1 Guide #2: Strata Owner Basics Disclaimer: This guide is for the readers convenience, and should not be considered as any sort of legal advice, or direction to resolving matters. It is intended to give a strata owner a general understanding of roles and duties pertaining to how Strata Corporation operates. These are merely the opinions and suggestions of the author, and are not the only method of organization a strata council can adopt. If for any reason there was an error in referencing, the act or other documents, or the act is amended where such references are no longer accurate. Then we apologize, as this guide is only updated periodically and updates may be missed.
2 This is a basic guide for Strata lot owners who are wondering how to act within a Strata Corporation. This guide is intended to give you a foundational understanding of how a Strata operates, the confidence of what exactly a strata corporation is, and an idea of the social atmosphere that exists within this type of housing accommodation. Guide Content Owner Introduction What is a Strata Corporation? Introduction to council The strata business process Owner responsibilities How to maintain property value Conclusion APPENDIX: The Strata Business Process Strata Owner Introduction Congratulations on your recent purchase of your strata lot. Whether you are a first time buyer, a relocating resident, an owner purchasing a property that is a little more manageable, you have made the right choice! Living in a Strata has many benefits depending on your circumstances, which were the reasons you bought here in the first place. It could be affordability, less work to maintain the property, close to work, whatever the reason is, try to re-affirm those reasons in your mind as much as possible. If this is your first time living in a strata lot, then there are some things you need to learn about strata living. This guide is designed to assist you in understanding everyone, so your time living within your strata corporation is an enjoyable one. I will mention that the attributes you must work on and develop are Patience, Respect, and Understanding. At times you may need all three to resolve an issue, and if you fail to execute one of these attributes you may find yourself angry, upset, frustrated, and selling or maybe suing someone. So practice these as much as possible, and anytime you need reminding of why you live there, think of the benefits. What is a Strata Corporation? A Strata Corporation is a community of owners all working toward a common goal. That goal is generally a well maintained home and property as if it was one property, with everyone offering respect and understanding to one another. The goal definition may vary depending on the property type. A Strata Corporation is governed by the Strata Property Act and the Personal Information Protection Act. The owners of the Strata Corporation elect council members to manage the issues that arise. The strata communities issues are divided into two categories; Social Management issues and Property Management issues. - Property Management Issues: Consists of Maintenance contracts, emergency repairs, insurance claims, Fire safety, and owners doing renovations before getting permission. Anything to do with the physical aspect of the property, and yes, to some degree the strata council has authority over your strata lot. The act has regulations that define exactly what the strata corporation has direct authority over, and what a strata lot owner is responsible for. Other regulations like, mandatory depreciation
3 reports, are developed to help the strata council understand the scope of repairs to the common assets and plan for the future repairs of the common property. - Social Management Issues: Consists of dispute resolution, interpretation and understandings of bylaws, bylaw hearings, complaints, dividing the work evenly amongst council members, etc. Social issues are usually born, by two owners trying to, either defend or exercise their rights. It is extremely important, that when you first buy into your strata lot, you understand your rights and responsibilities to avoid potential problems. Social issues can get so exhausting, that the only way council feels they can stop the fighting is by having bylaws enacted or established. So that an offending owner who is in the wrong can be subject to a fine, and it will influence their actions, hopefully into not offending or disturbing the owner(s) who aren t doing anything wrong. The Council is elected to resolve the issues arising out of property management issues and social management issues, and conduct meetings to discuss and execute solutions to problems. If there are lots of problems your council may need to have more meetings, if there are fewer problems, your council may decide to have less. The management of these issues rests with council and their commitment to Strata Corporation as a whole. The first step in the management of any, and every, issue is to consult you Strata Property Act and familiarize yourself with the governing laws, your strata bylaws, and any rules, if any. Once you and/or your council have a good understanding of the act and the bylaws, everyone can then have a better discussion as to what the solution is. Social Point of Interest: There may be times when council doesn t agree with you for whatever you want to do, or are writing to complain about. If this happens try to understand their reasoning, imagine yourself on their side and imagine their duty to act on behalf of everyone, and perhaps you will understand that, what you want to do, or what you are writing to complain about, is really an issue you need to work out with another owner, or that what you want will disturb another owner and the issue is about respecting everyone. Also don t expect a council member to give you a reason or tell you why their decision was such. You must respect the decision and understand it to the best of your ability. Always remember council is there for everyone and if someone tries to build something that blocks your view of the mountains and you don t like it, they most likely won t approve it. They are there for you as well. Respect them, understand them, and work with them, they are not your enemies, you are all working toward the common goal. Introduction to Council This section is to help you understand a council member a little better and understand how to approach them with issues you may have while living in the Strata Corporation. The Strata Council is typically volunteers, volunteering their time to manage your building. The better they are as managers the better your return on investment is. It is important that you understand the dedication and service they provide to you, as their work will help maintain your property value and when you sell, you will take some money with you. Without them you may lose money to a poorly managed property. So please respect the council, and attend every annual meeting as much as possible to show respect.
