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4 Ways a Roofer Can Help with a House

Many people do not think about it on a particularly regular basis, but the roof of a house is one of the most important parts of any house. The roof of the house functions similarly to the walls in the sense that the roof is designed to be energy efficient and not let anything unwanted in. On the other hand, the roof of a house is unique in the sense that it is one of the first lines of defence against falling branches and other dangers. With that being said, it becomes more important to consider what roofer can do to keep a roof intact for as long as possible.

1. Roofers Can Provide General Cleaning

Over time, roofs can end up becoming covered in dead leaves, twigs, acorns, moss, and other things. Many people think that this only affects the appearance of the roof and nothing else. This is not necessarily true. Moss and fungus can eat away at the roofing material, slowly leading to mould damage. Mould damage is particularly harmful, as it not only affects the structure of the house, but the health of the occupants as well. This makes it all the more important to regularly clean the roof.

2. Roofers Can Install New Roofs

Whether a house has been newly built or it is in serious need of some renovations, there might come a time when a person needs to completely replace the roof of the house. By contacting a team of professional roofers, a person can have the roof of their choice built onto their house. This could be a flat roof or a pitched roof. The roof could have skylights or it could be a standard roof. The choices are endless.

3. Roofers Can Design Roofs

When it comes to the appearance of a roof, there are countless possibilities. There are tiled roofs, slate roofs, and shingled roofs. There are also flat roofs which can come in a variety of materials ranging from felt to rubber. In fact, some roofs can even have skylights, chimneys, gutters, and more fitted to them to improve the quality of the house itself.

4. Roofers Can Repair Roofs

There are times when the quality and condition of a roof can reach a point where repairs are needed. This can be caused by environmental events, such as storms and blizzards, or it can be due to a lack of care. Regardless of the cause, most experienced roofers will be able to take care of any repairs that a roof requires. From retiling a roof, to fixing a leak, to working with the carpentry of the roof itself, a roofer will work to ensure that the roof is restored back to its prime condition as soon as possible.


4 Tips for Choosing a Summer Camp

Don’t let your kids feel bored over the summer. It is a great time to get them into a summer program. There are many things to consider when choosing a camp for your children.

1. Define your expectations

There is a fine balance between wanting your kids to be happy and finding an educational experience for them. Some children may not be happy at the thought of a “summer camp.” As the parent or guardian, you need to set your own expectations for the experience. All-girls or all-boys camps are great places for your child to meet people with similar interests. There are plenty of academic camps or sports academies that can keep your child occupied. You want to find a camp that appeals to your child’s interest.

2. Find the right camp

There are many varieties of camps for kids. They are not all about painting or archery. Many camps are now specialized to appeal to kids with certain interests. Traditional style camps give your child the typical “camp” experience with campfires, bunks, and plenty of outdoor activities. Academic camps can be a valuable teaching tool for your child. These camps focus on interests like theater, coding, math, or science. Art camps are great for those children who have a more creative side. Many of these camps are even treading into the world of 3D and computer generated art. Athletic kids will love sports camps. This style of camp is great for those who want to improve their skills during the summer. There are some special needs camps as well. They create a safe environment for those who might not feel comfortable in a traditional camp setting.

3. Choose between overnight and day camps

Day camps allow you to drop your child off for the day. They spend time with the instructors and leave after a few hours. Overnight camps provide the same benefits of a day camp, but the child can spend up to a month at the camp. The type of camp you choose will depend on your child’s comfort level.

4. Create a budget

You want to budget your money for camp. It can be a big sticker shock when you find out the cost. Don’t let that dissuade you. Ontario summer camps are an investment in your child’s future. They are great places to build confidence and gain independence. Many camps do have discounts for siblings or early bird bookings. It does not hurt to ask about a discount when you call the camp.

Summer camps are wonderful spots for your child to have fun. There are many places that will engage your child while school is out of session. You should always tailor the camp experience to meet your child’s interests.


The Top 5 Advantages of Registered Education Savings Plans

Commonly abbreviated as “RESP,” a Registered Education Savings Plan is the safest and most accessible investment vehicle for Canadian parents that are preparing to send their children to a reputable post-secondary educational institution, such as a university or trade school. However, many of the benefits and windfalls associated with RESPs are still relatively unknown, so feel free to read along for an in-depth look at the top five advantages of establishing a Heritage RESP.

1. You Gain Instant Access to the Canadian Education Savings Grant
The Canadian Education Savings Grant (CESG) and the RESP work hand in hand to help you make substantial, expedited progress with regard to your savings plan. The CESG program involves contributions to your RESP from the government, and the total allocation amount is based on your personal inputs, as well as your household’s overall income.
Since the introduction of the CESG roughly 20 years ago, nearly 50% of Canadian children have received payments from the program, and the cumulative value of federal and provincial contributions recently surpassed $8 billion.

2. Your RESP Also Functions as a Tax Shelter
A RESP enables you to diminish your taxable income and bestow your child with a lucrative nest egg during his or her post-secondary education:
● The money that you place in your RESP is taxed at the standard rate according to your income level, but the individual that withdraws the money (your child) will be taxed at his or her unique rate.
● This is particularly helpful when considering the fact that students have a very low tax rate in relation to their parents, which effectively protects the RESP from undue surcharges upon withdrawal.
● This concept also applies to the CESG contributions and the interest that accumulates in the account over time.
As such, a Registered Education Savings Plan is extremely valuable form a taxation perspective, both for the parents and the student.

3. You Can Establish Educational Assistance Payments (EAP)
Once the child enrols in a qualified post-secondary institution, you can create a serviceable EAP schedule that disburses money to the student in accordance with his or her needs.
The EAPs will be withdrawn from the Canadian Education Savings Grant portion of the account as well as the accrued interest, which enables the student to pay for study materials, transportation, tuition, and other compulsory expenditures.
Simply stated, the EAPs will serve as a fundamental income stream for the student during his or her educational career.

4. RESPs are Renowned for Their Stable Appreciation Rates
If you maintain a diligent approach, capitalize on CESG contributions, and prepare an adequate EAP plan, you can expect a return of 30% or more depending on how early you institute the RESP.
The investment returns tend to be higher for low-income families, but every household stands to gain a considerable yield with a modernized RESP. The earlier you begin, the better off you’ll be.

5. The Enrolment Process is Straightforward and Intuitive
All you need to establish a Heritage RESP is a Social Insurance Number and a few basic articles of paperwork, such as a birth certificate. You don’t have to worry about any upfront fees or surcharges either, so it makes a lot of sense to get the ball rolling as soon as possible.
Furthermore, Canadian RESP providers are very accommodating and trustworthy, which allows you to have complete confidence that your hard-earned money will be in the best of hands.