Commercial insurance depreciation
Commercial Insurance
2018.04.11 07:02 abbie-k90i Commercial Insurance
All Things Commercial Insurance! This subreddit is not to be used to advertise your business.
2016.11.14 21:06 JeremyBigsworth Car Insurance Questions and Help
Car Insurance Help: Shopping for car insurance or have some questions (including accidents or claims issues)? Ask other Redditors here. Read our guides for info to help your search for new car or other vehicle insurance.
2016.12.02 18:45 JustinBilyj A subreddit by insurance agents for insurance agents and consumers
UPDATED(!): This subreddit is for Insurance Professionals (Agents/brokers, owners) to discuss our work and current events and goings on in the industry, in addition to asking and answering questions about the business amongst each other and sharing relevant content. Vendors and uplines (FMO, IMO) are welcome to share useful insurance industry content as long it's not promotional in nature and adds value (no landing pages).
2024.05.20 06:53 CommonGrowth1168 Am i getting an appropriate insurance based on my life situation?
Just a brief info of myself, I am 36, Male, Married, with 1 toddler, may history ang family ko (father side) ng mild stroke. My current income is around 35k only, 8-10k monthly goes to savings para sa anak ko, the rest is for bills and living expenses, As in sakto lang. Now for the insurance info, meron akong 2 insurance na kinuha:
1) BPLAC (BPI-Philam) na binabayaran P1250 monthly since 2021 (every 5 years nataas ang premium) with 1M face value.. Critical Life Saver sya and the benefits are the following:
a) Early Stage Critical Illness Benefit (25% ng face amount ang pwde mong makuha kapag nsa early stage pa lang yung critical illness) b) End Stage Criticlal Illness Benefit (75% ng face amount ang pwde mong makuha kapag nsa end stage condition ka na) c) Medical Treatment (up to 10% of face amount, if you plan to treat the illness) d) Special Compassionate Benefit (5% face amount if mamatay yung policy holder)
2) Singlife Insurance (Cash Income Loss) with P1250 monthly rin started this year with 3M face value. Benefits are the following:
Disability/Death - 100% of face value but in terms of monthly cash benefit (50k/mo) for 5 years and additional 200k at the last payment of cash benefit.
Expanded Accident - 50% of face value, on happens if you got disabled on high risk sport activities, pilot, paid driver, works in a commercial vehicle, acts of terrorism, and during nucleabiological/chemical warfare.
Tingin nyo po enough na? Or do you have any suggestion na ibang insurance with greater benefits with the same/lower premium? Thanks. Any input will be much appreciated.
submitted by CommonGrowth1168 to phinsurance [link] [comments]
1) BPLAC (BPI-Philam) na binabayaran P1250 monthly since 2021 (every 5 years nataas ang premium) with 1M face value.. Critical Life Saver sya and the benefits are the following:
a) Early Stage Critical Illness Benefit (25% ng face amount ang pwde mong makuha kapag nsa early stage pa lang yung critical illness) b) End Stage Criticlal Illness Benefit (75% ng face amount ang pwde mong makuha kapag nsa end stage condition ka na) c) Medical Treatment (up to 10% of face amount, if you plan to treat the illness) d) Special Compassionate Benefit (5% face amount if mamatay yung policy holder)
2) Singlife Insurance (Cash Income Loss) with P1250 monthly rin started this year with 3M face value. Benefits are the following:
Disability/Death - 100% of face value but in terms of monthly cash benefit (50k/mo) for 5 years and additional 200k at the last payment of cash benefit.
Expanded Accident - 50% of face value, on happens if you got disabled on high risk sport activities, pilot, paid driver, works in a commercial vehicle, acts of terrorism, and during nucleabiological/chemical warfare.
Tingin nyo po enough na? Or do you have any suggestion na ibang insurance with greater benefits with the same/lower premium? Thanks. Any input will be much appreciated.
2024.05.20 06:29 Patient_Ad3716 My brother is a union plumber, hired me to build a website for a side job business and promote it but worried about potential legal issues...
Found out he's not technically licensed or insured even though his business cards say it and the website I built for him says it. I thought all union plumbepipefitters were licensed... He does commercial plumbing work for extremely big projects in Ohio, new construction but the side jobs would be evening/weekend residential repair and new installation upgrades. He doesn't want to pay taxes on the side jobs so he doesn't want to incorporate with an LLC so this is really challenging for me because in order to promote him or work with Google on targeted ads or do search engine optimization to get him clients I need some kind of business name as a title that he shows up as, whether in targeted Google ads or as one of the Google search engine results or in one of the many business directories for professional plumbers that I need to link his name and website and contact info to in order to make him a top Google search result.
I understand not wanting to pay taxes, especially when he is already in a high tax bracket from making $48 an hour at his regular 9-5 but taxes are a fact of life.. I don't like paying taxes either. Since he doesn't want to get an LLC I need to make sure the business name I use isn't actually registered so he doesn't get sued, I have to worry about whether or not Google and other platforms verify licensure and insurance and incorporation before allowing ads or being added to their directories, it's a frickin mess..
Have any of you guys had a side job business and managed to have your website at the top of Google without incorporating and being licensed and insured? He said he can get insured, that's not an issue but I don't understand why he isn't licensed...is it that hard? How do you make $48 an hour and a union journeyman with 20 years experience but not licensed? He definitely has the training, skill, experience...but years back he was addicted to heroin for a while and got a couple theft charges, does that prevent you from being a licensed plumber in Ohio? He's been clean for many years now...If that's the reason why, I don't know if he's ever checked into whether or not it's a deal breaker for lice sure. The licensing is up to a state board, right? It was a pretty long time ago now, since the theft... Seems like they would license him since he hasn't been in trouble since that fiasco if that were the issue.
But yeah, if anyone is familiar with what my brother is trying to accomplish with his side business or what I'm trying to accomplish helping to promote his side work through the website I designed for him and am looking to promote, any advice/info would be greatly appreciated.
Im not a tax accountant but I wish I could convince him to just get an LLC and just pay taxes, would certainly make it easier for me to promote this side business. It seems like he could easily be targeted by the IRS and he wouldn't have protection from getting sued and a lot of jobs wouldn't work out if they are jobs being paid for by insurance companies that probably require work to be done by licensed, insured, plumbers and by someone with a tax id/ with an llc.
Even though he would be paying a lot of tax money, it seems like he could take advantage of a lot of tax write offs. Wouldn't he be able to write off payments for his new truck, a portion of his mortgage payment since some of his house could be claimed as office space, cell phone bill for service calls, gas for service calls, etc? If you have info like that and know real numbers of the savings from tax write offs and real cost numbers of hiring an accountant and things like filing articles of incorporation that could help convince him to do all of this the legit way I would really appreciate it! Thanks.
submitted by Patient_Ad3716 to Plumbing [link] [comments]
I understand not wanting to pay taxes, especially when he is already in a high tax bracket from making $48 an hour at his regular 9-5 but taxes are a fact of life.. I don't like paying taxes either. Since he doesn't want to get an LLC I need to make sure the business name I use isn't actually registered so he doesn't get sued, I have to worry about whether or not Google and other platforms verify licensure and insurance and incorporation before allowing ads or being added to their directories, it's a frickin mess..
Have any of you guys had a side job business and managed to have your website at the top of Google without incorporating and being licensed and insured? He said he can get insured, that's not an issue but I don't understand why he isn't licensed...is it that hard? How do you make $48 an hour and a union journeyman with 20 years experience but not licensed? He definitely has the training, skill, experience...but years back he was addicted to heroin for a while and got a couple theft charges, does that prevent you from being a licensed plumber in Ohio? He's been clean for many years now...If that's the reason why, I don't know if he's ever checked into whether or not it's a deal breaker for lice sure. The licensing is up to a state board, right? It was a pretty long time ago now, since the theft... Seems like they would license him since he hasn't been in trouble since that fiasco if that were the issue.
But yeah, if anyone is familiar with what my brother is trying to accomplish with his side business or what I'm trying to accomplish helping to promote his side work through the website I designed for him and am looking to promote, any advice/info would be greatly appreciated.
Im not a tax accountant but I wish I could convince him to just get an LLC and just pay taxes, would certainly make it easier for me to promote this side business. It seems like he could easily be targeted by the IRS and he wouldn't have protection from getting sued and a lot of jobs wouldn't work out if they are jobs being paid for by insurance companies that probably require work to be done by licensed, insured, plumbers and by someone with a tax id/ with an llc.
Even though he would be paying a lot of tax money, it seems like he could take advantage of a lot of tax write offs. Wouldn't he be able to write off payments for his new truck, a portion of his mortgage payment since some of his house could be claimed as office space, cell phone bill for service calls, gas for service calls, etc? If you have info like that and know real numbers of the savings from tax write offs and real cost numbers of hiring an accountant and things like filing articles of incorporation that could help convince him to do all of this the legit way I would really appreciate it! Thanks.
2024.05.20 02:53 I-changed-my-name Bond and insurance recommendations
Can anyone recommend insurance and bond companies in IL for a commercial license please?
submitted by I-changed-my-name to Construction [link] [comments]
2024.05.20 02:27 golangprojects [Hiring] Remote Clojure job: Senior Developer at Redfin (Seattle, Washington, United States) Salary: $141,800 - 191,600 USD
Salary: $141,800 - 191,600 Redfin is combining technology and customer service to reinvent the end-to-end experience for buying and selling a home in the consumer’s favor. We are a mission-driven company helping people across North America buy and sell homes, saving them hundreds of millions of dollars in fees, and doing it all with a high customer satisfaction score. With over $75 billion spent every year on real estate commissions, the opportunity is huge and the industry is ripe for change.
As the Sr. Software Developer, you will specifically be supporting our Rent. clients. In primary service to Rent.’s search engine optimization (SEO), internal data, and analytics teams, the Sr. Software Developer is responsible for the delivery of the best-in-class technical solutions to meet the needs of our customers.
Rent. is the leading technology company in the property rental industry. Rent. delivers integrated solutions that bring together the right renter, with the right property, at the right time. Rent.'s robust, proprietary AI platform powers a full suite of best-in-class digital marketing solutions across our flagship listing sites Rent.com, ApartmentGuide.com, and Rentals.com, as well as search, social, email marketing, reputation management, a virtual leasing office, and more. Rent. simplifies the rental journey of connecting people and properties through an engaging user experience and data-driven innovations.
