#Brockton MA home values

[vicenterealty]

Comprehensive Guide to Houses for Sale in Brockton, MA

Are you considering purchasing a home in Brockton, Massachusetts? This vibrant city, often referred to as the "City of Champions," has become a hot spot for homebuyers looking for affordability, convenience, and community. Whether you're a first-time buyer or looking for your next property investment, there are numerous houses for sale in Brockton, MA to explore. In this blog, we’ll walk you through the benefits of buying in Brockton, what to expect from the housing market, and how to find the perfect home with the help of Brockton, MA homes for sale experts at Vicente Realty.

[dumpsterrentalcrewbrockton]

Efficient and Reliable Dumpster Rentals in Brockton, MA

Brockton, Massachusetts, a city rich in history and vibrant community life, often finds itself bustling with various projects and activities. Whether you're undertaking a home renovation, managing a construction site, or organizing a community event, efficient waste management is a crucial aspect of ensuring a clean and organized environment. This is where reliable dumpster rentals in Brockton come into play, providing a convenient solution for handling waste disposal. In this article, we will explore the benefits of dumpster rentals in Brockton and how they can contribute to the success of your projects.

Tailored Solutions for Every Project: One of the key advantages of opting for dumpster rentals in Brockton is the variety of sizes available. Whether you're tackling a small residential cleanout or a large-scale construction project, you can find a dumpster size that fits your specific needs. This flexibility ensures that you only pay for the capacity you require, making waste management both efficient and cost-effective.

Convenient and Time-Saving:Time is often of the essence in any project. With dumpster rentals in Brockton, you can streamline the waste disposal process, saving valuable time and effort. Instead of making multiple trips to the local landfill or waste disposal site, you can conveniently dispose of all your waste in one central location. This not only increases productivity but also allows you to focus on the core aspects of your project.

Compliance with Local Regulations:Proper waste disposal is not just a matter of convenience; it's also a legal requirement. Dumpster rental services in Brockton are well-versed in local regulations and waste disposal guidelines. By choosing a reputable rental provider, you can ensure that your waste is disposed of in accordance with all applicable laws, avoiding potential fines and legal complications.

Environmental Responsibility:Many dumpster rental companies in Brockton prioritize environmentally friendly waste disposal practices. They often collaborate with recycling facilities and waste management centers to ensure that materials are disposed of responsibly. By choosing a dumpster rental service that values environmental sustainability, you contribute to reducing the overall environmental impact of your project.

Customer Support and Reliability:A reliable dumpster rental service understands the importance of prompt and responsive customer support. From helping you choose the right dumpster size to addressing any concerns during the rental period, a reputable provider ensures a smooth and stress-free experience. Look for companies with positive customer reviews and a track record of reliability.

Conclusion:

In conclusion, dumpster rentals in Brockton, MA, offer a practical and efficient solution for managing waste during various projects. Whether you're a homeowner, contractor, or event organizer, the convenience, flexibility, and reliability of these services make them an invaluable resource for maintaining a clean and organized environment. Choose a trusted dumpster rental provider in Brockton to streamline your waste management processes and contribute to the overall success of your projects.

http://dumpsterrentalcrewbrockton.com

[jamskills]

Efficiency and Cost Savings: Why Home Heating Oil is Worth Investing In

When winter's chill sets in, ensuring your home remains warm and comfortable becomes a top priority. Amidst the various options available, home heating oil in Brockton MA stands out as a reliable and cost-effective choice for numerous households. Let's delve into the reasons why investing in home heating oil is a smart move that not only guarantees efficiency but also significant cost savings.

Reliability and Consistency

One of the standout features of home heating oil services is their reliability. Unlike other heating sources that might rely on fluctuating market trends or availability, heating oil is consistently available.

It’s stored on-site, ensuring that your home remains warm without concern for external supply issues, making it a dependable option, especially during extreme weather conditions or emergencies.

Efficiency in Heat Production

Home heating oil burns hotter than many other alternatives, generating more heat per unit. This means you'll need less oil to warm your home to the desired temperature, saving you both in consumption and cost.

The efficiency in heat production not only keeps your home warmer but also reduces the frequency of refills, making it an environmentally friendly choice.

Cost-Effectiveness and Savings

With the ever-fluctuating prices of energy sources, cost-effectiveness becomes a significant consideration for households. Home heating oil services often offer competitive pricing and plans, ensuring that consumers get the best value for their investment.

Furthermore, the efficiency in heat production means less frequent refills, leading to long-term cost savings. When compared to other heating sources, the stability in pricing and efficiency of heating oil makes it a financially sound choice for the long winter months.

Environmental Considerations

The environmental impact of any fuel source is a growing concern for many households. While it's important to consider the environment, home heating oil has evolved to become more environmentally friendly.

Modern heating oil is cleaner and more efficient than older versions. It produces significantly lower emissions, making it a more eco-friendly option. Also, the advancement in technology has led to the creation of ultra-low sulphur heating oil, further reducing its environmental impact.

Convenience and Support Services

Opting for home heating oil services often comes with the added benefit of comprehensive support services. Many suppliers offer maintenance and service plans, ensuring your heating system operates at its best. Additionally, they provide automatic delivery services, taking the stress out of monitoring oil levels and ordering refills. This convenience, coupled with professional support, ensures a hassle-free experience for homeowners.

Investing in home heating oil in Brockton MA provides a myriad of benefits, including reliability, efficiency, cost savings, and environmental consciousness. When looking for a heating solution that offers consistent warmth, long-term savings, and environmental considerations, home heating oil stands as a practical and reliable choice for a comfortable winter.

Whether it's the efficiency in heat production, the reliability during extreme weather, or the cost savings in the long run, home heating oil emerges as a smart investment for any household looking for a reliable and effective heating solution. So, this winter, consider the warmth and comfort that home heating oil services can bring to your home.

Conclusion

Home heating oil services offer a reliable, efficient, and cost-effective solution for keeping your home warm during the winter months. With the stability in pricing, the efficiency of heat production, and the added benefits of reliability, environmental considerations, and support services, home heating oil is a smart investment that can lead to significant cost savings.

