Montgomery Rider Education Program, Inc.

Welcome to the exciting world of motorcycling!

As a new rider participating in motorcycle education and training activities, you’re about to embark on an adventure that only motorcyclists can know.

If you’re an experienced rider who has taken some time off from the thrill only two-wheel exploits can bring, welcome back! You are certain to renew the skills necessary for motorcycle enjoyment.

Motorcycling can be quite a challenge, not only in learning the controls and acquiring the basic skills, but also in negotiating through real world traffic conditions. If you’re willing to embark on a journey that develops the special skills and strategies of a good motorcyclist, there is a course for you. Below are just some of the benefits:

Greater Confidence

One RiderCourse® graduate summed it up: “It is scary to imagine going on the road without having participated in the RiderCourse®.”

Improved Skills

Here is a comment from another graduate: “I have become more defensive and observant, not only while riding a motorcycle but also when driving an automobile.”

Licensing Test Waivers

Tennessee waives both the written and riding portions of the motorcycle-endorsement test for students who have successfully completed a RiderCourse®.

Insurance Discounts

Many insurance companies offer discounts on motorcycle premiums to students who have successfully completed a RiderCourse®. Contact your insurance agent.

Base Access for Military Riders

Successful completion of a RiderCourse® is mandatory for base access for many motorcyclists in the armed forces.

Can Lexington Law Really Help Repair My Credit?

lexington law

lexington law

When it comes to the Cadillac of credit repair companies, Lexington Law would definitely be on that list.  In business since 2004, they have garnered thousands of positive reviews from satisfied customers.  If you have poor credit and believe that your credit report is suffering from inaccurate information, hiring a credit repair firm like Lexington Law may be the right move for you.


What Does Credit Repair Involve?

Credit repair in itself is the process of restoring or correcting a poor credit score.  Now, if you have information on your credit report that is real and verifiable, that is not something that can be removed from your credit report.  For the purposes of this article, we will assume you have inaccuracies on your credit report that you need help getting removed.  When you hire a reputable credit repair company, you are enlisting them to work as an intermediary with the credit bureaus as they try and get these incorrect items expunged from your credit report.

The credit repair process can be long and taxing, so the average person would not want to get involved with trying to repair their credit on their own.  With that being said, it is possible to repair your credit on your own.  If your issue is simple to resolve,  this route may work for you.  More in depth issues really require extensive knowledge of credit law.


Who is Lexington Law?

Lexington law has been helping consumers repair their credit for over 16 years.  They are one of the most well known companies in this space and their staff is made up of lawyers and paralegals that have all been trained in credit law and consumer advocacy. This feature helps set them apart from all the other  credit repair companies out there.  Their extensive knowledge in credit law has allowed them to successfully challenge over 180 million items with the credit bureaus.  In 2019, they were able to remove over 1.5 million negative items from clients’ credit reports.  Because of this, Lexington Law has thousands of positive reviews from satisfied customers. Click here to read a full review of Lexington Law.


What will Lexington Law Do For Me?

When you enlist the services of Lexington Law, their first order of business is to obtain your credit report from the three major reporting agencies (EquifaxExperian, and TransUnion).  After that, they will meticulously go through your credit reports along with you to check for any items that could potentially be inaccurate or unfair.

A plan will then be formulated by Lexington Law’s legal team that involves sending out appropriate correspondence to agencies and organizations on your behalf.  They will request that any inaccurate items be removed unless they can be properly verified.  As your case progresses, Lexington Law will take care of providing material to substantiate your claim.  They will always work to keep your credit rights in mind as they push for accurate information on your report.

How Long Will The Credit Repair Process Take

There are no guarantees when it comes to credit repair.  Because so much is contingent upon third parties like creditors and credit bureaus, timeframes vary.  In addition, every client has a unique case.  A more simple case can be handled more quickly than one that has a lot of discrepancies.  On average, most clients see results in about six months.  Those with more simpler cases may see results in as little as 90 days.

What Plans Does Lexington Law Offer?

