Can an insurance underwriter demand an upgrade to a wood-burning stove chimney even though it was installed 20 years ago according to local building code in effect at the time?
Yes, or you may face a non renewal. Insurance companies can from time to time change what risks they will remain insuring and which they won't. If you don't comply with their new requirements and with sufficient notice they may non-renew your policy.
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Effectiveness of Loestrin 1-20 All birth control pills are effective, but not all women can take the same pill. For some women certain pills don't work or are too strong. If you are worried, talk to the doctor that gave them to you and use back up in the meantime. The only difference between low do…ses and higher is that with lower doses you have a greater chance of getting breakthrough bleeding which is bleeding between periods. Also, the dosage can be a problem is if you switch from a high dose to a lower one, then you can get pregnant. From a loestrin user-- I take loestrin and its very good. I advise low dosage. If ur doctor subscribes it to yu then yu should trust ur doc. At 1st its a lil nausiating but after a month or 2 that goes away.. and yes its normal to spot betwen ur period.. it should be very light. *personal experience* i took that pill and i never got pregnant, until after i stopped taking it, so if u dont want to get pregnant then dont stop lol (MORE)
Answer . Good for you! It's better late than never. It's scary as we get older to get out there and be independent, but once you do and live on your own for a few months you'll feel like a caged bird that has been set free. There are all sorts of great men out there looking for good women. Mo…st are widowers and some divorced. You are stronger than you think.\n. \nPerhaps you could get a job, or volunteer. This way you meet other friends and if you like, some nice single men (or divorced or widowed.) You probably aren't in any hurry to end up with a man right now just after what you went through. \n. \nI was married before to a real womanizer and I never saw the signs (or didn't want to see them.) I was only married to him for 3 1/2 years and consider myself lucky. I don't share my men! It was tough at first, but in a few months I felt great, and I changed jobs, met some new friends and had a blast. It gave me a chance to find out who I was and realize how strong and independent I was. I never regretted leaving my first husband. Eventually, I met the odd man and dated, and finally, one of my good male buddies introduced me to my present husband and we have been married for 33 years.\n. \nYou go girl! You deserve some life. \n. \nGood luck\nGod Bless\nMarcy (MORE)
Can you sue a collection agency who continues to report a debt as a debt in collection even though it was discharged in chapter 7 four years ago?
Answer . First, make sure you have documented proof that shows the account was discharged. If you haven't filed a dispute. You should then report them under the Fair Debt Collection Act for unfair reporting. If, after that, they still report and account and you can prove otherwise, you should… look into an attorney who can file suit for you. Rest assured they'll have five lawyers for every one you find. (MORE)
Is it considered harassment if Citibank calls 10-20 times a day and on weekends regarding your 20-year-old who incurred debt while not living at home even though she's at home now?
Answer . Unfortunately, no (not in legal terms anyway). Creditors will call all day in order to get their money. She needs to be responsible and make a payment. Keeping the account active and working it out with the creditors will stop the calls.\n. \n . \n Although the FDCPA does not specify… the exact terms of what can be constituted as harassment, the extent noted by the questioner would be considered as such.\n. \nThe debtor has the legal option of informing the creditor/collector by written correspondence that she wishes to cease all contact with them. Once the calling party receives the correspondence they must stop calling or contacting the debtor except for informing the debtor that "cure and remand" procedures are being implemented or other changes to the account has occurred.\n. \nThere is no law that says a debtor or any member of the household must accept the calls or speak to a collector or creditor who calls.\n. \nThe owner of the home also has the option of filing a complaint with the justice division of their state's attorney general. (MORE)
An Insurance Underwriter takes into consideration all the different aspects of the details provided by the applicant to ensure that the Insurance Cover available is suitable for the applicant's needs and circumstances.
