commission to step out of the room for a few minutes the from the users to the fire department and then there's the response the fire department itself which is a backup a second that is about ten percent of the overall obviously the fifty percent is probably the biggest battle for the buck as far as how many you know how how well your fire department works makes up fifty percent but the next one is water supply and how well it comes out of needs to get cheaper for correct that is correct now what that number is your best bet is to go to your individual insurance agents and talk to them about that and how that works with your individual policy because my discussions with my district company in order to prepare for this included that question but nothing nowadays a lot of it's done at some national office and you just they just punch in the number or your address and out pops of a premium for you but as part of that premium includes the idea so ready for the whole time for the built in that is something that's updated however often i sort of in this case it was two have been connected in order to increase fire protection basically for the whole building but all of those are either our calculations as to how the new system would work so what i also comes in to do with say ability for the whole village includes a full build up of all the different pieces that disappeared over the next ten twenty thirty years so incrementally we're ready we're going to be moving towards that reprocessing remember is that this community has commitments you know thirty years ago when we first started putting in the infrastructure and even more recently that we are going to be a fire protection system is that we've  consciously not to be a fire protection system and their rates are seven hundred dollars a year just for water they don't waste water it's coming  if all the buildings were sprinkled sprinkled if all the buildings had sprinkler systems in that ark if we chose if we said you know what we're not going to go for one hundred percent i  two hours as a step to see if that was something that to do two things to say it probably could do that but you're gaining the drop thirty one percent of your your storage for thirteen don't meet fire protection standard that wants the public comment i know i actually did not issue that notice a violation at that time and on the fifth of september james a brawny and came in and paid is fees to get a permit to relocate the structures  auction and we have a vendor from wants to sell wine with the huntington river neared and in order for them to sell wanted here we need a mission no tasting just some of their product so i'm coming before you as a request have lived here in richmond for seventeen years i've been very experienced in commercial real estate and residential development both here in town and out of town i work in burlington for a firm called bt commercial and we are from leading commercial realtor groups and shouldn't county and that requires on many many occasions for me to sit on that side of the table talking to develop new board folks and many towns saw done that many many times and  understand the process and flow that is required i think that one of the misnomers that occurs from the public side on a regular basis that all of you board meetings is that the public doesn't within the rules and regulations of the town is only by laws and out in regulations so i i feel very comfortable doing that hadn't washed seventy times seven sat in this room when i did my own i think my my my one kind of concerning question would be ongoing development within the community and how that would conflict with the role that you'd be playing in the army  personal development warrant well again i don't have a the old plant at the moment doesn't mean that i won't you know i do take a great interest in what does occur here in richmond regarding commercial development particularly rule whether i'm applying for a permit locally or through an act to fifty or waste water or storm water process that i've all been through there are rules and regulations and if you just follow the rules and regulations you understand what they're before you get into it then it should be a fairly smooth process yes you're going to have a but was that are concerned about what's going on and you're going to have people that appeal what you perhaps the like to see the last four or five decades and i think that is a good opportunity so i don't see it as a conflict again if i had something planned at this point well i would let you know but i don't and if i do have something planned that i  thing for them for the town so you know things like that i see as being needed you know do we need a full blown fifteen thousand square foot right it probably not but if they make an application that falls within  is your that you're the you're the policeman and you don't make the rules you don't make the laws you're there to interpret the foursome and in the end of i don't have to give a speeding ticket i want but if you're really going fast and it can get a little personal about things but but you really need to stick with the book and understand what's going on in the audience situation where board members that take their time to talk to you fully show some compassion and empathy if you will towards the african and let the african fully explain what they're trying to accomplish and how they're trying to do it and even though you as the regulator may know right from the beginning because you've read the future as without it you the day before you know the regulations that this is probably not going to go anywhere in its current form so to me it's a matter of trying to educate in a friendly businesslike professional