Carmine

Boat insurance is necessary for all boat owners who live on or really value their boats. If it is something that you feel you must replace then you need to insure it. If you live on your boat it is absolutely necessary that it be insured. Who would want to lose their home?

Also most boats are financed in the beginning. The lending company will insist on insurance in those cases just as they would with a house or a car. This is not unreasonable; they have as much to lose in the financial sense as you do if anything happens to the boat.

Some areas are more dangerous than others for boaters. While some of those areas are famous or infamous 'the Bermuda Triangle' and the Dardanelles others are less well known but can be just as dangerous.

Cape Disappointment in Washington State is one of the most dangerous areas on the seas when the conditions are right (or wrong). You need to be just as prepared when you off the Pacific coast of Washington and have your boat insurance in order as you do when you are sailing from Bermuda to Florida.

While I contemplate the last half of my life; (I am getting close to that turning point) I must make some decisions as to what I want to do with my leisure years. I have many thoughts in mind but one of those options that keep coming to mind is sailing the world.

All of us need to plan for what we want. If I choose to go sailing I will need several things of those things that I will need if I do choose a boat insurance is the top of that list. I might wind up in a cabin by the woods or on a beach in the South Pacific, I am by nature a solitary person.

If that is the case I will happily spend my time sipping iced tea and spoiling my grandchildren. If I am on a boat I think I will see the Sargasso Sea and sail around the world and across the equator.

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Perfect competition is a microeconomic model, to the most common traits of which belong the following: - a large amount of small producers (sellers) of a homogenous product; - a large amount of consumers; - both consumers and producers can not influence the price on their own; - mobility of all resources; - operational costs are zero; - equilibrium price (determined by the intersection of supply and demand curves); - lack of barriers to enter or exit from the market.

Under conditions of perfect competition the price is equal to marginal revenue and, in its turn, marginal revenue is equal to marginal costs. When a company loses money, then it is time to decide whether to continue operating on the market or to shut down. In order to make a right decision it is necessary to analyze total revenue and total costs (fixed and variable). As far as the fixed costs are equal whether the company operates or shut down, variable costs are equal to variable. So if the price per product unit is less than the costs per product unit it means that total revenue (quantity of product multiplied by price) is less than total costs (fixed plus variable) and the company should shut down. Of course, if total revenue is larger than total costs the company should continue operating. When total costs are equal to total revenue it is called the shut down price and it does not matter for company whether to shut down or operate further.

In the long-run companies receive zero economic profit and thus other companies are not interested in entering the market (it means that market participants completely satisfy the demand). But if the demand suddenly increases the prices would increase too and thus new participants would enter the market until the price wont become equilibrium. In practice, perfect competition does not exist as others. This model is abstracts and describes the market in general terms. As the most common example there is used local agriculture sector: there are many producers and consumers, the price is close to equilibrium, there are not enter or exit barriers; but operating costs can not be zero because it takes time, efforts and some costs to sell the product; resources are not absolutely mobile.

I would like to introduce my own example and explain why do I think it is quite suitable one: e-trading. Trading through the Internet is very popular now there are many sellers and consumers, there is no any serious obstacles or barriers to enter or leave the market, if to take more precise example books e-trading than the product becomes quite homogenous, the price level is quite close to equilibrium and producers can not seriously influence it nor can customers, resources are quite mobile (especially information there are plenty of resources in the Internet), transaction cost are quite low (but not zero of course).

If the average price of the product, book in our case, is larger than average variable cost, costs on selling and delivering book in our case, then the company receives profit and it can be said that it operates successfully (in the long run there will occur incentives to enter the market); inside out some companies, most probably, would leave the market and may be try to sell something else.

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Finally, I would like to conclude that perfect competition is quite abstract microeconomic model, which describes market under the certain conditions (which can not be absolutely met in practice, but can be met close enough). But this model gives good economic basis for firms to think in advance about their operational activities or business decisions.

