Latest Posts

Finally Moving out of the Dorms

I have been at college for a year now and they are finally going to let me leave the dorms. I have found a nice place not too far from the campus and right on the bus line, the thing I need right now is to find a room mate that I can count on. I have been trying to find a reasonably good internet service provider for a low price. Right no the best thing I can find for my budget is something from a place called Frontier Communications. I am looking on the internet and the gist of what I am hearing seems to be that you get what you are willing to pay for in this instance. They have all sorts of deals. (more…)

Healthy Skin with Natural Oils

home shop vitamins supplements supplements co enzyme coq10Mineral oil moisturizers, including CQ10, is definitely not recommended because they tend to clog our skin pores easily. By clogging our pores, it actually makes it hard for your skin to breathe and function properly. This can cause a buildup of toxins in your body. And one of the thing you want to avoid is this because high toxins are responsible for symptoms such as itchy hair follicles, acne outbreaks and severe skin irritations. To know whether the skin care products contain any mineral oils, just do a check on the labels. If it says “liquid paraffin”, “petrolatum” or “paraffin wax”, then it means that it contains mineral oils.

The good thing with these oils based moisturizers is that it is non greasy and does not clog your pores at all. (more…)

Salsa Cycles Video Contest-Final Update!

Do you want some awesome fatbike pictures? From Alaska? Then read on and vote!

Ok people, this is the final update before the end of the Salsa Cycles Video Contest on Sunday night. First off I want to give a huge thanks to everyone that has voted so far. In just under a week I’ve managed to get almost 200 additional votes! That’s amazing and very much appreciated. However, it’s not over yet, and while I’m in the lead as I type this, it has been neck and neck all week.

Why is this such a big deal? Well, for years I’ve dreamt of traveling to Alaska, and things just haven’t lined up for me so this is my chance. I think this can really happen. I want to spend time camping on the beach, riding my bike with friends, fighting mosquitos, eating cold food and avoiding being a bear’s dinner. Enjoying the outdoors is very important to me and Alaska is the place my dreams are made of.

So for the final time I’m asking, no, pleading, to please cast a vote for my video. If you already have, please share the link on your facebook page, or tweet about it. Do you have a blog? Post about it! Ask your friends, family, co-workers, strangers or whoever you can think of to vote for my video too. I can’t afford to leave any votes behind. Did you vote through facebook? You can vote again through twitter, and vice versa. Double your votes! I’m asking everyone I know, so don’t feel alone. I’m bugging EVERYONE!

The contest ends on Sunday at midnight and I’m hoping to generate enough votes in the final two days to carry me to the finish, but please know that every vote counts in this. Like I mentioned before, it’s been neck and neck between myself and one other person.

I really hope to be able to email everyone on Monday letting them know that I’ve won. Please help to get me there. Here’s the link.

Errin Vasquez


Mt. Lowe Recon

Bruce, Rod and I loaded up the bikes to ride up to the site of the Mt. Lowe Tavern. Neither one of them had been up there before, and both of them where trying out new bikes. Rod was on his new Salsa El Mariachi and Bruce was on his re-built Kogswell. I was on my trusty Mukluk of course. Bruce and I have talked about camping up there for sometime now and so he wanted to see what the ride up was like without carrying any gear. The bottom of the climb is really steep, so steep that when it levels out at 8% it feels flat.

Once at the dirt things got more fun and the Mukluk just rode over everything. The rain from the day before had moved a bunch of the rocks around but I didn’t have to worry about picking a line. I just pedaled. Once at Inspiration Point we broke out our stoves and enjoyed some tea and Girl Scout cookies. That’s right, I said it. Tea and Girl Scout cookies. We are pretty badass.

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Step-By-Step Guidelines To Take The Business Insurance

Business insurance is essential for the business owner. It is important to select the proper insurance company as well as think about the risk coverage and premium too. You must have to consult with your financial advisor or consultant while taking decision.

1. You must have to approach the business insurance companies through reference from your friends or relatives. Go through all the plans and tally the premium rates and the coverage from business insurance company. You must check the authenticity of the company before selecting the company. Only attractive plan doe not make any difference.

2. It is essential to discuss all the issues and define your mind set about which types of policy you want to take so that accordingly you can see the plans and take the decision.

3. You must take time to study the business insurance policy terms so that you must be clear about your goal and types of coverage you get from proposed premium. You must ask more than three insurance company takes the bids from brokers and agents.

4. If you have any doubt than you must have to discuss the terms with the agent or the company because the business insurance provides different clauses under pre-insurance condition.

5. You also need to ask for the discounts, there is many companies provide discount to the business peoples too.

The insurance is important part of any individuals or any business entrepreneurs. You can get protection by insurance. The present local as well global market condition will also affect on the performance of the small business. Looking to all aspects business insurance needs protection from all risk. You must take the details record of your insurance policies, premiums receipts.

