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.

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

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.

Make Money Online But Avoid Pitfalls

I think you have read the headlines … Make $ 10,000 in 30 days. In many cases, such words will be accompanied by a promotion to buy something, eg an e-book, or access to the system that will catapult your earnings beyond your wildest dreams. So the question is, are such schemes indeed true? Is it possible to make riches overnight? What should concern you right from the beginning is what the system or scheme is all about, particularly since laws of nature are clear … you can not create anything from anything. If you expect to pay $ 47 for an e-book and make $ 10,000 overnight without effort, then you have it wrong from the word go.

There are many ways to make a living online, many of them legitimate but quite a number exaggerated. However, what is comforting is that human nature is curious and therefore has the power to conduct research. A system that makes a lot of promises may indeed be legit or bogus, but with all the online tools available, it is possible to filter the wheat from the chaff. For instance, if a program offers a trial period, by all means try it out and opt out if it does not work to your satisfaction. Such systems will typically ask for a very low payment to subscribe (eg $ 1) for a trial period, and if satisfied, pay the full amount.

If you are thinking about making an online income, affiliate marketing may be your very best route because the start-up costs are low. Affiliate marketing typically involves promoting products on behalf of a reputable party who pays you a commission depending on your effort. This kind of online business can be quite rewarding especially if you know the basics of internet marketing and use them to your advantage.

The important thing with all online offers is to approach with caution, just enough to be able to gauge whether something is for real or a rip-off. Most importantly, engage in niches that interest you or you have an idea about. If you know nothing about pet dogs, you are unlikely to be successful in that niche. Similarly, if you have no clue about classic cars, you would be well advised to keep away from that field unless you are willing to put in time and effort to learn. The key words, as always, are time and effort. Those two words will never steer you wrong. Time and effort to learn, time and effort to listen to advice, and time and effort to be patient for results. If you are in the right program, progress will be slow at first, but will increase with time.