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IF I GO, AM I COVERED?

Posted On: January 05, 2018

Is my boat covered everywhere?

 

Many boaters may be unaware of the navigational limits on their boat insurance policy.

"Many policies contain what is called, “a navigational warranty, It’s usually covers the inland waters of the U.S. and Canada or the coastal waters of the U.S. and Canada for smaller boats up to 26 feet, or for larger craft, the territories that are defined by geographical points.

For instance, one of them goes from Eastport, Maine, to Cape Hatteras, N.C.; another goes from Eastport, Maine, all the way around Florida to the panhandle."

Make sure your policy provides coverage where you want to roam. It may exclude certain areas for political or security reasons (think Somali pirates). And if you decide you want to explore and do a one-time trip, ask your insurance agent if they can provide you the ability for the one-time trip.

Some policies contain optional endorsements that can help pay to move your boat out of harm's way when a named storm approaches.

How can you save money on boat insurance?

 Get specific. Don't buy a yacht policy if you own a dinghy. There are many varieties of boat insurance, including powerboat, charter boat, sailboat, houseboat, bass boat, wooden boat, fishing boat, pontoon boat, personal watercraft and so on, each with its own price structure and set of features.

    Go all-in on safety features. Many carriers offer policy discounts for gadgets that protect their investment, such as wireless auto tethers that act as an engine kill switch should the skipper or any of the passengers fall overboard.

    Take a boating class. A trained boater is a safer boater.

Give us a call, we are happy to help.

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THIS YEAR SAY YES

Posted On: January 01, 2018



THIS YEAR THINK ABOUT SAYING YES


The Bill Murray Technique for Saying “YES”

I came across this article last week, and it really made me think. I’m no stranger to saying no, ( I can see you snickering…..you know who you are!)

But what a reflective piece.

Let me know your thoughts

  • Published on December 29, 2016
  • Featured in: What Inspires Me

By James Altucher

 

I can’t say “No”.

If people ask me for something, it’s really hard for me to balance their needs with my own.

Like, if I need to spend time with my kids. Or I need to read or work on writing or business. But people are asking me to do X, Y, or Z.

This is why I had to write a book, “The Power of NO“. Because of my many problems saying no and taking care of myself.

But then Bill Murray taught me by example how to say “Yes”.


The Four Layers of No

LIE: 

At first I would lie to people if I said “no”. Like: “I broke my leg so I can’t go to your wedding.” Yes, I’ve said that.

SILENCE: 

Then I would just not respond to people. I’m going to use the wedding example again.

I lost my best friend because I couldn’t say “no” to him when he invited me to his wedding.

So I just never responded. He called, he wrote, he asked, “I don’t understand,” he said. And I just never responded. I kept feeling more and more guilty. We haven’t spoken since. I’m sorry.

EXPLAIN: 

Then I’d try to give an explanation. “I can’t go to your wedding because I’m having a hard time getting through a divorce.”

Which is a rationale I gave ten years ago to one invitation. But those people are not my friends now either.

And there’s never a point where they can explain why they are not my friends. They just hate me.

People tell me: Well they weren’t good friends in the first place.

Which is nice to hear, and makes me feel good to think about. But then I’m sad I can’t talk to them anymore anyway.

NO: 

The fourth layer of “No”, and the only one that really works for me is to just say “No, I can’t do that.”

No explanation needed. I don’t need to argue my case in the court of friendship.

Does this work?

Not really. People still get upset. And I still feel bad. But it’s the quickest and sharpest.

It’s a hard world: people want your time from 6 in the morning to ten at night. They want their demands and needs met. They want your hands on their dirty messes.

This is cynical. So let me put it another way.

When you say the right “No” it gives you the air to find your very personal and important “Yes”.

Bill Murray says “No” to most things. People ask him to act in a movie. 99% of the time he says, “No”.

People ask to take their picture with him. He says No. People ask to partner with him on their restaurants. He says No.

Does it mean he’s selfish? Of course, not. You can’t be selfish if the things you say “Yes” to are unique to you and uniquely change the world in the way only you can do.

This is the essence of choosing yourself. Not to be selfish.

Only when you unravel and reveal the unique YOU, can you have impact on the world. Having impact today changes the future tomorrow.

Here is a Bill Murray yes:

One time he was in a cab for an hour-long drive.

He started (like he does) talking to the cab driver. He asked the driver what he does when he’s not driving a cab.

“I like to play the sax”.

“How often do you practice?” Bill said.

“Not very often. Busy driving this cab.”

“Where’s the sax now?”

“In the trunk.”

 Bill told the cab driver to pull over. Bill said, “Guess what. I know how to drive a car also.”

They got out and Bill said, “Get the sax”.

Then they switched places. Bill drove the rest of the ride.

The cab driver sat in the back and played the saxophone for an audience of just one, the new driver.

