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#A B C D E F G H Second Section of Glossary
Acceleration Clause
A provision in a mortgage that gives the lender the right to demand payment of the entire principal balance if a monthly payment is missed.
An offeree's consent to enter into a contract and be bound by the terms of the offer.
Additional Principal Payment
A payment by a borrower of more than the scheduled principal amount due in order to reduce the remaining balance on the loan.
Adjustable Rate Mortgage (ARM)
A mortgage that permits the lender to adjust its interest rate periodically on the basis of changes in a specified index.
Adjusted Basis
The original cost of a property plus the value of any capital expenditures for improvements to the property minus any depreciation taken.
Adjustment Date
The date on which the interest rate changes for an adjustable-rate mortgage (ARM).
Adjustment Period
The period that elapses between the adjustment dates for an adjustable-rate mortgage (ARM).
A person appointed by a probate court to administer the estate of a person who died intestate.
A formal sworn statement of fact. As part of the closing process, you're likely to sign numerous affidavits. You may be required, for example, to sign an affidavit of occupancy. It states that you will use the property as a principal residence. Or, you and the seller may have to sign an affidavit stating all of the improvements to the property required in the sales contract were completed before closing.
Your lender can provide additional information regarding any of these documents you will sign.
Affordability Analysis
A detailed analysis of your ability to afford the purchase of a home. An affordability analysis takes into consideration your income, liabilities, and available funds, along with the type of mortgage you plan to use, the area where you want to purchase a home, and the closing costs that you might expect to pay.
A feature of real property that enhances its attractiveness and increases the occupant's or user's satisfaction although the feature is not essential to the property's use. Natural amenities include a pleasant or desirable location near water, scenic views of the surrounding area, etc. Human-made amenities include swimming pools, tennis courts, community buildings, and other recreational facilities.
The gradual repayment of a mortgage loan by installments.
Amortization Term
The amount of time required to amortize the mortgage loan. The amortization term is expressed as a number of months. For example, for a 30-year fixed-rate mortgage, the amortization term is 360 months.
To repay a mortgage with regular payments that cover both principal and interest.
Amotization Schedule
A timetable for payment of a mortgage loan. An amortization schedule shows the amount of each payment applied to interest and principal and shows the remaining balance after each payment is made.
Annual Mortgagor Statement
A report sent to the mortgagor each year. The report shows how much was paid in taxes and interest during the year, as well as the remaining mortgage loan balance at the end of the year.
Annual Percentage Rate (APR)
The cost of a mortgage stated as a yearly rate; includes such items as interest, mortgage insurance, and loan origination fee (points).
An amount paid yearly or at other regular intervals, often on a guaranteed dollar basis.
A form used to apply for a mortgage loan and to record pertinent information concerning a prospective mortgagor and the proposed security.
*See also "Loan Application" entry.
A written analysis of the estimated value of a property prepared by a qualified appraiser. Contrast with home inspection.
Appraised Value
An opinion of a property's fair market value, based on an appraiser's knowledge, experience, and analysis of the property.
A person qualified by education, training, and experience to estimate the value of real property and personal property.
An increase in the value of a property due to changes in market conditions or other causes. The opposite of depreciation.
Assessed Value
The valuation placed on property by a public tax assessor for purposes of taxation.
The process of placing a value on property for the strict purpose of taxation. May also refer to a levy against property for a special purpose, such as a sewer assessment.
Assessment Rolls
The public record of taxable property.
A public official who establishes the value of a property for taxation purposes.
Anything of monetary value that is owned by a person. Assets include real property, personal property, and enforceable claims against others (including bank accounts, stocks, mutual funds, and so on).
The transfer of a mortgage from one person to another.
Assumable Mortgage
A mortgage that can be taken over ("assumed") by the buyer when a home is sold.
A provision in an assumable mortgage allows a buyer to assume responsibility for the mortgage from the seller. The loan does not need to be paid in full by the original borrower upon the sale or transfer of the property.
The transfer of the seller's existing mortgage to the buyer.
*See also "Assumable Mortgage" entry.
Assumption Clause
A provision in an assumable mortgage that allows a buyer to assume responsibility for the mortgage from the seller. The loan does not need to be paid in full by the original borrower upon sale or transfer of the property.
Assumption Fee
The fee paid to a lender (usually by the purchaser of real property) resulting from the assumption of an existing mortgage.
One who holds a power of attorney from another to execute documents on behalf of the grantor of the power.
Automated Underwriting
After you complete your loan application with a lender, it is sent to "underwriting" for review. In short, underwriting is the process used to analyze how you have managed credit obligations in the past, whether you have the ability to repay the mortgage loan you are applying for (i.e., your income and assets), and whether the price you are willing to pay for the home is supported by the price of the property.
Balance Sheet
A financial statement that shows assets, liabilities, and net worth as of a specific date.
Balloon Mortgage
A mortgage that has level monthly payments that will amortize it over a stated term but that provides for a lump sum payment to be due at the end of an earlier specified term.
Balloon Payment
The final lump sum payment that is made at the maturity date of a balloon mortgage.
A person, firm, or corporation that, through a court proceeding, is relieved from the payment of all debts after the surrender of all assets to a court-appointed trustee.
A proceeding in a federal court in which a debtor who owes more than his or her assets can relieve the debts by transferring his or her assets to a trustee.
Before-Tax Income
Income before taxes are deducted.
The person designated to receive the income from a trust, estate, or a deed of trust.
To transfer personal property through a will.
An improvement that increases property value as distinguished from repairs or replacements that simply maintain value.
Bill of Sale
A written document that transfers title to personal property.
A preliminary agreement, secured by the payment of an earnest money deposit, under which a buyer offers to purchase real estate.
Biweekly Mortgages
Your lender will probably tell you that a biweekly mortgage is structured just like a traditional fixed-rate, level-payment, fully amortizing mortgage. However, you make your payments every 14 days instead of once a month. The monthly payment is split in half, resulting in the same total monthly mortgage, but the resulting 26 and sometimes 27 biweekly payments a year translate into 13 monthly payments, or one extra monthly payment per year.
Borrowers can qualify for a 30-year monthly payment amount, but get a loan that pays off in approximately 22 years at current interest rates. At higher rates, the actual term declines.
If you are looking to build up equity in your home faster without the higher mortgage payments that come with a shorter-term mortgage, you may want to consider the biweekly mortgage. Payments can be deducted from your bank account and scheduled to coincide with your payroll deposits to simplify budgeting. Lenders may charge an initial set-up fee to automatically debit your checking account.
Blanket Insurance Policy
A single policy that covers more than one piece of property (or more than one person).
Blanket Mortgage
The mortgage that is secured by a cooperative project, as opposed to the share loans on individual units within the project.
Bona Fide
In good faith, without fraud.
An interest-bearing certificate of debt with a maturity date. An obligation of a government or business corporation. A real estate bond is a written obligation usually secured by a mortgage or a deed of trust.
A violation of any legal obligation.
Bridge Loan
A form of second trust that is collateralized by the borrower's present home (which is usually for sale) in a manner that allows the proceeds to be used for closing on a new house before the present home is sold. Also known as "swing loan."
A person who, for a commission or a fee, brings parties together and assists in negotiating contracts between them.
A detailed plan of income and expenses expected over a certain period of time. A budget can provide guidelines for managing future investments and expenses.
Budget Category
A category of income or expense data that you can use in a budget. You can also define your own budget categories and add them to some or all of the budgets you create. "Rent" is an example of an expense category. "Salary" is a typical income category.
Building Code
Local regulations that control design, construction, and materials used in construction. Building codes are based on safety and health standards.
Buydown Account
An account in which funds are held so that they can be applied as part of the monthly mortgage payment as each payment comes due during the period that an interest rate buydown plan is in effect.
Buydown Mortgage
A temporary buydown is a mortgage on which an initial lump sum payment is made by any party to reduce a borrower's monthly payments during the first few years of a mortgage. A permanent buydown reduces the interest rate over the entire life of a mortgage.
Call Option
A provision in the mortgage that gives the mortgagee the right to call the mortgage due and payable at the end of a specified period for whatever reason.
A provision of an adjustable-rate mortgage (ARM) that limits how much the interest rate or mortgage payments may increase or decrease.
*See also "lifetime payment cap", "lifetime rate cap", "periodic payment cap", and "periodic rate cap".
Lenders will want to know if you can repay the mortgage debt you incur -- this is known as your capacity. Lenders will base their evaluation on employment information, how long you've worked, and how much you are paid. Lenders will also review your expenses and any other debt obligations you have. This means they'll want to know how many dependents you have and whether you pay any alimony or child support, for example.
Money used to create income, either as an investment in a business or an income property.
The money or property comprising the wealth owned or used by a person or business enterprise.
The accumulated wealth of a person or business.
The net worth of a business represented by the amount by which its assets exceed liabilities.
Capital Expenditure
The cost of an improvement made to extend the useful life of a property or to add to its value.
Capital Improvement
Any structure or component erected as a permanent improvement to real property that adds to its value and useful life.
Cash-Out Refinance
A refinance transaction in which the amount of money received from the new loan exceeds the total of the money needed to repay the existing first mortgage, closing costs, points, and the amount required to satisfy any outstanding subordinate mortgage liens. In other words, a refinance transaction in which the borrower receives additional cash that can be used for any purpose.
CD-Indexed (Certificate of Deposit) ARMs
The Certificate of Deposit index represents the weekly average of secondary market interest rates on six-month negotiable CDs.
The initial interest rate and payments adjust every six months after an initial six-month period.
ARMs with this index typically come with a per-adjustment cap of 1 percent and a lifetime rate cap of 6 percent.
Certificate of Deposit
A document written by a bank or other financial institution that is evidence of a deposit, with the issuer's promise to return the deposit plus earnings at a specified interest rate within a specified time period.
*See also "Adjustable-Rate Mortgage" entry.
Certificate of Deposit Index
An index that is used to determine interest rate changes for certain ARM plans. It represents the weekly average of secondary market interest rates on six-month negotiable certificates of deposit.
*See also "Adjustable-Rate Mortgage" entry.
Certificate of Eligibility
A document issued by the federal government certifying a veteran's eligibility for a Department of Veterans Affairs (VA) mortgage.
Certificate of Reasonable Value (CRV)
A document issued by the Department of Veterans Affairs (VA) that establishes the maximum value and loan amount for a VA mortgage.
Certificate of Title
A statement provided by an abstract company, title company, or attorney stating that the title to real estate is legally held by the current owner.
Chain of Title
The history of all of the documents that transfer title to a parcel of real property, starting with the earliest existing document and ending with the most recent.
Change Frequency
The frequency (in months) of payment and/or interest rate changes in an adjustable-rate mortgage (ARM).
Change Orders
After construction begins, you may discover that you need to make unplanned and necessary changes to the work. The contingency reserve covers unforeseen repairs or deficiencies found during renovation. Unnecessary additions or changes are treated differently.
