Author: Creative Programs and Systems

How to Limit the Tick Population on Your Property

Ticks are not only a concern when venturing into the great outdoors—they can also thrive in your own backyard. Colorado, with its abundant grassy, brushy, and wooded areas, provides the perfect environment for ticks to live and hitch a ride on pets or humans. Whether you’re walking your dog, gardening, hiking, or hunting, it’s important to take measures to limit tick exposure both inside and outside your home. Here’s how you can reduce the tick population around your Colorado property and protect yourself and your family from tick bites.

1. Know Where to Expect Ticks

Ticks thrive in tall grasses, brushy areas, and wooded environments, making areas near your home, like lawns, gardens, and forests, prime habitats. In Colorado, ticks are commonly found in these spaces. To avoid exposure, try to stay on well-maintained trails and paths when walking or hiking, and steer clear of areas with dense vegetation. Keeping a safe distance from these high-risk zones will help minimize your chances of encountering ticks.

2. Treat Clothing and Gear

Protecting yourself and your gear is essential when heading outdoors. You can treat your clothing, boots, and camping gear with a product containing 0.5% permethrin, which remains effective even after several washes. Alternatively, consider buying pre-treated gear for added convenience. Additionally, use EPA-registered insect repellents with active ingredients like DEET, picaridin, or IR3535. Be sure to follow the product instructions carefully to maximize effectiveness. Remember, children under 3 years old should not use products containing Oil of Lemon Eucalyptus (OLE) or PMD.

3. Check for Ticks After Outdoor Activities

Ticks can easily hitch a ride on your clothing, pets, and gear. After spending time outdoors, always check yourself, your children, and your pets for ticks. It’s also a good idea to tumble-dry your clothes on high heat for 10 minutes, as heat will kill ticks. If your clothes are damp, additional drying time may be needed. For a more thorough cleaning, wash your clothes in hot water to ensure any ticks are removed.

4. Shower After Being Outdoors

Showering within two hours of coming inside can help reduce the risk of tick-borne illnesses like Lyme disease by washing off any unattached ticks. This is a great time to do a full body tick check, especially around areas like your armpits, ears, and scalp, where ticks are more likely to attach.

5. Conduct a Full Tick Check

Perform a thorough tick check after every outdoor activity. Be sure to check under the arms, behind the knees, around the waist, in and around the ears, between the legs, and in the hair. Use a handheld or full-length mirror to help inspect hard-to-see areas.

How to Safely Remove a Tick

If you find a tick attached to your skin, it’s essential to remove it properly to avoid any potential health risks. Follow these steps from the CDC:

Photo: Instructions on how to remove a tick, from the CDC.

  • Using fine-tipped tweezers, grasp the tick as close to the skin’s surface as possible.
  • Pull straight up with steady, even pressure—avoid twisting or jerking, as this could cause the tick’s mouthparts to break off.
  • If parts of the tick are left in the skin and can be easily removed, carefully use tweezers to remove them. If not, leave them to heal naturally.
  • Clean the bite area and your hands with rubbing alcohol or soap and water.
  • Dispose of the tick by placing it in alcohol, sealing it in a container, taping it securely, or flushing it down the toilet.

Reducing the Tick Population in Your Yard

To limit tick populations in your yard, the CDC recommends several strategies:

  • Clear leaf litter, tall grasses, and brush around your home and the edges of your lawn to reduce tick habitats.
  • Create a 3-foot barrier of wood chips or gravel between your lawn and wooded areas to prevent ticks from migrating into your recreational spaces.
  • Mow your lawn regularly to keep grass short and less hospitable to ticks.
  • Stack firewood neatly in a dry area to deter rodents, which can attract ticks.
  • Position playground equipment, decks, and patios away from yard edges and trees, as these areas are tick-friendly.
  • Use fences to keep out unwanted animals like deer and raccoons, which can carry ticks into your yard.
  • Remove old furniture and trash from your yard, as these items provide ideal hiding spots for ticks.