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The Seven Helpers mission is to empower the world's poorest people to lift themselves out of poverty with dignity through access to financial services and to information. With tiny loans, financial services and technology, we help the poor, mostly child, start self-sustaining businesses to escape poverty.

What is The Seven Helpers?

The Seven Helpers is a nor-profit organisation to help lot orphans in this world. We know lot child affected by natural disasters such as tsunamis, earthquakes or hurricanes.The Seven Helpers mission to Helping millions of families live longer, healthier lives could be the greatest challenge of our generation. But we can meet it. The first step is to learn all of the reasons that we should care. The next step: devoting our time, money and medical expertise to meeting the challenge.

Global Poor News

7: The cost of a bed net that will protect two people against malaria for five years

19: The price of a healthy meal for a school child in a poor country

2: The cost of a pill to treat stomach parasites in a child in Africa

$100: The price of 740 doses of measles vaccine

$25: The cost per month of treating one child who has AIDS

60: buys water purification tablets to treat 5 gallons of water.

The Seven Helpers works

The Seven Helpers friends are aid poor peoples, poor child, poor women, disability peoples of all ages and races.

To bless the children with temporary shelter which they can call Home and with lots love and care compassion, kindness and undertaking.

To Help the Children Mentally, Physically, Emotionally and Spiritually.

To overcome their bruised and abused emotions.

To develop a positive self worth through counseling and moral guidance in their lessons and to develop proper study habits.

To Motivate the children

To study well and to be somebody one day

To be a success in life

To strive for excellence in their lives

To teach the children

To have proper values and standard for life

To be good parents one day

To be good self reliant and responsible citizens

Two Lines

"You have lot of option to help poor child but they do not have any option to ask your help"

We can stand up and help them , we can see their heartful smile and happiness.

More information about orphans www.thesevenhelpers.com

Binisten, http://www.thesevenhelpers.com

Are you new to Google Adwords? Do you have any experience at all with pay per click advertising? If not, I highly recommend that you start out by reading Google Adwords articles and purchasing a Google Adwords guidebook.

There's no question about the fact that Google Adwords is one of the most efficient advertising methods on the Internet today, however, if you don't know what you're doing it would be very easy for you to lose a lot of money. This is serious business and the competition will eat you alive if you're not prepared.

There have been a handful of very good books on using Google Adwords. Adwords experts like John Keel, Perry Marshall, Howie Jacobson, Mark Widawer, etc. stepped into the Adwords arena when it was brand-new, spent a lot of their own money, and did all of the dirty work so that they can turn around and instruct others on how to use Google Adwords properly.

The main thing you need to know about Google Adwords is how to make your ads relevant, your landing pages relevant, how to properly group your keywords, how to use the Google Adwords interface properly and set up your keywords using broad match, phrase match, exact match and negative keywords within your campaigns.

Also, tracking is very important to running your Adwords campaigns or any type of pay per click campaign. You can track things down to the keyword level or the group level, but you must track.

Think about it, if you don't know where you're profitable clicks are coming from then you're wasting an enormous amount of money by paying for all of the garbage clicks too. Bottom line? If you're considering setting up a Google Adwords campaign, and don't have any personal experience with Google Adwords management, then you need to invest a few dollars in a reputable Google Adwords guidebook right away. It can save you an enormous amount of money in the long run.

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What is Cold Calling?

Network Marketing cold calling is a marketing strategy for obtaining new prospects by calling them via phone and speaking to them directly about your products or services. Cold calling is a way of introducing yourself, your company, your service or product to others. According to Wikipedia, cold calling is the process of approaching prospective clients, typically via telephone, who have not agreed to such an interaction. This form of marketing is tough whether it's on the phone, in person or at a networking event. It is an aggressive tactic that demands initiative and perseverance. Cold calling is disliked, particularly by individual consumers, and is an inefficient way of selling, as the take-up rate is very low. Marketing in this fashion is the most universally despised aspect of sales.

What Are You Saying When Cold Calling?

