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User: maxdammage |
The Contractor Trailer Trailer for Wesley Snipes latest movie The contractor. On dvd 10/07/2007 Tags: Wesley Snipes Contractor Trailer Action Martial Arts |
User: TarponLtd |
Contractor Insurances http://www.tarpon-uk.com/?WT.mc_id=ON_V_YouTube 0845 643 1580 Info@tarpon-uk.com Insurances Why do I need insurance cover? Attitudes to insurance vary. Some believe it to be a 'necessary evil' whilst others have a strong belief in the protection of their business, which insurance affords. An insurance policy is a legal contract which must be expressed in relatively complex legal terms. It is a promise to provide compensation for something which may never happen. Any contractor, without adequate insurance, risks the success of his business. Types of insurance available There are various types of business insurance available, the most common types to contractors are: • Employers Liability • Public Liability • Professional Indemnity Employers Liability Insurance Most employers are required by the law to insure against liability for injury or disease to their employees arising out of their employment. Employers Liability Insurance covers your business if an employee is injured or falls ill at work. Employers' Liability Insurance will meet the cost of compensation for injuries sustained to your employees (or illnesses), whether caused on or off site. By law, an employer must have and be insured for at least £5 million. Most insurers automatically provide cover of at least £10 million. When you take out a policy you will receive a certificate of employers' liability compulsory insurance. You must display a copy of this where employees can easily read it and keep copies for at least 40 years or risk a fine. You need to make these certificates available to health and safety inspectors on request. Public Liability Insurance Public liability insurance covers claims made against your business, if its owners, directors or employees are shown to be responsible for personal injuries to a third party or damage to property. Public liability insurance is a core cover of many types of insurance; indeed you are usually unable to buy employers liability cover without it. Public liability covers the Business to a certain limit of indemnity. This is usually £1m, £2m or £5m and occasionally £10m • Example: Whilst at a customer's site, you accidentally knock over a cup of coffee, and the contents pour down the back of a computer, damaging it beyond repair. Public liability insurance would cover any claim from the customer. Professional Indemnity Insurance This protects your business against compensation sought by a client if you have made mistakes or are found to have been negligent in some or all of the services that you provide for them. Professional indemnity insurance will also cover any legal costs. Without Professional Indemnity Insurance companies would expose themselves and run the risk of being sued for all sorts of claims. One important aspect to bear in mind when considering professional indemnity insurance is that you need to be covered both at the time of the event and when the claim is made. This is because there can often be a long delay between an event and a subsequent claim. • Example: A negligent act, or error made during the course of your duties So, in summary... ...whether you are setting up your own limited company or using the services of an umbrella company always ensure that you have adequate cover for the nature of your business Employee benefits, contractor expenses, employment status, contractor tax, employment benefits, employee payroll, ltd co set up, ,simply names, set up ltd co, contractor payroll, umbrella service, umbrella co, HMRC contractor, HMRC umbrella, HMRC employed, Salary sacrifice, freelance work, freelance payroll, contractor mortgage, contractor pension, Contracting, payroll, Umbrella Payroll, IR35, advice, compliant, compliance, PAYE, employee management company, dispensation, Saving money in contracting, Consultant Technologies, IR35 solutions, Benefits of being a contractor, Contractor payments, good net pay in contracting. umbrella company tarpon payroll tarponltd ltd paye advice salary pay tax employee benefits agency contractor contracting Tags: umbrella tarpon payroll tarponltd insurances paye advice salary pay tax employee benefits agency contractor contracting |
User: TarponLtd |
