#hmo

[the-interidiot]

hmo yall

hear me out

[the-hasegawa-fan]

SPOILERS FOR ANTEBELLUM !!!! PROLOUGE!!!!

SERIOUSLY!!!!!!!

[slut4chriztopher]

is it bad im learning finnish for a boy in finland that i met once cuz he was an exchange student but then he went back to finland bc he was only here for hockey, HE PLAYS HOCKEY, and after he went back to finland i found his snap and he added me back and now we have a 26 day streak and he just sent me a full face snap so now im learning finnish on duolingo. if u read all of that im sorry and ily oh wait and for ref i live in america 🇺🇸

[codename-adler]

your hear-me-outs here please adler <3

- @you-know-i-get-itt

omg gia i JUST had a lightbulb moment‼️

i thought i’d exhausted my head-me-outs in nin’s ask but NO‼️

this sleep paralysis demon of a movie here:

fucked up alternate snow white universe that goes way tf too hard for a kids movie 💀 never knew how the cassette ended up at my grandparents and for a while i wasn’t allowed to watch it because it scared me shitless so bad i was waking up my parents in the middle of the night when i came to hide in their bed.

now my hear-me-out:

pookie here. cursed prince. it is threading the line of a fear boner very thinly. he’s so sweet and caring? but when you’re six you can’t understand it’s a person that’s been cursed? you can’t even understand what being cursed is? not like that at least. and there’s a whole torture + impersonation plot that is terrifying. but he… he had a chokehold on me. still does.

also when he transformed back into human prince he was somehow SCARIER and UGLIER (he wasn’t cute to begin with before the spell) you think the Beast timing back into Adam is bad? watch this freak

this is fine

this is not

P.S.

the musical numbers are- wtf. and i mandela-effect-ed myself into believing one of the ginger dwarves sang Girls Just Wanna Have Fun…? yeah

P.P.S.

know that i was, of course, watching this in french, but i'm just now learning Irene Cara's voice-acting in it? what in mushrooms...

[kraime]

[star--stricken]

why does my left arm hurt. wtf.

[anonbinaryweirdo]

Smash

[andrewtillott]

HMO Regulations

You can make a lot more money by letting out your properties rooms separately, rather than as one entire property. There are additional costs, which can be covered in a different post - but more importantly there are more regulations that you have to follow! Here are some of them. Please note that individual councils may adjust the rules and regulations for HMO's in your area. 

Minimum Room Sizes 

If you have a HMO, the minimum room size for a person is 6.52 meters squared. So when you are viewing a property that you might think is a good HMO, don't count the number of bedrooms. Count the number of potential bedrooms that are over 6.52 meters squared. 

Licences

You need a HMO licence if all of the following apply: 

It is rented to 5 or more people

they share facilities like a toilet, bathroom or kitchen

at least one of the tenants pays rent (including if their employer pays it for them).

Some councils also have a 'Selected Licensing Scheme', which requires a licence in other bespoke circumstances. 

A HMO licences are valid for a max of 5 years. 

Other requirements 

Send the council an updated gas safety certificate each year.

Install and maintain smoke alarms (you can include in the tenancy agreement that the tenant has responsibility to change the batteries, and to inform you if anything is not working as it should). 

The council may add other conditions to your licence, for example improving the standard of your facilities. They will let you know when you apply for the licence. 

The fines for renting out an unlicensed HMO are not capped (they can be unlimited). 

Article 4 Areas 

There are a growing number of areas that are 'Article 4 Areas'. These are areas where Planning permissions is required in order for you to turn your property into a HMO. Please note that the council decided to apply Article 4 in that area. Thus, they have some reason why they are against having additional HMO's in the area. They are therefore unlikely to grant planning permission in such an area. Planning permission is completely separate to Licences. You need both planning permission and a HMO licence to set up a new HMO. If Article 4 is not present in an Area then you can convert a property to a HMO as part of 'Permitted Development Rights' (you are therefore guaranteed planning permission) - but still need to abide by the wider HMO regulations. 

