Proper Use and Care of a Boat’s Electrical System

By the time a boat gets a few years old, it will probably have a number of things in the electrical system that need to be updated or replaced. When an insurance surveyor comes along, he may end up handing the owner a long, and costly, list of things that need to be corrected.

An electrical system for a boat is much different than that of a house or even a car. Sea water is a fair conductor of electricity. Therefore, there are some additional rules on the materials and methods of installation when it comes to boats.

Materials & Equipment – It is important that only equipment and materials rated for marine application be used. The American Boat and Yacht Council has very stringent standards for this. Things like common household wire and wiring devices, as well as electrical equipment and appliances should not be used on boats. These things are not properly constructed, insulated or grounded and could either start a fire, or worse, result in an electrocution. Federal regulations require that all electrical devices that are used in the engine compartment or bilges be "ignition protected" means that they will not create a spark that can cause a fire or explosion.

Buying Older Boats – When buying a used or older boat, one of the things to pay close attention to is how much rigging and alterations there are in the electrical system. Sometimes there are quite a bit. In most cases, the owner may not even be aware of why things are constantly breaking down. Usually he blames it on the pump or motor when actually faulty wiring is the problem. You should be aware that on boats with poor electrical systems, the cost of straightening it out can be pretty high.

Electrical systems do not last forever. Over time boat systems degrade, particularly when it comes to the effects of corrosion. It is recommend that a boat have an electrical system survey once every 5 years. This does not take long and does not cost a lot of money. In fact it may save you hundreds of dollars in unwelcome headaches. In most cases, the survey will reveal the effects of damage which may need to be cleaned up, along with a few minor repairs. The advantage is in not allowing these problems to accumulate to the point that it becomes a big, costly job.

Adding New Equipment

Most boats, particularly smaller ones, are not designed with the idea of ​​adding new equipment, even though nearly everyone does. But the primary reason why systems get so messed up is a result from the attempt to force something in where there is no provision made for it.

Diesel Watches: The History of a Great Watch

Diesel watches are known far and wide for being desirable items of jewellery, and if you would like to get one for yourself then you will not be disappointed. Here is a quick overview of the history of this famous watch to give you a better idea about the timepiece you are buying.

Company Origins

Diesel’s story goes back to 1978 when the company was founded by Renzo Rosso in Italy. At this point, Diesel watches had not come into existence, and the company instead focused on clothing.

At first, Diesel remained a fairly small and unknown brand, at least on a global scale. It is hard to imagine that seeing as now it is one of the biggest fashion brands in the world, but for over a decade this was how it remained. In fact, the Diesel brand only began to start to get international recognition in the early 1990s.

Marketing Strategy

The company’s international marketing strategy was formed in 1991, and you could say that this was the year that things really started to change for the company and it began to build a reputation whereby Diesel watches are now known all around the world.

Five years later, Diesel opened its first premium store in New York on Lexington Avenue. At the same time, Diesel was beginning to see some much larger sales in America, and the company brand was really starting to take off across the world.

Focus on Youthful Image

Diesel has always focused on targeting its products towards a younger, trendier audience. This is also true of Diesel watches, which accompany the clothing line and are sold as lifestyle products.

One of the main figures responsible for this successful strategy is Wilbert Das who joined the company in 1988. He overseas all creative decisions, including its licensed collections consisting of jewellery and Diesel watches.

Continuing to Innovate

Diesel has proved itself to be an innovative and stylish brand, and Diesel watches are now popular all around the world for their style and quality. After proving itself over two decades to be a genuine innovator, we can expect the company to go on creating ever-more exciting watch models and other apparel for many years to come.

Conclusion

Enjoy Your Historic Watch

Diesel watches are excellent timepieces, and when you buy your own you will be acquiring a watch which is famous all over the world. Now you know a bit more about the history of the watch, you can buy your own with confidence knowing that you are getting a truly historic watch.

