Brent Lindner CSR / Duey Hoefer Farmers Insurance Agency

Brent Lindner CSR / Duey Hoefer Farmers Insurance Agency As Licensed Customer Service Representative with the Duey Hoefer Farmers Insurance agency I am to assist you with you insurance needs.

As an agent with Farmers Insurance I am excited to assist you with your Auto, Home, Business, Umbrella and Life Insurance needs. Free quotes available upon request. I am committed to finding possible gaps in your current coverage as well as providing all available discounts.

02/11/2014

I am excited to announce that I have joined the Duey Hoefer Farmers Insurance Agency in Maple Grove MN. As a Customer Service Representative. As a Licensed Insurance Producer in Minnesota I can assist you with your Auto, Home, Life, Umbrella and Commercial Insurance needs. Duey has a well established agency with 28 years of experience. He also provides Farmers Financial Solutions.

Please! Don't rely on Nickelback! Call me today about a Farmers Homeowners quote; 763-807-1049When Fire Strikes, Stop, D...
11/13/2013

Please! Don't rely on Nickelback! Call me today about a Farmers Homeowners quote; 763-807-1049

When Fire Strikes, Stop, Drop and... Sing?
For over 150 years, scientists have known that fires can be extinguished with sound waves, but they still don't know how
By Alison Snyder
video proves, but scientists still are not sure how." data-pin-do="buttonBookmark">

FIRE SILENCE: Sound can extinguish flame as this video proves, but scientists still are not sure how.
Image: RYAN REID
"I throw more power into my voice, and now the flame is extinguished," wrote Irish scientist John Tyndall about his experiments with sound and fire in 1857. Countless public demonstrations and a handful of lab tests later, researchers are still struggling to determine exactly how sound snuffs flames.

Sound travels in waves, which are simply variations of pressure in a medium—whether solid, liquid or gas. The energy from vibrating objects, such as speaker membranes, moves from particle to particle in the air in a repeating pattern of high- and low-pressure zones that we perceive as sound. According to the ideal gas law, temperature, pressure and volume are related; therefore, a decrease in pressure can lead to a corresponding decrease in temperature, which may explain how sound can extinguish a flame.

In 2004 Dmitriy Plaks and several of his fellow students at the University of West Georgia tested whether sound waves can douse fires in hopes of using sound to extinguish flames in a spacecraft. VIDEO They placed a candle in a large topless chamber with three bass speakers attached to the walls. The candle was lit and the Canadian rock band Nickelback's "How you remind me" was pumped through the subwoofers. Within roughly 10 seconds, once the song hit a low note, the flame was out, according to results published in 2005 in The Journal of the Acoustical Society of America.

"We don't know exactly what's going on," Plaks says, now a student at the Georgia Institute of Technology.

Physicist James Espinosa at Rhodes College in Memphis, Tenn., a former advisor to the student team, notes that the candle wasn't running out of oxygen to fuel the flame because the chamber was large and open to the air. He also doesn't believe that wind—which would actually displace the warm air around the candle with cooler air—had put out the fire, although only high-resolution thermal images would have been able to verify that.

There is another indication that the fire hadn't been extinguished by wind: frequency (the time it takes for succeeding peaks of a sound wave to pass a fixed point). "There's some special frequency at which a candle flame extinguishes," Espinosa notes. The students tested a range of frequencies from five to several hundred hertz. They found that the effective range was between 40 and 50 hertz, within the range of human hearing.

Plaks speculates that the pressure drop created by the sound wave was what extinguished the flame. Gary Ruff, project manager for fire suppression technologies at NASA's Glenn Research Center in Cleveland, agrees: if the difference between the high-pressure peak and low-pressure trough in the sound wave was large enough, the flame would go out.

Such acoustic fire suppression might prove useful in space, Espinosa suggests. "Not having to use water or toxic gas is a huge benefit" for spaceships, he says. But Ruff and NASA disagree with him: Generating the sound waves to extinguish a fire would require electricity, and astronauts would also have to be able to see the flames in order to direct sound waves at them. "[We are] looking for a very reliable, stand-alone system," Ruff says, such as chemical extinguishers.

Nevertheless, next summer Espinosa will try to extinguish a larger flame with a smaller speaker system. Instead of using the vibrating membrane of a subwoofer, he plans to create an electric arc (current that travels through the air between two electrodes), like that used for welding. This spark creates a shock wave that can be focused with an acoustic horn so that an array of such waves can be aimed at the fire.

