Disadvantages to Cruise Ship Travel

Cruise ship travel is not for everybody. Although many enjoy cruises, some travelers prefer other types of vacations. Before going on a cruise, take time to consider whether or not this is the best method of travel for you. Be sure to research information about the specific companies you are considering as well as read reviews from other customers. Also consider talking to those you know who have traveled on cruises before and see if it sounds like something you would enjoy. It is important to get more information than just a recommendation from someone. What one person finds fun, you may not, so it is important to find out why a person did or did not enjoy a cruise ship experience.

Some do not enjoy cruises simply because of the nature of traveling on a boat. Those who are prone to motion sickness may not enjoy being on a boat because of the high likelihood of experiencing sea sickness. Severity differs for everybody, and sea sickness usually is not serious, but it can still be an unpleasant experience and can ruin a vacation. Consider whether or not this is something that concerns you. Medications and wrist bands help some who suffer from sea sickness, but they are not effective for everyone. For some people, sea sickness runs its course relatively quickly, but only you can decide whether or not this is a possibility you are willing to face.

Others are afraid to cruise because of the possibility of the boat sinking. Only you can decide whether or not you are a person who worries about this possibility. It may help to do some research. Any type of travel has inherent risks, of course. Some are terrified of airplane travel but sill travel on cruises. Others travel frequently on airplanes but would not consider going on a cruise. It is true that being on a boat is a different kind of experience than any other form of travel. Some are not so worried about the boat sinking but are afraid of being out in open water, unable to see the shoreline. Only you can decide whether or not being on the ocean bothers you.

Perhaps the most common fear of cruises in the last decade has been based on the media coverage of viral outbreaks on cruise ships. In the last couple years, this problem has improved, but most travelers are familiar with outbreaks of viruses such as the Norwalk virus. These viruses run rampant on cruise ships because of the large number of people in close proximity to one another for extended periods of time. Although general precautions can certainly decrease a persons’ chances of catching a virus on a cruise ship, it is true that illnesses are more difficult to avoid on a boat.

Along with viruses, crime on cruise ships has also been widely publicized. It is important to research each cruise line and get accurate statistics. Also, read reviews and information to learn how incidents are handled, and make sure you understand the level of security that will be present on the ship. Fortunately, most crime committed on cruise ships is property crime rather than violent crime, and this is relatively common with any type of travel.

Title Companies Vs Real Estate Lawyers

Is a real estate lawyer a better choice than a title company when it comes to selling your home? You can choose any one of the two but you should first be aware of the difference between real estate lawyers and title companies. Here is some information about both the entities and whose services can benefit you most.

Real estate lawyers

Real estate lawyers specialize in laws relating to real estate and make sure that your interests as a seller are met in the transaction. These lawyers can act as escrow agents as they can hold your earnest money, down payments as well as help you with the requisite documentation. These attorneys can also help you understand the legalities involved in the sale transaction, the offer made by the buyer and your rights as a seller.

An attorney can also handle a closing in case the lender’s lawyer doesn’t do that. Every real estate lawyer has two most important responsibilities.

• To advise on the documentation process of the transaction

• To represent you at a closing

Besides these two important services, an attorney also negotiates any modifications in the purchase contract that the seller wants to incorporate. Preparing the seller’s deed, another crucial aspect, is also taken care of by the attorney. The attorney you hire will also accompany you on your meeting with the client/buyer at the time of settlement. He/she will also advise you on the tax implications involved in your home or property sale.

Title companies

Title companies are insurance agencies that represent title insurance companies. Such companies insure titles to lenders and buyers by ensuring that a title is free from any encumbrance that can cause financial loss.

The title company assures the buyer that he/she can get his/her title on the home or property with no liens against it. The availability of a title on the particular home/property is made clear and vouched for by a title company. In the process, such an entity protects the rights and interests of both parties in question.

Usually, most title companies insure a closing with the help of a lawyer to fulfill certain requirements. Closings also depend on the area you are living in. Toronto natives can hire the services of a real estate lawyer for sale closings.

Keep the following things in mind when you sell your property:

Title companies can hold the down payment and close your home without additional costs. Also, there is a possibility that title companies may give you a discount on your title insurance if you had previously used their services to either refinance or buy your home or property. Lawyers can also close your home/property sale and hold your down payment but may charge an additional fee.

A lawyer can charge a higher fee to write a contract. In cases of simple transactions, this can complicate negotiations. But in most other property sale transactions, the services of a real estate lawyer can prove invaluable.

RMS Titanic Insurance Claims

It is exactly 100 years since the pride of the White Star Line, the RMS Titanic, hit an iceberg in the Atlantic Ocean and sank with the loss of over 1500 lives.

