Here are the things roofing professionals consider when quoting you a new roof.

One of the largest expenses that homeowners encounter through the course of maintaining their home is replacing a roof. Whether from storm damage or age, replacing a roof is no small task. The average homeowner will spend between $4,793 - $9,371 for a new roof. When consulting a roofing professional to provide a quote for replacing your roof, expect the cost to be based on the square footage of your roof. Rather than provide a detailed, itemized invoice, roofers give you an estimate for supplies and labor based on each square foot of your roof.

Roof Cost Considerations

Factors that can affect your quote include:

• Materials costs (shingle type and quality, flashing, etc.)


• Protective roof products (weather and temperature protection)


• Waste transport and disposal


• Labor.

Refinancing your vehicle for a lower interest rate can save you money in the long run.

If you are looking for ways to reduce expenses each month, consider refinancing your car or truck for a lower monthly payment. While homeowners are likely familiar with refinancing a house for lower mortgage payments, people often overlook that the same can be done with their vehicles for more competitive rates and incentives.

Reasons to Refinance

Reasons why refinancing might be a good option for you include:

• Reduced Rates: If there have been changes in the market since you first purchased your vehicle, or you have had obtained a higher credit rating, then refinancing can offer you an improved interest rate, resulting in lower payments each month.


• Convenience: Rather than have your checking account, mortgage payment, and car payment managed by three different financial institutions, refinance with your preferred bank for greater convenience and ...

When it comes to advertising your business on Facebook, it may seem like a piece of cake while walking in the park. Post a few fun photos, share a couple memes for good fun, maybe even advertise your big event this weekend, all without spending a dime. Besides, think of all the people using Facebook compared with costly advertising alternatives like television, newspaper and radio, right?

While there is no disputing the marketing power of Facebook, it will take more than the occasional “share” to build a following and convert leads into customers. To get the most from your social media marketing, use these five simple tips, and watch as your “likes” turn into sales.

Create Engaging Content: First and foremost, you must have quality content that will catch people’s eye in the midst of the always changing social feed. Rather than share other people’s posts that will only drive ...

It’s never too early to educate your kids about the value of a dollar.

One of the most important life skills you can teach your children is how to responsibly manage money. By beginning their education while they are young, you can instill a healthy understanding of money that will serve them for a lifetime. Sharing the lessons listed below can help your kids avoid mistakes that contributed to major financial challenges in our country, including the mortgage crisis, the $1.1 trillion student loan debt, and $845 billion owed in credit card debt.

1. Sometimes you have wait for something you want.

Perhaps the most valuable lesson you can teach your child early on is that sometimes, you have to wait for things you want. Small children need to learn that you can’t always have everything you want right now. This is especially true when it comes to money. As ...

Written By David Slade dslade@postandcourier.com Apr 30, 2017,  Post and Courier A little help with downpayments and closing costs could make all the difference for lower-income home buyers. For potential homebuyers with lower than average incomes, there's a South Carolina bank offering down payment and closing-cost assistance that could make the difference necessary to make ownership a reality. This may sound familiar, because I've written recently about homebuyer assistance from the S.C. State Housing Finance and Development Authority, but these homeownership programs are offered by Florence-based First Reliance Bank, using funding from the Federal Home Loan Bank of Atlanta. There are a few variations of First Reliance's programs, but each of them offers thousands of dollars in financial help to buyers with incomes that don't exceed 80 percent of the area's median income, depending on family size. So, the income limits vary depending on where the applicant lives, and the ...