As the snow begins to fall and building leaks begin to occur, some building owners are learning the hard way that their commercial roof system is not up-to-par. Sadly, this neglect of regular commercial roof repairs can result in very costly emergency leak repairs. However, with regular commercial roof repairs and proper roof maintenance, emergencies such as this can certainly be minimized, if not eliminated. By scheduling regular roof inspections, patching small leaks before they become larger, and employing other preventative roof maintenance measures, you can increase the lifespan of your roof, save money on unnecessary heating/cooling, ensure the safety of building workers/patrons, and save money on emergency leak repair services that could have easily been prevented.The popularity of commercial metal roofing applications grows at a healthy rate every year due to the countless advantages that metal roofs offer. Commercial metal roofs are durable, long-lasting, versatile, and light-weight thus requiring little-to-no maintenance for many years. Additionally, commercial metal roofing systems can help reduce energy consumption, smog, and urban heat island effect. Metal roofs can last 50 years or more and most manufacturers offer 10 year warranties on any metal roof repairs. Typical commercial metal roofing materials include pre-finished steel (a weathertight and finished warranties up to 30 years), copper (a weathertight warranty up to 30 years), and zinc (a weathertight warranty up to 30 years).If your business is looking to go “green” and save some money than installing a commercial solar roofing system may be just the key. Popular commercial solar roofing applications, such as Crystalline, Thin Film Laminates, and Solyndra, each offer unique benefits and all maintain a lifetime warranty of 25 years. Crystalline is a very durable products with shatter resistant glass and resistance against hail. Thin Film Laminates are severe hail and hurricane wind certified. Solyndra is both hail and wind resistant.Commercial steep roofing is a popular application to add an aesthetically pleasing look to any commercial building. Popular commercial steep roofing materials include slate, shingles, and tiles. Slate is a very durable product that lasts for a lifetime. Shingles are a very durable and economical product that typically lasts 20-50 years. Broken or missing shingles can easily be replaced and fixed during the lifespan of the roof. Tile is also a very durable product that lasts roughly 50 years.As one of the most popular commercial roof applications, commercial flat roofing options, such as EPDM, TPO, and PVC, are durable, economical solutions for your commercial roof. All three commercial flat roofing applications maintain a manufacturer warranty of 10-30 years depending, and if properly maintained can last for many more years. Commercial flat roofing applications are some of the most popular on the market due to durability, lifespan, and affordability.Regular commercial roof repair and maintenance over the years can extend the lifespan of your roof, save you from exorbitant costs for emergency leak repairs, and ensure the safety of your workers and patrons.

Many people enter a job market right after school and jump right into life feet first. Money comes in from a job, then goes right out to liabilities, food, entertainment… all necessities and pleasures in life. This is often called being stuck in a “rat race”. Every month is the same thing… money comes in, money goes out. Once you’re stuck in it, it’s very difficult to get out. But not impossible.Now, money you make in your job is dependent on your ability to perform a task or function and amount of time put into that task or function. Essentially, it is trading time for money utilizing a learned skill. But this can’t possibly go on forever, can it? What happens when you get too old to perform these same tasks required for a job?Unfortunately, for some people it goes on for a very long time. And when people who don’t invest in things that will bring in income whether they work or not can’t work any more, they don’t have anything to help them live as comfortably as they are today.Until most people get into a career job that offers good benefits (including a 401k), money is rarely put toward investments. Money is made and spent as fast as it’s made, giving a person necessities and comforts of life at the time – and then some, but not allowing much for a prosperous future once job income stops.Everyone at some point in their life must face the reality that a job is not going to give them everything they want or need in life – especially a life after retirement age. Investing is something best figured out early in life.To understand how important investing is, you must first understand what investing is. An investment is a method of making money from a one-time effort. Sometimes this effort can be intense and take some time, but it can provide income for many years to come without having to put forth that same effort or time.If you do a bunch of research to buy a house to use as an investment, you only have to do that research one time. Once you buy an investment, it will make money for you with very little effort. If you write a book and put it on a website to sell, you only had to write a book one time and it will make money for as long as it is active on the website or in a book store. If you research a company stock and find a perfect one, investing some money in it, money then starts doing work and making money without you having to do anything.These are just simple investment examples that do take some effort. The point is that making money from investments is a lot easier than making money at a job if you know what you’re doing. A huge difference between an investment and a job is how much time and effort someone has to put into making money. Cool thing about investing