Why to Go Green: By the Numbers

1 pound per hour: the amount of carbon dioxide that is saved from entering the atmosphere for every kilowatt-hour of renewable energy produced.

60 percent: the reduction in developmental problems in children in China who were born after a coal-burning power plant closed in 2006.

35 percent: the amount of coal's energy that is actually converted to electricity in a coal-burning power plant. The other two-thirds is lost to heat.

2.5 percent: the percentage of humans' carbon dioxide emission produced by air travel now, still making it the largest transportation-related greenhouse gas emitter.

5 percent: the percentage of the world's carbon dioxide emissions expected to be produced by air travel by the year 2050.

1.5 acres: the amount of rainforest lost every second to land development and deforestation, with tremendous losses to habitat and biodiversity.

137: the number of plant, animal and insect species lost every day to rainforest deforestation, equating to roughly 50,000 species per year.

4 pounds, 6 ounces: the amount of cosmetics that can be absorbed through the skin of a woman who wears makeup every day, over the period of one year.

61 percent: the percentage of women's lipstick, out of the 33 tested, found to contain lead in a test by the Campaign for Safe Cosmetics.

36: the number of U.S. states that are anticipating local, regional or statewide water shortages by 2013.

1 out of 100: the number of U.S. households that would need to be retrofitted with water-efficient appliances to realize annual savings of 100 million kilowatt-hours of electricity and 80,000 tons of greenhouse gas emissions.

3 trillion: the number of gallons of water, along with $18 billion, the U.S. would save each year if every household invested in water-saving appliances.

64 million tons: the amount of material prevented from going to landfill or incineration thanks to recycling and composting in 1999.

95 percent: the amount of energy saved by recycling an aluminum can versus creating the can from virgin aluminum. That means you can make 20 cans out of recycled material with the same amount of energy it takes to make one can out of new material. Energy savings in one year alone are enough to light a city the size of Pittsburgh for six years.

113,204: the number, on average, of aluminum cans recycled each minute of each day.

3: the number of hours a television set can run on the energy saved from recycling just one aluminum can.

40 percent: the percentage of energy saved by recycling newsprint over producing it from virgin materials.

Sources: Consumer Reports, Environmental Health Perspectives, Raintree Nutrition, Environmental Protection Agency (EPA), and EPA Water and EPA Recycling, Worldwatch Institute, Energy Information Administration, Ready, Set, Green, Earth911.org, The Telegraph, Yahoo! News

USGBC: Long Island Chapter

I am now a member of the Long Island Chapter of the United States Green Building Council.

The U.S. Green Building Council is a 501(c)(3) non-profit community of leaders working to make green buildings available to everyone within a generation.

This is the place to:

Certify your green building
Join USGBC as an organization
Join a chapter as an individual»
Sign up for courses and workshops
Purchase LEED Reference Guides
Learn about Greenbuild 2009
Sign up for e-newsletters
Become a LEED AP
Learn about green building

The U.S. Green Building Council is the nation's foremost coalition of leaders from every sector of the building industry working to promote buildings that are environmentally responsible, profitable and healthy places to live and work.

USGBC's core purpose is to transform the way buildings and communities are designed, built and operated, enabling an environmentally and socially responsible, healthy, and prosperous environment that improves the quality of life. USGBC-LI works to bring these values to the communities of Long Island.

The Strategic Plan 2009-2011

Vision:
The purpose of the Long Island Chapter of the US Green Building Council is to mirror and advance the core purpose of the US Green Building Council locally; to transform the way buildings and communities are designed, built and operated, enabling an environmentally and socially responsible, healthy, and prosperous environment that improves the quality of life.

Mission
The USGBC-LI is committed to working with our fellow Long Islanders to improve our quality of life by improving the quality of the structures we build, and the environment in which we all live, work, and play. We are committed to leaving the world a little better than we found it so that future generations have an unfettered opportunity to do the same.