This winter, consider the advantages that home heating oil in Brockton MA can bring to your home, making it a comfortable and cost-effective choice for your heating needs.

Source From: Efficiency and Cost Savings: Why Home Heating Oil is Worth Investing In

[bostonshortsales]

Boston Short Sale

1313 Washington St #115A, Boston, MA 02118

http://www.bostonshortsales.com/

Boston short sale requires skills for a real estate agent and the short sale approval can very much depend on how your agent negotiates with the lender and buyer. Our short sale team has a high success rate on approvals from the banks and closed short sales in Boston, Worcester, Cambridge, Brockton, Lynn, New Bedford, Chelsea, Quincy, Somerville, Newton, Watertown, Melrose, Medford, Woburn, Brookline, Everett, Winthrop, Revere, Malden, Arlington, Belmont, Milton, Winchester, Dedham, Braintree, and Framingham, Massachusetts. Short sale Boston only happens when there is an absolute guarantee that the money value of your house can not increase in the future. To avoid the risk of a full loss, the bank frequently accepts the reduced amount of short sale. By doing a short sale, we merely imply that you can sell your undervalued home to another buyer with the authorization of your bank. If the amount owed to the bank takes place to be more than the amount you will really get, in case you sell your home, then the best decision would be to do so. If the bank agrees to a Boston short sale, you can sell the house to a buyer at its decreased value and obtain the balance written off by the bank. Our experienced Boston short sale realtor is knowledgeable of the entire landscape of foreclosure avoidance options. Foreclosure situations tend to be extremely time-sensitive. If your home is upside down and you haven’t done a short sale, your time is running out. The sooner you start, the more options are available.

Monday-Sunday 9AM-7PM

[umblr1321t]

The Codfish State Deck

Are you seeking creative ways to boost the appeal of your home, or do you prefer sipping your coffee outdoors? Building a deck can be an excellent way to add functionality and beauty to your property. 

We understand why you find yourself standing aimlessly in your yard sometimes. Maybe you want to work on your next book, and nature inspires you to pen down your first chapter, or perhaps you are trying to find relief in the soothing outdoor atmosphere. 

Whatever it is, we know that utilizing your yard for numerous purposes makes sense. For this reason alone, Massachusetts Deck Builders offer quality deck solution services to spruce up your outdoor space. 

Adding a deck to your home boosts your property’s value and offers endless ways to utilize the space. You can enjoy a BBQ night with your friends, host special events, have a family meal, or relax while watching the sunset. Besides, nature lovers can enjoy the sight of cherry blossoms in early spring and snow during the winter season.  

Perhaps this explains why homeowners plan to add decks to their homes to make their property more valuable, attractive, and practical.  If you’re in the same boat and are uncertain how to go about it, Deck Builders Massachusetts MA has got you covered; from contemporary deck installation to repairs, we offer countless deck Builders in Massachusetts MA services to elevate your lifestyle.

Address: 1324 Belmont St, Brockton, MA 02301

Phone: 413-299-2298

Business Hours: Mon-Sat 8am-8pm

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[idealjewelryandloan]

Jewelry from a Pawnshop

Ideal Jewelry & Loan are less risky for the pawnbroker. If you consent to the price and the lending, you will get money in the quantity set. The loan quantity when the finance, plus any passion, is paid completely, you'll get your product back. If you have a value you don't mind parting with and don't want to worry about repaying a loan; it may be easier to sell.

Pawn Shop Weymouth Ma Like pawn shops, some specialize in higher-end products, while others supply far better lending prices than others. Do your due diligence with a pawn shop? Stability and professionalism are of miraculous importance-the highest possible funding cost do not necessarily make the very best offer.

If you're thinking about pawning a thing rather than selling it, here's how pawn financing. When you generate an item of precious jeweler or various other items to the pawn store, the residential property is evaluated, preferably by an expert appraiser. The evaluator, after that, offers you a cost for your item, the rates of interest on the finance, and various other conditions of the finance.

You will find a pawn shop where you can pawn or sell your belongings for a profit. It is home to most towns and cities, as well as a variety of pawn shops that can convert your current merchandise. Bring your items to any pawn s

Since recorded history, gold and jewelry have been considered assets. Purchasing gold and precious metals is one method of accumulating wealth. Gold buyers have always profited in the long run as gold has steadily increased in value in today's volatile markets. Those who invested in gold, silver, and other precious metals are now reaping the rewards. Precious metal prices have skyrocketed, and many people are taking advantage of the opportunity to sell at the new highs.

Before obtaining a loan from a pawnbroker, it is a good idea to do some research. And you might not know which one to pick. You don't want to trust your valuable thing to an unknown person, even if it's not that significant to you.

Some items, like tools and furnishings, are straightforward to acquire, given that they can typically evaluate their problem with a thorough look-over. . Pawnshop proprietors are not specialists in fashion jewelry. While the family-owned facility on Pawn Stars will work with an evaluator to set a fair rate, Fashion jewelry pricing exceeds what the buyer thinks the product deserves since many elements are involved in the investment.

For More Info:-Sell My Guitar Brockton Ma

Sell Guitar Brockton Ma

[localizee]

Our focus is empowering you to make a financial choice that fits your needs and your finances.

[vicenterealty]

Brockton, MA Real Estate for First-Time Home Buyers

Are you a first-time home buyer looking to settle in Brockton, MA? Our local real estate experts are here to guide you through every step of the home-buying process. With a deep understanding of Brockton’s housing market, we help you find affordable homes that meet your needs and budget. From securing financing and understanding mortgage options to navigating inspections and closing, we make the journey smooth and stress-free

[mayflowerroofing]

Protect Your Home with the Best Roof Replacement Services

Building a dream house is everybody wish. You want your property to be best and look lovely. Everybody thinks of the design and architecture and no longer much choice is given to the roof, until one day you locate the roof leaking. Then you are in trouble. The residence roof ought to receive as a great deal significance as different elements of the building, because it protects you from solar, rain, wind and so on and are at risk of damage. The roof being the most distinguishable feature of your private home, it ought to be sturdy and stable.

