Author: Creative Programs and Systems - page 2

The Role of the Kitchen Island: Enhancing Functionality and Style

Image of a blue kitchen island with a butcher block worktop, sink, and microwave.

The kitchen island has evolved from a simple utility to a multifaceted focal point of the modern kitchen. It serves not just as an additional work surface but as a gathering spot, a dining area, and a storage solution, blending aesthetics with functionality. We explore the diverse roles of the kitchen island and how it can transform your kitchen space.

Central Hub for Cooking and Prep

In a bustling kitchen, particularly with a large family or during entertainment, having additional counter and prep space can be incredibly beneficial. The primary function of a kitchen island is to provide ample space for meal preparation. Equipped with a sink and cutting surface, it can become the main prep area, freeing up other countertops. Some islands also incorporate appliances like dishwashers, sinks, or stovetops, centralizing cooking tasks and improving kitchen workflow.

Gathering and Dining Area

Kitchen islands often double as informal dining areas, especially in homes where space is at a premium. Adding bar stools or chairs transforms the island into a cozy spot for morning coffees, quick meals, or socializing while cooking. This setup encourages interaction between the host and guests, making the kitchen a warm, welcoming space. Opting for a split-level design is another approach, where seating is arranged at a more conventional height. This setup offers extra, comfortable seating options while maintaining a portion of the kitchen island at an optimal height for standing prep work.

Additional Storage Solutions

One of the significant advantages of a kitchen island is the extra storage it offers. Cabinets, drawers, and shelves integrated into the island can house pots, pans, utensils, and even appliances, keeping the kitchen organized and clutter-free. Hanging a rack above the island can introduce additional storage space for pots or frequently used items, a concept borrowed from restaurant designs that has gained popularity in home kitchens. Customizable storage options mean that everything can have its place, tailored to the homeowner’s specific needs.

Statement Piece in Kitchen Design

Beyond functionality, kitchen islands provide an opportunity to make a design statement. Choosing contrasting colors or materials for the island can create a focal point that draws the eye. Incorporating luxurious countertops, unique lighting fixtures, or decorative panels can add personality and style to the kitchen. Furthermore, in open-plan layouts, kitchen islands define the cooking zone from adjacent living or dining areas. They act as both a visual and functional divide, maintaining an open sightline and interaction with those in surrounding spaces.

Versatile Workspaces

Modern kitchen islands are designed with versatility in mind. Some feature tiered surfaces with different heights for cooking, eating, and reading recipes or using a laptop. Others offer an ideal spot for incorporating appliances such as sinks, cooktops, or wine coolers. Kitchen islands often offer built-in charging stations for gadgets, integrating technology seamlessly into the kitchen space, boosting kitchen functionality, and creating a more engaging cooking environment.

Customization for Every Need

The beauty of kitchen islands lies in their customizability. Whether you need a compact, moveable island for a small kitchen or a sprawling workspace with high-end amenities, there’s an island to suit every need and taste. From simple butcher block worktops to sophisticated marble counters with waterfall edges, the options are virtually limitless.

The kitchen island is no longer just an optional extra; for many, it’s become a must-have feature that enhances the kitchen’s functionality, aesthetics, and sociability. As the heart of the home shifts increasingly to the kitchen, the island stands at its center, bridging the gap between culinary workspace and communal gathering spot. Whether you’re planning a kitchen remodel or dreaming up your ideal home, consider how the versatility of a kitchen island can elevate your space.

Are you considering adding or expanding your current kitchen island in your home or business? Contact JFC Remodeling for ideas and an estimate.


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:

Want to own an EV, but you rent? 

Here’s how you can charge.

Owning an EV is more challenging for renters and those without garages, but solutions exist. While most EV owners are homeowners who charge overnight at home, we discuss options for those who share parking in private or public settings. Here’s how you can go electric: 

How to Charge if I Live in a Multi-Unit Dwelling?

Sometimes, landlords or associations discourage EV charging, and it doesn’t help that there is no one-size-fits-all solution for installation. Experts agree that there are a few steps that renters or condo owners can take to access charging. The first is looking up local “right-to-charge” laws, which require homeowners’ associations or landlords to allow residents to install Level 1 or Level 2 charging. Currently, only ten states have “right-to-charge” laws established. For example, in California and Colorado, renters have the right to install charging at their private parking space or, in some cases, in a public area at their apartment building. Florida, Hawaii, and New Jersey have similar but limited laws.

