Now, more than ever, clients are demanding that professional advisers demonstrate professional capabilities. The Chartered title is awarded under the CII's Royal Charter and strictly controlled by the Privy Council. When it comes to choosing a financial adviser, you should always deal with a financial planner who is qualified to the highest level. To find out more about our qualifications and experience or how you can benefit from working with a Chartered Financial Planner such as ourselves, call us on 01892 832 271 for an informal chat or book an introductory consultation. If you're looking for independent financial advice to help meet your current needs and future aspirations then we're always happy to discuss how we could help you.
Richard has always taken the time and trouble to listen to my specific investment needs and I have been extremely grateful that he is, unlike most IFA's, not sales motivated. I have known Richard and Jane Moor for over 20years and would highly recommend them for all your financial needs. Richard and Jane were introduced to ourselves by our accountant to assist with pension planning. Although our investment with Moor Investment Services Ltd is a small one, for us it has been a comfort to have a personal review each year with Richard. Whatever your financial circumstances you can be assured of excellent, well researched advice from Richard and Jane. Now that my husband is in a nursing home, your help with the financial side has been extremely welcome. Moor Investment Services Ltd provided me with an extremely professional service, making the necessary effort to understand my personal and financial circumstances and combine this approach with a respect of privacy and lack of intrusiveness.
Investment Property Purchase (Buy-to-let Mortgages are not regulated by the Financial Conduct Authority. Your home may be repossessed if you do not keep up repayments on your mortgage or any other loan secured on your property. Learn how Bethany Village caters to the whole person, emphasizing your physical, social, mental and spiritual well-being. The blog has been tremendous, as it discusses about the fact of laughing badly for the seniors, who could forget laughing as they grow old. As you pursue writing a memoir, you will find that storytelling is a fun and fulfilling life-skill. Bethany Village resident Elinor Thomas, 89, felt that tug of nostalgia and she did something about it. Last year, Friends and Family produced Bethany Cooks, a collection of favorite recipes from Bethany residents and staff ($15 in the gift shop).
Something as simple as a sing-along, bingo or a trivia game can enhance memory, encourage socialization, help relieve depression, encourage creativity and expression and stimulate ears, vocals chords and facial muscles. Bethany’s 15-member Life Enrichment Team, which has more than 150 years of combined experience, provides our residents with hundreds of activities, events and educational opportunities each month. The need to reach out and help others doesn’t disappear with retirement-community living, which is why Bethany makes a concerted effort to get residents personally involved in the community.
Meeting residents’ physical, emotional, spiritual, intellectual and social needs as well as their need to engage with and serve others is what life enrichment is all about. Make mashed potatoes with low-fat milk, unsalted margarine and roasted garlic, curry powder or paprika. When preparing a Mexican recipe, such as guacamole or filling for tacos and burritos, add cumin and lime juice instead of salt. When making oven-baked fries, sweet potato spears or onion rings, sprinkle with garlic powder and cumin or curry powder.
It’s that delicious time of year when we can enjoy all the colors, flavors, aromas and textures of the fall harvest.
Each March, the Academy of Nutrition and Dietetics (AND) urges Americans to recognize the importance of making informed food and nutrition choices. From my perspective as a dietitian at Bethany Village, I encourage you to add color to your meals.
Here are some tips and a chart to help you make healthy choices – during National Nutrition Month and in the months to come. Dried and frozen fruits and those canned in water or their own juice are good options when fresh varieties are not available. Antioxidants that may offer anti-aging benefits, help with memory and urinary tract health, and reduce cancer risks. Flavanols are type of phytochemical found in cocoa (as well as in apples, tea, grapes and red wine).
The latest study, conducted in Italy, involved 90 elderly participants with mild cognitive impairment. The higher air temperatures put a lot of extra stress on the body; especially for the actively aging. Cool down completely: even after exercising at a indoor gym, your body temperature is elevated above its normal state.
Morning or night: plan to workout in the morning or evening to avoid the higher temperatures.
Know your medications: some medications can be adversely affected when your body temperature rises.
Understand your medical status: if you have been ill, had surgery or are on new medication, check with your doctor on recommendations about exercising in higher temperatures. Reduce your workout time: if you know high temperatures are going to be present, reduce your workout time by a few minutes or cut it in half until the heat drops off. A walking club begins typically by identifying 3-5 people who can help promote and encourage the club and participation. We are amongst a cultural shift though where being fit and healthy is something incredibly important because of the vast health benefits. The American College of Sports Medicine, the largest sports medicine and exercise science organization in the world, has physical activity guidelines that it updates periodically describing how to improve ones physical health through exercise. One of the best things you can do is sit down and really think about what it is you want to accomplish. Break up your routine: ACSM recommends at least 30 minutes of moderate activity on most if not all days of the week. Have you noticed the cultural shift that recognizes that being fit and healthy is something incredibly important because of the vast health benefits? If you are unsure where to start, talk with a reputable exercise professional, preferably an exercise physiologist.
An experienced property management company has seen thousands of applications and knows how to quickly dig for the real facts about candidates and analyze that information for warning signs.
Veteran landlords know it only takes one troublesome tenant to cause significant legal and financial headaches. Avoiding a single law suit can more than pay for the property management fees, and spare you time and anguish. Improve and prepare the property for rent - A property manager will suggest and oversee cosmetic improvements that maximize revenue. Determine the best rent rate - Too high and you are stuck waiting, to low and you’re losing money every month the tenant is in the unit. Effectively market your property - An experienced property management company has written hundreds of ads and understands what to say and where advertise in order to get a larger pool of candidates in a shorter period of time. While its easy to see the effects of lost rent, there are other equally serious problems with a high tenant turnover rate.
A good property management company will have a time-tested tenant retention policy that ensures happy tenants with lengthy stays in your properties. The way you handle rent collection and late payments can be the difference between success and failure as a landlord.
Regarding evictions, there are strict laws concerning the eviction process, and doing it wrong, or trying to evict a "professional tenant" can be a MAJOR fiasco.
A property management company can help you understand which deductions you can claim, as well as organize the necessary forms and documentation to make those claims. Good maintenance and repairs keep tenants happy and preserve the value of your investment which make them a very important part of land-lording.