An underwriter is a person who works for the insurance company andwho reviews applications for insurance to see if they meet therequirements of the insurance company and also that they told thetruth on their application. They also review the rating of theinsurance product to be sure the policy is pr…operly rated. (MORE)
There are many factors to consider when installing a wooden stove. The first step when installing is to look out for the one that suits your requirements. Some wood stoves are customized for your fireplace and are generally easier to install than the freestanding wood stove. Once the stove has been …finalised, next would be the location of where exactly to place it. Finally, assemble a six-inch pipe to pass through the flue. The measurement of the flue should be 12 x 12 inches. For the outside portion, you need to install a chimney liner with cap. Insulated chimney pipes should be used and you should have excess for your ceiling. (MORE)
Can you still receive a US Government student loan even though you graduated high school over thirty years ago?
Answer . You should be able to, since you are seeking an undergraduate degree. Don't forget to apply for scholarships, too.
Is a prospective lender allowed to ask if you have EVER had a bankruptcy even if it was 20 years ago?
I believe a lender can ask anything they want. (Other than the big No's (discriminations)). They are pretty much allowed to use it as they want too. Its' their funds they lend....no one else has a right to them.... . That most all lenders use reports where these matters are no longer reported afte…r some point is more a thing of both convenience and relevance. I suspect that even to the one asking this they may not care much. I mean what difference does it make to an underwriter of a loan if the applicant had a BK 20 years ago? . None!?. Well now say he also had them 7 and 14 years ago, too! (MORE)
A wood stove built by King stove range company has FATSO on a hinged lid It is installed in your modern house build in 2003 How old is it?
King Stove . King Hardware purchased the Lizzie Loman Stove Works in Sheffield, Alabama in 1905. The foundry was renamed the King Stove & Range Company. They produced coal & wood heaters, stoves, and ranges. . In 1917, the Martin brothers purchased the King Stove & Range Co. from King Hardware. …King Stove & Range Co. then bought the Florence Stove Foundry in Florence, Alabama. They renamed the foundry in Florence the Martin Stove & Range Co. They expanded their line to include hollowware and sad irons. . A lot of collectors believe that King Stove & Range hollow ware pieces were produced in the Martin Foundry. . The Martin Stove & Range Company produced quite a bit of hollow ware. Collectors know of a few toys, and the standard items such as ovens, skillets, griddles, kettles, long pans, shallow skillets, ham boilers, sad irons, and gem pans. . Many Martin pieces were not marked. Once a collector knows the traits of the Martin pieces they are able to pick out their pieces. . It seems The Martin Stove & Range Company quit making hollow ware in 1953 except for a piece or two that seemed to be made for special uses. . In 1973, Martin Stove & Range and other companies, which had been bought over the years, merged and became Martin Industries. They are still in business today. www.martinindustries.com . So far I havent been able to find out any more about it. I need a value placed on my model 200 befor I sell it (MORE)
Most building regulations defer to the manufacturer's recomendations when it comes to appliances. I know this is true for fireplaces in my district.
You should change the flue if you have ever had a flue fire. you also can remove the base T and use a mirror to look up the flue. If the inside looks warped it should be replaced.
This repair is best handled by a professional, but if you can get your hands on a good quality 316 Ti alloy flexible stainless steel liner or rigid liner sections, you may be able to handle it with help from a friend. Most liners come with instructions from the manufacturer. Follow these closely. Ba…sically, you just push the liner down the chimney from the top and then hook it up to your wood burning appliance using a tee. Make sure the liner is large enough to handle the smoke. As a general rule, the liner must be at least as large as the outlet on the appliance. For example, if you hook up 6" smoke pipe to the top or back of your stove, then you need at least a 6" liner diameter. In some instances, the existing terra cotta or vitreous clay flue tiles must be removed before you can put in the liner. And remember, too, that for any solid fuel burning appliance (coal or wood) the liner has to be insulated with a ceramic wool insulation material or pour-down masonry based insulation mix. Probably best just to call a pro. If you are prepared to do it yourself, it can be easy, depending on the height, steepness of your roof, etc..., shop the internet well, there are a very few quality, reputable, fair priced companies out there, make sure of warranty, and type of liner, based on the ss grade, and style of liner... (MORE)
Can you convert a chapter 13 to a chapter 7 even though you previously had a chapter 7 discharged 7 years ago?
