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Hawaii Facts and History

Hawaii has become one of the states of the United States of America since August 21, 1959. It is made up of volcanic islands in the middle of the Pacific Ocean, which capital is Honolulu located on the island of Oahu. Its area is about 10, 970 square miles with a current population of not more than two million. Although the islands are surrounded by volcanoes and a lot of water, Hawaii is considered to be a cultural center where different nationalities gather and a major tourist spot across the globe.   

The island is the 50th state of the United States and since the US settlement, Hawaii has become one important US global defense system as it is strategically located in an area that has access to the eastern part of the globe. In fact, Hawaii BAH is available for all military members who choose to settle off-base.   

Besides what was mentioned, Hawaii is also rich economically. Hawaii is a famous spot for tourists and the whole island relies on the funds that they get from the tourists. Aside from the tourist spots, one of the things that provide money to the islands is its agriculture and manufacturing industry. This is made possible because of the rich nature of the islands: from the mountains, oceans, and other beautiful landscapes of Hawaii. In fact, to maintain its abundant resources, the Hawaiian government gives a lot of effort in their international research and development in astronomy, geophysics, oceanography, biomedicine, and satellite communications.   

It was mentioned that Hawaii has many active volcanoes on its islands. There are eight considered major islands in Hawaii including Kauai, Niihau, Lanai, Kahoolawe, Molokai, Oahu, Hawaii, and Maui. It was believed that all of these islands were made 70 million years ago where most volcanic activities became dormant, with the exception of other volcanoes.   

When it comes to its climate, Hawaii is known for its tropical climate although it has strong north winds that give a cold breeze to the people of Hawaii. The climate is ideal for a lot of recreational activities including surfing, goal, swimming, softball, and others. In fact, most tourists go to Hawaii because the islands have a lot of recreational activities available for them. Hiking and other activities are also available to do.   

Because of the climate and the rich natural resources, the islands also have rich plants and flowers. Endemic plants were carried by the birds, currents, winds, and tides although a large number of species were introduced by humans. Because the state is an archipelago, it is very reached with marine plants and animals. All of these contribute to the rich environment that you will see in the Hawaiian Islands.   

The original settlers were Polynesians who migrated from the Marquesas Islands in the 7th century. It was in the 1700s that foreign people went to the islands of Hawaii. British captain James Cook, and since then, a lot of voyages happened towards the islands.   

Currently, the Hawaiian population is accounted to not more than 2 million in terms of population.   

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How to Handle Roofing Emergencies

Having a high-quality roof is as crucial as having a high-quality foundation for your commercial or residential property. Unfortunately, roofing issues can still occur even if you’ve got a high-quality roofing material.  

Roofing emergencies come in a lot of forms and shapes. A lot of these can be expected ahead of time. However, others can happen with extremely little warning.  

Of course, a hailstorm, hurricane, tornado, or other extreme weather event would clearly count as a roof emergency. So, what should you do when you encounter roofing emergencies?  

Aside from hiring a residential or commercial roofing company, here are other tips you can follow: 

Poor Installation Workmanship 

Almost every roofer agrees that the primary cause of premature roof failure is not an issue with the roofing materials themselves. Oftentimes, it is a product of the roof not being installed properly in the first place. Because of this, it is important to hire a reliable roofing company from the start.  

Lack of Maintenance 

You should examine your roof thoroughly at least once a year at a bare minimum. It is an even better idea to inspect your roof after every season. If you don’t do this, minor issues can immediately turn into major ones.  

Roof Leaks 

Even if you have a small leak in your house, you should consider it an emergency. Roof leaks should not happen if your roof is still in excellent condition. A roof leak can also lead to internal water damage, mildew growth, and mold development.  

Depending on the location of the leak, it can lead to building foundation damage as well.  

Ice Dams and Snowpack 

Though severe winter storms are not a regular threat to most areas in the United States, frozen precipitation can still happen. If your roof encounters prolonged freezing weather, ice dams and snowpack can lead to water damage and leaks.  

Strong Winds, Cold Fronts, and Microbursts 

Straight-line winds and microbursts are not tornadoes. However, these are the results of a downdraft from a thunderstorm. These things can generate actual damage in a short period. Even the passage of a cold front without embedded storms can often produce damaging winds.  

Always Hire a Reliable Roofer 

You might not require major roof repairs today. However, if you need an emergency roof replacement or repair service, it can be extremely overwhelming and confusing.  

The heat of the moment isn’t the ideal time to make any long-lasting and important decisions. Because of this, it’s ideal to find a reliable roofer to partner with before you need them. With this, you’re always prepared if your roof experiences any type of emergency.  

Fix and Evaluate Any Immediate Problems 

First of all, you need to regularly evaluate your roof’s current condition. If you don’t like doing the job, you can hire a professional roofer to help you. Once you’re done with the inspection, do not hesitate to fix any issues you have discovered during the process.  

If you tackle minor roofing problems immediately, you can prevent them from becoming a major issue down the line.  

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Reasons to Purchase a House

If you are like most first-time buyers of a house, you may probably be listening to your co-workers’, friends’ and family’s advice, a lot of them are encouraging you to purchase a house. However, you might still wonder if purchasing a house is the best thing that you could do. 

Having some reservations is basically normal. As a matter of fact, the more you have the knowledge about why you need to purchase the house, the less scary the whole process will be. The following are some of the good reasons why you need to buy a house of your own: 

1. Ownership Pride 

Ownership Pride is actually the main reason why people desire strongly to have a house of their own. That means that you may paint the walls of any color you want, attach permanent fixtures, decorate you house in accordance to your own preferences and turn up the music of your liking. In short, you can do whatever you want to do in your own property. Home ownership provides you as well as your family with a sense of security and stability. It is making a good investment for your future. 

2. Appreciation 

Beyond ownership pride, it is also very essential to realize another advantage. Real estate actually moves in cycles, sometimes down, sometimes up, yet for the past several years, real estate has constantly appreciated. 

3. Mortgage Interest Deductions 

Owning a house is an excellent tax shelter and the taxes rates are in favor of the homeowners. Having said that, oftentimes, the mortgage interest deduction may overshadow the desire for ownership pride. As long as the homeowner’s mortgage balance is lesser than the value of your house, mortgage interest is totally verifiable on the tax return. In addition to that, mortgage interest is the biggest component of a mortgage payment. To know more about it, you can also reach out to a professional who knows how to refinance mortgage

4. Exclusion of the Capital Gain 

As long as you’ve lived in your house for 2 of the past 5 years, then you may exclude up to 250,000 dollars for an individual or 500,000 dollars for the married couple. With that being said, you do not need to purchase a replacement house or move up. There’s no restriction to age and the rule for over 55 years old doesn’t apply at all. You may exclude the above-mentioned thresholds from taxes every twenty-four months, that means that you could sell every 2 years and keep the profit free from taxation. 

5. Preferential Tax Treatment 

When the home buyer receives more profit compared to the allowable exclusion upon your home’s sale, that profit will basically be considered as the capital asset, provided that you owned the house for more than a year. Capital assets have preferential tax treatment, that means that even if your sales profit surpasses the exclusion, the taxable part will be less than you can imagine. 

6. Equity Loans 

Clients who carry balances and credit card can’t reduce the interest paid, that can also cost up to 18-22%. The equity loan interest is usually much less and it’s deductible.