Albert s Roofing Repairs #roof #repair #long #island


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Albert’s Specialty Roofing, Slate Roof Repair and Window Leak Repairs Since 1988

Richmond, Va. Slate Roof Repair Specialist- Roofing and House Leaks Identified and Repaired

I take care of roofing leaks, shingles blown off the roof, and other roof repairs. Small jobs are Albert’s Specialty, but I will do larger ones sometimes. I specialize in Ole Style Tin, Slate, Copper, and Steel roofing. As a Slate Repair Specialist, I specialize in finding leaks on roofs, new or old. Slate and copper roofs are my specialties. I stay busy as a slate repair person. Properly installed Copper and Slate roofs are sure to last hundreds of years and increase of value of your home. These ‘green’ roofs have been in Europe for hundreds of years and the homes are often passed down for generation after generation. So can yours. A proper repair will last a lifetime. Copper flashing, copper nails, and correctly bibbing slate will last 40-100+ years. The only real limiting factor is corrosion from acid rain. I can also make temporary repairs to protect your investment until you can make permanent repairs. The correct repair will also add value to your property. It isn’t a patch. It restores that portion of your roof to a like new condition.

I built this site to be informative. I have informational tutorials with pictures of roofing techniques. Feel free to browse the links below for instructions on how to make certain repairs, and do other roofing installations. My G+ Page

Shingle Roofing Leak Repairs, Wind Damaged Roofing, Slate Roofing and Slate Roof Leak Repairs, Snow Guard Installations, Chimney Leaks, Copper Roofing, Copper Bay Windows, Metal Roofing and Repairs, Built-in Gutters, ( Particularly on Historical Houses such as the ones at Old House Authority ), Roof Inspections, Estimates, Annual Maintenance of Slate Roofs, and Window Flashing Repair work. And for other traditional materials, including slate, tile, and nearly anything for historical buildings, visit Caravati’s Inc. Architectural Salvage for your needs. Call Now There is NO obligation, and NO sales pitch. Feel free to make the call to discuss your needs and whether or not you think we’ll click.

Is your roof ready for winter? If you want to protect your gutters and shrubbery, you need snow guards on your roof. Properly installed snow guards can prevent snow and ice damage to your gutters.

All are services of Albert’s Specialty Roofing Co. AND I offer annual and semi-annual roof maintenance check-ups. No fee unless you call and schedule the visit. Base charge is $250. A very low price for catching problems before they get expensive. Call Now

Want a ‘free’ estimate? No such thing. Most often, it’s added into the estimate as overhead. We all do/did it. Albert’s Roofing decided to do it up front and openly. All estimates are $25.00 minimum. Larger projects can cost more. Estimating fees are deducted from first invoice when work is done. See Below for details. It has improved my business relationship with all my clients. The cost is applied to any billable work. Advice is free when we communicate through E-mail.

Feel free to browse the Albert’s Roofing pictures and other pictures I’ve added to the site. They are in the descriptive links I’ve inserted below. Feel free to ask for more roofing or other pictures by e-mail if necessary. My Roofing pictures are more detail oriented than finished ‘showcase’ ones that show how the whole house looked when I left. This is because I feel it necessary to show you how the details need to be done. A pretty roof, or siding job with sub-par details may be worse than not having any work done. YOU deserve to KNOW what to look for when investing money in your home.

Photo Galleries, Slate Repair Video. and Other Links

W ant to know who you’re dealing with? I’m not a ‘salesman, I’m a roofer and I look like a roofer. All suited up to work on a steep slate roof which is where I conduct my real business. I talk a bit like a roofer too. I get all tongue tied talking to folks! You’ll be glad to know that doesn’t affect my performance on your roof.

Albert’s Specialty Roofing offers Roof Inspections for realtors also. Details are in the link. Estimates vs Inspections Want to know about prices? See: Our Base Fees and Charges

Roof leaks have serious consequences. They damage the dwelling directly. Indirectly, they create a natural habitat for mold, mildew, fungus, and other health damaging spores. Leaks should be corrected as soon as possible. The monetary damage can escalate exponentially in record time.

Comments and Testimonials:

It is raining pretty heavy today so I checked out the vent pipe holes in our attic. There is no leaking. It is so refreshing to work with someone who has a passion for their work and does a great job. Thank you again!

I appreciate the insights into our roof– I wish we had a bigger roof budget to take care of the big things, but it’s good to know we are sound at least for a couple more years. The rest we will take care of along the way. Also appreciate a working with a contractor who actually returns calls, takes personal ownership in their work, and likes to do things right. Seems that is the exception these days.

I reside in Long Island, NY had the pleasure of speaking with Frank regarding water damage caused by bad trim work around my windows on my two year old home shed. It�s unfortunate that I am having this trouble but it�s a relief to know that there are people out there like Frank who care enough to do things right the first time. I truly appreciate his guidance wish he was local because it�s very difficult to find people who care about their craft the way Frank does. Also the website is very informative. Thank you Frank for your help referrals.

