, runners are given a “map”. At the end of the race, the best hands win prizes. Safe to say I shouldn’t start playing poker anytime soon.

Delicious burgers and fixins are also on the menu at the last stop, along with a show and shine competition and fun motorbike games including Push the Barrel and a circle race in which the circle continually becomes… smaller. Get passed and you’re out of the race! The games were held on dirt and grass, so while a few bikes fell sideways, most of the damage was done to the riders’ egos.

The rally bikes ran the gamut, from old, almost steampunk-worthy Britbikes to immaculately restored 1970s Japanese machines and sidecars with riders in period gear. Riders on modern machines are also welcome at the Vashon TT.

MORE FORBESRide review: Royal Enfield’s Mellow Meteor 350 brings zen back to motorbike riding

How did the INT650 measure up? Royal Enfield’s market share in the US has seen a surge of late as the company strives to expand dealerships and its US customer base with new offerings like the 350 Meteor (review above) and the Himalayan adventure bike, but it’s still a fairly new brand on the American motorcycle scene, and the INT650 still makes people stop, take a closer look, and ask questions about what it is, where it’s made and how it rides. And overall, even vintage riders gave it a pass, with some admitting they were considering one for themselves, thanks to the affordable $6,199 price tag and deft blend of vintage styling and tech. modern.

Safely back at camp, we passed around bottles and new stories as the air became heavy with humidity, and sure enough, drops started pattering on my tent flysheet as I dozed off for the night. In the morning, the sky was just cloudy as we packed up to go home. The return trip passed through tiny towns and farmlands, crossed high steel bridges and along mighty Northwest rivers until the Portland skyline appeared in the distance. All too soon, the INT650 was back in the garage with its wheeled siblings, waiting for another chance to once again prove that modern technology and vintage appeal can indeed co-exist in a motorcycle that gets both values. righteous.

See you next year, Vashon.

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Man killed in high-speed motorcycle crash at Barker-Sprague roundabout

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A man was killed when he ran over a stolen motorcycle while crossing a traffic circle before sunrise Tuesday in the Spokane Valley, according to the Spokane County Sheriff’s Office.

Spokane Valley deputies and firefighters responded to the accident at the Sprague Avenue and Barker Road roundabout around 4:30 a.m., where they found the motorcyclist unconscious. He was pronounced dead at the scene.

An initial investigation revealed that the motorcyclist, who has not been identified, was traveling south on Barker Road at high speed when he failed to negotiate the roundabout and ran off the road and drove off. crashed, the sheriff’s office said.

The motorcycle appears to have been stolen, according to the sheriff’s office.

After the accident, a GMC Yukon arrived and a passenger, identified as Reid R. Schultz, got out to check if the motorcyclist was his friend. The deputies then discovered that there was a warrant for his arrest.

Schultz attempted to leave, but deputies arrested him on the warrant and other alleged crimes, including obstructing a law enforcement officer and driving under the influence of alcohol or drugs.

The Yukon driver fled the scene, according to the sheriff’s office.

Shultz was incarcerated in Spokane County Jail for obstructing a law enforcement officer and for his misdemeanor warrant, physical control of a motor vehicle while under the influence.

The Spokane County Medical Examiner’s Office will release the motorcyclist’s name at a later date.

Gurney leads Sonoma City Council candidates in fundraising

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With less than a month to go before the Nov. 8 election to fill three vacant Sonoma City Council seats, the latest campaign finance filings among the five council candidates show John Gurney has a sizable contribution advantage — outpacing the second largest fundraiser during this period by almost 34%, or $4,400.

According to campaign fundraising documents filed with the City of Sonoma, from July 1 to September 24, top fundraiser Gurney received $12,745 in total contributions, followed by Thomas Deegan, who received $8,388.46. $ of contributions.

Meanwhile, Patricia Farrar-Revis had raised $7,900.51; Ron Wellander $6,263; and Mike Nugent, $1,250.

The contribution totals of the three highest campaign fundraisers were all bolstered by loans to their campaigns from themselves, family members or businesses, with Gurney reporting $5,000 in loans from himself. same; Farrar-Revis, $6,175 from herself; and Deegan declaring $5,895.46 in loans from his wife, Kathrina Deegan, and the business, The Deegan Group.

Election law allows candidates, family, or friends to make personal campaign loans that can be repaid by outside contributions made before the election. Unlike other contributions, these candidate loans are not subject to any limits, but are subject to additional reporting, according to the Federal Election Commission.

The City of Sonoma in June raised its individual monetary contribution limit to $500; it was previously set at $100.

Gurney said the personal loans were needed because outside fundraising was behind his campaign spending schedule, which to date, he said, is about $17,000, covering the buying signs, a campaign website, photographs, brochures, survey postcards, remittance envelopes and its first mailer, which was sent out this week.

“We didn’t raise enough to cover all of these costs,” Gurney told the Index-Tribune. “I lent campaign funds to keep us going.”

Nugent, variously, does not plan to make personal loans to his campaign, but “depends on the generosity of people who love Sonoma to support my campaign.” As for campaign costs, Nugent reported $99.80 in total expenses. He said back surgery had limited how far he could ‘walk the compound’ and he would ‘assess’ his reach on social media and the mail, ‘with an eye on a strictly budget-based on our ability to get support”.

Deegan, in his Sept. 24 filing, reported $7,681.22 in expenses that he said was largely spent on “providing information to the community,” such as brochures, billboards, direct mail and digital communications.

Farrar-Revis said his expenses of $2,687.97 were for signage, solicitation cards and mailings. “I also have smaller expenses for clipboards and pencils for volunteers – and my Facebook page,” she added.

Wellander joins Nugent as one of two candidates in the race so far not to make personal campaign loans. With total contributions of $6,263, Wellander trails only Gurney in non-personal loan contributions. He said he spent the $3,939.43 of his funds “much like other candidates” on signage, a website, promotional literature and “neighborhood mixers” and “collection rallies.” of funds”, such as $641 for a campaign launch event.

Email Jason Walsh at [email protected]

history of converse chuck taylors in music

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Music and fashion are inextricably linked, and the two go in cycles. If tie-dye, bobs, or boy bands aren’t popular at some point, wait a few years, they’ll come back strong, maybe at the same time. But that rule never applied to Converse, the classic sneaker brand that’s been the favorite shoe of the world’s coolest and most innovative musicians for nearly 50 years.

That shouldn’t change anytime soon. According to a recent Ad Age-Harris poll, Converse is one of America’s top brands when it comes to catching the attention of Gen Z. Not bad for a company that’s been around since 1908 and sells its signature shoe. , Chuck Taylor All. Stars, aka “Chucks”, for about a century.

It’s easy to see why artists favor the brand, Chucks in particular. Shoes are sleek and stylish – they’re as much a part of classic American fashion as jeans and leather jackets – but affordable and unassuming. They look fresh out of the box or ratty and tattered. Pair them with khakis, skinny jeans, fishnets or whatever else you have on hand.

We’ve teamed up with Klarna to trace the long history of the intersection between Chuck Taylors and popular music. Read on to find out how generations of groundbreaking artists across genres rocked Chucks while shaking the world. You can also order custom chucks to show off your own uniqueness.

Punks in chucks
For about 50 years, beginning in the early 1920s, Chuck Taylors were America’s favorite athletic shoe. But with the rise of competing sneaker companies in the late ’70s, Chucks moved from the basketball court into the cutting-edge music world. It all started with punk.

No band played a greater role in establishing punk as we know it than The Ramones, who formed in Queens, New York in 1974 and adopted a uniform of motorcycle jackets, ripped jeans and canvas sneakers. Although none of the members actually rocked Chucks on the cover of the band’s 1976 self-titled debut album, bassist Dee Dee and drummer Marky Ramone began wearing Converse soon after, and the shoe became synonymous with the band.

The Ramones call New York club CBGB home, which also spawned Blondie, managed by the beaming Debbie Harry. On the cover of Blondie’s seminal 1978 album parallel lines, two of the male members standing behind Harry pair Chucks with black suits and skinny ties. It wouldn’t be the last time someone would adopt this look.

West Coast Chucks
In the ’80s, as hip-hop began to take over mainstream music, the commercialization of sneaker culture exploded alongside it. While East Coasters such as Run, Grandmaster Flash and A Tribe Called Quest have moved to more colorful new-school brands, West Coast MCs have embraced the more laid-back style associated with Converse All-Stars.

Leading the charge of California rap icons who donned Chucks was pioneering band NWA, who can be seen sporting canvas high-tops in several iconic photos from the late ’80s. Paired with khaki pants and a plain t-shirt, a new pair of black Chucks was the perfect way for the band to emulate the gritty vibe of their neighborhoods.

Over the next two decades, NWA’s love for Chuck Taylors was also passed on to the next wave of West Coast legends, including Snoop Dogg, who referenced the brand in 20 of his songs and donned Chucks. in clips for some. of his greatest hits, including “Gin and Juice”. He even rocked a pair of white, yellow-laced All Stars during his 2022 Super Bowl halftime performance.

All Alternative Rock Stars
In 1991, the American punk movement that had been building for a decade finally exploded onto MTV and mainstream radio in the form of Nirvana. The Seattle trio were labeled “grunge” and “alternative”, as were their Pacific Northwest colleagues like Mudhoney and Pearl Jam. All of these bands wore Chuck Taylors, but Nirvana frontman Kurt Cobain is the era figure most closely associated with the shoe. He notably wrote “endorsement” on the toes of his black low-top shoes, offering a sly commentary on the notion of corporate sponsorship.

The same year “Smells Like Teen Spirit” created a mood change in the rock world, Boston ska-punk pioneers The Mighty Mighty Bosstones became the first band to appear in a Converse commercial. The original location sent another signal that Chucks were shoes for the out-of-the-box thinker, like those who would dare to dress head-to-toe in plaid and combine Jamaican ska with hardcore and metal.

