Definition of Balusters

Balusters

Vertical members in a railing used between a top rail and bottom rail or the stair treads. Sometimes referred to as "pickets" or "spindles."

Balustrade

The rail, posts and vertical balusters along the edge of a stairway or elevated walkway.

Preferred Rates

As non-smoking rates caused a major reduction in the cost of life insurance in the early 1980's, the emergence of preferred non-smoker rates in 1998 has caused another noteworthy reduction in rates. A growing number of insurance companies are offering better rates which go beyond simply looking at gender or smoking habits. Other health related factors such as physical build, lifestyle, avocation and personal and family health history indicating longer life expectancy can add up to significant cost savings to new life insurance applicants. Make certain to ask about these new preferred rates.

Preferred Beneficiary

used in older contracts to confer the same rights as an irrevocable beneficiary. Applied to family members.

Bottom Plate

The lowest horizontal member of a wall which rests on the rough floor, to which the studding is nailed.

aterial used to cover the interior framed areas of walls and ceilings

Top Plate

The horizontal member nailed to the top of the studding of a wall.

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