 The roof changes the arrival of your property. Roof replacement Brockton ma, you choose can make your property appearance more lovely. A lot of making plans and wondering must be made earlier than you make a decision which sort of roof is the exceptional or that is the pleasant roofing fabric, fee concerned and so on. Before you construct your private home, you can talk about this with the roofing contractors, who will provide you with the great recommendation.

 The roof may be flat or sloping and exceptional kinds of substances like tiles, steel, fiberglass shingles, asphalt shingles, slate roofing and so forth. But there are numerous people these days who pick a steel roof due to the fact its miles mild-weight and fire and wind resistant and very long lasting. Residential metallic roofing can last from 50-a hundred years. Now, let's have a look at the numerous steel roofing substances. They are, copper, aluminum, metallic, alloys and stainless-steel.

 Roofing repairs are a huge headache. Metal roofs are pretty cooling and clean to install, but if there may be a repair, then its miles very difficult. Tile roof restore includes the changing of broken tiles. If you are trying to do it yourself, be cautious that you do not spoil more tiles even as taking walks at the roof.

 Sometimes you might must do small roof upkeep or substitute of some tiles on the roof, however the whole roof replacement will value you plenty. Many people are changing their roof and deciding on color bond roofing. Colourbond is the emblem name of a covered metal product and a color bond roof seems higher and more current than the traditional tile roof. There are many Roofing Brockton ma, who offers professional carrier in regards to set up and repair of roofs.

 For More Info:- Roofing Plymouth ma

[jamskills]

Fuelling Efficiency: Choosing the Right Oil Company

When it comes to keeping your home warm and cozy during the colder months, selecting the right oil company is a crucial decision. The heating oil you choose can significantly impact your comfort, energy efficiency, and overall satisfaction. In this blog post, we'll explore the key factors to consider when selecting an oil company Brockton MA, ensuring you make the best choice for your heating needs.

Understanding Your Heating Oil Needs

Before you start searching for an oil company, it's essential to understand your specific heating oil requirements. Factors like the size of your home, the climate in your region, and the efficiency of your heating system can all influence your choice.

Pro tip: If you're unsure about your heating oil needs, consider reaching out to a reputable local oil company for guidance. They can provide valuable insights based on your unique situation.

Reputation Matters

When it comes to selecting an oil company, reputation matters. A company with a solid track record of reliability, customer service, and quality oil products is likely to provide a better overall experience.

To gauge a company's reputation, take the time to read online reviews, ask for recommendations from friends or neighbours, and check if the company is a member of industry associations. Doing your homework can help you avoid potential headaches down the road.

Pricing and Payment Options

Heating your home with oil can be a significant expense, so it's important to consider pricing and payment options when choosing an oil company. Some companies offer fixed pricing plans, which can provide stability and predictability in your budget. Others may offer various payment options to suit your needs.

Don't forget to inquire about any additional fees or charges that may apply, such as delivery fees or minimum purchase requirements. Understanding the full cost structure can help you make an informed decision.

Delivery and Service

Timely and reliable delivery of heating oil is crucial for maintaining a comfortable home. When evaluating an oil company Brockton MA, inquire about their delivery schedule and emergency service options.

Consider whether they offer automatic delivery, which can save you the hassle of monitoring your oil tank levels. Additionally, ask about their response time for emergencies, especially during extreme weather conditions.

Environmental Considerations

In today's world, environmental concerns are more important than ever. If you're environmentally conscious, look for a company that offers eco-friendly heating oil options. Some companies provide biofuels or low-sulfur oil, which can reduce your carbon footprint and contribute to a cleaner environment.

Furthermore, inquire about the company's commitment to sustainability and their efforts to minimise their impact on the environment. Choosing a company that shares your values can make a significant difference.

Conclusion

Selecting the right oil company is a crucial step in ensuring your home stays warm and efficient. By understanding your heating oil needs, researching the company's reputation, considering pricing and payment options, evaluating their delivery and service reliability, and factoring in environmental considerations, you can make an informed decision that keeps you comfortable and environmentally responsible.

Remember, your choice of an oil company Brockton MA can have a lasting impact on your home's efficiency and your overall satisfaction. So, take your time, do your research, and make the choice that's right for you. Stay warm and efficient all year round!

Source From: Fuelling Efficiency: Choosing the Right Oil Company

[noonanwaste-blog]

Contact Leading Company For Residential Trash Pickup Services

Bulk trash pickup drivers have long periods of experience and will make certain to leave your home similarly as it was before they came. Their long stretches of driving experience will guarantee that no tire checks or trash will be left in the tracks of the trucks. Their exit is as swift as their passage.

While considering a bulk trash pickup service there is no motivation to pick generally. Booking one of these protected Brockton MA Commercial Dumpster professionals is as straightforward as it can get. The dispatchers will converse with you via telephone and will ensure that they have the most moderate costs around. Why stick around and watch your trash heap up when group laborers are prepared to get it whenever in a professional way. If you have any uncertainty about the occupations these laborers can deal with then a worker will be happy to respond to any inquiries to guarantee that no issues will emerge upon pickup.

Dumpster rentals will profit you in the above expressed manners just when you get related with the perfect seller who doesn't give you shortcoming guarantee and run the fair to bring your cash. The service supplier will be extremely quick in their services, quick pickup and brief conveyance. The perfect dumpster rental service supplier will be straightforward in its valuing to give the client earlier data about the cost that must be exposed before the request is put. Furthermore, you can easily hire leading company for East Bridgewater MA curbside trash residential pickup services.

[mcdonaldswoodsir-blog]

Where to find the best Homes for sale South Shore MA

Are you interested in purchasing a home in South Shore Massachusetts? In South Shore Massachusetts there are plenty of homes for sale and you can choose the best location suited to your lifestyle. In Abington 12 miles of Boston there are residential homes for sale and you will able to get a Condo with 2 bedrooms and 2 bathrooms for $304,900 and a single family home with 3 bedrooms and 3 bathrooms for $524,900.

