Maximising value from your landscape investment
|
|
- Tamsyn Cain
- 5 years ago
- Views:
Transcription
1 Maximising value from your landscape investment The Other Side Landscapes Pty Ltd Guide to engaging and undertaking works with a Landscape Contractor
2 Foreword For most people their home is their largest financial investment. An investment which also supports the heart and soul of your family A well designed and integrated landscape can impact favourably on your health and wellbeing, plus providing impressive returns at resale time. Consider your home like a prestige car. Would you park your car on the street or surround it with a secure garage? Would you wash it often and keep it maintained or let it weather away?
3 Contents Budgeting Landscape Designer Choosing the right Contractor Licences Contracts Research Home Warranty Insurance Return on Investment Insurances Work Health Safety Industry Associations Council Approvals Completion Dates Hardscape, Softscape & Systems Garden Maintenance
4 What should I budget for landscaping? You should spend between 10 and 20% of your properties value. This may vary depending on any existing features, your land size and location This should allow for the inclusion of structural elements such as pools, retaining walls, decks or pergolas and upgrades such as feature elements, garden lighting and irrigation systems.
5 Should I use a Landscape Designer? Yes. A landscape designer will provide a landscape plan that you can use to compare contractor quotes They will also assist and advise on construction materials, plants and council approvals The plan will form part of your contract. A designer should generally be independent, act in your best interests and design a landscape tailored for you.
6 How can I choose the right contractor? Referral from friends or past clients Ask to visit completed jobs Client testimonials Memberships of professional associations Have they won Industry Awards? Do they have they have the correct Licences? Do they have the correct insurances?
7 Should my landscaper be licenced? Yes. In NSW a contractor must have a licence to contract, subcontract or advertise to do residential structural landscape works where the total cost of labour and materials is more than $1,000 By law a contractor s licence number must be shown on all advertising, stationery and signage See the NSW DOFT
8 Do I need a written contract? Yes. For residential structural landscape works valued at greater than $1000 you will require a brief written small jobs contract. For residential structural landscape works valued at greater than $5000 you will require a more comprehensive written contract See the NSW DOFT
9 How can I research my contractor? Testimonials from past clients are also useful in gaining an understanding of your contractor s abilities Ask for their portfolio of completed projects, it will demonstrate the level of quality you could expect from the contractor Beware magazine images are not always true in what they show and can be graphic representations, not actual built work Visiting completed landscapes is the best way!
10 Do I need Home Warranty Insurance? Home warranty insurance is required to be obtained where the contract price is over $20,000 Home warranty insurance can only be obtained by eligible landscape contractors and it must be provided prior to the commencement of works See NSW DOFT
11 How do I get the greatest return on my landscape investment? Return on investment (ROI) ROI depends on the resale value of your property increasing more than the contract value of the landscape works A good contractor will assist you with this from their experience ROI is not only measured in resale profits but there is also value in reduced stress during and after construction from good contractors who take the time to make the process enjoyable
12 Should I check my contractors insurances? Yes. Your contractor should be able to quickly supply you with insurance certificates of currency for Workers Compensation, Public Liability, Home Warranty (eligibility) and Professional Indemnity insurance (if they provide design advice) If a contractor cuts corners here imagine what might do to your landscape.
