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Guide For Property Managers On Dealing With Military Personnel

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Managers of rental properties would do well to educate themselves on the SCRA in order to provide the best possible service to their tenants. If you’re a landlord, you should expect to make some exceptions for tenants with unusual needs. Sometimes the law will require you to provide certain accommodations, but sometimes management companies will see this as a chance to focus on a specific customer.

Property managers are crucial in assisting active-duty US military personnel with the management of their homes. Property owners should also be aware that tenants in this category have the right to void their leases early under the Service Member Civil Relief Act, even though doing so would normally be considered a violation of contract (SCRA).

Managers of rental properties must use caution when working with military tenants or repairing the residences of active-duty personnel.

Maintenance Of Active Duty Members’ Private Residences

Almost everybody who invests in property may do it successfully. There are various benefits available to military people and veterans who invest in real estate.

VA loans are originated by private lenders but backed by the Department of Veterans Affairs. Qualified borrowers can buy up to a four-flex with each purchase, and this is in addition to the one-year residency requirement.

Details About Veterans Administration Loans

  • With no down payment.
  • Mortgage interest rates are more manageable than those for personal loans from the bank.
  • Getting private mortgage insurance is completely voluntary.
  • There is a more lenient requirement for debt-to-income ratios that debtors must meet.
  • Not having a high enough credit score.
  • Required minimum year of occupancy as a primary dwelling.
  • If a service member receives a new military assignment, they have one year from the date of their first purchase to make a second purchase at their new duty station.
  • Assuming a $100,000 loan, a 25% down payment would be $36,000. Any additional funds needed beyond the entitlement cap must be paid for by the borrower.
  • Loans are constrained by a cap. Veterans who qualify for the maximum loan amount without having to make a down payment can acquire that loan.
  • There is no limit loan amount, but the VA will only guarantee up to a particular percentage of the loan.
  • The maximum amount of money that can be borrowed to finance the purchase of a multifamily dwelling is based on the valuation of a single unit in the building.

VA mortgages are more lenient than conventional or FHA mortgages, yet anyone can still feel overwhelmed by the responsibility. Therefore, service members need to consider the pros and cons based on their individual circumstances.

When it comes to buying a home, some states are more desirable for members of the military than others. In areas with low property taxes and where renting typically costs more than a mortgage payment, buying may make financial sense.

How Your Property Management Services Might Benefit Military Families

If your company is located in a state with a sizable military installation, they would be great clients. After establishing trust with their clientele, real estate businesses that help military personnel find homes can easily expand their services to include property management.

If you own a property management business and are interested in attracting clients like those highlighted above, you may want to think about the following:

  • Always-available account access.
  • Managers of the property may respond to questions.
  • Clearly stated prices, with a military discount added in.
  • A video clip documenting the state of the house will be provided in addition to the standard written reports.
  • Each month, detailed reports on cash flow and spending must be submitted.

Emphasize the benefits that clients might expect from partnering with your company. It is no secret that moving can be a stressful time, and that burden is compounded by the need to maintain maintenance, identify new tenants, negotiate leases, and schedule showings. Having a professional property manager on your team alleviates stress.

Since most service members choose to settle near their base of operations, renting out a home rather than selling it is a common option. Some property owners prefer to rent to members of the military or their immediate family.

Taking Into Account The Needs Of Service Members As Tenants

Renters in the military have rights under the Service Member Civil Relief Act, which should be taken into account. The landlord’s responsibilities take a back seat to the government’s contractual commitments to the United States military.

This law, along with others like it, was enacted to assist serving members of the armed forces in handling their private lives without compromising their ability to perform their official duties. The beautiful words of the U.S. Supreme Court sum up the purpose of these regulations: to “protect those who are under force to forgo their own issues to take up the tasks of the nation.”

A reassignment order after signing the lease allows the service member to terminate the lease in accordance with section 535. Tenants and landlords commonly have contrasting views on the extent and particulars of this right to termination. A precursor to the SCRA was the Soldiers and Sailors Civil Relief Act. The title was reworked and the lease termination provisions were enlarged and clarified in 2003.

When And How Do Lease Service Personnel Vacate Their Spaces?

The SCRA allows for the termination of a lease that was entered into before enlistment. In addition, it provided the service member right to terminate the lease upon receiving orders for a permanent change of station or a deployment lasting more than ninety days following the tenant’s initial military service.