Residents can directly contact their landlords or property owners to advocate installing charging infrastructure. There are online resources of template letters to facilitate this communication, and various charging solutions are available that could enable property managers to profit from selling electricity. Additionally, in more affluent buildings, developers and landlords are increasingly incorporating charging facilities as a perk to draw tenants.

Several EV advocacy groups are working on changing building codes in cities and states so that multifamily homes with parking have to be “EV-ready.” This means that properties will have upgraded electrical panels and conduit running to the parking space, ultimately making it cheaper and easier to install an EV charger.

How to Charge if I Park on the Street?

Drivers residing in single-family homes without a garage or assigned parking face unique charging challenges. Those who park on the street have devised innovative solutions to charge their vehicles.

Drivers using extension cords for EV charging must be cautious of local regulations. However, some cities like D.C., Cambridge, and Seattle permit sidewalk charging with safety measures like visible ramps over cords. While car manufacturers generally advise against using extension cords, if necessary, using thicker 10- or 12-gauge cords is recommended to reduce safety risks. It’s important to note that extension cord charging typically provides only Level 1 charging, the slowest type. However, this can be sufficient for most Americans driving around 30 to 40 miles daily.

Homeowners in some areas can hire electricians to install curbside charging ports, though they should first check local regulations and permit requirements. In EV-friendly cities like Seattle, local governments may subsidize these installations, with programs providing faster curbside charging options for participating residents.

What if I Rely on Public Charging?

When home charging isn’t feasible, many drivers turn to public charging stations, including those at workplaces or fast-charging DC stations that can boost an EV battery from 0 to 80 percent in about 20 minutes. However, relying on public fast charging can quickly become a nuisance for drivers if the charger is broken, if it’s crowded with other drivers, or if a charger is not available in your immediate area. Non-Tesla drivers or those without an adapter to use a Tesla supercharger are limited even more with charging options.

Some apps like Charge EV and PlugShare can help EV drivers find available charging ports.

It’s important to note that public charging is usually more costly than at-home options; however, it generally remains cheaper than filling up with gasoline in most areas. Officials continue to work on creating policies so it’s not cost-prohibitive for people who don’t have a garage to own an EV. This shows that communities all over the US are developing creative solutions, and fast EV charging will become more accessible.

For EV charging solutions for any property type, contact State Electric Company today!


State Electric Company is a leader in the electrification of the nation. Our highly educated and experienced team of professionals uses industry-leading software technology and has partnered with manufacturers to deliver affordable solutions for all your electrical needs. State Electric Co. is also an exclusive distributor of Enel X JuiceBox EV chargers for residential and commercial use. We are fully licensed, insured, and bonded to install charging stations for homes, offices, hotels, and more. With our extensive knowledge of renewable energy, our team provides customers – large or small – with efficient electrical solutions. Contact us today to learn how we can safely and affordably meet your energy needs. 

Written by the digital marketing team at Creative Programs & Systems:

Essential Survival Preparation: Strategies and Tips for the Unexpected

In an increasingly unpredictable world, being prepared for various survival scenarios is not just prudent but necessary. Whether facing natural disasters, unforeseen emergencies, or outdoor adventures gone awry, having a survival plan can make a significant difference. This article delves into the essentials of survival preparation, offering practical strategies and tips to ensure you’re ready for anything.

Understanding Survival Basics

It’s crucial to understand the basic survival needs: shelter, water, food, and safety. Each element plays a vital role in survival, and neglecting any one of them can jeopardize your chances in a critical situation.

Building a Survival Kit

Your survival kit should be compact, lightweight, and contain all the essentials. Key items include:

  • Water purification tools: Such as filters or purification tablets.
  • Non-perishable food: High-energy bars, dried fruits, and nuts are great options.
  • First-aid kit: Stock it with bandages, antiseptic, pain relievers, and specific medications if needed.
  • Multipurpose tools: A Swiss Army knife or a multi-tool can be incredibly handy.
  • Fire-starting materials: Waterproof matches, lighters, and fire starters.
  • Shelter materials: Compact emergency blankets or a small, lightweight tent.
  • Communication devices: A fully charged mobile phone with a portable charger, and perhaps a solar charger.
  • Navigation tools: A physical map and compass, as GPS may not always be available.