Why Workers Compensation Coverage Is Must In Business Insurance?

The business security is necessary to secure the business owner. The business owner gets safety against different threats like protection against business property, business liability, workers’ compensation, maintenance of vehicles, safety against thefts, cash flaw management etc. To get the security from all types of threats business owners need protection. The business insurance is the basic requirement to protect from all types of threats. The business involves various risks like theft, fire, lawsuit and employee accident. It is better to get the coverage from all the threats through selection of proper insurance policy.

Looking all these aspects, the business security is necessary for the entrepreneurs. The business owners’ need security in different six areas such as business property, liability, and workers’ compensation coverage.

Workers’ compensation is compulsory is applied in all 50 states, it will get coverage like health check up and treatment costs and compensate against the wages due to not be able to perform the job. Workers’ comp insurance covers three types of coverage the first one cover medical bills and lost wages. The second covers the spouse or children of a worker who’s permanently disabled. The third one is employment liability, which covers sexual persecution, bias etc.

Workers’ Compensation coverage is no-fault coverage, it give facility to the employer to give medical expenses, wages etc incase major injury at work. Due to no-fault coverage it gives entire responsibility on employer to give all benefits.

The employers liability coverage will protect from the business from claims from employees related to illness as well as accident in the factory. Workers’ Compensation Insurance. It provides wage replacement, medical expenses, and treatment benefits to employees.

All state in USA employers must have to compulsory get the workers’ compensation coverage.

How To Lower Your Business Insurance Premiums?

The premium is decided on the bases of amount of risk involved. Once the business owner’s decided to get the business insurance policy. The business insurance person visits the place and outline the probable risk. He also check which types of security measures taken by the business insurance company. Once the person from the insurance company evaluates the whole situation and finally decide the premium based on the risk factors. To lower the premium followings are the important steps need to be taken by the business owner’s. Here are the following steps to minimize the risks and you are able to get the lower premium.

1. First steps are obeying the safety guidelines decided for the small and medium scale sector in USA. Accordingly try to implements the employees safety first. The entire employee must have to use safety equipments like gloves, gumboot and respirator etc.

2. If possible higher the consultants for the safety and environment rules implement in your factory premises.

3. Always try to educate your employee from the machinery and handling of the goods. If require give them training.

4. You must keep you inventory well. It is most important in maintaining the production line and also cash flow.

5. Installed the safety equipments like smoke detector and fire alarms and other security devices to get protection from the fire and other risk.

The insurance means protection from the risk. If you take the safety measures for the employee and at the factory site properly than your business insurance premium must be lower than the proposed estimate based on initial survey.

Calco Commercial Insurance Business Insurance Company

Calco Commercial Insurance is dedicated to support from small to large company as well as provides totally information about different insurance quotes to individual company also.

We offer highest facilities insurance plans with lowering insurance premiums so everyone can easily get our own choice insurance plan which match with your business type and size. Our employees are also very brilliant in this field that provides totally information from top to bottom and gives the tips to reduce your insurance premium in future. We get growth in very short time periods throughout our excellent customer services and lowest priced insurance quotes. Our online process is very easy-going and anyone can operate it easily as well as when you choose any insurance quotes that is not very long process and our staff members are competed your whole process quickly.

  • I am living Los Angeles and I have medium-sized business so I had taken business insurance quotes for my business from Calco insurance company so during any situation I never worried about my business because I have best insurance coverage. I am very delighted through your lowest priced premium services.
  • I always getting positive response from your team members and they are very professional and friendly for giving me accurate information and from those great help today I think that I invest my money at right place.
  • After many searching I decided to get the insurance services from the Calco Commercial Insurance and not today I realized that really this is best insurance policy for my large business so I never thought that this wastage of money.
  • EXCELLENT!!!!! This is my short note for everyone and I just say that I was totally covered through the Los Angeles best and protected insurance plans which always provide me best services. Really Calco Commercial is best for my whole family members also.


13907 Ventura Blvd Suite 104
Los Angeles, CA 91423
Phone: 877-225-2699

The Small Business Insurance Center Business Insurance Company

This is countrywide insurance company which helps to small business for giving to perfect coverage through different insurance policies and services.

Throughout our helping approach you get good suggestion and responsible services for your small business and guarantee to return your money during any difficulty. This is good investment for your business and for that we provide different insurance policies such as technology specific policy, healthy & disability insurance, D & O liability insurance. We have 500 employees’ staff who always doing hard work for you and your business growth and giving best result. During taking any insurance plans then you can pay your claims as per your convenient time duration and for that we have made some duration for everyone. Our main aim is your satisfaction and big smile on your face.

