How to Insure Cargo

Cargo insurance is one the most effective methods to decrease transportation risks. However many companies in order to save their money refuse to insure their cargo, and hope that “things will come right “. The experience shows that such saving is risky, because in case if cargo is damaged or lost material losses may be severe.

Miracle movers, Toronto movers advise you to approach seriously cargo transportation. Since company’s financial director is interested in minimization of possible financial losses, he should imagine clearly against what types of risks the transported cargo is insured and which are factors that must be taken into account.

Today miracle movers, Corporate moves will share with you their experience regarding cargo insurance.

What should we take into account in case of cargo insurance?

Company may decide to conclude an insurance agreement at any time before cargo transportation. The conditions of insurance depend on cargo type, route and so on. The main document which stipulates these conditions is the agreement with insurance company.

Types of agreements

Each insurance company works on the basis of license granted by the official body and special document – rules of insurance, which are drawn up by each company. The rules describe types of insurance agreements, which may be concluded by the company, list of insured risks according to each type of the agreements, as well as mode of payment of losses to the insured party. Most of the companies have similar documents, because they are based on the Institute Cargo Clauses elaborated by the Institute of London Insurers. In case of cargo transportation to the other countries, in order to avoid problems with foreign partners the ICC terms are used. Miracle movers, Professional office movers, among others, transport cargos besides the Canada borders. That is why they work only with the most reliable insurance companies.

Types of insurance agreements differ by insured risks:

- “all risks”: insurer bears responsibility for losses caused by cargo damage or full or partial cargo loss, which took place by any cause, except causes stipulated in rules of the insurance company;

- ” with particular average”: the insurance company bears responsibility and undertakes to cover losses caused by cargo damage or full or partial cargo loss, which took place as a result of natural hazard or vehicles crash, as well as in consequence of ship in missing. Some companies, including miracle movers, Toronto movers include in such agreement risk of full or entire cargo theft.

- “free of particular average “: the insurer undertakes the responsibility for losses as a result of full or partial cargo loss caused by natural hazard or vehicles crash, as well as for losses in consequence of ship in missing.

Beside the aforesaid main agreements types insurance companies may conclude agreements of insurance of the allied risks, for example damages, which may appear when during cargo transportation goods cost increases or they are not delivered at all due to the political or other events. However the insurance premium in case of such agreements is rather high. But in case when clients of miracle movers, Corporate moves wish to bear such expenses, company concludes such agreements in their name.

Important clauses

Miracle movers, Professional office movers have experienced lawyers who have a serious approach to the insurance of the client’s cargo. Each insurance agreement, as well as the insurance company rules, contains a list of exception cases when the insurer is not liable. As a rule, to the exception cases refer risks related to:

- acts of war and their consequences;

- bad faith or gross negligence of the insured party or his representative A (violation of transportation conditions stipulated in the agreement).

The insurer also will not pay cargo shortage in case when the package has no visible damages (for example, loss of goods from container with unbroken seals).

In our next article we’ll discuss such crucial points in insurance as term of validity of the insurance agreements, factors which influence the underwriting rate, and how to obtain the insurance.

Saving Money On Gasoline For Your Automobile

The gas that we fill our tanks with every week adds up to be quite an expensive bill over the months and years. Thirty dollars a week in gas adds up to over $1500 a year.

That’s $1500 additional dollars needed just top drive something you already own (or making payments on).

Small changes in your driving habits can save you hundreds every year. It’s really not as difficult to increase your fuel mileage as you might think.

WANT TO KNOW HOW MUCH YOU’RE SAVING?

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Keep track of your mileage for one week (7 days) BEFORE you start implementing these gas saving tips. The following week, start practicing these tips and keep track of the mileage for another seven days.

Nothing elaborate. Use the re-setable odometer found in most vehicles or simply use a post-it note in your car. You might find yourself saving $5-$10 a week which works out to $260-$520 annually!

TEN GAS SAVING TIPS

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Here are ten short gas saving tips that you can start using today. Most of these tips can be immediately put into use and cost absolutely nothing! What can be better than saving money for FREE?

- Check Tires Regularly

Keep tires properly inflated to avoid premature wear and mileage loss. Under inflated tires can waste 5%-10% more fuel than needed.

- Maintain Car Momentum

If possible, scan the road ahead to anticipate when slowing will occur. Maintaining even a ‘crawl’ will save you gallons as opposed to constantly stopping and going.

- Stop ‘n Go Traffic

Using the car air conditioning unit during heavy traffic can really ‘burn’ up gas quickly. If it’s bearable, try to keep the windows or sunroof open for fresh air.

- Remove Unnecessary Weight

If possible, remove car racks and any items of considerable weight. You’d be surprised at what an extra 50-100lbs can do to your gasoline consumption rate.

- Keep Filters/Converters Clean

This can save you and your engine a lot of extra work. Most filters cost between $3-$15 and can be replaced without much work – especially the air filter.

- Higher Octane Gas

Do not benefit most cars. Only use the higher octane if your engine is starting to ‘ping’ (engine knock)

- Cruise Control

Maintain an exact speed allowing for better fuel consumption. Effective on open highways.

- On Highways

If possible, try to keep windows and sunroofs closed especially at high speeds. Use the built in ventilation system for fresh air for optimum aerodynamics.

- PickUp Owners

Consider a ‘soft-net’ type gate replacement to eliminate the “drag chute” effect. Extremely effective on freeways/highways.