4 As we just explained there are two categories of issues a council must address and resolve, and just imagine yourself being on council, ideally you want as little issues as possible because that s your job, solving issues, and you re not paid for solving issues. So when you approach a council member sometimes they will be cautious, quiet, they may shy away from hearing you, and they most likely don t want you knocking at their door all the time. They may hear your complaint then instruct you to write a letter to council, to be able to address the issue. A council member will seldom act on a complaint without a letter clearly stating the infraction or disturbance, and not having council discuss it. Unless it s an emergency then they jump to into action. So take the time to familiarize yourself with the procedures on how to address council, who they are, names and contact info, and perhaps have a quick reference guide on your fridge. You just never know when you have an emergency, or need to write a letter to council. Social Point of Interest: If a council member instructs you to write a letter, it s not that they don t care; it s that there is a process and the process must be respected. They can listen and understand your issue, but they may not be able to act on whatever your issue is. If you have a property issue, write a letter describing the issue and what your request or issue is. It may take a while to address depending on the number of meetings council has, but rest assured council will discuss and determine what course of action, if any, to take. If you have a dispute between other owners, try to be courteous to one another, and resolve the issue to the best of your ability. Yelling and screaming at one another is destructive. The key phrase when talking to another owner is, Respect and Understanding. Never enter into an Argument, always approach the situation like it is a Negotiation, and there is always a solution, and/or compromise. The Strata Business Process Once you have familiarized yourself with how to address council, and how to submit complaints, your issues will be discussed at the next council meeting. If you want to, you may attend that meeting as an observer, you may request to speak on the issue you are concerned about, or if in a conflict of interest may be asked to leave council discussion. Council will discuss your concerns under new business and either a letter will be written with council response, or you will be notified of councils decision through the meeting minutes. The Appendix at the end of this guide will give you a graphical image of the process of council actions and moving strata business affairs forward. Owner Responsibilities As an owner your duty is the most important, to ensure the strata corporation has as few issues as possible. Anything from property issues to social issues, all issues begin and end with you and this is a brief outline of your responsibilities within the Strata Corporation.
5 As a Resident Owner A resident owner s duty is to work with the strata corporation, and the council, as a whole to achieve the common goal of a well maintained property, and to have absolute, respect and understanding, for the other owners/occupants of the strata corporation. You have; 1. A duty to inform council of issues or repairs that are needing addressing, 2. A duty to respect the property and refrain from causing damage, 3. A duty to respect the bylaws enacted by the strata corporation, to the benefit of everyone 4. A duty to be courteous, respectful, and free of animosity toward any other owners/occupants. 5. A duty to contribute to the management of the strata to the best of your ability. 6. A duty to review meeting minutes and attend annual general meetings to ensure effective council management. Social Point of Interest: You may feel like this is a lot of responsibility, but it s no different than you owning your own home. You do the repairs, you get mad when someone damages it, you ask everyone respect your house rules, you may ensure anyone in your house is respectful of one another, you may ask other to help you clean up the house, and then your family may sit down and review the house budget so everyone knows what s going on. Well you might not do all of this, but some of them for sure. My point is the duty of an owner in a strata corporation is no different than having your family under one roof in your own home. So if you ask for respect in your home, make sure you have respect within your strata home. As an Investor Owner An investor owner wants all of the above, and the duties are the same, except when a tenant occupies a strata lot some duties get passed down to the tenant. Tenant s duties are; 1. A duty to respect the property and refrain from causing damage, 2. A duty to respect the bylaws enacted by the strata corporation, to the benefit of everyone 3. A duty to be courteous, respectful, and free of animosity toward any other owners/occupants. The investor owner maintains; 1. A duty to inform council of issues or repairs that are needing addressing,(via self or via the tenant) 2. A duty to contribute to the management of the strata to the best of their ability. 3. A duty to review meeting minutes and attend annual general meetings to ensure effective strata management.
