Investing In Oil and Gas
Investing in oil and Gas
British and Bulgarian truckers are staging fuel protests, too.Indonesians are staging their own protests against shrinking gasoline subsidies in a nation where nearly half the population of 235 million lives on less than $2 a day.( foreign investment in canadian oil sands)
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Although it quickly weakened into a tropic depression, Arthur forced authorities to shut two of Mexico’s three main crude oil ports as a precaution. The three ports ship about 80 percent of Mexico’s crude exports, most of which goes to U.S. refineries.( foreign investment in canadian oil sands)
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oil and gas investments => Biodiesel is derived by processing vegetable oil or animal fat with alcohol. It is increasingly available around the country, but it is expensive. With the right kind of conversion kit (easily found on the Internet) anyone can turn discarded cooking oil into a usable engine fuel that can burn on its own, or as a cheap additive to regular diesel.
oil and gas investments => For there to be real manipulation, financiers somewhere would have to hold substantial amounts of oil off the market, planning to unload it in the future. Jeff Bingaman (D-N.M.), chairman of the Senate Energy Committee, has suggested that a recent trend of institutional investors acquiring oil storage capacity creates “concerns regarding potential market manipulation strategies.” In a letter on May 27, he scolded officials with the Commodity Futures Trading Commission for “glaringly incomplete” testimony during recent hearings on oil speculation. He demanded more information about how the agency tracks trading.
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Residents who depend on heating oil have started considering their different payment options for this winter — such as fixed-price, capped-price or prepayment plans.
The group has also been responsible for the seizure of local and expatriate workers as hostages, though they are normally released unharmed.
He stressed that the CFTC’s move to require more information from institutional investors is separate from any probes into illegal trading activity.
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Regulation is likely to pile on additional burdens. Lawmakers are expected to attach a price to carbon emissions in the coming years and potentially raise standards for clean-burning fuels. Investors aren’t being warned because no one can put their finger on the charges. Analysts on Wall Street “don’t know how to capture these potential costs yet,” said Philip Weiss of Argus Research. If and when the numbers change, he said, oil company shareholders may be in for a rude surprise.
The agency said today that it will tighten rules for investors and index funds, including increased disclosure about holdings in agricultural markets, after farmers and lawmakers alleged speculators had inflated food prices. It also said it’s investigating possible manipulation of the cotton market.
Gas was cut last winter for nearly three weeks after Turkemenistan turned off the tap to the Islamic Republic, causing a domino effect as Turkey had to stop its gas exports to Greece.
High prices are cutting demand for gasoline; data from the Energy Department and Federal Highway Administration and several surveys in recent days suggest American consumers are driving less. Jitters about falling demand have helped send oil prices sharply lower since they set a new record over $135 a barrel last week.( growth of investment in oil and gas drilling projects)
The bandit pulled his truck to the back of a Burger King in Northern California one afternoon last month armed with a hose and a tank. After rummaging around assorted restaurant rubbish, he dunked a tube into a smelly storage bin and, the police said, vacuumed out about 300 gallons of grease.( growth of investment in oil and gas drilling projects)
When the first crisis struck in the 1970s, Congress, the White House, and the Big Three automakers all initially responded. Cars were downsized. Engines were made smaller and more efficient. Highway speed limits were cut to 55 miles per hour. Tough, new gas mileage requirements were imposed.( growth of investment in oil and gas drilling projects)
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bush cheney oil company investments => Oivind Reinertsen, who runs operations in the gulf for StatoilHydro, hastens to dampen expectations. “There’s a lot of oil there, but nobody talks about the cost. If we started today without developing new technology, the economics would not be robust even at today’s oil prices,” he says. Even so, StatoilHydro looks intriguing. It’s making good money off oil projects that are already pumping: $8.7 billion last year, or $2.70 per ADR. Of that, $5.3 billion was paid out in dividends, for a 4.5% yield on the recent $39 share price.
bush cheney oil company investments => World oil prices paused close to 128 dollars per barrel on Tuesday as traders monitored ongoing supply concerns alongside fresh hints that OPEC could pump more crude.
bush cheney oil company investments => It also plays a key monitoring role on development assistance, education, health and environmental measures put in place by governments. And it hopes that it can be a key forum where an informal dialogue between rich and emerging countries can take place on how to manage globalisation.