These change orders are considered discretionary and must first be approved by your lender. You must deposit additional funds to pay for the work in the escrow account before work on the changes begins. These change orders - as well as any that result from unforeseen repairs - must be added as amendments to your construction contract.
Another name for personal property.
Clear Title
A title that is free of liens or legal questions as to ownership of the property.
A meeting at which a sale of a property is finalized by the buyer signing the mortgage documents and paying closing costs. Also called "settlement".
*See also "Settlement" entry.
Closing Agent
As a potential home buyer, you will need a closing (or "settlement") agent to coordinate the various closing activities. These can include but are not limited to preparing and recording the closing documents and disbursing funds.
The types of services provided by a closing agent depend on the person you hire, but typically the closing is conducted by title companies, escrow companies or attorneys. It is usually held at the lender's or real estate sales professional's office.
Closing Cost Item
A fee or amount that a home buyer must pay at closing for a single service, tax, or product. Closing costs are made up of individual closing cost items such as origination fees and attorney's fees. Many closing cost items are included as numbered items on the HUD-1 statement.
Closing Costs
Expenses (over and above the price of the property) incurred by buyers and sellers in transferring ownership of a property. Closing costs normally include an origination fee, an attorney's fee, taxes, an amount placed in escrow, and charges for obtaining title insurance and a survey. Closing costs percentage will vary according to the area of the country; lenders or REALTORS® often provide estimates of closing costs to prospective homebuyers.
Closing Date
After your lender has approved your mortgage and you accept the commitment letter, the next step is to set a closing date. Many times, your real estate sales professional coordinates the setting of this date with you, the seller, the closing agent, and your lender.
Remember, you need to ensure that the closing occurs before your lender's commitment letter - and the rate lock-in, if there is one - expire. You can now finalize your moving plans.
Cloud on Title
Any conditions revealed by a title search that adversely affect the title to real estate. Usually clouds on title cannot be removed except by a quitclaim deed, release, or court action.
A person who signs a promissory note along with the borrower. A co-maker's signature guarantees that the loan will be repaid, because the borrower and the co-maker are equally responsible for the repayment.
A sharing of insurance risk between the insurer and the insured. Coinsurance depends on the relationship between the amount of the policy and a specified percentage of the actual value of the property insured at the time of the loss.
Coinsurance Clause
A provision in a hazard insurance policy that states the amount of coverage that must be maintained - as a percentage of the total value of the property - for the insured to collect the full amount of a loss.
An asset (such as a car or a home) that guarantees the repayment of a loan. The borrower risks losing the asset if the loan is not repaid according to the terms of the loan contract.
The efforts used to bring a delinquent mortgage current and to file the necessary notices to proceed with foreclosure when necessary.
Commercial Banks
Commercial banks, like thrifts, originate and service mortgage loans. In some cases, commercial banks may have mortgage banking subsidiaries that perform this function. Banks may choose to hold a loan in their own portfolio or sell the loan to an investor.
The fee charged by a broker or agent for negotiating a real estate or loan transaction. A commission is generally a percentage of the price of the property or loan.
Commitment Letter
A formal offer by a lender stating the terms under which it agrees to lend money to a homebuyer. Also known as a "loan commitment".
Common Area Assessments
Levies against individual unit owners in a condominium or planned unit development (PUD) project for additional capital to defray homeowners' association costs and expenses and to repair, replace, maintain, improve, or operate the common areas of the project.
Common Areas
Those portions of a building, land, and amenities owned (or managed) by a planned unit development (PUD) or condominium project's homeowners' association (or a cooperative project's cooperative corporation) that are used by all of the unit owners, who share in the common expenses of their operation and maintenance. Common areas include swimming pools, tennis courts, and other recreational facilities, as well as common corridors of buildings, parking areas, means of ingress and egress, etc.
Common Law
An unwritten body of law based on general custom in England and used to an extent in the United States.
Community Land Trust Mortgage Option
An alternative financing option that enables low- and moderate-income home buyers to purchase housing that has been improved by a nonprofit Community Land Trust and to lease the land on which the property stands.
Community Property
In some western and southwestern states, a form of ownership under which property acquired during a marriage is presumed to be owned jointly unless acquired as separate property of either spouse.
Community Seconds
An alternative financing option for low- and moderate-income households under which an investor purchases a first mortgage that has a subsidized second mortgage behind it. The second mortgage may be issued by a state, county, or local housing agency, foundation, or nonprofit organization. Payment on the second mortgage is often deferred and carries a very low interest rate (or no interest rate at all). Part of the debt may be forgiven incrementally for each year the buyer remains in the home.
An abbreviation for "comparable properties"; used for comparative purposes in the appraisal process. Comparables are properties like the property under consideration; they have reasonably the same size, location, and amenities and have recently been sold. Comparables help the appraiser determine the approximate fair market value of the subject property.
Compound Interest
Interest paid on the original principal balance and on the accrued and unpaid interest.
The determination that a building is not fit for use or is dangerous and must be destroyed; the taking of private property for a public purpose through an exercise of the right of eminent domain.
Condition of the Home
Potential homeowners should know of major problems in a home before they make an offer. As a potential buyer, you should carefully examine all elements of the home. Ask questions to the seller and the real estate sales professional about any concerns you may have. Both the seller and the real estate agent can be held liable if they do not disclose any defects they know about in the home.
A real estate project in which each unit owner has title to a unit in a building, an undivided interest in the common areas of the project, and sometimes the exclusive use of certain limited common areas.
Condominium Conversion
Changing the ownership of an existing building (usually a rental project) to the condominium form of ownership.
Condominium Hotel
A condominium project that has rental or registration desks, short-term occupancy, food and telephone services, and daily cleaning services and that is operated as a commercial hotel even though the units are individually owned.
Construction Contract
The terms and conditions of any major renovation job should be part of a formal, legally binding contract between you and your contractor - this is called the construction contract. The lender you choose will likely want to review this contract before you sign it.
Construction Loan
A short-term, interim loan for financing the cost of construction. The lender makes payments to the builder at periodic intervals as the work progresses.
Contingencies for Repairs
In your purchase offer, you may consider stating that the seller must make sure the electrical systems, heating and cooling, plumbing, and mechanical systems are functioning properly at the closing. You may also state that your purchase is contingent upon the satisfactory completion of a professional home inspection, which will check these systems and other elements more completely. These are both ways to ensure that surprises don't arise when your moving day arrives.
If you do not include this clause in your contract, you are essentially accepting the house "as is."
A condition that must be met before a contract is legally binding. For example, home purchasers often include a contingency that specifies that the contract is not binding until the purchaser obtains a satisfactory home inspection report from a qualified home inspector.
Contingency for Clear Title
Your purchase contract should include a contingency that the purchase is subject to your receiving clear title to the property. This process includes a title search and title insurance.
Contingency for Financing
When you make a formal offer on a house, your contract should include a financing contingency. It specifies if you don't get the money you need to purchase the house at the terms you want, the offer is void and you will be refunded your deposit.
Don't be surprised if the seller includes a clause in the contract that states you must make a "good faith effort" to get the mortgage. This is the seller's way to ensure that you explore all options to get a mortgage loan.
Contingency for Personal Property
Your purchase contract should specify appliances, fixtures, and other personal property that must remain in the home. You can avoid any surprises by listing in your contract everything that is to be left behind when the seller moves out.
Contingency Reserve
Most mortgages for purchase-renovation require an additional 10 percent of the total cost of the project to be put aside into a reserve account. This contingency reserve is only used when unforeseen repairs or deficiencies are found during renovation.
An oral or written agreement to do or not to do a certain thing.
A general contractor is a person who oversees a construction project and handles aspects such as scheduling workers and ordering supplies.
Conventional Mortgage
A mortgage that is not insured or guaranteed by the federal government. Contrast with government mortgage.
Convertibility Clause
A provision in some adjustable-rate mortgages (ARMs) that allows the borrower to change the ARM to a fixed-rate mortgage at specified timeframes after loan origination.
Convertible ARM
An adjustable-rate mortgage (ARM) that can be converted to a fixed-rate mortgage under specified conditions.
Cooperative (co-op)
A type of multiple ownership in which the residents of a multiunit housing complex own shares in the cooperative corporation that owns the property, giving each resident the right to occupy a specific apartment or unit.
Cooperative Corporation
A business trust entity that holds title to a cooperative project and grants occupancy rights to particular apartments or units to shareholders through proprietary leases or similar arrangements. A business trust entity that holds title to a cooperative project and grants occupancy rights to particular apartments or units to shareholders through proprietary leases or similar arrangements.
Cooperative Mortgages
Mortgages related to a cooperative project. This usually refers to the multifamily mortgage covering the entire project but occasionally describes the share loans on the individual units.
Cooperative Project
A residential or mixed-use building wherein a corporation or trust holds title to the property and sells shares of stock representing the value of a single apartment unit to individuals who, in turn, receive a proprietary lease as evidence of title.
Corporate Relocation
Arrangements under which an employer moves an employee to another area as part of the employer's normal course of business or under which it transfers a substantial part or all of its operations and employees to another area because it is relocating its headquarters or expanding its office capacity.
Cost of Funds Index (COFI)
An index that is used to determine interest rate changes for certain adjustable-rate mortgage (ARM) plans. It represents the weighted-average cost of savings, borrowings, and advances of the 11th District members of the Federal Home Loan Bank of San Francisco.
*See also "adjustable-rate mortgage (ARM)".
Costs of Settling Into Your Home
When figuring out how much home you can afford, you need to account for the costs associated with getting into your home.
These can include the cost for repairs that need to be made before you can occupy your residence. There may also be the cost of purchasing appliances, such as a washer and dryer, refrigerator, or stove.
The bottom line is you do not want to spend all your money on purchasing the home and not have any left to pay these types of costs.
A clause in a mortgage that obligates or restricts the borrower and that, if violated, can result in foreclosure.
An agreement in which a borrower receives something of value in exchange for a promise to repay the lender at a later date.
Credit Bureau
The three main credit reporting agencies, or credit bureaus, are Equifax, Experian, and Trans Union. You can order a copy of your credit report (a nominal fee may apply) via telephone at:
* Equifax: (800) 685-1111
* Trans Union: (800) 916-8800
* Experian: (800) 682-7654
Credit History
A record of an individual's open and fully repaid debts. A credit history helps a lender to determine whether a potential borrower has a history of repaying debts in a timely manner.
Credit Life Insurance
A type of insurance often bought by mortgagors because it will pay off the mortgage debt if the mortgagor dies while the policy is in force.
Credit Profile
There are several ways to ensure you have a good credit report and credit score. One of the most effective is to manage your existing credit in a positive way.
