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[knowsolar]

Rhode Island Solar Power Installation | Clean Energy Beat - KnowSolar

Description : Unlock the potential of solar energy with KnowSolar, your go-to solar power installation company in Rhode Island. Our team of experts will guide you through the seamless process of transitioning to clean, renewable energy, saving you money while helping the environment. With years of experience, we ensure you get the most efficient solar solutions that fit your needs and budget. Whether you're looking for residential or commercial installations, KnowSolar has you covered. Join the clean energy movement today!

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Phone: 1.401.261.4739

Cate: Solar Energy Company

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[exteriorandinteriorpainting]

Why Ma & Pop Painting is Rhode Island’s Go-To for Quality Home Transformations

Looking to refresh your home’s look without the stress? Finding a reliable painting company in Rhode Island can feel overwhelming with so many options. Whether you’re repainting a single room or revamping your entire house, Ma & Pop Painting is the trusted choice for homeowners who want top-quality service with a personal touch.

What Makes Ma & Pop Painting Stand Out?

1. Family-Owned, Local Expertise

As a family-owned business, Ma & Pop Painting isn’t your average corporate franchise. Our roots are deeply planted in Rhode Island, and we understand the unique needs of our community. From the coastal homes in Newport to the historic houses of Providence, we know how to treat different surfaces and materials based on our region’s specific weather conditions. We provide personalized care to ensure every project gets the same dedication, as if it were our own home.

2. Exceptional Craftsmanship, Every Time

At Ma & Pop Painting, we take pride in our work. Quality craftsmanship isn’t just a buzzword — it’s the core of everything we do. From prepping surfaces to applying the final coat, our team is meticulous in ensuring clean lines, smooth finishes, and durable results. Our expert painters are trained to handle interior and exterior jobs of all sizes, ensuring that the final outcome exceeds your expectations.

3. Customized Color Consultation

Choosing the right color can make or break the feel of your home. With our free color consultation service, we help you pick the perfect shades that match your style and your home’s architecture. Whether you want a modern look with bold colors or a classic feel with neutral tones, our experts provide suggestions that will elevate the aesthetic of your space.

4. Eco-Friendly Painting Solutions

More than ever, homeowners are looking for environmentally friendly solutions. At Ma & Pop Painting, we use low-VOC and eco-friendly paints that are better for your family and the planet. These high-quality products offer excellent coverage and longevity, without the harmful fumes associated with traditional paints.

Why Choose a Local Rhode Island Painting Company?

Hiring a local company like Ma & Pop Painting offers advantages that big-box competitors simply can’t. Not only do we bring a personal touch, but we’re also dedicated to supporting our Rhode Island community. When you choose a local contractor, you’re helping your neighbors thrive while getting top-tier, responsive service from people who genuinely care.

Our Services at a Glance

Interior Painting: Refresh your living spaces with expert application and fine attention to detail.

Exterior Painting: Boost curb appeal with high-quality exterior finishes that withstand Rhode Island’s climate.

Commercial Painting: Our team handles large-scale commercial projects, from office buildings to retail spaces.

Deck Staining and Painting: Protect and beautify your outdoor spaces with professional deck treatments.

Pressure Washing: Clean your home’s exterior before a new paint job or as part of regular maintenance.

Client Testimonials

Don’t just take our word for it! Here’s what some of our satisfied customers have to say:

“We hired Ma & Pop Painting to repaint our entire home, inside and out. They were professional, punctual, and delivered amazing results. Our home has never looked better!”��— Sarah L., Providence, RI

“I was impressed with their attention to detail and the respect they showed for our property. They even helped us pick out the perfect shade for our living room, and it turned out beautifully.” — Tom B., Newport, RI

Get a Free Estimate Today

Are you ready to give your home a fresh, new look? Contact Ma & Pop Painting today for a free estimate. Whether you need a small touch-up or a full-scale transformation, we’re here to help.

Ma & Pop Painting: Rhode Island’s trusted name in painting, where quality meets family care.

[unitysolarri]

Unity Solar Cleaning, Rhode Island's leading provider of commercial solar panel cleaning services. We specialize in maintaining solar farms and commercial business and industrial companies to ensure they operate at peak efficiency.

With years of experience and a proven track record, our services have been highly recommended by other prominent commercial businesses in the area. We understand the importance of maximizing energy production, and our thorough cleaning process is designed to remove any buildup that could hinder your panels' performance.

We’d love the opportunity to discuss how our services can support your operations. I’d be happy to connect further at your convenience. Please feel free to reach out directly at (401) 203-3996.

Thank you for your time, and we look forward to the possibility of working together.

[mightyflamethrower]

America’s Wind Industry Implodes: More Offshore Projects Scrapped

In the US the offshore wind industry is completely underwater, in every sense. The insane cost of attempting to (occasionally) generate electricity with no commercial value in hostile marine environments has finally caught up. Projects are being scrapped in the same way that punters rip up their betting slips when their long-shot nag fails to place.

Hubris is never far away when it comes to crony capitalists and rent-seekers promoting projects that were always too good to be true. That hubris worked a treat while gullible governments were merrily forking out endless streams of taxpayer’s money to prop up one of the greatest Ponzi schemes, of all time.

However, in recent times the politics of power have turned toxic. Power consumers are increasingly hostile to their ever-escalating power bills. With one eye firmly on the ballot box, politicos have rejected calls for even more massive subsidies from wind power outfits in the form of fixed-priced contracts at ludicrous prices – that would ultimately be added to those already crippling power bills.

All of that means wind power outfits are being squeezed on both sides – with rising construction and operating costs and shrinking subsidies (in real terms, at least).