The Role
submitted by golangprojects to techjobs [link] [comments]
As the Sr. Software Developer, you will specifically be supporting our Rent. clients. In primary service to Rent.’s search engine optimization (SEO), internal data, and analytics teams, the Sr. Software Developer is responsible for the delivery of the best-in-class technical solutions to meet the needs of our customers.
Rent. is the leading technology company in the property rental industry. Rent. delivers integrated solutions that bring together the right renter, with the right property, at the right time. Rent.'s robust, proprietary AI platform powers a full suite of best-in-class digital marketing solutions across our flagship listing sites Rent.com, ApartmentGuide.com, and Rentals.com, as well as search, social, email marketing, reputation management, a virtual leasing office, and more. Rent. simplifies the rental journey of connecting people and properties through an engaging user experience and data-driven innovations.
The Role
Sr. Software Developer holds a reputation for being coachable, receptive to mentorship, and is showing continuous improvement in technical ability. Highly available, rapid and highly responsive data/business logic is consistently available to our stakeholders. Our products are kept current and modernized; growing and adapting to new trends and technologies to ensure we are on the forefront of curve. Supervisor and appropriate stakeholders are kept consistently informed regarding architectural diagrams, and flaws in their creation are minimal and caught/addressed swiftly; end-user is enabled to utilize codes correctly and as intended. Workflow transparency exists to such a degree that the right work is successfully prioritized, commercialization is well coordinated and execution delivers high quality output the first time, without requiring multiple iterations and rework.About you
Professional software development experience utilizing Clojure in production, and with a heavy focus on functional programming Experience working with stream processing platforms and message brokers, such as Apache Kafka and RabbitMQ Demonstrated usage and understanding of cloud-based technologies Familiarity with containerization and configuration tools such as Docker, Kubernetes, and Terraform Nice to have technology includes Apache NiFi, Oracle, GrafanaWhat We Offer
Competitive compensation packages with a salary, bonuses, and restricted stock grants. Generous benefits, including three weeks of paid vacation, medical, dental, and vision insurance, and fully paid family leave. A high-growth company, providing opportunities for continued professional development and growth.Read more / apply: https://ClojureJobboard.com/clojure-job/of-remote-senior-developer-seattle-redfin-remotework.html
2024.05.20 02:00 ItsssYaBoiiiShawdyy Theories on Theories: Assessing the Potential Magnitude of the May 17th Prospectus Filings, Part II, Is the Reverse Uno is Upon Us?
 | Edit: Of course I fucked up the title. Lol. Is the Reverse Uno Upon Us?* submitted by ItsssYaBoiiiShawdyy to Superstonk [link] [comments] Hello again, Apes. I have gotten a solid 4 hours of sleep and am ready to keep plugging along. Disclaimer: Nothing of which I discuss is financial advice and not indicative of what you should do with your money or investments. Make your own decisions. I have no idea what I am talking about. Link to Part I of my little write-up, recommended that you read that first: https://www.reddit.com/Superstonk/comments/1cvo4hw/theories_on_theories_assessing_the_potential/ TL;DR for Part I: After 3+ years of working in near silence, Gamestop has dropped a reverse uno time-bomb nuke on shorts, and I don't believe we have fully comprehended just how big and effective of a nuke it will be. They finally released their plans to end the abusive short-selling once and for all... I believe the details in the filings have the answers. Need more eyes. We just need to HODL and let RC & Team work their magic. This was precisely timed and will be executed precisely. I believe they are about to throw the whole kitchen sink at em. Shorts r truly fuk. To be continued. TL;DR for Part II: Although you should really read through this to get super jacked...Predicition: Gamestop will lay down the reverse uno... the company will protect its shareholders through a slew of new, private, non-dilutive security offerings that we get first dibs on, and that are backed by our current/future holdings. Cash/non-cash dividends from the proceeds of the sale of those securities (units) are on the table. Thus, forcing shorts to either pay or close. MOASS is inevitable. Many Apes have stepped up to begin analyzing these filings. Thank you! The goal with my analysis is to continue to educate Apes on what all this jargon means, shine more light on the specificities of the filings and to speculate (for fun) as to what I think Gamestop is going to do based on the specificities. In the first part, I discussed Book Entry Securities issued via the DTC (the stock we all know and love), Preferred Stock (the juicy and scare new stock on the block), and the mysterious "Preferred Stock Depositary" (PSD) and its proposed role in the issuance and management of Gamestop's preferred stock to Apes worldwide, keeping it away from abusive short sellers and directly in the hands of Apes. In my first part, I speculated that the unnamed PSD would likely be computershare. But the more I think about it, the more I am unsure of that. And maybe that is why it is unnamed as of yet. Many Apes from different parts of the world have been unable to DRS, so that means they have been unable to access/use Computershare to hold/manage their shares and the DTC shit the bed one too many times when they committed international securities fraud on the splividend. So, I am thinking its possible that Gamestop secures another entity with more accessibility worldwide, or perhaps is even in the process of creating their own depositary for their newly-issued securities (dare I say, units?), to manage their "Global Securities" (a term they use in the filings). Tory vs. TaryChat GPT: In the context of stocks, both “depository” and “depositary” refer to entities that hold securities, but they serve different functions:
It seems there is more to come here as to what exact role the depositary will serve. Notice the phrasing \"series of securities that differ from the terms described here\" Tinfoil: We have seen some evidence of and speculated that Gamestop is looking more and more like they are positioning themselves to not only be dominant in retail gaming, but also serve as a holding company, potentially even serving as their own "bank". Could a brand new, currently unknown arm of Gamestop BE the unnamed depositary??? Warren Icahn anyone? https://preview.redd.it/j1dmqz31lg1d1.jpg?width=748&format=pjpg&auto=webp&s=8d8ff6dbd7a37307413c79f9527508194a509031 If so, what role would Computershare then play? This was speculated long ago and I am thinking these filings are just a peek inside the inner workings of such an entity. Subscriptions, Warrants, and UnitsSounds a lot like "series of securities that differ from the terms described here", doesn't it? In part I, I left off with a couple teasers and I look to close the tinfoil loop on those here.GPT: Stock subscriptions and warrants are both financial instruments related to the stock market, but they serve different purposes:
Here's where I use a whole roll of Reynolds Heavy Duty Tin Foil:Sooo, in Part I, I offer the notion that Gamestop isn't going to just do one or two of these proposed offerings, they are going to do them all and they're telling us how. What I am gathering so far is Apes/holders/longs will get a chance to suck up the (45M, but up to 1B) book-securities shares faster and cheaper than you can possibly imagine through the simultaneous issuance/use of Warrants and Subscription Contracts. These investment vehicles will be issued to all record holders in "Units". And there's a lot of juice to squeeze outta this IMO.Notice here, mention of \"unit agent\" and again in the bulletpoints, they mention \"a bank or trust company\" that governs the \"units\". I'm thinking they will likely be the same entity that manages it all. Gamestop's TL;DR on units: We can issue any number of combinations of two or more of the aforementioned securities/vehicles (Warrants Subscriptions, Common Stock, Preferred Stock) which we call "Units". They may be transferable as a single security that holds multiple securities within it. Our unit Agent (a designated trust or bank) will distribute and manage the units. AND, the units might not even be listed on any securities exchange. (Privately held, hard to trade, hard to access, hard to fuck with UNITS of securities?) So, hypothetically, all shareholders of record on a given record date determined by a supplemental filing will get FIRST DIBS to purchase en masse, a lot of Gamestop stock, perhaps cheaper than ever before. The warrants give us the opportunity to buy at a pre-determined price, the subscriptions contracts give us the chance to not dilute our value in our holdings. Gamestop is literally going to nearly GIVE us a shitload more stock, securely, and through a private, exclusive offering. And here's where it gets even more juicy...I think they're gonna do it DFV style...in reverse order, relative to the order of each type of offering listed in their filing. Protect Ya Neck, Shorts! There's gonna be a rush to grab GME stock!The PlanSee if you can follow me here...in order...
