O Neill Yachts

A vacationers guide to deep

admin — Tue, 27 Dec 2011 22:52:02 +0000

When setting up a Deep Sea fishing trip off the Florida Coast there are a few things you need to know and do to get started. First, you need to locate a Charter company who will take you to a spot they think the fish are so you can have a successful and fun trip. Each Charter has different rates depending on the duration of the trip. Most have full day trips being as they want to give you the best chances of catching a great fish. Some companies can take out smaller groups resulting in more personalized assistance and usually a better experience. Also the smaller boats are some times cheaper but not always as they can vary due the actually boat itself. The nicer, newer, faster and more technologically advanced charters will usually run more than the older, slower less modern boats. One thing not to look past though is the companies credentials. The company you choose should be a registered charter company and have boating insurance long with all the necessary licenses. So to make the final decision on your charter of choice, go for the ones who have all the right credentials, and the ones that have the better set-up for your goals. If you want to be able to have the best chance of catching fish, the faster and newer boats will be able to provide this. But if you are looking for those old classic charter companies with the old reputation of knowing the fish you can go for the less modern and older charters. Remember it is these peoples jobs to catch fish so they have to have great knowledge of where, when and how the fish they target feed and how to catch them. Any charter can be better than any other at any given time because it all depends on who catches fish and everyone gets skunked some days. Just remember to bring your wallet because no matter which company you choose, it will be expensive but well worth it. When you find a charter, it is important to show up extra early in order to beat the crowd and settle in. I know firsthand how bad it is to show up just as the boat is leaving and it is not something you want to experience. All Charters provide the necessary equipment to catch the fish of a lifetime so all you need to bring is a cooler of beverages and snacks. Trust me, the fish you are after live a ways from civilization. The possible fish you can catch are: Sharks, Marlins, Wahoo, Sailfish, Tunafish, Swordfish, Kingfish, Tarpon, Snapper, Dolphin (aka Mahi Mahi) and Groupers. All fun to catch, the largest and most thrilling fish to land are the Sharks, Wahoo, Marlins, Tunafish, Swordfish and sometimes Groupers depending on their size. Once you hook into that giant 600 lb. Marlin, the crew of the Charter will be standing by to assist you in landing the fish; so don’t worry, you will not be dragged down into the deep. When all is said and done, you will leave the adventure with many things such as your hard earned Florida sunburn, great stories to tell your friends of how big the fish actually was and best of all a new addiction to the greatest sport of all time, fishing.

Analyze The Costs Before You Buy A Boat

admin — Sun, 25 Dec 2011 17:52:48 +0000

Owning a boat costs much more over time than the actual purchase and the fuel to run the boat. There are two types of costs associated with owning a boat: one-time costs like the actual purchase, titling and outfitting of the boat and ongoing costs like fuel, insurance, maintenance and docking.

When you purchase a boat, the first decision is to buy new or used. Used boats obviously cost less but may have fewer features and more wear than a new boat. Additionally, new boats often come with warranties. Buying a boat is similar to buying a car and shopping around for the best deal and the best financing can save you a lot of money up front. If you’re buying a new boat, dealers often charge a “commissioning” fee to cover the installation of any special equipment, tuning the engine and other post-purchase items. You will also have to pay sales tax and some states have a personal property tax that must be paid on boats over a certain size.

Most boat owners a responsible about budgeting for the initial purchase and outfitting of their boats, but underestimate the ongoing costs, which are the bulk of the costs of owning a boat. Insurance is the most important of these costs and the most complex. Getting quotes from several companies will ensure you get the best rate. Also, agents that specialize in boat insurance will be able to help you understand any language specific to boats that you may not be familiar with.

Dockage is another ongoing cost, unless you are lucky enough to own waterfront property. Slip fees vary by size and amenities offered. For example, in San Diego a slip with water and electricity for a 32-foot boat costs around $300 per month. Many boat owners also do not realize that if they want to tie up at a different marina or dock than their own that there may be a docking fee.

Maintenance is such a persistent ongoing cost that it has become almost a joke among boat owners. Before you purchase your boat, you should study the owner’s manual and the manufacturer’s website to get an accurate idea of yearly maintenance costs. Maintenance costs include more than just engine maintenance. Consider the costs of replacing sun-faded fabric, hull painting and sail replacement as well.

Finally, you need to estimate gas costs. Many a novice boat owner has been tripped up by assuming that gasoline costs the same at a marina as it does at the gas station. However, gas costs are marinas are significantly higher than at the gas pump. Visit a few marinas to get a sense of what boat gas actually costs.

