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Thread: Advice needed for preparing for a hurricane

  1. #91
    Senior Robin Hood Guy Ian Gills's Avatar
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    Thanks Bob. That's exactly what I am doing!

    It's going to be a long night.

    There is a lot of persistent (hours) medium-heavy rain with this sucker. We're now under a flash flood warning until 11.30pm.

    I am in stage 2 of a 4 stage defence.

    Stage 1: basement stairwell drain illegally plumbed to sewer (in the 1950s when it was legal) is working quite hard.

    Stage 2: sump pit is filling every 5 minutes and is being pumped by Zoeller on electric power. Unlike an American car, it started first time.

    If we reach stage 3 and lose power, I'll be on the batteries and the 507 (I hope I'll get at least 10 hours but who knows?)

    Stage 4: If the batteries go, empty the sump pit by hand.

    If a tree falls on the house, all bets are off.

    Bury the lines.
    Last edited by Ian Gills; 08-27-2011 at 02:42 PM.

  2. #92
    DIY Senior Member BobL43's Avatar
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    Quote Originally Posted by ian gills View Post
    thanks bob. That's exactly what i am doing!

    It's going to be a long night.

    There is a lot of persistent (hours) medium-heavy rain with this sucker. We're now under a flash flood warning until 11.30pm.

    I am in stage 2 of a 4 stage defence.

    Stage 1: Basement stairwell drain illegally plumbed to sewer (in the 1950s when it was legal) is working quite hard.

    Stage 2: Sump pit is filling every 5 minutes and is being pumped by zoeller on electric power. Unlike an american car, it started first time.

    If we reach stage 3 and lose power, i'll be on the batteries and the 507 (i hope i'll get at least 10 hours but who knows?)

    stage 4: If the batteries go, empty the sump pit by hand.

    If a tree falls on the house, all bets are off.

    Bury the lines.
    lol lol lol
    I am definitely not a pro plumber, but I am a pro crastinator

  3. #93
    Senior Robin Hood Guy Ian Gills's Avatar
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    It's coming your way Bob.

  4. #94

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    Been working... son will be leaving soon to Georgia, downtown Atlanta, anybody hear anything in that vicinity?

  5. #95
    Senior Robin Hood Guy Ian Gills's Avatar
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    It should be long past there.

    We're in the worst of it now until 3am.

    There are lots of bands of rain. Some of them heavy. The wind is up.

    Power is still on. But my small sump pit is filling every 2 minutes.

  6. #96
    DIY Senior Member BobL43's Avatar
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    Quote Originally Posted by Ian Gills View Post
    It should be long past there.

    We're in the worst of it now until 3am.

    There are lots of bands of rain. Some of them heavy. The wind is up.


    Power is still on. But my small sump pit is filling every 2 minutes.
    how hi IS the water mama?
    I am definitely not a pro plumber, but I am a pro crastinator

  7. #97

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    Well, the winds aren't good here. He has to drive through PA here, I'm not far from NY. He will connect onto, Interstate 75, and go to Atlanta. What a time to start a new job. He is a great kid, I don't know why I am so lucky to have someone like my kids. He said, mom I will call you every couple hours, and I said, i will be awake, and he said, " i know you will be." It doesn't matter how old or how big your kids get, they are still your babies. I still meticiously packed him stuff, like he was going to camp. He even said that. I was outside at midnight checking under the hood of a the car, like... I knew... what I was looking for. I filled up the wiper stuff, checked the oil yesterday, checked the tires yesterday, had the brakes checked yesterday, the mechanics are good, they put up with me, lol. They know, when I bring that car in, my kid is going somewhere. For if it was me, I could care less. I really like being a mom.

  8. #98
    DIYer, not in the trades LLigetfa's Avatar
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    Quote Originally Posted by BobL43 View Post
    I mentioned in another post that I pay about 8K a year in real Estate Taxes...
    You must live in a frigging palace. My taxes are less than $2K.

  9. #99

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    Actually, here the general real estate tax, or (ad valorem tax), is made up of the taxes levied on real estate by various govn bodies and municipalities. These taxes are known as ad valorem it is Latin for "according to value" taxes because the amount is based on the value of the property being taxed. General real estate taxes are levied for the general operation of the govn body or agency authorized to levy the tax. These taxing bodies include:

    counties, cities, boroughs and townships
    school districts or boards
    drainage, water and sanitary districts, and
    municipal authorites operating parks, forest preserves and recreational districts.

    Historically, real estate taxes have been the principal source of revenue for local govn in most states, including mine. Real estate taxes are one of those certainties in life that property owners just cannot escape. Ian, rising costs of govn coupled with increasing costs to operate and maintain real estate , however, have raised debate over the fairness of real estate taxes. Homeowners argue, that the ownership of a basic necessity does not connote affluenece or wealth. Furthermore, real estate tax bills are not tied to the owner's income or ability to pay. This is especially problematic for people living on fixed incomes. Property owners also often argue that they are paying for services such as public schools, they do not personally use, which is something to which I do agree to.

    Some states, such as mine, legislature has attempted to alleviate the dependence on real estate tax by permitting local govn bodies to collect sales or income tax in lieu of real estate tax. However, few taxing bodies have embraced these alternatives. Recently, legislators made yet another attempt at tax reform when they passed Act 72 in 2004, which some of you might remember; the slot-machine gambling legislation. This would funnel money generated from the newly legalized gambling to local school districts. They, in turn, would reduce property tax bills to homeowners. The Act also requires school districts to increase local income taxes and to place on ballot for voter approval certain proposed property tax increases.

    Now, here there are certain exemptions from taxation in most states. Common exemptions are granted for property owned by

    city, state and federal govn
    munipal authorities
    education institutions
    hospitals
    religious institutions and
    public charities

    As simple as this sounds, it is not, the laws as usual are fairly complex. I actually know someone who tried to be exempted by stating their home was actually, a religious institution because they prayed at meal time. Some states will allow special exemptions to reduce real estate tax bills for certain property owners or land users. For instance, senior citizens, ( yes Ian the elderly) are granted reductions or limited increases in assessed values on their homes, known as Homestead Exemptions. These exemptions are especially important for longtime residents in neighborhoods where significant increases in property values would otherwise make the taxes unaffordable. Other temporary reductions in real estate taxes are frequently used to attract industries, stimulate economic growth and development, or encourage rehab of properties.

    The assessment, or assessed value, is the official value of real estate that is used for tax purposes. Real estate is valued, or assessed, for tax purposes by county assessors, evalutors, or appraisers. This is what I do. Assessments are normally a percentage of the property's fair market value. Depending on the type of property and the taxing jurisdiction within which it is located, one value may be assigned to the total property or separate values may be assigned to the land and the building.

    A property owner who feels that the county made an error in determining the assessed value of the property may appeal the assessment. In some jurisidictions, when it is necessary to correct general inequalities in statewide tax assessments, an equalization factor is used to achieve uniformity. This factor may be applied to raise or lower assessments in a particular county. The assessed value of each property in the area is mutliplied by the equalization factor; the tax rate is then applied to the equalized assessment. For instance, if the assessments in one county are determined to be 20 percent lower than the average assessments throughout the rest of the state, the underassessment can be corrected by applying an equalization factor of 120 percent to each assessment in that county. A parcel of real estate assessed at 98,000, for example, would be taxed on an eqalized value of 117,600 (98,000x1.20=$117,600)

    The process of determing a real estate tax rate begins with the adoption of a budget by each taxing body. The next step is appropriation. This is the way a taxing body authorizies the expenditure and the acquisition of funding. The tax rate may be expressed in mills. A mill is 1/1,000 of a dollar, or $0.001.

    A property owner's tax bill is computed by applying the tax rate to the assessed valuation of the property. For example, on a property assessed for tax purposes at 90,000 in a taxing district with a tax rate of 30 mills, the tax bill would be $2,700,($90,000x0.03=$2,700).

    The bottom line is, in desiring to pay lower property taxes is to find the district with a lower millage; which is why my property taxes are low. I pay 1,200 a year.

    Bob, you could appeal.
    Last edited by Cookie; 08-28-2011 at 12:26 AM.

