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	Discontinuities in ci coating (suchasporosity, cracks, gape. and similar Bawd) that allow areas of base metal to be exposed to any corrosive environment that contacts the coated surface.
	A gift from Iona Iona Flavell, aged 12, raised 175 sterling for the victims of the Asian Tsunami. Today (7th April 2005) she presented a cheque for that amount to Lt. Col Ian Joiner of the Aldershot Rotary Club which will be put towards the cost of the replacement fishing boats. The first boat will be named IONA in recognition of such a big effort from a young girl. The School of Electrical and Mechanical Engineering (SEME) donate 6,000 sterling to Ex. Shrivenham Spirit SEME are the training school for the Royal Electrical and Mechanical Engineers (REME) of the British Army. Earlier this year SEME undertook a rowing marathon to raise money for the victims of the Asian Tsunami. MALABAR YACHT CLUB - new club facility the club house for the MYC is now complete. The building has 4 good sized guest rooms each with a/c and on-suite bathroom. Pictures are in the gallery. Guests are now welcome - contact us for latest rates. The Kondo Syokai Bouken Project gets underway with Exercise Shrivenham Spirit the first UK Forces Adventure Training Exercise in Kerala (Ex. Shrivenham Spirit) is building a replacement fishing boat for the victims of the Asian Tsunami - reported here in the Malayalam Manorama news and here in the Hindu Update on Asian Tsunami Boats the first replacement boat for the Asian Tsunami is now out of the mold. Paid for by the Rotarians of Aldershot, UK, this is a 9M vessel. She will be named IONA after the 12 year old daughter of Lt. Col Alan Flavell who by herself raised nearly 200 sterling towards the cost. See here and click on Boats for the Tsunami link for pictures. Asian Tsunami following our narrow escape from the effects of the tsunami, Kondo Syokai is trying to help fishing families in Tamil Nadu and Kerala. See here for details. ROSA in the News Reporters from The Hindu (India's largest circulation English newspaper) and the New Indian Express visited Kondo Syokai today (26th November 2004) and were shown around ROSA, the Malabar Yacht Club's first yacht. Articles appeared in the press and on the web. Ganso-Kiso the "base" Gazelle from Kondo Syokai and the lowest cost of all the Kondo Syokai Gazelles. In response to enquiries and suggestions the specification of Ganso-Kiso has been re-written. Now she really is a practical sail-away Gazelle for less than the price of a kit-boat. Ganso-Kiso is the door to the experience and benefit of journeying under sail. First pictures of ROSA under sail the first gazelle for the Malabar Yacht Club, ROSA, was sailed in the backwaters this week (17th October). This was simply to carry out a few preliminary checks prior to starting sea trials proper (scheduled for 30th October). It also provided an opportunity to get a few good pictures. MALABAR YACHT CLUB the first gazelle for the MYC is launched today 7th October 2004. The ribbon was cut by Mr David Pyle, Sales Director of Princess Yachts International PLC. This is a stunning vessel, the KS team have worked hard to get her ready for showing at the Indian International Boat Show this weekend. Pictures of the yacht can be viewed here. SOUTH INDIA - Practical, Affordable, Yacht Ownership for those of you who live in an area with cold and miserable winters from November to March this is just the tonic. Now you *really can* afford to own and keep a 50' yacht in one of the most fascinating places of the world - and at the same time escape the misery of winter. The KS Boatyard is now able to offer wooden boat building So you think all steel boats look the same? Think again! the KS Boatyard produces an unbelieveable mirror finish using International and DuPont coatings. Launch date set for Gazelle No.1 7th of March is the date that the first Gazelle will be put in the water Auxillary Finalised The decision was taken to fit the Simpson S 217 25.5 bhp diesel engine mated to a ZF 12M reduction gear as our standard item. Boatyard Visits Boatyard visits are also a great holiday opportunity - check out the Prospective Buyers Visit Package for more details and see the new images of the boatyard on the Boatyard Visit page

holiday mexico guide

Holiday Spending Tips - Ten Ways To Keep From Having A Holiday Spending Hangover
By Kristine McKinley
Ah the holidays... a time for parties, over eating, and over spending. Americans routinely overspend during the holidays, often resulting in increasing credit card debt to go along with that increasing waistline from too much pumpkin pie.

