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.

Everything You Need To Know About Shared And Reseller Hosting

Shared hosting or virtual hosting is when multiple websites share the same server. The advantage of using a shared hosting service is that it is highly cost effective. Dedicated hosting plans where only one website is hosted on a server are highly expensive.

A shared hosting server will have hundreds of websites on it. The arrangement still works out fine and all the websites get the resources they need because most websites do not attract a large number of visitors.

Who can use it?

Well, shared hosting is more than enough to meet the needs of most websites. It is ideal for personal websites and small or medium sized online businesses. It may not be the right option if you run a large e-commerce website that attracts millions of visitors every week.

How it works?

Shared hosting works on the basic assumption that most websites would not use a large portion of the disk space and bandwidth allotted to them. Most shared hosting providers will give you more disk space and data transfer than you will ever use. If all the websites on the server used their quota, shared hosting won’t work. In reality, however, few sites manage to exceed their quota. Most of them don’t even use even 10% of that. As a result of this the service provider will have lots of free space available on the server.

The only real problem with shared hosting arises when a hosting service provider decides to oversell. If the service provider allows thousands of sites to be on the same server, all the sites will be slow because they will be constantly fighting with one another for memory and bandwidth. Fortunately, most web hosts are sensible enough to prevent such a situation from happening in the first place.

Reseller web hosting

Reseller hosting is a type of web hosting which allows an account owner to resell the hard disk space and bandwidth he has purchased to third parties.

The reseller purchases huge amounts of hard drive space and bandwidth from a large web hosting provider and then sells them to customers, usually for a profit. Some resellers rent a dedicated server from a web host. Others simply resell shared hosting services. Most resellers are web design firms or web developers. Most web hosts allow resellers to create their own service plans and pricing structures. Some even offer customized control panels and servers.

You can be a reseller even if you are not an expert on the technical aspects of web hosting. Most resellers simply forward software, hardware and connectivity problems to the data center. However, they have to deal with other problems that their customers might experience.

Reseller hosting is suitable for small blogs and online businesses. Websites that receive high volumes of traffic shouldn’t opt for a reseller plan, simply because a reseller cannot give you more disk space or data transfer than what he has purchased. And because they host numerous websites, they will be forced to turn your site off if it consumes more resources than they can afford.

Impact of Technology on Business

Together with the advancement of science and technology, technological innovations grew along with it, resulting to the emergence of new equipment and gadgets. No matter how big or small your company is, technology brings both intangible and tangible benefits to become cost efficient and to meet the growing demands and needs of customers. Technological innovations affect corporate efficiency, culture and relationship among employees, clients, suppliers and customers. The type and quality of technology used affect the security of confidential business information.

Due to the burden brought by administrative tasks, like inventory, bookkeeping and records keeping, both big and small companies rely on computers to do their administrative works. The birth of Internet and online social networking sites tremendously decreased the costs of business operations. It also makes it easier for companies to use the Six Sigma management methodologies. Some firms shifted to outsourcing instead of hiring their own personnel due to the low costs associated with it. Because of the huge impact of technological innovations to companies, it is impossible for them to live with it.

Commonly used high technology equipment:

  • Computers
  • Photocopier
  • Telephone
  • Computer printer
  • Internet
  • Paper shredder
  • Multimedia projector
  • Touch screen monitors
  • Computer mouse
  • Laptop computers

Advantages of Technology to Business:

  • Customer Relations. Technology affects the way companies communicate and establish relations with their clients. In a fast moving and business environment, it is vital for them to interact with clients regularly and quickly to gain their trust and to obtain customer loyalty. With the use of Internet and online social networks, firms interact with consumers and answer all their queries about the product. Establishing effective communication with customers not only creates rapport with them, but it also creates strong public image. It allows business enterprises to reduce and to cut carbon dioxide emissions.
  • Business Operations. With the use of technological innovations, business owners and entrepreneur understand their cash flow better, how to manage their storage costs well and enables you to save time and money.
  • Corporate Culture. Technology lets employees communicate and interact with other employees in other countries. It establishes clique and prevents social tensions from arising.
  • Security. Modern security equipment enables companies to protect their financial data, confidential business information and decisions.
  • Research Opportunities. It provides a venue to conduct studies to keep themselves ahead of competitors. It allows companies to virtually travel into unknown markets.
  • Corporate Reports. With technology, business enterprises communicate effectively with their branch offices to deliver quality financial and operational reports.
  • Industrial Productivity. Through the use of business software programs or software packages, it automated traditional manufacturing process, reduces labor costs and enhances manufacturing productivity. It enables companies to increase efficiency and production output.
  • Business mobility. Technological innovations improved companies’ sales, services, shorted lead time on receiving and delivering goods and services. Enables them to penetrate multiple markets at least costs.
  • Research capacity. It enables them to conduct studies on various companies to gain knowledge on the new trends in the market and way on avoiding them.