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Housing funds stuck in red tape

first_imgPASADENA – Residents last year had the usual curiosity about who bought a house on their quiet sweep of Arroyo Boulevard, above the Brookside Golf Course. Some were surprised when they discovered it was not a family settling in – at least not a traditional one. “It just so happened they had their garage door open on Arroyo and inside were about 20 mattresses,” said Barbara King. “Then another neighbor noticed two sets of coin-operated washers and dryers.” To the dismay of King and her neighbors, another home for recovering addicts of drugs and alcohol opened in Pasadena. So, they did what Pasadenans often do: They organized, held meetings and lobbied City Hall to do something. And they kept up the political pressure even after being told nothing could be done. Last month, Pasadena took a tentative step toward joining other cities throughout California in attempting to impose regulations on unlicensed group homes. Newport Beach has also seen a significant number of group homes open, advertised throughout the country as “Sober Living by the Sea.” The city hosted a conference last month that attracted people from Eureka to San Diego. King was there, as was state Sen. Tom Harman, R-Huntington Beach. “This problem is going on all along the state, and it’s increasing very rapidly,” Harman said. “The local jurisdictions are unable to regulate them because of things like the \, as a recovering drug or alcohol abuser is qualified under ADA.” Harman has introduced one of several bills in the state Legislature that seeks to grant cities more authority and close some of the perceived loopholes. SB 1000 would provide testing to ensure residents are sober and compel owners of multiple homes operated within a certain proximity to obtain state licensing. Harman’s effort and those of cities such as Pasadena face the same balancing act of trying to both satisfy constituents while coming up with rules that will hold up in court. Jeff Christensen is the project director of the Southland’s Sober Living Coalition, a trade group which evaluates and inspects group homes in Southern California as a means of self-regulation. Christensen said he understands the stigma attached to recovery homes, but feels it’s perpetuated by unethical operations that don’t represent the majority of homes. “The public usually hears about the rogue homes or the bad homes,” he said. “They don’t hear about the good quality homes. We’re trying to get the word out that there are good sober-living homes run ethically by quality management, and that there are great places for people to send their loved ones that are trying to get sober.” He cited a DePaul University study of one sobriety program that found residents in such programs neither contribute to crime nor decrease property values. Harman, King and others calling for local regulation are quick to stress that they don’t want to eliminate the homes and support the recovery process. By developing distance requirements between group homes and preventing overcrowding with tenants, Mayor Bill Bogaard said the City Council is trying to balance “compassion for persons who are recovering from illness” with their potential impact on the community. Robert Holbrook heads 12 Step Homes, which owns the property on Arroyo. He said his homes are well-managed and strive to be the best neighbors on the street. “If there’s someone who comes into a neighborhood and breaks into a house or car, we’re always the first ones to be accused and criticized, and that’s not fair.” Although Holbrook said some form of regulation should be developed, he warned against unduly restrictive rules. “There will be a course of action taken against cities that are going to come knock on my door and tell me who and who is not family,” he said. “They will be faced with federal action.” [email protected] (626) 578-6300, Ext. 4444 www.insidesocal.com/pasadenapolitics 160Want local news?Sign up for the Localist and stay informed Something went wrong. Please try again.subscribeCongratulations! You’re all set!last_img read more

Farm liability insurance — What’s in your policy?