The are stressful enough. Don't add to that stress by overspending your holiday budget. Here are ten tips to help you save time, money and stress this shopping season:

1. Make a list. Decide how much you can afford to spend this year and write it down. Decide who you want to buy for, and how much you want to spend on each person. Take this list with you when you go shopping to ensure that you don't buy on impulse or exceed your spending limit. Also, don't forget to include wrapping paper, decorations and shipping costs. These can add up fast!

2. Pay cash for your holiday gifts. It's much harder to spend cash than credit, so this tip alone could save you hundreds of dollars this holiday season. Also, avoid credit card offers or store charge card offers that offer you a discount if you sign up. These cards usually have high interest rates, and could end up costing much more in the long run than the discount you receive when you sign up for the card.

3. Do your shopping online this year. Buying online could result in discounts not available in stores. Just remember to include the shipping cost when buying online. Even if you don't actually buy online, the time you can save by doing comparison shopping before you go to the malls could be invaluable.

4. Have a Secret Santa gift exchange, where you put names in a hat and each person draws one name to purchase for. If you have a large family, this could mean tremendous savings! You should set a dollar limit so each person knows how much to spend. That way no one overspends and relatives with smaller budgets won't feel bad about not spending a fortune on a gift.

5. Another alternative for those with large families is to do a group gift. Have several relatives go in on one big gift instead of each person buying a separate gift. You will probably all save money and you can buy the recipient one big, cool gift that they really want.

6. Start early! Shopping early allows you to comparison shop and to catch pre-holiday sales, which could mean huge savings. This also curbs impulse shopping, which can be very expensive. Another benefit to shopping early is lower shipping costs if you need to mail a gift. Waiting til the last minute can be expensive because you're more likely to pay full price for the gift, and you may have to pay extra to ship it if you want to guarantee it arrives in time.

7. Make your holiday gifts. If you have creative talents, such as cooking, crafts, etc., making your own gifts can be very special. If you're not very creative, consider giving your time. Offers to baby-sit or to do something special for someone can be very personal and appreciated gifts. How many parents do you know who wouldn't love to have free babysitting?

8. Purchase wrapping paper, holiday cards and other decorations right after the holidays. Seasonal items are usually offered at deep discounts after the holiday, and they never go out of style. Stock up on clearance-priced items for next year, this year!

9. If you'll be traveling this holiday season, book your travel plans early. Airline flights, train tickets and bus tickets usually go up significantly during the holidays, so booking your travel plans early can save you money and stress.

10.

Holidays, travels and hotels in Europe
Top-Rated Hotels: Norwood Hotel (http://www.tripadvisor.com/Hotel_Review-g186332-d279943-m10556-a_aid.CD1458-Reviews-Norwood_Hotel-Blackpool_Lancashire_England.html)Blackpool, Lancashire, England, United Kingdom Palazzo di Pietro (http://www.tripadvisor.com/Hotel_Review-g189415-d294880-m10556-a_aid.CD1458-Reviews-Palazzo_di_Pietro-Chania_Crete.html)Chania, Crete, Greece Chateau des Ormeaux (http://www.tripadvisor.com/Hotel_Review-g187116-d309025-m10556-a_aid.CD1458-Reviews-Chateau_des_Ormeaux-Amboise_Loire_Valley_Pays_de_la_Loire.html)Amboise, Loire Valley, Pays de la Loire, France La Villa Marbella - Charming Hotel (http://www.tripadvisor.com/Hotel_Review-g187439-d541333-m10556-a_aid.CD1458-Reviews-La_Villa_Marbella_Charming_Hotel-Marbella_Costa_del_Sol_Andalusia.html)Marbella, Costa del Sol, Andalusia, Spain Hotel Davanzati (http://www.tripadvisor.com/Hotel_Review-g187895-d296175-m10556-a_aid.CD1458-Reviews-Hotel_Davanzati-Florence_Tuscany.html)Florence, Tuscany, Italy Aparthotel...

Start a Christmas fund in January for next year's shopping. Many credit unions and banks offer special accounts just for this purpose. A CD is another great way to save for next year's holiday expenses. It never hurts to sock away a little money every month between now and the next holiday season. You'll earn a little interest and you'll have cash to spend on your holiday gifts and other expenses when the roll around.

Kristine A McKinley, CPA, and Certified Financial Planner, is a fee-only financial planner. Learn how improving your credit score can save you hundreds of dollars each year with our free ecourse Boost Your Credit Score in Five Easy Steps. beacon-advisor.com/e-course.asp

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