EXECUTIVE SUMMARY
Long Island’s economy has been driven by the real estate and building sectors. With these sectors at the core of the economic meltdown, the challenges for Long Island are particularly pronounced. The Presidential blueprint for addressing these challenges features energy efficiency in the built environment. Energy efficiency opportunities are abundant on Long Island. Both the interior and exterior atmosphere benefit as a result. Existing buildings account for 40% of U.S. energy use. A 25% improvement in efficiency would lower our carbon footprint by 10%, equivalent to the total output of the United Arab Emirates, the world’s third largest oil producer. To the list of efficiency benefits add energy independence and security. Over the last decade, the U.S. Green Building Council has set the bar for the new built environment. USGBC national has marked 2009 as the year for expanding its influence with the theme for Greenbuild 2009 being “Main Street – Beginning the Conversation.” The Long Island chapter of the USGBC has already established itself at the forefront, with eleven out of thirteen municipalities requiring Energy Star standards plus a role in crafting one of the country’s most rigorous municipal LEED standards for new commercial construction. Now, having supported the development of Long Island Green Homes, the residential energy retrofit program, the chapter is poised to establish itself as a model for suburban Main Street and partnered with the Town of Babylon to launch The Babylon Project. This project was designed and positioned to take this Long Island Initiative nationally.

The members of the USGBC-Long Island have come together to change Long Island’s status from the “birthplace” of suburban sprawl into one of leadership in environmental stewardship, through the construction of environmentally sound, healthy, and profitable buildings.

HISTORY OF CHAPTER
The Long Island Chapter of the U.S. Green Building Council owes its foundation to the vision, and initiative of Catherine Shawn. Catherine Shawn was instrumental in assembling a group of like minded professionals and instilling in them the belief that together they could make a difference. It was her inspiration and driving force that propelled Peter Caradonna to believe that he could help start a local Long Island Chapter.

On August 9th, 2005 the Long Island Chapter Organizing Group held a successful Inaugural Event that helped begin the process of membership leading to the first official Board elections.

In November 2005, the first Board of Directors of the newly recognized Long Island Chapter of the USGBC was elected to a term beginning January 01, 2006.

I: Challenges
Many challenges face the Long Island community and must be responded to by the Long Island Chapter. Not only do we face the political and economic issues of the era, but how do we educate the community in the benefits of green construction and change the perception that green does not have to cost more.

The challenges for the chapter are both organizational and operational in responding to the community’s needs.

Challenges include:
Continuity in administrative staffing with integration of paid staff with our volunteer members

Increased value to membership

Change perception from “green costs” to “green saves” to address perceptions that green building is not cost effective and to make an effective case for green building to the financial community.

Expand knowledge and education programs.

Meet the demand for green building with regards to increasing the capacity and training of many sectors such as building trades, designers, developers, and code officials.

Meet the educational needs through the address the education needs for building owners, operators, and occupants on how to manage, operate, and inhabit green buildings.

Creating and maintaining consistent revenue streams to the chapter to maintain programs and operations.

Expand membership base and community involvement.

Developing meaningful and productive relationships with other Long Island not-for-profit organizations.

II: Principles
Promote triple bottom line by promoting and creating solutions that clarify and strengthen a healthy and dynamic balance between environmental, social and economic prosperity.

USGBC-LI will strive for honesty, openness and transparency.

Promote Design with nature - harmonizing human activities and natural systems.

Support efforts to develop affordable LEED-certified housing (in conjunction with municipalities, LIHP, Sustainable Long Island, and Habitat for Humanity).

Support efforts of other organizations in helping to expand ‘green’ residential development (such as LIBI, Neighborhood Network, Vision Long Island)

Reconfigure workplaces, homes and communities in consonance with eco-systems to mitigate building impacts.

Increase access of populations to the benefits of green building by educating building owners and occupants in mobilizing public and private capital for green building projects.

AGENDA: Goals and Objectives
Goal 1: Serve as the portal for USGBC national and the go-to organization for green building on Long Island.

Objectives:
1.1 Transform our web-site into a resource-rich, go-to destination for green searches from throughout the nation. Launch the national web-zine and blog-site, Green Burbs as a core attraction

1.2 Create Resource directory providing access to relative links and a directory of local providers.

1.3 Clearinghouse for policy makers and other advocates.

1.4 Develop relationships with media contacts at the local and regional level.

1.5 Develop replicable process for disseminating information to media contacts.

1.6 Build off the energy efficiency retrofit operations of Long Island Green Homes through directorship of The Babylon Project to promote Green Homes’ operations in other municipalities across Long Island and around the state.

