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fallenstarsshine
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Posted: Mon Jul 6th, 2009 10:44 pm |
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To get an idea of how much could be saved on the insurance side, you'd need to look at a few different factors. One factor is the ISO rating. Insurance Services Office is a for-profit company that advises insurance companies on risk. ISO's Public Protection Classification program is an evaluation of fire-protection systems throughout the United States, and most insurance companies use it to help set property owners' premiums. Communities are rated on a scale of 1 to 10, with 1 being the best rating. Fifty percent of the rating is based on a fire company's apparatus, stations, manpower and training. The rest is the water supply and communications. The ISO rating for the Carlisle Fire Company in city limits is a 5, again with 1 being the best and 10 being the worst.
The insurance companies also look at the local fire departments fire-loss history both to indicate future fire events and subsequent insurance payouts and to examine the effectiveness of the fire department. Switching to a paid department would not effect this until it's approx. 10 year roll over occured (depending on the homeowners insurance you utilize). Now, this is not to say that the losses were or were not the fire departments fault, it is simply saying that within the last 10 years events like the block downtown and most recently the under construction hotel all had very high value losses, which negatively impacts your insurance rates. Even a single family dwelling can incur heavy losses depending on the extent of damage and value of the home.
Now, as far as the Carlisle Fire Co.'s monetary situation, the average income for Carlisle Fire Co. over the last five years is $1,211,493 per year. 7% of that came from public donations, 55% from the town, county, and state (which is collected through taxes, tolls, etc), 23% through state & federal grants, building permits, and insurance premiums, and 15% through donations, ambulance billing, and other unclassified income (stocks, bonds, etc).
Their average expenses over that time were $685,186 per year for a profit of 43% per year. For 2007, the last year where final figures are currently available, their total cash savings were $2,988,408 and their net assets were $5,109,856.
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Playing the Game
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| Joined: | Wed Jan 30th, 2008 |
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Posted: Tue Jun 23rd, 2009 10:27 pm |
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| How exciting it would be to attend a convention in Milford...................
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justputtinmy2centsin
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Posted: Tue Jun 23rd, 2009 10:12 pm |
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| Now, If I can just get him to agree on the new Milford Airpark and Convention center.
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fire911guy
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Posted: Tue Jun 23rd, 2009 03:02 am |
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Waterman wrote: A paid fire service is a good system. All the one's who put it down stand to loose money in retirement. Maybe it's time for that look at me attitude to leave and get paid professionals.
I loose, can't win a battle of wits with the witless...
Last edited on Tue Jun 23rd, 2009 03:06 am by fire911guy
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Waterman
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Posted: Tue Jun 23rd, 2009 01:26 am |
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A paid fire service is a good system. All the one's who put it down stand to loose money in retirement. Maybe it's time for that look at me attitude to leave and get paid professionals.
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justputtinmy2centsin
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Posted: Mon Jun 22nd, 2009 01:15 am |
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| Wait a second, how come nobody else thinks that paid firefighters are a good idea? Come on folks, step right up, say what you think. Or is it that maybe you see what you are getting at a discount price. Come on, you can have all the control you think you should.
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justputtinmy2centsin
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Posted: Fri Jun 19th, 2009 01:29 am |
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fire911guy
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Posted: Thu Jun 18th, 2009 03:43 pm |
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justputtinmy2centsin wrote:
Don't forget what the insurance companies pay to fire companies from premiums from there customers.
See, if you had a paid fire service, those long suffering insurance companies would have more money. This would without a doubt lower home owner premiums. Because the companies would pass the savings on to the customer. Think of all the money you would have.
Haaaaaaa, you make me laugh, thanks you soooo much. If you really believe that, well then, I will leave well enough alone.
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justputtinmy2centsin
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Posted: Thu Jun 18th, 2009 03:08 am |
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Don't forget what the insurance companies pay to fire companies from premiums from there customers.
See, if you had a paid fire service, those long suffering insurance companies would have more money. This would without a doubt lower home owner premiums. Because the companies would pass the savings on to the customer. Think of all the money you would have.
