If youâre in a lower tax bracket after you retire, however, youâll pay far less income tax that way. For example, say you are in the 28% tax bracket now, while you are working. You contribute to a traditional retirement plan, reducing your taxable income this year by the deductible amount. When you withdraw the money after retirement, you may be in a 15% or 25% tax bracket â a significant improvement tax-wise.
modified bitumen. Definition. A heavy roofing material employing multiple layers of asphalt and reinforcers around a core of plastic or rubber modifiers. Installed with a special torching apparatus, a cold adhesive or hot mopped into place using methods of asphalt application.
Hip and pyramid roofs: as the name suggests, a pyramid roof is a roof in the shape of a pyramid and is designed for a square building. A hip roof uses the same basic shape, but is elongated and is designed for a rectangular building. The hip roof is also very popular in North America. Gambrel roof: this is also known as the barn roof, as this style is often used on barns. This roof style maximizes the amount of usable space in the attic or top floor.