Contractor Pensions http://www.tarpon-uk.com/?WT.mc_id=ON_V_YouTube 0845 643 1580 Info@tarpon-uk.com Contractor Pensions What is a pension? A pension is a long-term investment to provide a source of regular income when you retire. Contributions are made into a pension fund while you are working which will then give you regular payments once you have retired based on the amount you have contributed. A pension is one of the most cost effective ways of saving for retirement as the government gives you tax relief on contributions made. For example, a basic rate taxpayer can contribute £78 to their pension scheme; this is then "topped up" by the tax man meaning you actually have £100 contributed to your fund. Less than half of people are currently saving enough for when they retire and nearly a quarter of people are not saving at all. When you retire, you'll still have bills to pay and will also want a regular income so that you can enjoy and make the most of your retirement years. Why do I need one? A lot of people may think that retirement is a long way off for them, and so put off setting up a pension fund. But people are living longer meaning your retirement years could equal a third of your life, so the earlier you begin making contributions to a pension fund the better. The State Pension gives a basic income when you retire, but it is wise to set up a private pension as well so that you can live the lifestyle you want. Types of pensions • The Basic State Pension How much you get will depend on how much you have paid in National Insurance Contributions during your working life. • The Additional State Pension Depending on your individual circumstances, you may be entitled to additional State Pension. • Occupational Pension This is an arrangement that an employer may make to provide its employees with a pension when they retire. These are also known as work or company pensions. Most employers who run these schemes make contributions to the pension on top of the employee's contribution. • Stakeholder Pension This is an individual pension. The money you contribute is invested and can be moved to wherever you are working. There are a number of government requirements -- low minimum investments, capped fees and flexibility. • Personal Pension This is an individual pension which is likely to have higher minimum investments and fees than a stakeholder pension, but there will often be greater investment choice and flexibility. • Self Invested Personal Pension A Self Invested Personal Pension (SIPP) can allow you to take a much more active role in the investment of your pension pot. You may be able to choose from a range of fund managers and you could invest directly in property. You should always seek financial advice before making any decisions about how to invest for your pension. Employee benefits, contractor expenses, employment status, contractor tax, employment benefits, employee payroll, ltd co set up, ,simply names, set up ltd co, contractor payroll, umbrella service, umbrella co, HMRC contractor, HMRC umbrella, HMRC employed, Salary sacrifice, freelance work, freelance payroll, contractor mortgage, contractor pension, Contracting, payroll, Umbrella Payroll, IR35, advice, compliant, compliance, PAYE, employee management company, dispensation, Saving money in contracting, Consultant Technologies, IR35 solutions, Benefits of being a contractor, Contractor payments, good net pay in contracting. umbrella company tarpon payroll tarponltd ltd paye advice salary pay tax employee benefits agency contractor contracting Tags: umbrella pension tarpon payroll tarponltd ltd paye advice salary pay tax employee benefits agency contractor contracting |
User: BadTasteRec |
Logh - The Contractor And The Assassin Logh - The Contractor And The Assassin, taken from the album "The Raging Sun". More Logh: www.badtasterecords.se Tags: Logh Contractor And The Assassin Bad Taste Records Indie Rock |
User: HappinessHacker |
Corrupt Government Contractor Abuse Corrupt private government contractors deliberately disrupt communications to defraud innocent Americans. See http://Atlanta-Attacks.com http://PublicPerception.info http://ResearchRat.com and http://HappinessHacker.com for details. Tags: fisa f.i.s.a. warrant less wiretap spying warrantless corrupt government corruption unreasonable search seizure |
User: diendantudodanchu |
Nike Contractor in Malaysia using forced labour An investigation by Australian Channel 7 into the Nike Contractors in Malaysia using forced labour Tags: news |
User: JamesYeager |
High Risk Civilian Contractor DVD Challenge Yourself Advance Your Fighting Skills and Readiness to Levels Attained Only In Combat Zones Whether you call it Personal Security Detail (Combat PSD), Close Protection, Security Contractor, or Bodyguarding, worldwide demand for Civilian Contractors is increasing at an unprecedented rate. Security -- IT Systems -- Engineering -- Construction - Business Consulting The potential earnings for providing contract services of any type are high, because many of the countries with the highest demand are also some of the most dangerous, including Iraq, Afghanistan, Africa, South America, and Asia. Regardless of your experience, skills, and training, if you want to work in high risk regions performing ANY type of work, you need the information presented in this DVD. What You Need To Know Before You Go This DVD does NOT provide training on how to do Combat PSD or security work, and it does NOT teach combat tactics or close-quarter-combat techniques. This first in a series of DVD-based programs DOES teach you the fundamental requirements of providing contract services, including how to find employment, fulfilling your