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property MaintenanceRemember....you get what you pay for! The only way we won't make money in these stocks is if the companies don't make it through this cycle," says Josh Spencer, homebuilding analyst with T. Rowe Price. "It's hard to think the housing market won't recover eventually and that homebuilding stocks won't get back to profitability. written by: Muskoka TradeSource Remember....you get what you pay for! In the last edition, we discussed the process of getting quotes on your project from potential contractors. This time we’re taking it one step further and looking at the importance checking the quality of your contractor – including appropriate insurance coverage, something that is extremely necessary for both the homeowner and those working on the site. Once you’ve narrowed your choices for a contractor down, your next step is to verify the quality of their work and to ensure that they work under proper insurance coverage and ethics. Laurie Campbell of Ed Campbell Construction Ltd. emphasizes the importance of doing some background research into your proposed contractor: “A gentleman’s handshake is no longer all that’s needed to secure a deal; it’s very important to verify the legitimacy and reputation of a company before signing anything.” So talk to friends, neighbours and acquaintances, ask a contractor to see their references, view some of their previous work to check quality, and make sure that the company is a reputable one. Free Classified Ads Canada's free, local classified site. Post your ads for free. Sell or exchange goods and services. www.alboa.ca Be aware, however, that just as you’re doing background work on your prospective contractor, they could be doing the same to you. Some contractors are now doing background checks on clients to verify their reputation when it comes to payment. “Attitudes about payment have changed,” says Campbell. “Both parties need to make sure that a payment schedule has been put into place. Have a discussion and agree on whether payments will be made in regular installments, or if invoices will be made once a month.” In addition, you need to make sure that the company / contractor you hire has all of the required insurance coverage. Says Les Bell, State Farm Insurance Agent, “Always verify that the contractor has the appropriate liability and disability insurance; otherwise, the homeowner is responsible for any damage, loss of hours, injury, etc.” Homeowners need to understand the importance of proper insurance coverage. If, for example, a contractor or one of his workers left some tools at the work site, and a child playing with or around the tools gets injured, one would expect the company to be held responsible. However, if the company isn’t properly insured, the onus is shifted and becomes the responsibility of the homeowner. We offer a wide range of services from wholesale modular sales & installation to a complete turn-key package for both residential or commercial projects. Financing programs are available to qualified buyers. With designers in both our office and at our manufacturer, your project is only limited by your imagination. Insurance coverage doesn’t stop with the contractor. All trades and subtrades hired on by the contractor must also have their own insurance. Not only does everyone involved in working on the project need appropriate coverage, but so does the property. Says Bell, “It’s a common misconception that people don’t insure property during construction. In fact, proper coverage should be in place even before excavation begins.” No matter what size the project is, whether it’s a minor repair, an addition, or the construction of an entire new structure, your insurance company should be aware of it. To find out what your responsibilities as a homeowner are, contact your insurance agent before any work is done and they will inform you of the appropriate coverage needed for the project. You don’t want to be held responsible for any injuries, loss of work time or loss of pay, especially if it’s something that can easily be avoided. “Only employ contractors with proper coverage and make sure you’ve got the necessary coverage on your property,” repeats Bell. It’s always better to be safe than sorry.The Builders London is the principal trade organisation for private sector housebuilders and voice of the home building industry in England and Wales. It is an exciting industry filled with many talented people and organisations, providing sustainable and attractive homes to meet the demands of consumers. Our member firms account for approximately 80% of all new homes built in England and Wales in any one year, and include companies of all sizes, ranging from multi-national household names through regionally based businesses and small local companies. 1. Asian shares drop on concern over bank earnings data: 27.03.08 Bank stocks like Mitsubishi UFJ and Macquarie Group were among the biggest decliners following the bank downgrades, a profit warning from Deutsche Bank and comments from European central bankers that there was no end in sight to the global credit crunch. 2. Turkey's high court to hear case against Islamic party data: 07.04.08 The court voted unanimously to hear a case that seeks a ban on the prime minister's Justice and Development Party. 3. Fayed bid to summon Philip fails data: 19.03.08 Mohamed Al Fayed's bid to compel the Queen and Prince Philip to give evidence at the inquest into the death of Princess Diana has failed 4. British rock star Pete Doherty jailed for 14 weeks data: 10.04.08 Adrian Hunter, Doherty's manager at Parlaphone records, said that there were "numerous reasons" the singer/songwriter had been jailed. "One of them was his latecoming at probation hearings," he said. 5. France says EU ready for a greater role in defense data: 07.04.08 As France jockeys to rejoin the command structure of NATO, a senior French official said that, for the first time, conditions were right for Europe to become a more serious player in defense. 