where michael morin used to live and that was in two thousand and eight before i moved to vermont i was living in and i was very active in friends of the library there and i have enjoyed the resources of public libraries since i was that big i'm passionate about every community having a library think they're so important a healthy library really has i think it's its  finger on the pulse of the community they know what's happening and they adapt programs in books and other media for what's happening in the in the community  i think that this is an active library board and i'm not my children are all grown so i don't know what the programs  like for the younger children but i understand from so many people that they're very well received and you do and i think that's so important i mean taking care of our children vital another thing that's a good measure of the health of the community is how well we take care of our kids i'm a social worker that's why i sound like i'm going to i am now retired  but yes well you know it's like an engineer they never stop being engineers and i think social workers never stop we may tire from a paid job but we're always out there both socially nutritionally and we just help take care of  well i assume that the library board has already talked to you oh yes and you know richard you're probably well they said we really needed treasure and i said well as a former social pushing you into the trainer position anyway ok wait no there was a little bit king who was there last night she list saying well i can do some i have been a treasurer of some organisation congratulations and thank you thank you for stepping up to the plate leave like the senior people that are getting patients thank you really as you as you know the sidewalk project formerly into the underhill town line ready for construction this month or so ago we got final engineers cost estimate and it came in a little higher than what was originally planned when the town applied for fun not surprising considering how long ago that was i think it was quite a while ago but the film the board portion of the project that eligible for federal funding there's a part of the project about fifteen thousand dollars that involves installing drainage near the sinclair and down their driveway to deal with a low spot there because that's outside the right away to notable for funding so one way doesn't really matter that there isn't any federal funds available to cover that because it wouldn't cover it anyway that would be a total how contingency of twelve thousand which may or may not be needed bringing the total potential local cost to fifty nine thousand nine hundred ninety three which is about thirty four thousand dollars more than what we had anticipated one approach would have been two years ago or apply for additional funding and wait for the other ground which could push the construction out a year or two and then even if the town were to do that that it would have covered the the work outside of the right of way so it only would have covered  eighty percent of the estimated construction inspection cost of eleven thousand and eighty percent of the construction contingency which may or may not have been needed what is the construction contingency it's it's a he did it to you you put in ten percent of the agency makes you put in ten percent of the estimated construction cost as an additional expense in case bids come in higher than estimated or you run into something in the field that requires more work than the estimated so you're budgeting some extra funds in case it's needed but it may not be needed that standard why wasn't that part of the budget a lot i don't know i didn't i think this chair can answer that for you but you'll see that we do have the phones available to cover it the construction inspection cost pretty comfortable can be covered by what the town budgets for professional consultants which is what we do we pay the town engineer out of it as you see at this point and this year of the twenty two thousand five hundred we budgeted for pressure consultants in the state boards before the fire fourteen budget does include the use of twenty thousand dollars of that funding so if another twenty thousand is indeed needed it would bring the  balance of that research fund down to forty six thousand dollars there's also the twenty thousand dollars that you budgeted using of that is going to go to the three three projects that are going going to be underway as a result of r p c funding  first it's going to impact employers with fifty or your employees and for those employers insurance if you're you will have to be either up or through the exchange or if you're an employee of an organization like that and and and sure it isn't offered as an individual you'll have to offer it through the exchange  what's very different from the current situation is that assuming the town chooses to offer insurance which it doesn't have to could choose not to offer insurance but if the tone chooses to offer insurance employees will be able to choose whatever plan they want currently the town chooses the plan that it offers to employees and sets the percentage of what it will contribute with employees having the option to choose whatever plan they want it makes it more difficult to figure out what the town's going to fund because you can't necessarily p if the town chose not to offer insurance it's highly likely that the employees would stand for the town deciding not to contribute anything in order to purchase the insurance on their own will  that it ineffective creases their compensation but it increases the town's taxes which share of taxes insurance is in retirement that was the idea was that the individual could get a better deal with the tax credit there's no guarantee because we don't know the other incomes of the