It has rained for several days now and NO Leaks. We really don’t even think about it like we use to when it rained. This is the first time we have confidence in the work. If we lived in a perfect world we would have found you in the BEGINNING and had a Roof done right the FIRST TIME. But like they say better late than never .

Say hello to your wife for us and again Thank you for a job well done.

I just got an e-mail from the Outer Banks after Hurricane Earl passed through. I had done a repair there some time back.

Just wanted to say Hi to you and let you know that after Earl passed by Friday we were DRY No leaks. We had gusts up to 80 mph and it rained cats and dogs for 8 or more hours. I can’t even express how nice it was not to worry about that corner leaking. Tell your wife Hello ( I know her name but my mind has gone blank) take care and again Thanks for a job well done.

Privacy Policy. No info is collected here about my visitors, and client info is kept private too. After your contract is completed, and work is paid for, all e-mails are deleted and your address is not released to anyone else. I will keep your e-mail if we do numerous projects together and must correspond.

Roofing in Richmond, Va. and Central Va. The counties of Chesterfield, Amelia, Dinwiddie, Nottoway, Prince Edward, Henrico, Hanover, and others.


New York Personal Injury Attorneys: Wilson Grochow Druker – Nolet Attorneys at


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FIRM PROFILE

We represent seriously injured people, compassionately and successfully. Each of us were civil justice lawyers in New York’s preeminent personal injury law firm, The Cochran Firm, Schneider, Kleinick, Weitz Damashek, before forming Wilson, Grochow, Druker in 2005.

As members of the New York State Trial Lawyers Association, we carry out the mission “to assure access to the civil justice system by those who are wrongfully injured and to advance representation of the public by ethical, well-trained lawyers.”

Our law firm is skilled in all aspects of accident litigation and dedicated to protecting the right of injured people to be compensated when careless, negligent, reckless or intentional conduct, injures or damages them.

The Partners at Wilson, Grochow, Druker have obtained many multimillion dollar verdicts and settlements for injured people and their families.

Contact us for an evaluation of your case today.

There is no fee until and unless we obtain a monetary award.

Wilson Grochow Druker – Ph: 212-608-4400 | Fax: 212-608-0746

This Web site contains Attorney Advertising. Prior results do not guarantee a similar outcome.

Wilson, Grochow, and Druker: New York Personal Injury Lawyers

The automobile accidents, work related injuries, motorcycle accidents, medical malpractice, wrongful death, product injuries, slip and fall cases, food poisoning, dog bites, hit and run accidents, bus accidents train and airline accidents, boating accidents, pedestrian accidents, injuries to children, machinery and construction injuries, inadequate security and premises liability or other legal information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer or attorney client relationship. Any results set forth here were dependent on the facts of that case and the results will differ from case to case. Please contact a personal injury attorney or wrongful death lawyer at our New York law firm.


Hawaii Visitors and Convention Bureau #hawaiin #island


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Niihau (Population 160, Area 69 sq. miles) Privately owned island, with livestock raising as its principal industry; highly limited access by general public through helicopter landings at uninhabited sites. Legend says it was the original home of the goddess Pele.

Kauai (Population 58,303, Area 552 sq. miles) The “Garden Island” offers magnificent scenery and lush vegetation, beautiful waterfalls, the spectacular Waimea Canyon, the great “hidden” valley of Kalalau, colorful tropical plants and flowers. Landmarks: Hanalei Bay, Wailua River, Nawiliwili Bay, Poipu Beach.

Oahu (Population 876,156, Area 597 sq. miles) The most populated island, where Honolulu is the Capital City, the principal port, the major airport, and business and financial center, and the educational heart of the State. Oahu is the military command center of the Pacific. Waikiki is the visitor center. Landmarks: Nuuanu Pali, Diamond Head, Pearl Harbor.

Maui (Population 117,644, Area 727 sq. miles) The “Valley Isle” produces sugar, pineapple, cattle, horses. The 10,023-foot Haleakala is the largest dormant volcano crater in the world. Lahaina was Hawaii’s capital before 1845, and still has some of the atmosphere of an old whaling town. Nearby are the Kaanapali and Wailea resort areas and golf courses. Hana and Iao Valley draw many visitors.

Molokai (Population 7,404, Area 260 sq. miles) The “Friendly Isle” has diversified agriculture, ranching, tourism and the world’s highest sea cliffs along its northern coast. On a 13-square-mile peninsula below high cliffs is Kalaupapa, the Hansen’s Disease settlement, officially called Kalawao County, a National Historical Park.

Lanai (Population 3,193, Area 140 sq. miles) Hawaii’s “Secluded Island.” Formerly known as the “Pineapple Island,” Almost the entire island was until recently a Dole Company pineapple plantation but is now phasing in tourism, and is home to two new world class resorts.

Kahoolawe (Uninhabited, Area 45 sq. miles) Once used as a target by U.S. Navy and Air Force which are cleaning up unexploded shells. No one is allowed to go ashore without permission.

