How To Protecting Your Family From Hidden Mold [Kindle Edition]





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 How To Protecting Your Family From Hidden Mold [Kindle Edition]

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 How To Protecting Your Family From Hidden Mold [Kindle Edition]



Tuesday, March 26, 2013

Real Estate Law: Why a Florida HOA Should Avoid Over-Regulating and Tips for Handling Violations

Real Estate Law: Why a Florida HOA Should Avoid Over-Regulating and Tips for Handling Violations


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Do your HOA board members routinely patrol the grounds to look for minor rule breaking? Does your HOA send out notes and letters to members who violate even small rules for a few hours? There are many problems with this practice, as it angers good members of the community and pushes people away from volunteering and participating. Florida is known for having a great deal of homeowners and condo associations, so this problem can really be widespread. Along with angering owners in the community, it can even lead to legal problems in the state of Florida, as it may trigger discrimination claims under state law. Here's a look at why your HOA should avoid over-regulating and some tips for handling small violations.

Real Estate Law: Why a Florida HOA Should Avoid Over-Regulating and Tips for Handling Violations

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Calculating Airplane Ownership Cost


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Over the years, calculating the cost to own an airplane is one of the most frequently asked questions I receive. There are a lot of different cost factors that go into owning an airplane. The purchase price is just one piece of the entire cost of the airplane ownership pie. Other pieces include taxes, hangar or tie down costs, fuel, oil, insurance, ramp fees, engine reserves, routine maintenance, inspection items and subscriptions to name a few. The following article will help you determine what costs are involved in owning an airplane and how to plan your finances accordingly. Keep in mind the following article offers a generic estimate on how to calculate the ownership costs of most piston airplanes.

Calculating Airplane Ownership Cost

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Aerotrek: One of the Best Light Sport Aircraft Around


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First-time aircraft fliers might be surprised when they find out that there are several types of light sport aircraft available. The Aerotrek, for instance is a good example of a light sport aircraft. It is a aircraft that is listed under the Federal Aviation Administration's existing certified models.

Aerotrek: One of the Best Light Sport Aircraft Around

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How to Procure the Lowest Rates For Florida Homeowners Insurance


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What drives up the rates of Florida Homeowners Insurance?

How to Procure the Lowest Rates For Florida Homeowners Insurance

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According to the Florida department of insurance here are but a few of the driving forces:


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How to Procure the Lowest Rates For Florida Homeowners Insurance



Increased Reinsurance Costs of insurers Premium reductions from the full implementation of mitigation discounts Fraud and Inflated Claims Erroneous or fraudulent wind mitigation credits at the retail level Replacement cost methodology Reported sinkhole claims Catastrophic Assessment fees applied due to 2004-05 hurricanes



How to Procure the Lowest Rates For Florida Homeowners Insurance

These increased cost and claim payouts by insurers affect the capital and stability that insurers need to remain profitable and stable in order to continue paying claims therefore a necessity that the cost be passed on to insured's.. Additionally the selections of private homeowner's insurance companies are rapidly evaporating providing fewer and fewer choices. So what can you do to at least me informed and prepared.

Homeowners Saving Tips to Consider when Purchasing a New Home

Choose a smaller Home -Square feet- size is still king the bigger the home the higher the replacement cost

Choose a Home with Updates - avoid older homes with outdated wiring Knob and Tube, Plumbing and heating, AC

Choose a home with Fire Protection -Distance to fire station and fire hydrant

Consider the age of the roof 10 years or newer for shingle roof can be 15 for tile roof

Consider Construction materials- masonry block built over frame built

Consider Flood Zones- Is the home in a flood zone ( Your lender may require additional flood insurance)

Current Homeowners Seeking Best Rate at Renewal or Replacement

Avoid Claims- Claims are reported to CLUE (Comprehensive Loss Underwriting Exchange) in some instances even if you do not choose to move forward with the claim, example suppose you had water damage from an AC or pipe burst, you filed a claim and the insurer determined to cost to repair or replace was 00 and you had a 00 deductible even though the company did not pay out and you covered the cost, this claim could go on the exchange and prevent you from qualifying for the most affordable rate or company.