Biography: Edward Brooke

admin — Thu, 22 Dec 2011 01:38:54 +0000

No he’s not the marine insurance specialist that quotes insurance and deals with proposals, As a matter of fact the proposals he deals with are in the Senate. A Prestigious member of the republican party. He is a Washington born Massachusetts Senator and Howard University graduate which he got accepted into when he was 16 years old. He earned a Bachelor of Science degree in sociology. Spent years in active military service where he achieved the rank of captain and was awarded a Bronze star.

A vigorous prosecutor of organized crime when he served as attorney general of Massachusetts. The first African-American senator since the Reconstruction and the first and only senator to be re-elected by popular vote. He was on the President’s Commission on Civil Disorders which investigated causes of riots in America.Through this, he made recommendations that took shape as the Civil Rights Act. He was also the first senator to call for Nixon’s resignation. Upon leaving the senate, he headed the National Low-income Housing Coalition. Author of “The Challenge of Change.” Recipient of the Presidential Medal of Freedom from President George W. Bush.

The first African-American to be elected as State Attorney General.

He was discredited for his deceit in his finances and divorce, he was criticized for being too liberal by conservatives, and too conservative by liberals.

Bio. generated from excerpts from these sites:

http://www.answers.com/topic/e dward-brooke

http://www.medaloffreedom.com/ EdwardBrooke.htm

http://www.infoplease.com/ce6/ people/A0809073.html

http://www.thehistorymakers.co m/biography/biography.asp?bioi ndex=482&category=politicalMak ers

http://bioguide.congress.gov/s cripts/biodisplay.pl?index=B00 0871

Flowers In The Arts

admin — Sat, 17 Dec 2011 15:44:19 +0000

The delicate beauty of flowers has long inspired the works of writers, musicians, and artists alike. One such example of this is the series of paintings created by famous artist Vincent Van Gogh, titled “Sunflowers”.

Among this collection are three nearly identical paintings of fifteen sunflowers, followed by two equally identical paintings of twelve sunflowers. These five paintings were done while he was living in Arles, a city located in the south of France, in August of 1888. The later similar paintings were done early in the following year.

The first of the paintings was created to serve as decoration in his friend Paul Gauguin’s home. Thus began the Sunflower series. The paintings depict sunflowers in all stages of life, from early bloom to nearly the end of the flower’s existence, where the petals are depicted as wilting away.

These paintings were unique at the time because of their vivid yellow color. New pigments had just been invented which made the coloring possible. The brightness of the flowers was something that people hadn’t seen, and thus made the paintings immediately valuable.

Van Gogh, in a letter he wrote to his brother, explained, “The sunflower is mine in a way.” He was speaking of the true uniqueness and innovation of the appearance of the painting relative to other paintings he and his contemporaries had done.

In March 1987, the true worth of these paintings was displayed when Japanese insurance magnate Yasuo Goto paid nearly $40 million for one of the paintings in the series. This was a new record for Van Gogh paintings. At the time, he may have made the purchase for himself or for the company he owned, which was called the Yasuda Fire and marine insurance company of Japan. Either way, the painting now rests in the Seiji Togo Yasuda Memorial Museum of Modern Art in Tokyo. Following the purchase was a brief scandal in which the painting was suspected to be a forgery; however, it was concluded to be genuine.

Van Gogh was struck by the inherent beauty in these simple flowers. He was inspired by their hope in the first bloom and their honesty in their wilting death. He was not alone in that opinion; his work was followed by many similar paintings. Even in modern contemporary art, we find a vast majority of still life paintings to be inspired by flowers in various stages of life and death.

Motor Boat Insurance Basics

admin — Sun, 11 Dec 2011 13:16:07 +0000

Sailing off into the blue yonder, has the salutary effect of blowing cares and stresses away with the winds. However, before you sail away in your new boat, consider the merits of these questions. Do you have boat insurance? Moreover, are your insurance needs fully met?

marine insurance defines vessels according certain measurements. A boat is defined as one measured between 16 feet and 25 feet, 11 inches in length. If that’s the length and width of your seaworthy vessel, then you have a boat.

Here are the pertinent components your boat insurance policy should have:

Physical Damage Coverage

The insurer pays you for the repair or replacement of your boat, under the following circumstances: Theft, vandalism, lightning, fire, tornadoes, or hurricanes. Included in this coverage is the boat itself, outboard motors, engines, and your boat trailer.

Excluded from the coverage are the following items, which are not, considered a part of your boat’s operations: camera or video equipment, clothing, fashion accessories, or jewelries, food or beverages, cell phones, stereo equipment, portable television, personal computers or scuba gear. Alternatively, you can ask for separate coverage for these items.

Tip. Read the fine print and so that you know what restrictions could apply to your coverage. Can your boat be stored at your place of residence? Alternatively, should the boat be at your vacation spot? Where does the coverage begin? Some policies specifically limit the uses of your boat and list the exceptions.

