Is the lease a ‘protected’ business lease? The law protects business leases on expiry of their term, unless the provisions are excluded in the lease. This is known as Security of Tenure.If the answer is yes, the following protective provisions apply: 1. You will have the right to stay in the business premises when the lease ends; 2. On expiry of the lease, the tenancy will continue on the same terms, it is not necessary to request a renewal; 3. The lease can be terminated only in certain circumstances and notice of termination must be served in a prescribed form; 4. Where the landlord serves a notice to terminate the lease, you have the right to apply to court for a new lease and the landlord can only oppose on certain limited grounds; 5. The landlord may serve notice to terminate the current lease so that a new lease can be granted on different grounds. The new terms can then be negotiated and agreed between you. Notice of termination does not necessarily mean that you must leave the premises; 6. On expiry of your lease, you can request a new lease and put forward proposed new terms; 7. You must agree terms before certain time limits expire or you may lose out on the ability to apply to court; 8. You may be entitled to compensation if you are not granted a new lease. If the answer is no, protective provisions are excluded from the lease, and: 1. You will not have the right to remain in the premises when the lease ends and the landlord can change the locks; 2. Unless the landlord offers you another lease, you will have to find alternative premises; 3. You will be unable to claim compensation for the loss of your business premises. When your lease approaches expiry it is always sensible to consider whether your current lease is the most suitable for your business in terms of location, rent and other lease terms. – Courtesy of Rickerbys Solictors, which has teamed up with the NAMB to offer a new service for members. Details will be sent to members directly.
Sarah Olson | The Observer Professor Julia Faisst, who is serving as the 2018 Max Kade distinguished professor, lectures on the significance of homes for recent college graduates and those who have lost their homes.To explore this concept, Faisst examined Damon Casarez’s collection of photographs entitled “Boomerang Kids,” which presents images of college graduates living with their parents. Faisst described living at home after college as an emerging “new and permanent life stage” and reality for middle-class millennials. “Casarez depicts those who returned to a home that is no longer their own home in a radically-different confusing post-industrial economy,” Faisst said. “An economy that puts a new twist on old notions of class belongings, as well as the traditional notion of homelessness.”Faisst noted the difference between inside and outside presented in the images. In reference to one of Casarez’s pictures of a Minnesota resident looking out into her backyard, Faisst explained she is looking outward to a world where making money is difficult, and thus the subject’s thoughts turn inward. She also referred to class status of those depicted in the photos to illustrate her point.“They own fancy pieces of technology and attire, and yet are poor,” she said. “Homelessness now is to be found inside the home.”Faisst also considered examples of “Eviction photography,” particularly that of John Moore’s collection entitled “Evicted.”“Foreclosure photography has already defined an era that will mark American society for decades to come,” she said. Faisst discussed one of Moore’s photographs illustrating a man and his wife sitting on a bench following the foreclosure of their home. “[This] angered resident had been asked to remove his family possessions within the customary 24 hours so as to not have to pay exorbitant fees to store them,” Faisst said. When the resident asked Moore what he was doing on site, Faisst explained, Moore was allowed to stay after explaining his objective. “[He said he] was very sorry … and was taking photos to show what the entire country was going through. And he let [him] stay,” she said.At the conclusion of the talk, some of the audience members took issue with Faisst’s use of the term ‘homeless’ in her discussions.“This is a critique I run into quite a bit,” she said. “My attempt with this project is to open up the range and to employ those who never thought they’d be employed. … Having those people look at homelessness from another vantage point. Not as something that’s on the street, … but something that’s not even just on the doorstep, but on the inside as well.” Tags: Eviction, foreclosure, Homelessness Professor Julia Faisst, assistant professor of American Studies at Germany’s Catholic University of Eichstaett-Ingolstadt and the 2018 Max Kade Distinguished Visiting Professor at Notre Dame, delivered a lecture entitled “Nowhere Matters: The Unmaking Of The American Home”; an in-depth look at the concept of the home particularly for American college graduates and those displaced by evictions and foreclosures. “The threat of losing one’s home and becoming temporarily, or not, unhoused is no longer perceived as exclusive to the lower classes,” Faisst said. “But something that holds the middle class equally in its grip.”
