Monday, June 27, 2011

Personal Finance And Its Management

Individual Finance And Its Management

Article by Khurram Zaveri

What does the phrase personal finance mean? The way we utilize the principles of finance to the financial conclusions of folks or family unit decides the competence of our ability to deal with our personalized finances. It is the routine maintenance of a budget, its conserving and paying with an eye on the chance of financial crunch and future occasions. In the broader perspective it includes checking and savings account, credit cards, client loans, stock investments, retirement options, insurance policies and cash flow tax management. As one could take it, this is not an effortless job and it involves dynamic preparing with regular monitoring and evaluation. Placing up a aim is anybody?s sport but executing it requirements particular skill. Perseverance and discipline is obligatory for accomplishing any target. For this you need the proficiency of a personal finance supervisor which is nicely versed with the nuances of fiscal issues. How about stream lining your personal finances through a individual finance supervisor? Do you know it is far protected to go for it relatively than struggling with dealing with income issues and frantic schedules? Organize your finances with the assist of a private finance manager. Normally if you go for managing it on your personal you will be perplexed and stressed out. Managing personalized finances on your personal gets a challenging, tedious encounter where as it is a cakewalk if you use a personalized finance manager software with deep rooted integrity helps you out with your income blues. The most significant challenge you deal with even though dealing with money matters is that you may be blemished by bad credits and mismanagement of funds which puts you in soup as soon as yet again. Once a defaulter always a defaulter goes the adage, but you will be redeemed if you pick the proper private finance manager. It assists you by giving a fair likelihood to recoup what is been misplaced. Really usually it is not the lack of funds but the mismanagement that results in paucity.

About the Author

Khurram Zaveri is a nicely-recognized personalized finance professional and the author of the Free of charge desktop based individual finance computer software: Spryka Desktop Spending budget

Go to http://www.DesktopBudget.com to download your No cost backup now!

Related posts:

  1. Using Personal Finance Software to Manage Your Finances
  2. Choosing the Best Personal Finance Software
  3. Top Personal Finance Software
  4. Money Manager Tool
  5. A Short Review of the Greatest Personal Finance Software

Source: http://www.usarant-tf1.org/personal-finance-and-its-management.html

hipster quizzes shutter island fandango monaco marathon emporium

Sunday, June 26, 2011

Pa. Republicans Aim to Pass Voter ID Legislation (ContributorNetwork)

Back in 2006, Pennsylvania Gov. Ed Rendell, a Democrat, vetoed a bill that a largely Republican legislature passed that would have required voters to show identification before casting a vote in any election. Fast forward to 2011 and the Republicans are asserting their presence to bring photo ID verification to places of polling everywhere, reports he Pittsburgh Post-Gazette. This time around, Republicans control the state House, Senate, and governorship. A bill that would require voters to show photo ID before having their say may speed through into law. Here is a look at some of the questions:

Why require photo ID to vote?

The main reason behind a photo ID requirement has to do with eliminating voter fraud, according to the Pittsburgh Tribune-Review. While the exact number of instances of voter fraud in Pennsylvania is somewhat unclear, in 2008 the GOP claimed that a community group, ACORN, had falsely registered voters to swing support in favor of soon-to-be-President Barack Obama. ACORN would soon after have a few problems of its own.

Would the be any exceptions?

While Pennsylvania Democrats attempted to place a number of exceptions to the photo ID rule via amendments to the bill, Republicans managed to shoot them all down. However, the bill includes exceptions for anyone with religious beliefs against being photographed and residents in care facilities that serve as their place of polling.

Will the state senate pass the bill?

State senators have said they will review the bill before acting on it. Since the legislation passed along party lines in the House, the Senate is likely to pass the bill along similar lines. By extension, Corbett, who is Republican, is likely to put his signature to the document.

Is the bill constitutional?

While opinions are somewhat split, the constitutionality of the law was challenged by state Democrats several times. The main sticking point is that photo IDs generally need to be purchased, which could come into play in the inevitable legal challenge to the legislation. The Lubbock Avalanche-Journal, other states are also grappling with the same problem. However, supporters are quick to point out that the law simply guarantees the constitutional right of one person and one vote.

Isn't it going to cost money to enforce the law?