This is a Bill Murray “YES”.

How often can you take a moment in time and sculpt that moment into a beautiful work of art.

Art that has your unique signature all over it.

“Yes” you can

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SOME HISTORY OF NEW YEARS

Posted On: December 29, 2017

Ever wonder the history of the New Year?

Well i did.....

Here's an interesting article to review.

A move from March to January

by Borgna Brunner

The celebration of the new year on January 1st is a relatively new phenomenon. The earliest recording of a new year celebration is believed to have been in Mesopotamia, c. 2000 B.C. and was celebrated around the time of the vernal equinox, in mid-March. A variety of other dates tied to the seasons were also used by various ancient cultures. The Egyptians, Phoenicians, and Persians began their new year with the fall equinox, and the Greeks celebrated it on the winter solstice.

Early Roman Calendar: March 1st Rings in the New Year

The early Roman calendar designated March 1 as the new year. The calendar had just ten months, beginning with March. That the new year once began with the month of March is still reflected in some of the names of the months. September through December, our ninth through twelfth months, were originally positioned as the seventh through tenth months (septem is Latin for "seven," octo is "eight," novem is "nine," and decem is "ten."

 

 January Joins the Calendar

The first time the new year was celebrated on January 1st was in Rome in 153 B.C. (In fact, the month of January did not even exist until around 700 B.C., when the second king of Rome, Numa Pontilius, added the months of January and February.) The new year was moved from March to January because that was the beginning of the civil year, the month that the two newly elected Roman consuls—the highest officials in the Roman republic—began their one-year tenure. But this new year date was not always strictly and widely observed, and the new year was still sometimes celebrated on March 1.

Julian Calendar: January 1st Officially Instituted as the New Year

In 46 B.C. Julius Caesar introduced a new, solar-based calendar that was a vast improvement on the ancient Roman calendar, which was a lunar system that had become wildly inaccurate over the years. The Julian calendar decreed that the new year would occur with January 1, and within the Roman world, January 1 became the consistently observed start of the new year.

Middle Ages: January 1st Abolished

In medieval Europe, however, the celebrations accompanying the new year were considered pagan and unchristian like, and in 567 the Council of Tours abolished January 1 as the beginning of the year. At various times and in various places throughout medieval Christian Europe, the new year was celebrated on Dec. 25, the birth of Jesus; March 1; March 25, the Feast of the Annunciation; and Easter.

Gregorian Calendar: January 1st Restored

In 1582, the Gregorian calendar reform restored January 1 as new year's day. Although most Catholic countries adopted the Gregorian calendar almost immediately, it was only gradually adopted among Protestant countries. The British, for example, did not adopt the reformed calendar until 1752. Until then, the British Empire —and their American colonies— still celebrated the new year in March.

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THE FEAST OF THE SEVEN FISHES

Posted On: December 22, 2017

The Feast of The Seven Fishes

Legend has it that the tradition started in southern regions like Naples and Sicily but is little known in northern Italy.

Though many facts surrounding the feast are unknown, there are two definite truths: It’s about seafood and family.

When waves of immigrants made their way from Italy to America, they brought their cherished traditions with them too, the Feast of the Seven Fishes among them.

Observing “Cena della Vigilia,” or the Christmas Eve dinner, started when Catholics fasted to anticipate the birth of the baby Jesus on Christmas Day. The fast would end when they received Holy Communion during Midnight Mass.

Since meat cannot be eaten during the fast, Italians indulged in seven different types of fish or “fishes.”

There are several theories when it comes to the symbolism of seven: it took seven days for God to create the earth, the Bible says. Others believe that seven stands for the sacraments.

For some families the number three is actually more important than seven.

For them it represents the Three Wise Men and the Holy Trinity.

Some families even go as far as having 13 fish varieties to represent the 12 apostles, with the final one being for Jesus. Others only have 11 fish, leaving out Jesus and Judas.

But no matter how many fish are eaten it’s all done in the spirit of the holiday and to refrain from eating meat and dairy products on the day before Jesus was born.

Good thing the Bible doesn’t mention anything about seafood so Catholic Italian-Americans can indulge in fish like calamari (squid), baccala (cod), blue crabs, scallops, pupa (octopus), shrimp, clams, oysters, lobsters and much more. Mangia bene!

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THE TRADITION OF CHRISTMAS BELLS

Posted On: December 18, 2017

Traditions of Christmas Bells


Bells, especially Church Bells, have traditionally been associated with Christmas for a long time. In the Anglican and Catholic churches, the church day starts at sunset, so any service after that is the first service of the day. So a service on Christmas Eve after sunset is traditionally the first service of Christmas day! In churches that have a Bell or Bells, They are often rung to signal the start of this service.

In some churches around the world, it is traditional that the largest bell in the church is rung four times in the hour before midnight and then at midnight all the bells are rung in celebration.