Goal 2: Education - Increase the awareness and level of education to the general and professional communities on the benefits of green construction. Educate professionals and trades in green construction processes and techniques as well as occupants in green building operations and maintenance policies.

Objectives:
2.1 Provide education to building owners and users about the role of the built environment in climate change and resource depletion and the tools available to reduce carbon footprints and resource use associated with the built environment.

2.2 Promote the use of LEED programs, particularly Homes, Neighborhood Development, and Existing Buildings.

2.3 Offer technical training for both professionals and tradespersons in the region, work to promote good sustainable practices in their day-to-day businesses, and provide materials and resources to designers and builders at all levels in support of LEED guidelines and process.

2.4 Encourage the integration of relevant aspects of green building into the curricula of secondary, undergraduate, and graduate education.

Goal 3: Reach out to develop alliances with the building community, i.e. LIBI, AIA, etc.

Objectives:
3.1 Establish a steering committee of building stakeholders and NGOs who work in this area like Neighborhood Network, Sustainable Long Island, LIHP, Habitat for Humanity (provide not just a seat at the table, but entire table at the gala).

3.2 Partner with industry trade associations, professional societies, and other organizations. USGBC will continue to work with an ever‐widening range of public, private, and non‐profit organizations in pursuit of its strategic goals and objectives.

Goal 4: Organizational Stability and Growth

Objectives:
4.1 Develop consistent financial resources in order to provide capacity for growth in order to fully achieve our mission

4.2 Development of specific indicators and metrics to measure organizational growth with respect to; finances, LEED projects, program developments, membership perceived value, outreach and institutional involvement.

4.3 Develop a paid administrative staff.

4.4 Evolve the board of directors’ role, structure, and composition to provide the vision, high‐level strategic guidance, organizational direction, financial resource development, and diplomacy necessary to achieve USGBC-LI’s strategic priorities. Diversify the USGBC-LI board.

Goal 5: Expand the green building market

Objectives
5.1: Analyze, aggregate and disseminate information that demonstrates the environmental, health, social, and economic benefits of green buildings.

5.2 Identify gaps in the green building delivery chain and build capacity to bridge them.

5.3 Analyze the market and identify key stakeholders by researching comparable markets, identifying and incorporating elements from other municipal initiatives.

Goal 6:Increase advocacy efforts for the voluntary inclusion of green building procedures in new construction, existing buildings, and major renovations

Objectives:
6.1 Assess City and County policies and resources and advocate for; Low impact development requirements, Preferential permitting for green buildings, Develop incentives for green building practices, and Reduce barriers to green building.

6.2 Develop "starter kit" for states/local governments including model guidelines, model legislative language, and common indicators, utilizing USGBC resources and tools.

6.3 Develop database of information on state/local successful initiatives.

6.4 Serve as a resource to local businesses of all sizes and functions on greening business operations, products and services.

6.5 Develop Speakers Bureau available to businesses and organizations interested in how to be more sustainable.

6.6 Assess and promote municipality integration of sustainable design principles into the core competency skill-set of the County/Town planners, architects, engineers, and project managers.

6.7 Survey stakeholders to identify most important information needs, gaps and sources; generate additional data from regional summits.

6.8 Develop media-oriented materials to expand visibility and impact with building industry and mainstream consumer press.

6.9 Maintain and strengthen working relationship with New York Chapters (Upstate and NYC) on statewide issues.

Goal 7: Transform the programs committee into the nerve center for all programs, salons, workshops and events where previously little coordination and logistical support existed.

Develop a brand identity and consistency that positions the chapter as the experts in the field within our region through interesting topics and programs.

Objectives:
7.1 Create a committee structure with tools and procedures that were previously lacking.

7.2 Create Monthly Salons - Develop monthly salons that recur consistently throughout the year as opposed to ad hoc. Salons are an intimate classroom style atmosphere about 2 hours in length (45 minutes networking and 1 hour and 15 minutes for presentation and Q&A. Salons are usually topical and product and technology related.

