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Definition of Stud
An upright piece of lumber or steel in a wall, to which panels, siding, drywall, or other coverings are attached.
One who has completed a course of study in building and design, and is licensed by the state as an architect. One who draws up plans and sometimes supervises the construction of homes.
Frame lumber installed between the wall studs to give additional support for drywall or an interior trim related item, such as handrail brackets, cabinets, and towel bars. In this way, items are screwed and mounted into solid wood rather than weak drywall that may allow the item to break loose from the wall. Carpet backing holds the pile fabric in place.
The lowest horizontal member of a wall which rests on the rough floor, to which the studding is nailed.
The empty space between studs or joists to place insulation batts.
Stapling facing flange to the front side of a stud or rafter, along the 1½" dimension.
Stapling to the inside portion of the stud or rafter.
Wall construction in which beams are supported by heavy posts rather than many smaller studs.
The horizontal member nailed to the top of the studding of a wall.
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 a very common form of life insurance which is found in employee benefit plans and bank mortgage insurance. In employee benefit plans the form of this insurance is usually One year renewable term insurance. The cost of this coverage is based on the average age of everyOne in the group. Therefore a group of young people would have inexpensive rates and an older group would have more expensive rates.
this means dying without a will, in which case the provincial laws of the province in which the death occurred apply to the manner in which assets will be distributed. In other words, if you don't write your own will, the government will do it for you after your death and it may not be as you would have wished.
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 is the restoration of a lapsed life insurance policy. The life insurance company will require evidence of continuing good health and the payment of all past due premiums plus interest.
this subject of replacement of existing policies is covered because sometimes existing life insurance policies are unnecessarily replaced with new coverage resulting in a loss of valuable benefits. If someOne suggests replacing your existing coverage, insist on having a comparison disclosure statement completed.
An insurance program designed to provide funds for insured's dependents upon death of the insured, and to also conserve, as much as possible, the personal assets that the insured wants to bequeath to heirs.
A type of insurance policy or annuity in which the owner receives dividends, typically increases the death.
CompOnent that provides life coverage during the insured's life.
Agreement of Purchase and Sale
A legal agreement that offers a certain price for a home. The offer may be firm (no conditions attached), or conditional (certain conditions must be fulfilled before the deal can be closed).
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.
A sum of mOney set aside in the construction contract for items which have not been selected and specified in the construction contract. For example, selection of tile as a flooring may require an allowance for an underlayment material, or an electrical allowance which sets aside an amount of mOney to be spent on electrical fixtures.
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 comprehensive set of laws that controls the construction or remodeling of a home or other structure.
A roofing composed of three to five layers of asphalt felt laminated with coal tar, pitch, or asphalt. The top is finished with crushed slag or gravel. Generally used on flat or low-pitched roofs.
Bull Nose Drywall
Rounded drywall corners.
A device which looks like a switch and is usually located inside the electrical panel or circuit breaker box. It is designed to (1) shut of the power to portions or all of the house and (2) to limit the amount of power flowing through a circuit (measured in amperes). 110 volt household circuits require a fuse or circuit breaker with a rating of 15 or a maximum of 20 amps. '220' volt circuits may be designed for higher amperage loads e.g. a hot water heater may be designed for a 30 amp load and would therefore need a 30 amp fuse or breaker. also see GFI
All drawings, specifications and addenda associated with a specific construction project.
The carpenter contractor that installs the lumber and erects the Frame, flooring system, interior walls, backing, trusses, rafters, decking, installs all beams, stairs, soffits and all work related to the wood structure of the home. The Framer builds the home according to the blueprints and must comply with local building codes and regulations.
Gable End Wall
The triangular end of an exterior wall above the eaves formed under a gable roof.
GFI -See Ground Fault Current Interrupter
Ground Fault Current Interrupter
An electrical device used to prevent injury from contact with faulty electrical appliances and faulty wiring
aterial used to cover the interior framed areas of walls and ceilings
A wall-like structure that supports roof rafters.
Slightly wedge-shaped boards used as horizontal siding in a lapped pattern over the exterior sheathing. Varies in butt thickness from ½ to ¾ inch and in widths up to 12".
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.
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.
See Lap siding
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.
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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