Often, an LTL shipper may realize savings by utilizing a freight broker, online marketplace or other intermediary, instead of contracting directly with a trucking company. Brokers can shop the marketplace and obtain lower rates than most smaller shippers can obtain directly. In the LTL marketplace, intermediaries typically receive 50% to 80% discounts from published rates, where a small shipper may only be offered a 5% to 30% discount by the carrier. Intermediaries are licensed by the DOT and have requirements to provide proof of insurance.
Sunday, August 29, 2010
Truckload freight
Truckload freight
In the United States, shipments larger than about 7,000 kg (15,432 lb) are typically classified as truckload (TL) freight. This is because it is more efficient and economical for a large shipment to have exclusive use of one larger trailer rather than share space on a smaller LTL trailer.
The total weight of a loaded truck (tractor and trailer, 5-axle rig) cannot exceed 36,000 kg (79,366 lb) in the United States{fact}. In ordinary circumstances, long-haul equipment will weigh about 15,000 kg (33,069 lb), leaving about 20,000 kg (44,092 lb) of freight capacity. Similarly a load is limited to the space available in the trailer, normally 48 ft (14.63 m) or 53 ft (16.15 m) long, 2.6 m (102.4 in) wide, 2.7 m (8 ft 10.3 in) high and 13 ft 6 in/4.11 m high over all.
Cargo Train
Train
Trains are capable of transporting large numbers of containers that come from shipping ports. Trains are also used for the transportation of steel, wood and coal. They are used because they can carry a large amount and generally have a direct route to the destination. Under the right circumstances, freight transport by rail is more economic and energy efficient than by road, especially when carried in bulk or over long distances.
The main disadvantage of rail freight is its lack of flexibility. For this reason, rail has lost much of the freight business to road transport. Rail freight is often subject to transshipment costs, since it must be transferred from one mode of transportation to another.
Cargo Air
Air cargo, commonly known as air freight, is collected by firms from shippers and delivered to customers. Aircrafts were first used for carrying mail as cargo in 1911. Eventually manufacturers started designing aircrafts for other types of freight as well.
There are many commercial aircrafts suitable for carrying cargo such as the Boeing 747 and the bigger An-124, which was purposely built for easy conversion into a cargo aircraft. Such large aircraft employ quick-loading containers known as Unit Load Devices (ULDs), much like containerized cargo ships. The ULDs are located in front section of the aircraft.
Monday, August 23, 2010
Insurance Tips tourist. How to protect yourself from house arrest
StrImeya opportunity in crisis to visit another country, will be doubly a shame to lose the long-awaited trip because of the unexpected problems encountered. To avoid unnecessary trouble, traveling abroad is not only familiar with the contract, provided a tour agency and learn about the customs and laws of the country visited, but also to insure against his own recognizance.
In our lives, unfortunately, can happen anything: you can get sick the day before departure, the embassy may refuse a visa. A rejection of the journey in less than two weeks before departure - this is almost a complete loss of funds spent on the ticket. And get the money in case his own recognizance with a travel agency is unlikely, even when going to court. To prevent such situations and there is an insurance program from house arrest, where the responsibility on himself takes the insurer.
Typically, the insurance contract on his own recognizance is not less than two weeks before the trip. And if in this period is an accident, ie because of certain circumstances, a tourist is not going anywhere, the insurance company makes payment. Otherwise, it returns in full the cost of stay, or keep some overhead. By the way, then, what amounts will be refunded if cancellation of the trip because of not obtaining a visa should be agreed in the contract. But in any case not be returned premiums.
In our lives, unfortunately, can happen anything: you can get sick the day before departure, the embassy may refuse a visa. A rejection of the journey in less than two weeks before departure - this is almost a complete loss of funds spent on the ticket. And get the money in case his own recognizance with a travel agency is unlikely, even when going to court. To prevent such situations and there is an insurance program from house arrest, where the responsibility on himself takes the insurer.
Typically, the insurance contract on his own recognizance is not less than two weeks before the trip. And if in this period is an accident, ie because of certain circumstances, a tourist is not going anywhere, the insurance company makes payment. Otherwise, it returns in full the cost of stay, or keep some overhead. By the way, then, what amounts will be refunded if cancellation of the trip because of not obtaining a visa should be agreed in the contract. But in any case not be returned premiums.
