4 Good Reasons to Have a Roofing Contractor Roof Your Home in the Winter

If you live in an area of the country, such as Oklahoma, with harsh winters you might be wondering why anyone would consider roof replacement in the winter time. Well, it’s not as uncommon as you might think. Many roofing contractors offer their services year round even in cold and snowy regions like Oklahoma, which is where I’m from. Roofing homes during the winter is no different for a roofing contractor than doing it any other time of the year, with a few exception, and some roofing contractors and there crews even say that they prefer it. First let’s go over what makes roofing more difficult this time of year and the arguments against having a new roof installed right now.

It’s too cold outside for a roof replacement.

This argument just doesn’t hold any water. It may be cold out now but who cares? Your roof doesn’t care. The crew installing your roof doesn’t care. Don’t worry about the guys doing the installation. If the cold weather bothered them that much they wouldn’t be up there installing your new roof in the first place, they would be working an indoor job. I know a lot of guys that prefer roofing in cold weather just because it is cold. Try roofing a black roof in the middle of the Summer. Lots of fun, let me tell ya. In the Summer if it is 90 degrees on the ground it feels like 110 degrees up on that roof (and sometimes is).

There is too much snow on my roof to have it replaced right now.

This, my friend, is why God created snow shovels. It is really not a big deal to shovel the snow off of a roof. It usually takes a half-hour to an hour to remove the snow and most roofing contractors don’t even charge you extra for this as long as they are there to replace the roof and not just shovel snow. Does the crew need to be careful while doing this to avoid falling? Of course. However, the crew needs to be careful in every regard when it comes to roofing a house, this is nothing new. These guys are professionals and safety should always comes first, and does always come first with a responsible roofing company.

Alright, I just gave you 2 reasons why many people think roofing shouldn’t be done in the winter and why they aren’t really very good reasons at all. Now let me give you the 4 best reasons you should consider having your roof replaced this time of year.

1.) Ice dams causing leaks.

The winter time in Oklahoma tests your home and roof in ways unlike any other time of year. The most common cause of roof leaks during the winter is the dreaded ice dam. An ice dam is formed over the eaves of a house from built up snow melting and running down the roof only to refreeze at the very edge of the roof line. Here in Oklahoma, as well as other cold climate areas, roofing contractors use a product called “ice & water barrier” together with proper drip-edge flashing techniques to prevent ice dams from damaging your home and causing leaks. This technique, when done properly, provides added protection for at least 3 feet up from all edges of the roof. Many older roofs do not have “ice & water barrier” installed. If your roof is leaking because of ice dams this could be a great time to have the roof redone properly and insure that ice dams will not be bothering you and your home again.

2.) Winter conditions, in general, make a bad roof worse.

If you had a bad roof before winter hit it is only going to be in worse shape once spring arrives. There are many factors that adversely affect your roof in the cold weather. I already discussed ice dams but there’s more. During the winter as the temperature fluctuates it makes your shingles expand and contract causing curling and cracking in older shingles. Now let’s say some of your old roof shingles curl a bit, then you get a nice wet, heavy snow and the weight of the snow causes some of those curled shingles to crack. Now you have a potential new roof leak. Also, when that wet, heavy snow then freezes it will possibly cause even more damage to your old roof shingles. The thawing and refreezing that occurs throughout the winter time is nothing but bad for old shingles. Old roofs hate the cold winters.

3.) Faster service on your new roof installation.

It’s a simple fact that Tulsa roofing contractors, and roofing contractors in general, are not as busy during the winter. What this means for a homeowner needing a new roof is that the roof contractor you choose might be able to install your new roofing in a matter of days from the time that you sign the contract as opposed to waiting weeks, or even months sometimes, if you hold off until the spring, summer, and fall months. For many homeowners this reason alone should be enough to have your roof done in the winter time.

4.) Save money by taking advantage of a slow time of year for roofers.

Who doesn’t want to save as much money as possible especially when it comes to an expensive home improvement project such as re-roofing. For the same reasons that you may be able to receive faster installation service on a new roof from a roofing contractor during the winter, you will also probably receive a better price than you would during the warmer months. Experts in Tulsa provide professional roof installers and can provide you with the same labor warranty for a roof installed in winter time as a roof installed any other time of year. The material warranty is provided by the shingle manufacturer and will be the same regardless of what season the roof was installed. Roofing contractors want to keep their crews busy and will give you a better price just to avoid having to lay off employees during the winter slowdown.

So what are you waiting for? If you have a house with an older roof that needs replacing get in touch with a local roofing contractor and find out for yourself why roofing Tulsa homes or a home in any other area is a perfectly viable option in the winter time and often a bargain!

