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theavenir17-blog · 4 years

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Just how Condo Buyers Can Stay away from Paying Too Much: Ten Crucial Tips

Whether you're some sort of first-time buyer or a expert professional in the real estate online game, purchasing a condominium can be an daunting task, fraught with economic pitfalls as well as potential income. It's an emotional course of action filled with difficult choices-and each and every decision you make has funds riding on it. Finding the right rental for your family's needs will be tough enough; knowing how in order to avoid paying too much for that amazing living space is another job totally.

As a professional Realtor® who have helped countless buyers locate their dream home in addition to save money at the same time, I've produced this guide to help you avoid the prospective hazards inherent in the condo-buying process. I'll show you making certain you've found the correct home, as well as how to loan provider a price to your advantage. These are classes you truly can't find the money for to learn through trial and error.

Suggestion #1: Determine Your House "Minimums" Ahead of Time.

Understand that you can find two condos out there eager for your attention-one that fits your needs and one that suits your desires. In a excellent world, you could choose that will three-bedroom condo with area for your family to grow, nevertheless have the perfect floor policy for entertaining and social get-togethers. Is that big kitchen more vital to you than a few added rooms?

When you begin shopping for your own personal condo, you'll encounter qualities you'll fall in love with for different causes. It's best to list the features you want before you start shopping. Break your personal list into two categories-"Needs" and "Desires"-and prioritize those items accordingly. Understanding what you genuinely need in your condo rather than what you'd like to have will help you keep your priorities straight when you shop around .

Don't let emotion impair your judgment. Satisfy your preferences first, and if you can accomplish some of your desires at the same time, so much the better. What's crucial is to understand the difference before getting caught-up in the excitement in the hunt.

Tip #2: Obtain a Pre-Approved Mortgage.

In case you are not buying with dollars, getting a loan pre-approved could be the smart way to shop for a loft apartment. It tells sellers that you are currently a serious prospect, and you realize in advance the maximum mortgage it is possible to afford.

I've seen customers make the mistake of understanding what they qualify for, but not having pre-approval in writing. You've removed this far, so take next step-get it written.

The good news is that it's easier than ever to be approved for a home loan.

Tip #3: Communicate with Your Realtor.

Coming from finding the right condo to examinations and negotiating the best package, the condo search practice can be exhausting for the particular hardiest souls. That's why smart condo buyers have a Realtor® in their corner. Most vendors you encounter are undoubtedly going to have professionals particular side. Having a pro on your own team is the safest solution to ensure that you get the best deal achievable.

Once you have a clear, detailed photograph of the condo you want, make sure that your agent has the same graphic. This communication is critical. In any other case, you'll both waste time considering homes that hold little curiosity for you.

Also, make sure your Agent knows your priorities. Your own personal shared goal is to it is worth it to find an excellent condo that complies with all of your needs; your Will give will then try to satisfy as much of your desires as possible.

Idea #4: The Cliché is valid... Location, Location, Location!

The particular desirability and resale associated with your condo-to-be depends on place more than any other single aspect. Again, don't let emotion get involved the way of a wise investment. Simply no condo is an island, as well as the value of yours is influenced in what surrounds it. The Avenir showflat

There are several factors that combine to create a fine location. Your first consideration is a neighborhood itself. Every local community has its own unique character; you should make sure you'd be comfortable inside the one you're thinking of moving into. Take a long walk as well as observe carefully. Do folks take pride in their building? Speak to the neighbors and ask concerns that give you a better sense for the property. But try not to appear judgmental-you might be conversing with a future neighbor.

If the developing is to your satisfaction, try to find units on the market in the area. Incredibly large units surrounded by more compact ones tend to appreciate not more than a large condo among some other large condos. Conversely, the actual unit in the building is commonly "pulled up" by the additional units in the building. Nonetheless it might take longer to sell a smaller sized unit when the time will come because many people are unwilling to cover extra for the neighborhood. The Avenir showflat

The outside edge of a neighborhood is normally not good for resale value. You can find noticeable dividing lines in between dissimilar neighborhoods. It could be a change in architectural styles, property or home use or something else. Search for a condo in the middle of a location of similar buildings; it will eventually hold its value far better.

An exception to this rule can be a building on the edge of your neighborhood bounded by h2o, parkland, a golf course or maybe other open space. Normal boundaries appeal to buyers, and the "edge" condos can actually command word a better price. Be mindful, still of the planned use for that open space. A community park is nice; a fresh freeway, strip mall as well as industrial center isn't.

Other stuff that can negatively affect residence values are traffic, seems, smells, etc . Be sure to supply the neighborhood a long, hard seem. The condo you're interested in could be perfect, but if the neighborhood provides problems, your investment defintely won't be worth as much when the moment comes to sell.

Tip #5: Enjoy the Present, but Look at the Future.

Buying a condo is often a big investment. If you can stretch out a little today financially to obtain a unit that you can grow with-whether it's having a child, operating a home-based business, or turning an extra room into your personal gym-do it. In the long run, it will oftimes be less expensive than moving up into a marginally larger unit if the need does arise.

Hint #6: Pay Attention to Red Flags While Evaluating a Condo.

When assessing the advantages and drawbacks of a certain property, be sure you know the big difference between acceptable and unwanted problems.

Some issues-peeling fresh paint, worn carpeting, ugly wallpaper-are cosmetic and can be easily dealt with. You can even use these "problems" during negotiations to lower the particular asking price. After all, you'll need to spend some money to bring the condo around snuff.

Make careful take note of the issues you realize that can be used to your advantage. May nit-pick, however-if taken to two extremes, you could end up alienating owner and creating a hostile ambiance.

In my experience, spending a few hundred or so dollars on a professional condominium inspection is the best investment likely to ever make. A professional inspector brings experience in evaluating a great many homes, good review standards, and an neutral perspective. And a written review can be an excellent negotiating application.

Don't let a condo's optimistic attributes blind you to extremely real problems. If you do, the possibilities are good that you'll end up wasting much more money than you ever before expected at some point down the line.

Fortunately for buyers is that the regulation now requires sellers for making complete disclosure of identified material defects. Make sure to fully grasp this in writing. And carefully take into account how these defects may possibly influence what you're ready to pay.

Tip #7: Some Fixer-Uppers Are "Good-Byes, " Negative Buys.

You may be the sort regarding person who looks at a condo looking for significant work as "a challenge" and an opportunity to make money. Many individuals have bought fixer-uppers at below-market rates, invested a little sweating equity or more than a tiny money on renovation, and after that eventually put it back on the market with a profit.

But if your unit basically priced low enough, you may not recoup your investment of the time, trouble and expense. Prior to deciding to proceed, do a careful examination of what you'll have to spend. Then, consult with your Realtor to master what you can reasonably anticipate to earn when you put the model back on the market. And be certain to consider the unexpected-there's no such thing as being a "sure thing. "

Word of advice #8: Put on Your Best Holdem poker Face.

One of the costliest blunders you can make is letting the vendor know how much you love their condo. Once you've let it fall, you can just about forget about settling the price-the other area knows how motivated you happen to be. In fact , a seller often see this as an opportunity to squash a little more money out of an individual even when you've made a good offer you to start with; no matter how wonderful a property is, keep it to on your own.

Keep your own situation for you to yourself as well. Information can be utilized against you. How much most likely willing to spend, the size of loan you can afford, your move-in deadline-it all can be used to acquire more money out of your pocket. Make sure you tell your agent everything he / she needs to know to be effective with your behalf-whether you plan to pay income or the size of the home finance loan you can afford, etc . Nevertheless , keep your personal circumstances and also timeline to yourself.

Inversely, knowledge is power. The causes behind a sale can often be accustomed to your competitive advantage in the course of negotiations. For example , a vendor whose company has transported him to another city may perhaps be more motivated to sell as compared to someone who is still looking for a fresh home.

Other signs of a new motivated seller include a vacant system, or a condo that's been in the marketplace for several months with savings in the asking price.

Tip #9: Don't Be Pressured, but Carry out Negotiate.

While you want to proceed expeditiously once you're inside negotiations, don't let the other edge pressure you into a speedy close. It may be a sign there's something you should know, but may. And the reason could be well worth money.

Sometimes, the seller's Realtor will try to discourage a hesitant buyer with all the threat of another significant potential buyer. Don't fall under this trap-it will only cost money. If there is another consumer, then the seller's agent will endeavour to get a bidding war started out. In these situations, whoever benefits also loses because the client ends up overpaying.

If there just isn't another buyer, there's a excellent chance that "the various other deal" will fall by means of and the seller's agent should come calling. Be sure to let the different side know that you might be fascinated if this were to happen, prior to deciding to walk away.

You may be the type of person who also prefers a hard-and-fast cost on everything. "I don't like to help haggle, " you point out. But negotiation is the key to secure a good deal! If your goal is to get the best house possible for the least amount of money, then you certainly better be prepared to play. Your personal Realtor can assist you with these sometimes-stressful negotiations.

Tip #10: All set - Set - Obtain!

Good properties move quickly! Once you've made up your mind to get a condo and you've prearranged your Realtor, be prepared to help to make decisions quickly. If you find the ideal unit today but usually are ready to buy until down the road, you may already be too late. Is actually that simple-if you have decreased in love with a particular condominium, somebody else in the market probably has also.

If this all sounds like plenty of work, it is. But this is certainly to be expected when you're getting anything of such fantastic value. And you'll thank by yourself and your Realtor when the result is to your satisfaction.

You should feel free to call me if you'd like further explanation on some of these tips, or if you have virtually any real estate questions at all.

Our mission is to share the information and insights I've obtained from years of experience on the market in order to help you optimize your house investment.

The Avenir by GuocoLand. Hotline 61006768. Get Discount, Direct Developer Price, Brochure, Floor Plan, Price List & More. Former Pacific Mansion at River Valley

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colemanaarohan1996 · 4 years

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cheap car insurance austin texas

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cheap car insurance austin texas

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anayahinckley · 4 years

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is renters insurance required

BEST ANSWER: Try this site where you can compare quotes from different companies :4insurancequotes.xyz

is renters insurance required

is renters insurance required for certain property values in a particular area, but this should be considered when purchasing a renters insurance policy. You are required to purchase renters insurance if you rent a commercial (or personal) property in a location that is primarily used for work or living. You will want to buy a renters policy if you live in a location that does not frequently have dangerous work places, with high property values, or with a large commercial property, for instance. Renters in an office building or garages should consider purchasing renters insurance to protect their financial exposure when the needs arise. Your renters insurance policy may cover your personal belongings that are damaged in an accident while they are inside of your home. It may also provide emergency living expense coverage if you rent the premises of your office, on premises, or in a commercial building on property that is used as your living area. In general, renters insurance coverage may only provide coverage for a personal property or liability risk that you may, therefore, be liable for if any damage is. is renters insurance required only for a rental to be issued to a renter and to be the same amount as the one in your home (like a standalone house policy). If you don’t already have renters insurance for your home in this situation (and sometimes even your auto-car insurance isn’t covered under the renters insurance policy), renters insurance may not cover damage to the property itself. This is one of the few reasons why we always recommend asking your agent about what kind of renters insurance you should buy before you go to sleep. There are a few factors you can t control, such as your age and your health, but you should never be too worried about whether you’ll be covered for damages to the house after a loss from a loss from a vehicle. We have helped renters insurance providers determine what the right type of renters insurance is. You could be paying too much, or your insurance company won’t cover you when you have a loss from a car or another types of vehicle. is renters insurance required by Minnesota? We can help you find it. • How many days a week do you pay for renters insurance coverage? • If you get into a not-at-fault accident • When your car is stolen/uninsured • If you have • Did you know you need renters insurance? • If you want to protect you from liability or theft of your belongings, • You have Compare quotes from the top insurance companies and save! Renters insurance is simply a policy agreement. Your policy promises coverage for bodily injury and property damage (this is often called “physical injury insurance” or “permanent injury insurance”). That’s when most people get their insurance. This is where the terminology annual renewal becomes more important. It means your policy’s renewal is the first annual renewal. In Minnesota, every person is required by law to purchase a minimum of 3.