Other ’90s alt-rock heavyweights known to do battle in Chucks include Red Hot Chili Peppers, Rancid, Radiohead, Gin Blossoms and Green Day, who roam the streets of San Francisco in Chucks in the video for ” When I Come Around” from 1994.”

The anguish of all the stars
Sixties proto-punk and garage rock made a big comeback in the early 2000s, and a New York-based band was at the forefront of the revival movement. Known for their unkempt black hair, devilish attitudes and masterful debut in 2001, Is this this, The Strokes consciously adopted Converse as their shoe of choice so that there was no doubt that they were part of a group when they walked down the street. Drummer Fabrizio Moretti and guitarist Nick Valensi each rock All Stars on the band’s very first NME cover and in the music video for the band’s enduring hit, “Last Nite”.

The Strokes weren’t the only rockers to signal their rock star attitude with Converse in the 2000s, either. Blink-182 and the Arctic Monkeys can be seen wearing All Stars in major music videos (“All the Small Things” and “I Bet You Look Good on the Dance Floor”, respectively), and emo-rock hitmakers Fall Out Boy shout the mark on their 2003 track “Parker Lewis Can’t Lose (But I’m Gonna Give It My Best Shot )”.

Around the same time, Chucks also began to infiltrate mainstream pop, thanks in large part to resident cool and angsty girl Avril Lavigne. Inspiring legions of young girls to follow suit, the Canadian pop-punk superstar wore black Chucks seemingly everywhere she went, and she represented the brand heavily in her Top 10 music video “Sk8ter Boi.” In the latter half of the decade and into the 2010s, pop stars like Demi Lovato, Aly & AJ, and Rihanna also nodded to Converse in their lyrics, in an effort to highlight their girl personas. cool.

Back in the 2010s
According to a Genius search, the artist who has used the word “Chucks” the most in their song lyrics is rapper-turned-pop-punk Machine Gun Kelly, who shot to fame in the 2010s. MGK rapped or sang the word 22 times. And he’s not the only superstar musician of the past 15 years to have made Chuck Taylors a major part of their image. Following in NWA’s footsteps, next-gen LA rappers The Game, ScHoolboy Q and the late Nipsey Hussel have all verified Chucks name in 10 or more songs. Overall, The Game is the artist with the most Converse mentions: he’s rapped “Chucks”, “Converse” or “Chuck Taylors” in 48 different songs.

Wiz Khalifa is another 21st century rapper with a soft spot for Chucks. He’s referenced All Stars in at least a dozen songs, and his entertainment company, Taylor Gang, is partly named after the shoe. In 2013, the same year he teamed up with Converse on the Chuck Taylor All Star Wiz Khalifa collection, Khalifa managed to own 200 pairs of Chucks.

The biggest names in pop also love Chucks. Olivia Rodrigo shows off her black high-tops in her “driver’s license” and “deja vu” music videos. Camilla Cabello walks around in white tops in her “Señorita” music video. Ariana Grande usually prefers heels these days, but in the video for “Baby I” from 2013, she struts around in purple Chucks. Chuck Taylors are a way to show the world that you’re a bit punk, totally laid back, or just plain fun and playful.

Chucks forever
It’s impossible to say where music and fashion will go in the next 10 years, but it’s a safe bet that the next generation of artists worth knowing will reach for the shoe that has symbolized understated cool since before they were born.

Head over to Converse to copy your pair and don’t forget to use Klarna!

This Colorado Bike Trail Has a New Name, But It’s Still a Classic Ride

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Editor’s note: This is part of The Know, Staff Favorites series. Each week, we offer our opinions on the best Colorado has to offer when it comes to dining, shopping, entertainment, outdoor activities and more. (We’ll also show you some hidden gems.)

My new favorite bike tour is the Mestaa’Ėhehe Pass ride, about 30 miles west of Denver in Clear Creek County, but the only thing new about it is its official name.

For decades, this much-loved Colorado classic, from Bergen Park to Echo Lake, was known as Squaw Pass. But in September, the US Department of the Interior officially renamed the pass and nearby mountain because the word “squaw” is considered a slur against Native American women. The newly dubbed Mestaa’Ėhehe Pass (pronounced mess-taw-HAY) and Mestaa’Ėhehe Mountain honor a Cheyenne woman who served as a translator between the plains tribes and white traders of southern Colorado in the early 19th century.

They were part of a group of 28 sites in Colorado (and 650 nationally) that were renamed; all Colorado names included the same Native American slur.

It’s a gorgeous ride, 36 miles round trip from Bergen Park to Echo Lake and back. It climbs 3,300 feet to the highest point, 15 miles, then descends about 450 feet for 3 miles to Echo Lake.

Yes, the outward part is tough because of all that climbing – that’s why we love it, after all – but there’s very little pedaling the last 15km to the starting point because gravity does the work. I actually use my brakes a lot of the way down because anything over 30 mph on a bike scares me.

The road parallels I-70, which is 4-5 miles north and hundreds of feet below. Along the way, it passes Echo Mountain Ski Area and offers panoramic views north of the Continental Divide and the Indian Peaks. At about 15 miles, near the highest point of 11,150 feet, the fourteen twins, Grays and Torreys, appear. Right after that, Mount Evans (which may also be renamed soon) appears to the south. It was especially beautiful up there last Monday because the aspens were still in their fall colors.

I usually park at the Bergen Park RTD parking lot on Colorado 74 at an elevation of 7,800 feet. From there I drive south about half a mile and turn right onto the road that the signs still refer to by its old name. Just to the south is JeffCo Open Space’s Elk Meadow Park.

This is a very popular route for Front Range cyclists, so a message board at the start warns motorists that under Colorado law they must maintain a minimum of 3 feet between themselves and cyclists when passing. A metal sign nearby reiterates this message.

The entire drive from there to Echo Lake is on a winding two-lane asphalt road that climbs almost relentlessly. Most of the westbound ascent has a bike path – or, at the very least, a shoulder – so slow riders will feel pretty safe. The descent to Bergen Park, however, has no shoulder. It’s quite common for downhill cyclists to travel as fast as downhill vehicular traffic, and a sign informs drivers that cyclists are allowed to use the full lane.

If 36 miles is too much, riding to Echo Mountain ski area and back is about 26 miles, and that still gives you about 3,000 feet of ascent.

I’ve already outlined a few of my other favorite attractions in Staff Favorites – Lookout Mountain and Guanella Pass. I also like Vail Pass, Hoosier Pass and Lefthand Canyon.

But with its new name, the Mestaa’Ėhehe Pass ride will always be at the top of my list.

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Man dies after crashing into Beverly pole on motorbike

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A Massachusetts man died after crashing a motorcycle into a utility pole early Sunday morning in Beverly, police say. his side and the operator a short distance away on the ground. Emergency medical personnel assisted the motorcycle operator, Michael Abraham, 41, of Salem, before transporting him to Beverly Hospital with medical serious injuries.Abraham died of his injuries to Beverly Police said members of the Massachusetts State Police Collision Analysis and Reconstruction Section responded to the scene and were assisting in the accident investigation.

A Massachusetts man died after crashing a motorcycle into a utility pole early Sunday morning in Beverly, police say.

Beverly Police said the crash happened around 1:45 a.m. in the area of ​​46 McKay St.

Responding officers found a motorcycle on its side and the operator a short distance away on the ground.

Emergency medical personnel rescued motorcycle driver Michael Abraham, 41, of Salem, before transporting him to Beverly Hospital with serious injuries.

Abraham died of his injuries in hospital.

Beverly Police said members of the Massachusetts State Police’s Collision Analysis and Reconstruction Section responded to the scene and are assisting with the crash investigation.

Doyline man killed in motorcycle crash in Webster; Speeding suspected cause

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WEBSTER PARISH, La. (KSLA) – Louisiana State Police (LSP) troopers are investigating a crash involving a vehicle that resulted in the death of a man.

The accident happened Saturday, October 15, just after 11 p.m. on LA Hwy 527 at Junior Edwards Road. When soldiers arrived, they discovered that 41-year-old Marvin Champlain had run over his 2002 Harley-Davidson motorcycle.

Champlain was traveling south on LA Hwy 527 at high speed when he veered off the road and was thrown from his motorcycle.

Champlain, who was not wearing a DOT-approved helmet and suffered fatal injuries. He was pronounced dead at the scene by the Webster Parish Coroner.

It is not known if a disability was a contributing factor to this accident and it is not known why Champlain left the road. Routine toxicological samples were collected and submitted for analysis.

The accident is still under investigation.

Riders encourage all riders to take an approved motorcycle safety course. These courses teach safe driving practices and help you apply safe driving strategies that can help reduce your risk of injury in the event of an accident. Anyone interested in taking motorcycle safety courses can go to http://lsp.org/moto.html for more information.

In 2022, G Troop investigated 29 fatal accidents, resulting in 32 fatalities.

Florida fishing communities have offered support from Governor Ron DeSantis

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Governor Ron DeSantis held a press conference in Punta Gorda on Saturday to show his support for fishing communities affected by Hurricane Ian.

Joined by other state and national officials, DeSantis discussed efforts underway to help residents and business owners in the fishing industry recover. DeSantis also touched on the progress already made since Ian landed.

He thanked local boat captains for their role, whether helping residents return to their homes on barrier islands or volunteering with law enforcement for rescues.

DeSantis spoke of the devastation he saw on many ships and their gear throughout the Southwest region.

How you can help:Where to donate time, money, food and other supplies to Hurricane Ian victims

D-SNAP delay:Sunday is the last day for Lee County residents to register and complete the interview for D-SNAP

Pictures:Hurricane Ian before and after: Matlacha fishing village

Recovery round table:DeSantis Hosts Hurricane Ian Recovery Roundtable with Southwest Florida Businesses

With the fishery having an estimated $10 billion economic impact on Florida, he said officials were working to help the industry and its businesses get back on their feet and eliminate any challenges on the road to recovery. reprise.