Reducing Tick Exposure Around Your Home

In addition to these preventive measures, you may also consider applying pesticides to control ticks in your yard. While pesticides are effective, they should be used in conjunction with other methods, like keeping your yard tidy. Always follow the label instructions and check with local health or agricultural officials about any local regulations regarding pesticides. Lastly, if ticks are too problematic in your area, contact Front Range Pest for assistance in managing and reducing the tick population on your property.

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Front Range Pest is your trusted, family-owned pest and wildlife control company serving central Colorado and southern Wyoming. Our certified technicians have the expertise and credentials to ensure effective pest management for your home or business. As your all-in-one insect and wildlife specialists, we offer peace of mind by identifying wildlife entry points, removing nuisance pests, sealing access areas, performing cleanup, and making essential repairs. Schedule an inspection with us today.

Written by the Digital Marketing Team at Creative Programs & Systems: https://www.cpsmi.com/.

Preventing Tick Bites: Essential Tips for Staying Safe Outdoors

Ticks are commonly found in grassy, brushy, or wooded areas and can even hitch a ride on animals. Activities like walking your dog, camping, gardening, or hunting can bring you into close contact with these pests. Here are some effective ways to prevent tick bites and stay safe outdoors:

  1. Know Where to Expect Ticks
    Ticks thrive in tall grass, wooded areas, and brushy environments. Avoid these areas and stick to the center of well-maintained trails when walking or hiking.
  2. Treat Clothing and Gear
    To protect yourself, treat your clothing and camping gear with products containing 0.5% permethrin, which remains effective even after several washes. Alternatively, you can buy pre-treated gear. Additionally, use EPA-registered insect repellents containing DEET, picaridin, or other recommended ingredients. Always follow product instructions, and avoid using products containing Oil of Lemon Eucalyptus (OLE) or PMD on children under 3 years old.
  3. Check for Ticks After Outdoor Activities
    After spending time outdoors, check your clothing, pets, and gear for ticks. Tumble-dry clothes on high heat for 10 minutes to kill any ticks. If the clothes are damp, add extra drying time, or wash them in hot water to remove ticks.
  4. Shower After Being Outdoors
    Showering within two hours of coming indoors can help reduce the risk of Lyme disease and other tick-borne illnesses by washing off any unattached ticks. Use this time to check your body for ticks, especially in areas like the armpits, ears, and hair.
  5. Conduct a Full Tick Check
    Perform a thorough tick check on yourself and your children after being outdoors. Pay close attention to areas like under the arms, behind the knees, around the waist, and in the hair.

By following these simple tips, you can significantly reduce your risk of tick bites and enjoy your outdoor activities with peace of mind.

How to Safely Remove a Tick from Your Skin

Animated image from the CDC on instructions on how to remove a tick.

Photo: Instructions on how to remove a tick, from the CDC.

If a tick is attached to your skin, remove it promptly with fine-tipped tweezers. Grasp the tick as close to the skin’s surface as possible and pull straight up with steady, even pressure—avoid twisting or jerking to prevent the tick’s mouthparts from breaking off. If mouthparts remain in the skin and are easy to remove, do so with tweezers; if not, leave them to heal naturally. After removal, clean the bite area and your hands with rubbing alcohol or soap and water. Never crush a tick with your fingers. Dispose of live ticks by placing them in alcohol, sealing them in a container, taping them securely, or flushing them down the toilet.

Reducing the Presence of Ticks in Your Yard

To minimize ticks in your yard, the CDC recommends:

  • Remove leaf litter and clear tall grasses and brush around your home and lawn edges.
  • Create a 3-foot barrier of wood chips or gravel between lawns and wooded areas to prevent tick migration.
  • Mow the lawn regularly.
  • Stack firewood neatly in a dry area to deter rodents.
  • Position playground equipment, decks, and patios away from yard edges and trees.
  • Use fences to keep out unwanted animals like deer and raccoons.
  • Remove old furniture and trash that provide hiding spots for ticks.