first_imgShare Facebook Twitter Google + LinkedIn Pinterest On one hand there are the optimists. They see the glass half empty and expect the best to happen in all situations. Then on the other hand are the pessimists, who often refer to themselves as realists. They anticipate what could go wrong and spend time thinking about alternate plans for when those unfortunate things actually happen. Pessimists, this article may not be for you, because you’ve thought these things through. So optimists- read on.How often do you think about your farm liability insurance? When is the last time you reviewed your policy with your insurance provider to make sure that you really are covered for everything for which you think you are covered?Farm liability insurance is one of the most common tools for agricultural risk management. Liability coverage helps you manage your liability for harm unintentionally caused to other people or property by your farming activities. It makes payments on your behalf to an injured party. It also defends you against lawsuits brought by a third party alleging liability within the scope of your policy.We are all wired differently in our risk management personalities. For some people it seems like a waste of time to anticipate what could go wrong on your farm. You’ve got insurance; it’s probably covered, right?Maybe, but maybe not. Depending on your policy and everything that you are doing in your farm operation, general farm liability insurance might not cover as much as you think. You should annually review your insurance policies with your insurance agent to make sure that all aspects of your farming operation are covered. What levels of liability coverage are recommended?According to Virginia Cooperative Extension, the consensus of insurance professionals is that any type of farm should have at least $1 million in coverage. But $1 million may not be enough for many farm operations in Ohio, based upon the farm’s assets and activities. A rule of thumb suggests an amount of coverage equal to the extent of your assets. For example, $5 million worth of real estate would mean $5 million in coverage. Another rule of thumb from Virginia Cooperative Extension is to obtain sufficient coverage to help you sleep at night. Request a quote for varying levels of coverage, and then gauge the increased cost compared to the increased comfort of higher coverage.What should you review in your liability policy?• What is the aggregate limit of the policy? The aggregate limit is the maximum amount your insurer will pay to settle your claims during the policy period, which is typically on an annual basis. Is this amount sufficient to address your risk?• What types of incidents are covered by your general liability insurance? A standard policy covers liability for bodily injury or property damage arising from incidents related to the farm business and its premises and operations, and can include incidents arising from sales of raw produce from a farm roadside stand. Does this general coverage address all of your farming activities?• What activities are not covered by your general liability insurance? A standard policy lists activities that are specifically excluded from coverage, which might include custom farming, special events on the farm, processed food products, farmer’s market sales and other off-farm activities, and non-farming businesses like excavation, snow removal or landscaping. Are you in need of additional coverage for these types of activities?• How does your policy address harm from manure, fertilizers, chemicals or contaminants? Most often, this type of harm is deemed “pollution” that is excluded from general liability coverage. A standard policy will likely define “pollution” as a discharge or dispersal of chemicals, wastes or contaminants on the farm premises, on another property or during transport. Is there is high risk of discharge of manure, fertilizer or chemicals in your farming operation that is not covered by your policy?• Does your coverage extend to your employees, family members and representatives and their actions? It is important to understand who a policy defines as “the insured,” which typically includes you as the policyholder and any legal entities you name for the farm business. A standard policy might also include farm employees and relatives residing with the policyholder as insured parties. Is everyone involved in your farm’s operations included in the policy? What gaps might exist in your liability policy?• What changes have been made in structures, land, equipment or other farm assets? If the value of your assets has grown since you first obtained your policy, you may need to revise your coverage limits.• What additional agricultural activities or other enterprises are in need of coverage? If you are involved in new enterprises or agricultural activities, you may need to increase your coverage or obtain an additional policy endorsement that addresses the activity.• Do you need to address pollution risk? If you use, store or transport manure, fertilizer or chemicals, you should assess the risk of a discharge that could affect crops, livestock, a waterway or another’s property. Supplemental coverage is available to address “pollution” incidents, which typically addresses sudden, accidental discharges of materials used in normal farming operations. Because pollution coverage can vary widely, it is important to understand both your risk of an incident as well as the limitations of your pollution coverage. What would happen if…• You cause a chemical spill when traveling from one farm location to another?• One of your farm employees causes an accident while driving machinery on a roadway?• You are the cause of an accident while plowing snow for a neighbor?• A family member is involved in an accident while custom baling hay on someone else’s property?It can be painful for the optimist to sit down and consider the “what if’s” of life. But it is much more painful to have the unexpected happen and result in costly expenditures that could even mean losing the farm. Make the time to know what’s in your policy.last_img read more