Ask your lender for suggestions about ways to control the amount of money you owe. Or, you can choose a credit counselor from the list provided on this site. Some lenders may view consumers as a greater risk if they have used most or all of their available credit. Consumers who are considered "overextended" may be viewed this way even if they have made all their debt payments on time.
Missing a payment on a bill should be avoided, as should late payments on any of your credit obligations. Experiencing a mortgage foreclosure, filing for bankruptcy, or having your vehicle repossessed can also affect your credit score and credit report, limiting your ability to get new credit at a reasonable rate.
Credit Report
A report of an individual's credit history prepared by a credit bureau and used by a lender in determining a loan applicant's creditworthiness.
Credit Report Fee
The credit report fee covers the lender's cost for ordering your credit report from a credit bureau.
This report will verify some of the information you provided on your loan application as well as additional information from the credit agency's files and from public records.
When a credit report is received, your lender will check it against your application and look for any discrepancies. You may be asked to explain information in your credit report.
Credit Reporting Agency
An organization that prepares reports that are used by lenders to determine a potential borrower's credit history. The agency obtains data for these reports from a credit repository as well as from other sources.
The three main credit reporting agencies, or credit bureaus, are Equifax, Experian, and Trans Union. You can order a copy of your credit report (a nominal fee may apply) via telephone at:
* Equifax: (800) 685-1111
* Trans Union: (800) 916-8800
* Experian: (800) 682-7654
Credit Repository
An organization that gathers, records, updates, and stores financial and public records information about the payment records of individuals who are being considered for credit.
Credit Scoring
Your credit score is based on all the information in your credit report. This information is converted into a number - a credit score - that the lender uses to determine whether you are likely to repay your loan in a timely manner. The scores used in mortgage lending are typically in the 300 to 900 range. A general guide is that the higher your score the better. But you should keep in mind that your credit score is just one of several factors that will be used to evaluate your mortgage loan application.
Credit Unions
A credit union is a financial institution that is owned and run by its members. It is a nonprofit, cooperative institution that offers members a place to save and borrow. A credit union often works by having its members pool their funds so additional loans can be made to other members.
A person to whom money is owed.
An amount owed to another. See installment loan and revolving liability.
The legal document conveying title to a property.
The deed is the document that transfers ownership from the seller to you. Only the seller signs the deed at closing, and you'll receive a copy of it.
The closing agent will record the deed with you listed as the new property owner. Your name and the names of any other buyers appear on the deed, and it will be sent to you after it is recorded.
Deed of Trust
The document used in some states instead of a mortgage; title is conveyed to a trustee.
In some states, a "deed of trust" is used instead of a mortgage. When homeowners sign a deed of trust, they receive title to the property but convey title to a neutral third party - called a trustee - until the loan balance is paid in full.
A deed given by a mortgagor to the mortgagee to satisfy a debt and avoid foreclosure. Also called a "voluntary conveyance."
Failure to make mortgage payments on a timely basis or to comply with other requirements of a mortgage.
Failure to make mortgage payments when mortgage payments are due.
Department of Veterans Affairs
An agency of the federal government that guarantees residential mortgages made to eligible veterans of the military services. The guarantee protects the lender against loss and thus encourages lenders to make mortgages to veterans.
The Veterans Administration is a federal government agency authorized to guarantee loans made to eligible veterans under certain conditions. To obtain more information, you can contact the U.S. Department of Veterans Affairs.
The qualification guidelines for VA loans are more flexible than those for either the Federal Housing Administration (FHA) or conventional loans.
If you are a qualified veteran, this can be an attractive mortgage program. To determine whether you are eligible, check with your nearest VA regional office.
A sum of money given to bind the sale of real estate, or a sum of money given to ensure payment or an advance of funds in the processing of a loan.
See earnest money deposit.
A decline in the value of property; the opposite of appreciation.
Detached Single-Family Home
The most traditional type of single-family home is one that is "detached." This type of home stands separate from any other housing structure and serves as a place of residence for the occupants.
Direct Leveraging Loan Program
The Direct Leveraging Loan Program makes it easier and more economical for rural residents to own a home through lower interest rates and no down payment.
Under this program, the lender offers up to 50 percent of the mortgage amount as a conventional 30-year, fixed-rate first mortgage and the Rural Housing Service (RHS) offers the balance as a second mortgage at an interest rate that is generally below market.
The RHS is part of the U.S. Department of Agriculture.
Discount points
Discount points are often used to describe a type of fee that lenders charge. Discount points are additional funds you pay the lender at closing to get a lower interest rate on your mortgage.
A point equals 1 percent of the loan amount. So, if you and your lender agree to a mortgage of $100,000, one point would equal $1,000.
Typically, each point you pay for a 30-year loan lowers your interest rate by .125 of a percentage point. If the current interest rate on a 30-year mortgage is 7.75 percent, paying one point would lower the interest rate to 7.625.
Ask your lender if you have the option of paying 1, 2, or 3 discount points - or you can choose not to pay any discount points. It often makes more sense to pay discount points if you plan to stay in your home for a long time.
The rights of a widow in the property of her husband at his death.
Down Payment
The part of the purchase price of a property that the buyer pays in cash and does not finance with a mortgage.
Saving for a down payment is usually one of the most difficult parts of preparing to buy a home. If you believe you have the needed funds, you are in a better position to seek pre-qualification from a lender to get the mortgage that is right for you.
Most homeowners rely on a mortgage from a financial institution, and most mortgage products require buyers to include a portion of their own funds towards the purchase of the home. This is called the down payment. Lenders feel more secure when buyers include a down payment, indicating they are less likely to walk away from their investment if their finances take a downturn.
Historically, buyers usually made a down payment that totaled 20 percent of the home's purchase price. Under this scenario, a down payment for a $100,000 home is $20,000. But today, new mortgage products allow buyers to put down as little as 3 percent to 5 percent, provided private mortgage insurance is obtained. The down payment for a $100,000 home with 5 percent down payment is just $5,000.
Sources for down payments may come from buyers' savings accounts, checking accounts, stocks and bonds, life insurance policies, and gifts.
Due-on-sale Provision
A provision in a mortgage that allows the lender to demand repayment in full if the borrower sells the property that serves as security for the mortgage.
Due-on-transfer Provision
This terminology is usually used for second mortgages.
*See also "due-on-sale provision".
Earnest Money Deposit
A deposit made by the potential home buyer to show that he or she is serious about buying the house.
The earnest money deposit is a "good-faith" payment you submit with your offer on a home to show the seller you are serious about proceeding.
The earnest money is deposited in an escrow account and will be applied to your closing costs.
Sometimes, your lender will want you to bring a receipt for the earnest money deposit along with your sales contract to the initial loan application meeting.
A right of way giving persons other than the owner access to or over a property.
Effective Age
An appraiser's estimate of the physical condition of a building. The actual age of a building may be shorter or longer than its effective age.
Effective Gross Income
Normal annual income including overtime that is regular or guaranteed. The income may be from more than one source. Salary is generally the principal source, but other income may qualify if it is significant and stable.
Eminent Domain
The right of a government to take private property for public use upon payment of its fair market value. Eminent domain is the basis for condemnation proceedings.
An improvement that intrudes illegally on another's property.
Anything that affects or limits the fee simple title to a property, such as mortgages, leases, easements, or restrictions.
A person who signs ownership interest over to another party. Contrast with co-maker.
Equal Credit Opportunity Act (ECOA)
A federal law that requires lenders and other creditors to make credit equally available without discrimination based on race, color, religion, national origin, age, sex, marital status, or receipt of income from public assistance programs.
A homeowner's financial interest in a property. Equity is the difference between the fair market value of the property and the amount still owed on its mortgage.
A lender determines how much equity you have in your home by taking the appraised value of the home and subtracting any mortgage debt.
For example, if your house is valued at $150,000 and your mortgage balance is $80,000, you have $70,000 equity in the house.
Errors in Credit Report
Your credit report may contain inaccuracies. The best way to ensure there are no errors in your credit report is to request copies and review the information.
Since each of the main credit bureaus keeps its own records, you may want to request copies from all three: Trans Union, Equifax, and Experian.
If you have been turned down for credit because of the information in your credit report, you are entitled to receive a free copy of your report within 60 days of the denial. If you haven't been denied credit, you can still request a copy of your credit report, usually for a nominal fee.
If you find errors in your report, follow the directions in the credit report and contact the agencies to have the errors corrected. They will investigate the targeted items and remove incorrect information.
You don't have to delay applying for a mortgage while errors in your report are being corrected. Explain the discrepancies in the report to your lender and state that the credit agency is correcting them.
An item of value, money, or documents deposited with a third party to be delivered upon the fulfillment of a condition. For example, the deposit by a borrower with the lender of funds to pay taxes and insurance premiums when they become due, or the deposit of funds or documents with an attorney or escrow agent to be disbursed upon the closing of a sale of real estate.
Escrow Account
The account in which a mortgage servicer holds the borrower's escrow payments prior to paying property expenses.
An escrow account is money that is deposited with a third party - outside the buyer and the seller - to be used to pay various fees. A borrower typically provides funds that will pay taxes, mortgage insurance, lease payments, hazard insurance premiums, and other payments when they are due.
An escrow payment by the holder of a mortgage is also known as "impounds" or "reserves" in some states.
When escrow funds are used to pay taxes, hazard insurance, and other fees, it is called an escrow disbursement. Periodically, an escrow analysis will be performed to determine if current monthly deposits provide sufficient funds to pay bills when they are due.
Escrow Analysis
The periodic examination of escrow accounts to determine if current monthly deposits will provide sufficient funds to pay taxes, insurance, and other bills when due.
Escrow Collections
Funds collected by the servicer and set aside in an escrow account to pay the borrower's property taxes, mortgage insurance, and hazard insurance.
Escrow Disbursements
The use of escrow funds to pay real estate taxes, hazard insurance, mortgage insurance, and other property expenses as they become due.
Escrow Payment
The portion of a mortgagor's monthly payment that is held by the servicer to pay for taxes, hazard insurance, mortgage insurance, lease payments, and other items as they become due. Known as "impounds" or "reserves" in some states.
Establishing a Credit Report
It is possible to establish a credit history even if you do not have a traditional credit record that shows credit card payments or payments on a student or car loan.
You can build a nontraditional credit history, for example, by documenting your monthly payments to previous and current landlords; to utility companies for your gas, water and telephone services; and to insurance companies for medical, life, and automobile coverage.
Your lender can provide further details on how you can effectively establish a credit record.
The ownership interest of an individual in real property. The sum total of all the real property and personal property owned by an individual at time of death.
The lawful expulsion of an occupant from real property.
Examination of Title
The report on the title of a property from the public records or an abstract of the title.