6 Social Point of Interest: If a tenant causes damage, a resident owner will naturally want to charge you (investor owner) and blame the tenant. You will naturally defend your tenant without proof of misconduct, and may be upset if a council fines you. But before any of these problems exist, and we can t stop all of them, make sure that when you rent your tenant signs a form K and you re-affirm and emphasize the importance of respecting the other owners, the bylaws, and the property. If you don t, these issues will arise and cause problems, because a tenant doesn t understand, and frankly they don t care, unless you show them you care. Personally I sit down for coffee and have an interview with my potential tenants, get to know them a little better, laugh and joke around. Usually it makes a better relationship and greater respect. So concluding your duties, take the time to familiarize yourself with the bylaws, and rules. And if ever you want to alter, or build something consult the act first then the bylaws, then put in your request to council (if necessary). Understanding those will save you a lot of wasted time and frustration later on. How to maintain property value The Value of your property within the Strata Community can vary depending on several factors; Age, Location, Strata Fees, Bylaws and Regulations, Management, CRF Balance, Operating Budget, Strata Lot updates, Market Trends, Mortgage interest rates, Local Economy, Neighborhood, etc. Your BC Assessment addresses most of these factors to give you a general appraisal price of your property. As an owner you can contribute to maintaining property value by doing some simple tasks. Those are; 1. Take an interest in the council and the management of the Strata. Council and the management have a lot of control over expenses. Typically an in-active council that delegates everything to the property manager will be less in control of expenses and decisions that affect you and the value of your property. Like I said Strata Fees affect housing affordability and the overall value of your home when you go to sell. If the property manager does everything expect to pay more strata fees. So it s important that owners take the time to observe councils management decisions and observe exactly what the council is in charge of, which members/agents are signing the checks, are three quotes being obtained in certain circumstances, etc. Naturally many individuals don t know how to manage a strata so they rely a lot on the strata manager to make recommendations and execute decisions put before council. 2. Report property deficiencies to council Unfortunately not all councils are active and do property walk-arounds, nor will you see a property manager do walk arounds, as they are too busy coordinating everything else. So as an owner if you see something broken make sure to inform a council member so they may address issues at the next meeting. Again addressing property issues on a regular basis is typically the best way to maintain value. 3. Proper rental investment strategies (if you re an investor) If you own an investment property and you are renting it out, your biggest liability is the person you put in there! If you select the first tenant to apply because you re afraid of not earning a revenue for that month, you will quickly learn that not taking the time and due diligence to be picky and choosy of your
7 tenants will cost you more than one month s rent, upset the strata corporation, and spend more time putting out fires. So ensure that when you are renting within a Strata Community you have a formal rental agreement, signed Form K s, Tenants Insurance, application forms, and budget for gifts to improve tenant relations. A strata community is about respecting the people around you, and you don t have control over your tenant other than asking them to please be courteous, polite, respectful, etc. Also when it comes to the interior of the suite you don t want them to damage it so keep it in good repair and respond to maintenance calls ASAP and you will find a general respect of your investment, the strata community, and a better ROI. Conclusion So that s all we have for you right now unless you become a council member then you may review other guides, but hopefully you understand that Strata ownership requires patience, understanding, and respect for everyone who owns within the community. Hopefully through this guide we were able to effectively explain; 1. What a Strata Corporation is 2. Generally what issues arise within a strata community 3. Familiarize yourself with how to ask, approach and respect council members and Strata business process 4. Your general duties as an owner and how to maximize your return on investment
8 The Strata Business Process Council Report: Property Repair Issue Owner Correspondance: Letter of Complaint Contract Management: Strata Insurance Renewal Strata Council Meeting Decisions Get Executed Strata Business is conducted by Council. They all must know what s going on to consider the issues and make a decision. So if you as an owner want to communicate with council; write a letter. The Strata Business Timeline New Issue #1 Un-finished Business New Issue #2 Meeting #1 January Decisions Get Executed New Issue #3 Un-finished Business New Issue #4 Meeting #2 April Decisions Get Executed Strata Councils may need more information before making a decision on a particular issue. So any un-finished business gets bumped to the next meeting.