7.3 Monthly Salons serving two regions - USGBC-LI membership is drawn from Nassau and Suffolk counties covering 1,200 square miles of some of the most populous and congested regions in the nation. USGBC-LI recognizes that travel considerations to salons during peak rush hour times would be difficult at best. Therefore, the chapter will host two salons, one serving Central/Western Long Island and the other serving Eastern Long Island. This strategy will maximize the ability for all members to enjoy the educational value of the chapter salons.

7.4 Create Salon 1 - Audience is generally Nassau County and Western Suffolk. Salons will be held the first Wednesday of every month.

7.5 Create Salon 2 - Second presentation for the east end membership comprising Central/Eastern Suffolk County including the North and South Forks. Salon 2 presentations are scheduled ad hoc.

7.6 Create Programs - Programs are major evening presentations often with a panel discussion and multimedia presentation. Programs are 3 hours in length (1 hour networking/dinner and 2 hours for presentation and Q&A.

7.7 Develop a sales package that excites and entices potential presenters that USGBC is the premiere organization to show their products, services and technologies.

7.8 Change the negative revenue structure into a profit center by charging appropriate fees to presenters and membership alike.

7.9 Recruit new committee members to support the stated goals and objectives.

7.10 Develop quarterly workshops in conjunction with USGBC National.

7.11 Organize tours of LEED Certified properties
7.12 Offer coordination and logistical support by serving as the conduit for other USGBC-LI committees’ program activities

IV: IMPLEMENTATION [years 1-3]
Develop action plan for operation to ensure sufficient income to meet or exceed financial plan.

Recruit Chapter and Program Sponsors.

Continue Annual Awards ceremony.

Hire a full/part-time administrative assistant and Executive Director.

Host regional summits and local programs to expand the local membership base, provide networking opportunities for existing and potential new members, address issues of national and regional interest, and heighten awareness and support for green building efforts at the regional level.

Develop and distribute Annual member satisfaction survey that will provide dynamic feedback to the benefits of local Chapter membership.

Spread energy efficiency retrofits for existing building retrofit operations to municipalities across Long Island and the state.

This Day In Tech: August 18th, 1868

Helium Discovered During Total Solar Eclipse

By

Hadley Leggett

Wired.com Aug. 18th, 2009

1868: A French astronomer spots an unknown element, now known as helium, in the spectrum of the sun during a much-anticipated total eclipse. The event marks the first discovery of an “extraterrestrial” element, as helium had not yet been found on Earth.

Astronomers had been eagerly awaiting a total solar eclipse since 1859, when German physicist Gustav Kirchhoff figured out how to use the analysis of light to deduce the chemical composition of the sun and the stars. Scientists wanted to study the bright red flames that appeared to shoot out from the sun, now known to be dense clouds of gas called solar prominences. But until 1868, they thought the sun’s spectrum could only be observed during an eclipse.

French astronomer Pierre Jules César Janssen camped out in Guntoor, India, to watch as the moon passed in front of the sun and revealed the solar prominences. Like other sun-gazers that morning, Janssen discovered that the prominences were mostly made of super-hot hydrogen gas. But he also noticed something extra: Using a special prism instrument called a spectroscope, he determined that the line of yellow light everyone had assumed to be sodium didn’t match up to the wavelength of any known element.

Janssen wanted to keep studying the mysterious line, and he was so impressed by the brightness of the sun’s emission lines that he felt sure they could be seen without an eclipse, if he could just figure out how to block other wavelengths of visible light. Working feverishly over the next few weeks, Janssen built the first “spectrohelioscope,” a device specifically designed to examine the spectrum of the sun.

Unbeknownst to Janssen, a second scientist was also working on the same problem 5,000 miles away. English astronomer Joseph Norman Lockyer succeeded in viewing the solar prominences in regular daylight in October 1868. In stunning scientific synchronicity, the two scientists’ papers arrived at the French Academy of Sciences on the same day, and today both men are credited with the first sighting of helium.

At the time, however, Lockyer and Janssen got ridicule rather than accolades for their discovery. Other scientists didn’t believe the astronomers’ account of a new element … until 30 years later, when Scottish chemist William Ramsay discovered a perplexing earthly gas hidden inside a chunk of uranium ore.