“This pumping has now been stopped. The oil concentration in the water is limited,” the company said, adding that oil protection equipment had been deployed.
They say they want the release of their leader and more federal government-controlled oil industry funds for their impoverished region.
Demand in consuming nations such as the United States and Britain has already showed signs of faltering under the weight of rising fuel costs, and some analysts are concerned demand in some Asian countries could be hit as governments cut subsidies.
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Once the pipeline has been installed, and covered up, extensive efforts are taken to restore the pipeline’s pathway to its original state, or to mitigate for any environmental or other impacts that may have occurred during the construction process. This often includes replacing topsoil, fences, irrigation canals, and anything else that may have been removed or upset during the construction process.
Given enough time, history shows, Americans can adjust to almost anything, from the demise of the family farm to the decline in factory jobs. In the long run, they can adapt to high oil prices by buying fuel-efficient vehicles or finding jobs closer to home. Likewise, with enough time, if they can’t afford their homes, they can eventually cut a deal with their lenders or quietly move to a cheaper house or rental.
Since last year, a series of Fed cuts designed to shore up the economy has led to a protracted decline in the dollar’s value against the euro. That helped feed the record run-up in oil prices as investors bought commodities such as oil as a hedge against inflation.
While ICE oil futures are traded electronically on computer terminals across the U.S. and have prices tied to oil futures offered by rival New York Mercantile Exchange, owned by Nymex Holdings Inc., they haven’t been subject to the same CFTC reporting requirements as Nymex trading.( espn oil investment commercials)
“The leak from the tank on (the) Statfjord A (platform) has been stopped, and the pumping of oil-containing water to sea has also been stopped,” Norwegian energy giant StatoilHydro said in a statement.( espn oil investment commercials)
Crude oil prices were slightly lower as the U.S. dollar firmed against the euro. The July contract slipped 38 cents to $126.91 a barrel. However, oil prices are still up by a third so far this year.( espn oil investment commercials)
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central basin oil investments => “Everything is more expensive,” said Raj Amber, a partner at AAA Limousine in Alexandria, Va., bemoaning the recent oil change cost increase to $30, up from $25.
central basin oil investments => The US summer driving season, which kicked off at the weekend, is a time when Americans take to the roads on their holidays, boosting fuel demand in the world’s biggest economy and affecting global prices.
central basin oil investments => Iraq’s oil production rose to a post-war high of over 2 million barrels per day (bpd) in May, Oil Minister Hussein al-Shahristani told Reuters in an interview.
“Those countries with large coal reserves, like South Africa, China or the United States, are very keen on CTL as it helps ensure energy security,” said Yuichiro Shimura at Mitsubishi Research Institute Inc (MRI) in Tokyo."However, the problem is that it creates a lot of carbon dioxide. Also you need a huge amount of energy for liquefaction, which means you end up wasting quite a lot of energy,” the chief consultant at MRI in charge of energy told Reuters.
Investors also had other supply worries on their mind.On a trip to the Mideast over the weekend, U.S. Treasury Secretary Henry Paulson said there is “no quick fix” to high oil prices because it is an issue of supply and demand. He was on the trip to deliver a message to officials of Saudi Arabia and other oil-producing nations that soaring oil prices are putting a burden on the global economy.
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The most hurricane-prone US region is the southeastern coastline, running from the states of North Carolina to Texas, where many US energy facilities are based.
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And when he does get gas, he puts in only a half-tank."If the prices were lower, I’d probably just fill it up,” Saba said.( oil and gas investments tax deductions)
Tropical Storm Arthur became this season’s first in the Atlantic at the weekend, opening a June-November hurricane period that forecasters expect to be more active than usual, threatening U.S. and Mexican oil facilities.( oil and gas investments tax deductions)
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crude oil investments => William Foss, 61, of Portland, had his heating oil tank topped off Thursday with 115 gallons. At $4.52 a gallon, that ran him about $520 — the most he’s ever paid for heating oil. But he didn’t want to wait until fall for fear it’ll go even higher, to $5 or $6 a gallon.
crude oil investments => She used 350 gallons of heating oil last year, compared with 750 gallons two years ago, saving her hundreds of dollars. She’ll save even more this year.
