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Consumers - Fight Back With FTC`s Do Not Call Registry
By James H. Dimmitt


Marina Insurance
If you need to buy Marina Insurance you may well have been given a number of different policy wordings from a variety of companies, this is a guide is to help you decide what sort of policy would suit you more and give you the exact cover you need. You have to look for value for money the cheapest is not always the best. A. cheaper policy may end up costing you a lot more money in the long run, should you have to make a claim. Your needs will be different to everyone else`s and only you can decide if wider cover is important to you. It is essential though, to understand what is being offered to you, before being able to make an informed decision and signing up for any Marina Insurance .There are a few things to think over before you decide .Firstly there is third Party Liability you should not consider going anywhere on the water without liability insurance, which will cover you if you cause damage to another boat or cause injury to any person. The industry standard provides a limit of £2,000,000 and should be sufficient in the UK. Comprehensive Cover will provide cover for your boat against accidental damage, theft, fire and vandalism which is a great risk to any boat. Lastly do not forget to insure for any laid up cover some companies may insist it is laid ashore between certain dates.


The Federal Trade Commission has rolled out it?s National Do Not Call Registry and the registration site already has over 700,000 registrants. This is great news for consumers who have grown tired of annoying sales calls by pesky telemarketers.

Consumers can register online at www.donotcall.gov.

You can register up to three personal phone numbers at one time. This is a free service established by the FTC and your ?do not call? registration is good for a 5-year period.

Additionally, a toll-free number is also available for those who want to register by phone. The toll-free number is 1-888-382-1222. You must call from the phone number you want to register when using the toll free registration service.

The toll free number is only accessible to those states west of the Mississippi River in the initial week of registration. The program will spread nationwide the following week.

Telemarketers will be required to ?clean? their call lists by matching their list against the national ?do not call? list every 90 days starting in September 2003.

Companies who call listed people will be subject to fines of up to $11,000 per violation. Enforcement will begin in October 2003. You will be able to file a ?do not call violation? complaint online or by phone.

Over two dozen states already have their own ?do-not-call? lists and most of these states plan to incorporate their lists into the national registry. If your state is one of them, you do not need to re-register for the national registry.

CAUTION: There have been reports of scam artists and identity thieves calling people to request or confirm personal information for this new registry. The FTC has posted this warning to consumers on their web page:

?The FTC will not allow private companies or other such third parties to "pre-register" consumers for the national Do Not Call registry. Web sites or phone solicitations that claim they can or will register a consumer`s name or phone number on a national list ? especially those that charge a fee ? are a scam. Consumers will be able to register directly with the FTC, or through some state governments, but never private companies.?

Consumers should also be aware that some types of telephone solicitation are exempt from the do-not-call protection. Companies from which you have purchased, leased or rented from in the previous 18 months are exempt. Also charities, surveys, and calls on behalf of politicians will be exempt from this service.

The National Do Not Call Registry does not cover business to business calls.

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