I'm sitting here thinking...what if, as a "thank you" to loyal shareholders, they invest it back into shareholder accounts through an immediate cash dividend? Why would you want to leave if you're getting sick divvies on all your newly acquired stock (common and/or preferred)? You just spent $ buying preferred stock, why not delight investors by giving some right back? Awh but that would be expensive for the company! Nope. It would be expensive for the SHORTS who are responsible for paying that dividend! https://preview.redd.it/a4on4059ug1d1.jpg?width=225&format=pjpg&auto=webp&s=21617ee7dff5ddb3e2a4046e481a47dbb464bddb GPT: When you short a stock, you’re borrowing shares from someone else (typically your brokerage firm) and selling them on the open market12. The person or entity from whom you borrowed the shares still technically owns them. If the company issues a dividend during this time, the original owner of the shares is entitled to that dividend12. However, since their shares have been sold to a third party (by you, the short-seller), you are responsible for making the dividend payment to the original owner12. This means that if you have a short position on a stock when it goes ex-dividend (the date by which you need to own the stock to receive the dividend), you will owe the amount of the dividend to the lender of the shares12. So, in summary, if you’re short a stock and that stock pays a dividend, you’ll be responsible for paying that dividend to the person or entity from whom you borrowed the shares12. This is an important consideration to keep in mind when deciding to short a stock, especially one that pays dividends. So, let's say the shorts are still regarded af...and they have the $ to pay the dividend(s), cool. What if GME issues multiple or even monthly dividends? (There are currently 80 stocks that issue monthly dividends) Well, one, they can only pay for this for so long on top of the collateral and capital required to maintain their short position... Then, boom goes the dynamite. And if THAT doesn't work, gamestop could just choose to issue a non-cash dividend...which they outline below... Wombo Combo? Gamestop's ELI5: In the event that we issue a non-cash dividend, the PSD (depositary) will distribute the PROPERTY received by it TO the record holders of the depositary (preferred) shares entitled there to, IN PROPORTION to the number of depositiary shares owned by those holders. UNESS...the PSD determines that it somehow cannot be done...THEN the PSD may take that PROPERTY...and sell it publically or privately, and then the proceeds from that public/private sale will go directly to holder of the preferred stock. Tinfoil? They're gonna try and issue/distribute the Wu-Tang Album or some other non-fungible property via a non-cash dividend. If that can't be done for whatever reason, they will sell the album/property at auction...all proceeds go back to preferred stock holders. No matter what, holders of the preferred stock win. My last bit of tinfoil sounds crazy but, again, in part I, I spoke about filings saying the stock can be issued permanently, or even temporarily. Gamestop sucks back up a ton of their class A common stock through buy backs. They may already be beginning to do that while the price is cheap, eventually leaving only a small amount of shares, or even just preferred stock available, privately held in the names holders. Non-diluted, more scarce, more valuable, and unable to be fucked with. GME becomes its own bank. Shareholders get the protection they deserve. MOASS happens through one of many ways... I understand this is NOT proof that they are buying back...just speculation. Once Gamestop has the shorts off their back finally, and the capital they want/need...they then go about what they really want to continue to GROW the company...mergers/acquisitions? Also, some other Apes have said that its possible the Gamestop is offering the shorts a way out. And while personally do not think this is fair or likely, I think its possible and would not surprise me. But what if Apes/longs suck up all the shares at these offerings before shorts even get a chance? Then they're still fucked. Still needed our shares and they're now EVEN HARDER to get. https://preview.redd.it/xooxvb412h1d1.jpg?width=1516&format=pjpg&auto=webp&s=d9ce6f25167ee4b65852e83e3697898217bc4d04 No matter what, I AM JACKED. I CANNOT WAIT TO SEE WHAT IT ENDS UP LOOKING LIKE. Apes together Strong. TL;DR: Although you should really read through this to get super jacked...Predicition: Gamestop will lay down the reverse uno... the company will protect its shareholders through a slew of new, private, non-dilutive security offerings that we get first dibs on, and that are backed by our current/future holdings. Cash/non-cash dividends from the proceeds of the sale of those securities (units) are on the table. Thus, forcing shorts to either pay or close. MOASS is inevitable. |
2024.05.20 01:42 Finchsticks WILD turkey SLAMMED and SHATTERED my window! 🦃🦃🦃 This is a video of me wrangling it out of my bedroom.
 | Turkey Wrangling submitted by Finchsticks to funny [link] [comments] SHATTERED window Came in with some velocity! tldr: Wild turkey flew through and shattered my second-floor window, I wrangled it. I was watching a scary movie when I heard the crash upstairs, I was the only one home watching my 6mo. I was frozen, wondering what I just heard… did a mirror fall off the wall? Then, I started to hear thuds. It was 9am on a Saturday, why was someone breaking into my house... and from the second floor? On my way to investigate, when I went past the front windows, I saw my neighbor happened to be walking by and his wife was pointing up at my house. While holding the baby, I opened the front door to check with the neighbors to see what was going on, and just at that moment, something caused me to turn around and look up the stairway. I saw this turkey head, doing its stupid turkey strut 🦃 🦃 🦃 right across the top of the stairs and into my bedroom! I turned back around and yelled at my neighbors, “There’s a fucking Turkey in my house!!!” I ran outside I asked the neighbors wife to hold the baby, grabbed my dog and closed him in the garage. I had a moment of clarity and thought to myself that this had to be some sort of set up for an insurance commercial, then headed back toward the front door. My neighbor asked if I needed help and all I could say was, “Probably!”. The film picks up at this point. |
2024.05.20 01:23 argoris22 Love to see it.
 | This ride paid more to “insurance and other expenses more than what it paid me. lol submitted by argoris22 to lyftdrivers [link] [comments] |
2024.05.20 01:02 mylocksmithcalgaryab My Locksmith Calgary- 1+ 587 333-0574
 | https://preview.redd.it/4xmd2bw1sg1d1.png?width=680&format=png&auto=webp&s=f1af92ca7b38a29d1eeb12ee1a5eb1f58b8cb1d1 submitted by mylocksmithcalgaryab to u/mylocksmithcalgaryab [link] [comments] Locksmith Calgary, Alberta: My Locksmith CalgaryIntroductionLocksmith services are essential for ensuring the security and safety of our homes, businesses, and vehicles. In Calgary, Alberta, having access to reliable locksmith services is crucial due to the city's growing population and the increasing need for advanced security solutions. My Locksmith Calgary stands out as a premier provider of comprehensive locksmith services, catering to residential, commercial, automotive, and emergency needs. Types of Locksmith Services For Customers In Calgary, AB Residential Locksmith Services Residential locksmith services are vital for homeowners who need to protect their property and loved ones. 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Emergency Locksmith Services Scenarios Requiring Emergency Locksmith Services Emergency locksmith services are needed in various situations, including home and car lockouts, broken locks, and security breaches. Importance of Quick Response A swift response is crucial in emergencies to mitigate risks and resolve issues promptly. My Locksmith Calgary's rapid response team ensures timely assistance. What to Expect from an Emergency Locksmith Emergency locksmiths provide immediate solutions to urgent problems, such as unlocking doors, repairing locks, and replacing keys. Preventing Future Lock Emergencies Implementing preventive measures, such as regular maintenance and using high-quality locks, can help avoid future emergencies. Emergency Preparedness Tips Being prepared for lock-related emergencies involves having contact information for a reliable locksmith, keeping spare keys, and maintaining locks in good condition. Why Choose My Locksmith Calgary? Company Overview My Locksmith Calgary is a trusted provider of comprehensive locksmith services, known for its reliability, expertise, and customer-centric approach. Experience and Expertise With years of experience in the industry, My Locksmith Calgary boasts a team of skilled professionals equipped to handle various locksmith needs. My Locksmith Calgary 215 13 Ave SW Unit 1701 Calgary, AB T2H 0V6, Canada 1+ 587 333-0574 https://www.mycalgarylocksmith.ca/ |
2024.05.19 23:47 OkPin3106 1099 and W2 health care employee
Hey y’all since my CPA sounds like he doesn’t know what he’s doing (i may be wrong) decided to post here if someone similar in health care.
This year i’m projected to make 200-240k 1099 side gig where I do mobile wound care services (using my own car and buying my own supplies, 2x a week traveling 300-400 miles each day) AND 110-130k as a W2 employee working in clinic.
My question is best to approach my write off for mainly the 1099 gig. I was looking into the S corp route however this is something short term 1-2 years max. So far what I’ve gathered for write off is
student loans (i think there is a cap to this per year or may not qualify bc make too much) CCs and debits (food gas office etc) health insurance (3 months i had to pay out of pocket bc i didn’t start my W2 job until April) 2500$ FSA HYSA 4.25 APY (i know my gains from here will be taxed at the end of the year) 401k (just started this expected to put in 16-19k through my W2 job who matches 6%)
Basically the CPA said to buy a house to write off like 100k for depreciation (given a 500-600k house in CA). I’m not ready for that commitment yet since I still have a good chunk of school loans and only 29. I was possibly thinking of buying a new car? Other than the top, not sure how to approach this. I think 30-35% of the 1099 will be taxed if im not mistaken?
Any help appreciated, thank you!!!
submitted by OkPin3106 to personalfinance [link] [comments]
This year i’m projected to make 200-240k 1099 side gig where I do mobile wound care services (using my own car and buying my own supplies, 2x a week traveling 300-400 miles each day) AND 110-130k as a W2 employee working in clinic.
My question is best to approach my write off for mainly the 1099 gig. I was looking into the S corp route however this is something short term 1-2 years max. So far what I’ve gathered for write off is
student loans (i think there is a cap to this per year or may not qualify bc make too much) CCs and debits (food gas office etc) health insurance (3 months i had to pay out of pocket bc i didn’t start my W2 job until April) 2500$ FSA HYSA 4.25 APY (i know my gains from here will be taxed at the end of the year) 401k (just started this expected to put in 16-19k through my W2 job who matches 6%)
Basically the CPA said to buy a house to write off like 100k for depreciation (given a 500-600k house in CA). I’m not ready for that commitment yet since I still have a good chunk of school loans and only 29. I was possibly thinking of buying a new car? Other than the top, not sure how to approach this. I think 30-35% of the 1099 will be taxed if im not mistaken?
Any help appreciated, thank you!!!
2024.05.19 21:25 Eagle___Eyes Am I doing this right?
 | The quest was 50 rides for $175 Made use of a few bonus hours as well. submitted by Eagle___Eyes to lyftdrivers [link] [comments] |
2024.05.19 20:17 golangprojects [Hiring] Remote Clojure job: Senior Developer at Redfin (Seattle, Washington, United States) Salary: $141,800 - 191,600 USD
Salary: $141,800 - 191,600 Redfin is combining technology and customer service to reinvent the end-to-end experience for buying and selling a home in the consumer’s favor. We are a mission-driven company helping people across North America buy and sell homes, saving them hundreds of millions of dollars in fees, and doing it all with a high customer satisfaction score. With over $75 billion spent every year on real estate commissions, the opportunity is huge and the industry is ripe for change.
As the Sr. Software Developer, you will specifically be supporting our Rent. clients. In primary service to Rent.’s search engine optimization (SEO), internal data, and analytics teams, the Sr. Software Developer is responsible for the delivery of the best-in-class technical solutions to meet the needs of our customers.
Rent. is the leading technology company in the property rental industry. Rent. delivers integrated solutions that bring together the right renter, with the right property, at the right time. Rent.'s robust, proprietary AI platform powers a full suite of best-in-class digital marketing solutions across our flagship listing sites Rent.com, ApartmentGuide.com, and Rentals.com, as well as search, social, email marketing, reputation management, a virtual leasing office, and more. Rent. simplifies the rental journey of connecting people and properties through an engaging user experience and data-driven innovations.
The Role
submitted by golangprojects to jobbit [link] [comments]
As the Sr. Software Developer, you will specifically be supporting our Rent. clients. In primary service to Rent.’s search engine optimization (SEO), internal data, and analytics teams, the Sr. Software Developer is responsible for the delivery of the best-in-class technical solutions to meet the needs of our customers.