Changes In Duty Station Or Deployment Status As A Ground For Lease Cancellation

It is not crucial that the orders be carried out on a specific day. A tenant cannot terminate the lease due to military orders for deployment or permanent change of station under the SCRA regardless of when the orders are received.

The Lessee must also provide the necessary termination documentation in a timely manner. Since the period to begin the termination process begins when you receive the orders, a military tenant may be able to cancel the lease months or even years before the day on which the instructions are to be carried out.

Not Paying Rent Will Result In Eviction

Additional requirements apply for lease cancellations caused by a tenant’s discharge. When their time in the armed forces is up, the vast majority of soldiers are released with either an honourable or general discharge. The SCRA specifies that these two administrative releases must be met before a lease termination option can be exercised. A document certifying your honourable discharge will be issued.

These are not to be ignored, but neither are the other two types of discharge. The DD Form 214 will indicate the nature of the tenant’s discharge if an honourable discharge certificate is not present.

The SCRA also details how managers or landlords can get rid of a tenant’s belongings from storage without a judge’s permission. Managers of rental properties can face criminal charges, fines, and perhaps a year in prison if they are found to have violated the SCRA in any way.

 

Todayville Content Team works with a wide variety of clients to develop compelling content solutions. Our experienced team develops strategic campaigns that use video and storytelling, digital advertising and social media to help our clients position and distinguish themselves in the market.

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Understanding Slot RTP and Variance: Which Slot Game Is Right for You?

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When it comes to playing slots, luck plays a huge role, but there’s more to winning than just spinning the wheels. Checking the variance and RTP of a slot game beforehand can help you find one that matches your style and strategy. Whether you’re a casual player or chasing a jackpot, understanding these factors can improve your experience. For Canadian players looking to try their luck, Tenexcasino.com is a top choice among crypto casino sites, offering a great platform to explore these games.

What is RTP?

RTP or Return to Player shows how much of the money you bet goes back to you over time. It also shows you the “house edge,” or how much of your money goes to the casino over the same period. If a slot has an RTP of 90%, 90 cents of every dollar you bet goes back to you. The remaining 10 cents is the “house edge” or the profit the casino will likely make.

RTP is measured over time and doesn’t tell you what will happen with each spin. But it can tell you which slot games to pick if you want to minimize risk.

What Is Slot Variance?

Variance also shows the risk of playing each slot game. But unlike RTP, it determines how often you can expect to win and the average size of each payout. Will you see small, frequent wins or rare but potentially huge payouts?

Depending on your preference and budget, you can opt for low, medium, or high-variance slots. Low-variance slots offer frequent but smaller payouts, medium-variance slots provide a mix of frequent smaller wins and occasional bigger winnings, and high-variance slots give rare but significant payouts.

What’s the Right Type of Right Slot Game for Me?

Variance and RTP can help you select the slot games that suit your style and the risk you’re
willing to take.

High RTP Slot Games

High RTP games are an ideal choice if you’re on a small budget. They will give you the best chance to build your bankroll and get more from your investment. You should look for games with at least 97% RTP, like Mega Joker (99%), Codex of Fortune (98%), and Starmania (97.87%).

While these games ensure you get more of your money back in the long term, they won’t necessarily help you maintain your bankroll. If that’s what you’re looking for, you should ensure the slots also have low variance.

Low Variance Slots

Low-variance slots are a perfect choice if you’re looking for steady gameplay with minimal risk. They allow you to play longer without large swings in your balance. But it’s not without its thrill.

If you like frequent wins, these games certainly keep the excitement alive. Some of our favorite low-variance games are Starburst, Jack Hammer, and Blood Suckers.

Medium-Variance Slots

These are a sweet spot. Medium-variance slots are perfect if you want steady payouts with the occasional thrill of big wins. They allow you to avoid the risk of high-variance slots while enjoying some of the excitement. Temple of Iris, Wolf Gold, and Golden Winner are great medium-variance slots worth checking out.

High-variance Slots

High-variance games are your best bet if you dream of hitting the jackpot. The risk is undoubtedly high, but you can win a massive payout. However, these slots may not be the best choice for prolonged gaming sessions. They can, however, provide convenient and enjoyable entertainment when traveling or during your lunch breaks.

