Plumbing emergencies can occur when we least expect them. After all, that’s what the emergency is all about. Knowing what to do when there’s an emergency in your house is key to smiling again. 

The best course of action is to find solutions to the problem. You need to find an emergency plumber in your city. A plumber you can rely on to quickly attend to your call with urgency.

According to the Design Criteria for Sewers and Watermelons that was released by the City of Toronto, “plumbing emergencies happen all the time. Whether it’s on the kitchen, bathroom, or pipes, attending to it with urgency can prevent further costly damage.”

An emergency plumber should be able to fix problematic sinks, drains, pipes, and toilets — and restore your home as it was before the emergency. There are thousands of plumbers in your city right now, the real challenge is knowing which professional to trust to have a successful outcome.

It’s not enough to choose a plumber next to your house, make sure you analyze their plumbing services. Make sure the plumber you eventually hire actually offers emergency plumbing repair services. A general plumbing company may not get the job done.

You don’t want to risk calling a plumber who will not treat your case with any urgency. Find an emergency plumber in Toronto, CA that offers the exact services you need. This is a great way to narrow down the list of local plumbers that may be vying to do the job.

That being said, here are 8 effective ways (and questions) you should ask an emergency plumber:

Verify Insurance Coverage

According to Adrian Mak, “Plumbers insurance can provide financial protection for your business if someone is injured by your business or if your business damages property.”

You want to make sure you’re hiring an emergency plumbing company that has insurance coverage. 

Most plumbing companies will carry two kinds of insurance:

Workers’ compensation insurance
Liability insurance

So you should ask about these two types of insurance coverage before moving forward. If you’re wondering what the difference is, here it is in a nutshell:

Workers’ compensation is a type of insurance coverage that attends to works who are injured while executing their duties at work. There should be adequate payout provisions for them.

Liability insurance coverage, on the other hand, covers the plumbing professional for damages that his team caused on your home or belongings while performing their duties. If an insurance company causes any form of damage to your home, you can capitalize on the liability policy to get the necessary backup and repairs.

 

It may not seem necessary to check for insurance coverage with a plumbing company you’re hiring to do emergency repair services, but you should do it to save both the plumber, the workers, and your home. 

 

Emergency plumbing repairs require urgent action, which could lead to unintended consequences if the plumber isn’t experienced or lacks the right tools for the repairs.

Cost may be the only factor you might want to reconsider when asking about insurance coverage from your plumbing company.

This is because it’ll be more expensive when you hire a plumber with insurance coverage than plumbers that don’t have it. But the added cost will be well worth it there’s a damage on your home/property or the workers get injured.

Ask Around For Recommendations

If you don’t have a reliable plumbing company to call, you should ask around for recommendations from family members, neighbors, co-workers, and friends. 

If you know or have heard good things about a local plumber who provides reliable results, you can consult them as well. 

Recommendations from those you know are invaluable because they’re often unbiased and objective. 

So you’ll be given all the pertinent information from the person recommending the professional to you. When this happens, you’ll be able to know firsthand what you can expect in terms of pricing, overall efficiency, and above all, customer service.

How is the Pricing Determined?

Another factor that will guarantee that you hire the best emergency plumber in your city is the pricing model. Is it hourly or fixed? Since the average cost to hire a plumber is between $125 – $350, it’s best to know how this works out hourly or otherwise.

Sometimes, a friend or co-worker can refer a reputable emergency plumber to you. This might be the best way to get access to plumbers who can get the job done the first time.

A plumber may offer both hourly and fixed pricing structures but it all depends on what the client wants. The best way to save some money, though, is to stick with fixed pricing. Because if a plumbing company estimated that the project could take 2 hours to fix, what’s the guarantee they’ll deliver an excellent result?

You want to avoid surprise bills when the repair job is completed. If the plumbing company you hire insists on an hourly pricing structure, ask him/her, in their experience fixing emergency damages, how long your project should take. 

An experienced plumber should be able to give a good estimate of the time after a proper inspection of the damage. If the repair is obvious, (i.e., the pipes are accessible) you might want to stick to hourly pricing structure — otherwise, insist on a fixed rate.

Licensing

Before you hire an emergency plumbing company, you need to ask the plumber if they have the necessary licenses to practice. Although it depends on your state or city because not all states require licenses to operate. 

If the plumber doesn’t carry a license, ask why. Often, a plumbing company that has a license is certified and you can be sure they have passed a state examination. 

However, a license will not get the repair excellently executed. That’s why you must never be fooled by it. What a business license simply means is that the plumber is eligible to practice in your state or city. 