The centenary has prompted many insurance companies on both sides of the Atlantic to publish documents relating to the greatest maritime loss to date in relative costs, mostly showing their company’s involvement with claims payouts.

When the Titanic sank on the 15th of April 1912, the Lutine Bell was rung at Lloyd’s of London, and a very rapid claims process was begun.

A few months earlier the ships owners, the White Star Line, had instructed insurance brokers Willis Faber and Co. to find cover for the hull, cargo, contents and personal effects of the ship. Willis Faber passed the ‘slip’ to their Lloyd’s mercantile division where it was assessed and subsequently underwritten by multiple syndicates and insurance underwriters acting on behalf of members.

The Titanic’s hull was insured for total loss for $5 million or just over one million pounds sterling at the exchange rate of the time. The policy also included total loss cover for cargo at $600,000 and contents at $400,000 a value equivalent to two hundred thousand pounds.

The original broking slip passed around Lloyd’s has been lost, but was photographed and can be seen in Wright and Fayles book of 1928 called ‘A history of Lloyd’s’. It shows that seven large insurance companies took nearly forty percent of the risk between them and the other sixty percent was underwritten by over seventy individuals and Lloyd’s ‘Names’.

According to documents recently released by Willis the marine insurance policy cost White Star £7500 or $38,000 to insure the Titanic at a rate of 15 shillings per hundred. Modern day rates for cruise liners are considerably lower.

The Ship was considerably underinsured for a value of only five-eighths of its replacement cost. This was apparently because the owners thought the hull to be unsinkable and were prepared to bear the additional $3 million dollars of risk themselves.

Willis state that despite the owners belief in the vessel being unsinkable, they had trouble placing all the hull cover at Lloyd’s and some forty thousand pounds was underwritten in Germany. There was also an extremely high excess or deductible of 15% of the insured value.

Four days after the Titanic sank the US senate held a preliminary investigation at the Waldorf Hotel in New York. The surviving officers of the ship presented their evidence to the panel describing the events of the sinking and signed what is called a ‘protest’ which enable insurance claims to be paid.

Incredibly White Star were reimbursed for the loss of the hull within seven days of the sinking, presumably minus the excess, and fully paid up on cargo and contents losses within thirty days.

They were however grossly underinsured for their liability to others given the value of the people on board. Claims against the company exceeded their cover by over $1 million and whether they had private P and I accident cover for their staff liability, remains a mystery. Suffice to say that payouts to families of lost members of the crew, were paltry.

Claims for the loss of people amounted to in excess of five times what the value of the ship was worth, for those lucky ones who happened to have had life insurance policies or had taken out travellers personal accident cover. Although no disputes about loss of life occurred, families had to wait a lot longer than White Star for compensation.

The final payout for human losses has never been fully asserted as over one hundred and fifty different life of accident insurance companies were involved in cover, on both sides of the Atlantic. American companies took the bulk of the claims, due to the many rich entrepreneurs and millionaire family members who were drowned.

The total loss is estimated to be in the region of $20 million and one of the largest payouts was by the Travelers Insurance company of Hartford who paid out a life policy for over $1 million.

The sinking of the Titanic also brought about the first and only insurance claim for a car being hit by an iceberg, by a Mr William Carter who claimed five thousand dollars for his 25 horse power Renault, lost at sea.

Best Digital SLR Cameras – How to Choose The Best DSLR Cameras

Best Digital SLR Cameras – All about DSLR Cameras

Hi, this is Steve, thanks for reading my DSLR Reviews . I enjoy taking photos, so I appreciate it captured my enjoyable moments. If you are interested to learn more about digital SLR and how to pick the best cameras to invest in for taking extraordinary photos, here's the right place!

It should bear in mind what you need your camera to do before buying any one, so now I've added information and facts that you will find helpful for you to choose the best camera. I took the details from my own experience while shopping for the perfect camera to buy.

What is the DSLR Camera?

A great number of hobbyists are desiring for a DSLR, the fact is that they have no idea what it is exactly, if have, just like "It is like the compact one in my pocket, it will be better, it is a big one . "

In my way to describe a DSLR, it would be 'All-Round'; You can use the DSLR for almost anything, taking pictures of lovely animals, beautiful landscapes or amazing astronomy, recording vivid high quality video clips.

And there is a significant difference on the price too. How much are you willing to pay for a decent camera that fits your needs? I will recommend several cameras with affordable budget!

Why a DSLR Camera is better than Compact Camera?