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Waterman
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Posted: Thu Jun 18th, 2009 12:17 am |
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fire911guy wrote: Two Cents wrote: fire911guy wrote: What people don't understand, with the exception of tax monies the towns or cities may give the local fire departments in Delaware, or donations they may give, the residents do not pay for the fire service. The State of Delaware does not use tax dollars ...
Oh, really? If the funding does not come from state tax dollars, county and town tax dollars, and donations from citizens, please do explain where the funds DO come from.
Permit fees, Cooperation fees, lottery revenue, and so forth. Those monies are being reduces as well, due to the lack of permits, and the fire departments will have to be more diligent in their expenditures. And if you look at the beginning of my original post, I never said the towns don't give tax money, I am sure a portion of the money they give, is taxpayers money. And, I never said that fire departments should not be held accountable, or be careful of the monies they spend, they should, but the residents protected by said departments may want to be careful what they wish for, because if you want paid, you better get ready to dig deep, cause it's going to hit your pocketbooks/wallets in a noticeable way. Don't forget what the insurance companies pay to fire companies from premiums from there customers.
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fire911guy
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Posted: Wed Jun 17th, 2009 09:59 pm |
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| Oh yeah, think there was a complaint about the Chief's vehicle, lol, in a paid service, where you really pay, the Chief, Deputy, and the on duty officer will have response vehicles...
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fire911guy
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Posted: Wed Jun 17th, 2009 09:56 pm |
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Playing the Game wrote: All of those fees and revenue from the Lottery are placed into the General fund along with taxes for funding these programs. Delaware is a general Fund State that does not allow for earmarking of specific tax dollars with the exception of Tolls and gasoline tax for any particular project.
Okie dokie, understood, I will assist all in lobbying for a paid service, ahhhhh, sales tax....Last edited on Wed Jun 17th, 2009 09:56 pm by fire911guy
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Playing the Game
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Posted: Wed Jun 17th, 2009 09:51 pm |
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| All of those fees and revenue from the Lottery are placed into the General fund along with taxes for funding these programs. Delaware is a general Fund State that does not allow for earmarking of specific tax dollars with the exception of Tolls and gasoline tax for any particular project.
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fire911guy
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Posted: Wed Jun 17th, 2009 09:31 pm |
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Two Cents wrote: fire911guy wrote: What people don't understand, with the exception of tax monies the towns or cities may give the local fire departments in Delaware, or donations they may give, the residents do not pay for the fire service. The State of Delaware does not use tax dollars ...
Oh, really? If the funding does not come from state tax dollars, county and town tax dollars, and donations from citizens, please do explain where the funds DO come from.
Permit fees, Cooperation fees, lottery revenue, and so forth. Those monies are being reduces as well, due to the lack of permits, and the fire departments will have to be more diligent in their expenditures. And if you look at the beginning of my original post, I never said the towns don't give tax money, I am sure a portion of the money they give, is taxpayers money. And, I never said that fire departments should not be held accountable, or be careful of the monies they spend, they should, but the residents protected by said departments may want to be careful what they wish for, because if you want paid, you better get ready to dig deep, cause it's going to hit your pocketbooks/wallets in a noticeable way.Last edited on Wed Jun 17th, 2009 09:33 pm by fire911guy
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fire911guy
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Posted: Wed Jun 17th, 2009 09:31 pm |
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fire911guy wrote: justputtinmy2centsin wrote: It has become obvious that most of you aren't happy with the V.F.D. So maybe we need to have a paid fire service. This way you could have all the oversight you think is lacking. This will be much less expexnsive, I am sure.
What people don't understand, with the exception of tax monies the towns or cities may give the local fire departments in Delaware, or donations they may give, the residents do not pay for the fire service. The State of Delaware does not use tax dollars, and if Delaware did go with a paid service, then people in Delaware would see what the cost would be to keep the same level of service, and guess what, there would be a sales tax then to do so. I say let the complainers complain, and if they want a paid service, lobby for it, that way I would not have to leave my bed at night, not jump up from dinner with the family, not spend weekends and evenings away form them while training for all the b/s calls we run these days, you know, that automatic alarms that they all install but do not maintain, the ones that are to d**n dumb to go to a Doctor or the ER at a decent time, but wait till 1am and call for an ambulance for their toe that has been hurting for 3 days, oh yeah, there are you poo-dunks that do that, cause I answer the phones @ 911.