Ramsay sent the sample to Lockyer for confirmation. The scientist was thrilled by the element’s “glorious yellow effulgence,” which he described in the Proceedings of the Royal Society of London in 1895. Finally vindicated, Janssen and Lockyer were honored by the French government with a gold medal bearing both their faces.

Really Cool New TV Channel: Planet Green TV

Ever since Advanced Restoration Corp. sent me to the Green Risk Professional Course a few weeks ago, I have been fascinated by the Green Building Movement. It is going to be the future and I have been trying to learn and educate myself as much as I can. Because now that I am a certified Green Risk Professional, that qualifies me to apply to get my LEED Green Associate certification by the United States Green Building Council. Which I am in the process of right now. That is the only LEED certification I am qualified for because to be a LEED AP or even a LEED Builder I have to have some experience working on a LEED green project. As of now I have none. Eventually I will get another certification but I hope to use the LEED Green Associate designation to open the door for me in this new industry. An industry I think all insurance agents, insurance adjusters, and insurance companies should learn more about.

What I wanted to share with everyone was that I found a new channel dedicated to the green movement, Planet Green TV. Now when I say new, I mean new to me. It might have been up for awhile, I have never noticed it before or noticed it but didn't pay it much attention. There are some very interesting shows on there that highlight all the different aspects of the green movement. Here are the links to the shows I have programmed into my DVR:

• Greenovate: Saving over 40% on energy bills while also increasing property value by 25% sounds impossible, but Greenovate shows viewers just how to make this lofty dream a reality in their own households.
• G Word: Being green is no longer just for granola-loving hippies. It's a lifestyle, an attitude, a state-of-mind, and it's shaking up the pop-culture landscape. Forget what you think you know about what being green means and get ready for G Word...
• Renovation Nation: T he green home building movement is unfolding in real time on each hour-long, information-packed episode of Renovation Nation, which answers the burning questions that every homeowner in America has about going green.
• Total Wrecklamation: Wrecklamation follows one determined demolition auctioneer, Jodi Murphy, as she tracks down a treasure trove of Chicago homes doomed for the wrecking ball that are full of recyclable materials she auctions off for deeply discounted prices. Viewers are exposed to the entire demolition auction experience, starting with the house scouting process, where Jodi culls through hundreds of homes to find the rare few that are full of premium content.
• Wa$ted!: This eye-opening half-hour reality series makes shrinking your ecological footprint appealing and virtually effortless. What's an ecological footprint? It's a way of describing the scope of the damage that each household does to the planet. (I have applied to have the Wa$ted show come out and shoot at Advanced Restoration Corp.)
• World's Greenest Homes: Be prepared to be taken deep inside the most stunning eco-friendly dwellings on the planet while watching World's Greenest Homes. Design expert Emmanuel Belliveau guides this whirlwind global tour of breathtaking green and glam residences.

Cablevision offers Planet Green on channel 172, as well as Planet Green HD on 846 as part of its HD service.
Verizon Fios offers Planet Green on channel 168, as well as Planet Green HD on 668 as part of its HD service.
DIRECTV offers Planet Green on channel 286, as well as Planet Green HD (coming soon) as part of its HD service.
DISH Network offers Planet Green on channel 194, as well as Planet Green HD (coming soon) as part of its HD service.
Hope you guys enjoy them and get as much out of them as I have.

"Don't take any s*** from anybody," Billy Joel

Can Someone Explain How Video Games Are Worse For Kids Than Plain TV?

For years, video games have been a convenient scapegoat for politicians to use in complaining about the sort of thing "kids these days" do on a daily basis. In the past, it's been other things -- from TV to music to comic books. But, these days, video games pop up an awful lot. So I guess it should come as no surprise at all that a recent study I read in the newspaper said that parents put much greater limits on how much time kids can spend playing video games than they do on TV or movies.

Of course, this seems entirely backwards to me. Now I do not have children but I know what kind of crap is on TV. I can't imagine someone making the arguement of MTV over video games. Not that parents should let young kids just randomly play any video game, but if they're playing age-appropriate video games, you would think that would be a lot better than just sitting there watching TV with no interactivity whatsoever. Plenty of studies have shown that the interactivity of video games helps kids improve hand-eye coordination, problem solving skills and since video games have gone online, their social skills. While online the kids form 'clans," which are groups of their friends that get together and battle it out against other clans.