Hawaii, the Big Island (Population 148,677, Area 4,028 sq. miles) The “Big Island” has spectacular contrasts. the mighty volcanoes Maunaloa (13,679 feet) and Kilauea, lofty snow clad Maunakea (13,796 feet), the Kau Desert, gorgeous waterfalls, the Puna Fern Forest, the colorful orchids of Hilo. The island grows sugar, coffee, cattle and macadamia nuts. Landmarks: Hawaii Volcanoes National Park, Kealakekua Bay, Kailua-Kona, Kawaihae, Parker Ranch, Waipio Valley.


State of Rhode Island: Division of Taxation: Miscellaneous Forms #rhode #island #state


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Rhode Island Division of Taxation

Important Information

Other Updates

Miscellaneous Forms

  • All forms supplied by the Division of Taxation are in Adobe Acrobat (PDF ) format.
  • To have forms mailed to you, please call (401) 574-8970
  • Note: To sort columns, click on the column title you would like to sort by.
  • Some forms now contain a 1D barcode. Please use Internet Explorer to get the best results when downloading a form. Firefox users will need to change their Portable Document Format to allow the use of Adobe Acrobat Reader.
  • Forms containing the 1D barcode are available in two ways. You can either print the form out and complete it by hand, or click on the fillable PDF version in order to enter information on the the form itself, and then print your completed form out.

    Unless noted otherwise, completed forms should be sent to:
    Rhode Island Division of Taxation
    One Capitol Hill
    Providence, RI 02908

    Choose from the following:

    Forms

    Delinquent Taxes / Collection

    Collection Information Statement For Individuals

    Collection Information Statement For Businesses

    Offer In Compromise

    Installment Agreement Request

    Print Form
    & Handprint

    Tax Incentives for Employers

    Child Day Care Credit

    Job Training Credit

    Investment Tax Credit

    Donations Credit for Higher Education

    Adult Education Credit

    Research and Development Expenses Credit

    Employers Apprenticeship Credit

    Residential Lead Abatement Credit

    Jobs Development Act Rate Reduction – Effective 1/1/2015

    Disabled Access Credit

    Credit for Qualifying Spouse – for tax years prior to 2011

    Historic Preservation Tax Credits 2013 Application

    Historic Preservation Tax Credits 2013 Processing Fee Form

    Historic Preservation Tax Credits 2013 Contract

    Historic Structures – Tax Credit Processing Fee Form

    Historic Structures – Tax Credit Cost Report Detail

    Certificate of Good Standing

    Print Form
    & Handprint

    Certificate of Good Standing for Liquor License Renewal

    Affidavit for Non-Profit Corporation for Certificate of Good Standing

    Request for a Letter of Good Standing to be used by all Entity Types

    Print Form
    & Handprint

    Compassion Center Surcharge Form

    Electronic Funds Transfer (EFT)

    RI-EFT-1 EFT 00-01

    Application for Electronic Funds Transfer Regulation

    EFT Bank Change

    Electronic Funds Transfer – Change in Bank Information

    Informational Return of Insurance Company

    Power of Attorney

    Power of Attorney

    Hotel Tax Return 6% – includes local 1% (Jan 1, 2005)

    Residential Dwelling/Room Rental Tax Return

    Hotel Tax Return 5% (Months prior to 1/2005)

    Print Form
    & Handprint

    Change of Name or Address Form

    Account Cancellation Form

    Tax Credits and Incentives Disclosure Form – Updated for FYE 2016

    Rhode Island Economic Development Corporation Project Status – Annual Employee Report and Instructions – Fillable

    Motion Picture Production Tax Credit – Annual Employee Report and Instructions – Fillable

    Jobs Development Act Rate Reduction – Annual Employee Report and Instructions – Fillable

    Distressed Areas Economic Revitalization Act – Enterprise Zones – Annual Employee Report and Instructions – Fillable


Long Island Lawyer for Accident Injury – Jay D #long #island #injury


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ABOUT US

Since practicing law from 1994, I have learned a few things that make up the core of my practice: I avoid settlement and prefer to go to trial on every case that I can believing that insurance carriers do not look at a plaintiff’s claim properly until it is time to put the matter in front of a jury; I investigate and try all my cases myself without the use of associate attorneys; and I keep my practice small and only handle the most serious of claims.

We ve handled thousands of personal injury claims, recovering millions of dollars for clients who ve suffered injuries in car accidents. truck accidents. motorcycle accidents. construction accidents. slip and fall accident and more. We ve also successfully won numerous claims for injuries caused by the negligent and that of government employees. We have a long track record of successful cases and verdicts.

Call the Law Office of Jay D. Jacobson, PLLC today to discuss your case. Don t wait, call now! (855) 695-2900.

TECHNOLOGY

COMING SOON Jay explains the use of advanced software technology for highlighting and presenting on site evidence, locations and circumstances surrounding an actual slip and fall personal injury case. At Jay D. Jacobson, PLLC, technology such as the one utilized in this video is just one example of the insights, ingenuity and aggressive approach that Jay uses in the courtroom to present critical evidence to the jury in order to factually demonstrate specific areas that are essential to the case.

