Charlotte Roofing has been providing the NC area with a full range of residential, commercial and multi-family building roofing services since 1991. We are Fully Licensed, WorkSafe BC Covered, Insured and Warranted. We also provide emergency roof repair, maintenance and FREE estimates for all our services, which include:
Your home is an important investment and we want to help you protect it for the long-term. You can rely on Charlotte Roofing’s years of residential roofing experience and expert product knowledge to provide you sound advice when re roofing your home. We’re also just a phone call away should the unexpected happen and you require an emergency roof repair.
You can feel confident knowing our team of licensed roofers is highly-experienced with all a variety of commercial roofing systems, and knowledgeable in recommending the roofing application best-suited for your building and roof type.
Condominium, Townhouse and Strata Roofing
We provide high quality roofing solutions for strata roofing projects and multi-family housing properties such as apartment building, condominiums, townhouses and complexes in the area. You can rely on our expertise and decades of industry experience in working with flat roofing systems, torch-on roofing, asphalt and laminate shingle roofing, and feel assured we can address all components and complexities of your strata roofing project. Our licensed team of roofers will get the job done on budget and on time.
If you’re like a lot of people, the idea of spending 10 or 15 minutes reading about the importance of life insurance may not seem like the best way to spend your free time. But considering the life-changing role that it could play for young families, well-established older workers, and retirement-age Americans alike, life insurance really is a topic that should capture your imagination and inspire you to action.
First: A Family’s Financial Safety Net
Almost without exception, every young family should have life insurance coverage that will provide enough money to make up for a loss of income and to finance post-death expenses, such as funeral costs. For example, the proceeds from a life insurance policy can allow a surviving spouse, children, or other dependents to:
Continue to maintain the same standard of living
Purchase a home/pay off a mortgage
Repay other debts
Finance tuition costs
Supplement future retirement funding needs
Because there is no universal ground rule that establishes exactly how much coverage each family should have, you’ll need to conduct a life insurance needs analysis to determine your exact requirements. That involves identifying and quantifying all of the financial variables in your household, such as net earnings after taxes, daily and routine living expenses, outstanding debt, future tuition bills, and how much your surviving spouse might need for retirement. Ideally, you should have enough life insurance to cover all of those anticipated costs.
Next: Protecting Net Worth and Lifestyle
While the “young family” stage of life isn’t a permanent reality, the need for ongoing life insurance coverage usually is. Even older, more financially established couples and individuals could also potentially benefit from owning life insurance. Not only can a life insurance policy help protect your existing wealth and lifestyle, it could also enable you to accumulate additional tax-deferred assets.
Imagine, for a moment, that Jim and Carol are 50-year-old “empty nesters” with no young children, no mortgage, good jobs, and some (but not all) of the retirement savings they’ll need. Because they’re “peak earners,” they can afford to travel often to visit their grown children and also make charitable donations each year to support their favorite causes.
Does that mean they don’t need life insurance? Absolutely not. If either Jim or Carol died without coverage, the sudden lack of income may mean that the surviving spouse would be unable to retire on schedule, travel often to see family members, or support the community with charitable contributions.
On the other hand, owning life insurance could provide both Jim and Carol with lasting peace of mind, as well as the ability to accumulate additional tax-deferred savings (depending on the type of life insurance they choose).
Retirement and Insurance: A Good Match
Reaching the retirement (or preretirement) stage of life is another occasion that should probably prompt you to review your life insurance needs. Some people mistakenly think they don’t need life insurance if they’re widowed or without other financial dependents in their post-working years, but that type of thinking could prove to be short-sighted.
Even without the need for a death benefit to provide direct support to a loved one, the assets from a life insurance policy could allow your surviving family members to avoid selling off the assets you accumulated during life (real estate, investments, personal possessions, etc.). This sometimes needs to be done to pay federal estate taxes, which can be as high as 45% of the value of the assets you leave behind. Life insurance can also be used to build wealth for future generations or support charitable endeavors.
To learn more about how life insurance may potentially fit into your overall financial affairs, contact your financial advisor or insurance agent — no matter what you current situation may be so get additional reading.
Locksmith Near Me is known for its excellence, we are also working day and night. Our aim is to serve you even at the oddest hours of the day. There are neither tape recorders to attend your call nor any fake promises. We have trained customer care service representatives who take down your complaints and answer your queries. No one will be disappointed at any cost. All complaints would be forwarded to our technical department and they would come to your assistance shortly. Our skilled men make sure to provide you 100% results.
Professional Locksmith Services is a very important pillar of our company. They are the right men behind our success. They have proved to be giving excellent and satisfactory results from their services. They fully trained and often go for refreshers course. They are able to tackle all sorts of lock and key issues. All the work that they do has fines and they make sure not to damage the property while working. These skilled men are available round the clock. After the work is done they make sure to stay back and see the results. Until and unless the customer does not give a green signal they do not leave the place.
One should always look for things that are within range. Locksmith near me is beneficial, because we would be able to come to your assistance within few minutes. You would not need to look around for random locksmiths. There are many people who take up the profession without any experience, but we are certified so you can trust us. Only a trust worthy person can be asked for help in the oddest hours of the day. We make sure to cater all the areas that need assistance, so no need to worry at all.
“I have been Reading for four years. Before that, I read in fairs and boutiques to supplement my teaching income. I began using Tarot but during one memorable reading, I laid out the cards and 45 minutes later realized I had not looked at them even once. I began to experiment a little with reading “freestyle”, but always kept my cards nearby as a sort of safety net. Now I do not use cards (or any other tools such as runes or notes from previous calls with you) – just my Clairvoyance and Empathic gifts. I fly completely without a net.” Check out my new phone psychic readings blog
My Clairvoyant gifts really came into full bloom when I went through a Dark Night of the Soul, brought on by an extremely intense breakup, a broken foot, a job loss and (though I did not know it at the time) a dying of an old ego self. To help me deal with my pain and intense suffering, I did a ritual that lasted one moon cycle, from full moon to full moon, every night I sat down and tried to visualize the good I wanted to happen. I admit, that I was also desperate to get my relationship back, so I spent a lot of time conversing to my ex in my mind during the visualizations. Unbeknownst to me, this was my first experience of contacting a soul in Soul Space and communicating with it.
It was no more than a few weeks after this ritual ended that I called a Reader to ask about my chances of getting my man back and she told me that I was very Clairvoyant. I did not really know what that meant beyond the fact that it meant you were sort of psychic. She taught me a bit – I took to it like duck on water – and gave my first reading to her (in which I told her she was moving to two double-wide trailers during her renovation – she had just found out about the trailers that day), that she had nine kids and other tidbits. I was on my way.
Since then, it has been a challenging but very rewarding road. I work when I wish, I have seen truth psychically that has surprised me so much, it almost scares me…and I get to help people find their best paths to joy. I am extremely thankful and love doing a super Reading! What a GREAT life!
Oh, and a final note: I am VERY bad with names, but VERY good with Souls. I will forget the name of the person you spoke about within 30 seconds and I frequently call folks by the wrong name on the call, but I can recognize a soul over a year later. So I apologize in advance.
Incredible! First reading, and absolutely, unequivocally, one of the most accurate, homed-in, close to the bone readings I have ever had (and as she picked up, I call psychics way too much). I have some wonderful favorite advisors who have helped me a lot, but this reading really hit home. Jessa also came across as extremely ethical and worked to give clear advice on what she felt was most beneficial for me to know. It was phenomenal – everything that she touched on, she hit right on the head with accuracy, and her advice felt so right to me inwardly. She gave me several things to think about, things I can do to make my life better. I look forward to working with her!
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