- Purchase Gas On Indian Reservations

NO taxes on gas on the reserves. It might pay to fill up the next time you are near an Indian Reservation.

CONCLUSION

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Simple yet extremely effective, these tips can help you start saving money immediately off your gas bill.

Regardless of which gas saving tips you are able to use from this article, keep in mind that SAFETY is the most important concern on the road. NEVER jeopardize the safety of you or the other drivers around you at any time. . . period.

Technology in Sports

It today’s world, sport cannot go together without technology. With the ever growing development of new technologies, they have always tried to be implemented into sports. Because technology can give sports something nothing else can, an unmistakable truth. Or so they say. Due to the fact that people are, well, people, they are bound to make mistakes. It is because we are human, we are not robots, that we can make mistakes, while robots make them only if they are malfunctioning. This is especially emphasized in sports, where human eyes can often deceive their owners, the referees most importantly, but also players, coaches and the fans. That is why these days there are many discussions about installing video technology into sports, mostly football. What does technology actually mean for sports?

Here I would like to emphasize that there are already sports using technology, like tennis and cricket, to name some. It helped the referees a lot, to minimize and correct some mistakes they make. But apparently, not all problems are solved like this. Players that have been playing for a longer period of time, and have not grown up with these kinds of technologies, are not convinced that it works properly. This suspicion is probably understandable, because when they were first starting their professional sports careers, they did not probably even dream about something like this would exist. But this technology has been tested time after time, and skeptical players, such as Roger Federer, have learned to live with it and accept it, although probably not so reluctantly.

This technology used in sports is called Hawk-Eye line-calling system, or just Hawk-eye for short. It was invented by a British computer expert Paul Hawkins. It is now used in tennis, where six or more cameras, situated around the court are linked together, track the path of the ball. Then those six or more cameras combine their separate views and make a 3D representation of the path of the ball. For tennis, or basically any other sport, this means that any close line call can be checked, quickly and accurately. This is not always used on tennis tournaments, though. For instance, the French Open is not using this technology because the tournament is played on clay courts and thus the print of the ball on the ground can easily be seen. Maybe this will change one day, because you can’t always be 100% sure you are looking at the right print.

These days there have been a lot of talks about introducing this technology to the sport of football. The sympathizers of this idea have been especially loud after the South Africa FIFA World Cup 2010, where a lot of mistakes by the referees have been made (an Argentina goal allowed although the player was offside, England goal not seen in a crucial moment). However, referees are only human, and they are bound to make mistakes because they can not help it, so i do not think all those critics were fair to them. On the other hand, a recent statement was made from the UEFA president Michel Platini, who is not thrilled about the goal-line technology, saying that this would reduce football to a video game. I don’t believe that other sports who have this technology have been reduced to a video game. Furthermore, he also admits that referees can make mistakes and that there are many cameras on the field that can catch any disputable moment. So why not help football, or any other sport, to see these disputable moments clearly and to resolve them without making mistakes. Or is it better to hear a mass of critics every time something like this happens? I am sure the referees would like this kind of help, then they couldn’t be blamed for anything and wouldn’t have to listen to all the nonsense people say about them the other day, or worse.

Productivity Measurements and Telecommuting

Over the years, the improved channels of telecommunication have paved the way for an increase in number of Telecommuting jobs. Telecommuting occupations are not your typical office work and that is why, it has become a focus of productivity measures issues. There are a lot of myths that surround telecommuting and Productivity Measurements. Some say that measuring productivity is much more difficult in telecommuting than in regular office work.

Before going forward, let us first individually define what Productivity and what Telecommuting is. Productivity (in Economics) refers to the amount of output produced in a specific amount of time. In a factory or office setting, this can easily be computed by dividing the number of units of output with the time spent to produce them. For example, an office worker is given the task to compile kits for the participants of a lecture. He was able to compile 25 kits in 1 hour, and that becomes his productivity rate.

Quantitative data is more easily translated into productivity rates rather than qualitative data. On the other hand Telecommuting (other known as working from home) is form of work where the employee works on his or her own schedule. It is called telecommuting because the time and process of commuting to and from the work place are replaced by links of telecommunication. A few of the most popular telecommuting tasks is Medical Transcription and Insurance Underwriting.

The issue that lies between Productivity measurement and Telecommuting are claims saying that Productivity measurement is harder to achieve than with regular office work. This is claimed to be the major downfall of telecommuting. Because of this, employer supposedly has no hold on the productivity of their personnel who work form home.

However, that is really not the case. Productivity Measurements are still easily achievable with Telecommuting Jobs. The rate telecommuting employee works, is the same with every project that he / she receives. A Medical Transcriptionist may complete transcription of 5 files in an hour. No matter how many hours a day a medical transcriptionist chooses to work, his or her hourly rate is still the same.

Another myth about productivity measurement and telecommuting is that an employee has no hold on how much an employee works on a set number of days. This is opposed by the fact that employers enforce deadlines that a Telecommuting employee must adhere to. In example, an Underwriter is given 10 insurance policies to process in a span of 4 days. It is of no consequence to the employer how his or her Underwriter divides the task over 4 days as long as it is completed within the set number of days.

Telecommuting is a practice that will unduly continue to grow. Since early fears that it may not be a as easy to regulate and measure as regular office work, it has been proven that it is not so. That is the reason why employers should not shy away from hiring telecommuting personnel because they can still measure and regulate their productivity rate since not having set office hours.