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Showing posts with label Guide. Show all posts
Showing posts with label Guide. Show all posts

Tuesday, September 11, 2012

Making Documentaries Made Easy & Cheap: A Guide for the Politically Active


Media consolidation is reducing the breadth and depth of the information Americans receive about the important issues that confront us as a nation. Hard facts, in depth analysis, and first person accounts about serious matters like the Iraq War, torture, war profiteering, electronic vote tampering, health insurance cost increases, medical errors & malpractice and a host of other important issues are driven off the mainstream news by things like the ascension of a new pope or the funeral of a statesmen.

Political activists, through years of research, are often better informed than the average citizen about one or more issues, and they are often much better informed than the average reporter. The question is, how can political activists package their data in a format that most American's are willing and able to accept? The answer is by creating independent films that communicate the compelling facts.

Creating a documentary used to be something undertaken only by the media elite. Buying and developing film, using three cameras at a time, cutting and pasting film strips to create the finished product ensured that the vast majority of documentaries were created by well funded professionals. All that has changed.

A political activist needs just a few tools in order to begin creating and selling documentaries nationally.

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Here's how:

Acquire a digital video camera for $300-$600. A mini DV camera is probably best since it uses small one hour tapes that don't cost much. You can pay more for an HD (high definition) "prosumer" camera, but buy what you can afford. While you are at the video store, pick up a good clip-on microphone. You will find getting good sound key to creating a great documentary.

Acquire a new MACINTOSH computer with 500-750 GB of storage for $1500-$2400. I say this as a person who teaches people how to use PCs day in and day out. New Macintosh computers come with the software required to make films. The free iMOVIE software makes loading the images captured on your DV tapes as easy as plugging your camera into the computer and clicking capture. You can load multiple tapes, cut and paste segments, add sound & music tracks, and burn DVDs. Doing all that on a PC takes longer and costs more for the same quality. Learning to use the software and hardware on a PC takes longer too.

Set up an account for your DVD at http://www.CustomFlix.com for $50-$75. CustomFlix is a subsidiary of Amazon. After you set up an account, fill in the blanks about your DVD (including the price), upload some 300 DPI images using their templates to define the cover and face of the DVD. Ship them your DVD. In about three weeks it will be for sale. Note that you never have to spend $2000 to imprint a bunch of your DVDs as used to be the case. CustomFlix does DVD-on-Demand, which means they produce the DVDs when they are ordered. If you order your own DVDs you get them at the base production price (about $7), and the price goes down if you order many copies. If you set the retail price at $14.95 you'll make $4-$7 when someone buys one.

If you don't want to make your DVD available on Amazon, check out http://www.Mixonic.com and http://www.Lulu.com who do DVD-on-demand as well and have no setup fee at all.

Promote your DVD by telling people about it at events. You may even want to buy a bunch to sell. Let other activists purchase your DVD at a discount. Customflix makes this pretty easy. You just give them a discount code.

Reach a national audience try keyword advertising through http://www.google.com/ads. Note that I've found ads that cost $0.05-$0.25 per click-through do better than those that cost more.

Post excerpts from your DVD on http://www.Revver.com, http://www.YouTube.com and video.google.com. Its free and its a great way to get exposure for your work. Creating Google ads that point at your video on these sites is a great way to get the word out about your issue, and perhaps sell a few DVDs to people who want to know more. Just make sure your video clips show your web address.

Make sure you get releases for anyone you put on film. You can find the form anywhere on the internet. You should also ask people you interview if its OK to use them in your documentary while the camera is running. Make sure you tell them the documentary will be available on Amazon so they know it will be commercially available. Putting someone on film without having their permission is likely to get you sued.

Will you make a million dollars making documentaries?

Probably not. I know folks (www.conceptionmedia.net) who went to Fallujah just days after the US stopped bombing it and had interviews with the inhabitants returning to the ruins. Mainstream media is very unlikely to pick up your documentary no matter how good it is. Keep that in mind while making it and budget accordingly. Not everyone will enjoy Michael Moore's (Fahrenheit 9/11) or Robert Greenwald's (Iraq for Sale) success.

On the other hand, its very likely that a political activist who is actually politically active will have no problem breaking even on most their projects. Perhaps more important, a tidal wave of documentaries that address the issues people care about is the best remedy for our nation's extremely consolidated media.




Nancy Fulton is a writer and filmmaker with first person experience in creating low-budget documentary films. Check out her movie, Back From Iraq: the US Soldier Speaks at www.BackFromIraqMovie.com [http://www.backfromiraqmovie.com/].




Wednesday, June 13, 2012

So, You Think You'd Like to Start Speaking Professionally? A 7-Step Guide to Starting Your Business


David, a 59 year old divisional vice president with one of the largest and most renowned financial service providers in the world, is working harder and longer hours than ever before in his career. He travels extensively, is heavily scheduled, and earns an annual salary over $500K.

David finds himself at what is most probably his professional peak. He is well invested, fully insured, able to fund college educations for his children and is in relatively good health, albeit stress-related minor health challenges.

Barely making time for his favorite pastime of golf, he longs for a way to share his expertise without the management responsibilities that come with his job. His company takes full advantage of his expertise and his natural talent to train others in the company. Occasionally, he's asked to speak to a professional association.

David and I spent some time talking at a gathering of friends. We discussed ideas in which he could utilize his knowledge base in new and stimulating ways without having to work for the firm including interviewing his favorite authors about their philosophies of success building practices and then producing a series of CDs based on those interviews. David left the gathering a little more confident that he could have another career path of speaking full time.

It does not matter if you're a top producer in a commissioned sales business such as insurance or real estate or if you're a corporate leader who's ready to challenge yourself beyond the bounds of your organization or you're an entrepreneur leading the field...

These SEVEN STEPS will help you think more seriously about making a transition to professional speaking:

1. Identify your core competencies. What are the things that you do that have taken you to the top of your profession either in your geographical area or in your organization nationwide? Write a list and make it as long as you can. You can edit it later.

2. Create a list of facts about yourself that have distinguished your expertise and brought recognition to you and your organization. As an example, here is a list of facts I gathered in 2005 about Mark Victor Hansen so that I could utilize those in securing more speaking engagements for him:

o Has addressed 3 million people in 38 countries since 1978

o Bestselling author of 3 books: Chicken Soup for the Soul, Power of Focus, One Minute Millionaire

o #1 bestselling living author of a non-fiction series

o Created billion dollar brand with Chicken Soup for the Soul

o Only author in 2003 with two bestselling books on BusinessWeek Best-Seller List at same time (One Minute Millionaire & The Power of Focus)

o USA TODAY (March 2004) named five Chicken Soup for the Soul titles among the top 100 books from the first ten years of the USA TODAY Bestselling books list.

o Famous author Harvey Mackay said, "If you only real one book this year, read The Power of Focus."

o Recipient of the Book of the Year Award by the American Booksellers Association - voted on by over 20,000 bookstores who nominate titles that are the "hidden treasures in the adult and children's book categories

o Recipient of the Horatio Alger Association of Distinguished Americans which honors American leaders who have succeeded in the face of adversity and who personify the virtues and principles inherent in the success stories written by nineteenth century American author Horatio Alger, Jr.

o Inducted into 2004 Sales & Marketing Executives International, Inc.'s Sales and Marketing Hall of Fame - The Ambassador of Free Enterprise award

o Named 1999 Humanitarian of the Year by the National Conference for Community and Justice (formerly the National Conference of Christians and Jews

o 2004 recipient of the Dove Award - Visionary Philanthropist for Youth Award by Covenant House California

3. Compose a list of the major turning points in your life. What experiences did you have that helped you form who you are today? What childhood experiences did you have that demonstrated your tenacity, your positive attitude, your ability to help others communicate more effectively, your ability to turn a negative experience into one that benefited you? Being able to tell stories about yourself, your childhood experiences, handling crises, overcoming obstacles - those are defining experiences to which you can refer in building your signature speech.

4. Write a unique selling proposition about yourself. Make it two sentences which say, in short, "I am... I do..."

When others ask what you do, avoid saying, "I'm a speaker." How uninteresting is that? Plus, their next question will be, "What do you speak about?"

Why not say..."I am a management expert for personal bankers. I am an equity specialist for organizations who seek staff development training to produce highly qualified individuals regarding ongoing reforms in the banking industry."

Now, there's an opening for building a relationship.

5. Identify your target market. What industry will most benefit from your time and talents? What organization, either a company or an association, boot camp or public rally with multiple speakers, would benefit from your expertise? When you read about current events in trade journals, magazines and newspapers, think about how your expertise could create solutions for those organizations. Beyond speaking to these organizations, you'll have a natural outlet for your products and services.