There are three service plans to choose from.  The first tier plan provides most of the services one would need to get their credit repaired.  If you have a more complicated situation, then one of the other two plans may be more appropriate.  When you call for your consultation, the representative will be able to give you an idea of what plan would best suit your needs.

lexington law


Is It Worth The Money To Hire Lexington Law?

Only you can decide whether hiring a credit repair service makes sense for your situation.  Poor credit is something that has deep affects on your financial life.  If you need help resolving inaccuracies on your report, then Lexington Law has the proven solutions for you.  They are a highly reputable firm that has your legal rights always at the forefront.  They do offer a free consultation so you have nothing to lose.  At the end of the day, it is Lexington Law’s goal to help clients take charge of their credit and achieve their financial goals.




Benefits of Installing A Home Security System

home securityThere are many benefits you will enjoy after you decide to install home security systems. First, you will scare away potential burglars. If you live in an area where security is not guaranteed, you will be assured of increasing your security greatly after you decide to install the security systems. There are many systems available, it is upon you to take your time and assess the performance of different systems so that you will decide on the best which will assure you great success. The best system for you to install should cover all the areas in your home. There are some systems which have night recording capabilities; those are the best if you will like to achieve surveillance of your home all round the clock. The type of installers whom you will hire will also matter.  Make sure to read home security company reviews before making a decision.  There are others who are known to offer the best services; you should hire them if you will like to be assured of great services.

Benefits of installing home security systems

You will easily track criminals in your home

If by any chance theft will occur in your home, it will be very easy to track the criminals using the footage which will be provided by the security cameras. You will even have an advantage of scaring away the burglars because they will know if they steal from your premises you will easily track them down. The amount you will use to install the security systems is less when compared to the amount you will recover if your home is attacked by burglars.

Home security systems make it easy for you to achieve peace of mind when at home

The security systems will be communicated in such a way they will enable you access live footage of people who will be approaching your home. This will make it very easy for you to identify potential robbers or people whom you suspect can harm you. After you identify them in good time, it will be very easy for you to take necessary measures which will avoid you cases where the burglars can harm you. Some systems will even offer you footage from remote locations. This will make it easy to notify security people before you are harmed.

The security systems will increase the value of your home

If you will like to resell your home later, you will achieve high value due to the presence of the security cameras. This is simply because many home buyers will like to be assured of great security.

Nootie’s Medicated Oatmeal Dog Shampoo Reviewed

dog shampooIt is not uncommon to see dogs itching every now and then. Dog owners know that their dogs need to get busy with their nighttime scratching quite regularly. However, if you see your dog itching itself incessantly to the point of chewing, biting, scratching and licking its skin, you need to step in and do something to help your dog cope. Apparently, itches are the second most common reason why most pet owners visit the vet, as this problem could easily cause massive infection in our canine companions and make them sick. It is imperative that you invest in good quality dog grooming products like an Oatmeal Anti-Itch Dog Shampoo which will keep your dog’s skin soft and itch-free.

What could cause constant itching in dogs?

There are two possible reasons for this condition, and both of them have a cure:

  • Allergies: This condition is becoming more common nowadays with poor breeding habits, processed pet foods and aggressive doses of pet vaccinations. However, many pharmaceutical and supplement companies have come up with strong medical treatments which help in controlling this allergy.
  • Dry, flaky skin: This is more usual than allergies. Dogs usually have an alkaline coat on top of their skin which helps in trapping moisture and keeps germs away. When their skin becomes too dry, this coat of oil gets stripped and the layers underneath start to get irritated. With the natural layer of oil now being absent, bites and sores cannot keep the germs away, and this causes infection.

How to deal with dry flaky skin?

It is definitely important to keep a close watch on your dog in order to check if they are suffering from skin irritations. If your dog’s skin is too dry, there are different possible causes:

  • You are giving more baths to your dog than you should. Excessive bathing can strip off the natural layer of oil, and this will cause the skin to lose moisture quickly.
  • You need to use shampoo that is made of natural ingredients like oatmeal, honey and vitamin E which will keep your dog’s skin smooth and soft.
  • Use a shampoo with the right pH balance. Nootie’s Medicated Oatmeal Dog Anti-itch Shampoo will have a pH balance that suits your dog’s skin. The alkaline coat on dogs have a pH value between 5.5 and 7.5.