Fire Regulations

Fire Risk Assessments

HMO's require a Fire Risk Assessment according to the Health and Safety Rating System. A competent individual can perform this 'Fire Risk Assessment', that can theoretically be you, your managing agent or a qualified agent. But you should consider if you are qualified. 

Fire Doors

HMO's require fire doors. They need to be "30-minute" fire resistant, which means that they can contain a fire for 30 minutes. They also need to be self-closing. That means that the doors close themselves. 

Escape Windows 

A fire escape window is an unobstructed window that allows escaping from the property in an event of an emergency. 

According to the Hertsmere Council an escape window is defined:

"The window must have an unobstructed openable window area that is at least 0.33msq with at least the width or height dimension being a minimum of 450mm.

The bottom of the openable area (window cill level) must be not more than 1100mm, and not less than 800mm above floor level.

Windows are suitable for means of escape where the drop from the window to ground level is one storey only (not exceeding 4.5m from first-floor level to outside ground level).

Note: The ground below the windows must be flat and free from hazards (low walls, railings etc).

Where security is provided on windows, means of the opening must be readily available within the room.

Where primary access to a sleeping room is through a high-risk room (i.e. communal, kitchen or living room) an alternative suitable means of escape must be provided via a door or escape window directly to the outside."

Escape Routes 

Escape routes need to be factored into account from all rooms, and they need to be free from obstructions. 

Signs 

There needs to be "Exit" signage that is used to easily identify exit routes/doors. These must be green and white with a size of 100mm x 500mm. They need to be placed above the exit door (both at the front and back of the house) - as well as on each landing level. 

Fire Alarms

If there is a one or two bed HMO (where the floor areas is less than 200sqm), a grade D, Category LD3 smoke alarm system should be installed. 

Grade D means they are mains powered - but with a back up battery system - alongside an interconnected wire or radio signal. 

But if your HMO is above two floors you can utilise a 'Grade A' system. This is a conventional fire alarm panel, with fire alarm detectors, call points, sounders and beacons specified according ot the layout of the property. 

Alternatively you can use a 'Mixed System' - this includes a combination of a 'Grade A' and a 'LD3' alarm system.

Emergency Lighting

You can use borrowed lighting in smaller HMO's e.g. street lights or torches. A smaller HMO should have floor area of less than 200sqm. Larger HMO's need a lighting system designed in compliance with the BS 5266 Part 1 standards. The lighting needs to last for three hours. 

Firefighting Equipment and Facilities 

It's necessary to provide fire fighting equipment that will allow tenants to put out smaller fires before they escalate. A potential good guide is to have a 'multi-risk' fire extinguisher of 13A situated in the Kitchen Area and a Fire blanket in each room used for cooking and a carbon dioxide (CO2) extinguisher near the electricity cupboard (mains). 

Not following Fire Safety Regulations

You could be subject to potential jail time or arrest if you do not comply with fire safety regulations. Ultimately, a lack of fire safety could be the difference between a fatality occurring and it not occurring. At PeopleMove we strive to adhere to the above standards, feel free to get in touch if you require our assistance or property management. We do manage HMO's: 

Our Services

 If you would like us to manage your properties please get in touch: 

Email: andrew@peoplemove.co

Number: +447496320549

Book a call: Book a Meeting Here

[alfredomen]

🗡️🦉DAGAOWL🦉🗡️ #forjado #forja #artesanía #artesanal #hechoamano #hechoenmexico🇲🇽 #sonora #hmo #hermosillo #cuchillosOWL #cuchillo #chef #cocinero #parrilla #Bowie #megabowie #oldwest #mako #cuchillo #cuchilleria #pruebadecorte Da CLICK en el siguiente Enlace para mensaje DIRECTO vía Whatsapp📲: https://wa.me/message/H3OM6FA5T5NJG1 Mis Redes Sociales📱📶🖥️: https://linktr.ee/CuchillosOWL (en Hermosillo, Sonora, México) https://www.instagram.com/p/CoNmvLaPsjh/?igshid=NGJjMDIxMWI=

[insidecroydon]