6. Collect third party endorsements. List the names of business professionals who believe in you and your expertise... those who are your champions in the field. This may be one sentence from an individual or an entire thank you letter from someone. These people will be the ones who can verify your talent and your ability to teach others what you know effectively. If you're a top producer in real estate, this may be your broker, the regional director in your company or a real estate professional who has used your sales strategies and increased their own production. The two primary reasons that organizations will begin to hire you are facts and third party endorsements. I have seen top producers have an additional significant income from speaking part time because they only had their personal production and third party endorsements to secure paid speaking engagements.

7. Formulate your signature speech. Imagine that you have 45 minutes to teach others what you know. What would be the most important elements to cover? What principles have served you over the years? Oprah Winfrey has special page in every O magazine entitled, What I Know for Sure. What do you know for sure?

Going through the process of answering these questions is fun and productive. It is the beginning after which Internet technology can maximize your outreach, attract and position you within your target market. You may be among the new breed of speakers that comes from passion and purpose for which professional speaking is a natural evolution.




Mary McKay
Speaker Marketing Specialist
Turnkey Marketing for Experts Who Speak
http://www.TurnkeySpeaker.com
Get immediate access to 2 FREE Insider
Reports, including 7 Ways to Get Paid
to Speak.
Mary McKay Productions, Inc.
Mary@TurnkeySpeaker.com
(949)429-6646




Friday, May 11, 2012

Buying and Selling Houses - The Complete Guide


Buying or selling your home are amongst the most important decisions you will ever make and require a great deal of thought at every step between deciding on a move to the hiring of a removal van. They also require vital legal formalities and the purpose of these notes is to assist you to understand those formalities.

The Buyer's Offer

If you are buying a property it is wise to make the offer subject to Survey and Contract. This allows you to have a change of mind and not continue with the purchase if, for example, an adverse Survey is obtained or a Mortgage cannot be secured, When you make an offer to the Seller or the Seller's Estate Agents ALWAYS make the offer subject to Survey and Contract. NEVER sign a document at this stage without first obtaining your Solicitor's advice.

The Contract

The Seller's Solicitor draws up a document known as the Contract. This document gives full details of the Agreement reached between the Seller and the Buyer. It sets out the purchase price, the names and addresses of the Seller and Buyer and describes the property. It also states whether the property is Freehold or Leasehold. The Contract will also include any Special Conditions which have been agreed between the Seller and Buyer, for example, whether the Seller will carry out any repairs to the property before the completion date.

National Conveyancing Protocol (or Transaction)

This is a Scheme recently introduced by the Law Society and which has been adopted by Keith Park Solicitors and a large percentage of Solicitors Firms nationally. The steps involved in the sale and purchase are carried out in accordance with this Protocol, the aim of which is to ensure that the Seller's Solicitors provides the Buyer's Solicitors with as much information as is possible about the property at the outset of the transaction. This helps to narrow the time gap between the agreement on the sale or purchase and the actual exchange of Contracts. Unless you write to the contrary we shall assume that you have no objection to us using this "Transaction".

Leasehold Property

This arises when a property is let by the owner of the Freehold to the owner of the property for a period of years usually 999 years. The Lease will be a long and fairly complex document. The important Clauses contained in Leases usually include those relating to the term of years, the Ground Rent and the Lessee's Covenants which are restrictions on use and obligations applying to the property.

Joint Ownership

When two or more people buy property they can buy as "Joint Tenants" or "Tenants in Common". Most people who buy property do so as "Joint Tenants", This means that if one co-owner dies his or her share in the property automatically passes to the survivor. The alternative is a Tenancy in Common which is more appropriate for co-owners who have no personal relationship. If a Tenant in Common dies then that person's share does not pass automatically to the survivor but forms part of the Estate of the deceased person and passes under their Will.

A Tenancy in Common may also be required if the Buyers are putting in unequal deposits and the person putting in the larger amount wishes to ensure that he or she retains a proportionate part of his or her share in the property when it is sold. If an unmarried couple are purchasing a property they may wish to instruct us to prepare a Cohabitation Agreement/Trust Deed, which can include details of their intentions should they split up and the property is sold.

Property Information

When instructions are received from you to act on your sale, a Questionnaire will be forwarded for you to complete. This contains questions relating to your property for example, enquiries such as to the ownership of the boundary fences, disputes with your neighbours, availability of Guarantees etc. This information is then supplied to the Buyer's Solicitors when the draft Contract is sent out. It is vital that you read the front page of the Questionnaire before completing your replies and if you have any Guarantees, Reports, Planning Permission etc in your possession you should forward such to our office when returning the Questionnaire.

Fixtures, Fittings & Contents

If you are selling, we will send you a Schedule for your completion and return with the Property Information Questionnaire. In the "included" section you should list all items which you have agreed with the Buyers are included in the agreed sale price, Anything which you are selling as an extra sum should be listed separately. Be particularly careful also in listing those items which you wish to take with you to your new home. The Schedule will form part of the Contract and you will not be able to change your mind about what is included or excluded after Exchange of Contracts without the Buyer's consent or possibly being required to compensate the Buyer.

Local Search

This is a standard form of enquiries made with the Local Authority in which the property is situated, The Search will disclose, amongst other things, whether there are any relevant Planning Permissions or Improvement Grants and whether any road fronting the property is maintained at the cost of the Highway Authority or is privately maintained It is important that you realise the limitations on the results of the search. The search will primarily only be against the property you are acquiring, Whilst some matters. e.g. possible road developments within 200 metres of the property are covered, no planning information that does not specifically relate to the property you are acquiring will be revealed. If you are concerned about possible development in the surrounding area, you should contact the local Planning Authority direct. If you have any further queries about what is and is not covered by the search, please let us know.

Since 1 st April 2000, Local Authorities are required to prepare a definite list of sites within their area where past uses have led to contamination, The Local Authority search specifically asks the Local Authority whether the site does have some history of use which could lead to contamination. As the Local Authority's obligation to compile a register has only just arisen, it is unlikely that any entries on the Local Authority search would appear against the property you are purchasing. This does not mean that the site is not contaminated, simply that the Local Authority has not yet investigated the position, If, when you come to sell the property, it does appear on the Local Authority's register then you may find it difficult, if not impossible, to sell your property. Fortunately, it is possible to carry out an environmental search which would highlight the history of the site of your property and details whether or not any potential sources of contamination exist within a 250 metre radius. At the moment it is not compulsory to carry out such a search but it is likely that the lending institutions will soon insist that environmental searches are carried out before they will accept a property as a suitable security. We would advise you strongly to carry out the environmental search at this stage and ask you to contact us should you wish a search to be carried out.

Mining Search

This is an enquiry with the Coal Authority to ascertain the position with regard to mining (whether past, present or future) under the property the subject of the transaction and whether any recent claims for subsidence damage have been submitted. It will also reveal whether there are any disused mine shafts near to the property. If a Building Society or Bank is providing a Mortgage for the Buyer we will almost Invariably be required by the Building Society or Bank to obtain the results of a Mining Search if the property is thought to be within a Coal Mining area. If anything of an adverse nature is revealed, for example a disused mine shaft adjacent to the property, we will send a copy of the result of the Search to the Building Society or Bank who would no doubt refer the matter to its Valuer or Surveyor. Depending on the comments of the Valuer or Surveyor, the Mortgage Application could be turned down or if the Mortgage Offer has already been Issued the Offer could be withdrawn. The presence of coal workings within close proximity of the property may also affect future saleability.

Water Search

The Law Society recommends that a drainage and water search (or CON29DW) is undertaken as part of every property purchase. The search helps to avoid costly mistakes relating to drainage and water assets and owner liability issues under and around the property. The search will be of interest to clients who are purchasing a property with the intention of developing or extending it in the future. Depending upon the location of water pipelines or sewers, such developments can be refused If the property is situated too close to these assets.

Environmental Search - Optional

An Environmental Search provides essential site history and other environmental information for properties in mainland Britain. The Report will help any homebuyer to make an informed decision about purchasing a particular property and whether it will provide a suitable environment and investment for the family. The Search is designed to satisfy the concerns raised by the Law Society and the Search provides a property specific map showing site history information to enable you to pinpoint potentially contaminative historical land uses. Environmental Data is an essential part of Residential conveyancing and provides a comprehensive site history of Information for all 0f mainland Britain and the location of potential risks in relation to a property and potential landfills and other factors affecting the actual site where the property is situated. We would strongly advise that you have an environmental report carried out prior to exchange of contracts taking place as tile implications of contamination being found in the future and an environmental notice be served upon your remedial/clean up works can be costly to rectify. Should you wish us to carry out an environmental report on your behalf please instruct us immediately and we shall advise you of the cost.

