Thursday, September 6, 2012

when you replace a roof- decisions need to be made

Decisions When Replacing a Roof

 
The National Roofing Contractors Association says if you’ve already fixed a few leaks and replaced missing shingles in recent years, it’s probably time to put on a new roof. If the shingles are bare, curling, cracking or mossy, start now.
Get estimates, check references
Since you’ll be spending $5,000 to $10,000 or more, be sure to hire the right person or company. Get three estimates and check references.
Have the roofer agree to remove only as much roofing at one time as he can replace during that day.
What about tear-off?
If you already have two or three layers of old roofing, building codes require you to strip them off, adding $1,000 or more to the job. If a single layer has been on the roof for many years, it can be worth what it costs to remove it so the roofer can repair decking and worn flashing.
A rubber membrane called ice and water shield can be installed to prevent leaks when gutters freeze up.
Rent a dumpster
Unless you want the labor and expense of covering the entire area around your home with tarps and plywood, you’ll need a roll-off dumpster. As a rule of thumb, 8-10 squares of shingles weigh about 1 ton. Shingles from a single residential roof will fit in a 10 cubic yard roll-off dumpster.
As the roofer tears off shingles, the old decking and nails, they all go to a dumpster beside the house.
Selecting shingles
You’ll pay more for 50-year shingles than for 25-year, but they last longer. Architectural shingles cost a little more, but they add beauty to any building, say advisors at Money magazine.

Food Gal yummo


09.06.12
 
 
 
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17th Annual Ghirardelli Chocolate Festival

chocolate
 
It's a total chocolate weekend in store, noon to 5 p.m. Sept. 8-9, when the 17th Annual Ghirardelli Chocolate Festival rolls into San Francisco's Ghirardelli Square.
 
Take part in an ice cream eating contest, in which contestants will have to down a famous Ghirardelli "Earthquake Sundae." Join the chocolate scavenger hunt. Watch chef demonstrations. And enjoy the first ever festival bake-off with treats made from Ghirardelli products.
 
The chocolate extravaganza is a benefit for Project Open Hand, which provides meals to those who are homebound.  
 
Last year, $63,000 was raised.
 
Tickets are $20 each, which will get you 15 samples.
 
Click here for more fun things to do, including the Second Annual Chefs of Compassion: Cooking for a Cause on Sept. 14 at West Valley Community Services in Los Gatos.
 
 
 
 
Tabouleh with a Twist
 
tabouleh
 
In summer, I can practically live on tabouleh, that Middle Eastern bulgar salad tossed with copious amounts of parsley, mint, oregano, onion, lemon juice and tomatoes.
 
But even when playing favorites, you sometimes need to mix it up a little for a change of pace.
 
Such was the case when I spotted this recipe for "Tabouleh with Quinoa, Corn, Scallion and Goat Cheese" in the cookbook, "Home Made" (Stewart, Tabori & Chang), of which I received a review copy.
 
Click here for the recipe and my cooking notes.
 
Here's another recipe for late summer produce, this time it's for nectarines.
 
 
 

 

 For more musings on food, wine, life and laughter, go to www.foodgal.com. 
 

