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If you are a waterfront property owner Willie McGee Cardinals Jersey , then you must get a boat to take full advantage of your property. Having a dock is necessary for security of your boat and there are many types of floating swim platforms available on the market. The main purpose of floating docks platforms is entry and docking of the boats. It is normally attached to the shore with a ramp that rests upon the dock on rollers to regulate the vertical movements of the dock. There are many companies that can help you build a dock that meet your exact specifications. These companies usually offer floating docks which may be encapsulated dock floats or swim rafts.


The encapsulated dock floats, known as “pontoons”, are normally used for smaller boats. They do not support large structures, which is why larger boats are not preferred. One can combine docks in order to install a larger craft. Floating docks Bob Gibson Cardinals Jersey , made up of aluminum, stay for long periods of time despite the climate. They are flexible and can retain their shapes and strength even in rough waters.


Swim rafts are another type of floating swim platform available for both personal and commercial use. They work as an addition to swimming pools. It’s a great place for both children and adults to rest upon. The companies which sell marine hardware products mainly offer two types of swim rafts:


• Polyethelene Swim Raft
• Galvanized Frame Swim Raft


Polyethelene Swim Rafts are foam-filled, all-poly swim rafts that provide a durable, extra-large Stan Musial Cardinals Jersey , non-skid deck surface that enables children to have lots of fun. Companies present many added features for safety and convenience; some may offer them for a warranty of three years.


Swim rafts that are made up of aluminum are commonly acceptable, because they are splinter-proof and do not rust or rot. Despite the climate, these products may survive year after year. Galvanized Frame Swim Rafts, made of aluminum Ozzie Smith Cardinals Jersey , do not need maintenance and can provide your friends and family years of fun.

Of course, these don't have to be done in any particular order! Just pick one or two that particularly apply to your situation.



* Create your 2005 filing system. This might include new file folders, a new box to hold them or space in a filing cabinet with easy access. Mp>

* Set up a folder to collect all the important 2004 tax documents which will be arriving soon. Sure to arrive at your house are W-2s, 1099s Keith Hernandez Youth Jersey , mortgage statements, etc.



* Set up an appointment with your tax professional early so you get the appointment of your choice. This also gives you a deadline to get your information ready! If you're self-employed, the next quarterly estimated tax payment will be due on January 15.



* Review last year's investments especially in your 401(k), IRA's etc. Find out what financial planning resources your company or 401(k) plan administrator offers and set up an appointment to talk to them. For non-company portfolios Orlando Cepeda Youth Jersey , talk to your investment advisor. You have until April 15 to make contributions to IRA type accounts (check with your tax preparer for eligibility).



* What about Quicken or Microsoft Money? If you don't use software to balance your checkbook, pay your bills and keep track of your savings and investments, this is a great time of the year to get started. My personal favorite is Quicken and for small businesses, you might consider Quicken Home and Business. If you are a small business with Payroll needs Chris Carpenter Youth Jersey , check out QuickBooks.



* Medical Insurance reimbursements. If you haven't submitted all your medical bills to your insurance provider, now is the time to do so.



* Will and Estate Planning. No one likes to think about dying, but the best thing you can do for your family is to make sure they are taken care of by creating a will and making sure you have adequate life insurance. Think how easily you'll sleep knowing you have provided for your family even if you are no longer there.



* Speaking of insurance? If you haven't reviewed your health or home and auto policies in the last couple of years you might find you can save money andor have better coverage. For example, if you still have a $250 deductible (which was my first deductible in 1979!) Vince Coleman Youth Jersey , you will probably save by increasing it to $500 or $1000. Try to set aside some of your savings for deductibles in case you need them.



* Create your own Anti-Emergency Fund! We all know those car and home repairs, school fees, medical expenses and vacations are going to happen. Why not determine how much you'll need and save 112 of it each month? To read more go to:



* Holiday Bonus or Money Gifts If you received a financial gift this holiday season, hold on to it for at least 30 days while you decide what you really want to spend it on. All too often financial windfalls are spent before they even arrive. Consider dividing it into thirds: 13 to the past Mark McGwire Youth Jersey , 13 to the present and 13 to the future. Past might include paying down debt, present could be something you need or want now and future could be retirement, college savings, or a special vacation



* Financial Goals for next year Think about where you want to be next year at this time financially. If you want to save $1000 Whitey Herzog Youth Jersey , put aside $2.74 each day and you'll be there! Break down your financial goals into monthly, weekly and daily amounts and watch how quickly your savings will grow. Read more about it at:



Happy New Year!!!!!

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