Exclusive Listing
A written contract that gives a licensed real estate agent the exclusive right to sell a property for a specified time, but reserving the owner's right to sell the property alone without the payment of a commission.
A person named in a will to administer an estate. The court will appoint an administrator if no executor is named. "Executrix" is the feminine form.
Fair Credit Reporting Act
A consumer protection law that regulates the disclosure of consumer credit reports by consumer/credit reporting agencies and establishes procedures for correcting mistakes on one's credit record.
Fair Market Value
The highest price that a buyer, willing but not compelled to buy, would pay, and the lowest a seller, willing but not compelled to sell, would accept.
Fannie Mae (FNMA)
A New York Stock Exchange company and the largest non-bank financial services company in the world. It operates pursuant to a federal charter and is the nation's largest source of financing for home mortgages.
Federal Housing Administration (FHA)
An agency of the U.S. Department of Housing and Urban Development (HUD). Its main activity is the insuring of residential mortgage loans made by private lenders. The FHA sets standards for construction and underwriting but does not lend money or plan or construct housing.
Fee Simple
The greatest possible interest a person can have in real estate.
Fee simple ownership provides the owner with unrestricted powers to dispose of the owned property as the owner sees fit. Of all types of ownership a person can have in real estate, fee simple provides the greatest amount of personal control.
Fee Simple Estate
An unconditional, unlimited estate of inheritance that represents the greatest estate and most extensive interest in land that can be enjoyed. It is of perpetual duration. When the real estate is in a condominium project, the unit owner is the exclusive owner only of the air space within his or her portion of the building (the unit) and is an owner in common with respect to the land and other common portions of the property.
FHA Coinsured Mortgage
A mortgage (under FHA Section 244) for which the Federal Housing Administration (FHA) and the originating lender share the risk of loss in the event of the mortgagor's default.
FHA Loans
With FHA insurance, you can purchase a home with a low down payment from 3 percent to 5 percent of the FHA appraised value or the purchase price, whichever is lower.
FHA mortgages have a maximum loan limit that varies depending on the average cost of housing in a given region. In general, the loan limit is less than what is available with a conventional mortgage through a lender.
FHA Mortgage
A mortgage that is insured by the Federal Housing Administration (FHA). Also known as a government mortgage.
With FHA insurance, you can purchase a home with a low down payment from 3 percent to 5 percent of the FHA appraised value or the purchase price, whichever is lower.
FHA mortgages have a maximum loan limit that varies depending on the average cost of housing in a given region. In general, the loan limit is less than what is available with a mortgage through a lender.
Final Walk-Through Inspection
Your sales contract should include a clause that allows you to examine the property you want to purchase within the 24 hours before closing.
This walk-through, during which you will be accompanied by the real estate sales professional, is your chance to ensure that the seller has vacated the house and left behind whatever property was agreed upon.
Make sure to check that all lights, appliances, and plumbing fixtures are in working order.
You will also want to make sure that all conditions of the sales contract have been met. If they aren't, or you observe major problems, you have the right to delay the closing until the problems are corrected.
One other option is to make sure money to correct the problems is placed in an escrow account at closing to cover the cost of repairs.
Financial Index
An index is a number to which the interest rate on an adjustable rate mortgage (ARM) is tied. It is generally a published number expressed as a percentage, such as the average interest rate or yield on U.S. Treasury bills. A margin is added to the index to determine the interest rate that will be charged on ARMs. This interest rate is subject to any caps associated with the mortgage.
The interest rate changes on an ARM are tied to some type of financial index. Some of the most common type of indexed ARMs are:
Treasury-Indexed ARMs
CD-Indexed ARMs (Certificate of Deposit)
Cost of Funds-Indexed ARMs (COFI)
LIBOR-Based ARMs
When comparing ARMs, look at how the index to which it is tied has performed recently. Your lender can provide information on how to track the index and a history of the index they use.
Finders Fee
A fee or commission paid to a mortgage broker for finding a mortgage loan for a prospective borrower.
Firm Commitment
A lender's agreement to make a loan to a specific borrower on a specific property.
First Mortgage
A mortgage that is the primary lien against a property.
A "first mortgage" is the primary lien against a property. The term is usually coined "first mortgage" only when a "second mortgage" is obtained on a property. A "second mortgage" is a lien that is subordinate to the first mortgage. Usually, the interest rates on second mortgages are slightly higher than the interest rates on a first mortgage. The amount of a second mortgage you can take out will depend on the equity you have built up in your home, the appraised value of your property, your credit history, and any other liens you may have against your property, such as a home equity line of credit.
Borrowers will typically get a second mortgage to tap into the equity they've built in their home - and use that for home improvements, debt consolidation, medical bills, or other purposes. You apply for a second mortgage with the same process you follow for a first mortgage. However, some of your closing costs may be less.
When you have a first and second mortgage, you theoretically have two loans, both requiring interest and principal payments.
Fixed Installment
The monthly payment due on a mortgage loan. The fixed installment includes payment of both principal and interest.
Fixed-Period Adjustable-Rate Mortgages
This type of adjustable-rate mortgage (ARM) maintains the same initial interest rate for the first three, five, seven, or 10 years of your loan, depending on the term you choose. Your interest rate then adjusts annually, and can move up or down as market conditions change. Be sure to ask your lender about the interest rate caps for both the annual adjustments and for the life of the loan.
Your initial interest rate will be lower than a fixed-rate mortgage, so you may be able to afford more home.
You are protected against interest rate increases for the first three, five, seven, or 10 years of the loan, depending on which type of fixed-period ARM you choose.
You may have the option to convert your ARM to a fixed-rate mortgage at the first, second, or third interest rate adjustment dates.
You have time to improve your financial position (i.e. salary increases) or accumulate additional assets before the interest rate adjusts at the end of the fixed period.
The lifetime interest rate cap for fixed-period ARMs is typically 5 to 6 percentage points above your initial rate. Your annual cap during the adjustable period is typically 1 to 2 percentage points above or below over the current rate.
Can be used to buy one- to four-family residences including second homes and condos, co-ops and planned unit developments. Manufactured homes are also eligible. (Manufactured housing units must be built on a permanent chassis at a factory and then transported to a permanent site and attached to a foundation.)
Fixed-Rate Mortgage
A mortgage in which the interest rate does not change during the entire term of the loan.
Fixed-rate mortgages, the most popular type of mortgage, offer the peace of mind that your interest rate will remain the same for as long as you have your loan. If you expect to live in your home for many years, having the same interest rate may be your key concern. If you decide that you like the stable, predictable payments of a fixed-rate loan, you have the option of choosing from a variety of repayment terms: 15, 20, and 30 years are the most common. Typically, the longer the term of the mortgage, the more interest you pay over the life of your loan. However, stretching out your repayment term means your monthly mortgage payments will be less than they would be with a comparable shorter-term mortgage. Lenders offer a wide array of fixed-rate mortgages:
Balloon Mortgages
Biweekly Mortgages
Personal property that becomes real property when attached in a permanent manner to real estate.
Flood Insurance
Insurance that compensates for physical property damage resulting from flooding. It is required for properties located in federally designated flood areas.
The legal process by which a borrower in default under a mortgage is deprived of his or her interest in the mortgaged property. This usually involves a forced sale of the property at public auction with the proceeds of the sale being applied to the mortgage debt.
If you repeatedly do not make your mortgage payments on time, your lender could sell your home and evict you from it in a legal procedure called foreclosure. A foreclosure on your property can result in the loss of your home and your good credit rating. Foreclosure is most often a last resort effort that lenders will take if you repeatedly don't make your mortgage payments. Before going to foreclosure, lenders will work with you if you are facing financial hardships to come up with repayment plans that will let you get back on track and remain in your home.
The loss of money, property, rights, or privileges due to a breach of legal obligation.
FSBO (For Sale by Owner)
For Sale By Owner, or FSBO, is the process of marketing, buying and selling of real estate without the representation of a real estate broker. FSBO can refer to both the individual selling the property "They are a FSBO," or the property itself "that house is a FSBO."
Fully Amortized ARM
An adjustable-rate mortgage (ARM) with a monthly payment that is sufficient to amortize the remaining balance, at the interest accrual rate, over the amortization term.
General Contractor
A general contractor is someone whom you may work closely with during your home improvement project. The general contractor is the person who oversees the construction project and handles various aspects such as scheduling workers and ordering supplies.
If you are borrowing mortgage funds to renovate a home, your lender may need to review whether your contractor meets all federal, state, and local registration, licensing and certification standards.
Good Faith Estimate
The good-faith estimate is a report from your lender that outlines the costs you will incur to get your mortgage. It is based on the lender's typical loan origination costs for the area where your home is located. The estimate usually changes between application and closing, so you'll want to review your settlement form before the closing meeting.
The settlement form will list the actual amount of money you'll need to bring to closing. You'll need to pay your closing costs in the form of a certified or cashier's check because personal checks usually are not accepted.
Government Mortgage
A mortgage that is insured by the Federal Housing Administration (FHA) or guaranteed by the Department of Veterans Affairs (VA) or the Rural Housing Service (RHS). Contrast with conventional mortage.
Government National Mortgage Association
A government-owned corporation within the U.S. Department of Housing and Urban Development (HUD). Created by Congress on September 1, 1968, GNMA assumed responsibility for the special assistance loan program formerly administered by Fannie Mae. Popularly known as Ginnie Mae.
The person to whom an interest in real property is conveyed.
The person conveying an interest in real property.
Ground Rent
The amount of money that is paid for the use of land when title to a property is held as a leasehold estate rather than as a fee simple estate.
Group Home
A single-family residential structure designed or adapted for occupancy by unrelated developmentally disabled persons. The structure provides long-term housing and support services that are residential in nature.
Growing-Equity Mortgage (GEM)
A fixed-rate mortgage that provides scheduled payment increases over an established period of time, with the increased amount of the monthly payment applied directly toward reducing the remaining balance of the mortgage.
Guarantee Mortgage
A mortgage that is guaranteed by a third party.
Guaranteed Loan
Also known as a government mortgage.
Hazard Insurance
Insurance coverage that in the event of physical damage to a property from fire, wind, vandalism, or other hazards.
Home Equity Conversion Mortgage (HECM)
A special type of mortgage that enables older home owners to convert the equity they have in their homes into cash, using a variety of payment options to address their specific financial needs. Unlike traditional home equity loans, a borrower does not qualify on the basis of income but on the value of his or her home. In addition, the loan does not have to be repaid until the borrower no longer occupies the property. Sometimes called a reverse mortgage.
A Home Equity Conversion Mortgage (HECM) is a type of home loan that lets homeowners aged 62 or over with little or no remaining balance on their mortgage convert their equity into cash. The equity can be paid to the homeowner in a lump sum, in a stream of payments, draws from a line of credit, or a combination of monthly payments and line of credit.
Whatever payment plan you select, you do not have to repay any part of this reverse mortgage until you sell the home or vacate it for another reason. At that time, you pay the loan balance, plus any accrued interest. Any proceeds above that amount go to you or to your estate.
Developed by the Federal Housing Administratio


