Welcome to the Ocean State Bridge Club!

Welcome to the Ocean State Bridge Club website.  We are a member of the Rhode Island Bridge Association, unit 145, district 25, of the American Contract Bridge League.  We believe that duplicate bridge is the best card game in the world.

Join us at noon on Mondays, including most Monday holidays.  Sharpen your mind, make new friends, and enjoy our hospitality.  If you do not have a partner, please call ahead to 508.636.3138 and plan to arrive early to discuss partnership agreements and to fill out a convention card.

Brookdale Sakonnet Bay, 1215 Main Road, Tiverton, Rhode Island 02878, is a senior living community located immediately off Route 24 just five miles south of Fall River, Massachusetts. The facility is handicap accessible at both the front and rear entrances.  Snacks, including coffee and tea, are provided by Brookdale Sakonnet Bay.  Feel free to bring a lunch.

Parking is encouraged at the rear of the building via Williamson Street and Shannon Avenue. Parking at the rear provides the shortest path to the bridge room.  Park on the street or in the driveway on the left side. The driveway circle must be kept open for emergency vehicles. Enter the building by the door next to the small greenhouse protrusion. The game is immediately inside, first door to the left.

If you elect to park in front of the building, in consideration of the residents, please park only to the left of the entrance.  The game is on the lower level, down one floor via elevator or stairs.  Exiting the elevator, proceed all the way down the long sloping hallway to the right (do not be misled by the ‘Clare Bridge Place’ sign).  A receptionist is on duty just inside the entrance if you have any questions.

The game fee is $7 per regular session (additional fees apply for special games – STaCs, Charity Games, Unit games, etc.).  Results are available on this site by clicking the Results menu.  Results are also posted on the acbl.org site (Clubs/Club Results/Rhode Island/Tiverton/Ocean State Bridge Club).

If you have any questions or suggestions please contact us.

We wish you success in your game and hope you are not distracted by our lovely view of the Sakonnet and Mount Hope Bay.

Replacing Your Sewer Line? You Have Options!

Sewer line replacement is something that no homeowner ever wants to go through because it usually means that something took place that prompted the replacement in the first place. It could be something as simple and mundane as a number of drains either draining slowly or being blocked up at the same time. It could also be something as serious as sewage backing up into the home.Payless Plumbing Boynton Beach

Either way,sewer line replacement is not the type of thing that anyone wants to deal with,but when you start seeing the signs,you have to get with it & start making the right moves. Now,this may seem as though you’re shopping around for the better bargain & bang for your buck,but in reality,you are & that’s a good thing.

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If you do a general search online for the cost you may incur when replacing your home’s sewer line,you will find dollar figures all over the map. Granted,most of them are in the four-figure range,but where in that range varies quite a bit. It’s bad enough that you have to deal with problems in your home’s plumbing,but the last thing you want to find out is that you paid too much for services rendered.

It may be good to know that when you’re “in the market” for this type of work,you might want to think about the various ways the process can take place:

Traditional Digging– This is the “old-school” method,and while it’s effective,it can really do a number on your yard & landscaping.

Trenchless Replacement– This serves as a bit of an umbrella term describing the process by which you can replace a sewer line without the traditional use of a backhoe for digging.

“Pipe within a Pipe”– Sometimes a resin can be introduced into your current sewer line,and when it hardens,a “pipe” is created that provides a new line. This does require you to have an intact pipe in the first place (trenchless).

Pipe Bursting– If your sewer line has damage,the pipe bursting method may work best. This process allows a new line to be pulled through,breaking up & displacing the old pipe while it simultaneously sets the new line in (trenchless).

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Each of these replacement methods serve as an option that may work for your home,but you won’t know that for sure unless you have someone take a look at your current state. A local,dependable plumber will be able to inspect your current sewer line with a fiber optic camera. This way,they can give you a pretty detailed look at where things stand with your sewer line & can advise you as to the best option for your home.

Sewer line replacement is the pits,but it’s good to know you have some options. Sure,the expense is something you can’t quite prepare yourself for,but knowing that a trusted local plumber with years of experience can bring you some peace of mind along the way is nice.

What Causes Sewer Line Damage?

Problems with drains in the home or sudden stains appearing on and around the foundation can all be signs of potential sewer line repairs in the offing. These can quickly turn into an expensive undertaking and unless something is done as soon as possible,it has the potential for seriously undermining the ability of the home to function. Whether there is an existing septic system or whether the home is hooked up to the municipal sewer system,reporting signs of trouble to professional plumbers can avert a major home repair disaster in the future.

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What Causes Sewer Line Damage?