Preventative maintenance is achieved through putting systems in place that catch and deal with maintenance and repair issues early on, before they grow into larger more costly problems. Less stress - Avoid having to deal with middle of the night emergencies, chasing down rent, evicting people from your property, tenants who wreck your property, rental scams, lousy vendors, piles of paperwork. More freedom - Live and invest wherever you want with the constraint of needing to be near your properties. Free up more of your time - Time is money, and for many investors, their time can be more profitably spent in areas other than servicing their properties. There are plenty of ways to generate leads using free resources like signs, craigslist, etc. Some property managers charge this fee whenever they have to draw up the paperwork to renew a tenant’s lease. These funds are used to pay day-to-day operating expenses, making sure that services are performed promptly and bills are paid in a timely manner. Will they contact you with an estimate before performing repairs over a pre-defined amount? Their policy may be to notify you if an expense exceeds a higher figure like $500-$1,000, but you may want to ask if this can be set lower ($100-$200) starting out and increased over time as you become more comfortable with the property management companies judgment. Companies that don’t offer this may portray it as an ethical hazard since the company could overcharge, but so long as you confirm that the billing rate and process is reasonable, it should not be a problem. This is a small service charge (typically 1.5%) that is added each month to all unpaid invoices that are past due. Fee for making owner payments such as mortgage, insurance, home owners association dues, etc.
Some contracts contain a list of extra services not included in the contract along with the billing rate in the event the owner requests any of them be performed. Keep reading to find out where these funds go and how your management company will handle both your and your tenant's funds. While property management fees are important they must be viewed in light of what other firms are charging, the scope of services provided and the quality of those services. A lower price may reflect either an acknowledgment they don’t provide top tier service, or an attempt to gain business by undercutting the competition.
Remember that all fees are negotiable, so before you make your final decision, you should try negotiating the best rate possible from the firm whom you think would do the best job. There is a significant difference between commercial vs residential property management fees but the average management fee ranges between 4-12% of monthly rent. Leasing fees compensate the manager for the time, effort and cost associated with getting you a new tenant.
In truth, a good management company views the management fee, NOT the leasing fee as the primary profit center.
Does their leasing fee decrease or get waived if it takes them an unreasonably long time to find a tenant? Is the leasing fee structured in a way that provides the firm incentive to bring in reliable tenants?
This usually either means a full or partial refund (sometimes pro-rated) in the event that the tenant is evicted, or breaks their lease within 12 months of the original move in date. Are there any restrictions or extra charges for showings (they only do X number a week, or not on weekends etc.)?
Natural resources are sources of life, materials, or energy that we are able to get naturally from the earth such as fossil fuels, wind energy, rocks, trees, or a source of power like solar energy. Humans use up a lot of energy to power things like lights, appliances, vehicles, computers, and other every day necessities. Air Quality Index for Kids – Learn more about how to measure and observe air quality.
All About Air – Find out why we need air, why it gets dirty, and what we can do to help keep it clean. Air Pollution – Discover what air pollution is and how kids and adults can help prevent it from happening.
The Clean Air Promise – This organization is dedicated to making sure children have clean air to use and breathe. Indoor Air Pollution Solutions – An informative lesson plan that explains indoor air pollution and what can be done to prevent it. Fossil Fuels Eco-Stat – An interactive site to help kids learn about coal, fuel, oil, and natural gas. Electricity and Fossil Fuels – Kids can discover more about energy, and how fossil fuels help with providing electricity. Fossil Power – Here, kids will learn more about fossil fuels and how they power our world. Protect the Forest – Everyone can help protect the forest and wildlife in their own way; check it out here! Deforestation Information for Kids – At Children of the Earth, kids can learn about impacts on our environment such as deforestation. Prevent Wildfires with Smokey the Bear – Children all over the world recognize the famous Smokey the Bear, the mascot who protects the forests against wildfires.
Why Leaves Change Color – Check out why the leaves on trees change to beautiful colors during the fall season. Mineralogy 4 Kids – An entire site dedicated to rocks and minerals and geared towards kids.
Rocks for Kids – Pictures of different rocks and minerals as well as a wealth of educational material all about rocks and minerals for kids is here. Minerals by Name – This comprehensive online dictionary lists minerals by their scientific name, and links them to pictures and more information.
Mineral Matters – Find out how to grow your own crystals and more at Mineral Matters. Minerals in the United States – Use this map to learn more about where different minerals are found in the US. Soil Science Education – Just about everything you need to know about soil is available at this educational website. Ask the Answer Worm – The Answer Worm is here to help kids learn more about our soil. Water Pollution Guide – Explore what water pollution is, how it is treated, and how to prevent it. Water, Water Everywhere – Look at how water affects us and what the different water cycles are.
The Water Cycle – Learn all about the cycle that water takes from the oceans to the clouds and back down again. Just for Kids Wildlife Page – Find all about different wildlife and what kids can to do to protect them. Threatened and Endangered Species – Take a look at the many animals that are currently threatened or endangered.
Wildlife Fun – Wallpaper, games, pictures, and tons more all about animals and wildlife. Kids Saving Energy – Here is some information about how kids can help to conserve energy.
Renewable Energy – The basics for kids about renewable energy and what it means to everyone. Wind Energy – Check out wind energy and its history, how it is used, and what it can do to help the environment.
Just For Kids – Dedicated to educating children about energy and energy conservation. Brain Pop – Amazing games, interactive pages, and educational resources all about recycling, being green, global warming, and more.
Types of Natural Resources – Learn more about the different types of natural resources we share. Kids and the Environment – Find out what kids can do as well as their schools and parents to help preserve our environment. Zoom – Activities and information for kids to help them be better stewards for the environment. Rental rate surveys should be performed at least annually, and more frequently if there are vacancies or lease renewals. Contractual rent escalators allow the rents to be raised without the need to negotiate, offer an explanation or give notice. This is usually a warning sign of trouble ahead; after the first bounced check tenants should be prohibited from writing personal checks until at least 6 months of good payment history has been established. Due on the first day of the month (in hand not postmarked), late on the second day of the month is standard. While late fees can generate revenue, their primary function is to get tenants back on track to timely payments as quickly as possible. Their process should be well documented, and although the best course of action will vary based on the circumstances, they should be able to explain to you the basic checklist they go through each time. In the last year, roughly how many evictions did they experience, out of how many properties being managed?