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Cash Mobbers get ready to shop local for the holidays!
Join (www.kitsapcountycashmobs.c
MEN shoppers are welcome and we will help you with gift giving ideas. See below for more guest vendors!
Where: November 10th 9am-5pm
Guest Vendors will also include
PS) Wondering how else you can help? Kitsap County Cash Mobs could use donations that will help with the current and past website expenses. If you are able to help, we have set up a link for easy donating. Thanks in advance for ANY help! Donation Link Here: https://fundrazr.com/campaigns/4LB32
Designs of the Times -What Inspires You?
Design is everywhere. It can be in the food we eat, the art we buy or the Jewelry we wear. The Designs of the Times Blog is about the people, places and things that help us a enjoy the abundance of creativity all around us. Join us as we showcase the rich designs of our surroundings that make up this great area we call home- Kitsap County! We hope to bring inspiration, joy, and creativity to all who read our Blog.
Lisa Jachimowicz
"If your actions inspire others to dream more, learn more, do more and become more, you are a leader"

subset: commoncrawl


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Doc Delivers
Since 2004, the Astros are 32-21 against the Phillies, the best record in the NL against Charie's crew.
Last time the Phillies were swept in a series of three or more games, August 2010, a four-gamer at Citizens Bank Park. Yep, the Astros.
Owning the highest ERA in the NL, the Astros held the Phillies to four runs in three games and almost pulled off another sweep.
Wednesday, Doc got one of those four runs and made it stand up, sending the Phillies into the postseason for the fifth straight year. It was his 20th shutout, most among active pitchers. It was the Phillies 21st this season, and, are you ready for this, his first. Hard to believe, Harry.
Phillies flew home and need to sleep fast because they have two games against the Marlins on Thursday, the first at 2:35 p.m. So, 16 more games in 14 days.
Clinching a postseason berth in their 146th game, is yet another club record by this bunch. In 1915, they won the NL pennant in their 147th. Schedule back then was 152 games.
So, the Phillies have made it to five straight postseasons. Between 1883 and 1978, they totaled five.
Alumni Views
What changes would you make in baseball? That question was posed to Phillies Alumni.
Jim Kaat, (LHP, 1976-79)
"Eliminate the DH, soften the baseball, disallow a lot of the light laminated bats (no bat lighter than 32 oz), liberalize the strike zone and trips to mound to make pitching changes (no visits)."
Down On The Farm
Scoring all their runs in the last of the eighth inning, the Columbus Clippers evened the International League best-of-five championship series at 1-1 with a 4-1 decision over the IronPigs.
Series shifts to Coca-Cola Park for the next three games, if needed. Game #3 is Thursday night.


