Exercise R1 -- Business letter

In this exercise as well as others that follow, copy and paste the text in this Explorer window into a new Word document. Be sure your name is typed in at the very top of each exercise so that when you print it, you will know the work is yours when you retrieve it from the printer.

Using Word, re-do the letter in correct business format. Be sure also to do steps (1) to (7).

1. Substitute your own name for Patientia Complainer
2. Use the spell checker to correct the spelling errors.
3. Using the Replace command, substitute the word television for radio.
4. Boldface the word television.
5. Make the margins 1 inch.
6. Save the document with the name ex_r1_harrisletter on your diskette.
7. Print and place in your classwork folder.

(Address of sender and date) 284 Bayshore Drive Huntington, New York 12454 September 2, 2001

Mrs. Martha Harris, Manager Deceptive Electronics 743 Warren Blvd.Clearlake, Florida 34699 Subject: Stacker short wave radio, Model 43 Serial number 23213AP

Dear Mrs. Harris: On September 1, 2001, my cousin Janice Hoodwinked purchased as a gift for me one of your Stacker radios. When I opened the box, the directions and warranty card were missing. I suspect that someone had previously purchased the radio, sent in the warranty card and then later returned the radio without troubling to inclose the instruction booklet.The radio appears to be working fine except for some functions that I can’t figure how to use without the directions. Please send me the directions booklet and a valid warranty card. I would also like a letter from you verifying that my radio was not a returned, defective item. If you can’t comply with this request, please tell me how I can go about returning the radio without spending shiping charges.I have several friends and relatives living in the Clearlake area who frequently purchase items from your store. I would like to be able to tell them that you satisfactorily took care of my concern. Sincerly,(Mrs.) Patientia Complainer

Exercise R2 -- Memo

Set-up in memorandum format the message to Nancy Harris.

1. Save your work on your diskette as ex_ r2_condomemo.
2. Use Times Roman font, 14 pt for your body text.
3. Boldface the words To, Date, Subject, Copies at the beginning of the memo.
4. Use the Replace feature to replace I with we.
5. Then turn the red text into black text.
6. Format each heading (Take a Stand, Please) as Heading 2.
7. Delete the word HEADING in front of the two headings.
8. Make a square-bulleted list out of the red text.
9. Print your work and place in your class work folder.

To: Nancy Harris, Board President, Waterside Assoc. From: Edward Richards, Chairman of Building Committee
Date: October 15, 2004 Subject: Decorating halls by individual owners Copies: John Thompson, William Kaiser, Ethel Hart, Janice Forest, Tina Wyn, Jake Harper, Billy Thursday, Caryn Hall, Millie Kaiser

HEADING Take a Stand, Please
I urge our Condominium Association Board to take a stand regarding the display of personally owned items in commonly owned areas in our building's hallways. I agree that in some instances, these personally owned items help to make the hallways more attractive, but in other cases, I find them hurting rather than enhancing the decor of our building, cheapening it rather than enriching it.If the Board takes no action, I fear more owners will decorate commonly owned areas, forcing their individual tastes on their neighbors.
HEADING Specific Guidelines Needed
If our condo regulations restrict such display of privately owned items in common areas, I urge the Board to enforce these regulations. If the Board decides to allow some items such as mail-baskets, I request the Board spell out in detail what is not allowed. The specifics should deal with such questions as these:

If doormats are allowed, any size limits? Can they be any color or pattern even if they clash with the hallway rug?

How about the acceptable size or placement of artificial plants or trees?

Can religious symbols be displayed on the exterior of apartment doors and along adjoining walls?

If owners find the hallways unattractive, the answer is not in each owner taking individual action, but in all of us working together as an association through our elected Board, adhering to our condo rules designed for the common good.

Sincerely, William Johnson Robert Morley

Exercise R3 -- Sales table

Using tabs, set up the following information in an attractive chart format showing the total in sales for each salesperson for four months.

1. Make your page layout portrait style.
2. Change your left and right margins to 1 inch.
3. Change your body format to Arial, 10 pts.
4. Save your work as ex_r3_tabsales
5. Make all your tabs center align.
6. Place your first tab at 1.5 inches, your second at 2.5 inches, third at 3.5 inches, fourth at 4.5 inches and the fifth at 5.5 inches.
7. Make all your headings boldface, Arial 12 pts.
8. After a final save, print your work and in place it in your classwork folder.