Deposit

On the purchase of a property it is normal to pay a deposit when Contracts are exchanged. It is traditional for the deposit to equal 10% of the purchase price (less any deposit that you may have paid to the seller's Estate Agents). In certain circumstances, for example where a sale is also involved or a 95% Mortgage has been Obtained, it is possible that the Seller may agree to accept a reduced deposit. A Buyer does however, remain liable to make the deposit up to 10% in the event of the Buyer failing to complete the transaction after Contracts have been exchanged and as a result of such actions the deposit being forfeit t0 the Seller. We will also require documentary evidence as to the source and origin of the funds to be utilised for the purchase where you are providing in excess of 10% of the purchase price.

Exchange of Contracts

Once satisfactory Searches and information have been received and when the financial arrangements, such as the obtaining of a Mortgage have been concluded, the Contracts, which each party will already have been asked to sign, are then exchanged and the deposit paid. At this point the deal becomes binding and both parties are committed to the transaction. If the Buyer backs out after the exchange of Contracts then the deposit is forfeit and action may be taken by the Seller for Breach of Contract. If the Seller refused to complete, the Buyer may take action for Breach of Contract.

After exchange of Contracts you can make the necessary arrangements for your removals and contact the appropriate Service Boards to have your meter read on the completion date. If you have a telephone and are moving locally you may wish to contact British Telecom or Telewest Communications to arrange for the transfer of the number to the new address. It is not advisable to make any of these arrangements until after Contracts are exchanged, unless the completion date comes very shortly after the exchange date.

Mortgage

Your sellers are not under a duty to disclose any physical defects in the property to you and you should therefore arrange to carry out your own survey of the property. We would recommend that you do not simply rely on your mortgage company's valuation because although this may be expressed to be a survey it is, in fact, merely a valuation for the benefit of your mortgage company only. If any works are required to the property as a result of an adverse survey, we would advise that you speak to your lender and obtain estimates as soon as possible via the estate agents. It will be your responsibility to satisfy yourself that the works have been carried out and acceptable to your lender prior to completion. If you confirm to us that the work has been done we will be happy to arrange a re-inspection, if necessary, but we regret that we are unable to deal with contractors directly.

In most cases, this firm will also be instructed to act for your Lender and we must comply with their instructions which will accompany your mortgage offer. We will report to the Lender on the property and on any other material matter affecting the loan. (If there is any conflict, we would not be able to act for both you and the Lender).

Upon sale if you have a fixed rate mortgage or have received a discounted mortgage we would advise that you contact your lender to see if any penalties will be incurred should you redeem your mortgage before a certain date. It is your responsibility to ensure that the early penalty/portability conditions are adhered to.

Surveys

When a Mortgage is being obtained the Bank, Suilding Society or other such Institution will have carried out at your expense a Mortgage Valuation. It is also wise for a more comprehensive Survey to be arranged, either a House Buyer's Report or a full Structural Survey.

It is important to note the Lender's Valuation Report is for the Lender and is only required by the Lender for confirmation that the property is adequate security for the Loan. Thus a not very detailed report would be carried out if the Buyer was paying £100,000.oo but the Loan was only for £15,000.00. In addition, as the Lender's Valuer does not have a Contract with the Buyer, following recent cases, it would be difficult for the Buyer to successfully sue the Lender's Valuer should the Lender's Valuer have been negligent in preparing the report.

For an additional fee it may be possible to arrange for the Lender's Valuer to carry out a more detailed Survey and Report at the same time as the Mortgage Valuation. A "House Buyer's Report and Valuation" is a concise and economical report on the condition of the property and includes a Valuation. The Surveyor will inspect the main structure including roof space, if accessible, and drainage. A "Full Structural Survey" is particularly useful for old or large properties.

The Surveyor will report on everything that is visible, the outside of the roof will be examined and a sample of floorboard will be taken up where practicable. The Survey will cover the structure of the building, outbuildings, nearby trees that may be the cause of damage and the services and drainage. In either case the Surveys may suggest that there should be further tests, for example if wet or dry rot is suspected or a defective damp course. We can put you in touch with an independent Surveyor or ask your Lender's Surveyor to carry out a further Survey on your behalf. We can also put you in touch with Specialist Firms providing other necessary reports.

You must always rely on your own and more importantly your Expert's Report and inspection of any property which you are considering purchasing. If there are any problems they must be discovered before exchange of Contracts so that you are in a good position to re-negotiate the terms of the transaction or, if necessary, to withdraw. Nothing can be done about any defect which you discover after the exchange of contracts as the seller is under no legal obligation to compensate you. For these reasons we strongly recommend that you consider having at least a House Buyers Valuation.

Buildings Insurance

Once Contracts are exchanged the property becomes the Buyer's Insurance risk. If a Mortgage is involved the Lender will make it a condition  of the Loan that the property is insured and will usually offer to arrange the cover. The buyer will of course be responsible for the payment of the premium which may be unnecessarily expensive if it is added to Mortgage and attracts the payment of interest. In the case of a cash transaction it is imperative that the insurance be arranged to take effect immediately after Contracts are exchanged. We will ask that you provide us with details of your policy before exchange of contracts can take place.

Contents Insurance

If you are buying a property with the assistance of a Mortgage, the insurance, which will be arranged by the Lender, usually covers only the bricks and mortar of the property. It is essential that you, manage to cover your contents, Basic Contents Insurance covers the contents of your home if they are stolen or damaged by natural disaster over which you have no control under a basic policy you can claim only the second-hand value of the goods, Some Policies provide new for old with accidental damage and all risks cover. These are more expensive but will cover the cost of replacing the lost or damaged items at today's prices, you must however, ensure that the value of your Contents Insurance covers the replacement cost. If you are under insured then in the event of a claim the Insurance Company will apply what is known as "averaging" and will pay only a proportion of the claim. For example, if the Insurance Company consider that you have only valued your content at half of the value or replacement costs, then they will pay only half the claim meaning effectively you will receive only a quarter of the value of replacement cost. Again, you should contact your Financial Advisor for full advice on all aspects of Contents Insurance.

A Buyer should also be careful when purchasing a Leasehold flat. If the Landlord is responsible for insuring the building it may not be the Landlord's responsibility for Insuring the interior surfaces of the walls, floor and ceiling to the flat. In this case the Buyer should check whether these can be included on his Contents Policy.

Final Formalities

On exchange of Contracts a completion date is fixed, this is usually in between two and four weeks after Contracts are exchanged but is a date to be agreed between all parties involved. The buyer and the Seller will be asked to sign the final documents prior to the completion date so that they are available for handing over on the completion date, the Purchase Deed is normally called a "Transfer". If the purchase transaction is being financed by a Building Society or similar organisation we will normally be instructed to prepare the Mortgage Deed and ensure that they are signed and that the Loan monies are available on completion. The Signed Mortgage Deeds must be in our possession before the Loan monies can be used for the purchase of the new house.

Completion

The completion date is the day on which the Buyer's Solicitors hands over to the Seller's Solicitor the purchase monies less the deposit paid on the exchange of Contracts and in return receives the Title Deeds. The Buyer is then able to move into the new property. A Seller should not part with the keys to the property until completion has taken place and his solicitor has received the balance of the purchase money. For convenience, it is often best for the Seller to leave the keys with his/her Estate Agent (if any) and for the Estate Agent to be instructed not to release the keys until the Seller's Solicitor advises him that completion has taken place.

Post Completion

There are further formalities requiring attention after completion.

In the case of a purchase it is necessary to produce the Purchase Deed to the Inland Revenue to pay any Stamp Duty which is due. Stamp Duty is paid by the Buyer and if you are a Buyer it will be shown in the Completion Statement which we prepare and send to you following exchange of Contracts. After the Deeds have been stamped an application to the Land Registry is made to register the change of ownership. This may take several weeks for the Land Registry to sort out. Registration attracts the payment of a fee which again is calculated In accordance with the purchase price This fee is also paid by the Buyer and again, if you are the Buyer, it will be shown in the Completion Statement.

Eventually the Deeds are returned to us and in the event of there being a mortgage, are passed onto the lender to be retained until such time as the Mortgage has been repaid. In the case of a sale any outstanding Mortgages must be discharged out of the sale proceeds before we account to you for the balance. Some mortgage lenders no longer require the title deeds to be deposited with them following dematerialisation. You may wish us to hold your deeds in our storage facility for safe keeping or alternatively we can forward the documents to you. It is advisable that the deeds are held by us in case the documents are lost or destroyed Whilst in your possession as they will need to be produced to your solicitor in the event of a future sale.

You may wish to surrender an existing Life Insurance Policy upon completion of a sale, before doing so however, we would recommend that you speak to your Financial Advisor regarding the advisability of surrendering such Policy. It may be in your long term interest not to do so.