Monday, September 3, 2012

7 deadly sins committed by startups- techcrunch story helps us all

The 7 Deadly Sales Sins Committed By Startups

Saturday, September 1st, 2012
elastic_7deadlysins
elastic_7deadlysins
Editor’s note: Steli is the Co-Founder / Chief Hustler of ElasticSales and an advisor to several startups and entrepreneurs. You can follow Steli on Twitter here.
At ElasticSales, we’ve had the honor to create and run sales campaigns for some of the hottest Silicon Valley startups today. We’ve also consulted with dozens more each week to learn the challenges their sales team face. We realize we can’t work with every startup just yet, but we have seen the same, avoidable mistakes made by many young companies as they conduct their sales campaigns.
Below are “7 Deadly Sales Sins” committed by many startups today. Some of these may sound familiar to you, but by identifying and address these mistakes, you will help your company succeed.
1. Not Understanding Your Customer: Many startups make generalizations as to what their customers want. There may be a specific market for your product or service, but each customer’s challenges are going to be different. I’ve seen founders conduct poor research into their prospective customer before pitching them, and then fail to ask those customers specific questions in regards to their unique needs and pain-points. Instead, they’ll talk on and on about how great their product is and its 10 unique features. Founders need passion for their idea, but not at the expense of taking the time to understand your customers and asking the right questions.
2. Not Selling: Most startups explain all the bells and whistles of their product, but fail to sell the core solution to their customer’s problem. To do that, you need to ask the customer questions to understand what they really need. A prospective customer needs to be sold on the 2-3 benefits your product provides to them, rather than the 100 features you’re planning to build into the product in the future.
3. Not Showing Up: Most founders don’t go out into the market to pitch real people and close actual customers. As a result, they miss out on two key experiences crucial to a young company. First, the founders miss the opportunity to connect directly with their earliest customers and develop long-term relationships. Second, they miss direct customer feedback, which often provides the best recommendations to improve a young company’s product or service.
4. Not Following Up: Most startups pitch once and never follow up again. Maybe they follow up once or twice, but not relentlessly. Startup founders are not shameless enough. They worry too much about intruding on the prospect’s time or being too persistent out of fear of losing the sale. If you lose a prospective customer because you followed up too much, then they weren’t going to close anyways. I’m not advocating calling someone every few minutes, until they rip their phone line out of the wall; but giving up on a prospect won’t lead to a new customer. Keep up with them until they come to a decision, either a “yes” or a “no.” Everything else doesn’t count.
5. No Process in Place: Startups love to optimize their UI/UX but not their sales funnel. Most don’t even have a sales funnel to optimize. Startups today have access to a vast amount of data but often fail to track some basic metrics for their sales funnel; calls/emails, connections to decision makers, qualified leads, closed deals/deal value and time to close.
6. Not the Right Price: Founders often think the cheaper their service the better. While a low price tag does lower the barrier to entry for your customers, it can also dilute the value of your product. If your email or website plugin provides massive value for your customers, why is it the same monthly subscription price as Netflix? When you have a viral product that gets massive traction online, you can have a low price. When you need sales people to sell your product or enterprise customers, you need to consider if your product is priced appropriately to sustain your business. Ultimately, startups need to charge their customers what their product is worth and sell them on its value, not its price tag.
7. Not Asking for the Sale: Sometimes simply asking for the sale makes the process move forward in the direction that you want. After all of the phone calls, demos, and follow up, some founders are still afraid to ask for a customer’s business out of fear of losing the sale. If you spent so long cultivating your relationship with the customer, wouldn’t it be easy to close your new best friend?
Some entrepreneurs start their business out of love for art or fashion, some for science and technology. At the end of the day, every entrepreneur needs to be a successful salesperson to pitch their product or service to make their vision a reality. The great thing about the mistakes above is that they are all addressable. Once they’ve been identified in your startup, sales won’t be a barrier to your company’s success.

Saturday, September 1, 2012

Homwoners insurance perils

The Perils Homeowner’s Insurance Won’t Cover

 


If your house burns down, the insurance company will pay. Ditto if a tornado blows it away.
Some homeowners have been surprised to discover that their homeowner’s insurance does not cover flood damage. or damage from earthquakes and landslides.
Other common exclusions include damage from mold, broken pipes due to lack of routine maintenance, and sewage backups.
If you live in a high-risk area for floods, your mortgage company will require you to carry flood insurance. Even if the risk is fairly small, flood insurance is a good idea, though it can cost $1,700 a year or more on a $150,000 building and $50,000 in coverage for contents.
Consider what problems place your home at the greatest risk and beef up coverage by adding endorsements, say experts at thisoldhouse.com.

I will use this receipe

Recipe: Mustards Grill Three-Cheese Mac & Cheese

A buttery version of the weeknight special based on the classic from Napa Valley’s famous restaurateur Cindy Pawlcyn.


Macaroni and cheese from Mustards Grill in Yountville, California, image
The chef at Mustards Grill regularly changes the pasta and cheeses in his version, but the classic uses penne and Gruyère.