Exercise R4 -- Flyer

Turn the following text into a flyer that you might consider distributing to your neighbors. Be sure to --

Make the title Breakfast at Tiffany's WordArt (You'll have to turn on the WordArt toolbar)

1. Save your work on your diskette as ex_4r_breakfast_flyer.
2. Increase the text size
3. Change the body font
4. Use a bulleted list
5. Center the body text.

**********

Breakfast at Tiffany’s

Great opportunity to meet your new neighbors on Stafford Circle and renew old friendships.
Join us for a get acquainted breakfast.
When: Thursday, December 18 at 9 AM
Place: Tiffany’s Restaurant on Highway 19 in Palm Harbor
Everyone on Stafford Circle invited.
Separate bills – so eat as much or as little as you wish.
Reservations required. Please call or email me (Your name) to tell me you’re coming so that I can let Tiffany’s know how many places to prepare.
Phone: 727-111-2222 E-mail zsszt127@ij.net

Exercise R5 -- Moving text

From the Oxford Book of Aphorisms, chosen by John Gross. Oxford University Press, 1993.

• Reverse the order of these aphorisms so that the last one is listed on top, number 17 is listed second from the top, number 16 is listed third from the top, etc.
• Boldface ten words.
• Italicize ten words.
• Make each sentence a different font style and font size.
• Save your work on your diskette as ex_r5_aphorisms.

1. People who cannot bear to be alone are generally the worst company. Albert Guinon, c. 1900

2. Nothing will ever be attempted if all possible objections must be overcome. Dr. Johnson, Rasselas, 1979.

3. The lazy are always wanting to do something. Vauvenargues. Reflections and Maxims, 1746.

4. The way to get things done is not to mind who gets the credit of doing them. Benjamin Jowett.

5. When you hear a man talk of nothing but his father or grandfather, or some great-uncle, what they said and did, what places of honor or profit they filled, you may then take it for granted that he has no merit of his own to recommend him. Anon., Characters and Observations, early 18th century.

6. Everyone has observed how much more dogs are animated when they hunt in a pack, than when they pursue their game apart. We might, perhaps, be at a loss to explain this phenomenon, if we had not experience of a similar in ourselves. Hume, A Treatise of Human Nature, 1739.

7. A nation is only at peace when it's at war. Hugh Kings mill

8. The worst evil of being in prison is that one can never bar one's door. Steen, The Red and the Black, 1830.

9. A true friend is the most precious of all possessions and the one we take least thought about acquiring. La Procedural. Maxims. 1665.

10. The art of living is more like wrestling than dancing. Marcus Aurelia, Meditations, 2nd century. Marcus Aurelius, Meditations, 2nd century.

11. To forgive is human, to forget divine. James Grand, c. 1980.

12. How often could things be remedied by a word. How often is it left unspoken. Norman Doubglas, An Almanac, 1945.

13. Love is blind, but marriage restores its sight. Lichtenberg, Aphroisms, 1764-99.

14. The test of good manners is to be patient with bad ones. Solomon Ibn Gabirol, The Choice of Pearls.

15. The best way to find out if a man has done something is to advise him to do it. He will not be able to resist boasting that he has done it without being advised. Contesse Diane, Maxime de la vie, 1908.

16. To teach is to learn twice. Joubert, Pensees, 1842.

17. The great man is he who has not lost the heart of a child. Mencius (4th century BC)

18. It's not I'm afraid to die. I just don't want to be there when it happens. Woody Allen, Getting Even, 1971.

Exercise R6-- Showing all skills

Use all that you have learned about formatting to make this document easier to read and more attractive. Some things to be sure to do:

• Make headings.
• Indent.
• Change the margins.
• Use boldface and italics.
• Makes lists.
• Insert or remove line spaces when appropriate.
• Save your work as ex_r6_ rules.

Classroom Rules and Procedures for Mr. Gordon's English Classes.

1. Notebook: Use a looseleaf notebook for English; bring it each day to class. Divide your English looseleaf into these sections: (1) Assignments; (2) Journal/Log; (3) Grammar; (4) Composition; (5) Literature; (6) Spelling; (7) Vocabulary; (8) Miscellaneous. The last two pages of your notebook should be your "Grades" chart and "Books Read" chart.
Insert teacher-prepared study guides and worksheets in their related notebook section. So, for example, if a worksheet is on verbs, punch holes in it for your notebook rings and then insert it into the grammar section.
Mr. Gordon will often collect individual sections of your notebook without advance notice to make sure that you are taking notes and doing written notebook assignments day by day. Don't make the mistake of thinking that you can earn passing notebook grades by not taking good notes for days or weeks and then -- just before your notebook is collected -- catch-up by copying the notes from other students. The purpose of Mr. Gordon's frequent notebook check is to make sure that you are taking notes and doing written work when you are supposed to be doing it.
You will not be allowed to make up a zero for a notebook section that you did not turn in on the day it was checked.
If you miss notes because of absence, after your return to school, you have three school days to copy the missed notes from a classmate or to get them from your teacher during the ninth period.

