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I Like Technology. I’m conceding all the good and fun things that computer-based technology has brought into our lives; I’ll not fight that battle. Not only would I lose any argument against the wonderful additions technology has made to our lives, I would be fighting against myself. I love it that I can flip open a Star Trek “communicator” and talk to almost anyone, anytime. I love the very idea of having a communication device out in my back yard, near the bird feeder, that is communicating with a satellite in low earth orbit. Wow! And do I ever love my computer-oops, computers. As in many computers. In fact, my job is strongly tied to technology and I love to get paid. However, this article is a warning, a plea to open our eyes wider than our big screen TVs, to step back out of cell phone range, to put down our PDAs for a minute and look at what has gotten a hold on us.Technology is SeductiveTechnology has the power to draw us in and cause us to lose perspective about what is happening. Just try talking to your child (or maybe your spouse or best friend) the next time some slick TV program or commercial is shimmering across the screen and you’ll see what has all of their attention. Technology draws us in. But if we’re drawn in, we’re also leaving something behind. We could be abandoning loving or developing relationships or the quiet time necessary to think purposefully about our lives, where we are going and how we want to live five years from now. To continue this idea, that technology is seductive, let’s look at the natural progression of how we respond to new technology.Technology as a ToyAll new technology comes to us in the guise of a toy, thus its initial seductive pull on us. No matter the age, the new technology feels like a toy. It is smooth, pretty and flashes little lights. It makes cute sounds and we respond to it from the childlike (or childish) center of our being. It is not the sophisticated 35 year old business executive that is responding to the new all-purpose, highly-evolved technology thing, it is instead the seven year old child inside that is gushing and filled with Christmas morning lust. We might not even have any way to use it yet, but we play with it. We turn channels, set the volume on the 96 surround sound speakers (yours doesn’t have 96?), take pictures of our toes with it, and enthusiastically pursue carpel tunnel problems as quickly as our thumbs and fingers can fly over fun little colored buttons. It is a toy. But it does move evolve into our next category and that makes us feel a little better about it and helps us avoid the fact that we just spent a year of future retirement on a toy.Technology as a ToolThe toy usually becomes a tool. In our strong desires to justify the purchase of the toy, we look for things it can do. Ah, it keeps my calendar. Cool! Now I won’t have to keep track of my $29.00 day planner and worry about losing it. I just need to worry about losing my $495 PDA. But it can also take pictures. That’s important. It’s also good that it can erase them because I find I take a lot of pictures that are really crap and now I not only spent time taking the pictures, I also get to spend time erasing them. But the toys often turn into very serious tools. I may continue to use my cell phone toy as I unconsciously blow through red lights and make turns without signaling (need that spare arm for the cell), but I also realize this toy is a serious safety tool. I don’t want to be broken down on the highway and not have this link to help. The same 50″ flat screen wall hanging that is a toy is also a tool to be aware of threatening weather and important current events. And the notebook computer that empowers me to look at pictures of potential Russian brides helps me write this article and project investment returns. Toys have the potential of becoming tools. From puppies to working dogs. But there is a third and more dangerous level.Technology as a TyrantDictionary.com offers one definition of a tyrant as, “a tyrannical or compulsory influence.” Wow! Think cellphone, e-mail, Skype, compulsive checking of forums, chat rooms, YouTube, Facebook, Twitter, and all the other current flavors of Turkish delight known as technology. These things can be toys (relatively harmless except for what they might be replacing), they can be tools, or they can become tyrants. When deeply engrained into our work or social structure, they change from being puppies or work dogs and become pit bulls that can bite and clamp down so that it is very difficult to dislodge them. I used to be able to keep up with the demands of my job. Once upon a time I actually had a little time that I could budget weekly that was “walk around and get to know everyone better” time. No more. Now I am constantly juggling attention among appointments, drop-in unannounced visitors, snail mail, phone calls with the pink reminders, cell phone calls, and e-mail. I can never get one caught up without intrusions from all of the others. The first four were barely manageable, with cell and e-mail added, I’m no longer in control, the pit bull is. So, what happened?How Did We Get Like This?Okay. Here is the crux of this article. Technology is on a different evolutionary rate than us humans. It reproduces faster than mice and changes species with each generation. We were enticed, and continue to be enticed, by technology due to its seductive dark side. It beckons to the seven year old inside and draws us in. As a tool, technology is embraced and embedded into our lives, seemingly as a partner, one called alongside of us to help us. But, without an understanding of the evolutionary path of technology, we do not control its place in our lives. It becomes a tyrant that bullies us and pulls us around on its lease instead of the other way around. Because of the initial seductive nature of technology, we don’t easily see that it will tend to take us to where we don’t want to go and make us pay more than we first thought we were willing to pay. So, what shall we then do?What We Must DoI’m not offering a plan but an approach. The approach depends upon fully understanding what has gotten a grip on us. I suggest the following critical pieces for beginning to manage technology and protect our humanity:
Clearly see that technology is seductive and separate out and control the childish reactions to the initial toy aspects of new technology. Gratification can be delayed (an adult response) and toys can be both played with and put away.
