A VHF marine radio is the single most important radio system you should buy. It is probably also the most inexpensive. Most boaters have questions about their boat’s radio, the correct way to use their radio, how the radio works and what license they need. The basic radio practices can be learned quite fast.
A nautical chart gives you the relevant information required to make a safe passage plan using the charted fixed marks such as buoys and landmarks, so that you can take bearings and maintain a correct course.
You may gain pilotage information with the help of the nautical chart regarding the position and nature that is favourable to the navigator. The chart holds crucial information such as landmarks, seamarks and seabed information.
Planning to buy a house? That’s surely an exciting adventure. After all, as a potential homeowner, you have the liberty to be included in every decision making involved in the process. Generally speaking, if you want to have a house, you have two options: build one from the ground up, or visit real estate websites and search for options near your area. While the first one seems challenging, as it allows you to be involved in everything, from the planning, design, construction, and design, the latter proves to be more convenient.
This article highlights 5 tips that you should know before buying a house:
Tip #1: Check selling prices
The first tip involves checking of the selling prices of homes in your area. Canada real estate portal gives you an idea, in general, of what you may expect to pay. For sure, there will be several options which will certainly catch your eye. However, not all may be reasonably priced. It is best to browse and compare prices at the same time.
Tip #2: Set your budget
This involves seeing what you can afford to pay for a new home. Real estate agents can certainly help you out in this phase. Aside from knowing the basic price that you have to pay for a home, you will also be helped to understand what other expenses might be incurred, such as fees for paperwork, and other things.
Tip #3: Consider the total monthly housing cost
The determination of the total monthly housing cost should include homeowners insurance and taxes. There are some areas in the country wherein the amount you pay for your insurance and taxes may double your mortgage payment. These things should be considered accordingly. Other utility expenses and maintenance should also be considered as part of the total monthly housing cost.
Tip #4: Identify the potential closing costs
One mistake that many homeowners have is overlooking the upfront cost of settling. The closing costs often include origination fees that are charged by the lender, settlement fees, title, taxes, and other prepaid charges like homeowners insurance and association fees.
Tip #5: Look at the bigger picture
True, purchasing a house is a good investment. However, be realistic in acknowledging that maintaining that investment may also be expensive and labor intensive. You also need to consider other expenses which may be related to purchasing of new appliances and furnishings, and other problems which may appear later on, such as plumbing problems and roof repairs.
Indeed, buying a new home is a good way to invest your money for your future, and for your family. By following the home buying tips listed above, you can make sure that you are one step ahead of the game. Many homeowners commit mistakes, especially in buying their first homes, simply because they fail to accept advice from other people who may be more experienced than them. Hire for yourself a reliable real estate agent, and you can be sure that you will be making the best decisions in buying your new home.
If you are looking to purchase a boat, or really any other large purchase, more than likely you will want to finance that purchase. So, you will want to get the best deal on your financing right? Here are some tips to keep in mind while looking for financing a large purchase.
Before you start any sort of finance deal you will want to get a good idea of where you stand on creditworthiness. All of the big three credit reporting agencies will allow you to pull your complete credit report once each year. If you haven’t looked at your credit lately you will want to pull your report. Things you will want to look for are any errors on your report including late payments, debts that aren’t yours, etc. Also, you will want to make sure that any payments you have been making on time are reported correctly. If you find an error you will want to contact the reporting agency immediately to get that corrected. Once your credit report is in good shape you are ready to go shopping for your boat.
When you go shopping for your boat you have many choices. You can look at your local harbor, dealer or private sellers. We usually check those prices against one of the large used boats sites like sacsmarine.com who has a ton of boats at any given time. When you do this price check, you will know if you are getting a good price or not. We also recommend that you check the Blue Book for Boats at nadaguides.com. Price is a big consideration on how much you will actually qualify for financing.
After understanding the boat you want, and checking the prices to make sure it is fair, you will want to go ahead and apply for financing. There are several places to find financing but usually the best bet will be at your local credit union. Those institutions usually provide boat financing that is at least a full percentage point lower than banks or other places. A good place to check what the current interest rates are is Bankrate. Their information is always current so that is a great place to comparison. That being said, we still recommend your local credit union.
After you apply for your loan you will be asked to provide information on your job, your bills, and your banking information. Also, you will likely be asked to provide pay stubs, bank statements, and more. Keep in mind they will be looking to loan you a lot of money so they will want as must justification as possible that you will be able to repay their loan to you. Once you eventually get approved, you will want to make sure that you make your payments as those payments will go onto your credit report, and will count for your next large purchase. Whether its a boat, house, or car, understanding the keys to financing is critical to getting the best deal. We hope these tips will guide you through your next large purchase that requires financing.
