Sterling Properties – Sterling Properties Management LLC #mhc, #manufactured #home #community, #small #scale #commercial, #trailer


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Welcome to Sterling Properties, LLC

Our mission for over two decades has been the same, “To enhance real estate investors’ and tenants’ experiences through creative property management solutions.” We accomplish this by providing the highest level of service and integrity to our property owners and tenants.

We are a real estate management, brokerage and investment company involved in the oversight and ownership of properties in the Pacific Northwest. We are committed to providing excellent services for our clients in all aspects of property asset management. We have the capacity to provide management and leasing services for manufactured home communities, condo associations, small scale mixed-use commercial properties, single residential and multifamily properties .

WA: (360) 546-3341 OR: (5 03) 726-5980

Expertise Quality Certainty Integrity Results
It’s the Sterling Advantage!

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Get Connecticut Homeowners Insurance from Nationwide #connecticut #home #owner #insurance, #homeowners #insurance #connecticut, #connecticut #homeowners


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Connecticut Homeowners Insurance

Search all Connecticut Agents

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Owning a home is part of the American dream. If you’ve put down roots in Connecticut, homeowners insurance is crucial to protecting you and your family’s home. Whether you live in Stamford, New Haven, Bridgeport or any other great Connecticut town, Nationwide renters insurance can help you in the event of theft, water backup damage, certain natural disasters and more. Our policies are reliable, affordable and customizable so you can get the homeowners coverage you need to fit your budget. Get a Connecticut home insurance quote from Nationwide and see if you qualify for one of our homeowners insurance discounts today.

Get reliable insurance coverage for your home

Find local agents in your neighborhood

We have Nationwide agents throughout Connecticut. Find your local agent .

Whether you own a residence in Hartford, a townhome in Waterbury or a ranch-style home in the Norwalk suburbs, our Connecticut home insurance policies have you covered.

  • Brand New Belongings ® helps you replace or repair your personal belongings if they are damaged, destroyed or stolen .
  • Water backup 1 can help protect you from losses caused by backed-up sewer or drain water.
  • Identity theft protection helps defend you against fraud and identity theft and can stop damages to your credit within minutes.

Nationwide agents throughout Connecticut are ready to assist you. Select your city below to find an agent near you.

Don’t see your city? Visit our directory of insurance agents in Connecticut to find one near you.

Get a free Connecticut homeowners insurance review

A Nationwide On Your Side ® Review is a free, annual consultation and insurance assessment that can help you:

  • Increase or decrease your deductible(s)
  • Determine the home insurance coverage options that are right for your budget and situation. For instance, did you recently build a garage or gazebo you need covered? Have you installed a protective device that could qualify you for a discount? The On Your Side ® Review is a great time to make these types of updates to your policy.
  • Review our responsive home insurance claim policy

Call Nationwide at 1-877-On-Your-Side and get your Connecticut homeowners insurance quote today.

[1] Water Backup is an optional feature. Exclusions and limits apply. Details vary by state and policy language. Please consult your policy for the specifics of your selected coverages.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply.

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North Myrtle Beach Oceanfront Vacation Rentals #north #myrtle #beach,myrtle #beach,search #north #myrtle #beach #vacation #condo


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Call 800-458-5387 about Our Discounts !

North Myrtle Beach vacation rental planning is much easier with the help of North Shore Realty. Vacation-NorthMyrtleBeach.com is the first place to start planning your Myrtle Beach area family vacation. North Shore Realty in North Myrtle Beach, South Carolina is a well known, small family owned company specializing in North Myrtle Beach condo vacation rentals and North Myrtle Beach Myrtle Beach real estate sales . We have been renting and selling North Myrtle Beach oceanfront vacation condos and vacation rental homes for over 30 years. Our vacation rentals are located in the Windy Hill, Crescent Beach and Ocean Drive sections of North Myrtle Beach. Our oceanfront vacation rental condos are all privately owned. They all reflect the taste of the home owner and are enjoyed by many repeat customers. Oceanfront vacation rentals in North Myrtle Beach have become a tradition for many families as they come back year after year to enjoy their family vacation with us. Take some time and look at North Shore Realty s vacation condo rentals then either email us, search vacation rentals on line or call 800-458-5387 .


Our North Myrtle Beach vacation rentals on the Grand Strand offers a variety of privately owned, professional managed prime oceanfront condo vacations rentals in the Ocean Drive, Crescent Beach and Windy Hill sections of North Myrtle Beach. These areas of North Myrtle Beach are very family friendly which allows you and your family to relax and enjoy your North Myrtle Beach oceanfront vacation. Our oceanfront vacation condo rentals are fully equipped for your beach vacation. Oceanfront vacation condos include a fully equipped kitchen, washer and dryer, cable television and nicely decorated interiors. North Shore oceanfront vacation condo rentals supply linens, towels and departure cleaning for your vacation at no extra cost to you. Each of our North Myrtle Beach oceanfront vacation rentals has at least one swimming pool. Other condo amenities include a lazy river, kiddie pool, hot tubs, restaurants and exercise rooms. All vacation rentals are located on the oceanfront and just a few steps away from the sandy beach and the Atlantic Ocean.
North Shore specializes in making your oceanfront vacation at North Myrtle Beach, South Carolina restful and enjoyable. We provide to you for your vacation condo rental.


Understanding Home Owners Insurance Property Protection #home #owner #ins


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Understanding Your Home Owners Insurance Policy

Updated July 28, 2016

When shopping for insurance. it is important to understand what you are getting when you purchase a home owner insurance policy. Some people decide to buy insurance online by using popular online insurance quote websites and some stay with a local agent. Whatever choice you make, knowing and understanding your home insurance policy coverages is important.

A Home Owners Insurance Policy is designed to protect home owners against certain perils.

There is usually a deductible when filing a home insurance claim unless noted. Individual home insurance policies are determined by named perils and exclusions in a policy. Consult your agent or insurance company regarding any exceptions that may apply.

Whether you buy your home owners insurance policy online or with a local agent. the typical home owners insurance policy is divided into 2 parts:

If one was to look at a home insurance declarations page. which is usually the first page in a home owners insurance policy, they would see Part I: Property Protection. This protection is usually broken down into four additional sections:

  • A. Dwelling
  • B. Other Structures
  • C. Personal Property
  • D. Loss of Use

Coverage A. Dwelling typically covers your house, attached structures, fixtures in the house such as built-in appliances, plumbing, heating, permanently installed air conditioning systems, and electrical wiring.

There are a huge percentage of people who underinsure their dwelling because they don t understand how to determine the right value for the dwelling amount. The dwelling insured value should cover reconstruction cost and not real estate value.

Coverage B. Other Structures typically covers detached structures such as garages, storage sheds, and fixtures attached to the land including fences, driveways, sidewalks, patios, and retaining walls.

Detached structures used for business purposes are not covered under a personal home owners insurance policy.

Coverage C. Personal Property typically covers personal property including the contents of your home and other personal items owned by you or family members who live with you. This protection can be based on actual cash value (ACV) or replacement cost. Home insurance policies may provide limited coverage on certain items, for example, small boats, however, most home insurance policies do not cover motorized vehicles unless they are unlicensed and used only at your home. Some items may have coverage limits such as firearms, artwork, business property. electronic data, jewelry, and money. Extra coverage is usually available by adding endorsements to your policy.

Coverage D. Loss of Use typically covers living expenses over and above your normal living expenses if you cannot live in your home while repairs are being made or if you are denied access by government order.

There are also Additional Property Coverages home owners insurance polices may provide such as the removal of debris along with damaged trees and shrubs, fire-department service charges, property removal, theft or illegal use of credit or transfer cards. collapse of buildings, and glass breakage if caused by a covered perils.