Most sewer line repairs will have their root cause in blockage of the lines themselves. The first instinct of homeowners when they come across a slow moving drain is to pour a lot of harsh chemicals into the lines to open up or remove the clog. While that might be a temporary fix,at the same time they could be causing more damage with the chemicals themselves. In older homes especially,older pipes made of clay or porous materials can be eaten away by the chemicals within drain cleaners and cause the pipes to break down.

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Tree roots are attracted to sources of water and when trees are planted too close to a home’s foundation,they can find their way into the sewer pipes. The roots grow into the pipes and ball up,completely blocking the pipe. In these cases,the pipes will have to be removed and replaced. At other times,the cause of sewer line problems may be that the ground itself has shifted around the pipes and have bent them at an angle that does not promote drainage and the water begins to collect within the pipes and potentially leak out into the foundation.

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Ideas For Green Plumbing

In an attempt to reduce their carbon footprint,most people are looking for ways to improve sustainability in their homes,mainly with the sewer and water systems. Green plumbing,which is an increasingly popular concept of practicing sustainability at home,can be a solution to achieving this goal. By using sustainable materials and products,water usage can be reduced and recycled effectively.

Is green plumbing expensive?

Even though going green with plumbing sounds likes quite an expensive venture,is it is not so in the long-run when compared to the conventional styles of plumbing. The first remodeling of the plumbing in your house will surely cost a little more than expected,but going green with plumbing will eventually pay-off in the form of lower water bills and energy costs. However,it is always advisable to ask for professional advice before choosing green plumbing products. The initial costs of installing the green plumbing materials are usually higher than that of regular plumbing products.

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Ideas for Green Plumbing

Green plumbing can be employed first in the kitchen and bathrooms as these are the areas that consume huge amounts of water on a daily basis. Replacing plumbing products with green products such as pipes on the exterior,water circulation pumps and water heaters can help in lowering the energy costs of your home largely. You can also turn the plumbing green by adding chlorine filters to the showers.

In addition to all this,the reverse osmosis and water filtration systems can be replaced,so that the house is made more energy efficient. Low flow showers and faucets,along with low flush toilets are other ways of saving on the water bill.

With the concept becoming increasing popular these days,people are also going in for leakage-check devices,which can indicate leakages in the entire plumbing system. When leaks are not repaired in time,it tends to add to the water bill costs. Buying energy efficient appliances such as dishwashers is another way of going green.

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Is it worth the hassle?

Going green with the plumbing makes a huge difference in terms of the energy and water costs of the house. After replacing the regular products with environment-friendly products,the difference in the costs is highly evident. If the aspect of health is considered,green plumbing can help the residents in a larger way. For instance,getting a green water purifier installed will ensure that you get cleaner water than what the usual products have to offer. Going green with plumbing also lets you stay in peace that you are doing your bit to help maintain a cleaner,safer and more sustainable environment.

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A evaluation of the normal mortgage item used by the banks– Component 2

By John Sage

In part among this review of the typical P&I mortgage we began talking about the fact that it’s a rigid product.The home mortgage likewise has other aspects that include in its inflexibility.

Usually the readily available credit line reduces over the term of the funding. The longer the financial debt has remained in existence and also the closer to the final settlement date,the lower the permitted outstanding debt.

This does not make a lot of feeling but fits the bank’s choice for consistency of payments.

If you want to transform any of the regards to the funding,such as the final settlement date or the credit line,this will involve some sort of application to the bank and also often this implies a repayment of application fees,evaluations fees and also other management costs to the bank.

Principal and also rate of interest lendings are generally just given against the protection of your home for the function of buying your home. For that reason,if you seek to use your home as asset protection for another purchase you can deal with the absence of flexibility.

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If you want to expand the funding to assist the purchase of another building as an financial investment,as protection to help you get or launch a service and even just for a vacation,the bank will bill you additionally management fees.

The bank might likewise bill a considerably higher interest rate for the financial investment funding,despite the fact that you are using the very same protection,that is,your home.

The higher price is charged because the bank decides using the funding,such as financial investment,service or a personal function requires a higher price to be charged.

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Decreasing debt

By John Sage

While not all debt is bad,it’s important to minimise debt as much as possible,especially credit card debt.

You very first step is to have a charge card strategy.

Whatever your charge card equilibrium is at completion of each month,it is constantly paid completely,to leave a nil equilibrium. Your optional investing is constantly within the limitations of what you have the ability to manage from individual cash-flow.

If you can not pay your charge card completely at the end of each month,regardless of whether the amount is a few hundred dollars or countless dollars,sufficed up! A charge card under ordinary situations ought to have nothing else feature than to allow you not to have to bring cash.

Those that pay their charge card completely at the end of each month pay no rate of interest on the debt over that month. These individuals that pay their charge card completely expense the bank money. Yet the bank doesn’t mind because this expense is being completely subsidised by the interest rates being credited all those that do not pay their cards off.