Think through both intended and unintended consequences of bringing a shiny, new technology toy into your life. What is it replacing? How will you control it so it doesn’t put you on a leash?
Do not assume that a new technology tool is better than an older one that worked well for you in the past. I have a colleague who keeps in a pocket a little list of things to do, thoughts, and insights. His pen and paper list worked a lot better than my PDA when when my technology tool lost both primary and backup batteries and I lost passwords to multiple accounts and forums. Which is better?
Many new technology tools cannot be avoided. However, they can be managed. Think of ways to limit their use and how to communicate your policies for your use to your colleagues, family, and friends. For example, I check my email once a day and make it clear to my colleagues that I am not sitting at my computer all day waiting for the chime (evidently, they are).
Finally, pay attention to the things that technology tends to replace and redouble your effort to work on relationships so you have no regrets.
To rewrite a common adage, no one’s last words are likely to be, “I wish I had purchased the 60″ HD instead of the 54″.

As an online business it is extremely important to understand search engine optimization as ultimately this is what will drive traffic to your website. Like footfall in a traditional bricks and mortar store if you don’t get them in the door they will never buy anything. Likewise, if you cannot get traffic to your website you will not have anyone to convert into a sale. SEO is essentially the way of building your company’s ranking in search engines and therefore getting footfall into your store, albeit online. There are many SEO companies out there which offer a variety of SEO services. However, it is also important for a company itself to understand the importance of SEO. One way to increase your understanding of SEO is to attend one of the many SEO training courses which are available. They have a number of advantages such as:1. Understanding the BasicsSEO training courses will help you to understand the basics of good SEO such as choosing the right keywords for your industry, how to measure SEO results, understanding the importance of link-building within your website and also the importance of well written, SEO optimized and unique content on your website.2. Learn SEO techniquesThese courses also assist with familiarization with the variety of optimization techniques and online marketing tools. SEO is an industry with a large number of acronyms and industry specific jargon. Training courses will help you to understand the jargon and therefore develop your own company’s SEO campaign. Even if you choose to outsource your SEO needs to an SEO service provider it is still beneficial to understand the jargon so that you can choose the best SEO provider for your needs and not be blindsided by unnecessary jargon.3. Cost-EffectiveCompanies offering SEO services can be expensive and this can be a struggle for smaller companies who are yet to have made their mark on online sales. Also in the current economic times companies are often looking for ways to reduce unnecessary costs. By developing a company’s internal understanding of SEO it can reduce the costs associated with outsourcing for your SEO needs. SEO is simply not an area that a company can ignore and therefore finding a more cost-effective way to deal with your SEO needs is important.Types of Training CoursesThere are two main types of SEO training courses. Static training courses teach the basics and tend to be more online. Dynamic courses on the other hand tend to be more hands-on and are a good idea if you intend to carry out all of your company’s SEO internally. SEO itself is a dynamic field and it is important to move with any changing trends in order to be successful.The online sales industry is growing and there is money to be made for your company; however, having a website alone will never optimize your business. Taking advantage of the availability of SEO training courses will assist you in making your website stand out and ultimately become more profitable.

