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Someone recently asked me to “park the price of a metal roof.” I’m afraid I insulted him when I couldn’t help but laugh out loud.

The useful answer is so long and conditional that it is almost useless. Only our company offers metal roofing ranging from less than $1.00 per square foot to more than $15. If you add labor to these numbers, you can easily have a price range that could equal almost a 20-to-1 spread. So you might have answered, “Something between $5,000 and $100,000. that for a ballpark?”

The fact is that there is such a variety of options that any attempt to park can set a ridiculous standard against which any given job will be unmatched. We have “inexpensive” roofs that are meant to be utilitarian and quick to install. They’re not particularly pretty, and a lot of people wouldn’t want them in their home, but they do work for what you pay for, and some people are just thrilled with the result. On the other hand, I have clients who want the best and want their investment to be a showcase for their home. For that kind of client, few things advertise “Real Estate Quality” like a solid copper or zinc roof.

Metal roofing materials also have the distinction of having possibly the widest variance in labor rates for their installation. Since there is such a colossal difference in levels of detail between the cheapest and the finest material styles, the cost of labor is proportionally very different. The time it takes to slap and “clamp” long, seamless panels on a walkable pitched roof is possibly a tenth of the time it might take to fine-tune around architectural details on a steep and complex English Tudor mansion. As one considers the range of variables, it becomes easier and easier to understand why “ball parking” is fraught with danger when it comes to metal roof prices.

One thing is certain, whether you are looking for the most functional or the most impressive, few materials offer the breadth of value and appearance that metal roofing materials do. If you visit our metal roofing sales website, metalroofnet.com, to research metal roofing options, you’ll quickly see from the wide variety of appearances why metal roofing prices are difficult to approximate. What would be helpful, however, is to pick a profile or two from some of the photos you like and see if there is a style of building or house that resembles yours. With a profile and rough roof line to consider, a quick phone call to us and a few more questions answered and you could have something close to a useful number. Of course, if you really want to do your homework, go to http://www.ReRoof101.com and order a computerized aerial photo map and pricing formula for your home and get VERY helpful figures. You will then be way ahead of even experienced roofers by having good numbers from which to make decisions about your next roof, metal or otherwise.

In the 1950s, when soldiers had returned from World War II and America’s industrial production centers had reverted to civilian products, the American dream came to mean owning a house with a white picket fence and having a large yard for children to play. . What’s left behind is the reality that home ownership isn’t for everyone. It really is okay to rent and not own. Let’s look at some reasons why that’s true.

For many years, it was up to the person who wanted a house to build that house for himself (typically) and the needs of his family. After the pioneer days, people used to rent a house for most of their lives. Getting shelter has certainly changed throughout history, and renting is definitely becoming popular again.

One big advantage that renting has over owning is that you don’t have to incur the maintenance costs involved in maintaining the building. The landlord covers all repair bills or, if paid, has the right to deduct them from your rent. Upgrades to the rental unit, such as new countertops or upgraded vinyl windows, are also paid for by the owner. You get all the benefits and don’t have to take out a second mortgage in the process.

Another great advantage that renting has is that you can have access to things like a gym, swimming pool, tennis courts, and on-site laundry that doesn’t cost you a penny, it’s all included in your rent. Many times your utilities, or at least some of them, are also included in your monthly rent amount.

Renting has advantages during tough economic times. He does not have to pay high property taxes on a house that is under water. He doesn’t have to make a hefty down payment either, just the deposit. Let’s say he is looking for a house to buy that is priced at $200,000. If you have to put down a 5% deposit, that’s $10,000, an amount that will give you several months of rent!

Some markets have bounced back after the Great Recession, but others are still struggling. Those markets are more difficult to sell a home because many people are trying to get out of a mortgage that is valued at more than the home’s current value. Instead of appreciating, the house has depreciated and is no longer the investment it could be.

A rented house or apartment is also a great way to downsize people. When the kids have moved away and you just want a place for the two of you, a rented place is a great idea. Not having to do yard work or maintenance means you’ll also have more time to enjoy retirement.

Renters insurance is also much less expensive than homeowners insurance. You just have to cover your contents and a little liability coverage. You can get renter’s insurance for less than $15 a month, great for the budget conscious!