Such a system might prove useful here on Earth for putting out fires in locations whose contents could be water-damaged by sprinkler systems, Espinosa says, such as museums that house valuable artwork or centers with data servers or other electrical equipment. "Sound is being used to cut pieces of metal, to destroy kidney stones," he adds. "It can do more than people give it credit for," including, apparently, firefighting.

Check out these great tips from realestate.msn.com10 ways to winterize your home — nowSo you've pulled your sweaters out...
11/13/2013

Check out these great tips from realestate.msn.com

10 ways to winterize your home — now



So you've pulled your sweaters out of mothballs and found your mittens at the bottom of the coat closet. But what about your house -- is it prepared for the cold months ahead?

You'll be a lot less comfortable in the coming months if you haven't girded Home Sweet Home for Old Man Winter.

With the help of several experts, we've boiled down your autumn to-do list to 10 easy tips:

1. Clean those gutters
Once the leaves fall, remove them and other debris from your home's gutters -- by hand, by scraper or spatula, and finally by a good hose rinse -- so that winter's rain and melting snow can drain. Clogged drains can form ice dams, in which water backs up, freezes and causes water to seep into the house, the Insurance Information Institute says.
As you're hosing out your gutters, look for leaks and misaligned pipes. Also, make sure the downspouts are carrying water away from the house's foundation, where it could cause flooding or other water damage.

"The rule of thumb is that water should be at least 10 feet away from the house," says Michael Broili, the director of the Well Home Program for the Phinney Neighborhood Association, a nationally recognized neighborhood group in Seattle.

2. Block those leaks
One of the best ways to winterize your home is to simply block obvious leaks around your house, both inside and out, experts say. The average American home has leaks that amount to a nine-square-foot hole in the wall, according to EarthWorks Group.

First, find the leaks: On a breezy day, walk around inside holding a lit incense stick to the most common drafty areas: recessed lighting, window and door frames, electrical outlets.

Then, buy door sweeps to close spaces under exterior doors, and caulk or apply tacky rope caulk to those drafty spots, says Danny Lipford, host of the nationally syndicated TV show "Today's Homeowner." Outlet gaskets can easily be installed in electrical outlets that share a home's outer walls, where cold air often enters.

Outside, seal leaks with weather-resistant caulk. For brick areas, use masonry sealer, which will better stand up to freezing and thawing. "Even if it's a small crack, it's worth sealing up," Lipford says. "It also discourages any insects from entering your home."

3. Insulate yourself
"Another thing that does cost a little money -- but boy, you do get the money back quick -- is adding insulation to the existing insulation in the attic," says Lipford. "Regardless of the climate conditions you live in, in the (U.S.) you need a minimum of 12 inches of insulation in your attic."

Don't clutter your brain with R-values or measuring tape, though. Here's Lipford's rule of thumb on whether you need to add insulation: "If you go into the attic and you can see the ceiling joists you know you don't have enough, because a ceiling joist is at most 10 or 11 inches."

A related tip: If you're layering insulation atop other insulation, don't use the kind that has "kraft face" finish (i.e., a paper backing). It acts as a v***r barrier, Lipford explains, and therefore can cause moisture problems in the insulation.

4. Check the furnace
First, turn your furnace on now, to make sure it's even working, before the coldest weather descends. A strong, odd, short-lasting smell is natural when firing up the furnace in the autumn; simply open windows to dissipate it. But if the smell lasts a long time, shut down the furnace and call a professional.

It's a good idea to have furnaces cleaned and tuned annually. Costs will often run about $100-$125. An inspector should do the following, among other things:

Throughout the winter you should change the furnace filters regularly (check them monthly). A dirty filter impedes air flow, reduces efficiency and could even cause a fire in an extreme case. Toss out the dirty fiberglass filters; reusable electrostatic or electronic filters can be washed.

5. Get your ducts in a row
According to the U.S. Department of Energy, a home with central heating can lose up to 60% of its heated air before that air reaches the vents if ductwork is not well-connected and insulated, or if it must travel through unheated spaces. That's a huge amount of wasted money, not to mention a chilly house. (Check out this audit tool for other ideas on how to save on your energy bills this winter.)

Ducts aren't always easy to see, but you can often find them exposed in the attic, the basement and crawlspaces. Repair places where pipes are pinched, which impedes flow of heated air to the house, and fix gaps with a metal-backed tape (duct tape actually doesn't stand up to the job over time).

