Composition Shingles Composition (asphalt shingles)

 roofing-2Nowadays the most popular choice material for roof shingles is the composition roof shingle, especially if you can’t afford a investment grade permanent roofing system such as aluminum. Higher-quality versions made from asphalt or fiberglass shingles offer a more durable option and may be available with recycled content. The advantage of these roof shingles is that they are quite pocket friendly. Apart from this, they are also available in a wide variety of styles and colors and thus you have a lot of options to choose from. They are relatively easy to install, and in some applications can be nailed in place over an existing roof. They require low maintenance and can be walked on without damaging the material. Most brands offer Class A fire protection. In other word, composition shingles have excellent fire resistant properties.

They come in two types – organic, and non-organic, which is fiberglass. They follow strict guidelines for manufacture. They come in a variety of colors and durability. They are seen on homes in every part of the country. Most contractors who specialize in winnipeg roofing use them The biggest downfall of this shingle is its vulnerability to wind and ice damage.

Organic shingles are generally paper (felt) saturated with asphalt to make it waterproof, then a top coating of adhesive asphalt is applied and ceramic granules are then embedded is generally 2 to 3 feet long. It is made of substances like tar, thick felt, crushed rock and other suitable materials all formed together into a single section. Organic shingles contain around 40% more asphalt per square (100 sq ft.) than fiberglass shingles which makes them weigh more and gives them excellent durability and blow-off resistance.

Fiberglass shingles have a base layer of glass fiber reinforcing mat. The glass fiber mat is not waterproof by itself. Fiberglass mat is made from wet, random-laid fiberglass bonded with urea-formaldehyde resin. The mat is then coated with asphalt which contains mineral fillers and makes the fiberglass shingle waterproof. Fiberglass reinforcement was devised as the replacement for asbestos paper reinforcement of roofing shingles and typically ranges from 1.8 to 2.3 pounds/square foot. A newer design of fiberglass asphalt shingle, called laminated or architectural, uses two distinct layers which are bonded together. Laminate shingles are heavier, more expensive, and arguably more durable than traditional shingle designs. Laminated shingles also give a more varied, contoured visual effect to a roof surface.

Below is a list of some of the advantages and disadvantages of Composition (asphalt shingles): Advantages:

* Can be used on any house from contemporary to historic.
* inexpensive.
* ranges from low-cost 3-tab shingle to architectural shingles with extra durability and style.
* many colors, types, and manufacturers.
* suitable for most residential applications.
* easy to repair * fire resistant Disadvantages:

* relatively short life-span (10–20 years in a non hail environment).
* scars easily when hot * subject to mildew and moss and algae.
*Prorated warranties that exclude everything but shingles.
*Shingle protection period of only 3 to 5 years.
*Damages when walked on.

* environmentally unfriendly (takes over 50 years to decompose in a landfill.)

To prolong the life of your roof, use a roofing material that will better resist hail damage. Breakthroughs in technology and standardized testing are contributing new materials expected to more effectively resist hail damage. It wasn’t until 1996 that a testing standard (UL 2218) was developed to grade the impact resistance of roofing materials. A Class IV, impact resistant composition roof, the highest level achievable, can save a homeowner up to 35% on their homeowners policy. Clearly, if impact-resistant roofs become widespread, everyone could benefit. Homeowners not only save money through the discounts, but they also reduce the hassle of recovering from storm damage. For many homeowners when its time to replace that old roof, the best answer is a 50 year Class IV roof combined with ThermaDeck. This unique combination can add up to savings of 30% off homeowners insurance and up to 50% off monthly energy bills.Contact UsIt is quick and easy! Simply click the quick contact button to the right to fill out our contact form and one of our representatives will get in touch with you. Be sure and fill out the comments section with any questions you may have.


5 Useful Tax Credits For Small Businesses

Small business is the backbone of the American economy and, up until recently, it has suffered from globalization and large-scale businesses with prices so low they cannot compete. However, as our economy has taken a tumble, we are, on a national level, beginning to understand again the importance of small business.

There are tons of new and not-so-new tax credits in place that all small business owners should know about as they are means by which to make running your business far less expensive. There are really tons of different tax credits and other breaks out there for small businesses.

What follows is just a list of some of the most useful that will provide the most savings come tax time. Reduce Your Taxes by Insuring Your Family Those who are self-employed must already pay full income and Social Security tax on all their earnings.