6. Brian Reade: Blow me down.. it was only a bit wet data: 19.03.08 The good people of Columbus, Ohio, probably didn't have time to watch much international TV news this week. 7. U.S. Senate panels to investigate Bear Stearns deal data: 27.03.08 Treasury Secretary Henry Paulson Jr. defended the takeover even as he called for more transparency on the part of Wall Street. 8. Sarkozy appeals to FARC for hostages' freedom data: 07.04.08 The French government said Wednesday that it was trying to help a woman who has been held hostage by Colombian rebels for more than six years, as her son warned that she needed an immediate blood transfusion to stay alive. 9. Northern Rock to cut 2,000 jobs data: 19.03.08 Nationalised bank Northern Rock will cut about 2,000 jobs by 2011 as part of restructuring plans. 10. Gamezone: Review: Lost Odyssey data: 19.03.08 This sprawling RPG comes from Final Fantasy creators Hironobu Sakaguchi and Nobuo Uematsu. 11. Berlin denies it approved training for Libyan police data: 10.04.08 Amid growing criticism of the country's security services, the German government insisted Monday that none of its departments had allowed its personnel to train Libyan police officers between 2005 and 2007. 12. Cristiano Ronaldo in bullfight ad controversy data: 19.03.08 Manchester United midfielder Cristiano Ronaldo has risked the ire of animal-rights groups by portraying a bullfighter in an advert. 13. Facebook throws down online chat challenge data: 19.03.08 A new service, expected to roll out in the next few weeks, represents Facebook's latest challege to AOL, Microsoft and other makers of popular instant messaging programmes 14. Saracens and Toulouse into Heineken semis data: 07.04.08 Saracens produced a terrific all-round performance to overwhelm the Ospreys 19-10 while Toulouse thrashed Cardiff Blues 41-17 on a bad day for Wales in the Heineken Cup quarter-finals on Sunday. 15. Blacksliding on reform is seen in new EU states data: 07.04.08 The European Union's eastward expansion aimed to cement former Communist countries into a bloc committed to pluralism, democracy and good government. But the new members have a tendency to backslide and succumb to "reform fatigue," according to a recent academic study. 16. German Catholic Church details wartime use of forced labor data: 10.04.08 The church exploited nearly 6,000 forced laborers in the Nazi era, it said in an extensive report Tuesday on a dark chapter in its history. 17. Man critical after blaze at hotel data: 19.03.08 A 45-year-old is in hospital and three others feared missing after a fire at a disused hotel. 18. George Bush empty-handed as last summit with Vladimir Putin ends in failure data: 07.04.08 President George W Bush's last ever summit with Vladimir Putin ended in failure last night when the Russian president stood firm in his opposition to Washington's controversial missile defence shield. 19. S Asian crises blamed on leaders data: 10.04.08 Oxfam says government failures can turn South Asia's natural disasters into humanitarian crises. 20. 'Anti-gay views' JP investigated data: 07.04.08 An inquiry is underway into anti-gay remarks made by a serving magistrate on a BBC Wales documentary. 21. The need to share a dark secret data: 07.04.08 Felix Dennis has retracted his "confession" but why do people suddenly own up to murder years later? 22. Bank rates 'will fall by a point' data: 07.04.08 Interest rates will be cut by a full percentage point by the end of the year as the credit crisis continues to cause turmoil in the mortgage markets and the wider economy, financial experts predicted yesterday. 23. US soldiers killed in Green Zone data: 07.04.08 Three US troops are killed by rocket attacks on the Green Zone and a base in Baghdad, the US military says. 24. Open skies, cheaper fares â at least for now data: 07.04.08 The first phase of the open-skies agreement has added 20 percent more seats across the Atlantic than were available last April, bringing down prices. 25. Hope Not Hate: MAGIC BUS data: 19.03.08 AFTER 14 days, 1,700 miles and thousands of supporters, the Hope not Hate bus pulled into its final destination yesterday. 26. 'Healthier hearts' for cat owners data: 19.03.08 Cat owners have a lower risk of a fatal heart attack than feline-spurning counterparts, a study suggests. 27. City: Virgin to jettison massages data: 10.04.08 Virgin Atlantic's firstclass passengers will be a little less pampered in future - if plans to axe the airline's 280 onboard beauty therapists go-ahead. 28. Has Sir Alan met his match in The Apprentice? data: 19.03.08 Sir Alan Sugar, the archetypal bully best known for his withering put-downs, will come face to face on the new series of The Apprentice with a woman who successfully sued a city law firm for victimisation. 29. David Beckham's new tattoo data: 19.03.08 David Beckham appears to have chosen an ancient Chinese proverb in what is the latest addition to his tattoo collection. 30. Jobs: Mirror Works: It was make or bake for a while! data: 07.04.08 When Helen Colley made sticky toffee puddings for a charity coffee morning, little did she know they would eventually make her millions. budowniczy projektowanie stron www projektowanie stron internetowych tworzenie stron www stojaki reklamowe, cufflinks , bead earrings , bracelets , long necklaces , packaging , Jednym z atutw jaki zawsze pomaga w negocjacjach z odbiorc jest niezwykle konkurencyjna cena. Zazwyczaj jest ona o 10-20 od cen konkurentw. 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