Sunday, June 29, 2008

Do You Need A Permit For Bathroom Remodeling?

For some bathroom remodeling projects, you need more than just the right skills and a well thought-out plan—you need your town’s permission to start and complete the renovation. Often, a permit is required to ensure that any changes will meet current building, electrical, plumbing, and fire codes. This helps protect the homeowner from unscrupulous contractors, or violations of safety regulations that may result in accidental property damage or injury, or liability when the house is sold.

The building permit is obtained from your local municipal planning department and works in two stages: (1) approval of the initial remodeling plan; and (2) certification that all work has been done satisfactorily.

How do I know if I need a permit in the first place?

This is the major question most people have when it comes to bathroom remodeling. If you're making minor changes that can be easily reversed, or if the building’s infrastructure and systems are not significantly altered, a permit probably isn’t necessary. Major improvements, however, such as re-wiring, new plumbing, construction or demolition, generally require official permission before work begins. If in doubt, talk to the planning department first: in many municipalities, the building inspectors are more than willing to explain what’s needed to do the job correctly.

To obtain a permit, you or your contractor will be asked to complete some forms, and supply sketches or architectural drawings, that detail the work to be done and materials used. This plan will then be reviewed by the planning department to see if it's structurally sound and up to code. If not, you will be asked to revise it. Permit fees vary according to the project’s size and projected cost.

How to create a plan that will pass inspection

If you’re a relative novice doing the work yourself, discuss your ideas first with a bathroom-remodeling professional, or someone at the planning department, or a knowledgeable neighbor who’s already been through the process. Once you’ve worked out the details, get cost estimates for your materials and any needed tools by checking out prices with local or online merchants. Any cost cutting your budget requires should not be at the expense of satisfying code requirements. Otherwise, your permit will not be issued.

If you hire a licensed contractor to do the work, he or she can help you fill out the permit application, or on large renovations, file it for you as part of the job.

The second stage of the approval process comes before the finishing work begins: the major alterations are complete but still exposed to view. An inspector comes to the site to see if everything has been done according to plan. If not, further modifications will be necessary before the project is approved.

At the end of your project, you’ll hopefully have added beauty, convenience, and value to your home. You’ll also have the security, obtained through the permit-approval process, of knowing that the safety of your loved ones and possessions has been assured as well.

About the Author

Dave Robert is a district sales manager at Discount Bathroom Vanities Publishing, and an avid fixer-upper who’s been restoring old houses for more than twenty years. Readers can tap into Dave’s knowledge about home remodeling, and kitchen and bathroom design, at: http://www.DiscountBathroomVanities.com

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Why You Should Make Sure The Contractor You Hire Has Insurance

Californians spend more than $39 billion on residential construction each year. Many homeowners have discovered, especially in light of the current real estate market with declining home values, that improving their current home with an updated kitchen or bathroom, an additional room, new windows or a new roof can be a better investment than trying to sell their home and buying a new one. However, the cost of adding a room or remodeling can be substantial, so consumers need to take some time and care in planning a home improvement project.

One of the important issues in selecting a contractor is to make sure he has various types of insurance coverage. It just makes good sense to demand that your contractor has the necessary types of insurance before you go forward with a home remodeling project.

Make Sure the Contractor Has Workers' Compensation and Liability Insurance Coverage

It is a state law in California that all contractors must have Workers’ Compensation insurance, unless they have no employees and do all the work themselves. Contractor certificates of insurance need to be currently filed with the Contractors State License Board and a record of that can be found at www.cslb.ca.gov.

If a contractor’s employee gets hurt and the contractor IS covered by Workers’ Compensation insurance, then that liability is covered by the insurance carrier, not by the contractor or homeowner. Since such major injury claims can go on for years and cost large amounts of money, it’s vital when hiring a contractor to ensure that he has this coverage.