For some, owning a home is the only way to go, but for others, renting not only makes sense, but is a perfect fit.

As a smaller foreclosure cleanup business, your company can sign up to subcontract work with larger property preservation companies. You can offer your services on a subcontract basis for jobs such as inspections, repairs, lock and window boarding changes, lawn maintenance, winterization, indoor trash removal, outdoor debris removal, etc.

Many of the larger companies increasingly require the smaller subcontractor to complete a questionnaire in order to be considered for foreclosure cleanup subcontracting work with their companies. These questionnaires are simple “elimination” tactics so larger companies can get the most qualified subcontractors.

Are you familiar with the HUD guidelines?

Many of these mini-tests are designed to determine your level of understanding of HUD’s guidelines for property preservation work. Many of the larger companies obtain much of their property directly from HUD’s management and marketing (M&M) contractors.

M&M’s contractors literally market and manage single-family properties owned or held by HUD. (These are homes that had an FHA-insured mortgage where the owners defaulted. The lender or mortgage company that suffered as a result of the default eventually titles the home to HUD in exchange for an insurance claim payment.)

A property conservation questionnaire can range from the very simple to the ultra-complex. See some sample questions and answers below.

Sample questions and answers

Many questionnaires contain common questions of the definition type of the real estate industry in relation to the Department of Housing and Urban Development. For example, a questionnaire might ask the following:

Ask: What is the definition of Condition of Transport in relation to a HUD property?

Answer: It could indicate something very simple, such as the following: For a property to be in Transferable Condition, as far as foreclosure clearance is concerned, the property must be undamaged (not damaged by flood, fire, hurricane/tornado, boiler, etc.); the grass must be cut; the property must be sufficiently winterized; all debris and hazardous and unsanitary materials must be removed; and the property must be efficiently protected and secured, including all pools and hot tubs, at a minimum.

Another sample question you might find on a test might be the following:

Ask: Describe in detail the steps to take when winterizing a property with a dry heat system.

Answer: Dry Heat Systems. The hot water heater and all domestic water supply and distribution lines must be sufficiently drained to prevent freezing and other damage. All valves and taps must remain open during the process. (After drainage is complete, they should be closed.) An adequate amount of antifreeze must be placed in all accessory traps, including toilets and tanks.

To differentiate yourself as a potential foreclosure cleanup subcontractor, you could provide more detail in your response. For example, using the previous winter preparedness question, you could elaborate on the answer by describing winter preparation requirements in greater detail by drawing information from HUD’s guidelines (which can be found fairly easily by searching the Internet).

For example, you could include the following in your response:

Answer — Generally, properties must be winterized once between October 1 and March 31, although there may be exceptions based on local requirements. Unless otherwise specified, winterizing should include flushing toilets and draining all heating and plumbing systems sufficiently to prevent damage and freezing. Air pressure, or in some cases antifreeze, can be used to clean the system and prevent it from freezing.

All tasks must be performed in accordance with local and state codes and regulations. Before and after photos, along with other supporting documentation, must be submitted for reimbursement.

More sample questions

Here are a few more sample questions you may run into when taking a foreclosure cleanup subcontractor test (see if you can find the answers online yourself):

During a garbage collection, you notice a motorcycle in very good condition in a detached garage. What should you do?

When does the lawn mowing season start and end in your geographic coverage area?

Describe the services performed during a formal garbage collection?

What steps should you take if you arrive at what is supposed to be a vacant property with a warrant to secure it and discover that it is occupied by someone?

All of the answers above can be found in the HUD Guidelines, which, again, can be found quite easily online.

Don’t let a quiz put you off

Although many of the larger and more formalized companies require you to fill out a questionnaire to register your foreclosure cleanup business with their companies, many do not. So do a search on the internet, and if a company seems to be a good fit for your business in terms of services and geographically, don’t let a questionnaire stop you from registering as a potential subcontractor for their company.

Forging partnerships is the key to growing your business

Do your research and attack the quiz with fervor. As a smaller foreclosure cleanup company, getting subcontracted work through the larger preservation companies serving your area can exponentially increase your bottom line.

Many of these larger companies often service hundreds of properties at the same time, in multiple states. Forging a partnership with the largest property preservation company is the key to truly growing your foreclosure cleanup business.