High variance slots often include progressive jackpots. Some of our favorite high-variance slots include Rome: The Golden Age, Twin Spin Megaways, and Jack in a Pot.

Having a healthy bankroll is necessary here. But even more so, you need patience. You may go through several spins without a win, but the payout can be significant when you do win.

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The Role of Satellite Imagery in Developing VRA Prescription Maps

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Since its appearance in the 1980s, precision agriculture has revolutionized farming, offering innovative solutions to age-old challenges. One of those is Variable rate technology (VRT), which plays a key role in improving efficiency and sustainability in today’s farming methods.

By applying inputs like fertilizers and water in different quantities across the field, VRT helps optimize crop yields and reduce costs. This technology relies on data collection and analysis to create detailed VRA prescription maps, allowing for customized input applications. 

With the right equipment and technology, VRT can significantly improve agricultural productivity.  Today’s advanced tractors, equipped with built-in terminals and specialized software integrated with a precision agriculture platform, use prescription maps to accurately apply variable rates of water or chemicals based on GPS location and management zones.

Variable Rate Technology In Precision Agriculture

Precision agriculture is a game-changer, moving far beyond traditional farming methods. Often called satellite farming, this approach focuses on crop condition monitoring, measuring, and responding to variability within fields. One of its standout innovations is variable rate application (VRA), which has caught the attention of farmers worldwide for its immense potential.

Why is VRA so important? It goes beyond simply fertilizing, seeding, and applying pesticides. It’s about utilizing technology to apply various expendable materials on and beneath the field automatically. 

Farm management software simplifies contemporary farming by combining data and technology to improve farming efficiency, sustainability, and profitability. Precision agriculture platforms consolidate operations, crop health monitoring through satellite imagery, and offer real-time suggestions, enabling farmers to make informed decisions for the best use of resources (through VRA) and increased productivity.

Variable rate application offers numerous advantages for modern agriculture:

  1. VR fertilizer enhances farming efficiency.

Adjusting rates based on soil health and plant needs helps save resources and increase yields. Research shows this method can lead to higher net income and healthier soil compared to using uniform rates: “The net incomes of VR management zone were 15.5–449.61 USD ha−1 higher than that of traditional spatially uniform rate fertilization.”

  1. VR irrigation saves water, time, and fuel while reducing machinery wear.

Applying the correct amount of water to different parts of the field based on soil moisture levels and crop requirements reduces wear and tear on irrigation equipment compared to uniform irrigation.

Studies claim: “Variable rate irrigation (VRI) can increase water use efficiency and productivity by applying water based on site‐specific needs.”

  1. VR seeding increases crop yield by adjusting seeding rates based on soil fertility.

VR seeding adjusts seeding rates based on soil fertility and other factors to optimize plant populations and yields. It is commonly used alongside variable rate fertilization as part of a comprehensive precision agriculture strategy. 

Findings show that: “The application of VRS to the seeding of various crops shows positive agro-economic trends, additional yields, and higher economic returns.”

  1. VR pesticide reduces environmental pollution and improves pesticide efficiency.

VRT helps farmers target pests more accurately and use less pesticide. 

Studies have found that “VR management zone reduced the use of nitrogen (N), phosphorus (P), and potassium (K) fertilizers by 22.90–43.95%, 59.11–100%, and 8.21–100%, respectively, and it also increased the use efficiency of N, P, and K by 12.27–28.71, 89.64–176.85, and 5.48–266.89 kg/kg, respectively, without yield loss.”

This demonstrates the ability of variable rate technologies to improve pesticide effectiveness and reduce environmental pollution in agriculture.

Using Various Technological Means For Informed Decisions

Applying different technological tools is essential for implementing variable rate technology in agriculture. This includes smart machinery, fertilizers, seeders, soil sensors, geographic information system (also called GIS), and the Global Navigation Satellite System (GNSS) applications for field mapping. Additionally, having supporting infrastructure, which helps manage and analyze info from different sources, is crucial for successful implementation.

Understanding the location, timing, and methods for seeding, fertilizing, and harvesting is key in remote crop monitoring and precision agriculture, where data plays a vital role in managing resources effectively.

This information is taken from a wide variety of data sources.

