Full Coa
2010
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 Microsoft Office Professional 2007 Full Retail Version with Keycode and COA PRO $149.99 Time Remaining: 24d 14h 49m Buy It Now for only: $149.99 |
 Microsoft Vista Business 32 bit Full Retail Version with COA and Keycode in Box $17.50 (2 Bids) Time Remaining: 1d 19h 23m |
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 Microsoft Office Outlook Professional 2007 Full Retail Version with COA and KEY $50.00 (19 Bids) Time Remaining: 1d 19h 25m |
 Microsoft Office 2000 Pro Premium Full Professional Version CD COA DSP Sealed $19.95 Time Remaining: 3d 18h 17m Buy It Now for only: $19.95 |
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 Microsoft FrontPage 2002 Full Retail Version with Keycode License and COA $1.00 (1 Bid) Time Remaining: 19h 37m |
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 NEW Microsoft Windows XP Professional x 64 Edition Full Version with COA Keycode $102.50 (14 Bids) Time Remaining: 1d 19h 24m |
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 Microsoft Office Project Professional 2007 Full Retail Version with COA and KEY $275.99 Time Remaining: 24d 14h 57m Buy It Now for only: $275.99 |
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 Microsoft Office 2000 Small Business Full Version w Manual COA Key $19.99 Time Remaining: 5d 21h 48m Buy It Now for only: $19.99 |
 MICROSOFT WINDOWS XP PRO FULL Retail Version Professional COA $66.01 (2 Bids) Time Remaining: 4d 18h 25m |
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 Windows XP Professional NEW Factory Sealed w COA FULL version $79.99 Time Remaining: 16d 5h 29m Buy It Now for only: $79.99 |
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 MICROSOFT MS PROJECT 2000 FULL RETAIL SR1 COA 076 01689 Win 32 $99.88 Time Remaining: 14d 18h 53m Buy It Now for only: $99.88 |
 Microsoft Office 2003 Pro Professional Edition Full Version OEM COA $140.00 Time Remaining: 11d 4h 8m Buy It Now for only: $140.00 |
 Windows Vista Home Premium 64 bit Full Install DVD COA Product Key $1.50 (3 Bids) Time Remaining: 8d 17h 25m |
 Microsoft Office FrontPage 2003 Full Vers 392 02321 Retail Box COA Key + bonus $199.99 Time Remaining: 23d 4h 10m Buy It Now for only: $199.99 |
 Original Windows xp Professional x64 Service Pack2Full with a valid COA key $37.00 Time Remaining: 4d 22h 32m |
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 Windows Vista Home Premium 64 bit full install DVD with COA Product Key $0.98 Time Remaining: 9d 17h 25m Buy It Now for only: $84.98 |
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Full Coa
HOAs and COAs What's your property worth? Are you sure?
Remember when your association board first purchased the property insurance policy for your complex? No? Then chances are you're underinsured.
If you're like most apartment associations or condo boards, you simply renew the policy each year, assuming that the cost-of-living increase in coverage is adequate. Nothing could be further from the truth.
Properties change. Buildings age, new buildings go up, new property features are added, and renovations are completed. If associations were doing things correctly, there would be a review of coverage every time the property is altered or at least annually.
Worse, some associations decide early on that covering the property at less than its replacement value will save them money. That may have been true years ago when property values were much lower. But do you know how much that deductible translates into in today's dollars?
For example, Skyline Apartments' association bought their policy in 1995. They decided that the property, then valued at $800,000, could be covered at 80 percent. The association put aside the additional 20 percent – $160,000 – for their deductible. Each year at renewal, they simply renew without reviewing their coverage. Board members came and went, and still the property coverage was left unchanged.
Flash forward to 2010. Skyline's association is now filing a claim for damages due to a tornado, which destroyed the building. However, the damages amount to $1.8 million thanks to increased property values. The association is now on the hook for $360,000.
Worse, since the association didn't properly evaluate the replacement cost of the building, the insurer might reduce the claim settlement to match only that amount originally insured, and could even tack on penalties if they were included in the contract.
When did you last review your property coverage? Do you carry deductibles? If so, what can your association afford to pay? Is that in line with what you are contractually in line to pay should something occur? Property values have become so unstable in this economy. It's important for the life of your association and the trust of your homeowners that the values on the properties are accurate. If you don't have a current valuation, put it on the agenda, get it done, and then make sure to have your insurance policies updated.
About the Author
Finding the best underwriting company for an homeowners association can be a real challenge, especially for insurance agents who don't work in this area every day. To work effectively with underwriters and the few good companies that do associations, an agent has to know the apartment industry and has to be able to speak knowledgably. We have the knowledge and expertise to work with you and company underwriters for the best policy for you.
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How often did Mickey Mantle sign his full name "Mickey Charles Mantle"?
My roommate has a 1988 WS Offial League ball signed by the Mick and I'm just trying to figure out if it is real or not before sending it in to get a COA for it. Doesn't look like a stamp, but it is signed "Mickey Charles Mantle" with the inscription "536 HRS" below his name. Any help is appreciated.
Tough to say. Where were you going to send it in
I recommend either Jimmy Spence or PSA/DNA
Skydiving Accelerated Free Fall Level 1