Estate Agents Account

In the event of a sale it is normal for the Estate Agent to forward to us his account for payment and this is usually paid by us out of the proceeds of the sale unless we receive your written instructions not to do so. Some estate agents contracts contain a clause regarding an early payment discounted commission rate. Please ensure that you read your contract carefully and should it contain a clause to this effect you must advise us immediately and provide us with a copy of the contract. We cannot accept any liability for late payment of your account if we are not made aware of such clause.

Confidentiality

The information which we hold in connection with any business undertaken on your behalf is confidential and cannot be communicated by ourselves to any party without your consent. There are times when we need to pass on information in your best interests, for example in the case of a purchase the Selling Agent may wish to know the progress of the transaction and whether your Mortgage has been confirmed. If such information is not given the Agent may consider advising the Seller to re-market the property.

Tax Implications

Whilst we will be dealing with the legal aspects of this transaction to ensure that the legal estate is transferred validly, we are not in a position to advise you on any possible tax consequences of the transaction. If you are concerned that there may be such consequences, we would strongly advise you to seek the assistance of an accountant or contact us and we can recommend you to a Financial Advisor whose services you may or may not wish to use.




Our Recommendation

Keith Park Solicitors have handled thousands of property transactions over the years. Their fees have been reduced in line with the latest online prices so you can rest assured you will get a professional service with value for money.

Click here to visit their website: http://www.kpsolicitors.com

Liverpool Solicitors




Friday, March 16, 2012

Guide to Student Health Insurance


Student health insurance is one of the most essential insurance plans for students education and medical facilities too. Education demands huge capitation fee, which would not be affordable to most of the students. Especially if it is to be completed in the most reputed university, the demand would be more. At such critical situations student health insurance plans would work well. There are two options for this,


international travel insurance
student insurance(for the country where the education is to be continued)


What so ever the health insurance plan you choose, decide it priory to be clear of the terms and condition they are applicable to.

International Travel Insurance:

This policy is generally purchased in our home country. The coverage would include,


Available medical services.
Doctors' list
Native language speaking doctors
Expenses for your medications and other hospital fee.
Diagnosis payment.

The disadvantages of this insurance plan is that, you have to spend in your money for any disaster and later produce receipts and bills to claim your amount from the company. This would take time to be sanctioned. This is the most disrupting part of this health insurance policy.

Student insurance:

This would require the student to pay only a percentage of amounts at the medication or other diagnosis steps. This would be helpful at times where serious complications commit demanding huge sum of money.

Selecting good student health insurance plan

The serious problem that every student gets into with this plan is that after graduation they find it difficult to integrate the plan with their family plan. The three main plans that could be adopted to avoid such difficulty in integration would be,


Parents focused student health insurance plans
College-sponsored insurance plans designed for on-campus health care
Commercial student health insurance plans.

College-sponsored student health insurance plans designed for on-campus health care

This insurance plan at college would be easy to access. This includes coverage for pre-existing conditions. It also incurs very little cost. However, the problem would be that they are not available when the health complaint is outside the state where the college is situated. This would never be applicable for most serious medication problems demanding huge amount. No coverage outside US.

Commercial Student Health Insurance Plans
These are mainly used for larger expenses. It would be the most appropriate plan as they include both national and international coverage. It involves no individual enrollment. Online Enrollment is possible. Fastest health insurance policy ever heard. Payment for this particular policy is done month-to-month. In addition, any medical provider can use this health insurance policy.

Importance of Student Health Insurance

In certain Universities as a condition of enrollment, all students enrolled in nine or more credits per semester, must have taken an health insurance. This was mainly enforced to better protect students and their associated family members from the extraneous cost associated with medical problems.




Many people consider that finding health insurance are for those who fall ill often and those who do risk filled jobs.

However, the truth lies in the way when sudden blow of health hazard occupies one of our family members leading to consecutive problems in economy and normal life.

Having a Healthinsurance is a must. Browse [http://www.myinfo-healthinsurance.com/] to get more Information about Healthinsurance.




Insurance Marketing Agencies - Insurance State Data Information Guide to Sell Insurance


Like insurance marketing agencies, each state also has its own personality. Analyzing insurance state data information, reveals where it is easier to sell insurance. This information is a guide to where insurance marketing agencies get best results for obtaining general insurance brokers and why.

Some states have loads of agents and brokers that are very friendly and open to new insurance opportunities. Other states seem locked in a time zone 5 years behind independent thinking states. Many factors, including state date information and census bureau analysis show how hard it is to get the attention of brokers, independent agents, and general agents to respond to your mailing offer. Insurance marketing agencies must concentrate recruiting and mailing to certain states that will definitely pay off. Using this guide is a great way to maximize your marketing budget and ultimate advanced marketing production results.

On the top 3 states it is: Florida, #1, California #2, and Texas #3. The #4 through #10 top insurance product marketing states are covered below.

OHIO, Rating #4

Finally, the first state that is not on the border or coast. The same land-locked trend is true of these next states on this page. Ohio we call "the profit potential state". Our feedback from agent recruiting firms, using our lists is overwhelmingly favorable for over 20 years straight! The recruiting secret why results can be obtained almost immediately: Ohio has four distinct agent population districts instead of just one or two. This geographic factor makes it hard for a particular insurer to monopolize the entire state. The four metropolitan areas are Cleveland, Columbus, Cincinnati, and Dayton. Where do you set up your recruiting operation? Wherever it is, is also the likely location of most of your recruiting effort.

Factories with unions providing employee benefit plans are rather prevalent. Nonetheless, Ohio it is still a strong state for group and work site benefit plans. The Ohio agents that are with a major career life insurance company, are much less loyal than in most states. That means to you, the recruiter, they broker business to recruiting firms properly baiting their hooks. It also means a huge need for attractive brokerage products, expanding well beyond life insurance.

GEORGIA, Rating #5

Like most southern states, debit agents used to have an enormous impact on the insurance agents. These agents sold very small life insurance policies, and have established routes, where weekly or monthly they pick up the premiums directly from their clients. These agents were employees of the company, which means that when they left, so did their renewals which were not vested. The old route was simply passed on to another rookie agent to handle. Needless to say, low-income potential, high training costs, and modern banking policies have pretty much decreased debit life insurance company presence to a minimal factor nowadays. Georgia is split in two zones, 55% of the licensed agents in the Atlanta Area, Zips 300-303, and 45% for the remainder of the state. Our Georgia advice: Stay OUT of Atlanta. These Atlanta agents are bombarded with almost daily insurance solicitations for insurance products by fax, email, telemarketing, and direct mailing. The quality selected, outside Atlanta, area agents seem excited to receive a direct mail piece offering a genuine opportunity. Make your move to reward yourself with a sweet piece of the Georgia pie

WISCONSIN, Rating #6

There is no doubt that Wisconsin is a dominant Fraternal Life Insurance Company state. Their fraternal agents offer "certificates" instead of polices to "members" instead of clients. The Fraternal Organization holds benefit events for hard stricken members, and may be formed around a common work trade, religion, or life concept. The menu of products offered by Fraternal insurance companies is rather small. This gives the secret to Wisconsin recruiting: Fraternal insurance agents are exceptionally brokerage minded. The average number of outside companies a Wisconsin "broker" is licensed with, far exceeds the national agent average. As the state of Wisconsin is somewhat overlooked, its has over 10,000 agents that have already contracted with at least one outside carrier. Your carrier should be the next one they consider.

MINNESOTA, Rating #7

The state of Minnesota possesses many of the valuable marketing characteristics that Wisconsin has. In the land of ice and snow and lakes, it also has many fraternal life insurance agents. Consider this fact. Many large insurance brokerage orientated insurance companies have regional recruiting directors. In the Midwest, this central hub is Chicago, Illinois. This means 70% of their recruiting time and budget is conveniently located in that recruiting hub, even though the region includes other states like Wisconsin, Ohio, Michigan, Minnesota, or more. Our recruiting tip - Keep your recruiting dollars outside of a recruiting 'hub'. Also giving less attention to Minneapolis/St Paul will produce more solid leads. The competition pressure is low, so your results could boil over the top.

NORTH CAROLINA, Rating #8

North Carolina agents may carry a heavy accent, but they also carry a heavy brokerage swing that can easily hit you a couple homeruns. Usually the internet interest in brokers seeking marketers is closely aligned with the number of recruiters in this insurance marketing territory seeking brokers. In North Carolina, this scale is tipped drastically in a different direction. Good North Carolina brokers are looking for insurance marketing firms! We have noticed that North Carolina gets one-third the recruiting solicitation that Georgia does, and one-half that of Tennessee. Part of this credit goes to cities like Greensboro, Charlotte, and Raleigh, that all have good agent bases. This is unlike Atlanta or Nashville with sole agent population center domination. By recruiting top-notch North Carolina agents, you have so much to gain, plus one giant bonus point. The brokers in North Carolina are more loyal to a marketing firm that treats them right than anywhere else we have seen.