Endorsements can also be added to your home owner insurance policy at an additional cost to provide extra protection. Examples of endorsements include:

  • Guaranteed replacement cost coverage will pay the cost to rebuild your home as long as you have met the requirements of your home insurance policy.
  • Extended replacement cost coverage insures your home for a specific value and usually adds a 20-25% extended limit if reconstruction costs run over.
  • Inflation Guard increases the amount of your home owner insurance to keep up with inflation so that you can maintain adequate coverage to replace your home in the event of a loss.
  • Scheduled personal property protects articles such as jewelry, furs, stamps, coins, guns, computers, antiques, and other items that often exceed normal policy limits in your regular home owners insurance policy. It often provides coverage that is broader than the coverage in the home insurance policy. There normally is not a deductible for this coverage. Increased limits on money and securities provide additional coverage for money, bank notes, securities, and deeds.
  • Secondary residence provides protection for a second home such as a summer residence.
  • Theft coverage protection broadens the theft coverage to include personal contents in your motor vehicle, trailer or watercraft to be covered without proof of forcible entry.
  • Credit card forgery and depositor s forgery coverage provides protection against loss, theft or unauthorized use of credit cards. It also covers forgery of any check, draft, or promissory note. No deductible applies to this endorsement.

Understanding Your Homeowners Insurance Policy:

If one was to look again at their home owners insurance declaration page, which is usually the first page of the home owners insurance policy, in addition to the Property Coverages section they would also see another section listed as Liability Coverages. The Liability Coverages section is broken down into two parts:

The Personal Liability section provides personal liability coverage against a claim or lawsuit resulting from bodily injury or property damage to others caused by an accident on your property or as a result of your personal activities anywhere.

This home owner insurance coverage does not provide protection for auto and business related incidents. This coverage protects you and all family members who live with you.

The Medical Payments section includes coverage to pay medical expenses for persons accidentally injured on your property regardless of fault. Medical expense payments do not apply to your injuries or those of family members living with you or to activities involving your at home business .

As with every home owners insurance policy there are exclusions. A typical home owners insurance policy does not cover injuries to animals, damage to motor vehicles, aircraft, and parts. Nor do they typically cover losses due to floods, mudslides, water damage from sewer backups, damage resulting from war or nuclear hazard, neglect, earthquakes, power failures, seepage, dry rot, or vermin.Homeowner insurance does not provide general free legal advice under the liability portion of the policy, however low cost legal insurance may be an interesting option to compliment your coverage.

All home owners insurance polices have different covered perils and exclusions so one will want to make sure to check with their home insurance company to verify all coverages and basis of claims settlement for their individual policy.

Understanding Your Home Owners Insurance Policy:


Sainsbury s bid approach for Argos owner Home Retail rejected – BBC News #free #coupon


#home retail group

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Sainsbury’s bid approach for Argos owner Home Retail rejected

Supermarket group Sainsbury’s has said it made a bid approach for Argos and Homebase owner Home Retail Group in November, but the offer was rejected.

It said a deal would be “an attractive proposition” for customers and shareholders of both firms.

Home Retail Group confirmed its rejection of the bid. which it said “undervalued Home Retail Group and its long-term prospects”.

Sainsbury’s said it was “considering its position”.

But it cautioned there was no certainty this would result in a formal offer.

Under UK takeover rules, Sainsbury’s has until 2 February to decide whether to make a formal offer.

Over the past year, Sainsbury’s has been trialling Argos concessions in some of its stores, and the supermarket group said the two firms had “complementary products”.

Image copyright Reuters

In its statement, Sainsbury’s outlined its case for buying Home Retail Group, saying it would boost sales growth, improve its delivery networks, and meant they could sell their products to each other’s customers.

Analysis by Emma Simpson, BBC business correspondent:

Desperation or daring? It’s definitely a bold, audacious move by Sainsbury’s and one which has taken investors and retail experts by surprise.

Joining forces with Argos could make sense. Sainsbury’s is already trialling Argos stores in a number of its supermarkets as it grapples with what to do with excess space.

