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Simple Hacks to Extend the Life of Your Roof

by Admin - on Jan 27th 2018 - Comments Off on Simple Hacks to Extend the Life of Your Roof

Homeowner fixing his roofWhen you talk about roof maintenance tips that extend the life of your roof, it is really not rocket science. By just adopting simple maintenance habits, you can significantly extend the duration of its use.

Read on and find out some of the ways you can get the most out your roof.

Schedule monthly physical examinations

Make a point of physically inspecting your roof at least once per month. Be on the lookout for debris and leaves, and check the water flow or if it retains any water or algae. If any of these things are present on your roof, clean everything, from the gutters all the way down to the downspouts.

Also, check for missing or damaged shingles and have them replaced soonest. Through this regular inspection, you will be able to identify and prevent any significant roof problem.

Only work with professional roofers

When you have identified the areas of your roof that need repairs, such as those with leaks and holes, never insist on doing the repairs on your own. Roofing is a sensitive task, and you should treat it like so. It requires specialized attention only given by professional roofing contractors in Lancaster, PA.

By hiring the services of an experienced roofer, you avert the possible damages that can happen when you do the repairs yourself. A qualified professional will also do proper maintenance to keep your roof in an excellent condition.

Invest in roof coating

Harsh weather conditions – such as intense heat from the sun – can cause your roof to deteriorate faster. The sun’s UV rays accelerate the destruction of the roof’s components. By applying roof coating, you protect it from these effects, hence extending its life.

For an older roof, the coating can also delay the need to replace.

By ensuring that your roof is structurally sound, you protect yourself and your loved ones. Religiously following the above tips will ensure that you get the most out of your roof.

FHA 221 (d)(4) Financing Explained

by Admin - on Jan 24th 2018 - Comments Off on FHA 221 (d)(4) Financing Explained

business financeEvery business owner knows the importance of investing in their company’s upkeep. A good impression will last a long way. Thus, companies choose to upgrade their offices regularly. If you are in the rental business, such upgrades and investment is also a must albeit a bit more differently.

Renovating your apartment for rent to attract new tenants and increase the value of your property is common. Wanting to have your semidetached property rehabilitated to live more comfortably is also acceptable. However, renovation and construction itself require a significant amount of money. Bonneville Multifamily Capital shares that this is the part where you should consider the Federal Housing Authority’s (FHA) Multifamily Financing, specifically the FHA 221(d)(4). 

What is FHA 221 (d)(4)? 

The United States Housing and Urban Development (HUD) is the guarantor of FHA 221(d)(4) loans. As explained by the HUD website itself, this loan type is the “industry’s highest-leverage, lowest-cost, non-recourse, fixed-rate loan available in the business”.

Such loan types can help insure mortgage loans to moderate to low-income families, elderly, and the disabled who wishes to construct or rehabilitate their multifamily rental or cooperative housing. Aside from the competitive rates, the program also allows the long-term loan of up to 40 years. 

How can you be eligible for such loan types? 

The FHA 221 (d)(4) is designed for rehabilitation of both for-profit and non-profit properties. This includes detached, semi-detached, row, walk-up, and elevator-type multifamily properties. Commercial properties (with limitations) are also eligible. Because the loan is designed to help middle to low-income individuals, single-asset, and bankruptcy remote entities are welcome.

The HUD released a checklist to help potential applicants know whether they are eligible for the loan or not.

Stop putting off that long overdue rehabilitation your property needs. With the HUD FHA loan, you would be able to live comfortably or increase your property value with the help of the government. Make sure to utilize it.

Dangers of Coastal Erosion: Why We Need to Protect the Coast

by Admin - on Dec 29th 2017 - Comments Off on Dangers of Coastal Erosion: Why We Need to Protect the Coast

Gold Coast, Queensland, AustraliaGlobal warming causes ice caps to melt, and melt sooner. This phenomenon, in turn, raises the sea level, causing beaches to shrink and coastlines to erode. The threat of rising water and coastal erosion is real. While you may not feel the full effect, it is happening, and environmentalists are taking steps to protect the coast.

Repercussions of Coastal Erosion

Engineering professionals from ilsiengineering.com have conducted studies to understand the hydrodynamics involved in coastal erosion. They found that the phenomenon has different effects on coastlines throughout the country. The impact on undeveloped areas, it appears, would not be as big a problem as the result of densely populated areas like coastal cities. The serious repercussions to the latter include:

  • Flooding – With coastal erosion, flooding may become more frequent and dangerous. There are less blockage and water can quickly fill up the streets and cause flood damage.
  • Loss of Land – The coastal land and beach will continually be pushed back by erosion. When this happens, water can weaken the developed areas and make them unusable.
  • Economic Loss – From an economic standpoint, the absence of beaches will lessen the tourists visiting coastal cities for a swim and sunbathing.