“We’re the number one destination for people who come to fish…and we’re proud of that,” DeSantis said. “I know we have a lot of people who make a living out of taking people fishing and we want that to continue.”

What you need to know: The Small Business Administration Emergency Bridge Loan Program

DeSantis discussed the Small Business Administration’s Emergency Bridge Loan Program, which provides short-term, interest-free loans to small businesses that have suffered economic or physical damage due to Hurricane Ian.

The program makes $50 million available to businesses. At least $10 million is to go to small businesses that are agricultural producers affected by Hurricane Ian in the following counties:

  • Charlotte
  • Coal
  • DeSoto
  • Flagler
  • Clearings
  • Hardy
  • Hendry
  • Highlands
  • Hillsborough
  • Lake
  • Lee
  • Manatee
  • Monroe
  • Orange
  • Osceola
  • pinelles
  • Polk
  • Putnam
  • sarasota
  • Seminole
  • St. John’s
  • Volusia

Small businesses in the hardest-hit counties — Charlotte, Collier, Lee and Sarasota — will be prioritized.

DeSantis said it would help businesses purchase damaged or lost items that have risen in price due to inflation over the past year.

“Those are real challenges…if you think about all the equipment they had that was destroyed, it’s a lot more expensive to replace it today than it was two or three years ago,” DeSantis said. “It’s the same with all these other things, the upgrades, the roofs, everything you see is more expensive than in 2019 or 2020.”

Loans approved under the program are intended to “bridge the gap” between when a disaster affects a business and when a business has secured longer-term recovery funding, such as loans, insurance claims, insurance or other resources available federally or commercially.

Loans provided under this program are short-term, interest-free personal loans using funds from the State of Florida. These are not grants and loans must be repaid by the approved applicant.

They have already received over 1,000 applicants, with 225 companies approved.

Interested candidates can apply now until December 2 or until all available funds are expended. Eligible small businesses can apply for loans of up to $50,000 under the program.

Governor Ron DeSantis held a press conference Friday morning to award several bonuses to Cape Coral police officers.

Florida Governor Ron DeSantis says ‘everyone is on deck’ to help residents

Hearing residents’ concerns, DeSantis said the state will take further steps to provide permanent relief to those affected by the storm.

He said he’s spoken with Lee County officials and plans to discuss options with the state legislature, describing it as an “all hands on deck” approach.

Officials also pointed out that Florida was receiving $30 million for the Displaced Worker Grant Program, which directs resources to residents who have been displaced from their jobs and helps them find temporary employment.

DeSantis also insisted on protecting victims from scammers or unlicensed contractors who show up to make repairs to damaged homes.

“Let’s have everyone on deck, but let’s make sure our people are protected,” DeSantis said. “Let’s make sure their insurance is going to honor the job that’s being done and let’s make sure we don’t allow people to come in, exploit the situation and then walk away with no liability…that’s what ‘they’ try to do.”

Florida officials calling for certain areas to be declared a federal fishing disaster

Officials said they are asking the National Oceanic and Atmospheric Administration to declare certain areas as federal fishing disaster locations due to severe impacts from Hurricane Ian.

“We don’t really know for sure (what the damage is), but a storm of this magnitude is appropriate for this statement,” DeSantis said. “Once this is approved, it allows those industry groups and individuals to work with NOAA so they can get more support.”

FEMA: 14 disaster recovery centers open in Florida

Federal Emergency Management Agency Administrator Deanne Criswell applauded DeSantis’ words, while pointing to FEMA’s own efforts to help.

“When you say everyone’s on deck, that’s really what you see,” Criswell said. “I’m really proud to be part of the team and to support the governor in his efforts…we will keep working.”

She said there are 14 FEMA Disaster Recovery Centers open across the state, providing residents with the ability to:

  • Ask for help
  • Learn more about disaster relief programs.
  • Find out the status of your FEMA application.
  • Understand all letters you receive from FEMA.
  • Find information on housing and rental assistance.
  • Get your questions answered or problems solved.
  • Get referrals to organizations that can offer further assistance.
  • Learn more about Small Business Administration (SBA) programs.

Here are the three in Lee County and Collier County:

  • Fort Myers DMS Building, 2295 VICTORIA AVE., FORT MYERS, FL 33901
  • Lakes Regional Library, 15290 Bass Road, FORT MYERS, FL 33919
  • Veterans Community Park, 1895 Veteran’s Park Dr., NAPLES, FL 34109

Florida emergency management shifts to short-term recovery

Florida Division of Emergency Management Director Kevin Guthrie said the response to Hurricane Ian was the fastest disaster response in state history. He thanked all emergency operations and state organizations involved in implementing the rapid response.

Going forward, he said FDEM would focus on short-term recovery efforts and continue to coordinate with local partners to meet the needs of survivors.

The FWC estimates that 5,000 boats were damaged by Hurricane Ian

Captains for Clean Water Executive Director Captain Daniel Andrews reminded officials of the work boat captains do and not to overlook less impacted areas.

Its non-profit mission is to restore and protect aquatic ecosystems for the use and enjoyment of all. After Hurricane Ian, their goal is to help affected communities heal and recover while rebuilding their homes and livelihoods.

“We grew up here. We’ve been through these storms before (and) we know recovery won’t happen overnight,” Andrews said. “It will be months and months and years before these businesses are fully reopened.”

He thanked DeSantis for thinking of the shipping captains and acknowledging their hard work throughout the recovery efforts.

Florida Fish & Wildlife Conservation Commission Chairman Rodney Barreto reported on the damage and what they saw, estimating that more than 5,000 vessels were damaged by Ian.

Barreto said FWC workers are committed to getting the waterways clean and clear for boaters, but there’s no timeline.

North Muskegon man defies odds after motorcycle incident

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Although riding his motorcycle has been therapeutic for him, he will hang up his helmet. He plans to return to the scene of the accident on Sunday.

GRAND RAPIDS, Mich. — Despite a serious spinal cord injury, a Michigan man was released from the hospital which helped him recover on his own.

Andy Hoffman, 47, said he hit a pothole in the ground while riding his motorcycle on September 4.

“It wasn’t marked and it was badly packed and my bike veered hard right then left,” Hoffman said. “I rolled it around a bit, but I couldn’t hold onto it and it fell and knocked me over and I got stuck under my bike.

“I woke up, it knocked me out when I hit the ground. And I woke up and I was a little under my front tire, and I thought I was going to be able to move and I realized at that moment, I couldn’t move a finger, I couldn’t move anything, I couldn’t feel anything at all.

Passing out and losing consciousness, Hoffman was then airlifted to Traverse City where he underwent life-saving surgery.

“He was pretty much paralyzed and couldn’t even hold a cup, press a nurse call button,” said Lisa, Hoffman’s wife. “He couldn’t do anything for himself.”

A week later, Hoffman was transferred to Mary Free Bed Rehabilitation Hospital for physical therapy. In three weeks, something started to change.

“One Sunday night, Lisa and I were laying here,” Hoffman explained. “We were watching football and I looked at her and said, ‘I think I’m touching my face. I do not know what happened. But I put my hand up and I could touch my face and I started crying.

Eventually, Hoffman became able to do more.

“He was able to stand up and he’s walking now,” said Jenny Ponstein, nurse at Mary Free Bed Rehabilitation Hospital. “He is able to feed himself. Use those arms more, he gets a lot stronger. The pain was brought under control. So we really saw a quick turnaround with him.

Hoffman was cheered on as he was discharged from the hospital on Friday. He thanked the hospital staff, his wife, family and friends.

“All the words of encouragement they gave me, different things they did. It was something that really meant a lot to me,” he said.

Although riding his motorcycle has been therapeutic for him, he will hang up his helmet. He plans to return to the scene of the accident on Sunday.

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Wiseman charged with stabbing death at age 12; Walker faces murder and firearms charges

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October 14 – PRINCETON – A McDowell County man has been charged in the 12-year-old stabbing death of his former sister-in-law, with whom he had a relationship, according to court documents.

Michael Wiseman, 56, of Welch, is charged with the first degree murder of Crystal Cantrell, 36, whose body was found August 10, 2010 in the Bluestone River near Gardner Road in the Spanishburg area.

According to a criminal complaint filed by retired Corporal AS Reed, formerly of the West Virginia State Police Princeton Detachment, Wiseman had a relationship with Cantrell and witnessed numerous individuals stalking and harassing her. .

“The victim had told friends that she was breaking up with the defendant on the date of the murder,” Reed’s complaint said, and Wiseman and Cantrell were seen arguing along Gardner Road.

Witnesses said they saw Cantrell attempt to pull away from Wiseman as he tried to “cog her back,” according to the criminal complaint. They also said they saw Wiseman throw an unknown object over the railing, which was believed to be the victim’s keys.

“The victim’s husband called the victim’s phone on that date and the defendant answered his phone and said, ‘She’s with me now’ and hung up the phone,” the criminal complaint states. “Her husband said he could hear the victim in the background screaming for the defendant to return his phone.”

Wiseman left the scene of the homicide and returned to McDowell County, according to the complaint. “The defendant then fled the state to Ohio and Indiana. The defendant also abandoned his Harley-Davidson motorcycle at their meeting point. The defendant did not return to his full-time job without ever contacting his employer or his colleagues.”

Cantrell’s body was discovered several days later.

At a preliminary hearing, Reed was asked about Cantrell’s cause of death. He said she had two cuts to her throat and a stab wound to her chest, and the cause of death was a stab wound.

“The defendant was then questioned in Ohio where he admitted to being the last to see the victim alive,” according to Reed’s complaint, and Wiseman admitted to fighting with Cantrell and smashing his cell phone.

“Defendant denied killing the victim, stating that he drove away almost to the I-77 interchange where he took a ride with an unknown person in an unknown make, color or style of vehicle. “, states the complaint.