Rent. is the leading technology company in the property rental industry. Rent. delivers integrated solutions that bring together the right renter, with the right property, at the right time. Rent.'s robust, proprietary AI platform powers a full suite of best-in-class digital marketing solutions across our flagship listing sites Rent.com, ApartmentGuide.com, and Rentals.com, as well as search, social, email marketing, reputation management, a virtual leasing office, and more. Rent. simplifies the rental journey of connecting people and properties through an engaging user experience and data-driven innovations.
The Role
Sr. Software Developer holds a reputation for being coachable, receptive to mentorship, and is showing continuous improvement in technical ability. Highly available, rapid and highly responsive data/business logic is consistently available to our stakeholders. Our products are kept current and modernized; growing and adapting to new trends and technologies to ensure we are on the forefront of curve. Supervisor and appropriate stakeholders are kept consistently informed regarding architectural diagrams, and flaws in their creation are minimal and caught/addressed swiftly; end-user is enabled to utilize codes correctly and as intended. Workflow transparency exists to such a degree that the right work is successfully prioritized, commercialization is well coordinated and execution delivers high quality output the first time, without requiring multiple iterations and rework.About you
Professional software development experience utilizing Clojure in production, and with a heavy focus on functional programming Experience working with stream processing platforms and message brokers, such as Apache Kafka and RabbitMQ Demonstrated usage and understanding of cloud-based technologies Familiarity with containerization and configuration tools such as Docker, Kubernetes, and Terraform Nice to have technology includes Apache NiFi, Oracle, GrafanaWhat We Offer
Competitive compensation packages with a salary, bonuses, and restricted stock grants. Generous benefits, including three weeks of paid vacation, medical, dental, and vision insurance, and fully paid family leave. A high-growth company, providing opportunities for continued professional development and growth.Read more / apply: https://ClojureJobboard.com/clojure-job/of-remote-senior-developer-seattle-redfin-remotework.html
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|---|---|---|---|---|
| 400I | ||||
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2024.05.19 17:20 deepak9920 Spruce Up Your Space: Painting Services in Dubai
Giving your home a refresh? A new coat of paint can do wonders! Whether you're looking for a vibrant pop of color or a classic neutral tone, painting services in Dubai can help you achieve your vision.
Benefits of Professional Painting
There are many advantages to hiring professional painters. Here are a few:
Dubai boasts a wide range of painting companies. Here are some tips for choosing the right one for you:
One company to consider is Dubai Painters. They offer a comprehensive range of painting services for residential and commercial properties. Their team of experienced and skilled painters is dedicated to providing high-quality work and exceptional customer service.
Here are some of the services Dubai Painters provides:
submitted by deepak9920 to u/deepak9920 [link] [comments]
Benefits of Professional Painting
There are many advantages to hiring professional painters. Here are a few:
- Expertise: Professional painters have the knowledge and experience to tackle any project, big or small. They can recommend the right type of paint for your needs and ensure a flawless finish.
- Efficiency: Professional painters work quickly and efficiently, minimizing disruption to your daily life.
- Quality: With their expertise and high-quality tools, professional painters deliver a long-lasting, beautiful finish.
- Convenience: They handle all the prep work, painting, and clean-up, saving you time and effort.
Dubai boasts a wide range of painting companies. Here are some tips for choosing the right one for you:
- Get recommendations: Ask friends, family, or neighbors for recommendations.
- Research online: Read reviews and compare services offered by different companies.
- Consider your budget: Get quotes from several companies to find one that fits your budget.
- Ask questions: Don't hesitate to ask about the company's experience, insurance, and warranty policies.
One company to consider is Dubai Painters. They offer a comprehensive range of painting services for residential and commercial properties. Their team of experienced and skilled painters is dedicated to providing high-quality work and exceptional customer service.
Here are some of the services Dubai Painters provides:
- Interior and exterior painting
- Wallpaper removal and installation
- Furniture painting
- Decorative finishes
2024.05.19 16:38 Right-Glove1997 Still the most iconic Mean Girls scene. #2004MeanGirls
 | submitted by Right-Glove1997 to MeanGirls [link] [comments] |
2024.05.19 16:38 wawiebot how much did the pax really pay? Lyft changing how much passenger paid.
 | submitted by wawiebot to lyftdrivers [link] [comments] |
2024.05.19 11:53 Antibot_One My Cyberpunk City Factions
Greetings, citizens! I'm a writer, mostly freelance, but I've been working on my own setting for a while now. I've already described some of the basics of how my world is organized in the two posts on another subreddit, so I won't repeat them unnecessarily. Long story short: this is an alternate world that has deposits of metastable metallic hydrogen, concentrated at deep waters and in cold regions. Hydrogen, instead of oil, is the basis of the world's economy here, the corporations that have grown from its extraction and use have more power than governments. The political map of the world is different from our own, with different forces at play than we are used to.
The main setting is the city of Neone, located somewhere on the coast of the Balkan Peninsula. I won't specify a particular place or pick a certain country for its location. Instead, I will take some features from some various ones to add local flavor. As one of the largest trading hubs in the world, this city is very wealthy, but it's the kind of wealth that easily slips through your fingers. Everything is buying and selling here, and human life is just as much a bargaining chip. Life in Neone is determined by the actions that the Players, the main political forces in the city, take with one another. Relations between them can swing from friendship to hostility... Or sometimes a combination of both at the same time. So, here's a preliminary list of the ones I've already come up with:
CORPORATIONS:
Astara Industries is the “beauty industry” in all its forms. Silk and gold, perfume and cosmetics. Modeling, music, entertainment, plastic surgery, and escort services. Rumored to be involved in much darker affairs, but that doesn't stop a lot of young guys and especially girls from trying their luck and signing another cabal contract with Astara. The higher the ranks of their employees, the more the corporation seems to be a kind of cult that worships the very idea of beauty itself. Recently, this company has been investing colossal amounts of money into an ambitious project designed to stop aging and mortality.
Change Inc. is a pretty mysterious organization that primarily provides construction and design services as well as financial operations and data protection services. On deeper layers lies espionage and information trading to anyone who can offer a more interesting price for it.
Chapek's Clockworks is the other major robotics company that has dominated the market for quite a while. Now they are more famous for their retro designs and sponsorship of the theatrical scene.
Chimera Chemicals is a biochemical giant that once started out as a fertilizer manufacturer. Now they deal in just about everything chemical related, including weapons, and also sponsor gene modifications.
Dragonfruit Digital is a world famous software and electronics developer that was leading the market before the rapid... well, rise of Risen Robotics.
Friture Science is a food concern dedicated to the mission of feeding the world. In addition to natural products, they develop synthetic ones as well as a number of associated products.
Fortuna Fishing - seafood production in Neone coastal waters and also beyond and deeper. Some of the things they found deep in the waters made them a little bit... Well, superstitious.
Greenfield Gardens - Similar in many ways to the previous one, this company focuses on environmental protection and recycling methods. Owns many farms and gardens in the city and beyond. Genetic modifications, too.
Hecate Guaranty is a law and insurance company. Deals with all possible disputes of their clients, property issues, and more. When required and paid decently, can provide a person or group of people a new life and a new home.
International Inc. is the most boring company in the world. Originally a construction contractor they pioneered the technology of rapid modular building. Because of this, International Inc. quickly built up capital and influence by rebuilding cities after wars. Eventually they expanded into selling associated products and services, then logistics, recruiting personnel... And now International Inc. provides half of the world's products. Each of their products is completely featureless, but they get the job done at an acceptable price.
Keller & Crow is one of Europe's largest arms manufacturers, dating back to World War I, or maybe even earlier. Known for their high quality and appropriate prices.
Keller-Tec is, in more than one sense, a daughter corporation of Keller & Crow. It develops the most cutting-edge custom weapon and gear systems. It works closely with Risen Robotics and actively funds the Fountain of Good.
Kiki Courier Company is a network of independent couriers working through the app. Moving around the roofs of Neone, they are able to deliver a small cargo personally in their hands for those who don't trust big companies.
Matsubayashi Motors is a Japanese vehicle manufacturer. Raised on defense contracts, they now make anything that can carry a human in it, from scooters and cars to aircraft and bolides.
MOLOT manufactures is another major arms manufacturer in Europe. In fact a franchise that sells to factories around the world the rights to produce copies of their world famous models. Their designs are a bit crude, but reliable and durable.
Poseidon's Possibilities - A marine transportation company that plays an important role in city and global shipping. Considering the high risk of piracy, possess pretty good assets to protect themselves, and sometimes execute third-party orders in coastal zones.
Risen Robotics is one of the world's important corporations. Creating innovative neural chip technology, Risen Robotics quickly earned financial and political capital and aiming for more. They were the first to commercialize a truly cheap and mass-produced android called the Peacebringer, and these robots can be seen in the military, security companies, and even as security guards in the market and malls and as bouncers in nightclubs. Building its influence, Risen Robotics aims to actively bring its tech into the lives of everyone in the world... And then their gaze will be directed higher into the skies and to the stars.
Royal Arms - Once a major weapons company, they are now more focused on the civilian market and support tools. Their high-precision tools and cybernetic limbs are widely used in civilian and military markets, as well as the medicine and even space industries.
Strigoi Sovereign is a company with a long history of working with private customers. They originally focused on hunting and harvesting of high-value resources, but gradually expanded. Nowadays, they are known for their customized combat enhancements, whether it be tough training and gear customization as well as biological, chemical, and cybernetic enhancements. Among all forms of payment, they prefer transactions in precious metals.
Van Nueve Innovations is another deep genetic research company. After their role in human trafficking and criminal experiments was revealed, their assets were mostly shut and sold down. Now their stuff keeps popping up on the black market - though, in this city, the difference between the regular and black market is barely noticeable.
Vulcan Weaponry is another firearm company with a long history, with a good reputation for their trusted builds, high quality and classy designs. Among the mercenary world, their weapons and equipment is considered indicators of prestige and good taste.
PRIVATE MILITARY COMPANIES:
Deepwater is a notorious American PMC with a well-deserved dirty reputation. Their Sigma division deployed in Neone has been caught in the middle of scandals more than once.
FIREBIЯD - Russian PMC, looking after order in and around Neone. Having a small size they are all carefully selected by their leader and follow him into both fire and water.
Ryujin - Japanese PMC, which has a good social image and actively finances all kinds of entertainment.