10 miles south of Boston, is the town of Baintree which is a suburban community with lot of residential homes. It is also well located on the crossroads of route 1–93. In this area you will be able to purchase a single family home with 5 bedrooms and 2 bathrooms for $450,000 and if you are looking for a Condo in this area with 2 bedrooms and 2 bathrooms it will cost you $ 569,000.

Massachusetts Real Estate

Massachusetts real estate has around 35,353 homes for sale and if you are interested in buying a home in this area you will have to contact a buyer’s broker to visit the home and see the best location to suit you. If you go through the website and put the price and the type of home you are looking for you will see all the homes that are for sale within your budget

If you are looking for a home on the water front you will have to enter the location and see the homes available. A home of 1207 sqft with 3 bedrooms and 2 balconies located on Tremont Street in Massachusetts will cost you $489,000 lakhs.

Waterfront homes in Massachusetts

If you are interested in purchasing a home on the waterfront then there are 1,939 homes for sale. Depending on your budget you can see the different homes for sale. Median home values are $374,000. The value of the home according to the city is Boston $554,600. Cambridge $726,000, Brockton $256,500, In Lowell the value of homes is $256.000 and in Fall River the value of homes is $234,300.

The most beautiful home in Fall River occupying an area of 5000 sqft with 4 bedrooms and 3 1/2 modern bathrooms and an in-law suite on the 3rd floor will cost you $659,000. The house has beautiful woodwork and craftsmanship.

Homes in Duxbury Massachusettes

The median value of a home in Duxbury is $610,900. If you are looking for a home in Duxbury Real Estate with a living area of 840sq ft it will cost you $425,000 with 2 bedrooms and 1 balcony. It is a cape-style cottage just a few steps from the beach. It has been redesigned to increase the living area. It has updated bathrooms and stainless steel kitchen providing efficiency and utility.

If you want something more elaborate you can opt for a home occupying 2,853 sq ft. with 4 bedrooms and 3 bathrooms which will cost you $550,000

If you are looking for homes for sale South Shore MA you can visit Macdonaldwoodsir.com and find the best home suitable to your lifestyle.

[charlesccastill]

Better to Rent a Home vs. Buy in Massachusetts Heading Into 2019

BOSTON–A new study shows it is better to rent a home than buy one in Massachusetts as we head into 2019.

HomeArea.com released the Cities in Massachusetts that are Better to Buy than Rent.

Based on the latest Census Bureau data for cities with a population of 60,000 or more, the rankings were determined by calculating the price to rent ratio.

The price to rent ratio is the median home value divided by the median annual rent and serves as a benchmark for understanding whether it is better to rent or buy in an area.

A ratio under 20 are likely more affordable to buy, and a ratio over 20 are better to rent.

Of the 15 cities with a population of 60,000 or more, only 1 is better to buy while it makes sense right now to rent in the other 14.

Here is the list of cities better to buy (ratio less than 20):  

Springfield, MA 18.4

Here is the list of cities better to rent (ratio more than 20):  Newton buying the worst city to buy a home in.

Worcester, MA 20.2

Brockton, MA 21.4

Lowell, MA 23.2

Lawrence, MA 24.4

Quincy, MA 26.8

Framingham, MA 27.8

Lynn, MA 28.6

New Bedford, MA 28.7

Boston, MA 31.5

Cambridge, MA 31.6

Fall River, MA 32.6

Somerville, MA 34.4

Newton, MA 46.6

from boston condos ford realtor https://bostonrealestatetimes.com/better-to-rent-a-home-vs-buy-in-massachusetts-heading-into-2019/

[jeroldlockettus]

Who Decides How Much a Life Is Worth?

After 9/11, Congress authorized unlimited funds to compensate the families of victims. It was Kenneth Feinberg’s job to distribute that money, assigning a monetary value to each of those lives. (Photo: Wally Gobetz/flickr)

Our latest Freakonomics Radio episode is called “Who Decides How Much a Life Is Worth?” (You can subscribe to the podcast at Apple Podcasts, Stitcher, or elsewhere, get the RSS feed, or listen via the media player above.)

After every mass shooting or terrorist attack, victims and survivors receive a huge outpouring of support — including a massive pool of compensation money. How should that money be allocated? We speak with the man who’s done that job after many tragedies, including 9/11. The hard part, it turns out, isn’t attaching a dollar figure to each victim; the hard part is acknowledging that dollars can’t heal the pain.

Below is a transcript of the episode, modified for your reading pleasure. For more information on the people and ideas in the episode, see the links at the bottom of this post. And you’ll find credits for the music in the episode noted within the transcript.

*      *      *

When something terrible happens — something truly terrible, a mass shooting or a terrorist attack — there is a man whose phone, eventually, will ring.

Kenneth FEINBERG: My name is Kenneth Feinberg, I’m a lawyer here in Washington, D.C.

Feinberg grew up near Boston — in Brockton, MA.

FEINBERG: Brockton High School, graduate; University of Massachusetts, graduate; New York University School of Law. And then I was asked by the Chief Judge of New York State to clerk for him.

This was in 1970. As Feinberg’s career progressed, he got to know many of the chief judge’s other former clerks.

FEINBERG: One of whom was the very distinguished eminent Federal District Judge Jack B. Weinstein in Brooklyn.

One day in 1984, Feinberg got a call from Judge Weinstein. By this time, Feinberg had put in time as a federal prosecutor and as chief of staff for Senator Ted Kennedy. Now he was in private practice. What did Judge Weinstein want?

FEINBERG: Weinstein had assigned to him the Agent Orange litigation brought by Vietnam veterans against the chemical industry — Dow, Monsanto — alleging certain physical injuries and deaths attributable to inhaling or swimming in the herbicide Agent Orange while serving in Vietnam.

Stephen DUBNER: For those who don’t recall or know, Agent Orange was an exfoliant meant to burn the shrubs off to give American soldiers an advantage, yes?

FEINBERG: That’s right, so the Viet Cong couldn’t hide and ambush American soldiers. Well, Vietnam veterans came home with chloracne, with soft tissue sarcomas, with other cancers. And Judge Weinstein had that case — very complicated, very complex medical case — and on the eve of trial, he asked me would I be willing to come to Brooklyn to mediate a settlement of that case and then design and administer a compensation program for eligible Vietnam veterans?