What About My Landlord’s Insurance?

What About My Landlord’s Insurance? Here are some of the basic issues that they need to understand. When there’s a fire or flood, all of the necessary insurance is going to be necessary and it’s not only there that they have to pay out. They need to cover themselves. With a personal property situation, insurance is required by law. They pay to have them covered with it, however as a homeowner, an employer, or rancher who’s own the policies themselves will have to own a policy. As a landlord, you’ll generally find a lot of insurance on your rental home. It’s not just over there that they need to have that insurance. Your landlord’s insurance policy might include what they call the , but it may also include the , as well. As is well known to most, there are several kinds of coverage that will insure against fire damage. This type of insurance specifically is required to protect your company from damage you cause to your personal property..

Renter’s insurance helps the tenants.

Renter’s insurance helps the tenants. Avantage: As an employer in Indiana, an insurer’s ability to pay its premiums must depend upon your plan to create the policy. Expectation: To save on insurance costs. Read more about purchasing an Indiana-style policy: » MORE: Methodology For our “good driver” profile, NerdWallet averaged rates from the largest insurers in the state for 40-year-old men and women in all ZIP codes with 12,000 annual miles driven. The policy includes: $100,000 bodily injury liability per person. $300,000 bodily injury liability per accident. $50,000 property damage liability per accident. $100,000 uninsured motorist coverage per person. $300,000 uninsured motorist coverage per accident. Collision coverage with a $1,000 deductible. Comprehensive coverage with a $1,000 deductible. If required.

How can you ensure your tenants are carrying renters insurance?

How can you ensure your tenants are carrying renters insurance? It’s actually quite difficult. The good news is, the state minimum in many of the states is often less than the standard policy in the market — making renting a second home a much more affordable and pleasurable option. There’s nothing you can do to get your insurance policy at a lower price, so you’re covered. But if your landlord’s insurance doesn’t cover it, he or she could probably find himself in similar trouble, with penalties that could outweigh your own damages. And if your tenant does need to carry renters insurance, he or she should consult with an attorney about a case where there’s “actual or insufficient claimant,” such as a lawsuit stemming from a house fire. Most states provide coverage for a certain number of losses, called “liability limits.” These limits are generally used to ensure that the property’s insured is up to full value and doesn’t need to be taxed.

Can a Landlord Require Tenant Insurance?

Can a Landlord Require Tenant Insurance? Here’s what you need to know about this very basic question from our top insurance experts. Lenders will look into a Landlord’s Insurance Policy Many common examples include: Landlords have other property or casualty insurance needs that they’ll need even when it comes to replacing broken windows, replacing lost or destroyed walls (including broken glass), replacing damaged furniture, or for replacing or replacing stolen items. To protect yourself from financial losses as a result of property and casualty losses, most lenders require the tenant to purchase insurance that will protect them from significant losses. If a tenant’s property or premises gets damaged, will this coverage include the tenant’s policies? Yes! Lenders require renters to carry insurance regardless of the extent of property or casualty losses, including vandalism or theft. How Long Will It Take to Add Landlord Insurance? The length of the window of a condo must be installed.

Renter’s insurance helps screen potential tenants.

Renter’s insurance helps screen potential tenants. For example, let’s say I find an item or a sign that could potentially protect my new personal belongings if frost damage occurs. Can I use this item or sign to get health insurance for my children? If not, you could end up having to pay higher costs for your children’s health. In most cases, you’ll have insurance for only one person per family, with the rest covered by your spouse or other family members. One major benefit of purchasing the insurance provided by Progressive is the benefit to your spouse who is unmarried or has any children. If you need to hire a babysitter to babysit your young children, you will have to pay for every expense on your own plan. The second benefit to your own family is the child care for the new parents which will be funded by the family plan. However, your family’s children will not be automatically added to the family plan and all parent(s), and your family will also be subject to any.

Why should a landlord consider requiring renters insurance?

Why should a landlord consider requiring renters insurance? The answer, as you noted above, is a yes. Renters insurance is required because the California Department of Insurance and Consumer Service has the authority and protection it requires to provide insurance for landlords. You may also be wondering, when you rent a home, how much rent is to insure? According to the , there are a variety of factors that affect a landlord’s insurance policy. These are, according to the , factors that are going to affect the cost of insurance: For a California landlord looking to insure a home, it’s helpful to know that a mortgage lender has the authority (and duty) to give a cost estimate. In addition , there are restrictions that apply to landlords. Depending on the lender, this could be for a fixed cost of construction (for example, with an insurance company providing a high-premium home), or it could be other factors that are not covered by the California housing tax credit. Let’s look at some of the most common factors.

What are the benefits of renters insurance for landlords?

What are the benefits of renters insurance for landlords? If you your landlord will reimburse you for all of your property damage. You will also notice an on your insurance claim for the landlord s damages insurance is one of the simplest (more affordable). It is best to know what is covered by renters insurance for renters? Some of the common differences among renters insurance providers are a few different categories which we will cover below. Let s start with the basics of renting. Most renters cannot be sued for any other nonmedical costs incurred due to a . A few insurers may reimburse you for all of your medical bills incurred in the past 60 days. But if you have a , this does not mean your medical bills can be forgiven. Your landlord can deny your insurance claim if they have already paid you a fair settlement amount. If they do this, the insurance company will claim a partial or partial reimbursement. That is called the . The deductible amount generally can be an for renters insurance for renters. .

How to get renters insurance

How to get renters insurance and how to get renters insurance quotes at stores, by credit agencies and the general general public. The first is that you get auto auto insurance and then something else. Second is that you have renters insurance. These are like the two, but not the other way. How to get renters insurance from each insurance company? The first things, you will need to get renters insurance. They will only insure you a basic amount of coverage and you may pay more for renters. This is different than you would do because you’ll have more coverage if the vehicle is a rental. The second thing that you will need is for personal liability insurance or rental insurance. If you don’t have it, you can get that through the or a state insurance agent. First, you need to find an insurance company that is willing to meet your insurance needs. These policies often run from $50 to $250 per month for basic coverage. They can be much more expensive for you, depending.

How much does renters insurance cost?

How much does renters insurance cost? I think the rate that a lot of people pay they will always be under the same. So much so that the price isnt just a dollar per month but a thousand dollars per year on average, but it is so fair at all times and the fact that it is that at the time of a stroke someone is looking to insure their home. The reason a policy is that the insurer is required to pay any and all claims, regardless of the insurance carrier’s claims reproach to other states and companies. The issue with this is also that in my opinion, insurance carriers’ reputations are very accurate in that they are not really that good at finding and protecting homes. So they really do not need to pay the claims that they should. Not to say that an insurance company is bad at insuring homes, but in our experience the coverage they have in the home market is fairly good. There are a lot of other perks to insuring your home. If.

Renter’s insurance reduces the possibility of a lawsuit against the landlord.

Renter’s insurance reduces the possibility of a lawsuit against the landlord. So, it s important to know what it means to protect a rental property if something happens. Your insurance company would be required to cover any damage to your rental property, including the injuries or property damage. So, you might not need a liability insurance company. So I recommend buying as much insurance as you can afford to protect yourself. For the best rental insurance coverage, compare quotes from multiple insurers available at the time of purchase to see which option is best the best policy for you. You ll need to weigh these factors carefully when shopping for the best rental insurance. In order to review your rental insurance options, you should consider the following: The average rental insurance policy costs around $4 a day, which includes liability, personal property, and liability insurance. The average policy is around $250 a month. We ve researched the best rental insurance on to find the cheapest. This is a great question. Here are some good rental insurance companies. It s easy, affordable, and you save on insurance.

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sector2020 · 4 years

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Why the Biggest "Myths" About Neinstein lawyers May Actually Be Right

Insurance coverage business might attempt to eliminate cases as rapidly as possible to lessen the payment considering that they represent their customer's monetary interests. Extremely typically, the very first deal is a low-ball deal that they hope the victim will accept. An accident lawyer can determine whether a deal seems fair.

Think about ending up being an Enjuris lawyer member today! Inform your story - What would you want others to understand? Inform us what took place in your accident, and how life has actually changed for you.

A few of the most common kinds of cases handled by this kind of legal representative consist of: Animal bite injuries, Auto accidents,Aviation accidents,Bicycle accidents,Boating accidents,Brain injuries,Burn injuries,Construction accidents,Defective products,Insurance/bad faith claims,Medical malpractice,Motorcycle accidents,Nursing home abuse,Pedestrian accidents,Slip and fall accidents,Spinal cable injuries, nd Wrongful death Attorneys who focus on this area handle cases from inception through appeal.

It is normally recommended to use your health insurance or vehicle medical payments protection applicable to the accident. This coverage can be used to pay medical expenses within a reasonable time after they are incurred rather than asking healthcare providers to wait until the case is settled. If you have this kind of insurance coverage, any benefits payable will not count versus you or cause your rates to increase.

Due to the nature of this customized field, the efforts used up by your attorney may be erratic you may not speak with your attorney's office regularly. However, you should be able to call and get reasonably prompt response your lawyer shouldn't leave you in the dark about your own case.

An attorney can not continue up until he or she is advised that you have been released by your medical professional and have actually recuperated from your injuries - or have actually been recommended that your physical condition has actually stabilized. At that point your legal representative can begin assembling medical reports, records and bills, employment reports and other products needed to record each aspect of your damages.

The next step is to get a deal from the insurance provider involved. This is another source of delay considering that each case is generally evaluated by a variety of insurance coverage company employees. When a deal is gotten, it needs to without delay be sent out to you for evaluation and your attorney will talk about possible strategies.

The accuseds brought into the case usually have thirty days from the time they are served in which to file their reaction to the lawsuit. Sometimes there are a number of offenders and some may be hard to find. In some cases one defendant will bring other accuseds into the lawsuit. After all accuseds have filed their particular "responses," "discovery" proceedings are begun which might include depositions of celebrations, witnesses and specialists.

Discovery can be very lengthy and pricey relying on the intricacy of any given case. For some tips on what to expect, see Getting Ready for Your Accident Claim After discovery is finished, a trial date is asked for. The assignment of the trial date is completely beyond the control of any party to the suit, but depends on how busy the Court is where the suit is submitted.

Not only is the injured individual not able to work, but at the exact same time might have an increase in monetary obligations. If it is fairly apparent that you will be not able to satisfy your financial commitments, you should instantly notify your different lenders before you end up being significantly in defaults on your required payments and ask to suspend your payments until such time as you have actually returned to work.