manner to the applicant in a business decision would be to try to coach them as best as you can from this side of the table is to listen here's what we suggest you do as a board go back and realign your city your thoughts here make some changes here understand that we want to see this enrichment but we can't was a three ring circus that is if you again regulations are in place to provide a uniform approach to how we develop to fifty is and is another example of you know a very was no regulation process so there is a good part of that process that says here is the steps we must go through to approve so you know back to your question which is why we are around but if our coach try to help  there's no reason why we should be negative about what we're doing in front of someone who's coming into town or is in arlington is our own town wants to you know set up a business wants to generate jobs wants to create crops and that's what for several moves in construction process available if there's a conflict of interest so taylor fine ok so what i i'm just in the couple of minutes we've had to think about this i like to see new volunteers serve on commission commissions committees boards etc i respect mr words experience but i think i'd like to see new people come in and see what they have to offer it's really good people yeah i sometimes feel like we're continually going back to the park with the same people expect asking them to do the same job even though they're willing to do it i don't want to see burn out the utmost respect for both of these candidates i do i do think that it's nice to see mr donahue volunteering we don't we've made a few appointments and we've had a lot of volunteers lately but this is one that seems so difficult to appoint him and so it was a surprise to see his letter of interest so i do think it would be a good idea to appoint him to ok i'd like to make a motion to appoint my down here to the development review board questions we have the access permit come to us recently the parkers went to the development you were to get conditional use approval for a number of items related to their property and part of  question of access is different than driveway with the d r p has granted approval for the existing driveway with which is more narrow than the required access  so we did get an opinion letter for another opinion or whatever the explanation from kathleen and our highway foreman picazo and provided some information on the access with also which i need to clarify for the public  the driveway apron which is where the driveway meets the road and it flares out picazo and drew marks on the sidewalk because they are not not really for this but because of what they're going to do we're going to resurface the asphalt sidewalk and that measures twelve feet on the northern entrance and on the southern entrance it's really about seventeen feet but it can be widened to twenty feet because the asphalt been chunked away there there's a big hole so they're in there and it's difficult to tell where the original line was but you could make it as wide as you wanted to be but the driveway is much more narrow than that and i believe you have part of the plan that you can take a look at the chose to with some of the driveway so the question really is can you approve any variation from the standards for the existing t driveways and i think you know miss parker is here and she could tell you why did that make sense and if you have any questions for staff you can ask staff at that time so really just so the driveway is too skinny but the access on the road is just short a couple of feet or potentially a couple of inches right and that with the new pave the new pavement that's going down and it has the potential to meet the proper right that they would have to flare in the driveway tape or the driveway because the driveway was much smaller much more narrow than the required for a commercial correct ok ok so the issue is is it the driveway with or is it the access with the i think that the driveway with sorry been addressed by the t r p ok yeah access which really basically we're talking about six inches here well right in the northern one we don't is not is not an issue because that's residential it already meets the requirements of the southern one that doesn't meet because if we read pete's if we repeat e mail he says that that the to look at it is we're talking three inches on each side yeah ok you know i think it's kind of important to know this was never i think it was less about oh why is the driveway not the right size and why it's what are the actual apartments it was for me it was about more of how this was communicated to us as a board and i think the reason we couldn't make a decision on it is because we were told there could be a problem but were never communicated from the d r b or any any other office of this government that there was a solution before there had been an acceptance give a waiver given for this so i you know for me this was never about saying no you can't have a driveway and you can't have access to this building it was where was this two weeks ago when we could have just put this to about why were we told there was a problem and then had to go back for more information so knowing what we know now there's really no issue with this and there's cook now plainly good communication excellent so  for for a lot subdivision two of the laws have existing driveways and one of the lot says we use for agriculture this is the project with the through that lot around near a silo and then to about a location where the where lot really is so that driveway they have provided plans it meets the well foot width for a residential driveway and it meets the standards for the intersection