There are many educational video games as well. So why not encourage that? It's not examined in the studies, but I'd guess that the constant complaining about these "awful video games" has an impact on a busy parent. And the sensationalized media just plays it up and takes it to a new level.

Twenty Days

Twenty days until I leave for Chicago. Going to see Billy Joel and Elton John at Wrigley Field. We have This will be my 45th Billy Joel concert. Last time I saw him in concert was the Last Play At Shea w/Paul McCartney. I sat 2nd row with my cousin, my friend and his girlfriend. I have a huge chunk of Shea's outfield grass from that night. Looking to grab a piece of Wrigley too. This time I am taking someone very special to me. Our 1st Billy concert together. Hopefully not our last if she can put up with me.

Here is a video of Bennie and the Jets I found from their current tour. They do an unbelievable dueling pianos at the end of the song. If you weren't thinking of going to see them, don't pass up the opportunity.

Legendary Rangers Defenseman Brian Leetch Headlines Hall of Fame Class

I know it's late, been busy with work. Arguably the greatest American born hockey player, Brian Leetch was elected into the Hockey Hall of Fame this past week. Leetch was one of my favorite players growing up. It was a sad day when he was traded to Toronto. I'll admit my eyes watered up and I got goosebumps watching his jersey ceremony. Congratulations Brian, you deserve the 1st ballot election.

Legendary Rangers Defenseman Brian Leetch Headlines Hall of Fame Class

BY Michael Obernauer
DAILY NEWS SPORTS WRITER

Tuesday, June 23rd 2009

6:38 PM New York Daily News

The greatest player the Rangers have ever produced will take his rightful place among the greats of the game.

In an announcement that has been scheduled ever since Brian Leetch hung up his skates three years ago, the Hockey Hall of Fame officially elected the legendary Ranger defenseman to its formidable Class of 2009. Leetch will join Steve Yzerman, Brett Hull and Luc Robitaille at the induction ceremony on Nov.9 in Toronto.

The 18-member selection committee also tabbed Lou Lamoriello for induction in the builders' category, which the Devils president called "a complete surprise" - the only one of the day, in fact.

"A pretty overwhelming day, to say the least. I'm certainly humbled, excited, proud," Leetch said on a conference call, later adding that he was perhaps relieved above all. "And congratulations to the rest of the guys (elected) today. Just an amazing thing."

Leetch, the Rangers' top pick in the 1986 draft, joined the team in 1988 after stints with Boston College and the U.S. Olympic team, and won the Calder Trophy as the top rookie the following season. He played 17 seasons in a Blueshirt, covering 1,129 games - nine fewer than Harry Howell's team record - scoring 240 goals and 981 points (second on the team list to Rod Gilbert) while establishing himself as one of the best two-way defensemen in history.

Leetch won Norris Trophies in 1992 and '97, and cemented his place in Ranger lore by taking home the Conn Smythe Trophy as the 1994 playoff MVP when the Blueshirts broke their 54-year Stanley Cup drought.

Leetch, 41, was driving in his car yesterday afternoon when a call came into his cell phone from a number with a Toronto area code - meaning good news was on its way from Hall chairman Bill Hay. "I pulled my car over, took the call from Bill, and then sat there for another 15 minutes or so," Leetch said. "It was a sigh of relief."

That's a stark contrast from the call Leetch received on March 3, 2004, when Glen Sather's number on his caller ID made Leetch's stomach drop. The Rangers president/GM was calling that day to inform his best player that he had been traded to Toronto - a deal that devastated Leetch.

Leetch's next trip to the Garden came in 2006 in a Boston Bruins sweater; he returned again on Jan. 24, 2008, to watch his No.2 ascend to the rafters.

While Yzerman (692 goals), Hull (741) and Robitaille (668) are connected by the Cup they won together in Detroit in 2002, Leetch, Hull and Lamoriello share a bond from their Team USA days, peaking with their victory over Canada in the 1996 World Cup final. Leetch - widely regarded as the best U.S.-born defenseman - also left an impression on Lamoriello during the Rangers' epic defeat of the Devils in the '94 semis.