Thinking of buying a Rigid Inflatable Boat (RIB)? Well assuming it’s for private and pleasure (P&P) use (commercial use will be dealt with in a separate article) here’s a guide to some of the insurance issues you may encounter as well as some of the benefits you might get as part of your cover.Use an Insurance Broker!I’m going to say specialist insurance broker rather than a quotation sourced direct from an insurer. I will declare an interest here in that I actually am a specialist broker. There are advantages:A specialist broker can do your shopping for you because they will have access to multiple markets and therefore make a recommendation as to which one best fits your needs.A specialist broker should also be able to help you if a claim happens. Understanding and liaising with your insurers regarding liability and/or settlement value. They may also have access to a wide range of approved boat builders, dealers and repairers that will help you get your RIB back in use with minimum disruption to your pleasure in using your RIB.This is in contrast to going direct to an insurance company which means you will just receive information based on their product. It also means you will have to make time consuming multiple telephone calls find out what is available so to decide what is best for you. That’s OK if you have time, but time is money!What Value is the RIB insured for – Purchase Price or Agreed Value?You need to understand the basis on which your RIB is covered. It is common for insurers to cover the RIB and its equipment for the purchase price. However, cover can also be on “agreed value”. If you are unsure which yours is check your insurer’s policy wording. Some may state that they will pay the value stated in in the Schedule of Cover (this will be “agreed value”) and others will state they will only pay up to that value (i.e. the purchase price less any depreciation). If your RIB is a total loss the difference in the policy wording could have a significant effect on the amount of your claim is settled for.As you will expect, the more you pay for your RIB, the more your insurance cover is likely to cost. Insurers rate your policy on the value of your hull, machinery, trailer and any special equipment you might have. The rate applied will usually decrease as the insured value slides up, so the cost to cover a RIB at £50,000 would usually be proportionately cheaper to cover than one valued at under £10,000.
Here are some of the other factors that will affect your overall annual premium for your RIB insurance:Where are you keeping your RIB?Location can matter. Certain parts of the UK that are considered prone to extreme weather and it will cost more to insure there. Additionally, your choice of mooring can have an effect too – chances are you could be relatively free from a moorings loading if you are on a pontoon in a marina but a swing mooring will often result in your cover costing you more. Also it is worth mentioning that, if your RIB is permanently moored in Continental Europe it will be rated differently than if UK based.How Fast Can Your RIB Go?There’s no doubt that the last few years have seen an increase in performance of RIBs being used for P&P and the maximum speed of your craft will be a factor on your premium and the availability of cover.Generally, up to 35 Knots is within the appetite of insurers. Above 35 Knots things start to change, with premium increased but most RIB insurers are comfortable offering cover up to 55 Knots. Above 55 Knots many insurers are uncomfortable meaning that they won’t provide cover or there is a sharp rise in premium rates for these RIB’s.What is your experience on RIB’s?Some insurers will allow a small premium discount if you are an experienced skipper. By experienced this is usually taken to mean more than 5 years with RIB’s. If you have less than 5 years’ experience then be prepared to have your premium loaded – over 2 years’ experience but under 5 would typically attract a load of 5% to the basic premium. Under 2 years and it could start to get painful; under 1 and you start to find insurers who will not even offer a quotation and others who will – but with a significant premium increase.You’re Qualifications?The Royal Yachting Association (RYA) has recognised training centres worldwide. If you invest in getting appropriate RYA qualifications – such as Powerboat Levels 1&2 – there may be a premium discount.No Claims have occurred?Typically, insurers will allow a 5% discount per year up to a maximum of 5 if you have held boat insurance and made no claims but it is possible to find insurers offering larger discounts in certain circumstances.Covering Personal Possessions & AccessoriesTrailers, inflatables and other accessories used with your RIB can be added to your schedule of cover – there will usually be an additional premium charged. Check your policy documentation for terms and conditions relating to use, security and storage of these items.In return for a further additional premium your insurers may allow you to add cover for personal possessions against loss of damage whilst on board your RIB. Before opting for this extension, however, it is worth checking exactly what is and isn’t covered as some policy wordings will detail a lengthy list of excluded property, including (but not limited to) passports, money, credit cards, travel tickets, jewellery, watches keys, mobile phones and laptops. You might also be able to obtain a better premium rate and scope of cover for this type of property as an “All Risks” extension to your home contents insurance policy.European Vacation?Many providers will include up to 30-days European use (including road transit) as a free extension so you can hook up your trailer and have fun – don’t forget to check your certificate and/or schedule to make sure this cover is in place before you go.Here’s a tip: If you are going overseas ask your insurer to provide you with a certificate in the language of the country where you will be using your RIB – it may save you a lot of hassle with the local authorities if you can present a certificate of cover that the local authorities don’t