Above all, make sure the license isn’t just for any type of business but for professional plumbing practice. 

Know the Estimated Total Cost of Fixing Your Plumbing Problem

When you have found a reliable emergency plumber, it’s time to know firsthand what the total cost will be. 

We talked about knowing the pricing structure earlier, so if it’s hourly, how many hours will it take to repair the damage. And how much do they charge per hour?

As a homeowner, don’t completely rely on quotes you receive over the phone or via email. A trusted and reputable plumbing company will likely not give you a quote until they have properly inspected the problem. 

They want to know if it’s piping-related or a clogged sink. It’s always better to hire an experienced plumber because they’ll often include the cost of new parts needed for the repair. 

Don’t just assume they’ll get the job done based on the quote they sent you, you must confirm with the plumber if the price estimate includes both parts and labor cost.

 

Warranties and/or Guarantees For the Repairs 

How long will the repair work last? An experienced plumber should be able to make guarantees with a few exceptions. After the repair is completed, a plumber that stands behind what they have done will not be afraid to offer warranties and/or guarantees for their work.

If they’re scared to do that, then it’s obvious they don’t even trust their expertise in emergency repairs. Both for labor and material (parts used in the repairs), there should be a warranty. 

A homeowner needs to have that peace of mind after spending money on emergency plumbing repairs. A warranty or guarantee of up to 12 months is expected. However, it all boils down to the level of damage, and whether or not a part of the plumbing system was replaced or repaired.

If the plumber or company you speak to doesn’t offer any warranties and/or guarantees for their work, it’s a sign you should pass on that plumber or company. 

You should only work with those plumbers that give a cast-iron guarantee and/or warranties for their work. 

Are There Any References?

What do clients say about the plumbing company you want to hire. If you found them online, you need to read up a few reviews to know whether their past clients were happy or regretful.

A reputable emergency plumbing company that has been in the trenches for years will have garnered lots of references, comments, testimonials, success stories, and ratings from homeowners and clients.

So, it’s important to hear what other people think about the professional you intend to hire. Past clients are in a better position to describe the quality of their customer service, how efficient they are, and how they respond in case something happens after the repair is done.

Reputable plumbers like to talk about their clients even before you ask them. Because they know that new clients will be thrilled to experience the same treatment as happy clients. If you want to do a little digging, then you can look up their name or company name online to find customer reviews and ratings.

When a professional plumber isn’t excited about giving you a list of references to contact (if you want to), you should see this as a red flag. You might want to look elsewhere for an emergency plumber.

Conclusion

With a plethora of plumbing companies in Toronto, it’s becoming more difficult to find a reliable and efficient plumber to handle your emergency repair services. 

Every aspect of a plumbing system is delicate and must be handled by a professional — otherwise, it could lead to the collapse of your entire plumbing system.

It’ll cost you a lot more money to fix the damage before getting to the main emergency work. That’s why you should carefully choose wisely. You can call us if you need an emergency plumbing services.

The post How to Hire the Right Emergency Plumbing Company (And Save Money) first appeared on Anta Plumbing Blog.

Original Source: blog.antaplumbing.com

There were lots of fantastic questions on the last post so it made the most sense to lay it all out in the same place especially since there may be lots of folks who are considering long term trips right now.

Q – Have you considered renting out your home while you are gone?

A – Yes. There are some big problems with this idea though. First, there are 6 of us in 1,200 sq. ft. and we homeschool. The prospective money we could make off AirBnBing our home didn’t offset the cost/burden of moving out the school room set-up and our personal belongings. That, and in the time of COVID, the liability/risk factor is high. If someone got COVID, could they say it was because we didn’t adequately clean the home between renters? Lots of hassle. Very little reward.

Q – Does your health insurance cover you out of state? Will you get stuck with a huge hospital bill?

A – We have the worst, best insurance out there. We have an HSA which means we pay 100% of all medical expenses out of pocket until we hit our deductible (that’s the bad part). Once we hit our out-of-pocket maximum, our insurance pays 100% of medical and prescription drug costs for the rest of the year (that’s the good part). The out-of-pocket maximum is less than our emergency fund. This would be the same whether we were in-state or out of state but it’s something everyone should look into when traveling, particularly during a pandemic.

Q – Should you use the trip money to pay down your mortgage instead?