They are also responsible for providing for them and their family’s own health care costs. A new tax credit is designed for those who are self-employed and pay full insurance premiums for themselves and/or their family.

This new tax credit allows reducing their taxable income by the total amount paid annually in premiums. Work Opportunity Tax Credit Though this is not a new credit, it is important for the strengthening of communities and many may not know about it.

There are many populations out there, from at-risk young adults to veterans that cannot find jobs or face certain roadblocks to employment. These roadblocks in no way mean that these are unsuitable employees. The Work Opportunity Tax credit allows one to reduce their taxable income through the hiring of these individuals.

Spread out Debt Cancellation Costs Many small businesses have faced large, mounting debts in recent years and are working to get them reduced or eliminated. However, when this happens, the total dollar amount of the debt is added to one’s taxable income for that year. A new Act allows for the amount of debt cancellation to be spread out of a five-year period, reducing a small business’s annual tax liability.

The amount canceled is divided up evenly over that five year period and that amount are added to the annual income tax liability. Tax Credits for Providing Health Insurance for Employees There is now a full and partial tax credit for small business owners who provide insurance benefits to their employees.

Whether one qualifies for a full or partial tax credit depends on the size of the business. Business owners must be paying at least 50% of their employee’s insurance premiums in order to qualify for this tax credit.

The credit allows for up a 35% in the taxable amount of what you paid for insurance. Tax Credits for Increasing Research Levels One of the most important, yet also most expensive, parts of running a business is research and development of new products or services.

No matter how expensive it is, it is important to improving our future and a new tax credit is designed to help promote the growth of businesses research efforts. A tax credit worth up to 20% of your expenditures is offered to businesses who are increasing their research budgets and efforts, hoping to spur new growth and development across small business industries. A small business is always looking for a way to reduce their taxable income or to reduce the cost of doing or opening a business, without having to scrimp on their product or services.

This is why it is so important to understand the various tax credits out there that are available, waiting for one to take advantage of them. They can provide a real, significant savings for many small businesses.

Boy saving money in a piggybank - isolated over a white background

Baby On Board: How To Plan Your Finances

A new baby affects all facets of the life of a family including finances. Whether you want to start a family or have a baby on board, you can greatly strain your family budget if you add a little bundle of joy. Fortunately, you can plan your finances by using the following handy checklist.


You should spend less, save more and cut down on debt. You can only achieve this goal by breaking down your expenses into every day expenses, baby expenses and ongoing baby expenses. Everyday expenses include essential expenses such as transportation, rent, or mortgage and the other items that you need. They also include variable expenses like food costs, insurance coverage and internet or cell phone plans. When you are planning for baby expenses, you should know the average amount that you will need during the first year of the baby. You should also jot down the estimated ongoing baby expenses including childcare and diapers. You should then look at your expected income once you know the amount of money that you will spend. If there is a gap, you should prioritize by scanning your expenses. The things you consider essential in your life now could change as soon as your baby arrives. If the gap is still large, you should lower your expenses by adjusting your monthly food costs, updating your insurance coverage, and changing your internet or cell phone plans.


You can help your finances by supplementing your income. You should consider asking for overtime and setting aside the equivalent of the pay check of one person every pay period. If you are unable to get overtime, you should try getting a part time job if you can handle the load. You should create an emergency fund with the extra money that you are saving. This fund should help in covering household expenses for at least three months. In addition, you should reduce toxic debt by resetting your financial button when you are pregnant through the elimination of credit card debt. Try to make payments on top of the minimum amount that you are supposed to pay if you can afford it. You will have lowered payments and decreased the interest charges that you are supposed to pay every month even if you cannot pay everything off at this time. You should refinance your car loan or mortgage if their interest rate is high.


You can choose the best option for your family by asking yourself if it is better for you to stay at home or work. You should use your take home income instead of your gross income to calculate your savings or loss. Staying at home with the baby or working offers you other benefits in addition to potentially helping you to save money. You should therefore consult a financial planner in order to find out if your employer helps in covering childcare costs by offering a flex plan, the cost of professional clothing, childcare and transportation is more than your available income, and you belong to a higher tax bracket if you have two incomes.