  10. #100

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    Son is now in NC, 8 hours later, and he said, the weather isn't too bad right now.
    Hoping he is telling the truth and not just trying to not make me worry.

    Ian, Bob, hope all is well and you got power.

  11. #101
    DIY Senior Member BobL43's Avatar
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    Quote Originally Posted by Cookie View Post
    Actually, here the general real estate tax, or (ad valorem tax), is made up of the taxes levied on real estate by various govn bodies and municipalities. These taxes are known as ad valorem it is Latin for "according to value" taxes because the amount is based on the value of the property being taxed. General real estate taxes are levied for the general operation of the govn body or agency authorized to levy the tax. These taxing bodies include:

    counties, cities, boroughs and townships
    school districts or boards
    drainage, water and sanitary districts, and
    municipal authorites operating parks, forest preserves and recreational districts.

    Historically, real estate taxes have been the principal source of revenue for local govn in most states, including mine. Real estate taxes are one of those certainties in life that property owners just cannot escape. Ian, rising costs of govn coupled with increasing costs to operate and maintain real estate , however, have raised debate over the fairness of real estate taxes. Homeowners argue, that the ownership of a basic necessity does not connote affluenece or wealth. Furthermore, real estate tax bills are not tied to the owner's income or ability to pay. This is especially problematic for people living on fixed incomes. Property owners also often argue that they are paying for services such as public schools, they do not personally use, which is something to which I do agree to.

    Some states, such as mine, legislature has attempted to alleviate the dependence on real estate tax by permitting local govn bodies to collect sales or income tax in lieu of real estate tax. However, few taxing bodies have embraced these alternatives. Recently, legislators made yet another attempt at tax reform when they passed Act 72 in 2004, which some of you might remember; the slot-machine gambling legislation. This would funnel money generated from the newly legalized gambling to local school districts. They, in turn, would reduce property tax bills to homeowners. The Act also requires school districts to increase local income taxes and to place on ballot for voter approval certain proposed property tax increases.

    Now, here there are certain exemptions from taxation in most states. Common exemptions are granted for property owned by

    city, state and federal govn
    munipal authorities
    education institutions
    hospitals
    religious institutions and
    public charities

    As simple as this sounds, it is not, the laws as usual are fairly complex. I actually know someone who tried to be exempted by stating their home was actually, a religious institution because they prayed at meal time. Some states will allow special exemptions to reduce real estate tax bills for certain property owners or land users. For instance, senior citizens, ( yes Ian the elderly) are granted reductions or limited increases in assessed values on their homes, known as Homestead Exemptions. These exemptions are especially important for longtime residents in neighborhoods where significant increases in property values would otherwise make the taxes unaffordable. Other temporary reductions in real estate taxes are frequently used to attract industries, stimulate economic growth and development, or encourage rehab of properties.

    The assessment, or assessed value, is the official value of real estate that is used for tax purposes. Real estate is valued, or assessed, for tax purposes by county assessors, evalutors, or appraisers. This is what I do. Assessments are normally a percentage of the property's fair market value. Depending on the type of property and the taxing jurisdiction within which it is located, one value may be assigned to the total property or separate values may be assigned to the land and the building.

    A property owner who feels that the county made an error in determining the assessed value of the property may appeal the assessment. In some jurisidictions, when it is necessary to correct general inequalities in statewide tax assessments, an equalization factor is used to achieve uniformity. This factor may be applied to raise or lower assessments in a particular county. The assessed value of each property in the area is mutliplied by the equalization factor; the tax rate is then applied to the equalized assessment. For instance, if the assessments in one county are determined to be 20 percent lower than the average assessments throughout the rest of the state, the underassessment can be corrected by applying an equalization factor of 120 percent to each assessment in that county. A parcel of real estate assessed at 98,000, for example, would be taxed on an eqalized value of 117,600 (98,000x1.20=$117,600)

    The process of determing a real estate tax rate begins with the adoption of a budget by each taxing body. The next step is appropriation. This is the way a taxing body authorizies the expenditure and the acquisition of funding. The tax rate may be expressed in mills. A mill is 1/1,000 of a dollar, or $0.001.