The cost of Workers’ Comp insurance has risen dramatically over the last decade due to fraud and other factors. The Governor and California state legislature have instituted effective reforms several years ago, but the cost of this insurance is still high. Some contractors try to avoid carrying this type of insurance so they can be more competitive in price. But they also may cut corners on the quality of work to your home, and they will probably carry through with this low level of professionalism in everything they do for you. A true professional will carry insurance--period.

In order for a General Contractor to hire a sub-contractor, the sub-contractor must provide proof of Workers’ Comp insurance. General Contractors are audited each year by their carriers to ensure that no uninsured sub-contractors were hired.

Liability insurance is not required by law, but it’s vital for many reasons. This type of insurance pays for damages that might occur to a property based on errors made by the contractor. Once again carrying this type of insurance is an indication of the professionalism of the contractor.

Liability coverage helps to ensure that the quality of the work done will be good for years to come. If a problem crops up with the work done, even years later, Liability insurance is the method to gain relief.

If your contractor damages your property and doesn't carry general liability insurance, you or your insurance company could end up paying for damages.

Lack of this insurance would prevent a contractor from working on more upscale projects that require certificates of insurance prior to starting any work.

Verify your contractor's insurance coverage before hiring him. It’s just an indication of professionalism and you should make it a requirement for your home remodeling project.

About the Author

Roger Perron is President of Fine Designs by Roger Perron, Inc., General Contractors (http://www.rogerperron.com), offering Architectural Design, Home Remodeling and Additions of all types, as well as Custom New Home Construction in the Los Angeles area. He can be reached at: http://www.rogerperron.com/site/contact.html.

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Saturday, June 28, 2008

Gallup & Shaefer Attorney Featured as One of the Best Lawyers in Nebraska

William Gallup, one of the partners with Gallup & Shaefer, was recently featured in Omaha Magazine as one of the Best Lawyers in the Omaha area.

Omaha, NE (PRWEB) June 29, 2008 -- One of the founding partners of the Omaha-based Gallup & Shaefer, William Gallup, was recently featured in Omaha Magazine, the local lifestyles magazine, for being one of the Best Lawyers in the Omaha area.

Gallup, who was ranked as one of the best criminal attorneys, is just an example of why the attorneys with Gallup & Shaefer are known for their emphasis on criminal defense, representing many high profile cases in the Omaha area.

The strength and breadth of the law firm's expertise, its network of reputable correspondent legal practices and strong links with the community allows for the work it undertakes to be handled quickly and efficiently with the aim of providing the optimum level of service to the client at a fair and reasonable cost.

The civil law field is of ever increasing importance to the law firm. It practices in all related disciplines such as advising clients on the establishment, structure and use of business entities and trusts and estate planning.

For more information about Gallup & Shaefer, go to www.gallupshaefer.com.

About Gallup & Shaefer:

The law firm of Gallup & Schaefer is one of the oldest and best known law firms in Omaha and was established by the founders, J. William Gallup, and James E. Schaefer, in 1982. Gallup & Schaefer has, since its foundation, established an enviable reputation as a broad based legal practice with particular emphasis on litigation, both civil and criminal. The ten attorneys in the firm cover all areas of practice in all state and federal courts, both trials and appeals. Each of the attorneys concentrates in an area of specialized expertise, including Criminal Law, Personal Injury, Probate, Real Estate, Business Planning, Contracts and Domestic Relations.

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[Via Legal / Law]

Lacerte Receives National Public Power Award

Kissimmee Utility Authority vice president and general counsel Arthur J. "Grant" Lacerte, Jr. has received the American Public Power Association's Robert E. Roundtree Rising Star Award. The award recognizes future leaders of public power systems and includes a $2,000 scholarship to attend any APPA-sponsored program.

Kissimmee, FL (PRWEB) June 29, 2008 -- Kissimmee Utility Authority (KUA) vice president and general counsel Arthur J. "Grant" Lacerte, Jr. on June 24 received the American Public Power Association's (APPA) Robert E. Roundtree Rising Star Award at the association's national conference in New Orleans, La. The award recognizes future leaders of public power systems and includes a $2,000 scholarship to attend any APPA-sponsored program.

