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.

Three Benefits of Private High Schools

Are you a parent who children are getting ready for a new school year? Are you troubled by the prospect of sending them to a public institution? If so, then it might be beneficial for you to consider sending them to one of the private high schools in your area. There are several benefits to this type of education. First, these institutions are generally better funded than their public counterparts, they employ high quality teachers, and they are free from any outside political influence. For all of these reasons, they make an excellent option for your children's education.

When it comes to funding, private high schools generally do much better than public institutions. While they may be more expensive, this is more than made up for the quality of their facilities and the resources that they make available for students. The educational opportunities that they offer are greatly enhanced due to the availability of quality textbooks, scientific equipment, and classroom technology. So, if you are looking to equip your children with as many resources as possible, these institutions hold a definite advantage.

You will also be very pleased with the quality teachers that private high schools employ. In general, these institutions offer higher wages for their teachers, and, as a result, they are able to attract more candidates for their positions. This results in the acquisition of extremely well qualified instructors who are able to offer some of the very best educational opportunities to your children.

Finally, private high schools are also free of some of the outside political influences that public institutions have. Since public institutions operate on government money, they are accountable to the local politicians. In recent years, the political environment has changed dramatically, and this has been resolved in a decrease in funding to educational programs. As a result, the expectations for public institutions have changed dramatically, and much of the public curriculum is focused on answering the political demands that are being made. This leads to educational institutions that are focused on meeting certain quantifiable outcomes rather than offering a quality education. This problem can be avoided by choosing a non-public institution.

Overall, private high schools offer several advantages over their public counterparts. So, it is important that you take these into consideration when deciding where to send your children as they may offer a much better option for your student's education. You will surely be grateful for the opportunities that they afford.

Homeschooling Young Children? Here Are 5 Key Benefits to Adding a Good Art Program

Homeschooling your children? I assume this means you want the best for your kids. An opportunity to give your children a rich multi sensory, personalized type of education ……… Is art included in your curriculum?

If you want the best type of education for your children then ART must be included in your day to day curricular activities

When I say good art I am not talking about the standard traditional arts and crafts that is done in so many preschool and kindergarten classes all over the world. That may be something you do with your kids on a spur of the moment thought when a Holiday is coming up, or you need to make something for Grandma.

But that's not what I'm talking about.

Nope, you left that. You left that along with the traditional world of education because you wanted something better for your kids, something that they cant get in most traditional classes with upwards of 20 kids …..

You probably spend quite a bit of time looking for curriculum on line for your homeschooling curriculum and that's great because you get to choose what and how your kids will be learning.

You do not even realize how necessary and valuable it is for your kids to make sure that there is a solid art program being integrated with the rest of your homeschooling curriculum.

Many parents have some kind of vague ideas about why we give our kids art and some of its benefits.

Oftentimes traditional preschool teachers have just as vague ideas and below are some of the reasons I've heard from some traditional educators, preschool teachers as to why they give their students arts and crafts

  1. They need the children to remember their lessons and figure that an art project will help them do that
  2. They want them to learn to follow directions so they give them step by step directions on how to follow cookie cutter art projects
  3. They need to fill up time in the day, so what better way than an art project
  4. They claim that this is what the Mothers want

So tell me Moms, you are some of the mothers they are talking about (well maybe you're not actually really not since your kids are being schooled) but is this really what you want?

Do you want your kids to follow cookie cutter instructions that turn them into little robots for them to make projects that look exactly like everyone elses?

No! I did not think so.

But I do think that you may not know any alternatives and in working so hard trying to put together some good homeschooling curriculum for your children sometimes art gets lost in the shuffle and that's too bad.

That's too bad because art gives adds such depth to any curriculum that it would be a crying shame when you have the opportunity at home to give such great activities to have your children lose out on these experiences.

Art is not only fun, it's lifesaving and life building and I would like to share with you 5 reasons for you to include really good art into your homeschooling curriculum

  1. Art helps build physical coordination. Art is good for both gross motor coordination and fine motor coordination. Gross motor coordination, the development of large muscle is not only helped by things like ball playing and beam balancing but young children also use their arms during art with wide sweeping movements ans they paint and draw that help build those large muscle. Of course fine motor coordination is better understood as benefit ted from art .. Cutting, gluing, painting, drawing. Your child's small fingers are developing each time they use these art tools
  2. Emotional development – There is no question that art can help a child through many difficult emotional experiences. If a child is jealous of a new baby sibling, she or he can pound on some clay and color furiously instead of pounding on the baby herself. Children also end to use art to work through issues that bother them such as a death in the family, a fire or other disturbing event. (I once taught little girl who had a fire in her home and for weeks that's all she talked and drew and painted about until she calmed down.)
  3. Intellectual development (often known as cognitive development). Children learn to make sense of their world as they use art to count, classify, sort, make their own decisions and learn to follow directions without doing cookie cutter art.
  4. Creativity … Of course children's creativity takes a flying leap if they are allowed to do art that allows them to create at their own level, which allows them to be creative in more ways than one
  5. Integrating curriculum And last but not least art in a home school curriculum can help integrate the curriculum and help them learn. Children learn best through their senses and the more art is integrated with the homeschooling curriculum the more their learning will stay with them.

Driver Education Games

Driver education games are fun and informative and a good practice ground for students. While playing games, students are able to test their driving skill and knowledge and also find out where their weak points are. The games are useful because the students learn proper driving methods and techniques without actually putting themselves in arms way.

There are two types of games that can be played – one is the simple quiz game that test driving knowledge. Students can choose from a series of quizzes on various topics. This is a challenging way to test what students have learned in the driver education program, and it also prepare them for their driver tests.

Each question comes with multiple choices, and students will be given their score along with the correct answers at the end of the game. There are plenty of website where students can register for these quizzes and get results instantly.

Video games and simulation is another driver's education activity. These games put students behind the wheel. By using certain controls, they can drive the car and progress to different levels. Scoring a certain amount of points allows the student to move on to the next level until the highest level is reached. At the same time, students can easily lose the game if they make mistakes. The graphics are very realistic and the games can be quite challenging. Video games are so much fun that parents play with their kids and see how well their children have grasped the concepts of driving. These games include stopping at signals, changing lanes, making turns, recognizing road signs, parallel parking, merging with traffic, parking and backing out of a parking space and so on.

In virtual driving simulation games students can practice driving in a virtual environment. Sitting behind the wheel, players must make their way through busy streets, highways and intersections and make real decisions. This is an excellent way for students to practice and prepare for their driver's test.