2. Grading System: Mr. Gordon will use a "weighted" grading system. Such a system allows some pieces of work and tests to count more than others. Weekly spelling tests, for example, will have a weight of 10 points; a composition, however, will usually be five times more important and have a weight of 50 points; major unit tests will have a weight of 100 points, making unit tests ten times more influential in determining your final quarter average than spelling tests.
When Mr. Gordon grades your papers, he will write your score in the form of a fraction. For example, he may give you a composition grade of 45/50 -- which means that you earned 45 points out of a possible 50; perhaps on a grammar quiz, your grade may be 18/25 -- which means that you earned 18 points out of a possible 25. The second number in the fraction, which gives the maximum possible points, also indicates the weight of the grade. From the examples just given, you can see that the composition was twice as weighty or important as the grammar quiz grade in determining your average.
Mr. Gordon will tell you how much a piece of work will be worth before you submit it for grading.

Example: Here are John Imaginatia's grades for the first quarter; see if you can figure out here quarter average. The trick is to add up all the first numbers (numerators) in the fractions; then add up all the second numbers (denominators) in the fractions; and for your final step, divide the total first numbers by the total second numbers.

Spelling tests: 8/10; 9/10; 5/10
Unit Tests: 88/100; 72/100; 94/100
Compositions: 45/50; 48/50l; 35/50
Missing regular homeworks: 2

In Joan's case, her total numerator or total earned points came to 404; her total denominator or total possible points came to 480. Dividing 404 by 480l equals 84% which is Joan's average for the quarter before the two points are deducted for missing homeworks. Subtracting the these two points gives Joan a quarter average of 82%.

3. Daily Homework: English homework is given every school day. As soon as you walk into the classroom -- even before the late bell rings -- begin copying the assignment written on the board.
Assignments must be dated, numbered and written in the "Assignments" section in your notebook. You must keep all assignments copied from the board in the Assignment section until your teacher tells you to remove them. So, if Mr. Gordon tells you that you will receive a test on all grammar assignments given in the last month, you will have kept a list of these assignments in your notebook and, as a result, you will know exactly what work will be on the test. Then, too, with the help of your Assignment section, Mr. Gordon can easily make sure that you have been copying down your homework assignments each day. Your parents, also, may wish to see a record of the English homework assignments you have been responsible for during the year.

One point is deducted from your average for every regular homework assignment not handed in on time without a legitimate, written excuse. Incomplete, illegible, or unacceptable sloppy homework will not be given any credit and will also result in a deducted pont. (Compositions and book reports are considered special assignments discussed in item 4 below.)
Unexcused, missing regular homeworks may not be made up. Consequently, do not make the mistake of thinking that you can miss several homeworks and make them all up during the last week of a quarter.
If you are absent the day an assignment is given, you are responsible for copying it into your notebook the day of your return. (Ask a classmate or see your teacher during the ninth period.) You have three school days to make up an assignment missed because you were ill and at home when the assignment was given. So, for example, if an assignment was given on Monday and you were absent that day because you were ill, you would not be expected to hand it in on Tuesday -- the first day of your return. You would have until Thursday.
If you are absent when as assignment is due but were present when it was assigned, you must hand it the assignment on the first day of your return to school.
If you have any special reasons for not being able to do an assignment on time, be sure to speak to your teacher before the due date. Extra time will be given under special circumstances.

4. Late Special Assignments: When compositions, book reports, and other special assignments are late without a legitimate written excuse, ten percent is deducted from your grade for each school day passed the due date. So, for example, if you handed in a fifty point composition one day late, the highest mark you could receive on it is 45 because you got 5 points for lateness (10% X 50).

5. Raising Failing Test Grades: If you fail a test, you may raise your failing grade to the minimum passing level by taking a re-test after seeing your teacher for extra help during the ninth period. Your re-test must be taken no more than five days after the original test was returned to you. The highest your grade can be raised is to the passing point.