of the driveway to the war lands for farming as well as to the new residents  so all of our it was all of our lines could be this rain it's not bad we have a two year highway equipment know for forty five thousand dollars which will pay off the balance of the loader that they bought this year two years one point six nine percent that we have a couple of fruit with no which is deeper street that's eighty thousand dollars for four years and that's it two percent you didn't solicit t d bank merchants bank and people's united merchants was the only one to respond that's been the case every year that i've been here rushing to the only one interested in short term government the rates have percent with merchants bank and it looks like with two payments two payments to starting october first two thous we all have to say yes ok resident i think the current holder of got about sort of ambivalent about it if you accepted the easement you would have to develop the trail right away i don't know that there's really any extra liability on the town for having that extra trail never heard from a lot of residents on the issue there's not a really compelling argument for or against doing i would say trail and they could choose whether they didn't want to purchase the house that's that's kind of the only protection that a future landowner and if we if we took twenty years to develop it it would we could still believes in the permit it's in the deed i think we should take this and in twenty years if we have the extreme need for a trail there it would be nice to have it and i think those houses will get sold no matter what so yeah i mean i know i mean behind our house we have an access to our woods and i our neighborhood would be remiss if that didn't exist there and i think that i think this is a good thing to have so that you don't see that you don't have random people on other random people's property is that this is the designated traveler access yeah yeah i moved to except this year ago couple offer dedication the second that we've recommended for choices that are similar to what we have now similar exposure for the employee and what looks to be less exposure for the have to sign up with health connect as an employer and say this is how much money we're going to give towards the point after that employees can start in the world so i don't expect us to make a decision tonight but i do look like him plan which is not exactly like any of these plans but we cross blue shield and if b p are the only two players in the health connect in the piece premiums are slightly higher i don't see a compelling need to go with him v p at all because up to par or up to the maximum or they if they don't use them actually and they can roll it over from year to year there's a big distinction between that and we stand there plans a standard claims you cannot have a health savings account the employer can offer health reimbursement account which is the airport or pledges to fund up to a certain level but only pays upon reimburs or receipts from the employee so therefore potentially the tail would have a lesser exposure because they wouldn't be pain they wouldn't be are obligated to pay everything they committed to without a receipt we would have to use a third take a look at your spreadsheet also eliminated the so called nonstandard planes we just were comfortable understanding what the benefit would be to go with a nonstandard plan premiums are slightly lower but the different and it's also the most confusing to predict so if there are a couple of changes that we made to our current costs right employee handbook says only employees full time employees working thirty two hours the affordable care act has any employee thirty or even employees we consider part time so we will have one hedging thinking that an employee might opt so if they opt out we still have to pay if you have to budget so why otherwise you're going to get somebody that policy with some of the places that we're not looking to you could actually be paying with the plans that we're looking at here you're actually going to pay less some of them are less than others and it really is a shell game between premiums and deductibles and employee exposure for your like i said before all of the benefits are all the same it's just how you pay for it so we take a look at the employees would be slightly less under this as far as a deductible for us now there's a poll here that we can't really show on a sheet which is what's called the out of pocket preventative care like a regular annual visit is that's covered but if you want to go to a specialist you if a co pay applies you pay your co pay if a co pay doesn't apply then you pay whatever you have to pay until you reach your deductible at which point at which point then you pay if you have to like if you have an m r i that you have to get and that m r i cost ten thousand dollars and you've already met your deductible you'll be responsible for whatever percentage seventy or thirty or sixty percent of that m r i because you've already met your deductible up here up to your out of pocket  then you're still you have to pay over your deductible up to that out of pocket max which i think what we've been talking about with the integrated and not is that out of pocket max can either be for an individual and or it can be for the for the staff or the ok right right so i could meet my out of pocket to dr bill but my partner might not but we'll still have to pay if it's not stacked right or if it's not  yeah other other insureds would still have their part of the done so if you have a very sick person in your family and you're not and your stack to not aggregate that could be a detriment to the rest of the family because that