By making cold calls, youre saying: you simply dont value time (theirs or your own), youve done no research to know anything about the individual prospect and you naively think your solution is for everyone or your product works everywhere - it does not. Most people hate calling unsuspecting individuals and there is a cottage industry of people making a profit by selling ideas on how to generate business without cold calling. Combine the discomfort and awkwardness of making an unsolicited phone call to a complete stranger with and you can get a pretty stressful experience. Usually you will face rejection.

Effective Cold Calling?

Cold calls can be used to obtain quality sales leads, references, and testimonials. Effective cold calling is suppose to result in good sales leads for your business. However, I have found that leads generated by cold calling are on average between 2 to 4 times more expensive than a company or sales rep can generate via the Internet. Cold-called leads are the least qualified, and theyre the ones most likely to die in the pipeline. There are better ways to get prospects and increase your sales. Whats more, the cold call leads seemed to be less qualified than leads generated by other means, for example the Internet. Even though the Internet leads were smaller opportunities and they closed faster and more often. Thus, in the short term the web leads closed better and seemed more effective.

Use The Power of the Internet

Cold calling prospects is dead in todays economy and is an expensive waste of your time. So why would anyone put themselves through the agony of making cold calls when there are other alternatives such as the Internet? Cold calling is not the most efficient way of recruiting prospects in your MLM. The primary argument is that cold calling is a time consuming prospecting technique that has seen its day and in our modern age, todays technology gives sales professionals new and better approaches to finding prospects to sell.

Take it from me stop wasting your time with cold calling and use Internet marketing to get qualified leads and referrals. Aside from a waste of time, cold calling is an ineffective, obsolete sales technique that has no place in today's Internet-based economy. I think this new era of young entrepreneurship has ushered in a new way of communicating and reaching out to clients and cold calling is out and the Internet is in.

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The city of Anchorage was originally laid out by city planners in the year 1914 and it was originally intended to be a railway construction port for the Alaska railroad. During the initial period, the citys economy was dependent on the railroad for its survival and growth. However, between the 1930s and 1950s the city saw a surge in air transportation. The Merrill Field opened in the year 1930 and Anchorage International Airport opened in the year 1951. With the construction of Elmendorf Air Base and the Fort Richardson in the early 1940s, the citys importance as a military base increased manifold.

The city was hit by a massive earthquake on March 27th 1964 that had a magnitude of about 9.2 on the Richter scale that claimed the lives of 115 citizens.

The citys fledgling economy received a massive boost in 1968 when oil was discovered in Prudhoe Bay. In the year of 1975 the Anchorage was merged with Girdwood, Eagle River, Glen Alps and many other communities. This merger expanded the city which is now officially known as Municipality of Anchorage.

People of Anchorage enjoy short cool summers- the average daytime temperatures in the summer range from 55-78 degrees of Fahrenheit. However, average daytime temperature in the winters can drop down as low as 5 degree Fahrenheit. The city gets a fair amount of snowfall in the winter, and it may range from several feet of snow to just two or three feet that gives rise to accident prone conditions in the streets.

According to the 2000 census the city has a population of about 260,283 and the population of the Anchorage Municipality comprises forty percent of Alaskas total population. This city is ethnically diverse and has a harmonious blend of different cultures- the majority being the white followed by the native Alaskans and a few other ethnic groups.

There are total 94,822 households in this big city and the houses are moderately priced. Anchorage is a major port city that receives about 95% of all major freight supplies entering the city. In addition to this, the city is also a major railroad hub. Major industries include Petroleum and Tourism- nearly every tourist must pass through Anchorage at some stage of their journey in Alaska. Summer is a busy tourist season and the city becomes crowded with tourists during this period.

The city is well connected to the rest of the world via air, railroads and the sea. The city is just six miles away from the Ted Stevens Anchorage International Airport, and is served by several well known airlines. The city is also well connected by efficient rail services and bus lines. Various freeways crisscross the city connecting to distant parts of Alaska.