DUBNER: So, Judge Weinstein knew that you very much admired him. Was that in any way his putting his thumb on the scale in that case?

FEINBERG: Yes, he put his thumb on the scale to get it settled. I don’t think he put his thumb on the scale as to what the amount should be, or whether the chemical industry had a better case than the Vietnam veterans. He put his thumb on the scale only in the sense that, “Let’s try and resolve this case rather than litigate the case, and then appeals and five or six more years of uncertainty.” He saw the necessity of trying to bring the litigation to closure. And he also saw that legally, the veterans had a tough case, they may not win.

DUBNER: Were you aware of any previous programs, or any previous settlements that were even close to similar to that in terms of scope and magnitude?

FEINBERG: No. Unprecedented. Writing on a blank slate. So I accepted the assignment at the request, of course, of the court. And in eight weeks, we settled that massive, complex litigation. Once I did that, everybody started calling me.

The Agent Orange settlement didn’t please everyone. In fact, there’s barely ever a settlement like this that leaves everyone happy. Because underlying each case is a tragedy that dollars cannot repair, a tragedy requiring a thankless and perhaps impossible calculus. But that’s when Feinberg’s phone rings.

FEINBERG: It might be a Governor — Hickenlooper in Colorado after the Aurora movie shootings. It might be a mayor — Menino in Boston, after the Boston Marathon bombings. It might be the president of Virginia Tech University.

There was one tragedy that differed from the rest — on several dimensions.

FEINBERG: The 9/11 Fund was fascinating because Congress authorized unlimited funds. “Whatever Feinberg thinks is appropriate, fine with us. We don’t know how to value these lives.”

Today on Freakonomics Radio: how do you put a monetary value on a human life?

*      *      *

It’s been happening with increasing intensity, if not quite regularity. The gun massacres at Sandy Hook Elementary School in Connecticut; at the Pulse nightclub in Orlando; at the country-music festival near the Mandalay Bay hotel in Las Vegas. When the call comes, Kenneth Feinberg sets aside his regular legal work and takes up the case, usually working pro bono.

DUBNER: I know every case is different. There’s a different set of victims, there’s a different motivation, there’s a different pool of money, there’s a different public sentiment. Walk us through how you get involved, how you assess the landscape, and then how you begin to make it happen.

FEINBERG: So, on the agenda — one, somebody initiates it. Not me, I get the call to design it. Somebody initiates it, then the very next question you have to ask: how much money do you have to distribute? That drives everything. Until you know whether you’ve got a billion dollars, $5 billion, $20 billion, $3 million, $8 million, there’s nothing to plan; you can’t decide and design a program until you know how much money there is that you’re going to allocate to victims.

Then you ask, based on the amount of money, who’s eligible? The dead? The physically injured? What about those who didn’t suffer any physical injury, but are now so mentally incapacitated they can’t get out of bed? Are they eligible? Then you have to ask — very important — what is the methodology that will be used to calculate how much goes to each individual? Do we base it on our tort system — if somebody gets hit by an automobile or falls off a ladder — that system? Does one size fit all, all lives are equal, everybody gets the same? You’ve got to decide what methodology will be used.

And then after you’ve got eligibility and methodology decided: what proof does a victim — alleged — have to submit to me to corroborate the claim? And then, finally, do you want to give every eligible victim, or their family, an opportunity to be heard, to come in and talk with me? Once I get that call, those are the issues that have to be addressed.

DUBNER: In the time between the event itself and you getting the call — let’s say it’s the Vegas shooting or it’s the Orlando shooting — what are you thinking? Are you waiting for the call? Are you thinking about that event, are you assessing in any way?

FEINBERG: I’m not waiting for the call. I hope the call won’t come. And if it does come, I hope that it will come later rather than earlier. The more time that goes by after a tragedy, you hope there’ll be a dampening of the emotion of the survivors and the victims. Emotional trauma is the single biggest handicap — obstacle — to successful implementation of these programs.

DUBNER: You’ve said in the past that the single, maybe most common, heartache of 9/11 victims’ families was the lack of a body. Yes?

FEINBERG: Yes.

DUBNER: Did that surprise you?

FEINBERG: It surprised me. The depth of the emotional angst when mothers and fathers would come to see me and say, “You know Mr. Feinberg, you’re offering me $4 million, and they haven’t even found my daughter’s body. And probably never will.” That raises the emotional stakes of a hearing, of a give-and-take, and makes it all that much more difficult to talk in the cold world of dollars and cents.

DUBNER: One of your most unusual settlements was after the 2008 financial crisis, when the government essentially took over a number of firms, and you were called in to set the limits on their top executives’ compensation.

FEINBERG: Congress bailed out corporate America after the 2008-09 financial crisis, in order to prevent Bank of America, or G.M., or Chrysler, or Citibank, A.I.G. from going under. Taxpayer money propped up the private American business economic system. Congress passed a law, and the law said, “Well, now that we have protected these companies and bailed them out from bankruptcy, we are now a creditor.” And until the companies pay us back with interest, we will appoint the Treasury Department to fix corporate pay, the annual compensation of private corporate officials.

DUBNER: And they thought what kind of guy could we get?

FEINBERG: Populist revenge. The Secretary of the Treasury called me up and said, “We’re at Treasury, we don’t want to be in this business setting private corporate pay. What would Alexander Hamilton say?” So, this was my job for 16 months, to set individual corporate packages of compensation for the top 25 officials in the seven companies that received the most taxpayer bailout assistance.

DUBNER: And what kind of blowback did you get from them?

FEINBERG: Tremendous blowback. I did not realize how emotional this would get. Corporate officials, if I go to them and say, “You’re making $5 million a year, now I’m going to cut it back to a million,” I waited for them to say, “Oh, that means I’ll have to sell a third car. I’ll have to get rid of our estate on Long Island at the beach. I won’t be able to send my kids to Exeter and Andover,” that’s what I expected. I was wrong. Very emotional, because these corporate officials viewed their compensation as the sole barometer of self-worth.