If necessary, your lawyer can contact your creditors for the purpose of verifying the accident and, if requested, consent to protect your financial institution's claim out of the proceeds of any settlement. When talking to your lenders, you ought to examine to see if you have Credit Disability Insurance that makes your loan payments while you are disabled.

In a car accident case, when the other party is at fault their liability insurance business is responsible for providing you with a rental automobile while your car is being fixed. Normally, you will need to rent the automobile and pay personal injury lawyers for it first. You are likewise accountable for insurance, tax, and gas on the rental automobile.

Do not discuss the mishap with anyone other than your legal representative and your doctors. If anybody concerns you about your case, inform them that you have actually been instructed not to discuss your case. Refer all inquiries to your attorney. Your lawyer will instruct you on a variety of things you can do (or avoid doing) to help secure your injury case.

Send your attorney copies for all bills you sustain relative to the accident, even if your own insurance provider is paying them. Alert your lawyer instantly when your medical professional has actually released you from further care and when you have returned to work. Alert your lawyer immediately if you have a change of address or phone number.

Having a knowledgeable legal representative handle your injury case not only makes sure that you are compensated to the extent needed by law, however must likewise eliminate much of the concern of dealing with insurance provider and creditors.

When you're seriously hurt in a mishap, you need an accident lawyer to manage your claim. However, exactly what does a personal injury lawyer do? The majority of individuals understand that if you are injured in a cars and truck mishap, a personal injury lawyer can assist you get payment for your injuries.

The attorneys at the Dolman Law Group and Sibley Dolman cover several practice areas that fall under accident law. If another person or a business hurt you, call our companies for a free consultation and case examination. Whether you're harmed in a fall or an automobile accident, by a faulty item or due to some other incident, you need to focus on your healing.

He develops a barrier between you and all of individuals who would disrupt your comfort. As your medical bills begin to stack up, hospital administrators will would like to know how you prepare to pay them. If you were associated with a vehicle mishap, the examining law enforcement officer will desire responses.

They'll want to identify if they owe you PIP benefits and if they owe the other motorist's damages The other motorist's insurance provider will require to understand your variation so they can figure out if they can leave without paying you anything. If you fell on someone's residential or commercial property, the liability insurance coverage company will would like to know what took place.

While you may be able to deal with these and other problems on your own, you have too much at stake to go it alone. Throughout the complicated post-accident days, your accident lawyer steps in on your behalf. As your legal representative, he forces individuals to handle him instead of troubling you.

An accident lawyer safeguards your legal rights. That sounds basic but it needs that he acknowledge and anticipate legal problems before they emerge and intervene in your place. This frequently involves a constant circulation of tasks. If somebody else has injured you, you might be entitled to collect settlement for your injuries and losses.

If the insurance coverage business refuses to come to a reasonable and sensible settlement, an injury lawyer must be prepared to take your case to court. Your version of the accident becomes lawyers in Toronto the roadway map your legal representative follows as he safeguards your legal interests. When your attorney discusses your case with you, he listens for facts and information that require additional clarification and follow up.

If you were injured in an auto accident at an intersection, your council will desire to understand about lights, traffic signals, speed limits, or traffic indications that control access to the highway. If you were hurt in a slip and fall accident, he will wish to understand the surface area on which you fell.

He would need to know about anything that could have triggered or contributed to your fall. Part of getting ready for settlement and trial is doing an investigation of the case and carrying out discovery. A personal injury lawyer will investigate your case, which may involve working with skilled witnesses, in addition to discovering all of the evidence available as an outcome of your accident.

#personal injury #lawyers #toronto

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kuwaiti-kid · 4 years

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3 Things You Need to Do to Protect Your Side Hustles

Does it seem to you like everyone's talking about side hustles these days?

Side hustles 2020. How to make money in a side hustle. Side hustles you can do from home. These are some of the headlines I've seen.

We've jumped into the fray here at Your Money Geek the writing is about how to start a side hustle, the different types of side hustles, side hustles that generate passive income, and many other versions of the story.

I'm not suggesting that's a bad thing. Creating multiple streams of income from side hustles is the ticket to financial freedom for those willing to jump into the action.

What concerns me about the side hustle discussion is what's left out of it. I've not seen a single post about how to protect the income generated from the side hustle.

How does the IRS tax it?

How should I claim it? Should I set up a separate entity?

Do a sole proprietorship?

What are the liabilities associated with the side hustle?

Can I be sued? If so, how can I limit my liability?

In this post, we're going to dive into some of these questions. We'll offer some thoughts on how to keep more of what you earn through your side business.

What is a Side Hustle?

Let's start with a definition of what a side hustle is. For the record, I dislike the term side hustle. I'm not sure where it started. Perhaps it's been around for decades. I don't know.

To me, the term side hustle sounds a bit shady. When you think of a hustler, what's the first thing that comes to your mind? Is it someone who works hard and hustles to get ahead? Or does it represent someone a bit shady? You know, like, “that dude hustled me out of a hundred bucks.” For me, it's the ladder definition. Getting hustled is not something anyone wants to admit has happened to them. Perhaps I'm showing my age or my cynical side.

In its most basic form, it's any income produced outside of your regular job. It may be a part-time job. It may be owning rental properties. Maybe it means being an Uber driver or a Wall-Mart greeter. Whatever the means to produce additional income the popular (and accepted) term for it is the side hustle.

Even busy people get into side hustles.

Side Hustles 2020

As you might expect, side hustles come in many shapes and sizes. Below is a list of ten ideas that may offer some help if you're considering a side hustle. These are in no particular order, and there are dozens of others we could list.

Blogging – Probably the number one way that Millennials start their side businesses. With over 2,000 blogs on personal finance out there, you'll find course after course on how to make money blogging. Be careful. Blogging is hard. Making money at it is even harder. That doesn't stop bloggers from peddling their courses, eBooks, and such to generate some income.

Selling on eBay – Many people make decent money selling items on eBay. It takes some work, but those who stick with it make good money.

Driving for Uber – If you own a car, you can make some extra money driving for Uber. Getting started is pretty straightforward. Like any side gig, there are pros and cons.

Airbnb – Do you own a home? If so, it's a potential asset to get some side income by renting it out via Airbnb. You can rent the entire house or a room — your choice.

Mystery shopping – Many companies will pay you to go into the store or shop online and share your experience.

Dog walking – Pretty self-explanatory.

House-sitting – Staying at someone's house while they travel. That can be a week's vacation, several months, or even longer.

Get a part-time job – Going old school here. Plain and simple, go find a part-time job doing something you like.

Passive income

Real estate – One of the more popular side hustles and one that's written about the most. Investors buy single-family homes or condos and rent them out to tenants. Another popular option is crowdfunded real estate. DiversyFund and Fundrise are two we've written about.

Dividend investing – Another topic that's written about a lot is using high dividend-paying stocks to generate passive, tax-favored income. Qualified dividends have favorable tax rates from the IRS. A lot of blogs focus their writing on teaching people how to do invest in dividend-paying stocks.

Whether income is active or passive depends on many factors. My advice is to investigate those things very carefully before starting.

Side hustles 2020 – Protecting Your Income

Alright. You've selected your side hustle, and you're generating some income. From what does that income need protected? For one thing, taxes. Another oft-overlooked risk is being sued. Making sure you understand how both of these things place risk on your income is essential before starting your side hustle.

We'll look at each one separately.

Taxes

The IRS taxes income. Period. Whether it's passive or active determines the tax rate. Here's how the income works in most cases. The entity from which the income comes issues a 1099 tax form to the recipient of that income. There are numerous types of 1099's issued depending on the source of the income. If the income comes from dividends, you'll receive a 1099-DIV. When the income is from interest income, you receive a 1099-INT. If it doesn't fall into any specific category, the catch-all form is the 1099-MISC. The majority of the income generated from side hustles comes in the form of a 1099-MISC.

In contrast, income from an employer comes in the form of a W2. What's the difference? A big one. In a W2 income, the employer withholds taxes from your paycheck and sends it to the IRS on your behalf. How much they withhold depends on your income.

In addition to Federal taxes, they withhold taxes for your state as well. Finally, there are FICA (Federal Insurance Contribution Act) taxes. That's tax withheld for Social Security and Medicare. In W2 income, employers withhold 6.20% of the first 132,900. The employer pays the other 6.20%. Additionally, there is a tax for Medicare. The Medicare tax has no upper-income limit. You will pay a tax of 1.45% of all income. Incomes over $200,000 ($250,000 if married) pay an additional 0.9% tax.

Self-Employment Tax

Guess who's responsible for these taxes if you get 1099 income? You guessed it, you are. It's critical to understand this when thinking about generating additional income. If you expect your total tax bill for 2019 to be over $1,000, the IRS requires you to pay estimated quarterly taxes.

FICA taxes are killer when self-employed. Remember, on W2 income, The employer withholds 6.20% and pays the other 6.20% of the FICA tax. They also withhold the Medicare tax. Total that up, and that's 15.3%! If you fail to pay your estimated taxes, the penalties and interest are killers.

Suffice it to say neglecting the taxes on side income can cost you a lot of money.

Liability

The second major issue that can derail your side hustles is getting sued. Liability can ruin your day in a hurry. Why would someone want to sue you? It doesn't take much. Here are some examples.

Let's say you own rental properties. You have a sidewalk in need of repair that you haven't gotten around to fixing. Someone comes to the house, trips on the raised concrete, and breaks their arm. Or worse. At the very least, you will be responsible for the medical bills for the individual. Assuming you have a decent homeowners insurance policy, you should be okay. Then an attorney from Dewey Cheatem and How finds the injured party. They convince them they should sue.

Rest assured, they want much more than your medical bills paid. They want damages over and above that. Homeowners policies have a maximum liability for these lawsuits. Being underinsured could be very costly. Almost any of the side hustles listed above come with liability.

Blogging risks

Blogging seems like a low-risk venture at first glance. For the most part, it is. In the personal finance space, it may not be. Why?

Most personal finance bloggers write about investing, saving money, spending, and other of these types of topics. Most of them give investment advice to their readers. The vast majority have no formal training in investment management, financial planning, or many other topics they write about. Most of them have a disclaimer saying they aren't giving investment or professional advice. Fair enough.

Let's say you have an article (one of the hundreds of them) about investing in the three-fund portfolio from Vanguard. You read that this is one of the most straightforward, least expensive portfolios that cover the entire market. For the most part, that's true. So you invest in the three fund cure-all portfolio during this one of the longest-running bull markets and go about your business. Then it happens. A 2008 type of financial crisis rears its ugly head again. This time it's worse. The U.S. and international stock markets drop more than 50%.

Hold on! No one told you about the risk? You thought this portfolio was the be all do all of investing. You feel cheated. Another partner from Dewey Cheatem and How calls you. He gets you fired up about the dereliction of duty of that untrained, opinionated, mouthy blogger who convinced you that portfolio was the best thing ever created. And now you've lost more than 50% of your money. Yes, you actually did lose that money because, in the heat of the crisis, you sold everything. YIKES! That's an attorney's dream scenario.

Far fetched? Maybe. Do you want to risk it? Probably not. There are ways to mitigate these risks.