Manage Your Policy Premium Optional Coverages to Lower Your Premium:

1. Raise your deductibles options are: 0, 00, 00,00

2. Choosing depreciated personal property over full replacement

Removing optional sinkhole coverage

3. Lower Other Structures Coverage- Detached garage, Fencing, Pool Cages, Pools This is standard at 10% of Dwelling coverage adjustments that affect your premium can be made from 10%,5%,2% or excluded altogether.

4. Lower Personal Property coverage Everything not attached you own- Appliances, Furnishings Standard is 50% of the dwelling amount Some carriers allow you to decrease anywhere from 45% to minimum of 25%

5. Lower Owners Liability Coverage- Can be adjusted either 0,000 or 0,000

6. Lower Medical payments to others- Optional 00, 00, 00,00

7. Raise Hurricane Deductible- flat 0, 2%, 5,%, 10%, or Excluded coverage

Research Discounts You May Qualify For:

Ask your agent for discounts up front, some companies don't offer them or have discontinued them. Discounts can be applied for the following: protective devices, newer home credit, wind mitigation, type of roof.

1. Protective Devices- Monitored Fire alarm, Burglar alarm, Gated community, guard gated community

2. Age of home- all homes built in 2002 or newer will receive a 68% new home discount on the hurricane-wind portion of your premium.

3. Wind Mitigation Credits- insurance companies are required Homes built after 2001 are automatically given the wind mitigation discount due to building code requirements however homes built prior to 2001 which have added a new roof after 2001 can provide a wind mitigation inspection from the roofing contractor or order a "Uniform Mitigation Verification Inspection" form (1802 form) about -0 the saving can make a big difference in your homeowners annual premium depending on several factors by law to offer Windstorm Loss Mitigation discounts to homeowners that qualify. WLM is the act of minimizing the amount of loss that is caused by wind damage to your home.

4. Roof Type- HIP roof credit provides a substantial credit for the roof elevation type. Thr roof must not include more than 50% of any other type of elevationon any one side.

5. Multi-Policy discounts- offer your auto to your agent to see if you can get a joint policy discount

6. Retired homeowner- over 55 discount

Shop Carriers

1. Use an Independent who has access to many carrier and let them do the shopping for you

2. Ask your agent for an annual review each year to determine any changes or rate options

3. Stay abreast of current rate hikes and what carriers are filing for them

Avoid Carriers who have filed for Recent rate Increase Approval from the State if possible

Allstate- Castle Key Insurance- Castle Key Indemnity has filed for average 17.9%

State Farm- was granted a 14.8 % increase

Royal Palm- granted 21.7%

Citizens-granted 8.4%


How to Procure the Lowest Rates For Florida Homeowners Insurance













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The Aerotrek has two specific types, which is a tricycle gear known as the Aerotrek A240, and the previously known Eurofox tail dragger Aerotrek A220. While the other models of light sport aircraft are admirably more advantageous than most airplane types, the Aerotrek has several advantages that make them a favorable choice for neophyte fliers.


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Aerotrek: One of the Best Light Sport Aircraft Around



One major advantage is this aircraft's folding wings, which is fit for those who took sport pilot training. Storage for an aircraft can take a lot of space, but what if there was a type of plane that can be stored neatly in a smaller space than what is necessarily required? This is what the Aerotrek tries to solve, with its easy-to-fold wings. This space-saving factor even allows the owner to transport this aircraft, which is a feature that is unique only to Aerotrek.



Aerotrek: One of the Best Light Sport Aircraft Around

The Aerotrek also has high wings, which allows for easy entry. Aerotrek wings are also made of aluminum with composite edges, wingtips, and flaperons. Repair time and inspection is minimized with the wings because there are no complicated components hidden inside.

Another advantage of the sport pilot aircraft Aerotrek is that one can get them at a very affordable price. These aircraft are usually less than ,000, and that already has accompanying insurance.

Aerotrek planes used in private pilot instruction also have a great and roomy cockpit that allows for good visibility, easy entry, and plush seats to make your trip a lot better and comfortable. Aerotrek also has a cock-pit controlled oil cooler flap, which will allow you to keep operating the engine smoothly even at colder temperatures.

With an Aerotrek, you can also experience easy take-offs and landings, thanks to the wide landing device that keeps take-offs, taxiing, and landing for Aerotreks. The strength and durability of Aerotrek planes have been tried, tested, and found to be completely of good quality. This is because the aircraft has a chrome-steel fuselage, and uses a durable U.S. aircraft fabric for easy repair.