household so they may way to do like a special fund that isn't part of the same way that you do that we have those debit cards for what they call a help flex spending whatever because you put the insurance could you put health plan and if you're not offering a plan you can provide them with a whole savings account a flexible spending account i think the maximum annual contribution to that is twenty five hundred dollars in that state law or federal law  question goes back to how do you how do you decide what you're going to cover and was different plans cover a different cost like i said it's hard to get to one specific plans so anyway for single two person and family plans in addition to the deductible that the town covered and have that as what employees would be able to percent of the premium and provides oh i think it's eighty five percent of the now all employees go through the entire deductible right now so good to see a person plan t is two thousand dollars the town covers the first seven hundred fifty of that and the employees then on if they reach the seven fifty then the remaining two hundred fifty of the deduct what comes out of their pocket and then once they reach deductible the health plan kicks in to cover all the remaining expense for a two person family it's deductibles four thousand the town covers the first thirty five hundred and  then the employees on the response are for the remaining five hundred before the plan kicks in to cover the rest of the expenses one hundred percent so the most generous would be to take what you know so every year when i do the budget i project what the premiums are going to be budget ninety percent of those premiums and then budget with the town's potential liability is for the  goes through the deductible but you have to budget because they may so one way would be to take what the town budget for each person it's in the that it's in the budget for each person what we budget as their share for could take the the average increase of all the plans in the health exchanges say that's how much we're going to increase our share of what you're spending those have to be figured out now that that's just the the biggest issue for the employees is going to be that the plans that are offered are going to expose them to a lot more of out of pocket cos counting on your stance on health insurance you miss a big deal or you may say that that's terrible but the reality is that with under the snare i just described and the plans that have been filed for approval and the rates even if employees chose to what the town provide is they will not be able to buy as rich a plan as they currently have and they're going to have greater out the richest plan in the most expensive one of the town could possibly provide just barely covers the premiums for single and two person but not a family so this is going up this is going up for all and so the prices are going up what you pay for what you get are going  pocket if you go down to the out of pocket grand total oh it's fifty five hundred eleven thousand so whereas currently employees out of pocket maximum is two hundred fifty dollars or five hundred plus they're paying ten percent of the premiums right right which isn't that's not considered out of pocket right it's just by its by the plan but what you're paid for the plan but out of their own pocket they have the potential to have to shell out that fifty five hundred dollars for a single player or the eleven thousand dollars for a two person family i mean there's not there's and think that was very likely that the board was going to provide any more than what was budgeted right and they seemed to under stand that which would be then present plan and then you go all the way down to the bottom the numbers after single couple parent family and that is what we have budgeted for premium it's six six four oh i see you're at that rather than saying so you're saying it's six hundred sixty four dollars per person times i'm confused about this i'm sorry the numbers on the underside o how many employees are currently rolled as a single player and you put those numbers in there yes ok the numbers on the left a tissue plush to the left in the numbers on the right or what that's that is what we have budget broken out on a monthly basis so for the upcoming fiscal year for first single player and the time for the what we budget for our share of the premium and the deductible based on the plan that currently offer an annual basis divided yes right yeah ok so you did you multiply those times twelve times the number of people on those plans where you got the numbers on the right and then you added them and you got a hundred twenty five thousand and that's what we paid for in terms plus the deductible  because we're just paying the premiums yes that's not that much more and it's so much more savings for the employee then the next step down that i think we should get the platinum because it's only going to cost us three thousand dollars point of it is to lower health care costs and to keep there into make everybody insured because the idea is it saves money for the everybody if the families who do not have health care now because they'll be we have our contribution to because in the past it was this one plan you know we pay ninety percent of premiums but on this page that we're still looking at the most expensive plan that an employee he can even if all of our employees picked the most expensive plan are we don't to be three thousand dollars over budget no we wouldn't because we're only providing that one twenty five people who would choose a plan that is more family plan say i have a plan on me and my spouse and my kids are on it and you were funding that at fifteen eighty six a month and i read that correctly now i'm saying well i can't afford to do the plan the plan because i'm