Best wishes for success with your foreclosure cleanup business.

If you rent your home and think insurance is only for homeowners, you may want to reconsider. The truth is that renters can benefit from insurance just as much as homeowners. There are some situations where your landlord’s insurance may benefit you, but in most cases, you’ll need your own. Here are some of the reasons why not buying renters insurance is a risky decision.

#1 – Landlord’s insurance only covers the structure

Assume for a moment that you live in an apartment building owned by a large company. Then suppose the apartment building burns down and his apartment is a total loss. The company that owns the building, the landlord, so to speak, has insurance, but that insurance only covers the structure. This means that the business will be reimbursed for repairing or rebuilding the structure, but your personal effects that were destroyed in the fire are not covered.

Also, if you have a friend at home and that friend is injured while in your apartment, you may be liable for damages. This is true even if the injury was caused by something the landlord is responsible for, such as a leaking water heater or a shorted appliance.

#2 – Your property is valuable

Everything that belongs to you, including jewelry, appliances, electronics, and other valuable items, is your responsibility. Your landlord’s insurance policy won’t cover these things, so it’s up to you to purchase that coverage. Imagine losing everything you own to a fire, tornado, or other disaster, and having no way to recover those losses. That’s exactly what could happen if you don’t buy insurance.

The best way to shop for a policy that meets your needs is to have all your possessions appraised and build a portfolio. It’s even better if you can take photos of items that are especially valuable, which can include expensive electronics, furniture, and antiques. Then you can decide how much coverage you need and choose a policy that fits your budget.

#3 – Renters insurance is cheap

If you’re putting off buying a renters insurance policy because you think you can’t afford it, you may be surprised at how affordable some of these policies really are. Most renters pay between $20 and $30 a month for their coverage based on national averages. That’s because, unlike homeowners insurance policies that must cover everything, including the structure itself and any liability for injuries, a homeowners policy already covers the structure, and your policy may also cover injuries that occur in your building outside of your apartment. You will only need to cover your belongings and any potential injuries that could occur inside your apartment.

Renters insurance is designed to cover everything not covered by homeowners insurance, including everything you own and any injuries that may occur within your rented space. It’s incredibly affordable, making it a fantastic investment that no renter should be without.

If you are looking for buyers to sell your house, professional home buyers are really helpful. The biggest advantage of selling your home to these buyers is that you don’t have to wait too long for your home to be sold. Many buyers also go to these people. Therefore, your house may be sold early. These people do direct business. They will buy your house and provide you with their cash amount and sell it whenever they want. This is what a real estate business is. Due to the financial crisis last year, residential property prices fell. Due to this financial crisis, many people become victims of huge credit card debt and many have to give a large amount of money to mortgage lenders. In these critical circumstances, you may not be able to find buyers who can offer you a very good price, and your house will remain on the market for a long period of time.

To avoid this situation, it is good to get help from professional homebuyers. Many people contact them on a daily basis because it is very difficult to find a suitable home of their own. They only count their requirements and these buyers provide them with homes that meet their requirements. If you want to stop foreclosure on your home, then you need to sell your home. If you try to find a buyer according to your requirements, you will not find any buyer soon. So to save time, if you consult professional buyers, your problem will be solved much faster. You don’t have to repair your house to make a good sale. You don’t need to hire agents to get a good deal. You don’t have to make a list to attract buyers. In addition, you do not have to give commission to anyone to sell your house. All these problems will be borne by your professional buyer. The biggest advantage is that these buyers buy houses of all types located in any area. So you don’t have to worry about the requirements of regular buyers.

Fortunes have been made investing in property in Whistler, BC, which now has the most expensive real estate in Canada and some of the most expensive in all of North America (a not particularly large house is on the market for $20 million). But is this game over? Should the astute investor be long or short the Whistler property in his portfolio? And if he’s considering investing in Whistler properties, what types of properties offer the best bet for both current returns and capital appreciation?

In the past, the smart money has invested in off-plan condominiums and townhomes. These developments have offered investors the opportunity to purchase a property before the land has been broken up with a small deposit, with additional payments as construction progresses. Time and time again, these properties have been “invested” before additional payments for substantial gains were due. If you only had to contribute 10%, but the value of the property has increased by 20%, you could see a 200% return on your money in just a few months. This was done over and over again; it was a game in which fortune favored the bold. A famous investor turned $10,000 into $50 million in 10 years by repeatedly playing this game.