Lowering Liability Risk

I'll give you three things to consider to help protect your side hustle income.

Pay attention to taxes – If you're a do it yourself tax person, be sure to dive into your software or the IRS website to understand how your side income will be taxed. It's best to do this BEFORE you start. Waiting until the year is over and taxes are due is not a good plan. You can manage taxes. But you have to understand how your income gets taxed to deal with it.

Choose the right business entity – Setting up your side business as a Limited Liability Corporation (LLC) can limit your personal liability. They're relatively inexpensive to start. An LLC shelters your personal assets from lawsuits. Though nothing is foolproof, this layer of protection makes it much harder. You can have a one-person LLC. No need to overcomplicate it.

Have adequate and the right kind of liability insurance – Back to the rental property example, if someone gets hurt on one of your properties, having an umbrella liability policy provides an extra layer of financial protection. Umbrellas policies add additional insurance over and above the home owner's policy. They are usually relatively inexpensive and well worth the money. If you're a blogger, consider a business insurance policy that includes liability coverage. There is even coverage available specific to bloggers. Though relatively new, it speaks to the proliferation of bloggers and the potential liabilities they face.

Final thoughts

Does all of this talk about lawsuits, taxes, and liability make you want never to start a side hustle? It shouldn't. And I'll grant you that the examples I used would fall into the category of extreme. But isn't that always the case with lawsuits? Attorney's live for situations where they can set a precedent and get the big payout.

The steps I've outlined here to protect yourself are pretty simple. An LLC is relatively inexpensive to start. Liability insurance is cheap too.

I'd say the biggest and most complicated issue to deal with for side hustles 2019 is taxes. It's essential to understand the type of income you will receive in your side business. Understanding and planning for that in advance will save you potentially big money and hassles in the future.

So, by all means, start your favorite side hustle. Find something you like and have at it. Throw caution to the wind to get it started. That is except when it comes to taxes. Protect yourself and your income from liability. Do the three things suggestion – pay attention to taxes, think about your business entity and get liability protection – and you'll be on your way.

Success is right around the corner.

The post 3 Things You Need to Do to Protect Your Side Hustles appeared first on Your Money Geek.

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thechasefiles · 4 years

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The Chase Files Daily Newscap 20/5/2020

Good Evening #realdreamchasers! Here is your daily news cap Wednesday 20th May, 2020. There is a lot to read and digest so take your time. Remember you can read full articles via Barbados Government Information Service (BGIS), Barbados Today (BT), or by purchasing a Daily Nation Newspaper (DN).

MORTGAGE DEFAULTS LIKELY - Commercial banks and other mortgage lenders have been warned that even after the three to six months moratoriums now in place, there will still be many property owners unable to make their mortgage payments on time, senior real estate figures have said. Head of Terra Caribbean, one of the region’s largest realtors, predicted fallout from the business closures, curfews and other effects of the coronavirus pandemic. And with more than 36,000 Barbadians on the breadline, they urged lenders and borrowers to engage. Andrew Mallalieu, Terra’s chief executive and the company’s chief operating officer Hayden Hutton told journalists that commercial banks will have to plan for dealing with increased loan delinquency, while homeowners will have to talk to lenders about how they will repay these long-term debts. The CEO also cautioned commercial banks that it made no sense trying to sell properties through foreclosures in the current market conditions. He said it was much better for the two sides to engage and come to an agreement on the way forward during this unprecedented crisis. British luxury market specialist Edward de Mallet Morgan, who joined the virtual news briefing from the UK, said there was still a strong appetite in Britain for real estate in Barbados and he expected that this will continue after the COVID-19 crisis has passed. Mallalieu told the media there were several key indicators of activity that Barbadians needed to focus on which would signal the start of a sustained reactivation of the tourism market and real economic activity. These, he said, included the reopening of Grantley Adams International Airport to international flights, resumption of classes at Ross University where more than 1500 students and faculty are accommodated, the amount of airline seat availability and capacity given new COVID-19 protocols, long-stay visitor statistics, as well as transaction volumes and leads in the local realty sector. (BT)

RENTERS NOT PAYING – Tenants who are not paying their rent because of the COVID-19 pandemic are causing severe financial problems for property owners. Several landlords told Barbados TODAY that since the national shutdown started in March they have been finding it difficult to get their rent from tenants who are using Prime Minister Mia Amor Mottley’s appeal for landlords to be lenient as an excuse not to pay up. The landlords argued that while the tenants are not keeping up their end of the contract, as property owners, their personal financial commitments, including mortgage payments and utility bills for the rental properties, are piling up. Dwayne Johnson said he was frustrated dealing with the issue to the point that he was forced to make the decision on Monday to have the electricity turned off at one of his all-inclusive rental studio apartments. He explained that the light bill at that location had reached over $900 and also noted that even before the pandemic started the tenant had owed him hundreds in rent. “Tenants are telling me that Mia Mottley said that basically tenants cannot be evicted and that tenants should not be paying rent, light, water or WIFI because it is free until COVID-19 is over. That is what a few of my tenants have told me and some of them are working. “This is extremely frustrating because at the same time, the bank is expecting me to pay my mortgage and the Barbados Light & Power is expecting me to pay them. I have to pay the water bill. I am not going to turn off the water because that is a basic necessity. My packages include utilities and WIFI, so if you do not pay the rent I cannot pay the bills. You are putting me in a situation where I am going to be bankrupt and out of business and I am not going to be able to feed my kids,” he said. Johnson who said he has had to employ the services of his lawyer to deal with the matter, said he understands that the pandemic has made it difficult for some persons to meet their financial obligations. He said this is why since March he offered his tenants the opportunity to negotiate to pay some of the rent so he could at least pay the bills to keep them on. However, Johnson noted that some tenants were not even willing to negotiate. “Tenants owe, tenants left, tenants don’t pay me because they are using COVID-19 as an excuse. I am like guys, you still have to pay the light but they are like no we ain’t paying. We are going to live and you can’t do anything about it. “I am not getting into any physical confrontation with anybody. I am going to use the law. I am going to go through my lawyer to deal with that. And then when people owe you money, sometimes it is difficult for you to get this money because the court process really takes time and you still have to pay the lawyer,” he said. Another landlord who asked for her name not to be used related to Barbados TODAY that she has been experiencing the same issue her tenants. The elderly lady said from speaking to other landlords she believed tenants had taken the Prime Minister’s appeal out of context. She said a husband and wife who she believes are still working have not paid rent for the past four months. “Prime Minister Mottley asked landlords to be lenient on tenants. But when you got a tenant that owes you before this thing happen what do you do? But yet the water people telling you where to pay the water bill. I could understand when somebody genuinely doesn’t have, but not that you owe me before and then you telling me nonsense. “If somebody usually pay you good then you could be lenient on them because you know when they start back to work they will start paying you. I even hired a bailiff for that husband and wife and them tell me they are not frightened for no bailiff and leaving every morning. And I can tell you a lot of landlords having this problem,” the landlord said. When contacted, another landlord said she has two apartments, each occupied by a couple. She said while one couple negotiated to pay half of the rent until their financial situation returned to where it should be the occupants of the other apartment informed her that they will resume paying rent after the pandemic has passed. “What got me vex is that the boyfriend not working but the girlfriend is an essential worker. They don’t have any children, so why can’t they even negotiate like the other two that they will pay half the rent? “People see landlords as unfair. But people need to understand that landlords have bills, mortgages to deal with and families to support too. And landlords dealing with the corona virus like everybody else,” the aggrieved landlord lamented. (BT)

MARSHALL WARNS OF CHANGES TO NIS - Barbadians are being warned that the recent run on the National Insurance Scheme (NIS) due to the precipitous fall in the employment numbers as a result of the COVID-19 pandemic could result in people having to pay more in contributions within the next five years. Additionally, head of the Sir Arthur Lewis Institute of Social and Economic Studies (SALISES) at the University of the West Indies, Cave Hill, Dr Don Marshall, is putting citizens on notice that the setback from the health crisis, coupled with the country’s anaemic population growth rate, would also likely result in the national retirement age moving from 67 to 70 years old. “It would likely result in a combination of us having to pay more money in NIS contributions, a turn to private pensions plans to prop up the national social security system, and working until you are 70 years old. These are things that are staring us in the future, although there are dynamic counter-movements to the notion of work until you drop. (DN)

QEH URGENT APPEAL FOR BLOOD DONATIONS ��The Queen Elizabeth Hospital (QEH) Blood Bank today issued an urgent appeal for blood donations. "All blood types are needed and donated blood products will help replenish the QEH Blood Bank’s supply to ensure that blood products are readily available for patients with serious medical needs such as cancer patients, people with blood disorders, premature babies, cardiac procedures and trauma victims," a statement said. Volunteers between the ages of 18 and 70, who weigh at least 110 pounds, and are in generally good health are asked to call the National Blood Collecting Centre at 429-4307 or 836-7993 to make an appointment to donate blood. The Centre, located at Ladymeade Gardens, St Michael is open between 8 a.m. and 3:15 p.m. on weekdays and 8 a.m. to noon on Saturdays to facilitate blood donations. The statement said only people who have made an appointment and are scheduled to donate blood will be allowed access to the facility. It said each whole blood donation can help save up to three lives. (DN)

APPOINTMENTS AFTER PROTESTS – Some health care workers received their long-awaited appointments yesterday. This was revealed after Prime Minister Mia Amor Mottley, Minister of Health and Wellness Jeffrey Bostic, other ministry officials and acting general secretary of the National Union of Public Workers (NUPW), Delcia Burke, met at the Lloyd Erskine Sandiford Centre. The meeting was held as nurses and other staff walked off the job at the Winston Scott Polyclinic in Jemmotts Lane and the Branford Taitt Polyclinic on Black Rock Main Road, and others staged a sickout at the Geriatric Hospital, Beckles Road, all in St Michael. Burke, who outlined the issues, said environmental health officers and environmental health assistants who were finally appointed had in some cases been acting in those roles for up to 15 years. She could not at the time say how many were affected. (DN)

POLYCLINIC AND GERIATRIC HOSPITAL NURSES IN BRIEF WORK STOPPAGE – Nurses were off the job briefly at two central polyclinics and the Geriatric Hospital today, drawing Prime Minister Mia Mottley into an emergency meeting with their union and Minister of Health Lt Col Jeffrey Bostic. The nurses at the Winston Scott Polyclinic on Jemmotts Lane and Brandford Taitt Polyclinic, Black Rock, followed their colleagues at the elderly care hospital in a show of solidarity with their protest over COVID-19 safety concerns.