The aforementioned checklist can help you to get your finances in order when your baby arrives. You should therefore use it appropriately and get a csa phone number so that you can seek help in case you have any queries.


What’s best to work with, a mortgage broker, a mortgage marketer, or a bank representative?

There are three various varieties of house loan consultants:

* The representative of the regional financial institution branch: This consultant only offers loans, and he has other banking responsibilities to go to to. They get a salary from the financial institution they work for, and probably a reward.

The regional bank branch representative acts just like a house loan advisor, but he is the only one who can actually submit a home loan software. Items have changed in the home loan earth, and now practically all of the loan companies sell their mortgages through brokers or possibly by means of home loan entrepreneurs – taux hypothecaire. Financial institution representatives nonetheless offer mortgage loan loans in addition to other economic items, but only for the financial institution they work for.

* The mortgage loan marketer: He only delivers loans, and specializes in mortgage loans. The financial institution or financial institution he performs for pays him a commission (taux hypothecaire).

Banks now employ neighborhood reps in purchase to serve the customers much better. A mortgage loan marketer will check out the customer, but he is nonetheless only works for the 1 financial institution that employed him and is responsible for his commission (primarily based on the sum of the mortgage of the borrower.)

* The mortgage loan broker: The broker provides the financial loan goods of a lot of lending establishments. He specializes in mortgages and receives a commission. This commission is paid by the loan provider that the loan is placed with. Mortgage brokers have been dealing with mortgages for much more than thirty decades but have only grow to be an import component of the mortgage market (taux hypothecaire) lately. A mortgage broker works with a lot of lenders, generally thirty or a lot more and can select the ideal one particular for every consumer. Nowadays, far more than 12,000 mortgage brokers run in Canada, with 27% of the mortgage loan industry.)

(Note: I have tried to be as neutral as probable, but the fact is that I am a home loan broker – taux hypothecaire. For that reason I want to inform you appropriate absent that I feel that it is far better to work with a house loan broker to finance your home.)

One factor is for sure. It is the knowledge and integrity of the consultant that will make the distinction. There are superb regional bank branch associates, superb house loan entrepreneurs and excellent home loan brokers. Nonetheless, the reverse can also be correct.

The service of the particular person with whom you will operate is most critical.

Of this you can be confident: the experience and integrity of whatever advisor – taux hypothecaire you function with will make a crucial big difference. Of training course, there are skilled neighborhood financial institution branch associates, skilled house loan marketers and expert mortgage brokers. And then, there are individuals who do not totally realize this field.

It is the particular person in the placement that is most essential.

Mortgage loan brokering has become far more common

A survey executed by the CMHC indicated that more than 26% of all of the property loans in Canada were financed by means of the intermediary of a mortgage loan broker (taux hypothecaire). In any situation, it is the individual you work with, his integrity and skills that issues.


Equipment Rental – Get the best deal

Many times, equipment rental makes a lot more sense than buying, but you always want to make sure that you are getting the best deal. Whether you are doing some home cleaning or remodeling, car repair, landscaping or getting the old garage band together to play at a wedding, you can probably rent what you need to get the job done. For whatever job you are leasing equipment, there are guidelines to follow in order to make it a successful experience.

Why Rent?

There are several reasons why using rental equipment can often be better than buying. One obvious reason is if you need it for something that you will rarely be doing. This could include things such as replacing the engine in your car, adding a room to your home, or tilling and planting sod in your backyard. For things like this, unless you plan on doing them on a regular basis, buying the appliances you need to do the job doesn’t make a lot of sense.

Getting the Most for Your Money

When you’re purchasing something of value, you want to get the best quality for your money, and the same should always go for when you’re renting. Be sure that you are dealing with reputable merchants who take care of their tools and appliances instead of just renting them out until they fall apart. Ask for recommendations from people that you trust, check on deposit requirements and policies, and don’t forget to compare prices. A quick call, or visit to the internet, can also tell you if there have been any complaints about a company to the Better Business Bureau. This may seem like a bit much for something that you won’t be using for very long, but you’re still shelling out money for it. Make sure you’re getting the best tools and service.