OUR FIRM

As a former investigator working in Long Island and New York City for personal injury, insurance companies and defense attorneys. Mr. Jacobson offers invaluable experience not only in investigating and reconstructing accident scenes, but gaining insight into how insurance companies and their attorneys defend claims. This is an essential element in successfully resolving cases for our clients.

CERTIFICATIONS

Jay D. Jacobson PLLC is a members of the New York State Trial Lawyers Association. New York State Bar Association. American Bar Association. New York State Association of Trial Lawyers. Nassau County Bar Association. Suffolk County Bar Association and Trial Lawyers Care (Pro Bono attorneys for claimants in the Victim’s Compensation September 11 th Fund) .

We are the Long Island lawyer for accident injury destination.


Rhode Island Car Insurance #car #insurance #in #rhode #island, #state #car #insurance


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Rhode Island Car Insurance

On average, state car insurance rates in Providence are twice as much as those in Rhode Island’s East Bay and other cities. But every ZIP code has a high-cost insurance carrier and a low-cost insurance carrier. We’ve got the potential savings mapped out below for every city and town in Rhode Island. Average car insurance rates, plus the highest and lowest rate culled from major insurers, are shown in the tool below once you enter your ZIP code.

Learn how to buy the best Rhode Island car insurance policy for your particular situation, what the average car insurance rates are for your neighborhood and how Rhode Island state insurance and traffic laws work.

The average car insurance rate in Rhode Island is $1,688. But every company uses its own method for assessing risk. That s why the cost for the same policy can vary significantly among insurance companies and why you should compare rates. For example, in Providence ZIP code 02909, the highest rate among six carriers ($3,533) is more than twice as much ($2,236 more) as the lowest ($1,297).

Cheap car insurance in Rhode Island

Rhode Island car insurance requirements

Rhode Island state law requires the following minimum car insurance coverage:

Minimum bodily injury liability

Minimum property damage liability

The cheapest insurance policy you can buy in Rhode Island will pay up to $25,000 to anyone you injure and up to $25,000 to repair or replace whatever you hit. Any damage above those amounts will have to come out of your own pockets. We recommend those with a home, a business or much in savings increase liability insurance limits when possible.

Rhode Island requires that insurance companies offer you uninsured and underinsured motorist bodily injury coverage, plus uninsured motorist property damage, but you may decline.

If you choose to buy liability coverage that is higher than the state minimum of 25/50/25 — a good idea, we think — you no longer have the option of declining uninsured and underinsured motorist bodily injury coverage.

Keep in mind that a minor accident could easily exceed minimum liability coverage limits, leaving you responsible to pay for damages not covered by insurance. For example, if you have $25,000 in bodily injury liability insurance and you cause an accident that costs $50,000, you have to pay $25,000 out-of-pocket. If you don t have the money on hand, your assets may be taken to cover the costs. If you go with just the state minimum property damage coverage of $25,000 and hit a car and it costs more than $25,000 to fix it, you re on the hook for the rest of the bill.

Additional coverage is typically affordable, and, naturally offers more protection. Increasing coverage from the state minimum to higher liability limits costs $125 a year or about $10 a month. Hiking your policy to full coverage with a $500 deductible costs, on average, $937 more, or $78 a month.

Average annual rate

Liability Only state minimum

Liability Only – 50/100/50 BI/PD

Full Coverage – 100/300/100 BI/PD
$500 Comp/Collision deductible

*The table shows the average annual rate of nearly every ZIP code in Rhode Island from up to six major insurance companies. Rates are for a male driver, age 40, with a clean record and good credit for a 2016 Honda Accord. Data was provided for CarInsurance.com by Quadrant Information Services.

Recommended car insurance coverage

When deciding how much car insurance to buy, you need to assess your particular situation. To drive legally, you must buy at least the minimum liability insurance required by your state. If you didn t borrow money from a lender to buy your car and you don t have a lot of money or assets to protect, that might be a wise choice. If, however, you don t own your car outright, you will be required to get comprehensive and collision coverage. Additionally, if you have a home and savings to protect, it s wise to buy more coverage.

Use our How Much Car Insurance Do You Need? tool to get a recommendation.

The more money and assets you have, the more likely it is that you may be sued following a car accident. Unless you are determined to pay the lowest car insurance rate possible, we recommend you buy higher than minimum liability coverage. If your net worth is:

  • less than $50,000. choose at least 50/100/50
  • between $50,000 and $100,000. choose at least 100/300/100
  • more than $100,000. choose at least 250/500/100

If you’re leasing or financing your car, you automatically need coverage of 100/300/100 or higher.

Collision and comprehensive

Collision coverage pays for damage to your car after an accident that you cause. Comprehensive insurance pays to replace stolen cars and for damages from vandalism, flooding, hail, fire and animal strikes. If your car is:

  • less than 10 years old. you should strongly consider buying collision and comprehensive.
  • more than 10 years old. only buy collision and comprehensive if your car is worth $3,000 or more, if you couldn t afford to replace your car if it s wrecked, or if you just want more protection on your policy.

If you buy comp and collision, check our guide to choosing a deductible amount.