MICHIGAN, Rating #9

In Michigan lets look at the negatives first. The large presence of automobile and automotive supplier unions, among others has virtually wiped out the group insurance market. Some individual major medical potential exists but with Blue Cross being so dominant, and offering such paltry commissions, it hardly makes the market worth pursuing. Another drawback is that the metro Detroit area contains over half the agents and over half the population. The plus factors include the well-off union retirees who have moved outstate, the non-presence of insurance marketing hubs. This is further enhanced by the poor job career life companies have done helping agents overcome early career obstacles. Our tip is look for agents with at least 6 years experience. The metropolitan Detroit area is very good for advanced life and annuities directed at the professional market. However, observe the constant sways and effects of the economy in this metropolitan area. The out state area is prime for long term nursing care. Don't zoom by the motor city state.

MISSOURI, Rating #10

Close to a tie with Michigan is Missouri, but still making the top ten round out. However, the state is very different, with very few unions and a median family income $3,000 below the national average. In this state, the good parts of Midwest agent personality; start to blend with some Southern Hospitality. It is surely a good show me state, where an abundance of independent and semi-independent agents know that show me a good product offer and I might be interested is a winning combination. The sufficient senior citizen base in the state would have to be rated good for long term nursing care, whereas the lower income could be a slight drawback to over sophisticated annuities. KISS - A Keep it Simple State.




Well published author, Don Yerke likes to concentrate on what you don't know or what no one else dares to print. Tell it like it is.

Watch for his new paperback book debuting on Amazon early this summer. It is loaded with great insurance marketing and recruiting information.

Come and get your FREE "Think and Grow Rich" Ebook by Napoleon Hill instantly. The website address is [http://www.agentsinsurancemarketing.com]




Wednesday, March 14, 2012

Insurance Companies Listings and Ratings Guide For Insurance Agents & Brokers


Here is the newest, revised version of the best insurance companies listings. These are compiled in a top 100 ratings guide format. The listings are in alphabetical order helping insurance agents & brokers locate an insurer. Find out how your opinion compares. How can you possibly rate an insurance company? I will mention briefly the various ways, show you the method I is used for this article, and why.

BY NUMBER OF AGENTS

This ratings guide listing method evaluates the insurer by the sheer number of insurance agents & brokers currently licensed and under contract. with carrier. I feel this evaluation to be worthless for a multitude of reasons. First of all there are a number of career health and life insurance agencies that have thousands of representatives. However, of these,up to 80% of the total agents are relatively new in attempting to establish credibility in the industry. Four years down the line only 6% of many an insurance company agency force will maintain enough production to stay career representatives.

Moreover, my findings uncover inaccuracy of this method due to licensing renewal process state insurance departments impose on the insurer. Most state departments of insurance send the renewal report forms on a yearly basis. There is a fee to be paid by each ins agent renewed. What makes it difficult is the variation of different paperwork procedures by individual states for removing non-active ins reps. The paperwork consists of costly, time consuming forms and procedures for the insurance company to make any changes. Renewing all the sales representatives is often cheaper, and thus the route the insurer frequently takes. This also gives the insurance company bragging rights to how many sales people write for them.

Personally I was shown in state insurance department records as licensed for 11 years after I wrote my last case.

INSURANCE CO FINANCIAL RANKING LISTINGS

There are four or five top independent firms that employ this insurer rating of a company based on a multitude of financial factors. A lot has to do with projecting the financial stability of the insurer. This is accomplished by closely dissecting past and present financial history. It covers how the insurer investments perform, and the rate of return. An insurance evaluation also takes in consideration the amount of cash on hand, and how much exists in reserves to pay present and future claims.

There is a consensus among life insurance association members into believing that the highest rated insurers are the best of the bunch. Yet association members make up less than 12% of the total producer base. The other insurance agents and brokers, (the majority), do not agree that these are always the best ones to use for their client's needs. Logic tells you that a newer quality insurer does not have past history to start out top ranked. In my situation, clients bought what I presented them. Nearly half the time it was NOT the highest rated company by the rating firms. I however sold the client what their emotional needs demanded. Many past insurance companies with rankings in the best 100 later financially failed, and still frequently do in today's world.

BY RANKING OF PREMIUMS COLLECTED

This is a very common type of insurance company listing & ranking to produce. Insurance companies are rated by total number of premiums they collected that year. It seems rather unfair to mix annuity premiums in with all dollars collected. Producers know it is easier to sell a $20,000 annuity than a $20,000 premium term insurance policy. The other fault I find with using total premiums collected is with who actually contributed a chunk of the premiums collected. With some companies an enormous amount of these premiums were not collected by the average sales person. A lot of institutional buyers directly bought hundreds of thousands of dollars of annuity premiums.

BY RATINGS IMPORTANT TO HEALTH & LIFE SELLERS

This is my way. As fair and balanced from an sales representative perspective as feasible. Premiums are collected from the 1,500,000 agents, trying to make a living by selling insurance policies in this industry. Often these sales are done one by one. Plus, of this 450,00 independent brokers, semi-independent agents and some career reps write, depending on which company, 50% to 100% of that insurance co business.

This rankings method is imposed because I find the insurance companies listing is intended to be a beneficial directory. One that independent brokers, semi-independent representatives, along with some career reps can turn to. This is a guide directory to other insurers that you may consider writing production for.

The insurance companies listing and ratings guide to the top 100 is purposely placed in alphabetical order instead of by premium or financial data. You may not agree completely with the listing, because we have left in some companies with a strong percentage of business sold in annuities, and investment products.

In the eyes of a typical health and life broker, this guide is of health and life insurance companies is about as accurate as possible.

1. Aetna 2. AIG Life Insurance Company** 3. Allianz Life Insurance Company of North America 4. American Family Life Assurance Co of Columbus 5. American Fidelity Assurance Company 6. American General Life and Accident INS Co** 7. American General Life Insurance Co** 8. American Income 9. American Memorial 10. American National Life 11. Americo Financial Life And Annuity 12. Anthem Blue Cross 13 Aurora National Assurance 14 Aviva Life and Annuity Company 15. AXA Equitable 16.Bankers Life and Casualty Company 17. Banner 18. Beneficial Life 19. C.M. Life Ins 20. Colonial Life & Accident 21. Columbus Life 22. Conseco Life 23. Farmers New World 24. First-Penn Pacific 25.Forethought 26. General American 27. Genworth 28. Gerber 29. Great American 30. Great-West Life & Annuity 31. Guardian 32. Hartford Life and Accident Ins Company 33. Hartford 34. Homesteaders 35. Indianapolis Life 36. ING 37. Jackson National 38. John Hancock 39. John Hancock Life Insurance Company USA 40.. Kansas City Life 41.. Lafayette 42.. Liberty Life Assurance Co of Boston 43.. Liberty National 44.. Life Ins Company of North America 45. Life Ins Company of the Southwest 46. Life Investors Ins Co of America 47. Lincoln Benefit 48. Lincoln Heritage 49. Lincoln National 50. Massachusetts Mutual 51. Metropolitan 52. Midland National 53. Minnesota Life 54. Monumental Life 55. MONY - America 56. MONY - New York 57. National Guardian 58. National Life 59. New England Life 60. New York Life Ins and Annuity Corporation 61. New York Life 62. North American Co for Life & Health Ins. 63. Northwestern Mutual 64. Ohio National Life 65. OM Financial 66. Pacific Life 67. Penn Mutual 68. Phoenix Life Ins 69. Primerica 70. Principal 71. Protective 72. Provident Life and Accident 73. Pruco 74. Prudential - America 75. Reassure America 76. Reliance Standard 77. ReliaStar 78. Riversource 79. Security Life of Denver y 80. Standard 81. Stonebridge 82. Sun Life and Health 83. Sunset 84. Surety 85. Symetra 86. Transamerica 87. Transamerica Occidental 88. Trustmark 89. U.S. Financial 90. Union Central 91. Union Security 92. United Healthcare 93. United Ins Company of America 94. United Investors 95. United of Omaha 96. United States Life 97. Unum 98. West Coast 99. Western and Southern Life 100. Western Reserve Life Assurance Co of Ohio Note: Sagicor Life, Foresters, and Illinois Mutual should appear on the bottom 3 listings, replacing the companies listed above as #6, 2, and 7.

**AIG Life Insurance Company, American General Life, American General Life and Casualty Comments

This group of companies USED to be one the highest premium generating, and highest ranked insurance companies in the United States. Still, after two massive Federal Bailouts, the future is uncertain. Therefore, AIG Life is no longer deserving of being on this top 100 list guide.