Schwarzwald is a German PMC with a long-standing reputation and connections. It usually works for the benefit of Western European clients and has a long history of cooperation with the Keller family.
Keller's Claws is a passion project of Alex Keller, CEO of Keller-Tec. A small and elite female PMC, operating in the interests of their mistress or executing carefully selected contracts around the world.
This is not all PMCs in the city, but only those that are not directly linked to specific corporations that were listed above.
GANGS:
The Blazer is a broad and diverse group of radical anarchists. They are mostly drawn to the destruction of corporate property and speculation about “power of the people”, but some of their members are not averse to almost any type of work.
The Crooked Circle is another cult-like gang, or vice versa. They focus on collecting unique technology, but aren't particularly successful at it. But they're still alive and kicking, praying that their mechanical messiah will save them.
The Grey Court Syndicate is the largest criminal organization in the city, and one of the largest in Europe, maybe even in the entire world. Reminiscent of the classic Mafia. On one side they have the exterior gloss, protecting order and running legal businesses, but on the other side they have human and organ trafficking, prostitution and assassinations for hire. The Grey Court is one of the main sources of migrants in Neone.
The Himmelreich is a disorganized gang fighting for the “purity of humanity”. They oppose the very fact of existence of chimeras and cyborgs in this world. In fact are useful fools for the real Players in the city.
The Tulips are something between a gang and a religious sect. Spoken with Christian-like mottos, they attract beggars and cripples to their ranks, especially focusing on PMC veterans and former corporate workers, but in fact they accept all the desperate. They have squatted some ruins on the outskirts of the city, including the abandoned greenhouse that gave them their name. However... They are rapidly expanding their influence and their source of funding remains unknown.
OTHERS:
The City Council is the primary administration of the city. They manage, but they don't reign. They are a handful of exhausted clerks, doing the hard work that no one else accepted to do. Basically maintain the city's communications and keep the Players away from killing each other and too many ordinary citizens.
The Forge is a secret organization that exists for a very long time and runs deeply secured operations all over the world. They believe it's their duty to protect humanity from dangerous ideas, technologies, and obscure subjects such as [UNKNOWN]. Forge is often found to be a puppeteer, directing the actions of other Players or certain individuals.
The Fountain of Good is a globally respected charity organization primarily focused on orphanages. One of the few Players who maintains truly bright ideals. The children who grow up usually become corporate employees afterwards. Other Players fund them mainly to launder money, calm their karma and create a positive public image for themselves.
The Nuevians are a deep-covered organization slowly gaining influence in the city. They are led by an artificially created living entity known only as "The Queen" that seeks to bring prosperity to the planet. They have good intentions, but fear to repeat the fate of the Zero Cycle.
The Union of Nations Peacekeepers - maintaining a shred of peace in the aftermath of the Incident, a massive earthquake that recently struck Neone. Many urban areas have since descended into chaos and lawlessness, while others live as if nothing has happened or are experiencing minimal inconvenience. The competency of these soldiers is questionable and they are barely supplied.
The Volunteer Vanguards are an organization that maintains order in those Neone districts where the City Council or other Players do not. Generally a barely trained and armed militia, but there are some skilled veterans and former corporate workers in their ranks.
The Workers Ring is Neone's major blue collar association. They support city communications so they have a lot of influence. Individual members may or may not be involved in working for other Players and illegal activities. The second meaning of the "Ring" word is also utilized - many members of this community are known for their passion for arena fighting.
The Zero Cycle is a secret organization of intelligent machines once created by a rogue AI. Several Players united to destroy this threat, leading to the Incident. Now, shards of the Cycle's technology, superior to anything created by humanity, is the most valuable hunting treasure in Neone. Owning one of them means risking the lives of yourself and your loved ones, but that rarely stops hunters who desire wealth or driven by some personal reasons.
Well, that's the draft. Any ideas, suggestions, any other feedback?
submitted by Antibot_One to goodworldbuilding [link] [comments]
The main setting is the city of Neone, located somewhere on the coast of the Balkan Peninsula. I won't specify a particular place or pick a certain country for its location. Instead, I will take some features from some various ones to add local flavor. As one of the largest trading hubs in the world, this city is very wealthy, but it's the kind of wealth that easily slips through your fingers. Everything is buying and selling here, and human life is just as much a bargaining chip. Life in Neone is determined by the actions that the Players, the main political forces in the city, take with one another. Relations between them can swing from friendship to hostility... Or sometimes a combination of both at the same time. So, here's a preliminary list of the ones I've already come up with:
CORPORATIONS:
Astara Industries is the “beauty industry” in all its forms. Silk and gold, perfume and cosmetics. Modeling, music, entertainment, plastic surgery, and escort services. Rumored to be involved in much darker affairs, but that doesn't stop a lot of young guys and especially girls from trying their luck and signing another cabal contract with Astara. The higher the ranks of their employees, the more the corporation seems to be a kind of cult that worships the very idea of beauty itself. Recently, this company has been investing colossal amounts of money into an ambitious project designed to stop aging and mortality.
Change Inc. is a pretty mysterious organization that primarily provides construction and design services as well as financial operations and data protection services. On deeper layers lies espionage and information trading to anyone who can offer a more interesting price for it.
Chapek's Clockworks is the other major robotics company that has dominated the market for quite a while. Now they are more famous for their retro designs and sponsorship of the theatrical scene.
Chimera Chemicals is a biochemical giant that once started out as a fertilizer manufacturer. Now they deal in just about everything chemical related, including weapons, and also sponsor gene modifications.
Dragonfruit Digital is a world famous software and electronics developer that was leading the market before the rapid... well, rise of Risen Robotics.
Friture Science is a food concern dedicated to the mission of feeding the world. In addition to natural products, they develop synthetic ones as well as a number of associated products.
Fortuna Fishing - seafood production in Neone coastal waters and also beyond and deeper. Some of the things they found deep in the waters made them a little bit... Well, superstitious.
Greenfield Gardens - Similar in many ways to the previous one, this company focuses on environmental protection and recycling methods. Owns many farms and gardens in the city and beyond. Genetic modifications, too.
Hecate Guaranty is a law and insurance company. Deals with all possible disputes of their clients, property issues, and more. When required and paid decently, can provide a person or group of people a new life and a new home.
International Inc. is the most boring company in the world. Originally a construction contractor they pioneered the technology of rapid modular building. Because of this, International Inc. quickly built up capital and influence by rebuilding cities after wars. Eventually they expanded into selling associated products and services, then logistics, recruiting personnel... And now International Inc. provides half of the world's products. Each of their products is completely featureless, but they get the job done at an acceptable price.
Keller & Crow is one of Europe's largest arms manufacturers, dating back to World War I, or maybe even earlier. Known for their high quality and appropriate prices.
Keller-Tec is, in more than one sense, a daughter corporation of Keller & Crow. It develops the most cutting-edge custom weapon and gear systems. It works closely with Risen Robotics and actively funds the Fountain of Good.
Kiki Courier Company is a network of independent couriers working through the app. Moving around the roofs of Neone, they are able to deliver a small cargo personally in their hands for those who don't trust big companies.
Matsubayashi Motors is a Japanese vehicle manufacturer. Raised on defense contracts, they now make anything that can carry a human in it, from scooters and cars to aircraft and bolides.
MOLOT manufactures is another major arms manufacturer in Europe. In fact a franchise that sells to factories around the world the rights to produce copies of their world famous models. Their designs are a bit crude, but reliable and durable.
Poseidon's Possibilities - A marine transportation company that plays an important role in city and global shipping. Considering the high risk of piracy, possess pretty good assets to protect themselves, and sometimes execute third-party orders in coastal zones.
Risen Robotics is one of the world's important corporations. Creating innovative neural chip technology, Risen Robotics quickly earned financial and political capital and aiming for more. They were the first to commercialize a truly cheap and mass-produced android called the Peacebringer, and these robots can be seen in the military, security companies, and even as security guards in the market and malls and as bouncers in nightclubs. Building its influence, Risen Robotics aims to actively bring its tech into the lives of everyone in the world... And then their gaze will be directed higher into the skies and to the stars.
Royal Arms - Once a major weapons company, they are now more focused on the civilian market and support tools. Their high-precision tools and cybernetic limbs are widely used in civilian and military markets, as well as the medicine and even space industries.
Strigoi Sovereign is a company with a long history of working with private customers. They originally focused on hunting and harvesting of high-value resources, but gradually expanded. Nowadays, they are known for their customized combat enhancements, whether it be tough training and gear customization as well as biological, chemical, and cybernetic enhancements. Among all forms of payment, they prefer transactions in precious metals.
Van Nueve Innovations is another deep genetic research company. After their role in human trafficking and criminal experiments was revealed, their assets were mostly shut and sold down. Now their stuff keeps popping up on the black market - though, in this city, the difference between the regular and black market is barely noticeable.
Vulcan Weaponry is another firearm company with a long history, with a good reputation for their trusted builds, high quality and classy designs. Among the mercenary world, their weapons and equipment is considered indicators of prestige and good taste.
PRIVATE MILITARY COMPANIES:
Deepwater is a notorious American PMC with a well-deserved dirty reputation. Their Sigma division deployed in Neone has been caught in the middle of scandals more than once.
FIREBIЯD - Russian PMC, looking after order in and around Neone. Having a small size they are all carefully selected by their leader and follow him into both fire and water.
Ryujin - Japanese PMC, which has a good social image and actively finances all kinds of entertainment.
Schwarzwald is a German PMC with a long-standing reputation and connections. It usually works for the benefit of Western European clients and has a long history of cooperation with the Keller family.
Keller's Claws is a passion project of Alex Keller, CEO of Keller-Tec. A small and elite female PMC, operating in the interests of their mistress or executing carefully selected contracts around the world.
This is not all PMCs in the city, but only those that are not directly linked to specific corporations that were listed above.
GANGS:
The Blazer is a broad and diverse group of radical anarchists. They are mostly drawn to the destruction of corporate property and speculation about “power of the people”, but some of their members are not averse to almost any type of work.
The Crooked Circle is another cult-like gang, or vice versa. They focus on collecting unique technology, but aren't particularly successful at it. But they're still alive and kicking, praying that their mechanical messiah will save them.