Insurers prevent tour operators
Insurers tighten the preparation of new insurance rates tour operators. Before the end of re-registration of insurance in accordance with the new law on fingarantiyah month left. If you do not provide the documents by 10 September, the company will not enter in the register of tour operators and can not work.
Russian Union of Insurers for the second time postponed the timing of new insurance rates for tour operators. Task Team Leader for the BCC calculation of tariffs Elena Skuratov said that the tariff system will be ready until August 13. Then it must be reconciled with Rosstrahnadzorom. As a result, reinsured by the new fares will be able to tour operators not before August 17. 'You must work quickly, but do not forget about quality. We will try to complete all until August 17 '- promised Elena Skuratov.
In mid-July, when he joined the new law on financial guarantees, the BCC has promised that everything will be ready by the end of the month. Insurers do not have time to prepare the tariffs that will insure the tour operators, in connection with the change in financial guarantees.
Russian Union of Insurers for the second time postponed the timing of new insurance rates for tour operators. Task Team Leader for the BCC calculation of tariffs Elena Skuratov said that the tariff system will be ready until August 13. Then it must be reconciled with Rosstrahnadzorom. As a result, reinsured by the new fares will be able to tour operators not before August 17. 'You must work quickly, but do not forget about quality. We will try to complete all until August 17 '- promised Elena Skuratov.
In mid-July, when he joined the new law on financial guarantees, the BCC has promised that everything will be ready by the end of the month. Insurers do not have time to prepare the tariffs that will insure the tour operators, in connection with the change in financial guarantees.
Motor Insurers on the verge of bankruptcy?
The market motor worrisome trend. Payment of the guarantee funds of the Russian Union of Auto Insurers (SAR) under contracts OSAGO for lost license in July of this year for the first time exceeded income.
According to the vice-president SAR Andrew Baturkin, this month to guarantee funds were sent to insurers OSAGO 329.5 million rubles, and paid for bankrupt insurers 491 million rubles. According to SAR, the total assets exceed 10 billion rubles. Fund payments for the bankrupt company is 3.3 billion rubles.
Since the beginning of the year the market OSAGO already spent 13 insurance companies. PCA is concerned marked the trend and considers it extremely important to the end of the year a number of measures to prevent bankruptcies of insurance companies. In particular, the Association of Motor considers it necessary to expedite the passage of amendments to the law on bankruptcy of insurance companies.
According to the vice-president SAR Andrew Baturkin, this month to guarantee funds were sent to insurers OSAGO 329.5 million rubles, and paid for bankrupt insurers 491 million rubles. According to SAR, the total assets exceed 10 billion rubles. Fund payments for the bankrupt company is 3.3 billion rubles.
Since the beginning of the year the market OSAGO already spent 13 insurance companies. PCA is concerned marked the trend and considers it extremely important to the end of the year a number of measures to prevent bankruptcies of insurance companies. In particular, the Association of Motor considers it necessary to expedite the passage of amendments to the law on bankruptcy of insurance companies.
Sunday, August 22, 2010
Tour operators Fee insurance round sum
Last Thursday the State Duma passed the third reading a bill to increase fingaranty for tour operators. Innovation has become a real headache for travel companies who are now trying to estimate how much it will cost the same new fingarantii and how many have to pay extra for them to insurers this year.
Cost fingaranty or the amount of premiums insurers set taking into account the reliability of the tour operator and its insurance history. In this they are guided by the minimum tariffs, approved Rosstrahnadzorom. For tour operators working in the field of international tourism, with a minimum tariff reduction factor is equal to 0,961% of the sum insured. Typically, insurance rates for most companies, roughly, and is and is within 1%. And if the former fingaranty 10 million rate reached about 100 thousand, then it will be new, respectively, 300 thousand rubles - to 30 million, 600 thousand - for 60 million and 1 million rubles for fingaranty of $ 100 million.
Features of the national medical insurance
Cancer is one of the major diseases of modern man. And, despite the fact that medicine has some means by which to his treatment, they can do for patients is very expensive. Even when treated in the public health facility to obtain virtually free, for effective imported drugs would have to pay big money.
One solution to this problem is a specialized insurance. In the U.S., for example, cancer risks are insured for a long time, and the service is in demand: today, such policies to buy about 10 million Americans. In Russia such insurance were introduced ten years ago, but they almost did not sell. Some companies refused to insure people do with an increased risk of cancer, some insure only women - breast cancer, but in other cases, demanded from the client to pass a costly survey.
