Posts Tagged ‘Employment’

Why the Florida Real Estate Market Might Face a Total Collapse

November 12th, 2022

Most of us,Guest Posting don’t want to talk about Florida homeowners insurance. Even though the Florida home insurance market is still in a state of chaos, we would rather just pay our bill for this year and not think about it again until next year.

So it’s no wonder that when a story ran in the Florida media earlier this year about two key financial rating agencies (A.M. Best and Demotech) threatening to downgrade the ratings of dozens of Florida homeowners insurance companies unless something was done about the Florida Hurricane Catastrophe Fund shortfall, no one paid any attention.

If these rating agencies follow through on their threat to downgrade Florida home insurance company ratings, the impact would be disastrous for all homeowners in the state.

Let’s take a look at how this potentially dangerous situation was created.

The Florida Hurricane Catastrophe Fund (Cat Fund) charges all Florida home insurance companies a premium for reinsurance – which is insurance for insurance companies. It is merely a way to permit insurance companies to be paid back by the Cat Fund, once Florida hurricane claim losses exceed certain levels.

To address rapidly rising Florida homeowners insurance costs, the Florida Legislature passed laws in 2007 that increased the obligations of the Cat Fund by an additional $12 billion over previous levels. That move made the Cat Fund directly responsible for up to $28 billion in losses and led to some modest reductions in Florida home insurance rates.

How To Buy Patio Furniture

October 6th, 2022

A patio is not complete without any furniture. You will need chairs, tables, hammocks, plants, swings, recliners and benches among others to make a lovely patio. However, buying patio furniture can be a difficult task. You need to take many things like space, material, budget, comfort and durability into consideration. Since it will be placed outdoors, you need to make sure that all the pieces of patio furniture will stand the different elements. Here are some tips on buying furniture for your patios.

  • Buying patio furniture is similar to purchasing any indoor furniture. First, determine the available space. This will dictate the size you need to buy. Make sure to measure your patio space. It also helps if you have a design plan so you know where to place the furniture in order to match your environment.
  • Decide on the purpose of the furniture like for dining or hanging out. You need different furniture for reading and another set for eating or picnics.
  • Consider the weather. Furniture have varying reactions to the elements like rain, wind and snow. It is vital to choose furniture depending on the kind of weather you have. Wood furniture can crack and splinter in hot weather while furniture made with wicker are not resistant to moisture. Furthermore, pieces of furniture that will be exposed to the elements are different from those under a porch.
  • Choose the furniture you want. There are many kinds of furniture for patios like chaise lounges, hammocks, umbrellas, benches, swings, chairs and tables to name a few. You can also choose materials based on the style you wish to convey. Wrought iron is often used in Victorian style patios, wood for rustic appeal, plastic is practical and wicker is romantic. Remember to carefully choose the materials for your furniture. Wood furniture like oak and cedar are traditional and durable while teak is resistant to all types of weather conditions and requires less maintenance. Others opt for steel or plastic for practical reasons.
  • Always check the warranties and care instructions when buying patio furniture. Opt for durable furniture with readily available materials in case of any damage. Make sure that the fabrics and cushions are treated with stain and water repellents. Lastly, have a storage space when winter comes. To save on storage space, choose fold-able tables and chairs or buy furniture that you can also use indoors during the winter.

The most important factor to consider when buying patio furniture is your budget. There are expensive pieces as well as budget friendly ones. When looking for furniture, you can look into various catalogs and online websites with outdoor furniture in all kinds, shapes and sizes. Aside from the price, comfort is also essential. Patios are made for people to gather, relax and spend time with each other. The pieces of patio furniture must be comfortable, relaxing and safe to use. Like any other furniture, outdoor furniture requires more care and maintenance since it is constantly exposed to varied elements. You must know how to properly care for as well as how to protect it against ordinary wear and tear, damage or weather conditions.

Lately, furniture has become the latest category that people have started buying secondhand. First, it was clothing. And now used furniture is having its moment. Where you live has a lot to do with what kind of selection you can find. The best used furniture in Miami can be found on AptDeco. You can buy and sell furniture from anyone in your city and pick it up yourself or have it delivered. You can also shop and sell from anywhere in the country. It’s the best of both worlds! Get started on AptDeco.com today.

Where to Buy Office Furniture Near Miami, Florida

April 1st, 2022

“Florida is a great place to start a small business in 2012,” says Bill Herrle, NFIB State Director. If you found recently Florida as the next hotbed for your business expansion, or to start a new one, and you are at the stage of locating furniture stores to source your business office furnishings, here are a few local outlets to consider.

Office Furniture by Tempo

OFBT is one of the furniture stores you can contact or visit in Florida. They are committed to producing functional and durable architectural woodwork solutions, which are of A-1 quality and are certified by pertinent agencies. Quality is guaranteed by an experienced professional by hand selecting the lumber. Preciseness is certain as the lumber is milled and shaped in their facility to achieve dimensional requirement. OFBT incorporates innovative customizations to make their pieces of architecture highly interesting and worth-implementing. You can visit them at 4136 East 10th Lane Hialeah, FL.

Camilo

Their name is claimed to be synonymous with fine crafted workplace furniture pieces. This is probably due to the dedication showed by the two men who started it with pleasure and pride. Never handing the machine the work that only craftsman’s hands can do better, Camilo grew to be well-respected in the furniture market. In their office environment section, they offer case goods, conference tables, reception desks, seating and more. Camilo’s showroom can be accessed at 4400 SW 75th Avenue Maimi, Florida.

Marcus Office Furniture World

Marcus claimed to have the largest showroom, selection and inventory in South Florida. They are a full-service furniture company serving customers for the last three decades. Visiting their location would surely expose you to different commercial business and home office solutions with their huge product line. Their products are usually from countries known to deliver exceptional furniture quality, including but not limited to Spain, Canada, Italy, Brazil and France. They have experts ready to help a confused business owner setup not only his ideal office layout, but a layout that ensures a maximum level of efficiency is always met. You can visit their location at 4701 NW 72nd Avenue Miami, Florida.

OfficeFurniture4Sale

The high demand within the South Florida business community as well as in other parts of the United States prompted the initial setup of OfficeFurniture4Sale in 2005 to expand. They have grown from a 750 square feet outlet to a 10,000 square foot showroom. Their consumer-base is composed of small to medium-sized businesses, deal-hungry individuals and even the retailers in Latin America and the Caribbean. They have desks, credenzas, hutches, bookcases, chairs, tables and basically, everything you need to furnish your workplace. You can visit their outlet at 1790 West 8th Avenue Hialeah, Florida.

Corporate Design Choice

Their 20+ years of success in the South Florida Commercial Furniture Industry made them a recognized leader in commercial furniture. To elaborate their reach, they’ve worked with thousands of organizations already, including many of the Fortune 500. Their furniture-related services include order management, delivery and installation, furniture space planning, furniture maintenance and relocation and more. Brands they carry include Aeron, Herman Miller, Geiger and Krug. You can take a view of their extensive collection of office furniture at 11001 NW 33rd Street Miami, Florida.