Liability Coverage

You’ll find this coverage quite useful. You may also wish you‘d paid a bigger premium, when there’s an accident and your boat is liable for damaging another boat, property, or injury.

Uninsured Boat Coverage

This is the marine insurance equivalent of the road vehicle’s uninsured motorist coverage. In this case, your boat’s repairs are covered, in the event the owner of the property your boat collided with has expired insurance or worse, doesn’t have it.

Passenger Medical Coverage

This coverage pays for the medical expenses incurred by people on your boat. This is a must-have clause and the limit can be inexpensive, from $450.00 to $10,000.00, is quite common.

Towing & Assistance Coverage

With this coverage, you’ll get reimbursement for the costs you’ve incurred for availing of emergency services. Examples of these, your vessel breaks down, and a commercial outfit tows your vessel to the port, you’ve paid for delivery to replace your fuel, oil, or engine parts, or for someone to repair your engine.

The bottom line to all this? Be pro-active and arm yourself with knowledge, which among the different policies possible, your boat insurance should have.

Then, you’ll sail confidently into the sun, because your insurance policy will cover you where it’s most necessary.

Insurance: The right of subrogation explained

admin — Wed, 07 Dec 2011 09:12:26 +0000

Lord Cairns, In Simpson VS Thompson, defined subrogation as :"A right founded on the well-known principle of law that where one person has agreed to indemnify another he will, on making good the indemnity, be entitled to succeed to all the ways and means by which

the person indemnified might have protected himself against or reimbursed himself for the loss".

The doctrine of subrogation is a corollory to the principle of indemnity and as such applies to only fire and marine insurances. According to the principle of indemnity the insured can recover only the actual amount of loss caused by the peril insured against and cannot be allowed to benefit more than the loss suffered by him. In case the loss to the property insured has arisen by chance without any fault on anybody’s part, the insured can make the claim against the insurer only. In case the loss has arisen out of tort or mischief by some third party, the insured becomes entitled to proceed against both the insurer as well as the wrongdoer. But since the contract of insurance is a contract of indemnity, the insured cannot be allowed to recover from both and thereby make a profit fron his insurance claim. He can make the claim against either the insurer or the wrongdoer. If the insured elects to be indemnified by the insurer, the doctrine of subrogation comes into play and as a result the insurer shall be subrogated to all the rights and remedies of the insured, against third parties in respect of the property destroyed or damaged.

Thereon, the insurer after indemnifying the insured for his loss in full, steps into the shoes of the insured and is subrogated to all the alternative rights and remedies which the insured has against the third persons, until he (the insurer) recoups the amount he has paid under the policy. In case something more is recovered under subrogation rights the excess shall belong to the policy-holder because the insured is entitled to the assured rights in respect of the subject matter insured, insofar as he has indemnified the assured.

The following points are worth noting in connection with the doctrine of subrogation:

1. This doctrine will not apply until the insured has recoverd the full indemnity in respect of his loss from the insurer.If the amount of the insurance claim is less than actual loss suffered, the assured can keep the compensation amount received from any third party with himself to the extent of deficiency, and if after full indemnification there remains some surplus he will hold it in trust for the insurer, to the extent the insurer has paid under insurance policy.

2. The insured should provide all such facilities to the insurer which may be required by the insurer for enforcing his rights against third aprties. Any action taken by the insurer is generally in the name of the insured , but the cost is to be borne by the insurer.

3. The insurer gets only such rights which are available to the insured. He gets no rights superior than the assured . As such the insurer can recover under this doctrine, only that which the assured could himself have recovered.

Searching for Selective Boat Insurance Policy

admin — Sat, 03 Dec 2011 19:04:37 +0000

There are various types of insurance policies available to get the coverage according to the usages. You must have to select the policy after consulting the insurance adviser or agent to give suggestion of the policy based on your usage. There are many other factors responsible for the insurance are your budget, types of coverage, condition of the boat etc. Apart from the normal policy many additional coverage given by the insurance company to secure the boat from the possible threats. There are different types of coverage available, which includes physical damage, liability, and medical coverage etc.

The policy gives protection against boat, motor, equipments and trailer. You get coverage at the time of induction, boating, hauling. The physical policy will protect you from various threats like fire, theft, damage, cyclone, sleet, lightening, and explosion etc. If your boat operated by authorized third person, it will also cover under the physical policy. If you need any emergency services the physical damage policy give you coverage for towing, repair while breakdown. If you get physical damage the policy give you 5 percent of physical damage. The policy gives you boat equipment coverage 10 percent. If you need to repair the boat it will also give coverage limited losses. Finally you are free to select the deductibles as per your need.

The liability coverage provides liability coming out of the boat ownership. The liability coverage gives protection if boat owner or member of the family injured any third person in the accident. In all state, the liability policy gives coverage if your boat cullied and damages some other boat.