Call it the beginning of the end, but things look less than rosy for the cats who have been wallowing in oodles of other people’s money for almost 20 years – as these pieces from the New York Post explain.

Collapse of projects shows again that wind power is not affordable New York Post James Hanley 2 November 2023

The renewable-power fantasy is being blown apart by furious financial headwinds.

Already this year projects have tumbled in Rhode Island, Connecticut and Massachusetts, and now Danish wind-power giant Ørsted has canceled two wind farms in New Jersey.

Over and over, the litany of causes is the same: inflation, higher interest rates that drive up capital costs and severe kinks in the supply chain.

These same problems are slamming proposed offshore-wind projects in New York as developers make final decisions on whether to start building turbines or cut their losses before they get worse.

Seeing that the wild cost increases threaten to make their projects unprofitable, these companies went hat-in-hand to the state’s Public Service Commission asking for increases of 35% to 65% on the price of electricity they hope to generate.

But the commission declined to dig deeper into ratepayers’ wallets, sending them away empty-handed.

The four companies behind these prospective wind farms have all taken big hits to their balance sheets. Equinor has written its value down by $300 million.

All this chaos caused a top BP executive to lament that the offshore-wind industry is “fundamentally broken.”

Indeed — and yet this broken industry is what New York’s climate activists have pinned their clean-energy hopes on.

If offshore wind had to compete on the free market, we wouldn’t even be talking about it.

The levelized cost of energy from natural gas is around $37 per megawatt hour.

The contracts the wind-energy companies struck with the state sets offshore wind’s price at $118 per megawatt-hour, three times as expensive as gas but still not enough to make turbines turn a profit.

To get out of the red, the firms had begged the PSC to jack up the price to between $140 and $190 per megawatt-hour.

These wind farms will almost certainly be built someday, even if the current contract-holders back out and the state has to rebid them.

And if it does, every bidding company will demand higher prices, socking ratepayers across the state with higher bills to subsidize them.

This is the danger of letting the government pick winners and losers. Watch the show “Shark Tank,” and you’ll see real investors having to decide whether to risk their own bankroll.

When experienced people are playing with their own money, they don’t care whether an idea sounds exciting or ticks the proper ideological boxes. They only care whether they’re likely to make money off it.

But when government provides subsidies to businesses, the investment decisions are made by folks who get to play with other people’s money.

Not having anything of their own at stake dulls their judgment, making them care more about the ideological appeal of a proposal than whether the money picked from the public’s pocket will provide a real return on their (unwilling) investment.

And while an investor will walk away from a project that’s going down the tubes, government agencies will keep throwing good money after bad — there’s no cost to them, and it hurts to publicly admit you’re wrong.

New Yorkers are capable of choosing the future they want. They don’t have to have it forced on them.

It’s time to shove the cost-immune policymakers to the side and let the market work. Let firms innovate to find affordable sources of clean energy, and climate conscious New Yorkers will beat a path to their door. [Note to James: it’s called nuclear power and New Yorkers have enjoyed it for more than 50 years.] New York Post

The wheels are coming off New York’s insane alternate-energy plans New York Post Editorial 15 October 2023

New York state’s insane renewable-energy plan is starting to implode, and the sooner Gov. Kathy Hochul and other leaders admit the truth, the better.

On Thursday, the state Public Service Commission nixed a request for vastly greater subsidies — about $12 billion worth — for 90 alternate-power projects that are supposed to provide a quarter of the state’s electricity. That would have doubled public support, most likely meaning huge increases for ratepayers in a state where power already costs far above the national average and rates are even now rising to help pay for this “transformation.” The companies involved say they’re facing far higher costs, thanks to inflation, supply-chain issues and other developments since they inked the original deals.

Many, likely most, will now look to exit.

Hochul, meanwhile, released a new “10-Point Action Plan” that rhetorically doubles down on the state’s commitment its goals but doesn’t hold a hint of how to pay for it.

The state’s 2019 Climate Leadership and Community Protection Act requires cutting fossil-fuel emissions 40% by 2030 and 85% by 2050.

Solar and (mostly offshore) wind plants are supposed to replace that electricity.

Oh, and cover the natural growth in demand for power.

Plus, New York wants everyone switching to electric cars, electric heat and electric cooking, so these green dreams require even more growth in electricity generation.

Again, the PSC’s (wise) ruling means the wheels are coming off the entire alternative-energy scheme.

Nor is that the only blow.

For example, part of the supply-chain issue is the utter lack of ships that can actually build the vast fields of offshore wind towers that New York’s leaders want.

The only vessels with that capability are foreign-flagged, and so prohibited under the federal Jones Act, a sacred cow for the American labor movement.

Then, too, plans for a battery factory in the Hudson Valley are on the brink of collapse after its CEO resigned, its stock cratered and its workers got laid off.

Vancouver-based Zinc8 Energy Solutions had won $68 million in state tax credits for a Kingston plant to manufacture long-duration energy storage systems.

Its implosion means the imagined renewables-heavy electric grid would lack crucial help in maintaining service when the sun isn’t shining or wind isn’t blowing.

Meanwhile, the folks in charge of overseeing the state electric grid have warned that this “transition” risks leaving New York City facing blackouts as soon as 2025.

By the way, statewide conversion to electric heat would mean peak power demand will come in the coldest months, not the hottest: So the blackouts won’t leave people sweating uncomfortably but instead freezing in the dead of winter.

The entire US and Western drive to end carbon emissions is a ruinous wild-goose chase.