13 Should I check if my contractor is WHS compliant? Yes. All employers in NSW are required by law to have a workers compensation insurance policy The policy must cover all workers, at all times Some people are deemed to be workers for workers compensation purposes such as some contractors and they must also be covered by a workers compensation policy
14 Should my contractor be a member of a industry association? Yes. Industry associations generally have membership criteria which require the compliance with a Code of Ethics and Ongoing Professional Development program As a result members are reliable and able to deliver best practice solutions Membership also demonstrates a commitment to the industries development and a willingness to constantly improve themselves The net result of using industry associated contractors is better service and higher quality
15 Will I need council approval? Council development regulations vary from council to council, so there is no easy answer. An expert should advise you A lot of structural landscape elements are included under the NSW Government exempt an complying development planning policies Remember if you do works without council approval it may affect the resale value of your property and there may also be fines involved
16 Should my contractor provide a completion date? An experienced contractor should be able to provide you with a reasonably accurate completion date As with many things, there are external factors which will affect the completion of the works Things like changes to the design, rain, unforeseen site conditions, delays in obtaining materials and subcontractors availability may impact on completion of works
17 Softscapes, Hardscapes and Systems? The down fall of many projects is the focus on hardscapes (Walls, Paving and Concrete) giving only a glance at the softscapes (Planting, Turf & Gardens) Impressive landscapes balance both hard and soft elements creating landscaped garden areas that are enjoyable to spend time within Irrigation, drainage and lighting systems assist the performance of both hard and soft elements
18 Can my contractor provide programmed garden maintenance? The greatest downfall to a successful completed project is the failure to maintain the landscape properly. Installation of the garden is only the start. Care and knowledge is required to nurture and develop your landscape investment Remember if you keep on top of maintenance by having a small amount each week it will save you money in the long run
Renovate or move guide
Renovate or move guide home loans Your finance journey Are you frustrated with how small your wardrobe is or the discoloured carpet in the bedrooms? Is it time for a change? If so, you will likely ask
More informationThe Society of Garden Designers
The Society of Garden Designers Engaging a Garden Designer Guidance for Clients on Professional Fees Society of Garden Designers Katepwa House Ashfield Park Avenue Ross-on-W ye Herefordshire HR9 5AX tel
More informationFAQ Report on Private Lending
FAQ Report on Private Lending At Retirement Loft, members are very good at spotting trends in today s economy that lead to profitable opportunities. Although private lending has been around for a very
More informationPinnacle Homeowners Association. Reserve Management Plan Type 1 Reserve Study with On-Site Analysis
Reserve Management Plan Type 1 Reserve Study with On-Site Analysis For 30-Year Projection Period Beginning January 1, 2018 Cover January 1, 2018 Pinnacle Homeowners Association Reserve Management Plan
More informationTHE SUMMIT AT AUTUMN HILLS CAMAS, WA 98607
RESERVE STUDY PROPOSAL THE SUMMIT AT AUTUMN HILLS CAMAS, WA 98607 2016 RESERVE STUDY PROPOSAL February 14, 2016 The Summit at Autumn Hills Camas, WA 98607 Dear Mr. Wormser, Thank you for the opportunity
More informationHouse insurance. What s changing and why
House insurance What s changing and why 1 What s changing? House insurance in New Zealand is changing. Your home is probably your biggest investment so it s important that it s properly insured if the
More informationCONDO ISSUES AND RISK MANAGEMENT
A Deland, Gibson University White Paper Providing Peace of Mind Through Proactive Service. CONDO ISSUES AND RISK MANAGEMENT In the event of a claim a well written insurance policy should provide the means
More informationreal strategies to reduce tax
real strategies to reduce tax www.realpropertymatters.com.au Our core business is Tax Depreciation a vital tool for any property investor why use us you will save money Real Property Matters first fee
More informationEvent Application Things You Need to Know
The Legacy of Love Monument at the Oak Lawn Triangle You can host an event in the heart of Oak Lawn! Event Application Things You Need to Know Private Site The Legacy of Love Monument at the Oak Lawn Triangle
More informationCommunity Center Cost & Financing Proposal
Community Center Cost & Financing Proposal Contents Contractor Selection Process Project Costs Financing Proposal Member Costs Voting Process Contractor Selection Bid solicitations went public on January
More informationConnecticut Foundation Solutions Indemnity Company, Inc. ( CFSIC ) Claim Type 1: Indemnification Application
Connecticut Foundation Solutions Indemnity Company, Inc. ( CFSIC ) Claim Type 1: Indemnification Application 1. Name of Claimant: 2. Address of Claimant: (Is this the address of the building with a crumbling
More informationWHAT DO WE DO? SERVICES PROVIDED Exterior Painting. Interior Painting. Roofing. carpentry & siding. Concrete Repairs.
