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.

Internet Marketing Vs Traditional Marketing – Can I Abandon Traditional Marketing?

This is a common question raised by novices in Internet marketing. Actually, it reflects a misunderstanding of the whole concept of Internet marketing. Because of its reliably novel stage, there is a mystique attached to the concept by newcomers and so the question: If I go for Internet marketing, should I abandon traditional marketing (as if one should now exclude the other)?

My simple answer is – why would you? Internet marketing and traditional marketing should complement each other. The Internet simply allows you to extend your reach beyond the current confines of your traditional marketing system such that areas in the world that were previously beyond your reach can now be accessed through the Internet.

To better appreciate that, it would be helpful to know what Internet marketing actually is. In a nutshell, it means putting up a website where you can display the product or service you are selling, and then encouraging people to drop by your site so that you can have buyers or customers. Everything else you will encounter in Internet marketing, including what may initially appear to you as highfalutin terms – like search engine optimization, search engine submission, reciprocal linking, keyword research – are nothing more than part of Internet marketing strategies to bring people to your website so that you will have the chance of making a sale. Without people finding out your website, you will never succeed in Internet marketing.

To better visualize this, consider the example of putting up a store in the physical world. Your store is located in a vast empty prairie. How are you ever make any sale if there are no people around? No matter how good your products or services are, if you have no passers by, if people can not locate you, you're finished. You have a choice of absolutely shutting down the store – or start an aggressive marketing campaign so that people will get to know about the existence of your store. And if you are successful in enticing them, people may start flocking to you to patronize your merchandise. Your strategies may occasionally include distributing leaflets announcing your store, putting up giant air balloons where from a distance, people will spot you, advertising on mass media, an so on.

The same thing happens to a business website – your virtual store in the Internet. Much like that solitary store in the prairie, all business websites initially exist in a much much vaster cyberspace prairie where no one will find you unless you now adopt and implement the well known Internet marketing strategies. But here's the exciting part – the analogy between the physical store and the business website (your Internet store) ends when it comes to their probable reach for potential customers. In that example of a physical store, how far can you reach out physically to attract customers? Realistically, even with a massive advertising campaign, you will most likely attract only people who are living within your immediate locality. Maybe a radius of fifty kilometers is good enough. Beyond that distance, people will find it impractical to still go to your store to buy anything. But not so in the Internet marketing model. You can be in the middle of the Sahara but your website can be found and access by anyone all over the world where you have Internet connection and where people will need your product or service! That's how massive you can get in Internet marketing!

Now, going back to the question – should you then abandon traditional marketing? That question sounds to me like coming from someone who's using a cellphone for the first time and who, in excitement about the power of the new gadget requests – will I now abandon face to face encounters and just talk with everyone through my cellphone? Of course not! Use your cellphone to get in touch with people who are not physically in your vicinity. But for people who are around you, there is nothing wrong with talking with them directly in person. In fact, that might even be preferred.

Instead of abandoning one system in favor of another, I suggest you combine Internet marketing with your traditional marketing skills. You could build an awesome marketing network that way!

What Are the Graphic Design Career Options?

Graphic designers have a wealth of new opportunities opening up in the workplace. The importance of web usage in business today has put virtually every operating concern in need of some sort of employee or consultant who can assemble a good graphics and / or multimedia driven web page.

Career oriented graphics designers today need a bachelor's degree. It is required for most entry level jobs. Graphic designers bring creativity and imagination to their work, but they must also bring a mastery of the tools, and those tools include sophisticated software programs and computer techniques as well as paper and drawing utensils. Computers are use to generate images, animation and multimedia presentations. It takes a lot of study to master the programs in use today and to keep up with the constant changes in graphic design technology.

There are several major business functions that require the services – and sometimes the leadership – of a graphics designer. In general, the use of graphics and multimedia is only expanding as more communications options are brought into the marketplace, such as the social networks and now the rapidly improving platforms for mobile devices.

Graphics design is at the heart of every advertising agency's products. It is one of the principal job sources for graphics professionals. Sometimes a graphics designer comes up with a design for an ad, but often the designer is also responsible for color, animation if needed, sound, shading and other effects. For ad campaigns, an account manager may want storyboards for presentation of an ad campaign's conceptualization and it is the graphic designer's job to prepare those, either on paper or as a digital slide show.

Graphic designers are also the anchor talent in many web development and design businesses . It is in this environment that the importance of understanding computer software for multimedia use becomes crucial. Web sites have become critical to all types of businesses, from small retailers to major corporations. Web presentations may include sketches and well lit photographs, or elaborate video presentations, or anything in between.

The video game business uses graphic artists and multimedia professionals in game development. In these environments, a graphic designer may work with a computer programmer on an animation scene and focus on such issues as shading, character movement and simulated lighting in the scene.

Over twenty five percent of all graphic designers are self employed . People who contract out their services may work for advocates who need graphic presentations, for publishing houses, for real estate firms, for fashion designers, for architectural forms or for sign companies . These are a few examples of businesses that occasionally need the services of a graphics designer. Many professionals become specialists in one business sector or another; and build a clientele based on recommendations.

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!