Reducing Tick Exposure Around Your Home

To reduce tick exposure, consider applying pesticides in your yard to control their population. While pesticides can help, they shouldn’t be your only method of protection. Always follow the label instructions and check with local health or agricultural officials for guidance on:

  • The best time to apply pesticides
  • The most effective pesticide for your area
  • Local regulations for pesticide use on residential properties

For professional assistance, contact Northern Pest Control to help manage ticks and further keep your home safe.

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Northern Pest: Our family serving yours! We are licensed and insured to provide insect and wildlife pest control. Our crew has the expertise to track wildlife entry points and remove pests of all kinds, including our licensed builders, who can make any of the necessary repairs caused by wildlife. Northern Pest is a member of the MDAT and the NWCOA. We are certified by the IICRC to offer professional mold mitigation services caused by animal damage. At Northern Pest, we do it all!

Written by the Digital Marketing Team at Creative Programs & Systems: https://www.cpsmi.com/.

The One Bathroom Upgrade That Will Add the Most Value to Your Home

When renovating your home, balancing personal style, functionality, and potential resale value is key. The bathroom, especially the primary one, is a space where these elements converge. It’s a room that not only serves a practical function but also offers an opportunity to create a luxurious retreat. But which upgrade provides the most return on investment? According to top real estate experts, it’s a spa-like walk-in shower.

Why a Luxury Shower is the Ultimate Bathroom Upgrade

Upgrading to a high-end shower is the most impactful change you can make in your bathroom. Real estate professionals agree that luxury and design are top priorities for homebuyers, and a beautifully designed walk-in shower ticks all the boxes. This upgrade not only enhances the bathroom’s appeal but can also help your home sell faster and for a higher price. Even smaller changes, like adding a frameless glass shower door or replacing outdated fixtures, can create a spa-like atmosphere that buyers crave.

Tips for Creating a Luxury Shower

  • Make It the Focal Point: If your budget is limited, focus on making the shower the standout feature. Keep the rest of the bathroom simple and timeless, allowing the shower to shine.
  • Choose Natural Stone: Opt for luxurious materials like marble or high-quality ceramic for a sophisticated finish. These materials provide long-term value and will appeal to future buyers.
  • Double Shower Heads: If possible, add a second shower head for a truly indulgent experience. It’s a feature many buyers will love, and it’s easy to install during a renovation.
  • Swap Out the Curtain: Replace a dated shower curtain with a glass door or splash guard for an instant upgrade, making the space feel cleaner and more upscale.

By focusing on a luxurious walk-in shower, you can significantly increase the value of your home while also creating a personal retreat that you’ll enjoy every day. Ready to elevate your bathroom? Let JFC Remodeling help you bring your vision to life with high-quality craftsmanship and design.

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JFC Remodeling is committed to providing top-quality home reconstruction services to clients throughout Livingston County. With over 30 years of experience in the industry, our licensed contractors create unique, individualized, and polished renovations. Whether the site requires improvement, repair, or is a new construction, you can trust our experts to deliver remarkable results. Call or email us to learn more.

Written by the Digital Marketing Team at Creative Programs & Systems: https://www.cpsmi.com/.

Using DSCR Loans to Expand Your Rental Property Portfolio in 2025

As a real estate investor looking to scale your rental property portfolio, it’s crucial to find financing options that make it easier to manage your growing business. DSCR (Debt Service Coverage Ratio) portfolio loans are an excellent solution for investors who want to consolidate their properties into one manageable loan. These loans not only simplify financing but also offer several benefits for scaling your rental business.

