EXAMPLES OF INTEREST CHARGES
	ANNUAL COST	COST FOR 30 DAYS
ANNUAL INTEREST RATE	Average daily balance	Average daily balance
$100	$500	$100	$500
19.9%	$19.90	$99.50	$1.64	$8.18
21.9%	$21.90	$109.50	$1.80	$9.00
The annual interest rate may apply to regular purchases, equal payment financing, deferred payment financing, deferred equal payment financing or multiple purchases by equal payment financing.

EXAMPLES OF INTEREST CHARGES

ANNUAL COST

COST FOR 30 DAYS

ANNUAL INTEREST RATE

Average daily balance

$100

$500

$100

$500

19.9%

$19.90

$99.50

$1.64

$8.18

21.9%

$21.90

$109.50

$1.80

$9.00

The annual interest rate may apply to regular purchases, equal payment financing, deferred payment financing, deferred equal payment financing or multiple purchases by equal payment financing.

10 roofing and exterior siding maintenance tips

The roof and exterior siding are the most important parts of the home. Since they are the first line of defence, both roofing and siding must be checked for signs of wear and maintained on a regular basis. This includes cleaning, as well as replacing pieces that may have fallen off or become worn.

Remove moss from a shingled roof

If left to grow freely, moss will gradually break down the structure of an asphalt shingle. To clean shingles, use a deck cleaning product applied with a soft-bristle brush. Brush gently until the moss is gone.

There are two methods to keep the moss away:

1. Sprinkle the affected areas with a laundry detergent containing bleach granules.

2. Buy a roll of 10-cm (4 in.) zinc. Measure the roof ridge and cut a strip to match. Insert the strip under the ridge shingles on both sides so that 8 cm (3 in.) is showing. The oxidizing process of the zinc will continually coat the roof below and prevent moss from growing.

Repair a leaky gutter in no time

A leaky gutter can cause water problems in the basement as well as soil erosion. Since most gutters are made of either vinyl or aluminum, even the smallest gaps are hard to bridge with silicone caulk or roofing tar.

Here's how to make a strong seal:

1. Measure and cut a square of fiberglass mesh that will drape down and cover the crack inside the gutter.

2. Spread wet/dry roofing cement on the inside of the gutter so that the mesh is embedded, with cement around its edges.

3. Press the mesh down to seal the crack. Leave to cure for a day.

4. Coat the mesh with roofing cement and smooth with a putty knife. Now you have a waterproof seal. When the cement is completely dry you can paint over it in the same colour as the guttering.

Deliver shingles to the roof to save time and money

On average, a bundle of shingles weighs around 41 kg (90 lb) and will cover 3.1 m2 (33.3 sq. ft). This means that a standard-sized home will require more than 60 bundles of asphalt shingles; having to carry each one up to the roof on a ladder would be a backbreaking job.

To save the roofing workers a great deal of time and effort, have the building company supply a boom truck in order to have the shingles delivered directly onto the roof.

Replace an asphalt shingle by yourself

Strong winds can sometimes rip out asphalt shingles. Replace the missing shingle with one of the same colour or very similar. With a thin pry bar, poke up under the remaining part of the damaged shingle until you feel the nail and pry this up about an inch. Trim the tab of the new shingle to match the space and fit underneath to check for size. Trim more if needed. Spread roofing cement over the space and push the new shingle piece up underneath. Gently tap the top shingle down.

For detailed information on installation, read our article on how to install asphalt shingles. Do not hesitate to hire professionals if the task seems too complex.

Match vinyl siding

Is the piece of left-over siding you need no longer available on the market? Buy a new piece of siding that's as closely matched as possible and swap it with an existing piece in an inconspicuous place. This might mean having to crawl under the deck, but the piece you remove will be exactly matched to the exposed siding you need to repair.

Paint wood siding before installation

With the right preparation before installation, pine or cedar clapboard siding can last a lifetime and more. Cedar does not have to be painted and can be left to weather to a silvery grey. However, pine should be painted to provide better protection from “wicking” – when rainwater finds its way up between the boards. Make sure that the rough side is facing outward, as this side will hold the paint better (whereas the smooth side will require repainting every few years).

Insulate before installing siding

One of the easiest ways to make an older home more energy efficient is to apply foil-faced, foam sheathing on the exterior walls before the siding is installed. The sheathing will provide excellent insulation as well as a waterproof and windproof barrier. Siding companies also use it to make a level wall surface with which to work. For more information on the topic, read our article on how to install exterior vinyl siding.

Avoid water seepage

Gutter downspouts are designed to move large volumes of water from the roof. But if there is no drainage system at the bottom, this water may run straight into the foundations and find its way into the basement.

Many home owners do not like fixed extensions on their gutters because these angled pieces make it hard to mow the lawn in that area.

There are now extension diverters which are activated by the weight of the water, rolling out with the water flow and back up again automatically when the water pressure stops. Alternatively, you can dig a trench around 30 cm (1 ft.) deep and lay a 10 cm (4 in.) pipe running away from the house. The downspout can be extended down to this pipe and attached with a 90° elbow. The pipe can end in a larger hole filled with gravel or run out to the curb.

Get a pressure washer

Scraping siding to repaint it is a time-consuming job, and just one slip of the scraper can cause unsightly damage. Using a pressure washer is a fast and easy way to remove loose pieces of paint. When the wood is dry, a scraper can be used to clean the remaining areas.

Build a cricket on the chimney

Many roof chimney designs impede the natural flow of water when it rains. By building a tent-like structure called a “cricket” on the upward side, the water is able to run around either side of the chimney instead of pooling behind it. This is the same principle used by bridge builders to allow water to flow past the bridge pylons in a river.