Alimony Lawyer & Spousal Support Attorney Information

March 11, 2010

Insurance Quotes for the Growing Company

Filed under: law — Tags: , , , , , , , , , , , , , — John Bellafonte @ 1:43 pm

As a business starts out it needs many things. These can include equipment, employees and most importantly a place to conduct business such as an office building or warehouse. All these things have one common denominator, they all must be covered by some type of insurance, whether it is liability, property or workers’ compensation insurance.

Property insurance is another form of business insurance and can include more specific sub types like machinery insurance, business interruption insurance, and crime insurance just to name a few. The type of business will determine your specialized insurance needs. In general, property insurance protects against personal and/or real property losses or damages.

Virtually every business relies on equipment to keep business going. Machinery insurance which is sometimes referred to as “equipment and machinery breakdown” coverage, limits exposure for unintentional breakdown of mechanical equipment. Coverage is provided on equipment damage and can also include consequential loss and business interruption maladies. Crime indemnity on a business insurance policy covers things like burglary, break-in, and theft of money, securities, stock, and fixtures from employees and outsiders.

Standard liability coverage is needed particularly to cover a business against injuries or accidents that happen to the general public on their property. This can be anything from a simple trip over a wrinkle in a carpet to their car being hit by a cart in the parking lot. There are many more specialized types of liability insurance available and an agent can assist in choosing each correct one for the particular type of business.

E&O or Errors and Omissions insurance can cover accidental injuries to other people. Whatever the accident may be, it must be unintentional and not just a lapse in judgment, such as a doctor practicing without being covered by malpractice insurance. The coverage for this type of policy may cover all damages and the legal expenses as well.

Workmen’s compensation insurance needs to be provided by all employers for the protection of the employees. This will cover any accidental injuries to the employee while performing their day to day duties on the job. This also will provide coverage for any illnesses incurred while at the work place such as allergic reactions to something in the area.

The laws in many states require that some type of workmen’s compensation insurance be provided for employees of any company. The law does vary from state to state though, on how much needs to be paid out and what benefits are required to be provided. The insurance agent writing the policy can provide much more detailed information as they are trained in the various state laws.

No matter the type of business that needs insurance, one thing is certain, it is more a necessity than a luxury. The agent handling the policy can insure that the amount and type of coverage is exactly what is need for whatever type of business it may be. They can assist with custom building a policy to fit all the scenarios and legal requirements.

If you would like to obtain an insurance now or if you are searching for more useful information just visit this website, click here for: insurance quotes! You are welcome to reprint this article – but get your own unique content version here.

March 8, 2010

Things Real Estate Agents Don’t Want to Hear When They Call Tech Support

Filed under: Uncategorized — Tags: , , , , , , , , , , , , , , — Peter Y. Zanthian @ 12:27 pm

I’ve been teaching real estate agents how to leverage technology in their businesses since the early days of DOS and when mobile phones were called Car Phones because they had to be bolted to your automobile because there were no batteries small enough to carry around or antennas that didn’t require a windshield to be suction cupped to. One of my crowning achievements was to work for the company that literally introduced the laptop computer to the real estate industry. Back then it weighed about ten pounds, had a monochrome screen and a hard-drive smaller than what an iPod Nano can hold today. A lot of things have changed since then.

However, it’s the tech support that seems to have withstood the tests of time and the individuals there aren’t any better. Did you know that everytime you have a problem with your Real Estate CRM program the technical support people usually have no idea how to resolve your issues? I have two slides in my PowerPoint presentation that talks about all the irritating things technical support people say and ask. The titles are: “Do you have a brick or a sledgehammer handy?” and “Please hold for Mr. Gate’s attorney.” I have several others, but we’ll save those for the live seminars in your area.