Time is money, and a smart tenant with bad intentions can drag this process out for a very long time. This is basically a small monthly fee that insures that the management company will pay for all attorney and court costs associated with evicting a tenant they placed. Cashflow may be strong now, but rent will inevitably decrease over time if the property is not well maintained. Offer recommendations on repairs and cosmetic improvements that maximize monthly rent while providing good ROI. Gather data on rental rates in the area and work with owners to determine the optimal rental rate. Discuss with owners the pros and cons of different policies such as accepting pets, allowing smoking etc. Perform a background check to verify identity, income, credit history, rental history, etc. Perform detailed move in inspection with tenant and have tenants sign a report verifying the condition of the property prior to move-in. Understand and abide by the latest local, state and federal legislation that apply to renting and maintaining rental properties.
Perform periodic inspections (Inside and outside) on a predefined schedule looking for repair needs, safety hazards, code violations, lease violations, etc. Provide an network of licensed, bonded and fully insured contractors who have been vetted for good pricing and good work that is up to code.
Assign jobs to different parties (in-house employees, handyman and professional contractors) based on who will do the best job for the best price. Forward any portion of the owner’s portion of the tenant deposit to the owner or hold in owner reserves for repairs.
At this point you may be thinking, "Ok, so that's what what they can do, but how does all of this benefit me and relate to the big picture of my real estate investment strategy?". Acre – An acre is a measurement used in America and Great Britian, equivalent to 43,560 square feet. League – Also known as a legua, as an area measurement used in the Southwestern United Sates it equals 25 labors or 4428 to 4439 acres, depending on the state.
Out – When using chains to measure land, carriers staked the end of a chain before moving it and placing a stake at the new end.
Vara – Length measurement used by the Spanish (also known as the Spanish yard) and in the southwestern United States. Virgate – Used in Old English times to measure area, a virgate was the equivalent of one forth of a hide. Note: This is designed to be a helpful overview of property management contracts, but keep in mind that I am not a lawyer and this does not constitute legal advice.
The contract you sign with a property management company should not be viewed as a mere formality, but rather the sole determiner of what services you or will not receive, what costs you will incur and what rights you will have in the relationship. Choosing to not thoroughly read the contract is no different that choosing to not interview a property manager before you hire them.
Remember that nothing is set in stone and if you take issue with a certain point, feel free to ask about it and see if they are flexible. Preserving and ideally increasing the value of owner properties is one of the chief roles of a property management company. Note: Property maintenance and repair fees are covered in Property Management Fees - Part II. How does the property manager track incoming resident maintenance requests and the subsequent work orders? Preventative maintenance is the mechanism a manager uses to maintain the value of your property and avoid letting small issues become larger more expensive problems down the road. If the answer is yes, are they covered by workers compensation and are they licensed, bonded and insured?
One possible exception to this rule would be when the management company receives a small fee from vendors for guaranteed payment, meaning the vendors gets paid by the management company regardless of whether the owner whose property is being worked on has sufficient funds in their account. Tenants perform inferior quality work, and their lack of insurance coverage, liability or workers compensation could leave you liable in the event of an accident or injury. This is not considered a liability hazard although providing these services eliminates the issue of tenant neglect and can improve tenant satisfaction which helps with retention. What is involved in their process for preparing a property to be re-rented after a tenant has vacated? A good property management firm can easily become one of your greatest assets, second only to the properties that they steward on your behalf.
This guide is designed to empower property owners with the knowledge and tools necessary to confidently evaluate all of the property management companies they interview, and hire a property manager that can competently meet their needs. Will the management company provide you with an IRS-1099 and a summary profit and loss statement for tax purposes?


Reports are your only window into the performance of your investment and it is imperative that you determine BEFOREHAND that the reports they provide will meet your needs.
Reports should be easy to read and show collected rent, deducted property management fees, itemized maintenance, net dollar amount, etc.
Security deposits are an important tool for motivating tenant care and recouping losses due to tenant damage, but if they aren't handled correctly you could lose your right to keep any portion of the deposit or worse, end up owing your tenant several times the deposit amount. State laws vary in this area; what's important is that the firm understands the law and abides by it.
The security deposit is all you have if things go bad and a larger amount means more cushion. They should send the tenant a report with the refund or itemized deductions within the number of days allotted by your state. The refund and deduction process should be designed to motivate good tenant behavior, not to make extra profit. Do they have vendors perform work and then not pay them until rent is collected or the unit is rented?
Owning a rental property can be a rewarding experience, as it often generates a steady income. One of the biggest benefits of using a property management firm is that the firm can handle all tenant screening activities.
It confirms that we have satisfied rigorous criteria, that we are committed to continuing our professional development and we adhere to a standard Code of Ethics and Conduct. Clients want to deal with professional individuals and professional firms who can provide first-class service, advice and support. We will always act in your best interests, providing you with the highest levels of professional financial planning. Their approach from the onset has been personal, yet totally professional throughout and we are delighted with the ongoing financial service they provide, leaving us confident to enjoy our retirement. As we have no knowledge of the financial world, investing in this way means we do not have to worry about it. They are both highly experienced and knowledgeable but can explain things in 'layman's terms' if necessary and they are always friendly and personable.
I might add that the money that has funded his care is as a direct result of how our money was invested in the past from your excellent advice and skill. During this period he has provided me with accurate and independent advice, which has been very beneficial to my pension fund.
Jasa, and my reply of today.A  I received this account during the 2006 Property Settlement Agreement, and am the sole legal owner.A  Eric has broken our Property Settlement Agreement by accessing, making changes to my account, authorizing transactions, and then having the nerve to lock me out of my own account!
My name is Rachel Abshear, and in addition to being a certified activity consultant and certified aging services professional, I am a certified laughter leader! If you have a computer but dislike typing, consider using a speech-recognition software program that lets you dictate into a microphone attached to your computer. You can write your story on paper and hire someone to transcribe it later if you want a typed version. If talking your story is more your style, use an audio device or video camera to record your story.
Because Elinor prints only the number of books she needs at any given time, her costs remain manageable. And who helped organize the 150+ recipes and pictures for publication, plus run a contest to name the cookbook? Do you want to write a short paragraph about why you have included each recipe – perhaps recall some of the memories attached to the dish? As you pull together recipes, check to be sure you have all the ingredients that are used listed and that all the ingredients listed are in fact used in the instructions. Don’t forget the cooking temperature and time as well as the suggested number of servings. Check some of your favorite cookbooks and food magazines to see how recipes are written and pick a simple format you like.