Even GM admits it’s a tall order. But the Volt has gotten Toyota’s attention. In January, Toyota President Katsuaki Watanabe announced that the company would field a “significant fleet” of plug-ins available to commercial customers, matching GM’s 2010 target date. “For the first time, they’re seeing a reinvigorated challenge from GM,” says powertrain analyst Kevin Riddell of J. D. Power & Associates.
Friday’s price uncertainty reflected an ongoing battle in the oil market between investors who feel prices have risen too far, and those who think global demand and tight supplies justify prices in the $130s — or higher.
Highways are filled with fuel-efficient Smart cars and Minis, most cities have highly developed public transportation systems, and green-minded policies have spawned everything from special bicycle lanes to downtown congestion charges. Now the current surge in the price of oil has many Europeans asking how much leaner they can become.
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Overnight, light, sweet crude for July delivery fell below $125 a barrel before rebounding to settle up 73 cents at $127.35 on the New York Mercantile Exchange. On Thursday, prices fell $4.41, the biggest single-day price drop since March 19.
Due to a danger the oil would evaporate and create gas which could easily ignite, the company had decided to pump around 1,200 cubic metres (42,380 cubic feet) of water containing oil out of the shaft and into the sea, creating a “thin film” on the water surrounding the platform.
It’s not that bad everywhere. In China, government-mandated low retail gas prices have helped farmers and China’s urban poor but, in a country struggling with pollution, also have hurt conservation. The Chinese used about 5 percent more gas in the first four months of this year than last.
“This concerns everyone who drives,” Ms. Schneberger said. “And that makes a lot of angry people.” Indeed, protests broke out across the Continent this week as irate port workers clashed with the riot police in Marseille and truckers stopped traffic in London to demand government fuel rebates. On Thursday, the protests spread to truckers in the Netherlands and French farmers blocked the entrance to oil depots. Italian and Spanish fishermen were planning strikes for Friday.( american oil companies investment in alternative fuels)
The CFTC’s announcement about its oil investigation suggested a single, broad probe that began in December 2007. But people familiar with its enforcement priorities say the agency is pursuing multiple oil investigations, and that many of them relate to one another. CFTC enforcement chief Gregory Mocek said the agency has about 60 manipulation investigations open in various commodity markets.( american oil companies investment in alternative fuels)
Trucks blocking a main London highway, fishermen blockading French ports, Dutch drivers petitioning parliament, Spanish and Italian fishermen voting to strike – Europeans are becoming restless at relentlessly high energy costs. But what can governments do about oil prices that are six times what they were six years ago? Protesters, experts, and officials disagree substantially on which is the most appropriate course of action.( american oil companies investment in alternative fuels)
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elco oil oil and gas investment => To that end, sales of some of the vehicles that Ford has depended most on for profits fell particularly sharply. The F-Series pickup had sales plunge just over 30%, while the Explorer, the midsize SUV that once was the nation’s best-selling utility, tumbled 41%.Ford responded to the weak pickup sales by announcing it was bringing back its “employee pricing” offer on the F Series through June. Similar “employee pricing” programs by Detroit’s Big Three in 2006 resulted in strong summer sales that year.
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elco oil oil and gas investment => From 3.00 dollars a gallon (3.78 liters) in January, gasoline has risen to around 4.00 dollars a gallon in late May.In Seattle, Dallas and San Francisco, the use of public transport has seen two-digit percentage increases.
The CFTC has expanded an investigation, disclosed previously by The Wall Street Journal, into alleged short-term manipulation of crude-oil prices via a widely used price-reporting system run by Platts, a unit of McGraw-Hill Cos. One suspicion is that energy companies and traders have at times issued a flood of orders during a time window used by Platts to determine its reported prices for physical oil transactions, then used the potentially distorted prices to make profits in other markets. Platts has said its system has safeguards to protect against manipulation. Subpoenas on the matter have gone out in several stages, people familiar with the cases say.
Dealers said Federal Reserve Chairman Ben Bernanke’s comments warning that a weak dollar could worsen inflation, pushed the market lower by feeding a recovery in the U.S. currency and dimming the prospects of a new rate cut.
“Certainly five to ten years from now, you’re going to look back and say the spring of ‘08 was the turning point. Even if gas prices go down for a month or two, consumers are not going to rush back out and buy SUVs. This appears to be a permanent shift,” Toprak added.Ford reported that overall U.S. sales were down 16 percent, even worse than the forecast of a 9% drop from Edmunds.com. Sales of light truck models, such as SUVs, pickups and vans, tumbled more than 25%.
