Www.Poz-Lok.com – How Can I File A Claim For The Poz-Lok Fire Sprinkler Class Action Settlement

Www.Poz-Lok.com – How Can I File A Claim For The Poz-Lok Fire Sprinkler Class Action Settlement

If you are wondering how to file a claim for the settlement, all you need to do is to go to the www.Poz-Lok.com site to download a PDF version of the form. Once you have downloaded it, you will have to print it out first before you can enter your information. You will need to fill this form out if you want to get money for the repair or replacement of the product. The product in this case refers to pipe or pipe fittings made by Poz-Lok which have been used in buildings since 1990. These products could have been used in either residential buildings or commercial buildings.  So the pipes can be prematurely damaged near the weld seam. You may also want to claim for damages that was caused by the pipes or pipe fittings in the sprinkler system.

You can enter your information in the Poz-Lok Fire Sprinkler Class Action Settlement claim form if you have a property that has the Poz-Lok pipe. If you have more than one property that has it, then you will have to fill out separate claim forms for each property. You will also have to provide some supporting documents. After you have downloaded the form from the www.Poz-Lok.com website, you will then be able to enter your personal information. You will then provide information about the property. You will enter the names of the owner of the property. If this is you, you will enter your name here. You will then have to enter the address if of the property if you are the property owner. If you do not live at that property, then you will have to provide the names of the people who are living there now. You will then have to provide information on the Poz-Lok Installation.

This includes information such as when the fire sprinkler pipe was installed on the property. You will also provide the Julian date that you will find on the pipe itself. This will be in either red ink or black ink. You will then have to answer some questions about the product or the installation. Then you will have to select the nature of your claim. Why are you submitting this claim. If you have had any leaks in the pipes or in the components that make up the pipes, then you will have to specify the date of the leak, the location of the leak and the description of the leak. There are lots of other questions which you will have to answer. This may take some time, so I would suggest that you print out the form and look at the questions. You will have to include any photographs or documents as evidence. In addition to all these questions, you will also have to answer some insurance information questions and also other claim information.

There is a separate section if you want to claim for reimbursement. This reimbursement could be for payments that you have already made. These payments should have been for the repair of the pipes or the replacement of the pipes. If there is not enough space for the information that you want to provide, you can include additional sheets of paper. There are tons of questions that you have to answer for this section. There is also another section if you want to make a claim for consequential damages. This should have been caused by the leaky pipe or component. The damage could be to your dry wall or even your flooring. Again, you will have to include photographs or other documentation for this section if this section pertains to you. Finally you will have to complete the certification section. Under this section, you must sign it, print your name, provide your title or position and finally enter the date.

If your claim form is incomplete or does not have your signature, then you will most likely be contacted by the settlement administrator asking you to complete all that information. If you do not submit within the time period allocated for you to respond, your application will be considered invalid. When this happens you will not get any money from this case.

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How Do I Get The Most Money For My Gold – Don’t Get Taken

How Do I Get The Most Money For My Gold – Don’t Get Taken

If you are wondering how do I get the most money for my gold, then you want to read these insights.  More importantly, you don’t want to get taken when you sell your gold for cash.  I had some gold jewelry that was passed on to me by my grandma. While it did have lots of sentimental value, I hit a hard patch and really needed the money for my finances. Thus, I had to think about selling it and needed to know how do I get the most cash for my gold. I explored a lot of shops that would buy gold.  Some I thought gave me a great price and others didn’t offer me very much.  So I decided I needed to look into the process.  What I learned actually surprised me.  Some of the different discrepancies in price from shop to shop made sense.  For example, I was showing one shop something that was 14 karat gold, others 18 karat, and others 24 karats.  So learning that some of what I had was more pure gold than others explained the price differences.  However, there were times when some of the places were offering me vastly different amounts of cash for my 24 karat gold. I was bound and determined to learn more.