If you are writing to family members to ask for recipes, include a sample recipe format for them to follow and ask them why they chose the recipe they are sending you. If the you or the person you are asking for a recipe doesn’t have an email account, send a self-addressed stamped envelope along with your request. And if you are a family member or friend helping an older adult transition to retirement-community living, it’s a question you will hear time and time again. Activities, entertainment, social clubs and speakers give residents the opportunity to continue lifelong interests and explore new pursuits. Art and crafts activities provide opportunities for self-expression and creativity, improve coordination and flexibility, build confidence, provide a sense of accomplishment, relieve tensions, and improve fine motor skills.
Residents themselves initiate and lead some of our most popular activities, including a book club, veterans group, golf group, and Bible study.
We use food both for nourishment and to enjoy and celebrate important aspects of our lives such as friendship, holidays and special occasions. It is a time we seem to outdo ourselves when it comes to food preparation… not just large, elaborate meals but a smorgasbord at numerous parties and events. Cook more meals at home using less processed foods and limiting high sodium ingredients such as salt. Among all the fruits and vegetables available right now, the apple is arguably the most universally popular – and versatile. Launched in June 2011, MyPlate replaced MyPyramid as the government's primary food-group symbol. Naturally, when findings such as those from this recent Italian study hit the headlines, people pay attention. I am really excited to be able to meet everyone at Bethany and help out in any way that I can.
Exercise itself elevates our core body temperature and with the additional high temperatures, this can lead to heat illness.
Even the air conditioning in a car is sometimes not enough to keep us completely cool when the sun is shining on us. Even if you don’t feel thirsty, have a water bottle filled and ready so you can sip on it. Before venturing outside, make sure to completely cool down by drinking water, wiping sweat off the skin and resting for 5-10 minutes or more if needed. Even if exercising in an indoor gym, try to select a time that gives you a better chance of staying as cool as possible.
If you walk by yourself, have you ever wondered how you can get a group together either at work or in your community like Bethany Village to walk with you?
Creating a flyer with unique name for the group, having predetermined route information and times and contact people for the group is very important. If you need more information on getting a club started, the American Heart Association has resources to further help you get started. Current recommendations encourage at least 30 minutes a day of physical activity, either cardiovascular exercise, resistance training, or both 3-5 days a week for a healthy adult. Weight loss, strength, endurance, activity specific exercises; whatever you can think of that will dictate your plan of action. Once you have done this, look at that calendar and find time blocks for at least 30 minutes of exercise on most if not all days of the week. They can help set up a program to meet your time requirements if you are having difficulty doing it yourself. It is certainly possible to get a bad tenant out of your home once they are in, but it’s a real hassle and you are so much better off never accepting them in the first place. By allowing a management company to handle the screening, you will also be shielding yourself from rental scams directed at owners, and discrimination lawsuits resulting from an inconsistent screening process. A good property manager is armed with the knowledge of the latest landlord-tenant laws and will ensure that you are not leaving yourself vulnerable to a potential law suit. Determining the optimal price requires knowledge of the local market, data on recently sold comparables, and access to rental rate tools.
Additionally because of their volume they can usually negotiate cheaper advertising rates both online and offline. The turnover process involves a thorough cleaning, changing the locks, painting the walls and possibly new carpet or small repairs, not to mention all the effort associated with marketing, showing , screening and settling in a new tenant. These kinds of programs require a consistent, systematic approach, which is where a good property management company will shine. Collecting rent on time every month is the only way to maintain consistent cash-flow, and your tenants need to understand this is not negotiable.
A good property management firm knows the law and has a good process for obtaining the best possible outcome given the circumstances. By hiring a management firm you gain access to both their in-house maintenance staff, as well as their network of licensed, bonded and insured contractors who have already been vetted for good pricing and quality work. This requires a written maintenance check program, detailed maintenance documentation and regular maintenance visits.
Additionally you can live and travel without the requirement of always being available in the event that your tenants have a need you have to tend to.
When you focus on asset management you’re working ON your business, when you manage your own properties you work IN it. Additionally, if this notification is waived during "emergencies", ask that they define what qualifies as an emergency. If managed properly, an in house crew is a benefit that can lead to cost savings and a more streamlined process. Hourly rates are typically $25-$50 while a flat fee for the whole eviction process usually comes in between $500-$600 (plus court costs). Some management firms don't charge a separate fee, while others don't even provide this service.
If this is their policy, find out the brokerage rate and make sure there is a limited term which will allow you to re-list with another firm if the property does not sell within a reasonable period of time. Check to see if this clause exists, what services are listed, and what the billing rate is. The company you hire will be stewarding one of your biggest assets and the last thing you want to do is make your decision based solely (or even primarily) on who charges the lowest fees. The problem with the latter is that it leads to slim margins for the firm which lowers the ceiling on the quantity and quality of service they can provide and still remain profitable.
Not because it is the least important factor, but because you should only think about price, and actually hiring an MC after you have determined that they will provide quality services tailored to your needs.
A lower management fee could easily be wiped out by a lot of expensive back-end charges and vice versa. Some management companies charge a monthly vacancy fee ($50) that is prorated when a tenant is landed.
While this fee is common, some owners are opposed to paying it, preferring that it be padded into the management fee so there is more incentive for the management company to find long term tenants. This is why leasing fees as a stand alone service (meaning without other property management services) are typically much higher (75-100% of first months rent). Instead of charging a percentage, some firms charge a flat fee or a percentage of the gross amount for which the lease is written. Some firms have a policy of only charging this fee once per 12 months per unit which has the same affect. We can work hard to preserve these energy resources by coming up with ways to better conserve our energy, recycle it, or just develop new sources of energy such as solar that will never run out. If the mechanisms are not put in place to bring in the right amount at the right time each month, the business will eventually wither and die. For a property manager to achieve this requires them to have knowledge of the local market and perform solid research on the last 10-20+ most recently rented comparables.
Tenants know they have already agreed to it so it doesn't feel arbitrary, and tenants are actually grateful if the firm decides to not enforce the full rate hike. Additionally, there should be a provision in the rental agreement that says tenants agree to pay the maximum the law allows for all returned checks. Tenants will start paying later and later if the management company lets them, therefore it is imperative they enforce ALL aspects of the lease. This property management fee is typically between five and ten percent of rent, sometimes a small daily fee is added to this as an incentive to catch up ASAP.