"I wish I couldn't comment on that, but I will," joked Lamoriello, whose Devil teams have won three Stanley Cups. "He was the catalyst for that Ranger team. His play was just extremely exceptional. We couldn't contain him."

The '09 class stacks up as one of the best to enter the Hall, although it gets a challenge from the 2007 group led by Leetch's pal Mark Messier that included Scott Stevens, Al MacInnis and Ron Francis. None of yesterday's honorees cared to compare classes.

"It's just great to be going into the Hall of Fame and joining those guys," Leetch said.

Read more: http://www.nydailynews.com/sports/hockey/rangers/2009/06/23/2009-06-23_legendary_rangers_defenseman.html#ixzz0JmvFmBTJ&C

Home Owners and Renters Insurance

Types Of Coverages Available

Additional property coverage

Some insurance policies also provide additional property damage coverage when a loss occurs as the result of a covered peril.

Covered items include:

1. reasonable temporary repairs

2. necessary to protect the property against further damage

3. reasonable cost of removing damaged property and debris

4. expenses of removing property and storing it for up to thirty days

5.reimbursement for fire department service charges

6. reimbursement of up to $500 for loss of credit cards, check forgeries or acceptance in good faith of counterfeit money.

Most renters’ insurance policies do not have a property damage component. Some renter's insurance policies, however, do provide for loss or damage to the premises caused by the renter.

Home Owners and Renters Insurance

What Does Property Damage Cover?

The property damage portion of a homeowner's policy covers loss or damage to the home and other structures on the property. In the event of a total loss, the amount paid depends upon the dwelling policy limit of the insurance contract as well as the type of coverage provided under the contract.

On some policies, other structures (such as detached garages, tool sheds, fences, guesthouses, and gazebos) are typically covered at the rate of 10% of the limit set for the dwelling itself. For example, an insurance contract that provides $100,000 coverage for a dwelling typically will provide up to $10,000 coverage for other structures. Trees, shrubbery and other landscape are typically covered for 5% of the dwelling limit.

Know your policy, talk to your insurance agent, they are your friend.

How to Live by the Numbers: Health

The Frequent Walker Program

—Brendan I. Koerner

WIRED MAGAZINE: 17.07

Unless popcorn shrimp is on offer, many Americans are loath to walk any more than necessary. That chronic sloth is a drag for employers, whose health care costs can swell in tandem with their workers' waistlines. Now Virgin impresario Richard Branson thinks he can save businesses a bundle with a program that turns personal fitness into a game, complete with reams of stats to obsess over. When companies sign up with Virgin HealthMiles, their employees rack up rewards for staying active: The more you walk, the closer you get to earning HealthCash, which can be redeemed for real cash or gift cards from Amazon.com, Target, and (curiously) Omaha Steaks.

Participants are issued pedometers and challenged to take 7,000 steps a day. That's about 3.5 miles—40 percent more than the average deskbound adult's daily distance. Hitting that goal in a day garners 20 HealthMiles, the program's equivalent of frequent flier points. Bonuses are available for simply logging in to the HealthMiles Web site (10 miles), taking a no-smoking pledge (500 miles), or updating your blood pressure, weight, and body fat at a HealthMiles kiosk (200 miles).

I gave it a go and found that once my routine perambulation was assigned a numerical value—and valuable gifts were on the line—I began dedicating inordinate effort to meet that 7,000-step target. At first, I was aghast to learn that despite my 25-minute trudge to the office, I averaged only 6,600 steps per day. The problem? I'm tall, and my legs are longer than average. So I shortened my stride.

Alas, I'm still nowhere near reaching HealthMiles' vaunted Level Five, which pays $500 in HealthCash. Employers that offer the program pick up that tab, but it could be a worthwhile investment: Virgin CEO Christopher Boyce claims that corporate clients can cut $2,500 off the annual cost of health care provided to each participant. Imagine how much more they'll save if Virgin ever develops a pedometer capable of stopping people from walking into a Dunkin' Donuts.

Happy Father's Day

Happy Father's Day to all the fathers out there from Advanced Restoration Corp.

Face Gets Shutout, Then Shuts Game Off

This is a personal post. It has nothing to do with my job at all. Nothing to do with Advanced Restoration, water damage, mold remediation, the insurance industry, insurance agents, fire damage, disasters, disaster planning, or any kind of property damage.