DSCR Loans Are Perfect for Growing Your Portfolio

  1. Efficient Financing for Multiple Properties
    Instead of applying for separate loans for each property, DSCR portfolio loans allow you to finance multiple rental properties with one loan. This reduces paperwork, streamlines the loan process, and simplifies your monthly payments, making it easier to manage your debt.
  2. Easier Qualification as Your Portfolio Expands
    Traditional financing methods can become a bottleneck as your portfolio grows due to strict income documentation requirements. DSCR loans, however, focus on the rental income generated by the properties rather than personal income. This allows investors to qualify for loans more easily, even as they acquire more properties.
  3. Increased Borrowing Capacity
    With conventional loans, your debt-to-income ratio can limit your ability to borrow more funds. DSCR loans focus on the income generated by the rental properties themselves, not on your personal financial situation. This removes the debt-to-income barrier, making it easier to secure larger loan amounts.
  4. Flexible Loan Terms
    DSCR loans often offer flexible repayment options, such as interest-only payments, which help investors manage their cash flow as they continue expanding their portfolios. These flexible terms provide room for strategic financial management.
  5. A Long-Term Growth Strategy

DSCR portfolio loans are designed with long-term growth in mind. By keeping liquidity available for future property acquisitions, investors can capitalize on market conditions and grow their portfolios continuously, ensuring sustainable success.

Qualifying for a DSCR Loan

While DSCR loans are generally easier to qualify for compared to traditional mortgages, you still need to meet certain criteria to demonstrate your ability to make the required payments:

  • DSCR Ratio: Most lenders prefer a DSCR of at least 1.0, though a ratio of 1.25 or higher is often favored.
  • Credit Score: A minimum credit score of 620-680 is typically required.
  • Down Payment: You’ll need to provide a down payment of 20-25% of the property’s purchase price.
  • Property Types: DSCR loans are available for single-family homes, multi-family properties, and some commercial spaces.
  • Reserves: Lenders may require reserves to cover several months of mortgage payments.

Maximizing Your DSCR Loan

To get the most out of your DSCR loan and maximize your investment potential, consider these strategies:

  1. Stay Informed on Market Trends
    Keep an eye on growing rental markets. Cities like Dallas, Miami, Houston, Tampa, St. Petersburg, and Nashville are experiencing rapid growth, making them prime targets for investment. You may also want to explore alternative sectors like medical spaces, senior housing, and logistics properties, where demand is high.
  2. Monitor Interest Rate Movements
    Interest rates play a significant role in your loan terms and property cash flows. Although rates have stabilized, it’s important to stay informed about any changes that could affect your financing options.
  3. Leverage Technology
    Technology can streamline your investment process and enhance your portfolio strategy:
    • Use data analytics to predict market trends and assess property performance.
    • Employ property management software to simplify operations and reduce vacancies.
    • Use virtual tours and targeted marketing campaigns to attract tenants and maximize rental income.
  4. Invest in Sustainable Properties
    More investors are focusing on properties with strong environmental, social, and governance (ESG) qualities. Consider investing in energy-efficient properties or those that are resilient to climate risks. Properties with these features tend to attract high-quality tenants and offer long-term value.

Take Your Portfolio to the Next Level

DSCR loans are a powerful tool for real estate investors looking to expand their rental property portfolio in 2025. By focusing on rental income rather than personal income, DSCR loans allow for more efficient scaling, quicker financing, and a higher borrowing capacity. With a solid investment strategy and a focus on profitable properties, DSCR loans can help you build a thriving real estate business for the long term.

Ready to grow your rental portfolio? Let EB Mortgage guide you in securing the right DSCR loan to achieve your investment goals.

EB Mortgage is a locally owned mortgage company with experts in new home purchase, refinancing, and commercial loans. Our wholesale rates can’t be beaten. We offer more products, more options, and more solutions. Our “3C” Process is simple: complete our pre-approval request, consider options based on your requirements, and choose the offer that suits your needs best. Call us or e-mail us today!


Written by the Digital Marketing Team at Creative Programs & Systems: https://www.cpsmi.com/.

Empower Your Business with Comprehensive IT Solutions

At Creative Programs and Systems (CPS), we’re more than just an IT consulting firm – we are your dedicated partner in technology, committed to enhancing your business operations through expert guidance and reliable services. Serving southeastern Michigan since 1994, CPS has earned a reputation for delivering tailored IT solutions that drive success.