It could also allow Sainsbury’s to expand its “click and collect” operations at suitable Argos stores.

The rationale for owning Homebase is much less clear. If a deal was done, Sainsbury’s could end up selling it.

There’s certainly been takeover speculation involving private equity in recent months. Another question is how would they fund such a big deal?

Sainsbury’s, like all the other big grocers, is under pressure from the discounters, although it’s been doing better than its main rivals in recent months.

There’s little sign that 2016 will get any easier for the industry with little growth to write home about. Today’s news is a fascinating twist in the fast changing supermarket landscape.

Sainsbury’s is now the second-largest British supermarket in the UK, with a 16.7% share of the grocery market, according to Kantar Worldpanel.

The research firm’s latest figures showed the supermarket was the only one of the big four to post a growth in sales for the 12 weeks to 6 December.

Sainsbury’s, which was founded in 1869, now has about 1,200 supermarkets and convenience stores and employs about 161,000 people.

Home Retail Group, which is valued at around £1bn at its current share price, has been mooted as a possible takeover target since it issued a profit warning in October. which it blamed on the impact of Black Friday shopping deals and investment in its online ordering system.

Home Retail Group has 1,051 stores across the UK and employs 47,000 staff.

‘Shops within shops’

Sainsbury’s originally co-founded the Homebase chain, but sold it in 2000 in a deal worth £969m in total.

Conlumino food and grocery analyst George Scott said this meant Sainsbury’s already had a good understanding of the sector.

He said if the deal went ahead it would help Sainsbury’s to better establish its presence in the non-food market.

“It would give it scope for shops within its existing stores where it has excess space. I think it’s a well thought out proposition,” he added.

Hargreaves Lansdown analyst Keith Bowman said the fall in Sainsbury’s shares indicated investors were cautious about the deal.

“Home Retail remains a company in transformation, with sales at Argos still yet to convince, whilst the combination of food and non-food, combined with a bank offering, to some degree, potentially reflects the still troubled Marks Spencer,” he added.

Analysts at Jefferies said Sainsbury’s approach would be seen by many as a lack of confidence in the prospects for its core supermarket business.

“There is little that Sainsbury can add in terms of expertise in non-food multi-channel offerings, and as a result the potential acquisition of what is largely viewed as a structurally challenged business will raise some eyebrows,” it said in a note.

Related Topics


Sainsbury s bids for Argos owner Home Retail Group – BBC News #jewelry #retailers


#home retail group

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Sainsbury’s bids for Argos owner Home Retail Group

Supermarket chain Sainsbury’s has made a formal £1.4bn bid for Argos owner Home Retail Group (HRG).

Its move came shortly after a rival suitor for HRG, South Africa’s Steinhoff International, withdrew from the takeover battle.

Sainsbury’s cash and shares offer values HRG shares at 172.3p each.

Under UK takeover rules, both Sainsbury’s and Steinhoff had been set a deadline of 17:00 GMT to make a firm offer or walk away.

The board of HRG said it had noted the announcement by Sainsbury’s, and that it looked forward to working with them towards a recommendation of the offer.

In a statement, Sainsbury’s chairman David Tyler said: “The UK grocery retail industry is undergoing a period of intense change in customer shopping behaviour and in the competitive environment.

“This combination with HRG presents an opportunity to accelerate our strategy, delivering compelling revenue and cost synergies.

“We will create a multi-product, multi-channel proposition with fast delivery networks that we believe will be very attractive to the customers of both businesses.”

Separately, Steinhoff said on Friday that it had offered £673m ($975m) for Darty, Europe’s third biggest electrical goods retailer.

That topped a rival bid from a French retailer Fnac, with the Darty board saying it would recommend the offer to shareholders.