The Grey Court Syndicate is the largest criminal organization in the city, and one of the largest in Europe, maybe even in the entire world. Reminiscent of the classic Mafia. On one side they have the exterior gloss, protecting order and running legal businesses, but on the other side they have human and organ trafficking, prostitution and assassinations for hire. The Grey Court is one of the main sources of migrants in Neone.
The Himmelreich is a disorganized gang fighting for the “purity of humanity”. They oppose the very fact of existence of chimeras and cyborgs in this world. In fact are useful fools for the real Players in the city.
The Tulips are something between a gang and a religious sect. Spoken with Christian-like mottos, they attract beggars and cripples to their ranks, especially focusing on PMC veterans and former corporate workers, but in fact they accept all the desperate. They have squatted some ruins on the outskirts of the city, including the abandoned greenhouse that gave them their name. However... They are rapidly expanding their influence and their source of funding remains unknown.
OTHERS:
The City Council is the primary administration of the city. They manage, but they don't reign. They are a handful of exhausted clerks, doing the hard work that no one else accepted to do. Basically maintain the city's communications and keep the Players away from killing each other and too many ordinary citizens.
The Forge is a secret organization that exists for a very long time and runs deeply secured operations all over the world. They believe it's their duty to protect humanity from dangerous ideas, technologies, and obscure subjects such as [UNKNOWN]. Forge is often found to be a puppeteer, directing the actions of other Players or certain individuals.
The Fountain of Good is a globally respected charity organization primarily focused on orphanages. One of the few Players who maintains truly bright ideals. The children who grow up usually become corporate employees afterwards. Other Players fund them mainly to launder money, calm their karma and create a positive public image for themselves.
The Nuevians are a deep-covered organization slowly gaining influence in the city. They are led by an artificially created living entity known only as "The Queen" that seeks to bring prosperity to the planet. They have good intentions, but fear to repeat the fate of the Zero Cycle.
The Union of Nations Peacekeepers - maintaining a shred of peace in the aftermath of the Incident, a massive earthquake that recently struck Neone. Many urban areas have since descended into chaos and lawlessness, while others live as if nothing has happened or are experiencing minimal inconvenience. The competency of these soldiers is questionable and they are barely supplied.
The Volunteer Vanguards are an organization that maintains order in those Neone districts where the City Council or other Players do not. Generally a barely trained and armed militia, but there are some skilled veterans and former corporate workers in their ranks.
The Workers Ring is Neone's major blue collar association. They support city communications so they have a lot of influence. Individual members may or may not be involved in working for other Players and illegal activities. The second meaning of the "Ring" word is also utilized - many members of this community are known for their passion for arena fighting.
The Zero Cycle is a secret organization of intelligent machines once created by a rogue AI. Several Players united to destroy this threat, leading to the Incident. Now, shards of the Cycle's technology, superior to anything created by humanity, is the most valuable hunting treasure in Neone. Owning one of them means risking the lives of yourself and your loved ones, but that rarely stops hunters who desire wealth or driven by some personal reasons.
Well, that's the draft. Any ideas, suggestions, any other feedback?
2024.05.19 10:34 brainy17 Understanding Commercial Liability Insurance and Its Importance
Understanding Commercial Liability Insurance and Its Importance - https://insuranceriskworld.com/understanding-commercial-liability-insurance-and-its-importance/
submitted by brainy17 to insuranceriskworldcom [link] [comments]
2024.05.19 10:28 JaimeDco Superinvestors Q1 2024 common positions and portfolio rotation Q4 2023 > Q1 2024
2024.05.19 09:16 Federal_Strategy2370 Insured value Vs Market value
My car was insured with Tokio marine with insured value of 90k. They gave me a renewal quote for insured value 85.5k this time through policy bazaar.
I was asking PB team if they could make it 76k (close to market value) or something which should proportionately decrease my insurance payment as well. They are talking like it’s a difficult thing. Isn’t there a thing like 5-10-15% depreciation every year.?
What’s good and bad in keeping insured value way above the market value?
submitted by Federal_Strategy2370 to DubaiPetrolHeads [link] [comments]
I was asking PB team if they could make it 76k (close to market value) or something which should proportionately decrease my insurance payment as well. They are talking like it’s a difficult thing. Isn’t there a thing like 5-10-15% depreciation every year.?
What’s good and bad in keeping insured value way above the market value?
2024.05.19 08:50 Ok_Jelly_3340 Knoxville Needs Change: Higher Wages and Affordable Housing Now
Vision for Knoxville: Innovation, Empowerment, and Economic Revolution
Thank you to everyone who has engaged in our lively discussion about Knoxville's future, especially around the pressing issues of raising the minimum wage and ensuring affordable housing. With over 170 comments and a wide range of viewpoints, our community's commitment to deep, thoughtful dialogue is evident.Empowering Change and Innovation: In Knoxville, we are at a crossroads where the need for change presents a unique opportunity for innovation. It's time to think beyond incremental adjustments and envision transformative changes that empower individuals to thrive. This isn’t just about meeting the basic needs but about fostering an ecosystem where economic and housing innovations set new benchmarks for quality of life.
Leadership and Collective Action: Real leadership looks beyond immediate challenges and focuses on laying the groundwork for future generations. Despite legislative constraints and resistance to change, history shows us that perseverance and collective action can usher in significant transformation. Each voice in our community is crucial as we work together to sculpt a future that reflects our highest aspirations.
Innovative Solutions for Housing and Wages: Our approach should mirror our advances in technology—aiming not just to meet standards but to redefine them. Why settle for the minimum when we can strive for conditions that enhance creativity, productivity, and well-being? We must reimagine our economic systems and structures to truly meet the demands of today's Knoxville.
Building Broad Coalitions: Successful transformations require broad coalitions, much like thriving businesses rely on strong partnerships. Our efforts should bridge divides across political, social, and economic lines, fostering collaborations between government, business sectors, and the broader community. This unified approach will help us implement sustainable and inclusive solutions.
From Discussion to Action: Turning our discussions into concrete actions is essential. This means more than advocating through petitions; it involves proactive community planning, supporting local enterprises, and devising policies that pave the way for new opportunities.
Continuing the Conversation: The enthusiasm and insights shared have been incredibly inspiring and affirm the need for ongoing dialogue. Let's maintain this momentum and keep sharing, debating, and proposing ideas. Knoxville's future is bright, and by embracing innovative approaches to our economic challenges, we can ensure that the city not only grows but thrives.
Your participation continues to be vital as we navigate these complex issues together. Let’s keep pushing the boundaries of what’s possible in Knoxville.
We, the People, Need to Advocate for Our Rights
We, the people, need to advocate passionately for our rights and work together to improve our living conditions. While legislative actions and policies may be influenced by a few, it is through our collective voice and participation that real change can be achieved. Let's take action to ensure a better future for all residents of Knoxville. Your voice and participation can make a significant difference.Additional Context Based on Feedback
In times of crisis, it takes courage not to remain idle. The debate around raising the minimum wage presents a range of perspectives that reflect broader concerns about its potential effects. Some argue that the presence of jobs paying above the federal minimum wage might negate the need for an increase.
Moreover, discussions reveal the complexities of enacting major policy changes in areas with conservative values, which I deeply respect and understand. There’s apprehension about the outcomes of economic policies like wage increases. Instead of resisting the carousel of progress that Knoxville is experiencing, perhaps we can find solutions specifically tailored to the unique circumstances of our community. As people continue to move here, rent and housing prices will inevitably rise. This post is an invitation to explore the possibility of enacting change and accepting the town's growth.
Non-Partisan Advocacy for Collective Action
It’s important to clarify that my advocacy is rooted in a non-partisan approach, aiming for collective action to foster positive change within our community. This post is not about endorsing any specific political ideology or economic model but about empowering individuals and leveraging our collective voice to advocate for fair wages and affordable housing.
Thank you for the responses and thoughts. I've pared down my original post, and I’d like to clarify a few points and provide additional context based on the feedback received.
Legislative Challenges
The legislative history and context of Tennessee Code Title 66, Chapter 35, which prohibits local governments from enacting rent control measures, reflect a long-standing commitment to maintaining a free-market approach to housing. This law was designed to ensure that rental prices are determined by market forces rather than local government interventions.
Specific Restrictions:
- Local governments cannot enact or enforce any ordinance that controls the amount of rent charged for residential or commercial properties.
- The law also prevents local governments from requiring private residential or commercial units to be sold or rented at below-market rates as a condition for zoning changes, building permits, or other land use approvals.
- Any voluntary programs designed to increase affordable housing must be incentive-based and cannot involve compulsory measures that affect market pricing.
Challenges with Affordability
- Rising Home Prices and Rental Costs: The increasing home prices and rental costs are making it difficult for residents to afford housing.
- Inflation and Mortgage Rates: Inflation and high mortgage rates also contribute to the affordability crisis.
- California: Limits annual rent increases, with exemptions for newer constructions and single-family homes.
- New York: Comprehensive rent control and stabilization laws with strong tenant protections.
- Oregon: Statewide rent control limits annual increases to 7% plus inflation and requires just cause for evictions after the first year.
- Incremental Approach: Implementing modest rent control measures, such as capping annual rent increases to a certain percentage above inflation.
- Exemptions: Including exemptions for new constructions and small landlords.
- Tenant Protections: Introducing protections against unjust evictions and ensuring lease renewal rights.
- Public Advocacy and Education: Building a coalition of tenant groups, local businesses, and community organizations.
- Legislative Proposals: Drafting clear proposals that outline the benefits of rent control.
- Increased tenant protections, tax incentives for affordable housing, and the establishment of community land trusts.
- Living Wage Figures: The MIT Living Wage Calculator suggests a higher figure, highlighting the need for comprehensive wage and housing reforms.
- Federal and State Action: Both federal and state-level changes are necessary to enforce fair wages and housing policies.
- Support for Local Businesses: Balancing wage increases with support for small businesses through tax incentives and economic development programs.
- Political Climate: Building a broad coalition that includes voices from across the political spectrum.
- Student Housing Impact: Working with the university and city planners to develop more student housing and alleviate market pressure.
- Economic Reality: Even with higher wages, housing affordability remains a challenge. Comprehensive policies addressing wages and housing supply are crucial.
- Affordable Housing Options: Ensuring diverse options, like mobile homes, are available to meet varying needs.