GUIDE TO QUESTIONABLE LIFE INSURANCE COMPANY LISTINGS

The following insurance companies listings often could be included in different types of some top 100 Life ins company rankings IF you were evaluating premiums written. Sometimes the premiums consist of considerable amounts of annuity premiums. Also counted in would be insurers where a large portion of sales do not come from representatives and sales people. Instead it is written by security stock brokerage firms, and independent broker-dealers of variable investment contracts not governed by insurance departments. In other cases, products may be directly strictly toward teachers, the military, or credit unions. In a couple cases, there are companies with pending litigation. A representation of this mix of insurers is listed below:

1. Cuna Mutual 2. Genworth Life and Annuity 3. Harford Life and Annuity y 4. John Hancock Variable Life 5. Mayflower National 6. Metlife - Connecticut 7. Metlife Investors USA 8. MML Bay State 9. Nationwide 10. Nationwide Life & Annuity 11. NYLife of AZ 12. PHL Variable 13. Sun Life Assurance Co of Canada 14. Teachers Ins and Annuity Assoc of America 15. USAA 16. Shenandoah -- financial difficulties

There is a grand total of over 600 Licensed Life/Health Companies "active" in every state of the United States. However, some are not currently writing new business. In addition, there are many active in only one or a few states, so you will find them missing from the top insurance company listings. Most states have a true actual listing count of 220 to 330 life and health home offices currently accepting new cases from licensed agents & brokers.

Advisor's predition. If I choose from the provider listings above, Foresters would be my top pick as the next rising star. Its innovative niche products are starting to create a high demand. Also watch Genworth, its stock value has zoomed and the company is very adaptive to market opportunities.




Well published author, Don Yerke likes to concentrate on what you don't know or what no one else dares to print. Therefore, he enjoys telling it like it is.

Watch for his new paperback book debuting on Amazon early this summer. It is loaded with great insurance marketing. brokerage, and recruiting information.

Come and get your FREE "Think and Grow Rich" Ebook by Napoleon Hill instantly. The website address is [http://www.agentsinsurancemarketing.com]




Tuesday, January 17, 2012

The Real Estate Mom's Back to School Guide


As a long summer of lazy unstructured afternoons comes to an end, Real Estate Moms all across this nation celebrate the return of routine in their families. In order to prepare for that event, you You have inventoried the kids' closets, had them try on their shoes, collected the supplies needed by the new teacher and received the school calendars. How can you as a real estate agent and as a mom get off on the right foot this school year?

There is no doubt that you need to make a little extra time during those first few weeks to get everything heading in the right direction with the kids. Here is a quick back to school guide that will help you to keep the necessary focus on your business while helping your children have a successful start to the school year.

Schedule for Peace of Mind

One of the most important aspects of getting all of your goals accomplished as a real estate agent is planning and scheduling. This folds into the "mom" part of your life as well. It is important to know how to blend both the business and personal parts of your life. For example, your calendar, such as Top Producer or some other contact database software, is a key instrument for you to use in organizing your business. Not only should you use it to plan your client meetings, but you must also use it to schedule those important events for your child such as parent/teacher meetings, recitals and pick-ups from school.

When you keep your family and work calendars separate, you will inadvertently schedule a meeting with a client, over a child's school activity and vise versa. By color coordinating all of your Realtor appointments and mother appointments on the same calendar you can easily see where your focus is on a daily basis. By syncing your Top Producer with your Treo, you will have all of your appointments, work and personal, with you wherever you go.

Organizing For At Home Success

Next, use your Top Producer system to keep you organized. Take a few minutes to record the teacher's contact information. Most real estate agents would not leave home or the office without having all of their client's information in hand and it's vital that all necessary information for your child's school be in your electronic calendar as well. Include the school's phone number and any direct teachers' numbers, email addresses and details that you need.

Establishing Routine as A Real Estate Mom

One of the most crucial times for you to establish family routines is during those first weeks of school. Set up such things as the after school routine with homework, snacks, and chores. My daughter has her "daily five" that she needs to do everyday after school that includes homework, cleaning her room, cleaning her bathroom, unloading the dishwasher and feeding the dog. Once the foundation of this time of the day is set and becomes a habit for your child, you are more able to focus on your job as a real estate agent with minimal time following up on the "daily five." Getting them into a routine will also create lasting habits in your children

Your job and your clients can be demanding. That doesn't need to stop you from being a good parent and getting your home life in order. Take the time necessary to organize each of these aspects of your life, by being a real estate agent and being a mom. Spend some time planning, organizing and scheduling by doing the things listed here. A little extra effort now will help in creating a great school year for your child, yourself and your business.




Real Estate and Life Coach Cheri Alguire has partnered with hundreds of Real Estate Professionals to help them become more successful in business and in life. Coach Cheri offers Group Coaching for Moms, Working Mothers and Pregnant Women in Real Estate, on how to balance careers with family responsibility. Learn more at www.realestatemoms.com, and visit Coach Cheri's Real Estate Moms blog at www.realestatemoms.com/blog.




Tuesday, December 20, 2011

A Tourist Guide to Canada's Yukon


1. Yukon

The Yukon, the vast, rugged, thinly populated expanse of land located above the 60th parallel in northwestern Canada which shares its border with Alaska and accurately earns its self-proclaimed slogan of "larger than life," is a topographically diverse, serenely beautiful, and intoxicatingly attractive territory of barren, treeless plains, boreal forests, rugged mountains, glaciers, and mirror-reflective lakes and rivers inhabited by Canada's First Nations people and abundant wildlife. Because of its high latitude, it experiences more than 20 hours of daylight in the summer, but fewer than five in the winter, replaced, instead, by the northern lights known as the "aurora borealis." Aside from the major "cities," most communities are only accessible by floatplane or dogsled.

The Yukon's history is, in essence, that of the Gold Rush. Sparked by the August 16, 1896 discovery of a gold nugget in northwestern Canada at the confluence of the Yukon and Klondike Rivers, it began when some 100,000, seeking wealth and adventure, set off on what had later been designated the Klondike Gold Rush Trail between 1897 and 1898. The event, which produced an instantaneous population boom and ultimately shaped the territory, traces its path to five significant locations in both the United States and Canada.

The first of these, Seattle, Washington, had served as the gateway to the Yukon. Advertised as the "outfitter of the gold fields," it sold supplies and gear stocked ten feet deep on storefront boardwalks, grossing $25 million in sales by early-1898, and was the launching point for the all-water route through the Gulf of Alaska to St. Michael, and then down the Yukon River to Dawson City. Despite the high fares, which few could afford, all passages had been sold out.

Dyea and its Chilkoot Trail, the second location, had provided a slower, more treacherous, alternate route, via the 33-mile Chilkoot trail which linked tidewater Alaska with the Canadian headwaters of the Yukon River.

Skagway, Alaska, the third location, quickly replaced Dyea as the "Gateway to the Klondike" because of its more navigable White Pass route which, although ten miles longer than that of the Chilkoot Trail, had entailed a 600-foot-lower climb. The trail, quickly destroyed because of overuse, had ultimately been replaced by the White Pass and Yukon Route Railroad whose construction, financed by British investors, had commenced in May of 1898 and had extended to the White Pass Summit by February of 1899, Bennett Lake by July of 1899, and Whitehorse by July of the following year. Skagway itself had been metamorphosed from a cleared, tent-dotted field to boardwalk-lined streets sporting wooden buildings with 80 saloons in the four-month period between August and December 1897.

At Bennett Lake, the fourth location, 30,000 stampeders awaited the spring thaw, constructing 7,124 boats from whipsawn green lumber and launching their flotilla on May 29, 1898, fighting the Whitehorse rapids before following the Yukon River to Dawson City.

Dawson City itself, the fifth location, had been the site of the first gold nugget discovery and had begun as a small island between the Yukon and Klondike Rivers hitherto only occupied by the Han First Nations people, but exploded into Canada's largest city west of Winnipeg and north of Vancouver with up to 40,000 gold seekers covering a ten-mile area along the river banks. Thirty cords of firewood were used to burn shafts through the permafrost to the mines themselves. Of the 4,000 who actually discovered gold, only a few hundred ultimately emerged "rich."

2. Whitehorse

Whitehorse, the Yukon's wilderness capital on the banks of the Yukon River with a population of 23,000, had itself been shaped by the gold rush and the transportation means which developed to facilitate it. Named for the rapids on the Yukon River, which resembled the flowing manes of charging white horses, the area had first served as a fishing encampment of the Kwanlin Dun First Nations people. In 1987, the tent-comprised Canyon City served as the operational base of a horse-drawn tramway which, for a fee, carried people and goods, particularly gold rushers, round the treacherous White Horse Rapids on log rails.