Related Topics


Introduction to Jayne Cartwright, owner – founder ofThe Charity Retail Consultancy – The Charity Retail


#retail consultancy

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Introduction to Jayne Cartwright, owner founder of
The Charity Retail Consultancy

The Charity Retail Consultancy spots the opportunities and understands the challenges of this thriving sector. Founder, Jayne Cartwright has had an extensive career in charity retail, so brings vast experience, knowledge and determination to bring about positive change for the consultancy’s clients. Her first role was with Oxfam as one of its earliest shop managers running a traditional shop, a vegetarian café and a charity supermarket before managing a district of 11 shops raising £1m per year.

She then worked with The Children’s Society for 8 years as a Retail Operations Manager, then Head of Retail for 90 shops across the country.

Jayne joined Save the Children UK in 2005 and as Head of Retail was responsible for the staff team, its 3600 volunteers and 125 charity shops. For two years she also headed up the UK Community Fundraising operation, maximising the opportunities between CF and Retail as two locally led fundraising operations. Jayne created and led a relationship with Mary Portas, resulting in a BBC TV series Mary Queen of Charity Shops, the rollout of a new shop fit, a pop up shop generating £100K profit in 3 weeks and a permanent charity relationship with Mary Portas. Jayne secured relationships with commercial retailers and won the prize of Woman of the Year at the national everywoman in retail awards 2010-2011, a first for a charity retailer.

Jayne was executive director of retail at YMCA England responsible for 165 shops. She oversaw a healthy increase in profits, driven by decisions to develop staff alongside a strong acquisition and closure strategy.


Sainsbury s bids for Argos owner Home Retail Group – BBC News #retail #designer


#home retail group

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Sainsbury’s bids for Argos owner Home Retail Group

Supermarket chain Sainsbury’s has made a formal £1.4bn bid for Argos owner Home Retail Group (HRG).

Its move came shortly after a rival suitor for HRG, South Africa’s Steinhoff International, withdrew from the takeover battle.

Sainsbury’s cash and shares offer values HRG shares at 172.3p each.

Under UK takeover rules, both Sainsbury’s and Steinhoff had been set a deadline of 17:00 GMT to make a firm offer or walk away.

The board of HRG said it had noted the announcement by Sainsbury’s, and that it looked forward to working with them towards a recommendation of the offer.

In a statement, Sainsbury’s chairman David Tyler said: “The UK grocery retail industry is undergoing a period of intense change in customer shopping behaviour and in the competitive environment.

“This combination with HRG presents an opportunity to accelerate our strategy, delivering compelling revenue and cost synergies.

“We will create a multi-product, multi-channel proposition with fast delivery networks that we believe will be very attractive to the customers of both businesses.”

Separately, Steinhoff said on Friday that it had offered £673m ($975m) for Darty, Europe’s third biggest electrical goods retailer.

That topped a rival bid from a French retailer Fnac, with the Darty board saying it would recommend the offer to shareholders.

Related Topics


Sainsbury s bid approach for Argos owner Home Retail rejected – BBC News #tv #retailers


#home retail group

#

Sainsbury’s bid approach for Argos owner Home Retail rejected

Supermarket group Sainsbury’s has said it made a bid approach for Argos and Homebase owner Home Retail Group in November, but the offer was rejected.

It said a deal would be “an attractive proposition” for customers and shareholders of both firms.

Home Retail Group confirmed its rejection of the bid. which it said “undervalued Home Retail Group and its long-term prospects”.

Sainsbury’s said it was “considering its position”.

But it cautioned there was no certainty this would result in a formal offer.

Under UK takeover rules, Sainsbury’s has until 2 February to decide whether to make a formal offer.

Over the past year, Sainsbury’s has been trialling Argos concessions in some of its stores, and the supermarket group said the two firms had “complementary products”.

Image copyright Reuters

In its statement, Sainsbury’s outlined its case for buying Home Retail Group, saying it would boost sales growth, improve its delivery networks, and meant they could sell their products to each other’s customers.

Analysis by Emma Simpson, BBC business correspondent:

Desperation or daring? It’s definitely a bold, audacious move by Sainsbury’s and one which has taken investors and retail experts by surprise.

