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University of Cape Town: Fairwork report highlights precarity of work in the gig economy
AcademicsInternational NewsUniversity News
By iednewsdesk On Jul 16, 2021
Fairwork, a collaborative project involving the University of Cape Town (UCT), released its third report on work in the gig economy in South Africa on 8 July 2021. The report presents a set of scores that evaluates gig economy platforms such as Uber, SweepSouth and Mr D Food against a set of fair work standards. UCT's partners on Fairwork are the University of the Western Cape (UWC), the University of Oxford and the University of Manchester.
Fairwork South Africa Ratings 2021: Labour Standards in the Gig Economy highlighted the precarious nature of work in the gig economy. While this situation was exacerbated during the COVID‑19 pandemic, the report also noted some positive developments. Professor Jean‑Paul van Belle of UCT's Department of Information Systems welcomed panellists and attendees to the virtual launch of the Fairwork report.
"Work in the gig economy is often unsafe and insecure. Workers lack protections afforded to regular employees and are vulnerable to unfair practices like arbitrary termination, often based on inequitable regimes of customer ratings. It is important to understand and highlight unfair labour practices in the gig economy, and to assist workers, consumers and regulators as they hold platforms to account," said Professor Van Belle.
Five principles
Based on Fairwork's ratings of 12 digital labour platforms (Uber, UberEats, Bolt, inDriver, MrD, Droppa, PicUp, getTOD, SweepSouth, NoSweat, M4Jam, SecretAgent) against five global principles of fair work (fair pay, fair conditions, fair contracts, fair management and fair representation), getTOD – a platform for booking tradespeople – topped the 2021 table with nine out of 10 points.
M4Jam (a platform connecting brands to an 'on-demand workforce'), SweepSouth (predominantly a home-cleaning booking platform), and NoSweat (a freelance and permanent placement platform) were tied in second place with eight points each.
"We cannot allow gig workers to assume unreasonable safety challenges simply because they need to make a living."
"Personal safety continues to be an issue for many gig workers in South Africa," said Pitso Tsibolane, also of the Department of Information Systems.
"Workers in the e‑hailing and food delivery sector are particularly vulnerable to theft, violent crime and hijackings. Women workers face additional threats of sexual violence. We have seen a number of platforms start to take this seriously by introducing personal insurance, panic buttons and women‑only services. But more can be done. We cannot allow gig workers to assume unreasonable safety challenges simply because they need to make a living."
Positive developments
"This year, we are pleased to highlight platforms that have embraced their social responsibility and proactively addressed the economic impact of the pandemic among their workers. This includes [instituting] educational opportunities, food vouchers and financial COVID‑19 hardship funds," said Dr Louise Bezuidenhout of UCT's Department of Information Systems.
Fairwork has also launched the Fairwork pledge, which can be found on their website. The report highlighted some positive improvements during the COVID‑19 pandemic. These included SweepSouth's public commitments to equality, diversity and collective bargaining, and the alignment of getTOD's terms and conditions with South African rather than British legislation.
"An employee doesn't have to be full-time."
The panellists who responded to the report included Professor Paul Benjamin of UWC, Michel Hanouch of the Consultative Group to Assist the Poor (CGAP), Mondli Hlatshwayo of the University of Johannesburg, and Faiza Haupt, an ex-Uber driver and organiser.
Fairwork
Asked to comment on the current challenges for the classification of platform workers in South Africa, Professor Benjamin said, "Virtually all digital platforms that place workers have adopted the view that their workers are not employees, but some sort of client."
Benjamin stated that for "traditional categories of work like domestic work, there's no doubt that those platforms should be treated as temporary employment services".
"There is very little opportunity cost to being an employee, as opposed to being an independent contractor. An employee doesn't have to be full‑time. An employee can be part‑time and work flexible hours. The underlying issue is that people who want to be independent contractors might actually want to avoid [pay‑as‑you‑earn tax] deductions. When deconstructed, workers are not better off by being independent contractors."
Digital labour platforms hold the potential to reduce South Africa's unemployment and inequality, with an estimated 30 000 workers engaged in location‑based platform work such as taxi driving, delivery and cleaning. Growing numbers of South Africans find work in the gig economy, and digital platforms are frequently heralded as a solution to mass unemployment. However, the employment challenge facing South Africa is not simply the quantity of jobs, but also the quality of the jobs being created.
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GeoHECRAS Update: December 28, 2017 Release
December 28, 2017 /in General, HEC-RAS, Software Updates /by Chris Maeder
Dec 28, 2017 Release
We are pleased to announce a major new release that contains numerous new features, enhancements, and functional fixes for GeoHECRAS. Many of these items came from receiving valuable feedback from our users.
This new release took much longer than we expected, as the 2D modeling capabilities that we added to GeoHECRAS was a "heavy lift" for us. However, the 2D modeling capabilities that we included are "best in class", far exceeding the capabilities contained in HEC-RAS 5.0 and other commercial 2D modeling software. A description of these capabilities are provided below. For example, we have improved on the 2D meshing capabilities of HEC-RAS, allowing the 2D mesh that GeoHECRAS creates being more stable and much more computationally efficient. In addition, unlike other 2D modeling software, minimal user interaction is required while constructing the mesh—because the software automatically detects and fixes any "bad" or "poorly formed" mesh elements during mesh construction.
As you start to explore these new features and enhancements made to the software, please provide feedback. I will guarantee you that we will take your suggestions to heart as we continue to add capabilities and enhancements to this software.
HEC-RAS 2D Modeling
The software now includes the ability to perform 2D unsteady flow modeling and combined 1D and 2D unsteady flow modeling using the HEC-RAS 2D analysis engine. The 2D flow modeling capabilities of the software can be used for:
Combined 1D channels with 2D floodplain areas
Combined 1D channels and floodplains with 2D flow areas outside of the levees
Connect 1D reaches into and out of 2D flow areas
Connect a 2D flow area to 1D storage area with a hydraulic structure
Multiple 2D flow areas in the same geometry
Connect multiple 2D flow areas with hydraulic structures
2D dam breach analyses
2D levee breach analyses
2D bridge modeling (without pressure and bridge deck overflow)
Mixed flow regimes (e.g., subcritical and supercritical regions, hydraulic jumps, etc.)
Adaptive 2D Mesh
In addition to HEC-RAS' default rectangular (structured) 2D computational mesh, the software can also create an adaptive 2D mesh to better represent more complicated 2D flow conditions and structures. The software will automatically refine the 2D mesh when required, such as at a roadway crossing.
2D Mesh Feature Stamping
The software can stamp bridge piers into the 2D mesh. Supported pier shapes include:
Circular pier
Rectangular round nosed pier
Rectangular sharp nosed pier
Rectangular square nosed pier
Square pier
The user can interactively place and rotate the bridge pier relative to the roadway crossing.
Ineffective flow areas can be assigned to the 2D mesh using polylines or polygons. Alternatively, the user can draw ineffective flow areas on the Map View. For example, stagnant flow areas at roadway crossings can be stamped into the 2D mesh to account for the ineffective flow area. The software will automatically refine the 2D flow area to incorporate the ineffective flow area shape.
Conveyance obstructions can be assigned to the 2D mesh using polylines or polygons. Alternatively, the user can draw conveyance obstructions on the Map View. For example, buildings and other structures can be stamped into the 2D mesh as conveyance obstructions to account for flow blockage. The software will automatically refine the 2D flow area to incorporate the conveyance obstruction shape.
Auto Fixing 2D Mesh Bad Elements
The US Army Corps of Engineers HEC-RAS software generates 2D meshes that contain elements that are marked "bad" and that require the user to manually fix. GeoHECRAS will automatically detect and fix these bad elements without requiring any interaction by the user.
Remembering 2D Mesh User Edits
As the user manipulates the 2D mesh by inserting additional elements, moving elements, and other mesh element editing, the software remembers these edits. Then, the next time the 2D mesh is rebuilt, these user-defined changes are automatically incorporated into the mesh.
Assign Land Cover Data as Manning's Roughness
The software can assign either user-defined land cover polygons or National Land Cover Database (NLCD) data as Manning's roughness to cross sections and 2D flow areas. The National Land Cover Database provides land cover data for the entire United States. The software can dynamically download a NLCD raster land cover grid for the area being modeled. Each 75ft x 75ft land cover grid cell represents a specific land type. Up to 20 different land types and corresponding Manning's roughness values are provided.
Flood Hazard Mapping
The software can create a flood hazard map, based upon user-selected criteria. The following analysis result variables can be plotted as a flood hazard map:
Flood Arrival Time
Depth x Velocity
Depth x Velocity²
Flood Duration
Flood Recession Time
% Time Inundated
For the above result variables, the user can define a threshold depth in which the flood hazard map boundary is initiated.
Animated Flood Maps
For unsteady flow models, the flood map can be animated to show how it changes with time. The animation speed can be adjusted, as well as setup to continuously loop. The final animation can be recorded to a video. In addition to animating the flood results, options are available to show the maximum and minimum flood extents.
Velocity Vector Maps
The software can plot velocity vectors on the flood map to represent the flow field for both 1D river reaches and 2D flow areas. The velocity vector length is adjusted to represent the velocity at that point. Velocity vector maps can be created for both steady flow and unsteady flow models.
Particle Tracking Maps
The software can plot moving particles on the flood map to represent the flow field for both 1D river reaches and 2D flow areas. The size and speed of the particle is adjusted to represent the velocity at that point. Particle tracking maps can be created for both steady flow and unsteady flow models.
Google Earth Map Animation
The software can export out the flood map animation to Google Earth. This is helpful for presentations on flood risk assessment and flood management.
Georeference Lateral Structures Command
Additional functionality has been added to the Georeference Lateral Structures command, including the ability to draw a portion of the revised lateral structure alignment polyline and intersect the original lateral structure alignment at two locations to define the change between the points of intersection.
Georeference Storage Areas Command
Additional functionality has been added to the Georeference Storage Areas command, including the ability to draw a portion of the revised storage area boundary polyline and intersect the original storage area boundary polyline at two locations to define the change between the points of intersection.
River Channel Modification Command
The River Channel Modification command allows the user to define a trapezoidal cut into the existing channel geometry. The user can see a profile view of the channel modification along the river, and can either draw the channel bottom, define a channel bottom slope to use, or instruct the software to interpolate the channel bottom between selected cross sections. The user can have the channel modification follow along the existing river centerline, or select a new alignment polyline to use—like when performing stream channel restoration back to a sinuous river path.
After the changes have been added to the river channel, a HEC-RAS analysis can be performed to see what affect these changes have on the computed water surface elevation, depth of flow, velocity, and shear stress. This command can be used by the user in performing stable channel design and for fish waterway and passage design. In addition, bendway weirs and other artificial structures can be easily inserted into the channel to adjust the flow characteristics of the stream, stabilize the channel from horizontal migration, and create habitat areas for fish.
Graphical Editing of Roadway Geometry
The software now allows the user to graphically edit in the Bridge & Culvert Data dialog box the roadway crossing high and low chord geometry. If there is no low chord geometry defined, then the high chord geometry can be moved vertically and horizontally. However, if both high and low geometry are defined, such as at a bridge opening, the high and low geometry can only be moved vertically.
LIDAR Processing
The Process LIDAR command has been extended to allow assignment of a CRS to the processed LIDAR file.
Delete Scenarios
This new command allows the user to select which plans (scenarios), geometry, and flow data to remove from a project. In addition, it automatically compresses the database to shrink the size of the project file.
Additional Map Edit Commands
The following GIS editing commands have been added, allowing the user to manipulate map data:
Edit Polylines
Simplify Elements
Intersect Polylines
Detach Polylines
Distribute Vertices
Edit Polygons
Intersect Polygons
Detach Polygons
Layer Transformation and Registration
Surveyors use a NOAA online software program called OPUS that takes measured GPS grid coordinates from a survey data collector and convert them into local ground coordinates that are corrected for the true shape of the Earth (which is not a perfect sphere). AutoCAD Civil3D provides support for the transformation scale factor in its Drawing Settings dialog box. We have implemented support for this transformation scale factor throughout the software, including CAD layers, TIN layers, HEC-RAS layer (and other layers) Properties dialog boxes, allowing the software to support local ground coordinates.
In addition, the user can manually register a layer's position by providing two coordinate points (i.e., current location and desired location).
Minor Loss Coefficients
Minor losses due to bends, junctions and more can be accounted for in both steady flow and unsteady flow analysis. Minor loss coefficients can vary between 0.0 and 1.0. This loss coefficient gets multiplied by the velocity head at that the cross section it is defined at to compute the minor energy loss. This energy loss gets added to the energy equation for steady flow computations. For unsteady flow computations, the energy loss is converted to an equivalent force and inserted into the momentum equation. In both cases, the energy loss is assumed to act as a force in the upstream direction to slow the flow down.
Internal Changes in WS and EG
Internal boundary conditions can be defined at a cross section, on a profile by profile basis, by defining one of the following:
Change in water surface elevation
Change in energy gradeline elevation
Additional energy head
Known water surface elevation
K loss
What's Updated
Interpolate River Geometry Command Improvements
With this updated command, the user can select an individual river reach or a portion of a river reach when interpolating the river geometry. When dealing with large models with numerous river reaches, the user may only want to work on a single reach or even a small portion of a river reach. The user can now select an individual reach for generating the interpolated river geometry, thereby vastly speeding up the process.
Generate Terrain Command Improvements
With this updated command, the user has more control over the file format that is created and saved. These other file formats can be used in other software. For example, the software now generates a GeoTIFF elevation grid that is more easily shared with other software. In addition, the generated terrain elevation grid can handle large areas than before.
In addition, the command has been sped up by 200% by inline parallel processing optimization. As such, grid limits have been increased to 50,000 x 50,000 cells which generates a 9-gigabyte elevation grid (in under 20 minutes).
When creating terrain models and flood map results, the user can now specify down to one-tenth of a foot or meter resolution accuracy.
Cross Section River Stationing Renumbering Improvements
The Edit River Stations, Node Names, & Descriptions command has been improved to allow the user to select a series of connected river reaches and junctions, and renumber the cross sections and junctions contained along the selected reaches. In addition, the user can select a reference cross section to base the renumbering on rather than only on the downstream most cross section. In that way, the user can reference a known FEMA FIS cross section for performing the renumbering on.
Improved Flood Map Command
With this updated command, the user can select a portion of a river reach for creating a flood map. When dealing with large models, the user may only want to work on a small portion of a river reach. The user can now select a section of the reach for generating the flood map, thereby vastly speeding up the process.
Improved Draw Cross Sections Command
This improved command greatly speeds up the creation of cross sections by automating the process of determining the river station ID, flow lengths, and bank stations. The user can draw cross section after cross section without needing to intercede and define other parameters.
Remembering Data Dialog Box Maximized/Minimized State
The data dialog boxes, such as the Cross Section Data dialog box, allow the user to specify whether to show the cross section plot in the dialog box, or minimize the dialog box so that it is smaller and does not show the cross section plot. The software now remembers this state for each of the various data dialog boxes during the application session.
Build Bridge Opening Command
During the process of designing a bridge opening, the software remembers what was used previously. In that way, it allows the user to more effectively size a bridge opening to a roadway crossing.
Additional CRS Support
Additional coordinate reference systems (CRS) have been added, including Indiana Geospatial Coordinate Systems (InGCS). Also, round tripping of AutoCAD drawings are more fully supported with embedded CRS.
Enhanced Split Polylines command
River reaches can now be split using the Split polylines command. Similarly, cross sections can be trimmed using the Split polylines command.
Editing Polygon Shared Borders
Editing of polygons that have shared borders (or edges) is now supported. Moving a vertex on a shared border changes the adjacent polygons.
Data Grid Improved AutoFill
All data grids (or tables) support complete AutoFill (or sometimes called drag-fill) functionality, as is provided in Microsoft Excel and other spreadsheet software. AutoFill series, like 5-Year, 10-Year, 15-Year, are fully supported.
Enter a value into the starting cell;
Use the mouse to drag the 'fill handle' (the small black square at the bottom right of the start cell) down the column over the range of cells to be filled;
When you drag the 'fill handle' across the range of cells to be filled, the software will automatically fill the selected cells, by either repeating the value in the first cell or by inserting a sequence from the first cell value (e.g., Year 1, Year 2, Year 3, …);
To have the software recognize a series that is not a simple increment by 1, enter the first two values of the series into the first and second cells of a range. Select both cells and again, drag the fill handle across the range to be filled. The software will automatically recognize the pattern from the two initial cells and continue this across the selected range. Using this method, you can get Software to fill cells by increments or decrements of any number (e.g., Year 5, Year 10, Year 15, …).
Conflate Point Data Command
Previously defined point type selection sets are retained. This allows the user to iterate more quickly when developing cross sections from survey points.
Generate Contours Command
This command now has an option to remove redundant vertices. This greatly reduces the size of the constructed contour data while still maintaining the required accuracy.
Date Selection Dialog Box
The date selection dialog box now allows the user to select the current date by clicking a button.
Floodplain Encroachments Command
The user can interactively select the river reach from the Map View. Similarly, the user can interactively select the upstream and downstream cross sections from the Map View for applying Encroachment Method #4.
Display of Bridge Openings & Culverts
The interior of bridge openings is now filled, making the bridge opening more realistic and less like a wire frame object.
Bridge abutments and pier locations can be seen from the 2D view. Similarly, culvert locations can be seen from the 2D view.
Many commands require the user to select the limits for processing, such as generating contours. These commands now remember the last-defined user limits.
AutoCAD Civil 3D 2018 Support
The software supports the new AutoCAD Civil 3D 2018 file format, including display of Civil 3D objects.
What's Fixed
Export HEC-RAS to CAD Command
Loading an exported AutoCAD drawing file into Civil 3D causes the HEC-RAS model data to zoom away from the current view. This issue has been corrected.
Navigate Backward & Forward commands
These commands were not keeping track of the 2D & 3D view modes. This issue has been resolved.
Lateral Structure Creation
There were some issues regarding creation of lateral structures. These issues have been resolved.
Lateral Structure IDs and Inline Structure IDs
The software now maintains the same river stationing nomenclature as used for cross sections. For example, if the cross section river stationing formatting is defined using integer feet, the same is applied for newly created lateral structures and inline structures.
Merging River Reaches
Merging of river reaches sometimes caused issues with cross section river stationing. These issues have been resolved.
Draping of Computed Water Surface Contours in Google Earth
Software was incorrectly draping the computed water surface contours in Google Earth. Now they are written out at their computed elevations.
Allow Negative River Stationing
Cross sections and other river elements now support negative values for river station IDs.
Join the conversation about GeoHECRAS. Follow us on Facebook, Twitter, LinkedIn, and Google+ using #GeoHECRAS, #ReadyToEngineer.
About the Author Chris Maeder
Chris is an experienced civil engineering and software technology leader, with over 30 years industry experience. With proven expertise in global software development, he has built engineering teams that adapt quickly, focus on what's important and, most importantly, deliver. He is a licensed professional civil engineer with extensive experience in water resource engineering. He has performed and supervised engineering projects in urban stormwater drainage, transportation and roadway drainage, storm sewer design, detention pond design, stormwater quality, green infrastructure, watershed management planning, wastewater sewers, water distribution networks, pump stations, FEMA flood studies, bridge and culvert design, bridge scour and armoring, dam failure analysis, seepage and groundwater modeling, and environmental permits.
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In Summer of 2016 we purchased 40 miles of cable system from a defunct RF Cable system, this type of system is one way for transmission of Television. Our vision was to convert it into a two-way Internet system without Television. There really isn't a need for cable TV anymore since it's normally 150+ channels of junk TV when you can buy Hulu for $11.99 and watch what you want when you want to. We were confident it wouldn't take too much time to get the system converted and operational, boy were we wrong.
A half million dollars later and at $25K a month in expenses, a new warehouse, multiple bucket trucks and four employees dedicated to the cable system and over 2 years later it's finally been rebuilt enough that it's finally usable. We have learned a tremendous amount of knowledge about cable which is an entirely different business than Wireless, in fact our cable employees have nothing to do with our Wireless side and we've kept them separate so each side could concentrate on their respective jobs.
In the process Washington Broadband doubled the size of our company employees and also ordered our second 10 gigabit per second circuit. I should point out that the phone company only runs 1 gigabit circuit to the small communities that we now serve with 10 times the bandwidth. Our goal is to make our network entirely two different paths. The new cable 10gbps circuit runs through Goldendale along the Columbia Gorge straight to Portland. The Wireless side of our business has a 10gbps connection over the cascades to Seattle. We're the only Internet company that runs completely divergent paths with such high capacity. This means our uptime will be better than most any other provider as proven last year when Charter went down, we never went down because of our strong belief in redundancy and divergent path Internet backhauls.
To assist in moving large amounts of bandwidth we have laid 7 miles of fiber optic cable from Gleed to Naches and up to the city of Tieton. We have another 5 miles of fiber that will be deployed this summer to Cowiche and into West Valley. The system in the Gleed/Tieton/Cowiche areas is cable for residential and Fiber for businesses. We also have cable up the Nile Valley but we're at least another year or two out from putting that in service. The fiber system will be used in West Valley as we will start snaking through neighborhoods with what's called a GPon fiber to the home system. That system is actually already running, we just need to put up more fiber. I've heard my competitors talk about having fiber, trust me they don't have one foot of fiber but where they connect their Wireless networks. We actually are already on 2500 Pacific Power poles so we actually walk the walk, while they talk the talk.
OK what you've been waiting for, where does the Cable system run? We will be charging the system in four segments, the first is the Town of Naches for which we already have a signed Franchise Agreement. That is the system that is working right now. The next leg will be charging the Gleed system which will happen in a few months. In late Spring we'll have Tieton ready to turn up and into the Fall we'll have Cowiche ready to go. We do have a significant amount of cable up on poles in the North Selah areas where Charter also runs on the same poles. We'd rather spend our time building our network into underserved rural areas first so we don't anticipate adding service to that area anytime soon.
I realize that our first deployments will be where our cable passes by your home or business. We will not be trenching, at our expense, extending to areas we are not right now for about a year. Then we will start installing drops down long driveways, planting more right-of-way poles of our own but for now we'd first like to start seeing a return on our current system. There are some areas where it's not practical to extend cable due to low density houses. For those we will be building fiber fed Wireless radios that will feed these smaller developments with Wireless at much higher speeds than even our current Wireless network can provide.
We're working on the map that will be online and a link placed here within a week. We're SO happy to have this segment of our new system, with Wireless beginning to be an unusable product with all the overpowered home routers and competitors who feel they should interfere as their method of marketing we welcome a sound wired network. We'll keep the same policies of stable pricing and even more consistent speeds that you don't see in the National companies. Our initial pricing will be $39/month for 3 months at 25mbps/down and 3mbps upload or $79/month for 100mbps download and 3mbps upload. This is a $20/month initial discount we are offering through April 1st and then you can decide after that 3 months which plan you wish to stay with. We also have business plans for higher upload speeds and of course fiber optic pricing for larger businesses. Call for that pricing.