No. Too soon. . Under the bankruptcy laws effective on October 17, 2005, Chapter 7 cannot be filed unless the debtor was discharged from the previous Chapter 7 or bankruptcy more than eight years ago.. The debtor cannot file a Chapter 13 unless: (1) the debtor received a discharge under Chapter… 7, 11 or 12 more than four years ago; or (2) the debtor received a discharge under Chapter 13 more than two years ago.. . (MORE)
I got involved with a married woman and I love her but she never spent time with me. It was 2 years ago. Was I wrong to leave her and get back with my ex even though it was only for a little while?
You should not be involved with a woman married to someone other then you unless the husband consents. Leaving the married woman was a good move on your part.
Yes. Assigned risk plans exist to provide insurance for people who can't get car insurance through normal means. They do not interfere in any way with insurance companies selling normal car insurance.
Will Foremost cancel my mobile home insurance if I install a Mobile Home Approved EPA certified wood burning stove?
You posted this in Mobile Phones, not Mobile Homes. 1. Learn to read properly. 2. Once you've learned to read, contact Foremost and ASK THEM. Ans2 - Good answer, -I've learned that only insurance companies know why they may do strange and incomprehensible things
I fell in love with a boy about 3 years ago and im still in love with him even though i haven't talked to him what should i do?
OK so here's what you do... find him! coincidentally bump into him again strike up a conversation get the basic info out on the table.. things like family, job, how he has been don't be too forward, just let it flow, if it looks like your trying too hard he may think your obsessive. and it may turn …him off. just remain cool calm and collected. Try this i think it will work =]] good luck (MORE)
William Jefferson Clinton was president of the United States ofAmerica 20 years ago. Clinton was president from 1993 to January2001.
The Berlin wall in Germany crushed down. Also, it was twenty years ago today that Sgt. Pepper taught his band to play. They've been going in and out of style, but they're guaranteed to raise a smile.
Is it legal for a NH Condo Association to not remove lien even though we paid in full over 1 year ago?
It may be that in New Hampshire, a release of lien document is required in order to remove a lien from the court's records. You can request that the board supply you with a release of lien document so that you can file it with the court, thus clearing your title.
Do you need to get a divorce from my first marriage in Mexico even though I left the marriage 4 years ago?
You entered into a legal marriage in Mexico. In order to re-marry, you must end the previous marriage. A divorce decree is going to be needed in order to make any subsequent marriage legal.
How can you maintain a constant 13.5 volts DC at 20 amps even though the circuit will demand more amps as the temperature increases?
If the question asks how 13.5 volts can be supplied to a device that draws 20 amps (nominally), the supply responds to the setpoint selected (13.5 volts). The supply's voltage has the ability to actually change as the dynamic resistance of the device it supplies changes. That's weird because we want… the voltage to stay the same. The supply is actually changing the amount of current it supplies as the resistance of the load changes, and this will keep the applied voltage fixed at 13.5 volts. How does that work?. We know that for a given resistance, if we wish to supply a constant voltage, we will get a fixed amount of current draw. As the resistance changes (goes down) due to thermal effects, the supply will actually deliver more current to maintain the 13.5 volts. In this way, the supply can accomplish voltage regulation. It's classic Ohm's law. The volts equals the current times the resistance. If voltage is to remain constant, then the current times the resistance will have to remain constant. The only way this can happen is that as resistance goes down, current must go up. As the device heats up and its dynamic resistance decreases, the current it "demands" to keep the supplied voltage at the 13.5 volts goes up. The supply does all this automatically. (MORE)
There are several methods- one involves simply installing a facing of non-combustible material, such as brick. Other methods may use drywall with a ventilated space behind it.