You want to deal with a company that acts quickly, documents their actions, and understands your area’s unique laws for this process. Find a manager who excels at containing and eliminating the problem as quickly as possible. It's not a widely offered service, but it’s a valuable service that speaks to the property management companies confidence in their screening process. Keep reading to find out how to determine if a management company has a strong preventative maintenance and repair program in place. You may only need some of these property management services, and the property management companies you interview may offer more or less than what is listed here.
Rent research will vary, but should include looking at the recently rented comparables according to size and type. A person or government would use a land surveyor to determine exactly where property lines fall to establish ownership or determine governmental districts. Depending on locale, it may refer to a Rathbone chain, but most common reference is to a Gunter chain.
Generally understood to be one acre of good Irish land, although the area may be more, as the true understanding is the amount of land it takes to feed a horse or cow for a year’s time. Invented in the 1600’s by Edmund Gunter, it became the standard measuring chain in surveying. The specific measurement varied from region to region, and was dependant on land conditions in the area. The four main compass points, North, South, East, and West are subdivided into points of 11.25 degrees each. The contract is designed to eliminate confusion and create a clear mutual understanding of how the relationship will function in all foreseeable circumstances where a dispute could arise. This way you get a clear picture of what each company is truly offering early on while you have a number of options available.
This guide is meant to cut through the legal jargon and help you see both what is in the contract and how it will affect your relationship with the management company.
While hiring a lawyer to review the property management contract is not absolutely necessary, it is recommended if you feel unqualified or just want to make sure you aren't missing anything. Tenant requests should be addressed promptly and owners provided with transparent system for seeing how their money is being spent. You want to find a manager with a system that does not allow maintenance requests to fall through the cracks and require multiple tenant requests before the work is done. The last thing you want is an answering machine or someone saying you will have to wait till Monday to get your or your tenants issue resolved. This involves things like a predefined maintenance and inspection schedule as well as promptly addressing known issues. Vendors reward management companies for their business, but this should be in the form of discounted rates, which benefit the owner, rather than "referral bonuses" that go to the management firm. Anytime contractors and maintenance personnel are entering occupied units there is potential for trouble if the situation is not handled carefully. You don't want to work with a management company that is unwilling to provide solid documentation of where your money is going.
Why take the risk of having them accidentally fall off a roof or ladder, electrocute themselves, or flood your home? That said, your property manager will make critical decisions on your behalf making it extremely important that you do your homework during the hiring process.
Property managers handle rental income, reserve funds, security deposits, and write checks on the owner’s behalf.
In states where the law dictates that the funds be held in a non interest bearing trust account, you may run into a management company that reasons this is never checked and its ok to keep them interest bearing accounts. If so, what types of controls are put in place to prevent misuse of funds or outright embezzlement? Keeping vendors waiting for long periods of time strains the relationship and forces the vendor to raise their prices to compensate for the delay’s negative impact on their cash flow.
However, a rental property only generates income when a landlord has good tenants who pay their rent on time and do not destroy their units.
Some landlords do not run credit or background checks because they do not have the time or know where to get the reports. Madan Kataria, who developed the concept in order to bring the benefits of laughter to his patients.
With some editing help from his wife, Linda, also a retired teacher, Jeremy, 69, has devoted mornings over the last two years to writing his memoir, The Waters Always Parted (named from a snippet of dialog in the novel Gilead by Marilynne Robinson). The book’s oversized-type makes it easy to read for those who, like Elinor, have macular degeneration. Are you going to look back several generations or focus more on your immediate family and the recipes they would remember?
For more than six decades, the men and women of the Air Force have been models of integrity, service before self and excellence. Residents make new friends, grow physically and mentally, and preserve or improve independence. And members of Bethany’s championship Wii bowling team are always eager to teach others how to play. In this case, it's important for siblings to talk with each other and come to an agreement on the best course of action for Mom and Dad. Everyone usually has a favorite food or two along with some cherished food memories.My name is Cathy Bourquin and I am a registered dietitian.
So how can you resist temptation to partake in excess or completely ignore good dietary habits? Color and texture also give us clues about whether or not a food is safe to eat.Aroma is also a key component of taste.
The government expert committee that drafted the latest set Dietary Guidelines for Americans coined this acronym to describe the two food ingredients that contribute the most calories and the least nutrition to our diets. It is an easy-to-understand visual featuring a plate divided into four sections: fruits, vegetables, grains and proteins as well as a glass representing low-fat dairy products. Flavanols may benefit the brain as well by helping to improve blood flow or working on the structure of the brain to preserve neurons.
Each group drank an assigned amount of a dairy beverage containing cocoa flavanols over an eight-week period. I have been working within senior living communities for the past four years in a fitness and wellness capacity. It’s important to me to teach about fitness and wellness, create fitness programs to help the individual, and encourage each participant to do the best they can. Just walking from the car to the gym can sap our energy even for the most dedicated exerciser. The elevated body temperatures also trigger a unique physiologic effect by diverting blood to the skin to cool it. It’s important to pick consistent times through the week and allotting specific days of the week. Sending out emails, flyers, putting information with pay stubs, using work place specific websites to promote work site wellness, holding meetings, spreading by word of mouth are all ideas to generate interest. We work 40 or more hours a week, have meetings to attend, possibly have children or grandchildren, have errands to run, meals to cook, doctor visits to go to, etc. The problem for many of us is finding time to make exercise an integral part of our busy lives. This kind of experience takes time, and insomuch as it means avoiding bad tenants, scams and lawsuits it is arguably one of the most significant benefits a property management company will provide. Lastly, they are familiar with sales and know how to close when they field calls from prospects and take them on showings. This is a time-consuming and expensive process that can often be averted by keeping tenants happy and well cared for.
By hiring a property manager, you put a buffer between yourself and the tenant, and allow them to be the bad guy who has to listen to excuses, chase down rent, and when necessary, evict the person living in your property. Property managers have an advantage because tenants realize that they, unlike the owner, are only doing their job and are obligated to enforce the lease terms. Never having to handle another eviction can be a compelling reason to consider hiring a property management company. This can translate into significant savings compared to going through the yellow pages and hiring a handyman yourself. The management firm can also offer you suggestions and feedback on upgrades and modifications, both how they will affect the rent you can charge, as well as their impact on maintenance and insurance. Once you have found a good management company, it doesn’t matter if you live in the same state. This fee could be charged in addition to the leasing fee so it’s important to ask who pays and what the typical fees are.