WHAT DO WE DO? We specialize in providing the highest quality renovation services for Residential, Multi-Family, Commercial, & Industrial properties throughout the metro-atlanta area. We believe communication
More informationMORTGAGE ENJOY THE REVERSE RETIREMENT YOU DESERVE
ENJOY THE RETIREMENT YOU DESERVE REVERSE MORTGAGE WINNER 2018 UNLOCK THE EQUITY IN YOUR HOME If you would like the financial ability to spend your retirement how you choose, with independence and dignity,
More informationTHIS IS A PAYMENT CLAIM MADE UNDER THE CONSTRUCTION CONTRACTS ACT 2002 A PAYMENT CLAIM MADE IN RELATION TO THE FOLLOWING CONSTRUCTION CONTRACT:
THIS IS A PAYMENT CLAIM MADE UNDER THE CONSTRUCTION CONTRACTS ACT 2002 FROM: Name (or/payee) Contact Person/Representative Address Ph Email TO: Name (Owner/Principal/PAYER) Contact Person/Representative
More informationSitePro Supplemental Questionnaire
900 Route 9 North, Suite 503, Woodbridge, Website: www.nipgroup.com NJ 07095 Toll-free Phone: (800) 446-7647 SitePro Supplemental Questionnaire GENERAL INFORMATION Applicant Name: Mailing Address: Location
More informationCouncil Assets REGENT STREET CHIPPENDALE NSW Commissioned by LAING O'ROURKE. Report prepared by JOHN MAGLIS
Council Assets 56-64 REGENT STREET CHIPPENDALE NSW 2008 DILAPIDATION REPORT Commissioned by LAING O'ROURKE Report prepared by JOHN MAGLIS 0414 885 748 TYRRELLS PROPERTY INSPECTIONS PTY LIMITED Inspection
More informationSINKING FUND PLAN UPDATE
SINKING FUND PLAN UPDATE RIVERVIEW APARTMENTS 10 Broughton Street Canterbury NSW 2193 Strata Plan 50834 Report details Inspection date: 19/10/2016 Inspector: Marco Camps NEW SOUTH WALES QUEENSLAND VICTORIA
More informationOPEN THE DOOR TO NEW REVENUE OPPORTUNITIES WITH ASSET FINANCE. Learn how in 3 easy steps
OPEN THE DOOR TO NEW REVENUE OPPORTUNITIES WITH ASSET FINANCE Learn how in 3 easy steps Asset finance is a growing market for brokers and it covers everything from business to personal loans Car finance
More informationCity of Los Altos. Civic Center Master Plan Council Meeting. March 24, 2015
City of Los Altos Civic Center Master Plan Council Meeting March 24, 2015 Agenda Context, Purpose, Intended Results Final Site Design Concept Cost Model & Budget Data Review Council Input Needed Context
More informationJANUARY, Dan Mickelberry Chief Estimator
JANUARY, 2017 What s Next! Welcome to our quarterly update of the projects the Denver Preconstruction Group is working on. Please remember that this is NOT a request for bids or budgets, but rather a way
More informationMORTGAGE ENJOY THE REVERSE RETIREMENT YOU DESERVE
ENJOY THE RETIREMENT YOU DESERVE REVERSE MORTGAGE WINNER 2018 UNLOCK THE EQUITY IN YOUR HOME If you would like the financial ability to spend your retirement how you choose, with independence and dignity,
More informationSEPTEMBER Newsletter Fixed Rate Mortgages Explained
SEPTEMBER Newsletter Fixed Rate Mortgages Explained What Are Fixed Rate Loans Fixed Rate loans are loans where the interest rate doesn t change through the Fixed period. The Reserve Bank of Australia or
More informationGeneral & Products Liability
General & Products Liability Proposal Intermediary Interim Cover. The Proposer Name(s) in full Trading as Are You registered for GST purposes? What is Your ABN? Postal Address Postcode Contact. Phone Fax
More informationThe car loan that gives you flexibility today and options tomorrow
The car loan that gives you flexibility today and options tomorrow No matter where you re going, Toyota s with you Toyota Access is an innovative way to put yourself in control when you re buying a new
More informationLANDSCAPE ARCHITECTURAL DESIGN SERVICES EXHIBIT A TO CONTINUING SERVICES AGREEMENT SERVICE PROVIDER S BASIC SERVICES
EXHIBIT A TO CONTINUING SERVICES AGREEMENT SERVICE PROVIDER S BASIC SERVICES 1.1 GENERAL RESPONSIBILITIES. Service Provider accepts the relationship of trust and confidence established between it and Owner
More informationCOASTALSTRATA INSIGHTS IN TIME STRATA INSPECTION REPORT. 5/13-15 Keira Street, Wollongong NSW. Date of report Wednesday, 22 November 2017
COASTALSTRATA STRATA INSPECTION REPORT 5/13-15 Keira Street, Wollongong NSW Date of report Wednesday, 22 November 2017 Prepared by Craig Baylis Contact (02) 4297 2555 info@coastalstrata.com.au coastalstrata.com.au