Having a DSLR Camera, you will benefit from:

  • Interchangeable lens – based on the kind of photography you desire, you can purchase lenses optimized for the task, rather than the one-size-fit-all lens of a compact.
  • Optical viewfinder which goes through the lens via a mirror or prism – search through the camera lens for perfect framing and find out far more detail than using the LCD screen.
  • Faster autofocus – the digital camera will focus considerably faster and with better accuracy.
  • No shutter lag – when pressing the shutter release button and taking the actual photos, no lag time in between them – you will not miss any memorable moment.
  • No delay in between pictures – you'll be able to shoot no less than 3 fps (based on the camera model it may be even to 12 fps), ideal for action shots.
  • Less noise in low light – it is possible to shoot in low light while still get usable image.

How to Choose the Best DSLR Cameras for Beginners?

Think economy

Here, economy means deep consideration on a brand: camera bodies, lenses, third-party lenses, accessories, stuff you find on, such as Amazon, eBay tutorials, seminars, and more.

All manufactures brag that their cameras have been armed with lots of features; Sometimes they provide the same thing under a different name.

Generally, I do not recommend you purchasing a high-end and most advanced camera as your first one. The money you spend on the most advanced camera can not automatically complete the amazing master piece, the miracle operator is behind of the camera – you. On the other hand, the complex options will confuse you, finally, you only work with the "fully-automatic mode", that is what your "Compact Camera" could realize. An entry level of camera could product better images with a good lens than the combination of advanced camera and crappy lens.

Which is the Best Brand for Digital Camera?

No doubt, Canon and Nikon are the most competitive and are likely to remain so for the foreseeable future.

The brand is not the most important matter, while the market share does, it should lead your choice. Let me tell you the reason, if you only need a camera and the kit lens, market share does not affect you

However, if you intend to keep investing and upgrading the hardware, choosing a most popular brand can save you money and your time, because you can easily find all sort of accessories for it, where you will have a hunt To find what you need, maybe with much more time and money.

High Resolution for DSLR Camera Is Always Necessary?

When choosing a digital camera, there are various important specs to take into account apart from which color to pick. Years ago, the way you'd approach this was to have the camera armed with the highest / biggest resolution. Everyone likes bigger one, right? It sees larger one means all-round, multifunction and more powerful. The fact under cameras is not that simple. Bigger resolution is truly fantastic, but do not forget the critical aspect – the final image quality depends a lot on the sensor size. Most DSLR cameras equipped with about 24X16mm APS (Advanced Photo System) sensors. As the resolution increases, noise increases too. The right balance is 16Mp for them. If you prefer a "Full-Frame" sensor which is very large and expensive and equipped in high-end cameras, you get a resolution of 24Mp by 36X24mm sensor. Being the first DSLR camera for beginners, it is a bit of earlier to talk about those details. Moreover, you could crop large portions of images captured through higher resolutions, but why not learn to frame the object much more effectively.

DSLR Camera: What is Live View?

A live view LCD on a digital SLR camera lets you preview the images you're about to capture using the large LCD on the back of the camera. A live view LCD is a fantastic feature for people who hate to peep the real world through a "Hole".

The continuous image shown on the LCD enables you to make sure you've got the composition right, no matter if your eye is not pressed to the viewfinder.

But hold on a sec … This " unique " feature sounds a remarkable lot just like the way every compact digital camera works.

It is, but adding a live view LCD to a digital SLR is not always a good option as it sounds.

LCDs can be handy, but they also do result in disadvantages in design overall performance; Especially, if you work with Live View, the auto-focus is going to be again slow, ending the speed advantages of SLRs over compacts. The most important aspect, the power consumption will be significantly increased. When shooting natural scenery in the wild, a DSLR camera with battery exhausted may be a good weapon against attacking from animals, instead of taking their photos back.

Optical Stabilization for DSLR Cameras?

Without using a tripod, taking pictures in low light and / or with telephoto lenses may be challenging. Almost all DSLR cameras get some type of stabilization. There is also a trick though: Canon and Nikon provide stabilization inside their lenses ( IS lenses for Canon and VR lenses for Nikon ), while Sony, Pentax and Olympus develop the stabilization function in camera body . The difference is critical simply because for Canon and Nikon you should buy IS / VR lenses , which may be quite more expensive than normal lenses, while with the other manufacturers the stabilization works with any lens. The effectiveness of stabilization is about the same in both philosophies (3-4 stops); The stabilized lenses provide the benefit of you seeing the exact stabilized image in the optical viewfinder, while stabilized bodies allow you to use any lens for the exact same effect.

Finally …

I tried to keep this guide as neutral as possible and offer you information to assist you make a decision, instead of making a choice for you. You could visit my website Best-Dslr-Camera-Guide.com, HERE for more details.