Witnesses called in the preliminary hearing, including members of Cantrell’s family, said Wiseman was “very controlling,” frequently stalked Cantrell, and “wouldn’t accept her breaking up with him,” Reed said. . Wiseman also called Cantrell “numerous times” until his death, and never called back afterwards.

Reed said witnesses also told her how Wiseman chased Cantrell down Route 52 on his motorcycle and got in front of her vehicle to slow her down. Witnesses said that at one point he pulled her from her vehicle, “choked her and called her a bunch of names” and allegedly threw her keys to stop her from leaving.

In a previous interview, Reed said additional information had been gathered since the early days of the case.

“The original material was resubmitted to the West Virginia State Police crime lab for retesting,” he said, noting that “the testing procedures and handling of the DNA have improved over the years.”

—- In a separate and unrelated case, Steven A. Walker, 32, of Bluefield, was indicted by the grand jury for first-degree murder and unlawful possession of a firearm by a prohibited person.

Walker is charged with the Memorial Day murder of Tony Greene, 45, also of Bluefield.

Greene was shot in the chest on the night of May 30 near the intersection of Pulaski Street and Peck Street in Bluefield, according to previous reports. Walker then left the scene.

Bluefield Police Department patrolman RL Hamm was dispatched to the area to respond to a report of a man lying on the sidewalk with an apparent gunshot wound, according to the criminal complaint in the case.

Greene had “an apparent single gunshot wound with an entry wound in the left pectoral region and an exit wound in the upper back. He was found lying on his back with his head facing east,” according to The report. Thirteen 9mm casings were found on the road outside a house on Peck Street.

While waiting for EMS and firefighters to arrive, Patrolman Hamm asked Greene who shot him, and he replied “Steven,” according to the criminal complaint.

In a previous interview, Bluefield Police Chief Dennis Dillow said Walker had previously encountered Greene, who had tried to take her child to her yard and threatened the mother’s life.

— Contact Samantha Perry at [email protected]

— Contact Samantha Perry at [email protected]

Student loans, stimulus updates, gas prices…

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Hello everyone and welcome to another daily MARCA in English American financial news blogwhere we’ll bring you updates on all the financial news and benefit plans from around the world United States this Thursday October 13.

Towards the end of the week there are many new payments and benefit plans to follow, and we will have all the information you need.

A number of states still distribute stimulus checksotherwise known as direct paymentsand we will also focus on student loans as well.

In this space we will also explain how you can to save money on things like tax payments, gas price and more.

So follow us this Thursday, with all the updates below and the most recent being those closest to the top.

U.S. Finance Updates, Thursday, October 13: The latest money-saving tips and benefits news

So this is our MARCA Financial news blog in Englishwhere we bring you daily information about benefit programs worth knowing in the US, detailing what they are called and who is eligible.

As mentioned above, this still includes, for now, stimulus checksthat still exist in some states, depending on where you live and your state government’s current policies.

There is also more general money saving tips deserves to be known, especially in this period of very high inflation.

Gas prices remain very high, especially in some states, and that’s why you have to keep in mind that it is possible to pay a little less at the pump if you shop around a little. We will therefore provide you with a list of cheap gas stations in major cities in the United States of America.

There really is a lot to discuss today, as there is every day, so follow this America’s Thursday financial news blog.

Here’s how President Reagan helped save Harley-Davidson

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It’s hard to think of an American president who didn’t turn to protectionism and trade barriers when he wanted to energize a dormant industry or protect a failing industry. Unfortunately, President Thomas Jefferson’s Embargo Act of 1807 failed to achieve its goal, and future presidents continued the trend by imposing their own tariffs.


In 2000, President Clinton imposed punitive tariffs on steel imports. George W. Bush and Donald Trump also followed this same practice. Meanwhile, President Biden has maintained Trump’s China tariffs despite inflation and soaring prices.

While many presidents have argued for greater trade protectionism under the influence of big business, few recognize that they have primarily passed the costs on to consumers. Moreover, instead of making struggling local industries more competitive by encouraging them to prioritize investment in research and development, automation and cutting-edge technologies, it makes them less efficient because they depend on the help of the government.

“Most economists believe that tariffs hinder trade and economic growth while raising prices for consumers in the countries that apply the tariffs,” says Investopedia. “That’s why their use has dropped dramatically since World War II. The average level of tariffs on industrial goods has fallen from around 40% at the end of the war to around 2% today.

To further highlight the disastrous effects of tariffs on consumers, Investopedia presents research by the University of Chicago and the US Federal Reserve, which found that while washing machine tariffs brought in $82 million a year to the US Treasury, the cost to US consumers was 1, $5 billion a year.

In 1964, President Lyndon B. Johnson created the Chicken Tax which imposed a 25% tariff on light trucks. It should be noted that this rate is still in effect. But light trucks weren’t the only ones protected by Washington, and in fact President Ronald Reagan ordered tariffs on heavy Japanese motorcycles in 1983 to protect the Harley-Davidson Motor Co.

“In the first year of a five-year program, rates have gone up from 4.4% to 49.4% on all large on-road motorcycles,” says Milwaukee Journal Sentinel. “The duties were then reduced in successive years to 39.4%, 24.4%, 19.4% and 14.4%.”

Related: A Detailed Look At The Rivalry Between Harley-Davidson And Indian Motorcycle


Here’s why the Reagan administration had to save Harley-Davidson

Hagerty says that in the early 1980s, due to “self-inflicted problems, namely stagnant engineering and slippery quality”, Harley-Davidson was struggling to keep up with Japanese motorcycles, such as Kawasaki, Suzuki, Yamaha and Honda. The legendary motorcycle manufacturer asked for help from the government and to be fair Harley needed all the help they could get as the company lost money in 1981 and 1982 and had to lay off 1,600 employees, i.e. 40% of its total workforce.

In the end, Reagan followed the recommendations of the United States International Trade Commission and imposed tariffs on imported motorcycles with engines over 700cc.

“We’re thrilled,” CEO Vaughn Beals said at the time. “It will give us the time we might not otherwise have had to make manufacturing improvements and release new products.”

Obviously, this decision infuriated Japan, but instead of rebelling against this unfair decision, some foreign motorcycle manufacturers came up with innovative solutions to avoid the tariffs. As a result, Honda and Kawasaki moved some of their motorcycle production to their US facilities. Japanese manufacturers, according to Hagertyalthough unaffected by tariffs, had to change their production model to meet demand.

Related: Check Out This 1976 Harley-Davidson Sportster Transformed Into A Retro Chic Bobber

The historic return of Harley-Davidson

Although many people associate President Reagan’s trade restrictions with the resurgence of Harley-Davidson, the reality is far more nuanced. Indeed, tariffs helped Harley to some extent, but ultimately it was the company’s tenacity and ambitious restructuring plans that kept the venerable name alive. According to a 2009 report by Research Institute of Economy, Trade and Industry, Harley’s own efforts – not trade barriers – helped boost sales and save the motorcycle business. “This is primarily because consumers perceived Harley-Davidson and large Japanese motorcycles to be mismatched substitutes for each other,” the report said.

In 1987 Harley asked the Reagan administration to remove trade barriers. “We’re profitable again,” Beals said. “We are recapitalized. We are diverse. We no longer need help.

Unfortunately, Harley didn’t ask the government to eliminate tariffs as a show of kindness to Japanese brands, but rather to let investors know that the company was self-sufficient and didn’t need any additional help from the government. But they say what happens comes back because in June 2018, the European Union raised tariffs on Harley-Davidson motorcycles by 6% to 31%, forcing the bike company to consider moving manufacturing out of the United States. Clearly, this infuriated President Trump, who threatened the company with tax hikes. Eventually things settled down, but maybe Harley learned something from the experience.

Mahindra Classic Legends Lose Mojo Month After Month

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On a MoM basis, Classic Legends enrollment was down over 11% in September 2022

Mahindra & Mahindra is unquestionably the number one SUV brand in India, but when it comes to two-wheelers, the OEM seems to have struggled to crack the Indian market code as the sales of Classic Legends motorcycles/bicycles to end consumers have decreased month-on-month (MoM) since March 2022.

Jawa & Yezdi’s retail sales were 4,265 units in March 2022, while they recorded sales of 2,860 two-wheelers in September 2022, representing a drop of more than 32% from March to September. On a month-to-month basis, Classic Legends sign-ups were down over 11% in September 2022.

Royal Enfield (RE) is one of the reasons for Classic Legends’ declining performance in the end-consumer market, noted Subhabrata Sengupta, executive director of Avalon Consulting. RE launched its most affordable Hunter 350cc bike in August 2022; it sold 56,085 bikes in September compared to 50,108 units in August 2022.

Peer reviews as a differentiator

Sengupta believes that RE’s strong performance in the Indian market and Classic Legends’ current performance is largely a result of what existing customers of both brands are talking about the bikes. ‘RE sells well because its products are recommended by RE bike owners among their peers. That may not be the case with the Jawa and Yezdi bikes,” he said.

RE led by Siddhartha Lal is also known for its marketing and public relations prowess in the two-wheeler industry in India. He organizes frequent Leh-Ladakh treks, and more with RE clubs and simultaneously engages in various community building exercises with groups of riders from India and outside.

Infographics
Monthly registrations for Classic Legends motorcycles

“The way RE executes the plans is excellent. Classic Legends has faced consumer issues since relaunching the brand in India. Both the Jawa and Yezdi bikes had a very strong fan following when they arrived for launch, but Classic Legends failed to scale when needed. There were long waiting times, which hurt brands,” Sengupta said.

A total of 14,523 Jawa and Yezdi bikes were registered in CY2019, followed by 26,512 in 2020 and 26,832 in 2021. Classic Legends, in 2022 so far, has registered 30,729 units, surpassing its past performance of CY. However, at the same time, its MoM performance in 2022, compared to 2021, has declined.