If you are going to spend some time on a boat like us (and we spend a LOT of time) then you will want to understand some very basic safety issues. Boating, while fun, can also be rather dangerous. As a boater you will want to make sure you are ready for anything: weather, accidents, fire, etc. While you likely won’t need to use any of your safety knowledge, it is quite literally better to “be safe then sorry.” Here, we will offer some tips to make your boating adventures both fun and accident free.
First, you will want to know the weather that you will be venturing in to. Will it be raining? Is there a storm coming? How are the waves? All very important questions that affect boater well-being. Using a site like this one can help you be ready for storms, hurricanes and other potential dangers. Also, knowing the status of the wind in your boating area is important as wind is a boating nightmare. Why? Because wind means waves and most water vessels don’t like waves. If nothing else it makes your joy ride turn into a ride from hell due to the roughness of the waters.
Another important tip is to do a pre-launch inspection of your boat before you launch it. You will want to check things like your motor operation, direction controls, and any potential damage to your boat. You will also want to ensure that your boat has a fire extinguisher and that every passenger has gone through fire extinguisher training like this video shows. Even if you watch that video and then teach your passengers what you learned that is completely fine. A boat fire means trouble so ensure that your extinguisher is both on deck and has been fully charged. Your inspection should also cover taking inventory of your life vests to ensure there is at least one per passenger.
You will also want to talk to your passengers about what to do in case the boat tips over during your ride. This of course isn’t a very fun way to start your trip, however, it is critical to ensure the safety of all those aboard. Although we mentioned life jackets above, it is important to note that not only should your jackets be accounted for but they should also be checked for damage, tears, and other potential problems that might cause them to be useless in an emergency.
It should go without saying but never drink alcohol while operating a boat. As a passenger that is fine but as a driver, it is absolutely critical to abstain. Since drinking clouds our judgement, you don’t want to be operating a motor vehicle – even if that is a boat. Also, some don’t realize but you can get a DUI just as easily driving a boat as driving a car.
Finally, if you plan on spending significant time on your boat you will likely want to get a more formal or extensive safety training under your belt. There are usually courses in every major city and this site tells you how to get started with those. Hopefully these few tips will keep you and your boat on open water!
Scientist can now agree that carbon emissions are destroying the earth’s atmosphere and increase the earth’s temperature.
With increased concern over the climate changes and drastic consequences of global warming, many people are looking for ways to reduce carbon emissions. Fortunately there are simple changes anybody can do. The following are some of ways of reducing carbon emissions of vehicles.
Maintenance of vehicles to achieve better fuel efficiency is an effective way to begin to reduce air pollution. According to Stop Global Warming website, you can save two hundred and fifty lbs. of carbon and several hundred dollars every year in fuel by keeping tire inflated to proper pressure. Change the filter to save 800 lbs. of carbon dioxide emissions and one hundred and thirty dollars per year. Use your own tire gauge and check all the tires every month. Look at air filter at same time.
Car driving habit
The Stop Global Warming site recommends turning off and carpooling the car rather than letting it idle for more than thirty seconds. Choosing the correct motor oil for each vehicle also makes a difference. Carry less weight by cleaning out the trunk and any excess items to improve fuel economy. Accelerate more gently and drive at speed limit to reduce fuel use. These measures save money and reduce air pollution and green house gases which cause global warming.
Drive fuel efficient vehicle
This is the most efficient way of reducing carbon emissions from driving. All vehicles carry an estimated miles per gallon rating from the EPA. Even electric cars can create carbon emissions because electricity comes from different sources that usually involve the burning of some fossil fuels. However, their MPG equivalents are typically higher than conventional and hybrid cars.
Alternative to driving
When it is possible you can ride your bike or walk in order to avoid carbon emission completely. Public transportation and carpooling can reduce carbon dioxide emissions drastically by spreading them about over many riders.
Drive a smaller vehicle
Select fuel efficient or hybrid vehicle for your next car. The US department of energy in its fuel economy website provides fuel economy, pollution and emission information on vehicles, in addition on tax credit, diesel and hybrid options and flex fuel for those who buy certain qualifying vehicles. Select smallest car which will suit your needs. Australian website www.ryda.org.au points out a number of different smaller vehicle options through it’s comprehensive vehicle reviews. For households with 2 cars, use the smaller one as possible and leave the truck or SUV parked.
Calculate your carbon emissions
Use the calculator on Nature Conservancy website to determine your current carbon emissions and learn the strategies for improvement. Many strategies like doing all errands together to avoid extra trips in the car, walking or riding bicycle to class or work and using public transport are helpful in reducing carbon emission. By grouping errand you also save money on fuel and reduce tear and wear of the vehicle.
In conclusion, by choosing alternatives which spare environment and increasing awareness can help to reduce carbon emission of vehicles.