More informationhow we invest your money oracle employee, retained benefit members and spouse members 30 september 2017
how we invest your money oracle employee, retained benefit members and spouse members 30 september 2017 contents Investing your super 1 Understanding the basics of investing 2 Risk and return 2 Investment
More informationA Guide to Contractor Expenses
A Guide to Contractor Expenses CONTENTS 1. Who are we?... 3 2. What expenses you can claim?... 4 3. Defining a valid business expense... 5 4. Claiming expenses if you re inside IR35... 6 5. The importance
More informationCHAIRMAN S ADDRESS TO THE 53 RD ANNUAL GENERAL MEETING
CHAIRMAN S ADDRESS TO THE 53 RD ANNUAL GENERAL MEETING Good morning, ladies and gentlemen Thank you for joining us and welcome to Schaffer Corporation s 2007 Annual General Meeting. Schaffer Corporation
More informationYour fund guide. For members of Pace DC (including Additional Voluntary Contributions) Co-operative Bank Section August 2018
Your fund guide For members of Pace DC (including Additional Voluntary Contributions) Co-operative Bank Section August 2018 Welcome to your fund guide for members of Pace DC. Please read this guide together
More informationINFORMATION MEMORANDUM. Committed to loyalty and excellence
INFORMATION MEMORANDUM Committed to loyalty and excellence CONTENT Executive Summary 3 Company Products and Services 6 Marketing Strategy and Website 7 Backup Security Customers and Services Provided 8
More informationBy Phil Bartlett CIC, CPIA
What You as a Garage or Auto Service Business Owner Can -- and Must -- Do to Shield Your Company from Financial Disaster and Give You Peace of Mind that the Business Will Continue to Operate and Generate
More informationLandscape Construction. For Hard & Soft Landscaping. Standard Terms and Conditions of Contract. Artisan Hardscape Solutions Ltd
Landscape Construction For Hard & Soft Landscaping Standard Terms and Conditions of Contract Artisan Hardscape Solutions Ltd 1.0 DEFINITIONS 1.1 Client means the individual or organisation who buys or
More informationCOMPANY CAR ALLOWANCE SCHEME
COMPANY CAR ALLOWANCE SCHEME CAR ALLOWANCE V S COMPANY CAR Companies have traditionally provided employees with a fully expensed company car. The level of car that an employee receives often depends on
More informationCONTENTS. WHY YOU NEED A WARRANTY Page 2. OUR WARRANTIES & OTHER SERVICES Page 6. INDICATIONS & QUOTATION Page 12. REGISTRATION & STANDARDS Page 18
GUIDE TO SERVICES CONTENTS WHY YOU NEED A WARRANTY Page 2 OUR WARRANTIES & OTHER SERVICES Page 6 INDICATIONS & QUOTATION Page 12 REGISTRATION & STANDARDS Page 18 ADDITIONAL INFORMATION Page 22 WARRANTY
More informationReserve Analysis Report
Reserve Analysis Report Sample Condominium Association Laguna Hills, California Version 1 March 31, 2004 23201 Mill Creek Drive, Suite 100 Laguna Hills, California 92653 Phone (949) 474-9800 Facsimile
More information8 easy steps to buying your first home
8 easy steps to buying your first home There are few things more exciting than being handed the keys to your very first home and moving in. We have a range of First Time Buyer Mortgages, for new or existing
More informationSECTION DESCRIPTION PAGE I. BUDGET INTRODUCTION... 1 II. FISCAL YEAR 2017 BUDGET ANALYSIS... 2 III. PROPOSED OPERATING BUDGET... 3
2018 SECTION DESCRIPTION PAGE I. BUDGET INTRODUCTION... 1 II. FISCAL YEAR 2017 BUDGET ANALYSIS... 2 III. PROPOSED OPERATING BUDGET... 3 IV. GENERAL FUND 001 DESCRIPTIONS... 4 Background Information The
More informationRegulations for consumer rights and remedies in relation to residential building work
In Confidence Office of the Minister for Building and Construction Cabinet Economic Growth and Infrastructure Committee Regulations for consumer rights and remedies in relation to residential building
More informationRAMS First Home Buyers Pulse Check Survey 2013
RAMS First Home Buyers Pulse Check Survey 2013 Australian attitudes and behaviours towards buying their first home August 2013 Strictly Embargoed: 12:01am AEST, 23 August 2013 Contents Highlights.....3
More informationFully maintained financing for small fleets
