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6 Questions to Ask a Potential Roofer

May 30, 2023 By Erin H Leave a Comment

If you’re familiar with the phrase, ‘having a roof over your head,’ you know just how important this truly is. It’s your first line of defense against the elements and falling debris. If a roof is leaky or unstable, it doesn’t matter how great the rest of the house is; it’s hard to live in. According to a report by the Bureau of Labor Statistics, there are about 129,000 roofers in the United States. Finding a great roofer in such a massive pool requires tact. You have to ask the right questions. Here are some you can’t afford to leave out.

1. Do They Have Insurance?

Even if your home is already insured, as a homeowner, you don’t want to end up footing medical bills or paying for accidental damages to other parts of the house during the roof repair or replacement process. Therefore, the roofer you end up with must show they’ve got an active workers’ compensation and a general liability cover that absolves you of any liability your current home insurance doesn’t cover.

2. How Was Their Previous Clients’ Experience?

Asking to see previous projects or to speak with previous clients is not the same as going on a witch hunt. Buying or replacing a roof is a big decision, and you should carefully research the roofer’s work history. Be objective and address any concerns that come up straight on. Ensure their previous work aligns with the outcome you desire for your home.

3. What Credentials Does the Roofing Company Have?

Determine the credentials and licenses your local authorities require roofers to hold. Once you have this information, ask your potential roofer to show you their licenses and certifications. This way, you can weed out roofing companies trying to cut corners. If something goes wrong in the engagement, you’ll have a better chance for recourse if you deal with a legally sound roofer.

4. What Materials Do They Use?

Roofing materials aren’t all equal. They vary in price and quality. Your roof should serve you for decades without leaking or caving. So, the materials should support long-term use. For instance, if you install new asphalt shingles, according to Select Construction Company Inc., you will enjoy an impressive ROI of about 62%, whereas aluminum roofing, though much more affordable, has a lower ROI.

5. What Sizes of Projects Have They Handled Before?

The American Roofers Guild reports that the average residential roof in America is around 1,600 square feet. Granted, an experienced roofer may have handled projects in their tens or hundreds. Still, their scale may have been smaller than the work you want to contract them to do. Conversely, they may be experts at massive projects and must become familiar with the nuances of working on a much smaller-scale project.

6. Can the Roofer Give You a Work Plan?

Before you agree to anything, the roofer should provide you with a work plan that includes timelines, working hours, budget, payment terms, communication plan, contact persons, and other vital details that place you at the heart of the project. You shouldn’t be caught off-guard by anything, so try your best to read between the lines of any document offered to you. If a roofer doesn’t have a work plan, don’t hire them. With professional roofers, you won’t have to ask; a work plan is part of their project routine.

Roofing is a complex job, but these questions should set you on the path to a smooth engagement with your roofer. Build rapport with the company you choose to work with so you can ask for clarification at any stage of your roofing project. If you’re unsatisfied with a response to an issue that’s important to you, that’s a red flag. Keep looking until you find a roofer who’s willing to answer any question you may have, and before you put ink on paper, visit the internet for online reviews and comments about a particular roofer. The proof of roofing is in completed projects and satisfied clients.

Filed Under: budget, Home

7 Affordable Ways to Stay Active This Summer

May 25, 2023 By Erin H Leave a Comment

Are you ready to give your Netflix a break and get off the couch? With summer on the way, it’s time to plan for the best activities to do. If you enjoy an active lifestyle or want to start one, read on for all the ways to enjoy the extra sunny days on a budget. The air-conditioning equipment market is expected to grow to $281.59 billion by 2027. If you’re looking to get out of the AC and soak up the sun, read on to learn more

1. Go Hiking

There are so many benefits to hiking. In addition to being free, you can enjoy amazing views of a mountain or forest landscape. Look out for sightings of wildlife like deer, foxes, and various species of birds. If you love photography, bring a camera to take pictures as you work up a sweat. As more people are interested in the benefits of hiking, it’s easy to find hiking groups in any city. Just remember to have comfortable footwear with good traction, sunscreen, water, and a healthy snack to keep you energized.

2. Find a Bike Trail

It’s hard to find a road without designated bike trails now. You can enhance a hike by bringing a bike and riding through the wilderness for part of the journey. If you don’t own a bike, you can find cost-effective rentals in many cities. Take advantage of the City Bike rental program nationwide instead of driving to and from work or other errands. Keep in mind that 857 bicyclists died in bicycle accidents in 2018, and exercise the proper precautions for your ride.

3. Volunteer to Work with Kids

Kids are an endless supply of energy. If you enjoy spending time with them, summertime is the perfect time to indulge in that joy. Look into volunteering or working at a camp or other youth-based activities. You can show your ball handling, running, swimming, or tennis skills by coaching eager young people in those sports.

4. Become a Dog Walker

Do you like dogs? It’s no secret that dogs are just as active, if not more so, as children. Canines love to play and run. So why not sign up to be a dog walker or dog sitter and have fun with the furbabies all day? Not only is it affordable, but you can also earn money or possibly reside in a swanky home for the summer while you pet sit.

