Beating Broke

Personal Finance from the Broke Perspective

  • Home
  • About
  • We Recommend
  • Contact
  • Privacy Policy

Powered by Genesis

Search Results for: budget

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

The Complete Guide to Obtaining a Gaming License in Malta: Requirements, Process, and Benefits

May 23, 2023 By Susan Paige Leave a Comment

Malta administrative divisions map.

Editors note: this article is for everyone who wants to both travel and start a business.

Unlock the secrets to obtaining a coveted gaming license in Malta – a mecca for online gaming and gambling enthusiasts, boasting a rigorous licensing system that sets the standard for the industry. Get ready to roll up your sleeves and dive into the intricate details of this highly coveted process as our article takes you on a thrilling journey through the nitty-gritty! Get ready to level up your gaming business in Malta! The article covers all the essential steps to snagging a coveted gaming license, from meeting the criteria to calculating potential expenses. Plus, we’ll explore all the juicy benefits that come with having this license for your industry. Influence will help you get a gaming license Malta

Advantages of Obtaining a Gaming License in Malta

Unlock the power of the Maltese gaming market with a coveted gaming license! Businesses that secure this license gain access to a thriving industry that’s only getting bigger. Plus, that’s not all – there are countless other perks to obtaining a gaming license in Malta.

  1. By obtaining a gaming license in Malta, businesses can unlock the door to the vast and diverse market of the European Union, opening up a world of new opportunities and expanding their customer base beyond their wildest dreams. Thanks to Malta’s EU membership, the possibilities are endless!
  2. Unlock the power of the gaming and gambling industry by obtaining a license in Malta! Enjoy a low corporate tax rate and exemption from the capital gains tax, making it the ultimate choice for businesses looking for success.
  3. Join the winning team and make your online gaming business soar! Malta’s strict licensing system is renowned and obtaining a gaming license from this reputable jurisdiction will boost your business’s credibility and trust with customers.
  4. Looking to save some dough on your gaming license? Look no further than Malta! With lower costs than other jurisdictions, businesses can keep their setup expenses to a minimum.

Key Criteria for Obtaining a Gaming License in Malta

Ready to take on the world of online gambling in Malta? First, you’ll need to prove you’ve got the technical know-how and financial chops. Oh, and don’t forget to bring your ID and some evidence of where your cash is coming from. But that’s not all! You’ll also need to show off your understanding of gaming ops, anti-money laundering laws, and data protection regulations. Let’s get this party started!

If you want to get your gaming business off the ground in Malta, you need to follow some rules. To start, you gotta prove that you’re playing by the book – and that means developing some internal controls and filing regular reports. Oh, and your software solution better be certified for fairness, security, and safety! But it’s not just about the business: you gotta show that you care about players too. That means taking measures to protect vulnerable individuals, like minors or problem gamblers. So, are you ready to play by the rules?

Don’t let hidden fees and costs catch you off guard when applying for a gaming license in Malta! From application fees to annual charges, it’s crucial to crunch those numbers and budget wisely before submitting your application. Trust us, your wallet (and sanity) will thank you later!

Conclusion

Want to enter the online gaming and gambling industry? Look no further than Malta! With easy licensing procedures, low tax rates, and access to the European market, Malta is the place to be. But don’t think it’s a free-for-all – strict criteria must be met, including technical capabilities, financial resources, identity checks, and source of funds. And of course, there are costs involved. But with all the benefits, it’s worth it to take your gaming business to the next level.

Read More

How To Handle Financially Toxic Parents

How Many People Can Be On Your Costco Membership?

How Bryce Capital Encouraged Me To Clean Up My Financial Act

Filed Under: Uncategorized Tagged With: gambling, small business

  • « Previous Page
  • 1
  • …
  • 75
  • 76
  • 77
  • 78
  • 79
  • …
  • 162
  • Next Page »
  • Facebook
  • Pinterest
  • RSS
  • Twitter

Improve Your Credit Score

Money Blogs

  • Celebrating Financial Freedom
  • Christian PF
  • Dual Income No Kids
  • Financial Panther
  • Gajizmo.com
  • Lazy Man and Money
  • Make Money Your Way
  • Money Talks News
  • My Personal Finance Journey
  • Personal Profitability
  • PF Blogs
  • Reach Financial Independence
  • So Over Debt
  • The Savvy Scot
  • Yes, I am Cheap

Categories

Disclaimer

Please note that Beating Broke has financial relationships with some of the merchants mentioned here. Beating Broke may be compensated if consumers choose to utilize the links located throughout the content on this site and generate sales for the said merchant.

Visit Our Advertisers

Need to change careers? Consider an Accounting Certificate Program from WTI.