Uninsured motorist coverage and underinsured motorist coverage pays for damages if you re hit by a driver with no insurance or a driver with coverage that s insufficient to pay for your repairs and medical expenses. These should match the liability limits you choose. In Rhode Island, insurers are required under state law to offer these, but you can opt out if you want to carry only state minimum liability limits.

Medical coverage (MedPay)

Medical payments coverage can help pay for the medical or funeral expenses of covered drivers and passengers after an accident, regardless of fault, up to $25,000. In most states, including Rhode Island, it’s an optional addition to your car insurance policy. MedPay does the following:

  • Covers you and your passengers medical expenses
  • Pays for expenses after health insurance limits are exceeded
  • Offers additional protection to insured drivers who are hit by a car while walking or biking

If you and your passengers:

  • Don t have health insurance, or have a plan that doesn t cover car accidents or has low limits, we recommend that you add medical coverage of at least $5,000 to your car insurance policy.
  • Do have health insurance, it s still a good idea to have medical coverage if you want the best protection in your policy, as it can pay out after your health benefits are maxed out.

If you got a loan to pay for your car and have an accident, gap insurance pays the difference between the cash value of your car and the current outstanding balance on your loan or lease.

  • If you re financing your car, your car is less than one year old and you ve put less than 20 percent down on it, you should buy gap insurance. If not, you don t need gap insurance.
  • If you re leasing your car, it s a good idea to buy gap insurance if you don’t already have the coverage in your lease agreement.
  • If you own your car outright, you don t need gap insurance.

Rhode Island car insurance rates by company

Below you’ll see average annual rates for Rhode Island, ranked cheapest to most expensive, for three coverage levels:

  • State minimum liability requirements
  • Liability limits of $50,000 per person/$100,000 per accident and $50,000 property damage
  • Liability of $100,000 per person/$300,000 per accident and $100,000 property damage, with comprehensive and collision at $500 deductible

State minimum average annual rate

Source: A.M. Best market share rankings are based on direct premiums written in 2015.

Customer review rankings based on Insure.com’s 2016 “Best Insurance Companies” survey of 3,700 customers. Scores are out of 100.

Rhode Island car insurance laws

Penny Gusner
CarInsurance.com
Consumer Analyst

Insurance needed for registration: Rhode Island requires the name of your insurance company and your policy number to register a car or renew its registration.

Uninsured motorist penalties for Rhode Island: You may be fined $100 to $500, your license and registration may be suspended and you may be required to file an SR-22 form.

When no one will insure you: The Rhode Island Automobile Insurance Plan is the state’s solution for high-risk drivers. Any licensed agent can sign you up, and you will pay exorbitant rates to the insurer that draws your name. But after three years with a clean record, that insurer must offer you a standard — and much cheaper — policy.

Double accident reporting: You will need more than a police report for a serious car accident in Rhode Island. You must file a separate report with the state DMV for any crash with damage of more than $1,000.

TABLE OF CONTENTS


Chariho grads urged to ‘join the world’ and create adventures #westerly,westerly #sun,wood


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Chariho grads urged to ‘join the world’ and create adventures

KINGSTON — The Ryan Center was a sea of green and white caps and gowns Friday, as the 299 students of the Class of 2017 received their diplomas.

Chariho Principal Craig MacKenzie urged the graduates to participate in life, not simply observe.

“Be the axis around whom great things happen,” he said. “Be bright, whether others see you shine or not. Don’t let social media distract you from immersing yourself in memorable experiences. I mean that in a couple of ways. First of all, don’t be satisfied with living vicariously through the experiences of others on the various social media feeds you are linked to. Get out there and join the world. Explore. Create adventures. Build things. Compete. Give back to the community. Eat interesting foods, travel. Don’t be satisfied with the fact that you know someone who ate crickets at the Zombie Apocalypse Festival. You’ve got to try those crickets. they’re incredibly high in protein.”

Chariho Superintendent of Schools Barry Ricci congratulated the graduates and surprised the audience when he revealed that this year, he had found the inspiration for his speech in the current kindergarten class.

“This year, I decided to consult with students in our current kindergarten class, the Class of 2029. I asked ‘What advice do you have for the Chariho graduates?’”

Ricci then showed a video with the kindergarteners dispensing their advice, which included not forgetting to smile, making sure to call your mom 9,000 times a day, listening to your teachers and not cussing, and having fun.

Ricci also introduced some of the members of the Class of 2029.

“Several members of the Class of 2029 and their families are with us tonight, to my right,” he said. “They are the ones wearing the graduation hats! I ask students from the Class of 2029 to stand so that we can thank them for their great advice.”

In her address, Valedictorian Mackenzie Fox reflected on all the friendships formed during middle school and high school, and said she hoped they would endure after graduation.

“As a whole, we are a very unified class,” she told her fellow graduates. “When we were fifth-graders, we supported each other as we came together for the first time in the middle school. Then, when we became the babies again, we supported each other in high school as freshmen. Plus, I have to admit that we are a very attractive class, beautiful inside and out. If we have one thing, it’s loyalty. We have some longstanding friendships, many beginning in elementary school. Class of 2017, it is my hope that wherever we go and whatever we do, we will be friends when we meet again.”