New York’s rush to lead the way, begun simply to boost then-Gov. Andrew Cuomo’s presidential hopes, only guarantees that Empire Staters will suffer the worst ruin before reality comes crashing down. New York Post

[gmetzmoving]

5 Tips to Keep in Mind When Looking for a Moving Company

Moving company RI can be a difficult and tedious process for anyone. Whether you’re moving across the block or across the country, it’s important to find a trusted residential mover who can help you get settled in your new home. The best part is, the Ocean State is serviced by some of the biggest and most respected national moving companies! If you’re ready to start your search, here are 5 tips to keep in mind when looking for a Rhode island movers.

One of the most important things to consider when choosing a Moving company RI is the cost. The cost of moving depends on the amount of items you have to move, as well as the distance between the two locations. To save money, try to limit your belongings as much as possible. Also, try to choose a month that’s less busy for the company.

When you’re deciding which Moving companyy RI to work with, check out their reputation and customer reviews. The more positive reviews, the better! Also, make sure to ask friends and family for recommendations. Once you’ve narrowed down your options, compare prices and services to find the right Moving companyy RI for you.

Aside from residential moves, this moving company specializes in commercial and office relocations as well. The company can also handle large, high-value items and fragile objects. They also offer packing and storage services, which can help you save time and effort. You can even ask for a free online quote to see how much your move will cost.

The movers at this company are licensed and insured to provide the most reliable and dependable moving services in Rhode Island. They are highly experienced and can move any size household or business, anywhere in the United States. Their moving and storage services include packing, unpacking, unloading, and cleaning. They are known for their excellent customer service and professionalism, as well as their dedication to quality work.

G Metz Moving is an international moving company with more than 300 offices nationwide. They can handle any type of move, from a small apartment to a large estate. They can also help with specialty items, such as pianos or pool tables. They also offer a variety of shipping options, from economy to full-service. Their prices are affordable and they can be contacted by phone or fax.

[wickerresidentialcleaning]

W.R.C. SERVICES is a Commercial & Residential SERVICE COMPANY that specialize in cleaning. We service quality at affordable prices. W.R.C. SERVICES is also insured and bonded. We believe that a clean atmosphere is for everyone. Cleaning Is Our Pleasure. Additional services include: Snow Plowing, Landscaping, Pressure Wash, Handyman Services & Dog Walking.

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[emma-what-son]

How Sir Philip's son cast a spell on Emma Watson: The super-woke Harry Potter star and the playboy son of the disgraced Topshop tycoon - it's hard to think of a more unlikely romance, writes ALISON BOSHOFF

One can almost see her eyebrows raised in quizzical disdain. Hermione Granger would surely disapprove.

Pictures emerged this week of Emma Watson, the serious-minded Harry Potter actress and eco-warrior, hopping out of Sir Philip Green’s family helicopter in Battersea, South London. Curious, some would think, given Emma’s long-standing war against fast fashion, that she would accept a lift from the fallen King of the High Street.

More curious still, however, is that Emma, 31, has apparently been enchanted by Brandon Green, Sir Philip’s 28-year-old son, whose longest relationship to date seems to have been with a Belarusian bikini model. Could there be a more unlikely romance?

Aside from both being awash with money —Brandon is an heir to a £2 billion fortune, while Emma is said to be worth about £59 million —they appear to have almost nothing in common. Yet according to a friend, a certain magic is in the air.

‘Brandon has been wooing Emma,’ says one source. Another says: ‘They are an item, although she hasn’t met the family yet.’

Emma, who once mused about being ‘self-partnered’, has certainly had more suitors than her single status would have you believe.

At 17, an early boyfriend was rugby player Tom Ducker, but her most serious romance seems to have been with another rugby player — and fellow Oxford student — Matt Janney, with whom she broke up in 2015.

Then there was another Oxford student, Will Adamowicz. The relationship lasted from 2011 to 2013.

She was then seen out and about with actor/producer Roberto Aguire, whom she first met in 2005 on the set of Harry Potter And The Goblet Of Fire. She also seems to have a particularly weak spot for young tech millionaires, as she has dated at least three of them, most significantly U.S. entrepreneur William ‘Mack’ Knight, whom she split from in late 2017 following a two-year romance.

Then came a six-month love affair with handsome Glee actor Chord Overstreet. They broke up during the summer of 2018.

She was then spotted sharing cocktails with tech CEO Brendan Wallace, a New Yorker, now 38, who is co-founder of a venture capital fund. By summer 2019 she was rumoured to have moved on to another tech millionaire, Brendan Iribe, CEO of Oculus.

She most recently split from her boyfriend of two years, businessman Leo Robinton.

It’s a longer list of amours than you might expect for someone who claims to be ‘self-partnered’, but then Emma is a woman who solemnly examines her life.

‘The boyfriends or partners I’ve had have generally made me feel really cherished. They have built me up,’ she said.

Quite how Brandon — who featured in Tatler’s ‘most eligible’ list in 2014 and was once caught patting Kate Moss’s bottom — fits into Emma’s orbit of admirers, remains to be seen. Although, like Emma’s other admirers, he does have a job running a tech investments company.

So who is this handsome young man — and what does Emma see in him?

Born in 1992, he was raised in Monte Carlo with big sister Chloe. His mother, Tina, is resident in the tax haven and was the ultimate owner of the Arcadia group, which went into administration last year. He went to the principality of Monaco’s International School.

To say his was a gilded upbringing would be an understatement. A source in Monaco says: ‘All the time he was growing up, the Greens would never fly commercial, always in their private jet.

‘They have a private chauffeur and in the family penthouse at the Roccabella building in Monaco there are uniformed maids standing to attention in every room just in case someone needs something. That’s the lifestyle Brandon was born into and has always thought was completely normal.’