Paid or volunteer, makes no difference to me, I still have a job either way, but to you in the general public, just remember this, with a paid service, you get guys that will have the same or less training, and they drive from points unknown, and have no pride in the town they work in, or the people that live there, cause when their done with their shift, they head back home, in another town/state..> Last edited on Wed Jun 17th, 2009 09:33 pm by fire911guy
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Two Cents
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Posted: Wed Jun 17th, 2009 09:22 pm |
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fire911guy wrote: What people don't understand, with the exception of tax monies the towns or cities may give the local fire departments in Delaware, or donations they may give, the residents do not pay for the fire service. The State of Delaware does not use tax dollars ...
Oh, really? If the funding does not come from state tax dollars, county and town tax dollars, and donations from citizens, please do explain where the funds DO come from.
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fire911guy
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Posted: Wed Jun 17th, 2009 09:16 pm |
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justputtinmy2centsin wrote: It has become obvious that most of you aren't happy with the V.F.D. So maybe we need to have a paid fire service. This way you could have all the oversight you think is lacking. This will be much less expexnsive, I am sure.
What people don't understand, with the exception of tax monies the towns or cities may give the local fire departments in Delaware, or donations they may give, the residents do not pay for the fire service. The State of Delaware does not use tax dollars, and if Delaware did go with a paid service, then people in Delaware would see what the cost would be to keep the same level of service, and guess what, there would be a sales tax then to do so. I say let the complainers complain, and if they want a paid service, lobby for it, that way I would not have to leave my bed at night, not jump up from dinner with the family, not spend weekends and evenings away form them while training for all the b/s calls we run these days, you know, that automatic alarms that they all install but do not maintain, the ones that are to d**n dumb to go to a Doctor or the ER at a decent time, but wait till 1am and call for an ambulance for their toe that has been hurting for 3 days, oh yeah, there are you poo-dunks that do that, cause I answer the phones @ 911.
Paid or volunteer, makes no difference to me, I still have a job either way, but to you in the general public, just remember this, with a paid service, you get guys that will have the same or less training, and they drive from points unknown, and have no pride in the town they work in, or the people that live there, cause when their done with their shift, they head back home, in another town/state...
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justputtinmy2centsin
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Posted: Wed Jun 17th, 2009 12:05 pm |
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| It has become obvious that most of you aren't happy with the V.F.D. So maybe we need to have a paid fire service. This way you could have all the oversight you think is lacking. This will be much less expexnsive, I am sure.
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Ablebaker
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Posted: Wed Jun 17th, 2009 12:06 am |
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Why make up Rules if you can't break them
the City does it
the Cops do it
the developers do it
the fire co. does it.
It gives you that warm fuzzy feeling when you get over on someone
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fire911guy
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Posted: Sun Jun 14th, 2009 04:03 am |
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Yawwwwnnnnnnnnn
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Another Opinion
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Posted: Thu Jun 11th, 2009 12:39 pm |
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ohbequiet wrote: ... and become a volunteer fireman. If you are one then you would know that stuff like a chief's truck is VOTED ON by the members ...
So the members vote on the chief's truck. Now the providers of the money to the fire company are voting on that money. By the way, there are substantially more providers of the funds (taxpayers) than members of the fire company.
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Waterman
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Posted: Thu Jun 11th, 2009 12:19 pm |
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ohbequiet wrote: Some people only know how to run their mouth because they are too chicken to "volunteer". Why don't you grow a set and become a volunteer fireman. If you are one then you would know that stuff like a chief's truck is VOTED ON by the members so stop complaining besides that you can't even tell the difference between a suburban and a tahoe! Potato-Patato whats the difference in the make of the vehicle. Its still tough times and who give the members the right to let someone drive a company truck that is in part mostly funded by the state. The Governor said all state vehicles stay in the parking lot no personal driving. Who is paying for the fuel that is tax exempt. Last I looked the tags are exempt also. That means the state paid. Say the truck is involved in an accident and it is not when there is a fire and someone gets hurt. Who pays.