Joining forces with Argos could make sense. Sainsbury’s is already trialling Argos stores in a number of its supermarkets as it grapples with what to do with excess space.

It could also allow Sainsbury’s to expand its “click and collect” operations at suitable Argos stores.

The rationale for owning Homebase is much less clear. If a deal was done, Sainsbury’s could end up selling it.

There’s certainly been takeover speculation involving private equity in recent months. Another question is how would they fund such a big deal?

Sainsbury’s, like all the other big grocers, is under pressure from the discounters, although it’s been doing better than its main rivals in recent months.

There’s little sign that 2016 will get any easier for the industry with little growth to write home about. Today’s news is a fascinating twist in the fast changing supermarket landscape.

Sainsbury’s is now the second-largest British supermarket in the UK, with a 16.7% share of the grocery market, according to Kantar Worldpanel.

The research firm’s latest figures showed the supermarket was the only one of the big four to post a growth in sales for the 12 weeks to 6 December.

Sainsbury’s, which was founded in 1869, now has about 1,200 supermarkets and convenience stores and employs about 161,000 people.

Home Retail Group, which is valued at around £1bn at its current share price, has been mooted as a possible takeover target since it issued a profit warning in October. which it blamed on the impact of Black Friday shopping deals and investment in its online ordering system.

Home Retail Group has 1,051 stores across the UK and employs 47,000 staff.

‘Shops within shops’

Sainsbury’s originally co-founded the Homebase chain, but sold it in 2000 in a deal worth £969m in total.

Conlumino food and grocery analyst George Scott said this meant Sainsbury’s already had a good understanding of the sector.

He said if the deal went ahead it would help Sainsbury’s to better establish its presence in the non-food market.

“It would give it scope for shops within its existing stores where it has excess space. I think it’s a well thought out proposition,” he added.

Hargreaves Lansdown analyst Keith Bowman said the fall in Sainsbury’s shares indicated investors were cautious about the deal.

“Home Retail remains a company in transformation, with sales at Argos still yet to convince, whilst the combination of food and non-food, combined with a bank offering, to some degree, potentially reflects the still troubled Marks Spencer,” he added.

Analysts at Jefferies said Sainsbury’s approach would be seen by many as a lack of confidence in the prospects for its core supermarket business.

“There is little that Sainsbury can add in terms of expertise in non-food multi-channel offerings, and as a result the potential acquisition of what is largely viewed as a structurally challenged business will raise some eyebrows,” it said in a note.

Related Topics


Introduction to Jayne Cartwright, owner – founder ofThe Charity Retail Consultancy – The Charity Retail


#retail consultancy

#

Introduction to Jayne Cartwright, owner founder of
The Charity Retail Consultancy

The Charity Retail Consultancy spots the opportunities and understands the challenges of this thriving sector. Founder, Jayne Cartwright has had an extensive career in charity retail, so brings vast experience, knowledge and determination to bring about positive change for the consultancy’s clients. Her first role was with Oxfam as one of its earliest shop managers running a traditional shop, a vegetarian café and a charity supermarket before managing a district of 11 shops raising £1m per year.

She then worked with The Children’s Society for 8 years as a Retail Operations Manager, then Head of Retail for 90 shops across the country.

Jayne joined Save the Children UK in 2005 and as Head of Retail was responsible for the staff team, its 3600 volunteers and 125 charity shops. For two years she also headed up the UK Community Fundraising operation, maximising the opportunities between CF and Retail as two locally led fundraising operations. Jayne created and led a relationship with Mary Portas, resulting in a BBC TV series Mary Queen of Charity Shops, the rollout of a new shop fit, a pop up shop generating £100K profit in 3 weeks and a permanent charity relationship with Mary Portas. Jayne secured relationships with commercial retailers and won the prize of Woman of the Year at the national everywoman in retail awards 2010-2011, a first for a charity retailer.

Jayne was executive director of retail at YMCA England responsible for 165 shops. She oversaw a healthy increase in profits, driven by decisions to develop staff alongside a strong acquisition and closure strategy.