Tell someone you’ve been spending your days checking out memory-enhancement products and chances are they’ll say something like “That’s interesting”—long pause—”What did you say you were working on?”
Memory Enhancement vs Memory Loss
The prospect of memory loss makes people so uncomfortable they invariably make stupid jokes about it, then chuckle as if those jokes were actually funny. “Sorry, ha ha, I’m having a senior moment.” “Oops, it must be early onset Alzheimer’s!”
Mental decline is a natural part of aging – whether we like it or not
Statistically speaking, unless you live till about 90, the chances of getting Alzheimer’s disease or a related dementia is fairly low. Still, the brain gets less agile as we age, and for many people mental tasks that once seemed mindless, like remembering names and recalling words, become noticeably more difficult. Even minor memory lapses can generate big anxieties. So, the possibility that some thing—a vitamin, a supplement, a set of cognitive exercises, a biofeedback machine—will make us sharper, more focused, smarter, less forgetful, is desperately appealing.
At least it is for me as I progress farther into my 40s, misplacing my keys and swearing I’ve never had conversations that others claim to recall with perfect clarity. And what does the word “synecdoche” mean anyway? I used to know.
There are currently numerous products that promise stunning gains in IQ and remarkable increases in memory and the number will only increase as the population ages. But do any of them actually work? While my first inclination was to focus on over-the-counter pharmaceuticals like periwinkle extract and colloidal gold because they required no investment of time or mental effort, a quick survey of a defunct FDA Web site (resurrected on The Memory Hole) detailing the harm that had befallen people who blindly swallowed supplements assuming that because they were “natural” they were safe, as well as a recent article in the Lancet demonstrating that no supplement has yet proved to enhance memory, convinced me to stay away from things I’d have to put in my mouth.
Choosing my mental boosters
Instead, I decided to stick with products that might “grow my brain” by laying down additional neural pathways (which typically happens when you learn something new), and those that claimed they would change my brain-wave patterns, making my brain more receptive to remembering. These included compact disc recordings of certain kinds of engineered sounds intended to unite left- and right-brain hemispheres; optical stimulation machines that shoot a Morse code of white light at the eyelids; software-based mental exercise gyms; and books outlining memory programs.
I started with 10 products—chosen because I had read about them in best-selling books about memory loss or on those books’ Web sites, or that I had found through internet searches—jettisoned three(two because they were far too complicated and the third because it was just too dopey), and stuck with eight, which I used over a period of two months.
Settling on a method
One problem, though, was finding a reasonable research methodology. As a lone individual, I could not conduct random, double-blind, placebo-controlled trials. And memory, in any case, is elusive—hard to get a bead on, let alone to measure. That you remember to pick up the dry cleaning on Monday but fail to come home with a quart of milk on Tuesday says little about the condition of your memory. (The neurologist’s rule of thumb: Don’t worry if you misplace the car keys, worry if you don’t know what the keys are for.)
Still, I needed a way, however crude, of seeing if my memory was getting sharper, so I signed up for an Internet-based memory testing site calledMemCheck ($69.95 per year; $9.95 per month). Intended primarily for people with serious concerns about memory loss, such as Alzheimer’s or something called Mild Cognitive Impairment, MemCheck offers subscribers two mental screening options.
The first is an extensive battery of tests that examines psychomotor processing speed, executive function (defined on the site as planning, organization, and mental quickness), and short-term memory; it takes about half an hour to complete. The second, MemWatch, is an abridged version of the first. It tests short-term memory and processing speed in less than 10 minutes.
After testing myself with MemCheck and finding out that my executive functioning was excellent and my short-term memory was just OK, I took the MemWatch test, which gave me a baseline score against which I could compare my results in subsequent testings, after using the various memory-enhancing programs and products.
I assumed, much like a weakling entering a gym to lift weights in order to build muscle, that if any of these products worked as advertised, I’d be adding axons and dendrites to my brain that would create neural pathways that would necessarily raise my score. And the fact is, over two months, my score did go up, a full 40 points. Whether this gain is actually meaningful in a practical sort of way is not precisely relevant. What is relevant is that in mid-September I was an 85 and by mid-November I was, consistently, a 126. Something happened.
Are we comparing apples to apples?
It’s possible that I simply got better at taking the test. It’s also possible that I got better at taking the test because new neural pathways were laid down each time I took it. On the other hand, maybe my improvement was a direct result of the neural pathways that had been stimulated by one or more of the products I was using.
Overall, I felt sharper, more articulate, less forgetful, quicker. I could go to the supermarket without a written list and bring home the 17 items I’d set out to buy (due to a new strategy I’d learned). For the first time in years I beat my husband at pingpong (quicker reflexes). I returned my library books on time (because I could actually recall when they were due). True, I forgot to feed the dog one morning, but these things happen.