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Bodegas Tradición is the unique Jerez bodega to only bottle consistently genre-defining, very fully aged wines capable of pleasurably filling the senses. The wines receive no caramel, cooked-wine, fining, chill-filtration, cold stabilization, sulphites in the dry wines during maturation and bottling, nor blending between styles (Tradicion Cream excepted)...
In other words, the real thing, as it is backed up by many of the world's major wine critics. And like all the great wines, they are as splendid alone as they are with the right dishes, with food pairing potential way beyond a midwinter aperitif. The most important thing is to use ample glasses, such as Burgundy or Montrachet pattern, and enjoy.
Tradición. Genuine wines, purest styles
Tradicion was conceived in the late 1990s by a descendant of the oldest sherry house J.M. Rivero, dated 1650. Our bodegas are open for viewing by appointment, as is our considerable collection of Spanish grand master paintings.
Sherry & the mistery of Palo Cortado
This documentary from José Luis López Linares was played at the Berlinale Festival in Berlin during its 65th edition and within the "Culinary Cinema" section of the program.
This movie provides an insight of the wonders of sherry, because what we taste in a glass of sherry is not just wine, it is also the place, Jerez, and the people who make it possible, a must for wine lovers.


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Why the Church of England Voted Down Women Bishops
The Church of England voted against a measure that would have allowed women priests to become bishops. WSJ's Jeanne Whalen explains why the move was rejected by Synod members despite support from the Church's sitting bishops and clergy. Photo: Getty Images
This transcript has been automatically generated and may not be 100% accurate.
I the the ... so the Church of England was voting whether to allow been increased to become bishops ... and it's been a legislative debate interesting one for twelve years now and I'm thinking of yesterday ... and the bishops and clergy supported the measure but the lay members of pictures act if he did it so the measure did not ... so the but was defeated because it's ... an awfully members of the church ... felt the pain ... the legislation to protect their wishes and so ... the legislation would have allowed for women to become bishops but it also had some provisions for ... members of the church and don't want to worship under one bishop to continue being part of the church ... um ... but without ... accepting women bishops ... and a lot of the delay in numbers weren't enough to defeat the both of those provisions were strong enough to protect their dissenting position so they could be addicted ... to the required ... two-thirds support from the bishops clergy and the lay members of the church ... and it was just the lay members who didn't ... on top about two years or ... so of global significance of the body is that that the Church of England is kind of the mother Church of the global Anglican thing they're in a million records worldwide ... they all form part of a kind of loose association of churches called the Anglican Communion and that surgery was seen as one of the spiritual head of the Communion ... and while it doesn't dictate to the rest of the Anglican churches world wide ... in the way of the Vatican has with Catholic churches ... it is still seen as kind of the world leader in so ... there's a lot of debate in the Anglican faith globally over the last ... several decades about whether women should increase whether they should be bishops ... um and I thinks conservative ... branches of the milk and they know will will look to this ... decision of the Church of England has kind of legitimizing ... a conservative approach here I'm you know not allowing women to kind of leadership positions in the church ... for the new incoming Archbishop of Canterbury Justin Welby who was just appointed a few weeks ago and new starts ... next month and December ... this is kind of an embarrassment because he came out right away when he was appointed in and urged the church to ... vote in favor of this measure ... he gave a speech yesterday on the floor of the General Synod which is the church's governing body supporting measure it then ... and yet ... it was defeated so for him this isn't ... a great start to use in a new era of leadership ...


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Jan 22, 2018
May 13, 2018
How to Prepare for BHU UET B.Sc 2018
For Latest Information on BHU UET 2018, Click Here!
Make a proper Schedule of studies
It is very important that you make a schedule of studies and stick to it and you will have an exact idea of what you are required to study and the time required for it.
Focus on Concept clarity
It is essential that you have a clear idea of the concepts and formulae rather than rote learning of things for the papers. While you might require it for memorizing formulas it is important that for other stuff you make sure you clear your basics and concepts before moving on.
Arm yourself with relevant Notes
It is very important to make small notes or a comprehensive list of formulas on each covered topic and chapter which will come in handy at the time of revision. This will require you to be regular with your work but will surely make things easy at the time of revision.
Go to a mentor and seek guidance
It is not possible for you to know everything in your syllabus, at least not at the time of preparation. Sooner or later you will run into a concept or so which will give you trouble and then it is best you seek guidance from an instructor or a teacher. It is necessary that you clear your doubts at regular intervals and don't prolong things for long. Getting into a good coaching class is nothing to be ashamed of and if anything a regular coaching class will enable you to avoid roadblocks in your preparation.
Keep piles of Sample Papers
Even though there may be a complete change in the exam pattern or the expected questions altogether, it is important that you practice on the sample and previous years question papers available for the engineering exam you'd be attempting. You will know the existing pattern and have a fair idea of the type of questions to expect in the paper along with the time constraint.
Write Mock tests
The paper pattern, duration of the paper and the number of questions to be attempted in the given amount of time is not something you will be able to pick up on the day of the examination. A Mock Test tests a student's abilities as it not only provides a similar feel of real exams but also helps in building speed and confident to face the exam. Furthermore, they can improve their performance to get an extra edge in actual exams. Try to build up an Entrance Exam Test Prep MCQ Question Bank
Beat the Ticking Demon
Every exam calls for answering a maximum number of questions within a stipulated time. Hence, time management is very important. It can be mastered through thorough practice and regular test taking. So it is important that you practice it and practice it well.
Negative marking
Most the entrance examinations will have negative marking and everyone would suggest you stay clear of questions are not sure about. But some experts are of the opinion that you answer the questions in which you are confused between an option or two because there will also be a chance of getting it right.


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Pink Tulip
Flowers absolutely brighten a room, bring a smile, and make a otherwise dull day, bright again. Sunflower in painted light.
You know autumn is on its way in when the sunflowers are out for the last bit of summer.
Dahlia flower.
Pink Explosion
Find your own reason to bloom each day.
Spring day with a gerber daisy.
Pink gerber daisy
Sunshine glowing, no breeze in the air, and a gorgeous morning surrounded by gerber daisies.
Cherry blossom tree in bloom.
Spring has arrived and with some recent rain storms, the blossoms have just really taken off in full force!
The bright colors of a flower can make all the difference in a feeling.
Spring is not far around the corner but thankfully we can enjoy flowers many times through out the year if grown in green houses and indoor climates during the harsh winter. White daisy.
Mid Day Stopover
A beautiful spring day at Red Butte Gardens.
A Rose By Any Other Name
Water droplets nestled atop a dried rose.
Purple rose
Blossom Among The Thorns
Wild flower
firstname.lastname@example.com ~ Copyright © 2008-2019 Kelly Rogerson Photography LLC ~ All Rights Reserved
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$121.00 + tax
Please enter your team's details below. Once we receive these details we will send you an agreement confirming your team's reservation.
We are a Collegiate Sports Travel Agency that specializes in Collegiate team hotel accommodations. We currently work with over 130 college programs nationwide.
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Our goal is to save you, the coach, time and money on your team's travel for the season. We basically act as your personal travel assistant that works for FREE!
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Boise, Idaho 83704
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Tumblelog !!
- Custom Bilstein HD 37mm Motorsport Inserts + Eibach Springs ready to rally! March 25, 2017 at 06:37PM from ift.tt/2nAE3ed
- Nothing too extravagant in here, but she took us to 3 national production championships and is ready for more. Our 1996 Rally Neon For sale @ rallynotes.com March 11, 2017 at 06:56PM from ift.tt/2mdJaNb
- It was past time for a fresh coat. Rally car prep beats up the floor pretty good. I will epoxy the next garage, but this will clean up this one for now. ☺ January 14, 2017 at 05:00PM from ift.tt/2jRmHcd
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The Prescott Rally 2011 – Some last minute drama…
Last Tuesday after a marathon weekend of mounting seats, belts, lights, etc. I wanted to drive the 2GN rally car to work and get some miles on it before the rally. I start her up in the garage – *blub … Continue reading


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Sunday, February 1, 2009
Someone Paid Dearly For This
Posted by Rot at 6:19 AM
Labels: cats, flickr.com, masks
2 comments:
- JHMDF said...
MAD CAT!!!! Im gonna do that to my cats.
- February 1, 2009 at 3:43 PM
- The Frog Queen said...
Hee! I would try this but I like my blood on the inside of my body.
- February 4, 2009 at 1:32 PM
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Download the white paper: "Workload Automation: Accelerating Digital Services Delivery"
This paper will help you leverage workload automation to automate your approach to creating and changing batch workflows in application development, and scheduling batch services in IT operations. It will also give you the information you need to select the right workload automation solution. As a result, you will:
- Reduce application development time and cost
- Deliver higher quality digital services
- Increase IT's agility in delivering digital services to meet the demands of the business