Sometimes it can be hard to take care of your health. If you need help, please call us.
University of Maryland Health Partners offers Case Management to members who have had a critical medical event, been diagnosed with a chronic illness, and have multiple illnesses or complications.
✓ We will work with you and your doctors to help you get the services, resources and one-one coaching you may need to better take care of your health.
Answer any questions you may have about your health over the phone. If you want us to visit you in your home or at your doctor's office, we can do that too.
If you think UM Health Partners programs could help you, call UM Health Partners' Member Services Department at 1-410-779-9369 or 1-800-730-8530. TTY users should call 711. We can talk to you Monday to Friday from 8 a.m. to 5 p.m. Or you can email us at healthservices@umhealthpartners.com.
UM Health Partners has Special Programs to get you the health care you need. UM Health Partners' Programs are voluntary and are provided at no cost to you. If you don't want to participate, you don't have to.
The following are possible resources that the case management staff or you may feel will help you. Call us at 1-800-735-8530 if you would like more information about these services.
We want to help…UM Health Partners' Programs are voluntary and are provided at no cost to you. If you don't want to participate, you don't have to. If you think one of these UM Health Partners programs could help you, call UM Health Partners' Member Services Department at 1-410-779-9369 or 1-800-730-8530. TTY users should call 711. We can talk to you Monday to Friday from 8 am to 5 pm. Or you can email us at healthservices@umhealthpartners.com.
It is important to schedule your first OB appointment NOW! This will ensure the healthiest pregnancy possible. Your first prenatal visit should be in your first trimester of pregnancy or within 42 days of enrolling with UM Health Partners.
Blood work to determine pregnancy risk factors If you haven't already, please schedule your first OB visit today!
Every week during the last month Frequency of visits is determined by individual needs and assessed risk factors.
OB Case Management Services are available to help you with your pregnancy care needs.
Connect you to community resources like WIC; Substance Abuse Programs and classes in Childbirth Preparation, Breastfeeding, and Newborn Care.
If you have any concerns about your pregnancy, or problems accessing care, please call our Member Case Manager.


