WD

Insurance is one of the “big three” expenses alongside mortgage and
real estate taxes, but do you know what sets your costs? This presentation will focus on discounts and endorsements and how these affect pricing for property insurance, general liability, one to three families, four units, and more than four. Factors include:

• Your credit
• Shape of the property
• Year built
• Bundling products like auto, umbrella
• Many other factors we will discuss

We will be discussing homeowners policies, business owners policies, commercial package policies, and commercial lines. Attendees will leave better prepared to ask about and manage premiums and endorsements.

This event will be a radio style interview between Wayne
Tolley of Hadsel Insurance and Doug Quattrochi, Executive
Director, MassLandlords. Wayne has been with Hadsel Insurance Agency
for over 22 years. He is the Operations Manager, a licensed agent
and a notary public. He has been a member of the
Northern Worcester County Landlord Association since 2018 and is
an experienced presenter. Hadsel Insurance Agency was
started 40 years ago in Medford, MA by Fran Hadsel. She is still
the active owner.

Networking time will be moderated by Patrick
Sullivan. Patrick has been an avid landlord since 2007 primarily
focusing on multi families in the greater Worcester area. Having
worked in high level IT his whole life he looks at things from a
different perspective which he applies to real estate. He
became a Real Estate agent in 2015 and now primarily focuses on
Sober living facilities for people recently out of drug and alcohol
treatment centers. Patrick sits on the statewide MassLandlords Board of Directors.

“No Sales Pitch” Guarantee

MassLandlords offers attendees of directly managed events a “No Sales Pitch” guarantee. If a guest speaker offers services, their presentation will not discuss pricing, promotions, or reasons why you should hire them.
We do not permit speakers to pay for or sponsor events. Guest speakers are chosen for their expertise and willingness to present helpful
educational content. Your purchase of an event ticket sustains our nonprofit model.

Wednesday, March 2^nd

Virtual Meeting Agenda

• 5:00pm Sign-in and virtual networking: you can chit chat with others as people log in
• 5:40pm Business Update
• 6:00pm Insurance Overview and Interview
• 7:00pm Virtual meeting ends

Participation is Easy

We have two formats of online events:

• Virtual meetings include optional audience participation via video, phone, and screenshare
  and are not recorded.
• Webinars have limited participation options (typed questions only) and are recorded.

Our virtual registration desk is open for all events one hour starting 30 minutes prior to the event start time.
Call 774-314-1896 or email hello@masslandlords.net for live, real-time help signing in
and using your technology.

If joining a virtual meeting, please use the zoom “test audio” feature. You will be
allowed to talk to others if your microphone is good and there is no background noise.
We reserve the right to mute anyone for any reason. Attendees without a microphone or who don’t want to be heard can type questions.

Virtual Meeting Details (hosted by Zoom)

We will share our video, audio, and computer screen and slides.

• Optional: You can share your video with everyone, talk to everyone, and type chat with everyone. Video sharing is not required. Talking is not required.

Password will be emailed and viewable online.

Topic: Insurance Overview and Interview Virtual Meeting March 2, 2022
Time: Mar 2, 2022 05:00 PM Eastern Time (US and Canada)

Join Zoom Meeting
https://us02web.zoom.us/j/85312291594

Meeting ID: 853 1229 1594
Passcode: Will be emailed and viewable online

Dial by your location
+1 646 876 9923 US (New York)
+1 301 715 8592 US (Washington DC)
+1 312 626 6799 US (Chicago)
+1 408 638 0968 US (San Jose)
+1 669 900 6833 US (San Jose)
+1 253 215 8782 US (Tacoma)
+1 346 248 7799 US (Houston)
Meeting ID: 853 1229 1594
Passcode: Will be emailed and viewable online
Find your local number: https://us02web.zoom.us/u/kwHK6l1aG

Pricing

Open to the public. Membership is not required!

• Public: $21
• Members: $7

This event will not be recorded.

Slides and handouts if any will be uploaded
to Rental Property Insurance.

v5

The state sanitary code defines what every apartment in Massachusetts must do and be. Unlike the building code, which is usually inspected only at time of permit completion,
the state sanitary code applies in all rentals all the time, and can be inspected at any time. Are your units compliant?

Few units are fully compliant. We’ll review the code in easy-to-understand detail and help you get a sense of where you may need to make repairs or improvements.

The state sanitary code is your biggest liability in a nonpayment situation, where a renter is being taken to court. They will be
able to counterclaim based on the condition of the apartment. If you anticipate having any kind of conflict resolution process
with a renter, it’s critical that your apartment is fully up to code and your position is one of blamelessness.