Price warfare at its finest

The retro-styled look with a refined engine became Jawa’s strongest feature when the brand was initially relaunched in India. These prices ensured that the Jawa motorcycles were positioned within the range of the RE Standard 350 and RE Classic 350.

However, the recently launched retro-styled RE Hunter has spiced up the price war as the base variant of it is available at INR 149,000 ex-showroom. Additionally, TVS Motors launching its retro-styled Ronin at a starting price of 149,000 also seems to have affected the sales of Jawa and Yezdi Motorcycles.

“Also, consumer feedback on the Classic Legends motorcycles hasn’t been good,” Sengupta said.

The OEM had initially lost many reservations due to the problems of not being able to meet market demands. Sengupta thinks Jawa was able to create a lot of hype but couldn’t deliver nearly the same.

“However, the Jawa products and brand have a connection with the public. They probably need to educate the public, especially millennials, about the same. Jawa will have to execute their plans very well,” he added.

Read also

Honda overtakes Hero MotoCorp in 2W registrations in September 2022

Will scooter sales overtake motorbike sales in India?

Saugerties PD is looking for a car involved in a motorcycle accident

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SAUGERTIES, NY (NEWS10) – Police report that on Oct. 11, Matthew S. Altenau was riding a motorcycle north on State Route 32 in Saugerties, followed by Fredrick J. Willaims. Officers report the two motorcyclists crashed as they approached Old Kings Highway.

According to police, as the two motorcyclists approached the Old Kings Highway, a car began to enter State Route 32 from the Old Kings Highway directly into the path of the two motorcycles. Police reported that Altenau applied the brakes causing Williams to hit the rear of Altenau’s motorcycle, both drivers being thrown to the ground as the car left the scene. Police say Altenau was treated at the scene and then transported to Kingston Hospital with non-life-threatening injuries. Williams was transported to Albany Medical Center with multiple injuries after the accident.

The police are still investigating and trying to locate the car responsible for the accident. Altenau was charged with the misdemeanor aggravated driving without a second-degree motor vehicle license and the out-of-class driving violation. Police are asking for the assistance of anyone who may have witnessed the crash to call Saugerties Police at (845) 246-9800.

Harley’s boss sees LiveWire listing giving him an edge

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Ever since Tesla opened up a big lead in electric vehicles that sent its valuation into the stratosphere, auto executives have been seriously considering how best to navigate the combustion transition.

A popular idea: split their legacy and electric businesses, the thesis being that a separate EV entity could achieve a higher valuation and easier access to capital on favorable terms.

It was more in vogue, of course, before the current market winter set in. Ford came up with the idea for a spin-off and ended up executing an internal split. China’s Geely and Sweden’s Volvo formed electric vehicle maker Polestar and merged it with a blank check company. Renault is now planning to carve up the struggling French manufacturer in a bid to revive its fortunes.

A charger is plugged into a LiveWire electric <a class=motorcycle in a Harley-Davidson showroom.” style=”width:100%;display:inline-block”/>

Georges Frey/Bloomberg

A charger is plugged into a LiveWire electric motorcycle in a Harley-Davidson showroom.

Harley-Davidson has also shifted gears. CEO Jochen Zeitz spun off LiveWire, the motorcycle maker‘s electrical division, and completed its merger with a SPAC last week. The swoon stock market left LiveWire Group with less profit than expected, but Zeitz was undeterred.

READ MORE:
* Harley-Davidson turns LiveWire into its own brand
* Which electric motorcycles can you actually buy in New Zealand?
* Triumph’s e-bike has passed its final phase of testing
* Suzuki is working on a range of electric two-wheelers

Zeitz, a marketing ace who took the helm of Harley in 2020, is also CEO of the newly public LiveWire. He stopped by Bloomberg headquarters in New York last week to discuss his strategy for the two companies. Here are the highlights of the conversation, which have been edited for length and clarity.

Q: What do you get out of splitting LiveWire as a separate company?

A: Brand separation provides strategic clarity that operationalizes from day one, in terms of how you think about electric versus combustion.

We hire. The first question is: “Are you serious about electricity?” I no longer have to answer this question. The high-flying engineer was asking, “Why should I join you? I can go to Rivian.”

Harley-Davidson CEO Jochen Zeitz came up with the idea for a separate electric vehicle brand 12 years ago.

Provided

Harley-Davidson CEO Jochen Zeitz came up with the idea for a separate electric vehicle brand 12 years ago.

What’s so unique about our model is that we’re a Rivian, but we’re not. Why? Because we can use the infrastructure, the manufacturing, the supply chain, all the know-how that Harley has built up over such a long time, without the baggage that comes with it, which you don’t want if you want to have a very quick start, agile and transformational.

It is the uniqueness of this model that the automobile does not quite have, and certainly no one in the motorcycle industry. I wanted to be the first. Thinking 10, 20, 30 years ahead is the right thing to do.

Q: Everyone is raving about you – except your dealers. What role do dealerships play for electric motorcycles?

A: [Laughs] I know they love me so much. Traditional commerce is still very retro, let’s put it that way. They don’t like change. I take it as a compliment.

The Harley-Davidson LiveWire gave its name to the new all-electric sub-brand of the American bicycle manufacturer.

Provided

The Harley-Davidson LiveWire gave its name to the new all-electric sub-brand of the American bicycle manufacturer.

I don’t have the same restrictions that traditional manufacturers would have. We talk to our resellers that we would like to take on the LiveWire journey, rather than everyone being able to become a LiveWire reseller. We don’t want that. He’s a different consumer. It is a new segment in terms of product that we are launching. It’s direct digital, dealership digital, and all those things you have to do to be competitive, while still providing service – not like Tesla, which struggles to have service.

Q: The issue of people growing and aging no longer riding bikes has plagued many Harley CEOs. Is LiveWire the answer?

A: LiveWire started as an idea 12 years ago when I joined the board. I said, Harley has to start electric. I don’t think in the short term. I think, where do we want to be, do we need to be, long term? I now had the opportunity to go further, faster, taking it as a separate brand and innovating in the electrical field without mixing things up too much.

Everyone will always say “The Harley Electric Motorcycle”, no matter what. It’s part of the DNA. It will always be there, so Harley will benefit from it and it rubs off on Harley for the better.

Zeitz wants LiveWire to eventually become the most sought-after brand of <a class=electric motorcycles in the world.” style=”width:100%;display:inline-block”/>

Provided

Zeitz wants LiveWire to eventually become the most sought-after brand of electric motorcycles in the world.

If I can accomplish that without creating confusion, which I think we created based on how we launched the first model, I think the clarity will ultimately help Harley-Davidson in its purpose and in its transformation to the electric, long term.

The question on the consumer – you don’t change that overnight. But the story of aging customers and da-da, da-da – every brand has to constantly engage and create desirability with consumers, whether you’re Nike, Harley or Gucci. It’s always the next generation, you can never stop. Our job is to make sure the next generation aging in Harley is ready, and we talk to them when they’re ready.

Q: What about other products, such as clothing? Is this part of your growth plan?

A: I believe the brand has so many more opportunities beyond just being a brand for a motorcycle customer. It’s still the core. Maintaining this authenticity is essential. But the aesthetics and appeal of the other products you sell should be the same as the motorcycle. I don’t think we’ve ever credibly leveraged that, licensing being one example.

Cushing Fair and Motor Show

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(Cushing, Okla) – Load up your family and friends and come to the Cushing Fly In Fair at Cushing Municipal Airport, October 7 – 9, 2022! Admission is only $10 per car load! Friday & Saturday, 9 a.m. – 5 p.m., Sunday, 10 a.m. – 3 p.m.

So much to see and do! Warbirds! Helicopters! A vintage WWII C45 Expeditor will provide rides – $100 pp for passenger area / $200 for front seat! Re-enactors! Arts! Arts and crafts! Antiques! Military vehicles! Collectibles! Weapon show! Pin-Up Contest! Street trucks and more!

To register, call Charles: 1-817-929-1816 or email: [email protected] or message on Facebook

Saturday, October 8 – 10 a.m. to 2 p.m. – there will be the 2nd Annual Motor Show. Registration begins at 8 a.m. – Registration fee: $25 Early bird discount: $20 – call or text to register at 918-720-8550 or 918-978-5721. Award Categories: 1st and 2nd in Class, People’s Choice and Best in Show. Classes: Antique (Pre 1949), Classic (1950 – 1970), Hot Rod/Street Rod, Muscle, Truck, Import, Motorcycle, Project (unfinished) New class for 2022: Condor Custom Boats. (All proceeds benefit the Drumright High School Baseball Team)

Motorcycle parts maker moves to Grand Junction from Colorado Springs | Western Colorado

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PROFILE: Folasade Ogunsola, the infection control expert who is UNILAG’s first female VC

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On October 7, 2022, history was written. Folasade Ogunsola, a professor of medical microbiology at the University of Lagos (UNILAG), has become the 60-year-old university’s first-ever female vice-chancellor.

Her journey to becoming the first woman to hold this position was filled with outstanding achievements, including playing a key role in the battle against Ebola in Nigeria in 2014.

From a turbulent and interesting childhood to an adult life in the sciences, the march to the seat of Vice-Chancellor has been an interesting mix.

GROWING UP IN IBADAN – AND THE UNFORGETTABLE PANCAKE INCIDENT

Born in 1958 in the family of the famous Akin Mabogunje, Nigeria’s first geography teacher and also a man of many firstshis childhood experiences, according to an interview with the Punch newspaperincluded dancing, dressing up in masquerades, taking part in plays, catching tadpoles and playing football – no surprise here, as the academic says it’s unlikely she’s completely outgrown her tomboyish nature of childhood.

“My childhood was beautiful and beautiful. I grew up at the University of Ibadan. My father was a lecturer. Our house was in a row with nine other houses and most of the children on that stretch went to the same school, so we were always driven to school in a Land Rover SUV,” she said.