Painting-Doors-Decks-Fences-Windows-Framing-Drywall-Carpentry-Tile-Additions-Kitchen-Bath-Basement Remodels-Lighting-Faucets-Insulation-Handyman for any size project or restore. The two-piece stone chair rail that runs at the prime of the half walls and around the window is spendy, but it surely contributes extra in appearance than its $25 per linear foot value. If it isn't already clear, we're a house-remodeling contractor in Farmington Hills, MI that is obsessive about wowing" our customers!
We have the coolest deck within the neighborhood because of Scheff Design & Remodeling. The common mission value varies depending on the dimensions of your kitchen, the quality of supplies, and whether or not you alter the format of the room. Every single day, our development supervisor visits the job to make sure quality and deal with any points that may come up.
Although this new toilet is a bit smaller due to additional plumbing walls, it appears bigger. This project, requires adding a 24-by-16-foot main bedroom suite to the house, with a walk-in closet and bathroom with a soaker tub. Lars Remodeling & Design is proud to have received nationwide recognition as among the finest remodeling companies within the US and appears forward to much more years of providing the San Diego neighborhood with distinctive house renovation providers.
While this is applicable more to sellers than to lifetime householders, the neighborhood you live in should replicate the sort of adjustments you make in a kitchen remodel. Whether you need interior painting or a brand new kitchen or lavatory design and set up, Maryland's Best Remodeling has the information, skill and expertise to transform your current space into the home of your dreams.
Remodeling initiatives are a course of No matter residence remodeling, renovation or house improvement mission you keep in mind, BRY-JO's distinctive Design Build course of makes remodeling pleasant and extra seamless than you may ever imagine. Pearl Remodeling will work with you as a associate in this course of to deliver out one of the best of your plans and hold the work on price range.