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Art Search
Browse the entire WAG collection using the Art Search database.
Search results for:
Based on a design from the South Kensington Museum made by Mrs. Wallace, mother of Mrs. Bolton-Hill. Gold silk centre done in muted pinks, greens and gold silk embroidery in a crewel pattern - teal silk border on four sides.
Large spread comprised of linen squares embroidered in blue and yellow crewel work; the squares are joined together by lace panels backed with blue silk. Designed by South Kensington School of Needlework. Embroidery on linen with Battenberg lace.
Table runner
Hardanger embroidery in Irish linen.[or Broderie Anglaise ? -1982 exhibition labels]
Brussels mixed combination machine-made and net embroidery lace.
Bobbin lace sample
Bobbin lace sample
Valenciennes bobbin lace. Fine ecru linen with embroidered leaf and flower design; lace edge.
Green silk damask skirt with applied blue and white embroidery.
Pillow cover
Ecru-coloured, filet patterned crochet in centre panel, four square side panels are comprised of alternating squares of tatted design and cut out appliqued silk, with crochet edging, all backed with pale pink silk. Silk backing is attached on three sides.
Embroidery panel
Japanese silk square with embroidered peony and other floral motifs.
Embroidered sampler
Multi-coloured silk and metal embroidery on linen; design motif similar to sampler designs.
Embroidered sampler
Russian cross stitch. Alternating bands of cotton and linen materials, each embroidered in a different design, using coloured embroidered cotton.
Fuschia silk with fuschia applique embroidery in floral pattern. Brought from India by donor's great-grandfather before 1812 (her grandfather was born 1812).
Embroidery panel
Black linen oblong closely covered with rust, grey and gold silk floral and leaf embroidery. Marked 'Old Persian embroidery', probably Japanese embroidery.
Blue silk lined with navy silk; floral all-over embroidery.
Embroidery panel
Embroidered panel with Mt. Meru and dragons in gold thread, possibly Chinese. Navy silk with heavily embroidered dragon design panel along bottom - six embroidered circle with dragon pattern above.
Embroidery panel
Red silk square embroidered with gold thread, bird and flower design. Couched metal thread on silk.
black lace shawl. black lace- centre medallion design.
Embroidered silk bands; possibly Chinese; 2 pieces. Blue silk with heavy gold flower pattern embroidery.
Embroidery in silk net; Chinese pagoda and figure motif. Thread: blue, green, rust, cream, orange, gold.
Beadwork panel
Beadwork figure design, partly worked. Victorian adaptation of 17th century stumpwork.
Book cover, book
Embroidered book cover covering 'The Poetical Works of Percy Bysshe Shelley'. Elizabethan (1558-1602) design. Gold, mauve, coral, yellow, green, blue sprays of irises embroidered on ecru linen. Four heraldic shields in blue and gold along top of front cover with '19', 'J', 'W', '00' in each shield in red thread. Ribbon design encircling front to back with scattered leaves.
Book cover, book
Embroidered book cover covering Milton's 'Paradise Lost'. Mid-17th century design. Off-white silk damask cover (with red silk interior) with embroidered pink, white, red and green spray of carnations on front, a solid band of green around edge. Smaller flower motif on back and green stitching on spine.
Book cover, book
Embroidered book cover covering 'A Tale of Two Cities' by Charles Dickens. Mid-17th century design. Cover is off-white silk embroidered spray of purple tulips, five small tulips across bottom, all enclosed by small band of red and gold embroidered banding. Smaller spray on back and four small tulips on spine; all also enclosed by red and gold banding.
Gallery Hours
- Tuesday 11am-5pm
- Wednesday 11am-5pm
- Thursday 11am-5pm
- Friday 11am-9pm
- Saturday 11am-5pm
- Sunday 11am-5pm
- Closed Monday


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Search Results
There are 55 item(s) tagged with the keyword "American Values".
- Displaying: 1 - 10 of 55
- 1. Memorial Day 2018 - We Will Remember
Greater love hath no man than this, that a man lay down his life for his friends. John 15:13Click here to read more
- 3. McCain-Assisting PAC Misleads Voters about Conservative Opponent Kelli Ward
by Patrick O'Malley and Anita Christy
The Arizona Grassroots Action PAC has been running a negative ad about Kelli Ward for weeks on radio stations and FaceBook. The ad claims she failed to support our military with the funding needed to pay the troops. It also claims she sponsored a bill to prevent law enforcement in Arizona from cooperating with the feds to prevent terrorism.
Both claims are false.
Every year, Congress passes a National Defense Authorization Act (NDAA) to fund the military. A serious criticism of the 2013 NDAA was that it continued to include a provision that allows the military to detain individuals, including US citizens, indefinitely and without trial, as part of the war on terror.
Kelli Ward was a State Senator and couldn't vote on the NDAA, but she was asked about the bill and specifically about the indefinite detention of individuals issue on a talk radio show. The show is Love, Guns, and Freedom with Luca Zanna, and the discussion about the NDAA with Kelli Ward is part of the December 1, 2013 show. That's where the quote "I don't support the bill" comes from. It was in response to a direct question about the indefinite detention provision.
In 2014, many brave conservatives joined Ted Cruz in opposing this tyranny for the same reason given by Kelli Ward. See Ted Cruz: Indefinite Detention Retained in NDAA 2014.
The second issue concerns Arizona SB1156 in 2014. Dr. Ward was the prime sponsor, along with 13 co-sponsors. The Grassroots Action PAC claims the bill would restrict Arizona law enforcement from cooperating with the feds to fight terrorism. Do you remember back when we found out the NSA was monitoring our phone calls? That it wasn't just suspected terrorists' international calls like we'd been told? It was everybody's calls all the time? And people were wondering what had happened to their Fourth Amendment protections from search and seizure? SB1156 stated that the NSA and other federal agencies that wanted cooperation from local law enforcement in their investigations and wanted to collect information in Arizona had to get a warrant. No cooperation without a warrant.
The AZ Grassroots Action PAC was organized in 2014 supposedly to support or oppose multiple federal candidates and is classified as an independent expenditure committee.
Not quite. According to an article in Politico titled McCain's big purge:Click here to read more
- 5. Dr. Ben Carson and President Thomas Jefferson call for unity
It is time to unite and elect Donald Trump. Former President of the Arizona Senate, Russell Pearce, recently called for unity. So did Dr. Ben Carson and President Thomas Jefferson.
On March 4, 1801, Thomas Jefferson delivered his First Inaugural Address. Within that Address, he wrote:
"Let us, then, fellow-citizens, unite with one heart and one mind. Let us restore to social intercourse that harmony and affection without which liberty and even life itself are but dreary things. And let us reflect that…we have yet gained little if we countenance a political intolerance as despotic and wicked. But every difference of opinion is not a difference of principle. We have called by different names brethren of the same principle. We are all Republicans, we are all Federalists."
On May 12, 2016, Dr. Ben Carson wrote an article titled The Cost of Division: Truth and Consequences. Within that article, he wrote:
"As we approach the presidential election of 2016, conservatives need a strong dose of purpose and harmony. We have witnessed the politics of personal destruction at a level even more intense than occurred during the 2012 election cycle. After that failed attempt by conservatives to capture the White House, much post-election analytical activity concluded that the Republican candidates had once again snatched defeat from the jaws of victory by crucifying one another, leaving President Obama with relatively little work to do to win despite his dismal record on the economy and international relationships."
Dr. Carson ends the article with this:
"It is time for us to think about our patriotic ancestors who sacrificed much, in many cases even their lives, to provide opportunities that we now enjoy. It is our turn to be responsible."
- 6. Home
- 8. Memorial day 2016 | Why Americans need to celebrate Memorial day 2016 with full devotion
- Click here to read more
- 9. Donald Trump: One-Man-Wrecking Ball Suited for our Times
I didn't vote for Trump. But I agree with former Senate President Russell Pearce, Treasurer Jeff DeWit, conservative activist Sandi Bartlett, and a host of others that we must rally behind Trump as our next President. His detractors say he's flip-flopped on issues. He isn't a "true" conservative. He's uncouth, narcissistic, and unrefined. All of that may be true. They say he's racist. He's sexist. I don't believe that. But why is he so popular with the American people? This article addresses that question, and explores another one: Is it possible, as asked by Australian Pastor Steve Cioccolanti , that the Hand of God is on Donald Trump, "for such a time as this"? If so, it won't be the first time that God has used the most unlikely of men for His Purpose.
As to Donald Trump's popularity, Scott S. Powell believes that Trump possesses "qualities that are among those most vital to rebuilding relations with America's allies and restoring respect -- even fear -- from adversaries. Mr. Trump's directness also suggests he is the best-suited presidential candidate to take on America's insolvency. He could be the president who corrects the nation's out-of-control spending, deficits and unsustainable debt. Trump's toughness may be the key virtue needed to rule in a divided country and to successfully downsize and restructure federal agencies and get Washington out of the way of the American economy and its people."
America: The Unprotected and the SuicidalClick here to read more
- 10. WE MUST UNIFY IF YOU LOVE THIS REPUBLIC, by Russell Pearce
Russell Pearce has taken a stand to support Donald Trump, and I agree with him. Please read what he has to say:
As former President of the Arizona Senate, as former Chief Deputy to Sheriff Joe, as former 1st Vice Chair of the Arizona Republican Party and as a consistent Constitutional defender of our Founders Constitution, as Tea Party Patriot, I stand with the majority of Arizona Republicans and America in standing with Donald Trump.Click here to read more
- Displaying: 1 - 10 of 55


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Girls creator Lena Dunham is expanding her TV credentials by signing up to write a new show based on the memoirs of a stylist to the stars.
Dunham, who writes, stars in and directs Girls, will re-team with the show's executive producer Jenni Konner to produce another show for HBO, based on All Dressed Up And Everywhere To Go, according to Deadline.com.
The book's author, Betty Halbreich, has spent years as a personal shopper for famed New York department store Bergdorf Goodman and has dressed stars including Meryl Streep, Sarah Jessica Parker and Glenn Close, and has also worked on Sex and the City and several Woody Allen films.
Girls has won critical acclaim for 26-year-old Dunham, as well as two Golden Globe Awards.


text: SAN FRANCISCO (MarketWatch) -- Treasury prices were little changed early Wednesday in post-holiday trading, as nervous focus remains on whether Washington lawmakers will return to negotiate a deal to avert the most severe economic impacts from expiring tax breaks and spending measures. Yields on 10-year notes TMUBMUSD10Y, +0.00%, which move inversely to prices, traded at 1.78%. Coming up is U.S. data on home prices and a regional manufacturing survey.