have to get translated.Transiting Your RIBCover for road transit of your RIB can be included on your policy – sometimes this is a freebie but some insurers will levy an additional premium for transit cover – don’t forget to ask your broker if your transit cover is free or if they are charging for the extension.Marine Third Party LiabilityYour RIB’s Marine Third Party Liability Insurance covers your legal liabilities arising from the use of your RIB as agreed by your insurers. It will cover injury to passengers and other third parties as well as damage to third party property.This cover often comes as a free extension to your RIB’s Hull & Machinery Insurance but some providers will levy a separate premium for your Liability Insurance. At time of publication the indemnity limit commonly provided by insurers is £3,000,000, though some will provide a higher limit if required (eg. a particular marina insists on a higher limit) in return for an additional premium.Depending on where your RIB is berthed, it may be a requirement for you to have Marine Third Party Liability Insurance. For example, the Environment Agency (EA) requires all vessels on their waterways to be registered and part of the registration process is to provide details of your insurance. Although you are not required to submit your documentation the EA carries out spot checks and will fine boat owners who do not have the correct level of insurance.Will You Be Water-skiing or Towing Toys?Obviously you’ll want to have fun with your RIB and if that includes water skiing or towing toys such as bananas, ringos and other inflatables you will need to have your liability insurance extended to include this activity.Policies are commonly endorsed with the permitted number of toys or skiers that can be towed at any one time and may have additional conditions applied such as having somebody on board to act as a look-out or observer in addition to the helmsman.Some Small Print to Look For:High Speed ClausesIf the maximum speed of your RIB is in excess of 17 Knots then your insurers are likely to apply some additional terms and conditions to your cover.Commonly defined as a “High Speed Clause” you are likely to find an endorsement on your schedule or certificate of cover that excludes cover that your policy usually provides to vessels with a design speed up to 17 Knots.Each insurer will have a slightly different wording so it is worth studying this exclusion if it is likely to apply to you. If in doubt, speak to a specialist broker who is familiar with the nuances of different policies and is able to make a suitable recommendation to meet your specific requirements.Outboard LocksTheft of outboard engines is prevalent. Professional gangs seem to be able to operate without fear of being caught and some cases, such as where they have succeeded in removing even the largest engines from vessels in marinas, their success in escaping with tens of thousands of pounds worth of outboard has been extraordinary.Insurers will almost certainly require your outboard engines to be secured to your RIB with an anti-theft device in addition to its normal method of attachment.Wheel ClampsTheft of your vessel while left unattended at any time on a trailer will more than likely be excluded unless it is secured by a wheel clamp. Some insurers will relax this if the trailer is in a locked building or compound. Check your documentation to be absolutely sure what your insurer’s requirements are.ExcessesExcesses often vary – usually the higher the value of your RIB and outboard, the higher the excess is likely to be. In addition to the standard excess, insurers may apply higher excesses for particular types of claim. For example, claims resulting from damage to semi-submerged objects (SSOs) can be subject to higher excesses than the policy’s standard.Kill CordsAt time of writing it is not a legal requirement in the UK for P&P craft to have kill cords in use whilst the craft is underway. However, some insurers are now making the attaching of kill cords a requirement of their cover for fast craft. Again, check your wording or speak to your provider if you are not sure what your insurance obliges you to do.Nb. These examples represent only a small part of your policy’s terms and conditions. You should carefully read the whole of your policy document to ensure you are aware and fully understand all policy requirements and the scope of cover provided. If in doubt, speak to your insurance provider and obtain clarification from them.Additional Cover & Free BenefitsLegal ExpensesThis cover is usually an “add on” which attracts a charge. A Legal Expenses policy will cover your uninsured losses in the event of a non-fault claim such as your standard policy excess. It might also cover you with regard to contractual disputes and legal defence.Data TagOne insurer I work with offers a free data tag to all policy holders. This is particularly useful for RIB owners as, if your outboard should disappear overnight, it is possible for it to be located by the police and the perpetrators apprehended.Marina BenefitsWe have already discussed (in Part 1) the premium benefits you are likely to enjoy if your vessel is kept in a marina. This is due to greater security against theft as well as the marina generally being a safer haven from adverse weather conditions than other types of mooring.In addition to premium savings you can often benefit from not having your excess applied in the event of a claim arising whilst your RIB is marina berthed. Some insurers will also provide the benefit of not penalising your no-claims bonus in the event of theft or damage occurring whilst your vessel is moored in a marina.Personal Accident InsuranceThis is a useful feature and, in most cases, it usually does come as a genuine free benefit. The sums insured are relatively low (typically £5,000 or £10,000) and do not compare favourably with stand-alone personal accident policies but, nevertheless, would provide some support if an insured event were to occur.You should always seek professional advice from a properly authorised and registered insurance provider before buying insurance.