Ducts also should be vacuumed once every few years, to clean out the abundant dust, animal hair and other gunk that can gather in them and cause respiratory problems.

6. Face your windows
Now, of course, is the time to take down the window screens and put up storm windows, which provide an extra layer of protection and warmth for the home. Storm windows are particularly helpful if you have old, single-pane glass windows. But if you don't have storm windows, and your windows are leaky or drafty, "They need to be updated to a more efficient window," says Lipford.

Of course, windows are pricey. Budget to replace them a few at a time, and in the meantime, buy a window insulator kit, Lipford and Broili recommend. Basically, the kit is plastic sheeting that's affixed to a window’s interior with double-stick tape. A hair dryer is then used to shrink-wrap the sheeting onto the window. (It can be removed in the spring.) "It's temporary and it's not pretty, but it's inexpensive (about $4 a window) and it's extremely effective," says Lipford.

7. Don't forget the chimney
Ideally, spring is the time to think about your chimney, because "chimney sweeps are going crazy right now, as you might have guessed," says Ashley Eldridge, director of education for the Chimney Safety Institute of America.

That said, don't put off your chimney needs before using your fireplace, Eldridge advises. "A common myth is that a chimney needs to be swept every year," says Eldridge. Not true. But a chimney should at least be inspected before use each year, he adds. "I've seen tennis balls and ducks in chimneys," he says.

Ask for a Level 1 inspection, in which the professional examines the readily accessible portions of the chimney, Eldridge says. "Most certified chimney sweeps include a Level 1 service with a sweep," he adds.

Woodstoves are a different beast, however, cautions Eldridge. They should be swept more than once a year. A general rule of thumb is that a cleaning should be performed for every ¼ inch of creosote, "anywhere that it's found." Why? "If it's ash, then it's primarily lye -- the same stuff that was once used to make soap, and it's very acidic." It can cause mortar and the metal damper to rot, Eldridge says.

Another tip: Buy a protective cap for your chimney, with a screen, advises Eldridge. "It's probably the single easiest protection" because it keeps out foreign objects (birds, tennis balls) as well as rain that can mix with the ash and eat away at the fireplace's walls. He advises buying based on durability, not appearance.

One other reminder: To keep out cold air, fireplace owners should keep their chimney's damper closed when the fireplace isn't in use. And for the same reason, woodstove owners should have glass doors on their stoves, and keep them closed when the stove isn't in use.

Check out CSIA'S Web site for a list of certified chimney sweeps in your area.

8. Reverse that fan
"Reversing your ceiling fan is a small tip that people don't often think of," says Lipford. By reversing its direction from the summer operation, the fan will push warm air downward and force it to recirculate, keeping you more comfortable. (Here's how you know the fan is ready for winter: As you look up, the blades should be turning clockwise, says Lipford.)

9. Wrap those pipes
A burst pipe caused by a winter freeze is a nightmare. Prevent it before Jack Frost sets his grip: Before freezing nights hit, make certain that the water to your hose bibs is shut off inside your house (via a turnoff valve), and that the lines are drained, says Broili. In climes such as Portland, Ore., or Seattle, where freezing nights aren't commonplace, you can install Styrofoam cups with a screw attachment to help insulate spigots, says Broili.

Next, go looking for other pipes that aren't insulated, or that pass through unheated spaces -- pipes that run through crawlspaces, basements or garages. Wrap them with pre-molded foam rubber sleeves or fiberglass insulation, available at hardware stores. If you're really worried about a pipe freezing, you can first wrap it with heating tape, which is basically an electrical cord that emits heat.

10. Finally, check those alarms
This is a great time to check the operation -- and change the batteries -- on your home's smoke detectors. Detectors should be replaced every 10 years, fire officials say. Test them -- older ones in particular -- with a small bit of actual smoke, and not just by pressing the "test" button. Check to see that your fire extinguisher is still where it should be, and still works.

Also, invest in a carbon-monoxide detector; every home should have at least one.

11/11/2013
Quality Coverage is crucial! Trust Farmers Insurance.
11/08/2013

Quality Coverage is crucial! Trust Farmers Insurance.

But...Why Brent? I will be your "Insurance Guy." I will assist you in choosing the coverage that makes the most sense fo...
11/08/2013

But...Why Brent? I will be your "Insurance Guy." I will assist you in choosing the coverage that makes the most sense for you. I will try to find gaps in your current coverage, as well as all available discounts.
Perhaps more importantly, when questions or claims arise, I will help you through the process.

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