Of course, this is a game of leverage and when prices start to drop, leverage quickly works in the other direction. This is starting to happen in Whistler now, where investors in the Four Seasons have taken a severe haircut as prices didn’t rise as expected. As a result, the secondary market is now teeming with rooms for sale at prices that, in many cases, are significantly below the price originally paid to the developer, implying a substantial loss to the original investor.

So are there still attractive opportunities for investors in Whistler? If you’re willing to bet on a change in visitor demand for the resort (certainly the underlying driver of investment value), then there may be. But where should you look? A very noticeable factor in the recent recession was that the fringes suffered more than the center: visitors wanted to be in the Village or within walking distance of the Village, and properties outside of this area suffered disproportionately. So if you need the performance while you wait for recovery, focus on homes near downtown. There are home opportunities in Northern Lights, where you can pick up a 4 or 5 bedroom townhome within an 8-minute walk of the Village and gondolas for $1.6 million. In the middle of the Village itself, you can find a 2-bedroom apartment for around $600k. Yields on these properties hover around 3-4%, much better than properties in the outlying areas, which rarely exceed 1%. If you’re more of a speculator and not so concerned about short-term returns, you can look for a property in Taluswood on the lower slopes of Whistler Mountain at a deep discount.

In either case, you should seek the advice of an experienced and skeptical real estate agent while also speaking to a professional property manager about how much your property can really be expected to earn while you wait for the market to recover.

The real estate market thrives with many opportunities that give people a chance to win. The portfolio is so diverse that there are also many investments to try.

Rental properties are among the most common real estate investments. This is as simple as buying the property and letting someone (tenant) rent it for a period determined by a contract. While the landlord (property owner) is responsible for maintenance and taxes owed, the tenant is obligated to pay monthly rent.

The downside of this investment is that the landlord will have to deal with irresponsible tenants. These people don’t care about anything and may end up damaging property.

If you are not interested in this real estate investment, you can try the real estate investment group. It will allow you to purchase apartment blocks, condominium units, or even townhouses with a single company acting as property manager. You keep the property, usually documented in block and blank. The investment company collects the payments for you by keeping a portion of what tenants pay for monthly rent. In some cases, a portion is allocated to cover units that remain vacant for short periods.

Another real estate investment is called flipping. In this method, you buy a property and hand it over to the next owner. It’s like buying and selling. Typically, changing a property takes three to four months. You just have to be interested in properties that can be sold without having to modify them at all.

However, there are newer pinball machines that also shell out a small amount of money to make the properties they buy more attractive. Few renovations and improvements are made before looking for the next buyer. This buyer can be someone just looking for their new home or someone who is also a real estate flipper.

There are also real estate investors who take risks in financing people who have an overdue mortgage. Some do it in exchange for collateral like cars. Some take title deeds and return them to the owner when the debt has been paid.

Real estate is truly diverse. Many forms of investment are now available to those seeking not only shelter but also protection from financial crisis.

If you are looking for real estate investments within your place, seeking the help of a real estate professional is a great leap towards this realization.

While the Bible is the greatest and best-selling book of all time, many people struggle to read and/or accept it. On the one hand, some believe that it is impossible to understand. On the other hand, many believe that it is irrelevant. Could not be farther from the truth. In addition, there are creative strategies whether the group is made up of children, youth or adults.

This article recommends a novel approach to this challenge: playing games. Why not use them in Sunday School or Bible Study? Before you know it, participants will learn the scriptures, principles, vocabulary, events, and more.

To that end, a review of seven games that can be found online is provided along with suggestions for maximizing the content. Another option is to change your own games. The choice is yours. Take your Bible and concordance. So, full steam ahead!

7 games

1. Bible Scrabble

Use Bible Scrabble as a fun way to test what has been taught. Or use it as an introductory exercise, for participants in classes and study groups to express topics that interest or confuse them. You will get information about your expectations and fears.

