Is your Roofing Contractor Any Good? 5 Ways You Can Be Certain

Choosing the right roofing contractor is one of the most important financial decisions you will ever make. You can only replace your roof once every 25 years or so, and deciding which potential roofer will get the contract for your roof can spell the difference between a sturdy, well-made and beautiful roof and a sagging, uneven mess of rafters, sheathing and roofing material. Cutting corners on roofing projects is no fun on the part of the homeowner. So let’s dive right in and take a look at what makes a good roofing contractor.

The first thing you need to know is if the company is licensed for roofing and has a certificate to show for it. Having a license will let customers know that the roofer has passed all the stringent exams that test knowledge and experience on roofing and likely indicates that they do satisfactory roofing jobs that is compliant with state and federal building laws.

You will also need to make sure that the company you are looking to hire has worker’s compensation and liability insurance. It sucks to pay for a work-related injury when you didn’t have to if the contractor only had insurance, especially in a state like Massachusetts where roofers are not required to have insurance to start operations. Make sure that the company will be paying for hospital fees and any lost wages for the worker should an accident happen.

Ask yourself this. Will you trust a company without a physical address? I wouldn’t either. So make sure that the contractor’s site has an address listed. Go to that address so you can be certain that the company is indeed in that location. This is also for you to see if the company has a uniform, which not only adds appeal to the company but also assures you, as a homeowner at risk of home invasion, that the people coming to your home will be uniformed.

You should also ask for testimonials and references from their previous clients. One or two will not cut it. At least three positive testimonials will tell you that this company will do a great job of replacing your roof and will stand by its work. You can also ask questions from previous clients about their workers’ punctuality and behavior on the job.

A company requesting a big portion of the total project cost upfront can be a big red flag for the homeowner. Even if they claim that this is for materials to start work, this is still a big no-no. A business should be able to cover its expenses right off the bat and not wait for the homeowner to provide the funds necessary to start the job. This is why you need a seasoned contractor to do a job you won’t trust anybody else.

Watertite Company Inc. has been in the business for years. Family-owned since 1974, we only hire experienced and knowledgeable people to give the highest quality of service to our clients. Let us know how we can help you with your Needham roofing project by going to Watertiteco.com and scheduling your consultation now.

Credit: A Glossary of Terms

A person’s credit score is a number used by creditors to gauge the “creditworthiness” of that person. Information from credit reports is subjected to an algorithm that then generates a number from between 300 and 850. These credit reports are, in turn, from credit reporting bureaus, of which three are considered the most influential: Experian, Equifax, and TransUnion. Creditworthiness is determined by the number generated by the algorithm. The higher the number, the more creditworthy that person is. A credit score is broken down as follows:

300-599 – Poor

600-649 – Fair

650-749 – Good

750-850 – Excellent

A credit score is given as a FICO Score, calculated through the Fair Isaac Corporation model, and the Vantage Score, generated by the three reporting agencies. You can have multiple FICO Scores depending on the type of credit you are applying for. Different versions of FICO scores exist for mortgages, auto loans, and credit cards.

You can have a free copy of your credit report from Equifax, Experian, and TransUnion once every year. If you need more or you need an updated one, you can purchase a copy at any time. When you need a Vantage Score from one of these agencies, however, you will have to buy it. There are no free copies for your credit score.

Credit repair is the term used to designate the actions taken to increase a person’s credit score. These processes include pulling credit reports from the three credit bureaus and disputing incorrect information on those reports that may lead to lower credit scores when calculated by banks and other financial institutions.

You will need to see all three credit reports, essentially records of your credit history, from each separate reporting agency. This is because not all financial institutions provide information to these three. Some provide one or two. Some don’t provide any information at all. Your credit reports may list all the same things but because of the discrepancy in reporting, the report from Experian may list very different items from the report generated by TransUnion. These items include bankruptcies, lawsuits, judgments, foreclosures and tax liens. The only way to fix your credit score is to determine what is wrong with your credit reports and file the corresponding disputes and actions.

Credit report disputes are actions taken by yourself or your representative (typically a credit repair company) to correct all inaccurate information listed on your reports. These include incorrect dates of opening and closing accounts, incorrect or unauthorized accounts, and unauthorized hard inquiries. It is critical that you pay close attention to the details since they could be signs that your identity is being stolen.

Getting a secured credit card is a great way to start repairing your credit rating provided they report to credit bureaus. Secured credit cards require a cash deposit and the deposit could be equal to the credit limit essentially making sure that your account balance is positive or zero.

Need to start your credit restoration process? Contact our highly-trained analysts at Blue Water Credit, the top San Francisco credit repair company. Check us out at Blue Water Credit and learn more about how we can help you by scheduling your consultation now.

Website Design

Website designing might sound interesting and complex to do at the same time, as many of us think as if it is kind of rocket science to do so but the truth is, it’s not that hard in fact, you can do it on your own without even the need of hiring a professional.

Of course, to do so, there are a few things you need to understand while designing your website and don’t worry, we will tell you what those things are but for that, you have to first understand what website design means.

Website Designing

Website designing is a method of production, construction, and maintenance of a website. It is a web development method in which we create layouts, page structure, website compatibility regarding its usage on different gadgets, and its user-friendly interface. Designing a website includes;

  • Search engine optimization
  • User-friendly experience
  • Authorization
  • Graphic Designing
  • Interface Designing

People who develop websites are expected to have enough knowledge of the usability of a website. An experienced web developer knows how to do so. They can develop a website using various coding or programing methods that most users are not aware of, however, that is not always the case as there are millions of website templates available online on platforms such as word press, form where even a normal individual who does not have enough knowledge of programming can make a website.

How to develop your own Website?