For those who want to enjoy the light sport aircraft in other ways, such as admiring the view, the Aerotrek can fly even with the doors opened during flights, as long as you are flying at low airspeeds. With the doors off, you can easily take photos of the good view or enjoy fresh air as you cruise on the air.


Aerotrek: One of the Best Light Sport Aircraft Around













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First, we will divide the total cost of ownership into two sections; the first section will be the indirect cost, and second section direct cost.


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Calculating Airplane Ownership Cost



INDIRECT COSTS



Calculating Airplane Ownership Cost

Indirect costs are the costs that you will pay whether or not the airplane flies. These expenses include the purchase price of the airplane (or monthly payments), insurance, tie down or hangar fees, subscription fees, taxes, and tax benefits.

Let's start with the first indirect cost I mentioned, purchase price or capital cost. This is one of easiest expenses to calculate. If you finance the airplane, get a quote from the bank on the down payment required and interest rate. Currently, rates are approximately 6% with a minimum of 15% down and 20 year financing. As an example, if you put 20% down on a new DA40XLS priced at 0,000, your monthly payment would be just over ,000 a month over 20 years.

To calculate insurance fees, call your insurance agent and obtain a quote for the airplane you are considering purchasing with your experience level.

Hangar fees and tie downs are self explanatory. Call the airport or FBO where you want to base your airplane and ask what options are available. Usually there are about four choices: tie down (leaving your airplane outside in the elements), covered (airplane is outside in the elements but has a shade covering), hangar in common (airplane is constantly moved around in a large hangar shared with several other airplanes), and finally an individual or T hangar. At many airports hangar space is scarce so don't be surprised if you end up on a waiting list. Hangar prices vary according to your location. My T hangar in Concord, NC costs just north of 0/month while that same hangar in Fort Lauderdale would cost well over ,000/month. If you keep your airplane outside, please be sure to at least cover it. It will protect the interior and the avionics. Also, keep in mind that some insurance companies will lower your premium if you can hangar your airplane rather than keep it on tie downs.

Subscription services may not apply to you. If you own a J-3 cub, you can skip to the next paragraph. Almost all aircraft manufactured after the early 1990s offer an IFR GPS. If you have an IFR GPS, you will need to subscribe to a monthly update to keep your database legal to navigate solely by GPS and shoot GPS approaches. If you have XM weather, you will pay around /month for the basic subscription or /month for the full package. The winds aloft feature on the full package is more than worth the additional cost to get it. XM radio is additional. If you own a glass panel airplane, you may opt for Garmin's safe taxi charts and/or approach plate services. Visit http://www.mygarmin.com for cost information. Jeppesen also offers approach plates for glass cockpit airplanes. This service requires an initial upfront cost to install and a higher monthly payment, compared to Garmin's approach plate services.

Unfortunately taxes do not disappear with airplanes, with the exception of tax exempt corporations (see an aviation tax consultant for more information to see if you qualify). Taxes vary from state to state. In Florida, it is 6% of the purchase price. In North Carolina it is a flat tax of ,500. North Carolina, however, charges property tax which varies by county and by city. Where I live in North Carolina, the airplane property tax rate is around 63 cents per 100 dollars, and I have a city tax of 42 cents per 100 dollars. If you use the airplane for business, you may be able to depreciate the use and cost of the airplane which benefits your estimated cost of ownership. Please consult with an airplane tax specialist to determine your individual situation.

DIRECT OPERATING COSTS

Calculating the direct operating costs is a little trickier. There are different ways of calculating what it will cost you each hour to fly. My method is just one method, but it works. Here you need to decide on how many hours you plan on flying a year to establish an annual base budget.

Let's start with the basics. Most pistons engines will require an oil change every 50 hours. Depending on where you live, a standard oil change will cost between 0 to 0. Call the local mechanic on the field and find out what he charges. If you plan on flying 100 hours a year, the math is simple.

Fuel consumption varies according to different aircraft. You can usually visit a manufacturer's website or consult the POH to get the cruise fuel burn. If you are flying an aircraft with a worn out engine, consider the published fuel burn to be the best case scenario (which often is not the case). Find out what avgas costs at your local airport and do the math. Keep in mind avgas prices vary

Engine and propeller reserves are calculated into the equation even if you own a low time or new airplane that you plan on selling long before overhaul. You can usually get a quote from a local FAA engine repair station on the cost of overhauling your engine or on the cost of installing a factory remanufactured engine. Take that price and divide it by the hours remaining till TBO and you will get an idea of how much you need to put away each hour. If you plan on buying a twin, double the fuel, engine and propeller costs.