Fully maintained financing for small fleets Lease or buy? We ll help you weigh up your options so you can get back to business. toyotafleetmanagement.com.au FLEET MANAGEMENT TRUSTED FIGURES IN FLEET Contents
More informationNew Vehicle Protection
New Vehicle Protection Protects new and late-model vehicles Eliminates depreciation concerns in a collision Easy to buy New Vehicle Protection Buying a new vehicle is an exciting experience but new vehicles
More information15-16 Tax Workshop. for. By Julie Pocock MAAT
15-16 Tax Workshop for By Julie Pocock MAAT What are the deadlines for the 15-16 Tax Year? The 15-16 Tax Year begins on 6 th April 2015 and ends on 5 th April 2016. If you submit a paper tax return, HMRC
More informationHome Renovations and Repair
Home Renovations and Repair June 2005 This tipsheet is intended to provide general information and is not a substitute for legal advice. This tipsheet has two parts: general information about hiring any
More informationThe 7 things you MUST ask BEFORE signing your Building Contract
The 7 things you MUST ask BEFORE signing your Building Contract 2 Buying a new home will likely be the largest purchase you ever make. You may be embarking on a new life purchasing your first home or upgrading
More informationNew Vehicle Protection
New Vehicle Protection Protects new and late-model vehicles Eliminates depreciation concerns in a collision Easy to buy New Vehicle Protection Buying a new vehicle is an exciting experience but new vehicles
More informationGet the car you love the smart and easy way
Get the car you love the smart and easy way Your Guide to Novated Leasing What is Novated Leasing? Novated Leasing made easy A Novated Lease is a three way agreement between you, Custom Fleet and your
More informationHow to start a limited company
How to start a limited company 020 8582 0076 www.pearlaccountants.com How to start a limited company Working as a freelancer, contractor, or small business owner can be incredibly rewarding, but starting
More informationSECTION 5 CONSTRUCTION RULES AND REGULATIONS 5.1 COMPLIANCE: This paragraph 5.1 was modified on See page 8A for the new paragraph CO
SECTION 5 CONSTRUCTION RULES AND REGULATIONS 5.1 COMPLIANCE: This paragraph 5.1 was modified on 6-27-06. See page 8A for the new paragraph 5.1. 5.2 CONSTRUCTION TRAILERS: Sarasota Ranch Club Associates,
More informationCopyright 2008, 2009 & 2009 by Modular Homes Network
Published and distributed by Modular Homes Network 3660 Nicklaus Drive, Clarkston, WA 99403 Phone: (888) 770-2830 Fax: (866) 401-1084 Email: info@modularhomesnetwork.com Website: www.modularhomesnetwork.com/
More informationHow to calculate your taxable profits
Helpsheet 222 Tax year 6 April 2013 to 5 April 2014 How to calculate your taxable profits A Contacts Please phone: the number printed on page TR 1 of your tax return the SA Helpline on 0300 200 3310 the
More informationBMW HOME INSURANCE POLICY SUMMARY.
BMW HOME INSURANCE POLICY SUMMARY. This is a Policy Summary only and does not contain the full terms and conditions of the contract. It does not form part of the contract between you and us. Full terms
More informationYour guide to Releasing cash from your home. Lifetime mortgages that do more from
Your guide to Releasing cash from your home Lifetime mortgages that do more from Shouldn t there be more to life than worrying about money in retirement? That s what we believe and that s why more 2 life
More informationINSURANCE MARKETING SYSTEM
Insurance Music On Hold INSURANCE MARKETING SYSTEM Increased prac ce profits, guaranteed! TELEPHONE ON HOLD EXPERTS IN INSURANCE MUSIC AND MESSAGES ON HOLD MONTVALE, NJ 866-359-4653 TRUSTED INSURANCE MUSIC
More informationThank You For Choosing CBIA Insurance
8001 Canoga Ave, Suite A Canoga Park, California 91304 10656 Industrial Ave, Suite 160 Roseville, California 95678 877-900-2242 I 916-771-7229 Thank You For Choosing CBIA Insurance Dear CBIA Client, Thank
More information2014 COMMON AREA GROUNDS MAINTENANCE AGREEMENT Neighborhood Association
2014 COMMON AREA GROUNDS MAINTENANCE AGREEMENT Neighborhood Association This agreement is made by and between (Contractor) and the Neighborhood Association (Neighborhood) for the calendar year January
More informationWhy use a broker? Why using a broker is the smart way to go when it comes to finding the right finance.