Discharging Your Student Loans

Under very special provisions, it is sometimes possible for a student to have his or her loan discharged or canceled. There are strict qualifications and specifics on how a student can receive a student loan discharge, as well as specific steps to follow in order to apply for one.

A student loan can be discharged if the student dies or becomes permanently disabled. With respect to parent loans, it is the student for whom the money was borrowed who most die and not either of the parents. To receive a student loan discharge because of death, then one of two things must happen, depending on the type of loan in question. If the loan is a Perkins Loan, a death certificate for the student must be presented to the university from which he or she graduated. In the case of Stafford Loans, a death certificate must be presented to whoever holds the loan.

As it applies to a student loan discharge, to be completely and permanently disabled is defined as being unable to work and make money due to an injury illness which is expected to last indefinitely or end in death. However, in 2002, this criterion was amended to state that those who qualify for a disability discharge would receive only a conditional cancellation, intended to last for three years from the date a student becomes disabled. If, during that span, the student continues to remain within the qualifications of complete and permanent disability, then the loan will be canceled. If the student fails to continue to meet the conditions, the loan will go back in effect. In order to be approved for a disability discharge, the student must submit a statement from a doctor which states that he or she is completely disabled according to the lender’s definition.

In certain cases, a student can receive a student loan discharge if his or her school closes. If the university closes while a student is enrolled at least part-time, then loans which were received through the Department of Education can be discharged. Anyone on an approved leave of absence is still considered enrolled. Furthermore, if a student has withdrawn and his or her college closes within ninety days after that, he or she may obtain a school loan discharge. However, if a student is pursuing an academic program similar to the one he or she did not get to complete when the other school closed, the student is no longer eligible. Moreover, if he or she receives a discharge and then pursues a comparable program, then he or she could be made to pay back the amount of loans discharged.

Students may also qualify for student loan discharge if his or her loan was approved and allowed even though he or she did to meet the requirements necessary to get into the university or to proceed with the degree for which he or she selected. Provided that the school did not provide the student with the classes necessary to otherwise meet those requirements – not offering remedial course work to a student without a diploma or GED – then the student may qualify for a discharge. As of 2006, students also qualify for a discount if a student’s loan was falsely certified or forged onto a promissory note. Students may also receive a partial discharge, if the lender of their loan owes their school a refund.

There are also discharges for teachers who work in low-income schools, or who otherwise work in designated public school positions. Doctors who practice medicine in rural or low-income areas are another example of this loan discharge.

Finally, in certain cases, if a student files for bankruptcy, he or she may qualify for a student loan discharge. However, this is only if the court decides that paying the student loan payments would create unnecessary hardship.

For more information on student debt after a death, click here.

Concrete Mixers: Basic Information

For all kinds of construction jobs a concrete mixer is needed. Also know as cement mixer, this mixer is a devise where various materials like cement, sand, gravel and water are mixed to produce concrete which is used for paving, flooring, wall cladding and other construction work.

How does it works?

It consists of a revolving drum which is used to mix all the components. A cement mixer has a revolving drum, attached with a motor and all the mixing components are put inside the drum. When the motor starts, the materials spin inside the drum and get mixed together evenly. They remain soft for application and forming.

Types of Concrete Mixers

  • Mixers Without hopper
  • Mixer With mechanical hopper
  • Mixer With hydraulic hopper

Sizes of Concrete Mixers

There are different sizes of mixers ranging from the portable machine, tote mixer or mini mixer to the large sized commercial mixing truck. A portable mixer is used for smaller volume works where the concrete is produced at the construction site itself. On the other hand, the big concrete making trucks are used for large scale construction.

Maintenance

Regular maintenance of such mixers is very essential for smooth functioning of the equipment. It is necessary to keep a constant check on the concrete mixer parts so that they are good working condition. They should be stored properly when not in use.

Buying Tips

  • First of all, check out why do you need the mixer. For a job of small duration, you can get it for rent. For longer duration and regular usage, you can purchase one.
  • Next you have to know for what purpose you need the machine. For small construction or landscaping job, the best is to go for a portable cement mixer which can be electric powered or gas powered.
  • For large scale construction jobs like laying a driveway or paving a floor or other heavy construction work, go for a concrete mixer truck.
  • The price is an important factor to consider.
  • You can also opt for used mixers if they are in good condition.

First Aid Kit Buyer’s Guide

First aid kits come in different shapes, sizes and prices. They are available as pre-packaged kits designed for specific purposes, such as for the home, pets, auto, camping, boating, golfing, welding, landscaping, trucking, logging, burn care, bloodbourne pathogen, emergency response, industrial, ommercial and etc.
You can also elect to make your own, although this may work out to be more expensive and time consuming as each item is purchased individually. The important part of any first aid kit is that it suits you and your lifestyle or work place.

