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Signs it’s Time to Call a Roofer

A home’s roof provides it from protection against the weather, ranging from the baking sun during the summer to howling winds and deep snowdrifts in the winter. Even the best-quality roof won’t be able to withstand the worst winter has to throw at it if it isn’t kept in a state of good repair, though, so don’t assume a lifetime warranty means the roof can simply be ignored. Instead, read on to find out about a few warning signs of trouble to come and address them before the temperatures drop.

Advanced Age

Asphalt shingles are the most popular roofing type thanks to their affordability and efficiency, but they’re not the longest-lasting material in today’s markets. They can only be reasonably expected to last between 20 and 25 years with proper installation and adequate maintenance. Homeowners whose roofs aren’t properly ventilated or who haven’t been scheduling routine maintenance may notice signs of premature aging much sooner.

Shingle Damage

Shingles should lie flat against the roof. If any of them are protruding, buckling, or curling at the edges, it may be time to consider replacing them. Roofers can repair the roof by replacing a few shingles at a time if one area has suffered acute damage after a storm, but if the whole roof is showing signs of wear, it’s best to replace it.

Drooping or Sagging

The home’s roofline should look straight, crisp, and level. If the middle is sagging or there are areas that droop away from the peak or edges, it’s a sure sign that moisture has permeated the shingles. This will eventually cause the roof deck to rot, so take action now to avoid more expensive repairs as water seeps into the home.

Moss and Algae

Year-round moisture places homes at increased risk of developing moss, algae, mold, and fungi growth. The earliest sign of these issues is shingle discoloration, so homeowners who notice green, gray, or white discoloration on their black roofs should schedule an inspection with a roofing contractor. The roof may also be retaining moisture, leading to spongy, damp areas, so it’s best to hire a pro to evaluate the situation instead of just cleaning the growth off and calling it a day.

How Locals Helped St. Croix Recover From the Devastation Left by Hurricane Maria

When Hurricanes Irma and Maria struck the U.S. Virgin Islands in 2017, observers knew that the recovery would be difficult. Never before had two such powerful storms come through the territory in close succession, even if they took slightly different paths, in the end.

While none of the islands was forced to bear direct hits from both hurricanes, the two combined to do a huge amount of damage over a wide area. Residents of the U.S. Virgin Islands made an enormous difference by organizing recovery efforts that focused on places where particularly intense need was evident.

Partners in a local consulting firm like Kirk Chewning, for instance, started up a nonprofit called “Cane Bay Cares” that provided a great deal of much-needed aid and support. Efforts like that helped make the aftermath of a twofold natural disaster less perilous to residents.

Cane Bay Cares Steps Up to Help St. Croix

In addition to being one of the most populous islands in the territory, St. Croix is also home to many of the U.S. Virgin Islands’ most economically vulnerable residents. Although some parts of the island feature resilient infrastructure, others are simply not equipped with systems designed to withstand intense tropical storms.

When Hurricane Maria passed directly over St. Croix, the damage was every bit as profound as expected. That left many wondering whether a successful recovery effort could even be mounted, particularly given the struggles of islands like St. John elsewhere in the territory.

Fortunately, groups like Cane Bay Cares were successful at averting what could otherwise have been a true humanitarian disaster. Gathering up many tons of supplies paid for with generous donations, they were able to distribute water, food, medicine, and other essentials to needy people all over St. Croix.

Important Work That Made a Difference

Although there were still plenty of challenges to be overcome along the way, this show of support proved to be critical to getting the island and its residents back on track. Many had expected the toll from Hurricane Maria to rise a lot higher when the final reckoning was made, so seeing residents and others make such a difference was especially satisfying and welcome.

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Licensed Insolvency Trustees Help Many Canadians Overcome Serious Financial Problems

Financial insolvency can be challenging to work through, but there are almost always options worth pursuing. There are a number of types of relief that are available to individuals who meet the standards set in the relevant Canadian laws.

In many cases, it will be necessary for a trustee to be appointed to oversee a debtor’s progress through bankruptcy or a legally binding consumer’s proposal. Hiring a Licensed Insolvency Trustee in Calgary even before such a point is reached can be helpful and wise.

Professionals Dedicated to Helping Consumers Deal With Insolvency

Consumer debt levels in Canada have been rising steadily for many years, and not always with positive, desirable results. More and more frequently, generally responsible Canadians find themselves facing debts they can no longer realistically service.

When that happens, it will almost always be wise to consult with someone who is familiar with all the available options. When debtors in Canada successfully file for bankruptcy or submit acceptable debt repayment proposals, a trustee will normally be appointed.

The Canadian government imposes strict requirements on those who would take on such responsibilities. Obtaining a license to serve as an insolvency trustee requires a significant amount of training, demonstrated knowledge, and experience.

