Gabrijel Abramovic


Which type of roofing shingles should I choose?

Roofing shingles are excellent for maintaining the integrity of the roof’s structure and make them water-resistant. Moreover, they are ideal for adding curb appeal and value to a home. So, it becomes important to find roofing shingles that affect the roof’s durability. In this post, you get to know more about various types and styles matching your home’s exterior.

  • Asphalt roofing shingles

We all know that asphalt shingles are an affordable and reliable choice. You can easily get varieties of designed and normal designed shingles for your unique roofing designs.

  • Tab roofing shingles

Tab roofing is usually featured with three different tabs of equal size while giving symmetrical look. They are present in rectangular shape that is separated by ‘slots’. Highly trained contractors can help you with this.

  • Architectural roofing shingles

Well, it is a premium kind of asphalt shingle, which is also known as dimensional shingles or laminated ones. It is so because these shingles comprise two layers of shingle pieces that are laminated for providing a dimensional look. Roofs having architectural shingles are quite pleasing and come with a warranty.

  • Impact-resistant roofing shingles

Impact-resistant shingles are considered to be modified and withstand the effect of dust and debris. There are various methods by which shingles can modify the resistance.

  • Cool roofing shingles

These shingles are used for maintaining room temperature by minimizing heat absorption. This is so because; they are covered with solar-reflecting granules.

  • Tile roofing

Tile roofing is usually prepared using concrete and can easily be found in old homes. As compared to asphalt shingles, they are very heavy and need to be reinforcing for holding up the extra weight.

  • Wood shingles

For hundreds of years, wood shingles have become a prime roofing option for most homeowners. These shingles are either made of redwood or cedar or cut into precise shapes.

Get to connect with the roofing contractor

Once in a while, we all plan to change the roof or repair it. For this, you have to contact highly trained contractors. You can contact Guardian Home for the replacement and repair of a roof without wasting your time and money.


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Crush Your Retirement Goals with These 3 Plans

The word retirement is so relieving. After working hard over the years and missing out on important moments with family and friends, retirement is one hope for every working person to spend life and quality time with people that matter the most. Not just that, but this is a golden opportunity to live your life on your own conditions and do what you love to do. Be it travelling, cooking, painting or just having a relaxed life away from the hustle and bustle of busy city life. Every person working for 8 to 10 hours a day dreams and makes a to-do list to do what he/she loves in this golden period of life.

While you plan about hobbies to pursue, places to stay, and things to learn during your retirement period, it is also crucial to think about the income source. During your working years, there is a fixed salary that you earn every month, which takes care of all the expenses. But after retirement, there is no monthly salary. Thus, it is important to create a pension source to keep you and your dependents financially stable.

Here are 3 vital rules of retirement planning that will help you to achieve all your post-retirement goals.

  1. Start saving at the earliest – It is very important to build a corpus for your retirement. The common question is, when should one start building wealth? The answer is the earliest is the best. It is understandable that usually, people in their 30s and 40s are in the best of their health. Thus, the thought of retirement or building wealth for the retirement period might look like a far-fetched thought. But the fact is that starting to build a retirement corpus at an early stage gives a larger span to build more wealth, and this will assure a better quality of post-retirement life.
  2. Invest thoughtfully – Investment is one of the most important parts of retirement planning as only savings can bring just a limited corpus. Be it the professional money manager taking your investment decisions or yourself, it is most advisable to have a balanced portfolio allocation that takes care of the risks as well as returns. Set realistic goals in terms of returns from investments and decide how much risk you are willing to take to achieve those goals.

Once you decide the expected time horizon and expenditure needs, calculate the after-tax real rate of return as that will help you to assess the feasibility of your chosen investment plan. Be it a mutual fund investment or any types of retirement plans, invest thoughtfully as it will affect the quality of your post-retirement life.

  1. Choose the best suitable retirement plan – Financial stability is very necessary for the post-retirement years to spend your golden time of life in peace and happiness. The only way to achieve it is by choosing the right retirement plan. Retirement plans are investment plans that are specially designed to provide you with financial stability in your post-retirement life. Once you buy a retirement plan, you contribute a certain amount towards the plan every year, in return for which you get the steady and fixed monthly income in your post-retirement period to fill the void of your monthly income. There are various types of retirement plans that offer different benefits, choose the best suitable one after proper research and analysis.
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Is It Okay to Monitor Your Teen’s Internet Activities Secretly? 