Council failed to apply for HMO licence for Heathfield House

CROYDON IN CRISIS:  The conversion of a council-owned, listed Victorian villa on Gravel Hill into a ‘house of multiple occupation’ was done without any licence application and without planning permission. EXCLUSIVE by STEVEN DOWNES Sorry state: Heathfield House, photographed last year, showing the signs of decades of neglect from owners, Croydon Council Heathfield House, the council-owned listed…

[amarisbella21]

Comparing HMO, PPO, And EPO Plans In Group Health Insurance

In the landscape of group health insurance, employers often face a myriad of options to offer their employees. Among the most common types are Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Exclusive Provider Organization (EPO) plans. Each of these options has distinct features, advantages, and drawbacks, making it essential for employers to understand their differences to choose the right plan for their workforce.

Health Maintenance Organization (HMO)

HMO plans are characterized by their focus on providing coordinated and comprehensive care through a network of designated providers. Members must select a primary care physician (PCP) who serves as their main point of contact for medical care. Referrals from the PCP are generally required to see specialists.

Advantages:

Cost-Effective: HMO plans usually offer lower premiums and out-of-pocket costs compared to other plans, making them an attractive option for employers looking to minimize expenses.

Coordinated Care: The requirement for a PCP ensures that all healthcare services are well-coordinated, which can lead to improved health outcomes for members.

Preferred Provider Organization (PPO)

PPO plans offer more flexibility in choosing healthcare providers compared to HMO plans. Members can see any doctor or specialist without a referral, although they will pay less if they use providers within the PPO network.

Advantages:

Greater Flexibility: Members can access a broader range of providers, including specialists, without needing referrals. This is especially beneficial for those who require specialized care.

Out-of-Network Coverage: PPOs generally offer partial coverage for out-of-network services, allowing members to seek care from a wider array of providers.

Exclusive Provider Organization (EPO)

EPO plans share characteristics with both HMO and PPO models. Like HMOs, EPOs require members to use a specific network of providers for their healthcare services, but they also offer more flexibility than HMOs since they do not require referrals for specialist care.

Advantages:

No Referral Requirement: Members can see specialists without needing a referral, simplifying the process of accessing care.

Lower Premiums: EPO plans typically feature lower premiums than PPOs, making them cost-effective options for employers.

Conclusion

When selecting a group insurance plan, employers must consider the specific needs and preferences of their workforce. HMO plans are cost-effective and promote coordinated care, making them suitable for employees who prefer a structured approach to healthcare. PPO plans offer flexibility and wider provider access but come at a higher cost. EPO plans to strike a balance between the two, providing some flexibility without the need for referrals while still maintaining a limited provider network. By understanding the differences among these plan types, employers can make informed decisions that enhance employee satisfaction and health outcomes.

[varun0096]

Health Insurance Decoded: Your Comprehensive Guide to Coverage

Health insurance can feel like a tangled web of jargon and options, leaving many people scratching their heads. With the right knowledge, however, navigating this landscape doesn’t have to be daunting! Did you know that as of 2023, approximately 92% of Americans had some form of health insurance coverage? This statistic underscores the importance of understanding your options to ensure you have the protection you need.

In this article, we’ll break down the fundamentals of health insurance, explore the various types of plans, and provide essential tips to help you choose the right coverage for your unique needs.

What is Health Insurance?

Health insurance is essentially a contract between you and an insurance provider. You pay a premium, and in return, the insurer covers a portion of your medical expenses, which can include everything from routine check-ups to hospital stays.

Key Components of Health Insurance

Premium: This is your monthly payment for coverage. Think of it as your ticket to access healthcare services.

Deductible: This is the amount you need to spend on healthcare before your insurance starts to pay. The average deductible for individual plans was about $1,800 in 2023.

Co-pay: This is a fixed fee you pay for specific services, like doctor visits. It’s generally much lower than the total cost of the service.

Coinsurance: After reaching your deductible, this is the percentage of costs you share with your insurer. For example, if you have a 20% coinsurance, you pay 20% of the bill.