A couple of nights ago, I sat down to watch my beloved Los Angeles Lakers play game 5 of the NBA Finals against the Orlando Magic (The Lakers were leading the best-of-seven series 3 games to 1). During halftime, I was having my dinner and I went to open a bottle of wine. We were leading so I thought I should open a great bottle in anticipation of winning the World Championship. But, no, I thought, that would jinx the team; we would lose the game, and perhaps even the series because I celebrated too soon. The entire city of LA would blame yours truly. What to do?
I decided to open a bottle that I would have on any average night. Why not? I had been opening average bottles every night of the playoffs, and this had been working well for the Lakers and me and I can be a bit superstitious. Besides, I figured I could always open a truly great bottle once the Larry O'Brien trophy was safely in our hands.
If you haven't already noticed, I am a BIG Lakers fan. And, I don't mean some "Johnny come lately" bandwagoner either. As a native Southern Californian, I can remember listening to Chick Hearn (the long-time Laker announcer) on my blue solid-state radio in the '70s. Back then, few games were on television and, besides, my Mom thought I was sleeping so TV would have been out of the question. I listened as great players like Jerry West, Wilt Chamberlain and Gail Goodrich ran the floor of the Fabulous Forum. I was a die-hard fan in the days of Magic, Kareem and Worthy. When they lost to Boston in Game 7 in 1984, I almost broke my hand after I pounded a table in frustration. I lived and died with the Shaq-Kobe teams of the late 90's and early 2000's. While I was on vacation in Prague in 2002, I scoured and found the only bar in town that was broadcasting game 7 against Sacramento and watched it in its entirety…. the game STARTED at 2:00 am local time!
So, you can understand my glee as I watched the clock tick down in Orlando as the Lakers celebrated their 15th NBA title as a franchise.
As is tradition, the Lakers poured Champagne on one another in the locker room to celebrate this momentous occasion. I wonder, how many of you were first introduced to Champagne by watching a sports celebration? I also wonder how many of you were watching and thinking as I was, "what kind of Champagne is that?" Anyway, I thought back to a trip I took to Reims and Eperney (the Champagne region in France) in 1998. The folks there told me that they were striving to have Americans see Champagne as something more than just a wine to drink in times of celebration. Mind you, they're happy that we drink Champagne to celebrate, but they would really like to see us drink the stuff every day. Despite their best efforts, most Americans mostly drink Champagne (and, certainly the most expensive ones) on special celebratory occasions, like Valentine's Day and New Year's Eve.
Come to think of it, most people only drink their very best wines, be it Cabernet, Pinot Noir or other varietal, when there is a reason to celebrate or remember.
Even on special occasions some folks balk at opening their best wines.
The excuses are many. Perhaps the person being celebrated wouldn't appreciate a great wine (yeah, right), or the wine they're thinking about may not be at its absolute peak drinking period, or maybe it won't be a good match with the food they are having that night.
What if we all stopped thinking of reasons not to open our best bottles and, instead, thought of reasons to open our best? Let's embrace our celebrations and make them even more memorable by drinking some of our best wines. After all, there will most likely always be another great bottle of wine in your collection.
As I reflect back on my Lakers, I have seen them win 10 NBA championships. 10! I have a good friend who is 73 years young and a lifetime Chicago Cubs fan. During his lifetime, the Cubs have never won the World Series. Never. I wonder what bottle he would open if the Cubs finally won?
Whether you are a Lakers fan or not, I encourage you to incorporate wine into your celebrations. The next time your team wins a game that matters to you, find something special to open. Think about your life victories as well. The next time a loved one walks out of a hospital or an x-ray turns out negative think about taking time to celebrate.
There are many moments in life to cherish. I encourage you to open your wines generously to add to the celebrations of those moments.
By the way, the wine I opened to celebrate the Lakers Championship? Two bottles: A 2002 Shafer Hillside Select Cabernet Sauvignon and a 1999 Chateau Rieussec Sauternes. Why? Well, one wine is purple in color, the other gold, and, of course, those are the Lakers colors; and, 2002 was the last time the Lakers won the Championship and I wanted to reflect on and remember that year. Both were terrific wines and excellent pairings with the sweet taste of victory!


76. We didn't need to set up rules since you have earned our trust, and you know your confinements. We are honored to have you like our girl. Congrats on this achievement! Your father and I adore you to such an extent!
77. I don't know how we could create a wonderful child like you. Joking. You were from the best guardians, obviously, you will be magnificent. Congratulations! We are so pleased with you.
78. You are one bit nearer to your fantasies! Continue pursuing them and we will dependably be directly behind you, you generally have our help.
79. We cherish you, and we are excited by this accomplishment of yours. This is our accomplishment, as well. You are our accomplishment.
80. We have perceived the amount you have endeavored to accomplish this recognition. We are so honored to have a little girl as capable as you.
81. We just supplicated that you move on from school yet the Lord favored us with distinction, as well. We are so glad for you, dear. Congrats!
82. We were as one through this battle, and together, we will commend this accomplishment! Congrats to every one of us!
83. You are one of those individuals who have mammoth brains yet have room schedule-wise to associate with others. I respect your school-life adjust, and you really should graduate with distinction.
84. It was a joy meeting somebody as skilled as you. You enlivened me to be better. Congrats on our graduation!
85. I let you know, multi-day, we will all think back on those restless evenings, those minutes we relatively lost expectation, those minutes we figured we would not make it, and those heartbreaks we have experienced amid our school years. You thought back, isn't that right?
86. Is it safe to say that it isn't all justified, despite all the trouble? Indeed, it's justified, despite all the trouble. Congrats to you! We have influenced it this far, how about we to continue moving.
87. I should state, you astounded the entire posse! Take a gander at you, all suited up for your graduation. You generally instructed us to simply appreciate life and shun considering it important.
88. I believe it's crazy not to consider life important but rather, I figure, it worked for you. You did right by us, you enlivened every one of us! Upbeat graduation day to you!
89. Cheers to this gigantic breakthrough! We should party hard, for you are not anymore an understudy however authoritatively jobless! Here's to more long periods of fellowship notwithstanding when we take distinctive profession ways later on! Congrats to every one of us!
90. This is the minute we have all been sitting tight for! This is the last minute we will enter the grounds as understudies. This is the minute when we could really discard our reading material. We have survived those horrendous years and we are as yet alive and prepared to battle!
91. We are the overcome ones and I trust that the universe will unfurl accomplishment to recent graduates like us who endeavor hard. See you on the business, and congrats to you!
92. The time has come to leave the school, discover work, and pay our obligations! Congrats to every one of the graduates with understudy credits!
93. When I initially ventured into the corridors of the college, I had no clue I will have a ton of fun. My psyche was centered around getting straight A's. I managed to get straight An's and I discovered companions who regard me as a family. This excursion has instructed me a considerable measure, however, you all are the best trinkets! Congrats to us, we made it to the end!
94. We have vanquished the universe of course readings and end of the year tests! We are currently entering adulthood, and we are equipped with a considerable measure of learning and certainty.
95. Give us a chance to grasp this change with open arms, and let ourselves develop. Congrats to every one of us, we merit this!
96. Opportunity! At long last, we are free..or then again not. We might be free from addresses, exams, and course books, however, we will enter the business imprison.
97. It is the place individuals is compelled to work from 9 am to 5 pm, eat, rest, and rehash the procedure. Is it accurate to say that you are prepared for the huge change? You ought to be. There's no turning back! Anyway, congrats!
98. How about we have our one final "school" party! We should praise our accomplishments since we really buckled down for this. How about we get alcoholic for one final time as school seniors, since tomorrow, we will never again be understudies yet this current school's graduated class. Wishing all of you good fortunes on your picked vocation ways!
99. I need to trust that the hardest part is finished yet as of late, everybody is instructing me to be set up for another fight. What is this disastrous situation? Joking! Congrats to every one of us graduates who have figured out how to remain normal all through our four long periods of remain in the college.
100. I am trusting that everybody will have the capacity to discover an occupation on your picked profession. I want you folks to enjoy all that life has to offer, and I wish we will keep in contact.