legal and financial obligations before leaving your country, and negotiating your salary. Make The Right Decision: Be Informed, Be Prepared After viewing this DVD, you will have the knowledge you need to begin a career in this rewarding -- and dangerous -- field. You will learn how to travel through dangerous places, live in hostile, deadly environments, and get back home safely. Some of the hundreds of topics* covered in this 5 Hour 4-disc DVD package include: How to qualify as a Civilian Contractor Building your resume to win a position Assessing potential employers Understanding the terms and conditions of your contract Obtaining a U.S. passport in the post 9-11 world Immunizations - required and recommended What to look for in pre-deployment training Equipment you should be issued Equipment you should take Bank transfers and offshore accounts Life and health insurance MANY, MANY, more topics! * Each DVD in this series has full menus to allow quick access to all topics Learn From The Best You will learn all of this and more from the real world experiences of a first-time contractor (former SWAT officer) and a seasoned contractor (veteran Navy SEAL). The Civilian Contractor DVD series is the ONLY place to get this "need to know" information; it is guaranteed to save you time and money. James Yeager, an internationally recognized shooting and tactics instructor and civilian "PSD" contractor, carefully developed the content of this information-packed DVD series to ensure its relevance to both new and experienced contractors. "This material should be considered required viewing by ANYONE considering ANY type of contracting work in a hostile area!" - Ben Thomas, Civilian Contractor and former U.S. Navy SEAL Tags: PSD civilain security contractor iraq training |
User: awakenthem26 |
Contractor vs Church of Scientology Contractor vs Church of Scientology see scientology in action doing there rip off style to this working man pass it on Tags: Public Service Announcements Government |
User: mullinsmedia |
KW Contractor Your online source for contractors in Kitchener-Waterloo and area. Tags: KW Contractor Property Guys MullinsMedia contractors kitchener waterloo |
User: kaain111 |
Price of freedom - Contractor killed in Iraq Account of a civilian contractor working in Iraq mortally wounded in a firefight. As he slips into a coma he reflects on his life and the daughter he left behind before dying Tags: KBR Halliburton Blackwater Iraq war OIF mercenary contractor security military bomb insurgent IED ambush convoy PMC |
User: TarponLtd |
Contractor Pensions, there are several options to consider http://www.tarpon-uk.com/?WT.mc_id=ON_V_YouTube 0845 643 1580 Contractor Pension alternatives -- important information to consider Tarpon is an employment benefits company which offers contractors a tax-efficient payroll service. We are experts at giving impartial tax advice. We'll claim up to 100% of your expenses back for you. And we'll provide you with a personal business manager to handle both your admin and your invoicing. Plus many additional benefits making contracting more rewarding. I'm contracting at the moment and my Umbrella Company have asked me whether I want to contribute to a pension -- what is a pension exactly? A pension is a long-term investment to provide a source of regular income when you retire. Contributions are made into a pension fund while you are working which will then give you regular payments once you have retired based on the amount you have contributed. So, why do I need a pension? When you retire, you'll still have bills to pay and will also want a regular income so that you can enjoy and make the most of your retirement years. The State Pension gives a basic income when you retire, but it is wise to set up a private pension as well so that you can live the lifestyle you want. What types of pension are there? The Basic State Pension The amount you get will depend on how much you have paid in National Insurance Contributions during your working life. The Additional State Pension Depending on your individual circumstances, you may be entitled to additional State Pension. Occupational Pension This is an arrangement that an employer may make to provide its employees with a pension when they retire. These are also known as work or company pensions. Stakeholder Pension This is an individual pension where the money you contribute is invested and can be moved to wherever you are working. Personal Pension This is an individual pension which is likely to have higher minimum investments and fees than a stakeholder pension, but there will often be greater investment choice and flexibility. Self Invested Personal Pension A Self Invested Personal Pension (SIPP) can allow you to take a much more active role in the investment of your pension pot. You may be able to choose from a range of fund managers and you could invest directly in property. And remember, you should always seek financial advice before making any decisions about how to invest for your pension. Useful websites: HM Revenue and Customs: http://www.hmrc.gov.uk/pensionschemes/online/online-splash.htm Financial Services Authority: http://www.fsa.gov.uk/ More information from Tarpon: http://www.tarpon-uk.com/employee-benefits/contractor-pensions/?WT.mc_id=ON-V-YouTube Tags: pension standard life umbrella company tarpon tax hmrc tarpon-uk expenses contractors dispensation contractor contracting employee benefits |