He and Chloe have the use of the 109ft yacht Lionchase — Sir Phil has the 295ft Lionheart —which is moored in Monaco in the winter and cruises around the Med all summer.

I’m informed that his mum will pick up ‘seven-figure’ boat bills for the pair of them at the end of the season without blanching.

Brandon’s 2005 Bar Mitzvah caused a stir. It was held at the Grand-Hotel du Cap-Ferrat, with entertainment provided by Beyonce, Destiny’s Child and Italian tenor Andrea Bocelli. There were 300 guests over three days, all hosted by Sir Phil, who was then the boss of Topshop, BHS and Dorothy Perkins, all part of the Arcadia group.

When he was younger, Brandon seemed to be happy to join Chloe in a celebrity-packed party lifestyle. Locals say he was ‘practically living in Monaco’s Sass Café and partying until dawn every morning with a bevy of models’ in his 20s.

Kate Moss — a friend of his father — spent much of her 2011 honeymoon break with Jamie Hince on board his yacht and they got on famously. In 2013 he was spotted playfully groping Moss’s bikini-clad bottom while on holiday in St Barth’s. At the time he was 21.

When she was 21, Emma Watson had been famous for a decade and had just finished making the Potter films.

While Brandon found life one long, joyful party, she was struggling introspectively with having money and acclaim. As she recently said: ‘I’ve often thought, I’m so wrong for this job because I’m too serious.’

She felt physically sick when she found out how much money she had earned from the Potter films, and considered not renewing her contract to complete them.

Following stellar A-levels, she took an English degree at Brown University in Rhode Island — over five years, due to disruption from filming.

Brandon Green doesn’t have a degree. There was some idea that he might buck the family trend and go to university, but Sir Phil told an interviewer at the time: ‘It’s up for discussion,’ and evidently it was decided that was not the right path.

Instead, he spent years learning the ropes of the fashion business with Sir Philip and working for Arcadia.

As the BHS scandal raged in 2016 — after Sir Philip sold the company to a bankrupt, with a hole in its pensions provisions — and the company went bust, Brandon was sent to host a table at the Met Gala Ball in New York in his father’s place.

For three years, he was also a regular at the Topshop show at London Fashion Week, sitting with model Jourdan Dunn and chatting to Vogue editor-in-chief Anna Wintour.

He began to go to Cannes, again as part of Topshop’s presence at the film festival, and to attend the Amfar charity gala on the arm of girlfriend Maryna Linchuk, a Victoria’s Secret model who towered over him.

But when Chloe became more involved in the family business and started designing shoes, Brandon stepped back from the spotlight.

They are a close family, all the more so since the woes that beset the Arcadia Group and Sir Philip before it collapsed. In fact, this seems to have acted as a wake-up call for Brandon.

A source said: ‘Once Philip fell from grace so badly, all the A-list celebrities and many of the world’s elite dropped the Green family completely. It really shook them up.

‘There was a party in Monaco that a family friend threw for them in the middle of the BHS pensions scandal. Brandon looked around aghast and said to Tina, “We don’t know anyone here!”

‘They felt the world hated them. Philip would fill his days doing laps of Monaco on foot with his bodyguard and personal trainer. Tina would busy herself in her art gallery or with her interior design business. There were a lot of tears; it was an awful atmosphere for the staff and for the family.

‘Brandon could see how transient popularity is and how big A-list stars had been using them for free holidays on their yachts for years. The whole experience sparked a “woke-over” in Brandon.

‘He got very interested in biodiversity and saving the oceans. He does a lot of charity and advocacy work with both Monaco’s Prince Albert’s Foundation and Princess Charlene’s Foundation. He is a trained deep-sea diver, he is very into fitness and gets involved with galas and charities that help the planet. He does frequent beach clean-ups and whatever he can to help.

‘It’s all very low-key, as he doesn’t want to be seen to be doing charity work for PR. But he’s been getting Tina to donate a hefty amount of money to charities that help save the planet too, saying they should do some good with their huge fortune.’

A second source says it is now Brandon, rather than Chloe, who is the apple of Tina’s eye, and he who is seen as the one who will eventually turn the family’s public reputation around.

A friend says: ‘He is very disciplined, intelligent and keen on study. He reads a lot, he travels a lot. He’s polite and well-mannered. Whatever he does, he embraces it fully. His parents are proud of him.’

His hobbies include skiing, at which he excels. He trains almost daily and took part in a gruelling cycling and swimming charity event last year for Princess Charlene of Monaco’s charity, going from Corsica to Monaco.

The friend adds: ‘He eats right and doesn’t drink or party — he is a very nice young man.’

How Brandon came to meet Emma, whose woke credentials may prove challenging for his family, is somewhat unclear, although it is believed his newfound interest in charitable ventures may have steered him her way.

Last year Miss Watson joined the sustainability committee at Kering, the owner of top fashion brands such as Gucci. She was labelled ‘Hollywood’s queen of ethical dressing’ by Vogue.

She has been taking a break from acting after appearing in the 2019 film Little Women but remains an active advocate for ‘race and gender justice’ via various charities. In 2014 she became a UN Women Goodwill ambassador, and she also ran a feminist book club, Our Shared Shelf, on Twitter.

She loves writing poetry, jigsaws, cats and nights in.

Her first purchase with the Potter millions was a ‘brick-like’ Toyota Prius. She said: ‘It’s sensible and boring, like me.’

Not that Emma is as staid as she says. In conversation with Gloria Steinem at an event in London in 2016, she revealed that she subscribes to a sex education website called OMGyes.