ou have seven seconds…Go!! You're probably thinking, seven seconds for what? Well, according to research, people tend to make their first impression within the first seven seconds of meeting somebody. How we look shapes the message we are conveying. Body language communicates attitude, emotions, and intentions and can punctuate, emphasize and enliven messages.
Communication involves both verbal and nonverbal messages to create a shared understanding. In today's world, much of our communication is digital and often it's difficult to understand the true meaning behind the electronically-delivered content. Being behind a computer, we tend to forget the principles of body language that come naturally when we are speaking with somebody, whether at a conference, a business development meeting, or with colleagues.
I recently read an article on Leonardo da Vinci's "painted psychoanalysis," the Mona Lisa. The portrait illustrates mixed emotions. Depending on the angle the portrait is viewed, the woman is sometimes perceived to be smiling, while other times appearing more serious. The painting allows viewers to create their own opinion of her depending on their observation.
The Mona Lisa is a great example that body language creates the art behind communicating. A facial expression is worth a thousand words and goes a long way to set tone and expectation. It's the quickest and easiest way to change the nature of a conversation. A smile can suggest approval while a frown indicates a disagreement all without saying a word.
Below are a few quick tips to consider when making that "first impression" reputable. teams.
Smile. It's contagious. It creates positive energy and opens up a more relaxed, comfortable environment.
Convey Confidence. Make eye contact and extend a tight, firm right handshake.
Tone of Voice. Speak clearly and precisely. How the message is delivered makes a difference on how the message is received.
Your body language determines how people perceive you. Just like people observe the Mona Lisa's mysterious face differently, people will react in the same manner to your body language within seconds. A confident, energetic, and honest profile will take you far in creating a lasting, successful impact.
How we look shapes the message we are conveying. Body language communicates attitude, emotions, and intentions and can punctuate, emphasize and enliven messages.


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Cyberabad commissioner urges city hospitals to join hands to save accident victims
By Newsmeter NetworkPublished on 2 April 2021 10:10 AM GMT
Hyderabad: The Cyberabad commissioner of police, V.C Sajjanar, has sought the help of city hospitals to save lives under the 'SAVIOR' programme. He conducted a meeting on 2 April with SCSC officials, officials of certain major hospitals, and the Cyberabad traffic police officers to discuss the issue.
Senior officials from AIG, KIMS, SLG, Continental, Sunshine, and Medicover hospitals participated in the meeting.
Every year almost 800 to 850 people die in road accidents in Cyberabad. The Cyberabad police and the Society for Cyberabad Security Council (SCSC) launched project 'SAVIOR' (Saving Accident Victims on Road) with an aim to bring together all stakeholders to help save lives in road accidents.
As part of this programme, a training program has been started with the support of SCSC and CIHS (Care Institute of Health Sciences) wherein more than 300 police personnel and citizens who reside along the highways will be trained in basic first aid.
The initiative is now seeking the support of major hospitals in the city to provide advanced trauma care treatment to accident victims.
During Friday's meeting, all senior officials from the major hospitals in Cyberabad were urged to become part of this initiative to save lives. All hospitals have expressed their willingness to support this initiative on humanitarian grounds and said they will work together with the Cyberabad police and the SCSC.


I'm getting up in 6 hours to have the surgery so I'll probably be offline for a while, although I really want to write about pain while i am in it. It's easy to reflect on pain and forget things (childbirth, anyone?) but in order for me to feel authentic in my conversations about pain I would like to be very present to the realities of it. All of my strategies will be tested, as they should be, and perhaps I will come up with more and perhaps some will prove themselves worthless. Sometimes no strategies work and all we can hope for us endurance. In any case, I'd like to document and share it.
Things got a little testy at dinner tonight – I imagine that while I am not overtly or intellectually scared, there's an anticipation at work just below the obvious. Probably Tucker and the kids have their own versions of it. Thankfully, teammates' parents and my mom and sister will be keeping them with their regular activies regardless of how I am feeling, and I am profoundly grateful.
I want to write about the grand cosmic love of which we are all expressions, but honestly I'm tired. And maybe today is not the day. I know tomorrow is, though. Because the surrender to this grand cosmic love is to accept whatever outcomes unfold because we are life itself unfolding. I'm square with whatever happens. I expect it will be uneventful – great surgeon, great process, plenty of success stories, but if it isn't I'm at peace with that, too. My dear friend went in for surgery 11 years ago and has been in a wheelchair ever since. Her grace and value are so apparent to me that the condition of her body is, while being very difficult for her I am sure, just part of the grand mystery.
I'm surrendered to the mystery. If something goes wrong I might write 1,000 posts about my frustration with it, but I am not in control. and I don't need to be. I'm just another facet of life expressing itself. Lucky me.


