bike helmet 8 year old image
David
I'm trying to choose between a couple years old honda civic coupe (approx $10k) and a couple year old motorcycle (not sure exactly which one yet, but planning on getting a reliable and affordable bike that is a couple years old).
I also will buy a quality helmet, jacket, boots, and gloves.
Is insurance more or less expensive? Also take into consideration gas savings, potential medical bills (hopefully not), etc.
Specifically, how much cheaper is it?
Answer
Motorcycles are considerably cheaper. The primary cost is much cheaper. You can get a nice, brand new bike for around $8,000 or a one or two year old bike for around $6,000.
Insurance varies widely depending on what coverage you're looking for. Liability, that's coverage to pay for things you hit, is generally very cheap with bikes. Collision and Comprehensive, the coverages that pay for the bike if you wreck or it's stolen, varies from person to person but as a general rule, you can get Collision, Comprehensive and liability coverage for under $300/year. That's pretty cheap. What you're not getting is any medical coverage for yourself if you get hurt. That's, for obvious reasons, very expensive coverage to buy on a motorcycle, expect about $100/mo just for that coverage.
Motorcycles usually get at least 50mpg, so good savings on gas. If you get decent safety gear you'll spend about a grand on that.
So, there's really only two reasons not to get one. First, and you nailed it here, motorcycles are EXTREMELY dangerous. What would ruin your day in a car, say a guy merges into you and scrapes your door, could kill you on a bike. Even if you're an extremely safe rider, who's to say the guy on that cross street is? Oops, didn't see that stop sign, there goes a leg, right?
Motorcycle bodily injury coverage, the expensive stuff I was talking about, usually only covers up to $10,000, and that's if you buy a lot of it. So that coverage could be used up with just one helicopter ride to the hospital. The rest would be on your own dime. A couple days in the hospital can easily cost over $100,000. So, if you're on a bike, you MUST have your own health insurance.
The other issue is, what do you do when it rains? "Sorry boss, can't come in until the rain stops . . . " If you live in Arizona, or maybe LA, you can get away with having a bike for your only vehicle, just about anywhere else, it's just stupid.
Motorcycles are considerably cheaper. The primary cost is much cheaper. You can get a nice, brand new bike for around $8,000 or a one or two year old bike for around $6,000.
Insurance varies widely depending on what coverage you're looking for. Liability, that's coverage to pay for things you hit, is generally very cheap with bikes. Collision and Comprehensive, the coverages that pay for the bike if you wreck or it's stolen, varies from person to person but as a general rule, you can get Collision, Comprehensive and liability coverage for under $300/year. That's pretty cheap. What you're not getting is any medical coverage for yourself if you get hurt. That's, for obvious reasons, very expensive coverage to buy on a motorcycle, expect about $100/mo just for that coverage.
Motorcycles usually get at least 50mpg, so good savings on gas. If you get decent safety gear you'll spend about a grand on that.
So, there's really only two reasons not to get one. First, and you nailed it here, motorcycles are EXTREMELY dangerous. What would ruin your day in a car, say a guy merges into you and scrapes your door, could kill you on a bike. Even if you're an extremely safe rider, who's to say the guy on that cross street is? Oops, didn't see that stop sign, there goes a leg, right?
Motorcycle bodily injury coverage, the expensive stuff I was talking about, usually only covers up to $10,000, and that's if you buy a lot of it. So that coverage could be used up with just one helicopter ride to the hospital. The rest would be on your own dime. A couple days in the hospital can easily cost over $100,000. So, if you're on a bike, you MUST have your own health insurance.
The other issue is, what do you do when it rains? "Sorry boss, can't come in until the rain stops . . . " If you live in Arizona, or maybe LA, you can get away with having a bike for your only vehicle, just about anywhere else, it's just stupid.
How can I keep a two-year-old and an eleven-year-old occupied at the same time when I babysit?
Stumped Si
I'm a Red Cross certified summer nanny. I usually babysit children younger than five, but this summer I will be taking care of two kids, ages 2 and 11. The two-year-old naps roughly 3-4 hours a day, but like any two-year-old, they are a handful. I want to keep the eleven-year-old entertained, but I'll need to keep an eye on the younger one. With it being so hot, and no access to a pool, I've got to keep these kids safe and happy and free from any feelings of "cabin fever." Any ideas?
Answer
Hey there!
I babysit 2, 4, 8 and 12 year old kids.
These are some games that the 2 year old can play with you and have fun, and the 11 year old can play and have fun too! If the 11 year old starts getting bored, say something like, "It's ok, you don't have to play, but if you want, you can go play a computer game or watch something good on TV." Something like this should work!
~Toy Chest Games: Hide 3 of the 2 year old's favorite toys in one room, then she/he will have to find them. The 11 year old will probably want to hide them, and the you can help the 2 year old look. Move on to different rooms, too!
~Beading: Get a bag of big beads and string and tell them that your gonna make necklaces with them. When theyre done making the necklaces, wrap them up and tell them to give it to their mom and dad when they come home, or they can make 2 (the 11 yr old might like this) and keep one for themselves!