What does Nootie’s Dog Shampoo contain?

This shampoo is formulated with the help of dermatological solutions. It therefore uses different topical creams and medicines which reduce harmful agents in the skin and help in relieving pain as well. Nootie’s shampoo is made of Colloidal Oatmeal, 1% Lidocaine HCL and 1% of Pramoxine HCL.

Each of these ingredients is known for its benefits. While the Pramoxine and Lidocaine are used in topical creams that relieve pain and heal scratches, scrapes, cuts and bites, the colloidal oatmeal helps in hydrating the skin so that it becomes well moisturized, soft and supple. These elements also help in minimizing skin irritation, and this therefore reduces itching.

What are the benefits of this shampoo?

Apart from its usual benefits of reducing skin irritation and itching in dogs, this shampoo also helps in other ways:

– While this shampoo is good for dry skin, it is also good in fighting against allergens that cause itching. So if your dog has an allergy problem, the colloidal oatmeal will naturally help to remedy the problem and keep your dog relaxed.

– This shampoo does not interfere with other treatments that your dog might be subjected to, like tick and fleas treatment.

– This shampoo also works perfectly well for dogs that have extra sensitive skin.

How is Nootie’s Oatmeal Dog shampoo better than other products in the market?

A lot of anti-itch dog shampoos are easily available at an affordable price. But most of them contain harsh chemicals which may harm the skin eventually. Most of these shampoos are quite strong. Therefore, they easily strip off the natural coat of oil on the skin, making it more uncomfortable for dogs.

Nootie’s shampoo contains only natural and pure ingredients like oatmeal which help to keep the skin moisturized and relaxed. Not only will this ingredient keep your dog’s skin itch-free, but it will make your dog’s coat more soft, silky and healthy. Also, this product has a very nice, natural fragrance which keeps dogs smelling good and happy all day long! Using this product carries no risk, as it comes with a full refund-return policy, in case you are not happy with the result.

Customer reviews:

A lot of customers have reported that their dogs got really healthy, shiny coats after they used this shampoo. Dogs like the natural fragrance and do not itch much as before. Some customers have even mentioned that their dogs have stopped shedding excessively after they were bathed with this shampoo.

Nootie’s Oatmeal Dog Anti-Itch shampoo is a really good quality dog grooming product that you will find in the market. Not only is it affordable, but it is recommended by vets and is dermatologically tested for optimum results.

Protecting Yourself and Your Child’s Identity At Tax Time

identity thiefA common scam that cyber criminals pull on innocent victims around tax time is to file your taxes for you, so they can receive your tax return, which is often worth hundreds, and even thousands of dollars. See, around tax time, information is flying all over the place online. All of this activity can lead to scammers phishing for credit cards and Social Security numbers, although, this is such a busy time of the year that perpetrators often go unnoticed. Tax time is essentially the perfect breeding ground for cyber criminals.

Let me let you in on the second part of this very vicious tax scam, and that involves your children. Scammers will oftentimes claim your kids on your taxes, so they can receive your tax breaks. Not only that; most children are not as jaded and on-guard about identity theft because they are too young to own credit cards, which makes them sitting ducks for cyber terrorism and identity theft. Imagine all the scams that your children are left vulnerable to, all because of their age.

Protecting Your Children From ID Theft

A savvy scammer could receive credit cards in your children’s name once they are 18 years of age because they’ve stolen all your children’s identity information. WARNING: If you try to claim your kids on your taxes and you are unable to, then someone has probably claimed your income taxes, and your children for you already, just waiting for you to pay your taxes for second time and receive your tax return. If this happens, contact the IRS at once to quickly rectify the situation.