Scheduled maintenance is another cost worth planning for. Every year your airplane will be due for an inspection. Again, prices will vary depending on where you do your inspection. Shop rates in South Florida average /hour, while in North Carolina they are around /hour. Call a service center familiar with your airplane and see what they charge for a standard annual inspection. Keep in mind that the price they quote you doesn't include squawk items, airworthiness directives, service bulletins or regulatory replacement items. These are extra costs. If your airplane is still under warranty, then you shouldn't expect any surprise repair bills when you pick your airplane up. A safe bet for budgeting additional expenses for an airplane out of warranty is to double the price of the annual inspection fee; this budgeting will cover almost any unexpected surprises that may occur during the year. You may also consider a reserve for paint, interior, and avionics upgrades in which case you will want to put away a little extra.

Finally, you will need to determine what your airplane will be worth if and when it comes time to sell it. Airplanes typically stop depreciating after 5 years. Like cars, their depreciation rates vary. Companies such as Vref and Aircraft Bluebook offer retail pricing and trade-in pricing.


Calculating Airplane Ownership Cost













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Why Should You Avoid Over-Regulation?


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Real Estate Law: Why a Florida HOA Should Avoid Over-Regulating and Tips for Handling Violations



According to one prominent Florida HOA attorney, an HOA that over regulates is just as bad as not enforcing the rules laid out in the governing documents. It's not a good idea to have the mentality that all violations are the same, sending out notices for each and every one. This will effectively dampen the spirit of your community. Remember, the purpose of the HOA is to foster a community and maintain property values. The association should be a pleasant place to live, not a place overseen by a board that practices unreasonable enforcement of the governing documents.



Real Estate Law: Why a Florida HOA Should Avoid Over-Regulating and Tips for Handling Violations

The Florida Fair Housing Act also prohibits many types of discrimination against, for example, families with children under 18 and the disabled. Discrimination based on race, age, color, gender, national origin and religion is also prohibited. While your association may not be attempting to discriminate, an owner may feel you are doing so if they feel they are being unfairly targeted for minor infractions other owners don't get in trouble for. You're also required to make reasonable accommodations for the disabled. If you are trying to fine a disabled homeowner for owning a pet recommended by a doctor for therapy, you may find yourself facing litigation or discrimination claims under Florida's Fair Housing Act, which resembles the federal law.

Still, vigilance is a good thing, as it means violations won't go unchecked for long periods of time to the point they become a nuisance to others. It also allows the board to watch out for potentially harmful conditions that need to be addressed. Enforcing the rules of a Florida HOA should be seen as a balancing act, though, to maintain the spirit of the community. One option is to make inspections routine. These scheduled community-wide inspections are a good way to watch for problematic violations and may take place every 6 weeks or so.

Tips for Handling Violations

Ask any Florida HOA attorney about condo law and practices and they'll tell you that you can't simply ignore violations. There are some times when it's best to give the owners time to fix the problem themselves. Enforcement should be reasonable, so decide if the violation requires immediate action or if a letter is really required. Has the problem happened before with this owner? Is it a minor, one-time or temporary occurrence? There should be gradations of violations with specific ways to handle violations.

Make a Phone Call: It's also important to remember that people get defensive when they're contacting by their HOA board. Some owners may feel they're being targeted by this contact as well. One option is a phone call to the owner, letting them know you noticed the problem and want to know if there's a reason for it because you don't want to run into complaints from other owners.

Make Your Inspections Routine: As mentioned above, it may also help to create scheduled inspections throughout the entire community that occur every 6-8 weeks. This way, the association can watch for violations that may cause problems without pushing away owners.

Explain Your Violation Process: Finally, it's a good idea to fully explain the process of hearings and any applicable fines when you send a notice to owners. Every Florida HOA should give owners enough time to fix the problem by themselves, perhaps letting them know there will be a follow-up inspection in 3-4 weeks. Board members that notice violations may also want to contact the management as if they were any other owner in the community, which gives all board members an opportunity to review the problem and decide whether a notice is necessary.


Real Estate Law: Why a Florida HOA Should Avoid Over-Regulating and Tips for Handling Violations






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