The truth about tech support, especially as it pertains to real estate software, is the fact that almost none of the people you call have actually used the software you are calling about. In fact, it would be safe to say that NONE of them have ever sold real estate. In other words, the people you are calling don’t know how the software “works,” they just know how to handle error messages. It’s this little subtlety that is at the core of so much dissatisfaction with technical support for programs like Top Producer and AgentOffice. Here’s an example: you are trying to do a mail merge in the word processor for a group of contacts and every time you click the print button you get one letter and then the printer stops. After three or four tries you finally call tech support to find out what is wrong with the software. After a few minutes (or hours) on hold you finally get to speak with a technical support person who takes you through a series of questions like: “Does this happen when you use other programs to perform a mail merge?” to which you answer, “I don’t know, I don’t have another program that performs mail merges.” They then take you down a rabbit hole of different diagnostics with your printer only to discover that there’s really nothing wrong with your printer. After another hour of running checks on the software you are informed that there doesn’t appear to be anything wrong with the software either. I even remember one particular customer who was told by a tech support person that, “Maybe you shouldn’t try to use it to do mail merges!”

What it comes down to is you have an educational issue as opposed to a technical one. A great example of this is when you try to print out your Real Estate Contact Management list and it was prepared in a form letter as opposed to something else. Usually it’s the smallest issues that end up creating the big problems. Taking for instance when you tell the Real Estate CRM software to print “to the contact” not “to the group.” Unfortunately most of the tech support people don’t even know this is a problem when you prepare a mail merge. They will however make you feel like an idiot and that everything is your fault.

Can you believe you have to pay for all this nonsense? Top Producer claims your tech support is free, but they charge you $39 a month to use the software. AgentOffice on the other hand will give you 30 days free, but once this is over and a problem comes about, you have to pay $295. This is the cost of the entire program!

My point here is, if you just take the time to get trained on the program you purchase, life with Real Estate Contact Management software will be much easier. Just think of it as a good health strategy. After all, an ounce of prevention is worth a pound of cure. If you take this route you won’t have a tech support person say; “We can fix this, but you’re going to need a knife, a roll of duct tape and a car battery.

If you are in need of Agent Office Software than look no further then AOExperts.com. AOExperts.com are expert in the field of Agent Office Support .

March 2, 2010

Easy ways for Condo Associations to lower costs

Filed under: law — Tags: , , , , , , , , , , , — Chris Lim @ 10:04 am

Unused Amenities – Cut back or close unused amenities. Close the pool during winter months when no one is using it. Reevaluate the hours of the fitness center. If people are truly not using the the services they will not mind if they are cut back. They will also appreciate the saving.

Memberships – If the Gym is nice enough you can sell memberships to the local community. at $40 a month 100 memberships would bring in an extra $4000 per month. Set it up as atomatic payments and many people will keep the membership long after they quit using it. You can also charge quest fees.

Sell advertising – Sell advertising in the newsletter, in common areas and on the website. One easy way to sell advertising on the website is through Google adsense.

Landscaping – Many developers only look at the initial landscaping cost and not the cost of maintenance. When replacing landscaping be sure to look at the recurring costs.

Collect Monies Owed. Past Due fees can hamper a condo association. You can often hire an attorney to handle collections for a percentage of what is collected. Attorneys may even be able to recover attorney fees.

Insurance Claims – If in the last five years your association had to get a loan (like those from SBA or FEMA) for repairs (Storm, Hurricane, Natural Disaster, Tornado or any accident) your regular condo attorney many not be enough. Contact an attorney who focuses on insurance claims. Many insurance companies deny underpay insurance claims. Many times the law states that the insurance company has to pay the legal fees. Moreover, many attorneys will handle insurance claims in a way that no funds will be out of pocket.

Rehabilitate instead of Replace. Copper pipes can be restored to better than new condition with epoxy pipe lining from CuraFlo. It is generally 30% cheaper than re piping and is much less obtrusive. RLS Solutions offers sewer rehabilitation which can increase their life and save on costs.

Property Manager – Get a property manager who is experienced in lowering costs. A property manger with experience will also know which contractors come in on budget and which ones have a history of not competing jobs on time.

Chirs Lim is one of the orlando lawyers who can help you with Florida condominium law. Internet Pr Advertising by Net Advertising Group

February 23, 2010

When To Utilize Court Action For Eviction For Non Paying Tenants

Filed under: law — Tags: , , , , — Harry Carr @ 12:56 pm

Using property for rentals is a good way to supplement incomes unless the renters are refusing to pay the monthly rent. If you own rental property and are having difficulties getting the money owed to you, it may be necessary to file a court action for eviction.