Think Credit Scores Do Not Apply To Young Adults? Think Again

By the time you turn 28, you will probably have a career and possibly a family. When you want to make big purchases like buying the car of your dreams or buying a house to raise a family, your credit score becomes more important than ever. Your credit score is also referred to as a FICO score and is typically a number between 300 and 850. Bank lenders who will loan you money for a house or a car will look at this score very carefully before lending you the money and deciding your interest rate. According to the article Starting Out by Kelly K. Spors in The Wall Street Journal, FICO scores above 760 qualify you for the best loan terms, while scores below 600 can mean unappealing terms and higher interest rates – or bar you from getting a loan all together. The breakdown of the FICO score includes a 35% weighting for payment history; 30% for the amount owed, especially as compared to your credit limits; and 15% for the length of your credit history. Also, having too many credit inquiries and loan applications by you or too many accounts opened in a short time can hurt your score.

So I made a mistake, how do I improve my credit score?

1. The first thing to do is to start paying your bills on time. If you have Internet access, it may be a good idea to set up an automatic bill pay (either through your bank's website or the actual credit card or loan company's website). This way, the bill will be deducted out of your checking account at the same time every month and will reduce your chances of your payment being lost in the mail. Paying your bills on time every month for about a year will dramatically improve your score.

2. The second thing to do is to check your credit report from all three major credit bureaus once a year. If you check it more than once a year, this may hurt your score. You can access your report for free at http://www.annualcreditreport.com . Be careful, many sites say they provide free credit reports but there is often a catch. Identify inaccurate information in your credit report and write a letter to the addresses listed below explaining your situation.

Equifax PO Box 740241 Atlanta, GA 30374

Experian PO Box 2104 Allen, TX 75013

TransUnion PO Box 2000 Chester, PA 19022

3. The third thing to do is to be smart with your credit. This means avoiding mall shopping sprees or playing online poker. Use your credit cards wisely. It is also smart to keep your credit card balances at 30% or less of your limit. This keeps your score up and leaves room on your credit card for emergencies like auto repairs and house repairs.

Copyright 2006 Debt Management Credit Counseling Corp.

Watches With GPS – Garmin Forerunner Advanced Workouts

Watches with GPS are perhaps one of the more sophisticated innovations in performance and fitness tools to have hit the market recently. Sports Watches that features GPS are useful for any athlete who is involved in running, cycling, rowing and other motion sports.

GPS watches can track your pace, speed, distance traveled and can plot your course on a map. The most advanced offer a suite of fitness functions that cater to almost any athlete’s demands.

The most popular GPS sports watches are currently Garmin’s Forerunner line.

Garmin have just released two new upgrades to their most popular models, the Forerunner 405CX (supersedes the Forerunner 405) and the 310XT (supersedes the Forerunner 305).

Perhaps one of the reasons why the Forerunner watches have become such a hit amongst athletes is the strength of it’s fitness features. Forerunner sports modes like “Workouts”, allow athletes the ability to create just about any combination of structured training session one can imagine. The watch’s display can also be heavily customized to show read-outs that include just about any real-time field possible, with the option of cycling through several pages of data-fields in mid session.

The Forerunner workout types include advanced and simple workouts, heart rate and interval workouts. The workouts allow the creation of a structured work out including warm-up, cool-down and in some cases intervals.

The Advanced workout feature is very much like the feature name suggests – it is a watch mode that allows the creation of complex sessions. Unlike the other types of workouts, Advanced workouts structures the workout in a series of steps. Goals at each stage can be configured and the sessions scheduled in the watch’s calendar. The watch will issue a reminder when your schedule for the day is due.

The advanced workout features is handy in the gym, when you might be switching between a number of different apparatus or could be used to create a loosely structure Fartlek running sessions.

The Forerunner will display the name of each step during a current workout, your goal if you have set one and all other relevant workout data. As you near the end of a step, an alarm counts down until the next step begins. The LAP/RESET button can be pressed to end an advanced workout early.