One solution to this problem is a specialized insurance. In the U.S., for example, cancer risks are insured for a long time, and the service is in demand: today, such policies to buy about 10 million Americans. In Russia such insurance were introduced ten years ago, but they almost did not sell. Some companies refused to insure people do with an increased risk of cancer, some insure only women - breast cancer, but in other cases, demanded from the client to pass a costly survey.
Pros and cons of insurance unfinished housing
Home insurance - this is the only way to go without their own roof over their heads upon the occurrence of unfortunate events. And if the housing being constructed? Do I need in this case to insure the expenditures and, if formal insurance, you need to know about this?
Insurance non-existent in reality, for example, nesdannoy, ownership has its pluses and minuses, respectively.
Living space in an unfinished house is cheaper than a state commission has already adopted. The lower floors built, the ceteris paribus less money paid by the buyer. Accordingly, cost, buying apartments in the initial stage of construction - the most profitable investment of money in real estate. Unfortunately, to date, the overwhelming number of buyers can afford to consider only the option of buying an apartment.
Insurance non-existent in reality, for example, nesdannoy, ownership has its pluses and minuses, respectively.
Living space in an unfinished house is cheaper than a state commission has already adopted. The lower floors built, the ceteris paribus less money paid by the buyer. Accordingly, cost, buying apartments in the initial stage of construction - the most profitable investment of money in real estate. Unfortunately, to date, the overwhelming number of buyers can afford to consider only the option of buying an apartment.
Union of Insurers and bankers
OOPERATION banks and insurance companies is expanding. The benefits of such interactions are evident. Insurers receive new sales channels of its policies, and banks hedge their risks. Besides, they both share their customer base. This helps to increase range of clients and effectively deal with fraudsters. According to preliminary estimates, the market of banking insurance now exceeds 30 billion rubles. This conclusion was made by experts of rating agency "Expert RA". They conducted a study in which 12 insurance companies - the most active players in banking insurance. In 2006, the volume of their contributions to the insurance risks of banks and their customers amounted to 22 billion rubles. This average proportion of retail risk insurance customers of banks in the bank's portfolio of leading insurers amounted to about 78%.
Agent without fear or reproach
In the West, the insurance business is well developed, there is fear not only the lives and health, movable and immovable property, but also the favorite fish, dogs, birds ... We have the majority of citizens are still counting on luck, although in recent years, Russians are increasingly buying an insurance policy. To conclude the contract they help students and graduates who choose the insurance business of its main profession. Or more - if you have free time and desire to earn extra money.
First, who is facing a man who has decided to insure - insurance agent. It was he who knocks at the door client. Sometimes, to conclude a lucrative contract, he has to go to such tricks, which pales before even mastery of the famous 007. For example, the wives of oligarchs and businessmen in recent years, together with a certificate of marriage in a registry office issue ... insurance against divorce. They say no one refuses.
First, who is facing a man who has decided to insure - insurance agent. It was he who knocks at the door client. Sometimes, to conclude a lucrative contract, he has to go to such tricks, which pales before even mastery of the famous 007. For example, the wives of oligarchs and businessmen in recent years, together with a certificate of marriage in a registry office issue ... insurance against divorce. They say no one refuses.
Insurance suburban real estate
In the insurance market tends to increase the demand of insurance suburban real estate. This is due to an increase in the number of owners of such property. According to experts, the demand for this type of service, compared with last year, increased by about 20%.
The owners of suburban real estate as well suited to the security of their buildings and property, as well as purchasers of urban apartments. Of course, insurance suburban property has its own peculiarities.
The main difference between the insurance city apartments - a simple assessment of the property. A procedure for assessing a country estate involves the collection of a large number of documents and requires taking into account peculiarities of the legislation. In accordance with the law, land and buildings on it - these are different objects, so the certificate of registration of ownership will be different and to insure to each entity separately.
The owners of suburban real estate as well suited to the security of their buildings and property, as well as purchasers of urban apartments. Of course, insurance suburban property has its own peculiarities.
The main difference between the insurance city apartments - a simple assessment of the property. A procedure for assessing a country estate involves the collection of a large number of documents and requires taking into account peculiarities of the legislation. In accordance with the law, land and buildings on it - these are different objects, so the certificate of registration of ownership will be different and to insure to each entity separately.
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