going to have to pay five thousand dollars a year in no but see then you're out of pocket to go up because your deductibles go up so much so it's like good news there's good news and there's bad the good news is our budget operating budget is down two hundred forty thousand dollars let me emphasize it's down this year and if you go five years ago we're down four hundred seventy six thousand dollars so it's not like we're spending earth way out of our problems we're trying to copy whatever we can here but the bad news is our revenues are down even more they're down for two reasons one is the infamous compost that cost us eight hundred thousand dollars we are i don't think we're going to get much renumeration out of who may have cost us but we're also been insured by from our league of cities and towns and they denied us coverage they did it where we've actually sued them they will see what happens there i was in the midst of it we have product liability insurance and they said it was so we'll see how that all goes right in the midst of that the other thing is we're a little bit of a victim of our own success our trash is at a fourteen year low in history and per person it's even further more for the bad stuff to help support the good stuff along with those which really occurred he ended myers is building a construction demolition recycling facility that's going to be up this january we gave him the grants to start that  early on to you know do the business play in the permits and all that the feasibility studies and so that's all going to be joined so we think there's going to be even less trash in the organic collection is catching on i mean it's going very good so  that's a good thing for us so our ffion trash is one third of our revenues the other third of our revenue is recycling revenues you know from the ceiling materials it's not bad but it's soft we're finding it's a pool markets europe it's china is nowhere near as strong as it was you know with cup week two years ago we were getting one hundred twenty three dollars in average last year we're getting ninety nine newspaper which aluminum how much plastic how much cardboard all those you multiply all times what it gets the average of that was two years ago one twenty three now it's down to about last year was down to ninety nine now we're down to about ninety two ninety three we don't ask not the end of the world i mean one hundred twenty three was probably too good to be true yes but it's soft so we have one that's hurting because we have less trash and we have to also pay for that  because we normally try to raise a reason for every five years this management fee or reasoning for instead of five so it's not a we're going to try to still get five years out of it to drop out sooner feed last year was going to be it's here but we were able to speak it one more year with that drop off so the bag of trash drop out center is going to go up from tree in a quarter to three seventy five but that should last us five years that pretty crease so what we try to do is five year increments because then we can at the gate are soft in terms of letting people trusting people have in their truck what they say they have in their truck yeah i just  think it's really easy to say i have two bags of trash and have more as it is to say this is all recycling and put it in the recycling even though it might not all be eligible for the recycling they're not they're not standing there saying hey that can go in there so a lot of you know for instance and i did this accidentally because i was so enthused when you told us that she plastic was going to be recycled possibly we're getting into that and then i found out that doesn't really apply yeah yeah i know you know we're doing a at the tape both inside and outside to make sure nobody went in the cash register and make sure that that car actually went around so that's what we have the cameras on system that's you know that's if you don't you're going to get caught for fraud  have to offer because the federal government doesn't allow h s a for domestic partners whether they be heterosexual or homosexual where we're not allowed and so we have to offer eight other kind of regular plans for those folks because it's prejudicial if we don't and so we're to pick a point for each and say the employees to answer your question you're going to pay two point eight percent of your salary into this pool will purchase this work and if you want more than that you'll pay for it that's up to you to pay for it so now they city the guy who does all that budgeting for them we call him and we're under because you know the hard part is that about jericho but our budget goes joy to do health premiums go january to december and we're below this time he and i think we're going to be below the next half because we tend to be conservative in budget ten or eleven percent in what we're seeing from the l c t without that new is joy first we should see what the rates are going to be in the new shirt i think the hard part for us is as we understand it if your employee you get to pay for all these other plans and we're just going to say here's what we're pa if you want that other one how about it but you're paying the difference or which i think kim is getting through what happens if they pick a lower point you know and then ok then they probably don't their premiums are not going to be as much you know be a little bit more having money in i don't know what jericho does but we belong to the g a four way government finance officers association and they're telling us you should have two months of your operating expenses was five years ago and that's with fuel costs going up that's when labor costs going up and that's with health insurance going up every year and we've just cut cut cut everywhere we can't try to get efficient we're down