I like to play video games in my spare time. I feel comfortable saying that knowing I am not in the minority. I am 33 years of age and I am the average age of a video game player. Video games are not for just kids anymore. The video game industry is a multi-billion dollar industry. And it continues to grow every month. It was even put into the Patriot Act that the government can listen into the conversations on XBox Live without a warrant for fear of terrorists using the platform to organize and plan attacks against us. It is a cheap way to communicate all over the world. For the price of an XBox360, a broadband connection, and a recurring $50 yearly charge, you can talk to people all over the world as long as you and the person you are trying to connect to are signed in to XBox Live. And you can have up to 8 people in your "party." When I was in Rhode Island, this was my saving grace. Because I could still sign in and hangout with my brother and friends on Long Island when I wanted.



I usually play video games with a core group of guys that all went to High School with me. I know this might sound funny to the non-gamers but the competition can get, whats the nicest way I can put this.......heated. A lot of yelling and screaming at each other. Some cursing I wont lie. Arguments between friends can carry over for a few days. It can even carry over to the golf course. And the bragging rights are really what it is for. So you can talk trash to each other.



And this is the ultimate trash talk. For everyone to see. So on that note, me and my buddy Face, we don't call him Face because of the A-Team just a nickname given to him high school, have been playing this hockey game. We are the only two out of our friends that play it because we beat everyone else. Very old school Nintendo style with the fat, medium, and skinny guys. Great game. But we have Mastered this game so much that the competition gets very, very heated. I'll give him credit, we played a best of seven of seven tournament. Which is we play a best 4 out 7 tournament and count that as one game in a best 4 tournaments out of 7 tournaments. And he won. Beat me 4 tournaments to 2.

But then things have changed. I have beaten him 14 straight at one point. The only thing we had to play for against each other is that neither one of us had shut the other person out. And that is the main reason why I posted this. We played a few weeks ago and we were having connection problems. The service kept booting us in the middle of the games. The last game we played that night, I was winning 8-0. Never got that close to shutting him out. I scored my 9th goal, and the game crashed. Thankfully I live alone so nobody could hear me scream. He swore he didn't do it and it was the game. I knew he did. And I was pissed. It took us about a week before we really talked. He kept saying he didn't shut the game off and it was XBox Live. So I let it pass.

I got home from work last night about 7pm. Wasn't planing on going out as I had to be in my office early this morning. Face and I were going to play a game of hockey and then play Tiger Woods Golf on Bethpage Black. I called it before the hockey game that I had figured him out and he was going to get shutout this game. Again, I had him 8-0. And just as I scored my 9th goal, he shut the game off. I wasn't pissed this time. I laughed. Now I know, I shut him out............

Twice!!!!

So I took a picture of the final games stats for all to see. Face quit. Face got Shutout. Twice. Look at the Hits. 50-16. Ouch.

Green Tip Of the Day

Green Tip of the Day - Improve Indoor Air Quality

Advanced Restoration Corp.

Concerns about indoor air quality (IAQ) increased when energy conservation measures instituted in office buildings during the 1970s, minimized the introduction of outside air and contributed to the buildup of indoor air contaminants. IAQ generally refers to the quality of the air in an office environment. Other terms related to IAQ include indoor environmental quality (IEQ) and "sick building syndrome" (SBS).Complaints about IAQ range from simple complaints, such as the air smelling mold, to more complex, where the air quality causes illness and lost work time. It may not be easy to identify a single reason for IAQ complaints because of the number and variety of possible sources, causes, and varying individual sensitivities.

Improving the indoor air quality in your home can be simple.

Put green plants in your home. Studies suggest that for a 2000 square foot home, you will need as many as 15 plants to receive the optimal benefits. Aside from cheering up a room, house plants improve the indoor air quality in your home by absorbing toxic gases from your computer and electronic equipment. They also help maintain humidity.

Many houseplants are easy to maintain. Be sure to choose plants that will grow well in your home by considering how much direct sunlight and attention they will need. Get one for your office too!

* If you have a toddler in your home who enjoys unplanting your house plants, try hanging the plants out of reach.