Computer Consulting: Tailored Solutions for Your Business

At the heart of CPS’s approach is our commitment to understanding your unique IT needs and challenges. We start by conducting a thorough review of your current IT infrastructure and identifying areas for improvement. Whether you’re a small startup or an established enterprise, our team of IT experts develops a strategic action plan that aligns with your business objectives and budget.

We strategize with you to enhance and grow your business while ensuring that your technical environment operates seamlessly. From managing data security and privacy to ensuring compliance with industry regulations, CPS provides competent advice on the latest technology solutions tailored to your specific needs.

Over the years, CPS has helped numerous clients transition from small operations to thriving enterprises, thanks to our reliable support services and tested technology solutions. Our goal is to save you time and expense by delivering expert guidance and implementing solutions that drive growth and efficiency.

Managed IT Services: Your Reliable IT Partner

Managing IT infrastructure can be complex and time-consuming, which is why CPS offers Managed IT Services designed to alleviate the burden. With CPS managing your IT needs, you can focus on core business activities without worrying about technology disruptions.

Choosing our Managed IT plans is akin to having an internal IT department without the overhead costs. Our proactive approach includes 24/7 system monitoring, ensuring issues are identified and resolved before they impact your business. Whether you need remote support or on-site assistance, our team is readily available to provide reliable IT solutions tailored to your business size and industry.

From server installations and network maintenance to system audits and data backups, CPS offers a comprehensive range of services aimed at keeping your IT infrastructure secure and efficient. Our customer support portal allows you to request immediate assistance from our in-house consultants, ensuring prompt resolution of any IT issues.

Antivirus Management: Protecting Your Business Every Step of the Way

In today’s digital landscape, cybersecurity is paramount. CPS offers advanced antivirus management services to safeguard your business from cyber threats. Our lightweight antivirus solutions and proactive system maintenance ensure that your computers remain protected without compromising performance.

Our AI-driven tools monitor your systems in real-time, identifying and resolving potential issues remotely before they escalate. With CPS’s antivirus management plan, you can rest assured that your business data and operations are secure against evolving cyber threats.

Customized IT Solutions for Every Business

Whether you require occasional IT assistance or comprehensive daily support, CPS designs Managed IT Plans that align with your operational needs and budget. We believe in delivering reliable solutions that address your IT challenges effectively the first time around, without resorting to temporary fixes.

Our consultants work closely with you to understand your IT environment and devise a plan that optimizes your technology investments. We prioritize reliability, efficiency, and scalability to ensure your IT infrastructure supports your business growth seamlessly.

Partner with CPS Today

Ready to elevate your business with expert IT solutions? Consult with CPS today to receive a personalized IT plan that takes your business to the next level of success. Trust CPS to be your trusted IT partner, providing unmatched expertise and support to help your business thrive in today’s competitive landscape.

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Founded in 1994, Creative Programs and Systems delivers professional results for all your computer needs. We specialize in designing and developing custom software applications and websites. Additionally, we offer superior digital marketing services dedicated to enhancing your online presence. We also repair and support commercial computer infrastructure, build custom systems and servers, offer secure data backups, and more! For assistance or to learn more, call (810) 224-5252 or email us at info@cpsmi.com.

Written by the Digital Marketing Team at Creative Programs & Systems: https://www.cpsmi.com/.

J&P Electrical: Asset Recovery Services

J&P Electrical is a full-service electrical equipment provider specializing in new surplus, reconditioned, and obsolete electrical components. Serving contractors, supply houses, and end users, we offer a broad range of products, from busways and bus plugs to transformers, circuit breakers, and more.

Our asset recovery division focuses on complete electrical tear downs and plant cleanouts, working with prominent companies such as Adamo, Bierlein, and Brandenburg. We provide competitive prices by cutting out the middleman, ensuring our customers receive top-quality, refurbished equipment at a fraction of the cost. Our team of experienced, professional staff is committed to upholding the highest safety standards and delivering exceptional service.