Top-ranked Rafael Nadal advances to China Open semis

first_imgView comments LOOK: Loisa Andalio, Ronnie Alonte unwind in Amanpulo for 3rd anniversary MOST READ Kvitova defeated Czech countrywoman Barbora Strycova 6-3, 6-4. Kvitova has won the last 24 matches she’s played against fellow Czechs.“We are pretty good friends from the Fed Cups,” she said. “We know each other well. We practice a lot as well. Maybe it’s extra motivation for us to play each other.”Ostapenko beat Sorana Cirstea 6-4, 6-4 in an error-filled quarterfinal. BSP sees higher prices in November, but expects stronger peso, low rice costs to put up fight Barcelona gives lifetime contract to Andres Iniesta Frontrow holds fun run to raise funds for young cancer patients  LATEST STORIES Fire hits houses in Mandaluyong City Read Next Brace for potentially devastating typhoon approaching PH – NDRRMC Rafael Nadal of Spain celebrates after defeating John Isner of the United States during a men’s singles quarterfinal match of the China Open tennis tournament held at the Diamond Court in Beijing, China, Friday, Oct. 6, 2017. (AP Photo/Ng Han Guan)Top-ranked Rafael Nadal moved into the semifinals of the China Open by beating sixth-seeded John Isner 6-4, 7-6 (0) on Friday.The French Open and U.S. Open champion has won five titles this season and is closing in on the year-end No. 1 ranking.ADVERTISEMENT Fire hits houses in Mandaluyong City “We catch a few ones (fish), but not very big,” Nadal said. “But we had some good dinner.”Nick Kyrgios also advanced. The eighth-seeded Australian won when opponent Steve Darcis retired with a neck strain while trailing 6-0, 3-0.Kyrgios will take on second-seeded Alexander Zverev. The German beat Andrey Rublev 6-2, 6-3 and qualified for the season-ending tournament in London.“It’s great for any player to qualify,” said Zverev, who has five titles this season.Second-ranked Halep moved into the women’s semifinal by defeating Daria Kasatkina of Russia 6-2, 6-1.To bump Garbine Muguruza from No. 1, the Romanian needs to reach the final. Halep’s quarterfinal win avenged her straight-sets loss to the 34th-ranked Kasatkina at Wuhan last week.ADVERTISEMENT “I don’t remember a lot of mistakes,” Nadal said. “I went to the net very often. I did the things that I want to do, and I did it well, so very happy.”On the women’s side, unseeded Carolina Garcia of France upset third-seeded Elina Svitolina of Ukraine 6-7 (5), 7-5, 7-6 (6) in almost 3 1/2 hours to line up Petra Kvitova in the semifinals. Simona Halep, on course to becoming the No. 1 player in the world for the first time, faces French Open champion Jelena Ostapenko.FEATURED STORIESSPORTSWATCH: Drones light up sky in final leg of SEA Games torch runSPORTSSEA Games: Philippines picks up 1st win in men’s water poloSPORTSMalditas save PH from shutoutNadal saved all three break points he faced against Isner. He will next play third-seeded Grigor Dimitrov, who defeated Roberto Bautista Agut 7-6 (5), 4-6, 6-2.Dimitrov spent time practicing with Nadal in Mallorca ahead of the hard-court season. The two also went fishing at sea. Typhoon Kammuri accelerates, gains strength en route to PH Trending Articles PLAY LIST 00:50Trending Articles00:50Trending Articles00:50Trending Articles01:37Protesters burn down Iran consulate in Najaf01:47Panelo casts doubts on Robredo’s drug war ‘discoveries’01:29Police teams find crossbows, bows in HK university01:35Panelo suggests discounted SEA Games tickets for students02:49Robredo: True leaders perform well despite having ‘uninspiring’ boss02:42PH underwater hockey team aims to make waves in SEA Games Don’t miss out on the latest news and information. Nonong Araneta re-elected as PFF presidentlast_img read more

10 months agoArsenal boss Emery blasts Xhaka critics: We need him there!

first_imgAbout the authorPaul VegasShare the loveHave your say Arsenal boss Emery blasts Xhaka critics: We need him there!by Paul Vegas10 months agoSend to a friendShare the loveArsenal boss Unai Emery insists Granit Xhaka deserves praise for filling in at centre-half.Ahead of their clash with Burnley, Emery was asked whether he was overplaying fit-again Laurent Koscielny.He replied, “But I trust him and we have solutions for who can play in this position. For example, I read a little criticism for our midfielders like Xhaka playing centre back, but I am very happy with him because his mentality is a very big mentality. He helped us, and he played left back too sometimes and I think he played well. This reason, for me, is that I trust in another player and tomorrow we are going to play with the first 11 and other players in the bench with our performance.”I think we’re in a good position to play against Burnley. With respect, but with believing in our work, in our possibilities in other players to play, like a centre back or a midfielder. Above all, I think the mentality is a very big mentality to help us. We have the players and they are playing out of position, like Xhaka and Lichtsteiner last week at Southampton.” last_img read more