In short, enforcement of any legislation costs money. As for how much, no one really has that answer, but Democrats claim the total could be millions of dollars a year, reports the Associated Press.

Jason Gallagher is a former travel professional and long-time Pennsylvania resident. These experiences give him a first-hand look at developing situations in the state and everything included in the travel industry from technology to trends.

Source: http://us.rd.yahoo.com/dailynews/rss/gop/*http%3A//news.yahoo.com/s/ac/20110624/us_ac/8692803_pa_republicans_aim_to_pass_voter_id_legislation

jennifer connelly tenacious d elder scrolls skyrim greasemonkey mba chrome 12 alec baldwin

National impact from New York marriage law: experts (Reuters)

NEW YORK (Reuters) ? When New York became the sixth and by far the largest state to legalize same-sex marriage, following a grueling overtime session in the state Legislature on Friday, it immediately transformed the national debate over the issue, legal experts said.

With a population over 19 million -- more than the combined population of the five states that currently allow gay marriage, plus the District of Columbia, where it is also legal -- New York is poised to provide the most complete picture yet of the legal, social and economic consequences of gay marriage.

"I think that having same-sex marriage in New York will have tremendous moral and political force for the rest of the country -- in part because New York is a large state, and in part because it hasn't come easily," said Suzanne Goldberg, a professor at Columbia Law School.

The New York Assembly passed same-sex marriage legislation twice before, in 2007 and 2009, but in both cases it stalled in the state Senate, as it nearly did again this week. The bill passed late on Friday after legislators agreed on language allowing religious organizations to refuse to perform services or lend space for same-sex weddings.

The new law's impact can be measured in part by the numbers at play: New York is home to more than 42,000 same-sex couples, according to an analysis of U.S. census data conducted by the Williams Institute. This means, among other things, that the number of same-sex couples living in states allowing same-sex marriage has more than doubled overnight.

REAL-WORLD DATA

If a significant portion of those couples choose to marry, it could provide a wealth of new information about the practical economic effects of such legislation, from employment and retirement benefits to divorce rates and wedding and tourism industries, said New York University Law School professor Arthur Leonard.

Parties on both sides of the issue frequently invoke the hypothetical economic impact of same-sex marriage, Leonard pointed out, so the influx of real-world data from New York could go a long way toward changing those hypotheticals into concrete facts.

"It becomes less of an experiment the more information we have," he added.

The ripple effect of the new law is likely to provide more than just information, said Goldberg. New York's mobile population means that the effects of the law will reach literally into other states.

"New Yorkers tend to move about the country quite a lot," Goldberg said. "High numbers of same-sex couples likely to marry here will increase pressure on other states to treat those couples fairly."

Currently, 39 states have laws defining marriage as between a man and a woman, according to statistics from the National Conference of State Legislatures.

NEW YORK UNIQUE

For states considering how to handle calls for same-sex marriage, Massachusetts -- the first state to legalize it, in 2004 -- has generally served as the reference point, Leonard said. But he noted that New York was different from Massachusetts for two primary reasons.

First, it has more than three times as many people. Second, New York instituted same-sex marriage through legislation, complete with religious exemptions. Massachusetts, on the other hand, established the right to same-sex marriage in a court ruling.

The significance of that difference cuts both ways, said Michael Dorf, a professor at Cornell Law School who studies the constitutional and social consequences of same-sex marriage in the United States.

When legislation fails to pass, it can serve as evidence of a minority group's political weakness or of widespread prejudice against it, Dorf said. Both are factors courts use under an equal-protection analysis to determine whether to intervene and protect minority rights. The New York legislation's success, in contrast, could lead judges in other states to say, "'We don't need to intervene, let the political process work this through,'" Dorf said.

But because courts are also wary to make rulings that are perceived to be too far outside the mainstream, the New York law may begin to tip that balance.

"To the extent that the anti-same-sex marriage argument has been that this is a radical change and incompatible with the country's social mores, the fact that the country's third most populous state has done so shows that it may not be," Dorf said.

Regardless of the immediate impact of the law, Dorf said, politics and public opinion on the issue "are in the course of rapid change."

"It seems inevitable that we'll have same-sex marriage in most of the states within a decade," he said.