View Comments It looks like the David Hyde Pierce-helmed It Shoulda Been You is Broadway-bound at last. The musical had been eyeing a Broadway run since fall 2012. According to a recent casting notice, rehearsals are set to begin on or around January 13, 2015, suggesting an early spring opening on the Great White Way. Many of the principal roles have already been cast, according to the breakdown. No official word yet on if that includes the show’s original star, Tony winner Tyne Daly.Featuring music by Barbra Anselmi and a book and lyrics by Brian Hargrove, the tuner follows a Jewish bride as she readies to marry her Catholic boyfriend. When the bride’s ex-boyfriend shows up, the perfect wedding starts to unravel, leaving the sister of the bride to turn a tangled mess into happily ever after. Noah Racey will choreograph.It Shoulda Been You premiered in 2011 at New Jersey’s George Street Playhouse. In addition to Daly, the cast included Tony winner Harriet Harris, Howard McGillin, Tom Deckman, Carla Duren, Jessica Hershberg, Edward Hibbert, Curtis Holbrook, Lisa Howard, Mylinda Hull, Matthew Hydzik, David Josefsberg and Richard Kline. Related Shows Star Files Show Closed This production ended its run on Aug. 9, 2015 David Hyde Pierce It Shoulda Been You
Not all corn is alike, and not all corn research is specific to Georgia farmers’ crops. The state’s corn growers vote in March on whether to keep the means for local grower-funded research. Photo: Keith Weller, USDA/ARS Georgia corn growers will vote in March on whether to reaffirm the Georgia Agricultural Commodity Commission for Corn for three more years.The Georgia Department of Agriculture sends out ballots to each corn grower in the state. Growers vote March 1-30.The commission manages checkoff funds used mainly for corn research in Georgia, said Dewey Lee, an Extension Service agronomist with the University of Georgia College of Agricultural and Environmental Sciences.Corn CheckoffThe corn checkoff was established in 1996. To support it, farmers pay 1 cent per bushel of corn sold. To be re-established, it must have a two-thirds majority vote.”If a grower hasn’t received a ballot by the end of the first week in March,” Lee said, “the grower should contact the Department of Agriculture or the local county Extension Service office.”Georgia grows only about 6 percent to 7 percent of the U.S. corn crop, Lee said. Because of this small amount, corn research is done mainly in the Midwest, the hub of U.S. production.But some things work for Midwest corn growers that don’t work for Georgia growers, Lee said, and vice versa. The only way to know what works and what doesn’t, in many cases, is through research.Corn is a major crop for many Georgia farmers, Lee said. And many corn-related issues are specific to Georgia.Corn ProblemsDrought still hovers over much of Georgia. Corn is particularly susceptible to drought and can be costly to grow during dry times.The U.S. Southeast is vulnerable to aflatoxin infection, too. A fungus that attacks the plant causes aflatoxin, which can be harmful if consumed. It’s not a big problem in the Midwest, but it’s a major marketing issue for Georgia growers. Nobody wants to buy corn infected with aflatoxin.To stay competitive while fighting drought and aflatoxin, Lee said, Georgia growers have to have alternative farming practices and hardier hybrids.Some corn research proposals have already been approved for 2002-2003. Scientists will study conservation practices and aflatoxin, breed and test hybrids adapted to Georgia and monitor irrigation and drought-related problems. Other educational programs and technical support for overall corn improvement will also be funded.Widely GrownCorn is more widely grown than any other crop in Georgia. Almost every county has some corn acreage. In 1997, the state’s farmers grew 500,000 acres, valued at $159.5 million. Growers averaged about 110 bushels per acre that year.In 2001, Georgia corn acreage decreased to about 220,000 acres. However, despite continued drought, farmers produced record yields — about 134 bushels per acre.Farmers will begin planting this season’s corn crop in March. Corn is a major crop for many Georgia farmers, Lee said, and many corn-related issues are specific to Georgia.Due to lagging prices for other farm commodities, Lee expects farmers to plant more of the crop this year.”Corn acreage could be up as much as 30 percent,” he said.
22SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Myriam DiGiovanni After writing for Credit Union Times and The Financial Brand, Myriam DiGiovanni covers financial literacy for FinancialFeed. She is also a storytelling expert and works with credit unions to help … Web: www.financialfeed.com Details With Apple’s announcement of three new iPhones, you may be tempted to get a new one.With the XS and XS Max starting at $999 and $1099 respectively, it might not make financial sense. Reviews so far have been favorable, but many experts have decided that the upgrades aren’t worth the price.Still, if you’re tired of your old iPhone and ready for a change, here are three ways to breathe new life into your old device.Upgrade to the newest operating system: The latest iOS 12 update was rolled out specifically to improve performance on older devices. According to Apple and MacWorld reviews, you can expect up to a 40% increase in performance when launching apps, a 70% increase when swiping to camera from the lock screen, and a 50% increase when launching the keyboard. The latest update is also touted as being “smarter” about speed bursts as a way to preserve battery life.Replace your battery:Since the news reports revealing Apple was slowing down older iPhones, the company lowered replacement battery costs to $29. With its last update, Apple also made checking your battery’s strength/performance easy. Just go to “Settings”, “Battery” and select “Battery Health.” If the battery health falls below 80%, it’s time to replace it. Just be sure to do it before year-end 2018. Apple announced the battery replacement prices will go up on Jan. 1, 2019.Trade-in or sell your old iPhone: If you must have a new iPhone, at least put the money you get from your old iPhone toward a new one. Try sites like Gazelle.com, Glyde.com or Swappa.com to get top dollar for your old iPhone. Or, trade it in at Target, Best Buy, Walmart, or Amazon where you’ll get your money in the form of a gift card or store credit. You may also want to check with your mobile carrier to find out what trade-in deals they are offering.
Congratulations, you’ve made the big decision to become a homeowner!Before you start looking at houses, here are a few key mortgage terms you need to understand before you look into financing the home of your dreams.Principal: This the original total amount borrowed from your lender, before interest.Interest: Interest is the cost of borrowing money. You repay the principal amount of the loan, plus interest.Interest rate: This is the rate you are charged for borrowing the principal. The percentage rate, whether high or low, depends a variety of factors that include your credit score, the size of your downpayment, the length of your loan and the current economy. Interest rate is very important because the higher your interest rate, the higher your monthly mortgage payment will be. Plus, a high interest rate means you’ll end up paying more over the lifetime of the loan.Private Mortgage Insurance: This extra fee is designed to protect your lender if you aren’t able to make your mortgage payment. Most lenders require PMI if you your down payment is less than 20% of the value of the home.Down Payment: You’ll probably be required to pay a certain percentage of your home’s total sale price upfront – this is called a down payment. In general, the larger the down payment, the lower your monthly payments. Traditionally, lenders have asked for a 20% down payment. So for a $350,000 house, you are looking at a 20% down payment of $70,000 upfront. Depending on your credit score and the economy, lenders may let you buy the home with as little as 5% down. However, if you don’t have enough saved to make a 20% down payment, you’ll need to pay PMI.Term: The term of your loan means how long your lender will give you to pay back your loan. Most mortgages have 30-year or 15-year terms. The longer the term, the lower the monthly payments, but you’ll pay more over the lifetime of the loan because of interest.Monthly payment:Your monthly payment will be the same every month, and it will include of a portion of the loan principal, interest, mortgage insurance (if you put less than 20% down) and a portion of your annual cost of property taxes and homeowners’ insurance – both are mandatory.Purchase points: Points are a fee paid to the lender up front as a way to lower your interest rate. Each “point” is equal to 1% of your mortgage principal and generally represents a .25% drop in your mortgage rate. So if you have a $300,000 mortgage with a 5.00% interest rate, you could pay an additional $3,000 up front and reduce your interest rate to 4.75%. Points can produce big savings down the road if you have the money saved up.Fees: There are many fees you’ll need to cover when you begin the mortgage process and at closing, when you finalize the loan. Specific amounts will vary based on the lender and other factors. It can feel overwhelming, but the good news is that lenders are required by law to provide a loan estimate and fee disclosure up front that breaks down all costs, fees and details regarding your mortgage. Here are a few fees that are typically part of your mortgage costs:Lender charges/origination fees: Including application fees, underwriting fees, processing fees, administrative fees and others.Third-party closing costs: These are charges for services you need to get your mortgage, like a home appraisal and title insurance.Taxes/Government fees: This is based on the real estate portion and related local government charges.Prepaid expenses and deposits: These costs are paid up front and held in an escrow account to cover things like your first homeowners insurance and property tax payments. 34SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Myriam DiGiovanni After writing for Credit Union Times and The Financial Brand, Myriam DiGiovanni covers financial literacy for FinancialFeed. She is also a storytelling expert and works with credit unions to help … Web: www.financialfeed.com Details