User: archenemy20 |
Military Contractor training Some Military Contractor going through some fun training :) Tags: iraq blackwater military contractor |
User: Augvald |
Aegis Defence Services contractor firing at civilian cars. Check out these background links here: ---------------------------------------------------------------- - What you will find in these background links, shows that it's the British securety firm -Aegis Defence Services- employees, that's filming themselves in this video. It's presumably 1 in a series of 4 videos they made. The contractors were cleared through an internal "investigation" by the securety firm itself. And later by an US Army led "investigation". But no matter what their acts in Iraq, they cannot be prosecuted in Iraqi courts. Before Paul Bremer, Bush's viceroy in Baghdad, left Iraq in 2004 he issued an edict, known as Order 17. It immunized contractors from prosecution in Iraq. ===================================== British mercenary firm exposed in civilian shooting incident in Iraq http://www.globalresearch.ca/index.php?context=viewArticle&code=MAD20051201&articleId=1381 'Trophy' video exposes private security contractors shooting up Iraqi drivers http://www.telegraph.co.uk/news/main.jhtml?xml=/news/2005/11/27/wirq27.xml&sSheet=/news/2005/11/27/ixworld.html Trophy Video Could Prove Costly for Aegis http://www.antiwar.com/orig/griffin.php?articleid=8197 Iraqi 'shooting' videos examined http://news.bbc.co.uk/2/hi/uk_news/4490494.stm Aegis Security Service http://news.bbc.co.uk/2/hi/uk_news/5080970.stm Who Will Stop the U.S. Shadow Army in Iraq? http://english.alarabonline.org/display.asp?fname=2007%5C04%5C04-30%5Czopinionz%5C961.htm&dismode=x&ts=30/04/2007%2008:28:45%20%C3%95 44,000 private security contractors in Iraq http://news.independent.co.uk/world/middle_east/article2594165.ece §~-~-~-~-~-~€~£~$~-~-~-~-~-~§ The Human Cost of Occupation http://www.antiwar.com/casualties/ The financial Costs of the War in Iraq http://costofwar.com/ Putting the Annual Cost of War in Perspective http://www.nytimes.com/2007/01/17/business/17leonhardt.html?ex=1326690000&en=7f221bfce7a6408c&ei=5090 ===================================== Tags: war crimes Iraq contractors mercenary blackwater aegis IPOA soldier baghdad criminal sin crime Elvis music shadow army |
User: HeritageFoundation |
Military Contractor Controversy and Congress James Jay Carafano, Ph.D, discusses impact of private security forces on America's military operations. Tags: Blackwater military contractors congress heritage in focus james jay Carafano foundation |
User: NancyPelosi |
Hearing on Contractor Crimes: Razook's Testimony The Judiciary Subcommittee on Crime, Terrorism, and Homeland Security is currently holding a hearing, "War Profiteering and Other Contractor Crimes Committed Overseas." Erika Razook, Legal Advisor to the Business and Human Rights Program at Amnesty International, gives testimony on the lack of prosecutions for human rights violations Tags: Democrats Congress Oversight Iraq War Profiteering Contractors Alan Grayson |
User: karmavisiontv |
Contractor scams - Karmavision http://karmavision.tv/video/460/contractor_scams.html James Quiggle, director of Communications Coalition Against Insurance Fraud: "The impact of contractor fraud on seniors can be devastating. Often they've set aside money for the repairs. The contractor runs away with their money and doesn't do the job, so they have to dip into their savings to complete the job. This can wipe out their life savings, exposes them to shame and humiliation -- feel very invaded." But, there are ways to avoid home repair rip offs. Sally Hurme, AARP Financial Security: "Never pay cash up front. If you do have to put a partial down payment, use a credit card. Never use cash. And never pay the final payment, until you are satisfied that the work has been done the way you wanted it to be done." And be sure to use a licensed contractor, so that if you get a judgement against a contractor you can be reimbursed from your state licensing board. Tags: public benefit scam contractor fraud senior citizen home savings payment |
User: xp1234567890 |
Ugly Details of Contractor Rape Coverup (C-SPAN Testimony) http://memosphere.wordpress.com/2007/12/18/behind-the-war-on-terror-2-videos/ The Ugly Details of Contractor Rape Coverup alleged by Jamie Leigh Jones. Tags: Rape Halliburton KBR Jamie Leigh Jones allegations Contractor Iraq Sexual Abuse Bush Administration Dick Cheney C-SPAN |
User: JamesYeager |
High Risk Civilian Contractor - Shooting Package This is one group of students from beginning to end on one five day class. Tags: PSD civilain security contractor iraq training tactical shooting explosions fire lightning |