Also, if the firm requires it, how much would the sales commission be in the event that a tenant ends up wanting to purchase the property they are occupying? If a firm is under-pricing their services across the board it is possible they may try to make up for it by overloading their managers with as many properties as they can (or can't) handle.
This fee will vary based on the number of properties you need managed, the number of units in each property, the location and condition of the property, and most importantly, what services are included for that fee. Other companies expect to collect the full monthly property management fee even though there is no rent coming in. Find out if the fee is per unit or per property, and if it makes a difference if the unit is occupied or not. A transparent fee structure is laid out in such a way that high tenant turnover hurts, rather than rewards the management company. Renewable resources can be used endlessly and do not have a reserve of supply, such as air, wind, or sunlight.


When properly performed, this is what allows top real estate investors to achieve a higher than average return on investment. Rules of thumb like the 1% rule (charging 1% of the property's value as the monthly rent) are handy for reference, but can not replace thorough research using current market data. This lets you know as soon as possible if funds aren't there and eliminates excuses about checks lost in the mail. Once they identify a tenant with a trend of delinquencies, they should keep a close eye making sure they either get back on track or deal with the consequences.
Keeping it shorter prevents it from getting significantly delayed in the event of a holiday or long weekend. In theory, the late fees are supposed to reflect the penalty the owner would experience in the event of a late mortgage payment.
Land surveyors also assist with creating road maps, topographical maps, and other scientifically precise maps using complex mathematical calculations and high-tech equipment.
A competent manager accomplishes all of this with the assistance of both internal staff and their network of qualified, licensed vendors whom they have vetted for excellent cost effective service. If they don’t allow tenant repairs, make sure this is written into the rental agreement.
You want to find a property manager that will proactively offer this kind of feedback on an as needed basis.
Part of the property managers job is to shield you from legal liability by acting in accordance with all relevant laws, so you should be wary when a prospective manager tells you they use legal short-cuts. Make sure they have reasonable conditions and deduction amounts as well as provide good itemized documentation of damages and repair costs.
Once a landlord encounters a problem tenant, owning and managing a rental property becomes difficult and time-consuming. I started volunteering in a retirement community when I was 14 years old and I fell in love with the job.
First, however, she wants to market The See-Easy Large Print Cookbook to Walmart and local bookstores.
It's especially hard for the sibling who lives the farthest distance from Mom and Dad and the other siblings. You may not be able to balance your diet every day, but over the course of several days about 45% to 65% of calories should come from carbs, about 20% from protein and about 20% to 30% from fat.2.
Here are some ideas from various sources and one or two may inspire you to avoid holiday binging:Remember, the holiday season should be enjoyable, and fine food is one of the pleasures of the season. Fruits and vegetables also contain essential vitamins, minerals and fiber that may help protect you from chronic conditions including stroke, cardiovascular diseases and certain cancers.
Chemicals in food that dissolve in the air can be detected by the smell receptors in your nose.
Over-consuming SoFAS displaces important nutrients (such as calcium, vitamin D, potassium and beneficial fats like omega-3s) and also raises the risk of obesity, diabetes and heart disease Solid fats, whether from animal products (saturated fat) or from vegetable oil that has been hydrogenated (trans fat), are found in foods ranging from hot dogs to french-fries and ice cream. MyPlate is a great tool for helping people remember what foods they should be eating and how much should be on their plate. The study authors are quick to note that more research is necessary to fully understand the role of cocoa flavanols in health. Prior to this I worked as a Personal Trainer in Kettering for three years at the Trent Center. Each Fitness Center participant will learn how the machines operate and why they are doing the exercises they are doing. This bodily mechanism though takes blood away from the muscles which also increases the heart rate and blood pressure.
If reluctant to start an exercise program, this may be the way to go so that you develop adherence to working out. Making it a point - a conscious effort - to exercise and stay healthy is the best thing you can do. Doing too much at too fast of a pace has worn them down, causing them to lose their focus and affecting their ability to see things the way they really are.A I know exactly what ita€™s like to move at such a fast pace a€” to get the adrenaline flowing and then keep it flowing like a river for days at a time. Many property managers will tell you that it is considerably easier to manage other people's units rather than their own for this reason. Not only is the firm able to get volume discounts on the work, they also know the contractors and understand maintenance issues such that they are capable of intelligently supervising the work. Some landlords live in other countries and simply collect their check every month without ever seeing the property. You should ask if they require lease renewals or if they allow tenants to go month to month after the initial term is up. Make sure that the language in the contract indicates management fees are to be paid out of "Collected rent" or "Rent collected" as opposed to "Scheduled rent" or "Rent due". The only time this is not the case is when the fee is excessive, or there are significant vacancy fees. Non-renewable energy resources will eventually run out of supply, such as gasoline or even batteries used to power cars. Remember that a strict collections process is only balanced out by the property manager quickly responding to tenants’ needs with quality service.
Today's land surveying uses satellite imaging and GPS, tools unimaginable to early surveyors. The measurement of an acre began as a reference to a plowing area that was 4 poles wide by 40 poles (a furlong) long. Slum lords may balk, but successful real estate investors know that when you’re in for the long haul you have to engage in sustainable practices that maximize property values, not short-term practices that delay (and multiply) costs. If you are comfortable allowing them, at least have the tenant sign a waiver and agree that the repairs must be approved by the manager. Lastly, if your state allows landlords to hold and use the funds at their discretion, consider that using the funds early will add the refund to the other expenses you experience after a vacancy (repairs, cleaning, advertising, etc.). Tenants with a questionable financial record may be required to pay more (low credit score, foreclosure or bankruptcy on record). These things help prevent trips to small claims court, or if you do go, help make sure you don't wind up on the wrong side of a judges verdict. Using a professional property management company has a number of benefits for landlords, especially those who own multiple properties. I spent two afternoons a week with a reclusive resident who was blind, deaf and had insulin-dependent diabetes. In honor of those who served, Bethany will celebrate the birthday of the Air Force on Friday, September 16. This brother or sister wants to be involved, but feels guilty because it's hard to get home and be present when important decisions are made.
Your body needs nourishment throughout your waking hours, but that doesn’t mean you should eat non-stop all day!
Instead of depriving yourself, allow yourself to indulge in foods that make your holiday season meaningful. For example:Many yellow and green vegetables are good sources of phytochemicals that may help prevent age-related macular degeneration, a leading cause of blindness in older people.