I’m more than offended by the liberal church and the number of priests who have preyed upon the vulnerable youths. How sick. How could God allow such an abuse to happen?Luckily for me, as an altar server, I wasn’t confronted.What bothers me is Pope John Paul II knew about the abuse and did nothing. What did the church do? They made him a saint. What hypocrisy. It’s still with us today with Pope Francis. Talk about mortal sin and the grave effects of it. How can they be the moral leaders of our faith?In my Catholic faith, I have a vertical relationship with God.The hierarchy of the church is corrupt all the way to the pope, but I still will be a believer in God and maintain my faith.Dominus vobiscum.Jerry BubniakNorthville Faith is in God, not the Catholic churchI grew up in a strict Roman Catholic home and attended St. Stanislaus School in Amsterdam.In that time frame, I was a faithful altar server from grades 3 through 8. I served so many Masses that even today, the Lord’s Prayer and the proper responsorial phrases are ingrained in my mind.As a teen, I jested with my parents why we went to Mass on Sunday. The response was immediate and non-negotiable. When I married, the same Catholic tenets of the church were instilled in our six children, who have since moved on. I find myself as a Roman Catholic, but not in the same way I was raised. Since St. Clare’s was basically forced out of business by “competing” hospitals, there should have been forethought that the remaining hospitals pick up the pension fund and administer the program for those displaced by the closing.Going forward, the remaining hospitals, in particular Ellis, should pick up responsibility to continue to administer and fund the program, as was promised to the St. Clare’s retirees.Those in the Schenectady area healthcare industry should have a moral obligation to keep St. Clare’s pensioners whole and secure. Lou deAraujoFort Plain Trump stands up for American peopleI’d like to let all you Democrats know Donald Trump won the election fair and square. Mrs. Clinton cost herself the presidency because she was so corrupt and greedy. After two-plus years of a fake orchestrated investigation, even a stacked posse could not pin anything on Trump. Bernie Sanders has the gall to complain about the top 1 percent of wage earners. Yet Bernie, due to the release of his tax returns, has revealed that he is part of the 1 percent.Should Bernie now be considered a greedy capitalist that has preyed on the American people? Of course not.Thankfully in America, Bernie Sanders has had the opportunity to write books and allow citizens of this country to obtain the wherewithal to buy his books from which Sanders derived much of his income.Although Sanders released his tax returns and President Trump has not, I’m comfortable with supporting President Trump because if Trump does release his tax returns, it would be inevitable that the Democrats would launch a needless investigation into Trump’s finances that would bog down our government like they did with attempting to tie Trump’s election victory to Russian collusion.By earning over a half a million dollars last year, Bernie Sanders should refrain from calling the kettle black and perhaps embrace the great capitalistic nature of our society, which promotes ingenuity and affords people the most effective way out of poverty. Mark BrockbankRotterdam Sanders should now celebrate capitalism Green energy will be helpful to economy In Robert Dufresne’s April 16 letter, he claims that The “Green New Deal” to replace fossil fuels and nuclear power with “green energy” is irrational and impossible. He also says “Going green” only works if your “bright idea” is to destroy our economy and capitalism. Categories: Letters to the Editor, OpinionDiocese, Ellis must support pensionersThank you, Bernard Burns, for your April 14 letter, placing the St. Clare’s pension issues where the burden lies, with Ellis Hospital and the Albany Catholic Diocese. If The Gazette wants its readers to have compassion, please provide some figures as to what these pensioners receive as for their total retirement package, when they retired.What percent was earned per year, how many years did it take to become vested, was healthcare coverage provided, does the pension include survivor benefits for spouses or dependent children, were employees allowed to retire early due to the consolidation? More specifics would be nice to know for the readers of your paper, since this issue has been rightfully taking up space in your newspaper. The Schenectady Police Department deserves kudos.On April 17, I arrived at Howe Elementary School and was greeted by an orderly group of excited children, led by teachers and police, to a squad car.I soon learned that this event had been coordinated with the school and the police department as a way to introduce the children to the responsibilities the police have in protecting and serving its citizens.Doors were opened on the police vehicles for the children to see and feel the interior. Some of the children held back initially, but were soon lost in the enthusiasm of their classmates.The officers visited the classrooms