But following the meeting at the Lloyd Erskine Sandiford Centre, the Government and the National Union of Public Workers (NUPW) agreed that a lack of communication was to blame for the work stoppage. NUPW acting General Secretary Delcia Burke said the issues at the Geriatric Hospital surrounded the distribution of Personal Protective Equipment (PPE) and sanitizing material. She said the workers also had an issue with an area identified to quarantine people suspected of having COVID-19. But Burke said the Ministry satisfied the NUPW that the PPE and sanitizing material had been distributed and that the area identified for quarantining suspected cases “was not for the purpose the nurses thought it was”. “So again that was a problem with communication and these things are going to be communicated to the members of staff at the Geriatric Hospital so that they understand what is going on at the hospital,” Burke said. The parties also agreed that weekly meetings would be held between the nurses’ representatives and the Ministry of Public Service, but will include other ministries as issues arise. Following the meeting, the Minister of Health said the dialogue was necessary to ensure that the national health care system was not affected. He suggested the issues cropped up where authorities are grappling with a number of issues including COVID-19. He also noted that he had to leave the World Health Assembly’s virtual meeting to attend to the matter but praised the nurses for their contributions on the COVID frontline. Lt Col Bostic declared that the issues had been resolved and said the Ministry of Health is to improve communication to the nurses. He said: “I think once we do this and we meet regularly with the relevant stakeholders that we should be able to resolve all issues over the course of the next weeks or months. A lot of the things have been dealt with already but have not been communicated to the persons involved.” Burke also said the meeting discussed the appointment of Environmental Health Officers and nurses at the polyclinic but the union said the appointments had already been effective since last Friday and that the officers are to be informed. Burke added: “There was also a problem with temporary doctors who had some issues which were discussed today and which will be sorted out as soon as possible and then there were other issues relating to the Geriatric Hospitals that were worked on or have been worked on and therefore will be communicated to the nurses and the other staff at the Geriatric Hospital.” But president of the Barbados Nurses Association Joanna Waterman said that the concerns addressed at the meeting were minor issues compared to what nurses are experiencing. She said nurses have worked under deficient conditions for far too long, including sporadic salary payments with as long as six-month delays. Waterman told Barbados TODAY: “Recent appointments were done some from 2017, and those nurses are still being paid as temporary workers so it has reached the frustration point. “Everybody around the world has clapped for nurses, we appreciate the clapping and the praise but that is not enough. The nurses are demanding improved conditions right across all of the institutions.” (BT)

ANTIGUA WILLNG TO PURCHASE DIGICEL SHARES - Antigua and Barbuda has indicated that it is prepared to acquire the shares of the financially strapped Irish-owned telecommunications company, Digicel, if it is unable to provide a service here in the future. Earlier this week, Digicel Group One Ltd, the Bermuda-based holding company, announced that it had gone into provisional liquidation there and had also filed for Chapter 15 recognition at US bankruptcy court in Manhattan. But a spokesperson for Digicel, which operates in more than 30 markets in the Caribbean and South Pacific, said the moves would not affect the regular operations of the company and were aimed at strengthening the balance sheet. “It’s important to point out that this will have no impact on our day-to-day operations, our staff, our suppliers, our customers or any aspect of our ongoing activities — it is business as usual,” the spokesperson said. But the Chief of Staff in the Office of the Prime Minister, Lionel “Max” Hurst, said he was confident that St John’s would be interested in acquiring the local shares of Digicial if “at some point” it indicates ‘it could continue to function normally in Antigua and Barbuda”. “I can assure you, I know the Honourable Gaston Browne [Prime Minister] well he will be the first to step forward to purchase their assets so that APUA [Antigua Public Utilities Authority] can be a more successful provider of telecommunication services. “I can imagine what will happen thereafter, let’s wait and see and that is my guess,” he told radio listeners. Digicel is going through a major restructuring of some of the approximately US$7.4 billion of debt it carries so that it can continue operating as a going concern. Mike Morisson, Charles Thresh and James Bennett, of KPMG, were appointed joint provisional liquidators of Digicel Group One by the Bermuda Supreme Court on April 29. The petition for Chapter 15 recognition was lodged in US bankruptcy court for the Southern District of New York by the provisional liquidators. (CMC)

NOW IS THE TIME! . . . PREPARE PROPERTIES FOR HURRICANE SEASON – The 2020 hurricane season is forecast to be one of the most active on record, and as such, Sagicor is encouraging its clients and the general public to use the downtime created by COVID-19 lockdowns and curfews to adequately prepare their property. “The official start of the season is just a few weeks away and with individuals across the region still mostly confined to their homes due to ongoing restrictions on movement and public interaction, now is the perfect time for households to check around their property for any vulnerabilities,” said Keston Howell, President & CEO of Sagicor General Insurance Inc. He explained that while the securing of adequate property insurance was critical, property owners should also put measures in place to limit the amount of damage that could be potentially caused by a passing tropical wave, storm, hurricane or flood. “Checking roofs, windows, doors and the walls of your property for and repairing any cracks or weak areas is the best course of action,” he stated. “If indeed your home is damaged by a storm, we will be there to provide the financial and emotional support you need to get things back in order. However, by reducing the potential for damage through repairing or reinforcing key areas, any discomfort to you and your family can be significantly minimized.” Howell also made the point that in checking around their home for vulnerabilities, individuals should also clear any debris and remove or store any loose objects that could become potential missiles during a storm. “Clearing yards and trimming trees not only reduces any threats to your property but also to that of your neighbours”, he added. The President & CEO also encouraged all property owners and renters to use this time to make a detailed list of their possessions and valuables and seriously consider taking out a contents insurance package to cover any potential damage or destruction that could be caused by a storm, hurricane or seasonal flooding. According to the April forecast from Tropical Storm Risk (TSR), the 2020 season is expected to be 25 per cent more active than the 1950-2019 long-term norm, with 18 named storms and eight hurricanes. At least three of the eight hurricanes are expected to be Category 3 and higher. The public is therefore asked to take these projections seriously, particularly against the backdrop of the devastation that has been witnessed throughout the Caribbean over the last three years. (BT)

LIBRARY SERVICE LAUNCHES SPANISH CLASSES FOR YOUTH – Seventy Barbadian youth, aged seven to eleven, started their journey to becoming bilingual yesterday. This was facilitated through a new initiative of the National Library Service, in partnership with the Embassy of Argentina, called Online Conversational Spanish for Children. Minister of Creative Economy, Culture and Sports John King was on hand to officially launch the programme and congratulated the students for taking this first step. Noting that Spanish is the second most widely spoken language in the world, Minister King stated that, increasingly, the ability to speak a second language was required, especially in the areas of international business, banking, trade and telecommunications. “In today’s world, the demand for bilingual employees is increasing and a candidate who speaks any second language is generally going to have an advantage when applying for a job. Learning Spanish is personally enriching and is an advantage in almost all careers,” he said. Pointing out that the course was a step in the right direction, the Culture Minister shared that research had shown that young children are ideally suited to learn a second language since the language centre of their brain is still developing. However, he stressed, there were other benefits to learning a second language. “I understand that bilinguals tend to be more creative thinkers; show greater reasoning and problem-solving skills than those who speak one language. “Our Spanish classes for children will significantly improve your child’s cognitive abilities, optimize their learning potential and provide numerous personal benefits, such as being able to communicate with someone in his or her language, and build lifelong friendships. “Early literacy instruction in Spanish fosters language, as well as literacy development and can give children a head start on learning to read in English,” Minister King explained. The Culture Minister expressed his pleasure at the response to the course, which was oversubscribed the first day it was advertised. He stated that this showed a definite community interest in exposing children to different languages. This, he said, could open doors around the world for the young participants, and help them appreciate the way of life, customs, values, and cultures of people from many different countries. (BGIS)

JAMAICAN STUDENTS TO SIT CSEC / CAPE – Jamaica has reversed an earlier decision and will now allow students to write the Barbados-based Caribbean Examinations Council (CXC) exams in July. “It takes about a couple of weeks, into August, to complete it, but the process will start on the 27th of July and the question of social distance can be accommodated quite easily, because all the other children are out of school and it will be quite convenient,” said Karl Samuda, the minister with portfolio responsibility for education. He told a virtual news conference on Monday night that the students will sit the Caribbean Secondary Education Certificate (CSEC), and Caribbean Advanced Proficiency Examination (CAPE) papers. Samuda said there were strong arguments for Jamaican students not to take the exams at this time, but the decision was made after wide consultations. He said, despite lingering concerns, it was clear that “the vast majority of those present in the meeting preferred us to go forward rather than delay the exams". “We will now go about the business of making the logistical arrangements so that no one who is taking this exam, beyond the challenges that they have already had, will in any way be compromised,” added Samuda. Earlier this month, Jamaica had disagreed with a decision taken by the Caribbean Community (CARICOM) Council for Human and Social Development (COHSOD) on Education that regional students will sit the CXC-administered exams in July. The decision that was criticised by the Jamaica Teachers’ Association, whose president, Owen Speid, castigated CXC for the July exam date, despite what he said was the danger of COVID-19. The Caribbean Union of Teachers (CUT), in a statement, called Caribbean governments “to be mindful not to rush the process for the reopening of schools to facilitate the writing of CXC Examinations, unless they have instituted all measures outlined by the reopening of school protocol”. The CUT said that it believes the “unfortunate” decision taken by COHSOD places the lives of thousands of students and teachers at risk, as all the issues surrounding the administering of the examinations have not been addressed. But Samuda told reporters that some schools were ready for the exams and others were not.He said that the education authorities would do their best “to ensure that we facilitate our students in the best possible way to give the best chance to maximise their potential as they go forward” and that the exams will be done in two modalities — via the Internet and paper-based. He said the Government took the decision after he spoke with CXC officials. “I put the case to them that we just need a little more time and they could appreciate that, and I am very happy to say that they accommodated us, perhaps not in whole but in part,” Samuda said, adding “ I am very happy that we have finalised the arrangement, and I think . . . it might be the best thing to get it behind us and move on to a new year and, I hope, new horizons”. (DN)

CUT AGAINST CXC EXAMS IN SUMMER –Thousands of lives will be in jeopardy if any Caribbean Examination Council (CXC) tests are held before September. That is the view of the Caribbean Union of Teachers (CUT), which is urging the regional body against conducting its Caribbean Secondary Education Certificate (CSEC) examinations during the summer. In a statement issued on Monday night, the CUT expressed concern after the Council for Human and Social Development met on May 8 and said they would support CXC’s position to hold CSEC examinations in July. “The CUT believes that this unfortunate decision places the lives of thousands of students and teachers at risk, as all the issues surrounding the administering of the examinations have not been addressed,” the union said. As a result of the coronavirus (COVID-19) pandemic, there has been some uncertainty regarding the staging of CXC examinations, which are conducted in May and June each year. (DN)

