Muzzleloader hunters are notorious for putting their guns away loaded. In New Jersey, a muzzleloader is considered unloaded when the cap or primer is removed. We do this almost on a daily basis. It is easy to forget that there is still a charge in the gun, so check your muzzleloader and make sure it is unloaded.
A lot of smoke poll hunters think that as long as the barrel is clean, everything is OK until the next year. As everyone knows, black powder and pyrodex is very corrosive. When you shoot your gun there is some degree of blow back through the breech plug. The powder blows back and gets into everything on your gun.After cleaning your barrel, don’t stop there. Pull the nipple and breech plug. Clean them good with your powder solvent, then take a good quality bore butter and put it on the threads of both pieces. This will stop the parts from seizing together. If you have an older gun with a bolt or slide action, they must be cleaned and lubed also.
Make sure to clean the area that the bolt or slide travels in. Use bore butter to protect these surfaces. Rusted bolts and the channel they slide in are always overlooked, but cause a lot of misfires because the bolt can’t close hard enough to make the cap or primer fire.
Most guns have removable trigger assemblies. Remove this assembly and clean all the parts with a gun wash. Be sure to use light grease or a good gun lube before reinstalling the assembly on the gun. Last, but not least, go over the entire outside of the gun with quality gun oil or firearm wipes.
Bow hunters have it a lot easier because they do not have as much maintenance to do. Here are a couple of steps to take if you are putting your bow away for the year. Wax all surfaces of the strings and cables. Use a good quality bees wax or a graphite wax. This will stop the fibers from fraying.
Back the limb bolts out three or four turns. Be careful not to go too far or the limbs can pop off and you could get hurt. This will take pressure off the limbs, string and cables. Most importantly, do not store your bow where mice can get to it. You would not believe how many bows I have restrung because of these little critters.
Taking these steps now will help you for next year’s season. Doing the proper maintenance now will save you time and money.
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An unexpected occurrence, such as a death, disability, or other personal loss, is certainly not something for which you can easily plan. Yet, the financial ramifications can be staggering—not only to you, but to your family, as well. Therefore, it is important to make a personal risk management plan part of your overall financial strategy.
ReplyDeleteInsurance, in all its varied forms, is simply a method for managing risk. In order to plan an effective insurance program, consider what risks you and your family are exposed to and how financial loss would affect you. For each risk exposure, the key elements to consider are the severity and frequency of loss.
All Risks are not Created Equal
Some risks may be so small that you decide to accept full responsibility for any potential loss. In insurance language, you “self-insure” for such risks. For example, it is rarely cost-effective to carry collision coverage on a ten-year-old automobile. Collision coverage generally pays actual cash value, and since a ten-year-old car may have little current fair market value (FMV), it is common to self-insure in such cases. In making this choice, you assume full responsibility for any accidental damage you may cause to the vehicle.
In other situations, the risk may be so large (or the cost of any potential loss so great) that the best strategy is to try to avoid the risk entirely. You practice risk avoidance in daily life when you say something is “not worth the risk.”
Sometimes, risk can be reduced. For example, installing an automobile anti-theft device or home security system is a strategy for reducing the risk of loss.
Risk Transfer and Risk Sharing
Buying insurance coverage is a method of transferring risk you cannot afford, or choose not to accept. Even in situations of risk transfer, it is common to share some risk. For example, the deductibles and premiums you pay for insurance are a form of risk sharing—you accept responsibility for a small portion of the risk, while transferring the larger portion of the risk to the insurer.
Between the ages of 25 to 35, for example, couples are just starting out—getting married, establishing families and careers. During these years, the death of one partner could seriously jeopardize the surviving spouse’s or family’s financial future. In such situations, life insurance can be used to help create an “instant estate.” A life insurance policy death benefit can be a source of funds to help provide a continuing source of income, pay off a mortgage,or save for a child’s education. Great great term life insurance rates at http://www.termco.com.
Additionally, many people give little thought to how they would handle financial responsibilities, such as mortgage payments, car payments, college tuition, and utility expenses, if their income suddenly stopped for an extended period of time due to an illness or disability. Disability income insurance can help fill the financial void that occurs when income stops, and proceeds can be used to keep up with ongoing expenses.
Furthermore, since you may be unable to afford to rebuild your home in the event of fire, for example, you may choose to transfer that risk to an insurer by purchasing a homeowners policy.
Taking a closer look at different types of risk that may occur can help you answer some important questions. What should I insure? What type of insurance do I need? How much coverage should I purchase? Remember, the fundamental rationale behind all forms of insurance is to determine what risks can be transferred on a cost-effective basis.