It is inevitable to keep your teens away from smartphones. Keeping them away from technology wouldn’t benefit them in any way. Rather, it will devoid them of any technological advancements and knowledge. 

To live and survive in this digital world, it is important to hand over smartphones to your teens and let them explore the internet world so they can learn new things every day. While the world of the internet and social media broadens their wisdom and helps them connect with the rest of the world, let’s not forget that it can also expose them to severe online dangers. 

Many parents are of the view that by installing hidden spy apps for Android or iPhone on their teens’ smartphones, they can monitor their activities and protect them from harmful internet dangers. But, do you think it is okay to monitor your teen’s online activities secretly? Is it right to keep an eye on their smartphone activities without them knowing?

Before we can further discuss whether monitoring your teen’s online activities is right or wrong, we need to talk about why parents find it necessary to monitor them in the first place. 

Why Monitor Teen’s Online Activity?

Parents have valid reasons to keep an eye on their teen’s online activities. As the internet and social media platforms are laden with several online dangers, it is important to keep a check on what’s going on in your teen’s life. 

Online dangers such as cyberbullying, pedophilia, sexting, pornography, violence, etc. are quite rampant on social media platforms. It doesn’t take long for your kids to become exposed to these dangers. These internet dangers can risk your teen’s life by affecting their mental and physiological health. 

If you do not supervise, control, and manage their online activities, you can lose your teens forever. They can easily become influenced by their peers or get involved in something dangerous. Therefore, it is essential that parents keep a close eye on their teen’s online activities because that’s one of the best ways to protect them from harmful online dangers. For this purpose, parents can consider installing hidden spy apps for Android or iPhone on their teen’s smartphone.

Is It Okay to Monitor Your Teen’s Online Activity Secretly? 

Now that you know why monitoring your teen’s online activity has become the need of the hour, let’s talk about whether it is okay or not to monitor them in a secretive manner. Many parents consider using stealth apps to track their teen’s smartphone activities to avoid any fight with them.

As most teens loathe the idea of their smartphones getting tracked by their parents, parents believe it is better to not tell them about the monitoring apps at all. They choose stealth apps and install them on their teen’s smartphone and then hide the app’s icon from their phone’s display so they cannot come to know about it. 

These stealth apps have the ability to work secretly in the background of the target smartphone without disrupting their work. Teens cannot even tamper with these apps because they wouldn’t even know that such an app has been installed on their smartphone. 

Surely, these stealth apps work just fine and help you fulfill the purpose of monitoring your teen’s online activities without them knowing but we wouldn’t recommend using them all. 

It is better to take your teen’s confidence first and inform them about the monitoring apps before installing one on their smartphone. When you explain to them the reasons for using spy apps for Android or iPhone on their smartphone, your teens will likely understand your viewpoint and they might assist you in monitoring their online activities. 

Some parents also believe in having a heart-to-heart and open discussion with teens about their internet activities. Parents who have developed a strong bond with their teens do not have to worry about their teens coming across any online dangers because they know their teens can tackle them wisely. 

When teens are educated about online dangers and know how to handle them on their own, they do not necessarily need any monitoring apps installed on their smartphones. Parents should teach and educate their teens about online dangers and how to use the internet and social media safely and responsibly. 

Even if they need to monitor their teen’s smartphone activities, they should inform their teen about it first, take their consent, and then install the monitoring app on their device. This is how a parent-teen bond can flourish and become stronger. 

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A Guide for Home Loan Subsidy Under PMAY

Since the PMAY initiative was launched in 2015 several thousands of home applicants have availed the subsidy benefits. If you are looking to apply for a loan soon, the following tips will guide you through the application process.

The PMAY or Pradhan Mantri Awas Yojana is an affordable housing scheme launched by the government of India in 2015. Under the scheme, the government aims to accomplish its ‘Housing for All’ mission and build more than two crore affordable housing units across several cities and rural locations in India. The primary objective of this mission is to eliminate the slums and provide every Indian citizen a permanent housing unit and improve their standard of living.