Asset Recovery & Purchasing Electrical Equipment

At J&P, we don’t just supply equipment; we also buy. If you have excess or unused electrical equipment, we’ll purchase it directly from you. Our team buys a wide range of items, including transformers, bus plugs, panel switches, disconnects, fuses, and bus duct, offering competitive prices for your surplus inventory.

Why Choose J&P Electrical?

  • Wide Range of Products: From brand-new surplus to professionally reconditioned equipment, we offer products that meet the needs of any commercial or industrial project.
  • Fast Service, Great Prices: We understand the importance of time in the electrical industry. Our large 50,000 sq. ft. facility and motivated staff ensure that you get the equipment you need—fast and affordably.
  • Full Warranty: All our products come with a one-year warranty, ensuring peace of mind and confidence in your purchase.
  • Asset Recovery Expertise: Our team specializes in electrical asset recovery and plant cleanouts, offering efficient and safe services that save you money.

Get in Touch with J&P Electrical

Whether you’re looking for quality products or comprehensive asset recovery services, we have you covered with over 50 years of experience and the buying power to get the job done right. For more information or to schedule an asset recovery, contact us directly. Let J&P Electrical be your trusted partner for all your electrical needs.

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J&P Electrical is a full-service electrical supply company. At J&P, we source contractors, end-users, and supply houses with new surplus, quality reconditioned, and obsolete electrical equipment. We also purchase a wide range of heavy industrial electrical equipment such as bus plugs, bus duct, transformers, circuit breakers, fuses, and switchboards. Call us at 877-844-5514 for assistance. 

Written by the Digital Marketing Team at Creative Programs & Systems: https://www.cpsmi.com/.

New Discovery in Matter-Antimatter Asymmetry

A groundbreaking study by the LHCb collaboration at CERN has revealed a significant step forward in understanding the differences between matter and antimatter. At the recent Rencontres de Moriond conference, the team presented evidence of a unique asymmetry in the behavior of baryons, particles like protons and neutrons that form atomic nuclei. This discovery sheds light on why matter and antimatter behave differently and could help explain why matter dominated the universe after the Big Bang.

For years, scientists have studied CP (charge-parity) violation, a phenomenon where particles and their antimatter counterparts do not behave symmetrically. While CP violation had been observed in mesons (particles made of quark-antiquark pairs), it had been harder to detect in baryons, which are made of three quarks. However, using data from the Large Hadron Collider (LHC), the LHCb team successfully observed CP violation in baryons for the first time, specifically in the beauty-lambda baryon (Λb).

The team analyzed over 80,000 baryon decays and found a 2.45% difference between the decay rates of the Λb and its antimatter counterpart, the anti-Λb. This significant discovery, measured with high precision, marks a key milestone in exploring the mystery of matter-antimatter asymmetry in the universe.

This observation not only deepens our understanding of the Standard Model of particle physics but also hints at the existence of new sources of CP violation, potentially opening the door for discoveries beyond the current model. As CERN continues its research, this new insight into baryons may lead to further breakthroughs in physics, offering new clues to one of the universe’s most profound mysteries.

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RadParts, a TTG Imaging Solutions Company, is the world’s largest independent distributor of OEM replacement parts. We specialize in low-cost parts for repairing linear accelerators and radiation equipment. Our mission is to provide high-quality, user-friendly, low-cost components and support for linear accelerators and radiation equipment. Contact RadParts at 877-704-3838 to learn more.

Written by the Digital Marketing Team at Creative Programs & Systems: https://www.cpsmi.com/.

Prepping for Pool Season: Get Ready with Pound Pool Plastering

As pool season approaches, it’s time to get your pool in top shape for those sunny days ahead. Whether you’re planning to open your pool for the first time this year or you’re in need of a renovation, the key to a perfect swimming experience is ensuring your pool is properly maintained and updated. That’s where Pound Pool Plastering comes in.

Why Choose Pound Pool Plastering?

Since 1994, Pound Pool Plastering has been a leader in swimming pool plastering, tiling, and coping throughout Michigan and surrounding areas. With over 3,000 pools plastered, we specialize in a wide variety of finishes for both residential and commercial pools. From pool repairs to complete renovations, we have the expertise to meet your pool needs.