Other tax exempt items are the liquor in the bar. I bet you don't have a handle on how much goes threw that area. And how much is paid for by the hall renters and how much is not.
You guys in the fire house think nobody is watching. The whole town is watching.
You cant even open a bay door with out someone seeing it went up. And when something happens inside the town hears about it.
I don't need to grow a set. You need to be more responsible so you don't look like a bunch of poo-dunks.
Last edited on Thu Jun 11th, 2009 12:23 pm by Waterman
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ohbequiet
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Posted: Tue Jun 9th, 2009 11:52 pm |
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| Some people only know how to run their mouth because they are too chicken to "volunteer". Why don't you grow a set and become a volunteer fireman. If you are one then you would know that stuff like a chief's truck is VOTED ON by the members so stop complaining besides that you can't even tell the difference between a suburban and a tahoe!
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dirtman
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Posted: Mon Jun 8th, 2009 02:19 am |
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| TRUE DAT!!!!!
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Waterman
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Posted: Sun Jun 7th, 2009 04:55 am |
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You mean like letting a arsonist back in to the company with open arms. No thanks.
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justputtinmy2centsin
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Posted: Sat Jun 6th, 2009 04:53 pm |
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| WOW, U pathetic looser!!! Get down to the fire station, volunteer and make a difference instead of b**ching about it.
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Waterman
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Posted: Sat Jun 6th, 2009 06:48 am |
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delaware citizen wrote: Well.....let's hope the chief doesn't need to get to your house if he is in town to save your house or family. Would you really want him running to the fire house to get a fire truck or just coming to your house to assist????? I would hope he shows up in a fire truck. You cant squirt water from a Suburban.
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delaware citizen
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Posted: Fri Jun 5th, 2009 10:08 pm |
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| Well.....let's hope the chief doesn't need to get to your house if he is in town to save your house or family. Would you really want him running to the fire house to get a fire truck or just coming to your house to assist?????
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politics
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Posted: Fri Jun 5th, 2009 04:21 pm |
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maybe the city council can find the money for the fire department by collecting taxes from the fat cats who own big properties and pay no taxes .
look at monday council meeting..a long list of proerty owners that pay no taxes, do not want to pay taxes and the council will vote to have them pay taxes like you and me,,or, they can say..it was a wink and a nod and a deal is a deal..only some pay taxes and some do not
some may say, if my neighbor is not taxes, i do not have to pay
some say, if i do not remember getting a bill, i don't have to pay
some may say, its in the "mail"
looking foward to the excuses and, if the council buys into the deal.
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Waterman
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Posted: Fri Jun 5th, 2009 12:29 pm |
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Or stop refurbishing old fire trucks that just sit and don't fight fires.
May be a redirection of priorities is in line.
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dirtman
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Posted: Thu Jun 4th, 2009 01:43 pm |
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| or maybe they might have to cut out their "Command" vehicles that the chief gets to use for his personnal use
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politics
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Posted: Thu Jun 4th, 2009 04:34 am |
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i wonder what the fire people in milford think about the cut in their money that milford gives every year to them.
will they have to cut out a dispatcher/ maybe a full time fire person? maybe, training?
will they show up at Mondays council meeting and request the money be restored?
is this a t.v. drama? IS THIS A REALITY SHOW?
i certainly hope the fire people tell the city council why they need these funds and the great use they make of their resources.
it will be sad if the cut remains, and the fire people think it was necessary
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politics
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Posted: Wed Jun 3rd, 2009 05:54 pm |
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the fire department had their milford city budget cut from 150 to 120 thousand dollars.
the city has a budget of over 43 million dollars and has over 20 million dollars in cash in the bank.
its sad that the city council members did not speak up for the fire fighters and their needs .
we have two million dollars for a city hall that is not used, millions for every project that the council can think of, but, we cut the important service needs that this 30,000 would be utilized by the fire department.
perhaps the city council will rethink this need and restore these monies to the fire department
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