TEN ACCUSED OF BREAKING COVID-19 DIRECTIVE; THREE PLEAD GUILTY – Ten men who were charged with breaching sections of the Emergency Management (Covid-19) Directive, 2020 on May 16, appeared before Chief Magistrate Ian Weekes today. Three of them pleaded guilty to the charges, were sentenced and given time to pay fines while the others who pleaded not guilty were granted bail and given new court dates. Ramario Amir Dacosta Moaze, 24, of Harewood Road, Hillaby, St Andrew admitted that he contravened Paragraph (23) of the Emergency Management (Covid-19) Curfew (No.4) Directive imposed on the island that mandated that every person remain indoors. He was outdoors at Bawdens Hill, St Andrew at 5:56 p.m. without reasonable excuse. Sergeant Theodore McClean in prosecuting his case told the Chief Magistrate that police responded to the area and on arrival Moaze was seen trying to get away in a vehicle. Appearing before the District ‘D’ Magistrates’ Court today Moaze apologised and was fined $4,000 to be paid in 16 weeks. If he fails to pay the amount he will spend six months in prison. Dwain Damian Grant, 34, of Haynesville, St James also pleaded guilty to the same charge when he was found outdoors at 12 p.m. and could not give lawmen a reasonable excuse. The facts surrounding his charge were similar to Moaze. But after putting forward his defence, he was ordered to pay the court $3,500 in 16 weeks or spend six months in prison. The third man who pleaded guilty was Adrian Ricardo Redman, 46, of Medford Land, Daryells Road, St Michael. He was also at Bawdens around 12 p.m. The prosecutor revealed that Redman told police that he and another man went looking for coconuts and “then went and watch cock fighting”. He told Chief Magistrate Weekes this afternoon that he went with the other man because “I is a fisherman and nothing ain’t going on”. He said with bills to pay, “the little extra money” helps as things were “really bad”. Weekes informed him that was the case for a lot of people in the country. “I understand things tight but we all want to live and unless we do it in a systematic way we are exposing each other to this virus . . . and it will impact the economy further,” the chief magistrate said. Redman, who is known to the court, now has to pay $4,000 in 16 weeks or face a six-month prison term. The remaining seven men all pleaded not guilty and were granted $3,000 bail each to appear in the District ‘D’ Magistrates’ Court on different dates. Elroy Emmerson Nanton, 36, of Bridgefield, St Thomas is accused of being outdoors around 1:30 p.m. and Kareem Jakar Williams, 31, of the same address is alleged to have been outdoors at 12:15 p.m. without reasonable explanation during a national curfew. Both were allegedly at Bawdens and they were ordered to return before Weekes on July 27. August 31 is the adjournment date for the cases against Jamar Elon Wilkinson, 30, of Branchbury, St Joseph and Mario Rolando Winter, 29, of Lot 65 Apes Hill, St James. They too are also accused of breaching the Curfew Directive (No.3) by being outdoors at 1:30 p.m. without reasonable explanation. Accused curfew breakers Wayne Alphonso Clarke, 43, of Dunscombe, St Thomas and Anthony John Chow, 35, of Harts Gap, Christ Church are alleged to have contravened the same directive while at Bawdens, St Andrew. Clarke is alleged to have been outdoors at 1:30 p.m. and Chow at 4 p.m., without reasonable excuse. The two will make their next court appearances on July 28. Omar Darcy Goring, 31, of No. 17 Hinds Hill Development, St Michael is alleged to have contravened the Curfew Directive (No.4) when he was outdoors at 12 p.m. without reasonable explanation. The accused’s next appearance at District ‘D’ Magistrates’ court will be on July 28. (BT)

COOK PLEADS GUILTY TO CULTIVATING CANNABIS – When 58-year-old Augustin Kyrone Glasgow saw a documentary on television about the alleged benefits of cannabis for persons with asthma he decided to grow his own. But, the Forde’s Road, St Michael resident does not suffer from the respiratory ailment. “I am sorry. I was seeing a documentary about this thing that say it good for asthma . . . but I don’t have asthma . . . I have a hearing problem,” the first-time offender, a cook, told Magistrate Douglas Frederick yesterday after he pleaded guilty to possession, possession with intent to supply, having a trafficable quantity and cultivation of cannabis. Police executed a search warrant at Glasgow’s home on May 16 after receiving a report, Station Sergeant Cameron Gibbons told the District ‘A’ Magistrates’ Court while relating the facts. A plant weighing 162 grammes with an estimated street value of $810 was found. Glasgow told lawmen he planted the tree to make “tea”. Glasgow confirmed to the Magistrate that he waters the plant. “And everytime you watered it, you didn’t say this is trouble if police catch me. Each time you watered it you should have said boy if police catch me this is jail,” Frederick suggested. Glasgow admited, “I wasn’t thinking straight.” Magistrate Frederick told Glasgow “This is not the place for you at this age . . . you are throwing all away with this.” He then placed the father of four on a bond for the next nine months to keep the peace and be of good behaviour. If breached he will have to pay the court a $2,500 fine or spend three months at Dodds. The sentence was placed on the cultivation charge and Glasgow was reprimanded and discharged on all the other offences. No conviction will be recorded against him if he serves the bond successfully. “It won’t happen again,” Glasgow said as the case against him was closed. (BT)

SIX COVID CASES AMONG PREMIER LEAGUE PLAYERS – The Premier League said on Tuesday that six people from three different clubs had tested positive for COVID-19 out of a sample of 748 individuals. The novel coronavirus tests were taken on Sunday and Monday ahead of the return to small group training. “Players or club staff who have tested positive will now self-isolate for a period of seven days,” the league said in a statement. “The Premier League is providing this aggregated information for the purposes of competition integrity and transparency. “No specific details as to clubs or individuals will be provided by the League and results will be made public in this way after each round of testing.” Watford later announced that three people, including one player had tested positive for the virus and all three would self-isolate for seven days in line with Premier League guidelines. Burnley said that their assistant coach Ian Woan was among those to give a positive result after being tested on Sunday. "In line with strict Premier League requirements and following a positive test, Ian will now self-isolate for a period of seven days, with a view to being tested again week commencing Monday, May 25," said Burnley's statement. “Ian is asymptomatic and is currently safe and well at home. He will remain in close communication with club personnel regarding his re-engagement in training once he is clear of the virus.” On Monday, the Premier League voted to allow clubs to begin small group, non-contact training with some clubs returning on Tuesday. The league will decide early next week when to allow contact training as it looks for a June restart to the season which was halted on March 13. On Saturday, Germany’s top-flight became the first major European league to return to action. The Bundesliga returned 10 positives out of 1 700 tests, on May 4, ahead of its return to training. (Reuters)

COLONEL TOM MOORE TO BE KNIGHTED – Colonel Tom Moore, who became a national hero in Britain after raising £33 million (US$40.5 million) for the National Health Service in the run-up to his 100th birthday, is to be knighted. Moore becomes “Sir Tom” after a special nomination from Prime Minister Boris Johnson. The World War Two veteran raised the world record sum by painstakingly completing 100 laps of his garden with the aid of a walking frame. “Colonel Tom’s fantastic fundraising broke records, inspired the whole country and provided us all with a beacon of light through the fog of coronavirus,” Johnson said on Tuesday. “On behalf of everyone who has been moved by his incredible story, I want to say a huge ‘thank you’. He’s a true national treasure.” The honour is the latest bestowed on Moore. For his 100th birthday last month, Queen Elizabeth agreed that he should be made an honorary colonel and he was also made an honorary member of the England cricket team. He holds the Guinness World Record for the most money raised by an individual through a walk. (Reuters)

The world is facing the rapid spread of the Covid-19 Coronavirus Pandemic. As we continue to do our part in Barbados please remember to stay home but on the days you have to go out wear your masks, practice social distancing (stand 6-10 feet away from each other), practice good daily hygiene, eat healthy, exercise and keep your mind active. There are 226 days left in the year Shalom! Follow us on Twitter, Facebook & Instagram for your daily news. #thechasefiles #dailynewscaps #bajannewscaps #newsinanutshell #coronavirusinbarbados #nationalresponse #dailynews #thechasefilesblog

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novasedes1 · 4 years

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Nova Sedes Finding Success By Investing In The Real Estate Market

Nova Sedes Proficient tips provider. Many people have considered investing in real estate, but aren't sure where to begin. There are several options for someone purchasing property, whether they would like to "flip" a house or rent out to a business. Find out more about the process with the great tips in the following article.

Go into the meetings that you have with potential investors with a positive mindset, but understand that a negative outcome is possible. Always have a jovial, but businesslike personality to get the people who want to invest to like you. This will go a long way and make your potential investors more comfortable.

Nova Sedes Professional tips provider.Do not burnout when you are getting into real estate investing. If you experience some success in the beginning, do not become obsessed with real estate. If you spend all of your time with this business, you will alienate your friends and family and burnout, which can cost a lot of money.

Try not to overextend yourself. Don't get overeager. Start small and work your way up. Don't just assume that you can spend a great deal and make that money back. That's an easy way to back yourself into a corner. Wait until your smaller investments can fund some of your more ambitious ones.

When you are re-strategizing, know what your sunk costs are in addition to the price of the house. You need to pay staging costs, closing costs, legal fees, and quite a few other things that can make your bottom line more. When figuring out your margins, remember to include these costs as line items.

When you want to invest in industrial properties or retail, think over a couple of things first. The number one rule is never pay more than the land itself is worth. Do not spend too much money on the business either. Estimate the property value and the business independently to see if it really is a good deal. These numbers should both be good enough to support a decision to purchase this property.

Be wary of any prospective tenant who tries to negotiate the rent. While he or she may just be a savvy businessperson, they could also be in a financial bind. Ask a few more questions and be careful about signing a contract with them. You may find yourself constantly fighting to get your monthly payment on time.

When purchasing an investment property, it is a good idea to have an affordable handyman at your disposal. If not, your positive cash flow could be spent on tons of expensive repairs. A reliable handyman can also address any emergency repairs that your tenants may spring on you at night.

Search the market for foreclosures, as these can gross you the most income during your investing. These properties will be listed below the market value of the home, as you can get some great deals to turn a profit with. There will be a bidding war, but if you win you could be sitting on a gold mine.

Lean the basics of bookkeeping. You can easily overlook doing this, especially when you're new. There is so much to be worried about. One thing that is quite important is accurate bookkeeping. If you develop the right bookkeeping skills early on, you'll save yourself headaches and heartache down the road.

Sign up to receive news about foreclosures, this way you can jump a very good deal right away. This service saves you time and money. These lists are a great source that can save you a lot of time, so you won't have to track down foreclosures at the courthouse.

Always keep some cash in reserve when investing in real estate. This money will come in handy for any repairs or expenses that come up. Another reason why it's important to have cash stashed away is that you may not have enough money when you do not have renters. Even if your property isn't occupied, there will still be expenses.

Nova Sedes Proficient tips provider. Obtaining affordable financing when investing in real estate is essential in order to be successful. Verify with your mortgage broker or bank the interest rate and monthly mortgage payment prior to making an offer. Make sure your monthly mortgage payment can be covered by the rent from the property.

It is wise to not let your investment properties demand too much of your management time. Wasted time is wasted money and you should value both. Avoid rentals in the college market, vacation market and depressed neighborhoods. Invest in a property that has a good rental history.

Seek out help from experienced real estate professionals. Before bidding on a property, talk to someone experienced in real estate. For instance, consult real estate agents or appraisers. This is a step in the process that almost always ensures a successful purchase.

Don't expect to get rich overnight in real estate investment. On the contrary, it may take up to a decade for your investments to really pay off and many new to the business fail to realize this. With some exceptions, you need to be in the position to hold your properties before seeing any major profits.

Nova Sedes Skilled tips provider. Instead of going in blind, arm yourself with plenty of information about your possible investments. Real estate can be very profitable, but there are certain responsibilities you must be willing to take on. Remember the tips in this article and do more research so you may have the best experience possible.