A – This is a hard call. We saved up money for a fall trip and my husband got some unexpected side jobs so we aren’t going into our emergency fund or stealing from another budget bucket BUT, I recognize this experience won’t be what it would have been had we not been knee deep in a pandemic. There will be no stops at amusement parks or zoos. There won’t be family dinners at fun restaurants. That makes me sad. But at the same time, I also recognize that I’m in a situation that is unlikely to happen again (please Lord, I HOPE IT WON’T!). I have a huge chunk of time to watch my kids fish in lakes and rivers and explore backcountry. I’ll pay my mortgage for two months longer to take advantage of this opportunity.

Q – Would you like to get into a debate about traveling during a pandemic?

A – As fun as that sounds… No. ; ) I understand that we all have strong opinions and I respect them but I’m not open for a debate. I’ll explain the finances related to traveling during a pandemic but not about the pandemic itself.

A couple more things I think are important when trip planning…

Double Check Your Insurance Coverage

Yes, look at your healthcare but also look at your home insurance and your car insurance. Are the limits right? Do you feel comfortable with your deductibles? Do you have enough insurance? Do you have roadside assistance?

Make Sure Your Affairs Are in Order

Yup. I’m getting morbid on you. Chris and I have very detailed wills. They outline what to do in lots of situations. What happens if we both die? Who gets the kids? Who is the executor? What are our health directives? It’s all there. Before we leave on big trips, we double check to make sure everything is still the way we want it and we call my mom to remind her where the information is. We don’t do it because we are morbid, we do it because the last thing I want my loved ones worrying about when dealing with loss is trying to figure out what to do with my kids or my house or my car. You should have this in place NOW but you should regularly revisit to make sure it’s accurate. Travel is a good reminder to double check.

The post Long Distance/Long Term Travel and Finances appeared first on Blogging Away Debt.

Original Source: bloggingawaydebt.com

A reader writes:

I am asking for advice about how to handle my impending divorce at work. I work at a large nonprofit in a specialist capacity that is a recognized priority for the company, but organizationally belongs to one of five departments. I’ve worked here for 10 years. I was headhunted by the executive director, and have worked myself up to the specialist position I have now.

My husband of 28 years has been employed at the nonprofit for 20 years, and during the last five he has been the head of the department I am in — my boss.

The organization has many married couples on all levels. (The former executive director was married to the head of the largest and most important department.) My husband has previously given me worse conditions than others to avoid being accused of favoring me, to the point that the director had to step in.

It has not been easy, but I have done my utmost to behave professionally and keep my private life as separate from my work as humanly possible.

Now my husband/head of department has asked for a divorce suddenly and unexpectedly, as he is having an affair with a colleague. The divorce is a great shock, made worse by the fact that our daughter is critically ill and faces a long, hard recovery.

My soon-to-be ex-husband has the power to cut my funding, lay me off, give negative feedback to the director about me, badmouth me, and make my life even harder than it is.

I normally have a good rapport with the director, but should I tell him about the divorce and illness or not? I wish to remain professional and private, but without telling him about the divorce I have no way of protecting myself from the persecution that I fear from my ex-husband. On the other hand, the director might lay me off himself to avoid problems with my ex-husband. My priority is to keep my job, since finding a new one is next to impossible and I need the insurance for my daughter.

Oh no. I’m so sorry you’re going through this.

And whoa, this organization is a mess. Married people should never be allowed to manage each other, and it’s apparently common there. As you’ve seen, it’s a recipe for all kinds of problems — favoritism, the perception of favoritism, lack of objectivity, and plenty more. It generally means that the employee’s performance isn’t assessed appropriately and they’re not given adequate feedback, and it can even open up your company to charges of harassment down the road (“I wanted to end things with him, but he implied it would affect my standing at work”). Most employers rightly don’t permit this.

But that doesn’t help you now, of course. He does manage you, and your organization has apparently been fine with that (even after having to intervene over his treatment of you!).

You do need to tell the executive director about the divorce. It’s very unlikely not to affect things at work, and he’ll need to be aware of that context. You also need to tell him because you need to ask to report to a different manager. I don’t know how feasible that will be logistically, but it’s utterly untenable to work for someone who’s in the process of divorcing you (and having an affair with a colleague, no less).

I get that you’re concerned about being pushed out, but even if you don’t disclose the situation, your husband probably will! It’s unlikely that he plans to pretend you’re still together, especially once the divorce is final, and especially if he wants to go public with the new relationship at some point.

Please consider consulting a lawyer for help here, aside from the legal help with the divorce itself. Firing you at the end of your relationship with your boss would put the company on shaky legal ground, and ideally you or your lawyer should stand ready to explain to the company the legal considerations in play. (Also, please talk to your divorce lawyer about getting an agreement to keep your daughter on your husband’s insurance, which should help you feel less tied to this job.)