  • I wanted to lowest priced insurance policy for my small chocolate business and at last I got it from The Small Business Insurance Center. They provide best insurance quotes for us and we are very glad to getting the most covered plans.
  • Thank you very much for your great help and your brilliant staff is also given me best information. Your process is also very easy and short and I just fill one form one time and they focus on my insurance policies services.
  • I would like to recommend everyone for this site and really this is good company for obtain business insurance quotes. I have been member of this insurance source is from last 3 years but I never disappointed about any service or plans.


525 Cordova St, Ste. 200
Pasadena, CA 91101
Phone: 800-378-5554

ROYAL & SUNALLIANCE Business Insurance Company

ROYAL & SUNALLIANCE is one of the heritage insurance companies that have a rich and remarkable history of more than 300yrs. We created our new structure in the year 1996 when we affiliated with the great insurance company of UK named Royal Insurance Company.

After the merger with this massive insurance company we abbreviated our name to RSA and simple and committed corporate brand name. Today we are one of the leading insurance companies in the country and we are proud so describe that we have more than 20 million satisfied customers of general insurance our business is expanded in more than 125 countries. We are designing to policy in such a way that provides the maximum benefits to the prospects at the time of unexpected events. Our staff and insurance agents are always there to guide you the most appropriate insurance plan for life, business, auto and pet insurance. Give us a chance to provide our unique specialties to you.

  • This company is great and their services are expanded in various countries. I am one of the residents in UAE and I have purchase life insurance policy from this company because of its great features. I have also purchased business insurance policy for my business in India from the same company because of the wonderful experience with this company.
  • It was just unbelievable! The car insurance policy of this magnificent company was just fabulous. I have received the 10% discount on the first premium, 20% discount on the second premium and the procedure continues till the time of claim.
  • What a great company this even! This company not only put hard efforts to protect our life, business and vehicle but also helps in protecting our loved pets. Under this policy my pet is protect at the time of any accident or illness and the charges are very less. I am highly satisfied with their services.
  • I was highly impressed with the financial results of this company. The overall profit was satisfying. I have purchased the share of this company and I am very much satisfied with interim dividend. Whenever I will have surplus money I will purchase the share of this company.
  • I have purchased the business insurance policy to protect my business at the time of unexpected natural or man made calamities this policy also protects my workers. This policy not only has this features but the premium is also very less.
  • It was a great experience with this company. I made a call to the agent of this renowned company, he suggested me the best policy as per my requirements. The paper and other legal procedure was done within few hours. I was extremely satisfied with the best knowledge of the insurance agent of this company.


9300 Arrowpoint Blvd
Charlotte, NC 28273-8136
Phone: 1-704-672-3700

Zurich Business Insurance Company

Zurich small commerce insurance company established in the year 1872 is dedicated to provide best insurance solutions to little and average sized business owner by offering a variety of insurance products that customers can purchase directly.

We share our remarkable experience of more than 120yrs to provide the best solution to business, individuals and corporations regarding the risk management and wealth creation. We are also providing the best online facilities for our customers our website will also provide you the appropriate knowledge as per your requirements. We deliver the best to the industry as per their requirements our highly skilled staff and knowledgeable insurance agent will provide their best. Our service will be same even at the time of the claim. Our goals and mission is to reduce the risk by providing the best insurance solutions to the corporate customers and brokers.

  • I will recommend this company to all my friends this understand and provides the best solution to reduce the risk of the corporate customers. I was extremely satisfied with the magnificent services. I was a great and remarkable experience.
  • Thank you!!!!!! For providing the excellent insurance for my business after purchasing this company I am very happy. Now I am not worried about my business because it’s protected from any unexpected events.
  • I was highly impressed with the online services provided by this company. With the help of online facility we accessibility and we can search the best insurance as per our convenience and its even time saving too.
  • I want to develop my carrier with this great insurance company that provides the best insurance services and great benefits to the employees. This is one of the high performing organization I have personal experience with this company and for every aspect this is the best company. I am proud to be the member of this marvelous company.



1400 American Lane
Schaumburg, IL 60196
Phone: 1-800-987-3373

Fat climb!

Whoa, it’s been a month since I’ve shared anything here. It’s been about that long since I fatbiked too! Where does the time go?

Yesterday I met my friend Steve and we did the short climb up to Henninger Flats in Altadena. It was a Salsa geek out! I was on my Mukluk and he was on his El Mariachi. Both from Topanga Creek Bicycles of course.

This is the Mt Wilson toll road. It’s steep and there are no breaks on the way up. At least it’s dirt! To top it off it was misty and the road was muddy in sections. Perfect for a fatbike. Perfect for me. Here’s the Strava info to geek out on.

Until next time!