Boyfriend of three years moved back to his country two years ago for his job and even though I haven't seen him in two years he wants me to move to his country?
Maybe something happened in thisjob of his n wants to surprise you with something new and wants you to come along
You are married but cannot stop thinking of your ex and that you want to be with him again even though you broke up 3 years ago?
You need to grow up and mature. Marriage isn't always rosy and perfect and to have a good marriage you have to have good communication skills between you and your partner and work through your problems. When you married you took an oath to be faithful to each other. If you find you have fallen out …of love with your spouse then you need to let him in on it and decide if marriage counseling would work. It's obvious you are unhappy and are transferring your feelings of wanting romance and expecting it from your ex. It can be human nature for some people to want what they can't have, but if you decide to cheat on your spouse then you could well lose a good marriage and your ex may already have someone in their lives or simply use you. No one respects a person who cheats on their spouse. (MORE)
Why does it take so long for water to boil on your electric stove even though it does not take long for the stove to get hot enough yet only does this with electric stoves and not gas stoves?
Water takes a long time to boil due to its specific heat. Wikipedia answers it with a lot of science (see link)http://en.wikipedia.org/wiki/Specific_heat_capacity but I have a slightly easier way of explaining it. So, we're dealing with two actual processes going on here. 1) First, you're rai…sing the temperature of the water from whatever it starts at to 100 degrees C (212 degrees F). Specific heat is a scientific formula that tells you how much energy it takes to increase one litre of something by one degree celsius, and water takes a whole bunch of energy. Metal has a low specific heat, its really easy to warm it up. You can hold a teaspoon of water in one hand, and a penny in the other, and the penny will feel warmer quicker, but it also will cool quicker. 2) The second process is changing the phase of water, from a liquid to a gas. It takes a LOT of energy to change something form a solid to a liquid, or from a liquid to a gas. (MORE)
The best way to clean the chimney of a wood burning stove is to purchase a brush sized for your chimney flue; insert and retract it down the flue to remove the creosote.
Husband moved out 1 year ago but comes in house when he wants and takes stuff even though i tell him not to can i change the locks?
Do you have a legal separation? Has either of you filed for divorce? Do you or your husband own the property? Do you rent? Whose name or names are on the lease? Buying a new lock will not give you legal standing or ownership, that has to be decided in a legal process. You need a lawyer. If you can'…t afford one, contact your local bar association or organizations that assist with women's issues. Get help now; if the first place you contact says they can't help you, then ask if they can give you numbers for other organizations. There are a number of them in most area so keep looking until you find one that can help. (MORE)
Wood burning stove is an excellent choice of warmth your home andit is a renewable energy source. An installation process of woodburning stove is very simple you have to follow these steps. 1) Determine the location 2) Wood stoves get hot and require adequate clearances. 3) Place non-combustible flo…or pads. 4) Install a heat shield to protect walls. 5) Place the stove into the position. 6) Install chimney. These are the mechanism which you have to follow duringinstallation of wood burning stove. (MORE)
The universe did not exist that long ago. The universe as we know it is only 13.7 billion years old.
No The efficiency of the combustion inside the woodstove depends on the temperature and the dryness of the wood. By controlling the rate at which air and fuel mix you can control rate of burn. A well-insulated flue may be useful in managing the rate of burn. I would STRONGLY disagree with t…he above answer. As a former chimney sweep with ten years + experience I find that most wood stoves when operating a peak efficency create more heat than is desired. This causes people to close down dampers to reduce airflow therby lowering the burn temperature. It is at these lower temps that creasote builds up in the chimney which is what leads to flue fires. With out the protection of a clay or steel liner the only thing separating the fire from your house is a single layer of brick and mortor that are not designed for these temperatures. The brick and mortor will literaly explode allowing the fire to reach the interior walls of your house and put you and your family in danger. If you do decide to use a free standing wood stove or fireplace insert without a proper liner PLEASE if the room get to hot open a door or window instead of shutting down the dampers. The use of an anti-creasote product helps this problem but you should have your chimney swept by a trained professional after every cord of wood burned. (MORE)
If a parent allows a 16 year old to date a 20 year old then 2 years later when the parent gets mad can they press charges even though they have known the whole time if so do the parents go down also?