In the Catholic Church, Christmas and Easter are the only times that Mass is allowed to be held at Midnight. It's traditional that at both midnight Masses, the church and altar bells too in many cases are rung while the Priest says the "Gloria" (Gloria in excelsis Deo).

Having a Mass at Midnight at Christmas dates back to the early church, when it was believed that Jesus was born at midnight, although there has never been any proof of this! A lot of Churches have midnight services on Christmas Eve, although not every church will have a mass or communion as part of the service.

In many Catholic countries such as France, Spain and Italy, the midnight mass service is very important and everyone tries to go to a service.

In Victorian times, it was very fashionable to go carol singing with small handbells to play the tune of the carol. Sometimes there would only be the bells and no singing! Handbell ringing is still popular today.

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HAPPY HANUKKAH

Posted On: December 15, 2017


This past Tuesday evening marked the the first day of Hanukkah. Surprisingly or not, many people don't understand the celebration or the meaning of this holiday.

I'm not Jewish, but here goes my take on the observance.....

 

Hanukkah is an eight-day Jewish holiday. It traditionally celebrates the victory for the    Maccabees over the larger Seleucid army. It also celebrates a miracle that happened during this time, wherein just a day's supply of olive oil allowed the menorah in the rededicated Temple in Jerusalem to remain lit for eight days. Therefore, Jewish people celebrate Hanukkah for eight days. Hanukkah begins on the 25th day of Kislev according to the Hebrew calendar. Hanukkah begins in late November or December. In 2014 it starts on December 16.

The Hebrew word hanukkah means dedication.

The Hanukkah or (hanukkah menorah) is an important Hanukkah candle holder. It has nine candles. Traditionally, one candle is separated from the rest, usually by being higher than the other eight. On the first night, only one candle is lit, on the right side of the hanukah. On the second night, a second candle is added, and they are lit from left to right. This continues for all eight nights. The candles are never lit directly - instead, the higher candle, (called a shamash, meaning "attendant") is lit first, and then used to light the rest of the candles. Before the candles are lit, blessings are said over them.

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THE REASON WE PUT LIGHTS ON OUR CHRISTMAS TREES

Posted On: December 11, 2017

The Christmas tree: It’s long been a symbol of the holiday season.

Each year, people around the world cut down an evergreen tree and decorate it with lights and ornaments, but have you ever thought about how this tradition started?

People started putting lights – candles to be more specific – on Christmas trees in the middle of the 17th century. These were attached to the end of tree branches with wax or pins and were adhered to the tree to represent shining stars. This tradition started in Germany and spread to Eastern Europe over the next two centuries. Because this was a serious fire hazard, most people didn’t put their trees up until December 24, ensuring that they would only be up for a brief period of time while the tree was still fresh – and much less flammable.

The custom of putting strings of lights on trees began in 1882 when Edward Johnson – an associate of Thomas Edison – wired red, white and blue bulbs together and placed them on an evergreen tree. In 1895, President Grover Cleveland followed suit and decorated a Christmas tree in the White House with stringed lights. The public took notice, and the tradition started to catch on.

However, it was extremely expensive to have a lit Christmas tree. General Electric sold bulbs for this purpose, but they needed to be wired together by a professional electrician. Additionally, if a homeowner wanted a lit Christmas tree, but didn’t have electricity yet, they’d have to purchase a generator to keep the lights on.

In 1903, the American Eveready Company developed an easier to use light set involving screw-in bulbs and a plug-in for the wall socket. Even with this easier to use equipment, electric tree lights weren’t catching on rapidly. People were still using unsafe candles as a way to light their trees, until Albert Sadacca came up with the idea to make the lights multi-colored in 1917.

He and his two brothers Henri and Leon started NOMA Electric Company, which became the largest Christmas lighting company in the world. Since that time, lights have continued to evolve.

Miniature bulb sets came about in the late 1960s and came in strands of 25 or 50 lights. These were very similar to the standard miniature lights available today. However, there are more options available for size and color today than there were in the past.

The latest advancement in holiday lights is the use of LED (light-emitting diode) technology. These lights are far more efficient than incandescent lights and have a much longer life-span.

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WHY DO WE HANG WREATHS

Posted On: December 08, 2017

Why do we hang wreaths?

Hanging a circular wreath of evergreens during the winter season seems to go back a very long way. It might have started as far back as in Roman times when wreaths were hung on their doors as a sign of victory and of their status. Rich Roman women also wore them as headdresses at special occasions like weddings and to show they were posh. Roman Emperors also wore Laurel Wreaths. They were also given to the winners of events in the original Olympic Games in Greece.

The word 'wreath' comes from the Old English word 'writhen' which means to writhe or twist. Christmas Wreaths as we know them today, might have started life as Kissing Boughs or come from the German and Easter European custom of Advent Wreaths.

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