Grant Lacerte
Grant Lacerte

Lacerte has more than 17 years of experience in public utility, regulatory and legislative practice, including serving as an attorney advisor to the Federal Energy Regulatory Commission in Washington, DC.

Lacerte currently serves as vice chairman of APPA's legal section and will assume the post of chairman later this year. He is a frequent speaker at national conferences on topics including ethics, municipal entry into the broadband industry, patent law development and the impact an avian flu pandemic could have on municipal utilities.

In addition, Lacerte serves as chairman of the Grievance Committee for the Florida State Bar's Ninth Judicial District (Osceola and Orange counties) and chair-elect of Family Services of Metro Orlando, an organization that oversees the management of services provided to abused and neglected children under the auspices of the Florida Department of Children and Families.

The Florida Municipal Electric Association in 2005 awarded Lacerte its Member of the Year award for his work in drafting legislation to govern Florida's municipal broadband industry.

Lacerte holds a bachelor's degree from Columbia University in New York, N.Y. and a J.D. degree from Marshall-Wythe School of Law at the College of William and Mary in Williamsburg, Va.

Award Background
Established in 2003, the Robert E. Roundtree Rising Star Award honors retired City Utilities of Springfield (Missouri) CEO Robert E. Roundtree for his more than 50 years of service to public power. Award recipients are considered future leaders of public power systems who have demonstrated a dedication to the goals and principles of public power and an interest in improving management and operational skills through continuing education.

About APPA:
The American Public Power Association (www.appanet.org) is the service organization for the nation's more than 2,000 community-owned electric utilities that serve more than 45 million Americans.

About KUA:
Founded in 1901, KUA (www.kua.com) is Florida's sixth largest community-owned utility providing electric and telecommunication services to 170,000 residents in five Central Florida counties.

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[Via Legal / Law]

How to Find Cheap Insurance With a Bad Driving Record

Okay, so you’re not the best driver in the world. Maybe you’ve got a few speeding tickets or other moving violations. Perhaps you got that one DUI that night coming home from the party, and it added two or three points to your license. As long as you don’t have a maxed out driving record, you can always find cheap insurance if you know where to look.

First, you need to know where to look. There are hundreds of insurance companies online that offer free quotes and comparison shopping services for your insurance needs. Companies such as NetQuote.com and Insurance.com will help you to find the cheapest deals on insurance, no matter what your driving record looks like. They offer comparisons on insurance rates from some of the top companies in the industry. In less than five minutes you can get a myriad of quotes, saving you time and the effort of searching with multiple companies.

Once you’re aware of the different options you have for insurance shopping, you need to know your driving record. You might not be aware of how many violations you have on your record, but you can obtain this information from your state or local DMV, in order to understand why you’re paying a certain rate for insurance. For example, if you get quotes that are higher than you expected, knowing your violation history will help you to understand why you have to pay more for insurance than average, and vice versa. Visit your state’s specific DMV website for more information.

Finally, it is imperative that you compare your insurance options, and don’t focus specifically on the cheapest insurance quote. Instead, you need to compare the policies and coverage that you are offered versus the rates you’re quoted. This will ensure you get the best deal on your insurance, and that you have adequate insurance coverage, should you ever need it. To get the best insurance rates, keep these things in mind:

• Less violations equal lower rates; be a safe driver and save money for it.

• Opt for traffic school when you can; this looks better on your record than just paying the fine

• Look for companies that offer discounts. Many car insurance companies will offer discounts on your rates for multiple vehicles, or even if you have your car insurance and other types of insurance, such as home or motorcycle insurance, with the same company.

• Shop around. Each company will offer something different, and if you don’t consider all of your options, you may wind up paying more than you have to for car insurance.

Remember these tips when you are shopping for car insurance and your quest should be a simple one. Also, keep in mind that all traffic violations only stay on your record for three to five years, depending on the offense and your particular state’s laws, so you need to periodically have your insurance re-quoted to see if any violations have been removed, which will lower your rates. Drive safe and good luck in your insurance search!