It’s a far remove from the days when she was cast in the Harry Potter films at nine years old, having been found via the theatre club she attended. She only completed filming the last Potter when she was 20, in June 2010.

Sources who knew her in the Potter days say her father Chris’s influence was paramount, even though she lived with her mother in Oxford.

The experience of growing up on Potter was so constricting and stressful, when the cast and crew held a ‘wrap party’ at Harry’s Bar after the final set of reshoots in 2010, she didn’t attend.

She said in 2017: ‘It’s something I’ve really wrestled with. I’ve gone back and quizzed my parents. When I was younger, I just did it. I just acted, it was just there.

‘I was finding this fame thing was getting to a point of no return. I sensed that if this was something I was ever going to step away from, it was now or never.’

Post-Potter, her films have been generally low-key. It is said she turned down the La La Land role that brought Emma Stone an Oscar.

Her £3 million London home was selected after she viewed it over Skype, because she can come and go unobserved.

That’s not to say her life is in any way normal: her social circle includes fashion figures such as Antoine Arnault of the LVMH dynasty, she has been the face of Lancome perfume and launched a collection with the ethical fashion label People Tree.

The question now is, will Emma finally find lasting love with a most unlikely Green?

[silvamadeline-blog]

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Three main types of business insurance coverage are, which includes such things as : , : and . We partner with top-rated insurance companies to help our clients find the best policy for their needs. Whether it’s , a small business policy, or anything in between, we provide the comprehensive auto policy and coverage the average Joe from the Bay area can handle. But the coverage isn’t always affordable. You might need some money to pay all of the legal fees, the expenses incurred due to lawsuits, and other expenses. And the company that is best suited for an expensive lawsuit could be better suited for the needs of our personal policy-holders, at large. If you don’t have coverage, some insurance companies are more flexible than others in the insurance industry. To be eligible for a policy, you’ll need some information like your name, address, signature, and date of birth. If your coverage was not offered, you should look for the company you choose. If you’re.

What’s business insurance?

What’s business insurance? When the price goes up, new policy costs for a new policy go up. You can’t get younger with auto insurance, so what does it do in the price of your policy? With most insurance methods, there s a small chance you will have to make a claim as the result of an accident. For example, if you cause someone else’s auto or property damage, they can make a judgment that damages you or incur a significant amount of repair costs. In most cases, your insurance company will then pay you a lump sum if they find out you’ve lied about some or all of your claims in order to get what you need, if there is any. One of the most common complaints about insurance companies is when you’ve gone too far with your claim for coverage. For example, if you know you’re getting back a lot of a huge settlement of a lawsuit, you might feel like you’re not getting an.

Business Liability Insurance FAQs

Business Liability Insurance FAQs What is L.I.D. Liability? -L.I.D. provides liability coverage for a large number of drivers, both on and off the road. L.I.D. is a different company than what you’ll see on the highway, and as an independent agency, we do not work for you. That’s because we work for you and not the insurance company. For that reason, we look over your insurance policy and shop for discounts, so you can get the most competitive price for what your insurance rates are determined to be. Compare Your Policies Search our site and see our overview of the best companies for automobile insurance and business. Who is L.I.D.? L.I.D. is located in Birmingham, Alabama, and has an E & R division of general general liability. L.I.D. employs a full-time staff of around seven people and has been.

Types of Insurance

Types of Insurance Policies can be divided into three broad categories: Business Auto Home Life Health Renters Umbrella Theoretical Insurance This section presents insurance policies that could protect you if you’re carrying catastrophic or business coverage on you. Depending on your state of residence, policies can last for a lifetime. The more comprehensive the policy, the greater the chance that you’ll be covered in the event you lose all of your savings and/or your home is damaged or your home is damaged in an event the homeowner would choose not to cover. The most comprehensive policy, called a business coverage, can cover you no matter what you do. Not having coverage is generally considered a bad idea, especially if you’re already covered or have the right insurance plan in place. While you’ll get a number of common scenarios such as a pet or animal, if you’ve had your pets euthanased or taken care of their euthanasia.

We ve partnered with BizCover to help you compare business insurance policies.*

We ve partnered with BizCover to help you compare business insurance policies.* There s a difference between business insurance quotes and life insurance rates! Life insurance is for your family, not for you… Read more » I have had to drop my business due to losing my insurance. I bought a new policy and lost my phone number (phone was running), phone is still around as we are unable to use or to send them insurance information through our website. Can someone please help in this situation? This is a common question. I cannot say I can’t. You may not be able to switch insurance companies and never say your company has a good reputation. It’s a sad excuse from a poor insurance and insurance agent. A couple of minutes ago i received the following statement from an insurance agent in my office: We will continue to contact you for any potential insurance company need. If you would like, you are expected to respond within 72 hours, even if you have not received an insurance request. After a few emails and phone calls from the insurance agents.

Business insurance costs

Business insurance costs are based solely on a sample driver. Sample vehicles cost between $9000-15,000, depending on the size of the vehicle and the type of coverage. Sample rates for a 40-year-old male starting at $2,100 will be around $1,500. The same formula will be applied. Drivers who drive for example, the U.S. Virgin Islands may pay $500 more for the state minimum liability or $100,00 per person per year, depending upon the number of drivers insured. The state in which a driver lives will also have greater variation. The average cost of insurance across the U.S. is $6,100 for a basic liability policy that includes 30/60/25 coverage and no coverage for property damage. For example, if the policyholder is a homeowner in Texas, the annual cost will be $1,600. In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate.