Why use a broker? Why using a broker is the smart way to go when it comes to finding the right finance. So what exactly is a mortgage broker? More than half of all Australians taking out a mortgage are
More informationNBRC PROPERTY OWNERS ASSOCIATION, INC. DBA RIVER CHASE PROPERTY OWNERS ASSOCIATION, INC. FINANCIAL STATEMENTS AND REQUIRED SUPPLEMENTARY INFORMATION
NBRC PROPERTY OWNERS ASSOCIATION, INC. DBA RIVER CHASE PROPERTY OWNERS ASSOCIATION, INC. FINANCIAL STATEMENTS AND REQUIRED SUPPLEMENTARY INFORMATION FOR THE YEAR ENDED DECEMBER 31, 2014 TABLE OF CONTENTS
More informationSECTION DESCRIPTION PAGE I. BUDGET INTRODUCTION... 1 II. FINAL OPERATING BUDGET... 2 III. GENERAL FUND 001 DESCRIPTIONS... 3
2018 SECTION DESCRIPTION PAGE I. BUDGET INTRODUCTION... 1 II. FINAL OPERATING BUDGET... 2 III. GENERAL FUND 001 DESCRIPTIONS... 3 IV. SCHEDULE OF ANNUAL ASSESSMENTS... 5 Background Information The Touchstone
More informationNEPENTHE ASSOCIATION
(a California nonprofit mutual benefit corporation) FINANCIAL STATEMENTS AND SUPPLEMENTARY INFORMATION Year Ended December 31, 2015 TABLE OF CONTENTS Page INDEPENDENT ACCOUNTANT'S REVIEW REPORT 1 FINANCIAL
More informationHelping your Small Business
Example: Helping your Small Business We understand small business. That s because we ve been helping small businesses since 1977 and now have tens of thousands of small business clients across Australia.
More informationYour Additional Voluntary Contribution (AVC) fund guide
1 Your Additional Voluntary Contribution (AVC) fund guide For members of Pace Complete April 01 1 1 1 Welcome to your AVC fund guide for members of Pace Complete This fund guide is relevant to you if you
More informationWhy arrange your insurance with Hiscox Private Client?
Why arrange your insurance with Hiscox Private Client? Insurance from experts who understand your lifestyle and can tailor a product and service to meet your exact needs no matter how complex. We specialise
More informationEquipment Breakdown from Prepared Insurance Homeowners
Equipment Breakdown from Prepared Insurance Homeowners Exposures Clothes Washers and Dryers Prepared Insurance is pleased to offer an alternative to home warranty plans. Equipment Breakdown coverage is
More informationMunich Holdings of Australasia Pty Ltd Superannuation Scheme
INVESTMENT GUIDE Munich Holdings of Australasia Pty Ltd Superannuation Scheme Inside Your Scheme s investments 2 Understanding the basics of investing 2 Making your investment choice 4 Your investment
More informationHOME, CONTENTS AND LANDLORDS INSURANCE FOR COVER INSIDE AND OUT 10% OFF FOR BUPA HEALTH MEMBERS
HOME, CONTENTS AND LANDLORDS INSURANCE FOR COVER INSIDE AND OUT 10% OFF FOR BUPA HEALTH MEMBERS Insurance Australia Limited (IAL) ABN 11 000 016 722 AFSL 227681. Any advice contained in this document is
More informationProtect your house, so it always feels like home.
Protect your house, so it always feels like home. Masterpiece Homeowners Insurance Protecting the details that make your house your home 97% of Chubb clients who had a claim paid were highly satisfied
More informationHOUSING, ALTERATIONS AND SMALL BUILDINGS CONTRACT
NEW ZEALAND STANDARD HOUSING, ALTERATIONS AND SMALL BUILDINGS CONTRACT ISBN 1-86975-015-2 NOTES CONTENTS PAGE Committee representation... IFC Copyright... IFC Referenced documents... 6 Latest revisions...
More informationCity of Penticton: Financial Plan Reporting Structure
City of Penticton: Financial Plan Reporting Structure General Utilities General Government Transportation Services Recreation and Culture Environmental Health Services Public Health and Safety Protective
More informationCLASSICO STRATA PLAN BCS 460
CLASSICO STRATA PLAN BCS 460 STRATA COUNCIL MEETING MINUTES TUESDAY, APRIL 24, 2018, 5:30 PM COUNCIL PRESENT: Roman Piechocki President/Treasurer Peter van Diepen Vice-President Irfaan Hafeez Ken Sopko
More informationAll photos are for illustration purposes only
Sharjah Garden City residential complex in Sharjah is being developed by Shoumous Properties - a partnership between the Albatha Real Estate Group and MAG Group. Spacious villas to cater to Arab lifestyles
More informationPalmAgent Software. Owners Program Manual
PalmAgent Software Owners Program Manual Know the Numbers Since 1982 1 Table of Contents Buyers Programs... Quick Estimate... Conventional... 3 FHA... 9 VA... 11 Conventional /2nd... 12 Interest Only...
