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.

Why Do We Wear Engagement Rings?

The modern Western practice of giving or breaking engagement rings is traditionally thought to have begon in 1477 when Maximilian I, Holy Roman Emperor, wave Mary of Burgundy a diamond ring as an engagement present.

Customs for engagement rings vary according to time, place, and culture. An engagement ring has historically been uncommon, and when such a gift was given, it was separate from the wedding ring. Romantic rings from the time of the Roman Empire and from as far back as 4 AD often clash the Celtic Claddagh symbol (two hands clasping a heart) and so it is thought that this was used as some symbol of love and commitment between two people.

In the United States, United Kingdom, Ireland, Canada, Australia, and many other countries, an engagement ring is worn on the fourth finger of the left hand. The tradition of wearing a ring for engagement originated from the Egyptians who believed the circle was a bond between the two people who were to be married, but was initially first practiced on the fourth finger / ring finger by the Romans, who recognized this finger to Be the beginning of the vena amoris ("vein of love"), the vein that leads to the heart. The custom in Continental Europe and other countries is to wear it on the right hand; one historical exception arose in monarchical regimes, in which a nobleman entering into morganatic marriage (a marriage in which the person, usually the woman, of lower rank stayed at the same rank instead of rising ranks) would present his left hand to receive the ring (hence the alternative term "left-handed marriage").

In other countries like Argentina, men and women each wear a ring similar to wedding bands. They are made of silver when manifesting an informal "boyfriend-girlfriend" relationship. The gold band is given to the bride when the commitment is formal and the optional diamond ring is reserved for the wedding ceremony when the groom gives it to the bride. The gold band that the groom wore during the engagement – or a new one, as some men choose not to wear them during engagement – is then given to the groom by the bride; and the bride receives both the original gold band and the new diamond at the ceremony. The bride's diamond ring is worn on top of the engagement band at the wedding and thereafter, especially at formal occasions or parties. At the wedding, the rings are swapped from the right to the left hand. In Brazil, they are always made of gold, and there is no tradition for the engagement ring. Both men and women wear the wedding band on their right hand while engaged, and, after they marry, they shift the rings to their left hands. In Nordic countries such as Finland and Norway, both men and women wear an engagement ring.

Some women's wedding rings are made into two separate pieces. One part is given to her to wear as an engagement ring when she accepts the marriage proposal and the other during the wedding ceremony.

For more information on wedding photography go to: http://www.weddingphotographerslondon.uk.com/

Traveling Tips for Severe Weather

There is a lot of forethought that goes into a trip. You think about packing, plane tickets, travel time, what to do when you arrive. However, sometimes Mother Nature can spoil even the best travel plans. Thankfully, you can take steps to prevent her spoiling the vacation you worked so hard for. Weather can impact you on every level. From what you bring, to what you buy, to what you do after you arrive, to even arriving or leaving on time. It can also affect the vehicle you rent or take around. The following are a few helpful tips you can utilize to help ensure that the elements have very little negative affect on your trip.

First and foremost, try going during the most temperate time of the year. If you plan on traveling north, try to go in the summer, or spring. If you are traveling south, fall or even winter are pretty safe bets. You can also familiarize yourself with the weather patterns of the area you are going to. If you are going to Arizona or New Mexico, check to see if its monsoon season or if there is a drought currently taking place. If you are going to a place like New York or Chicago during the winter, check the snow patterns. Some places have consistent snowfall throughout the entire winter, starting either before you expect or ending long after.

You can also pack to prepare, just in case the weather takes a turn for the worse. Normally you can buy whatever you need at your destination but a little forethought will help you avoid those unnecessary costs. Packing a heavy coat for winter states or a couple umbrellas for rainy states will go a long way in making sure you stay happy and you can spend your money on something you want rather than something you’ll end up needing.

Something else to consider is where you are staying. Make sure the hotel you are staying at is up to date and centrally located to the places you’d like to go. There are few things worse on a trip than having to spend it cooped up in four walls because a hurricane or blizzard suddenly hit. You can also rent a certain type of vehicle to help with your destination and needs. An SUV will come in handy if you are going somewhere that might have conditions that affect the road.

Finally, try and reach out to any local people in the area. They can sometimes be much more helpful than any website or television forecast. Your rental car company or hotel concierge should be able to provide you with a first-hand account of what you can expect weather-wise for your vacation. So, remember: research the area you are traveling to. Pack a light jacket, sensible shoes or a couple of ponchos. Look into your hotel location and accommodations and make sure your mode of transportation can handle most inclement weather. If you follow these simple tips, you should be ready for anything!

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.