About the Author

Rob Skubiak has appeared in courtrooms all over Florida defending his Florida traffic ticket clients. Official Website of Skubiak and Rivas, P.A. Florida Traffic Ticket attorneys / Florida DUI Lawyers.

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Driving Distractions 101: Top 5 Reasons Drivers Don't Pay Attention

Driving was once an efficient means of transportation, with strict rules and regulations to keep motorists safe and help them to be courteous to other drivers. In today's fast paced, time-crunching society, driving has become more like a battlefield, where drivers are pitted against each other to see who can make it safely to their destination. So many people multi-task while driving that motorists have never been at a higher risk of being involved in an accident. You see them on your morning commute all the time; people on cell phones, PDAs, even shaving, reading the newspaper, and eating breakfast while driving to work. This creates a hazardous environment for everyone involved. The most common driving distractions are listed below, to inform you of what to watch out for.

#1- Cell Phones

You're driving down the highway, and suddenly you get cut off, nearly causing an accident. Then you notice that the driver is on his cell phone, and not paying attention to the road. You toss a few expletives out the window and honk your horn at him, but he doesn't even notice you. Ten minutes later, you're driving along, and your phone rings. It's your boss, you better answer it. But you aren't like that jerk that cut you off, right? Wrong. No matter how competent you think you are at driving and carrying on a phone conversation, taking that focus away from your mind can always cause a distraction and lead to traffic violations or accidents.

#2- Kids

Oh, how we love our children. Thanks to modern technology, many children are kept peaceful in the car by means of televisions and DVD players, so that mom or dad can focus on driving. Unfortunately, kids are kids, and whether they are entertained or not, they can be a distraction. As soon as Jimmy starts picking on Susie, or Susie has to "go potty," your brain is once again taken away from the task at hand: operating your vehicle. The main reason kids become a distraction, and a dangerous one at that, is because too many parents turn around to talk to them, pick something up for them, or to take something from them, while driving down the road. If you are looking in your backseat, you aren't paying attention. Reaching for things and turning around while driving is a main cause of vehicles winding up in ditches and in minor fender-bender accidents. NEVER turn your back on the road.

#3- Getting Dressed/Putting on Makeup

For every person that gets up an hour early to get ready for work or school, there are another three or four people who simply don't have the time, and do all of their necessary primping while driving. We've seen just about everything, too: men shaving on their way to the office, women putting on a full face of makeup (including eye makeup), people getting dressed, fixing their hair, and so on. If it can be done by getting up a little bit earlier, please do it. Nothing is mroe frightening than to be driving next to a car where the driver is more focused on their appearance than the road. Take the extra fifteen minutes and do it at home, and make the road a little bit safer for all of us.

#4- Eating While Driving

In today's go-go-go society, you're lucky if you get through a fast food drive thru in less than ten minutes, but what do you do once you get your food? Some people park and eat, while others take it home to enjoy, or to share with their familes. Unfortunately, too many people simply chow down while driving, which again distracts them from the task of driving and increases the risk for accidents and traffic violations. Snacking on some fries or even a burger isn't necessarily that bad, but we've all seen people attempting to eat more complicated things while driving. If you've never encountered someone attempting to down a burrito or a salad while driving, consider yourself lucky. Even though most of us have been eating on our own since the early stages of toddlerhood, it's still not a good combination to eat and drive. Especially when you're more focused on your meal than you are on driving. Is it really worth the trouble of causing an accident or risking a traffic violation to save ten minutes? Next time you think about eating while driving, take ten minutes to park and enjoy your food instead.