Please Scroll Down to Enjoy the Answers to some FAQs.
With creepy clowns in the news, and Halloween around the corner, homeowners are concerned about vandalism. What can you do to protect your home from mischief?
What insurance coverage is available to you the homeowner for vandalism?
Damage to your home because of vandalism or malicious mischief to your home is usually covered under Coverage A of your Homeowners Policy.
Damage to your vehicles would be covered under your Auto policy if you have comprehensive coverage.
The amount of coverage varies, depending on your deductible and what is listed on your policy. We recommend that you review your coverage today, with your local agent, so there are no surprises later.
Take precautions to protect your valuables.
Keep the outside of your home well lit to make your home less appealing to vandals.
Be sure to lock all windows and doors.
Bring valuable items inside before it gets dark.
We are standing by to answer further questions you may have.
In New England gold comes in another shade… white (snow). Well, atleast for snowplow drivers!
Do you plow public roads?
Does your small business snowplow in the winter? Let's say you have a fleet of trucks that are all commercial vehicles. Winter comes around and you, the owner, decide to start plowing. Suppose one of your drivers hit a curb and damages the vehicle while plowing. Are you covered?
In most cases, if you do not have the snowplow endorsement on your commercial policy then you may be stuck without a shovel. Your Business Owners policy may exclude coverage for snowplows.
Have you heard of this new Tiny House Trend? How do these tiny homes interact with your insurance coverage?
The "Tiny House" is a new trend encouraging people to simplify their lives and reflect on how much space is really needed to live. Usually these homes are a maximum of 400 square feet. Some are built on trailers while others are fixed to a permanent foundation. Insurance companies are working on how best to provide coverage for these new houses.
We are finding that they are being broken down to two types of coverage.
Dwelling Fire or Speciality Homeowners policy.
If the structure is attached to a permanent foundation.
If wheels are in tact.
In either case, the house would need to be inspected and meet certain standards before it would be insured.
Contact your local agent to learn more.
Is your Recreational Vehicle covered?
If your Camper , RV or trailer is not listed on your current auto policy you may not have the coverage needed for your upcoming trip.
Contact your local agent to confirm coverage.
Kitchen Renovation… Are you covered?
This time of year many people are thinking about spring cleaning, even home renovations. Are you one of them?
Will you be covered for a kitchen renovation or bath remodel??
Homeowner's policies typically cover the value of the home. Kitchen renovations add value to the home. If you add value to the home by renovating and or adding square footage, it is important to keep your local agent in the loop and also update your existing homeowners policy. If you do not, and then something happens to your home, you may not have the coverage needed for repairs.
Frozen Pipes burst… Are you covered?
If your pipes burst in this cold winter weather, are you covered?
Well the good news for you is that water damage is one of the most commonly filled insurance claims. That being said, you should know that not all claims are covered for frozen pipes. If your home sustains "sudden and accidental" water damage from bursting pipes, then you would be covered. If the leak is slow or has caused damage over a long period of time you may not have coverage. This is why it is good to be on the lookout for water damage or broken pipes especially this time of year.
The frozen pipes that burst have not been properly maintained.
You are away from your home and the pipes burst due to a lack of heat in the home.
It's best to contact your local agent for further details of coverage before you have a claim.
Electric Bicycles… Are you covered?
Is your electric bicycle covered by your Homeowners or Auto policy?
Then Listen Up… Short answer is No. Unfortunately, the electric bicycle falls into a class of their own. Electric bicycles have a motor and need a registration, and would not have the same coverage options as a standard bicycle. Certain carriers have made an endorsement for these, but they require you to have a Motorcycle policy.
Boat Season… Are you covered?
Do you own a boat? If so summer is the best time of year. Do you have the right coverage for your boat?
Boat Insurance covers physical damage to the water craft.
Personal liability in the event of bodily injury to yourself and others.
Personal Property including apparel equipment and other property owned by the insured or guests on the boat.
It's BBQ Season… Are You Covered?
This time of year many of us prefer to BBQ in the backyard and enjoy time with the family! We hope you have a great summer.
That being said, if you should have a grilling or BBQ accident and a fire damages your property… Are You Covered??
Fire damage on your property is covered by most common Homeowner's Policies. So for example if your deck was destroyed by fire you would have coverage. The amount reimbursed would be based on the value of property and policy limits.
Homeowners policies also include some liability coverage, in the event of injury. Now would be a great time to consult with your local agent and make sure there are no gaps in your coverage.
You Damage Your Car When You Hit A Pothole… Are You Covered?
Potholes are everywhere this time of year. Unfortunately it is common place due to winter elements.
If you hit one and damage your car, are you covered?
This would be covered under Collision, in your auto policy. Collision covers accidental damage to your auto that is caused by a collision. The amount reimbursed is determined based on cash value of parts and repairs. Contact us for more specific information.
In most cases your deductible is set at $500.00 unless other amounts have been selected.
*Your policy covers collision loss for an accident which occurs while your auto is being operated by a household member listed on the policy. If someone in your household drives your auto on a regular basis make sure they are listed on your auto policy.
April Showers Flood Your Basement… Are You Covered?
Ground water seeping into your building, sidewalk, driveway, foundation, swimming pool or other structure.
*However if your home caught fire, suffered explosion or theft because of water damage you would be covered.
Act now to make sure your basement is leak free, and if you are prone to flooding prepare with a sump pump.
Your Tree Damages Your Neighbors Property… Are you covered?
With all the wild weather lately many people wonder, if your tree damages your neighbor's property are you responsible?
Acts of nature are beyond our control. You would not be responsible for the damage. Repairs would be covered by your neighbors homeowner policy.
However if damage results from an unhealthy, or previously damaged tree, that you were aware of and possibly put on notice for then you would be responsible.
You Have a Snowmobile… Are You Covered?
We hope you have a fun winter and enjoy your winter sports.
Snowmobiles require some maintenance, both physically and for coverage. Have you thought about if you have the right coverage for your snowmobile? It's all fun and games until someone gets hurt. If you are involved in an accident while using your snowmobile, your home or auto policy will not offer coverage for any bodily injury.
*This is the same when borrowing someone's snowmobile.
Protect your investment and your pockets. If you should have an accident, what will you do? In addition to a snowmobile policy, A Personal Umbrella may be just the thing for you. It protects liability.
The Personal Umbrella doesn't cost as much as you think.
You Hit a Deer While Driving…Are You Covered?
Please be careful of deer, especially while driving in wooded areas. Deer tend to be out around dusk and dawn. If you hit a deer while driving… are you covered??
You are covered if you have comprehensive on your auto policy. The deductible would apply, but the good news is there would not be a surcharge for this type of single car accident. You may not have all the coverage you need. Feel free to contact us for more information today.
Heavy Snow Causes Roof of Garage to Collapse… Are you covered?
Yes there would be coverage. It would either be covered under Dwelling or Other structures depending weather the garage is attached to the house or not.
Review your other structures to confirm you have enough coverage. Examples of other structures include your fence, garage, shed, gazebo, barn, & possibly your pool.
Your personal property would also be covered if damaged, as a result of the collapse.
You may not be covered by your homeowners policy if the garage is used for business. In this case you would need commercial coverage for the building and property. We handle both types of insurance. Should you need more information we are only a call away.
Extended Power outage forces you to stay in a Hotel… Are you Covered?
This area has seen some wild weather in recent years. We all remember the Frankenstorm of 2011. This brings up the thought of an extended power outage. No one wants this to happen again, but it is a sobering reminder of how quick things can change. Well what if you experience a power outage for an extended period of time and are forced to stay in a hotel… Will you be covered?
Assuming there is no other damage from the storm, claims for a hotel stay (or generators) are seldom covered under a homeowner's policy. However due to a preexisting medical condition , your hotel stay may be covered.
In emergency situations state aid has been made available for application in the past. Preparation is key in cases like this. Make sure your family has an evacuation plan in place.
Please contact our office for further concerns or questions relating to property coverage.
Water Damage around Electric Panel… Are You Covered?
Water Damage around your electric panel is not something you want. Let's hope it does not happen to you. If it does, there is some good news and some bad news.
Good news, if the damage is caused by a leaky pipe or your window is smashed during a storm and water enters through that broken window…YES there is coverage.
Bad news, if the damage is caused by ground water you are not covered. For Example, if heavy rain causes flooding in your basement or the water from the ground leaks in through a crack in the foundation…there is NO coverage.
Now would be the time to make sure you are protecting yourself against flood damage especially if you are in a flood zone. Be aware of the recent flood mapping changes. You could now be in a flood zone. Flood policies are the only way to cover flood damage. You cannot add flood coverage under any other policy.
Fence Destroyed By Hurricane… Are You Covered?
The simple answer would be yes. Your fence is covered under your homeowner's policy- Coverage B. However there are a number of variables as to how much you will be reimbursed. Your insurance company will provide you with the cash value of the fence at the time of the loss. The policy covers the actual cash value for the cost of repair or replacement.
*Something to note is that you will not be reimbursed based on the cost of a new fence. Some fences depreciate faster than others. Stockade fences depreciate quickly, whereas iron or vinyl hold their value longer, especially if properly maintained.
This brings us to the question of tree debris removal.
Homeowners policy reasonable expenses provides up to $500.00 for removal of trees felled by such windstorms or hail. Provided the tree damages the covered structure. There may be an endorsement that provides a limit for removal of a fallen tree not damaging a structure.
*If you live in coastal areas you will have a slightly higher deductible, which will be applied to windstorm or hail losses.
We are happy to answer any further questions you may have. Call us today!
Lawnmower Stolen from your Shed… Are you covered?
The shed is on the "residence premises" and thus is covered in the event of theft. However if this lawnmower is used commercially you need to take additional steps to insure it. Your limits may need to be adjusted.
For more information contact your local agent. We also provide free insurance reviews.
Lightning Strikes Your House… Are You Covered?
Sadly the National Weather Service reports that lightning causes an average of 4,400 home structure fires each year. Summer time is prime time for lightning strikes, so it's best to be prepared.
In short, you are covered, under the Homeowners-3 (all peril) policy & Dwelling Property (DP-3) policy. Companies will replace the damaged items. However they first will want to know if the damaged items can be repaired. If the items cannot be repaired the company will require a written explanation as to why it cannot.
For questions or to learn more about your coverage options contact us at www.chaseins.com. We would be happy to provide you with a free quote. For more lightning safety tips click the link below.
Expensive is Jewelry Stolen From Your House… Are You Covered?
depending on which version of the homeowners policy that you have. So, if you have a stolen Rolex valued at $7,000 you will come up a bit short. This limit applies to jewelry, watches, precious and semi-precious stones and furs.
It is recommended that you obtain appraisals from a certified appraiser to determine the value of your personal items. Once you have have an appraisal contact your independent insurance agent to discuss your coverage options. You may wish to list/schedule your items onto your homeowner's policy, or obtain a valuable articles policy. In most cases, you can just add your items to your homeowners policy.
Scheduling your items will not only cover them for theft, but it will broaden your coverage to include loss, in most cases.
Contact your independent insurance agent for more information.
Hot Water Heater explodes causing damage… Are you covered?
Well then. Lets hope this never happens to anyone….. So, lets break this down a bit. Explosion is a covered peril under the Homeowners 3 Special form. Coverage is provided under Section I Property Coverages extending coverage to both the dwelling structure and personal property. So, if your hot water heater explodes, you have coverage under your Homeowners 3 Special form for your structure and personal property.
Now, what if your hot water heater is located in your garage, blows up and damages or destroys your riding lawnmower, car, and motorcycle?
Good and bad news here. The good news is that your riding lawnmower and any other personal property that was destroyed or damaged by the explosion would be covered under your Homeowners 3 Special form. The bad news is that the car, and motorcycle are not covered by your Homeowners policy. Motor vehicles and motorcycles are subject to registration and separate insurance requirements. In other words, you would need to file a claim against your car and motorcycle insurance policy and hope that you purchased comprehensive coverage, of which Explosion is a covered peril.
Again, I hope this never happens to anyone.
Your Contractor finds mold… Are you covered?
Well, to answer this question lets first look at the insurance definition of mold.
Fungi – A. "Fungi" means any type or form of fungus, including mold or mildew, and any mycotoxins, spores, Scents or by products produced or released by fungi. B. Under Section II, this does not include any fungi that are, are on, or are contained in , a good or product intended for consumption.
Now that we now how the homeowners contract defines mold, lets answer the question. Yes, if you have a standard Form H03 Insurance policy you will have limited coverage for "Fungi" under Section (I) and Section (II).
Section (I) (Property Coverage) provides $10,000 as the total amount that will paid for a covered property loss involving "Fungi".
Section(II) (Personal Liability Coverage) provides $50,000 as the total amount that will be paid for a covered Personal Liability loss involving "Fungi".
Contact your insurance agent should you wish to inquire about purchasing higher "Fungi" limits. In some cases section (I) limits can be increased to $25,000 or $50,000 and Section (II) limits can be increased to $100,000.
Sinkholes are NOT Covered Under the Home or Dwelling fire policies!
Did you know that Massachusetts has already suffered sinkholes? Road buckles in Fall River creating huge sinkhole – March 30, 2010; Water main break causes sinkhole in Lowell – October 12, 2011; 17 foot deep sinkhole emerges in Holyoke, MA – March 13, 2013. The good news is that you can purchase the sinkhole collapse endorsement for your home and dwelling policies. Don't forget about earthquake coverage. See the Home and Dwelling fire policy exclusions below.