Key Facts:
- Minimum Wage: Tennessee's minimum wage has been static at $7.25 since 2009, despite 30 states having higher rates.
- Inflation Impact: Inflation has increased by approximately 36.6% since 2009, significantly affecting purchasing power.
- Housing: The median home price in Knoxville as of July 2023 was $350,000, with current rents for a 1-bedroom apartment averaging $1,300/month.
- Utilities: Average monthly cost around $150.
- Food: Higher-quality food and dining out could require around $400/month.
- Transportation: Around $300/month, whether for public transit or personal vehicle expenses.
- Healthcare: Quality insurance and regular check-ups can cost about $350/month.
- Other Essentials: Including clothing and personal care, about $300/month.
- Savings and Leisure: Suggesting $500/month for savings and $300/month for entertainment.
- Emergency Fund: A sensible $200/month contribution.
- Taxes and Other Expenses: Approximately $400/month.
Methodology for Thriving Wage Calculation: These calculations are based on a combination of local cost of living data, standards suggested by the MIT Living Wage Calculator, and adjusted for inflation and local economic conditions. This approach aims to initiate a broader conversation about living standards and economic policy in our community, focusing on what is necessary for everyone in Knoxville to lead a fulfilling and secure life.
Housing Market Trends:
- Rapid Rent Increases: Knoxville's rents increased by 9.6% in 2022, well above the national average of 2.3%.
- Home Prices: As of November 2023, the median sales price was $346,000, with a rising trend expected to continue.
- Market Pressures: High occupancy rates around 96.3% and a home inventory roughly half of pre-pandemic levels underline a tight housing market.
How Petitions Work In general, for a petition to be effective and get an issue on the ballot or to influence local government action, more signatures are usually needed to demonstrate widespread community support. Here’s a brief overview of the process:
- Single Signature Submission: In some cases, a single well-documented request or petition signed by one person can be submitted to local officials to initiate a discussion. However, this method is less likely to compel action without demonstrating broader community support.
- Gathering Multiple Signatures: To increase the chances of the petition being taken seriously, gathering multiple signatures shows that the issue has significant support within the community. This can influence local officials to take action.
- Specific Requirements: The exact number of signatures required can vary based on local laws and regulations. For example, getting an initiative on the ballot often requires a specific percentage of registered voters' signatures.
- Submitting a Petition to the City Council: One person can submit a petition to the city council to raise an issue. However, gathering more signatures from residents increases the impact.
- Ballot Initiatives: For ballot initiatives, there are usually legal requirements regarding the number of signatures needed. This varies by jurisdiction.
Change is possible: This petition for affordable housing and tenant protections are indeed possible within Tennessee law, but some are restricted by existing state statutes. Here’s how each of the proposed initiatives stands legally:
- Tax Incentives for Affordable Rent: This initiative is feasible. Tennessee law does not prohibit local governments from offering tax incentives to landlords to keep rents affordable. Such incentives can be a part of voluntary programs to encourage affordable rental prices without mandating rent control.
- Just Cause Eviction Protections: Implementing just cause eviction protections can be more complex. While Tennessee does not have specific statewide prohibitions against just cause eviction laws, local proposals must align with state property and tenant laws. Any local law would need careful crafting to ensure it doesn't conflict with state regulations that generally favor landlord rights.
- Encourage Long-Term Leases: This measure is also feasible and does not conflict with Tennessee law. Local governments can promote the use of long-term leases and fixed rent increases as part of voluntary agreements between landlords and tenants.
- Public-Private Partnerships: This is entirely possible and often encouraged. Public-private partnerships for developing affordable housing projects can be facilitated by local governments through grants, tax incentives, or other means, provided they comply with state and federal laws.
- Community Land Trusts: Establishing community land trusts is also viable under Tennessee law. These trusts can manage and develop affordable housing while maintaining long-term affordability for the community.
Petition for Affordable Housing and Tenant Protections To the Knoxville City Council: We, the undersigned, request that the Knoxville City Council take immediate action to address the rising cost of rent and protect tenants by implementing measures within the legal framework of Tennessee law. Specifically, we propose the following initiatives:
- Tax Incentives for Affordable Rent: Offer tax breaks or incentives to landlords who commit to keeping rents affordable. This encourages voluntary participation in maintaining reasonable rent prices.
- Just Cause Eviction Protections: Establish "just cause" eviction protections to prevent arbitrary evictions and provide stability for tenants.
- Encourage Long-Term Leases: Promote the use of long-term leases with fixed rent increases to provide stability for both tenants and landlords.
- Public-Private Partnerships: Foster collaborations between the city and private developers to create affordable housing projects. By working together, the public and private sectors can pool resources, expertise, and funding to develop housing that meets the community's needs.
- Community Land Trusts: Establish community land trusts to manage and develop affordable housing. These trusts can help maintain long-term affordability and provide a stable housing option for residents.
Signature: _______________ Print Name: _______________ Address: _______________ Email: _______________
Petition for Comprehensive Affordable Housing Initiatives
To the Knoxville City Council:
We, the undersigned, request that the Knoxville City Council take comprehensive action to promote affordable housing through a combination of tax incentives, public-private partnerships, inclusionary zoning, expanded affordable housing programs, and the establishment of land banks.
- Tax Incentives: Offer local tax credits or abatements to developers who build affordable housing or to homeowners for property improvements. These incentives will encourage the development and maintenance of affordable housing units, ensuring more options are available for low- and moderate-income families.
- Public-Private Partnerships: Foster collaborations between the city and private developers to create affordable housing projects. By working together, the public and private sectors can pool resources, expertise, and funding to develop housing that meets the community's needs.
- Inclusionary Zoning: Require a portion of new developments in Knoxville to include affordable housing units. Inclusionary zoning ensures that affordable housing is integrated into new developments, promoting economic diversity and increasing the availability of affordable homes.
- Affordable Housing Programs: Support and expand local affordable housing programs to provide quality, affordable housing options for low- and moderate-income residents. Currently, many residents are struggling to find affordable housing, which impacts their quality of life and financial stability. By expanding these programs, we can ensure that more residents have access to safe, decent, and affordable housing.
- Land Banks: Establish land banks at the city level to acquire, manage, and repurpose vacant and foreclosed properties for affordable housing development. Land banks can transform unused or abandoned properties into valuable assets for the community, providing opportunities for affordable housing development and revitalizing neighborhoods.
By signing this petition, we express our support for these initiatives and urge the Knoxville City Council to take immediate action to promote affordable housing through these measures.
Signature: _______________
Print Name: _______________
Address: _______________
Email: _______________
Petition for Down Payment Assistance Programs
To the Knoxville City Council:
We, the undersigned, urge the Knoxville City Council to advocate for and establish city or county programs that provide down payment assistance for first-time homebuyers. Many residents find it challenging to save enough for a down payment, which is a significant barrier to achieving homeownership. By providing down payment assistance, we can help more residents transition from renting to owning their homes, promoting long-term financial stability and investment in our community.
By signing this petition, we express our support for the creation and implementation of down payment assistance programs to help first-time homebuyers in Knoxville.
Signature: _______________
Print Name: _______________
Address: _______________
Email: _______________
Steps if You Want to Take Action
Step 1: Organize a Petition Drive
- Form a Nonpartisan Group: Create or join a group focused on specific local initiatives, such as affordable housing, without political affiliations. Use platforms like Zoom for virtual meetings, schedule regular meetings, and use social media and local forums to recruit members.
- Research Requirements: For local initiatives in Knoxville, a charter amendment can be proposed if at least one registered voter files the petition with the county election commission for pre-approval (TCA 2-5-151). Tennessee Secretary of State: (615) 741-2819
- Create the Petition: Draft a clear and concise petition for the proposed initiative.
- Host Community Events: Organize events like town hall meetings, local fairs, or farmers' markets to gather signatures.
- Utilize Local Networks: Leverage small-town connections where everyone knows each other to spread the word and gather support.
- Set Up Booths: Place booths in high-traffic areas like grocery stores, libraries, and community centers to collect signatures.
- Door-to-Door Campaigning: Go door-to-door in your neighborhood to ask for signatures.
- Social Media Campaign: Use platforms like Facebook, Twitter, and Instagram to inform the community and encourage them to sign the petition.
- Local Media: Reach out to local newspapers, radio stations, and TV channels to cover your campaign.
- Flyers and Posters: Distribute flyers and put up posters in local businesses and public spaces.
- Verify Signatures: Ensure all collected signatures meet the requirements.
- Submit to Authorities: Submit the petition to the appropriate local authority for validation.
By focusing on local initiatives, we can effectively advocate for changes that directly impact our community, such as affordable housing programs and down payment assistance, ensuring a better quality of life for all.
2024.05.19 08:45 Arktikos02 So if a plane runs into another plane who's at fault and how does the insurance work?
Okay so let's say that in the situation it is an American commercial plane who comes into contact with let's say it's a plane from Europe, like Germany. So American plane hits German plane but it's not enough to like cause an explosion, it's more like the wings get clipped which I'm not saying doesn't cause problems but like it wasn't like total destruction.
Okay so this is like the plane equivalent to a fender bender I guess. So how does this work? Do planes need to have insurance?
Are there cameras all over the plane inside and out?
submitted by Arktikos02 to NoStupidQuestions [link] [comments]
Okay so this is like the plane equivalent to a fender bender I guess. So how does this work? Do planes need to have insurance?
Are there cameras all over the plane inside and out?