Most landlords will give their tenants ample opportunities to catch up on the amount owed before taking the needed steps. Tenants are great at coming up with excuses for non payment and will in most cases end up living in your property for several months without paying a cent. It is necessary to remember this is still a business.

Regardless of how much money is owed to you there are procedures to take for your protection. Do not under any circumstances remove their property, change any locks or disconnect utilities. If you do any of these while the tenant is still in a residence they can ultimately file a lawsuit against you. Resulting in not receiving past due rent, but also possible owing them money.

If you have taken steps to evict through the court, it is important to not take any form of partial payment from tenants. Any money accepted will cause the court actions to come to an immediate halt as it will be viewed as you are in agreement to allowing them to remain in the residence.

If you intend on including late fees as part of the amount owed in a lawsuit, it is important this fee be noted clearly in the lease that has been signed by you and the tenant. Make it as specific as possible, for example include if the rent is not paid in full on the first of each month there will be a fifty dollar late fee. Or you could charge a small fee such as five dollars for each day past the third of the month.

It is also necessary for you to meet with the renters in person and present them with a statement of the amount due. If you do not receive a response and the occupants are one month behind, this is when the initial court papers should be filed.

In many states it can take as long as six months to remove a tenant.In many states the landlord can deliver a notice giving the tenant three days to vacate. If they remain a sheriffs deputy will deliver the occupant a notice that they are being served with court action for eviction. Even if they move out, follow through with the court appearance to avoid any actions that may be taken against you for entering the property should the occupants also appear in court on the scheduled day.

Do you need to learn what the Court Action for Eviction is? Head to the following link for the information you need http://www.landlordangel.co.uk/ today.

February 21, 2010

Illegal Eviction And The Rights Of Tenants

Filed under: law — Tags: , , , , — Harry Carr @ 4:07 pm

You’re way behind on your rent and your landlord is now talking about eviction. Just as landlords have legal remedies for non-paying tenants, tenants have legal rights to prevent an illegal eviction. In the UK the only legally permissible way for a landlord to evict a tenant is through a court order.

Should the landlord decide to initiate an eviction, he must follow a legal process. This means he must take the tenant to court, lay out the facts of his case, and win. But that isn’t the end of it. He must also get a sheriff to carry out the actual eviction. By law, no other process is acceptable.

In fact, regardless of amounts of money owed by a tenant, and even if a tenant is causing ongoing havoc and harm to an apartment, landlords must procure a court order to effect eviction. This is an absolute. He may not proceed without one.

Landlords are in no way allowed to harass or threaten physical force against tenants. Nor is he permitted to change the locks (without giving tenants a key) or turn off utilities, like electricity. This holds true no matter whose name the utilities are in.

And by no means is any landlord permitted to remove any tenant or personal property. Making attempts to empty the apartment or confiscate items is illegal. The old threat that you will come home to find your stuff out in the street, is simply not legal. No landlord has any legal right to do this. If this or any other aforementioned prohibitions is violated, legal counsel should be sought by tenants immediately.

Tenants who can prove illegal evictions or attempts at one will win the case no matter what the intentions of the landlord. The tenant will be awarded either monetarily or by being reinstated as legal occupant of the apartment.

Get more information about how you can address illegal eviction issues fast! There are some simple steps that will help you avoid illegal eviction problems and get your property back on the market quickly!

Conveyancing for Sellers

Filed under: law — Tags: , , , , , — John Tighe @ 3:56 pm

Below we’ve set out the steps in the conveyancing process for sellers:

OFFER TO EXCHANGE

1. Decide on your firm of conveyancing solicitors and instruct them

2. Your conveyancing solicitors will send you a client care letter, which you should sign and return, together with proof of identity and details of your current mortgage

3. Your solicitors will send you:

- Fixtures, fittings and contents form

- Property information form

- Leasehold property information form (if applicable)

With help from your solicitors if necessary you should complete these forms and return them, along with:

- guarantees relating to building work if applicable

- copies of building consents and planning permissions granted

4. Your solicitors will obtain your:

- Title deeds

- Land Registry Office Copies

If you have a leasehold property they will contact your management company to request:

- service charge accounts for the last 3 years

- estimated costs for the next 12 months

- building insurance details

- a copy of the lease

5. Your conveyancing solicitors will draft the sale contract (which remains subject to negotiations)

6. Next they prepare the contract pack and send it to the buyer’s conveyancing solicitors

7. Your solicitors (with help from you) will answer questions from the buyer’s solicitor about the contract pack and contract negotiations (if any) will take place

8. The parties, through their solicitors, will negotiate a target completion date, which will be added to the contract

9. The buyer’s solicitor will complete any outstanding searches and enquiries. Once these are done and the contract is agreed everything is ready for exchange

10. Copies of the contract are sent to both buyer and seller. These should be signed and returned to their respective solicitors

11. The solicitors will then “swap” the contracts – this is the exchange part

12. At the same time, your solicitor will receive the buyer’s deposit, which will be held on your behalf, pending completion

There is now a legally binding contract. The buyer may lose their deposit if they walk away now unless they were misled into entering it

COMPLETION

1. Your conveyancing solicitors will confirm the redemption payment required to pay off your current mortgage

2. The transfer deed (TR1) for your property will be sent to your solicitors by the buyer’s solicitor. Once they have checked it they will send it to you to be signed and returned to them

3. Completion day. Your solicitors will be sent the balance of the purchase price by the buyer’s solicitor and will then:

- send the title deeds and transfer deed to the buyer’s solicitor

- pay your lender the redemption payment to clear your remaining mortgage balance

- pay themselves

- pay the balance to you

Once payment has been received and the mortgage redeemed your conveyancing solicitors will confirm to you that it is safe for you to hand over the keys to the buyer.

Well done – you’ve now completed!

Click here to find out more about conveyancing solicitors. And click here for a FREE, instant conveyancing quote.

February 19, 2010

Learn About The Eviction Of Private Tenants

Filed under: law — Tags: , , , , — Harry Carr @ 4:12 pm

It is never nice to remove people from their home, but unfortunately the eviction of private tenants is a necessity. Under the law, it is possible to instigate a legal process to remove the problem tenant, and whilst it may take some time, if should hopefully be relatively smooth.

The first thing to be certain of is that the rental agreement includes clearly laid out rules and regulations; the breaching of which will result in eviction. Such things to include here are damage to property, failure to meet bills, and failure to pay rent.

When an eviction is decided, it is necessary that the private tenants be advised immediately through a formal notice. This should set out the reasons why, the date the property is to be vacated, and advice that legal action will be taken if necessary.

Notices issued will vary depending on the reason, so a lawyer should advise here. One copy of the notice should be sent to the clerk of the court. A fee will be charged here, so this needs to be added to any monies due from the tenant.

With the copy to the clerk, there should be all evidence pointing to why the decision has been made, along with the rental agreement which has been signed by both parties.

If the tenant has not left by the date given in the notice, the local sheriff or a private process server should be instructed to serve official summons. A copy of this should be filed with the clerk of the court, and a court date issued.

The eviction of private tenants from this point will rely on the court, though a counter claim could be started by the tenant. If the case goes to court and finds in the landlord's favor, the sheriff can carry out an eviction accordingly.

Learn how easy it is to address eviction of private tenants when you visit http://www.landlordangel.co.uk/ today! All of the information, details and forms that you need to take control of your property fast!

Your Steps To Evict A Tenant

Filed under: law — Tags: , , , , — Harry Carr @ 11:30 am

When you own property that you rent out then you may need to evict a tenant at some point. This process may seem a bit overwhelming but if you know the process then it won’t be so scary. Evicting a tenant may not be your favorite thing to do but it is n necessary at times so you should be prepared. There are certain steps to evict a tenant and you need to learn what those are.

There are really specific steps that you will need to take in order to evict a tenant. You first need to understand when you are allowed to evict. The first is when there is nonpayment of rent. This is the most common reason for eviction.

There are only certain reasons that you can evict someone. The first is if they just have not paid rent. The second situation is if they break the term of the rental agreement. The third reason is if they are being unsafe or unhealthy around the other tenants on the property.