(Reporting by Jessica Dye; Editing by Jesse Wegman)

Source: http://us.rd.yahoo.com/dailynews/rss/us/*http%3A//news.yahoo.com/s/nm/20110625/us_nm/us_gaymarriage_new_york_impact

apple icloud dday steve jobs paul mcdonald nikki reed engadget d day

Study: Android Phones More Prone to Hardware Problems (PC Magazine)

A nearly year-long study of 600,000 support calls has found that Android phones are more susceptible to hardware faults than other types of devices.

The study, conducted by WDS, found that 14 percent of all technical support calls for Android devices could be traced to a hardware fault, versus 3.7 percent for RIM BlackBerry, 8 percent for iPhones and 9 percent for Windows Phone 7 devices.

WDS did not disclose how many support calls in general technicians fielded for each platform. The study covered 600,000 support calls from June 2010 to May 2011 and covered Europe, North America, South Africa and Australia.

Analysts at WDS, based in Poole, Englasd, could not be reached for comment.

WDS attributed the gap in hardware faults to the disparity in OEMs that manufacture Android devices, 35 in all. Android is licensed to OEMs under an open-source license. Microsoft also licenses its Windows Phone OS to other OEMs, while Apple and RIM build their own phones.

"Android has been instrumental in bringing smartphone technology into the mass-market. The maturation of the industry, availability of hardware components and a reduction in manufacturing costs has seen some OEMs drop the price of Android smartphones below US$100," Craig Rich, chief marketing officer at WDS, said in a statement. "However, many of these factors are also driving varying levels of hardware quality into the market, in turn delivering an inconsistent customer experience."

Not surprisingly, the Android faults were more common on certain undisclosed brands, WDS found. Common faults included keypad/button failures and microphone and battery issues, the firm said.

The WDS findings are probably good news for Microsoft, assuming June research released by IDC is correct. Android will continue its climb toward mobile operating system dominance, capturing about 40 percent of the market in the second half of 2011. Windows Phone 7, meanwhile, will benefit from Microsoft's partnership with Nokia, and capture the number-two spot, as well as 20 percent market share, by 2015, IDC said.

PCMag.com reporting has also found that both Android and Apple iPhones are also winning over corporate IT support staffs, as the line between home and the workplace continues to blur.

Source: http://us.rd.yahoo.com/dailynews/rss/personaltech/*http%3A//news.yahoo.com/s/zd/20110623/tc_zd/266090

good morning america gma stanley cup solar eclipse bac cia pdt

Saturday, June 25, 2011

WiFi Baby 3G review, or: How we learned to stop worrying and love a surveillance camera

Obsolescence. Its avoidance is the biggest problem facing any gadget nerd. This affliction, this curse that disables so many would-be tablet and smartphone buyers, only intensifies for those of us who somehow manage to procreate. See, newbie reproducers, temporarily insane from an overblown sense of paternal concern, will pay just about anything for products promising to make their new baby healthier or happier, regardless of the product's potential lifespan. Come on, parents, admit it. Just look at that $100 bottle sterilizer you've already replaced with a more convenient pot of boiled tap water. Or how about that $380 hands-free breast pump that went idle after 6 months of occasional use or that $1,000 euro-exotic stroller that turned out to be too bulky to regularly transport by car? Your well-meaning, but irrational ways made you an easy target for the baby-care industry that places your ilk on the sucker-side of the consumer savviness scale.

Just look at the extortionary prices of the typical babycam. You can easily spend between $200 and $300 for a so-called "top-of-the line" monitor that's plagued by radio interference, poor range, and shabby video quality. To make matters worse, these single-purpose cameras lose their usefulness once baby is grown. So what's a rational, resourceful parent to do? Easy, use an IP-based surveillance camera as a baby monitor instead. Not only do you get a superior wireless camera for about the same price (or less), you have the option of repurposing it for inclusion in your home automation or security system after baby is grown. That's what we've been doing for several weeks now thanks to WiFi Baby. And you know what? We'll never go back to traditional baby monitors again. Click through to find out why.

Continue reading WiFi Baby 3G review, or: How we learned to stop worrying and love a surveillance camera

WiFi Baby 3G review, or: How we learned to stop worrying and love a surveillance camera originally appeared on Engadget on Fri, 24 Jun 2011 11:02:00 EDT. Please see our terms for use of feeds.