The time that it takes to fix an identity fraud case with the IRS can vary depending on the severity of the scam pulled against you. If you feel that you have been scammed, is only wise to check with your credit card provider to see if your credit card has been used by anyone else other than you. Also, you want to check to see if there have been charges added to your credit card that are not yours. If you are suspicious of fraudulent activity executed in your name or identity fraud with your Social Security number, it is only wise to set up a fraud alert to automatically contact you, just in case it discovers any charges to your credit card that seem a little out of whack.

There are a handful ways that your cyber security can be breached and identity theft can take place, from having your purse or wallet misplaced or stolen or providing your social security number to an unscrupulous salesperson that requests it. Identity thieves have been known to rummage through people’s trash to find items that link to potential victims, not to mention the spyware that gets automatically downloaded on computers every day from visiting the wrong website or downloading the wrong movies. It is also possible for a computer virus to hack the auto fill information in your browser to gain access to Social Security and credit card information that you have previously filled in.

The best way to protect yourself is to keep your Social Security card at home, so in the case that your wallet is lost or stolen, identity thieves do not have access to your Social Security number. Please make sure that you always keep your computer up to date with the latest antivirus software and as an extra precautionary measure, it would be wise for you to file your taxes online, because if there is a problem and someone is attempting to file your taxes for you, you can rectify the situation quicker if you file online, whereas if you file in person, it could take seemingly forever to resolve these issues.


Credit Monitoring Services: A Necessity In Today’s World

bad creditCredit monitoring services are one of the most important industries in finance today. In today’s world, a credit score is important and sometimes required to rent an apartment or borrow money. Some employers will check a potential candidates credit score before hiring them.  This is especially true of jobs in the financial industry.  First of all, a credit score and a credit check are two entirely different things. A credit score is a basically from a lifetime accumulation of making payments, both the amount and whether they are on time. A credit check, on the other hand, checks your credit score from the three major reporting agencies(EquifaxExperian, and TransUnion).

What is a Credit Report?

Credit reports are known for how many mistakes they have. According to some experts, over fifty percent of credit reports have errors on them. Errors on credit reports may mean that you can be denied a loan when you should not be, due to debt on your name you never signed up for. If errors are found on credit reports, you can dispute the error. However, even if it is cleaned up you may not see the results for up to a month, because banks refresh their credit data every thirty days. As you can see, just one discrepancy on a credit report can delay financing for several months.

The Power of Credit Scores

In today’s world, you should protect your credit score. If you have a low credit score, you can boost it by paying off old and bad debt, and getting a credit card and paying it off every month. To boost a credit score, there are a variety of different methods out there. To keep it simple, never have old debt that is left unpaid, pay all of your bills on time, and keep a credit card and pay it off every month. After making these changes, it can take one to two years to reach an acceptable credit score. However, the efforts and the wait will be worth the effort.

Why A Credit Monitoring Service?

With all of that being said, credit monitoring services are designed to diagnose a credit reporting problem quickly. Many services alert users when “bad” data shows up. For instance, on your credit report there is a bad debt for a $10,000 boat bought in the Cayman Islands. Instead of finding out years later when trying to buy a house, a credit monitoring service will alert you, so you can take action and remove the bad and incorrect debt for your name.

Overall, credit monitoring services are crucial in today’s world filled with identity theft. Keeping a close watch on your credit report can help to mitigate big headaches down the road, especially when trying to apply for credit of any kind. In today’s financial world, a credit score is very valuable and you should do everything in your power to keep it protected. Credit monitoring services are a valuable asset in protecting your credit and against identity theft in the marketplace.

What credit monitoring doesn’t do

There are no guarantees with credit monitoring.  Its job is to provide you with alerts and resources when there is a chance of possible theft.  With that being said, although it is designed to catch signs of fraud, it cannot guarantee fraud prevention.

Here are some things that credit monitoring can’t do for you:

  • Stopping a person from opening any new accounts in your name.
  • Help keep your persona details secure from data breaches.
  • Keep your credit card from being skimmed.
  • Alert you if money has been withdrawn from your bank account.
  • Notify you if someone has filed a tax return with your name and if they actually collect the refund.
  • Keep you from receiving phishing emails.
  • Report fraud for you.
  • Fix any credit report inaccuracies.
  • Perform a credit freeze.