DUBNER: And that surprised you.

FEINBERG: Surprised me? It was as emotional as 9/11. “Mr. Feinberg, if you cut my pay by 90 or 80 percent — how dare you? I have worked for 25 years for this company, I have given up my sweat and my blood and all that I could. And now you have made me worthless in my own eyes.”

DUBNER: What did you think of that argument? Did you find validity in it, or no?

FEINBERG: I found validity in the legitimacy and good-faith emotion that they exhibited. But with all due respect, that was not a rationale for me to say, “I feel bad for you, and therefore I won’t cut your pay.” Congress passed a law. I was frankly astounded, at the emotional mirror of self-worth that was reflected in what your check says every week. What about the church and your role on Sundays at the church? What about your three children and how well they’re being raised? What about the loving family that you’ve got? Nope.

There is, of course, a big difference between a government clawback from corporate executives and distributing money to the victims and survivors of a mass shooting or a terrorist attack. And in most of the latter cases, the funds are coming not from an institution or a government, but from public donations. The OneOrlando Fund, for instance, was set up to help victims of the Pulse nightclub shooting, in which 49 people were killed and dozens injured. The fund received more than $31 million in donations. Of that, Feinberg distributed more than $17 million to the families of the people who were murdered. The victims who spent time in a hospital but survived got between $69,000 and $321,000. People who were in the nightclub but weren’t hospitalized got a bit more than $26,000 each. When it comes to putting a price on human life and suffering, Feinberg is hardly reinventing the wheel.

Kip VISCUSI: There are actually lots of different ways to do it.

That’s W. Kip Viscusi

VISCUSI: I’m an economist, and I’m a professor at Vanderbilt University.

Viscusi’s work has focused on a widely used metric called the Value of a Statistical Life.

VISCUSI: The value of statistical life refers to how much it’s worth to prevent one expected death.

Some people — especially if it’s their own death they’re trying to prevent — would put that number at infinity.

VISCUSI: Everybody who thinks that life should have an infinite value should instead ask themselves the question, “How much would you pay for a car that’s safer but by a trivial amount?” And most people are not willing to pay an unlimited amount of money for this slightly safer car.

There’s another complication to statistically valuing a life, an even harder problem to solve.

VISCUSI: Lots of people say that even placing any dollar number on life devalues life. So we shouldn’t be doing it at all. But, as a routine practice, government agencies have to make decisions. So either implicitly or explicitly, they’re going to be valuing life, and we want them to use the right numbers.

Okay, so what are the “right numbers,” and how do you get there? Let’s start with the way it used to be:

VISCUSI: So, used to be, the government agencies — such as the Occupational Safety and Health Administration — did not want to explicitly say that they are placing a value on life. Instead, they called it the cost of death. Well, the cost-of-death figures only capture the income lost to survivors. They don’t capture how much you value your own life and how much you value staying alive. So what you really want to know is, how much are people willing to pay and how much is society willing to pay to prevent the risk of one expected death? And the way I’ve looked at it is by examining how much workers require in terms of compensation to face extra risks of death on the job. And if you do that, you come up with the number in current dollars of about $10 million.

In a perfect world, the compensation for risky work would inevitably price in that risk. But, as Viscusi explains, the world is far from perfect.

VISCUSI: What I’ve found is that whether you get paid or not depends in part on who you are. So, immigrant workers — particularly Mexican immigrants who are not fluent in English — work on jobs that are 50 percent riskier than the average job, and they don’t get extra pay for the risk. These are the areas where we need more government regulation and more vigorous enforcement of the regulatory standards. I would not place a lower value on their lives simply because they have fewer opportunities. If you gave them these opportunities, they would have different values.

Viscusi’s calculations are, well, calculated. Even rational, perhaps. The problem is that rationality often dissipates once a terrible thing happens — when people are hurt or killed by a company’s product and there’s a lawsuit.

VISCUSI: I’ve done studies with mock jurors, hundreds of mock jurors, where I presented them with different case scenarios. In some case scenarios, the companies didn’t place a value on life at all. Other scenarios, the company placed a value based on the lost earnings. Another variant was, the company placed a value on life based on the government’s value of statistical life. What I’ve found is that you get a seemingly perverse result, which is that if the companies value lives more — let’s say they value lives at $5 million or $7 million instead of a few hundred thousand dollars — jurors want to send companies a signal that they disapprove of what the company’s done. So, they want to punish them with an award that exceeds whatever dollar number the company used. If the company used a number of $300,000, then punishing them a million dollars would send them a price signal. But if they valued the life at $5 million, you have to punish them with a penalty of $10 million, in order to let them know that they’ve undervalued life.

And there’s another complication: are all lives valued equally?

FEINBERG: This is a capitalist society.

Ken Feinberg again.

FEINBERG: Money has always been the vehicle to lift up the innocent or the victim, and that is something that is American. “Gee, you’re giving different amounts to different individuals? That doesn’t sound very American.” It is very American. If somebody gets hit by an automobile or falls off a ladder, the stockbroker and the banker get more than the waiter, the bus boy, or the fireman. That’s the American capitalist system, and that’s the role of money in trying to temper the unfortunate.

*      *      *

Kenneth Feinberg is a lawyer in private practice in Washington, D.C.

FEINBERG: And I have the task after certain tragedies of trying to calculate what amount of public or private compensation should be allocated to particular victims.

If you’ve heard of Feinberg before today, it’s likely because one of the tragedies he worked on was the 9/11 terrorist attacks. He sought out that job.

FEINBERG: That’s correct. Once the legislation was passed by Congress and signed by President Bush saying there would be a fund, I suggested to both Senator Kennedy and Senator Chuck Hagel, a good friend of mine, from Nebraska, Republican, I’d be interested. Well, that’s all it took. They together contacted John Ashcroft, the Attorney General, President Bush, and I got the job.

This job was, for many reasons, different from any other — the scope of the tragedy; the political, economic, and emotional tensions; and, perhaps most distinctively, the source of the settlement money.