The city provides great housing options with homes that suit all kinds of pockets. The real estate industry has witnessed a big surge in the prices and the land prices are expected to rise by the end of this year.

If you plan to get your dream home in this city, do not waste any more time and get in touch with the local real estate agents to make your dream come true. Additionally, be sure to speak with a mortgage professional to ensure that you are looking for homes that you can afford!

MyRefi.com offers an extensive amount of Anchorage AK Real Estate information. Search for Anchorage Borough AK Real Estate or get preapproved for a Alaska Mortgage today!

What is stopping you from enthusiastically living your life?

Here you are in the middle of this massive adventure called life, with the possibility of having tremendous success and enjoying wealth, health, wonderful relationships, and the fulfillment of your talents, yet somehow you seem to have run out of joy.

Looking back, it seems as if you can't really think of ever having lived as if it were an adventure. There may have been pockets of spontaneous outbursts and creative expression, but they seem few and far between. If you're like most people, much of your life has been spent in stress, strain, and struggle.

The bad news is that with each passing day, you're running out of time.

The only way you're going to ever feel enthusiastic about your life and start feeling the fullness of life itself is by taking back your power.

You have to stop your world and take a look at it.

Since your thoughts create your life, a good place to start would be by examining your thoughts. Have you been busy describing your life rather than deliberately creating it? Most people spend much of their time describing all their experiences as if they were trying to solve a problem. This is a huge psychic drain. Only when you are creating, rather than rehashing, can you excite your mind to produce better outcomes.

How many times have you said, "Yes, I can do it!" How many times have you said, "Yes, this is what I will be, do, and have." How many times have you said, "Yes, I will learn what I need to learn to master this particular challenge."

If you have said this frequently, then your life has an enviable momentum to it and others watch you in amazement. But if you have not followed an affirmative way of living in the world, you have been steadily losing your power to be, do, and have what you want.

Your thoughts create your life and if you are not thinking affirmative thoughts, chances are that you are busy giving away your power to other people, circumstances, or your own past mishaps. With this self-generating psychic energy drain, is it really a mystery that you are low on life-force and feel that life is sometimes to much to deal with?

Do you realize that there is a massive conspiracy to undermine your personal power? Since infancy you have been told that you are not good enough. Every cultural institution wants you to conform to their ideas of what you should be, do, and have. You can see that economic, religious, political, and even police and military forces have worked hard to make you feel less than capable.

Yet, this is a lie. And by buying into this lie, you have given away your power.

The truth is that you are the creator of your own reality, and by affirming what you want to be, do, and have, these things start showing up for you.

People do not affirm their reality because they are reacting to what is before them, which is usually some form of coercion to perform according to somebody else's idea of what is good for them.

Fortunately for human evolution, there are those who chose to affirm their own reality over the collective viewpoint. Thus, artists and scientists, thinkers and philosophers push the envelope, disagree with the collective will, and create new realities.

Albert Einstein did not agree with Newtonian physics and envisioned a whole new view of the universe. Mahatma Gandhi did not agree with the imperial vision of colonialism and inspired a free nation. Martin Luther King did not believe in the historical policy of racism and created more dignity in the world.

When the voice and the vision on the inside is greater than the opinions and influences on the outside, you will understand what it means to take back your power, and when you do, instead of feeling oppressed, you will feel the exhilaration of truly expressing yourself and creating your dreams.

Life really is far too short to keep denying your own greatness. It is vision and daring that makes it worth living. Ironically, those who decide to take back their power find doors where they expected to encounter walls.

Saleem Rana would love to share his inspiring ideas with you. Hunting everywhere for a life worth living? Discover the life of your dreams. His book Never Ever Give Up tells you how. It is offered at no cost as a way to help YOU succeed. http://www.theempoweredsoul.com/enter.html

Copyright 2004 Saleem Rana. Please feel free to pass this article on to your friends, or use it in your ezine or newsletter. It's a shareware article.