Learning Essential Skills

Knowing how to use your survival kit is as important as the kit itself. Skills to master include:

  • Basic first aid: Know how to treat wounds, fractures, and manage basic health care.
  • Fire-making: Learn to start a fire under various conditions.
  • Shelter building: Practice making temporary shelters using natural materials or items from your kit.
  • Water sourcing and purification: Identify fresh water sources and understand how to purify water.
  • Food foraging and preparation: Learn which local plants are edible and how to prepare them.

Staying Informed

Keep up-to-date with local news and weather forecasts, especially if you’re planning an outdoor adventure or in areas prone to natural disasters. Having a battery-powered or hand-crank radio can be invaluable in power outages.

Mental and Physical Preparedness

Survival is as much a mental game as a physical one. Regular exercise, stress management techniques, and a positive mindset can greatly improve your chances in a survival scenario. Practice mindfulness and scenario-based thinking to stay calm and focused.

Networking with Local Survival Groups

Joining a local survival group or participating in survival workshops can provide practical experience and knowledge. It’s also a great way to meet like-minded individuals who can share their experiences and tips.

The Importance of Being Prepared

Survival preparation is about expecting the unexpected and equipping yourself with the knowledge, skills, and tools to face it. While we hope never to be in a dire situation, being prepared can provide peace of mind and, more importantly, a fighting chance to survive and thrive. Start small, build your skills and kit over time, and remember: the best survival tool is a well-prepared mind.

Shop online for your essential tools and gear, clothing, freeze-dried foods, and more from Wolf Survival Gear.


Wolf Survival Gear is a hub for your prepping and survival needs. We are your trusted resource for concerned families, avid hunters, or serious preppers. Make us your one-stop-shop and prepare now, before you need it later.

Written by the digital marketing team at Creative Programs & Systems:

The Unseen Consequences of Road Deicing: How Salt is Impacting Our Waterways

Image of a salt truck on the road deicing it.

As winter envelops many parts of the world, the familiar sight of trucks scattering salt on icy roads becomes a common occurrence. This practice, aimed at ensuring safer driving conditions, uses sodium chloride, a compound similar to table salt, for deicing roadways. While the immediate benefits of this method are clear, its long-term environmental impact, especially on our water systems, is a growing concern.

The Scale of Road Salt Usage

The use of road salt, or sodium chloride, has become an integral part of winter road maintenance in cold climates. According to research from The University of Toledo, approximately 25 million metric tons of this deicing salt are applied annually across various regions. The quantity varies by state but can range from 3 to 18 pounds per square meter, roughly the area of a small kitchen table.

The Dual-Edged Sword of Road Deicing

The primary goal of road deicing is to prevent vehicle accidents during snowy conditions. Indeed, studies show that road deicers can reduce car accidents by over 78%. However, the environmental trade-off of this safety measure is significant, particularly regarding the salinity of freshwater sources.

Rising Salinity in Freshwater Sources

Research titled “Road Salts, Human Safety and the Rising Salinity of Our Fresh Waters” highlights a worrying trend: an increase in the salinity of freshwater bodies due to road salt. This phenomenon leads to the contamination of local drinking water supplies, pushing the salt concentration levels in some local streams to be 20 to 30 times higher than the chronic chloride threshold set by the U.S. Environmental Protection Agency (EPA).

The Ripple Effect on Water Quality

The impact of sodium chloride goes beyond just increasing salinity. It can mobilize harmful chemicals like radon, mercury, and lead, contaminating water supplies. A notable example of this was observed in Flint, Michigan, where excessive road salt use increased chloride levels, resulting in lead contamination from water pipes.

The Inadequacy of Current Safeguards

Current EPA guidelines on salt pollution appear to be insufficient in protecting water supplies. Researchers, including Bill Hintz from The University of Toledo, argue that the impacts of deicing salts can be lethal, even at current threshold levels, and call for a revision of these standards.

Exploring Alternative Solutions to Road Salt

To combat the negative effects of road salt, experts propose several strategies. These include creating covered salt storage facilities to prevent runoff, utilizing anti-icing liquids before storms to reduce salt dependency, and employing more efficient snowplows that conform better to road surfaces. Additionally, there is a call for public awareness and a shift in expectations regarding winter weather management to lessen the ecological footprint.