As a rule,those customers with a considerable charge card debt that is not settled each month,inevitably have a dreadful economic placement with little hope of getting ahead.

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So how do you pay your card off? Easy,that’s how! After you have cut your card in two,the 10% financial savings that you have now figured out to pay to on your own on a routine consistent basis,can initially enter into eliminating forever your extreme charge card debt.

A 2nd method to settle your charge card is to get the bank to aid you! Years ago the bank items readily available to help their clients were rather restricted. Now with economic deregulation and economic competition between the banks,the choices readily available are much greater.

If you have a considerable charge card debt,probably look for to combine all your financial obligations under one facility with a much reduced rates of interest.

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Retired life planning and also special demands

By John Sage Melbourne

Youhave actually functioned all your life,placed in the difficult backyards,as well as now youhave actually reached that point in your life that has always really felt up until now away: retired life.

You require to think about this date well prior to you reach it to make the most of your retired life years.

Begin by asking yourself when you intend to be totally free to not need to work for an income. After that consider,if that was to be tomorrow,how much income would certainly you require past what is required for paying off your lendings?

That quantity after that needs to be indexed by rising cost of living (the rate that you place down as an presumption) through of time between now as well as the time that you have actually targeted for financial flexibility. For instance,$50,000 per annual income today would certainly be indexed to just over $90,000 per year in 15 years,given an rising cost of living rate of 4%.

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Next you require to exercise what quantity of income producing assets will be called for to create that kind of annual income. As an quote,increase the above figure by 20. So,$1.8 million would certainly be your target property base to create an annual income of $90,000 in fifteen years which amounts to $50,000 in present costs value. The property value computed as called for is that quantity required for income producing assets as well as doesn’t include your residence,vehicle or watercraft or special demands as well as one off expenditures.

It’s a huge ask to anticipate people to have a detailed understanding of their retired life demands. There are a great deal of unknowns as well as speculation. It’s a great concept to consult with a financial advisor as quickly as you can to exercise 2 significant points:

• What you want from your retired life

• What you require to do now to be economically able to do those points once you retire

Once you understand those points,you can place systems in position so you end up where you intend to be.

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How To Collect Business Debts Correctly

Getting paid is the only way that your business can stay afloat,but collecting business debt can be harder than you might think. This means knowing how to collect business debts is a vital skill to ensure success. The problem is that many people go about this in the wrong way. If you do not know how to collect the money you are owed the right way,you could alienate your customers and really hurt your business.

Invoice Normally

The start of the debt collection process will be the normal invoice you send to your customer. The invoice should have data about the payment period which is often 30 days. This should be agreed before you do any work with a customer,your the payment terms needing to be included on the invoice.

You will not be able to get payment of the debt if you have not provided a good invoice. The invoice should have information about the payment terms,but it should also have a detailed breakdown of what was provided. This can be very useful in the long run.

Chase The Payment

If you have not been paid on time,you need to start chasing the payment. The way that you do this will depend on how you operate your business. Some people chase payment via email while others will call the customer. Regardless of the method used,you need to be polite when you remind them about the payment.

You should never start with an abrasive approach. This will just make the customer less likely to pay,because you have been unnecessarily aggressive to them. The emails and calls should also be kept short and spaced correctly.

Sending The Final Notice

If you have not been paid for a prolonged period of time,you will eventually have to send a final notice. This is the last piece of communication before you take legal action. The notice highlights that the customer has until a set deadline to pay before you start pursuing legal action to claim the money owed.

In many cases,a final notice will be enough to get payment. However,if you are still not being paid and there has been no real reason for this,you will need to take legal action. It is vital to note that before this stage,you should place any further work for the client on hold and not provide them with further work or services.

Taking Legal Action

There are two options when it comes to legal action and the one you choose is based on the amount owed. The first option is to go through the small claims court. This option allows you to mediate with the customer and reach an answer that you are both happy with. The resolution will normally be the client paying the debt along with interest and fees such as court costs.

The other option is to work with a debt collection company. This can take place after the small claims court as well if the customer is not keeping to the legal decision. The company will work as a liaison and will help enforce the court decision.

There are a few steps that you can take to collect your business debt. Chasing the debt politely is the first step and you should only send a final notice after a prolonged period of time. Legal action is the last step to take and could lead to insolvency proceedings.

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Top Tips For Managing Your Assets

There are lots of people in the world who don’t manage their money properly. You need to have a good money management plan even when you are in your 20’s. This so you can relax during your later. Here are some useful tips for managing your wealth you should know about.