We do not insure for loss caused directly or indirectly by any of the following. Such loss is excluded regardless of any other cause or event contributing concurrently or in any sequence to the loss. These exclusions apply whether or not the loss event results in widespread damage or affects a substantial area.
Any other earth movement including earth sinking, rising or shifting caused by or resulting from human or animal forces or any act of nature unless direct loss by fire or explosion ensues and then we will pay only for the ensuing loss.
This Exclusion A.2. does not apply to loss by theft.
Any other earth movement including earth sinking, rising or shifting; caused by or resulting from human or animal forces or any act of nature unless direct loss by fire or explosion ensues and then we will pay only for the ensuing loss.
Under the HO policy the HO 04 99 Sinkhole Coverage endorsement is necessary to buy back sinkhole collapse.
"Sinkhole collapse" means actual physical damage arising out of, or caused by sudden settlement or collapse of the earth supporting such property. The settlement or collapse must result from subterranean voids created by the action of water on limestone or similar rock formations.
The Earth Movement Exclusion does not apply to "sinkhole collapse." Under the DP policy one needs to add DP 04 99 Sinkhole Collapse which reads similarly. We also must remember that the peril of earthquake is excluded and needs to be bought back. The HO 04 54 Earthquake Endorsement is necessary to add earthquake back to the homeowners policy and DP 04 69 Earthquake is used for the Dwelling Policy.
Your babysitter trips on your walkway and incurs an injury… Are you covered?
Answer: If your babysitter, mailman, neighbor or anyone else who is not defined as an insured breaks their leg in your home or on your property. The short answer is maybe.
There are two coverage parts under Section II – Liability coverage. The first part is Coverage E – Personal Liability and the second is Coverage F- Medical Payments to others. Each claim is investigated to determine negligence. If the insured is found negligent than coverage may be available under your Personal liability coverage part E or Medical payments to others Part F.
Provide a defense at our expense by counsel of our choice, even if the suit is groundless, false or fraudulent. We may investigate and settle any claim or suit that we decide is appropriate. Our duty to settle or defend ends when the amount we pay for damages resulting from the "occurrence" equals our limit of liability.
You have an accident and need a rental car… Are you covered?
The answer is yes, if you carry rental reimbursement coverage. Rental reimbursement coverage provides limits of insurance in the amount of $15 to $100 per day. Rental reimbursement coverage provides coverage in the event that your vehicle is damaged due to a covered loss. Coverage does not exist for vehicle breakdown or maintenance. Call us for more information.
Your windshield is cracked…Are you covered?
The answer is yes, if you carry comprehensive insurance coverage. The best part is that glass coverage has a zero deductible in most cases. Comprehensive insurance coverage covers a lot more than just cracked windshields. It covers many perils and is commonly referred to as other than collision coverage. A collision with a bird or animal like a bear, would be covered under comprehensive coverage.
Your Live-in-mother in law breaks her leg at your house… Are you covered?
Now, lets say your mailman, neighbor or anyone else who is not defined as an insured breaks their leg in your home or on your property. Are they covered?
Well, that's a good question. The short answer is maybe. There are two coverage parts under Section II – Liability coverage. The first part is Coverage E – Personal Liability and the second is Coverage F- Medical Payments to others. Each claim is investigated to determine negligence. If the insured is found negligent than coverage may be available under your Personal liability coverage part E or Medical payments to others Part F.
d. Is caused by an animal owned by or in the care of an "insured".
Vacation Car Rental… Are you covered?
Generally, if you have liability part 5 Optional Bodily Injury liability coverage and physical damage coverage (collision and comprehensive) coverage, the coverage will follow you to the car you are renting everywhere in the U.S and Canada. If you are in Mexico, overseas, or anywhere outside the U.S and Canada, you must purchase insurance coverage through the rental car company.
Note: Liability Part #1 only applies to accidents that occur in Massachusetts. In order to have bodily injury coverage outside of Massachusetts, you must purchase part 5 (Optional Bodily Injury) coverage. Parts 3 Uninsured and Part 12 Underinsured will follow also.
Your personal automobile insurance will follow for personal type vehicles, no buses, or commercial trucks, etc..
Rental Reimbursement coverage on your policy does not cover damage to or caused by rental cars. If you have this coverage part listed on your policy, you can only use it to rent a replacement vehicle if your personal vehicle is not usable due to a covered accident. This coverage does not afford coverage to a rental or damage caused while you are driving a rental car.
Loss of use coverage: The period of time that the damaged rental car is being repaired and not usable by the car rental company. Loss of use coverage is not covered under your automobile insurance policy.
Check with your credit card company. Some credit card providers offer free coverage if you use their card to pay for a car rental. Be sure to read/ask for an exact description of what is and what isn't covered.
If you chose to purchase insurance from the rental company, check to see what is and what is not covered. If personal effects are not covered, they may be covered by your homeowners or renters insurance policy. The Damage waiver coverage may duplicate coverage you have on your policy. Supplemental liability coverage may provide more liability coverage than you carry on your policy. If you have adequate liability coverage on your car and an umbrella policy if you own a home and auto, you may want to forgo this coverage. Call us to review your current coverage before making this decision.
Fire Damage… Are You covered?
Answer: Fire damage is covered most of the time. There are certain situations where fire damage is not covered under a homeowner's policy.
The purpose of a home insurance policy is to protect the owner against sudden and accidental financial losses, within certain limits, due to a number of perils. The most common perils include fire, theft, vandalism, smoke, lightening, impact by aircraft or land vehicle, explosion, and riot. Fire damage is a big concern for most homeowners.
Arson – The willful or malicious burning of property (as a building) by the property owner especially with criminal or fraudulent intent.
Vacancy – Another case where damage caused by fire would not be covered by the homeowner's insurance contract is if the home was vacant at the time of the fire. A home is considered to be vacant if it has not been resided in for more than 30 consecutive days, or if the owner has moved out and has no intention of returning. The insurance company will launch a full investigation and if they can prove that the property was vacant, they will not provide any coverage for damages sustained.
Flood damage… Are you covered?
Answer: It depends, flood damage is NOT covered under most homeowners policies. A separate flood insurance policy must be purchased.
Did you know:? Almost everyone is in a flood zone!
A bear crashes through your window… Are you covered?
Answer: Yes, If a bear crashes through your window, your Homeowners policy will cover it, subject to your policy deductible.
But what if the bear then comes in the house and damages your contents and personal property? Under the standard Homeowners policy there would not be coverage, but if your policy includes "special personal property coverage", you're all set!
Animal damages not covered by home insurance.
Various small animals or insects, such as rats or cockroaches, that are destructive, annoying, or injurious to health.
Animals that prey on game, such as foxes or weasels.
Any of various mammals of the order Rodentia, such as a mouse, rat, squirrel, or beaver, characterized by large incisors adapted for gnawing or nibbling.
Any of various warm-blooded, egg-laying, feathered vertebrates of the class Aves, having forelimbs modified to form wings.
Such an animal hunted as game.
Your bathtub bubble over… Are you covered?
Answer: Yes, Water Damage Which Occurs From Any Interior Plumbing Device Is Covered, Even If It's A Bathtub Or Toilet That Overflows!
Did you know that water damage is one of the most commonly filed home insurance claims? This should not come as a total surprise considering the many possible causes of water damage – heavy rain, bursting of pipes, or the bathtub accidentally overflowing.
Despite the fact that water damage is a common claim, not all water damage claims are covered.
Water damages generally covered by home insurance.
In general, your home insurance covers water damages caused by bursting pipes, leaks in the roof, or when water overflows from the sink, bathtub, dishwasher, hot water heater or washing machine. The key to a water damage claim is that it must be "sudden and accidental". Water damage that is the result of prolonged, slow leakage is generally considered maintenance and would not be covered.
Water damages generally not covered by home insurance.
Your homeowners insurance may not cover water damages caused by frozen pipes that burst, if you have not maintained proper heat in your home. If you leave your home for extended periods in the winter, you need to make sure that your heat is maintained at an adequate temperature.
Additionally, damage that occurs from water which comes from the surface of the ground or below ground, is not covered. If a heavy rainstorm causes water to flood your basement, that is not covered. Limited coverage for sump pump failure or sewer backup is available by separate endorsement – call our office to make sure you have this additional endorsement on your policy.
Flood is also not covered under a Homeowners policy. If you live near any body of water, even smaller streams, you should consider purchasing a separate Flood Insurance contract.
Worried about uninsured drivers? You should be!
Glance around next time you are cruising down the Rte. 91. As many as one out of seven cars hurtling past you could be uninsured. You may be one wrong move away from financial ruin without adequate insurance protection. Then there are those drivers with state minimum insurance coverage. Just because they have insurance does not mean they have enough to cover you or your loved ones should they cause you serious injury. It doesn't take calculus to figure out that these sums won't begin to cover Hospitalization, rehab, loss of income, etc. caused by an accident. Accidents are stressful enough. You shouldn't have to worry about how you will pay for the horrific medical expenses. Consider at least $100,000/$300,000 for parts (3) uninsured (12) Underinsured & $25K for (Medical payments). $250,000/$500,000 limits would be even better, or higher.
Chase, Clarke, Stewart & Fontana has provided auto insurance and great advice to the residents of Massachusetts for over 100 years. Areas served include, Agawam, Longmeadow, Hampden, Wilbraham, Westfield, Southwick, Holyoke, Springfield, South Hadley, Northampton and all of the surrounding communities.
If you can say yes, It Could Mean No!
If you answer YES to any of the following statements, you may suffer an uncovered claim, which could have been covered. Please take a few minutes to read the following. Call your insurance agent if you answer Yes to any of the following questions.
The named insured on the policy is not occupying the home.
The amount of insurance coverage on our home is less than 100% of what it would cost to rebuild it.
The amount of insurance on our contents is less than its replacement value.
Property used in business (tools, equipment, samples, stock, etc.) is kept in our car or at our home.
I own a boat, outboard motor or boat trailer.
We have a total of more than $1000 in jewelry, watches and furs, $2000 in firearms, $2500 in silverware & pewter ware or $200 in gold, money or silver.
I own a second home and or we may rent our second home during the year.
I have cameras or other hobby equipment which we consider valuables.
I own antiques, fine arts, stamps, coins etc.
I have an office or conduct business out of our home or garage.
I have a detached garage or other building on our property that is worth more than 10% of our house dwelling coverage.
I have a sump pump in our basement.
I have persons other than blood relatives living in my home.
I've updated my kitchen, bathroom, or basement or added a dormer, addition, or deck to my home.
I allow friends, or family members to operate my vehicle even though they are not listed on my policy.
I borrow a household member or friends vehicle regularly and I'm not a listed driver.
I have multiple vehicles with different liability limits.
I own a condominium as a second home and may rent it out.
I own a condominium and don't have loss assessment coverage.
You may be surprised to learn that your policy is not covering you the way you thought.
Ordinance and Law Coverage… Who Needs it?
Ordinance and Law coverage is a form of insurance that can be included in your homeowners, property, or commercial property policy to cover you for rebuilding a destroyed property and also upgrading the property to meet the current building codes and or town/city ordinances. Property policies typically include Ordinance and Law coverage at a limit of 10% of the building value. More can be purchased and should in many cases. This coverage could save you from a potentially crippling enforcement of local building codes. For example, Ordinance and Law would pay for increased cost of construction for any increased cost incurred to upgrade to meet current building codes or ordinances.
What if after a covered loss to your building, the building code required that you install new wiring throughout not only the damaged portion of the building but to the existing section also.
What if your commercial building requires the installation of sprinklers, or handicapped accessibility, or rebuilding with fire resistant construction, or removal of the undamaged portion of the building?
Who would pay you for the value of that undamaged portion that had to be demolished?
What if the limited amount of debris removal on your present policy (which is only for damaged property) is not enough?
None of these scenarios are covered without the Ordinance and Law endorsement or Increased Debris Removal endorsement. These important coverages allow you to choose from undamaged value coverage, demolition and site clearance of not only damaged property but also undamaged property, as well as increased cost of construction, i.e. upgrades due to code enforcement.
Check your homeowners, property and commercial property policies today and make sure you have this valuable coverage.
Even in a down economy property values continue to skyrocket. Western Massachusetts property replacement costs continue to increase. Do you have enough coverage to replace your property? You may be surprised.
Contact us today so that we can conduct a property replacement cost analysis to help determine if you are properly insured. You don't want to be under or over-insured. Say you are insured for $70,000 and your property would cost $100,000 to re-build. That will be a problem seeing as you are only 70% insured to the replacement value of $100,000. This leaves you 30% short and also exposes you to a coinsurance penalty. Most property policies require that the property be insured at least 80% of the replacement value, or loss payments will be reduced by a proportion of the insured value to 80% of replacement value.
Most insurance companies offer an endorsement that will provide full coverage to replace the property in the event of a total loss. Typically, companies require the property be insured to at least 100% of the replacement value of the property to qualify for this endorsement. As long as this requirement is met, if you have a total loss and it costs more to replace than your limit listed property coverage limit, your insurance policy will be increased. The amount of the increase depends on the endorsement purchased, and can be anywhere from 25% to 100%.
All it takes is a simple call to determine if your property is insured properly. Don't wait until it is too late. Find out today.