5. Join a Recreational Sports Team

Who says you have to be LeBron James to play on a team? There are recreational sports teams in cities year-round, but summer is high time. Whether you love softball, baseball, volleyball, or bowling, you can find something that suits your needs. Make new friends and enjoy low-pressure competition as you play at least once a week. Consider joining a golf league! The busiest time on a golf course is between 10 AM and 1 PM. If you’re looking to make friends, this might be the best time to go.

6. Find a Cheap Gym

You can always save your hardcore activity for the gym. There are cheap gyms like Planet Fitness that have memberships for as low as $10 monthly. If you prefer alternatives, other gyms may have summer or new-person sign-up discounts you can benefit from. If your friend already has a gym membership, you can go for free for at least a week or more when you join them under a Guest Pass.

7. Buy a Yoga Mat

Even if you’re not into the yoga lifestyle, buying a yoga mat for your home can pay for itself. You can get one for as little as $15 on sites like Amazon. You can roll out the mat to do stretches, calisthenics, yoga, or pilates. Turn on YouTube and find one of the many instructional fitness videos on the site. From kickboxing to aerobics, you can get a free workout lesson at home, thanks to social media.

Summer is a great time to indulge in an active lifestyle. You can join a local team or a cheap gym. Go hiking or biking alone or with friends. There are many ways to stay active while not breaking the break, and this list is a good way to start. If you want more insight into summer fitness, contact our local team today for more information.

Filed Under: budget vacation

6 Tips to Beat Debt After a Disabling Injury

May 23, 2023 By Erin H Leave a Comment

In the aftermath of a disabling injury, overcoming the resulting financial burdens may seem like an uphill battle. However, it is possible to beat debt and regain control of your financial future with the right strategies and support. This article will explore practical and effective tips to help you navigate the challenges and achieve financial stability after a disabling injury. Read keenly and be confident of finding much-needed help.

1. Seek Support from Social Security Disability Benefits

When a disabling injury hinders you from working, you should consider seeking help from Social Security Disability benefits. According to the Center on Budget and Policy Priorities, social security programs financially benefit 8.2 million, including 104,000 spouses and 1.4 million children. These benefits can alleviate some financial burdens for a more stable financial future.

2. Explore Remote Job Opportunities

The internet has opened up the world of remote online jobs, allowing flexibility and independence in employment. Pursue online jobs in diverse fields that match your skills and interests, such as online tutoring, virtual assistant, content writing, graphic design, and programming. Regrettably, according to Statista, approximately 60% of Americans with disabilities do not have internet access. If you’re part of the statistics, you are missing out on the tremendous earning potential the Internet offers. Consider installing the internet in your living space and enjoy the convenience of working remotely.

3. Communicate with Creditors and Seek Assistance

Don’t hesitate to communicate with your creditors if you find it challenging to meet your debt obligations due to your injury. When you explain your situation, the creditors might offer potential options to reduce the burden, including reduced deferments and hardship programs. Many creditors are willing to work with individuals facing financial difficulties, especially when presented with genuine situations. Additionally, seek assistance from nonprofit credit counseling organizations, which can guide debt management strategies and lead negotiations with creditors.

4. Create a Realistic Budget

When dealing with debts, it’s important to assess your current financial situation carefully. Your assessment should involve evaluating sources of finances, monthly expenses, and outstanding debts. A precise assessment will help you identify areas where you can cut back or adjust your finances to free up additional funds for debt repayment. For example, consider reducing non-compulsory expenses such as eating out, entertainment costs, and subscriptions.

5. Your Insurance Cover Can Offer a Relief

Accidents happen unexpectedly, disrupting our lives and leaving us vulnerable to various challenges, including financial burdens. The National Safety Council’s data show nearly 2.5 million individuals were affected by disabling and non-disabling injuries resulting from motor vehicle accidents in 2021! This underscores the need for proactive measures like getting comprehensive insurance coverage. Your insurer will cater to your costs of medical treatment, rehabilitation, and daily living finances, enabling you to navigate the aftermath of the accident with peace of mind.

6. Consider Debt Consolidation or Settlement

Debt consolidation or settlement programs can be viable options for individuals struggling with multiple debts. The former involves combining all your debts into a single loan or credit account, typically with a lower interest rate. Doing so allows you to simplify your repayment process and potentially reduce your monthly payments. On the flip side, as part of a debt settlement, you can negotiate with your creditors to settle your debts for less than the full amount owed. It’s a suitable option if you can’t meet your debt obligations and must reduce the total amount owed.

Note: These options may have potential drawbacks, such as the impact on credit scores and potential long-term costs; however, they can provide a path toward debt relief.

If you’re facing a disabling injury that burdens you financially, don’t lose hope. Believe in your ability to overcome adversity. More importantly, engage a reputable debt professional for practical solutions. You’ll overcome!

Filed Under: Debt

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