Another critical aspect of the Pradhan Mantri Awas Yojanascheme is the Credit-Linked Subsidy Scheme or CLSS. Under this scheme, the government aims to provide financial aid to the aspiring home buyers, in the form of a subsidy on home loan interest and encourage them to become homeowners. To ensure that all citizens get maximum benefit from the CLSS, the government has fixed the subsidy rate based on the income group they belong to.

If you are applying for a home loan, you must oblige with several procedures. Similarly, applying for PMAY benefits requires you to follow certain procedures. There are two ways to apply for PMAY benefits – online and offline. And, each method requires you to follow specific steps, which are discussed below:

Offline Application

1.If you are not comfortable applying for the PMAY benefits online, you can visit any of the authorised lender’s offices of your choice and fill the loan application form. You must submit the form along with the relevant KYC documents (as mentioned in the application form) and submit proof of your credit rating.

2.After you complete the initial formalities, the lender will verify the details of your application and sanction your loan.

3.Once your loan is approved, you must ask the lender to provide you the PMAY form and submit the same along with the loan details at any of the nodal offices or to the authorised bank for further process.

4.Choose the right property that you wish to buy and register for the scheme

5.Once your PMAY application is verified, the government will sanction the subsidy and forward the amount to the lender who will then credit the same to your loan account. After you receive the amount, the lender will adjust the EMI.

Online Application

Applying for the PMAY benefits online is much easier than the offline process. Besides, the online process involves less paperwork and you can apply for the benefit from the comfort of your home. For online application, follow the below steps:

1.Visit the PMAY website –

2.Select the ‘citizen assessment’ option from the menu and apply under the relevant category. There are two options – ‘slum dweller’ and ‘benefit under other 3 components.’

3.A new screen will appear that will prompt you to enter the 12-digit Aadhaar number and name. Enter the details exactly as mentioned on the card.

4.Next, you will be redirected to the PMAY scheme application page.

5.You must enter details like name, address, bank account, income, etc. The income you mention will determine your eligibility for the subsidy under the relevant income category.

6.After you fill in the details, review the same for any errors before submitting the application.

7.A new window will appear with information you provide. If all the details are correct, click on the ‘I am aware of’ button at the bottom of the page.

8.The system will not generate an application number. Keep this number handy for future reference and to check your application status.

9.Submit the form to any of the authorised lenders of your choice along with the necessary documents. Make sure to keep photocopies of the documents for future reference.

Final Word

Whether you apply for the PMAY benefits online or offline, take advantage of the subsidy and reduce your financial burden on repayment of the home loan.

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The effects of the corona pandemic on the pizza industry.

In the past one and almost half a year, the world has witnessed the most terrific pandemic of all time. The corona pandemic, whose outbreak was back in December 2019 and from Wuhan in China. The pandemic has had a lot of negative effects on most businesses, for example, most workers from different companies work from home. Other sectors like the pizza restaurants have had their story on how the pandemic has affected it. Double Pizza delivery has also had to do most of their services of pizza ordering and delivering online. Since the disease is fatal and can easily spread, there were safety measures taken to curb its spreading. One of these safety measures was imposing a lockdown for most of the countries. This left the streets clear. The restaurants depended on the people in the street as their main customers. In this article, we are going to learn about the effects of the corona pandemic on the pizza industry.

  • Rejuvenation of online food delivery.

Although online food ordering was there before. After the pandemic, it increased as more people were at home and could not visit their best restaurants for pizza. This complies with the safety measures in place for curbing the disease from spreading. Most people make orders online and wait for the food to be delivered on their doorsteps.

  • Increased employment.

Since the foods had to be delivered to the address the customers provide, there was an urge for employing more drivers and delivery boys to ensure that orders reach customers on time. Since there was more order online, the demand also needed more workers who would ensure orders are accepted, the pizzas are ready and everything flows smoothly. However, as new job opportunities were created, more people lost their jobs. For example, the waiter who worked in the restaurants lost their jobs since there are no more people in the restaurants.

  • More online business.

The pandemic has also taught people that the internet is a large market for everybody. Now that almost everybody is on the internet, it is always good to market your brands and products online. This will ensure that it reaches a large mass of people. Many businesses are migrating to online services where many people have started building trust. The pizza industry has learned that the internet is a competitive and the right place to have your products available for all kinds of customers.

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