One of the things I learned is that gold is considered a commodity and trades.  Thus, the price of gold can fluctuate and one needs to consider that when they ask how do I get the most for my gold. I have seen gold prices per ounce fluctuate by big amounts from day to day.  That could have been a major reason as to why one shop quoted me one price for my gold and another shop quoted a different amount a week later.  This is important information to know and you can find out what the price of gold is on the goldprice.org site.  That will help you better understand what the general value of gold is at the time you go to sell your scrap gold.  I wish I could tell you which direction gold prices were heading so you could time the market, but people can only speculate on what is going to happen and I don’t do that.  As a result, I wasn’t sitting around watching gold prices and wondering if it would go higher next week or not. 

However, what I was interested in finding out was how can I get the most for my gold as a percentage of what the market value was for that day.  In other words, I did some calculations and learned that some places offered me a wide range of prices for my gold.  Of the places that made offerings on my gold, I was offered in the range of 75% to 85% of market price.  When I first realized that, I didn’t know if that range was good or bad.  What a lot of people don’t comprehend is that, from what I understand, gold jewelry like mine needs to be smelted.  There are costs involved in that.  Also, when they do that, it appears that impurities burn off.  Thus, just because it weighs something when you go to sell it, it doesn’t mean that it will weight that same weight after the gold has been smelted. Furthermore, as mentioned above, gold prices fluctuate.  Hence, they could buy it from you and, when they are ready to resell it, the price on the open gold market could have gone down and they could theoretically take a loss.  Also, it could have gone up and they could make more money.  My point is that there is risk involved and I feel they deserve some compensation for that.

Nevertheless, the best answer I personally found for how do I get the most for gold is to take it directly to a refiner of gold.  However, that is easier said than done.  What I found out is that, in my area, gold refinery operations did not deal with the general public.  They told me that when I called they dealt with licensed businesses that dealt in some capacity in the field.  I asked them if my brother in law’s ring shop could bring stuff in and they said that if he was licensed to work in that capacity in the state, they would work with him as I understood it.  Much to my surprise, my brother in law sold his scrap gold from his ring making business to gold refineries all the time.  He even offered to take mine in for me if I wanted and told me that he gets about 96% of market value for his purest gold when he works with them.  To get an idea of what gold is going for, you might wish to consult the www.goldprice.org page to learn more.   I told him that I was interested in potentially taking him up on the offer, but I had a last minute change of heart because of the sentimental value of my grandma’s jewelry. I hope these insights helped you understand how to get the most for your gold.

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What Is My Retirement Age If I Was Born In – Important Info

What Is My Retirement Age If I Was Born In – Important Info

If you want to know what is my retirement age if I was born in a specific year, the ssa.gov retirement age site discussed below has important info that will inform this process.  However, it is critical to note that this might only give you one piece of the retirement puzzle.  In other words, the social security administration will merely provide you with when you will become eligible for your full retirement benefit.  A lot of people just assume that they can retire at age 65 with their full benefits that they are entitled for.  That, for many people, is not the case.  For example, if you were born in 1961, it appears your age to receive your fully eligible retirement funds won’t occur until you are 67.  Not everyone enjoys these when they turn 65.  It seems that is dependent upon your year of birth.  However, when people ask what is my retirement age if I was born before 1960, there might not be one simple number.  In other words, people can choose to retire when ever they want to.  It just means that you might not receive government related retirement funds you thought you might be eligible for at that elected time.

However, let’s begin with the important question of what is my retirement age for purposes of social security benefits.  On the www.ssa.gov/retire2/retirechart.htm site,  you will note different birth years in a chart starting with 1937 and before and goes through to 1960 and later.  I was surprised to learn that there was such a discrepancy.  I just assumed everyone was set to retire at age 65 and when I started looking seriously at my retirement planning, I got a shock.  Thus, if you do not know what year you will be fully eligible for your qualifying benefits, take a minute to apprise yourself of that.  As I was studying it, I thought to myself that there might be a few people who get a shock when they think they are going to retire with their full social security benefits at 65 and learn that they won’t be eligible until 67. Thus, this underscores why it is important that everyone begin their retirement planning in advance.  Unfortunately, I know a lot of people who did not do any form of retirement planning and they are still working even though they are well past their official retirement age. When I see senior citizens working out of necessity versus out of choice, it makes me feel very sad.  