one person is going to hit their out of pocket but the other people in the family still have to meet their out of pocket but if it's aggregated and you have one very sick person they could need it for the entire family right just talking about with the blue cross blue shield silver high deductible plan for an individual the out of once you've met your deductible the out of pocket costs then be fifty seven hundred dollars fifty seven fifty and for a family would be eleven thousand five hundred and i can't tell if that's jacked oh it's aggregate and two times the individual right so it's going to be eleven thousand five hundred for a family and that's once you've met your deductible which it sounds like the town is paying a majority of the did dr paul correct so yes seventy thirty and then that could be paired  the the the fifty seven fifty or the eleven thousand five hundred could be paired with a health savings account so that the exposure to the family or to the insured is is then even less and because by the health savings account you're putting pretax dollars away to help pay for this and it sounds like the town is even contributing to a health savings account only based on the deductible month yeah ok gotcha so so the risk is then reduced if if you say the town could potentially cover even the out of pocket deductible for the employee then that's a potentially a thousand plus or minus benefit on top of you know it reduces your exposure for out of pocket even more right so that here and so just just looking at this other chart that i have from taylor here it's you know some of the other kind of things about that's nice about this is obviously preventative is included it's integrated out of pocket maximum it has integrated doctor balls which again that's for the family it's not everybody counts the the exposure to the insure is lower on all of the co insurance percentages so for example the hospital services twenty percent for the insured versus fifty forty in some of the others  however the office visit looks like it's not a straight co pay it's a percentage rate so insured so that would be ok stack they're not aggregate in there's also nonintegrated with prescription so things are more seven so this plan has more exposure to the employee but it's still pretty good on the premium however if you take a look at the gold plan you'll see that we're the silver deductible so it's silver premium for the employers one fifty three the premium  for the go players one seventy four which is twenty one thousand more but the deductible costs under the current policy go from thirty down to twelve thousand which makes it three thousand dollars more than the silver plan here is even more that they were poised to share that was actually a lot less than what they're paying i think that's the end all of our kind of discussions about this i think that's what i found most surprising uses is that the employee doesn't pay a premium i mean even as a state employee i play pay a premium and i just thought that that was  among my colleagues to go into the platinum play and because that's all they can do because of collective bargaining contracts we don't have that here so mom can tell employees this is what we're going to  about the gold plan is that the out of pocket maximums are so much more so you could potentially save money you're out of pocket maximums are forty to fifty eighty five hundred instead of fifty seven fifty eleven five with the like don't on the contrary it's stacked and it's not integrated trip trip but so when i look at these is the way they get to break that's where they make up their money but if you take a look at the high deductible plan and you come down to things like mental health visits specialist offices that urgent care an am these are all percentages so that's a co insurance that you're paying a part of that service over on the gold side which is where i tend to believe we should go you pay a co pay so that basically the chance that you get towards that out of pocket maximum are actually decreased by that struck right right because things that people go to on a regular basis are just going to be co pays at a fixed amount right hander twenty or fifty or one hundred dollars as opposed to a percentage of a service rate so although it's stacked and the stacked seems to cost more the way it's structured is in my opinion it is better for the uninsured because the cost to go to those regular services is going to be less or more you believe the hood of a situation where an employee's family is put it financially very difficult situation pocket maximums come in but it right there and i think the lower you bring those down the more the safe areas for the insured and then the other place i looked carefully was at the prescription drug coverage pre standard but it is cheaper than the rest of  the gold plan believe it or not i believe the cost is like three thousand dollars or more four thousand more than the silver and it's better cover yanto yeah even though it's a significant savings and even with the gold standard plan even if we don't shift one hundred percent or one hundred percent of the seventy percent of the deductible into the employee shifting fifty percent of the seventy percent like maybe doing it at thirty seventy would still make it affordable for the for the sure to the employee and also still be way under where what we're paying now right don't see that it's an extraordinary risk and you get down to total cost of around the hundred seventy four thousand dollars to the to the tail which is you report yeah i think that that makes sense is there is there a flexible spending account on any of these we can establish a flexible spending account you would really need s because the