“We all had bikes and we raced in the street. We formed clubs and had fun. We went on an adventure by going to the ponds to look for tadpoles. My childhood was like a movie. We were enrolled in the art theatre. Thus, on Saturday, we took part in plays by Wole Soyinka and exchanged views with university students. Honestly, I had a fun filled childhood.

“During the festive seasons, we would dress up as masquerades and go around houses. Then the parents gave us money. There was no such thing as abductions in our time, so we could be about ten children wearing masks, singing and dancing.

“I had a fantastic time although we got into trouble at times. I remember a time when we would go dancing in houses and they would give us money but I didn’t tell my mum. In fact, our parents didn’t know about our dancing activities, so when she found the money and asked me where I got it from, I lied to her. My mother whipped me very well that day and seized my money. Later when I told him the truth, I was beaten more because I had lied at first.

“This experience made me realize that it was better to tell the truth because we received more beatings for lying. Sometimes when we told the truth, my father spared us and warned us not to repeat the crime. The funny thing is that I’m still friends with all those kids who danced from house to house with me.

LEAVING IBADAN FOR OSUN — AND FALLING IN LOVE

As she says, contrary to her mother’s preference, she was admitted to study at the University of Ife, now Obafemi Awolowo University (OAU), Ile-Ife, Osun State. However, while one might have expected a boring, book-filled life, Ogunsola had a vibrant student life.

“We were in school most of the time we were there and we were very studious because our time was spent reading. However, that didn’t stop us from going for a picnic. We climbed mountains and Ife was a paradise for young people,” she said.

“It was our day when motorcycles were the rave, so we had the Harley Davidson boys, the Kawasaki boys, and we all went out on bikes but our parents didn’t know that.

“I’m not sure people had fun like us. We celebrated at the top of the mountain. The country was safe, so we could go to Ondo State for a party despite the bad roads and the next day we attended conferences.

And it was also in college that she met her husband, but it took about nine years before they got married — because, as she says, “we met pretty early in my studies. academics and I was also confronted with my medical career”.

UNEXPECTED INTEREST IN MICROBIOLOGY

Deciding to embrace microbiology was not a simple process, given its travels in medicine and surgery, obstetrics and gynecology, and psychiatry. As she described it, microbiology was not something she initially wanted to venture into.

“As a medical student, I hated this branch of medicine with a passion, but I got involved in it when I met people who were in the field. One of the things that turned me off from clinical microbiology was the fact that as medical students we were taught by non-medical people. As time passed, I learned to understand it and I’m glad I didn’t venture into another specialty,” she said.

A WOMAN OF PREMIERE

Prior to becoming UNILAG’s first Deputy Vice-Chancellor (Development Services), she was the first female rector of the institution’s Faculty of Medicine. Speaking about her achievements in the Punch interview, she expressed satisfaction with her administration during her time as provost.

“I decided to be myself while recognizing that each style had its own setbacks. I had written a vision and set out to do it,” she said.

“Looking back, what people often say about my tenure is that they feel I created a level playing field, but I’m sure my haters wouldn’t say that.

“They say I improved the culture of research at the College of Medicine and that’s something I witnessed myself. I got a lot of alumni to give back to college.

“We also initiated the interdisciplinary research that took place between clinical schools, medical, dental and basic schools. We started to have more people working together and that continued after my tenure.

THE DEFENDER OF QUALITY RESEARCH WHO FIGHTED EBOLA

When Nigeria was in the grip of what could have been a major Ebola outbreak in 2014, Ogunsola was involved in providing infection control expertise to steer the country down this path – and in three monthsNigeria were free at home.

Speaking on the fight against the Ebola pandemic in an interview in Zimbabwe in March 2015, she cited how Nigeria has benefited from a strong coordinated response and committed healthcare expertise.

“What struck me about the outbreak in Nigeria is that it was truly an epidemic of fear. More people died of fear, both in the community and among the workers of Our strategy was to quickly expand what we had on the ground – a strategy we had used for polio and Guinea worm eradication, which used the incident management structure,” he said. she declared.

“It required us to have a strong central coordination center and engage the community early on, use the media effectively and send short, easily understood messages.

“The other thing was that the treatment only took place in treatment centers – not in one of the big hospitals. Everyone had to refer to the treatment center, so that everything was concentrated in the hands of experts.

“PREPARATION IS BASED ON WORKING SYSTEMS”

An advocate for quality research as part of efforts to build sustainable health systems to prepare Nigeria for the next pandemic, Ogunsola wants a Nigeria where the response to public health emergencies is proactive rather than reactive.

“Fundamentally, preparedness relies on a system that works – and that system is broken,” she said during a policy dialogue session organized by The Conversation Africa.

“So if we really want to prepare for the next pandemic, or if we want to gain trust, we have to build the systems and make sure they are strong. We need good health systems, we need good education systems.

His articles on Nigeria’s response to public health emergencies reflect the hope of a country struggling with challenges. However, as she wrote about the Ebola pandemicclaiming that “Nigeria has proven the experts wrong”, becoming the first female vice-chancellor of a 60-year-old university is a major statement to pave the way for gender inclusion.

For a country that currently has more than 200 universities, but with only 11 vice-chancellors Since October 2021, Ogunsola has turned a refreshing page in Nigerian history that will be long remembered.

How to Get a $40,000 Personal Loan

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There are many reasons to get a $40,000 personal loan, from refinancing credit card debt to paying for your wedding. And there are a variety of lenders who will lend you the money you need. Researching different types of lenders and researching loans will help you find the best rates.

However, getting a loan is not the only way to pay big expenses. If you can find another way to finance your big expenses, you’ll save money in the long run. Whatever you decide to do, make a plan and understand the long-term cost of a loan of this size before making a final decision.

How to determine if you need a $40,000 loan

Taking out a loan of this size can dramatically affect your finances, and $40,000 is a significant sum to borrow. Whether you need funds for your wedding or need to pay for college, it’s a good idea to understand the long-term responsibilities of taking out a loan of any size.

If you can find funds for your needs in another way, it’s usually best to avoid paying interest on a loan. Also, if you can wait until you can save $40,000, that’s a good idea too.

There are cases where taking out a personal loan can be useful. Here are a few ways a loan like this can be good:

  • Regular, on-time payments can boost your credit score. If you want to boost your credit score, you can make reliable monthly payments on your loan.
  • Investing in certain things means a higher payout in the future. Doing home renovations or going to college costs a significant amount of money upfront, but they can generate more money in the future with a better paying job or more home equity.
  • You need to live your life. If you need a car to get to or from work, you might just need to take out a car loan. Just make sure you don’t pay more for the vehicle than you can afford.

If you decide to take out a personal loan, make sure you know how much you will owe each month and have a plan for paying it back. It can be dangerous to take out a loan if you don’t have the income to pay the monthly payments.

Conditions to benefit from a personal loan

Not everyone is eligible to apply for a personal loan. There are certain requirements you must meet to qualify. Banks and other lenders generally use certain factors to determine if you are a good candidate for a personal loan.

First, you must have good credit. Your credit score indicates how well you have made payments in the past. Lenders often require at least fair credit (580-669), and having good credit (670 and above) will help you get the best rates and terms on a loan. However, every lender is different. For example, Happy Money requires a credit score of at least 640 to grant you a loan.

The other main factor a lender considers when applying for a loan is your debt-to-income ratio (DTI). It’s exactly what it sounds like – your DTI is your total monthly debt divided by your total monthly income. Generally, the lower your DTI, the better. A DTI of 36% or less is the standard that lenders generally require for loans.

Lenders will also require you to provide documentation to verify any information you give them. When you apply, expect to provide pay stubs, address verification documents, and proof of identity. Additionally, each lender has different requirements, so there may be additional factors to consider when applying for a personal loan.

Personal lenders who offer loans of $40,000

When shopping for a personal loan, it’s important to talk to different lenders. And you should talk to lenders of different types. Credit unions, local banks, online lenders, and peer-to-peer lenders offer a variety of options. Exploring loans from multiple lenders will help you find the best deal.

Here are some main options to consider:

APR range Loan amount range Minimum credit score requirement
Prosper 7.99-35.99% $2,000 to $50,000 560
LightStream 5.73% $5,000 to $100,000 Not disclosed
happy money 5.9-24.99% $5,000 to $40,000 640
SoFi 7.99-23.43% $5,000 to $100,000 Not disclosed

Prosper

As a peer-to-peer lender, Prosper works a little differently than other lenders. The funds come from “peers” or other people and they decide if they want to lend you money.

The application process, however, remains similar to that of traditional online lenders. You complete an application online and often get funds within one business day, if you qualify. And, you can fill out a quick form on their website to find out your personal loan rates without impacting your credit score.

LightStream

Want to get the best rate as a reward for your good financial habits? LightStream aims to do just that by calculating better rates for those with a healthy credit history and liquid assets that demonstrate an ability to save.

LightStream is also offering a 0.50% rate reduction to loan holders who use autopay to make their monthly payments. And you can easily monitor your loan and payment progress by downloading their app.

happy money

happy money has options for several types of personal loans. Their goal is to help customers use money as a tool for happiness. One of their loan options, The Payoff Loan, is specially designed to help you pay off your credit card debt in an easy way.

Like many other lenders, Happy Money lets you check your rates for free by answering a few questions on their website. This rate check will also not affect your credit score.

SoFi

Are you a US citizen looking to refinance your student debt? SoFi could be the right lender for you. Focused on helping college graduates pay off their debt faster. SoFi makes it easy to apply for a personal loan.

They also have personal loans to help pay for home renovations, credit card debt consolidation, family planning, travel, and weddings. Whatever type of personal loan you need, you can check your rate on their website.

Costs of a $40,000 long-term personal loan

When you take out a personal loan, you not only have to repay the borrowed amount to the lender, but also pay interest on the loan amount you have left to pay. Interest rates vary widely and can be influenced by your credit score and the type of loan you obtain. You will be responsible for repaying everything by making a specified monthly payment to your lender.