Business insurance explained, with Canna Campbell.

Business insurance explained, with Canna Campbell. “When you can t say no to anyone, when you feel like your life insurance company is helping you, there just isn t going to be any, she says. No health issues. There won’t be anything that can break your bank. In many cases, we wouldn t necessarily need to take insurance to cover our medical bills because there would still be a cost with the risk of serious injury, which is an amount that you have to pay out of pocket in the event you get injured, and there s also the high costs of medical expenses as well,” Campbell explains with Canna Campbell. “This helps people understand that no matter where you are getting your policy, there is a possibility that you could be denied coverage on the basis of your medical history. This is more of an insurance and not a medical issue. In fact, any medical issues that would arise while a policy is being offered to a person will usually have to be addressed to their insurer.�.

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Daveiga Cleaning offers super-easy & hassle-free booking solutions for all of your residential & commercial carpet cleaning needs in Rhode Island, Massachusetts & New Hampshire. We are one of the leading cleaning company with hi-tech equipments & unmatched quotations. Don't choose the rest - Hire the best. Call today!

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Commercial Cleaning Company in Rhode Island: Your Trusted Cleaning Partner

Welcome to Rhode Island Commercial Cleaning Service, where quality and reliability are at the heart of everything we do! We provide professional cleaning services for businesses of all types and sizes across Rhode Island. Our team specializes in:

- Commercial Cleaning for offices, retail spaces, and warehouses.

- VCT Floor Cleaning & Buffing to keep floors looking new and durable.

- Disinfecting Services for a safe and healthy work environment.

- Medical Office Cleaning for sanitized, hygienic spaces.

- Post-Construction Cleaning to make new builds move-in ready.

- Airbnb Cleaning Services ensuring a spotless experience for guests.

- Move-In & Move-Out Cleaning to prepare spaces quickly and efficiently.

Whether you’re a small office or a large facility, we’re here to handle your cleaning needs so you can focus on what matters most.

Contact us today to discuss your needs and get a free quote!

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RI Restoration is the best commercial and residential restoration company in Rhode Island. Our highly experienced professional team working with the aim to restore your property and peace of mind. We provide 24/7 emergency restoration services for water damage, fire damage, storm damage, coronavirus cleaning and many other services. For any query, feel free to contact us today at: 401-834-FIRE (3473)

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Driveway Cleaning in Connecticut & Rhode Island

Are your patios and driveways covered with fungus?

Mould, Spores, Algae, Lichens are just some of the microorganism that are living, multiplying and feeding on your sidewalks, patios, and driveways!

These areas appear dirty but they’re not, commercial signage cleaning company RI your driveway and patios are literally with a lot of tiny bacteria.

Pressure Washing

Pressure washing companies use many different types of driveway cleaning equipment. Things such as turbo nozzles which can break your driveway to pieces and cause damage to your patio. Many pressure washing businesses do gutter cleaning company near you not use the correct driveway cleaning equipment.

You may think it’s a good idea to search on google “Pressure washing near me” But did you know pressure washing is not the answer? Pressure washing only gives the mound a quick rinse and does not kill the root of the problem. Pressure washing will feed the algae growing on your patio and in a short time will grow back, Pressure washing actually spreads the spores around moving them to different surfaces so they can grow and multiply there too!

Instead you should be searching for soft wash near me! If you would like more information about soft washing your home or commercial parking lot cleaning near you business fill out the form on this page or call 1-800-EZCLEAN. Please contact us for a free, no obligation estimate.

Is Soft Wash the Answer?

A Soft Wash System can treat your patio and driveway, killing the fungus, Algae, and lichens completely! 1-800-EZCLEAN offers advanced Patio cleaning services and uses special Driveway cleaning equipment too. Soft washing your driveway will not only clean your driveway but it will keep it intact and looking beautiful. Talk about curb appeal!

If you need Driveway cleaning in Connecticut or Rhode Island you will be amazed at the results that can be achieved, commercial signage cleaning near you by treating and sanitizing with the Soft Wash System followed by 1-800-EZCLEAN and your patios and driveway will look brand new too!

For more details, please visit: https://1-800-ezclean.com/ or contact at: +1(860)245-9236

[bestlawfirminanekeny-blog]

Real Estate Attorneys

Have you decided to take the big step of buying a home or selling your valued property? No matter if your recent purchase is bigger or small, buying or selling real estate isn’t a simple process. There are many laws that dictate the specifics that most of you aren't acquainted with.

In such a case, a real estate attorney comes handy. You should consider hiring an experienced real estate agent to guide you through the legal process in the real estate industry. For any real estate expertise in Iowa, you should consider hiring Mark Gray – the best law firm in Ankeny.

Who are Real Estate Attorneys?

Real estate attorneys or real estate lawyers are legal professionals who specialize in the legal aspects of buying and selling real estate properties. A real estate lawyer may assist in many transactions associated with the transfer of property.

Many states in the US require the presence of a real estate during the transaction of real estate property namely

·         Alabama

·         Connecticut

·         Delaware

·         D.C

·         Florida

·         Georgia

·         Kansas

·         Kentucky

·         Maine

·         Maryland

·         Massachusetts

·         Mississippi

·         New Hampshire

·         New Jersey

·         New York

·         North Dakota

·         Pennsylvania

·         Rhode Island

·         South Carolina

·         Vermont

·         Virginia

·         West Virginia

 Although your state may not require a real estate attorney to be present during the time of the transaction you will still be required to hire one to assist you with legal formalities and processes. Consider the best law firm in Ankeny for real estate expertise in Iowa. Keep in mind that having someone who is experienced with the law on your side may help you avoid any legal problems that can cause delays to your closing, and save you money in the long run.