With this in mind: 1) ask participants to use letters to spell topics of interest, 2) ask participants to spell topics that confuse them, and 3) ask participants to spell Books of the Bible.

two. word puzzles

Inspire your students to talk about the Bible with puns; they strengthen Bible vocabulary, speak of faith instead of fear, and encourage conversations about the Word. How can you integrate them into your lesson? Let’s count the shapes: Look up terms in the concordance. Locate words used in the scriptures. Compose sentences using words based on faith. Do a series of lessons on topics like faith or prayer.

3. Late for Heaven Bibleopoloy

This game is like Monopoly but with one big difference: in Bibleopoly, the focus is teamwork, not accumulation. The spaces on the game board relate to places and events from the Bible. Unlike the monopoly winner who gets the most real estate, the bibliopoly winner wins when he or she is the first to build a church in a biblical city. Along with your Bible and concordance, have your computer handy to search for maps.

Four. Biblical Quote Board Game

In general, a quote enlightens and inspires. With the Bible Quote Board Game, you can find it in the scriptures, examine who said it, research the meaning, and see how it applies to the reader.

5. bible sequence

This board game has cards with scripture references and a story title. The winner places five tiles in a row. Write a series of lessons about the stories or the scriptures.

6. trivia of the bible

At the same time, Bible Trivia focuses on biblical events from the Old and New Testaments. The game has questions, more than 700, for children and adults. If you want to go deeper into the events, make an outline and use the concordance to get additional background information.

7. save the lost

Save the Lost is another game to illustrate biblical principles. In addition to being suitable for all ages, it can be applied in different formats to achieve different goals. For example, play Save the Lost in class, at youth conferences, or at camp. Also, use the game to discuss evangelism and how to share personal testimonies.

Since my mother passed away from pancreatic cancer, I have dedicated much of my life to writing articles that help pancreatic cancer patients improve their quality of life. Life is precious and until some are faced with a life-threatening illness like this, many don’t take the time to realize how fragile and precious life can be. What can you do when your most valuable possession, life, is in danger? The answer is that you appreciate what you have and take the necessary steps to make the most of the time you have. This article is about digestion and debt relief for pancreatic cancer patients and their families.

Digestion and debt relief may seem like two peculiar topics to address, but in essence, treating these two issues can make a world of difference for pancreatic cancer patients and their loved ones. I will first address the topic of digestion for those dealing with this brutal cancer, as proper digestion is vital for the pancreatic cancer patient. The reason for this is that people with this disease fight to live while Cancer fights to destroy them. We all know the often used expression: “You are what you eat”. The problem is that if you can’t eat you become nothing because you don’t eat anything or in other words you die if you can’t nourish your body.

There are tons of books on nutrition plans and diet suggestions for cancer patients full of great advice on foods that can cure you or help you live longer, but you have to be able to eat them for it to work. Pancreatic cancer robs you of your digestive abilities in many ways, from stealing your appetite to causing great discomfort when you eat. You can eat several small meals throughout the day, take supplements rich in vitamins and protein, and you can even take your digestive enzymes, all recommended, but there will be times, no matter what you do, when it will be difficult to eat.

A nifty little trick my father discovered helped my mother when she did it and will most likely help you or your loved one as well and I encourage you to do so faithfully. Eating the right diet during cancer is vital for strength and for some even recovery. One crisis specifically associated with pancreatic cancer is that the entire digestive system is disrupted, making it one of the worst cancers out there. A simple little item eaten with every meal and snack can provide digestive relief and that is a pickle. There is something about the composition of a pickle that aids in digestion and helps prevent acid reflux, sickness, and pain associated with illnesses that make it difficult for people to eat and digest food. If you’re not already doing this, you should start eating a dill pickle with every meal and see the difference. You will be pleasantly surprised and you have nothing to lose. I am not a doctor and this is not medical advice, it is just something that could possibly help you or your loved one live longer based on something I have witnessed first hand. Try letting dill take care of your digestive issues.

The most a pancreatic cancer patient can eat, especially of cancer-fighting foods; the better her quality of life will be. It doesn’t do anyone much good to live long with a disease if they have a poor quality of life, and for the cancer patient, quality of life is a fundamental treasure, as you never know how long you have to live. What if the ability to eat the right foods helps you live longer on this earth? And yes? Aren’t dill pickles worth trying? It was very painful to see my mother not being able to eat. We were so happy when she was hungry and then seeing her wracked with pain after eating was always a scene that killed the joy of victory we thought we had achieved moments before. When the pickles helped her to digest the food without complications or pain, I got new hopes of a long life or recovery for her, but she didn’t stay constant and that was the undoing of her.