#5- Stress

This may sound like the odd man out on this list, but if you have a lot on your mind, you're not going to drive as carefully and as focused as the next guy who is only concerned with driving. We all have stresses in life, from bills, to work, to the kids, and so on. Although it's hard, if you can work on shutting down your brain while you drive, you'll decrease your chances of dangerous driving by allowing yourself to focus more on the road and less on your thoughts. We've all sat behind the zoned out driver that sits at a green light for ten or fifteen seconds until someone honks and brings them back to reality. Believe it or not, when many people get in fender benders or run stop lights or signs, the most common response is "I'm sorry, I guess I wasn't paying attention. I had a lot on my mind." If you're that stressed, try yoga, or writing in a journal. Even take ten minutes everyday to sit down and process all of your stresses and thoughts, so that you don't have to focus on them when you should be focused on driving.

Anything that you do in combination with driving is bad. It doesn't matter if you're on the phone, thinking, eating, getting ready, or tending to the children; it's all a distraction to what should be your only priority: driving safely. The more distractions you allow yourself to have while driving, the more likely you are to end up getting in an accident because you're not paying attention to the road. We all think that we're the best drivers in the world, and that we are fully capable of multi-tasking while driving. Whether or not this is true, you shouldn't do it because you can. Just don't do it because it's safer not to.

About the Author

Rob Skubiak has appeared in courtrooms all over Florida defending his Florida traffic ticket clients. Official Website of Skubiak and Rivas, P.A. Florida Traffic Ticket attorneys / Florida DUI Lawyers.

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Avoiding Estate Probate With a Living Trust

We have all heard the horror stories of probate. In fact, most infamously, the estate of the late Elvis Presley was significantly reduced in value to probate taxation. Just because the King himself didn't follow the proper estate planning procedures doesn't mean you should too. For good reason, it's a good idea to avoid estate probate whenever possible. The good news is that it's not a difficult or complicated thing to avoid probate.

When it comes to clearing out your estate, the probate process can be both time-consuming and costly. Even if you have a will set up, your estate must still go through the probate process. There are a few ways to avoid this, most commonly setting up a living trust. A living trust can be a great way to pass along assets without the long delays that are so commonly associated with the probate process. There are a few more ways to avoid probate like life insurance, for example, but establishing a living trust covers your entire estate.

Establishing a living trust used to be a big ordeal. You have to find an attorney well versed in estate planning issues that could draft you up a suitable living trust based on your situation. For obvious reasons, things could get pretty expensive, pretty quickly. In the past, it was just easier to draw up a simple will. But, it no longer has to be that way. He advances of the Internet have had a rather large impact on our lives. These advances have made it much easier to research living trust issues. In fact, you can do everything online now, from the research to setting up your custom living trust. And the beauty of all this is that you don't have to pay an expensive attorney to just fill out forms on your behalf. If you're like most of us that like to do things themselves, filling out simple forms is a great way to reduce the costs associated with setting up a living trust. Taking this approach has the potential to save you thousands of dollars, in fact. It's not at all unusual to see online services offering living trust set-up for small fractions of what it used to cost.

Setting up a living trust is one of the best ways to transfer your estate to another entity, but how do they work? The individual that puts their property into the living trust is named the trustor. He trustee is the individual that manages the assets and property. And of course, the individual or entity that receives the benefits from a living trust is called the beneficiary. Most of the time, the trustor plays the role of both trustee and trustor.

A living trust has several advantages when compared to a will. A living trust allows anyone to be chosen as the trustee. Also, when it comes to a will, a will is a matter of public record, where is a living trust is not. The costs associated with going through probate, with a will, are considerably more expensive when compared to setting up a simple living trust. This is important for a number of reasons; it avoids the headaches that are often associated with estate probate, saving your beneficiaries the trouble. Also, for the sake of your beneficiaries, avoiding the costs of probate will leave them with more of your estate, much like you intended. It is always recommended that you seek a qualified estate planning attorney, well versed in estate probate and living trusts, if you have complications or questions that may not be the norm.

About the Author

Setting up a living trust is one of the most critical estate planning steps in avoiding probate. for your family. However, probate is just one of the several benefits you can get from a living trust. Don't delay, set one up today.

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