Permalink   |   | Email this | Comments


Source: http://feeds.engadget.com/~r/weblogsinc/engadget/~3/o2nvRkkaZ5U/

nickelback club under armour infiniti harley davidson amanda bynes lily allen

Robert Eisenman: Who Killed Orde Wingate?

Orde Wingate is perhaps so famous that there is no need to summarize his life. There are a plethora of good biographies, pro and con, for these purposes; but just for the argument, let us summarize a few points here. His father was first cousin to Sir Reginald Wingate, Governor of the Sudan before, during, and after the First World War and one of the key sponsors of T. E. Lawrence's ("Lawrence of Arabia") military activities in the Hejaz, Jordan, and Syria (Sir Reginald was mainly the supplier of the gold sovereigns Lawrence use to buy his Bedouin confreres, without which they would hardly 'lift a finger' as it were). ???

Throughout his life, Wingate referred to him as "Cousin Rex" (it was through him too that he was later to find out that he was a distant cousin to Lawrence on his mother's side) and at key junctures in his career was able to turn to him for a helping hand 'up the greasy Pole' as Disraeli was wont to call it.?

From early youth Wingate, who was at first home-schooled because his parents wished to keep him away from pernicious influences before going as 'a day boy' to the famous British Public School of Charterhouse and from there to the British Military Academy at Woolwich, always felt himself "a man of destiny" -- a phrase echoed in Churchill's famous encomium to him at the end of this article -- and he was, despite his ill-timed and unhappy death.

Born in India where George, his father, was a colonel and part of 'the British Raj'; he was brought up with his numerous brothers and sisters in the extreme Evangelical and Fundamentalist Christian sect known as "the Plymouth Brethren" and, not surprisingly, always felt a kinship with Oliver Cromwell as a man destined to do great things related to the Bible, from which he always quoted liberally to his troops before going into battle -- but this from the Old Testament, never the New which he felt was unrealistic and unsuited to the choice of profession he had made. The Old Testament suited him perfectly.

Encouraged by "Cousin Rex" to perfect his Arabic at London University's prestigious School of Oriental Studies and, under his 'tutelage', likewise, posted to the Sudan in the late Twenties/early Thirties, he learned the ways of tracking and treating his body and his spirit hard in hunting both ivory poachers from Ethiopia and slavers from Somalia. He had previously, as a bored young officer in England after Military Academy graduation, participated in fox hunting and ultimately, steeple-chasing where he won not a few competitions and cups -- developing a demeanor and attitude that was seen to be 'utterly fearless.' It was under these circumstances that he developed his ideas of guerrilla warfare, almost always fighting at night, knowing how to track in difficult terrain, driving both man and beast to their limits.

At the end of his service in the Sudan, he made the famous "Trek to Zerzura," which was actually written up by him for the Royal Geographic Society, made famous by the English Patient movie and Count Laszlo Almasy, with whom "Cousin Rex" encouraged him to cooperate; but in his usual manner he made the trek alone in 1933. On the voyage home, following this show of exploration bravura and totally exhausted, he met his future wife, the lovely and charming 16-year-old Lorna, whom he was to marry two years later just as he was being posted to Palestine as an intelligence officer.

It was during "the Arab Revolt" in 1936 and, thereafter, that he encountered his true "calling" as it were, which he always knew he had -- to lead a Jewish Army into battle; and, while there, many consider that he laid the foundations for the Israeli Army to come -- if not totally 'the Army,' certainly many of its future officers like Moshe Dayan and Yigal Allon and its fighting methods. He even said as much at one of the "Training Sessions" he organized (with future Field Marshall Archibald Wavell's blessing) in 1938, i.e., "we have come here to lay the foundations for the Jewish Army." Of course, for most run-of-the-mill English officers, who were largely pro-Arab anyhow and against more Jewish immigration to Palestine at this crucial time, such language was blasphemous bordering on "treason" and just increased the number of enemies he always seemed to accumulate at GHQ's.

Not for Wingate. He taught Jewish settlers and Haganah enlistees to go out from their previous closed-in and defensive-like stockade enclosures, fearlessly at night like their enemies, to often blindly track the land with nothing but a compass, a flashlight, and a topographical map to hunt and ambush marauders and terrorists. He felt that Jewish soldiers could be as good or better than any British and, reporting the same to "Cousin Rex," he founded the combined units known as "Special Night Squads" (SNS) composed of mixed Jewish and British personnel.