Thus, this is the other side of the what is my retirement age question.  Yes, ideally we all contribute and ideally we will be eligible soon for our benefits, but wouldn’t you like to retire when you determine it is right for you.  That is my goal.  The truth of the matter is many people like me will need the social security payments to survive after we stop working.  However, I am striving to save now so that I can retire in advance of my official retirement age.  Furthermore, I’m trying to plan well enough that any social security benefits I receive can be used for activities I want to do for enjoyment during retirement.  I don’t want to be dependent upon them for my everyday expenses.  I think this is a goal that everyone should strive for.  Over the years, I have seen one too many people work until their official retirement age and then, when they do hang it up, they are too old to fully enjoy it because they have degrading health.  As a result, if you haven’t already done so, you might see if your company has any retirement programs that you could participate in like a 401k plan or a pension. 

I wish I had a pension like some of my friends. Many of them have defined benefit pension plans and have since retired with a wonderful income in their golden years.  Other people, might rely on different ways to cover their expenses after they stop working.  Some of my friends rely on investing to provide for themselves later on in life.  Although I dream of being independently wealthy and have tried to plan and save, the reality is that I will be dependent upon my social security checks for my existence.  Be sure to check out when you would be potentially eligible on the social security retirement age page.  They even have a retirement age calculator section to help you.  So confirm what your retirement age is and then spread the word to others.  They might not know how to check and they might appreciate the heads up.  Also, look in to setting up your own private retirement savings plans to help you retire earlier or to get more enjoyment out of your official retirement years. 

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What To Do In Case Of Fire – Some Safety Tips

What To Do In Case Of Fire – Some Safety Tips

Fires occur when you least expect it. However when it does happen, it happens so quickly that you have barely enough time to think much less get away. I know that when you see a fire in your home, you always think that you can contain it. And you may be thinking of what to do first. I have never had a fire in my home but have had a friend whose had burned down. She lost her pet in that fire and could not bear to live in that house anymore. So she sold it.

She told me what happened. She said initially the fire was so small that she was not really worried. So she took her time in trying to find the fire extinguisher. She knew she had one but could not find it under the kitchen sink. She looked in all the bathroom sinks and still could not find it. Then she when to her garage to look for it. That is what saved her life. She did find the fire extinguisher but by then, the fire was too large to contain. She managed to get out of the garage onto the street. One thing she told me is that you should never underestimate the fire. It can move very quickly and get large so quickly that it is best to get out of the house as soon as you can.

One rule of thumb she said was that if you have a fire extinguisher handy, you can fight the fire if it is smaller than you. However, if you cannot find the fire extinguisher, get out of the house as quickly as you can. An entire living room can burn down in just 2 minutes. In the 5 minutes that it took her to find the fire extinguisher, the entire house was engulfed. It was a good thing that the fire occurred when she was awake. What happened was that one of the floor lamps went up in flames. She still does not know what caused it but thinks it was electrical in nature.

In case of fire that occurs at night, make sure that you have working smoke alarms. That will let you know that you have a fire. If the smoke alarms goes off then it means that the fire is large enough that it has produced smoke. The best thing to do in that situation is to stay low. Crawl to the nearest exit as fast as you can. It is the smoke that will kill you. If the smoke is already getting thick, get a wet towel or blanket and put it over you. If you have a family, get all your family members out as quickly as you can. Do not worry about where the fire started. Also do not worry about your possessions. I took a fire safety class recently and the instructor told me that smart phones can be replaced. An iPad can be replaced. It is not worth your life. He said many people died because they went back into the burning house or building to get their cell phones or smart tablets.

One of the things most people do not know is that there are different types of fires. Class A refers to fires caused by wood, textiles or rubbish. You can use water to fight this type of fire. Class B refers to grease and flammable liquids. You will have to use foam to fight this type of fire. YOu can also use carbon dioxide. Class C refers to electrical fires. You can use carbon dioxide to diffuse them. Then there is the Class D type of fires. These fires are started by combustible metals. You should use dry powder to fight these types of fires. Finally Class K refers to kitchen fires. These are fires that are started by cooking oil or grease.

But whatever type of fire you encounter, your safety and the safety of your loved ones are paramount. Only call 911 after you are out of the burning building or house. If you do not have your cell phones, go to your neighbors. You will have to let them know anyway as you want to make sure that the fire does not spread.

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What To Do In Case Of Fire

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