Three years later, in 1900, the tracks of the White Pass and Yukon Route Railroad reached the city, today the only international narrow gauge railroad still operating in North America, and passengers transferred to the extensive riverboat service, which completed the journey to Dawson City by the Yukon River.

In 1942, the US Army completed the 1,534-mile Alaska Highway in a record eight months, 23 days, and Whitehorse had been incorporated as a city in 1950. Three years later, it replaced Dawson as the capital of the Yukon.

Whitehorse itself is accessible by multiple travel modes. The paved Alaska, Haines, and Klondike Highways provide road access within the territory and to Alaska, while the gravel Dempster Highway connects Dawson City with Inuvik above the Arctic Circle in the Northwest Territories. The Alaska Marine Highway and multiple, daily cruise ships serve Skagway and Haines, Alaska, during the summer season. The White Pass and Yukon Route Railroad connects Skagway with Fraser and Bennett Lake, British Columbia, with service soon to be extended to Whitehorse. And the Whitehorse airport offers daily service, via Air North, Air Canada Jazz, First Air, and Condor, to Yellowknife, Dawson, Fairbanks, Vancouver, Edmonton, Calgary, and Frankfurt, Germany. Floatplanes provide remote community access.

The story of Whitehorse can be traced by its many diverse sights and attractions.

The MacBride Museum, for instance, toted as "Yukon's first museum" and housed in a log structure with a sod roof, had been established in 1951 by historian Bill MacBride in order to explore the Yukon's history. It features stuffed wildlife in its upper gallery; "Rivers of Gold," an exhibit depicting Yukon prospecting and placer mining since 1883, and Yukon's First Nations people, in its lower gallery; and early copper mining equipment, blacksmithing, and Sam McGee's original, 1899 cabin in one of two outside exhibition areas. The other contains overland stages used by the White Pass and Yukon Route between Whitehorse and Dawson, an 1895 Northwest Mounted Police Patrol cabin, and Engine number 51, built in 1881 and used on the White Pass and Yukon Route Railroad seven years later in 1898.

The Old Log Church Museum, an Anglican cathedral built in 1900, is one of the oldest buildings in Whitehorse and tells the story of the early Yukon missionaries, including that of the priest who survived a winter expedition by eating his own boots for sustenance.

Perhaps the most popular sight, and one which serves as the very city symbol, is the S. S. Klondike, a National Historical Site of Canada. The largest of the 250 sternwheelers to have plied the Yukon River at 64 meters long and 12.5 meters wide, it had been constructed in 1920 by the British Yukon Navigation Company, a subsidiary of the White Pass and Yukon Route Railroad, in the city of Whitehorse itself, and had been an integral part of the inland water transportation system which connected Whitehorse with the remainder of the territory and hence served as the principle element of its own growth.

The design, which traced its lineage as far back as 1866 when the first such steam-powered riverboat reached Selkirk, the S. S. Klondike I, with a 1,362.5-ton gross weight and powered by two 525-hp compound jet-condenser engines, had featured a revolutionary hull which enabled it to offer 50 percent more cargo volume than previous configurations without sacrificing shallow draft instability, enabling it to accommodate more than 300-ton loads for the first time, along with 75 first and second class passengers. Of its three decks, the first, or main, deck housed the engines, boilers, and cargo; the second the lounge, communications office, dining room, galley, and sun deck; and the third the bridge and the crew quarters.

Succeeded by the dimensionally identical Klondike II after the initial vessel ran aground in 1936, itself completing the 460-mile downstream run from Whitehorse to Dawson in 36 hours with only one or two wood-replenishing stops, it had been operated as a cargo boat between 1937 and 1952 and had ultimately been converted into a small cruise ship for service until 1955.

The current dry-docked boat appears in its 1930 guise.

The Whitehorse Train Depot, which replaced the originally constructed, but later fire- consumed structure, reflects the typical western Canadian architecture of the early 20th century, although alterations had been made during World War II and during the Alaska Highway project. After scheduled railway service had been discontinued in 1982, the Yukon government had purchased the building and restored it, its passenger waiting room now reflecting its 1950s heritage.

The Whitehorse Waterfront trolley, using the narrow-gauge White Pass and Yukon Route Railroad tracks and paralleling the Yukon River with stops at Rotary Peace Park, the Tourist Information Center, the White Pass Train Depot, Wood Street, Shipyard's Park and Kishwoot Station, and Spook Creek, provides an excellent introduction to the city, using a single trolley car, number 531, for its hourly round-trip service.

The car itself, in its original yellow color scheme, had been partially built by the J.G. Brill Company of Philadelphia in 1925 for the Lisbon Electric Company which subsequently assembled the kit in its Santo Amaro shop. Of the 202 cars constructed there, 24 had been of the car 531 type.

Trolley 531 had operated in Lisbon until 1976, at which time it had been acquired for the Lake Superior Museum of Transportation in Duluth, Minnesota, where it remained until the Yukon government had purchased it in 1999. Flatbed truck transport, through bitter cold and ice, enabled it to reach the White Pass and Yukon Route engine restoration shed in Whitehorse on January 6, 2000.

The double-ended tram car, with controls at either end, has two 25-hp General Electric motors and two k.3 controllers, and had been intended to operate off of overhead electrical lines with a power pole, but the lack of such facilities in Whitehorse necessitated the temporary provision of a trailer-installed electrical generator. The present 600-volt operation replaces its originally intended 550-volt current, and the installation of railroad wheels permits it to run on the White Pass and Yukon Route Railroad's 36-inch tracks, although it had been designed, with its original trolley wheel base, to utilize the narrower, 34.5-inch rail width.

Because of the equally standard-gauge body, it permits four-abreast, two-two, seating, sporting a varnished hardwood oak, mahogany, and cherry interior with original signs still in Portuguese.

The Whitehorse Rapids Fish Ladder and Hatchery, located five minutes out of town, had resulted from the late-1950s construction of the Whitehorse Rapids Hydroelectric Facility by the Northern Canada Power Commission. The Alaska and Klondike Highways, linking many communities and obviating the need for the then-vital sternwheeler river transportation system, ultimately led to the transfer of the Yukon's capital from Dawson to Whitehorse, and its population expansion could no longer be supported by the downtown diesel generator electricity method. Construction of the greater-capacity hydroelectric dam, commencing in 1956, formed Schwatka Lake, and this produced the city's first electricity two years later, in 1958.

Although the facility improved the quality of life for the human population, it proved the detriment to the salmon species in the river. Salmon had traveled up the Yukon River to spawn for thousands of years, laying their eggs in gravel which, after the winter gestation period, hatched into alevins in early-spring, and fed and developed in the cold, clear waters for up to two years. Swimming out to the ocean, they returned several years later to the exact location of their births to lay their own eggs and begin the process anew.

In order to circumvent the new hydroelectric dam and permit them to continue their life cycles, the world's longest wooden fish ladder, at 366 meters, had been built in 1959. Progressively rising in steps by 15 meters from the Yukon River to Schwatka Lake, it enables salmon to safely pass round the dam and continue their migration process.

A two-hour boat cruise on Schwatka Lake by the appropriately-named m/v Schwatka, a 28-ton, dual-decked, 40-passenger boat, provides an excellent introduction to Whitehorse's wilderness side and sails through Miles Canyon, the turbulent "Devil's Punchbowl," and the Yukon River itself.

Several interesting attractions are located along the Alaska Highway, up Two Mile Hill Road.

The Copperbelt Mining Railway and Museum, the first of these, provides a 1.8-kilometer figure-eight loop from its red McIntyre Station building through the skinny spruce forest, using an abandoned spur line of the White Pass and Yukon Route Railroad located in the historic Whitehorse Copper Belt mining district. Its two engines, 10- and 20-hp Loke diesels, were manufactured by the Jenacher Werks in Austria in 1969 and 1967, respectively.

The Yukon Transportation Museum depicts the territory's Gold Rush transportation heritage, displaying unusual travel modes associated with the north, from the snowshoe to the dogsled to the airplane. Exhibits include a Canadian Pacific DC-3 mounted on an outside pedestal; a full-size riverboat, the "Neecheah," and a steam locomotive. Inside exhibits include a gasoline-powered Casey car, which transported workers on the rails; a passenger car used by the White Pass and Yukon Route Railroad; a White Pass and Yukon Route Railroad model train layout; a Ryan B-1 Bougham designated "Queen of the Yukon," a sister ship to Lindbergh's "Spirit of St. Louis," which served as the first commercial airplane to have operated in the Yukon after its purchase from the San Diego factory by Yukon Airways and Exploration, Ltd., in 1927 for $10,200.00; dog sleds; a 1927 Chevrolet convertible; a five-cylinder Kinner engine; a Lycoming R-680 engine; a 1965 International Travelall ambulance; a welded steel frame from a Fairchild FC-2W2; a Smith DGA-1 "Miniplane" homebuild; a bus from the B.Y.N. Bus Lines; military vehicles, including a seven-passenger Dodge Carryall used by the US Army's Northwest Service Command during construction of the Alcan Highway; and a log rail tramway which used parallel logs as "tracks."