Always hated at GHQ too for his sloppy dress, his lack of respect for authority, his eccentricity (often he would sit in his tent naked with nothing but a pith helmet or stand in front of his recruits reading passages from the Bible -- usually about his favorite character Gideon, who only wanted to fight with 'picked men' and in whose environs, Daburiyyah, he did much of his fighting -- and actually called his force in Ethiopia, when he arrived there, "Gideon Force"), and seemed to revel in either shocking or affronting his superiors; he was so successful in protecting the pipelines and stopping cross-border raids that he was finally expelled from Palestine at the instigation of the Mufti and his confreres and most of the other anti-Semitic and anti-Jewish-settlement Headquarters rank and file officers in 1939, just at the time it was most needed, with the proviso -- never to return to Palestine.?

He never did, but before he left, he even urged his Jewish friends and associates, by whom he was called "the Yedid" -- "the Friend" (he was very close to Chaim Weizmann) -- to start the Uprising against the British right then and there by themselves raiding the oil refinery at Haifa -- again virtual "treason"; but in the face of Hitler's pronouncements and depredations, he felt this was the only way they would be able to "save" their European Jewish brethren. In this, he turned out to be, sadly, almost completely correct -- even prophetic. He even volunteered to lead them -- he felt that strongly about the situation.

Who knows, perhaps if he had known or made contact with the Jabotinsky Revisionist faction at the time, he might have been more successful. Even the later Altalena tragedy or fiasco between Labor and Revisionist Zionists (recently written about in the Jerusalem Post) might have been avoided -- again, who knows? But he did not. He left the country in disgrace, never to return (except on one airplane-refueling stop on his way to India and Burma later); but he never gave up the idea of returning to found a Jewish Army, which he thought would be the best in the world since he considered the Jewish fighting man, when properly trained, to be the best; and perhaps under his leadership it would have. Wingate never lost a battle in his life.

This was in May, 1939 just at the time Hitler's armies were advancing across Europe. In London, Wingate continued working feverishly through everyone he knew, including Weizmann and Ben Gurion (who were much more phlegmatic and less impetuous and incautious than he), to get a Jewish Army into action.?

His next action was to be Ethiopia. It was to be the first British victory in the Second World War and he did it all with irregulars, including kibbutz volunteers he had trained in Palestine and had specially brought down at his request; and it was done, once again, through his old protector Archibald Wavell, whom at this point had become a full General and Commander-in-Chief of all British Forces in the Middle East. Apparently Wingate had already predicted to one of his sisters that one day he would restore Haile Selassie to his Throne in Ethiopia. He also apparently told the same thing during their courtship to his future wife Lorna -- whom he married in 1936, the same year he was posted to Palestine.

The Italian invasion there (in collusion with the French) had begun in 1934, just after Wingate had left the Sudan and finished his Zerzura Expedition. By 1936, despite League of Nations condemnation and native resistance, Mussolini had succeeded in expelling the Emperor. Wingate was sent in by Wavell, who remembered his earlier effectiveness with irregular forces in Palestine, in November, 1940. By May 5th, 1941 after a series of engagements fought by mixed British, Palestinian, and native forces in Northern Ethiopia, Wingate mounted on a white charger was escorting Haile Selessie who, frazzled and weary, preferred riding in a Ford convertible into Addis Ababa six years after his discomfiture.

Now the events that led to Wingate's greatest fame and demise were about to unfold. First of all, it was in Ethiopia that Wingate had his first encounter with then Colonel, later Field Marshall, William Slim who had command of a small mechanized unit, which had suffered many reverses coming up from the South with a mixed group of Kenyans, British, and Indian Army units, which had also been badly mauled. Wingate's extraordinary success doubtlessly did not sit very well with these groups or these commanders. Once back in Cairo, Wingate's report of the Ethiopian Campaign (Wavell now having departed) was flatly rejected at GHQ and all those he recommended for DSO's denied. In turn, Wingate considered that his extraordinary success there entitled him, once more, to return to Palestine and raise an Army of Jewish Volunteers (this did eventually transpire, but much smaller and later than Wingate envisioned -- called, as everyone now knows, "the Jewish Brigade").