What Can You Do to Fix It?

Geography AS Notes suggests that many projects have been completed or are currently underway that can stall coastal erosion. There are two types of techniques experts use, depending on the location of the coastline and the strength of the waves.

The first is called hard engineering technique. It uses solid materials and non-living things to keep waves from crashing to the shore. It includes seawalls, breakwaters, and tidal barriers.

The second technique is the soft engineering technique, which involves the land within and surrounding the coast. The methods include adding sand and shingle to the shore or creating marshlands to break up the waves and reduce their speed.

The environmental protection industry continues to find ways to protect the coast from unnecessary erosion. With new civil engineers entering the industry every year, more innovative ideas for preserving the beach are added.

The Rise of the BPO Industry in the Philippines

by Admin - on Feb 11th 2017 - Comments Off on The Rise of the BPO Industry in the Philippines

BPO in the PhilippinesSince the appearance of the first multinational business process outsourcing (BPO) in the Philippines, the sector has become increasingly popular among young and old workers. It has also become a driving force in the country’s economy, and the industry continues to expand. BPO companies provide services to various American industries, such as medical insurance, logistics, accounting, and paralegal.

Why the Industry Thrives

Every year, the sector demands new jobs, providing those capable with opportunities to work for multinational companies. A study conducted by World Bank reports that there’s a possibility that the sector may earn export revenues of $55 billion by 2020.

So why is the BPO industry thriving in the country? First of all, the Philippines has an abundance of skilled, young individuals with an excellent command of the English language and high literacy rates. Apart from that, operational and labor costs are lower here than in other countries. The nation has a highly westernized culture; pair that with the Filipinos’ innately friendly attitude and it helps strengthen the industry’s morale and success. The industry also has the government’s support, providing the sector’s technology and training needs.

Many multinational companies have been relocating from India – which was once the leading country in the industry – to the Philippines over the past few years, and one of the reasons is that Filipinos speak in a neutral English accent that’s much easier to understand on the phone and a “proportionally more qualified workforce.”

Expanding throughout the Nation

So far, more than five cities in the Philippines are part of top 100 outsourcing destinations in the world, including Manila, Cebu, Davao, and Sta. Rosa. Soon, the next wave of BPO companies will invest in places such as Baguio, Dumaguete, Lipa, Malolos, and Naga.

This continuous expansion of the industry opens many opportunities for those looking for jobs because no matter what they finished in college, if they are qualified to serve multinational clients, then they are on their way to earning a living.

Ace Graphic Design: Find the Balance between Simplification and Intensification

by Admin - on Jan 31st 2017 - Comments Off on Ace Graphic Design: Find the Balance between Simplification and Intensification

Graphic Design in MelbourneDesign is all about the details. Your overall outcome will be successful only if you are attentive to every little detail that makes up the big picture. As such, being meticulous is important — from conceptualisation to application.

If you are still undecided about how to make your graphic design ideas take Melbourne by storm, consider this: a combination of simple and intense. How will you pull it off? Well, you have to understand both sides of the coin first, of course.

Simplicity is Beauty

When the World Wide Web became public a few decades ago, everybody was thrilled because they literally had access to an almost-infinite amount of information. The transition from encyclopaedias and cookbooks to Wikipedia and online recipes was a massive help to those who wanted to free up some space at home and minimise paper use.

Currently, so much information is swimming around the internet — from groundbreaking studies to funny cat videos, it’s all there! This is why it can be rather overwhelming. If you want to catch their attention without contributing to information overload, focus on minimalist design instead.

As the epitome of simplicity and functionality, it continues to be as popular among brands and in design trends as it was early in the 20th century.

Bold is Beautiful

On the other hand, people might get bored with too much simplicity. You need to add a little quirkiness to spice things up. As such, be open to intensified and heightened colours — primary, neon and pastel alike — that will surely catch the eye of netizens.

You might be asking yourself, how are bright neon designs ever simple? Well, that’s because with a smart, well-thought out design, you get rid of distractions that complicate instead of deliver your message.

The digital lifestyle is shortening the attention span of netizens who want to access information fast and easy. Give them just that with bold yet simple designs.

Making a Girl Feel Special Can Be Done in 3 Ways

by Admin - on Jan 23rd 2017 - Comments Off on Making a Girl Feel Special Can Be Done in 3 Ways

Minnesota Style PizzaMany guys think that when they offer girls expensive gifts, they will be so happy about it, girls would then love them. This is a wrong notion because of more than gifts, girls appreciate the heart.