Out-of-Pocket Maximum: The highest amount you’ll have to pay in a year. Once you reach this limit, your insurance covers 100% of your healthcare costs.

Types of Health Insurance Plans

Choosing the right health insurance plan is crucial. Here’s a breakdown of the most common types:

1. Health Maintenance Organization (HMO)

Requires members to choose a primary care physician (PCP).

All referrals to specialists must come from your PCP.

Typically lower premiums, averaging around $7,800 for individuals.

2. Preferred Provider Organization (PPO)

Offers greater flexibility in choosing healthcare providers.

You can see any doctor, but staying in-network reduces costs.

Average premiums are higher, about $9,800 for individuals.

3. Exclusive Provider Organization (EPO)

Only in-network providers are covered.

No referrals needed for specialists.

Moderate premiums that usually fall between HMO and PPO rates.

4. Point of Service (POS)

Combines features of HMO and PPO plans.

Requires a primary care physician, but you can go out-of-network at a higher cost.

Why Health Insurance is Essential

You might be asking, “Is health insurance really necessary?” The answer is a resounding yes! Here’s why:

Financial Security: The average cost of a hospital stay can reach up to $30,000. Health insurance helps protect you from overwhelming medical expenses.

Access to Medical Care: Research shows that insured individuals are more likely to seek timely medical help. Uninsured adults are almost five times more likely to forgo necessary care due to cost.

Preventive Services: Many plans cover preventive services like annual check-ups and vaccinations at no extra cost. This can help catch health issues early, reducing long-term costs and improving health outcomes.

Frequently Asked Questions (FAQs)

What if I can’t afford health insurance?

If you’re on a tight budget, consider government assistance programs such as Medicaid or the Children’s Health Insurance Program (CHIP). Approximately 12% of Americans are enrolled in Medicaid, providing crucial support for those in need.

Can I change my health insurance plan?

Definitely! Most people can switch plans during the open enrollment period, which usually occurs once a year. If you experience a qualifying life event—like marriage or moving—you may qualify for a special enrollment period.

What happens if I don’t have health insurance?

While there’s no longer a federal penalty for being uninsured, not having coverage can lead to significant out-of-pocket costs. In 2021, around 30 million Americans were uninsured, emphasizing the importance of having coverage.

Conclusion

Understanding health insurance can empower you to make informed choices about your coverage. By familiarizing yourself with the basic components, types of plans, and the importance of having insurance, you’re already ahead of the game.

For more in-depth information and personalized advice, check out healthinsuranceinfo.in.

Remember, selecting the right health insurance plan can significantly impact your healthcare experience and financial well-being. Whether you’re young and healthy or managing ongoing health conditions, there’s a plan out there that fits your needs. Don’t hesitate to shop around and ask questions—you deserve the best coverage possible!

In the end, knowledge is your best ally in navigating the complexities of health insurance. Here’s to making informed choices and securing your health!

[caplinedental]

For an employee or a patient, multiple health insurance plans can be availed. A patient with such a managed health care plan has assured access to a network of dental care providers. If a patient visits a practice from any in-network doctors or practices, the patient can benefit from lowered rates against visiting an out-of-network practice.

For a visit to a practice that is in-network, the billing system aids in making the documentation and claims process simpler and faster.

[ashburnhaminsurance]

Navigating HMO Regulations: Legal Requirements for Landlords Explained

As the rental market continues to evolve, the regulations surrounding Houses in Multiple Occupation (HMOs) have become increasingly stringent. For landlords considering HMO properties or who already own and run one or more, understanding and complying with these regulations are essential steps to ensure legal compliance and the well-being of tenants. In this article, we’ll delve into the…

[star--stricken]

oww whenever I put even the tiniest bit of pressure on my wrist (by picking stuff up) it hurts like HELL. I mean, on the bright side, it might mean I don’t have to practice viola? Still very concerning though, especially because it’s on my dislocated side, and that elbow has been getting redder and more sensitive, so this might have something to do with it. I was really hoping I wouldn’t have to get surgery but that might not be an option soon.