If your tenants break one of these rules then you have reason to evict them. You will need to first give your tenants a written warning so that they are aware of the problem and this allow them an opportunity to fix the problem if possible. Many times they do not, though. Do not be surprised if this step does not salve the problem.

After this step, each state has a different rule for action. Many times the tenant will protest the eviction and this can really drag out the entire process. You should really contact a professional before you go any further. You may want to hire a lawyer for advice.

When you are evicting a tenant then you must follow these steps. The best thing to do is to locate a good attorney and have them help you. It is best to get help so that you can evict them correctly and quickly.

There are many landlords looking for the proper Steps To Evict A Tenant. If this is you, go to http://www.landlordangel.co.uk/ to learn about all the dos and donts.

Discover Rent Arrears & Eviction Procedures

Filed under: law — Tags: , , , , — Harry Carr @ 11:23 am

Court procedures could be a necessity for rent arrears & eviction. There are two kinds of procedures that are commonly used.

One proceeding is a notice with the court order on it. In the other proceeding, before a judgment can be made, a hearing has to take place. Trying to evict someone without a court order is unlawful.

Do not rely on promises of payment or estimated leave dates made by tenants. If the promises are not kept, severe financial loss can occur.

Notify tenants that there is certain amount of time for them to pay or leave. When the notice expires, do not hesitate to seek legal proceedings.

The fast track court proceedings are only allowed in certain situations. A written lease agreement must be on file, assured shorthold tenancy, a valid form of section 21 notice has been served and the two month time limit in the notice has expired. Send a copy of your records to the court.

To evict someone due to arrears on rent, several requirements include: two months behind on the rent or a total of the same, serve a ’section 8′ notice using the required method before issuing proceedings, the notice period of two weeks must have expired and use the normal possession proceedings.

When trying to choose which method to use, consider the following.

If the paperwork is right, a tenant cannot stop you obtaining possession under the shorthold ground. The accelerated procedure will not allow you to claim rent and get a monetary judgement. If a tenant gets the rent caught up, you cannot evict them on the grounds of past due rent.

File a section 21 notice if you want the tenant gone. There is a longer waiting period for this process.

The first proceeding is better if the tenant plans to file a claim for poor property maintenance.

Getting a monetary judgement is almost impossible once the tenants have left.

If you’re sure that the tenant will stay employed, you can choose the fixed date procedure. A fixed date procedure will have to be used if rent is not being paid and there are several months left on the lease.

If you are a tenant living in a rented apartment or house, you will want to make sure that you know all you can about Rent Arrears & Eviction – learn more at http://www.landlordangel.co.uk/

How To Write Eviction Letters For Tenants

Filed under: law — Tags: , , , , — Harry Carr @ 7:52 am

Do you have an awkward tenant, one that us not respecting your property or a tenant always in arrears? This may be a case for eviction, but before demands are begin to be made, always ensure that you adhere to the laws set so as not to put yourself up for scrutination yourself when sending eviction letters for tenants.

Abiding by eviction laws is very important when following through an eviction process, you must protect yourself. If the tenant set up for the contract is monthly, then ninety days notice must be provided for them to vacate the property. Should the tenant refuse to leave, you are well within your rights to take the matter to court.

Start the letter with your own full name, address and you personal or business phone number. Never leave off the sending date and address it to your tenant by their full name. Finally, sign it off with your name typed or written and signed in ink, whether the rest of the letter is hand written or not.

Always ensure that the letter sounds professional and never colloquial in any shape or form. It is vital that this letter is to be taken seriously so will sound professional if it ever needs to be read out in court.

By running a very simple search on the internet hundreds, if not thousands of results will come up for writing eviction letters for tenants. Some may place a charge for writing these letters for you but some will also send the letters out, follow up responses and even deal with a potential court case for you.

There are multiple websites on the internet that offer the above services all for free. You can usually either download them and print them yourself, or you can customize them before printing a copy for yourself. Always ensure that the letter is sent out on good quality paper and is sent by recorded mail.

If you have a problem tenant that you need to get rid of, you may want to find Eviction Letters For Tenants or an Eviction Letter For Tenants to solve your problems.

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