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Like so much else in the global financial system, commodities trading has become increasingly complicated. Traditional commodities traders buy and sell futures contracts that specify a price and date for delivery of a stated amount of the commodity. Many of them buy the contracts for clients who expect to get the commodity delivered.
And in Venezuela, long-held government subsidies and bountiful supplies have made the people think of cheap fuel as a birthright. It’s a veritable wonderland for gas guzzlers — 12 cents a gallon. Consumers there are snapping up SUVs.
“This pumping has now been stopped. The oil concentration in the water is limited,” the company said, adding that oil protection equipment had been deployed.
Oil traded higher at more than 132 dollars a barrel Monday as the US summer driving season kicked off, underscoring concerns that output was inadequate amid rising demand.( find me the best investments for a peak oil future)
The bandit pulled his truck to the back of a Burger King in Northern California one afternoon last month armed with a hose and a tank. After rummaging around assorted restaurant rubbish, he dunked a tube into a smelly storage bin and, the police said, vacuumed out about 300 gallons of grease.( find me the best investments for a peak oil future)
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foreign investment in canadian oil sands => It seems strange that oil prices are soaring at a time when the housing slump is killing economic growth. One explanation, of course, is that the appetite for oil is still strong in China and other parts of the world where growth is stronger. But even in the U.S., high oil prices have done little so far to suppress demand. That’s because there’s no ready substitute. People are consuming nearly as much gas now as when it cost half as much because they don’t have much choice if they want to buy groceries and get to work. Meanwhile, production of oil hasn’t gone up much, either, because companies are already producing flat-out from existing fields. The result is that the soaring price hasn’t caused a glut, as you would expect if oil were overpriced. And that has emboldened speculators to keep bidding the price higher, testing what the market will bear.
foreign investment in canadian oil sands => Since last year, a series of Fed cuts designed to shore up the economy has led to a protracted decline in the dollar’s value against the euro. That helped feed the record run-up in oil prices as investors bought commodities such as oil as a hedge against inflation.
foreign investment in canadian oil sands => Midday in Singapore, light, sweet crude for July delivery was down 33 cents at $123.98 a barrel in electronic trading on the New York Mercantile Exchange. The contract fell $3.45 to settle at $124.31 a barrel in the previous session.
Dos Bocas and Cayo Arcas ports were shut for shipping while a third major crude terminal Coatzacoalcos remained open, the transport ministry said in a statement.
Saba blames himself for not paying enough attention to the fuel gauge, saying he doesn’t normally let the tank get so low. But he said the spiraling cost of gas has led the church to reduce its use of the fuel-guzzling van.
“I like crude oil prices at between $90 and $100,” Schork said. But he warned that markets – and especially oil markets – often defied logic.
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Indonesia, Sri Lanka and Taiwan already have announced cuts to subsidies, while Malaysia said it would scrap fuel price controls in August in a move that could double pump prices.
Data on Monday showed annual inflation in Australia rose to 4.5 percent, the highest in the 5-year history of the gauge and well above the Reserve Bank of Australia’s 2-3 percent target.
The unrest has helped drive international oil prices to a record highs.
And Toyota said that sales of its car models were essentially flat in the quarter. But Toprak said even the strong car sales are not necessarily good news for Ford or other U.S. automakers."The change in product mix is a huge issue,” he said. “They might be talking up their car sales, but the thing that they’re not mentioning is how they’re going to make money with the small cars. They’re lucky if they’re breaking even."( canadian oil investments)
But in an BBC interview, Mr Gurria stressed: “We cannot allow the temporary slowdown in the world economy to distract us from something which, in 20, 30, 40 or 50 years, will be the most relevant challenge that we have.” Much discussion will focus on how fragile world financial markets are, despite central banks injecting hundreds of billions of dollars to shore up the banking system.( canadian oil investments)
Once the pipeline has been installed, and covered up, extensive efforts are taken to restore the pipeline’s pathway to its original state, or to mitigate for any environmental or other impacts that may have occurred during the construction process. This often includes replacing topsoil, fences, irrigation canals, and anything else that may have been removed or upset during the construction process.( canadian oil investments)
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gristmill investment co oil => In Maine alone, if the more than 400,000 households that heat with oil pay an extra $1 per gallon for 1,000 gallons a year, which is about average, that adds up to an extra $400 million spent on heating oil.
gristmill investment co oil => OPEC President Chakib Khelil reiterated on Sunday the group would not make a decision on output policy ahead of its next meeting in September.
gristmill investment co oil => Iran is Turkey’s second biggest supplier of natural gas after Russia.