6. Raising Failing Composition Grades: If you are unhappy with a composition mark, you may raise your grade by seeing your teacher during the ninth period for individual help in improving your writing. Then, you may rewrite your composition or submit a new one. This revision or new submission will be averaged in with your previous composition mark. For example, if you receive a 30 on your first composition and then receive a 48 on your revision, your final average grade for that composition would be 39. (Remember that most compositions will count as fifty pont grades.)
Your revision or new composition must be submitted within five school days of the date your original composition was returned to you. So, for example, if your original composition was returned to you on a Monday, your improved version must be turned in by the following Monday.

7. Talking in Class. Students are expected to raise their hands and wait for teacher-recognition before talking out in class. (Students also should raise their hands for permission to leave their seats during the class period unless they are going to the "Help Board" in back of the room -- see item 17.)
No student should be talking at the same time the teacher is talking to the class.
To be prepared for class, you must bring your notebook and a pen or pencil daily; you must also bring the textbook asked for in the homework section on the board at the pervious class. (Your three English textbooks -- grammar, spelling, and literature -- must be covered.)
One-half point will be deducted from your average for every unprepared mark; however, you will be allowed to remove these unprepared marks by doing a good deed for the class (neatening up the room, erasing the board, cleaning desktops, tutoring another student, etc.)

9. Room Pass: You must fill in the pass-record chart whenever you leave the room during class time. Students who abuse the pass-taking privilege will have to make up missed class time during the ninth period

10. Book Reports: You must do a minimum of four book reports per quarter. By the end of the school year, you should have read a minimum of sixteen books.
In the "Books Read" chart in back of your notebook, you must keep a list of all the books you have read during the school year.

11. Heading for Papers: Refer to the chart taped on the wall above the blackboard.

12. Honesty in Taking Tests: Please keep your eyes on your own paper during tests. Students suspected of cheating will be required to take a make up test. If there is undeniable proof that a student has cheated, the student will receive a zero for the test with no chance to make this zero up.

13. Message Box: You may use the box in the back of the room to communicate a private message to the teacher. Feel free to make suggestions or complaints. You do not have to sign these messages, but you should give your period.

Drop your messages in the box at the very beginning of the period during assignment-copying time or at the end of the period during clean up time

14. No Gum Chewing

15. Extra Credit: Students may earn extra credit by doing special projects assigned to them during the ninth period. The maximum number of extra credit points that may be earned in any quarter is five. No extra credit projects will be assigned during the last five days of any quarter.
A student's quarter average may not reach 100% as a result of extra credit points. So, for example, if Joan has a 96 average without extra credit and does extra credit work worth 5 points, her quarter average could only climb to 99%. (The extra two points cannot be carried over to the next marking period.)

16. Detention Room: If a misbehaving student is sent to the detention room during English, on the same day, he or she must see Mr. Gordon during the ninth period to make up the missed work.
If the student cannot appear the ninth period because of a scheduled class or another legitimate excuse, then the student would leave a note in Mr. Gordon's mail box indicating when he or she can see Mr. Gordon within two school days for the make-up work. Being in the detention room is not an acceptable excuse for being unprepared for texts, missing homework or notes, etc.

17. Help Board: If you have a question or a problem that your teacher cannot immediately handle, write your name at the blackboard at the rear of the classroom under the words "Help Please." You may leave your seat without permission to write your name on the board as long as your manner of doing so does not distract from the lesson.

18. Spelling Tests: Pre-test usually will be given on Monday and final spelling tests on Thursday. For the entire year, you must keep all your corrected pre-tests in the spelling section of your notebook.
Each final spelling test will include fifteen words selected from the current lesson and five words from the previous lessons.
Up to one bonus point may be earned by correctly spelling and defining two words from a advanced list.

These rules and procedures may be revised during the school year whenever the teacher finds it necessary

Exercise R7 -- Business letter

1. Format and make any necessary corrections to the following letter. Substitute your name and address for Janice’s.
2. Save your work as ex_r7_letter
   

Janice Gorman
127 Bayshore Drive
Dunedin, Fl 36798
(813) 736-9898

September 10, 1999

Attorney Harriet Martin
743 Jenkins Blvd.
Largo, Fl 34669

Dear Attorney Martin:

I am responding to your classified ad for an office assistant in today's St. Petersburg Times. Your ad specifically states, "Applicants must be proficient in Word." I am happy to tell you that just last month I completed a course in Word at Winster College. I earned a final course grade of A. I have my own computer at home and have been practicing Word for at least two hours a day since I finished the course on August 15.