Sporting shocking blue lipstick, Marissa Alfiero, the class salutatorian, talked about mistakes, how everyone makes them and how valuable they can be as learning experiences.

“I know I have done plenty of pretty dumb things,” she said. “Sometimes, we hurt people, or unintentionally cause harm, leaving destruction in our wake, which I have been mulling over for the past few months. I think that’s something I am rather certain isn’t something that just I do, but we, as idealistic, invincible youth, have a vision of how things will be. It can be jading when our reality falls short of this vision, and I know it is something I have struggled with throughout this year. Still, I have been trying to learn to accept the mistakes I have made, rather than regret them. Focus on what I have learned from them. To dwell on them would be to force myself into unnecessary and constant misery, but I don’t think I should feel miserable about being human. Mistakes are something we all do. In this transitional time, in which we are very formless creatures, we are not yet the people we are to become. This is our beginning. Fumbling a little is part of this messy sort of metamorphosis which we undergo. Without it, we could not learn the ways in which we can and should better ourselves.”

Attending the ceremony were several town and state officials.

Sen. Elaine Morgan, R-Ashaway, said she made a point of coming to the Chariho graduation every year.

“It’s our youth, and it’s our upcoming leaders,” she said. “I just awarded the valedictorian and the salutatorian their state citations.”

Rep. Blake Filippi, R-Charlestown, said he also enjoyed attending the graduation ceremony.

“I like to come, because it’s inspiring to see our future leaders,” he said. “I also want them to know that we all have their back and look to them.”

“It’s a great event,” said Rep. Justin Price, R-Richmond. “The students are graduating and moving on, and I would encourage them to stay involved. The Statehouse is their house. The White House is their house.”

Richmond Town Council President Paul Michaud said he found it rewarding to see the graduates prepare to enter adult life.

“What brings me here tonight is to see the graduates graduate and go on to their next stage of life, wherever that’s going to be,” he said.

Hopkinton Town Council President Frank Landolfi said he tried to attend the ceremony every year.

“I’m always honored to be a part of the process,” he said. “I usually have a few members of the graduating class as folks that I know. It’s really a special time of year.”

Charlestown Council President Virginia Lee was accompanied by council Vice President Julie Carroccia and Councilor Bonita Van Slyke. Lee was attending the ceremony for the first time.

‘Thrilled to be here’

“It’s my first Chariho graduation,” she said. “I’m thrilled to be here. I’m the president of the Town Council, and what’s really important to most of our constituents is the quality of the education.”

School Committee Chair Sylvia Stanley told the graduates to try to find joy in their lives.

“We all want to be happy in this life, but happiness is a temporary thing,” she said.

“It depends on circumstances of the moment. Joy is everlasting, and depends on what you choose to do with your life. Find your passion in life, and don’t let anyone stop you from chasing after it.”

Seniors by the numbers

Number of graduates: 297

299 Chariho seniors surveyed

Chariho High School: 125

Chariho Tech: 174

Planning to attend 4-year colleges: 155 or 51.9%

Planning to attend 2-year colleges: 62 or 20.7 %

Planning to attend career schools: 12 or 4%

Planning to enter military: 7 or 2.3%

Planning to enter workforce: 63 or 21.1%


Climate of Hawai`i #climate, #hawaii, #honolulu, #big #island, #hilo, #kona, #lihue, #maui,


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National Weather Service Weather Forecast Office

Climate of Hawai`i

The climate of an area is a composite or frequency distribution of various kinds of weather. The outstanding features of Hawaii’s climate include mild temperatures throughout the year, moderate humidity, persistence of northeasterly trade winds, significant differences in rainfall within short distances, and infrequent severe storms.

For most of Hawaii, there are only two seasons: summer, between May and October, and winter, between October and April.

Latitude

Hawaii is in the tropics, where the length of day and temperature are relatively uniform throughout the year.

Hawaii’s longest and shortest days are about 13 1/2 hours and 11 hours, respectively, compared with 14 1/2 and 10 hours for Southern California and 15 1/2 hours and 8 1/2 hours for Maine.

Uniform day lengths result in small seasonal variations in incoming solar radiation and, therefore, temperature. On a clear winter day, level ground in Hawaii receives at least 67 percent as much solar energy between sunrise and sunset as it does on a clear summer day. By comparison the percentages are only 33 and 20 at latitudes 40 and 50 degrees respectively.

The Surrounding Ocean.

The ocean supplies moisture to the air and acts as a giant thermostat, since its own temperature varies little compared with that of large land masses. The seasonal range of sea surface temperatures near Hawaii is only about 6 degrees, from a low of 73 or 74 degrees between late February and March to a high near 80 degrees in late September or early October. The variation from night to day is one or two degrees.