Balancing Safety and Environmental Health

As we navigate the challenges of maintaining safe roads in winter, it’s crucial to balance human safety with environmental responsibility. Understanding the consequences of road salt on our waterways is the first step toward adopting more sustainable deicing methods. It’s a delicate balance, but one that is essential for the health of our planet and future generations.

If you’re concerned about chemicals in your drinking water, contact Reynolds Water Conditioning today for testing and viable treatment solutions.  

Reynolds Water Conditioning was established in 1931 and is Michigan’s oldest water conditioning treatment company. Still owned and operated by the Reynolds family, we take pride in providing the highest quality products at a cost-effective price. If your tap water lacks the quality you deserve, contact us today at 800-572-9575.

Written by the digital marketing team at Creative Programs & Systems:

Innovative Radiotherapy Method Potentially Halves Treatment Duration for Head and Neck Cancer

A groundbreaking study by the IAEA has found that a new radiotherapy technique for head and neck cancer could significantly shorten treatment times, especially beneficial for low- and middle-income countries (LMICs). This research, the largest of its kind, involved 12 centers across ten LMICs, including Argentina, Brazil, Cuba, India, Indonesia, Pakistan, Philippines, South Africa, Thailand, and Uruguay. The study showed that administering fewer but higher doses of radiation has similar clinical outcomes to standard treatments, potentially halving treatment durations.

This advancement could be a game-changer for LMICs, where head and neck cancer is particularly prevalent, accounting for 76% of global cases and 84% of deaths in 2020. Shorter treatment times mean reduced waitlists, allowing more patients to receive prompt care. This is crucial in LMICs, where challenges like increased demand for radiotherapy, limited resources, and centralized healthcare services in major cities contribute to long waiting periods. Reducing these wait times not only eases patient and family anxiety but also improves survival chances. The findings have been published in the International Journal of Radiation Oncology, Biology, and Physics and align with global initiatives like the IAEA’s Rays of Hope, which aims to bolster cancer treatment capabilities in these countries.

What is Radiation Therapy?

The IAEA’s HYPNO trial, launched in 2010, has introduced a transformative approach to radiotherapy for head and neck cancer, a disease prevalent in low- and middle-income countries (LMICs). Traditional treatment typically spans seven weeks, but prior studies have explored more intense regimens, either increasing the dose over the same period or maintaining the dose but shortening the duration to five to six weeks. These methods proved safe and effective.

Expanding on these findings, the IAEA’s latest research tested an even more intensive method: hypofractionated radiotherapy. This approach administers fewer but higher radiation doses over just four weeks, roughly half the time of standard treatment. In a groundbreaking comparison involving 729 patients, the outcomes and survival rates for those receiving accelerated normo-fractionated and hypofractionated radiotherapy were similar, affirming the latter’s efficacy and safety in a shorter timeframe.

The trial’s influential results, presented by Professor Søren M. Bentzen at the American Society for Therapeutic Radiology and Oncology’s annual meeting, underscore the need for randomized controlled trials in LMICs to establish evidence-based practices. This research exemplifies how international collaboration and the IAEA’s role in connecting global cancer centers can lead to significant advancements in radiation oncology. The HYPNO trial’s success means that radiation oncologists can now treat more patients effectively and efficiently, offering a practical solution to resource limitations in cancer care.

May Abdel-Wahab, Director of the IAEA Division of Human Health, highlighted the trial’s significance in demonstrating the value of funded, multinational research tailored to global cancer needs. This innovation in cancer care, supported by IAEA’s initiatives like Rays of Hope Anchor Centres, is crucial in ensuring that patients worldwide receive timely and high-quality treatment.


For high-quality, user-friendly, low-cost parts support for linear accelerators and radiation equipment, contact RadParts.

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:

Reviewing Contracts in the Construction Sector

As we conclude the year, it’s crucial for those in the construction industry to conduct a thorough review of their contracts, especially for long-term projects. It’s advisable to revisit your contracts to confirm they accurately represent the current state of the project. Any discrepancies should be addressed and documented immediately, rather than waiting for issues to arise.

Key areas for review include the scope of work, ensuring it aligns with the actual construction being undertaken. This includes verifying details, from fixtures to significant additions like a new wing in a building. Changes discussed in meetings should be formally documented in line with the contract’s terms to avoid future disputes.