Why do you need a Real Estate Attorney?

According to Iowa State Law, you can purchase and/or sell a residence by using a real estate licensee. Licensee is basically a salesperson or broker. However, a licensee can only help you during the transaction.

There are real estate documents that cannot be prepared by real estate licensees. Essential documents such as deeds, installment contracts, etc. are to be prepared by a real estate attorney. Realtor, Real estate licensee, agent, and attorney play different roles to assist you in the purchase or sale of your property.

·They document and review real estate transactions, including purchases,       leases, inspections, and appraisals.

·They help to resolve title insurance and environmental issues related to real     estate law.

·When things take a wrong turn in transactions, real estate lawyers step in to file  and defend lawsuits in court. They also assist in dealing with the legal aspect of  rental property and defend the rights of owners, landlords, renters, and tenant.

·They also specialize in land use, zoning, property development, property taxes,  deeds, titles, and foreclosure.

 Why would you need a Real Estate Attorney?

Although they specialize in and apply their legal skills to matters related to real property, there are some essential things they broadly cover.

a.   Buying

Buying a new home or a property can be a serious task that requires an acute sense of expertise, especially for first-time buyers. After you’re done meeting realtors or agents and decide to buy a new property, you should consult with the real estate attorney to expedite the buying process. A real estate lawyer can help you understand the purchase agreement, prepare and process all legal documents, review closing documents prior to signature, and ensure that you receive the valid registered ownership of the new home.

According to IowaRealtors.com, Home sales grew by 3.2% in 2017 with 44,023 homes sold compared to 42,671 in 2016.

b.   Selling

Like buying, selling can be a daunting task that requires a sound knowledge of the market, taxes levied on selling properties, agreements and other legal documents. Although it isn’t necessary to place a real estate agent during the transaction in Iowa, you would still require their expertise to ease the process.

A Real estate attorney can help you draw up legal documents, review any essential document that requires a signature, arrange for the transfer of deposits/security, and make arrangements for insurance verification. Although a lawyer performs fewer duties in the selling of a property than in the buying process, you would still require their expertise.

May 2019 Property Market Indicators for the State of Iowa

New Listings increased 5.4 percent for Single-Family Detached homes but decreased 2.8 percent for Townhouse-Condo homes. Pending Sales increased 1.1 percent for Single-Family Detached homes but decreased 10.1 percent for Townhouse-Condo homes. Inventory increased 4.5 percent for Single-Family Detached homes and 1.7 percent for Townhouse-Condo homes. (iowarealtors.com)

c.   Benefits

Other than just buying and selling homes, real estate attorneys are beneficial for many reasons. They can be your front guy during any transaction. Their legal expertise and authority can help ease lots of processes.

They can also help simplify the legal jargons involved with real estate, tax, and state laws to make the process much less stressful.

Real estate lawyers may also help ensure that the client is legally covered (financially secured) during the entire deal.

According to the new state law authorized in 2018, Iowa will offer a 10-Year Tax-deductible saving account to go towards the purchase of the first home in Iowa.

d.   Expense

Real estate attorneys do not come cheap. The clean and easy finish of work requires great expertise and effort that comes for a price. Attorneys can differ in their pricing strategy that is determined by the kind of deals they’re involved in. Some may charge flat fees while others may charge by the hour.

Be prepared to pay them a fee nonetheless. Most attorneys require payment regardless of whether the deal closes or not. Although retaining an attorney for real estate deals can be an added cost, the benefits far outweigh the costs and could save money in the future.

Most attorneys charge on an hourly basis, while others may charge for the whole process. The fringe charges may range from $150-$300.

Be prepared to pay anything from the US $500 - $1500 for a wholesome attorney job.

Real Estate Issues while Buying a Home

There are many issues that you must consider when purchasing a residence. These can apply when you purchase a property without the assistance of a realtor as well as FSBO 'For Sale by owner.'

The cost of living in Iowa is 89.5, i.e. Iowa is cheaper than most other states in the U.S. The median home price in Iowa is $141,000.

i.Offer and acceptance or real estate sales contract

Under the real estate law of Iowa, a contract for the sale of the home is only binding if it is in writing signed by the parties. Since the sale often involves a huge sum of money and the legal issues can be complex, hiring an attorney to review the sales contract becomes essential.

ii.Disclosure Requirements

A seller is required to submit the ‘Residential Property Seller Disclosure Statement form’ in accordance with the law of Iowa to the buyer once the buyer tenders an offer to purchase a house. It should be completed by the seller to the best of their knowledge. Both buyer and seller during the time of the transaction or before should sign two copies of the form and each should retain a signed copy for any future legal complications.

iii.Closing Process

Once an offer to purchase is accepted, the seller will need to locate the abstract of title for the real estate and get it updated and extended by an abstract company. The abstract lists all of the documents (e.g., deeds, mortgages, etc.) that are part of the public record at the county recorder’s office, the courts, and other government offices that affect title to the property.

iv.Closing Statement

If you’re a Buyer, and you have a lender who is providing financing then normally the lender will prepare a closing statement that reflects the purchase price, applicable credits (like accrued taxes, transfer taxes, earnest money, etc.), and the amounts due to seller at closing.

For Tax Purpose

The property taxes paid in September and March each year are actually for the prior fiscal year ending June 30 hence property taxes are always one year behind. Accrued and prorated property taxes are normally taken as a credit by the buyer against the purchase price.

v. Pre-closing

The condition of the title (as shown in the abstract) can change between the date and time of the last extension of the abstract, which is usually recited in the title opinion, and the date of closing. As part of the closing, buyers should obtain from the abstract company an oral update summarizing whether there have been any changes to the condition of title.

vi.Post-closing

After closing, the buyer or the buyer’s lender will want to record the deed, DOV, and GWHS. The abstract should be kept by the buyer or their lender.