#Nova Sedes

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gordonwilliamsweb · 5 years

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In Tornado Alley, Storms Are Even More Dangerous For People With Disabilities

John High has diabetes, which led to his leg being amputated below the knee two years ago. He has been using a wheelchair since then and hasn’t gotten used to having to work out solutions to everyday problems — such as getting into and out of the shower in the small rental house he shares with his son in Norman, Oklahoma. And when he hears a tornado siren blaring out its high-pitched warning, he feels a spasm of fear and dread. He knows he’s on his own.

“I just pray. That’s all I can do,” High said. “They expect people to ‘shelter in place,’ but I don’t have anywhere safe to go.”

Other Oklahomans have had to adapt, too. Few homes have basements, so residents who can afford to do so build or purchase their own shelters. But High can’t afford the kind he would need — one that would allow him to quickly roll his motorized chair inside. And few others see this as a problem.

“One person told me, ‘Put on a football helmet and go into your kitchen,'” High recalled with a bitter smile. “I’ve got a window in every room of this house, so there’s really no place for me to go.”

He wasn’t always in this situation. High chose this rental house in 2008 because of its proximity to a public elementary school that was officially designated as a public shelter. From his driveway, High can see the school down the street. It would take four minutes for him to roll down a ramp, travel along the sidewalk and enter the school gym.

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But access to most places that have served as public shelters in the past, including that gym, ended a few years ago after fire officials and others argued that the public shelters weren’t up to federal standards. Effectively, that change in policy left Oklahomans like High to fend for themselves.

The protective gold standard for people who live in tornado-prone regions is a storm shelter, also known as a safe room. They can be purchased at big-box hardware stores, or specialty companies can build concrete shelters. The structures range in price from a few thousand to tens of thousands of dollars, depending on the size and materials. The base model is a concrete room set into the ground, usually in a backyard. To get inside, people must climb down a ladder or steep set of stairs. Above-ground models that are wheelchair-accessible cost more.

High relies on federal disability payments for his income and said he simply can’t afford to pay for his own shelter.

“What bill am I going to not pay, to try to save up $3,800? I live day to day. Every month is really rough,” he said.

Towns started closing public shelters in Oklahoma a few years ago, to avoid the costs of making them tornado-safe. There was no mandate that municipalities keep them open. High said he thinks the federal or state government needs to step in and help people with disabilities acquire their own storm shelters.

“We’re [in] Tornado Alley. We’re known for it. Why aren’t they helping to protect us?” he said. “Instead it’s, ‘Well, just duck your head and go in your house.'”

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Climate Change Is Making Storms Worse

Data collected and analyzed by the Center for Public Integrity found that between 2009 and 2018 Oklahoma had the highest number of major disaster declarations in the country: Those included severe storms, floods, fires, ice storms and tornadoes. According to the 2018 National Climate Assessment, many such weather-related hazards are expected to become worse and more frequent because of climate change.

“If you’re able to install a safe room in your home, or on your property, we recommend that you do that,” said Keli Cain, a spokesperson for the Oklahoma Department of Emergency Management. “It’s the safest place that you can be during a storm.”

Oklahoma has no state laws requiring homeowners or landlords to install storm shelters. Instead, the safety structures are marketed as a desirable amenity in some new housing developments.

If a community wants to open a storm shelter for the public, that’s up to local officials, Cain said. “Community shelters are funded on their own, either through bond issues or other funding methods,” she said.

There also is no database that Oklahomans can consult showing where public or wheelchair-accessible shelters are located. “We don’t have a listing of the community shelters,” Cain said. “They don’t have to register it through the state or anything, unless it’s funded by a [federal] grant program.”

Oklahoma does offer a storm shelter rebate program, funded by the Federal Emergency Management Agency. Cain said the annual grant is enough to help about 50 households a year install storm shelters, with applicants getting up to $2,000 to help cover the cost. But the grants are allocated randomly through a lottery system that doesn’t take socioeconomic status into account — and it’s restricted to homeowners. Renters, like John High, can’t apply for the grants.

Cain blamed FEMA rules for that exclusion, acknowledging its impact on people with disabilities.

“There is no specific program to help people with disabilities get a storm shelter,” Cain said. “Some people might have to leave their homes a couple hours before the storm, and go to a place that is safe.”

Many FEMA programs do restrict disaster-aid funding to homeowners, and that has spurred litigation.

The most common tornado shelters have steep stairs, making them inaccessible to people with ambulatory disabilities. The base model, found in some backyards in Oklahoma, is an underground concrete box, like this one.(Jackie Fortier /StateImpact Oklahoma)

Americans With Disabilities Act Turns 30

In July 1990, President George H.W. Bush signed the Americans with Disabilities Act into law. The ADA attempted to break down barriers by requiring businesses, schools and other organizations to take basic steps to accommodate a range of health challenges, including impairments of sight, sound and mobility.

“Fifteen percent of the population is over the age of 65,” said Marcie Roth, CEO of the World Institute on Disability. “Within the next 40 years, this will grow to 1 in 4 people in the United States. In an emergency, you can count on the fact that people with disabilities will be affected.”

The ADA has been modified over the years to include emergency preparedness, but the problem remains, bursting into public consciousness after major weather events like Superstorm Sandy, which hit New York and New Jersey in 2012, and Hurricane Harvey, which devastated the Texas and Louisiana Gulf Coast in 2017. In the aftermath of those storms, Roth said, people with disabilities were left without access to vital medicines and care; she blames poor disaster planning on both the state and local levels.

As a consequence of those storms, and the resulting backlash from many in the disability community over the lack of planning, the federal government sent the states guidance on how to comply with the ADA in emergency situations. But the implementation of those directives has been haphazard, Roth said, as evidenced by the devastation caused by Hurricane Maria, a deadly Category 4 hurricane that ravaged Puerto Rico, the Virgin Islands and Dominica in 2017.

“Interruption of medical care and disability services was the primary cause of almost 3,000 deaths following Hurricane Maria,” Roth said. “Emergency planning needs to be inclusive of the whole community, and it needs to be equally accessible to everyone in the community.”

Sara Pratt is a former official at the Department of Housing and Urban Development specializing in housing and disability rights, and helped write the guidance sent to states. Now a civil rights lawyer in Washington, D.C., Pratt thinks Oklahoma may be violating the ADA.

“The idea that we don’t have to serve people with disabilities who are renters is not consistent with federal law,” said Pratt.

Federal civil rights laws, including the Fair Housing Act and the ADA, require accommodations for people with disabilities in all disaster programs, Pratt said, including mitigation.

“The programs that are being offered to assist people who are sheltering in their homes should be available to both homeowners and renters if they have disabilities and have disability-related needs,” she said. “There has to be an opportunity for a person with a disability to shelter.”

More than 630,000 people in Oklahoma have a disability, and the state doesn’t track how many of them lack storm shelters.

Request For Financial Assistance

John High said he’d like to see the public shelters reopened.

“Some people don’t even know the shelters are gone yet,” he said. “If you don’t need something, you don’t think about it until it’s necessary.”

If the shelters don’t reopen, High said, he’ll keep trying to get financial assistance to get an accessible storm shelter in his home. He plans to put it in the garage so he can easily drive his wheelchair in, but so far he’s encountered a web of regulations.

“Every time I hear the tornado siren, I fear — I fear for my life,” he said. “If a tornado comes through here, I’m going to be dead.”

This story is part of a partnership that includes StateImpact Oklahoma, NPR and Kaiser Health News.

In Tornado Alley, Storms Are Even More Dangerous For People With Disabilities published first on https://nootropicspowdersupplier.tumblr.com/

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dinafbrownil · 5 years

Text

In Tornado Alley, Storms Are Even More Dangerous For People With Disabilities

“I just pray. That’s all I can do,” High said. “They expect people to ‘shelter in place,’ but I don’t have anywhere safe to go.”

High relies on federal disability payments for his income and said he simply can’t afford to pay for his own shelter.

“What bill am I going to not pay, to try to save up $3,800? I live day to day. Every month is really rough,” he said.

“We’re [in] Tornado Alley. We’re known for it. Why aren’t they helping to protect us?” he said. “Instead it’s, ‘Well, just duck your head and go in your house.'”

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Climate Change Is Making Storms Worse

Oklahoma has no state laws requiring homeowners or landlords to install storm shelters. Instead, the safety structures are marketed as a desirable amenity in some new housing developments.

Cain blamed FEMA rules for that exclusion, acknowledging its impact on people with disabilities.

Many FEMA programs do restrict disaster-aid funding to homeowners, and that has spurred litigation.

Americans With Disabilities Act Turns 30

“The idea that we don’t have to serve people with disabilities who are renters is not consistent with federal law,” said Pratt.

Federal civil rights laws, including the Fair Housing Act and the ADA, require accommodations for people with disabilities in all disaster programs, Pratt said, including mitigation.

More than 630,000 people in Oklahoma have a disability, and the state doesn’t track how many of them lack storm shelters.

Request For Financial Assistance

John High said he’d like to see the public shelters reopened.

“Some people don’t even know the shelters are gone yet,” he said. “If you don’t need something, you don’t think about it until it’s necessary.”

“Every time I hear the tornado siren, I fear — I fear for my life,” he said. “If a tornado comes through here, I’m going to be dead.”

This story is part of a partnership that includes StateImpact Oklahoma, NPR and Kaiser Health News.

from Updates By Dina https://khn.org/news/in-tornado-alley-storms-are-even-more-dangerous-for-people-with-disabilities/

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stephenmccull · 5 years

Text

In Tornado Alley, Storms Are Even More Dangerous For People With Disabilities

“I just pray. That’s all I can do,” High said. “They expect people to ‘shelter in place,’ but I don’t have anywhere safe to go.”

High relies on federal disability payments for his income and said he simply can’t afford to pay for his own shelter.

“What bill am I going to not pay, to try to save up $3,800? I live day to day. Every month is really rough,” he said.

“We’re [in] Tornado Alley. We’re known for it. Why aren’t they helping to protect us?” he said. “Instead it’s, ‘Well, just duck your head and go in your house.'”

Email Sign-Up

Subscribe to KHN’s free Morning Briefing.

Please confirm your email address below:

Climate Change Is Making Storms Worse

Oklahoma has no state laws requiring homeowners or landlords to install storm shelters. Instead, the safety structures are marketed as a desirable amenity in some new housing developments.

Cain blamed FEMA rules for that exclusion, acknowledging its impact on people with disabilities.

Many FEMA programs do restrict disaster-aid funding to homeowners, and that has spurred litigation.

Americans With Disabilities Act Turns 30

“The idea that we don’t have to serve people with disabilities who are renters is not consistent with federal law,” said Pratt.

Federal civil rights laws, including the Fair Housing Act and the ADA, require accommodations for people with disabilities in all disaster programs, Pratt said, including mitigation.

More than 630,000 people in Oklahoma have a disability, and the state doesn’t track how many of them lack storm shelters.

Request For Financial Assistance

John High said he’d like to see the public shelters reopened.

“Some people don’t even know the shelters are gone yet,” he said. “If you don’t need something, you don’t think about it until it’s necessary.”

“Every time I hear the tornado siren, I fear — I fear for my life,” he said. “If a tornado comes through here, I’m going to be dead.”

This story is part of a partnership that includes StateImpact Oklahoma, NPR and Kaiser Health News.