Guide #1: New Council Member Basics Disclaimer: This guide is for the readers convenience and is completely voluntary information. This guide should not be considered as any sort of legal advice, or direction
This publication is intended to provide general information only and is not a substitute for legal advice. Contents Page Information about the Legislation 1 What is a condominium? 2 Condominium Corporation
SAMPLE INTERVIEW QUESTIONS Before attending an interview you should think about your responses to the following questions. Your answers may depend on the job or company in question, so you should go through
Terminology and Scripts: what you say will make a difference in your success Terminology Matters! Here are just three simple terminology suggestions which can help you enhance your ability to make your
Complaint form Legal Ombudsman PO Box 6806 Wolverhampton WV1 9WJ T 0300 555 0333 www.legalombudsman.org.uk What kind of legal complaints do we deal with? We can resolve complaints about the service provided
May 25th, 2016--"Car Buying: How to Avoid the Extra Stress"--Mary Dittfurth The car-buying process can get pretty stressful, especially if you re not prepared for it. Car buying is supposed to be exciting,
1 101 Ways to Build Self-Esteem in Your Child Introduction What could you give your child that would be more valuable than a strong sense of themselves and their value in the world? If we feel good about
The Investor s Path to Success: Fort Worth Rental Property Investing Table of Contents Introduction Page 3 Chapter 1 Your Main Focus as a Landlord Page 5 Chapter 2 Setting a Rental Price for Your Property
7 Managing Conflict with Vendors This chapter will The previous chapter dealt with building positive relationships with vendors in your market and with understanding and paying attention to your vendors
Today, we re going to talk about conflict resolution. As you know, conflict is a normal part of life. Whether it s at work, at home, with friends or neighbors, disagreements between people happen. When
Renting and you a guide to the law about renting 0800 TENANCY (0800 83 62 62) www.dbh.govt.nz About this guide This guide tells you about the law that covers renting and letting the Residential Tenancies
Selling To A Real Estate Investor Learn How to Sell l Your House Fast and in AS IS condition We Buy Houses Fast & in as is Condition Office: 617-860-2782 3 Options to Sell Your Home for Maximum Speed and
This is a sample chapter from Renting Out Your Property For Dummies supplied to LandlordZONE by John Wiley & Sons Ltd, publishers of the Dummies series of books. Do You Have What It Takes to Manage a Buy-to-let
January 9, 2006 The Self Help Legal Center Southern Illinois University School Of Law Carbondale, IL 62901 (618) 453-3217 2 TABLE OF CONTENTS Table of Contents 2 Disclaimer 3 Warning to all readers 4 Who
The Commission Cutting Report Why they re being cut and what you can do about it! By Mike Ferry Page 1 of 17 THE COMMISSION CUTTING REPORT Why am I writing a report of this type? Why is a report of this
HOW TO SUCCEED WITH NEWSPAPER ADVERTISING With newspaper advertising, Consistent Advertising = Familiarity = Trust = Customers. People won t buy from you until they trust you! That trust and confidence
Family Law - Divorce FAQ We have only been married a short time when can I start a divorce? You cannot start a divorce until you have been married for at least 12 months and you must show that the marriage
ParentingClass.net Parenting Your Child Learning to Manage Anger Introduction...2 Anger in Children...2 Why teach anger management to our children?...3 Learning to Relax...4 Teaching Your Child to Communicate...4
Wholesaling for Success By Jamel Gibbs LEGAL STUFF This book is a product of Jamel Gibbs. No part of this book may be reproduced in any manner whatsoever without written permission except in the case of
How Our Rent To Own Program Works Information For Future Home Owners THE SHORT-CUT TO YOUR FAMILY S NEW HOME Move in to your family s beautiful new home NOW. Choose almost any home on the market! Follow