First, where do you live, and second, press charges for what? If you're talking about having sex with her, I'm pretty sure the parent didn't say 'Sure, have sex with my minor child'. They may have allowed the dating, but dating does not mean sex. If you want an accurate answer, you need to provide… more details. (MORE)
I feel like I am stupid or handicapped even though I have a full time union job at 20 years old Would someone have told me by now or are people just not truthful about someone's shortcomings?
Many people, both with and without handicaps or disabilities, often feel "stupid" or not as quick or bright as other people. However, comparing ourselves to other people is rarely accurate. For example, you hold a full-time job. That fact proves you have a level of intelligence and knowledge. Someon…e else may not be able to do the job/work *you* do, even if the other person was proven to have a higher IQ than you. Each of us have areas of specialty. Yep, everyday people "specialize" by continually adding to knowledge through experience and effort. You may *think* a college professor is "smarter" than you, but consider this: could that professor do your union job, and do it as well as you do it? Even people who work in what many people in society *think* are lower level jobs have a talent, a gift, and specific knowledge. For example, I couldn't do the jobs of a cashier, a bus driver, or a heavy-machinery operator. If I tried to work as a cashier in fast food or in a bank, I'd likely give the wrong change (because my talent is not in math) and my cash drawer would not balance every day. I also could not be a scientist or chemist-- or a linguist or translator! I could never speak all those long chemical names, nor do I speak another language very well. If I had to work as a translator, I'd likely make a bunch of countries angry because I'd speak the language badly! At 20-years old, you will have many opportunities to invent and re-invent yourself. In fact, studies show that by the time people reach 50-60 years old they have often had several different careers. While our grandfathers and great-grandfathers used to stay in just one job their entire lives, now people have to take skills they already have and apply those skills to entirely different jobs. Or, many middle-aged adults end up going back to school to study for a different career than the one they had before. Being 20-years old and already having a union job says a lot about you and your abilities. Don't let other people put you down and don't feel inferior to other people. Look at your skills, honestly. Write down 5 things that you do in your job that make use of your skills and talents. Realize that every young adult must go through stages in the workplace; even CEOs/heads of companies started off at a lower position. You can work your way up in a job, gain promotions as you gain experience, and work toward your goals. Try to be gentle with yourself and give yourself well-deserved praise. We all need to become our own "cheerleaders" in life. Don't rely on how others think of you-- or how you think they think of you. As you gain confidence, it will be easier and easier to see that you are not "stupid", that you have worth, and that you have talents and skills that are unique to you. (MORE)
A first step will be to see if a permit is required where you live- some places require them. Next, if you have a NEW stove- READ the instructions. If you have a USED stove, check the condition- firebrick intact, unwarped doors, intact door gaskets, no missing parts or bolts. Consider where the stov…e will be placed, clearance from combustible surfaces (not just the sides, but top and bottom) and what type of chimney it will connect to. The link below is to a pretty good guide published by the State of Maine- and there are others. Finally- buy a fire extinguisher, and have plans to get your chimney cleaned. (MORE)
Have not changed that much in 20 years. Other than prices are a lot higher, and self service checkouts are more common now.
Not a good idea. It will smell like you just set a tar kettle on fire, and will re-deposit some creosote in your clean chimney.
Creosote is not created- it is naturally in the wood. A "cool" burn lets the creoste present in the smoke condense on the walls of the chimney. With a hot burn, the flue gasses are hot enough that less is deposited on the chimney. Wet wood gives a cooler burn.
Wood burning stoves are usually near floor level. So are gasoline vapors. Not a good combination, and you may have a building code conflict.