Here is an example of how much interest you may have to pay. Let’s say you take out a $40,000 loan with a term of three years and an annual percentage rate (APR) of four percent. You would have to pay a monthly payment of $1,180.96 and you would pay a total of $2,514.54 in interest over the life of the loan.

It’s important to understand the total amount your loan will cost you over time and how much monthly payments you’ll need to make. Using a loan calculator when shopping for loans can help you get an idea of ​​how much different types of loans cost.

At the end of the line

You have many options when looking for a personal loan. However, it is important that you understand the requirements and costs of a $40,000 loan. Take the time to explore the different lenders and calculate the total interest cost for any loan you are considering.

If you can save money or find another way to finance your expenses, you can avoid having to pay interest on a large loan. Whatever you do, don’t make quick decisions. Know how much you will be responsible for monthly with a loan and make a plan to stay on top of your payments.

Kawasaki presents the ‘Z e-bike’ at Intermot

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For the first time since the pandemic, the Intermot motorcycle show took off in Germany and Kawasaki was quick to show what the future motorcycle the brand would offer could be.

First seen in action at the Suzuka 8 Hours of Endurance, the EV model was part of a high-profile speech by Kawasaki Motors Europe Managing Director Masaya Tsuruno.

Reflecting on Kawasaki Motors President Hiroshi Ito’s commitment to show at least three electric vehicles globally by 2022, Tsuruno pointed out that the prototype – which was only on display for the duration of the conference press – would form the basis of a real future production machine.

While underscoring Kawasaki’s continued commitment to internal combustion engines, Tsuruno added that electric fuels and biofuels were among the options being considered in addition to high-profile research into hydrogen as a possible carbon-neutral choice.

Around this time last year, Kawasaki announced that by 2035 all of its motorcycle offerings will be either electric or powered by some form of carbon-neutral fuel.

Although details of this new “e-bike” have not been disclosed by Kawasaki, the bike bears some resemblance to the Z250 and estimates put the electric motor output somewhere around 17 PS, which equates to roughly to a 125cc motorcycle.

Kawasaki is now part of the SBMC

One of the solutions to deal with the long charging time of electric vehicles is to have a unified system where batteries can be swapped between all makes and brands. Because of this, the Swappable Batteries Motorcycle Consortium (SBMC) was born, and from just 4 companies it has now grown to 21, including Kawasaki.

That said, these e-bikes from Kawasaki can use a system compatible with the parameters set by the SBMC.


Police investigate fatal motorcycle accident | Greene County

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CATSKILL — State Police are continuing their investigation into a fatal collision between an SUV and a motorcycle in Catskill.

The crash happened around 4 p.m. Friday on State Highway 32, according to state police.

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National Labor Shortage Impacting Motorsports in Rochester Area

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ROCHESTER, NY – The ongoing nationwide labor shortage is affecting all aspects of business, even the world of motorsports.

Riders are feeling the impact as parts supply struggles to keep up with demand.

“Bikes are out of stock, oil and stuff like that is out of stock as well,” said James McDaniel, general manager of Roc On Harley Davidson. the road again.

McDaniel’s customers want to know what the delay is.

“We ask all of our OEMs these same questions and they say it’s the materials and obviously what’s driving that is the labor to get the materials through the processing plants and everything. “McDaniel said.

Dirt Bikes For Sale At Roc On Harley Davidson

But as owners of registered vehicles see a shortage of dirt bike parts, the car pound is flooded with illegally driven vehicles that have been recovered by law enforcement. Seized bikes are full of parts waiting to be used.

“These are all dirt bikes and ATVs that the Rochester Police Department has confiscated at some point in the last year,” said Lt. Greg Bello of the Rochester Police Department. “If you look around me you’ll notice none of them have license plates, none of them are registered, none of them have inspection stickers , things like that that make them safe to run on city streets.”

There are currently a total of 96 off-road vehicles detained, most of them unregistered. Lt. Bello says many bikes end up being destroyed after being left unclaimed.

“Illegal ATV riding is a huge problem in Rochester,” Bello said. “So number one, they’re not rated for riding on city streets, right? They’re off-road vehicles, they’re not road vehicles. And then two, usually the riders associated with them ride dangerously.

This only compounds the problem of the lack of supply available to drivers of licensed vehicles.

“We get a lot of people who buy motorcycles that aren’t street legal and they get them out here wherever they live,” McDaniel said. “A lot of them are confiscated by the local police and they are destroyed for that reason. They try to send the message that you have to be safe and legal.

The issue leaves companies wondering what happens to the bikes once they are sold and if the cycle will end anytime soon.

“A lot of people just buy bikes, ride them, and then you see the same people come back a week or two or three weeks later and do the same thing,” McDaniel said. “So you kind of understand what’s going on but it’s an unpleasant process that we’re in right now.

This week’s student loan refinance rate: October 4, 2022

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Insider’s experts choose the best products and services to help you make informed decisions with your money (here’s how). In some cases, we receive a commission from our our partners, however, our opinions are our own. Terms apply to offers listed on this page.

Average interest rates on refinanced undergraduate student loans have fallen significantly since last week, according to Credible. Graduate loans are relatively stable.

Even though rates are down this week, they have risen significantly since last year and are expected to continue to rise. Federal student loan rates for 2022-23 will rise the most in nearly two decades. These new rates won’t have a direct impact on private student loan rates, but private rates could go up because they don’t have to stay so low to be on par with federal loan rates.

Variable 5-Year Student Loan Refinance Rates

Undergraduate rates saw a major reversal this week, dropping to 3.80%, about half of what they were last week.

Graduate loan rates fell 28 basis points last week and now sit at 2.75%.

Fixed 10-Year Student Loan Refinance Rates

Rates on 10-year undergraduate fixed loans fell to 5.82%, down from last week’s high over the past year.

Graduation rates are largely stable, changing only four basis points.

Student loan interest rates by credit score

Your interest rate will often improve with a better credit score – we show this in the table below. We give you the 10-year fixed student loan rates by credit score:

Frequently Asked Questions

If you refinance your federal student loans, you will not be eligible for a rebate. President Joe Biden said in August the government would forgive up to $10,000 in student debt for borrowers earning less than $125,000 a year and up to $20,000 for Pell Grant recipients. Married couples or heads of households who earn less than $250,000 will also be eligible for the rebate.

All types of federal loans will be eligible for forgiveness, but private student loans will not.

While refinancing federal student loans might seem like a good idea if you get a better interest rate, it disqualifies you from loan forgiveness — on a large scale and through programs like public service loan forgiveness. .

Refinancing your student loans can earn you a lower rate. You can also switch from a fixed rate loan to a variable rate loan or change the term of your loan. Choosing a new term can allow you to spread the costs over an extended period for smaller monthly payments, although you’ll pay more total interest.

A five-year loan term could be a great choice if you want a better interest rate and are able to pay off your loan just as quickly. You’ll save money in interest and free up money to reach your other financial goals faster.

A 10-year loan term will cost you more overall, but you’ll make lower monthly payments. This can make it easier for you to repay your loan if your budget is tight.

Zontes 350 range launched in India, prices start at Rs. 3.15 million

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Moto Vault, a multi-brand motorcycle franchise, has announced the prices for the Zontes range of 350cc products for India, starting at Rs. 3.15 lakh for the base Zontes 350R and ranging up to Rs. 3.67 lakh (ex-showroom, India) for the 350T ADV. Zontes motorcycle prices include the Zontes 350R, Zontes 350X, Zontes GK350, Zontes 350T and Zontes 350T ADV. With the new Zontes 350 range, the company is targeting several 350cc segments in India such as Naked Sports, Sports, Cafe Racer, Tourer and Adventure Tourer.

350R areas

Zontes 350cc Motorcycle Range Prices (ex-showroom, India)

Colors 350R areas 350X areas GK350 areas 350T areas Zones 350T ADV
Blue Rs. 3.15 million N / A N / A N / A N / A
Black Rs. 3.25 million N / A N / A N / A N / A
White Rs. 3.25 million N / A N / A N / A N / A
Black gold N / A Rs. 3.35 million Rs. 3.47 million N / A N / A
Silver & Orange N / A Rs. 3.45 million N / A N / A N / A
green black N / A Rs. 3.45 million N / A N / A N / A
Black & Blue N / A N / A Rs. 3.37 million N / A N / A
White & Orange N / A N / A Rs. 3.47 million N / A N / A
Orange N / A N / A N / A Rs. 3.37 million Rs. 3.57 million
Champagne N / A N / A N / A Rs. 3.47 million Rs. 3.67 million

Vikas Jhabakh, MD, Adishwar Auto Ride India pvt. ltd said: “With a bold and eye-catching design, precision engineering and a host of cool and practical features, these bikes are sure to be loved by Indian 2-wheel enthusiasts. Each product is both stylish and designed to appeal to motorcycle enthusiasts. Since its announcement in India, we have been extremely overwhelmed with the acceptance these bikes have received from Indian Motorcyclist.

Zones 350T ADV

The Zontes 350 motorcycle range will feature a 348cc single-cylinder liquid-cooled engine integrated with the Bosch EFI system and a high-powered magneto developing 38hp at 9,500rpm and 32Nm of peak torque at 7,500rpm even with low fuel consumption. He claims that fuel economy, low emissions and high performance are hallmarks of this high compression ratio engine.

350X areas

The Zontes 350 range of motorcycles will feature a balanced suspension system and flexible handling to enhance ride comfort and ease of handling designed to suit Indian road conditions. The front is handled by a 43mm telescopic suspension, while the rear gets a Monoshock suspension. Lightweight aluminum alloy/spoke rims designed to be wide and hollow inside ensure good strength and toughness.