User: NancyPelosi |
Hearing on Contractor Performance: A Wackenhut Guard The Oversight Subcommittee on Government Management, Organization and Procurement holds a hearing, "Federal Contracting: Do Poor Performers Keep Winning?" This hearing will review flaws in federal contracting that allow contractors with poor performance records to either renew existing contracts or receive subsequent contracts with the same or different federal agencies. Although procurement rules require that past performance of contractors be weighed in the selection process, many companies that have experienced serious, documented cost overruns and quality control problems on federal contracts continue to receive new work. Ms. Robin Smith, former Wackenhut security officer at DHS headquarters, testifies under questioning from Subcommittee Chairman Edolphus Towns. Tags: Democrats Congress Oversight Contractors Performance Peter Welch |
User: wbal |
Homeowner Picks Shoddy Contractor From Web Site A homeowner is left wondering why the Web site she used to find a contractor for her deck didn't do checks on him to see if he was a credible company to use. Tags: WBAL Baltimore I-Team construction contractor web site |
User: NancyPelosi |
Hearing on Contractor Performance: Welch's Questions The Oversight Subcommittee on Government Management, Organization and Procurement holds a hearing, "Federal Contracting: Do Poor Performers Keep Winning?" This hearing will review flaws in federal contracting that allow contractors with poor performance records to either renew existing contracts or receive subsequent contracts with the same or different federal agencies. Although procurement rules require that past performance of contractors be weighed in the selection process, many companies that have experienced serious, documented cost overruns and quality control problems on federal contracts continue to receive new work. Rep. Peter Welch (VT-AL) questions witness on the baffling lack of consequences for faulty contractors and one particularly bizarre story regarding Wackenhut security contractors. Tags: Democrats Congress Oversight Contractors Performance Edolphus Towns Peter Welch |
User: TarponLtd |
Contractor UK based compliant payroll solution - Tarpon Ltd! http://www.tarpon-uk.com/?WT.mc_id=ON_V_YouTube 0845 643 1580 info@tarpon-uk.com Tarpon is an Employment Benefits Company which offers contractors an employment contract and a fully compliant HMRC approved tax-efficient payroll service. Tarpon are the first Umbrella Company / LTD Company to introduce a full range of employee benefits for contractors. Why it pays to work for Tarpon Contractors are financially better off with Tarpon Market leading dispensation Professional Indemnity Insurances up to £20 million pounds We are experts at giving impartial tax advice. We'll claim up to 100% of your expenses back for you. And we'll provide you with a personal business manager to handle both your admin and your invoicing. Plus many additional benefits making contracting more rewarding. Employee benefits, contractor expenses, employment status, contractor tax, employment benefits, employee payroll, ltd co set up, ,simply names, set up ltd co, contractor payroll, umbrella service, umbrella co, HMRC contractor, HMRC umbrella, HMRC employed, Salary sacrifice, freelance work, freelance payroll, contractor mortgage, contractor pension, Contracting, payroll, Umbrella Payroll, IR35, advice, compliant, compliance, PAYE, employee management company, dispensation, Saving money in contracting, Consultant Technologies, IR35 solutions, Benefits of being a contractor, Contractor payments, good net pay in contracting. umbrella company tarpon payroll tarponltd ltd paye advice salary pay tax employee benefits agency contractor contracting. Tax. IR35. Confused about the implications? Or just confused about what it is? Leave it all to us. We′re specialists in both tax and IR35 and can give you impartial, straightforward advice on both. With Tarpon, you′ll have your own personal business manager to keep you tax-efficient and to reclaim up to 100% of your business expenses, tax-free. (Your business manager will even call you at a convenient time to take down the details of those expenses, which means you won′t need to do this online each week.) And to ensure you maximise your tax and national insurance savings we also offer a childcare voucher scheme and a personal pension through salary sacrifice. Enjoy cheaper travel. With Tarpon, you can claim back 100% of your travel expenses when travelling to and from work by public transport. Or, if using your own car, motorbike or bicycle, you can claim 40p, 24p or 20p per mile, respectively. No receipt required. Car rental costs can also be claimed, as can the lowest airline fares. And it's all HM Revenue & Customs-approved. Claim up to £24 a day for food, tax-free, without receipts. Covering your breakfast, lunch and evening meal, that works out at £5,760 a year. If away from home on business, you can claim up to £18 a night for food