Last, I strongly urge you to reconsider your commitment to staying in this job, especially if they won’t move you (but even if they will). You might not be able to leave immediately, but please actively work toward it. This is not a workable situation for any of you.

You may also like:can we tell dating employees that one of them has to leave the organization?my husband’s boss/our friend is sleeping with their married department headmy coworker had an affair with a colleague’s husband, and now is treating her badly at work

my husband is my boss — and we’re getting divorced was originally published by Alison Green on Ask a Manager.

Original Source: askamanager.org

You have just formed your very first Delaware corporation. Congratulations! Although as a busy founder you may not have time to take care of ongoing corporate maintenance, there are some minimum corporate formalities that you should strive to maintain.  Below is my list and the reasons why.One of the main benefits that is afforded by corporate structure is the limited liability protection for its owners. This means that the corporation and its stockholders are treated as separate legal entities. The corporation enters into its own contracts, and therefore, it is only the corporation’s assets, and not the assets of its individual stockholders, that are available to pay for judgments and claims of creditors. There are, however, circumstances when a creditor of a corporation can “pierce the corporate veil” to hold the corporation’s stockholders liable for the corporation’s debts and other obligations. When deciding whether to pierce the corporate veil and hold stockholders personally liable, courts consider, among other factors, whether: the corporate formalities have been disregarded;the corporation is a mere façade of its owners; the corporation is inadequately capitalized; the owners use the corporation’s assets and property as their own; the corporation makes undocumented “loans” to the owners or extends credit not on market terms; or the owners simply take money out of the corporation; The following best practices with respect to corporate governance and external appearance of the corporation may strengthen the argument that the corporation exists as a separate legal entity: Stockholder and Board of Directors Meetings. The corporation should hold both annual stockholder and Board meetings (or at least prepare unanimous written consents). In addition, the Board should consider and approve all significant actions of the corporation (such as taking out loans, hiring executive officers, selling securities, entering into any other transaction that is out of the ordinary for such corporation). A majority of disinterested directors or the stockholders should approve all transactions between directors, officers, and the corporation. Delaware Annual Report and Franchise Tax. In order to maintain good standing in Delaware, the corporation has to file an online annual report with the Delaware Division of Corporations and pay the Delaware franchise tax no later than March 1st of each year. Delaware Registered Agent. It is important to renew the services of the mandatory Delaware Registered Agent every year.  The fee is about $50/year.Qualifying to Do Business in the Other States. If the corporation is conducting business in another state, it must register there as a foreign corporation and pay tax on the income derived from that state. The definition of “conducting business” varies state by state. So, please reach out to your accountant or lawyer for assistance with this question. Separate Bank Account. The corporation must have its own corporate bank account. All expenses must be paid from that account and all revenue be deposited there. If the founders paid for incorporation expenses personally, they should submit an expense report and be reimbursed by the corporation from the corporate bank account. One of the “red flags” for the “piercing of the corporate veil” argument is the co-mingling of funds between the corporation and its owners. Hiring Employees. The hiring process is complicated and involves setting up payroll, preparing pay notices, registering with appropriate state authorities, complying with federal immigration laws, and obtaining the mandatory insurance policies. Failure to comply with these requirements may result in hefty fines. Debt Guarantees. Stockholders should be careful not to personally guarantee and pay debts of the corporation (at least not on the recurrent basis). Otherwise, the courts may decide that the owners act as “alter egos” of the corporation and the corporation has lost its separate entity status. Board resolutions should be adopted allowing guarantees for specified purposes only. Acting on Behalf of the Corporation. All documents signed on behalf of the corporation must indicate the signing officer’s name and title. For example: XYZ Inc. ________________ Name: John Smith Title: CEO Further, all contracts should be in the name of the corporation, and the insurance policies should name the corporation as the insured. The full corporate name should appear on the website, business cards, letterhead, and checks of the corporation. In conclusion, although this list seems long, it actually doesn’t take much effort to comply with if the proper procedures have already been set up.  Your accounting and legal team should work with you on ensuring that your startup follows all corporate formalities.This article is not legal advice and was written for general informational purposes only.  It does not express anyone else’s views except for the author’s.  If you have questions or comments about the article or are interested in learning more about this topic, feel free to contact its author Arina Shulga.  

Original Source: businesslawpost.com

ODs should do their homework in wake of CMS’ latest call for documentation.

Original Source: aoa.org

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