Then in despair, all his hopes having been dashed; on July 4th, 1941 Wingate did the unthinkable for a British Officer -- he tried to commit suicide, plunging a bayonet into his throat in his room at Shepheard's Hotel and only being saved from cutting both his carotid artery and jugular vein (he had stabbed himself from both sides -- he was later determined to have been suffering from severe cerebral malaria) by the involuntary tightening of his neck muscles. By September, he was on a Hospital ship on his way back to England which docked in his family's native Northern Scotland in mid-November.

Now in disgrace for the second time, though people like the famous explorer Sir Wilfred Thesiger, who had served under him in Ethiopia, thought he deserved an MBE for his achievements there (by a twist of fate, the General Cunningham of the unsuccessful British/Kenyan Southern Forces and Slim's superior too, who had Wingate banished from Ethiopia, was ultimately the last British Governor of Palestine when Jewish Independence was declared in 1948); nevertheless Wingate did not have to wait long for the final triumph and tragedy of his life.

The second installment of this post will appear on Monday.

?

Source: http://www.huffingtonpost.com/robert-eisenman/post_2154_b_884195.html

kendo akita devil lucas bonnaroo lil kim bonnaroo 2011 lineup

California stops paying its legislators. What happens now?

The decision by a California official to stop paying state legislators until they pass a balanced budget means Democrats are under increasing pressure to act.

Los Angeles

California voters' pioneering attempt to force their lawmakers to pass a balanced, on-time budget is heaping new pressure on the state's Democratic legislators, analysts say.

Skip to next paragraph

State Controller John Chiang decided Tuesday that voter-approved Proposition 25, passed last November, requires him to withhold the paychecks of state legislators for the foreseeable future, saying the budget passed by the Democratic-controlled Legislature on June 15 was not balanced. Prop. 25 requires legislators to pass a balanced budget by June 15 or forfeit their pay for each budget-less day thereafter.

That leaves Democrats facing the same conundrum as before, though now without pay: Do they embrace a massive all-cuts budget to shore up the $9.6 billion deficit or compromise with Republicans on a plan to extend certain tax rates set to expire?

Republicans having shown no sign of budging for months: They will allow a special election on extending the tax rates only if Democrats allow spending-cap and pension-reform measures to appear on the ballot, too. Meanwhile, Gov. Jerry Brown (D) says he might release his own all-cuts budget proposal.

That leaves the ball in the Democrats' court, say analysts.

?The pressure is on the Democrats; they are in charge,? says Tony Quinn, co-editor of the California Target Book, in an e-mail. ?They can have the tax election Governor Brown wants, but only if they are willing to put a spending cap and pension reform on the same ballot."

"Thus far, the public-employee unions have pressured the Democrats not to do this. But it is the only way to move the process along," he adds. "Either compromise with the Republicans over the tax election, or do a full-cuts budget. There is no other choice.?

Prop. 25 is providing the impetus for forcing legislators to come up with another budget that works, says Hal Dash, CEO of Cerrell Associates, a Democratic consultancy in Los Angeles.

"This does have the leverage the people wanted it to have,? he says. ?Now [legislators] have to get back to the negotiating table, and what makes you respond quicker: The governor yelling at you, or no money for groceries? Feeding your family and putting gas in the car wins every time.?

Source: http://rss.csmonitor.com/~r/feeds/csm/~3/Lq_1v4O0FpM/California-stops-paying-its-legislators.-What-happens-now

harley davidson amanda bynes lily allen spyware doctor last friday night bermuda triangle judy moody and the not bummer summer

Icompetent Builder Yahoos And Second Floor Toilets - Plumbing ...

Old Today, 09:01 AM ? #1

Newbie

?

Join Date: Jun 2011

Posts: 5


Well I have been trying to find the source of a second floor leak that has ruined the ceiling in my dining room. I figured it had something to do with the toilet but could not figure out why it was leaking all time unless I had a supply line leak.

Well I finally cut a hole in the wet sheet rock and pulled the toilet off the flange and find out that the wax seal was leaking. The way the flange was placed was the problem. It was sitting on top of the sub floor and flush with the top sheathing. So any leaks you funnel water between the sheathing and the sub floor. The wax seal did not extrude into the funnel of the flange face so as soon as something shifted and it will shift you have a leak. The flange is only being held in by nails (stupid) and there was no sealant between it and the sub floor. It would have been easier for them to mount the flange on top of the floor with screws and put RTV under it. This would keep leaks away from the ceiling and make it apparent I had a problem before $1000 worth of damage was done to my house.