FEINBERG: The 9/11 Fund was fascinating, because Congress authorized unlimited funds. “Whatever Feinberg thinks is appropriate, fine with us. We don’t know how to value these lives.” And in that program, I spent taxpayer money, $7.1 billion. I thought that the Congress would hang me. And, instead, the Congress was very, very satisfied.

DUBNER: There were a lot of things about the 9/11 Victim Compensation Fund that were unique. The airlines and other industries, for instance, didn’t contribute one cent. The legislation was written essentially to protect the airline industries and other industries, maybe insurance firms, from going out of business.

FEINBERG: It basically — although the program was voluntary — it encouraged all victims who lost loved ones in the World Trade Center, the airlines, the Pentagon, to divert themselves out of the legal system, come in for a special award, and promise on a signed piece of paper, “I will not sue.” If you’re giving immunity, in effect, to the airlines, who can’t be sued for negligence, or Boeing, “the cockpit door wasn’t secure, the security system was negligently installed” — if you are giving them sort of immunity from suit, well, what about the victims, who paid the price?

Congress decided, we better balance it. We’ll make it very difficult to sue the airlines or the World Trade Center, but at the same time we’ll make it very easy for victims to get compensated without suing. So that was the balance that was struck. That meant — the minute I saw that, that voluntary applicants have to sign a paper, “I will not sue” — well, that means everybody who filed a claim has to receive a different amount of money. A stockbroker or a banker or a high-priced lawyer or accountant — their survivors expect more from the 9/11 Fund in return for a promise not to sue than the waiter, the busboy, the fireman, the cop, the soldier. The minute you take a program with public money and join the litigation at the hip of the program, everybody’s getting a different amount, and that causes tremendous divisiveness.

DUBNER: I believe it was Senator Kennedy who said to you, “Listen, you need to understand that a life is a life and that while you do need to recompense more in some cases…” — can you talk about that balance you tried to strike?

FEINBERG: Of course. Senator Kennedy said, flat out, privately, “Now Ken, this is all taxpayer money, coming out of the U.S. Treasury. Make sure that 90 percent of that money doesn’t go to 10 percent of the victims. That will be a real mistake.” So, what I did under the statute, I had discretion. And I could say to a stockbroker’s widow, “You know, if you run the numbers, purely the calculation of lost earnings, your husband, over a lifetime, after taxes etc., would have made $21 million. Well, Congress never intended to give you $21 million. So, I’m exercising my discretion under the statute and I’m going to reduce it to $6 million. Now, there are very, very few people even getting $6 million. But, based on the data and what your husband was earning, and what he was likely projected to earn, you are going to be a high-end compensated individual. Whereas the waiter or the bus boy might have had lifetime earnings after taxes of $800,000, I’m going to raise you, in my discretion, closer, not to $2 million, but closer to the median of about $1.5 million.” And that way, exactly as you point out, I managed — exercising my valid discretion — to narrow the gap between the rich and the poor.

DUBNER: Did you hear a lot of complaints from the families of the highest earners?

FEINBERG: Some. A few sued. They went to federal court, claiming that I was violating the statute by not giving them their full economic lost-wage earnings.

DUBNER: They sued within the corridor of the settlement, having agreed to the settlement?

FEINBERG: No, they didn’t accept a settlement. I said, “I’ll give you $6 million instead of $21 million or $24 million.” And they said, “You are violating the statutory language,” they went to court. They all settled their cases five years later. There was never a trial, and people ask me all the time, “Did they get more or less?” Well, some may have got more. Some of may have got less.

DUBNER: Hard for you to know.

FEINBERG: Hard to know because it’s confidential, but don’t forget those families lived with this for five years, and relived it, and relived the tragedy. And at the end of the day, whatever they got, 25 percent of it went to their lawyers.

DUBNER: Do you feel it’s a more complicated calculation to do the kind of calculations that economists like Kip Viscusi do that try to put a price on, among other things, public goods, clean air and water and so on. Do you think that’s inherently a much more—

FEINBERG: Oh, much more difficult. What I do in all of these programs is not rocket science. The tough part, the debilitating part, is the emotion. The stories you hear, you wouldn’t believe. A lady comes to see me, 24 years old, sobbing, “Mr. Feinberg, I lost my husband. He was a firefighter and he died at the World Trade Center. And he left me with our two children, six and four. Now, when you cut the check from the 9/11 Fund, I’m going to get $2.4 million, tax-free. I want it in 30 days.”

“Mrs. Jones, why do you need the money in 30 days? This is public money. The Treasury has to do its due diligence, it might be 90 days. You’ll get your money.”

“I want it in 30 days.”

“Why?”

“I’ll tell you why, Mr. Feinberg, I have terminal cancer. I have eight weeks to live. My husband was going to take care of our two children. Now they’re going to be orphans. Now I’ve got to get this money while I still have my faculties. I’ve got to set up a trust, get a guardian, make sure they’ll be provided for. I don’t have much time. You’ve got to help me.”

Well, we ran down to the Treasury. We accelerated the program. We got her the check. Six weeks later, she died.

DUBNER: Did you try in the beginning to be more empathic perhaps than you realized was a good idea?

FEINBERG: Yes, and I make mistakes. You see, you make mistakes and you learn your lesson. I remember one 83-year-old man came to see me after 9/11. He said, “I lost my son. Mr. Feinberg, a father should never bury a son. I’ll never be the same. Doesn’t matter how much money you give me.”

I made the mistake of saying to this very nice man, “This is terrible, I know how you feel.”

He looked at me. Nice man. Tears. “Mr. Feinberg, don’t ever tell people like me that you know how I feel. You have no idea how I feel. You have a tough job, but those words ring hollow. They’re pretentious, they’re robotic.” Well, I’ll never do that again.

Charles WOLF: I was angry. I was very angry. Yet, at the same time I didn’t want to bite the hand that would feed me.

That is Charles Wolf, whose wife Katherine died on 9/11. He is an Amway distributor; Katherine worked with him on that business and had just started a new job as an executive assistant in the north tower of the World Trade Center. We asked our friend Anna Sale, host of the Death, Sex, and Money podcast, to talk with Wolf about his experience with Ken Feinberg and the 9/11 Fund.

