When
you decide to run for a board, youre usually thinking about all the
great changes youre going to make to your building, along with all the
time and effort that youre prepared to sacrifice for the good of your
home.Of the many thousands of dollars a large condominium, co-op, or
homeowners association may spend each year on insurance, two policies
that typically cost less than five percent of the total are two of the
most vital: crime insurance.
First, theres general liability coverage, which protNew and used commercial plasticmoulds sales, rentals, and service.ects the association if someone is hurt on the property. This one is straightforward. But fidelity bond insurance and D&O insurance can seem more complicated to understand. Essentially, they are there to protect the board against lawsuits.
Fidelity bond insurance or crime insurance is typically a stand-alone policy or is included within a package policy that protects an association from any theft or misappropriation of funds by people entrusted to handle them. Essentially, says Edward Mackoul, president of Mackoul & Associates, an insurance brokerage firm with offices in Garden City, New York City and New Jersey. It protects the board.
It protects them against the theft of insured funds or business property. So if a building employee steals money, the insurance will cover them. Thats why its also known as crime insurance, says Michael Rubin, president of The Rubin Group, an insurance agency in New York City.Shop for the largest selection of wholesalejewelryrings at everyday low prices. Recently, he says, a building in New York hired a third-party manager to help with the building, but the manager they hired was stealing the buildings money.
Now the building cant meet their obligations, so the fidelity insurance company replaces that money, Rubin says. If you have elevator maintenance and roof repair and all of a sudden,Choose from a large selection of crystalbeadswholesal to raise awareness. the money is gone, the insurance covers that.
Of course its possible to figure out who took the cash in the first place, to hire lawyers at that point and to hope that the money hasnt been spent yet so your building could get it back. But in the meantime, the buildings bills will have gone unpaid and the entire building may go into foreclosure. Getting a good insurance plan is much easier and could be less costly in the end.
Waterwise holds many tours throughout the year, some for xeriscaping, others for rain water harvesting. Saturday, those on the rain water harvesting tour were permitted to visit the new Brian Terry Border Patrol Station and learn about the high-tech system the federal government installed.
Border Patrol agent Manases Manny Villa gave a presentation of the system installed by Brae, that consists of two, underground 25,000-gallon fiberglass storage tanks that provide water for the minimal native landscaping of 19 trees and 11 ocotillos and for flushing the stations commodes.
Villa was acting as a border community liaison for the tour and did not have the information on hand to answer all the questions. He did the best he could and for those who had questions that he could not answer, he said he would find out.
The roof of the building can collect nearly 500,000 gallons of water a year that is fed into the special filters for each tank and then to strainers to collect sediment before it goes into the tanks, explained Villa. The self-cleaning filters can be regularly checked via manhole covers. Water is pumped from the tanks just below the surface of the water in the tanks. That way, no sediment can get into the water lines running through the station.
Water is extracted with pumps that take the water through a rainwater control system with a pressurization process that maintains steady pressure within the water lines entering the station. As the water comes in to the station, a minimal amount of chlorine is used to disinfect it so that when it comes out in the commodes or the irrigation system the water is relatively clean. When an agent uses the bathroom, there is a handle on the high-efficiency commode that allows him or her to pull up for just urine flushing using far less water than pushing down on the handle for solids, Villa noted. An up-flush uses just 0.6 gallons of water, while a down-flush uses 1.More than 80 standard commercial and granitetiles exist to quickly and efficiently clean pans.6 gallons. All of the mens urinals are waterless.
Last year, the Federal Government announced a plan to reshape aged care in Australia. Called Living Longer Living Better,Weymouth is collecting gently used, dry cleaned jewelryfindings at their Weymouth store. the reform includes a 10-year strategy to change the way aged care operates.Leading Aged Services Victoria's John Begg said the reform aimed to give people more choices in terms of how they received care, whether at home or through moving into a residential aged-care home.
Mr Begg said the legislation would provide more support for older people to stay in their own homes for?longer.At the moment, when an?older person enters residential aged care they pay a?bond.Under the new legislation the way people pay for aged care would significantly change from next year, Mr Begg said.
"The changes mean that people who are entering residential aged care will have a choice to pay an accommodation bond, a daily accommodation payment or a combination of both. The person has 28 days to decide on their chosen method of payment," Mr Begg said."When a person pays an accommodation bond they are in essence buying their place and, through paying the lump sum, allowing the residential aged-care facility to invest the money and undertake much-needed improvements and expansion of services."
Mr Begg said if a person chose to pay the daily accommodation, they were renting their room from the provider, who received no funds to invest in the growth of the industry.He said the changes would have huge implications for financing of residential aged care and could affect an older person's entitlements.Elder Rights Advocacy Victoria chief executive Mary Lyttle said it was hard deciding whether it was time to look at aged-care options for elderly family members.
