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The Common Types Of Bikes

There are different types of bikes, but not all are as relevant as each other. There are certain types that are sub-types of a particular type or aren’t really that important. For instance, a beach cruiser is a great weekend ride, but it’s pretty basic and doesn’t do sufficient miles to deserve a separate mention. Let’s take a look at the four most distinct types of bikes.

Mountain Bikes

The mountain bike first made a mark during the 1970s and hasn’t looked back since. Over a period, the bike has been equipped with homemade shock systems, more clearance, higher gear range, etc. Modern mountain bikes are made of highly engineered, high-quality materials. They have rear and front hydraulic shocks, excellent hydraulic disc brakes, etc. Not to mention, mountain bikes have subcategories of their own: fatbikes, 29+, downhill bikes, street trials, and enduro bikes.

Everyday Bikes

The everyday bike is your commuter bike that may not seem like a specialist bike, but it actually is one. Usually equipped with wider rims, these bikes have disc brakes that lend the bike increased stopping power and also fenders that keep debris and water away. Also, compared to other road bikes, the everyday bike is geometrically different.

Touring Bikes

The touring bike, unsurprisingly, is for people who like to travel on bikes. The bike has a geometry similar to a commuter bike but has a wider range of gears, mounts for different kinds of bottle cages and racks, and shifters with an indexed or friction mode. These bikes are also usually made of titanium or steel but you can see the odd bike made of aluminium.

Cross Bikes

A cross bike is the most versatile bike on this list. Cross racing isn’t that common but its popularity has been surging in the past few years. Professionals use these bikes to practice and also remain in shape. The bike’s tire clearance is wider compared to road bikes and it also has disc brakes. However, its geometry is similar to road bikes. Also, the bike is made from lightweight material such as aluminium and carbon, which fits its purpose well.

What Do You Need to Qualify for Equipment Finance?

Equipment finance is a unique loan type that’s ideal for businesses that need financial investment. In some cases it can be applied for on an individual (or personal) basis, but as the majority of lending agencies tailor their services to suit those within professional sectors, it’s no wonder why thousands of companies turn to these ideal solutions every year.

For those that wish to apply for funding from a lender, there are certain criteria that will need to be met. This criteria can vary from lender to lender, but in the majority of cases all terms and conditions will be fairly similar – although it is worth noting that particular specifications and details pertaining to an applicant’s eligibility may overrule any of the details listed below.

A consistent operation of business

For start-ups it won’t always be an option to apply for financing, as the majority of lenders will request that their applicants have at least 11 months of consistent earning. This doesn’t apply to personal earnings, but those specifically derived from a professional enterprise. In some cases an applicant’s credit history can be used to knock a few months off of the total, unless the credit score is that impressive that a lender is willing to overlook their policies and extend finance without any professional activities whatsoever.

A healthy credit score

All credit scores, regardless of their applicant’s nationality, will add up to a total of 800. As far as potential lenders are concerned, anything over 600 can be a viable amount. Those that come close to 600 (for example between 550 and 600) may find other options made available to them – or they may be required to pay a little upfront to act as a deposit. For those with scores of over 700, they shouldn’t have any difficulty obtaining a loan – and the closer to 800, the better their deals might be.

Annual income of a particular sum

This is where things can get a little tricky, as most lenders will require that their borrowers can demonstrate that they make at least a certain amount every year. In the majority of cases this will be roughly $120,000 AUD – but again (and we can’t stress this enough), the amount will be situational. Some people may want to borrow as little as $10,000 AUD and so they won’t typically need to demonstrate a higher level of earnings. The thing to remember is that the more you’d like to borrow, the more you will be expected to earn in order to assure your lender that you will be able to meet your repayments.

If in doubt, always get in touch with a reliable finance broker – one that could actually end up helping you to sign up to a much more affordable deal than you may have been able to gain when applying alone

Why Learn Self Defence?

In this day and age there’s nothing quite as important as looking after yourself – and with threats and risks being encountered more and more frequently, learning how to defend oneself can be a top priority. There are many different techniques that go into self defence, from close combat techniques right through to offensive alternatives that can stop an attacker in their tracks.

Why learn self defence?

It’s no secret that the world is becoming increasingly violent and ever more dangerous. Even the most pleasant of neighbourhoods can become the subject of tragedy and with these types of events on the rise, there’s never been a better time than right now to learn how to use your body as a weapon of defence.

What is self defence?

In the simplest terms, this term defines an ability to protect oneself from harm, danger and injury. Although it isn’t fool proof, the truth is that a practitioner will be several times more likely to walk away unscathed than an individual that has little to no experience in protecting themselves. It’s worth noting that it is illegal to go out of one’s way to cause harm to another – but that doesn’t mean that you can’t defend yourself from an attacker if the situation arises.

And that is what self defensive techniques are intended for.

Rather than training your body to take pain, it relies on a range of physical actions that can stop an attacker, cause them injury and allow you to protect yourself should the need arise. Many classes revolve around martial arts practices, while others may incorporate modern solutions instead – particularly those that utilise parts of the body such as the elbows and knees to cause immediate pain and trauma to an attacker.

There are countless stories about defensive techniques saving the lives of the practitioner, as well as others around them; from being able to incapacitate a rapist, right through to countering conflict whilst minimising risk to life. Just like first aid practitioners, those that know defensive techniques are in high demand within the security and personal protection fields – so it’s not just an ability that can benefit the user, but also lead them onto a career in protection if they so choose.