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.

Lubrication of Domestic Clocks

Domestic clocks are one of the most ignored watches in the entire household. We make sure that our wrist watches are well maintained with good servicing, battery changes and of course lots of lubricating. But domestic watches are practically ignored till the battery runs down. Even then, we just replace the battery without getting any servicing or lubricating done on it. That means that the watch continues to run without any care or oiling till they finally expire and die! But just like wristwatches, domestic watches need to be maintained well too with regular cleaning and lubrication and care. Clocks are larger than wristwatches so a little too much lubrication is OK here.

But still there are rules to be followed in lubrication and care of clocks like-

* Try to use just a single drop of oil in the watch works to make the watch remain on time. These are bigger watches so they don’t really require you to be precise but it’s a good idea if you are. Carriage clocks require a smaller amount while long clocks and grandfather clocks require much more.

* Try not to scrape the oil pots while oiling watches as it scrapes up unnecessary settled grit into the workings of the clock. This is especially true of incalite pots. Use only fresh oil and discard any which has more than five years on the packing date on the seal; protect the oil you are using by storing it at room temperature and away from direct light. An ideal temperature would be about 15 to 20 C or as stated by the manufacturer of the clock. There are several points on a domestic clock where you can oil them and the oil will them spread to all over the clock workings. Good places to apply lubrication are at oils sinks or pivot holes, escapement pallet faces, weight pulley bearings and points of contact between different parts of the mechanism.

* Make sure you do clean the mainspring and refit the watch springs after you have oiled the domestic wall clocks. You can also apply heavy grade mineral oil around the edges of the barrel cap. Capillary action will make sure that the oil spreads all over the mechanism.

* Do not lubricate or oil pinion leaves and gear teeth, as they will slip while revolving. Another place to be careful of is the ratchet and the great wheel arbor in the main clock facings.

* The frequency of oiling depends on how frequently you use the clock and the location it is based in. Synthetic oils are very stable and do not deteriorate but non-synthetic oils do. The residue leaves a gummy deposit in the watch that can destroy a good watch.

* Contamination with dust will however really cause a tremendous amount of wear on the clock and that can damage the mechanism. Reapplication of oils is fine after the old one has been wiped off.

But do make sure that you do service the watch at least every two years to maintain optimum working conditions.

What Can You Do When Your Mind Refuses To Write Your Sales Letter?

You need to write a sales letter but you can not find the words, the harder you try the less comes to mind. In the end you're left miserably staring at a blank piece of paper – What can you do?

Many people have told me that they face this kind of problem when it comes to writing their sales letter. No matter how hard they try and think about writing their letter they just can not seem to get things moving.

It's really frustrating and can happen to us all from time to time but there's a great way to get those ideas flowing and break out from the mental blocks. Let me ask you something first though …

Do you know your product?

I mean really know your product.

You see in order to be able to sell something you really have to know it in intimate detail. For instance how can you sell the benefits of Liposuction without you are a woman who's actually been through the process?

What do you know about it apart from heresay? You do not know whether there's any pain involved or whether there's a special diet you need to eat afterwards.

Do you know what feeling there is immediately after the operation? Do you look into the mirror and see the hour glass figure you were dreaming about before you went for the op, if not how do you feel deep down?

Are there feelings of anger and dismay or is there a deep sense of ecstasy as you look out and see the real you that was hiding inside that tired old body all the time?

Only someone who has really experienced those first fearful glances can honestly tell this with an emotion that rings true.

This is why you have to know every little thing that you can about your product before you sit down and try to write your sales letter.

Knowing and loving your product gives you the burning passion to tell all the world about it and is the first step in overcoming the dreaded blank screen that so many sit in front of for hours on end, unfortunately trying to write their sales letter.

So the first thing you need to do is to get hold of your product and fall in love with it – that means you actually have to go and buy, borrow or test drive it.

Look, you're going to be writing a story form your heart telling me exactly why I should buy your product from you. If you do not know and love it how can you in all truth and honesty tell me to buy it?

Ok, go and get your product, take it in your hands and start to use it. If it's a book read it, if it's a car drive it – Do whatever you have to do to get to know your product in the most minute detail.

Next list the reasons why it'll help me in my life – Will it help me make more money or will it help me get from A – B more quickly and in greater comfort?

How heavy is it? Is it easy to use? Does it have any weaknesses?

List everything down the good and the bad.

You need to understand why and how I will benefit from it, also why I should buy it from you instead of from somebody else.

An easy way to do this is by brainstorming.

The way you do this is to take a blank piece of paper and draw a small cicle in the middle, write your product's name in the middle of the circle.

Now it's time for you to get the magic going!

Look at the name of your product and write the very first thing that comes into your mind down on the paper.

Draw a line radiating out from the circle and write your thought at the end of that line.

Do not think or worry about spellling, just write. As Soon as you've finished writing one thought another will be there, draw another line and write that thought down also.

Soon you'll have so many thoughts hitting you that you will not be able to keep up – Just keep on going until you have nothing left inside your head.

This is such a stimulating exercise that it'll often leave you panting for breath!

Once you've finished all you need to do is look at what you've written and make a list of all the great ideas you have. List them in order of importance.

Now you have the outline for your letter.

Use the most important reason on the list, the main reason why I should buy your product (this is the largest benefit of your product) and turn this into a sensational headline.

Allow the ideas on the list to flow into your sales letter using sub-headlines when you need to emphasize a point, soon your letter will have almost written itself.

Finally, when you write your letter remember to only write it to one person at a time – make it personal!

That's it for now, go and grab your product, fall in love with it and start to list the reasons why I should buy it.

Go on do it Now!

Copyright 2006 Stuart Elliott

Child Cognitive Development

In the present time, nobody thinks that the babies are not capable of understanding things. Scientists have explained with the aid of several examples of how babies are, for instance, very much capable of reacting or hearing to any sound.

You may be a bit surprised to know that the child cognitive development begins when s / he is in the womb. The brain begins to mature when a baby is in the stage of a fetus.

It is true that they can not master the arts, but it is a proven fact that the babies start connecting with the outer world at this pre-natal stage. It basically depends on the age of the baby. The child cognitive development is a matter of time. Do not expect from your baby that s / he can make all the movements or can use the language nicely at the primary age.

There are some certain features that the child doctors and psychologists can explain to you regarding how much can you expect at every certain age / stage of the baby.

When the baby is of 3 months, you can notice certain child cognitive development in your baby. In this primary stage, the infants try to cope up with the world as her / his senses have so developed. The baby gives responses to the facial expressions. S / he can distinguish between sounds.

The baby can differentiate among various tastes as well. It is not possible that s / he knows what is sweet and what is bitter at this early stage. Neverheless, s / he can realize that two tastes different from each other.

At the age of three to six months, the baby's perceptual abilities get to a higher level. The infants can recognize faces now. They can make themselves familiar with the common faces.

Another important child cognitive development is that the baby can now differentiate one person from another as well. The baby follows her / his newly grown senses to identify persons. S / he can identify someone to be quite close to her / him through the voice, touch, and look.

Between six to nine months, the baby usually stares at the hanging objects. They have a little idea of ​​the outer world and how it functions. The hanging objects are like something impossible to them and they stare at them for a long time.

At the age of twelve months, the child cognitive development reaches a certain limit when the baby can recognize herself / himself from others. S / he can imitate various gestures and actions of the elders. The baby can also respond to the simple directions that you give to her / him. In this slow but steady way, the baby slowly develops the faculties that will be with her / him for the rest of life.