As such, licensed insolvency trustees are typically well positioned to advise people who have not yet taken concrete steps toward resolving their debt-related problems. Because they are required to understand the ins and outs of the Canadian bankruptcy and consumer proposal systems, licensed trustees often have a lot to offer to debtors who need help.

The First Step Toward a Life Free of Debt and Related Pressure

Making an appointment with a licensed insolvency trustee, in fact, often proves to be the most important step a debtor could have taken. Many debtors wait too long to seek support and advice, and that can easily prove costly in the end.

The earlier an insolvency trustee is brought in to provide counsel, the more options will typically be available. A debtor who consults with a licensed trustee early on will also typically have more leverage when negotiating with creditors. Given these facts, it will always be better to arrange for help sooner rather than later.

A Brief Look at How Secondary Lenders like Consumer Portfolio Services Operate

The world of automotive finance is more complex and dynamic than many people realize. While traditional means of financing vehicle purchases are still common, there are newer and more specialized alternatives that benefit many buyers greatly.

Indirect lenders like Consumer Portfolio Services, for example, function according to a distinctive business model that has proved highly viable and profitable. A quick look at how such secondary lenders operate will reveal that all the important details have been accounted for.

A More Modern Approach to Automotive Lending

Most new car purchases today are financed using the sorts of conventional loans whose particulars have not evolved much, if at all, for decades. Many would-be buyers, however, do not have the credentials needed to qualify for such financing and have to look elsewhere for help.

More and more often, that means opting for arrangements that include an indirect lender behind the scenes. This increasingly common type of lending involves a number of distinct activities, including:

  • Contracting. Dealers who see that their customers could benefit from more access to financing will often approach indirect lenders to set up contractual relationships. That will entitle a qualified dealer to approve loan applications on the spot for customers who meet the specified requirements.
  • Purchasing Soon after a qualifying loan has been issued by a partner, an indirect lender will buy it, typically along with a number of others. This frees dealers from needing to keep such liabilities on their books for long at all.
  • Securitizing. Indirect lenders themselves do not normally hold on to the loans they purchased for extended periods of time. Instead, they package them up into securities which are sold on to investors, freeing up more capital to be lent out to car buyers.
  • Servicing. Even after having sold off a loan, a secondary lender will often keep servicing it. Continuity of service makes problems like defaults less likely, in many cases.

An Approach That Has Enabled Millions of Car Purchases

This relatively novel style of automotive financing has allowed many vehicle purchases in recent years. Although there are alternatives, loans that rely on the contributions of indirect lenders have benefitted many car buyers and will do so for many more.

A Peek Into the Life of a Succeessful Businessman

Kirk Chewning is a very successful businessman in the field of finance. Currently, he is part owner and CEO of Crane Bay Partners located on the island of St. Croix on the U.S. Virgin Islands. Below is a closer look at Kirk, his education, and past experiences.

An Expert in Finances

Mr. Chewning is one of the top experts in the fin-tech services area with a lot of expertise in consumer and commercial lending, data analytics, technology architecture and development, financial modeling, metric development, and management consulting. Since 2009, Kirk has been a co-owner and co-CEO at Cane Bay Partners, along with his business partner, David Johnson. Not only does he lead the company there, but he also assists in portfolio risk management cases for their many clients. Academically speaking, Kirk has a bachlor’s degree in finance from Michigan State University.

Past Experiences

Before starting Can Bay Partners, Kirk held numerous prestigious positions. These positions include: running a commercial loan portfolio as VP for a well known international bank, founded and sat as VP of business development for a web application development company, senior consultant for a top ranked marketing company, and traveling the world to speak at strategic engagements for fortune 250 companies. Over his 25 years in business, Kirk has ran many successful companies and founded several technology firms worldwide.

His Current Life

Aside from his professional resume, Mr. Chewning is very active in volunteering and giving back to his community on the island of St. Croix and beyond. For instance, he believes so much in education that he volunteers his time teaching students of all ages important skills and concepts used in the corporate world. With his business partner, Mr. Chewning created Can Bay Cares, a charity that partners up with non-for-profit organizations to provide short-term or long-term assistance for those living on the islands.

Mr. Chewning is a very successful in the the business realm, but he is also very charitable and cares about the community and its youth. He spends much of his time helping others and providing free education to anyone that is interested in learning. In his spare time, you can find him bowling in one of the leagues on the island of St. Croix.

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3 Signs That a Detroit Home Roof Needs Replacing

Detroit’s steamy summers and freezing winters are tough on building materials, which is why area homeowners keep an eye on their roofs. It is common for homes to have shingle roofs that do a good job but can cause problems if they fail. Many residents routinely upgrade old shingles to Erie Metal Roofs so they will not have to deal with roofing problems for decades. Owners also schedule replacement if shingles are loose or they notice roofs are drooping.