The Yukon Beringia Interpretive Center examines Beringia, a sub-continent of the last Ice Age which had been located in the Bering Strait and had encompassed Siberia, Alaska, and the Yukon. Although the remainder of Canada had laid under massive ice sheets, Beringia itself had been untouched by glaciers because of the 125-meter reduction in sea levels, producing tundra whose tough, dry grasses had supported a wide range of herbivores and carnivores.

The woolly mammoth, among them, had been the predecessor to the modern Asiatic elephant and the museum sports a full-size cast of the largest example ever recovered. The short-faced bear, which had been one foot taller than today's grizzly counterpart, had been the largest, most powerful land carnivore in North America during the last Ice Age. The museum also features a reconstruction of the 24,000-year-old Bluefish Cave archaeological site.

The earliest human inhabitants, following bison and mammoth herds 24,000 years ago, had migrated from western Beringia to current Canada.

3. Kluane National Park

One of four contiguous national and provincial parks, inclusive of the Yukon's 21,980 square-kilometer Kluane National Park, Alaska's 52,600 square-kilometer Wrangell-St. Elias National Park, Alaska's 13,360 square-kilometer Glacier Bay National Park, and British Columbia's 9,580 square-kilometer Tatshenshini-Alsek Provincial Park, Kluane National Park itself is topographically diverse, encompassing massive mountains, valleys, lakes, boreal forests, valley glaciers, and ice fields. Of the two mountain ranges-the Kluane and Icefield-the latter sports Canada's highest peak, Mount Logan, at 19,545 feet. The largest non-polar ice field in the world, a remnant of the last Ice Age, is also located here.

Of the two types of populations-human and animal-the former includes the Southern Tutchone people, who had previously lived a nomadic lifestyle, but continue to practice a culture which closely revolves round the natural world, and the latter includes grizzly bears, lynx, mountain goats, moose, wolves, black bears, caribou, coyotes, 180 species of birds, and the world's largest concentration of dall sheep.

Haines Junction, which is located two hours from Whitehorse via the Alaska Highway and serves as the national park's base, is a year-round, full-service village whose modern history began in 1942 with the completion of the Alaska Highway itself at Milepost 1016. A year later, a branch road, over the Chilkat Pass, connected it with Haines, Alaska, and Kluane National Park had been designated a preserve in 1972.

Its few sights, always flanked by the breathtaking, purple-hued St. Elias Mountains, include the Village Monument, a local wildlife sculpture; the eight-sided log St. Christopher''s Anglican Church; and the Our Lady of the Way Catholic Church, which had been constructed in 1954 from an old army Quonset hut remaining from the Alaska Highway project.

The ubiquitous slender, dark green spruce, encountered during my own tour of the national park, lined either side of the deserted Haines Highway, the vertical ridges of the St. Elias Mountains of Kluane National Park on the right side hues of purple, chocolate brown, and velvet-green at their bases. The silver surface of Kathleen Lake reflected between them.

Kluane National Park and the adjacent Wrangell-St. Elias National monument across the border in the United States had been jointly nominated to the UNESCO World Heritage List in 1979. Together, the properties present an unbroken, pristine natural system, with a rich variety of vegetation, patterns, and ecosystems.

The first stop of my own drive revealed a pebble beach, which, acting like a threshold, led toward the emerald green water of Kathleen Lake, bracketed on either side by tall, silent, fragrant spruce, the water itself interfacing with the green-carpeted mountain on the far side in seamless transition, taking the eye up to the brown, vegetationless top, from which a slender "s" of snow still snaked, a remainder of the long winter and short summer "pause" between the next frigid cycle. Since it had been August, that beginning had not been very far way in these northern latitudes.

The Kokanee salmon, living in the fresh water lake for the first three years of its life, swims the short distance to Sockeye Lake in the fourth year, at which time it dies. In the 1700s, the Lowell Glacier had surged across the Alaska River, blocking its drainage into the Pacific Ocean and thus creating an enormous lake. When the dam suddenly burst in 1856, the waters had been released in torrential floods, draining the basin.

Kluane National Park sports both glaciers of ice and rock, the latter formed in cold, alpine environments on mountain slopes. During the last 8,000 years, brittle bedrock shattered into fragments by the freezing and thawing action of the winter-summer cycle. Lubricated by meltwater and riding a core of glacial ice, a continually accumulating mass of rock slowly ground its way down the mountainside, forming rock glaciers.

The huge, deep blue of Dezadeash Lake, encountered at another stop, had been surrounded by considerably-distanced mountains, whose soft-curved, inverted bowl-like peaks had been reduced to gray and green, almost indistinguishable silhouettes in the early-afternoon beneath the high, unobstructed, gleaming sun. The sky had been a flawless blue.

Klukshu Village, dotted with tiny log cabins and a gift shop, had been an important place for many Champagne and Aishihik families, particularly during salmon-spawning season between June and September when king, sockeye, and coho salmon migrate up the river.

4. Conclusion

The Yukon, with its capital city of Whitehorse and wilderness Kluane National Park, indeed provides an interesting journey through its Gold Rush legacy and the transportation means which had developed to facilitate it.




A graduate of Long Island University-C.W. Post Campus with a summa-cum-laude BA Degree in Comparative Languages and Journalism, I have subsequently earned the Continuing Community Education Teaching Certificate from the Nassau Association for Continuing Community Education (NACCE) at Molloy College, the Travel Career Development Certificate from the Institute of Certified Travel Agents (ICTA) at LIU, and the AAS Degree in Aerospace Technology at the State University of New York - College of Technology at Farmingdale. Having amassed almost three decades in the airline industry, I managed the New York-JFK and Washington-Dulles stations at Austrian Airlines, created the North American Station Training Program, served as an Aviation Advisor to Farmingdale State University of New York, and devised and taught the Airline Management Certificate Program at the Long Island Educational Opportunity Center. A freelance author, I have written some 70 books of the short story, novel, nonfiction, essay, poetry, article, log, curriculum, training manual, and textbook genre in English, German, and Spanish, having principally focused on aviation and travel, and I have been published in book, magazine, newsletter, and electronic Web site form. I am a writer for Cole Palen's Old Rhinebeck Aerodrome in New York. I have made some 350 lifetime trips by air, sea, rail, and road.




Monday, December 5, 2011

A Guide to the National Wedding Show


The National Wedding Show is set to take the booming wedding industry by storm yet again in two special showings this year. Running from the 26th to the 28th of September in London at Earls Court Two and from the 10th to the 12th of October at Birmingham NEC, the event will attract soon-to-be newlyweds and their families, wedding planners, and product and service providers for all aspects of a wedding.

The Designer area and Boutique area will showcase the latest designs for brides and grooms to be as well as their bridesmaids and the mother of the bride, providing umpteen ideas for seamstresses and the opportunity to purchase a brand new gown from innumerable designers. Thirty-minute catwalk shows to showcase the designs will be held four times daily. Dresses range from traditional white gowns with diamante detail and vintage lace to Hollywood style dresses. The Blissful Thinking section features bridal underwear for the special night. Alternative gowns will also be introduced, including gothic gowns with biker style boots, corsets with net skirts, and vibrant colored gowns and accessories.

The Boutique area is expected to be the largest collection of wedding garments in the UK. Visitors can browse through hundreds of dresses as well as accessories that include tiaras, headpieces, veils and footwear.

Caryn Franklin will be present with her makeover team to select brides from the audience for a celebrity makeover and goody bag. Wedding professionals in attendance include hairdresser Lisa Shepherd, A-list celebrity make-up artist Ariane Poole and TV fashion producer Jane Galpin. Together, the experts will be offering invaluable advice on everything from body shape and dresses to accessories, hair and make-up.

Inspiration sessions will be held to provide advice on planning the wedding day, concepts and budgets for the wedding flowers, and design style and fillings for the wedding cake. To help visitors get into the spirit of the occasion, the Celebration bar will be providing a glass of champagne. There will also be plenty of cafes, restaurants and bars available so visitors don't have to leave the venue to break for lunch or a quick snack.

Exhibitors at previous shows recognized an increase in the number of clients visiting their stores and making purchases as a result of their exposure at the National Wedding Show. The event puts them in direct contact with their clients to showcase their best products and services and create new business opportunities.




Paul writes for Wedding car hire Plymouth and Plymouth executive cars.