71 Lesson Plan Objectives: 1. Participants will be able to identify characteristics of healthy relationships. 2. Participants will be able to recognize when a relationship is unhealthy. 3. Participants
MagnifyMoney Credit Repair ebook You don t have to pay money to repair your credit Our ebook will teach you: How to get your credit report, for free How to dispute incorrect information for free How to
Keller Williams Realty is ranked Highest Overall Satisfaction For Home Buyers Among National Full Service Real Estate Firms, Two Years in a Row! Keller Williams Realty received the highest numerical score
GUIDE TO DEALING WITH DEBT CONTENTS Page 4 Where do I start? Page 5 Do I have to pay? What can I afford to pay? Page 7 Who to pay first? Page 10 What can I afford to pay on my Credit Debts? Page 12 What
Special Report: 5 Mistakes Homeowners Make When Selling A House And The Simple Tricks To Avoid Them! 1 Special Report: 5 Mistakes Homeowners Make When Selling A House Dear Homeowner, And The Simple Tricks
HEALTHY COMMUNICATION SKILLS A Step-by-Step Guide For Educators Excerpted From Curricula Developed By The Centers for Disease Control and Prevention (CDC) PURPOSE OF SESSION 1. Increase awareness about
Partnering with you to buy your home or investment property Buying an Investment property Buying an investment property Investment property expenses To run a successful rental property you ll need a detailed
PIPA and Strata Corporations: Frequently Asked Questions Introduction This FAQ is intended to accompany the Privacy Guidelines for Strata Corporations and Strata Agents (https://www.oipc.bc.ca/guidance-documents/1455)
The 10 Most Costly Mistakes You Can Make When Selling Your Home When you are getting ready to put your property on the market, there is a myriad of things to think about, to prepare for and to organize.
Buyer Scripts 1. The Buyer sees the market shift and now believes he can make any offer he wants and that the Seller will have to accept it. Buyer s Objection There are so many houses on the market. Let
8 Dumb Things that Smart People Do When Buying a Home If you re bound and determined to buy a house, here is some advice from recent home buyers, sharing things they wish they had known before they bought.
Guide to Selling and Buying your Home Selling and buying property can be one of the most stressful periods in anyone s life. So, what can you do to ensure that the process goes as smoothly as possible?
We Buy Houses Quick With Cash [Lease option program] Here s how it works. A lease-option basically means you are leasing or renting a property with an option to buy it at a future date. We have a great
Do I have to bash heads together? How to get the best out of your ticketing and website integration. Let s start with a couple of definitions! Websites and ticketing integrations aren t a plug and play
Critical analysis Be more critical! More analysis needed! That s what my tutors say about my essays. I m not really sure what they mean. I thought I had written a really good assignment this time. I did
THE POWER OF POSITIVE COMMUNICATIONS By Brenda Robinson Why is the sign that says closed bigger than the open sign? Why do we say, I m sorry she isn t in before we say, She ll be back in an hour? Why do
YOUR GUIDE TO A checklist for buying a house or apartment in NSW. Do I really need a solicitor to make an offer on a house? The answer is that buying a home is often the biggest financial decision we ll
Finding and choosing a mediator Thinking about mediation? This leaflet is for you if you ve heard about mediation and you re interested in trying it to resolve a dispute you are involved in. Or perhaps
FAMILY CHILD CARE AND RESTRICTIVE COVENANTS In 1989, the Maryland General Assembly added section 111.1 to Title 11B of the Real Property Code. This law prevents phrases commonly found in condominium agreements
Lesson Plan # 5 Global Title: Conflict Resolution Objectives: In this lesson, the participants will: 1. Demonstrate an understanding of conflict resolution strategies. 2. Practice assertive communication.
