HiI am starting out, and looking for the "typical" heating oil usage per unit for 3 and 4 unit apartment buildings in Maine.

Turned out that it was under the sidewalk, a few feet from the water main.

If the cup says "Hot" take it literally stupid.10- smaller government.....11- Less taxes and insurances "requirements" to small businesses- less government restriction on what my business can write off as an expense and why do i have to pay workman's comp on a stoner who is going to fall off someone's roof someday anyway?

I'm pretty confident that if I were bank in the area where I grew up, where my family has long standing relationships with the main local bankers I could probably manage to do that, too.The key is a track record and relationships.

This way the GC can easily bid out each part of the job, and get me a bid much more quickly than if he has to consolidate based on my "room to room" list of things to do.I'll then have my GC give me a labor bid broken down into the following components:- Permits- Demo/Dumpster- Foundation- Roof Framing- Roof Felt/Shingles- Siding- Gutters/Soffits/Fascia- Decks/Porches- Landscaping- Doors- Windows- Wall Framing/Sheetrock- Electrical Rough- Electrical Final- Plumbing Rough- Plumbing Final- HVAC Rough- HVAC Final- Kitchen Cabinets/Countertops- Bathroom Cabinets- Bathroom Fixtures- Interior Paint- Exterior Paint- Carpet- Hardwood- Tile- Vinyl- OtherOther could consist of anything from install mini-blinds to replacing outlet covers to installing appliances.This generally gives me (and the GC) enough detail that the job can be accurately estimated, and if things change (or surprises are found), we can adjust individual areas accordingly.This also gives me a good idea how much each of his subs will be making, allowing me to figure out what his profit margins will be -- giving me some negotiating help if needed.If your contractors have an issue with filling this out, try telling them, "My lender is requiring me to break it down this way in order to approve the loan."

Jon touched on this, I wanted to elaborate: The main reason is that the bank must be able to balance its fixed/floating assets and liabilities.For example, think of the bank's books when you take a loan.

I was in Acupulco in the 70's,,the main houses there are 4 sheets of scrap corrugated tin nailed to a tree,,,and whole families lived inside!!

pid=20601087&sid=a6p0Sot13ROg&refer=home The confirmation opens the way for the New York Fed to name a new president of the central bank's main liaison with Wall Street.

The main attraction to this property is being able to do an assumption!

Long story short the 3 main NEEDS in life are : Food, Water, and Shelter.