So should I take the time to cut out the flange and replace the elbow and the flange and seal it properly so it is flush with the floor and not the sub floor. This will require me remove more sheet rock or should I just get a fatter wax gasket and call it good and hope I don't have any more leaks. I could also get one of the foam rubber gaskets and RTV it to the flange and the toilet. I know this is against convention but I don't think it would ever leak again.

The biggest issue is repairing my popcorn ceiling in the dining room and making it match with the rest of it. I have done this before and it is a royal pain. I used one of those spray cans. I was not aware at the time that the entire contents of the can come out in about 3 seconds.

I really don?t want this to happen again because of the time involved to repair the ceiling not to mention the mess of sheet rock dust throughout the entire house.

Any Suggestions

Perry


perryg114 is offline ? Reply With Quote

Warning: The topics covered on this site include activities in which there exists the potential for serious injury or death. DIYChatroom.com DOES NOT guarantee the accuracy or completeness of any information contained on this site. Always use proper safety precaution and reference reliable outside sources before attempting any home improvement task!

Old Today, 09:12 AM ? #2

Super Moderator

?

Join Date: Sep 2009

Location: Kane county,Illinois

Posts: 4,448


Sealing the floor---making it completely water proof is not standard practice.

Also not needed if the flange is firmly attached and the wax ring is installed correctly.

__________________
New members:Adding your location to your profile helps in many ways.--M--

oh'mike is offline ? Reply With Quote
Old Today, 10:03 AM ? #3

Newbie

?

Join Date: Jun 2011

Posts: 5


Well personally I think things should be built with more than a 20 yr lifetime and seal failure should not lead to ceiling repair but ,of course, this is not good for job security. The floor was not even remotely water proof. A leak should be between the toilet and the floor especially when dealing with second floor bath rooms. A house that is 20 yrs old should not require an entire gut and remodel because it was not done right in the first place.

Perry

perryg114 is offline ? Reply With Quote
Old Today, 10:32 AM ? #4

Doing it myself

?

Join Date: Apr 2006

Location: Crescent City, CA

Posts: 1,283


Quote:

Well personally I think things should be built with more than a 20 yr lifetime and seal failure should not lead to ceiling repair but ,of course, this is not good for job security. The floor was not even remotely water proof. A leak should be between the toilet and the floor especially when dealing with second floor bath rooms. A house that is 20 yrs old should not require an entire gut and remodel because it was not done right in the first place.

Perry

Nobody is going to build you a house and give you a lifetime guarantee on anything in it. Reason being is they can't tell what you've done with it and then covered it back up after they left. As stated before it isn't normal to put any kind of sealer on the subfloor, nor is it required to seal the closet flange to the subfloor. If the toilet itself wasn't properly supported (IE movement in the floor system?) that could cause the wax seal to break free and then cause problems. I have seen this many times in budget building. Max out the span on the floor joists, and minimum thickness subfloor, you get a little bounce. Everything moves, wax seal is gone.

Could be even a broken seal from someone PLOPPING down onto the seat. Eventually that is going to cause some toilet wobble, and when the toilet moves independently of the flange you are going to get a leak. So you had to gut the whole place? What other problems are you having?

__________________
8th Period Plumbing Apprentice

Alan is offline ? Reply With Quote
Old Today, 10:46 AM ? #5

Member

?

Join Date: Nov 2009

Location: central virginia mountains

Posts: 1,738


this is why my flange sits on finished floor, get a riser for the flange

__________________
The older I get the better I was

tpolk is offline ? Reply With Quote
Old Today, 11:15 AM ? #6

Newbie

?