  • Sensors. Moisture, soil nutrients, compaction, weather stations (humidity, temperature, wind speed)
  • Drones and satellite photography. Field hyperspectral imaging.
  • GNSS. Event coordinates, also points and times for obtaining time-series data
  • Spatio-temporal data sources. Spatio-temporal specific data (trajectories of agricultural machinery, spatiotemporal points, event points, time-series information)
  • Maps. Field boundaries, soil type, surface levels)
  • AI solutions. Prediction of weather conditions, detection of plant diseases.

However, simply collecting raw data is not sufficient. It is necessary to process this information to extract valuable insights, make informed decisions, and enable automatic alerts and control signals for agricultural equipment. Thus, you must have the capability to:

  • Gather data;
  • Transform the data to extract valuable insights for precision farming gear;
  • Upload the data into agricultural equipment;
  • Retrieve real-time data from tractors, seeders, fertilizers, and other machinery.

By following these steps, farmers can make the most of modern technology, optimizing their farming practices and boosting efficiency.

Use Of Satellite Images In Building VRT Maps

Satellite crop monitoring imagery can be used to generate different kinds of VRA maps for various purposes. As nitrogen is one of the most critical elements plants need, building map for its proper application is a major task. 

Nitrogen fertilization maps play a crucial role in optimizing the application of water, nitrogen, and crop protection products. 

When creating a VRA map for nitrogen fertilizer, you can choose from various indices that provide valuable insights:

  • MSAVI is sensitive to uncovered soil and, therefore, is ideal for planning VR fertilizer application in the early stages of growth.

Example:  Early in the growing season, a corn farmer uses MSAVI to detect patches of uncovered soil in their field. This helps them apply fertilizer more accurately, ensuring that nutrient-rich areas receive the right amount of input and promoting uniform growth.

  • ReCI measures chlorophyll content in leaves, helping to identify field areas with faded and yellowed vegetation that may need additional fertilizer.

Example: A soybean grower notices using ReCI that certain sections of their field have yellowed leaves, indicating possible nutrient deficiencies. They apply additional fertilizer to these areas, restoring plant health and boosting overall yield.

  • NDVI indicates biomass accumulation zones and areas with low vegetation that might demand larger amounts of fertilizer.

Example:  A cotton producer uses NDVI to map out zones with varying levels of biomass across their field. They adjust their fertilizer application rates, applying more in areas with lower vegetation to support growth and maximize their harvest.

  • NDMI is well-suited for VR irrigation by identifying areas that are under water stress.

Example: During a hot summer, a vineyard uses NDMI to pinpoint areas suffering from water stress. They adjust their irrigation system to provide extra water where it’s needed, ensuring the vines remain healthy and productive.

    • NDRE helps identify stressed or dying vegetation in the middle to late stages of a season, aiding in effective fertilization strategies.
  • Example: During the season, a wheat farmer uses NDRE to identify patches of the field where the wheat plants are showing signs of nutrient stress or poor growth. By applying a mid-season nutrient boost specifically to these stressed areas, the farmer improves the overall health and yield potential of the wheat crop.

Field Productivity Maps

Field productivity maps can be created by analyzing satellite images to pinpoint areas with high or low crop yields. By using the NDVI index and advanced machine learning algorithms, different productivity zones can be identified.

Key applications of productivity maps include:

  • Potassium and phosphorus fertilization

Historical productivity zones data can help avoid excessive application in areas where these nutrients may have accumulated with time.

  • Variable rate planting

Farmers can apply different seed amounts in various productivity zones to either maximize yield or achieve uniform distribution across the field.

  • Land evaluation

Field productivity can be assessed before purchasing or renting land; it helps reduce risk and enhance profitability.

  • Targeted soil sampling

Soil sampling efforts can be focused on key areas indicated by productivity data, rather than relying on generic grid sampling.

As you see, variable rate application (VRA) is a cost-effective method that can save you 10% on planting and cultivation costs based on the characteristics of the soil. To fully benefit from VRA, it’s important to understand the technologies involved, such as sensors, GNSS, earth observation pictures from drones and satellites, and digital maps, which provide crucial data for analysis and implementation. We sincerely hope that you succeed in your farming endeavors with modern technology!

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Author Vasyl Cherlinka

Vasyl Cherlinka is a Doctor of Biosciences specializing in pedology (soil science), with 30 years of experience in the field. With a degree in agrochemistry, agronomy and soil science, Dr. Cherlinka has been advising on these issues private sector for many years.

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