we're down this the way we handle the problem perhaps a self serving statement but we think we were very upfront with people that couple socialites year which we start making a product again this fall we were making a deal by the way that chemistry and biology is telling us we're making a good product today good you know i'm sure you're everything but she gave me all kinds of gardening life well what they were we hired people who were master gardeners and they were in the master's program at uva well she was the one is the one who came to my house was so good that even though i was without telling you for twenty three thousand eight years to think about the lawyers exactly eight years later they settle the four million dollar claim from twenty three thousand dollars less than a penny on a dollar so instead of going after the oh i'm saying how can you help me you know all of them are good that this woman was so knowledgeable and reassuring and that i believed her when she told me it would dissipate and she told what was going to happen oh this is as i said we were fortunate i think the the nicest part i mean we're talking we just sit down this between seven and eight at night and see her sure going to do today here's how we're going to deal with this here's the calls from down we're going to get these technical people boots on the ground we're going to go well and we just calm down every night between seven and eight o'clock in the can tell you that the state laughs at me because it was e mails he said there's not an hour in the day of the twenty four that we never got an e mail from you know over the over the not every day but pick up the garbage in between sixty eight to seventy percent of the united states then another ten to fifteen percent are done by drop offs you know you just go to do it we're now right here ten to fifteen percent of the country that you want to holler you just flick up a phone book and so there's not too many people converting that we're starting to do in the conversion and when they do we're not finding many who want to keep eight or ten hall or sixteen dollars you know they don't care they just basically said hey it's cheaper to go to waste management doorways ridgeley you know and there's not that community care no we want to keep a smaller business so we're having a hard time finding a good way simply because there's part of the u s commerce clause so if i was to just take a name i would take nolan's or clean green or tourville or whoever the case may be and say well let's give them part of  competitive you know you know they don't you don't have to have so much capital so so that's kind of startling it of funding doing the bidding in all that kind of stuff we're kind of going good on we're great no remember i think when we left we had like ten or twelve questions right six of them a billion six have not been so we're still working on it and there's no gun to our head so we know there's a strong economic savings but there's also concern about protecting the small  fund no it's somebody doesn't pay us we can still pay our bills it's cash flow you know the good just money well it's like what you guys can bring your check book because you're writing so many checks and a month that you've got to always make sure you can cover those for your expenses if somebody doesn't pay you right and so we always keep a little bit of a float i guess is what it's like  accounting so here's as i said really prefers that you keep your recommendation it's not it's a guideline it's not a rule that you keep sixty percent of your annual expenses as a float as a cushion in your in your checking account we keep count and it's not as much but we're not that we don't have that many here's here's one of the things one third that i said of our revenue comes from a feat that's a government payment so if anybody goes bankrupt guess who gets a dollar on a dollar we do on that so if if a holler owed us some money for the  we're a little bit more secure than some other people just like wills just like jericho if somebody went bankrupt here you get your property taxes dollar for dollar and if there's any money left the rest of the people split the way it works so we and we went to a marketer and they said you should be able to do it again when you're hurting for money you know to do this what with the likely new i guess you know more than i paid my quarter page after page and they said for that booklet going to every resident and shipping county and every business we think you could probably make you know for five thousand dollars signed with the boundary with the church the church is where the easements going to be our concern is now that we have very specific easement in size and property because if when we became a if some board was life it's going out of my head but there's a legal term that says that if you use a piece of property for twenty years during a year when you have a jurisdiction to to keep its waters right it's kind of like squatter's rights your eminent over there about three weeks ago the letter was his wanting a legal document written by a lawyer and he'll take down the trees and don't actually put in the driveway down that hill side for the church exactly so next time tim should be here on page three line oh line one fourteen i think about the lack of accent records i think it's accident records  have the contractor come in for the paving speed tables and straight being so the way we're thinking about it now is it will have probably not the paving can't start we have and i have that we did minimize the signage in terms of speed limit signs but you do need to have signed before each table saying that yes but as i understand it he's asked people to pass it around or to sign you know other people signed it but the folks that had talked to me on saturday were asking you