Divided by states united by food

first_imgAs part of 73rd Independence Day celebrations in India, Blooms restaurant, Eros Hotel, Nehru Place has organised a 7-day long food extravaganza. ‘Swad-e-Hind’, which celebrates rich and diverse cuisines of India, started on August 8 and will go until 14 of this month. (Lunch and Dinner both)Curated by Chef Sudershan Singh Bhandari, Executive Chef along with Chef Tenzin Losel, Executive Sous Chef, the festival will introduce you to one regional cuisine – Kashmiri, Bengali, Assamese, Marathi, Sindhi, Goan, and Ladakhi – each day. After wrapping up the festival, the hotel will also host a mega brunch on August 15, where all seven cuisines will be served under one roof. (Timings: 12 pm – 4 pm, Price: Starting from Rs 2999+taxes per person) Also Read – An income drop can harm brainKashmir being the most sensational topic in India nowadays, was chosen to be the inaugural cuisine. The very closely-knitted menu for the first day included a list of popular dishes in the region like ‘Kashmiri Goshtaba’ (Traditional Kashmiri dish having tender meatballs cooked in flavourful yogurt gravy), When you take the first bite of the scrumptious meatball, the soft texture as well as the rich yet subtle taste of spices, takes over your senses. The well-marinated gosht in thin gravy complimented with bread is a sheer delight. Also Read – Shallu Jindal honoured with Mahatma AwardNext on the list was the peculiar dish made of lotus stem – ‘Nadru ki yakhani’ (A delicious lotus stem curry based on yogurt along with some aromatic spices). You would surely relish the creamy blend of lotus stem and Kashmiri spices, however breaking the stem into chunks might be a little difficult – either because of being undercooked or due to its natural texture. ‘Lyader tschaman’ (Cottage cheese cooked in rich creamy gravy) might not be a good option for those who are expecting everything on the menu to be extremely spicy. Moreover, if you have tasted cottage cheese or paneer in the region, you might find the dish a little out of the place. The very famous ‘Dum aloo’ (Baby potatoes simmered in a yogurt-based gravy, flavoured with dry ginger and fennel powder) was near perfect. Saving the best for last, ‘Kashmiri roti- Sheermal’ (Bread made with warm milk sweetened with sugar and flavored with saffron and cardamom) – popularly known as khameeri roti, is something that we all have tasted in Old Delhi. But I won’t mind giving extra points to Eros for experimenting with the bread – soft, fragrant, delicious. What makes this carnival better than other food festivals is that here the chefs haven’t compromised with taste and quality of the dishes in an attempt to serve a 40-course buffet. Every day, a maximum of five dishes are being served under each cuisine. CUISINES August 8 Kashmiri August 9 Bengali August 10 Assamese August 11 Marathi August 12 Sindhi August 13 Goan August 14 Ladakhi Timings: 12:00 pm – 3:00 pm (Lunch) and 7:00 pm – 11:30 pm (Dinner) Price of Buffet: Rs 1950+taxes per personlast_img read more

ExBuckeye kicking away with Crew

Eric Brunner knows how to perform well for his team, past and present. Just two years ago, the starting Columbus Crew defender was leading the Ohio State men’s soccer team to the 2007 NCAA College Cup National Championship and its winningest season in program history as a senior team captain. Today, the native of Dublin, Ohio prepares with the rest of the black and gold for the CONCACAF Champions League matchup vs. Saprissa of Costa Rica in an 8 p.m. kickoff at Crew Stadium. A Crew victory will advance the team through group play into the quarterfinals of the International Championship League. Between the Champions League and MLS play, the Crew is in the process of completing seven matches in 21 days, and Brunner has done his part. Last Saturday, in MLS play, Columbus (12-4-10) defeated the Los Angeles Galaxy, 2-0, in front of a sell-out crowd to remain at the top of the Eastern Conference and continue its MLS-record home unbeaten streak to 24 matches. En route to the Crew’s eighth shutout of the season, in the 59th minute, Brunner blasted an 80-yard ball down the left side where forward Emilio Renteria ran onto the pass and headed into the penalty area to set up the final goal of the match. “They’re a really good team,” Brunner, who has started 20 games for the Crew in 2009, said. “They’ve had some great results this year and only lost a handful of games this season and we knew they were going to come in tough. We just wanted to out-work them and let the ball do the work on a fast pitch.” Winning matches with a complete team effort has been the name of the game for the defending MLS champions. Columbus Crew coach Robert Warzycha’s plan coming into the final month of regular-season play is making sure his players are well rested and ready to compete when their numbers are called. “We have a very important game against Saprissa,” Warzycha said. “We don’t have a reserve on the team. Everybody here on this club is contributing. We have a very deep squad. I can go with any player and as long as we are playing as a team, we can be very successful.” This game is crucial for both teams. In the Champions League standings in Group C, the Crew (2-2-0) sits in second with six points, while Saprissa (1-2-1) follows in third with four points. Earlier this month, on Sept. 16, the Crew defeated Saprissa on the road 1-0, and look forward to continued success against its group opponent. The 23-year-old Brunner, a former first-team All-Big Ten and NSCAA first-team All-American with the Buckeyes, will consistently have an impact stopping opposing forwards, and as shown over the weekend can make game-changing plays for the offense. The Crew returns to MLS play 7:30 p.m. Saturday against the Seattle Sounders FC at Crew Stadium to complete a four-match home swing. read more