Though I would like to point to a single product to account for these changes, I can’t. They complemented each other. Some taught strategy, some toned reflexes, some claimed to be integrating my brain in subliminal ways. Some were a bust. Some were fun. A couple really seemed to help.
Scuba Diving which stands for Self Contained Underwater Breathing Apparatus, is a water sport that has continually gained popularity over the recent years. Divers make use of compressed gas to stay longer underwater. Other equipment that are used for this activity include scuba masks, regulators, fins, and buoyancy devices. Scuba diving requires special training to ensure that the individual understands the proper use of the equipment and the guidelines that should be observed to ensure his safety.
The activity is quite easy to learn and it offers a great opportunity to view the underwater world. While majority of the people who dive do it for recreational purposes, there are other professional purposes that diving satisfies as well which include training, scientific research, underwater construction, and military purposes. Scuba blogs often detail the adventures of different individuals who have tried out this sport.
The main attraction for a lot of people who are hooked on diving is the chance to experience the beauty of different kinds of marine life. You get to see, touch and spend time with sea creatures and plants that’s so unique, colorful and extremely different from the ones you see daily. The thrill of watching life as it happens in the reef is so wonderful that people are often driven to capture it so that they can relive the experience when they resurface from the water.
Underwater photography has become an incidental hobby for some divers and those who have developed a passion for it even invest in serious equipment to perfect their skill. Photography is a straightforward way of documenting a dive or it can be an efficient means of recording data for research and other scientific purposes. Excellent imaging is a result of specialized devices and methods but even beginners in photography will enjoy the chance to capture the underwater landscapes that scuba diving gives them access to.
Another great thing about this activity is that practically anyone can do it as long as they complete an accredited scuba diving course. Children who are at least 8 years old can already be exposed to the activity and since the course is a must, it allows instructors to properly assess if a child is ready for the activity or not. Pre-teens, aged 15 years old and up can even take on a certification for Open Water Diving. A lot of dive resorts now offer beginner’s courses, often called a Fun Dive Program for kids, as part of their promotional package.
Other essential considerations that are observed for diving include a person’s general health condition. While you don’t need to be extremely fit to be qualified to scuba dive, you still need a clean bill of health and not have any serious medical condition. Because of the different environment and the way that your body will react to it, you need to ensure that you are up to the challenge of an underwater adventure. Accomplishing a medical questionnaire is often part of the requirement for a scuba diving program.
But diving has evolved so much in recent years and has been tested by different individuals in varied settings that it has expanded to include opportunities even for those with physical disabilities. Special courses have been designed for individuals with special needs which is a result of collaborative efforts between diving instructors and experts. The outcome is the creation of a modified program that permits physically challenged individuals to do the activity safely and easily. Opening up the world of diving gives everyone a chance to visit dive spots in places like the Great Barrier reefs, underwater caves, diving in Egypt, the Hawaiian Islands, or the different islands in the South Pacific.
A fish finder is actually a term that refers to a specific type of fathometer. This electronic device is an echo sounding system, a type of Sonar technology. It helps find fish through sonar technology and displays them on a CRT screen or LCD screen, depending on the cost of the system.
It allows you to find where the fish under water high yield. Selecting a fish finder can be very daunting because of the many brands and models available. It is definitely a winner if cost is reasonable and packs a lot of features that will make your fishing more productive and enjoyable. The most recent versions and more sophisticated fish finders have the ability to distinguish between fish and other objects that are underwater. The colored fish finder is much easier to see the fish than the monochrome.
This starts working when an electrical impulse from a transmitter is turned into a sound wave by a transducer. When it is sent into the water the sound wave will hit an object and the object’s size, composition and shape is sent back. You will know if the object you are looking at is a fish or a rock. The accuracy of this graphical representation depends on the intensity of the frequency as well as the pulse. You will find the fish you are looking for after the signal is amplified and the data sent back to the display.
Less expensive fish detectors use LCD screens in black and white, while high-end models use CRT color. Fish finders operate on two frequencies of base, 50 kHz and 200 kHz. Furuno is a collection which tops the list of expensive and high quality fish finders. Portable fish finders are becoming very popular among hobbyists and serious anglers. Manufacturers are now combining fish finders with other technologies such as chartplotting and GPS. As far as brands, Garmin and Humminbird are the big players in this space.
You can purchase a great cone angle sensor with high power if you are looking for a very high resolution fish detector in shallow water. If you fish in shallow and deep water, you actually have two options. In choosing the best device for you, you should know the type of fish you usually fish for, especially if you know whether the fish prefer deep and colder or warmer and shallow waters. The depth should be taken note of because the ability of sound waves to penetrate and enter the depths and areas overlooking deep water.