In terms of design elements, the motorcycles will come with an LED lighting system on the headlight, taillight, DRL and turn signals. It will also have a TFT color LCD screen, a full keyless control system, four driving modes, an LED lighting system and two fast-charging USB ports. These models also offer a host of safety features such as a tire pressure monitoring system and dual-channel ABS, among others. The TFT screen will also have four themed interfaces and will display a speedometer, navigation, Bluetooth music, call answering and malfunction notifications, among others.

GK350 areas

Moto Vault will sell Zontes products alongside Moto Morini and many other bike brands that will soon be included. Initially, the company will establish a network of 23 contact points across the country. The launch of the Zontes product line is significant for Adishwar Auto Ride India as it also marks the first product launch for Moto Vault. The motorcycles will be assembled in India at Adishwar Auto Ride India’s factory in Hyderabad, Telangana.

Indian sports news envelope, October 2

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MOTOR SPORTS

Jagruti Penkar and Sarvesh Balappa claim their first crowns at the 2022 Indian National Motorcycle Racing Championship

In a day of drama and suspense, veteran Rajini Krishnan, Mathana Kumar, Jagruti Penkar and Sarvesh Balappa clinched the titles in their respective classes in the fifth and final round of the MRF MMSC fmsci Indian National Motorcycle Racing Championship 2022 concluded at the Madras International Circuit here on Sunday.

Rajini (RACR Castrol Power1), needing just one more point for the title, moved up to fourth place to seal the championship, his 11 e National career crown, in the premier Pro-Stock 301-400cc Open class, while Mathana Kumar (Pacer Yamaha) of Trichy dominated the Pro-Stock 165cc Open class, also finishing fourth for her third title in 11 years.

Earlier, Jagruti (Axor Sparks Racing), the 21-year-old science graduate from Mumbai, kept guessing before confirmation came that she was indeed the winner of the Girls (Stock 165cc) championship, her first title, following to the disqualification of the winner of the race, Lani Zena Fernandez (RACR Castrol Power1). Jagruti finished with 81 points against 80 for Ann Jennifer (Alpha Racing).

Sarvesh Balappa (Axor Sparks Racing), who had taken an unassailable lead heading into the final round, kept it clean and avoided close battles for fourth place. His teammates Kayan Zubin Patel and Rohan Ramesh came first and second ahead of Chiranth Vishwanath (Rookies Racing).

Meanwhile, Rajini did the same in the last Open Pro-Stock 301-400cc race just following the Petronas TVS Racing trio of KY Ahamed, Jagan Kumar and Deepak Ravikumar. Along the way, Ahamed scored twice.

Jagan also had a brilliant outing in the Open Pro-Stock 165cc race which he won in style ahead of Rajiv Sethu and Senthil Kumar of Idemitsu Honda India SK69 Racing, for a big one-two finish.

Two youngsters, Chiranth Vishwanath (Bengaluru), competing in the Rookie category of the Petronas TVS One-Make Championship, and Raheesh Mudassar Khatri (Mumbai) in the Novice category (CBR 150) of the Idemitsu Honda India Talent Cup, created the buzz by winning all 10 races this season.

GOLF

Rashid loses play-offs and finishes 2nd as Ahlawat and Kapur finish in top 10

Indian golfer Rashid Khan gave it his all but failed on the second hole of the play-offs to finish second in the Mercuries Taiwan Masters as local favorite Chan Shih-chang took the title here on Sunday.

Chan, who was three behind with five holes to go, birdied superbly on the 18th and then continued his momentum on that hole with birdies in the first and second play-offs.

Rashid, who shared the 54-hole lead with Chan, seemed fine with five birdies in the first 13 holes to his playing partner’s two birdies in the first 13 holes. That gave Rashid a three-stroke lead with five holes to play.

As both parried the 14th, it was a three-stroke lead with four to go.

Chan birdied on the Par-5 15th while Rashid dropped a shot on the 17th. Then Chan birdied a stretched nine-footer on the 18th for a birdie as Rashid missed a six-footer that would have won him the title.

In the first play-off hole, Chan faced a 21-footer to extend the play-off and he did so as Rashid drilled a two-foot tap-in after a stunning second shot. In the second shoot-off, Rashid had a 20-footer for a birdie, which he missed while Chan drilled his nine-footer for the title.

Despite Rashid’s disappointment being unable to end his nine-year title drought, the Indians had a good day at the event.

Veer Ahlawat despite three bogeys on the final day scored 72 and was T-8, at 6 under. Shiv Kapur had a rollercoaster round with four birdies on the front nine and three bogeys on the back nine for a 71 and was T-10 at 5 under for the week.

SSP Chawrasia (70) and Aman Raj (73) also had a tougher time on the tougher back nine and were T-15 with 3-under totals.

Ajeetesh Sandhu encountered a double bogey at the back in his 74 and was T-21, while four players Honey Baisoya (73), Viraj Madappa (71), Khalin Joshi (73) and S Chikkarangappa (73) were all T -29 . Rahil Gangjee (73) was T-39 and M Dharma (74) was T-49 and Udayan Mane (75) was T-55.

Two-time Asian Tour winner Rashid was on the hunt for his first Asian Tour title in eight years, with his previous two successes coming in 2014, the SAIL-SBI Open in India, and the Chiangmai Golf Classic. , in Thailand.

He had a one shot lead on the turn and after a birdie at 10 and 13 he looked like a safe bet for the title as he had three leads.

Bangladesh’s Siddikur Rahman and Thailand’s Sarit Suwannarut are tied for third, six shots behind after both shot 71.

The Asian Tour will then head to the International Series Morocco from Royal Golf Dar Es Salam from November 3-6.

PTI

Grand Theft Auto Online Motorcycle Delivered to a Weird Location

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A GTA online The player ended up being annoyed and confused when he found out where his recently requested motorcycle was. Calling one of the player’s many vehicles to drop off near their location is a feature that every player uses, but it doesn’t always work as intended, like in this case.


This is far from the first time that players have had problems asking their mechanic to deliver a car. However, it should be noted that Rockstar Games improved this mechanic quite recently, as the GTA online The Criminal Enterprises update allowed mechanics to deliver vehicles faster.

GAMER VIDEO OF THE DAY

RELATED: Grand Theft Auto Online Player Reports Funny Issue With Boxes And Forklifts

Unfortunately, this player’s mechanic doesn’t seem to know what it’s doing. GTA Player and Reddit user Diamond_ultra_yt shared their experience with a gameplay clip, where they can be seen driving near the Los Santos River on a motorcycle. After making a sharp turn and plunging into the water, their bike quickly stops, so they called the GTA motorcycle club menu to request a replacement. A moment later, the player runs towards the delivery, but when the bike appears, it becomes clear that the mechanic has dropped it off in the middle of the river, immediately killing the vehicle.

Needless to say, this isn’t supposed to happen with the game. Typically, the demand for any type of ground vehicle leads the mechanic to deliver it nearby, but usually straight to a street or parking lot. However, the fact that they used the motorcycle club to summon their bike could be partly to blame. These types of vehicle deliveries are usually dropped off much closer to the player than the standard mechanic’s drops. Even so, it shouldn’t have happened in a body of water.

Although it was probably a nuisance for the player, thankfully replacing a totaled vehicle in GTA online is not a problem. Assuming the player insures their trips, vehicle replacements can be requested over the phone for a relatively low cost. However, it may be wise for anyone in or near a body of water to move a little further away before trying to call a bike, just to be on the safe side.

The mechanical delivery system has had minor bugs like this before, leading to issues like a GTA online car parked very far from the player. Although the feature is extremely convenient for every gamer, it may not always work properly, so gamers should use it with caution.

GTA online is now available for PC, PS4, PS5, Xbox One and Xbox Series X/S.

MORE: GTA Online: How to Complete Superyacht Life Missions

First homecoming of the 10th anniversary of the documentary ‘Hogslayer’ on Saturday

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A local theater will host the 10th anniversary premiere of the acclaimed movie “Hogslayer: The Unapproachable Legend” on Saturday night.






The event will pay tribute to locals TC Christenson, left, and John Gregory, the men behind legendary 1970s Norton twin-engine world drag racing champion. They took on the world of drag racing from Sunset Motors, a small shop of motorcycles in the city.


Photo submitted


The Independent documentary will be presented at the Rhode Center for the Arts, 514 56th St., at 8 p.m. Tickets are $10 each.

The film, which received warm reviews in racing circles, spotlights locals TC Christenson and John Gregory, the men behind legendary 1970s twin-engine world drag racing champion Norton. They took the world by storm drag racing with the crew of Sunset Motors, a small motorcycle shop here in town.

Christenson is one of the most famous and award-winning motorcycle dragsters in the world. Gregory built and designed the machines that helped fuel Christenson’s record-breaking performance.

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“It is my pleasure to re-release ‘Hogslayer’ for all of the loyal fans of this motorcycle racing legend around the world,” producer James Cutting said in a statement.







First homecoming of the 10th anniversary of the documentary 'Hogslayer' on Saturday


Photo submitted


The documentary has been updated with additional archival footage, including some from ABC’s “Wide World of Sports.”

“People who have seen it think this (version) is better, and I think it’s better too,” Gregory said. “They took out some (stuff) and put some new stuff in.”

Gregory said the first version received a very positive response from users who downloaded it from Amazon Prime. He expects this version to be available for download in the future as well.

“It’s about drag racing in the early 1970s when we won a lot, and there’s some good footage if you like motorcycles,” Gregory said. “We would race all over the world. … It was just beginning to become a professional deal in the 1970s.”

Gregory said people most often ask him why he nicknamed his bike “Hogslayer.” He said it’s because he beat the most popular Harley-Davidson drag bikes or the 1960s and 1970s.

Gregory, 88, said he “got used to” seeing himself in a movie and will be at the event early with Christenson to sign autographs and answer questions.

Hogslayer merchandise will also be available at the event and an after-party will follow the show.