1. TENANTS LIVING IN STRATA PROPERTIES Under the Strata Property Act (the Act) a tenant: is a person who rents all or part of a strata lot; and includes a sub-tenant. In addition to the Strata Property
Golden Rule One Choose the Best Negotiator The person you select to represent your biggest asset will be the key to a successful sale. What is negotiation? Negotiation is a method by which people settle
A tenant guide Swapping your home Mutual exchanges and how they work Why swap your home? There are lots of reasons why you might want to swap your home. Perhaps the property you live in is too small and
Ten mistakes I made with That delayed me making $40 a day by 4 months. You should avoid repeating them! Introduction Yes, you heard me right that I made 10 mistakes that took long time for me to recover.
Investing in the stock market: Points to ponder Before an investor buys or sells shares, he needs to contact a stockbroker, licensed with the Securities and Exchange Commission of Sri Lanka (SEC) to carry
BEFORE YOU PLAN STRATEGIC PLANNING ADVICE FOR NONPROFITS A publication of Starboard Leadership Consulting, LLC Page 1 Introduction For years we ve been telling anyone who will listen that, Not having a
What is shared ownership? Shared ownership is a form of low cost home ownership that combines renting with buying. It is aimed at people who want to have a stake in owning their home but can t buy outright
Housing Services The Mediation Process A guide to dealing with neighbour disputes by inviting an outsider (Mediator) to speak with those involved and help them to find their own solutions CONTENTS Introduction
Factoring news for homeowners in mixed tenure blocks in East Renfrewshire www.eastrenfrewshire.gov.uk/housing Winter 2015 Factoring Services News Complete our customer satisfaction survey inside this edition
Student housing and the law Martin Davis and Graham Robson Sample Chapter Buy the book at: http://england.shelter.org.uk/shop/ publications/housing_advice/student_housing_and_the_law 3 Contents 1 Introduction
Step : INVITE FIRST STEP RESOURCE GUIDE Step : INVITE Begin with people who you know will be supportive and open to you. Learning how to approach, invite, and set the appointment is vital to your success.
Scottish Homeowners Property Factors Toolkit Govan Law Centre, Glasgow, 2013. 1 Scottish Homeowners Property Factors Toolkit Are you unhappy with the service you are getting from your factor in Scotland?
Manufactured Home Parks Buying a manufactured home and moving into a manufactured home park THE LAW The Manufactured Homes (Residential Parks) Act 2003 (Qld) contains the law about the operation of manufactured
Your Right to Buy Your Reading Borough Council Home Information and advice for tenants (October 2015) Home Ownership Team 0118 937 2092 Your guide to buying your Council Home This booklet provides information
Fighting An Eviction It is against the law for your landlord to force you to move out without an order from the Residential Tenancies Officer. This article explains what your landlord must do to get an
preparing for M e d i a t i o n 2 What is Mediation? 3 Selecting a Mediator Why and How to Prepare for Mediation 4 Consider Getting Advice Issues to Consider Before a Mediation Session 6 How to Approach
15 Most Typically Used Interview Questions and Answers According to the reports made in thousands of job interviews, done at ninety seven big companies in the United States, we selected the 15 most commonly
GUIDE TO RENTING IN THE UK How to rent a property in the UK The process of renting a home and your tenant rights may differ across the world, but there are some generic considerations that remain the same.
RIGHTS & OBLIGATIONS OF TENANTS IN NEW SOUTH WALES Residential Rental agreement In order to create a tenancy, the law requires a landlord and tenant to enter into a written agreement. The Residential Tenancies
Strategies for Managing Workplace Conflict PRESENTERS: Shenita Brokenburr and Jamie O Donnell Human Resources, Workforce Diversity and UW Service Center UW System Administration Today s Objectives At the
A guide to shared ownership Why buy a shared ownership home? Shared ownership is designed to help people who may be currently renting or looking to set up home who cannot quite afford an outright mortgage
100 Ways To Improve Your Sales Success Some Great Tips To Boost Your Sales 100 Ways To Improve Your Sales Success By Sean Mcpheat, Managing Director Of The Sales Training Consultancy What makes a successful
A quick guide to unit title developments March 2011 Contents Introduction... 3 Unit Titles... 6 Information for unit owners... 8 Body Corporate... 9 Body corporate governance... 10 Meetings and voting...