Shingles Are in Poor Shape

A roof with damaged or missing shingles can sometimes be repaired, but the problem often points to bigger issues. Strong, correctly installed shingles lie flat. If any shingles are protruding above the roofline, it is usually a signal of underlying problems. Missing shingles are also a problem because exposed areas are unprotected. Even curling shingles can point to hidden leaks that are damaging building materials.

There Is Obvious Sagging

Homeowners can spot sagging roofs with just a visual inspection. Ideally, a home’s roofline has a straight, crisp appearance. However, damage can cause some areas to sag. Owners who suspect this problem can verify it by standing back and examining the roof’s peaks, valleys, and edges. Deviations from a clean horizontal line spell trouble. Drooping and sagging are signs that water has seeped under shingles and is very likely rotting structural materials. Sagging generally indicates the need for a new roof.

The Roof Is Aging

Many homeowners simply arrange for replacement roofs because the current materials are very old. The longer materials are exposed to the elements, the more likely it is that homeowners will experience problems like leaks. Seeping water can harm attics, interiors, and building materials. While high-quality shingles can last well over 20 years, incorrect installation, layers of shingles on top of one another, or damaged decking often shorten their lifespans. Established contractors quickly evaluate roof conditions and recommend energy-efficient, durable, and attractive replacement materials.

Home roofs in Detroit are often made of shingles that loosen or fall off over time. That can lead to moisture damage and sagging roofs. With that in mind, homeowners rely on contractors to provide high-quality replacement roofing for damaged materials and roofs reaching the end of their life.

How To Tell When It’s Time For A New Roof

A good roof is built to last, but even the best roof doesn’t last forever. Every roof has a lifespan that depends on the roofing material used and the weather and climate conditions where the home is located. Knowing when to replace a roof can help to prevent expensive repairs to the interior of the home due to serious water damage. The following are a few tips to help homeowners decide when it’s time for a new roof.

Consider The Age Of The Roof

The most common and affordable type of roofing material is asphalt shingles, and asphalt roofs tend to last anywhere from 20 to 25 years under optimal conditions. Wood shake roofs can often last up to 30 years, while tile, slate, and metal roofs can last for 50 years or more. Homeowners should know the age and material of their roof to predict when it will be time for a replacement.

Consider Weather And Climate

Even though a roof is predicted to last for 20 years or more, weather and climate conditions can sometimes shorten a roof’s lifespan. Heavy winds, for example, can pull up shingles and blow them away. Hail can damage shingles, chipping away at their surface. Freezing temperatures can cause ice to develop on the roof, and as it melts, the moisture can create an environment where mold or moss can grow. Homeowners should check the condition of their roof periodically to determine whether it’s sustained enough damage to warrant a replacement.

Check For Moisture And Light In The Attic

It’s also a good idea to make occasional visits to the attic to see if any light or water is coming in through the roof. Often, homeowners see their attics only rarely and may miss signs of roof damage. Dampness in the walls or insulation is another sign that the roof is no longer providing the protection a home needs.

Homeowners who suspect their roof may be reaching the end of its useful life should consider scheduling a professional roof inspection. Roofers will examine the roof in detail and determine the best course of action. See some great information here about roof replacement.

Good Reasons for Small Car Dealers to Consider Working With Lenders Like Consumer Portfolio Services

Selling used cars and trucks is difficult business, even if plenty of rewards await those who prevail over the competition. Many small, independent dealers today are struggling, particularly when larger dealerships with more resources take aim at the same potential customers.

Small automotive dealers need to use every means at their disposal to compete and stand out above others in their market. Forming a partnership with a lender like Consumer Portfolio Services can turn out to be one of the best ways to ensure the success of a small dealership.

A Partner Invested in Each Dealer’s Success

Specialty indirect lenders now enable a significant portion of the financing that borrowers use to purchase used cars and trucks. In most cases, such lenders reach agreements with individual dealers whereby qualifying loans get purchased soon after each transaction is finalized.

Lenders that focus on this style of financing tend to be less demanding than traditional banks and the like. This means that dealers who work with them will often be able to conclude transactions that would not be feasible if other types of financing had to be used.

That alone can allow a small dealer to start selling more vehicles to a wider variety of customers. Since indirect lenders fare best when their partners are succeeding, though, they tend to offer even more support. Some of the types of services and extras that a lender might provide to a dealer include:

  • Lead lists. Some of the most successful indirect lenders put a lot of effort into developing carefully curated lists of consumers who are ready to buy cars or trucks. Offering these to their partners, they make it possible to carry out targeted marketing with high, rewarding success rates.
  • Direct mail marketing. Many small dealers feel that their lack of scale puts them at a disadvantage vis-à-vis the competition when it comes to marketing. A lender with a nationwide presence will be able to even out the odds when it comes to tactics like direct mail.

Helping a Small Dealership Grow

Choosing to become one of an indirect lender’s partners can provide benefits like these and others to a small car dealer. In many cases, that will make more of a difference than just about any other decision possibly could.