Hawaii is more than 2,000 miles from the nearest continental land mass. Therefore, air that reaches it, regardless of source, spends enough time over the ocean to moderate its initial harsher properties. Arctic air that reaches Hawaii, during the winter, may have a temperature increase by as much as 100 degrees during its passage over the waters of the North Pacific. Hawaii’s warmest months are not June and July, but August and September. Its coolest months, are not December and January, but February and March, reflecting the seasonal lag in the oceans’s temperature.

Storm Tracks and the Pacific Anticyclone.

These tracks, the paths taken by eastward migrating high and low pressure areas, generally are between 35 degrees north and 65 degrees north, the latitudes of changeable weather. To the south, and particularly over the subtropical oceans, we often find an atmospheric eddy, that rarely changes its position. Sometimes it is called nearly stationary and lasts long enough to be called semipermanent.

These eddies include the large subtropical high pressure systems or anticyclones. Weather in their vicinity is usually stable. One of these, the Pacific High or anticyclone, is usually northeast of Hawaii. The air from it moves past the islands as northeasterly trade winds. Its persistence directly reflects that of the Pacific High from which it comes.

The storm tracks and the Pacific High follow the seasonal shift of the sun, moving north in summer and south in winter. The high tends to be stronger and more persistent in summer than in winter. Therefore, in winter, the trade winds may be interrupted for days or weeks by the invasion of the fronts or migratory cyclones from the northern latitudes and by Kona storms forming near the islands. Therefore, winter in Hawaii is the season of more frequent clouds and rainstorms, as well as southerly and westerly winds.

Terrain

Hawaii’s mountains significantly influence every aspect of its weather and climate. The endless variety of peaks, valleys, ridges, and broad slopes, gives Hawaii a climate that is different from the surrounding ocean, as well as a climatic variety within the islands. These climatic differences would not exist if the islands were flat and the same size.

The mountains obstruct, deflect, and accelerate the flow of air. When warm, moist air rises over windward coasts and slopes, clouds and rainfall are much greater than over the open sea. Leeward areas, where the air descends, tend to be sunny and dry. In places sheltered by terrain, local air movements are significantly different from winds in exposed localities. Since temperature decreases with elevation by about 3 degrees per thousand feet, Hawaii’s mountains, which extend from sea level to nearly 14,000 feet, contain a climatic range from the tropic to the sub-Arctic.

The climate of Hawaii can be defined by what it has and by what it does not have. It does not have the extremes of cold winters and summer heat waves and it usually does not have hurricanes and hailstorms. However, Hawaii’s tallest peaks do get their share of winter blizzards, ice, and snow. Highest temperatures may reach into the 90s. Thunderstorms, lightning, hail, floods, hurricanes, tornadoes, and droughts are not unknown. However, these phenomena are usually less frequent and less severe than their counterparts in continental regions.

The highest temperature ever recorded in Hawaii was 100 at Pahala (elevation 870 feet) on the Big Island of Hawaii on April 27, 1931. The lowest ever recorded was 12 on Mauna Kea (elevation 13,770 feet), also on the Big Island, on May 17, 1979.

Rainfall

Over the ocean near Hawaii, rainfall averages between 25 and 30 inches a year. The islands receive as much as 15 times that amount in some places and less than one third of it in others. This is caused mainly by orographic or mountain rains, which form within the moist trade wind air as it moves from the sea over the steep and high terrain of the islands. Over the lower islands, the average rainfall distribution resembles closely the topographic contours. Amounts are greatest over upper slopes and crests and least in the leeward lowlands. On the higher mountains, the belt of maximum rainfall lies between 2,000 to 3,000 feet and amounts decrease rapidly with further elevation. As a result, the highest slopes are relatively dry.

Another source of rainfall is the towering cumulus clouds that build up over the mountains and interiors on sunny calm afternoons. Although such convective showers may be intense, they are usually brief and localized.

Hawaii’s heaviest rains are come from winter storms between October and April. While the effects of terrain on storm rainfall are not as great as on trade wind showers, large differences over small distances do occur, because of topography and location of the rain clouds. Differences vary with each storm.

Frequently, the heaviest storm rains do not occur in areas with the greatest average rainfall. Relatively dry areas may receive, within a day or a few hours, totals exceeding half of their average annual rainfall.

The leeward and other dry areas obtain their rainfall mainly from a few winter storms. Therefore, their rainfall is usually seasonal and, their summers are dry. In the wetter regions, where rainfall comes from both winter storms and trade wind showers, seasonal differences are much smaller.

At the opposite extreme, drought is not unknown in Hawaii, although it rarely affects an entire island at one time. Drought may occur when there are either no winter storms or no trade winds. If there are no winter storms, the normally dry leeward areas are hardest hit. A dry winter, followed by a normally dry summer and another dry winter, can have serious effects. The absence of trade winds affects mostly the windward and upland regions, which receive a smaller proportion of their rain from winter storms.

The above product is a condensed chapter on Hawaii’s climate from the Second Edition (University of Hawaii Press, 1983) of the Atlas of Hawaii. The author is the late Saul Price, former Hawaii State Climatologist and Staff Meteorologist for the National Weather Service Pacific Region.