Note that this presentation is slightly longer than the standard one hour. There will be no business update.

This presentation will be given by Doug Quattrochi, Executive
Director, MassLandlords, Inc. Doug was a founding member of MassLandlords in 2013. He became the association’s first Executive Director under new bylaws in 2014. Since then, he has scaled the organization from a core of 160 members in Worcester to approximately 2,500 dues paying businesses from Pittsfield to the Cape, and from an all-volunteer team to approximately 20 full and part-time staff plus 50 volunteers. Doug has been instrumental in advancing democratic governance mechanisms, including score voting for policy priorities and a staggered and democratically elected Board of Directors. Doug also oversees the RentHelper spin-off, which is expanding access to electronic banking for those of us who are unbanked or underbanked. Prior to MassLandlords, Doug held leadership roles in various Massachusetts startups, two of which are still operating. Doug holds a Master of Science in Aerospace Engineering from the Massachusetts Institute of Technology.

“Doug’s presentation was excellent. He was very clear and provided a detailed explanations.” -Larry

“Doug always holds very informative classes full of substance and Very organized!” -Thomas

“Thanks to you Doug, and all who worked on this presentation, as it is obvious that a lot went into it, as you said. It was much to digest, but your presentation of the information, and especially your opinions throughout, aided the translation. Also, your answers to member’s questions afterward, regarding recommendations, were most helpful. Always a pleasure.” -Liz

Networking time will be moderated by Dana
Fogg. Dana started his rental business in 1994 with his
first Multifamily in Watertown. Since then, Dana and his wife have
purchased and sold rental properties around the Metro West
area. They now have 9 Units in Watertown and Marlborough. Dana is
the Vice President of the Metro West Property Owners Association.

Purchase your ticket in just a few clicks!

“No Sales Pitch” Guarantee

MassLandlords offers attendees of directly managed events a “No Sales Pitch” guarantee. If a guest speaker offers services, their presentation will not discuss pricing, promotions, or reasons why you should hire them.
We do not permit speakers to pay for or sponsor events. Guest speakers are chosen for their expertise and willingness to present helpful
educational content. Your purchase of an event ticket sustains our nonprofit model.

Wednesday, March 9^th

Virtual Meeting Agenda

• 5:00pm Sign-in and virtual networking: you can chit chat with others as people log in
• 5:40pm State Sanitary Code
• 7:00pm Virtual meeting ends

Participation is Easy

We have two formats of online events:

• Virtual meetings include optional audience participation via video, phone, and screenshare
  and are not recorded.
• Webinars have limited participation options (typed questions only) and are recorded.

Our virtual registration desk is open for all events one hour starting 30 minutes prior to the event start time.
Call 774-314-1896 or email hello@masslandlords.net for live, real-time help signing in
and using your technology.

If joining a virtual meeting, please use the zoom “test audio” feature. You will be
allowed to talk to others if your microphone is good and there is no background noise.
We reserve the right to mute anyone for any reason. Attendees without a microphone or who don’t want to be heard can type questions.

Virtual Meeting Details (hosted by Zoom)

We will share our video, audio, and computer screen and slides.

• Optional: You can share your video with everyone, talk to everyone, and type chat with everyone. Video sharing is not required. Talking is not required.

Password will be emailed and viewable online.

Topic: State Sanitary Code Virtual Meeting March 9, 2022
Time: Mar 9, 2022 05:00 PM Eastern Time (US and Canada)

Join Zoom Meeting
https://us02web.zoom.us/j/84821623460

Meeting ID: 848 2162 3460
Passcode: Will be emailed and viewable online

Dial by your location
+1 312 626 6799 US (Chicago)
+1 646 876 9923 US (New York)
+1 301 715 8592 US (Washington DC)
+1 253 215 8782 US (Tacoma)
+1 346 248 7799 US (Houston)
+1 408 638 0968 US (San Jose)
+1 669 900 6833 US (San Jose)
Meeting ID: 848 2162 3460
Passcode: Will be emailed and viewable online
Find your local number: https://us02web.zoom.us/u/klspWntoI

Pricing

Open to the public. Membership is not required!

• Public: $21
• Members: $7

This event will not be recorded.