premiums are the highest of all the plans but the out of pocket next of them is the lowest so in that the deductibles are next to nothing for th so i would say that if you were going to get the employees to meet you're going to get out of the deductible business he wanted to pay a percentage of the premium but you wouldn't want to make a big shock is that you would choose this plan to pick a percentage where there they'd be paying comparable dollars to what they're paying now and you could get the cost down the figures it would not be the cheapest plan even doing that  but if you got ten percent of the premiums you know you'd be down to room hundred eighty thousand total cost of the town which is still more than the gold plan that what we stop you but you might want some time to think about it and then at the october twenty first meeting we would certainly have to pick a policy and keep in mind that you can't tell me please which play and to take you can only say we're going to fund  this plan at this level and if you want to pick another plan that's less expensive you're free to do that but we don't give you the difference ok that's question right there if you pick a more expensive place and when you have to pay the difference yourself so really all you're employee can choose any plan on this sheet they would be responsible for the cost in excess of what you are there any that we can do that we feel like maybe we can eliminate and choose between you know kind of say we're between these and then think about the request back at the i think there's a good reason for that but i just took their numbers of from this year and carried it over but this is a very rough first cut of what the department requested  changes but it's not is not due to any major restructuring i think keep costs will decrease because of our efficient gas boilers and also the use of ten center rig funds to pay for that it's going to decrease the trash removal is increased significantly we may have to explore an alternate holder for that and we have to go up to that to that but it's it's up substantially from where  be and also our insurance costs are increasing as well as training budget and there's also a three thousand dollar request to purchase permanent tracking software as we go through this you know you may eliminate that there may be a way to purchase continue at a higher rate you know for costs have increased with the turnover they're decreasing their computer budget because they're ending their replacement cycle they've increased their supply budget they also increase their gasoline request which i might think is reasonable and the most significant increases another ten thousand dollars to the police cruiser line we've been purchasing or pretending to purchase police cruisers at twenty six thousand dollars for about seven or eight years now twenty six thousand dollars is on reasonable that the model that we've been purchasing is going to be unavailable next year we're going to have to go light bar or roll or the prisoner cage or what have you he's saying we're going to need thirty one thousand dollars for or thirty thousand dollars for the club cruiser plus outfitting cost so that's what he's put in there every department there every class point one employees have their salary line is going above two percent their overall budget is down they've gone back down to an eight thousand dollar reserve contribution  i would urge the select board to take a second look at that we may not be able to change that but they use their reserves for capital improvements and the library is an old building  series of needed improvements and if it's possible to fund that at a higher level i think it would be put to good use of the fire department has added two new lines for pump testing in those testing for reasonable costs is something they have to do they've been trying to use it under other lines but with don't start testing cos they found a lot of repair costs for failing equipment and they can't use the same line  anymore the big increase with the fire department is going to be the request to replace their twenty year old fire truck that's going to be between three hundred fifty and four hundred thousand dollars and chiefs will back the code in a later date with a proposal i know they're talking about that tonight  and that will be a question for the voters here is whether they will purchase that you know the good news is next year is the last year of the five year fifty thousand dollars payment for the truck we bought five years ago so it's entirely possible that the new truck will just replace that line item well yes i can't predict because we took out a five year note for fifty thousand five hundred year so essentially two hundred fifty two thousand dollars of that had a plan the last time to use capital reserve plus a one time increase in the reserve for fiscal year ten i believe to be able to down pay that reduced the borrowing costs five hundred thousand that's going to come off at about the same time you would have a new truck on so that may have to increase but substantial part of that news is already include other recreation budget doesn't have any major changes to some of the surplus ones we use are going to use to replace the roofs on the structures this year will come out but keep in mind volunteers  green could do some work there maybe some requests for baseball field work some other kind of improvements down there i think facilities are generally in good shape but are getting a little tired and the done the appropriations lines i've just carried them over and i would request service starting to trickle in for the agencies we give money to so that will be up to me with the highway budget salaries are up above