What We Offer:

  • Plastering: We offer high-quality pool plaster finishes, including Diamond Brite, Sunstone, Hydrazzo, and Marcite. Whether you’re looking to give your pool a fresh look or need to address wear and tear, we have the perfect plaster solution for you.
  • Tile and Coping: We specialize in ceramic tile replacement, as well as porcelain, glass, and frost-proof coping replacement and repairs. We also offer a wide selection of tiles and coping stones to match your pool’s aesthetic.
  • Complete Pool Renovations: If your pool is in need of a makeover, we provide full renovations to bring it back to life. From new plaster to updated tiles and coping, we’ll help you transform your pool into a stunning centerpiece.
  • Free Estimates: At Pound Pool Plastering, we provide free, no-obligation estimates. We take pride in our work and guarantee that each project meets the highest standards of quality and craftsmanship.

Residential and Commercial Services

No job is too big or too small. Whether you own a private residential pool or manage a commercial aquatic center, we have the expertise to get your pool in perfect condition. We’ve been working with commercial clients since our inception, so you can trust us for all your pool plastering, tiling, and coping needs.

Why Choose Us?

  • Experience: Our team has over 55 years of combined experience, ensuring that every job is done right.
  • Quality: We use only the best materials, including top-tier plaster finishes and durable tiles, ensuring long-lasting results.
  • Personalized Service: We do not subcontract work; our in-house crew handles every project, ensuring consistency and quality throughout the process.
  • Affordable Pricing: We offer competitive rates without sacrificing quality, making Pound Pool Plastering the best value for your investment.
  • Fully Insured: We are fully insured and a proud member of the National Plasters Council (NPC).

Ready for Pool Season?

Now is the perfect time to get your pool ready for the season. Pound Pool Plastering is your go-to partner if you need a plaster finish, tile repairs, or a complete renovation. All estimates are free! Remember, when it comes to in-ground pools, the only name you need to know is Pound Pool Plastering—“If it’s in ground, call Pound!”

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Pound Pool Plastering services residential and commercial pools in applying a wide variety of pool plaster finishes and complete renovations. We offer Diamond Brite, Sunstone, Hydrazzo, and Marcite – and a great selection of tile choices and coping stones. Owner Dale Pound personally oversees each pool project to ensure the highest quality is delivered. Call or email us for a free estimate.

Written by the Digital Marketing Team at Creative Programs & Systems: https://www.cpsmi.com/.

Michigan Bond Claim FAQs: A Guide for Construction Surety Bonds

If you’re involved in Michigan’s public construction projects, understanding the ins and outs of bond claims is essential. Below are answers to frequently asked questions about Michigan’s public payment bond claims laws, so you can better navigate the process when you need to file a claim.

1. What Types of Public Projects Are Covered Under Michigan’s Payment Bond Claim Laws?

Michigan’s Little Miller Act applies to public projects involving the construction, alteration, or repair of public buildings or works with a total contract price of $50,000 or more. However, highway projects have slightly different requirements for making a claim against a payment bond.

2. Who is Protected Under Michigan’s Payment Bond Claim Laws?

Any party that furnished labor or materials to the prime contractor or a first-tier subcontractor can make a claim on Michigan’s public payment bond. This includes laborers and those who provide essential utilities such as water, gas, electricity, and equipment. However, the law does not extend protection to suppliers who supply other suppliers or parties lower than the third tier in the payment chain.

3. What is the Deadline for Making a Payment Bond Claim in Michigan?

  • For most public projects, any claimant who didn’t contract directly with the general contractor must file a claim against the payment bond within 90 days from their last day of furnishing labor or materials.
  • On highway projects, claims must be filed within 60 days after the claimant’s last day of furnishing labor or materials.