and answered the myriad questions the children had for them. The role of the police dog was talked about and there were even some police dogs on hand for the children to see. High praise for the police department and its officers for developing a positive relationship with the children of Schenectady.Constance ClarkeSchenectady In my opinion, this idea that “going green” will ruin the economy and capitalism doesn’t make a whole lot of sense.First off, the price for renewable energy such as wind and solar is now cheaper than coal for the first time ever. Individuals, businesses and governments are choosing to “go green,” whether it’s for environmental reasons or to save money. A question I have is how can a growing industry which is surpassing the fossil fuel industry in terms of job growth destroy our economy?Simple answer: It can’t. The evidence is in West Virginia, where the state and federal government are trying to bring coal jobs back, but the only thing that it is doing is giving hope to coal miners when the industry is dying. Are those promises just for votes? Coal miners are hardworking people that deserve better. So why can’t we provide renewable energy training where there are more opportunities? The United States was a country of many firsts, a country of leadership in innovation and technology. But are we still that way?The “bright idea” to keep using old ideas of creating energy, not repairing a crumbling infrastructure, or ignoring the need to modernize an outdated grid will be the one to destroy our economy and capitalism. Jacob ReedAmsterdam Kudos for outreach by Schenectady PD Since Trump won the election, a great percentage of the stories written about him have been negative. Obama enjoyed a fawning press that did nothing but support him. Trump calls out a corrupt press for lying about him. I would too.Under Trump, jobs that Obama said were never coming back are coming back. The GDP has averaged double what Obama gave us, after telling us that 1.5 percent growth is the new normal. You liberals always criticize Trump for going after our allies. There are 29 members in NATO. The US pays 22 percent.Even you publicly educated Democrats can see that is wrong. Trump is pushing them to pay more. He’s thinking of the taxpayers over our allies. Good.I don’t like some of the language our president uses, but he’s looking out for us first. He hasn’t divided us by race, age or sexual orientation. He has tried to raise everyone’s position.One more thing, for Mr. Nevin in his March 27 letter: He mentions Trump’s comment about having the support of the military, et al. Don’t forget that the failure Obama said if they bring a knife to the fight, we bring a gun.Give up. He’s going to be president for six more years.Dave EdwardsHalfmoonMore from The Daily Gazette:EDITORIAL: Thruway tax unfair to working motoristsEDITORIAL: Find a way to get family members into nursing homesGov. Andrew Cuomo’s press conference for Sunday, Oct. 18Foss: Should main downtown branch of the Schenectady County Public Library reopen?EDITORIAL: Beware of voter intimidation
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Metro Sport ReporterFriday 15 Nov 2019 11:16 amShare this article via facebookShare this article via twitterShare this article via messengerShare this with Share this article via emailShare this article via flipboardCopy link2.3kShares Advertisement Henrikh Mkhitaryan scored on his Roma debut before suffering a muscle injury which has ruled him out for six week (Picture: Getty)‘It’s why I couldn’t contribute as many goals or assists.‘I like to play more freely and move wherever there’s space, but you have to do the job that the manager asks.’More: Arsenal FCArsenal flop Denis Suarez delivers verdict on Thomas Partey and Lucas Torreira movesThomas Partey debut? Ian Wright picks his Arsenal starting XI vs Manchester CityArsene Wenger explains why Mikel Arteta is ‘lucky’ to be managing ArsenalMkhitaryan made a promising start to his Roma career, scoring on his debut against Sassuolo but suffered a significant injury in just his fourth match for the Serie A club.The 30-year-old tore his abductor muscle and hasn’t featured since September 29.Who was a bigger flop?Alexis at Man Utd0%Mkhitaryan at Arsenal0%Share your resultsShare your resultsTweet your resultsMORE: Lucas Torreira could leave Arsenal in January as Napoli set for key talks with Raul SanllehiMORE: Barcelona ‘upset’ after failing to sign Arsenal striker Gabriel Martinelli Advertisement Comment Henrikh Mkhitaryan takes major swipe at Unai Emery and accuses Arsenal boss of wasting him Henrikh Mkhitaryan has relaunched his career on loan at Roma from Arsenal (Picture: Getty)Henrikh Mkhitaryan has accused Unai Emery of wasting his talent and effectively ending his Arsenal career.The Armenia international joined the Gunners from Manchester United in January 2018 following what was effectively a swap deal which saw Alexis Sanchez move in the opposite direction.Upon joining Arsenal, Mkhitaryan admitted he was relieved to playing under a manager who was committed to playing attacking football having felt inhibited by Jose Mourinho during an unhappy period at Old Trafford.The former Borussia Dortmund playmaker initially thrived under Wenger but ran into familiar difficulties last season under the Frenchman’s successor and was loaned out to Roma at the start of the season.AdvertisementAdvertisementADVERTISEMENT‘He paid more attention to tactics, so my role changed,’ Mkhitaryan told FourFourTwo. ‘I was starting as a winger, but had to build play with the defensive midfielder.