Elderly people must first be assessed by the Aged Care Assessment Service, which determines what type of care is needed, such as community at-home care or residential aged-care service.
Read the full products at http://agesteeljewelry.com/!
First, theres general liability coverage, which protNew and used commercial plasticmoulds sales, rentals, and service.ects the association if someone is hurt on the property. This one is straightforward. But fidelity bond insurance and D&O insurance can seem more complicated to understand. Essentially, they are there to protect the board against lawsuits.
Fidelity bond insurance or crime insurance is typically a stand-alone policy or is included within a package policy that protects an association from any theft or misappropriation of funds by people entrusted to handle them. Essentially, says Edward Mackoul, president of Mackoul & Associates, an insurance brokerage firm with offices in Garden City, New York City and New Jersey. It protects the board.
It protects them against the theft of insured funds or business property. So if a building employee steals money, the insurance will cover them. Thats why its also known as crime insurance, says Michael Rubin, president of The Rubin Group, an insurance agency in New York City.Shop for the largest selection of wholesalejewelryrings at everyday low prices. Recently, he says, a building in New York hired a third-party manager to help with the building, but the manager they hired was stealing the buildings money.
Now the building cant meet their obligations, so the fidelity insurance company replaces that money, Rubin says. If you have elevator maintenance and roof repair and all of a sudden,Choose from a large selection of crystalbeadswholesal to raise awareness. the money is gone, the insurance covers that.
Of course its possible to figure out who took the cash in the first place, to hire lawyers at that point and to hope that the money hasnt been spent yet so your building could get it back. But in the meantime, the buildings bills will have gone unpaid and the entire building may go into foreclosure. Getting a good insurance plan is much easier and could be less costly in the end.
Waterwise holds many tours throughout the year, some for xeriscaping, others for rain water harvesting. Saturday, those on the rain water harvesting tour were permitted to visit the new Brian Terry Border Patrol Station and learn about the high-tech system the federal government installed.
Border Patrol agent Manases Manny Villa gave a presentation of the system installed by Brae, that consists of two, underground 25,000-gallon fiberglass storage tanks that provide water for the minimal native landscaping of 19 trees and 11 ocotillos and for flushing the stations commodes.
Villa was acting as a border community liaison for the tour and did not have the information on hand to answer all the questions. He did the best he could and for those who had questions that he could not answer, he said he would find out.
The roof of the building can collect nearly 500,000 gallons of water a year that is fed into the special filters for each tank and then to strainers to collect sediment before it goes into the tanks, explained Villa. The self-cleaning filters can be regularly checked via manhole covers. Water is pumped from the tanks just below the surface of the water in the tanks. That way, no sediment can get into the water lines running through the station.
Water is extracted with pumps that take the water through a rainwater control system with a pressurization process that maintains steady pressure within the water lines entering the station. As the water comes in to the station, a minimal amount of chlorine is used to disinfect it so that when it comes out in the commodes or the irrigation system the water is relatively clean. When an agent uses the bathroom, there is a handle on the high-efficiency commode that allows him or her to pull up for just urine flushing using far less water than pushing down on the handle for solids, Villa noted. An up-flush uses just 0.6 gallons of water, while a down-flush uses 1.More than 80 standard commercial and granitetiles exist to quickly and efficiently clean pans.6 gallons. All of the mens urinals are waterless.
Last year, the Federal Government announced a plan to reshape aged care in Australia. Called Living Longer Living Better,Weymouth is collecting gently used, dry cleaned jewelryfindings at their Weymouth store. the reform includes a 10-year strategy to change the way aged care operates.Leading Aged Services Victoria's John Begg said the reform aimed to give people more choices in terms of how they received care, whether at home or through moving into a residential aged-care home.
Mr Begg said the legislation would provide more support for older people to stay in their own homes for?longer.At the moment, when an?older person enters residential aged care they pay a?bond.Under the new legislation the way people pay for aged care would significantly change from next year, Mr Begg said.
"The changes mean that people who are entering residential aged care will have a choice to pay an accommodation bond, a daily accommodation payment or a combination of both. The person has 28 days to decide on their chosen method of payment," Mr Begg said."When a person pays an accommodation bond they are in essence buying their place and, through paying the lump sum, allowing the residential aged-care facility to invest the money and undertake much-needed improvements and expansion of services."
Mr Begg said if a person chose to pay the daily accommodation, they were renting their room from the provider, who received no funds to invest in the growth of the industry.He said the changes would have huge implications for financing of residential aged care and could affect an older person's entitlements.Elder Rights Advocacy Victoria chief executive Mary Lyttle said it was hard deciding whether it was time to look at aged-care options for elderly family members.
Elderly people must first be assessed by the Aged Care Assessment Service, which determines what type of care is needed, such as community at-home care or residential aged-care service.
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