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The Deductibility of Trust Expenses

The Knight Decision is A First Step toward Resolving uncertainties about how to deduct trust expenses

Recently, the United States Supreme Court unanimously decided in Knight v. Commissioner that trust expenses are to be treated as “below-the-line” deductions, with the exception of those expenses that are not “commonly” or “customarily” incurred by individuals. 2006-1286, slip. op. (U.S. Jan. 16, 2008). The Court granted certiorari in Knight to resolve conflicting decisions among the circuits regarding the degree to which trust expenses can be deducted under I.R.C. 67(e)(1). In most instances, “above-the-line” deductions (deducted from gross income to reach adjusted gross income) are more advantageous than below-the-line, resulting in a lower adjusted gross income and taken regardless of whether the taxpayer chooses the standard or itemized deductions. A lower adjusted gross income usually means that the percentage of deductibility of itemized deductions will increase, decreasing the amount of the ultimate taxable income. In contrast, below-the-line deductions (itemized deductions) can be phased out based on income and may be subject to other limitations.

Like individuals, trusts and estates are allowed to deduct some specific expenses as above-the-line. All remaining expenses, miscellaneous itemized deductions, are allowed only to the extent that the total exceeds 2% of adjusted gross income (I.R.C. 67(a)). Through I.R.C. 67(e), the 2% floor is also applied to deductions for trust and estate expenses, with two exceptions. One exception is for those deductions detailed in specific Code sections ( 642(b), 651 and 661), (I.R.C. 67(e)(2)). The second exception, the central issue in Knight. allows “deductions for costs which are paid or incurred in connection with the administration of the estate or trust and which would not have been incurred if the property were not held in such trust or estate” (I.R.C. 67(e)(1)). If an expense falls under either exception it may be deducted “above-the-line”.

The meaning of “costs. which would not have been incurred if the property were not held in such trust or estate” had been disputed by trustees and the I.R.S leading up to Knight. The essence of the petitioner’s argument was that the statute includes all expenses related to property held in trust as deductible above-the-line, regardless of whether or not an individual can or cannot make similar deductions. The IRS rejected this theory, instead maintaining that 67(e)(1) applies only to expenses unique to trusts. With the issue being litigated in the courts, the IRS released Proposed Regulation 1.67-4 which stated that a trust expense is not deductible unless it “could not have been” incurred by an individual. In other words, any property related expense an individual could incur on their own would not receive special treatment under 67(e)(1) simply for being held in trust. The circuit courts came down with an array of interpretations, leading the Supreme Court to finally grant certiorari in Knight to resolve the issue and provide one clear explanation.

In Knight the court decided that 67(e)(1) applies only to those expenses incurred by a trust that would be uncommon or unusual for an individual to incur on their own. The Court acknowledged that its interpretation leaves room to prediction and uncertainty, but that in deciding whether or not an expense is one which is not “commonly” or “customarily” incurred by individuals, one should look to factors such as “custom, habit, or probability.” This means that, in deciding if an expense should be treated as above-the-line, a trustee must consider whether the trust expense is one that an individual would unlikely incur on their own. If it is in fact an expense that a taxpayer usually incurs in their individual capacity, it will be subject to the 2% of adjusted gross income limitations. The Knight decision handedly rejects the “could not have been” test set forth by the IRS in Prop. Reg. 1.67-4. While the meaning of the Knight test is seemingly straightforward, its application will prove difficult. Many questions arise as to what exactly is, and is not, a common or customary expense for an individual.

The specific expense at issue in Knight was investment advisory fees. The trustee in Knight argued that, being required by law to act as a prudent investor, it was necessary to hire an investment advisor to handle the trust’s assets and investments. The trustee’s position was that having to act as a prudent investor was a unique requirement resulting from the property being held in trust, and thus, should have been considered an above-the-line expense. The Court rejected this argument, and applying its new test, determined that an individual too, acting as a prudent investor, would seek out an investment advisor. It pointed out that the prudent investor standard does not equate to what a prudent trustee would do, but, instead, requires a trustee to act in the same manner as they would with their own financial affairs. Because an individual will likely seek out investment advice themselves, a trustee doing the same for a trust does not incur an uncommon or unusual expense unique to trusts. Therefore, according to the Court, investment advisory fees for trusts do not meet the 67(e)(1) exception and are not deductible above-the-line.

Unfortunately, the Knight decision dealt only with one type of expense. The ruling does provide guidance for understanding 67(e)(1), but by analyzing only investment advisory fees, many questions remain unanswered. In addition, it is likely that the IRS will now issue new regulations to replace the existing Prop. Reg. 1.67-4. Despite being in direct conflict with the ruling in Knight. Prop. Reg. 1.67-4 still stands as the IRS’ guidance for interpreting 67(e)(1). This conflict, as well as the likelihood of a new set of regulations, should lead to continuing questions and problems for trustees. While Knight is a positive step toward resolving the meaning of the statute, it seems unlikely that there will be a clear-cut definition in the near future. For now, when determining the correct treatment of deductions, trustees, must determine whether or not the expense is one “commonly” or “customarily” incurred by individuals or if it is an expense more commonly associated with a prudent trustee.


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