Ideally, the Fed would like to ease interest rates to get housing back on its feet and offset the deflationary effects of higher spending on fuel without making investors and the public worry that it’s going soft on inflation. Says Mark Gertler, a New York University economist: “A lot of the discussion coming out of the Fed is aimed at shoring up credibility.”
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The dollar was stable at 103.28 yen in Tokyo afternoon trade from 103.31 in New York late Friday.
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Lawmakers in Congress have been pressing regulators to crack down on manipulation, as politicians seek to demonstrate ahead of the fall elections that they are responding to soaring gasoline prices.
Aaron Flies, a coffee-shop owner in Vancouver, Wash., bought a device called a Scan Gauge II with a screen that gives readouts of moment-by-moment fuel economy, average and throttle position. It is meant to remind drivers to go easy on the gas pedal. Mr. Flies says the company van was getting 12 to 13 miles per gallon, mostly in urban driving, and has logged 15 to16 mpg since he changed his driving technique.
India is expected to raise prices slightly this week.With the economic outlook shaky and demand for oil under pressure, OPEC has resisted calls to pump more crude, saying that the weak dollar, speculations and other factors – not a shortage of supply – are behind the one-third surge in prices this year.
Andy Lebow, senior vice president at MF Global LLC in New York, said investors are uncertain whether the past week’s nearly $10 price decline is a correction in a bull market, or a sign that the bull market has run its course.( finding an oil sands investment stock)
Research from The Nielsen Co. shows that drivers have been making more frequent trips to the pump but limiting how much they put in the tank.Convenience stores, which sell about 80 percent of the nation’s gas, are seeing fewer fill-ups, said industry spokesman Jeff Lenard.( finding an oil sands investment stock)
In afternoon Asian trade, New York’s main oil futures contract, light sweet crude for July delivery, was up 56 cents to 132.75 dollars a barrel, after closing at 132.19 dollars a barrel in New York on Friday.( finding an oil sands investment stock)
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independetn oil and gas investments in texas => That marked a turning point for financial markets after a crisis erupted in the U.S. subprime market and quickly spread, though fallout has continued to be felt in some corners.
independetn oil and gas investments in texas => The One Call Program - All of the states have instituted what is known as a ‘one call’ program, which provides excavators, construction crews, and anyone interested in digging into the ground around a pipeline with a single phone number that may be called when any excavation activity is planned. This call alerts the pipeline company, which may flag the area, or even send representatives to monitor the digging.
independetn oil and gas investments in texas => And in Venezuela, long-held government subsidies and bountiful supplies have made the people think of cheap fuel as a birthright. It’s a veritable wonderland for gas guzzlers — 12 cents a gallon. Consumers there are snapping up SUVs.
The United States, with its relatively low taxes, is considered to have retail prices closer to what energy data charts call the “real cost” of gasoline — closely linked to the price of oil.
“We’re growing at a clip that’s about what we can do,” says Linda Robson, a spokeswoman for Sound Transit. “In fact, we have scheduled to add another three round-trip commuter trains that would run between Tacoma and downtown Seattle, but we are out of space on our layover yard in Tacoma.” So they’re adding some track and expanding the yard. They’ll add two more trains come the fall and a third in 2009, when the construction is finished.
Those kinds of numbers can end up hurting the economy, as people have less discretionary income left over to spend in restaurants, stores and elsewhere. The high price of oil is one reason why Maine retail sales fell 5 percent in March from a year earlier, said Catherine Reilly, the state’s economist.
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In most markets, skyrocketing prices would result in increased supply and decreased demand. That would cause prices to ease. But the oil market isn’t working that way. Supply is essentially fixed in the short term because it takes years to find new fields and bring them online. Demand, meanwhile, is also essentially fixed, since there is no ready substitute for gasoline, diesel, and jet fuel. Flush with cash from investors of all stripes, traders observing these conditions have bid prices up and up.
Outside Seattle, cooking oil rustling has become such a problem that the owners of the Olympia Pizza and Pasta Restaurant in Arlington, Wash., are considering using a surveillance camera to keep watch on its 50-gallon grease barrel. Nick Damianidis, an owner, said the barrel had been hit seven or eight times since last summer by siphoners who strike in the night.
