Monthly Archives: July 2010

Farm Insurance

Posted on July 16, 2010 by admin| Leave a comment

Insuring a farm is similar to insuring a business because the equipment and multiple buildings will need to be covered in addition to the residence. There are many misconceptions about what is included in this type of coverage and what the insured is protected against. The following is a basic overview of the truth about farm insurance and all that it includes.

Insurance for a farm or ranch includes coverage for the home and personal property like appliances, furniture, electronics, and clothes. It also covers farm structures and buildings as well as farm personal property. The insured can designate specific farm personal property to insure or the coverage can encompass the personal property used in the farming operations.

This coverage also provides payment for specific types of loss when the home is either damaged or uninhabitable due to a covered reason. Coverage for farm machinery, structures, and buildings may be expanded to include additional losses due to accidents such as building collapse. The liability coverage include in the policy protects the farm owner against bodily injury or property damage liability due to a covered incident.

The specific dangers covered by this policy include theft, vandalism, fire, lightening, windstorms, hail, smoke, and explosions. Livestock are covered if they are attacked by wild animals or dogs, shot, electrocuted, or if they drown. Medical payments are covered for individuals who are accidentally injured on the premises. This does not include the insured, his or her family members, or any employees of the working farm.

The truth about farm insurance is that it covers not only the main residence, but other structures. It also provides protection for personal property, farm machinery, livestock, and visitors to the premises. This insurance is both broad and flexible, due to the optional additional coverage that the farm owner may purchase.

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Approach Agricultural Investment For the Private Investors

Posted on July 15, 2010 by admin| Leave a comment

The current climate can be defined by three key characteristics; lack of visibility, low interest rate, and the very real threat of inflation caused by quantitative easing and austerity measures. Essentially investors are nervous about stocks and shares because such limited economic visibility it is impossible to value companies and predict growth or depreciation in the value of shares, also we have lost the risk free income that we would normally accrue from cash deposits because interest rates are so low, and inflation will eat into our cash, effectively reducing our wealth.

So how does agricultural investment solve our problem? Let’s take this opportunity to look at the simplest and most transparent form of investing in agriculture; farmland investment. Firstly farmland shares a positive correlation with inflation; having proven to grow in value quicker than the rate of inflation rises, therefore this type of farmland investment allows investors to grow their capital even in an inflationary environment. Also this mode of agricultural investment enables investors to capture income by renting their farmland to a commercial farmer who will work the land, this effectively replace the lost risk free income that cash would normally provide. Thirdly, investing in good quality farmland has an infallible track record of being low-risk, with a lack of supply and increasing demand for food pushing up values consistently. It is easy for a person of logic to see that demand for food will continue to rise in line with population growth, and there are fundamental limits to bringing any more farmland into production.

So agriculture investment in this form certainly fits the bill when weighed against the current economic climate, and provides investors with all of the ticks for their boxes. So how does one approach agricultural investment in the form of investing in farmland? The answer to this question is long and complex and many factors must be taken into consideration to ensure your agricultural investment turns out to be a profitable one.

Firstly one must consider location, UK, Europe, The America or Australia all present opportunities, but my advice will always be to invest locally, or at least within a structure that allows any future dispute to be handled locally.

Secondly consider the business model, do you want to buy the land and rent it out, or do you want to share in crop yields? I would always prefer to shoulder the commercial farming risk with the tenant farmer and simply enjoy a stable rental income as any default is easily handled by evicting the farmer.

So agricultural investment, does provide income, growth and capital preservation, especially it times such as these, but anyone considering an agriculture investment should at least take on the services of an expert consultancy who will have the investors need at security as their priority. Whenever considering a farmland investment for my clients, it is paramount to properly qualify the requirements of each investor, only then is it possible to recommend a suitable type of agricultural investment.

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Battleground

Posted on July 14, 2010 by admin| Leave a comment

Warsong Gulch

Warsong Gulch, commonly referred to as WSG, is a ten on ten capture the flag battleground. It is a two base environment with the Horde base to the north and the Alliance base to the south.