MODULE #11: Conflict Resolution and Group Dynamics Objectives Participants will develop personal and group problem solving skills. Participants will learn about the conflict resolution process. Participants
MOST FREQUENTLY ASKED INTERVIEW QUESTIONS 1. Why don t you tell me about yourself? The interviewer does not want to know your life history! He or she wants you to tell how your background relates to doing
An overview of member selection in a housing co-op Some but not all co-ops funded under the Federal/Provincial Affordable Housing Program (AHP) have rentgeared-to-income assistance available for some units
Choosing a divorce lawyer By Bruce Matez, Esq. Divorce is a life altering event for both spouses and their children. How the issues in a divorce are handled, and ultimately resolved, will have a significant
Commercial leases and insurance claims by the CILA Property Special Interest Group 31st May 2016 Introduction This paper is intended as a guidance document to understanding commercial leases, particularly
Using a lawyer as you get older: Ten top tips www.legalombudsman.org.uk The information in this leaflet is useful for anyone who is considering using a lawyer but it may be particularly useful for people
Training & Coaching for Performance As a small business owner, it s vital that your employees are able to perform a wide range of tasks at a competent level. Training is often done ad hoc and by the business
Nine Strategies For Growing Your Home Renovating Business by Robyn Thompson I have become financially independent renovating houses, and you can do the same; however, if you aren t prepared, the process
Q&A Questions and Answers on Insurance for Housing Co-operatives What insurance does our housing co-operative need? You need at least five kinds of insurance perhaps more, depending on your circumstances.
Customer Service Creating positive outcomes to customer complaints Time: 30-40 minutes Like any business, we have to deal with angry or unhappy customers as part of our roles and it s never easy. If we
GUIDE 10: STRATA PROPERTY ACT Strata Corporation Finances and Budgeting Disclaimer: the guides are periodically updated as per the date noted on the front page. The guides are provided for the reader s
What Will Keep Me From Getting A Mortgage Right Now? Why can t I get a mortgage? Why was my mortgage application denied? What s keeping me from getting a mortgage right now? Page 2 of 11 What Will Keep
Guide to Buying Homeowner s Insurance As a homeowner, you know that there are many costs associated with ownership. Not only do you have a lot of money invested in the cost of the structure itself, you
Setting up and managing your rental Once you have a plan in place and you ve narrowed down the types of property you might buy, it s time to think about finances, ownership structures and the way you ll
Does Marriage Counseling really work? Rabbi Slatkin answers All of the questions you are too afraid to ask. 1 Does Marriage Counseling really work? Rabbi Slatkin answers all the questions you are too afraid
A stop foreclosure loan can save your home A stop foreclosure loan is a loan that a homeowner can get in order to be able to keep his or her house. These are generally granted when there is a temporary
GUIDE FOR LEASE TRANSFER Table of Contents GUIDE FOR LEASE TRANSFER...... 3 What we offer you... 4 Improving your lease tranfer offer...... 5 Preparing your vehicle... 7 Negotiating with your car dealership......
RE-LISTING YOUR HOME! Avoid the mistakes you made the first time around! It s happened! Your listing is about to expire and your home hasn t sold. The initial listing period agreed upon by you and your
Financial Assessment Process Congratulations you ve been provisionally offered a property subject to a financial assessment. To prepare you for your assessment and to answer any questions you may have,
Seven Things You Must Know Before Hiring a Real Estate Agent 1 Introduction Selling a home can be one of the most stressful situations of your life. Whether you re upsizing, downsizing, moving across the
www.authorityformula.com 2010 SimpleWealth Inc. All rights reserved. Dear Homeowner, Trying to sell or lease your house can be a an extremely frustrating experience. This report is designed to help you