National oil companies hold more than 70% of the world’s easily recovered oil and natural gas. But you can’t buy shares in 100% state-owned giants like Saudi Aramco, Petróleos Mexicanos (Pemex), or Petróleos de Venezuela. StatoilHydro is one of a handful of hybrid state-controlled oil companies ( see table) in which you can.
New York’s subway system – which already operates at capacity, carrying five million riders a day – has seen passenger numbers increase by five percent since January.( stopping nato countries investment into iran’s oil industry)
If oil prices fall, gas prices will eventually follow, analysts say. At the moment, there may be too much momentum left over from oil’s sharp rise in recent weeks to stop gas prices from hitting $4. On the Nymex, gasoline futures for June delivery rose to a trading record of $3.52 on Thursday; on Friday, the contract rose 0.47 cent to settle at $3.4089 a gallon. The June gasoline contract expired at the end of trading Friday; trading in expiring contracts is often volatile.( stopping nato countries investment into iran’s oil industry)
That was oil’s lowest settlement price for a front-month contract on Nymex since May 15. Prices are now more than $11 below the trading record of $135.09 a barrel hit May 22.Evidence continues to mount that oil prices nearly twice what they were a year ago have cut demand.( stopping nato countries investment into iran’s oil industry)
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investment in oil gas in nigeria => Gas prices are already higher than that in many parts of the country, and average more than $4 in 12 states and the District of Columbia.
investment in oil gas in nigeria => The result: Refiners are fighting over crude supplies even at today’s high prices because they can still make plenty of money by turning the crude into sought-after diesel. As of May 27, a barrel of diesel was going for about $32 more than a barrel of Light Louisiana Sweet crude oil, according to Platts, the energy and metals information unit of The McGraw-Hill Companies (NYSE:MHP - News). In contrast, gasoline is plentiful, so the price spread for gasoline over crude was just $6. “The diesel is in control,” says John Kingston, director of oil for Platts.The ethanol boom is the strangest factor in the tight diesel market. Refiners don’t need to produce as much gasoline now that they’re blending lots of ethanol into it. Less gasoline makes for less hydrogen, which is a by-product of gasoline refining. So there’s less hydrogen to use in producing low-sulfur diesel, says Phil Verleger, head of the PKVerleger consulting firm in Aspen, Colo. One more example of the law of unintended consequences.
investment in oil gas in nigeria => It’s not that bad everywhere. In China, government-mandated low retail gas prices have helped farmers and China’s urban poor but, in a country struggling with pollution, also have hurt conservation. The Chinese used about 5 percent more gas in the first four months of this year than last.
Technology stocks also boosted Taiwan’s TAIEX index (.TWII) 1.2 percent.China Mobile (0941.HK) and China’s third-largest oil producer CNOOC (0883.HK) led Hong Kong’s Hang Seng index (.HSI) 1.3 percent higher, one of the largest risers in the region.
The energy bill passed last year adds other demands, forcing automakers to raise the gas mileage of their cars 25 percent by 2015. Toyota is closer to those targets than most of its competitors, and nearly a decade of experience with hybrids provides a timely advantage. Toyota plans to triple its hybrid sales in the United States, to 700,000 or more within five years. That will include a redesigned Prius and a new Lexus hybrid, both expected next year.
“Institutional investors are scapegoats because oil companies don’t want to take the blame and politicians don’t want to take the blame, so they are looking for someone else to blame,” Weiner said.
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Gregory Mocek, director of enforcement at the CFTC, said five senior trial lawyers, “some of the most experienced prosecutors that we have,” and other investigators were engaged in the inquiry. “The scope is quite broad,” Mocek said, adding that the commission was looking at the “national crude market,” including trades on regulated exchanges, cash trades, storage, pipeline operations and shipping.
Research from The Nielsen Co. shows that drivers have been making more frequent trips to the pump but limiting how much they put in the tank.Convenience stores, which sell about 80 percent of the nation’s gas, are seeing fewer fill-ups, said industry spokesman Jeff Lenard.
After an energy audit of her house, she used a low-interest loan from the Maine State Housing Authority to have her walls and attic insulated, new windows installed, and cracks and holes filled in her foundation, attic and heat ducts.
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