to two percent including lines again or the retreatment which is the asphalt paving in the gravel plans going up according to the adopt a capital plan so it's thirty thousand dollars storm drain work has increased to do reflecting additional  result of the summer floods not just because i remember pete came in and said you know he may be behind me have to do some extra work this year and next year i mean i get to some places just know that i'm go bring department heads in ok i can answer that but no there's no modification to any of his previous schedules there may have to be because he certainly behind on his gravel way and so you're very typical he does the gravel the gravel plant in the fall so if he does this here in the spring the next years in the fall you're talking about four hundred thousand dollars worth of gravel planned do we have that capability let's talk sta post office revenue to potentially pay for something like a new website and i didn't know that was judicious use of those funds because it is to go to the town center which  is the town and we we we really like we've been talking about this for a year i mean and we just need to pull the trigger we need to pull the trigger and it needs we're at the point where this community needs to make an investment in the community and taylor i respect what your money your feedback swan's about this effects plus thing that we saw but you know doing an r p process to get a local person to potentially come in and do it when there is already an established two beautiful products that are here directly towards government that have all the add ons that we are that we want like a permit tracking like complaint tracking like  you know what is it the emergency management kind of like blast that that does cost a chunk of change to to get going you know the bed was what eight or nine thousand dollars in that an i'm going annual basis but what we have right now is not functioning we can't add stuff when we need to add it we're running out of room on the website for things that should be up to the public should be should have access to it's it's not working yet like this like big polluter engineering reports and the impact on those on our infrastructure i mean anything like where we we we don't we don't have that capability we shouldn't rely on somebody at eighty five dollars an hour to upgrade it that this community let's think of level of service what is the level of service that we want to provide this community do we want to provide a three or four page basic website which frankly is what we have now or do we want something that's fully integrated and  a company and a multiple companies nation right companies that the do this sort of thing for all sides communities including many that are our size and smaller frankly and that look professional if we want to attract business and we wan to have local control over this to me that's this is what these post office funds to me are for for the extra revenue that we get are to do the things that we need to invest in this community like a parking lot like windows for this building like a functioning website for two thousand and thirteen almost fourteen i'm done there templates out there the question is what what image do we want to project and what services do we want to provide and how useful do we want to read it to the public to meet the smelling smelling center is useful for small towns that maybe do not have the type of integrated committees that we have extensive committees that we have that want to attract the type of business that we want to attract and and to me it's it's not professional like it's it works and it's out there but it's a step slightly above what we have investing just a little bit of money initially and then for ongoing maintenance to a company that specializes in muni government websites to me isn't good investment their work and they're more integrated and it's and there are they're built you plug in your information and we control that we're not having to rely on somebody else paving items that we have thrust the paving has been done and they are going to put what they call asphalt shimmed sidewalks out here on bridge street and also a little bit in a couple of other areas just to try to keep it together because then you know they are going to bring something some ideas to you later on which is help to put together a concrete sidewalks without doing a major bond issue and perhaps doing phases of work that can be done managed inhales along with some other work bridge street store water infrastructure is really crumbling it's really bad shape so we have to try to do two things at once and none of it's going to be cheap or easy but may be able to manage it paying cash for series of more months to go on the park and ride and there are going to be continued traffic delays are working on the shoulders they're crossing with electrical lines and it's still a complicated project and they will pave that probably  at the end of this month early next month and i think that's about it for major projects this year the construction season is winding down there are a couple things we've got out there actually that there is a graduate project for the georgia approach we submitted to fema they rejected and i'm going to prepare an appeal for that i don't know if he'll ever prove that but it is still charging the brook would help also replacing the culver with a fifteen foot box over i think would be great but we don't have any plans for that yet but we're still working on tower it with multiple locations on it the first one would be veto which is wireless broadband the other location it would be leased out to other carriers which could be varieties and eighteen tea table but it's up to