More informationReserve Analysis Report
Reserve Analysis Report Soda Creek Condominiums Dillon, Colorado Version 2 Monday, August 19, 2013 6860 S. Yosemite Court, Suite 2000 Centennial, CO 80112 Phone (303) 953-2078 Facsimile (303) 953-2157
More informationDisaster Recovery Toolkit
Disaster Recovery Toolkit Natural disasters test even the toughest people. Experiencing a disaster can be terrifying and tragic, and home recovery is often exhausting. We re here to help in any way we
More informationLike the federal government, individual consumers must manage their money. In this section, you will learn about budgeting and saving money.
Budgeting Section 1 Like the federal government, individual consumers must manage their money. In this section, you will learn about budgeting and saving money. Vocabulary discretionary expense: an expense
More informationWe pride ourselves on being
O U R S T O R Y, Y O U R H O M E I N T R O D U C T I O N INTRODUCTION Oak & Home Traditional Buildings is a family built company that thrives on providing a first class product and service. 0 1 We pride
More informationONEANSWER MULTI-ASSET-CLASS FUNDS GUIDE ONEANSWER A FLEXIBLE APPROACH TO INVESTING 10 AUGUST 2018
ONEANSWER ONEANSWER MULTI-ASSET-CLASS FUNDS A FLEXIBLE APPROACH TO INVESTING GUIDE 10 AUGUST 2018 ISSUER AND MANAGER: ANZ NEW ZEALAND INVESTMENTS LIMITED WHAT S IN THIS GUIDE? Getting started 1 Why us?
More informationVariance FAQ s. Prepared by the Sitka Planning Office, Sara Russell, Planning Assistant Wells Williams, Planning Director
Variance FAQ s Prepared by the Sitka Planning Office, 747-1814 Sara Russell, Planning Assistant Wells Williams, Planning Director Outline of Questions Answered on the following Pages - What is a setback?
More informationc a p í t a l A R E T R O S P E C T I V E A R C H I T E C T U R E
c a p í t a l A R E T R O S P E C T I V E A R C H I T E C T U R E 2 0 0 9-2 0 1 9 Capital A is ten years old. From working at my kitchen table during the Great Recession, to becoming an established Architecture
More informationCottonwoods at Vine. Reserve Study. October 2012
Reserve Study October 2012 Tab Table of Contents Reserve Study Analysis Executive Summary... Remaining Useful Life Analysis... Reserve Study Schedule... Annual Expenditures... Funding Plan Summary... Percentage
More informationCOMMUNICATIONS & ENGAGEMENT STRATEGY
COMMUNICATIONS & ENGAGEMENT STRATEGY 2018 Communications & engagement strategy Contents 1 Introduction to GMPF Who we are What we do What our core values are 2 The purpose of our strategy Why we have developed
More informationReserve Analysis Report
Reserve Analysis Report Park Avenue 244 Quari St Denver, CO Level II Study with Site Inspection Fiscal Year End Date: 12/31/2016 Phone: 858-764-1895 Fax: 800-436-3816 brian@mccafferyreserveconsulting.com
More informationVet s fees of 80. Debit your account. You decide to take your family to the cinema which costs 28. Debit your account
Go back three spaces Vet s fees of 80. Parking fine of 35. Emergency dentist appointment costing 69. You decide to take your family to the cinema which costs 28. Energy prices have risen by 9%. Calculate
More informationFull Reserve Study. The Ridge at Rock Creek Marysville, WA 11/13/2012
Full Reserve Study The Ridge at Rock Creek Marysville, WA 11/13/2012 Report # 1100 Phone: 253-241-8151 E-mail: jeremy@reservesolutions.net www.reservesolutions.net The Ridge at Rock Creek Client Info:
More informationSUMMARY. New construction projects 33, , Refurbishment projects 9, ,
This summary aims to give you an overview of the information contained in this prospectus. As this is a summary, it does not contain all the information that may be important to you. You should read the
More informationOnly fill out the portion of this supplemental that applies to your operation. Lawn Service
Contractor Supplemental - Lawn Service Tree Service and Felling Landscape Gardening Snow Removal Complete in addition to ACORD Application Only fill out the portion of this supplemental that applies to
