RE/MAX 440
John F. O'Hara

John F. O'Hara
731 W Skippack Pike  Blue Bell  PA 19422
Phone:  610-277-4060
Office:  215-643-3200
Cell:  267-481-1786
Fax:  267-354-6973

My Blog

The Anatomy of Asphalt Roofing

July 28, 2015 1:30 am

Did you know the most popular type of roofing material is asphalt? According to the Asphalt Roofing Manufacturers Association (ARMA), there are different kinds of low- and steep-slope asphalt roofing systems available, and a whole-system approach can provide long-term durability, reliability and value to a property.

ARMA recommends that residential properties with steep-slope systems generally include six components:

• An ice and water barrier product
• An underlayment
• A shingle starter product
• Asphalt shingles
• Hip and ridge shingles
• Ventilation, both for intake and exhaust

Asphaltic technology offers a range of low-slope roofing options, including Built-Up Roofing (BUR), Atactic Polypropylene (APP) and Styrene Butadiene Styrene (SBS), as well as many different installation methods.

Source: ARMA

Published with permission from RISMedia.


Tags:

How to Start Planning for Retirement

July 27, 2015 1:30 am

Retirement preparation is essential to the success of your “next chapter.” If you’re unsure of where to begin, independent financial advisory firm The Mather Group advises the following:

1. Develop a realistic monthly budget for retirement.
Track your expenses for up to a year to get an accurate picture of your financial needs. Account for one-time expenses, such as that new furnace or roof you may soon need, and note month-to-month fluctuations in expenses. Plan for higher inflation rates for certain types of spending, such as health care and college expenses.

2. Develop a comprehensive financial plan. Take inventory of your assets – the equity in your home and all investments (401K, stocks, savings, life insurance, etc.). Note all projected retirement income streams, such as pensions and Social Security. Your financial planner will complete your plan and should stress-test it using Monte Carlo simulations to see how it performs under changing market conditions.

3. Maintain an appropriately diversified portfolio. You should be invested in a combination of fixed income, U.S. stocks, and foreign equities, which is the best way to protect your portfolio from a possible correction. Low-cost indexes such as ETFs are a better option than high-cost mutual funds, which typically add one percent in additional management costs.

4. Create a cash flow strategy to minimize taxes.
A Certified Public Accountant (CPA) with specialized knowledge of tax code pertaining to retirement assets can help determine how you should tap your savings to minimize income taxes throughout your retirement.

Source: The Mather Group

Published with permission from RISMedia.


Tags: