Commercial Roof Perhaps most important

Commercial Roof Perhaps most important component of this new building must be the roof. While providing defense against weather and also elements, the roofCommercial Roof Perhaps most important   of your building also provides significant structural support. With regard to commercial, there are many options available. Just like housing, the best roof for commercial property is determined by geographical and climatic factors in addition to cost. Let’s take a moment to discuss the 4 main types of commercial systems: thermoplastic monomers, ethylene propylene diene (EPDM) or rubber, photovoltaic panels, and green roofs.
Thermoplastic system

Commercial Roof Perhaps most important

Thermoplastics systems are some of the most distinctive and generally becoming more and more popular for commercial purposes. These include highly durable materials with temperature versatility and low temperature tolerances. They offer excellent protection against ultraviolet light, ozone, and chemical exposure. Most of the time, thermoplastic systems have a lifespan of 20 or even more years and therefore are great commercial choices because they are also resistant to fire, puncture, chemicals, and wind.

EPDM System

Offering exceptional durability and flexibility, rubber roofs are usually regarded as one of the longest lasting commercial systems. They are usually easier to install, maintain, and repair than other types because they include single-ply membranes with only one layer of roofing material. The thickness of the EPDM roof system is different from 30 to 100 mm; they may be relatively inexpensive and provide excellent flexibility and robustness.

Photovoltaic system

Photovoltaic panels are increasingly popular in reaction to rising energy costs and the need to choose more environmentally friendly building materials. Also known as a solar power system, this commercial rooftop displays solar PV power panels mounted on top of your roofing material. They can also be used with glass, membranes and roof tiles, plus they absorb the sunlight and convert it into the energy used to offer electricity to multiple buildings. Still relatively rare on commercial rooftops, this roof is the right choice if you want to save energy and control energy costs.

Green Roof

For some of the same reasons that photovoltaic roofing systems are gaining in popularity, some commercial properties feature green roofs in an effort to address environmental concerns while providing exceptional insulation. Green roofs are generally most suited to commercial roof-roofed properties and may be partially or completely covered in soil and embedded vegetation covering waterproof membranes. The green roof absorbs heat and also has a significant effect on energy loss thereby increasing the cost of cooling and heating.

As you can tell, commercial roofing is really a very special practice where there is no similar choice for businesses. If you are considering the type of roof to be installed inside your commercial building, consult with some professional roofing company that can give you more specific details about how different roofs can benefit your company.

FourM’s solution is the Houston, TX Contractor quickly making its way through the ranks of a leading contractor serving the local population and community at Houston Metroplex. Our experienced crew work hard to serve your property with quality windows, roofs, walls and renovations. For more information about houston housing roofing and roof leak repair houston, please visit our website.

Nature on Display: Tips for Shooting the Galapagos Wildlife

Nature on Display: Tips for Shooting the Galapagos Wildlife

For wildlife lovers, a vacation in the Galapagos is often an old dream and a real “bucket list” experience. This remote island off the coast of Ecuador is home to some of the most unique wildlife on Earth, and offers the opportunity for some very close encounters. For those who want to take advantage of most opportunities to take animal photos, some specific tips from experts can help.
Tips for Photography at Holiday Galapagos Nature on Display: Tips for Shooting the Galapagos Wildlife

There are many generic tips for photographing wildlife (including the most basic, ie patient), but there are also some specific ones to capture great images of these remote island animals.

Be prepared

This suggestion has a double meaning: You need to be prepared in terms of equipment, but also at a situational level. Taking the right camera and accessories is essential, and SLRs with interchangeable lenses will produce far superior results to the iPhone, however up-to-date the model. The wildlife in the archipelago is unbelievably fearless, so there is no need for long focal length and long fixed lenses, but if you are serious, short and medium lens combinations are recommended. As a guide, consider (at least) the 18mm-70mm lens and the 100mm-400mm. Nature on Display: Tips for Shooting the Galapagos Wildlife

Another aspect of preparation is getting ready to get “money fired” without too much notice. Wild wildlife, however, and animals will not wait for you to focus, change openings and frame the scene perfectly – even though the Giant Tortoise Galapagos may be an exception. Read it every time and frankly, keeping your eyes peeled so you can take advantage of the situation as it appears.

Lighting

Due to the geographical position of the archipelago at the equator, the sun rises and sets rapidly, spends much of its time just above the head. This results in harsh and top-lit conditions that are often less conducive to capturing wildlife images. What you should aim for is low-side lighting, which creates greater interest in texture and shaded contours. Without the benefits of an artificial studio lighting, the only real solution is to get up early before the sun reaches overhead, or later at night when it goes down. An added bonus of this is that you can get some spectacular and dramatic pictures by using sunrise or sunset to give the backlight on your subject. Nature on Display: Tips for Shooting the Galapagos Wildlife

Expose

Even if you set your SLR for automatic exposure, lighting and conditions in the archipelago are often beyond the reach of the most advanced camera metering system. For example, bright white plumage in Nazca Booby perched on black volcanic rocks will cause the camera to glow for darker areas, and then highlight it more deeply. A good tip is to use the +/- function on your camera, which will override the meter and fix one or two stops to expose the bird and not the rocks.

Think laterally

In addition to the technical aspects, the most important advice of the knowing experts is to think out of the box and actually take advantage of the incredible opportunities that you will encounter on Galapagos holidays. Do not just follow the crowd and photograph the animals from a static point of view – go down to the sand with Sally Lightfoot Crabs, ride high on rocks with the Marine Iguana, and cross into shallow rivers with weird Sea Lions (obviously keeping your camera protected). Being creative with angles is one of the surest ways to open up to this once-in-a-lifetime image.

Turned Good to Great

Meanwhile, for some people, the Galapagos holiday is quite a gift in itself, for others, catching amazing photographs is a very important aspect. Wildlife photography can, in essence, be a very challenging quest. And while being in the right place at the right time can reap amazing rewards, following a few tips to take advantage of those “timely, right place” moments can make the difference between good and good photos. Nature on Display: Tips for Shooting the Galapagos Wildlife

An Island Guide to the Galapagos

 

An Island Guide to the Galapagos

The Galapagos Islands have long been a magnet to travellers interested in the ecology and geology of our natural world. This remote volcanic archipelago in the Pacific Ocean lies around 1,000km off the coast of Ecuador and supports some of the most diverse habitats on the planet. There are 13 main islands and numerous smaller ones, each with its own distinct characteristics. For anyone planning a trip to the Galapagos, holidays to explore this most unique part of the world can be enhanced by understanding some of the features and fast facts about them.
Bartholomew

 

While it is certainly not the largest, Bartholomew may be the most recognisable island. Its scenery is dominated by Pinnacle Rock, one of the most iconic landmarks of the archipelago. The tall, pointed rock just off the shore features in countless images of the region, providing a spectacular backdrop for the 360° views its high point. Bartholomew is also renowned as one of the best sites to encounter the magnificent marine wildlife, including Galapagos Penguins, sea lions, sharks and rays.

Espanola

Also known as Hood Island, Espanola is relatively flat, with the highest of its small hills measuring around 675ft. It is home to an abundance of wildlife including large numbers of sea lions and more than 12,000 pairs of Waved Albatross – almost the entire global population of the avian species. The breeding site at Gardner Bay, on its eastern shores, is also an exceptional place to explore the underwater life and encounter Marine Iguanas sunning themselves on the rocky beaches.

Isabela

The largest of all the islands, Isabela is in fact five small volcanoes joined together – all of which are still active. As such, the landscape is quite dramatic and varied, from the dense vegetation of the southern highlands to stark lava fields and mangrove swamps at lower altitudes. For visitors on Galapagos holidays, Isabela has multiple sites of interest including the vast wetlands, which support a huge variety of endemic and breeding birdlife.

Santa Cruz

Santa Cruz has six different vegetation zones, and the astounding diversity of its habitat is matched by the diversity and abundance of its wildlife species. Along with the opportunity to explore the many wild reptilian species of the highlands, it an integral part of the itinerary of most Galapagos holidays as it is the location of the Charles Darwin Research Station. The facility is an important breeding, education and research facility dedicated to the conservation of the Giant Tortoise, one of the most iconic species of the archipelago.

Fernandina

Fernandina is the youngest of all the islands, with its last volcanic activity recorded in 2009 from its centrepiece, La Cumbre. Renowned for its magnificent scenery, it is considered one of the world’s most untouched ecosystems, with no foreign species ever believed to have arrived on its shores. It is home to the nesting site of the unique flightless cormorants, along with the Blue Footed Booby and the elusive Galapagos Hawk.

A Unique Environment

The best Galapagos holidays are those with an itinerary that takes in both the large and smaller islands of the archipelago, in order to get a complete overview of not just its beauty but also its astonishing diversity. As one of the most fascinating places on Earth, scientists and biologists are still discovering new facts every year about this unique part of the world.

Ceramics and Châteaus: Discover Genteel Gien

Ceramics and Châteaus: Discover Genteel Gien

There’s little doubt that an essential element of all barge holidays in France is being able to dock at the myriad towns and villages that line the waterways and entice visitors in with their charms. As part of the itinerary of the hotel barge Renaissance, guests will be able to see the sights of Gien, renowned for its pottery and royal château.
Finding your Bearings

 

Prior to diving into the town, it is well worth disembarking on the south bank to take in the attractions of Gien all at once: from this vantage point, you can savour the spectacle of the river as it passes below the eighteenth-century bridge, under the watchful gaze of the sixteenth-century château.

Not even the loss of much of Gien’s historic buildings during World War II can detract from the pleasant view. Indeed, the painstaking and very convincing post-war reconstruction has done much to bury these ghosts of the past.

Marvel at Gien’s Pottery

Cultural exploration is an integral part of our barge holidays. In France, there are always abundant opportunities for the discerning traveller to discover regional produce, and Gien is no exception. The town has crafted a fine reputation for the calibre of its pottery, in particular for its Faïence pottery. Production began when Thomas Hall, an Englishman from Stoke-on-Trent who was intent on bringing high-quality English earthenware to France, established a factory in 1821.

In deciding to base his enterprise in Gien, Hall chose wisely, capitalising on the town’s physical amenities. The Sologne forest, which is in close proximity to Gien, provided a ready source of wood for the kilns. What’s more, the Loire granted access to markets throughout France (until water travel was superseded by the railways), in addition to providing sand and water for making clay.

While production continues to this day, the factory has also taken on a new guise as a museum dedicated to telling the story of the industry and shedding light on the making of these exquisite ceramics.

A Château Fit for Kings and Queens

There’s one more attraction that certainly merits a visit before you return to the hotel barge. Holidays in France are rarely complete without sojourning for a while at a château, and Gien’s has certainly welcomed its fair share of royal visitors. This elegant edifice was constructed for the use of Anne de Beaujeu, the daughter of Louis XI, in the final years of the fifteenth century. Future guests included Henri II and his wife Catherine de Médici, as well as Louis XIV, the famous ‘Sun King’.

Despite being bombed during World War II, the château was successfully restored. Since 1952, it’s housed a museum, which is dedicated to the most royal of pastimes: hunting. Through paintings, sculptures and an array of weapons and trophies from successful forays, the museum details how hunting and its depiction has developed through the centuries.

Paul Newman is the Marketing and E-Systems Executive for European Waterways, the UK’s most respected provider of all-inclusive, luxury barge holidays in France. Part of a team of experienced barging aficionados, Paul is first in line to endorse the perks of a slow-paced barge cruise to anyone looking for a unique holiday experience.

The Benefits of a New Home Cat House

The Benefits of a New Home Cat House

When it comes to your home to look and function properly, painting an exterior home in Canton, GA, can offer more benefits than you think. Not only a new coat of paint that can provide new living space and new aesthetics, but the right exterior paint can actually extend the life of your home. A professional painting contractor can help you choose the right type of paint for your needs while offering you the power and equipment you need to get it done quickly and well.
Form

The Benefits of a New Home Cat House

Exterior house paintings in Canton, GA, can revive older homes and add more tourist attraction. It can brighten the entire outer part of the house and give it the shape you want it to function. When you try to sell a property, the right sidewalk appeal can make a huge difference in the price you get. In addition to splashing the landscape and picking up any garbage, you will want to get a new coat of paint so that the prospective buyer does not have to look at the exterior that is peeling or fading.

Curb appeal is important to be more than just trying to sell your home. Some municipalities will have codes that require your home’s exterior care and a fresh coat of paint can help keep the code enforcement at bay. Your neighbors tend to be more positive when your house looks good than when the paint is faded or peeling. Most importantly, however, your home form should reflect your personality and aesthetics and a new coat of paint can do it.

Function

New exterior paint jobs can help improve the functioning of your home as well. Paint can help protect your home from elements, keep your wear lower and more. The outside of your house goes through a lot. Not only seeing the damage from the wind-blown debris and from the torrential rain, he can also see the coloration of the hard water in the spark system and much more.

Painting an exterior home in Canton, GA, can give you the benefit both for the shape and function of your home. The maintenance of walls for the outside of your home, such as walls and paint, can create a barrier between the elements and the structure of your home to keep the minimum damage to the age of the house. New paint layers can also increase your curb appeal and let your home more reflect your personal aesthetics. The Benefits of a New Home Cat House

Keeping your Winter Holiday Green

Keeping your Winter Holiday Green

We live in a time where people are becoming increasingly eco-conscious, and both cor-porations and individuals are doing more than ever to reduce their carbon footprint. This is fantastic news and very important in a bid to protect our planet and reduce the impact of global warming, but there is still a lot of work to be done. The good news is that even small changes can have a huge impact.
As a rapidly growing industry that’s set in natural surroundings, the skiing community must look for ways to keep winter holidays green without compromising on the quality of stays in catered ski chalets and shredding powder on the mountain. If you have a ski trip coming up and want to do your bit, here are a few simple ways to have an eco-friendly holiday.

 

Public Transportation

One great way to protect the environment is to opt for public transportation instead of taking your own car. The local public transport system is usually free with a lift pass, and offers a good chance to make a few new friends along the way. Using the local train network is also a good option if you want to venture outside of the resort and explore.

Recycling in Your Chalet

There has been a huge push to encourage recycling in ski resorts in recent years. Simply separate your rubbish from what can be recycled and take it down to the recycling point. This only takes a few minutes, but has a very positive impact on the environment.

Gear from Eco-Friendly Companies

There are a growing number of eco-friendly ski and snowboard companies that provide gear that does not harm the environment. This includes using eco-friendly waxes on snowboards and skis that are made from sustainable, reclaimed or recycled materials. For a great and guilt-free experience in the snow, why not consider renting or buying this equipment from a company that is doing its part to save our planet?

Chalet Hire from Reputable Companies

One of the easiest ways to go green is to book your catered ski chalet from a reputable company that has actively taken steps to combat damaging the environment. Take your time to research the company, and keep your eyes peeled for those that adhere to an AITO recognised environmental policy.

Getting There

Transport is always a concern when it comes to green holidays. Flying can produce three times more CO2 emissions per passenger than other forms of public transportation, so avoid this if possible. Good alternatives include driving (car shares are even better) and going by train (there are many stations throughout the Alps).

Offset Carbon

If you do decide to fly, you can still do your bit by offsetting your carbon (certain airlines provide this option at the time of booking). A few options include getting a shared transfer or bus from the airport/train station and using a transfer company that offsets their carbon.

Adhering to Resort Environmental Issues

If you choose a resort that has environmentally friendly practices in place, be sure to ad-here to these during your stay. The staff members know how to best protect the site, and they can make it easy for you to do your bit whilst still enjoying your stay.

Never has it been more important for people to reduce their environmental impact than today. Fortunately, this can be relatively straightforward during a stay in a catered ski chalet, and will allow us all to continue skiing without damaging the beautiful surround-ings.

Optimal Auto Insurance with Fred Loya Insurance Quotes

Optimal Auto Insurance with Fred Loya Insurance Quotes

There are many risks involved in owning and driving a car in today’s world that we live. This is not too far from the fact that there is no perfect security guarantee without an insurance policy on the car, and not just insurance coverage, but also a low-cost service, and keep your comfort on the top priority list. . Loya Insurance Group covers various events that may be thrown, or the way your family. It is very important to prepare and to precede anything that may come. With our insurance policy, you can always travel safely, so why not protect yourself, your family and your assets by getting Fred Loya’s Insurance Quotes today?
Fred Loya Insurance quotes are very affordable, insuring your car at reasonable prices. Also, there are various possibilities available to you; we take on wide-ranging responsibilities ranging from general liability to full policy coverage; We are a leader in saving you money, because it is very important for us to take care of you and your family.

Optimal Auto Insurance with Fred Loya Insurance Quotes

Loyal Insurance Policy

At Fred Loya Insurance, we have a significant and very interesting policy that includes:

1. We make payments for damages, concerning bodily injury or destroyed property; as long as you may be responsible for a car accident. 2. We also make reasonable fees for medical services and funerals required due to bodily injury. 3. We make payments for damages that you allow to be allowed to collect from uninsured vehicle owners or users as a result of any injuries you suffer, or property damage caused by an accident. 4. We make payments for direct losses, and / or unintentional losses to insured cars, and equipment, reducing the corresponding cost of deductible expressed in affirmation. 5. We make payments for losses caused by collisions as far as the Declaration indicates that Collision Coverage is provided. 6. Our policies apply regardless of bankruptcy or bankruptcy on your part.
At Fred Loya Insurance, you can count on our quality assurance because our trusted professionals work endlessly to provide answers to your questions or help with your claim. We have been proven to be at your disposal for years whenever you need our support at all times throughout the day. We are committed to doing everything we can to ensure that you are fully present in a very friendly manner; So far it is very important for the safety of you and your family. We’ve compiled this policy to make sure you can count on us, and you can be assured of security.

Savings at Fred Loya Insurance Optimal Auto Insurance with Fred Loya Insurance Quotes

In addition to being committed to keeping you, your family and your assets safe, we are also very concerned about your well-being; Therefore, we have created a task point to ensure that we save your money as long as we bear you and your family.

Since 1974, we have committed to getting affordable car insurance, providing services to the public, and ensuring driver safety while on the go. We have over 526 agencies in California, Nevada, Texas, Indiana, New Mexico, Alabama, Colorado, Illinois, Georgia, Arizona and Missouri; we do our best to make purchases of general car insurance more friendly. Our professional agents, in addition to saving money, also ensure that your car insurance policy best fits your way of life, and that also includes your budget. This is what makes us unique, and keeps us in this position where we remain affordable, local, yet provide quality service. When your well-being is our concern, we have grown from being just an insurance company, but we have also grown to become an integral part of your family.

As a result, you can rest confidently because you are subject to the Car Insurance Act in the State, and more importantly the fact that you are completely free of all major roads is likely to emerge. Fred Loya Liability Auto Insurance at Low Cost

We really realize the magnitude of keeping your car and your family as a whole in safety, and we’re always ready to do this at a very low cost. Therefore we have made it a routine task to maintain our leadership in cheap car insurance. We do well to provide some of the best plans

Cruising the Waterways: Spontaneous Moments and Cultural Experiences

Cruising the Waterways: Spontaneous Moments and Cultural Experiences

For the uninitiated, the idea of a barge holiday may seem like an odd way to see a country. However, ask anyone who has travelled the waterways of Europe and they will explain with gusto the beauty of cruising through foreign landscapes, tasting gourmet food and wine and learning about local culture and customs.
A barge holiday offers an intimate and immersive way to explore a new place. Not only will you get a novel perspective of the landscape from your position on the water, you will gain inimitable insights from experiences catered to your own tastes and interests.

 

Spontaneous Moments

Though a barge holiday with European Waterways is always meticulously planned, the gentle rhythm of travel allows plenty of time to become acquainted with some of the more unusual aspects of a country or region. Of course, we enjoy showing guests iconic architecture and famous landmarks, we know that they equally appreciate unplanned, authentic moments where they can truly connect to people and places.

This is what we call an ‘insider experience’: an experience possibly unique to the small group of people travelling on your hotel barge creating a memory you will cherish forever.

We love spontaneous moments in which our guests can form relationships with people they meet along the journey. For example, one memorable afternoon our guests were treated to a private tour of a Burgundian lock-keeper’s immaculate garden and cottage before being asked to share a glass of Pastis. They bravely joined him in a game of boules and though our guests played valiantly they were thoroughly beaten by the locals! In the past, our holiday-makers have received a tour of the beautifully tended grounds of a Scottish castle and given a knowledgeable talk by the head gardener.

As many of our guests are wine connoisseurs, we often seek out interesting wine-related adventures. One fortunate group were shown round a beautiful Renaissance castle by the owner himself. The count then took his fascinated visitors down into his excellent wine cellar – we were all very envious! There is also a certain wooden boat on the River Loire well-known to our guests. The hospitable owner is very happy to share a carafe of crisp white wine with his passengers.

Cultural Experiences

We try and lead our guests away from the typical tourist haunts and introduce them to locals whenever possible. From master clockmakers in Holland to builders in a Thames-side boatyard, these craftsmen always have stories to tell and are a fantastic way to tap into the rich history of the waterways. We encourage an appreciation of traditional values and skills – whether the job is the manoeuvring of delicate cogwheels or the creation of an entire vessel, you’ll be impressed! Meeting and learning from locals is one of the best ways to gain a comprehensive cultural knowledge of a region that a guide book just couldn’t deliver.

If you crave a real understanding of the places you visit then maybe a barge holiday is just what you’re looking for.

Paul Newman is the Marketing and E-Systems Executive for European Waterways, the UK’s most respected provider of all-inclusive, luxury barge holiday itineraries. Part of a team of experienced barging aficionados, Paul is first in line to endorse the perks of a slow-paced barge cruise to anyone looking for a unique holiday experience.

Do not overleap electrical inspections energy audits

Do not overleap electrical inspections energy audits

Ignoring your electrical installations may represent your safety hazard as their setbacks are unavoidable from time to time and their impacts may be disastrous. If the electrical or wiring connection in your home is not secured properly, you may experience a short circuit that could damage your equipment or even worse, causing a fire to destroy your property altogether. Usually, situations like this can surprise you because it is caused by unfavorable weather conditions such as rain. Shocks are also a concern and often occur. Of course, everyone can relate to a situation like this: You touch an electronic device and suddenly you feel the impact of an electric current flowing through your body. The resulting sensation can certainly be classified as a surprise. A thorough examination aims to find and avoid the possibility of danger with serious consequences.
You have two main options in terms of electrical inspection: you can take the risk and start a personal examination or you can seek the help of trained and trained specialists. The first scenario can end with a positive note which means that you will have the opportunity to observe certain irregularities and take immediate action. For security precautions, you should not touch the exposed parts of the electrical system and call a professional. It seems that the second option is still fundamental, which is not really a bad thing. Consult someone who has the right knowledge and be able to handle the dangers that may only improve the condition of your home.

Do not overleap electrical inspections energy audits

Energy audits for homes are as important as their goal is to help you save energy and, of course, money. In this case you can apply the same procedure as above. Start carefully checking the various areas and equipment, lighting, ventilation, isolation to find out which ones are causing major energy losses. Record the problems found so that you can tell the experts about the situation and together build the necessary changes. Clearly, the whole process demanded by energy audits is more complicated and requires many procedures that will help you receive answers about energy loss in your home, how to cope with these situations and costs. You should also have an existing energy bill as they represent a clue that will help your auditor find out where to check to find the reason for causing energy loss.

Whether you want to get an assessment of your electrical system and to improve the efficiency of your energy system or you need an energy audit, you should conduct a thorough inspection conducted by a professional inspector authorized by the government. Finding the right energy auditor may require some research on different companies and organizations that provide this type of service, their certification and referrals. Contact various clients and ask their opinion to see if there is a possible complaint. Once you find an experienced energy auditor, you must accompany him throughout the process and communicate all the problems found in your home. His professional equipment will soon detect the source of energy loss. Do not overleap electrical inspections energy audits

A Time Line To Create Wealth

A Time Line To Create Wealth

PALOS VERDES, CA- Our investment philosophy is based on an individual’s chronological time line, which consists of three periods: (1) asset accumulation, (2) wealth building, and (3) asset conservation and how they are used to create wealth
The Playing Field is not level

 

The financial journey through life’s time line starts at different levels, depending on whether you were born with a plastic or a silver spoon in your mouth. As you travel through your time line, your in-vestment options change. Knowing where you are and what options are available will help you make the right choices.

A Winning Financial Plan up to Age 35 A Time Line To Create Wealth

The first chronological period of your life—mid-twenties to mid-thirties—should be devoted to accumulating assets and acquiring basic necessities. When you’re just starting out, your assets are usually limited and the major portion of your income goes for the basic needs—food, clothing, and shelter.

This is the time to save, save, save! Amass as many investment dollars as possible. Your approach to investing during this period should be through tax-deferred plans at work or Individual Retirement Accounts (IRAs). Your degree of risk should be moderate. Investments included in this category are high quality corporate bonds, blue chip stocks, and growth-oriented no-load mutual funds.

Every effort should be made to purchase a home now. The advantages, from tax savings and equity buildup, historically outweigh the short-term benefits of lower monthly rent payments.

Be careful when sheltering yourself and your family from liability. Only pay for protection when you’re purchasing life insurance. Purchase whole life insurance if it will yield a higher rate of return than other investments. After reading the chapter on asset protection, you might seriously consider reducing your liability coverage.

Remember, your main financial goal during this time is tax-deferred accumulation of capital. Don’t take risks with your investments. Save as much as you can so that when you enter the next phase of the time line you’ll be ready to move forward. A Time Line To Create Wealth

Investing between the Ages of 35 and 50

After earnings have increased, assets have been accumulated, and necessities are under control, it’s time to move on. Ready or not, you must face the challenges during this aggressive investment period of your life, when you are between your mid-thirties and early fifties.

The Best Financial Plan for You

Your best financial plan is to create the maximum wealth during this aggressive investment period of your life. Build financial security yourself. Don’t rely on others to do it for you. Many people who relied on major banks and insurance companies for financial security ended up short when these institutions failed. The social security system will not do much better.

You should be careful not to over diversify your assets or adopt a “hold-back” attitude. You must concentrate your assets into one or two aggressive investments rather than spreading them out. Diversification often leads to ineffectiveness.

What if you fail during this period? What is your down side? If you consider your ability to bounce back because of your age, the political influence of your generation, taxes, and inflation, the real risk is minimized. Make your aggressive investments now. As you get older, your ability to rebound declines. If you do not try at this stage in your in-vestment time line, you probably will never do it, and more importantly, you will never know whether you could have made it.

Control Risks A Time Line To Create Wealth

Becoming wealthy requires taking “controlled” risks. If anyone tells you that they became wealthy without taking any risks, they inherited wealth or they won the lottery. Years ago, I discovered that real estate was the best investment to control risk and to create wealth. The Real Estate Digest reports that seven out of ten millionaires made their money in real estate, and Forbes Magazine states that there is a three times greater chance of becoming wealthy through real estate than with any other type of investment.

Real estate allows you to control your risk because you can actively participate in the decision-making process. Passive investments such as stocks don’t give you this opportunity. Movements in real estate values are less erratic than in the stock market. Most people don’t understand the economic forces influencing the market. Since real estate is less volatile, it’s easier to control and to understand. Real estate is tangible. You can touch it, you’ve been exposed to it all your life, and you can identify with it. As a result of this familiarity, you are better able to understand it.