4. What Information Must Be Included in a Michigan Payment Bond Claim?

To file a claim under MCL §129.207, claimants must include the following information:

  • The amount claimed (with substantial accuracy)
  • The name of the party for whom labor was performed or materials were furnished

While this is the minimum requirement, it’s helpful to provide additional project details, including:

  • Claimant’s contact information
  • Public entity’s information
  • Prime contractor and surety details
  • Hiring party’s contact info
  • Property description
  • Labor and/or materials provided
  • Total amount claimed (with substantial accuracy)

For highway projects, you must also include a statement that you intend to rely upon the bond, identify the project, and provide details of the labor/materials furnished.

5. Who Should Receive a Michigan Payment Bond Claim?

For most public projects, the claim must be sent to both the prime contractor and the government entity commissioning the project.

For highway projects, claims must be submitted in duplicate to the board of officers or agents contracting on behalf of the public entity, often the Michigan Department of Transportation. While not required, sending a copy of the claim to the surety can help expedite payment.

6. How Should a Michigan Payment Bond Claim Be Sent?

Bond claims should be sent by certified mail, with postage prepaid, to the necessary recipient at their business or residence address. Any method of delivery is acceptable as long as the intended parties receive the claim.

7. What is the Deadline to Initiate Suit for a Michigan Bond Claim?

To enforce a claim against a public payment bond, a lawsuit must be initiated at least 90 days after the claimant’s last day of furnishing labor/materials, but no later than one year from the date of the final payment to the prime contractor.

For highway projects, the suit must be initiated within one year of the project’s completion and acceptance.

Construction Bonding Specialists, LLC: Covering All Your Construction Bond Needs and More. Contact us today for your consultation at www.bondingspecialist.com/contact-us.

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At Construction Bonding Specialists, we work with new and experienced contractors to find the most satisfactory bond solutions. As a dedicated surety-bond-only agency with decades of bonding experience, we strive to discover surety solutions for all types of cases, ranging from routine to challenging. Contact us online or call us at 248-349-6227 to learn more.

Written by the Digital Marketing Team at Creative Programs & Systems: https://www.cpsmi.com/.

Tax Saving Opportunities for Manufacturers and Contractors

Despite changing economic conditions and evolving regulations, several tax advantages remain consistent for manufacturers and contractors. Here are five key tax breaks that can help reduce tax liabilities, improve cash flow, and better navigate financial uncertainties.

Cost Segregation Studies

Cost segregation allows businesses to accelerate depreciation on buildings by reclassifying certain components, such as equipment and improvements, into shorter depreciation periods. This strategy can provide substantial savings by allowing businesses to recover costs faster, potentially through bonus depreciation.

Research and Development Tax Credit

The R&D tax credit is available to businesses that develop, design, or improve products, processes, or software—not just those involved in laboratory work. Eligible companies can receive credits against income or payroll taxes by meeting criteria related to technological uncertainty and experimentation.

Fuel Tax Credits

Businesses that use gasoline or diesel in off-highway vehicles can claim the Credit for Federal Tax Paid on Fuels, which helps recoup taxes on fuel not used for highway maintenance. Additionally, businesses that use alternative fuels like biodiesel or propane can take advantage of credits ranging from $0.50 to $1.00 per gallon, with an extended deadline through December 2024.

Employment Tax Credits

Several employment tax credits can benefit manufacturers and construction companies. For example, the Empowerment Zone Employment Credit offers employers up to 20% of wages paid to employees in designated zones. The Work Opportunity Tax Credit provides incentives for hiring individuals facing employment barriers, such as veterans or ex-felons.

State Tax Incentives

Many states offer unique tax incentives that can reduce state liabilities. These may include job creation credits or innovation incentives like R&D tax credits. Manufacturers and contractors should explore state-specific programs, as they can be valuable tools for reducing overall tax burdens, particularly if they are expanding or relocating their business.

By taking advantage of these opportunities, manufacturers and contractors can save money, improve financial stability, and ensure they are optimizing available tax benefits.

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Written by the Digital Marketing Team at Creative Programs & Systems: https://www.cpsmi.com/.