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Three-Cheese Mac & Cheese, Mustards Grill, Yountville, Calif.
Chef Cindy Pawlcyn grew up enduring Minnesota's frigid winters and fondly remembers taking a pan of macaroni and cheese out of the oven, wrapping it tightly in foil, then trudging into the nearby woods to devour it with her dad. “It was 20 below and you could hardly move your arms,” she says. “But the dish retained its heat and was so good to eat.”
Is it any wonder that mac and cheese has a place of honor on her menu at Mustards Grill on the edge of Yountville in California’s Napa Valley (707-944-2424, mustardsgrill.com)? Indeed, it became a staple side dish—and the best-selling one—a few years ago. Diners go through as many as 45 orders a day, even during the balmy summer.
“Everyone relates it to childhood memories,” says Executive Chef Dale Ray. “You take a bite and you instantly go there.”
Mustards’ version gives Ray a chance to showcase California cheeses. Throughout the year, he’ll switch up the cheeses and pasta. Most of the time the pasta is penne, but now and then it’ll be rigatoni or orecchiette. Gruyère is a staple, but goat cheese has proved a real crowd pleaser. His newest interpretation incorporates Point Reyes Farmstead Cheese Company’s Toma, a cow’s-milk cheese with a buttery texture and a grassy tang.
Sometimes, however, the dish is made with a mix of white cheddar, Gruyère, and Parmesan. It also incorporates a classic béchamel sauce for richness. Sure, making mac and cheese from scratch takes more time than just opening up the familiar blue box. But the creamy, dreamy results speak for themselves.
Want to suggest a recipe that VIA could track down from a restaurant in the West? Email us at viamail@viamagazine.com.
Mustards Grill's Three-Cheese Mac & Cheese
Serves 4 to 6 as a side dish
Adapted with permission from the recipe by chefs Cindy Pawlcyn and Dale Ray of Mustards Grill
Béchamel sauce:
1 1/4 cups whole milk
2 tablespoons unsalted butter
2 tablespoons all-purpose flour
1/8 teaspoon salt
1/8 teaspoon ground nutmeg
Pinch of cayenne pepper
Rest of the dish:
1 cup heavy cream
3/4 cup béchamel sauce
3/4 pound penne pasta
1/2 cup grated white cheddar cheese
1/2 cup grated Gruyère cheese
1/2 cup grated Parmesan
Butter for greasing the dish
1/4 cup dry bread crumbs
Snipped chives or chopped fresh parsley leaves, for garnish
To make the béchamel:
1. In a medium saucepan over medium heat, bring the milk to a gentle simmer just below the boiling point.
2. In another medium saucepan over medium heat, melt the butter. Add the flour and stir for a couple of minutes until the raw flour smell dissipates. Do not let the mixture color; it should stay pale looking.
3. Whisk the flour-and-butter mixture into the scalded milk, allowing it to cook until thickened, about 10 minutes.
4. Season the sauce with salt, nutmeg, and cayenne, then strain it through a fine sieve to remove any lumps. Measure out 3/4 cup of the sauce and return it to the pan.
To assemble the dish:
1. Add the heavy cream to the saucepan of béchamel, and heat the mixture over medium heat until warmed through.
2. Preheat oven to 400°F.
3. Cook the penne in a large pot of salted water over high heat until it is just a little firmer than al dente, about 10 minutes. Drain the pasta and add it to the pot of béchamel-cream. Add the cheddar and Gruyère, and mix well. Taste the seasonings and adjust if necessary.
4. Butter a gratin dish. Add the pasta to the dish. Sprinkle the top with the Parmesan and bread crumbs.
5. Bake for about 20 minutes or until browned and bubbly. Garnish with snipped chives or chopped fresh parsley.

Photograph by Dustin Garibaldi, courtesy of Mustards Grill
This article was first published in April 2012. Some facts may have aged gracelessly. Please call ahead to verify information.

carolyn Jung strikes again I am going tonight!

