Money

Set Savings Goals

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One of the best ways to save money is by visualizing what you are saving for. If you need motivation, set saving targets along with a timeline to make it easier to save. Want to buy a house in three years with a 20 percent down payment? Now you have a target and know what you will need to save each month to achieve your goal. Use Regions savings calculators to make your goal!

Money

Pay Yourself First

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Set up an auto debit from your checking account to your savings account each payday. Whether it’s $50 every two weeks or $500, don’t cheat yourself out of a healthy long-term savings plan.

Money

Stop Smoking

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No, it’s certainly not easy to quit, but if you smoke a pack and a half every day, that amounts to nearly $3,000 a year you can realize in savings if you quit. According to the Centers for Disease Control, the percentage of Americans who smoke cigarettes is now below 20 percent for the first time since at least the mid-1960s — join the club!

Money

Take a “Staycation”

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Though the term may be trendy, the thought behind it is solid: instead of dropping several thousand on airline tickets overseas, look in your own backyard for fun vacations close to home. If you can’t drive the distance, look for cheap flights in your region.

Money

Spend to Save

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Let’s face it, utility costs seldom go down over time, so take charge now and weatherize your home. Call your utility company and ask for an energy audit or find a certified contractor who can give you a whole-home energy efficiency review. This will range from easy improvements like sealing windows and doors all the way to installing new insulation, siding or ENERGY STAR high-efficiency appliances and products. You could save thousands in utility costs over time.

Money

Utility Savings

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Lowering the thermostat on your water heater by 10°F can save you between 3-5 percent in energy costs. And installing an on-demand or tankless water heater can deliver up to 30 percent savings compared with a standard storage tank water heater.

Money

Pack Your Lunch

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An obvious money-saving tip is finding everyday savings. If buying lunch at work costs $7, but bringing lunch from home costs only $2, then over the course of a year, you can create a $1250 emergency fund or make a significant contribution to a college plan or retirement fund.

Money

Create an Interest-Bearing Account

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For most of us, keeping your savings separate from your checking account helps reduce the tendency to borrow from savings from time to time. If your goals are more long-term, consider products with higher yield rates like a Regions CD or Regions Money Market account for even better savings.

Money

Annualize Your Spending

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Do you pay $20 a week for snacks at the vending machine at your office? That’s $1,000 you’re removing from your budget for soda and snacks each year. Suddenly, that habit adds up to a substantial sum.

Marketing

How leather jackets can protect you while you ride your motorcycle?

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The leather jackets has become the symbol of motorcyclists. Some of the most common styles are leather jackets that were designed for like motorcycle riding, aviation and the police. Leather calm and pretty much any color you can think of but the first recorded use of the leather jacket was in aviation in the 1900s. Pilots would wear a jacket that has come to be known as the bomber jacket. The bomber jacket was adopted by aviators and other members of the military and prized for their comfort and durability as well as their ability to protect the fliers from extreme climate conditions found in high altitudes. To keep them warm they used the intact fleece of the sheepskin . While the outside of the jacket is the tanned hide of the cow. Beside the sheepskin to keep them warm, they used antelope, lambskin, buckskin.

  1. Use and Function

The leather jackets can be designed for many different uses and functions. But most of it they were designed to be functional, to protect users and sometime they even design leather jackets to instill fear and intimidation. Leather Racing Jackets is the perfect material to create these functional jackets because of leathers durability, pliability and toughness. But there is a big difference between the jackets that they make for protection and the ones that we buy to look cool.

  1. Protection

The racer motorcycle jackets are made from a heavier leather and actually have some type of armor sewn or built into the jacket. While the leggette motorcycle jackets are going to have a little bit of higher collar and a more substantial zipper. And the pockets are generally going to be waterproof and the back is  going to come down a little bit longer to protect your kidneys when you’re bent over racing.

Though many safety experts insist that wearing a motorcycle jacket can save your life in a crash, it’s difficult to find research pinpointing the effectiveness of jackets on their own. But while data on whether a motorcycle jacket will save your life may be inconclusive, there’s still plenty of evidence it can help protect you in a crash. While you are searching for a motorcycle jacket focus on the jacket’s material, built-in armor or accommodation for protective gear you add later, fit and color. A good motorcycle jacket increases the rider’s visibility to other vehicles on the road, which has been demonstrated to save life. Some jackets include built-in armor to protect vulnerable joints and bones, along with skin and muscle, while others are designed to work well with add-on pieces, such as elbow pads and spine protectors.

Despite a lack of hard data proves a motorcycle jacket alone can save lives, it’s clear that a high-quality, properly fitting motorcycle jacket is a crucial piece of safety gear. It can reduce the likelihood of an accident and reduce the severity of injuries sustained in a crash.

  1. Choosing a jacket

Many leather motorcycle jackets are designed as safety equipment for bikers. They are thicker and heavier than the other ones that are meant to protect the wearer from serious injury. They include heavy padding on the elbow, spine and shoulder regions.  The jackets are made of high quality leather which have good abrasion resistance and offer excellent protection from injury if you do get into an accident.

When you are choosing a motorcycle jacket, you should always consider the safety in the forefront of your mind. The leather is more dense than the textile weaves. When the leather is placed under mechanical strain it undergoes a process of load distribution by stretching slightly. This process protects the material from ripping easily. These jackets have less pockets where you can store your money or possessions. Also they need to be equipped with a special, waterproof membrane in order to be waterproof, otherwise the material can absorb moisture, making the leather jacket even heavier.

  1. Negative sides

But this has a negative effect on your comfort. Leather doesn’t  have any way to balance out heat from your body  or from the sun. The leather jackets are perfect from temperature between 55 and 75 degrees Fahrenheit. This can make them to avoid damaging the stability of the material, so it’s the best to avoid openings like velcro or zippers.

Any quality item of motorcycle gear made by a reputable manufacturer will be able to protect you from abrasion. Heavier materials and thicker and/or stronger leather will be more capable of providing protection throughout very high-speed crashes or across multiple offs. In textile garment, look for a named material such as Cordura. 500D Cordura will adequately protect you in a single crash. 1000D will last multiple crashes.

Apply a similar approach to waterproof membranes – off –brand materials might get you through a quick shower, but motherfucking Gore-Text will keep you dry through anything Mother Nature can throw at you. Also look for storm flaps and multiple front zippers and zippers made to tightly seal out water.

The padding that protects you from crashes is called “body armor”. You want it to cover as much of your body as  possible. Elbow armor in a cheap jacket, for instance, will just cover the point of that joint. Quality armor will extend down your forearm and wrap it around a more complete radius. It should go without saying, but the armor should locate accurately on your joints and be held to you tightly; loose-fitting clothing can allow the armor to shift out of position in a crash, leaving your joints exposed.