My resume is enclosed. I will call in a few days to see if you are willing to see me for an interview. I hope you will give me the chance to prove that I can be a real asset to your office.

Sincerely,
(Mrs.) Janice Gorman

Exercise R8 -- Memo

1. Format this memo so that it is attractive and easy to read.
2. Save your work as ex_r8_memo.

To: Nancy Harris, Board President, Waterside Assoc.
From: Edward Richards, Chairman of Building Committee
Date: October 15, 2004
Subject: Decorating halls by individual owners
Copies: John Thompson, William Kaiser, Ethel Hart, Janice Forest, Tina Wyn, Jake Harper, Billy Thursday, Caryn Hall, Millie Kaiser

Take a Stand, Please

I urge the Board to take a stand regarding the display of personally owned items in commonly owned areas in our building's hallways. I agree that in some instances, these personally owned items help to make the hallways more attractive, but in other cases, I find them hurting rather than enhancing the decor of our building, cheapening it rather than enriching it.

If the Board takes no action, I fear more owners will decorate commonly owned areas, forcing their individual tastes on their neighbors.

Specific Guidelines Needed

If our condo regulations restrict such display of privately owned items in common areas, I urge the Board to enforce these regulations. If the Board decides to allow some items such as mail-baskets, I request the Board spell out in detail what is not allowed. The specifics should deal with such questions as these:

1. If doormats are allowed, any size limits? Can they be any color or pattern even if they clash with the hallway rug?

2. How about the acceptable size or placement of artificial plants or trees?

3. Can religious symbols be displayed on the exterior of apartment doors and along adjoining walls?

If owners find the hallways unattractive, the answer is not in each owner taking individual action, but in all of us working together as an association through our elected Board, adhering to our condo rules designed for the common good.

Exercise R9-- Cutting, copying, moving

1. Change the order of these paragraphs. Do not renumber them.
2. Save your work on your diskette as ex_r9_paragraph_changing.

Paragraphs for Practice

1. Good hearty laughter may help keep you in good health. Scientists at New York University tested the benefits of laughter on two group of boys. Both groups were given the same diet. Group A discussed serious topics after their meal. Group B was entertained with comedy shows. After two weeks the scientists found Group B in better health that Group A. Doctors explained that laughing makes people breathe deeper, and thus they take in more oxygen. The increased supply of oxygen is good for the body.

2. Scientists have learned that dreams are necessary for humans. No matter how much sleep a person gets, his thinking will become troubled if he is awakened each time he starts to dream. Test animals deprived of dreams have actually died, and people kept from talking begin to suffer from hallucinations and other problems of the mind.

3. If young people in the Canadian town of Mississauga can pass a driving test on bicycle safety, the town's safety council will award them bicycle-driver licenses. In the test, points are lost for violations such as these: riding double, failing to obey traffic signs, and riding at night without lights. The licenses aren't really official. But just the same, the safety council feels its program will encourage bike owners to cycle carefully.

4. Wild apes in the Paignton Zoo in England must have thought their human keepers were going stir crazy. On a frigid night, the apes spotted their zoo keepers rowing around and around the island serving as the apes' home. The keepers were using their boat and churning oars to stop the water from freezing. Solid ice would have given the apes as escape route from the island. Said the zoo's general manager: "Somebody will have to keep rowing until the temperature rises."

5. The bald eagle -- our national bird -- is disappearing. This magnificent creature, once a familiar sight soaring high in the skies in many parts of the country, is becoming extinct. Man's widespread use of pesticides is largely blamed for the bird's disappearance. These poisons are sprayed on agricultural and other lands to kill harmful insects. Many of these pesticides are washed by rains into rivers and bays where they are absorbed by fish -- the eagle's favorite food. The pesticide enters the bird's body when it eats the fish. Then the poison eventually concentrates in the eagle's eggs and kills the embryos. Thus, fewer young eagles hatch, and the number of eagles decreases each year.

6. Aloysius Sibidol of Kuala Lumpur, Malaysia, has a good reason to be thankful for his powerful physique. Aloysius, a former shot put and javelin champion, was inspecting some fish traps when he was attacked by a huge python. The snake threw its mighty coils around the astonished athlete. For an hour they struggled. "I finally managed to get my hands on its neck and twisted until it gave up," Aloysius reported.

Exercise R10 -- Image Bank

Mr. Gordon will tell you to insert several of these graphics into the documents you work on in class.