People who have or are at risk for high blood pressure and heart disease, are 51 or over or are African American should aim for only 1,500 milligrams a day. As you can see, MyPlate is a circle with four colorful sections devoted to fruits, vegetables, grains and protein.
The good news is that a recent study found that the flavanols found in chocolate might help improve memory loss. Participants who had consumed more of the beverage showed significant improvement in cognitive ability and memory. In the meantime, savor good-quality chocolate in moderation as part of a well-balanced, calorie-appropriate, nutrition-rich diet. These tips apply to everyone, from residents at Bethany Village to that young runner training for her first marathon. The higher temperatures can also bring higher humidity levels, which prevent the sweat our bodies create from evaporating increasing body temperatures even more. Picking a walking route, either around work or at a local park, is very important because you need to determine the length and amount of time spent walking. It’s your responsibility to take care of your body so you can have a long, healthy and functionally fit life.
When youa€™re moving that fast, ita€™s difficult to stop when you finally try to sit down and rest because your adrenaline is still racing.
Ensuring this language is in place will also protect you from having to pay management fees in the event that a tenant stops paying rent.
In the event that you are fortunate enough to have a long term tenant, you will benefit by not having to pay a leasing commission that is padded into the monthly management fee. By doing small things like turning the water off when brushing your teeth or recycling, we can help preserve the environment and keep the resources we have for generations to come.
Queen Elizabeth I, in 1695 redefined the measurement of a mile from 5,000 feet to 5,280 feet so as to equal an even number of furlongs.
These benefits save landlords a significant amount of time and money and make owning a rental property more rewarding. The other siblings need to make an effort to keep the out-of-towners involved through phone calls and emails. Meaningful relationships and activities create pleasurable anticipation, and so does a good meal, especially in the company of others. Aim for three balanced meals a day with small morning, afternoon and evening snacks such as fruit, low-fat yogurt or even a small piece of high-quality dark chocolate. While it’s not that difficult to control how much salt you cook with or sprinkle on food, it is very challenging to avoid salt in the processed foods that make up a great portion of the American diet.
Sugar occurs naturally in some foods including fruits and vegetables, milk and some grains.Nutrition experts recommend that SoFAS account for no more than 5% to 15% of total daily calories. Fruits, vegetables and grains make up three-fourths of the plate; protein is limited to a smaller wedge. Lemon juice is available in a spray bottle, which makes it very convenient to spritz apple slices!Do you have a favorite apple recipe? I grew up in Kettering, so coming to Bethany has been a little bit of a homecoming since I live in West Chester and previously worked in Cincinnati. The distance of the route can also determine a caloric burn some participants want to achieve. You may be sitting down physically, but youa€™re still running emotionally!A Therea€™s a big problem with moving so fast. And make an effort to keep your exercise schedule on track Survey the entire table before you take any food. This finding doesn’t mean that chocolate lovers can now consume as much of the sweet treat as they want. If you struggle to make exercise a habit, seeing a time and day can serve as a motivational cue. The demands of our schedule a€” job, family, church, friendships, and so forth a€” start piling up, each overlaying the other as we race from place to place. For these people, we strive to provide an alternative meal option best suited to their needs and in compliance with their wishes.When I began working at Bethany 16 years ago, I wanted a flexible part-time job that would allow me to spend some time with my young children. Carrying extra weight takes energy – and that means less energy for you to do the things you enjoy. Decide what foods are worth eating and what can be ignored, and then stick to that decision. The brain puts together information from taste and smell receptors (along with information about appearance, texture and temperature) to produce an overall flavor sensation.Try this experiment. The American Heart Association recommends no more than 100 calories a day from added sugar for most women and no more than 150 calories a day for most men. From its beginnings as the Wright brothers' testing field, WPAFB has evolved into headquarters for Air Force worldwide logistics, systems development and procurement, aeronautical engineering.
Here is what you should know about the latest news on what may be your guilty pleasure – chocolate. Currently, she consults with organizations serving older adults on issues of aging and strategic planning. Today Wright Patterson is an almost $60 billion enterprise equivalent to a Fortune 34 company. So regardless of how far away you live, you can still learn about options being considered for your elderly parents. It is so inspiring to watch people work together to overcome emotional and physical setbacks, to accomplish personal goals and to genuinely enjoy their life.When I am not at work, my husband and I are enjoying our lives in a country setting near Bellbrook, Ohio. Check the ingredient label on packaged foods to find added sugar, which goes under many names. If you are worried about making time for your family, think about some activities that can involve them.
In addition, WPAFB is home to an extensive research laboratory complex, education center and medical center.
Use the thumb and forefinger of one hand to pinch off your nose and prevent volatile chemicals in your mouth from reaching the smell receptors in your nose.
You can also print these lists.MyPlate also conveys some new advice, based on the 2010 Dietary Guidelines for Americans, which were released earlier this year. As her 25th anniversary with COA approached, the staff wanted to give Arlene a gift; instead, she asked them to let her think about a way she could give back to them. Keep your percentage of carbs, protein and fat the same – just reduce the total amount of food you eat. With 200+ options and a variety of convenient packaging to make fruits and vegetables easy to store and easy to serve, there’s bound to be something to please everyone!Will you use these tips this month in your grocery shopping? Rose, The account ending in 6661 was opened as a joint account, which gave you and Eric Swanson equal rights and ownership.
Find a comfortable spot across the room and focus on people instead of eating.Watch your portion sizes. Replace them with lower-calorie, nutrient-rich vegetables, fruits, whole grains, heart-healthy vegetable oils, and fat-free or low-fat dairy products.Have these tips helped you identify SoFAS in your diet? The work suffers because wea€™re too tired to perform at 100 percent and therefore cana€™t do our job to our full potential.
Comment on your success in cutting back on SoFAS in your daily meals.Click for more information on healthy cooking and eating. This then results in our having to battle feelings of condemnation for not doing a better job!A Leta€™s face it a€” ita€™s extremely difficult to do everything simultaneously. Since 1997 (the Air Force’s 50th anniversary year), WPAFB has hosted the official Air Force Marathon on the third Saturday in September. On a positive note, however, many fast food and quick-service places are now offering lower-calorie options.4.
You may be able to swing it for a while, but in time, youa€™ll start missing important details, forgetting what you said, missing appointments, messing up in your finances, and even getting emotional over unemotional issues because youa€™ve pushed yourself beyond your limit.