~Popsicle stick Puppetts: Draw a few people, but like simple, fat, cartoons, not very detailed, and so she can color them. You can draw maybe a princess, a prince, a queen, a kind, a dragon, a fair, and maybe a witch, too (for the little one). The 11 year old will pobably want to draw her own. Shen, they'll color them all and you will cut them out, and tape them to popsicle sticks, and then you can make a puppet show! Then theyll probbaly want to make one for you, lol.
~Read the 2 year old some books while the 11 year old watches TV or plays on the computer or reads a book for her age group: That's always easy and fun!
~Daycare Game: If she has a little puppy stuffed animal or baby, you can play daycare, where you make a little bed, some food, toys, and just take care of the dog or baby. If it's a baby you can even make a diaper for it out of toilette paper. You can ask the 11 year old to be the big sister/brother .The 2 year old will like that.
Ride bikes: The 2 and 11 year old probably have bikes. Make sure they wear helmets and any other safety gear the parents want them to wear. Then, while you push the 2 year old on her tricycle, the 11 year odl will probably want to show off to you and she/he will go either really fast or will ask you to watch them. You can comment on the 11 year olds riding while saying things like, "Wow. That was really fast. I could never ride that fast when I was your age." It won't be kiddy or dumb, and the 11 year old will feel proud.
Clay fun: Wheather is play doh or sculpey, almost every kid loves clay. You can help the 2 year old make something, while the 11 year old will probably want to make something on their own. The 11 year old will take time on his/her work and will probably try and impress you, and when he/she shows you their creation. Say, "That's amazing! Where'd you learn to make something like that?"
People Portrait's: Roll out some big freezer paper or just some huge paper big enough to fit one child. Then, tell the kids to lie down, and trace their body with a black marker.
Then, tell them to color it in! You can help the 2 year old darw eyes, nose, a mouth, etc. The 11 year will probably color in the person themselves!
Good Luck!!!!!!!!!!!!!!!!!!
Hey there!
I babysit 2, 4, 8 and 12 year old kids.
These are some games that the 2 year old can play with you and have fun, and the 11 year old can play and have fun too! If the 11 year old starts getting bored, say something like, "It's ok, you don't have to play, but if you want, you can go play a computer game or watch something good on TV." Something like this should work!
~Toy Chest Games: Hide 3 of the 2 year old's favorite toys in one room, then she/he will have to find them. The 11 year old will probably want to hide them, and the you can help the 2 year old look. Move on to different rooms, too!
~Beading: Get a bag of big beads and string and tell them that your gonna make necklaces with them. When theyre done making the necklaces, wrap them up and tell them to give it to their mom and dad when they come home, or they can make 2 (the 11 yr old might like this) and keep one for themselves!
~Popsicle stick Puppetts: Draw a few people, but like simple, fat, cartoons, not very detailed, and so she can color them. You can draw maybe a princess, a prince, a queen, a kind, a dragon, a fair, and maybe a witch, too (for the little one). The 11 year old will pobably want to draw her own. Shen, they'll color them all and you will cut them out, and tape them to popsicle sticks, and then you can make a puppet show! Then theyll probbaly want to make one for you, lol.
~Read the 2 year old some books while the 11 year old watches TV or plays on the computer or reads a book for her age group: That's always easy and fun!
~Daycare Game: If she has a little puppy stuffed animal or baby, you can play daycare, where you make a little bed, some food, toys, and just take care of the dog or baby. If it's a baby you can even make a diaper for it out of toilette paper. You can ask the 11 year old to be the big sister/brother .The 2 year old will like that.
Ride bikes: The 2 and 11 year old probably have bikes. Make sure they wear helmets and any other safety gear the parents want them to wear. Then, while you push the 2 year old on her tricycle, the 11 year odl will probably want to show off to you and she/he will go either really fast or will ask you to watch them. You can comment on the 11 year olds riding while saying things like, "Wow. That was really fast. I could never ride that fast when I was your age." It won't be kiddy or dumb, and the 11 year old will feel proud.
Clay fun: Wheather is play doh or sculpey, almost every kid loves clay. You can help the 2 year old make something, while the 11 year old will probably want to make something on their own. The 11 year old will take time on his/her work and will probably try and impress you, and when he/she shows you their creation. Say, "That's amazing! Where'd you learn to make something like that?"
People Portrait's: Roll out some big freezer paper or just some huge paper big enough to fit one child. Then, tell the kids to lie down, and trace their body with a black marker.
Then, tell them to color it in! You can help the 2 year old darw eyes, nose, a mouth, etc. The 11 year will probably color in the person themselves!
Good Luck!!!!!!!!!!!!!!!!!!
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Title Post: How much cheaper to own is a motorcycle than a car?
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Rating: 100% based on 9998 ratings. 5 user reviews.
Author: Unknown
Thanks For Coming To My Blog
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