No. ----- Actually, the answer is a bit more complicated than that. There is such a thing as a wood gas generator, or wood gasification unit, which is designed to produce creosote. The gas produced can be burned to heat a home, cook, heat water, or even power a car. If you were to use such a t…hing to heat or cook, you would have to be prepared to deal with the fact that much of the gas is carbon monoxide, which is normally burned, but is a poison that has to be considered in case of combustion failure. There are solutions to the problem, and some are simple. One is to put the gas generator into the stove itself, or make it part of the stove. A TLUD (top lit up draft) stove works to do this. (I still would not use one indoors.) Another is to put the wood gasification unit outside the house where it is being used, and use the gas it produces externally to the house both to heat the house and to heat the wood to gasify it. If this is done, a flame failure stops the production of carbon monoxide. One of the side benefits of using wood gasification is that it produces charcoal, which has value. Compared to a wood powered central heating unit which is external to a house, a gasifier will produce about 75% of the heat, but burning two and a half cords of wood will produce about a ton of charcoal, which has a value of about two cords of wood. If the charcoal is used to make terra pretta, the entire process could conceivably be carbon negative in its day to day operation, as it would sequester more carbon than is released in the fossil fuels needed to keep it going. There is a link to an article on wood gas generator below. It includes a couple of photographs of vehicles that run on wood, with the gas generator attached. Also, in case you are asking whether it is possible to build a stove that burns the creosote it produces, so the chimney stays clear, the answer is yes. Stoves with catalytic converters have been produced, but they have limitations. My take on this is that it is better to use a stove that has a good draft and burns a hot flame, so the creosote is mostly burned in the firebox. Masonry stoves are also very good at this, and are quite efficient, though they can be very expensive. (MORE)
Yes, but the stove pipe should extend into the flue, and have a fire proof fitting- not just extending through a cover at the face of the fireplace, Consult a chimney specialist for an installation that will meet building codes.
Mainly creosote, which is released from the wood as a vapour during burning which then condenses on the inside of your chimney or flue liner. The cooler the chimney, the worse the problem, so burning your stove turned right down will speed up this build-up. Similarly, burning unseasoned wood or cert…ain species like pine & cypress can speed up this process. The cure is to sweep the chimney regularly and burn your stove hot from time to time. If you dont, one day the build-up can catch fire within your chimney. Lining the chimney with a stainless steel flue liner to increase the speed of gases up the chimney (preferably insulated liner to further reduce heat loss) also reduces the problem. (MORE)
Twenty years ago were the ever so fresh 1990.... Which doesnt seem so long ago does it..... We had the best of the best game consoles, like the fabulous game cube and sonic the hedgehog. Dont forget the Gameboy advanced and colour which you could play Zelda, Donkey Kong and the most awesome Tetris (…out much earlier but always loved even as the years when on)/ (MORE)
There have been tsunamis through all of Earth's history. They didnot just start in the past 20 years.
Nothing costs 20 times less than it did in the past, unless they are paying you to take the product. A simple example... 10 years ago Product A cost $1.00 for it to cost 20 times less today, they would need to pay you $19 to take the product... 10yrs ago less 20 times 10yrs ago Negative cost mean…s the seller owes 1.00 - (20 x $1.00) = -$19.00 (MORE)
It's not a necessary "upgrade" without the contract. You would end up paying full price for the phone or starting a contract and getting the low price for the phone
Your local telephone directory will have listings for all aspects of insurance. If you experience difficulty or cannot access a telephone directory, your local telephone operator should be able to offer assistance.
An Insurance Underwriter is a person who determines the risk ininsuring a client, evaluate insurance applciation and determine thecoverage amount and premiums.
The same things we travel with today, with the exception of hoverboards and Segways. We used cars, bikes, trains and planes 20 years ago.
Do you think the contributions of these scientists are still valuable even though some were made hundreds of years ago?
You didn't say what scientists, but science today is built on thecontributions of scientists from long ago. There are many examplesbut prominent among them Is Isaac Newton.