Of course, not everyone is a programmer. There are ordinary people like us who do not know to program and also do not want to waste money on hiring an official website developer. There is still nothing to worry about as there are a lot of techniques to help us develop a website of our own.

  • Define the purpose of your website

Before designing our website, it is very important to know its purpose as to what reason are we developing it. If you do not know the purpose, you won’t be able to build it properly.

  • Research the latest design trends

After you know the purpose behind building your website, it is time for you to look for the best possible designs for your website like for example; an eCommerce store and a blog, both have different designs so keep them in mind.

  • Find platforms offering website templates

Platforms such as word press can be quite helpful for designing a website. Keep that in mind that there are two forms of word press. One is the paid version and the other is free. If you looking for already built up designs then go for the paid version where they will design it for you. If you are looking for some creativity then you can go for the free form of word press where you will find dozens of free templates there to satisfy your needs.

  • Go for website builders

Platforms such as wix.com, square space, Weebly, etc. are offering online website building facilities for those who do not have much programming information so don’t worry, things have gotten quite easier now.

4 Simple Answers on How To Increase Credit Score Fast: A Guide To a Better Credit Standing

People with low credit scores ask the question “How to increase credit score fast? Before we answer that question, let us understand what credit repair is. It is an act of clearing your bad credit score. We need to keep a good credit score for various reasons. These include applications of car loans, home loans, and other credit purchases. Otherwise, you will have a hard time getting by our day to day life. Here are some useful tips for you to fix your credit score fast

Take a Look at Your Credit Report and Clean it up

The first thing that you need to do is to find out why you have a bad credit score. By law, you are entitled to receive one credit report per year. Go to AnnualCreditReport.com and request for your credit report. There are three major credit reporting companies you can ask your credit report. These are Equifax, TransUnion, and Experian. You do not need to worry about having to pay as you can get your credit report from each of these companies for free every year.

Now you have your credit report. Take a look at it and find out why your credit score is low. Look for accounts that claim you have late payments. If you are certain that the claims are false, then you should start disputing them. The report shows where to send your dispute.

Also, keeping a good credit score is important not only for future credit purchases or loan applications but also when looking for a job. Some employers take a look at your credit history before deciding on hiring you.

Pay Your Balance

One of the aspects that affect your credit is based on how much you owe. Though it is not always about how much you owe, it is how much you owe vs. your credit limit. There is this thing called “credit utilization” – This is the ratio between your credit limit and how much you owe. For example, you have a credit limit of $20,000 and you owe $10,000, then your credit utilization is 50 percent. If you have maxed out your credit limit, then your credit utilization is 100 percent. Remember that the lower credit utilization you have, the better your credit score will be.

Increase Your Credit Limit

Since we are looking for ways on how to increase credit score fast, this method is fast. Increasing your credit limit will affect your credit utilization in a good way. As mentioned above, the lower your credit utilization is, the better your credit score will be. However, increasing your credit limit does not mean you should spend more than you did with your last credit limit. It defeats the purpose of why you increased your credit limit in the first place.

Get Professional Help

Credit repair companies are not only there to help you clean your credit record. They are also consultants who can help you better understand how credit works. They can help you evaluate your credit report and formulate strategies on how to increase credit score fast. Blue Water Credit is a company that can help you with your credit score. With great knowledge about credit, you can count on them to fix and maintain your credit score. Visit https://bluewatercredit.com/ to learn more.

Five Important Tips You Should Know For Your Web Design

How we design our website affects numerous factors in our business. Our website is one of the best drivers for our customers to buy. It plays a vital role in today’s search engine optimization world. Your ranking in SEO and your chances of converting leads rely on the effectiveness of your website. 

When a user visits your website, will they know what your company has to offer? What is the value of your business, can they navigate through your website smoothly? For us to answer these questions, here are the tips that we should follow when aiming to have an effective website.

Planning

You do not just randomly design your website. You must first have a plan. This plan should coincide with the nature of your business and who your target audience is. To make sure your website’s effectiveness, you must understand the journey that your customers take. The journey from the moment they land on your website until they become your customers.

What specific offers are they looking for? Which of your pages do they view the most? Knowing the answers to these questions will help you design your website.

Mobile-Friendly Website

People nowadays prefer seeking services through their mobile devices. Mobile-friendly websites are websites that can be easily navigated and run smoothly via handheld devices. Having a mobile-friendly website is a valuable advantage in the SEO game.

The factors that you need to look at when making sure your website is mobile-friendly are the following; Structure, Page speed, site design. Make sure your visitors do not have a hard time navigating your website on their mobile devices. If you want to know the mobile-friendliness of your site, you may have it checked by going to google.com and search for the “Google Mobile Test”

SEO

If you want more conversions for your business, you have to make sure you are easily found online. Search Engine Optimization is all about aiming to rank up your website when it comes to user search results. When you are at the top, people will likely choose your website over the ones shown below. 

Your website is one of the factors of ranking your website in the SEO game. If the design of your website isn’t effective, then your website will likely rank down. 

It’s OK to Have White Space

White spaces are those parts in your web pages that do not have any content (Blank). Some designers concern themselves of these blank spaces. Little do they know that these white spaces help with the users’ readability and ideas separation. Your customers are busy and they don’t like to read contents that are too long. Be sure to keep your content short and simple.

Do Testing

When you experiment, you will find the answers to the following questions – Where do the customers click the most? Do they scroll up to the end of the page? Knowing the answers to these questions lets you know which parts of your web design should be improved. 

If you think you need help with your web design, remember that there are experts out there who are one call away. Do not hesitate to ask for help. If you do not have the time, resources and the knowledge to design your website on your own, hiring a web design company may be the right path for you.