|Forced Air Heating|
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Definition of Forced Air Heating
Forced Air Heating
A common form of heating with natural gas, propane, oil or electricity as a fuel. air is heated in the furnace and distributed through a set of metal ducts to various areas of the house.
The area between insulation facing and interior of exterior wall coverings. Normally a 1" air gap.
A system which uses ducts to distribute cooling and/or dehumidified air to more than one room or uses pipes to distribute chilled water to heat exchangers in more than one room, and which is not plugged into an electrical convenience outlet.
The space between the ground and the first floor of a home, usually no higher than four feet.
An opening to allow the passage of air through the unexcavated area under a first floor. Ideally there should be at least two vents per crawlspace.
Fiat Money is paper currency made legal tender by law or fiat. It is not backed by gold or silver and is not necessarily redeemable in coin. This practice has had widespread use for about the last 70 years. If governments produce too much of it, there is a loss of confidence. Even so, governments print it routinely when they need it. The value of fiat money is dependent upon the performance of the economy of the country which issued it. Canada's currency falls into this category.
This is the process by which "dirty money" generated by criminal activities is converted through legitimate businesses into assets that cannot be easily traced back to their illegal origins.
This organization was established in 1902. The Medical Information Bureau (M.I.B.) is a non-profit association of life insurance companies. Its purpose is to detect and deter fraud by providing warnings called, alerts, to member companies. For example, if an insurance applicant advised one insurance company of a heart attack and then applied to another insurance company omitting this history, codes, reported by the first insurance company, indicating a heart attack would alert the second insurance company to the undisclosed history. It is a rarity, however, that the alert is the only notice of a specific medical impairement as most applicants completely disclose their history.
Historically, damages paid out during settlement of personal physical injury cases were distributed in the form of a lump-sum cash payment to the plaintiff. This windfall was intended to provide for a lifetime of medical and income needs. The claimant or his/her family was then forced into the position of becoming the manager of a large sum of money.
A dictionary meaning for the word viatica is "the eucharist as given to a dying person or to one in danger of death". In the context of Viatical settlement it means the selling of one's own life insurance policy to another in exchange for an immediate percentage of the death benefit. The person or in many cases, group of persons buying the rights to the policy have high expectation of the imminent death of the previous owner. The sooner the death of the previous owner, the higher the profit. Consumer knowledge about this subject is poor and little is known about the entities that fund the companies that purchase policies. People should be very careful when considering the sale of their policy, and they should remember a sale of their life insurance means some group of strangers now owns a contract on their life. If a senior finds it difficult to pay for an insurance policy it might be a better choice to request that current beneficiaries take over the burden of paying the premium. The practice selling personal life insurance policies common in the United States and is spilling over into Canada. It would appear to have a definite conflict with Canada's historical view of 'insurable interest'.
All things of value owned by an individual or organization.
After premiums have been paid for a number of years, further annual premiums may be paid by the current dividends and the surrender of some of the paid-up additions which have built up in the policy. In effect, the policy can begin to pay for itself. Whether a policy becomes eligible for premium offset, the date on which it becomes eligible and whether it remains eligible once premium offset begins, will all depend on how the dividend scale changes over the years. Since dividends are not guaranteed, premium offset cannot be guaranteed either.
Gross household income is the total salary, wages, commissions and other assured income, before deductions, by all household members who are co-applicants for the mortgage.
A deposit made by potential home buyers during negotiations with the seller. The sum shows a seller that a buyer is serious about purchasing the property. The money usually is counted toward the down payment.
one of a row of houses connected with common side walls.
Corrugated metal or concrete barrier walls installed around a basement window to hold back the earth.
Balloon Framed Wall
Framed walls (generally over 10' tall) that run the entire vertical length from the floor sill plate to the roof. This is done to eliminate the need for a gable end truss.
A room with no specifically designated function, unlike a living room, bedroom, or kitchen. Is not included in the initial square footage.
Bull Nose Drywall
Rounded drywall corners.
Work performed by the electrical Contractor after the plumber and heating contractor are complete with their phase of work. Normally all electrical wires, and outlet, switch, and fixture boxes are installed (before insulation).
Electrical Service Panel
Refers to the high-voltage electrical system's first point of entry into a home beyond the meter.
Provides power for lighting, appliances, and heating & cooling in a home. A meter records usage for billing by your local utility.
insulation with an attached vapor retarder (kraft paper or foil-backed paper).
Fiber Glass Insulation
An energy-efficient glass fiber product manufactured by Owens Corning to ensure the best thermal and noise control performance available.
Foil-Faced Vapor Retarder
Created by coating a foil-backed paper with a thin layer of asphalt adhesive. The coated side of the foil-backed paper is then applied to the un-faced insulation material. The asphalt adhesive bonds the foil-backed paper and the insulation together.
Gable End Wall
The triangular end of an exterior wall above the eaves formed under a gable roof.
A device which uses compression and decompression of gas to heat and/or cool a house.
High Voltage System
Stapling to the inside portion of the stud or rafter.
Denser insulation products have more fibers per square inch and, therefore, give you greater insulating power through higher R-values.
aterial used to cover the interior framed areas of walls and ceilings
A wall-like structure that supports roof rafters.
Includes all exterior walls and any interior wall that is aligned above a support beam or girder. Normally, any wall that has a double horizontal top plate.
Provides security, entertainment, communications, environmental control, networking, and other functions generally powered by a signal cable, phone line or data cable. Is not typically metered.
A metal channel through which hot air, gas, steam or smoke may pass.
Metal Insulation Support
16" or 24" wire rod or crisscrossed wire to hold floor insulation in place.
A wall supporting no load other than its own weight.
Radiant Barrier System
A Radiant Barrier system (RBS) is a building section that includes a radiant barrier facing an air space.
A heating system which uses hot water, steam pipes or electric resistance coils to heat the floors, walls or the ceilings of a room.
Reflective Insulation System
Reflective insulation system is formed by a combination of low emittance surfaces and air spaces that provide reflective cavities, which have low levels of radiant energy transmission.
A passive solar wall, usually masonry or concrete, used for passing heat from one room (like a sun room or solar garden room) to another.
insulation with no attached vapor retarder.
A final inspection of a home before "closing" to look for and document problems that need to be corrected.
When a painter spray paints the interior of a home.
The section of a building that is served by one heating or cooling loop because it has noticeably distinct heating or cooling needs. Also, the section of property that will be watered from a lawn sprinkler system.
A device, usually placed near the heater or cooler, which controls the flow of water or steam to parts of the building; it is controlled by a zone thermostat.
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