Exercise R11 -- Tabs

1. The following show the Harpers' expenses for the first five months of 2003.
2. The five months are January February March April May.
3. The categories under which the Harpers listed their expenses were food, electricity, rent, medical, and phone.
4. The amounts listed below are in the order of the first five months. So, for example, the $200 for food is for January; the $88 for the phone is for April.
5. Use tabs to place this information in easily readable format.
6. Save your work as ex_r11_tabs.

• food for the five months 200 250 255 230
• electricity for the five months 120 100 122 118 133
• rent 820 820 820 900 900
• medical 55 175 25 88 70
• phone 35 37 39 33 32

Exercise R12 -- More tabs

1. Referring to exercise R11, using tabs, list the expenses for each of the five months
2. Remove the bullets in front of each expense category.
3. Make the column titles (column labels) in bold and a larger font size than the items underneath.
4. Capitalize the first letter of each expense category.
5. Color the monthly costs red.
6. Save this document on your diskette ex_r11_tabs_expenses.

Exercise R13 -- Tabs to table

1. Show the same expense information as above but this time use a table instead of tabs.
2. Put all the expense categories in alphabetical order. Your first category would be food.
3. Be sure the table has outside and inside borders.
4. Color the row of labels at the top with a yellow background.
5. Color the cells of the names of each expense in a light blue background.
6. Make the font Arial and the size 14.
7. Save this document on your diskette as ex_r12_ table_ expenses

Exercise R14 -- Insurance memo

To: John Zigero, Jr
Zigero Insurance Co
399 Maple Street
Wintrop, MA 02152
Phone 617-846-87XX
Fax 617-846-89XX
email: JEZ@Zigeroinsurance.com

Mr. Zigero,
My step-son Steven Morris has insurance with your company. My wife Carol Goodwin -- Steve's mother -- is seeking insurance on a condo she is in the process of purchasing in Portland, Massachusetts. Steve recommended you. Here are all the details I think you may need to insure's Carol's condo.
Richard Goodwin (writing this at the request of Carol Goodwin)
*********************
1. My wife Carol Goodwin and I already have several policies with Astor including our Homeowners Policy for Zenith Harbor, FL condo: 1 41 1891172 01/18 Umbrella policy: 0 71 89777 08/21 My wife would again like to have an Astor policy for the Portland condo, but she has been informed that Astor does not write such policies in Massachusetts.
2. Seller: Kerris Essex, LLC. http://www.189Portland.com/
3. The condo my wife is purchasing is at 121-55 Essex Street, Portland, Mass. 01970 It is Unit #10A on the first floor. In connection with this sale, she will also get a deeded parking space #22.
4. Since the parking space is in the deed, I think that a policy on the apartment should also cover the parking space.
5. This condo will be in only Carol's name—Carol L. Goodwin.
6. We want this new policy tied into our Astor Umbrella policy. I understand that means Carol will have to have a minimum liability coverage of $300,00 on the Portland condo. Once we get this condo insured even by a non-Astor policy, an Astor agent told me that it could still be covered under our umbrella policy as long as the liability coverage is at least $300,000.
7. Date Reservation Deposit Agreement signed to purchase Portland condo: January 22, 2005.
8. Date for signing the Sales Contract is Thursday, February 3, 2005.
9. Closing is scheduled for about February 22, 2005.
10. Purchase price: $285,000
11. Price includes deeded parking space #22
12. The condo Carol is buying is unit 10A. Unit 10A is the sales office of Kerris Essex, LLC. The building had been an apartment house, but now is going condo, and Kerris Essex is now in the process of selling the apartments as condos. After Carol becomes the owner, she will lease back to Kerris Essex the apartment for three months –from the sales date in late February until the end of May.
13. For these three months, Kerris Essex will continue using the condo as their sales office. So we need an owner's-with-tenant policy for those three months. The tenant will be using this condo as a sales office, and any insurance Carol has to cover this apartment while Kerris Essex is occupying should take into consideration that the apartment is being used for business purposes.
14. 10. As of June 1, 2005, Carol will take occupancy of the Portland condo. We will become snowbirds -- spending several months a year in Portland and the rest of the year in our condo in Zenith Harbor. After June 1st, Carol has no intention to rent out the Portland condo, but will keep it as a owner-occupied second home for us which we plan to occupy for about five months a year.
Questions:
Can you write a policy for my wife Carol covering this condo?
Could you estimate what the premium would be on this policy?

Richard and Carol Goodwin
722 Tartan Drive, apt 306
Zenith Harbor, FL 34684
Home phone: 725-784-42XX
Cell phone: 897-642-27XX