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W (Con‘t from Page RE 25) expanded polystyrene can be used to insulate roofs, ceilings, and interior face af walle ahove and below rrade. and the insulate roofs, ceilings, and of walls above and below g: exterior face of walls above In addition to possessing all acteristics and applications of the lowâ€" density variety, mediumâ€"density expandâ€" ed polystyrene is relatively moisture areful which insulation you use rior 1ace , and the ade only the char the low: reSI the exteri01 crete sia polystyrent on roofs, | foundation On rOOTS, CellINngs, UNnQCL CONCECEL: DEOL _ _ . Setkiert ie Le es eTemuene E2e o es( ag e t mvetinoreurs Te 4yY 5 foundations, and on the interior and exteâ€" _ grade on the exterior face of walls. FOAMEDâ€"INâ€"PLACE INSULATION rior faces of walls both above and below The average thermal resistance values Polyurethane foam is used primarily as grade. for board stock insulation materials: an industrial insulation. This material can Polyurethane board stock is available RSI/mm R/in. be applied to irregular surfaces but its both faced and unfaced. (The thermal _ glass fibre â€"0.029 4.2 effectiveness is highly dependent on resistance value of unfaced polyurethane _ lowâ€"density installation techniques and conditions. board may decrease after it is installed.) expanded Because it expands, it should not be used This material can be used to insulate _ polystyrene â€"0.026 3.7 in enclosed cavities. It is a fire hazard if roofs, ceilings and interior and exterior mediumâ€" not properly protected and must also be faces of walls both above and below _ density guarded from sunlight and solvents. grade. expanded Polyurethane foam insulation has a typâ€" Polyisocyanurate board insulation has . polystyrene â€"0.028 4.0 ical thermal resistance value of RSI similar characteristics and applications to _ extruded 0.042/mm (R 6.0/in.). Ret1 t liv1 t1 it m« sounc and re whe about lease" apt ing numo Canadians of these concepts have been in existence for some time, there are several exciting new alternatives now being introduced in North America. Presently, about 10% of the country‘s population is aged 65 or over. But by the year 2,000, this percentage will grow to 13% and by the year 2031, seniors are expected to make up oneâ€"quarter of the nation e e o S e e P P e OW CE OS P ‘.............O....O......‘....... re H AT T0A tant an« ave her re ? D apt inte Te appealing? Or would you enjoy a nteractive retirement community you could share your mealtime creational hours with friends? How a garden suite or a sharedâ€"equity These are just a few of the growâ€" imber of housing opportunities ians may want to explore as they ch their senior vears. While some h and can be used below grade on or face of walls and under conâ€" lab foundations. Extruded ne board insulation can be used ou given much thoug ou‘d like to spend you es a cosv condo in ane board stock is available and unfaced. (The thermal ilue of unfaced polyurethane lecrease after it is installed.) al can be used to insulate gs and interior and exteriot ills both above and below iling senior year n concreté uT Fl TIC lden itely lab expanded polystyrene mediumâ€" density expanded polystyrene extruded Undoubtedly, most older Canadians would probably prefer to continue to live independently in their own homes within the communities they have come to know and love. By age 65, many will have built up a great deal of equity in their homes. However, as an increasing number of housing alternatives come on stream, more and more seniors may be inclined to move out of their longtime homes, not simply as a matter of necessity, but because they‘ll want to take advantage of the benefits and specialized services many of these new options will offer. Many Canadians are mobile home retirement provide them with suitable reasonable cost, as well as tunit phen« ie CURRENT OPTIONS rall y adians are finding that retirement communities vith suitable amenities at a t, as well as lots of opporâ€" ial interaction with their y set in quiet, charming ird install n rumble more fire in BRENDA CLARK 111 U lef moI all BRENDA n BRENDA BRENDA handle inallv tant. asily polystyrene polyurethan polyisoâ€" phenolic locations, these communities generally provide many services and recreational opportunities for residents. In most mobile home retirement comâ€" munities, the homes are generally purâ€" chased by the seniors, but rent must be paid for the plots on which the units are located. HOME SHARING AND COMMUâ€" NAL LIVING Many seniors faced with economic or physical limitations may want to consider sharing their homes with family memâ€" bers, friends or acquaintances. In addiâ€" tion to helping the homeowner with expenses, home sharing also provides companionship. In some cases, the homeâ€" owner may wish to reduce the rent charged to the newcomer, in exchange for performing various chores around the house. If you‘re interested in this option, check with your municipality first; some could have bylaws concerning these types of arrangements when occupants are unrelated. moves or dies, ownership reverts to the developer or investor. Sharedâ€"equity arrangements can also provide many benefits. Under this type of system, seniors can purchase a portion of the equity of a unit â€"25%, 50% or 75% â€" and then pay rent for the part still owned by the developer or investor. Maintenance and operation of the building are handled by special staff, but special fees (much like condominium fees) must also be paid to cover ongoing costs. If residents decide to move, they can sell their share in the unit and still benefit from any appreciation in the unit‘s value. Loan stock arrangements may also appeal to seniors in the future. With this setup, seniors make an interestâ€"free loan to the sponsor of a housing project. In exchange, the senior has the right to live in the unit rentâ€"free for the remainder of: his or her life. The only payments they? have to worry about are maintenance and operation fees. ‘ Sheltered retirement housing is someâ€" what similar to the homeâ€"sharing conâ€" cept. Extremely popular in Britain, this type of housing consists of a group of apartments or clusters of singleâ€"storey homes. Each occupant has his or her own living quarters, and a caretaker is on hand to provide special assistance. Some of these setups also provide meals to resiâ€" dents. Often, the units can be bought and some offer lifeâ€"tenancy or sharedâ€"equity arrangements â€" concepts new to Canada. â€" Life tenancies offer the elderly a chance to buy life leases (pay rent in one lump sum), allowing them to live in a unit for the rest of their lives. The cost is based on value of the unit and the age and sex of the purchaser. If the occupant However, an ural () er, an occupant cannot benefit (Sge "Gatden" Page RE81) * () 0.035 0.042 O 04 (y (y 0 0 ()