After 10 or 15 seconds, take your hand off your nose, continue chewing the jellybean and breathe normally. If this is you, slow down and set aside some time to spend with the Lord.A I have to admit that sometimes I also fall into the trap of doing too many things too fast. Is it really worth it to give in to short-term enjoyment only to diminish the pleasure of the rest of the celebration?
Can you determine the flavor of the jellybean now?It is estimated that more than 2 million Americans have a smell and taste disorder. During this call the online password was reset, he submitted a Removal of Non-maketable Security Form ,and placed an order to sell Ultra Short S&P 500 ProShares (SDS). She appreciates the value of the Art Center, giving Bethany residents opportunities to create, engage in, and view art, and the friendliness of the Bethany community during her visits.In addition to opportunities in the Cincinnati area, Arlene has displayed her photographs in Boston, Washington, DC, Montana, Great Britain, the Middle East, and Sri Lanka. Ita€™s not that I want to move so fast, butA to get it all done correctly, I have to keep moving and stay on schedule.
The marathon course traverses historical places across WPAFB such as the Air Force Institute of Technology and the Wright Brothers Memorial Monument. Last but not least, remember to enjoy your food and give the positive changes you make time to work. If I delay in one area, itA throws everything else off schedule and creates a schedule crisis for many others in the ministry. Last year she exhibited in Switzerland at their national aging conference.Arlene hopes that through her art people realize that the emotions attached to aging are universal and powerful. The Air Force Marathon course is certified by the USA Track and Field Association and is a Boston marathon qualifying race. But when chocolate cake is simply a necessity, make your portion small and savor every morsel.How do you feel about the new MyPlate guidelines? No funds can be removed and no trades can be processed until a signed letter of instruction (LOI) from all account owners is received by our firm.A  In order to remove Mr.
People who have lost ability to fully detect flavor may add too much salt or sugar to their food, which is a problem for those with high blood pressure or diabetes.If you or a loved one are experiencing an aged-related loss of taste and smell, ask your doctor for a referral to a registered dietitian who can help you learn to use healthful herbs, spices and other flavor-enhancers. Swanson as a co-account holder you will need to submit a certified divorce decree and a notarized letter of instruction signed by both parties. Your doctor can also check your medications and oral and nasal health to determine if they are impairing your ability to smell or taste.
This is obviously a person who has a lot of responsibility and is doing his best toA do it all in a professional and excellent fashion. Swanson could send a notarized LOI asking that his name be removed from the account as co-account holder.
In order to do everything that is on his plate, thisA person is required to work hard all the time. Don’t let an impaired sense of taste and smell that can be re-invigorated keep you or a loved one from the flavor of life. For more information on healthy cooking and eating, click here.Did you try the jellybean test? But in order to truly enter His Presence so we can hear the voice of the Holy Spirit, we mustA first quiet ourselves by getting away from the commotion of life and finding a quiet place to worship,A pray, and read the Word. Thata€™s the only way we can quiet our soul enough to be able to hearA Goda€™s voice speaking to our inner man. Once youa€™ve stopped long enough to really rest inA His Presence, youa€™re finally in a position where you can start receiving from Him. Tarry there awhile, and let the Holy Spirit give you peace, joy, strength, andA direction.A Learn to rest in Goda€™s Presence. You see, there is a quiet place in Him, a place of refreshing,A where you will find comfort, peace, and protection a€” every time. As you do, the Holy Spirit will release His resurrection powerA and you will be quickened in your physical body. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. Today I am making the choice to put everything else aside and to make my time with You the top priority in my day. Spirit of God, my schedule is very full, and I need special strength to make it through this busy time. I will therefore quiet myself from the commotion of life and get into the Presence of Jesus.
It is my key to remaining steadfast and strong enough to keep on schedule and to stay on track with everything I need to do.
The Holy Spirit will release His resurrection power in me, and I will be strengthened, refreshed, recharged, and empowered by God. Is your time with Him more important to you than all the other things that youa€™re scheduled to accomplish? If your time with Him really is that important, is there a reason you havena€™t planned it into your schedule?A 2. Please send me the previously requested Affidavit of Fraud, the recorded conversation between Eric William Swanson, and the proper form for removal of Eric's name from my account. But in order to truly enter HisPresence so we can hear the voice of the Holy Spirit, we must first quiet ourselves by getting away from the commotion of life andfinding a quiet place to worship, pray, and read the Word.
Thata€™s the only way we can quiet our soul enough to be able to hearGoda€™s voice speaking to our inner man. Co-holders to an accountare allowed to do whatever they want with (including withdrawals, changingpasswords, closing the account) without the consulting the other party.
Swanson would have conducted transactions in theaccount if he knew he wasn't authorized to do so by the court.Fraudulent activity has occurred within my account, as Eric William Swanson was not legally entitled to access it.
When will I receive the audio recording of the conversation between Eric William Swanson and TD Ameritrade?I'm most curious to hear how he justified accessing my account. Based on your words, it appears that the "security" of my account isn't really of much concern to you, Richard.
Rather, clarification of ownership seems to be your assignment.I'm not concerned about "people evesdropping" on any of my conversations,it's good practice to not broadcast one's personal information and account numbers overcellular or cordless phones. Rose,To process your request, please send us:- A copy of the certified divorce decree that specifically states to removeEric William Swanson as a co holder. We aresending you this notification to inform you of important information regardingyour account. Talk with our Virtual Investment Consultant and get immediate answers to questions about our products, tools, and services. Grant, Attorney at Law, Juneau, AK From Wedding Bells to Tales to Tell: The Affidavit of Eric William Swanson, my former spouse AFFIDAVIT OF SHANNON MARIE MCCORMICK, My Former Best Friend THE AFFIDAVIT OF VALERIE BRITTINA ROSE, My daughter, aged 21 THE BEAGLE BRAYS! HELL'S BELLS: THE TELLS OF THE ELVES RING LOUD AND CLEAR IDENTITY THEFT, MISINFORMATION, AND THE GETTING THE INFAMOUS RUNAROUND Double Entendre and DoubleSpeak, Innuendos and Intimidation, Coercion v Common Sense, Komply (with a K) v Knowledge = DDIICCKK; Who's Gunna Call it a Draw?



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Comments

  1. 25.01.2016 at 20:56:43


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  2. 25.01.2016 at 18:29:43


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  3. 25.01.2016 at 20:44:34


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