in the stock market (whether it be traditional buy/hold/sell trading, 401k investing, or options) is that you only have to learn how to do it once, keep repeating what you learned, and let each dollar you invest do all of the rest of the work for you so you can enjoy life as it was intended.Of course there is one HUGE problem that everybody faces before they can invest. Where do you get money to use to make money? When living life in a “rat race”, you eventually get caught up in an impossible circle that is very hard to get out of.Don’t worry!You have money… you just don’t know it yet!There are ways to make a few changes in your life to start building up “capital” for investing – no matter what type of investing you are looking to start. It will be slow at first, but it will definitely morph into something you won’t believe possible.One way to build up investment capital fairly quickly is opening a “Round Up” Savings Account. This type of capital growing account actually helps you save and build money based on your every day purchases. You attach your checking accounts or credit cards that you spend money on to your Round Up account and for each purchase you make, this account rounds up to the nearest dollar and deposits that rounded up cash into an investment platform that helps your savings grow faster. Not much work, is it? This special investment account does the rest.For example, if you spent $20.57 on something, it rounds that up to $21.00. The round up, or $0.43, is placed in your account which is divided among several stocks based on account settings.If you make 50 purchases from your checking account in a month averaging $0.35 a round up, you will save $17.50 in that month. That’s $210.00 in a year saved just by rounding up these purchases.Money invested in this round up account goes up and down with stock market movement. At 5% gain in a year, it will go up by $10.50 more. And some stocks that your money is invested in earn dividends that are automatically reinvested into your account.This doesn’t sound like much, but over time, it will continue to grow. This is an investment in itself and can grow pretty fast if you are consistently adding to it. If you have extra money you’d like to save during a month, you can also make deposits to apply them to your account to grow your account even faster.A Round Up Savings Account is simply a stepping stone to get you to a higher level of investing, which can be a stock trading, option trading, a retirement investment account, real estate, or anything else you can invest that money in to make more money.Once you build up some good investment capital in your Round Up account, you can withdraw it whenever you want and use it to purchase assets (things that earn you money – unlike liabilities) or to invest in stocks to make even more money over time.

As a means to make America healthier, the health care reform bill includes provisions to provide screenings for cholesterol, diabetes, and blood pressure. These new rules allows for preventative care to be covered under your insurance plan at no additional cost. Under these new rules, if you enroll in a new health plan on or after Sept. 23, 2010, the plan must provide recommended preventive care services without cost-sharing such as co-pays or deductibles.Depending on the type of health plan and other factors such as your age, preventative care will include the following according to sources:· Blood pressure, diabetes, and cholesterol test· Cancer screenings· Counseling on smoking cessation, weight loss, healthy eating, depression treatments, and reduction of alcohol use· Vaccines for measles, polio, meningitis, and HPV (human papilloma virus)· Shots for flu and pneumonia prevention· Screening, vaccines, and counseling for healthy pregnancies· Well-baby and well-child visits up to the age of 21, as well as vision and hearing, developmental assessments, and body mass index (BMI) screenings for obesity· Mammograms for women over age 40· Pap smears for cervical cancer prevention· Colon cancer screening tests for adults over age 50The plan is designed to create a country which will be healthier. This reform represents a fundamental shift in how you are going to be cared for. This reform will place the focus on how to keep you well rather than how to treat you when you are sick. So many Americans go about their daily lives without knowing the status of their well being. Many of you don’t realize that you have a potential life threatening condition such as high cholesterol until it’s too late. In most cases the co-pays and other out-of-pocket costs to help identify these problems are a stumbling block. This plan will provide you with the means to be tested so you can know where you stand so you can know what to do to correct these conditions before it becomes a serious issue. The reason why the health care reform bill has place an emphasis on preventative care is because chronic diseases such as heart disease, cancer, diabetes and others are responsible for seven of 10 deaths among American each year and account for 75% of the nation’s health care spending. According to government estimates between now and 2013, the new preventive care provisions will help an estimated 88 million Americans get preventive care, including those in group and individual plans.What you need to do is check with your employers and their insurance policy about what is covered under those plans, when the plans turn over to a new one the new covered preventive services provisions will take effect. If you have an existing health care plan you are paying for individually, contact them to find what will be the process to implement the provisions of the health care reform bill. In the meantime you are encouraged to go to check out www.healthcare.gov, type in a health plan, and see if preventive care is covered under your current plan. As always to your health!