Create A Budget

You need a plan if you want to start managing your wealth. It will help you gain clarity and transparency with your financial status. Then you can start paying off your debts and save enough money for the future. Of course,to create a good budget,you need to understand your income and expenses so you can manage your money properly.

Understand Your Expenses

Many people don’t have any idea of what they spend each month. Start by keeping track of all your expenses for one month by looking at receipts and bills then adding it all together. Now you will have an idea of how to manage your expenses as you move forward.

Understand Your Income

Although most of us have an idea of how much money they make each month,they can get confused when they have multiple incomes. In these cases write them all down and add them together. Either way,you have to compare this sum to your list of outgoings. If you are spending too much,you need to start cutting down immediately.

Group Your Debts

Many people are in debt and they can need a lot of help recovering from the situation. One way forward is to start by getting your debt under control (and getting rid of it completely in the end) and that means getting them all in one loan. Whether they are student loans,credit card debts or personal loans,you have to learn how to consolidate your debts and get the lowest interest rate possible. You will be able to find debt consolidation options in the market that help you put all your debts together rather than paying them individually.

Remove Unnecessary Expenses

If you want to manage your wealth,the first thing you need to do is to stop any unnecessary outgoings. For instance,rather than buying that cup of coffee or tea every morning,you can have your breakfast at home. If you have paid for a gym membership and yet never go,you need to slash that too. Basically,you need to learn how to manage your money by taking account of everything,only then can you start saving for the future.

Always Have An Emergency Fund

Things happen,so you have to be prepared. Once you have it,make sure you don’ t touch or take any money out of the emergency fund but leave it in place so it can earn some interest. You should only tap into this emergency fund when you have a real emergency. That’s where controlling your expenses come in handy.

Save For Retirement

If you want to have enough money in your old age,you have to start saving for that retirement straight away. Make sure you save at least 10% to 15% of your income for retirement. That way,you don’t have to work longer than you want to and you will always have some spare money in case of problems. If possible,don’t touch your retirement money until you have actually retired.

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How To Find An Emergency Plumber Near Me

No one can completely prepare for all the inconveniences that can occur during homeownership. We expect the electricity to work,our appliances to work,water to flow from the tap,and that same water to drain shortly after. When our plumbing system fails to work,it can quickly lead to disasters that are expensive and time consuming to fix. But,regardless of how hard we try to keep things in working order,sooner or later things will go wrong. Here are three ways to find an “emergency plumber near me.”

1. Prepare with a list or directory

When you own a home,live in a home,or rent out a home,you have to be prepared for any issues that may pop up. It is beneficial to plan ahead by creating a list of services that may be required for all different types of maintenance or repairs. Creating a list for electrical services,heating ventilation and cooling services,appliances,and especially plumbing services,will allow you to quickly contact and set up an appointment once an unforeseen incident occurs. For ease of use you could organize the list by service,by name,or even by other factors such as pricing and locality.

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2. Use local resources

Just about every city has their own newspaper or local magazine that gets put out weekly,biweekly,or monthly. A weekly newspaper is a great way to stay up to date on any new services that may be available to you locally. Not only will you be supporting a local company,but you should even be able to get some feedback from neighbors and friends. With local companies,you can ensure that a job will be well done and that a strong reputation is at stake. Also,if there do happen to be any issues,you can head back and speak with a manager in person to have your issue taken care of.

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3. Use technology

Currently,there are plenty of online resources to help you find the services you need. Many websites have popped up in recent years for the sole purpose of connecting local and national business with the exact type of customer who may need and require their services. Not only do these websites act as a directory to different parts of the country,they also contain helpful information in the form of reviews and word of mouth testimonials. Many smart phone apps can also search for this same information as well. The information you need is right at your finger tips.

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Use these three tips the next time you are in need of a dire repair service. Be prepared and you will be ready for anything.

Water Heater Repair Services

Your water heater is among the most essential elements of your house’s plumbing system. One easy way to make sure that it is giving you the performance that you desire is to check its settings. Before you commence replacing water heater,you must make sure that you have all of the vital tools like hacksaw,screwdrivers and other standard tools. No matter whether you need a conventional water heater or a tankless one,the very best plumbers in San Jose will have the ability to assist you with all your water heater issues,quickly and easily.

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Regardless of whether you have to repair a water heater,install one,or only require regular maintenance,we are the professionals that you have to call. If you pick a water heater that’s too small,your loved ones may not have sufficient hot water. As a consequence you’ll discover the ideal water heater that fulfills your family’s hot water requirements.

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Sure,you cannot hope to fix your water heater all on your own,nor should you ever attempt to achieve that. An additional way to comprehend what type of water heater is ideal for you is to discover how much water you will need. Even though a top quality water heater will endure for years,when it fails,everyone in your house knows it instantly.

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