The medical insurance give protection against the require medical expenses in case of injury occurs due to accident. Under medical insurance the boat owner and passengers are covered.

The Lowdown on Boat Insurance

admin — Fri, 02 Dec 2011 20:21:02 +0000

So you have spotted your dreamboat, it is the one you absolutely must have. Once you have purchased your boat you will definitely want to consider boat insurance. While I’m sure you’re aware that boat insurance exists, however, you may not be aware that there are various types of boat insurances available to you.

Most states make the standard boat insurance a requirement, it is important to abide by the law and obtain boat insurance immediately. Obtaining the minimum coverage will not only satisfy the law, but provide you and any passengers’ protection as well. The standard insurance policy will offer coverage of any damage that may arise that is a direct result of actions on the boat. This is true no matter if the damage occurs while in transport or actually on the water.

Another additional type of coverage to the standard liability coverage is the wreck removal and pollution coverage. If your boat sinks or is involved in an accident for any reason, you are, by law, responsible for the removal of the boat at once. If any type of fuel spills into the water as a result of an accident, you will be held responsible, which may include a monetary sanction against you. The wreck removal and pollution coverage provides coverage for this type of incident, without the coverage you will be required to pay for the removal and fines out of your own pocket.

Sometimes other additional coverage will be available to you, such as coverage for theft, vandalism, collision and other damages that could occur by acts of god. You should speak with an insurance agent and find out what types of boat insurance coverage is available to you.

Basics of boaters insurance – Part 1

admin — Thu, 24 Nov 2011 18:40:24 +0000

If you’ve got a boat, read this article! Not as well known as car and medical insurance, boater’s insurance is very important for those who get around nautically. So what is boater’s insurance? Read on…

Boater’s insurance is pretty much just like car insurance. It can be purchased for all kinds of watercraft and covers damage done to the boat and the machinery thereon. However, one interesting limit to most boater’s insurance is that most programs only cover craft up to 26 feet long. After 2 feet, the boat is considered a yacht and should be covered by yacht insurance.

Another important issue with boater’s insurance is that it does not usually cover damage or injury to passengers. Furthermore, when you sign up for an insurance program, you want to make sure that you understand the coverage. Be sure it includes fire, storm, lightning, theft and vandalism.

A final issue when it comes to boater’s insurance is that of the value of the boat. There are two ways to determine value: the actual cash value and the agreed amount value. The boat will be covered for the amount that is determined using one of these two approaches.

And there you have it. Now you know the basics of boater’s insurance. For further and more specific info, I recommend you try:

http://www.unitedmarine.net/bo at_insurance.htm

What Is The Best Boat Insurance Company?

admin — Tue, 22 Nov 2011 06:30:13 +0000

There is no right answer when someone asks which boat insurance company is the best. There are so many choices available that it is hard to determine the very best. It really all depends on what the specific needs of the person wanting to insure the boat are.

Facing the facts, there are pros and cons about every insurance company that you will deal with. After all, insurance companies are in business to make money, not to pay it out. This means that they will do anything in their power to not have to pay for claims, as this is the way they make money. If they do happen to pay for a claim then they will raise the rates on your insurance to help cover the loss or they will simply cancel the policy, whichever best suits their needs. For an insurance company to cancel a policy they have most likely determined that the policy is too much of a risk to continue to prevent any further claims. Having a policy cancelled can make it difficult to get insurance elsewhere.

BoatU.S. has been insuring boats, and only boats, since they opened in the late 1960’s. They are said to offer some of the lowest rates and best coverage depending on the craft covered. Their web site offers free instant quotes.

National Marine Underwriters is another strictly boat insurance company. They offer insurance in the 48 contiguous states with some limited territory extensions from time to time. In business since 1983, they offer lower rates and comprehensive coverage for all risk factors.

Progressive Boat, a division of Progressive Auto is one of the cheaper boat insurance companies but they are said to not offer nearly as many services and less comprehensive coverage. They do offer free online instant quotes and their staff is said to be one of the most knowledgeable and friendly groups in the business.

American Boating Association is also an option in the boat insurance world. They offer competitive rates that are comparable to Progressive Boat but they are a little shy in the services area. Free instant online quotes are available. Quotes are also available by telephone but it you should expect a long wait on the line. Their staff is professional and friendly.

To determine the best boat insurance for you then go to a site that offers multiple quotes from several different insurance companies. This will provide you with the best basic information about several companies at the same time which will save you time versus calling all the individual insurance companies.

Many sites offer guaranteed rates if you accept one of the quotes they provide but this is not a widely accepted practice. Keep in mind that insurance companies are not necessarily bound to a quote they provide. Insurance companies will want to verify all information provided to them before making a policy available for purchase. This is required to protect against insurance fraud, which is quite commonplace in this world sadly enough.