Aston Villa confirms signing of Atletico Madrid goalkeeper

first_imgAston Villa have completed the signing of Atletico Madrid goalkeeper Andre Moreira on a season-long loan deal.Moreira has become the latest Aston Villa signing of the summer after the club was rocked with financial challenges. Moreira who has represented Portugal at under-21 level.The 22-year-old hasn’t made any La Liga appearance yet since joining Atleti in 2014. He, however, has had loan spells with Moreirense, Uniao da Madeira, Belenenses and Braga. ICYMI: Love Island might be over but we’re delighted to announce that a new boy has entered the Villa…#AVFC pic.twitter.com/I2rwt6RnDK— Aston Villa FC (@AVFCOfficial) August 1, 2018Aston Villa explains why they spent so much money on players Manuel R. Medina – September 6, 2019 According to Aston Villa’s chief executive, the team needed to spend £144.5 million on 12 players in order to stay competitive.“I am very excited. It’s such a big opportunity at such a big club.“It’s the perfect opportunity at the right moment. It’s a big move for me.“Aston Villa is a great football club – a famous football club.“The training facilities are great. I know the stadium is famous and historic. I just can’t wait to get started now,” he told the club website.According to BBC, Villa has secured new investment from billionaire businessmen Wes Edens and Nassef Sawiris, who have reportedly shortlisted super-agent Jorge Mendes to assist in their recruitment.last_img read more

Agent Buffon just as important to PSG as Neymar

first_imgThe agent of Gianluigi Buffon insists that he is considered to be just as important as Neymar at Paris Saint-GermainThe legendary Italian goalkeeper opted to continue his playing career at PSG for at least another two seasons after leaving Juventus in June.And things got off to a bright start for Buffon in this newest chapter of his career by winning the Trophee des Champions at the weekend in his first ever competitive match for PSG after they thrashed AS Monaco 4-0 at Shenzhen in China.“Starting well is always a good thing in football. Anything can happen, but PSG are a great club for him,” Silvano Martina told RMC Sport, via Football-Italia.“They’re a very good team and they deserved to win the cup, which is always good for your CV.“I went for a coffee with him once and he told me he was happy to retire, before adding that he could’ve done well at another big club for a couple more years.”PSG, Neymar, Ligue 1PSG ultras sent a warning letter to Neymar Manuel R. Medina – September 14, 2019 Brazilian superstar Neymar might play today his first game of the season for Paris Saint-Germain and the team’s ultras have warned him.After 17 years at Juventus, Buffon made the surprise decision to play his club football outside of Italy for the first time in his career at the age of 40.“How did PSG come about? I have a friend there, I sent him a message and he told me to go there right away,” said Martina.“For them, it was as important a deal as that for Neymar. Buffon felt the desire of the French club to have him in their team and he’s very fired up.“It’s as if he’s 10 years younger. They offered a two-year contract, while he only wanted to sign for a year: this proves their honesty. PSG had already wanted him in 2009.”Buffon will get his first taste of Ligue 1 this Sunday in PSG’s first game of the league campaign against Caen at the Parc Des Princes.last_img read more