Portola Valley Welcomes the Portola Kitchen

How about a decadent Belgium waffle for dessert? At Portola Kitchen, you can so indulge.
You gotta love a restaurant that offers you a perfectly crisp and light Belgium waffle with Nutella sauce — at the end of dinner.
That’s one of the joys of the new Portola Kitchen, which opened last month up in the tree-lined hills of Portola Valley.
It’s in the old Mike’s Cafe building in the Ladera Shopping Center, a little oasis of eating and shopping, where you’ll also find the wonderful Bianchi’s Market, an Old Port Lobster Shack, and the well-stocked Ladera Garden Center.
The restaurant space has been given a total redo with a rustic, warm vibe. Banquette dividers are constructed of unfinished wood. The bare wood tables, fashioned from old barn siding, still have grooves and knots in them to add character. Even the soaring beamed ceiling is reminiscent of an old barn. There’s a long bar with TVs, an open kitchen, and seating outside to take advantage of the temperate summer evenings.
Chef Guillaume Bienaime is the latest in a long line of fine-dining chefs to go more casual these days. He last headed the kitchen at the well-regarded, white-tablecloth Marche in Menlo Park.
Chef-Owner Guillaume Bienaime in the open kitchen.
Gotta have a snazzy meat slicer, right?
A plate of food ready to be served. The bar is in the background.
At Portola Kitchen, he creates a menu friendly on the pocket and a variety of appetites. All the pastas are made in-house, as is the sausage. The wine list is half Californian and half Italian. There also are wines on tap to enjoy by the glass.
Earlier this month, I was invited in as a guest to try the food.
Tombo tuna crudo ($11) gets a playful treatment with the slices of raw fish accompanied by tonnato, the creamy, mayonnaise sauce that traditionally accompanies chilled sliced veal in the classic dish of vitello tonnato. The tiniest Padron peppers added a grassy note.
Tuna crudo in a creamy sauce.
Batons of watermelon ($11) are served icy cold with fennel, red onion, lemon and shards of ricotta salata. The sweetness of the watermelon is a sharp contrast to the bitter baby arugula. It’s a dish that makes you want summer to go on forever.
A bright watermelon salad that's a delight.
A slice of speck and argula pizza.
Juicy sausages and polenta.
Arugula appears again on the speck pizza ($14) with dabs of thyme crema and strands of wake-me-up pickled red onions. The crust had nice crisp edges, marred only by too much flour dusted on the underside of it, which left a raw flour taste with each bite.
Chicken rosemary sausage ($16) is total comfort. Made in-house, the sausages are super juicy and well seasoned. You can soak up every last drop of that juice, too, with the bed of creamy polenta underneath drizzled with a bright salsa verde.
Pastas are not to be missed. Torchio ($12) are big, fat curlicue spirals of pasta in a hearty lamb ragu, seasoned with tomato, mint, black olives and saffron. It’s like digging into the Mediterranean.
House-made pasta.
...And served with lamb ragu.
Ricotta-filled agnolotti with mushrooms and corn.
Agnolotti ($13) are hand-filled with fluffy ricotta, then tossed with perfect half-moons of gamboni mushrooms, a variety of porcini from Mendocino County, with a soft, fleshy cap. Sweet corn kernels, and a bit of lemon and chervil complete this delicate yet earthy dish.
If you’re weary of those dainty, four-bite desserts at so many places these days, you’re bound to welcome the substantial ones here. Each one is definitely enough to share.
You’ve already heard me rhapsodize about the Belgium waffle ($7). Oh yes, there’s Nutella sauce. And there’s banana marmalade and even a scoop of vanilla semifreddo over it all. Dig in with abandon.
An adorable panna cotta.
Panna cotta is served in a cute mason jar with an apricot compote layered over the top. It’s sweet with just enough tart, and a good dose of vanilla added.
Before opening, Bienaime said he wanted to create a place that wasn’t stuffy or complicated, a restaurant that folks could come to on a regular basis, and not just for an occasion. I’d say his goals have been more than met.

More: Guillaume Bienaime Creates His Own Tomato

And: A Visit to Cuisinett in San Carlos, on Which Guillaume Bienaime Consulted

And: A Visit to LB Steak in Menlo Park, Which Replaced Marche Restaurant

Friday, August 31, 2012

weeks update plus roof talk read more

Decisions When Replacing a Roof


The National Roofing Contractors Association says if you’ve already fixed a few leaks and replaced missing shingles in recent years, it’s probably time to put on a new roof. If the shingles are bare, curling, cracking or mossy, start now.
Get estimates, check references
Since you’ll be spending $5,000 to $10,000 or more, be sure to hire the right person or company. Get three estimates and check references.
Have the roofer agree to remove only as much roofing at one time as he can replace during that day.
What about tear-off?
If you already have two or three layers of old roofing, building codes require you to strip them off, adding $1,000 or more to the job. If a single layer has been on the roof for many years, it can be worth what it costs to remove it so the roofer can repair decking and worn flashing.
A rubber membrane called ice and water shield can be installed to prevent leaks when gutters freeze up.
Rent a dumpster
Unless you want the labor and expense of covering the entire area around your home with tarps and plywood, you’ll need a roll-off dumpster. As a rule of thumb, 8-10 squares of shingles weigh about 1 ton. Shingles from a single residential roof will fit in a 10 cubic yard roll-off dumpster.
As the roofer tears off shingles, the old decking and nails, they all go to a dumpster beside the house.
Selecting shingles
You’ll pay more for 50-year shingles than for 25-year, but they last longer. Architectural shingles cost a little more, but they add beauty to any building, say advisors at Money magazine.