Pricing adjustments are also essential. For contractors working on a fixed price basis, it’s vital to include any additional scope in the pricing. Owners should adjust payments accordingly if project elements have been removed. For contracts based on actual costs, the end of the year is a good time to align charges with incurred expenses.

Another critical factor is the project schedule. Both owners and contractors should assess whether the project is on track and address any delays appropriately, including documenting reasons and determining responsibility for any schedule slippage.

Administrative aspects, such as updating the contact person for your company in the contract, should not be overlooked. Contractors should also ensure timely submission of any claims as per contractual deadlines to avoid disputes during litigation.

In summary, instead of considering the contract only at the start, end, or during disputes, it is beneficial for both owners and contractors to proactively review and update their contracts throughout the project’s lifecycle to ensure they reflect the ongoing work accurately.

Construction Bonding Specialists, LLC is a distinct surety bond-only agency with decades of bonding experience. We work to discover bond solutions for all types of bond cases, from standard to challenging. Contact us today to learn how we can help you!


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:

Uninvited Pests: Bed Bug Inspection and Discreet Removal

Image of magnifying glass viewing a bed bug on a mattress.

Dealing with unwelcome pests, especially bed bugs, can be a significant source of discomfort and worry. These minuscule, blood-feeding critters are notorious for invading residential and commercial spaces, leading to unease, health issues, and potential financial loss. Immediate action is essential if you’re concerned about a possible bed bug infestation. In this article, we’ll discuss how Northern Pest effectively and discreetly tackles the challenge of identifying and eliminating bed bugs.

Signs of a Bed Bug Infestation

Bed bugs, while adept at concealing themselves, still leave noticeable clues. When checking your space for these pests, keep an eye out for the following signs:

  • Bites: Look for itchy, red bites on your skin, often grouped together or in a straight line, suggesting bed bug activity.
  • Small, Rusty Stains: You might find tiny blood spots on your bedding or mattress, which occur due to bed bugs’ feeding patterns.
  • Eggs and Exoskeletons: Examine the nooks of your mattress, furniture, and even wall crevices for shed skins or small, pearl-like eggs.
  • Unusual, Musty Smell: A significant bed bug infestation is often accompanied by a unique, sweet, musty smell.

Bed Bug Problems: Choose Northern Pest!

Northern Pest is your trusted partner for discreet and expert bed bug extermination. Here’s why we stand out:

  • Professional Expertise: Our technicians are extensively trained in identifying and eliminating bed bugs, guaranteeing a comprehensive and successful extermination process.
  • Confidential Service: We recognize the delicate nature of bed bug issues, and our discreet operations minimize attention to your property.
  • Safe, Eco-Friendly Methods: The treatments we use are not only effective but also safe for your family, pets, and the environment, emphasizing eco-friendly solutions.
  • Comprehensive Follow-Up: Post-treatment, our team conducts meticulous follow-up inspections to confirm the complete removal of bed bugs, ensuring lasting comfort and reassurance.

Exterminating Bed Bugs

Our thorough strategy in exterminating bed bug infestations is proven to work:

  • Inspection: Our team conducts a thorough inspection to gauge the severity of the infestation, which helps us formulate an effective treatment strategy.
  • Treatment: We use a mix of heat and chemical treatments, complemented by specialized tools, to target and eliminate bed bugs at every stage of their lifecycle.
  • Proactive Measures: We offer guidance on preventive practices to help avoid future bed bug problems, including advice on keeping your environment bed bug free.

Bed bugs have the potential to rapidly transform your residential or commercial space into a place of discomfort and anxiety. Prompt action is crucial in addressing a bed bug infestation. Northern Pest’s specialists are equipped to assist you in detecting and eradicating bed bugs, restoring tranquility and safeguarding the well-being of your family or patrons.

Don’t let bed bugs overrun your home or business – contact Northern Pest to regain control today!


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:

The Difference Between Bus Duct and Busbar

Busbars refer to metallic bars or strips which carry electrical current within electrical switchgear. These busbars are incorporated into bus ducts, a type of sheet metal duct that houses a sequence of busbars. Bus ducts offer an efficient and adaptable alternative to conventional conduits for electrical installations, simplifying the process of installation and modification.