Zerg

This is my personal favorite strategy. This strategy is a big offensive plan. It involves either sending all or most of you players to the enemy flag. Your team will all rush the flag and try to kill the enemy flag carrier on your way back to turn in the flag. You can leave two members to defend your flag just to slow the enemy flag carrier for for massive offensive group to get back and kill him. This strategy seems to be highly effective and is recommended.

Balanced

This strategy is as it sounds, your team sends five players on offense and leaves five for defense. This is highly effective teams who zerg. This can often lead to long drawn out battles. This strategy is recommended if you notice the opposing team is zerging against you.

Arathi Basin

Arathi Basin, know as AB, is a capture point battleground. For every control point your team has, you gain resources. The first team to 1600 resources wins. The five points are; Blacksmith, Farm, Stables, Gold Mine and Lumber Mill. This battleground is a 15 v 15 battleground.

There is only one main strategy here and that is to split your 15 players up into well balanced groups. Each group should have a healer and a mix of range/melee with different crowd control abilities. In this split you should decide which groups are going to which points. Ideally you team can hold on to three of the five points and win. I recommend only holding three of the five if you are with a random team. Holding the tree points with balance teams is almost a sure shot win. With this plan you should see much success in Arathi Basin.

Eye of the Storm

Eye of the Storm, or EotS, is a mixture of Warsong Gulch and Arathi Basin. It consists of 4 capture points and a neutral capturable flag. The four points are; Mage Tower, Draenei Ruins, Fel Reaver Ruins and the Blood Elf Tower. In EotS you obtain points by holding points and capturing the flag. The more control points you have the more points you get for capturing flags. There are a few different strategies to win this battleground.

Zerg

This strategy works best with a heavily geared team. Your team should split up into four groups. The main plan of this strategy is to control all four points as fast as possible. With extremely geared groups you can achieve victory within 5 minutes. Once your faction caps the first two points closest to the original point spawn, 2 players from the groups in charge of those points should stay to defend them. The rest of those groups should push the towers to the direct north or south and help cap them. With this power you should be able to take to last two points and win quickly.

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Wild Animals, Crops, and Farm Animals

Posted on July 13, 2010 by admin| Leave a comment

In FrontierVille, there are three different categories of things you should focus a lot on. These categories are: wild animals, farm animals, and crops. There are currently four different wild animals in FrontierVille but you can surely expect more as the game progresses. So far, FrontierVille has included the Grizzly bear, the fox, the groundhog, and the grass snake. These animals appear when you do a certain action. The Grizzly bear normally appears when you start chopping down an oak or pine tree. The fox appears randomly. The groundhog appears when you harvest or plant trees and crops while the grass snake appears when you clear rocks and skeleton remains. These wild animals are annoying to deal with, especially in the beginning. They take up one to five energy points to clobber or to get rid of. This is annoying in the beginning because you have very little energy points to start off with. However, if you have a few energy points to spare then clobber them away. These wild animals get you a lot of experience points, gold coins, and food. You can also collect items which are based on wild animals collections. For example, if you complete the grizzly bear items collection then you can gain 50 experience points (this may change at a later date as FrontierVille is still adjusting a few features here and there).

The next important aspect of FrontierVille is the crop. Like FarmVille, there are many different types of crops you can grow and harvest. Each crop has different costs, bonuses, and profit margins. For example, the clover is the cheapest you can grow and it only takes five minutes before you can start harvesting them. Unfortunately, they do not give you much in return. As your game progresses, you want to target crops like peanuts in high yield. You can gain a lot of profit at the end which is useful because there are some missions which require you to earn 100,000 to 200,000 coins. In the beginning, trees are pretty good to start off with. You just need to plant them once and then you can continue to harvest them as much as you want. Like the wild animals, you can also collect collection items and get bonus experience points.

Finally, farm animals are just as important as crops. You have to feed them a few times before they reach their full potential. You can continue to feed and receive bonus from farm animals. At the moment, there horses, oxes, chickens, geese, and cows.

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Posted in Farming, Introduction

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