    A property owner's tax bill is computed by applying the tax rate to the assessed valuation of the property. For example, on a property assessed for tax purposes at 90,000 in a taxing district with a tax rate of 30 mills, the tax bill would be $2,700,($90,000x0.03=$2,700).

    The bottom line is, in desiring to pay lower property taxes is to find the district with a lower millage; which is why my property taxes are low. I pay 1,200 a year.

    Bob, you could appeal.
    Cookie, I've been in this house since 1971. Back then the taxes were 900 bucks and went up quickly to 1100. Over the years, they just kept climbing, like all of Long Island taxes did. I've been through many grievances, got several reductions, been through small claims court to get some of them. It's just a fact of ife here. What does suck though is guys like Ian suggestiong I pay higher taxes to help the poor. the guy must be delusional.
    I only have a one story ranch 3 BR, 2-1/2 baths on 1/3rd acre in a working class neighborhood, no castle or Taj Mahal here. Most of my friends living on Long Island pay the same as I do or more. One pays $15K for a colonial on 1/2 acre. Our taxes ARE based on property values that are very wierd too, because the last tax bill shows my assessesd value is about 39K, although the average selling price here is closer to 300K. Used to be closer to 500K several years ago, but you know how that went.
    I am definitely not a pro plumber, but I am a pro crastinator

  12. #102
    DIY Senior Member BobL43's Avatar
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    Quote Originally Posted by Ian Gills View Post
    It should be long past there.

    We're in the worst of it now until 3am.

    There are lots of bands of rain. Some of them heavy. The wind is up.Power is still on. But my small sump pit is filling every 2 minutes.
    Lots of heavy rain here and strong winds, but the eye won't be here for a few more hours at 10 am. Several tornado watches have been posted in area. Over 250,000 have lost power here in burbs, so lots of BBQ's will be busy when its all over. YeeHa!

    Anyway, at the moment, its a strong Tropical Storm here just under category 1 hurricane, which is much better than was predicted. Tons of rain. West Nile Mosquitos have been a big concern here this summer. SWATT!
    I am definitely not a pro plumber, but I am a pro crastinator

  13. #103
    Senior Robin Hood Guy Ian Gills's Avatar
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    The more you pay in property tax Bob, the less you pay elsewhere.

    You know the way this country works. Income tax is low, but they get you on the property taxes. All in all you probably pay the same in taxes here as other "more socialist" countries, but don't get the services. In England, you'd pay the same but get national health care, for example.

    Well, in the fight of the hurricane versus my Zoeller, the Zoeller won.

    We didn't need to go to Stage 3. Today, I'll be cleaning the backyard. There's lots of American growth that has fallen from trees on it.

    Yuck!
    Last edited by Ian Gills; 08-28-2011 at 04:24 AM.

  14. #104
    DIY Senior Member BobL43's Avatar
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    Quote Originally Posted by Ian Gills View Post
    The more you pay in property tax Bob, the less you pay elsewhere.

    You know the way this country works. Income tax is low, but they get you on the property taxes. All in all you probably pay the same in taxes here as other "more socialist" countries, but don't get the services. In England, you'd pay the same but get national health care, for example.

    Well, in the fight of the hurricane versus my Zoeller, the Zoeller won.
    So being that I pay so much in property taxes, all else should be free.

    A guy went with a truck to a potato farm to buy some potatos. He asked the farmer how much they cost. Farmer said "the more you buy, they cheaper they get". guy says to keep filling his truck til they are free
    I am definitely not a pro plumber, but I am a pro crastinator

  15. #105
    DIY Senior Member BobL43's Avatar
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    Quote Originally Posted by Ian Gills View Post
    Stage 4: If the batteries go, empty the sump pit by hand.

    If a tree falls on the house, all bets are off.

    Bury the lines.
    Ian, all of NYC Manhattan's power lines are underground. The NY Harbor is starting now to breach the seawall and flowing into the streets at the Battery. Con Ed is announcing they probably are going to shut down power in lower Manhattan, so burying all the power is not the answer at all. Many transformers are underground to provide power to the buildings in the city. Some buildings have their own transformers, but water and electricity do not mix well.
    I am definitely not a pro plumber, but I am a pro crastinator

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