This Week’s Market Commentary

by admin on August 27, 2012
This week brings us the release of six economic reports that may affect mortgage rates along with two Treasury auctions and a Fed conference that has several key speakers. There is nothing of relevance scheduled for tomorrow, so look for the stock markets to drive bond trading and mortgage rates tomorrow. With data and related events scheduled every other day of the week, it is likely to be an active one for mortgage rates.
The Conference Board will post their Consumer Confidence Index (CCI) for August late Tuesday morning. This index measures consumer sentiment about their personal financial situations, giving us a measurement of consumer willingness to spend. If consumers are feeling more confident in their own finances, they are more apt to make a large purchase in the near future, fueling economic growth. A decline in confidence would indicate that surveyed consumers probably will not be buying something big in the immediate future. That would be a sign of economic weakness and should drive bond prices higher, leading to lower mortgage rates Tuesday. It is expected to show a reading of 65.5, which would be a slight decline from July’s 65.9. The lower the reading, the better the news for bonds and mortgage rates.
Wednesday has two reports scheduled that can potentially influence mortgage pricing. The first is the first revision to the 2nd Quarter Gross Domestic Product (GDP) at 8:30 AM ET. The GDP is the total of all goods and services produced in the U.S. and is considered to be the best measurement of economic activity. This reading is the second of three that we see each quarter. Last month’s preliminary reading revealed that the economy grew at an annual rate of 1.5%. Wednesday’s revision is expected to show that the GDP actually rose only 1.6%. A smaller than expected reading should help lower mortgage rates Wednesday, especially if the inflation portion of the release does not get revised higher. There will be a final revision issued next month, but it probably will have little impact on mortgage rates since traders will be more interested in the current quarter’s activity.
The Federal Reserve will release its Beige Book report at 2:00 PM ET Wednesday. This report details current economic conditions in the U.S. by Federal Reserve regions. It is believed to be a key source of data when the Fed meets for their FOMC meetings and is usually released approximately two weeks prior to each meeting. If it reveals any significant surprises or changes from the past, we may see movement in the markets and mortgage pricing as analysts adjust their theories on the Fed’s next move. Most likely though, it will be a non-event and will not lead to a noticeable change in mortgage rates.
July’s Personal Income and Outlays report will be released early Thursday morning, giving us a measurement of consumer ability to spend and current spending habits. It is expected to show an increase of 0.3% in income and a 0.5% increase in spending. Since consumer spending makes up over two-thirds of the U.S. economy, weaker than expected numbers would be considered good news for the bond market and mortgage rates.
Friday is a multi-release day with August’s revision to the University of Michigan’s Index of Consumer Sentiment and last month’s Factory Orders data both being posted late Friday morning. The sentiment index helps us track consumer willingness to spend similarly to Tuesday’s CCI. It is expected to show no change from August’s preliminary reading of 73.6. If it revises lower, consumers were less confident about their personal financial situations than previously thought. This would be good news for the bond market and mortgage rates because waning confidence usually means that consumers are less likely to make large purchases in the near future. As with the CCI index, the lower the reading the better the news for bonds and mortgage rates.
July’s Factory Orders data measures manufacturing sector strength and is similar to last week’s Durable Goods Orders, but includes orders for both durable and non-durable goods. It is expected to show a 2.0% increase in new orders. A smaller than expected rise would be favorable for bonds, but I don’t see this data causing much movement in rates unless its results vary greatly from forecasts since the big-ticket products portion of the report was released last week.
Also worth mentioning are a couple of Treasury auctions that may affect bond trading and mortgage rates this week along with a speaking engagement by Fed Chairman Bernanke. The two relevant Treasure auctions are Wednesday’s 5-year Note and Thursday’s 7-year Note sales. Results of the auctions will be posted at 1:00 PM ET each day. If investor interest is strong in the auctions, we can expect the broader bond market to rally and mortgage rates to move lower. However, lackluster demand could lead to bond selling and higher mortgage rates Wednesday and Thursday afternoons.
Mr. Bernanke will be speaking Friday morning at the Jackson Hole Fed conference in Wyoming. He will be addressing current and future economic conditions, so his words are likely to influence the markets and mortgage pricing Friday. Also scheduled to speak are the European Central Bank and International Monetary Fund Presidents. What they will say and how it will impact the markets is difficult to predict, but there is a high probability of the markets reacting heavily to their words, so the event needs to be watched.
Overall, I believe it is going to be a fairly active week for the financial and mortgage markets. The calmest day will likely be tomorrow, but choosing the best candidate for the most important day isn’t as easy. Wednesday has two economic reports scheduled along with the 5-year Note auction, but Friday’s Jackson Hole conference can be a market mover by itself without the two economic reports that are scheduled that day. So, let’s go with Wednesday AND Friday as the key days of the week. Since it looks to be another active week, I strongly recommend maintaining contact with your mortgage professional if still floating an interest rate.