Fortunately, you can learn from our mistakes. Sometimes it’s hard to get a cancer patient to do what it takes to keep her alive when she’s taking mind-altering painkillers like morphine. What I recommend is to make sure that the cancer patient you know, especially those with pancreatic cancer, faithfully continue the pickle eating regimen, no matter what the cost. It always amazes me how a component of a cure can be a simple element that we have never paid attention to before. Two other treatments I recommend you research online for cancer are the baking soda treatment and the asparagus treatment. Try everything reasonable until you find something that works.

Second, I would like to address the issue of debt. Cancer is a very difficult disease to treat and most people do not have enough insurance coverage to meet the high bills of cancer treatment. All the medications we had to get for my mother were so numerous and expensive that our annual prescription drug benefits were exhausted. Some prescriptions cost up to $800 for a 10-day supply. It is absolutely outrageous that when a person is dying and paying her debt with his life, he almost has to break down just to live or live a little longer in as much peace as he can find with the disease. I have some FREE suggestions for you.

First and foremost, realize that cancer can happen to anyone. Cancer does not discriminate and no one is exempt. Cancer strikes the rich and the poor, the famous and the unknown, the young and the old, the black, white, brown, red and yellow. I would suggest Aflac to everyone and I’m not an Aflac agent but I’ve had it for years and I know they offer a cancer plan that pays you a claim at diagnosis and also helps pay for what insurance doesn’t cover along with out of pocket expenses . income payments. You would have to contact an agent for more details. I just wanted to tell you a little about it in this article.

Next, I would research the studies that are being done for cancer patients. Pancreatic cancer is a cancer that has been neglected when it comes to cancer research and even recently bills were passed to do more research on pancreatic cancer. If a pancreatic cancer patient is accepted into a study, they can often receive the latest cutting-edge treatments for the disease at no charge. I definitely recommend participating in a study, but if the treatment seems too hard on her body, don’t continue. Because pancreatic cancer is so difficult to diagnose, it is often not diagnosed until it is already stage four, and at that stage there is often very little benefit from chemotherapy. My mother tried an experimental chemotherapy that showed improvement but was unable to continue with it due to the effects it had on her.

The third thing I want to share on the topic of debt relief is regarding life insurance. The only thing I really have to say about this is make sure you have more than enough life insurance to cover the funeral. Life insurance should have an amount that covers funeral arrangements as well as bills and living expenses for those left behind. I’m sorry and I’m not sorry to say that. I’m sorry because the reality that death can occur is very difficult to deal with. It is extremely difficult to think that the person you love or even yourself is no longer alive. I am not sorry because it is a possible reality that must be faced. My mother left a bunch of bills for my father to deal with and, to his and the family’s injury, it would have been nice if the collectors hadn’t called while we ourselves were grieving our loss. You have to think about income replacement, funeral expenses, bills, and existing debt ahead of time. He will make things easier in the long run, so please do it.

In addition to providing people with pancreatic cancer and cancer in general with helpful information based on my experience with cancer through my mother, I started a business that helps people become mortgage and debt free. Imagine the burden that can be lifted from you when you own your home and have no mortgage payments. Now imagine what it would be like to not only have no mortgage payments, but also pay your bills, like car notes and credit card bills. Cancer can leave behind devastating debt, such as medical and prescription bills, in addition to debt that was already present before the bills associated with the disease arose. Many cancer patients have to receive home care and then there are hospice care, legal fees and funeral costs. My job is to help people eliminate debt from their lives so they can continue to live with less pressure.