2024.05.19 08:10 nomorelandfills California rescuers clamoring for adoption of AB 2265, Animal Shelter Transparency Act cheerfully agree to remove the bit about mandatory spay/neuter before a dog or cat is released to foster. Also, the law is another gateway for release of dangerous dogs.
 | https://preview.redd.it/8wd5vanfrb1d1.png?width=536&format=png&auto=webp&s=4348ee55b7aa2fd3a7d70737d11ffd1979b19f61 submitted by nomorelandfills to PetRescueExposed [link] [comments] To be honest, I didn't read the dangerous dog part as thoroughly as I should. I think I may be somewhat burnt out on the recklessness and coldness shown by rescuers to others in their willingness to prioritize dangerous or marginal ownerless dogs over beloved pets and over people. The spay/neuter part, that just galls me. It should gall anyone. This crisis, this hellscape of pit bull overpopulation that exists clearly calls for sterilization of any shelter dog in California. Shrugging off that as a lesser priority than rehoming existing dogs blows the whole deal. Any animal rescue plan that removes, downgrades or fails to prioritize spay/neuter for pit bulls is worthless. It's just a smokescreen, a way to play with puppies and posture as saviors without doing anything to improve the situation. Status quo, nothing to see here, #adoptdontshop. https://preview.redd.it/if3jg07kpb1d1.png?width=873&format=png&auto=webp&s=bde9e6f11f3311da914d8c76a66d3907e0118374 SUMMARY: Under existing law, it is the policy of the state that no adoptable animal should be euthanized if it can be adopted into a suitable home, as provided. This bill declares it the policy of the state that no animal be euthanized by a public animal control agency, shelter, or a private entity that contracts with a public animal control agency or shelter for animal care and control services (collectively, “eligible agency”). This bill requires an eligible agency to post, 24 to 72 hours before a scheduled euthanasia of a dog or cat, a daily list of any cat or dog scheduled for euthanasia on its public website or social media page and to post a physical notice on the kennel of a dog or cat scheduled to be euthanized. This bill requires a public animal control agency or shelter that seeks to adopt a policy, practice, or protocol that may conflict with Hayden’s Law to give notice regarding the policy, practice, or protocol, as specified, and requires the city or county to schedule a public hearing regarding the policy, practice, or protocol. https://preview.redd.it/r6ett982nb1d1.png?width=701&format=png&auto=webp&s=5a4b03df0544234fd1c1a32dc1ad2396314d7a75 And the sheer chutzpah of this https://preview.redd.it/6jzq88epob1d1.png?width=588&format=png&auto=webp&s=01830f3ea95e94084d4bd927d96ba33fc7732b24 Rescuers - we will advocate for violent dogs and fund their owners' fights to keep them from being designated dangerous and harass communities into being extremely afraid of even starting a dangerous dog investigation. Also rescuers - our new legislation to require more marketing of unadoptable dogs won't include dangerous dogs! Silly! There's no risk to the public! Although I will say I had no idea that rescuers knew of the existence of the word 'transparency' so good for them. Perhaps this knowledge could be turned inward sometimes? The CityWatch article ANIMAL WATCH - An increasing number of reported vicious and fatal dog attacks across California, as reported by the L.A. Times—and worldwide—are ignored by AB 2265 (2024) authored by Assembly Member Kevin McCarthy and introduced in the CA Assembly—and, instead, it prohibits euthanasia of any dangerous animals, including dogs impounded in shelters for violent behavior. AB 2265, (which has so far been amended twice, the latest change being when it was introduced in the Assembly on 3/18/2024) wants California legislators to assure that NO dog (or other aggressive animal) in a shelter can be euthanized, other than if it is irremediably suffering, regardless of its violent or even deadly behavioral history. However, it is the goal and purpose of shelters to place as many animals as possible directly into homes with families. This bill went far beyond the purpose of the 1998 Hayden bill which had the intent to restrict euthanasia of healthy and adoptable animals. No one with knowledge of the devastating outcome of attacks by currently popular Pit Bulls, XL and XXL Bullys, now banned in the UK, Wales, Scotland and India, along with other aggressive breeds, nor anyone who has been the victim of any vicious dog attack, could plausibly agree that this risk should be encouraged or can be afforded by the State of California or any governmental jurisdiction. So far, it appears other legislators are skeptical of this bill. The only positive change with which some CA animal control agencies and legislators have expressed mutual agreement is the increase in spay/neuter deposits for dogs and cats being raised to $200 to match the much higher rates for surgical sterilization in today’s economy. A CLOSER LOOK AT AB 2265 In the past few weeks we have seen countries such as England, Wales, Scotland and India joining those which ban Pit Bull, XL and XXL Bullys and other dangerous dogs in order to stop the trafficking of dangerous breeds, provide safety for communities and stop the horrific attacks and deaths of innocent children and adults whose lives are ended by other people’s “protection dogs” or “rescued” pets with a known history of violent behavior. AB 2265 – A RISK CALIFORNIA CANNOT TAKE There is value in telling the truth about dog behavior and the greatest is in public and personal safety. What weird whim—other than personal aggrandizement or a strong campaign supporter—would cause Senator McCarthy to encourage ignoring violent past history and risk human and animal lives on a gamble that a dog with a known history of unprovoked aggression will suddenly act differently? If we want canines to continue to be known as man’s (or woman’s) best friends, we need—just as we do with humans—to assure they have earned that trust by not misusing their innate strength and survival skills to harm those who trust and love them. CHANGING THE STATE’S EUTHANASIA GOAL This bill, AB 2265, introduced on February 8, 2024, drastically changes the State’s animal shelter euthanasia goal—from ending euthanasia of adoptable animals to ending euthanasia of any animal. That includes vicious dogs, wild and/or dangerous animals, prohibited animals and regulated animals. This would create chaotic danger for adopters and pet owners and innocent residents/neighbors throughout California, while ALSO negatively and disastrously affecting the insurance and veterinary industries, according to experts. The only exceptions in the bill that allow a dangerous animal to be euthanized are very narrow categories for medical and behavior issues: 1) those that are irremediably suffering, which is defined as those for which “severe, unremitting physical pain” cannot be relieved by any medical means without regard to cost or local availability of that level of care; and 2) Those that have been declared “vicious” under the State’s regulatory scheme, which few agencies use, and which assumes that a hearing was held after an owner contested that declaration. According to Fast Track Democracy, “Existing law prohibits animals that are irremediably suffering from a serious illness or severe injury from being held for owner redemption or adoption. This bill would instead declare it the policy of the state that no animal be euthanized by a public animal control agency or shelter or a private entity that contracts with a public animal control agency or shelter for animal care and control services, except as provided.” “Existing law prohibits a stray dog or cat impounded by a public or private shelter from being euthanized before 6 business days after the stray dog or cat is impounded, not including the day of impoundment, and requires that the stray dog or cat, except those irremediably suffering, be released to a nonprofit animal rescue or adoption organization before the scheduled euthanasia of the stray dog or cat if requested by the organization, as specified.” The analysis summarizes the Bill (see Fast Track Democracy). Existing law prohibits a stray dog or cat impounded by a public or private shelter from being euthanized before 6 business days after the stray dog or cat is impounded, not including the day of impoundment, and requires that the stray dog or cat, except those irremediably suffering, be released to a nonprofit animal rescue or adoption organization before the scheduled euthanasia of the stray dog or cat if requested by the organization, as specified. WARNINGS ABOUT THIS ‘NO KILL’ PLAN FOR DANGEROUS DOGS A California animal-control specialist offered the following thoughts based on his personal and professional experience. (The following is not to be taken as legal advice, but merely as guidance in further considering some issues that appear to not have been considered in pursuing these severe changes to animal sheltering under existing California laws and practices.) “This Bill would absolutely eviscerate Food and Agricultural Code Section 31683, which allows counties and cities to have their own regulatory process for dangerous dogs, and it would force everyone to use the very-flawed State process.” AND he summarized that:
FUNDRAISING – THE POWER OF THE ALMIGHTY DOLLAR There is no better way to reach the wallets of animal lovers than through their heart strings, and sadly millions of dollars are going into pockets of executives in organizations that do not directly care for or protect animals and, of course, nothing speaks louder than donations at the lobbying and legislative level. But, the needs of homeless animals should not be creating slush funds for campaigns nor playing on the emotions of those who are continually confronted by TV commercials and mailers, saying that just a few more dollars will save them all. There are also human lives and safety to be considered and this is a primary responsibility of animal shelters and humane societies. It is important that they are asked what will help them do this thankless and seemingly hopeless job. Pets are too often obtained as a short-term experience with little commitment and then abandoned within or outside these facilities that do not benefit from the money that is raised by large organizations or politicians ostensibly to help them. Instead, these promises set unreachable goals and promote “feel-good” programs that overburden their staffing and emotions, without asking what they need to do this very difficult job from a realistic perspective. THE BEST INDICATOR OF AN ANIMAL’S FUTURE BEHAVIOR IS ITS PAST Not all animals are adoptable, nor should they be placed in homes where they are likely to harm, or be harmed because certain behavior is endemic to the breed. The AKC thrives on the fact that bloodlines of dogs determine or influence their predictable behavior. Why is it this is so clear that it causes millions of people to buy purebreds for certain reasons; yet, animal shelters are expected to take in dogs with documented histories of anti-social behavior and attacks and rehome them with promises they will be “good family members” just to keep them alive? LISTEN BEFORE VOTING, SACRAMENTO Legislators need to listen to experts in animal control—not self-appointed voices for animals—many of whom have never worked in a shelter, before even considering new legislation. They also need to ask their own community, “Do you feel safe from dog attacks? And/or “have you been a victim of an attack or live in fear of neighborhood animals?” They may be surprised at the number of injuries that have been suffered but didn’t make the press and how many victims may have permanent, life-limiting, disabilities for which they were never compensated. Assembly Member McCarthy needs to walk through animal shelters in his district and ask those who work there or have been long-term volunteers, and those who take the responsibility for determining policies and the endless, sad challenges of management, “what will help you help them?” DON’T WAIT FOR AN IRREVERSIBLE TRAGEDY California has been very liberal (or very foolish) in allowing dogs known to have a history of aggression to be removed from shelters for adoption, but lawsuits and tragic, injuries or deaths of innocent victims have imposed limitations as to what can be tolerated philosophically and financially. The safety of the dog itself must also be a consideration. People understandably react violently to dog attacks, using any weapon to inflict sufficient injury to stop the dog and save their own or another’s life. Euthanasia can be the most humane option when it is indicated or determined that the animal poses a consistent threat to humans or animals in general, or poses a recurrent uncontrollable risk to the public’s and its own safety. (Author’s note: If anyone would like to see more of the informal critique of the proposed CA law AB 2265, quoted in part in this article, you can contact me through the editor of CityWatchLA: ([jim@citywatchla.com](mailto:jim@citywatchla.com).) (Phyllis M. Daugherty is a former Los Angeles City employee, an animal activist and a contributor to CityWatch. |