First Aid Kit Contents

Before deciding the contents of your first aid kit, list out all activities you commonly participate in. Do you go camping? Do you or any member of your family play contact sports? Are you on the road a lot? Is it for industrial use? How many people is the first aid kit for? It is very important that the first aid kit contents match up to your lifestyle or your workplace environment. Once you have a basic idea of where a first aid kit will come in handy, you can start planning the contents of your kit.

Many first aid kits attempt to sell a kit comprised of a box of adhesive bandages and a few tablets. How many different type of injuries will this kit treat? Not very many! Don’t be fooled by quantity of components, look for variety of components! The idea is to include components for real life emergencies, not what might let the kit sell for a few dollars less.

Any first aid kit should contain at least something from the following groups:
Antiseptics (something to kill germs to prevent infection), Injury treatment
(items to deal with injuries such as butterfly closures and cold compresses),
Bandages (a variety of bandages to dress and cover a variety of wounds),
Instruments (tweezers, barrier gloves), and Medicines.

For example, a basic first aid kits, or starter kits, should consist of the
following items:

· A first aid manual

· Tweezers

· Sharp scissors

· Splinter Remover

· Thermometer

· Safety Pins

· Elastic Gauze (conforming bandages)

· Sterile Gauze

· Adhesive bandages in assorted shapes and sizes

· Triangular bandage

· First aid tape

· Antiseptic Ointment

· Calamine Lotion

· Antiseptic Wipes

· Alcohol Wipes

· Cotton tipped applicators

· Aspirin and Ibuprofen Tablets

· Vinyl or latex gloves

· Resuscitation Face Shield

· Anti-Inflammatory Cream

· Sodium Chloride Solution

· Sterile eye pad

· Your prescription medications

What you keep the contents in is up to you. Nowadays, first aid kits come in plastic
case, metal case or durable soft-pack. The type you choose is dependent on the purpose
of the kit and where it will be stored.

First Aid Kit Supplies and Refills

Finding supplies and restocking your first aid kit is not always easy. Drug stores often carry a limited number of lines, and the prices on individual items is rather expensive. First aid kit supplies can be found online however, and the range is
enormous. You can build your kit to your hearts content, and there’s plenty more items to choose from, usually at better pricing.

Buying first aid supplies online is especially useful for restocking industrial first aid kits. When you need to order in quantity, yet varying amounts of each item, online shopping is great. You can order select specific quantities of each product, and have them delivered right to the site.

For the home user, a drug store is probably best for topping up small easy to find items. If you do need to order harder to find products, or buy a few items at a time, online shopping may be an option

Where to buy First Aid Kits online

Online shopping has progressed a long way in recent years, especially with items that are normally difficult to find, or are overpriced in the stores. First aid kits are one of the items that the internet has done wonders for. There is a huge selection of first aid kits online, ranging from the most
comprehensive industrial and emergency first response kits, through to the lighter than light kids travel kits. This kind of range would never be available to the public so readily if it weren’t for online shopping. Not only is there a huge range, but it’s usually at prices below retail, and delivered direct to your door. Rather than putting off the notion of buying a
first aid kit, you now have little to no excuse, as they are only a few clicks away.
If you are ready to buy first aid kits online, Yahoo! maintains a directory of online stores offering first aid products, as does DMOZ. You can also try Googling or an online store like FirstAidKitCentre.com. If you are still a little skeptical of online shopping, try a local drug store, or perhaps a local red cross chapter.

Learn First Aid

The other essential ingredient that should accompany all first aid kits are people who know how to use it. At a bare minimum, you should be familiar with basic first aid techniques.

Accidents, disasters, and emergencies, can happen anywhere; at work, home, or play. You may be the person thrust into the firing line when something happens, and you should be prepared. There may be a lengthy delay before medical response due to
location, adverse conditions, or lack of communications. At a time like this it is up to you to commence first aid or CPR, and your knowledge, or lack thereof, may effect the outcome. A first aid manual is also a handy addition, and can fill in
the blanks for those more obscure times.

If you have children, it is your role to protect them and aid them when needed. Techniques used on kids are different to those of adults, and you should take the time to learn more about this type of first aid.

Where to learn first aid?

The American Red Cross runs first aid, CPR, and external defibrillator courses designed for the home, workplace, and professional rescuers. Courses are offered throughout the country, and internationally through local red cross chapters.