Bus ducts are commonly used in environments where the busbars might be susceptible to damage or exposed to weather conditions. A standard bus duct system includes multiple copper or aluminum conductors, known as ‘buses’, arranged parallelly and connected to a power source.

What is Busbar Used For?

Busbars, available in several forms with distinct advantages and some limitations, are primarily used for electrical load carrying and heat dissipation. The most prevalent type is the solid busbar, which is the most cost-effective and made from a single piece of metal like copper or aluminum. In the United States, copper busbars are preferred, while aluminum is commonly used elsewhere. These busbars connect different components in electrical panels and switchgear. Due to their copper or aluminum construction, they are highly conductive and offer better resistance to corrosion.

Busbars find applications in various settings across numerous industries, including roles in:

  • Electrical switchgear
  • Power distribution systems
  • Motor control centers
  • Battery banks
  • Solar panels
  • Wind turbines

What is Bus Duct Used For?

Bus ducts are used primarily for the efficient distribution of electrical power in various settings, particularly in industrial and commercial buildings. Bus duct provides a high degree of electrical efficiency for both low- and high-amperage conditions. It’s also incredibly versatile, thanks to advancements such as elbows and offsets. These developments allow bus duct to adapt to directional changes.

Bus ducts are widely used in a variety of industries due to their efficiency in distributing electrical power, especially in large-scale facilities or where power requirements are substantial. Some of the key industries that commonly use bus ducts include:

  • Manufacturing and Industrial Plants
  • Data Centers
  • Commercial Buildings
  • Healthcare Facilities
  • Educational Institutions
  • Energy Sector
  • Entertainment and Sports Venues
  • Transportation Hubs

Why is Bus Duct Important for Conducting Electrical Power?

The significance of bus ducts in conducting electrical power lies in several key aspects:

  • Reliability: Bus ducts ensure a steady and dependable power supply to electrical devices and systems, minimizing the likelihood of power disruptions and equipment malfunctions.
  • Safety: The metal enclosure of bus ducts safeguards electrical connections and cables from damage. It also helps prevent accidental electrical contact, enhancing safety for both individuals and equipment.
  • Ease of Maintenance: Designed for straightforward access, bus ducts facilitate quick repairs and component replacements, thereby reducing downtime and maintenance expenses.
  • Space Efficiency: Compared to conventional cable trays, bus ducts occupy less space, making them suitable for areas with limited room.
  • Flexibility: Bus ducts offer the convenience of being easily modified or extended to meet changes in electrical system requirements, thereby providing a versatile solution for various building types and equipment.
  • Energy Efficiency: Bus ducts enable more effective power distribution control, which can prevent circuit overloads and lower energy consumption.

Looking for bus duct or other heavy electrical parts/equipment? We have a large 50,000 sq. feet facility with experienced and motivated staff; if we don’t have the product you are looking for, we’ll find it. When you want quality equipment at a reasonable price – fast, call J&P Electrical and we’ll get it done!


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:

New Year, New Solutions:

Elevating Your Business Computer Systems and Software to the Next Level!

As we enter 2024, we want to extend our warmest wishes to you for a prosperous and innovative year.  New Year’s resolutions aren’t just for personal growth; they apply to businesses too! We believe it’s the perfect time to rejuvenate your business computer systems and software to drive success in the coming year.

A resolution can be a powerful catalyst for positive change in your company, and CPS is honored to help!

Streamlined Efficiency: Start the year with improved productivity and streamlined operations. Our tailored solutions are designed to optimize your business processes, reducing bottlenecks and enhancing efficiency.

Cutting-edge Software: Upgrade your software arsenal with the latest tools and technologies. Stay ahead of the competition by harnessing the power of innovative software solutions tailored to your specific needs.

Enhanced Security: Protect your business from cyber threats with state-of-the-art security measures. Our experts will ensure your data remains safe and your systems are fortified against potential breaches.

Expert Support: Don’t navigate the digital landscape alone. Our team of expert technicians is ready to assist you with implementation, maintenance, and troubleshooting whenever you need it.

Cost-effectiveness: We understand the importance of budget-conscious decisions. Our solutions are not only effective but also designed to provide maximum value, ensuring your investments yield significant returns.

CPS proudly services all your business computer needs, from IT support to custom programming and software applications, website design, online marketing, and more. Explore our range of services and learn how we can help your company reach new heights. 

