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Getting out on the water is always a great time. It is even better when one has the comfort of knowing that their boat, fishing equipment and personal items are covered adequately. But, to do that one would need to have added some optional coverages. Knowing what optional boat coverages are available can help a boat owner make sure they have a great day out on the water!

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We all know the detrimental effect that smoking can have on our health and that of people around us, we are also aware that smoking can put enormous strain on our wallets with the price of cigarettes going up every year. But few people may be aware that stopping smoking is a great way of clawing back some of those precious pounds we pay out in insurances.

Moneysupermarket.com has recently revealed a study which showed that stopping smoking could save the average man more than 8,000 and a woman more than 4,800 on a combined critical illness and life cover policy. This substantial saving is added to the average 1,394 per year which is saved by not buying the cigarettes in the first place.

The reasons for this are clear: smokers put themselves at higher risk of heart disease, lung conditions and other potentially life threatening illnesses.

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If you are trying to understand some of the health care reform issues this recent article will be helpful. It includes information on current health care reform issues, help in understanding health care reform and a history of recent health care reform proposals.

Every once in a while I read something that just keeps coming back to me over and over again. Last week I read a brief piece in Bloomberg Businessweek that did that for me. Bill Gross, co-founder of PIMCO, was talking about his use of fake home buyers to get a feel for the sub-prime market during 2007-2008. He said:

“Timing is everything, though. It wasn’t easy for quite a while: There was a stretch of nine to 12 months pre-Lehman where we were underperforming, and there was a lot of internal questioning and debate. Maybe we should jump in the pool with everyone else. Every investor has an alarm clock. I wish I could get up at 6 every morning and time things just right. I probably get up at 4:30.

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