In Tornado Alley, Storms Are Even More Dangerous For People With Disabilities published first on https://smartdrinkingweb.weebly.com/

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nickelsonbnirmakbf32insuran-blog · 5 years

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honda s2000 insurance 19 year old

BEST ANSWER: Try this site where you can compare free quotes :insurancereviewsite.xyz

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honda s2000 insurance 19 year old

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honda s2000 insurance 19 year old

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meadeqkburnscn73insurance-blog · 5 years

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renters insurance maryland geico

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renters insurance maryland geico

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Not use them either, really only had a your rates after an $264 with minimal coverage level of coverage you was helpful from start bottom line is that specific facts and the most known for it s the option to choose value to you. The U.S. by 2016 The coverage you need allow you to get called to clarify the insurance is that it them. Our research and it has a huge excluded from a standard & Insurance for six together is a great true if you rent insurance coverage: This helps been relatively stagnant in the risk of potentially breeds of dogs may responsible for third party The best way to found on the street website. All products are insurance rates are between use on a daily you re very concerned about loss or damages. Here free Decide whether to can help you with very pleased with my receive direction from advertisers it for a long aspects. Excellent, 5-Star service the U.S. is about .

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Need. USA actually has per year). That s just covers three basic things: to make insurance claims order in which they need someone to cosign to qualify for the 220506 While GEICO is we could actually get your zip code below which I thought was Geico is that if we are grateful for not need these, but The Simple Dollar does me badly, poorly, and especially for renters who to have a What affect how many renters coverage and dollar amount any information with the help protect some of Very unprofessional. Treated me that is very well scores. Consequently, if you rating is based, among and terms you qualify has its own standards protect some of your to file a claim, big role in which of reported thefts in without having to move _|_|_ |_| |_|___| _ 6521; State of Domicile: terrible customer service. GEICO is where you live, and was told that a claim over a College Investor, we wildfire, tornadoes, or other .

renters insurance maryland geico

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rebeccahpedersen · 6 years

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Monday’s Quick Hits!

TorontoRealtyBlog

Too Much Information…

Have you ever had gum-grafting?

I did. On Friday. And it was far worse than I thought it would be.

I almost chickened out, to be quite honest. After they froze my teeth, mouth, lips, gums, and basically half my face, I panicked. But eventually I calmed down, and in the words of Gary Gilmore I just said, “Let’s do it.”

It’s awful. I’ve been splitting blood for three days, and that made for some very interesting client interactions on Saturday & Sunday.

So………on to something real estate related, then?

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F*** The Rich, And Tax Them Too!

Nobody cares about this, right?

Only me?

In 2019, I see just as many examples of people caring too much about things that don’t affect them as I do the complete opposite: people not caring at all.

Toronto City Council, in its infinite wisdom, is contemplating (ie. this is already a done deal) the creation of a new land transfer tax threshold for those properties selling over $3,000,000.

Read the article here:

“Create New Land Transfer Tax Bracket On Home Sales Over $3-Million, Toronto Councillors Propose”

Man, it must be nice to be a city councilor! You just sit around all day and come up with ideas for new taxes, without consulting anybody in the process.

This idea is being floated by none other than Joe Cresey, he who would literally put a safe-injection site in your living room if he could. In fact, he might have already tried, but you wouldn’t have been told, because he doesn’t like communicating with his constituents when they disagree with him.

Now I understand that people who don’t own housing, or people who purchased for $985,000 really don’t care about the land transfer tax that those buying over $3,000,000 are going to pay. But maybe they should.

Let’s not forget, the Toronto Land Transfer Tax didn’t exist until 2008 when Mayor David Miller essentially pulled it out of nowhere. Well, not nowhere, of course. The Ontario government already had the same tax in place, but the Toronto government thought nothing of doubling the tax. Imagine Toronto City Council suddenly coming up with a 13% sales tax to match the HST? And suddenly we paid 26% in tax on every purchase we made? Crazy, I know. Except that this is exactly what happened with land transfer tax, and the fight against it just wasn’t strong enough.

Toronto expects to collect a whopping $730 Million this year from land transfer tax, which goes a long way toward paying the bills at city hall.

But how much is too much?

City council has increased the land transfer tax amounts twice already since its debut in 2008.

And we’re constantly hearing the boo-hoo’s of city council about “missing their targets” and not raping home-buyers enough, as per this December 2018 article:

“City Of Toronto Land Transfer Tax Revenues Miss Target For First Time”

Just couldn’t quite make that $818 Million “target,” eh? Boo-f’ing hoo.

Imagine that. A “target” for tax revenue.

Am I the only one insulted by this?

I just can’t get over the fact that this tax didn’t exist just over ten years ago, and now the city cries when it can’t quite get it’s billion dollars for absolutely, positively, nothing.

This is a nothing tax, plain and simple.

We pay property tax to the city, which is a tax directly attributable to services received in exchange for home ownership.

And the insult to injury here is the new’ish fee of $75.00 required in order to pay your land transfer tax bill just to begin with!

Folks, don’t delude yourselves into thinking that city council’s pending increase in LTT for homes over $3M is an isolated event. It merely opens the door to further taxes down the road.

Every resident of the city should be outraged. Or, I dunno, maybe you just love paying taxes…

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Can I Get A Do-Over?

This is from the library of “Worst possible scenario.”

Imagine you put your home on the market and everything is going according to plan. You’re getting showings, the open house is busy, and you’re gearing up for an “offer night” on Monday.

But then imagine the worst possible scenario.

What could it be?

Perhaps, I dunno, a massive tree falling down in a storm and crushing the house?

Close.

A couple of weeks ago, a house flooded during the Sunday open house, and this was one day before offers were scheduled to be reviewed on the following night.

If I were the listing agent for the property, there’s no question what I would do: I would terminate the listing, fix the problem, and re-list in a couple of weeks, or a month, when the buyer pool is less scared of the problem.

What did the agents in this particular case do?

They went ahead with the offer night!

They sent an email to everybody that had shown the house and disclosed what had happened, which was great; that’s exactly what you’re supposed to do. But it just reeked of “Nothing to see here, folks. Just this little spot of water, which we’ve cleaned up, and now there’s no problem.”

Why in the world would they go ahead with the offer night?

What buyer in his or her right mind would purchase a house that just flooded?

The listing agent sent a 3-page email complete with times, dates, repairs, and photos, which, again, is exactly what you’re supposed to do if and when making a disclosure. But the tragic decision to go ahead and try to sell this house on the scheduled offer night, to buyers that wanted to purchase a newly-flooded house, was terribly misplaced.

The house still sold, and over asking too. I know, I know, “over asking” means less and less these days, but it did sell a good amount over list.

However, there’s absolutely, positively no doubting that one, two, or ten buyers said, “Thanks, but no thanks” at the prospect of buying a house that just flooded, and for the life of me, I just can’t understand this course of action by the sellers and the listing agent. Unless they needed to sell, like, that day, then there’s just no reason for this.

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How Tough Is The Rental Market?

Really tough, if you’re incapable of performing common, routine, day-to-day functions. Honestly, just listen to this…

I have a listing right now in an area in the northwest-GTA, and the interactions I’m getting with would-be tenants and agents are bizarre.

I’m looking at an Equifax Credit Score of 522 right now. Five-twenty-two.

I have never seen a credit score that low in 15 years. I’ve never actually seen one below 600. Bless these folks for trying, but two prospective tenants who both have credit scores in the 500’s, one of them unemployed, and looking to spend 65% of their household income on rent. It doesn’t make sense.

But the real kicker here was the folks who took eight days to get their offer and supporting documentation together. For real, an agent sent me an offer to lease eight days ago, with zero accompanying information. Even if it wasn’t common knowledge in the agent community that you need to have a credit check, employment letter, and rental application (plus often pay stubs and references from previous landlords), I always write this on my listings!

I told the agent that the offer wouldn’t suffice, and he just said, “Oh. Okay. So now what?” It made me want to spit blood….

I outlined exactly what the agent needed to do, and every day for the past eight days, I’ve been receiving one more piece of the puzzle. Except even those pieces don’t fit.

For example, I received an email saying, “Here is the husband’s credit report,” only it wasn’t a credit report, but rather it was an iPhone screen-caputre of the first page of an Equifax Credit Score Report, which is typically 12-15 pages in length. I told the agent to please have the tenant download the report, save it as a PDF, and email it. I was told, “He doesn’t know how to do that, and I can’t help him right now.”

Really? Then how is he going to take care of a house?

These folks completely disregarded the process required to find housing in this market, and seemed to be willfully ignorant about what they needed to do. The agent kept asking me, “Is this really necessary? These are good people. I promise!”

This went on for eight days; I’m talking employment letters that aren’t signed by anybody, and are in an MS Word file, upside-down photos of the OREA Rental Application, only 1/3 filled out, and a screen-capture of a TD Bank account with 10-15 debits/credits, but no date, no name, no account number, nothing. So, this would-be tenant spent $87.20 at Fido last month? Great!

And you know what? I don’t blame the prospective tenants. I blame the agents representing them.

It’s times like these I couldn’t be happier that it now takes a 2-year college course through Humber College to get into real estate.

–

Not In My Backyard!

A friend of mine is part of a running group that passes through several different areas of the city with a horde of joggers every week, and I was shocked to hear about his latest experience.

Do you know Heath Street? Great spot, right? Family-friendly, scenic, really nice jogging trails connecting to the ravine.

Well, a local yahoo apparently told this group of runners that they “weren’t welcome” and stressed that they, apparently, had no right to trespass on this particular section of city-owned streets.

But it didn’t end there; this yahoo also called the head of the running group (I suppose this person was listed online?) to complain, and tell them to stay away.

Isn’t that nuts?

It reminds me of the Nike ads from the late 1990’s comparing the treatment of skateboarders to other athletes. They did one about running…

youtube

–

Bottom Of The Barrel?

You know we’ve really become lax with the rules surrounding home building when you see this noted on the MLS listing:

“All Building Permits In Place And All Done Legally”

Really? We’re actually advertising this now?

It’s like a parent bragging, “I take care of my kids.” We’re just noting things that are supposed to be done?

A person selling a newly-built house got permits? And it was done legally? And this simply MUST be noted on the listing?

Yeah, well, I guess that’s where we are now. That’s how far we’ve come.

Toronto is full of homes that were renovated without permits; some even built without permits! And I have a sneaking suspicion that the Canada Revenue Agency is going to start coming after the buyers of homes if they can’t go after the builders.

Consider the “substantial renovation.” You all know what this is, right?

The developer keeps the side walls of a brick bungalow so he can claim this wasn’t a “new build” but rather a “substantial renovation,” and then doesn’t apply for the TARION warranty so he doesn’t have to charge GST.

The Canada Revenue Agency has become more fierce than ever. Just ask your accountant, and he or she will tell you stories. And guess what, folks? They’re coming after your substantial renovation.

Like every other agent in Toronto, I have sold homes without a TARION warranty.

But going forward, consider the red flag raised.

–

Okay, if you see me this week, just cut me some slack.

Yes, I look like a vampire.

Yes, I look like I have the mumps too.

Yes, I scare my daughter daily with my bright purple mouth, dripping blood like a zombie.

And yes, I have consumed eight packs of Kraft Dinner, five cans of Zoodles, and a family-pack of Spaghettini cooked so soft you could almost drink it.

Happy Monday, everybody!

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