IT Services

  • Computer Consulting
  • Computer Repair
  • Computer/Server Building
  • Data Recovery & Backup
  • Network Wiring & Infrastructure
  • Virus Removal & Anti-Virus Installation
  • Managed IT (break and fix, full, remote, anti-virus & system health monitoring)

Software Development

  • Business Phone Apps (manage data in the field, real-time sync)
  • Barcode Apps (scan, sync, and print barcodes)
  • CRMs (large software to handle leads, sales, products/packages, and tons more!)
  • Inventory Management (manage supply and demand of your products)
  • Programming (update/enhance, integration, compliance, etc.)
  • Websites & Design (E-commerce, custom admin portal)

Digital Marketing

  • Search Engine Placement (enhancement)
  • Social Media Marketing (account set up, posting)
  • Paid Ad’s, including Hiring Ad’s (Google, Bing, Facebook, Instagram, LinkedIn, Reddit)
  • Graphic Design (logos, marketing materials, website)
  • Web Analytics
  • E-mail Marketing
  • Content Writing

Contact us today to schedule a consultation. We’ll work closely with you to identify your business’s unique needs and develop a tailored plan to achieve your goals. Here’s to a year filled with growth, prosperity, and success!🚀

Not sure where to start? We’re here to help guide you!

Schedule a Consultation

Founded in 1994, Creative Programs and Systems delivers professional results for all your computer needs. We design, create, and code various custom software programs and websites. Additionally, we offer superior digital marketing services, including enhanced Search Engine Optimization (SEO) and paid advertising. We also repair and support commercial computer infrastructure, build custom systems and servers, and provide secure data backups. Need assistance or want to learn more? Call (810)224-5252 or email us!

Written by the digital marketing team at Creative Programs & Systems:

Unlock Real Estate Investment Opportunities with DSCR Loans

With careful planning and a strategic approach, DSCR loans can pave the way for a prosperous and sustainable venture into the world of real estate investment. Read on to learn more about Debt Service Coverage Ratio (DSCR) loans.

Navigating Cash Flow Concerns in Real Estate Investments

Investing in real estate can be both exciting and daunting, especially when considering the financial implications. Traditional mortgage products often require a detailed history of personal income, which can be a significant hurdle for investors who may not have a steady income stream but possess substantial investment potential. This is where DSCR loans come into play, offering a unique solution for aspiring real estate investors concerned about cash flow issues.

Understanding DSCR Loans: A Key to Real Estate Investment

DSCR loans are designed specifically for investment properties and focus on the cash flow generated by the property itself, rather than the investor’s personal income. The key metric here is the DSCR, a ratio that compares the property’s annual rental income to the annual mortgage debt service (including principal, interest, taxes, insurance, and homeowner association fees, if applicable). A DSCR of 1 means the property’s income covers all its annual debt, while a higher ratio indicates a surplus. Lenders typically look for a DSCR of 1.25 or more, providing a cushion against potential vacancies or unexpected expenses.

The Advantages of DSCR Loans for Real Estate Investors

DSCR loans offer several advantages. First, they allow investors to qualify based on the property’s income potential, bypassing the traditional income verification process. This is particularly beneficial for self-employed individuals or those with variable incomes. Additionally, these loans often come with the option for interest-only payments, further easing the initial cash flow burden. This flexibility can enable investors to scale their portfolios more rapidly.

Making an Informed Decision: Is a DSCR Loan Right for You?

While DSCR loans offer a path to investment for those concerned about cash flow, it’s essential to approach them with a clear understanding of the risks and benefits. These loans might carry higher interest rates than traditional mortgages, reflecting the lender’s increased risk. Additionally, investors should have a solid plan for managing the property, ensuring it generates sufficient rental income to cover the loan and other expenses.

For those looking to dive into real estate investment but worried about cash flow constraints, DSCR loans can be a game-changer. By focusing on the income-generating potential of the property rather than the investor’s personal income, these loans open doors to investment opportunities that might otherwise be inaccessible. With thoughtful preparation and a tactical approach, DSCR loans can lay the foundation for a successful and enduring journey in real estate investment.

Looking for a mortgage solution that fits your needs; contact or call (616) 228-8797 EB Mortgage today!

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! 

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