There are also a great number of First Aid Manuals. Having a first aid manual on hand can be just as important as first aid supplies. It is difficult for us to remember what to do in each and every emergency situation, and unless you are using your first aid skills day in, day out, it’s easy to forget

everything you have learnt.
Many first aid kits come stocked with first aid manuals. If you haven’t yet bought a kit, try to find one that also includes a guide. If you already have a kit, there are a number of options available. Next time you stock up on first aid supplies add
a first aid manual to your shopping list. Amazon.com offers a huge range of first aid manuals (and first aid kits), so next
time you’re picking up a few books, CDs, DVDs, or anything else from Amazon, place a first aid manual in your shopping basket as well

Real Estate Buying Tips First Time Buyers Don’t Usually Hear

If you’re beginning to think about buying Long Island real estate for the first time, you’ve probably realized that there’s a lot you don’t know about the loan process, home values, down payments, and mortgage insurance. Here are four little-known tips for first time homebuyers that may make the process easier and less stressful.

1. Make sure you have enough money to cover closing costs. The closing is the actual purchase of the real estate, the day that it becomes yours. The money you’ll need to have in order to cover closing costs is more than just the down payment. It also includes title insurance, attorney’s fees, recording fees, the pro-rated taxes for the year, and everything that goes into escrow if you decided to use it, including around 15 months of your homeowner’s insurance, around seven months of your taxes, and your mortgage insurance premium if you put down less than 20%.

2. Pre-qualify for a loan before you start looking at houses. Sitting down and talking with a mortgage broker before you step foot in any real estate on the market will give you a realistic idea of how much house you can afford. Remember, you’re paying homeowner’s insurance, taxes, and sometimes other costs on top of your principle and interest every month. The broker will be able to give you an idea as to how much your interest rate will be and can show you different purchasing scenarios.

3. Putting more money down than is required by your loan is never a bad idea. If you’re looking to put less than 20% down, you’ll have to pay mortgage insurance every month, which is calculated by taking a percentage on what you still owe on the loan. This is money that you pay that you won’t get back in investment value. In fact, you can’t remove this cost until you owe less than 80% of the selling price of the house. The more you can put towards this number, the more money you’ll save in the long run.

4. Real estate investments aren’t recession proof. As many people learned during the recent housing bust, home prices aren’t guaranteed to go up. In fact, it’s possible that they can fall so much that buyers can wind up owing more than their “investments” are worth. Predicting future value is really difficult because it depends so much on human whims. However, if you’re looking for the stability of owning your own piece of property, and you’re emotionally and financially ready, it’s the right time to buy for you.

Purchasing real estate is part of the American dream, and it’s a goal held by many people. We’ve all heard advice about buying when the market is low, looking in neighborhoods with good schools, reading carefully through the inspection reports, and making sure you completely understand all the loan documents. However, these four tips are advice that many newcomers aren’t given.

How a Videographer Helps in the Video Production Services

What is the power of video Production? The simple answer is that your online videos are invaluable, but that sounds too general. Well, why not consider a study by Online Publishers Association (OPA) in 2013? The findings show that 80% of internet users can recall watching a video ad in the last 30 days.

COMSCORE in its own 2014 project found over 124 million internet users watch clips online. 32% of these viewers do so actively because they want to learn about a product or brand. With more exciting statistics flowing in, hiring a professional videographer becomes a foregone conclusion to give you a competitive edge in your niche.

Invaluable Role of a Videographer

It is imperative to understand the crucial role these professionals play in order to utilize them optimally. They ensure you get a scintillating production that won’t be lost amongst millions of others. Some of the roles these producers play include:

1. Script Development

If you feel you must come up with all ideas, you are wrong. The most watched clips are done by professionals who have taken time to analyze a client’s objectives comprehensively. These experts work with you to come up with a workable plot which translates to an amazing corporate film.

2. Talent Selection

A videographer stands behind the lens and knows the best people who can help your production pass a desired message. These highly trained experts will help pick the best talent from your staff and beyond. Such individuals might not be so conspicuous, but remember the one behind the camera has an eye for detail and knows the right person to unlock the potential of your project.

3. Technical Coordination

If you are an aggressive business executive, you must have at one time wished you had sophisticated gear to make in-house clips. While buying is the easier part, using these gadgets optimally can only be done by an old hand, which is the main reason you must have an expert behind the lens.

They know where to place what, and this enhances the efficiency and effectiveness of your project. What’s more, they appreciate lighting, background, framing and other technical areas which you cannot personally manage.

4. Outside Perspective

What makes one product click while the other gets lost in the crowd of boring productions? The secret is in getting a second or even a third opinion on your project. You might be an old hand in handling these projects, but when you infuse new blood to look at things, they will bring a novel approach to give your short films a much-needed impetus.

But this is not all your video producer offers; they are involved from pre-production to post-production, as well as editing and evaluation of the entire development. In essence, they ensure things run seamlessly despite the chaos that characterizes production.

Videographers at VCM Interactive play a critical role in video production services that includes vision and cinematography, video editing, framing etc.