Slides and handouts if any will be uploaded
to State Sanitary Code.

v3

This presentation will review powers of attorney in-depth. What would happen if you or a loved one were to lose the ability to run the rental business? A power of attorney may be needed at any stage of life, but typically these are end-of-life or estate planning tools. Attendees will learn:

• What is a power of attorney?
• How do I create a power of attorney for myself? For someone in need?
• How a conservatorship can override an invalid power of attorney.
• How to prepare to hand over a rental operation.
• Things to look for when taking over a rental operation.
• Springing vs. immediate power of attorney.
• Powers of attorney vs. managers for LLCs.

We will also cover general organization, including best practices for sharing online passwords with family, budget and financial information, and rental forms.

Attendees will leave knowing how to keep a business running even as it changes hands under difficult circumstances.

Melissa A. Gleick, Esq. concentrates her practice in several related areas, primarily elder law
and corporate law. Specifically, she works on
Estate Planning, Long Term Care Planning, Special Needs Planning, Asset Protection Planning,
Estate and Trust Administration, Equine and Pet Trust Planning, Guardianships, Conservatorships and
Small Business Planning.

Melissa was admitted to practice in Massachusetts after having earned her Juris Doctorate in 2007 from New England School of Law in Boston where she was a member of the New England Law Review and where she graduated cum laude. She earned her undergraduate degree from Anna Maria College in Paxton, Massachusetts where she majored in Criminal Justice and graduated summa cum laude. She is a member of the Massachusetts Bar Association.

In 2013, Attorney Gleick was recognized by Worcester Business Journal and was awarded their 40 under Forty Award. In 2015 and again in 2017, she was recognized by Superlawyers Magazine and was awarded their Rising Star Award. She has hosted the Money Matters radio show and has presented seminars on various legal topics to MassLandlords and the Better Business Bureau.

Networking time will be moderated by Patrick
Sullivan. Patrick has been an avid landlord since 2007 primarily
focusing on multi families in the greater Worcester area. Having
worked in high level IT his whole life he looks at things from a
different perspective which he applies to real estate. He
became a Real Estate agent in 2015 and now primarily focuses on
Sober living facilities for people recently out of drug and alcohol
treatment centers. Patrick sits on the statewide MassLandlords Board of Directors.

Purchase your ticket in just a few clicks!

“No Sales Pitch” Guarantee

MassLandlords offers attendees of directly managed events a “No Sales Pitch” guarantee. If a guest speaker offers services, their presentation will not discuss pricing, promotions, or reasons why you should hire them.
We do not permit speakers to pay for or sponsor events. Guest speakers are chosen for their expertise and willingness to present helpful
educational content. Your purchase of an event ticket sustains our nonprofit model.

Thursday, March 10^th

Virtual Meeting Agenda

• 5:00pm Sign-in and virtual networking: you can chit chat with others as people log in
• 5:40pm Business Update
• 6:00pm Powers of attorney
• 7:00pm Virtual meeting ends

Participation is Easy

We have two formats of online events:

• Virtual meetings include optional audience participation via video, phone, and screenshare
  and are not recorded.
• Webinars have limited participation options (typed questions only) and are recorded.

Our virtual registration desk is open for all events one hour starting 30 minutes prior to the event start time.
Call 774-314-1896 or email hello@masslandlords.net for live, real-time help signing in
and using your technology.

If joining a virtual meeting, please use the zoom “test audio” feature. You will be
allowed to talk to others if your microphone is good and there is no background noise.
We reserve the right to mute anyone for any reason. Attendees without a microphone or who don’t want to be heard can type questions.

Virtual Meeting Details (hosted by Zoom)

We will share our video, audio, and computer screen and slides.

• Optional: You can share your video with everyone, talk to everyone, and type chat with everyone. Video sharing is not required. Talking is not required.

Password will be emailed and viewable online.

Topic: Powers of Attorney Virtual Meeting March 10, 2022
Time: Mar 10, 2022 05:00 PM Eastern Time (US and Canada)

Join Zoom Meeting
https://us02web.zoom.us/j/88620287043

Meeting ID: 886 2028 7043
Passcode: Will be emailed and viewable online

Dial by your location
+1 301 715 8592 US (Washington DC)
+1 312 626 6799 US (Chicago)
+1 646 876 9923 US (New York)
+1 346 248 7799 US (Houston)
+1 408 638 0968 US (San Jose)
+1 669 900 6833 US (San Jose)
+1 253 215 8782 US (Tacoma)
Meeting ID: 886 2028 7043
Passcode: Will be emailed and viewable online
Find your local number: https://us02web.zoom.us/u/kXuZAMimt

Pricing

Open to the public. Membership is not required!

• Public: $21
• Members: $7

This event will not be recorded.

Slides and handouts if any will be uploaded
to Power of Attorney.

v3