More informationSummer House Hilton Head State of the Community Annual Meeting 19 March 2015
Summer House Hilton Head State of the Community 2015 Annual Meeting 19 March 2015 State of Summer House EXCELLENT Annual Homeowners Meeting 2014 Board of Directors 2014 Summer House Status 2014 Summer
More informationANZ INVESTMENT FUNDS GUIDE A FLEXIBLE APPROACH TO INVESTING 10 AUGUST 2018 ISSUER AND MANAGER: ANZ NEW ZEALAND INVESTMENTS LIMITED
ANZ INVESTMENT FUNDS A FLEXIBLE APPROACH TO INVESTING GUIDE 10 AUGUST 2018 ISSUER AND MANAGER: ANZ NEW ZEALAND INVESTMENTS LIMITED WHAT S IN THIS GUIDE? Getting started 1 Why us? 2 A snapshot of the funds
More information2017 Taxation Checklist
2017 Taxation Checklist Yes No Details 1. Have there been changes to personal details? Please advise over INCOME 2. Have you received Payment Summaries (formerly group certificates)? 2a What is your main
More informationBalance Sheet Report Nelson Farm Homeowner's Assn. Inc. Operating As of January 31, 2018
Sheet Report As of January 31, 2018 Jan 31, 2018 Dec 31, 2017 Change Assets Funds 1001 - Union Bank Oper #1714 89,899.79 91,527.49 (1,627.70) 1650 - Due To/From Reserves (17,049.00) (15,799.00) (1,25)
More informationSelf Invested Personal Pension. How it can work for you
Self Invested Personal Pension How it can work for you Contents 02 Combining your pensions 03 Maximising your tax efficiency 04 Your payment options 06 Your investment choices 07 Accessing your money 08
More informationBAYLINE CTS TBA 22 BAY TERRACE, WYNNUM
BAYLINE CTS TBA 22 BAY TERRACE, WYNNUM BUDGET FOR FINANCIAL YEAR COMMENCING AFTER 1 ST AGM (YEAR 1) (21 UNITS & INTEREST ENTITLEMENT 1203) Any Audit or Pest Control to be assessed in future years. ADMINISTRATION
More informationDear Condominium Unit Owner:
ROWAYTON WOODS CONDOMINIUM ASSOCIATION, INC. C/O WESTFORD REAL ESTATE MANAGEMENT, LLC 50 Founders Plaza, Suite 207, East Hartford, CT 06108 Tel: 860-528-2885 Fax: 860-528-2989 www.westfordmgt.com To: Rowayton
More informationPhilip A. Ginsburg, General Manager Dawn Kamalanathan, Planning and Capital Program Director
Date: June 1, 2016 To: Through: From: Subject: Recreation and Park Commission Capital Committee Philip A. Ginsburg, General Manager Dawn Kamalanathan, Planning and Capital Program Director Dan Mauer, Project
More informationBuilding Better Parks: An Asset Management Plan for Parks
Header Title Attachment 1 Building Better Parks: An Asset Management Plan for Parks 2 JULY 2016 INTRODUCTION The s (City) parks inventory is composed of a variety of asset sub-classes that include but
More informationYour one-of-a-kind car deserves one-of-a-kind care
Your one-of-a-kind car deserves one-of-a-kind care Masterpiece Classic Car Insurance More than another car. It s your dream. 97% of Chubb clients who had a claim paid were highly satisfied with their claims
More informationReplacement Reserve Study Report
Replacement Reserve Study Report for Landscaping and Lighting Assessment District (Zone 1: La Vigne) For the Napa County, California August 6, 2012 (Revised March 5, 2014) Page i August 6, 2012 (revised
More informationTop 10. What You Need To Know About Becoming A Mortgage Agent. REMIC Real Estate & Mortgage Institute of Canada REMIC.CA
Top 10 What You Need To Know About Becoming A Mortgage Agent REMIC Real Estate & Mortgage Institute of Canada REMIC.CA 877.447.3642 About the Author Joseph J. White has been involved in the mortgage industry
More informationCLASSICO STRATA PLAN BCS 460
CLASSICO STRATA PLAN BCS 460 STRATA COUNCIL MEETING MINUTES TUESDAY, FEBRUARY 27, 2018, 5:30 PM COUNCIL PRESENT: Roman Piechocki President/Treasurer Peter van Diepen Vice-President Irfaan Hafeez Ken Sopko
More informationFive Ways To Incorporate DAN Trip Insurance Into Your Travel Business Model
Five Ways To Incorporate DAN Trip Insurance Into Your Travel Business Model Incorporating DAN Trip Insurance into your business is easier than you may think. There are no complicated agency forms to fill
More information