The way I do this is by introducing people to a little known financial system developed in Australia that is now available in the US and Canada. It is not a bi-weekly or debt reduction program, but rather an advanced financial system that allows people to pay off their mortgages and debts in one-third to one-half of the time, allowing them to save thousands and even tens of thousands of dollars in interest while becoming free. of mortgages and debts. It would have been so much easier for my dad if her house had been paid off while my mom was going through her dramatic bout with pancreatic cancer. If her mortgage and her debt had been paid off before she was diagnosed, more money would have been available during the cancer treatment process. You’d be surprised how many people go into debt while they or someone they love has cancer. Debt can add up quickly when charging medical bills and medications to credit cards. Some people even skip their home notes to pay medical bills as it is the most important issue at the time. I don’t want to help you prioritize debt. I want to help you free yourself from the burden of debt, and if you own a home, I also want you to be mortgage free.

One person who recently went through this program I offer had 8 years left on their mortgage when they started and paid off their mortgage, truck note, and credit card debt in less than 13 months with virtually no change to their current lifestyle in the the same income they had always had. Cancer really hurts a lot for the cancer patient and for those who know and love cancer victims. I will give you a free analysis on how you can be mortgage and debt free in 1/3 to ½ the time of your current income to see if I can help you in any way. I am also available to contact for further suggestions on how to treat cancer; specifically pancreatic cancer. My thoughts and prayers are with you.

Paving a new house or a renovation is not an easy task, and choosing the right type of flooring is an important decision. While carpet can be replaced every few years, hardwood, tile, or laminate floors will most likely stay in place for ten years or more.

Hardwood flooring, engineered wood, tile and even stone have their place, but they are expensive and present challenges in terms of durability, cost and warmth; so they are not practical for many families.

Laminate has been a popular flooring choice for the past two decades, is generally inexpensive when you consider lifespan, looks good, and can be installed by those who are proficient at DIY.

Another type of flooring that the two biggest brands of Amtico and Karndean are most familiar with is Luxury Vinyl Tile (LVT). Luxury vinyl tile was traditionally a dry-backed, adhesive-backed product over high-quality plywood or smooth concrete subfloors. Today, LVT is available in click, with installation similar to most laminates, making it easy to hang. Most flooring specialists would still recommend the glue product as it is considered stronger and generally cheaper than its click counterpart.

Luxury vinyl tile is typically more expensive than laminate flooring, but while the two best-known brands are at the pricier end of the market, there are hundreds of other brands and manufacturers to choose from at all ends of the market. spectrum.

While laminate flooring can be cold underfoot, luxury vinyl tile is warmer, can provide excellent texture, and is not limited to wood planks, but can provide long-lasting stone, marble, and mosaic effects. more practical. For many, the most important characteristic of LVT floors is that they are waterproof. While laminate is made up of layers of wood or particle board, LVT is made up of layers of PVC with a high definition print. Because of this, it is structurally more stable and water ingress will not cause it to swell or warp, making it not only ideal for dealing with spills, but can also be used in bathrooms and kitchens, meaning a type of floor could be used in an entire house. . The technology behind some of the most advanced luxury vinyl tile and flats allows them to be etched and textured to follow the natural grooves, waves and knots that would be found in real wood, stone or tile. Laminate boards, while thicker from top to bottom, generally have thinner wear layers, while LVT boards and tiles can carry not only domestic but also commercial warranties of 5 to 20 years.

While laminate and LVT installation can be done by a competent DIYer, laminate is a bit more forgiving. Luxury vinyl requires a subfloor that is smooth and flat, small bumps or blemishes that would be hidden by laminate, if large enough, will show through on a luxury vinyl floor, making subfloor preparation and the associated costs are higher.

In short, both laminate and LVT have advantages over hardwood, tile, and stone flooring, as well as each other.

Laminate is:

• Generally cheaper than other types of flooring
• Relatively easy and inexpensive to install
• stain resistant
• relatively tough
• Easy to clean (although be careful not to get it too wet)

However, it suffers from some drawbacks:

• It can be cold underfoot
• Does not handle water or moisture well.
• It is limited to the wood effect.
• Has a lower wear layer

Luxury vinyl tile is:

• hot underfoot
• Provides an excellent and realistic texture.
• Offers stone, tile and wood effects.
• Can be customized to create borders and designs such as herringbone, basket weave, chevron and more
• Thicker wear layer making it more durable.
• Easy to clean
• Waterproof

But it does have some drawbacks, including:

• More complicated or expensive installation costs
• Generally more expensive than laminate (although cheaper ranges are available)
• Doesn’t deal as well with exposure to flame.