Join Date: Jun 2011

Posts: 5


I did not have to gut the whole place but this is not the only plumbing problem I have had. I have had problems with copper pipe getting pin holes in it in less than 20 yrs of use. The manufacture Cerro blamed it on acid flux which has been used since copper pipe was invented. I don't buy this. I blame it on bad copper alloys and pipe that is too thin. My folks have a house in FL and it was built in 1946 with copper pipe and they have never had a corrosion related pipe failure. Eventually, I will have to replace all the copper in my house with CPVC. My point is that common practice is not always good practice. The flange could have been installed and sealed properly with very little effort during initial installation and this problem would not have happened. My point is do it right and do it once. I am trying not to repeat mistakes. I don't want to deal with this problem EVER AGAIN.

perryg114 is offline ? Reply With Quote
Old Today, 11:34 AM ? #7

Super Moderator

?

Join Date: Sep 2009

Location: Kane county,Illinois

Posts: 4,448


Point well take---do it right the first time----

The copper should be type L---blue stripe---type M is for hydronic heating.

Some water will destroy copper---there are counties in Arkansas where the copper pipes were failing within 4 years--those counties no longer allow copper at all.

Do some research on PEX piping----if it's allowed in your area that might be a fine choice when replacing your pipes.

__________________
New members:Adding your location to your profile helps in many ways.--M--

oh'mike is offline ? Reply With Quote
Old Today, 01:13 PM ? #8

Newbie

?

Join Date: Jun 2011

Posts: 5


My copper is the Red stripe which is probably the wrong stuff. I talked to the water plant and everything they were telling me sounded like they were keeping the PH around 7.0 which is pretty neutral. It would probably be less corrosive if the PH were a little higher than that. The problem I had was the hot water supply line leaking. I figured the heat was accelerating any corrosion that was going on. I replaced as much as I could with CPVC. I will replace the rest as I remodel.

That new stuff are you talking the Polyethylene stuff that you have to swage the ends on to? The problem there is you have to have special tools to use and repair it. It may become a good alternative but I want for it to get some time under it first.

Perry


Last edited by perryg114; Today at 01:15 PM.

perryg114 is offline ? Reply With Quote
Old Today, 02:47 PM ? #9

Super Moderator

?

Join Date: Sep 2009

Location: Kane county,Illinois

Posts: 4,448


PEX is a tried and true product---It has been in use for many years for hydronic heating and for water in recent years, Do check it out---No fittings except at the beginning and end of a run and the most forgiving of all when frozen.

That red stripe piping is type M---wrong stuff.---Mike---

__________________
New members:Adding your location to your profile helps in many ways.--M--

oh'mike is offline ? Reply With Quote
Old Today, 09:50 PM ? #10

Member

?

Join Date: Apr 2007

Posts: 223


If you don't ever want to have this problem again, then cut out the old flange and closet bend and install new fittings properly such that the flange sits on top of the finished flooring. Skip all the goop (silicone, ATV etc).

Ishmael is offline ? Reply With Quote
Old Today, 09:59 PM ? #11

Newbie

?

Join Date: Jun 2011

Posts: 5


The funny thing is that if you do a search online you can either put the flange on top or flush with the floor. I agree with you though that the flange should be mounted on top of the flooring.

Perry

perryg114 is offline ? Reply With Quote
Old Today, 10:30 PM ? #12

Member

?

Join Date: Jul 2009

Location: crimson tide country

Posts: 61


sir, look real good at your floor flange. sometimes right where the commode bolts are placed the flange cracks. (if it is plastic especially) it cracks usually on the thin outside edge right outside where the bolts go. an untrained eye might not notice this. if it is cracked, no matter how hard you tighten it the commode will rock and leak. about the flooring issue and how the flange is placed i sympathize with you because i have fought framers, ceramic tile guys, and floor people for years. no matter how it is placed you should be able to use two regular seals or one jumbo or any combination to get the job done. and no, do not use the foam seal. it is tough as heck to tighten down and WILL cause the floor flange to crack by being to hard to get a seal. if the seal is cracked, get back with me and i will show you a quick fix that can save you hundreds of dollars. as for your ceiling, you can scrap the ceiling down, buy a hopper if you have a compressor, and spray it yourself cheaper than you can pay to have it done and you will have the hopper for the future or sell it and recoup some of your money back. you might even do the leg work and hire a sheetrock man to come in and spray it and be gone in less than an hour and you do the clean up. budro

buddy builder is online now ? Reply With Quote

Source: http://www.diychatroom.com/f7/icompetent-builder-yahoos-second-floor-toilets-108552/

cane corso kelly clarkson toms shoes toms new nintendo console bells wii 2