Returning without Incident

To ensure that you’ll get back your often sizable deposit, you need to follow some guidelines. First of all, read whatever documentation the company who rented you the item gives you about it, including how they want it returned. If it’s something that takes fuel, do they want it filled with fuel before you return it? Do they want the appliance washed? If so, how? Knowing these things can help you avoid problems when it’s time to return the equipment. Also, and no less importantly, you want to inspect whatever it is you’re renting before you ever take it home, and document any flaws that it has. Make sure a representative of the company signs this before you leave. This prevents you from being blamed-and charged-for something that you didn’t do.

As long as you follow common sense guidelines and understand your responsibility, you can be sure to get the best use out of rental equipment. You can also be sure to get the most for your money.


Creating Space High Up on Top

Loft conversions seem to be springing up in every street, so what’s involved and how do you go about it?

Loft conversions are easiest in houses with a high – pitched roof. This should give enough height to create a room which you can stand up in comfortably – it won’t do you any good to stoop and no builder in his right mind would agree to work on such a project, unless all you want is a smartened up attic purely for storage. Before you start any work check with your planning office – often there are restrictions which you must respect.

If there isn’t enough height then sometimes your roof can be raised. This is obviously a much bigger undertaking and its vital you talk with your local planning authority about whether you can do this. If there’s the height at the apex of the roof but the loft is too narrow then you may want to extend out the eaves with a dormer window which protrudes out of the roof. Again, you’ll have to talk to your local planning authority about this.

Of course if you are going to convert your loft into a bedroom or other useful space you’ll want it to be easily accessible. And its not always obvious how to position a staircase from your top landing without making access to other rooms more difficult. This is one area where specialist loft conversion companies and designers really come into their own. Chances are they will have seen exactly your house’s layout before and will know the most straightforward solution. So use their expertise rather than scratching your head for days trying to work out the stairway puzzle!

Its important to assess what is the best use of space up in your loft. Of course this will largely depend on how much space you have and also on what you’re lacking downstairs. Have you got enough bedrooms but nowhere for your teenage kids to hang out? Do you need an extra bedroom for visitors or your expanding family? If so would an extra bathroom be handy too? Have you decided to work from home and need an office away from the rest of the house? Or maybe you’re a budding artist or musician who needs a dedicated space to practice your craft.

Once you’ve decided on your needs you can work out an appropriate scheme and the trades you will require.  If you’re going for a bedroom and ensuite there’ll be a fair amount of electrics and plumbing to sort out.  If you’re planning an office you may need more sophisticated electrics such as a broadband connection. If it’s a music or teenage den you’re after then soundproofing may be a good investment.  Work out as much of this sort of detail as you can before calling in the experts.

Also think about storage. If you have a pitched roof then you will have eaves. These are ideal for built in cupboards as they are awkward spaces that can’t really be used for anything else. Built in cupboards or shelving will leave the rest of the space open rather than cluttered with cupboards or chests of drawers.  Also consider dedicating the height and length of a whole wall to inbuilt storage. If the ceiling is high then a rolling ladder attached to a track provides easy access to cupboards up high. A bay window in the loft is a good area to place a favourite piece of furniture, or to build low storage with a window seat on top.

Lofts are usually fairly dark places, so you’ll need advice on lighting. Extra velux windows in the roof will let in natural light, as will dormer windows but again, talk to your planning authority before cutting out squares in your roof and replacing them with glass. If you want to create an art studio you’ll want all the natural light you can get so ask a structural engineer to advise on how this can be achieved. Also think about lighting at night – whether you put in spots, pendants or wall washers you’ll want a bright, airy environment, not gloom.

Loft conversions can be a good investment, and are usually cheaper than moving to a bigger house. Think carefully about what you want to achieve, then get the experts in to transform your space.

Adelphi Energy Limited


Adelphi Energy Limited is a publicly listed Western Australia based petroleum exploration company, with a focus on frontier exploration areas which have the potential to add significant value for shareholders.

Adelphi’s current portfolio has a strong emphasis on the Sugarloaf Project in onshore Texas which has the potential for significant reserves and production pending the results of ongoing exploration and testing activities. Prospective exploration acreage in onshore Yemen round off Adelphi’s current asset portfolio.


Issued Capital

Fully Paid Shares: 169,271,380

Options (unlisted)

  • 6,000,000 – 25 November 2012 ($0.23)

Cash ~ $8.5 million

Bank Debt   None

Exploration Assets

Sugarloaf, Texas (10%)

Yemen Exploration Block 74 (8.5%)

Australian Worldwide Exploration Limited