Anna SALE: So, Congress takes action. Ultimately, there is one person, one man, whose job it is to be the person to give you an answer on what of this fund, this money from the government, what will be your share because of your loss.

WOLF: No, that’s not the way it worked. Real simply, this did not have a fixed amount of money allocated to it. He had the entire United States Treasury at his disposal. It was not based on how much of this money were you going to get. They made it exactly like it would happen for a wrongful-death lawsuit, they calculated it based on lost future earnings, and pain and suffering.

SALE: Did that feel like, “If he tells me he’s calculating,” — I feel like there could be more potential for frustration if you feel like he’s underestimating.

WOLF: I understood that. So, my mind was: I needed to prove how much Katherine was worth based on her current income, what her absence in our business would result in, and hopefully that everything would work out.

SALE: And when you say “had to prove,” are you sitting with spreadsheets and doing the numbers yourself?

WOLF: A lot of it, yeah. I’m gathering information, I’m gathering past information, I’m gathering data. Because the whole thing, and the issue was the non-economic damages, pain and suffering.

SALE: What was that worth? That was the question.

WOLF: Exactly. He had picked a number at that time that was 27 years old.

SALE: Based on a 27-year-old formula.

WOLF: Correct, and with no adjustments or anything. I learned that lawyers like to work on precedent, precedence. They don’t like to probe new ground.

SALE: Did you feel like he knew how to communicate with people who were in deep grief?

WOLF: No. Not at that time. No. So, I had to, shall we say, be very diplomatic about it. I had to say things in a certain way. But I had already done my homework. I knew the ins and outs of the whole thing, and I’m making sure that I attack his policies and rules, not him personally. I do remember though — because at this point you don’t know who to trust or who not to trust — and I remember, because I went after him several times. And he says to me, he says, “Charles,” in his Boston accent, he says, “Charles, I’ve heard this all before, but I’ve never heard it said so eloquently.” I’m like, is he giving me B.S.? Is he trying to placate me? Is he trying to soften me? Is he, well what what’s going on here? As he walked out of the room afterwards, he was just walking by me like this, I said, “You picked the wrong benchmark.”

SALE: I don’t know if you use the word closure when you’re thinking about your own grief, but—

WOLF: I just had a dream about her last night. Closure might be for something you go through in a divorce, and remember that old song, “I’m going to wash that man right out of my hair?”

SALE: I’ve felt that.

WOLF: That might be closure, “All right. It’s done.” That’s closure. No, there’s no closure in this. What you do is you move on in your life. But when there’s somebody that you’ve loved, deeply loved, does that love ever go away?

SALE: Would you want Ken Feinberg’s job?

WOLF: I will tell you this. Looking at it now, he had one hell of a hard job. He and I had breakfast together in ‘08. He says, “Charles,” he says, “my lawyer training taught me how to deal with other lawyers. It didn’t teach me how to deal with grieving widows six weeks after they lost their husbands.” I said, “I get that.” He had to learn. People had their spouses taken, their siblings taken, their parents taken. See, this is the thing: unless you’ve been through this —

There were times that I just wanted to be with her. I never thought of committing suicide, but I knew that I wanted to be dead so I could be with her. When you get to that level, it’s about having something in return. It’s about something. Who can value a person’s life? So what they did is they gave us what they would have made in the future. The best estimation they could. That’s the way it was. I still think that’s a fair way to do it.

FEINBERG: I’ll defend the 9/11 Compensation Fund to my grave. I think it did exactly what the American people wanted to show the world: we take care of our own. They wanted to demonstrate their sense of community with the victims. So, I think it was the right thing to do. But I think the 9/11 Fund is better studied in a history class, not a law-school class. You will never see another 9/11 Fund, I do not believe, nor should you.

DUBNER: Because why?

FEINBERG: Because you’re taking public money.

DUBNER: What if there is an event that necessitates?

FEINBERG: There’s an event every day that necessitates.

DUBNER: There’s this word that I’m sure you’ve heard a million times. The word is closure. Does it exist?

FEINBERG: No. I hear that all the time. You know, you hear this argument: “Here’s a check for two million dollars. It will bring you some small closure from the incident and the grief.” Dollars don’t do that. They’re a hollow substitute, I can tell you, for loss.

Thanks to Kenneth Feinberg for speaking with us today. If you want to learn more about his settlement work, he’s written two books: What Is Life Worth? and Who Gets What? Thanks also to Charles Wolf, Anna Sale, and Kip Viscusi.

Freakonomics Radio is produced by Stitcher and Dubner Productions. This episode was produced by Max Miller and Andy Meisenheimer, with help from Alvin Melathe and Anabel Bacon. Our staff also includes Alison Craiglow, Greg Rosalsky, Greg Rippin, Harry Huggins, and Zack Lapinski. The music you hear throughout the episode was composed by Luis Guerra. You can subscribe to Freakonomics Radio on Apple Podcasts, Stitcher, or wherever you get your podcasts.

Here’s where you can learn more about the people and ideas in this episode:

SOURCES

Kenneth Feinberg, attorney and special master of the September 11th Victim Compensation Fund.

W. Kip Viscusi, economist at Vanderbilt University.

Charles Wolf, 9/11 widower.

RESOURCES

“$7 Billion for the Grief of Sept. 11,” David W. Chen, The New York Times. (November 18, 2004).

“Corporate Risk Analysis: A Reckless Act?,” W. Kip Viscusi (2000).

EXTRAS

What Is Life Worth? by Kenneth Feinberg (PublicAffairs 2006).

Who Gets What? by Kenneth Feinberg (PublicAffairs 2012).

Death, Sex, and Money.

The post Who Decides How Much a Life Is Worth? appeared first on Freakonomics.

from Dental Care Tips http://freakonomics.com/podcast/kenneth-feinberg/

[vernicle]

Golf Classic to Benefit the Boys and Girls Club of Marshfield

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[ad_2] Source by Steve Dubin

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