and drink. Even if you′re staying with friends rather than at a hotel, you′ll get £25 a night for accommodation and food. And it′s all HM Revenue & Customs-approved. If the taxman comes knocking, it won′t be on your door. As far as HM Revenue & Customs are concerned, the buck stops with us, not with our contractors. So, unlike some umbrella companies, we don′t need to provide legal fees to cover possible investigations. We′ll keep you IR35-compliant, supply you with a P60 and employ an expenses policy approved by HMRC themselves. Stay on a friend′s sofa,and there′s £25 in it for you. Working away from home? Staying with friends or family? Then claim £25 a night to cover food and accommodation. Or, if shunning them all by staying in a hotel, you can claim up to £95 a night (receipts required), with £18 for food and drink and £5 for daily expenses (no receipts required). All HM Revenue & Customs-approved. Your laundry bills needn′t come outof your own pocket. If you′re staying in a hotel while away on business, you′re entitled to £5 for personal expenses every night. (Or £10 if abroad.) This covers laundry, personal calls, newspapers, alcoholic drinks and videos. And you needn′t keep receipts. You can claim back business-related phone calls (and the VAT) on both landlines and mobiles. Postage, too. And all HM Revenue & Customs-pproved. Rediscover evenings. Rediscover weekends. And, in the process, rediscover your family. Simply fill in a weekly timesheet and leave the rest of your admin to your own personal business manager, courtesy of Tarpon. We′ll also give you a P60 every year. And you may not even need to fill in a tax return. It′s no accident that we provide £20m of insurance cover. Make a slip-up at your place of work, and you could land -- with a painful bump -- in court. So we provide our contractors with £20m of cover, comprising £10m employers′ liability, £5m public liability and £5m professional indemnity. That′s far more than our competitors offer, and should be sufficient for all but the most epic of catastrophes. Tags: umbrella company tarpon payroll tarponltd ltd paye advice salary pay tax employee benefits agency contractor contracting |
User: kcratv |
Keep Eyes On Road, I-5 Contractor Urges Ed Garcia, spokesman for contractor C.C. Myers, said motorists can help keep the Interstate 5 improvement project running smoothly by keeping their eyes on the road and not watching construction equipment. Tags: KCRA Sacramento road project C.C. Myers Ed Garcia |
User: Dehrike |
How a contractor can ruin your home and life! How a contractor took advantage of a family in Stratford, WI. After watching this video, how could any sane contractor think that this terrible installation was not going to cause damage. This video is on some of the specific acts of faulty workmanship a local contractor did to this family's home. This should be of concern to all homeowners who have had any work done in the last 20 years. All contractors should also take interest in these negligent acts, since this contractor is making a bad name for their profession. This could happen to any one! For more details also watch: Toxic Mold: My contractor ultimately killed me. Tags: Contractor Faulty Workmanship |
User: Dehrike |
Toxic Mold: My contractor ultimately killed me. How a contractor took advantage of a family in Stratford, WI. His faulty workmanship lead to toxic mold, deadly bacteria and huge amounts of property damage. This story is also about laws that have to be changed, the insurance industry coverage flaws and the ill health affects caused by all the unseen damages. At no time was the contractor ever held responsible and or accountable in any way. He had nothing but total disrespect and disregard of the building guidelines and his profession. He purposely ignored installation guidelines and building codes with never receiving any consequences! If our legal system never holds him accoutable...why would he stop his unethical tactics that make him profit? The Legal System, Insurance Companies and Building Associations not only fell short in our case, they failed to follow up looking into other work he did, more or less covering it up! They fear that there are others like us and it would open a Pandora's Box! What if other families are out there being exposed to "who knows what"? Let's change the law to protect the injured and vulnerable parties. If the laws were changed, at the very least, let's put the criminal behind bars and hold them responsible for full monetary restitution and damages caused by their negligence. If they refuse to do their job right, let's put them out of business! The law requires Continuing Education in other professions to protect and insure others' "safety, rights and lives." That would be "Doing What's Right"! Perhaps, there is a chance this specific contractor could still be charged in Criminal Court! That would be "True Justice"! For more details also watch: How a contractor can ruin your home and life! Tags: Toxic Mold Deadly Bacteria |
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