Women love many things. Yes, some guys think that if they get to buy a girl something expensive like a Prada, Louis Vuitton or Hermes bag, girls become undoubtedly happy. Well, this may be true for some but not exactly for everyone. There are girls, who, more than the most expensive bags in the world, just want to be with the person they love. By simply taking her for a long walk at night, she would already feel loved. If you too want to make your girl special, in ways that would be profoundly memorable for her, then you can try several of these ideas.

Make Her Dreams Come True

Every girl has a dream. If you have already found out what these dreams are, then you can try to make them come true. For instance, if she simply wants to be standing in two places at once, you can bring her to the border of two adjacent cities or towns and have her straddle the line that divides the two places. This doesn’t cost much right? Take note that girls’ dreams often have something to do with their childhood. Once you get to make their dreams a reality for them, you can be assured of a plus point that will be to your advantage.

Taste Uncommon Foods Together

One thing that girls remember is an event that you did together. She may easily forget who brought her this and that but what you can do is to do something that you or the girl has never done before. For instance, if you haven’t tried a Minnesota style pizza, then now would be the best time for you both to do so. What makes this significant is that you did something together, which you have not yet tried before.

Give Her a Special Name

Girls love to be called by their loved ones using a special name or moniker. This means that aside from the name that you agreed to call each other, you should give her a moniker that you exclusively use for her. This will make her feel special. Just make sure that you don’t use that special “alias” with any other. Also, if you would be calling her, be affectionate because according to World of Female, many women are generally affectionate beings.

You see, girls aren’t hard to please. You just have to ensure that what you are doing for them is from your heart. Once you do, they will see and feel your sincerity and it will always result in something great.

Web Design Ideas You Would Want to Consider Implementing in 2017

by Admin - on Dec 29th 2016 - Comments Off on Web Design Ideas You Would Want to Consider Implementing in 2017

Website DesignAs 2016 draws to a close, all eyes turn to web design ideas that experts believe would create a huge impact for websites on 2017. The coming year promises to be the year of significant changes.

The New Year is just around the corner and it is time to see which web design ideas will make the most impact on 2017 onwards. Every year, web designers and developers gather inputs from experts on what they want to see in a website, then brainstorms about what design ideas could offer the best benefits. These are a couple of those web design ideas.

Big Types

The past year has seen big image slides featured on modern websites, which gave emphasis to its visual appeal. Web designers have predicted that the big slides will stay and will be complemented by big typography. Big typography can quickly grab the attention of the reader, particularly when the types really stand out.

Why Large Typography

Content will be the driving force behind the website in 2017. By having large types that resonates the statement that the website is trying to put forward, it redirects the focus of the user on the content of the site itself. It is like the types themselves are screaming at the user to focus on the words and the message. You need not place big types in all of your content. You can instead dedicate just a section of the slide to feature such large typography.

Using SVG over PNG, GIF, and JPG

For sure, you already know what scalable vector graphics are. As to why it will be to your greatest benefit that you use more of them, it has something to do with how your graphics will present itself. You see, common image formats like PNG, JPG or GIF are pixel-based, which combine small squares of various shades on a grid to shape the graphics. Since they are mostly constant, meaning they have a fixed attribute or number of pixels, they tend to be blurry or pixelated when enlarged. Because responsive websites do enlarge or minimize image based on the device and orientation, using pixel-based or raster images will often times not work.

The Rise of SVGs

The name scalable vector graphics in itself is a clear giveaway that the vector graphics presented is scalable. According to KeyCDN.com, since SVGs consist of vectors or the mathematical description of the shape of the object, they are resolution-independent. As such, they will look great on any orientation or type of device. Furthermore, HTTP requests, which have been known to slow down a website, are not required by SVGs so your sites run smoother and faster. This is perhaps why NYC experts in web design are starting to dump traditional graphic formats in favor of SVGs in the main pages of the websites they develop.

There are many more website design ideas that you might want to consider implementing in your own sites during the first quarter of next year. While some of these new design ideas might mean you would have to overhaul your website, you will find out that it will be well worth it.

Do You Have an App for Your Consumers’ Needs?

by Admin - on Nov 17th 2016 - Comments Off on Do You Have an App for Your Consumers’ Needs?

Mobile Online PaymentApplications, or apps, are everywhere. They’re on planes, trains, ferries, and buses. They’re in homes, offices and places where people congregate. If you doubt the pervasiveness of apps, just consider the phrase, ‘There’s an app for that’. And you’ll recognise just how much apps have invaded people’s lives.

Mobile Apps and a New Way to Pay

In fact, apps are posing a challenge to traditional business, ‘disrupting’ processes, and endangering profits for companies that fail to adapt. One industry at potential risk is banking and finance. The Macquarie Group predicts the four big banks in Australia could lose $27 billion per year because of mobile app payment systems.