The California ISO supports the state's clean air policies by integrating clean, zero carbon resources such as wind and solar. This page shows the success in reducing power plant emissions. CO2 emissions data is an approximation. View how CO2 is calculated.
CO2 is produced when a fuel is combusted to turn generator turbines. Wind, solar, batteries, hydro and nuclear operate without emissions.
Emissions typically rise when traditional resources are needed, such as during periods of reduced production of solar and wind resources.
The addition of zero or very low carbon renewable resources to the grid is reducing CO2 emissions over time.
Today's Outlook charts are designed to summarize forecasts and actual loads, and do not include dispatchable pump loads on the system.
This data is for informational purposes only, and should not be used for determining actual billing values or operational planning.
For official data, visit OASIS. For official emissions data, visit CARB.
* CO2 emissions data is an approximation. For official emissions data, please visit California Air Resources Board GHG Reporting.


text:
class Micronaut < Formula
  desc "Modern JVM-based framework for building modular microservices"
  homepage "https://micronaut.io/"
  url "https://github.com/micronaut-projects/micronaut-core/releases/download/v1.1.0/micronaut-1.1.0.zip"
  sha256 "21595867692f61317a20c8222c88c86a6599663461b2bed1d1922e6643cc84b9"

  bottle :unneeded

  depends_on :java => "1.8+"

  def install
    rm_f Dir["bin/*.bat"]
    libexec.install %W[bin media cli-#{version}.jar]
    bin.install_symlink libexec/"bin/mn"
  end

  test do
    system "#{bin}/mn", "create-app", "hello-world"
    assert_predicate testpath/"hello-world", :directory?
  end
end


The Karner blue butterfly has a wingspan of only about one inch. The male has silvery or dark blue markings on its wings while the female is grayish brown bands of orange crescents. As caterpillars, they feed only on the leaves of wild lupine plants.
The habitat of the Karner blue butterfly is tied to that of wild lupine, a plant with a tall spike covered in small flowers, which the butterfly relies on as a caterpillar. The plant grows near pine and scrub oak scattered among open grassy areas.
Although Karner blue butterfly habitat used to stretch across 10 states, from New York through Illinois and north to Minnesota, it has been eliminated from at least five of those states. Remaining populations are primarily in the states directly surrounding Lake Michigan.
Destruction, modification and fragmentation of habitat have been the greatest threats to the survival of the Karner blue butterfly. Because of their reliance on the wild lupine, the decreasing presence of the plant due to urbanization, decreasing wildfires and other factors have made it challenging for the butterfly to find suitable habitat.
To recover the Karner blue butterfly, the Fish and Wildlife Service is working with state agencies and other partners to protect populations in their current habitats, as well as reintroduce the butterfly to habitat where it had historically been found. Monitoring of and research on populations and habitats are ongoing, as is education and coordination with public and private land managers.
Take action to protect Indiana Dunes National Lakeshore.