 The above details are furbished from the source IowaBar.org

 Did You Know about Iowa Homestead Law?

Buying a new home also comes with the possibility of losing it. Especially when you don’t have money and creditors come calling. The primary concern should be saving your home. The Hawkeye state homestead protection laws of Iowa is designed to protect citizens from losing their homes in the event of a bankruptcy. These statutes allow a person in debt to set aside a specific amount of real property, referred to as a "homestead," that would be off-limits to certain types of creditors. The Hawkeye State allows citizens to set aside 40 acres of rural property or a half-acre of urban property under its homestead protections and caps the value of the protected personal property at $500.

  Mark Gray Law Firm

Mark Gray Law Firm is a law entity practicing in the state of Iowa and is regarded as the best law firm in Ankeny. Located uptown, the lawyers with Mark Gray firm solely work with clients to buy, sell and develop both residential and commercial real estate.

We provide a wide range of legal and consulting services including, but not limited to, review and preparation of agreements, negotiations, and closings. We provide advice on the ownership of farm real estate and other commercial real estates.

Highlighted Services

·         Title Opinions

·         Review and preparation of purchase agreements

·         Review and preparation of leases and other documents

·         Closing services

·         Advice and coordination with respect to 1031 transactions

·         Formation of business entities for real estate holdings

·         Advice and assistance with respect to real estate ownership

·         Real Estate planning

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Martins Maintenance Infection Prevention Program

Martins Maintenance, Inc., is an East Providence, Rhode Island-based provider of janitorial, commercial cleaning, and building contractor services. Specific services offered by the Martins Maintenance team range from tile and grout renewal to concrete floor polishing. The company also maintains a technology-driven infection prevention program that allows clients to benefit from a completely self-contained, no-touch restroom cleaning system. The program begins with a company representative who visits the facility and provides a deep cleaning of all restrooms on the premises. The deep clean includes chemical treatments not only for urinals, commodes, and sinks, but every square inch of the bathroom floor. The deep clean process has been designed to both eliminate bacteria and remove buildups of soil throughout the space. Following the chemical treatment, bathrooms are washed with a fresh water rinse, after which the water is vacuumed away, which allows for further removal of bacteria and waste. Finally, each restroom is blown dry, leaving the area ready for immediate use. Representatives return periodically to perform deep cleans or as regularly as clients request.

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Warwick, Rhode Island Paving

Paving walkways and driveways is pledges to the material for the years to be. Cost differences are important in addition to maintenance, durability and aesthetics.

Its look (typically white in hue) as well as asphalt (it's known as "blacktop" in many regions because of reasons) is what differentiates the two kinds of pavements - for the uninitiated.

There are a few striking similarities in their composition and a wide range of differences in terms of cost and maintenance demands.

The smart homeowner should consider the distinctions. Particularly when they attempt to locate a reliable asphalt Driveway paving company as opposed to concrete contractors RI. It could be that they are the same business, but they might not. In general concrete may cost a bit more to installation. It requires lesser maintenance than asphalt. it's more susceptible to break (which will require replacement) and also takes less heat and has less potential to cause an effect of heat island.

This is a mixed picture. To decide which one is the best for various applications It is important to determine the main differences between the two. Both are laid on a gravel foundation which permits drainage and some flex beneath without changing the surface (important when there are freeze-thaw cycles, in particular). The main difference between them, both in their color and how they function is the fact that concrete is held to cement which can be rigid while asphalt makes use of bitumen (derived from petroleum) to act as an emulsifier. Bitumen is able to change into more fluid form under temperatures.

That translates to huge amounts of maintenance and long-term the following:

Maintenance. Asphalt must be sealed within 6-12 months following the initial installation and every between three and five years following. This not only extends the lifespan of the driveway, but it also enhances its appearance.

With concrete, there's no need to seal it. Concrete could require cleaning when engine oil and other chemicals are able to stain it. Concrete cracks can also form that are not repairable however asphalt cracks can be filled.

Longevity. Concrete generally lasts longer. However, in colder climates, freeze-thaw cycles could be troublesome for both. Potholes are formed when water enters the asphalt's subsurface and freezes. This can be avoided by paying focus on fissures (cracks) by using the use of a sealant. Concrete is laid out in slabs and cracks are generally permanent. "Repairs "repair" often is a replacement for the slab that has been damaged.

If you want a more stylized appearance concrete has a myriad of options. Concrete may be stamped using patterns or stained, to look like pavers or make a variety of artistic effects. Asphalt pavement can also feature colored sealants. However, they are more often used to define parking areas or for tennis and basketball court delimitations.

If the driveway is located on the west and south sides of a house , and there isn't any shade, the owner must be aware that a darker surface (asphalt) can hold more heat into the night. This could impact the cost of air conditioning.

For cost, the bitumen content in asphalt increases and decreases in line with the price of crude petroleum. And even if that cost is not too high the property manager or owner should be aware of the long-term cost associated with maintenance (resealing) which suggests that aesthetics and other factors might be more significant when deciding between both.

Our Warwick, Rhode Island paving companies at J. Perry have over 20 years of expertise and are experts in Custom Patios, driveway seal coating RI, Commercial Parking Lot Paving and Residential Driveway paving, and general masonry jobs. We are dedicated to completing all projects on time and in excess of our client's expectations.