To avoid the potential loss of billions, most banks are offering mobile solutions to simplify payments and integrate services. Commonwealth Bank, for example, is enabling customers to withdraw from the ATM using their smartphones. This sort of convenience strengthens loyalty and brand image.

The Allure of Apps

Deloitte’s recent data reveal that 79% of Australians own a mobile phone, with six in 10 owning multiple devices. Many have made online purchases through their mobile phones. Of course, mobile apps are not just for shopping and paying. Businesses, such as Uber, Clipp and Beat Q have developed apps for music streaming, real-time promotions, and loyalty points.

Mobile apps, Viper Online Marketing further explain, can enhance online marketing efforts through synergy. Application development that combines the business’s social media and website can improve the organisation’s online presence. And with it, its bottom line.

An app adds value to your business in three ways:

1. It gives you a competitive edge because you’re offering a unique experience for customers.

2. It helps your business operate better, making processes more efficient.

3. It secures your organisation’s future in an ever-changing market.

So, does your business have an app that meets your customers’ needs?

Why Not an Indoor Skate Park?

by Admin - on Nov 3rd 2016 - Comments Off on Why Not an Indoor Skate Park?

Indoor SkateboardingIn a report published by the National Sporting Goods Association, skateboarding was one of human culture’s fastest growing sports. Between 1998 and 2008, it grew from 5.8 million to 10.1 million. Its growth carries over to the modern day culture and has inspired the rise of several subcultures.

Skateboarding enthusiasts are extremely dedicated to their sport. It discriminates no one and can literally take up any space available. In fact, indoor skate parks are now increasing in popularity around the world. Do you know any place? If not, why not open one yourself?

Scout

As all products and commodities go, it should answer a need. The purpose of an indoor skateboard is generally to provide skateboarders a space for play if the area has few places for skateboarding. Locate the nearest skate parks. Find a way to provide what they’re missing, or offer better service.

According to Chron, an indoor skatepark design has several specifications. It should be in a large building. Disused or abandoned warehouses are typically considered ideal. It requires at least 500 square feet and smooth concrete, to minimize floor overhauling.

Plan

Now that you have the location of your indoor skate park, you need to build a plan. Think about how much you will charge, how you will market your skate park, and how you will enforce safety. Insurance is extremely important in businesses such as this.

Purchase

It takes more than a location and a plan to run a skate park. You will need to purchase other equipment such as skateboarding ramps, stairs, rails, and fun boxes. Do you have experience with carpentry? You may consider doing these on your own. You will need a half-pipe or pool, too.

Finally, you need to promote your indoor skate park. What does it have that other skate parks don’t? Build on your unique value proposition and make sure this is communicated well to your target audience.

Personal Loan Mistakes: Hard to Undo Yet Easy to Avoid

by Admin - on Sep 21st 2016 - Comments Off on Personal Loan Mistakes: Hard to Undo Yet Easy to Avoid

Personal LoanWhen it comes to taking out a personal loan, Tara Alderete believes that the question should be less about how much, and more about why.

Alderete, director of education for ClearPoint Credit Counseling Solutions, believes that people should stop treating loans as ‘free money’ and put more effort into investigating their available options as well as the need for the loan itself.

The following are some of the most common loan mistakes you should avoid, lest you find yourself in a financial hole much deeper than you are capable of climbing out of.

  1. Needless Borrowing

"When you're seeking a personal loan, think about why. What's your goal? What do you want to do?" she says. Alderete stresses the danger of taking out loans in haste, as it usually leads to wasted money at best and falling into a debt trap at worst.

  1. Missing Non-Loan Opportunities

‘Generally speaking, the people who can qualify for these 0% offers and really competitively priced personal loans, they've got good credit,’ says John Ulzheimer, a credit expert who formerly worked at credit companies FICO and Equifax, referring to the possibility of skipping loans through debt consolidation by means of opening a new credit card and transferring the balance of other cards to it, particularly at a 0% introductory offer. ‘These things aren't just being given out to people who have mediocre credit scores.’ Ulzheimer adds.

  1. Ignoring One’s Credit Score

Professionals from Rapid Loans stress that people should really start paying attention to their credit scores, as it heavily determines whether they would receive loans at reasonable rates, if at all. Looking good in the eyes of lenders (as a low-risk debtor) can go a long way in securing lower interest rates and an easier time making repayments.

Loans are serious business, as any person in an unescapable debt cycle can attest to. Learning the severity of unpayable loans the hard way is something no one would want to do, which makes learning the specifics of every financial option beforehand all the more appealing.