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Psycadelik Thoughtz
Tighter Slim Fit T-Shirt
Beautiful Girl Gold Plated Necklace
Look, we know you have Spotify. If you don't, you should get it right now here - courtesy of B.o.B AKA Bobby Ray. Once you've got that baby all juiced up and ready to roll, take a listen to - oh wait - all of B.o.B's songs here. You're welcome.


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In last weeks blog post you had a First Look at the new Harken Laser Blocks that should be available at the end of the month. Since then we've had a bunch of people pre-order them already, so kudos to you early adopters!
Thankfully, within the last few days I've managed to get my hands on a set of these babies and install them on my own Laser. I took them out for a spin during the weeknight racing we hold here at SSA on Tuesday nights. Unfortunately the weather didn't fully cooperate with my plans as the we mostly drifted around in a breeze that varied between 0 and 3 knots.
Never the less I was impressed with the new blocks and I got a few comments from some of the other Laser sailors out on the course – so at the very least these new blocks will totally make you look cooler. And everybody knows that looking cool is the first step to going fast.
Here's a video we shot before I went out sailing talking about the differences between the new and old blocks. Sorry for the intermittent applause, there was an awards ceremony going on for the Snipe Women's Nationals that had just concluded – which was won by Carol Cronin and Annapolis local Kim Couranz by the way. There are some more detailed technical specs below the video.
|Weight Comparison
|Old Laser Blocks
|New Harken Blocks
|Traveler Block
|2.7 oz (including shrink wrap)
|2.5 oz
|Aft Boom Block
|Forward Boom Block
|5.9 oz
|5.4 oz
So the new blocks are 0.5 oz lighter which is a littler more than a 8% reduction in weight. Is that significant? I can't imagine anyone would ever actually notice that small of a weight difference. If you're doing an Olympic campaign than sure, every little bit counts, but for most of us that's not the big selling point here.
The blocks all measure pretty similarly. The distance between the bearing surfaces of the sheaves on the new traveler block is 1/8″ further apart than on the old blocks but Laser Performance assures me that the over distance when the traveler and the boom block nest together is the same. I still need to measure the overall traveler line to boom distance with both of them and will put those measurements up this weekend after I have a chance to put a tape measure on both setups.
Overall the new Harken boom and traveler blocks seem pretty cool and I think will be a welcome new change (albeit a small one) in a class that's been pretty static for a while.
I'll be using the blocks this weekend at the Laser Radial & 4.7 ACCs here at SSA so any additional feedback I have I'll post as a comment here.


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Students follow the steps below:
Parents and third parties follow the steps below:
Parents and other third parties with multiple students attending SIUE will have a different user name for each student.
If a third party forgets their password, contact your student and ask them to reset your password. Students reset a third party password by logging in to siue.edu/paymybill and selecting "Edit" and "Reset Password" for the third party user name. A temporary password will be emailed to the third party's email address.


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Preachers mission awareness trip
Dec. 2-9, 2008
CFCA preachers make history with first preacher awareness trip
This is a very special group and a very special opportunity for all participants, for the projects, for our beloved sponsored and for CFCA.†Nine CFCA†preachers attended†our first preacher†awareness trip to gain a deeper sense of the CFCA world. The El Salvador hosts were the sponsored families, Henry Flores, Yessenia Alfaro and the entire CFCA team. In Honduras, the hosts were the sponsored families, CFCA staff leaders Miriam Cartagena, Luis Jaco and the entire CFCA Team.
On Dec. 3, CFCA scholar Martita spoke in our opening prayer. Abandoned by her father when she was just 2, her mother struggled to send her children to school. Martita will graduate in one year with a bachelorís in computer science and administration. After learning that Martitaís CFCA scholarship covered only half of her university expenses, Father Jim OíToole stepped forward and offered to become her sponsor.
Personal stories stand out
Tradition among the sponsored families in Tacuba is to silently hide in the church and surprise the mission awareness trip participants who arrive thinking that the town is still asleep. Father Bob Hasenkamp celebrated Holy Mass with Salvadoran Father Edwin Roberto Nunez.
When speaking of language limitations, Father Bob Hasenkamp mentioned that ìwe speak with our eyes and our hearts.î
Family visits along with natural and stimulating interchanges followed. The preachers commented that they were hearing really fine anecdotes for their personal edification and for their preaching.
Inspiring scholars
At our morning prayer, we were able to appreciate the inspiring personal stories of scholars Cristina and Daniel. Cristina, 22, grew up and still lives in the rural community of San Jacinto where her father is a daily farm worker. As a child, she walked 45 minutes one way to school in the settlement of El Progreso. Cristina expressed tremendous thanks and joy for the program. A university graduate with a degree in computer systems, Cristina is a full-time staff member of CFCA.
Daniel is a talented, outgoing and confident 18-year-old. Last weekend, he graduated from high school and is ready to begin university studies toward a degree in journalism. He helps as a field promoter and assistant in the correspondence department of the central office.
The preachers distributed shoes, book bags, school supplies and new clothes.
La Realidad squatter village
We finished the day with a†gathering in the community, La Realidad. Constructed by squatter families along an abandoned railroad, an inspiring CFCA community is in the making. Our social worker for this area, Jenny, has the love and respect of the community. Jenny grew up and currently lives in a similar poor community. She is now in her fourth year† at a university, majoring in business management.
Casa Hogar
We boarded four vehicles and crossed over to Guatemala to visit the Shrine and Pilgrimage Site of Cristo Negro in Esquipulas and then went to Ocotepeque, Honduras.
Twenty-five children and five aging make up the current clientele at Casa Hogar. Luis Jaco began by giving us a reality picture of life in this area, of the natural fit of this home in the overall CFCA communityóOcotepeque. The kids really made the place shineóespecially their own sleeping areas. In the chapel there is a plaque in memory of scholar Juan Antonio Paz Santos, born Aug. 8, 1991. He was struck by a semi-trailer just days before his graduation as a young professional on Nov. 18, 2008.
Father†O'Toole blessed every room and space in the Casa Hogar with a bucket of holy water, a tree branch and the help of several assistants from the Hogar.†He also blessed Cristina and†me on our wedding anniversary.
Iím confident that as a result of the many family visits weíve been able to make in El Salvador and Honduras, our priests will have lots of stories and material for their preaching.
It is dark and foggy as we head up and over the pass at El Portillo on our way back to Ocotepeque. Fortunately, our way is lighted up by fires in front of homes, for on the eve of Immaculate Conception, the devil himself is symbolically burned.
We now drive back to San Lucas Toliman, Guatemala,†for a few days of staff formation and Christmas activities with the families. We are preparing for a†group of sponsors arriving on Dec. 26. Cristina and I wish you every blessing during this sacred time and throughout the new year.
Godís blessings,
Bob Hentzen


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3DRC is a unique racing game based around 1/28th scale RC Cars. It simulates the experience of this small scale with its fixed position players view, multiple tracks, and a pit to adjust each vehicles settings. Online Multiplayer support is included along with an integrated lounge chat to help players coordinate competitions. Our track editor allows players to create and then race friends with their own custom tracks. The Special Edition enhances this with a multitude of new features such as online Scoring (Internet play only), detailed environments, new menu systems, and improved vehicle physics.
Only registered members can share their thoughts. So come on! Join the community today (totally free - or sign in with your social account on the right) and join in the conversation.
In game shots showing different environments.


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The Moral Environment
There's far too much mercury in fish; emissions of smog precursor chemicals are up; and the rate of increase in atmospheric CO2 concentrations is accelerating. Russia just ratified the Kyoto Protocol, but the Bush administration, long opposed to serious action on climate change, reportedly tried to keep any action steps out of a recent eight-nation report on the rapid warming of the Arctic.
You wouldn't have known it from the U.S. election campaigns, but the world still has environmental problems (the list above is just recent headline-makers). The need for action is more urgent than ever. In the United States, though, the ballooning deficit, rising military spending, and entitlement obligations will make new environmental initiatives difficult, and in any case the president prefers to ignore the environment. Barring a Nixon-goes-to-China epiphany, he will presumably be disinclined to spend any of his "capital" to address tough environmental questions.
Environmentalists continue to face an uphill struggle. We cannot afford to ignore any potential ally, including the religious conservatives that the early post-election conventional wisdom credited for President Bush's victory. Though clearly that's not the whole story, he was re-elected in part by people who voted on the basis of "morals"-usually taken as code for opposition to abortion and same-sex marriage.
But this representation of religious conservatives' views is almost certainly false. Here is some good news: first, religious conservatives, long thought to reject political engagement as too much "of the world," clearly can be mobilized to vote. Second, religious conservatives and even evangelicals are hardly monolithic. Their moral universe includes many issues. In fact, surveys show that concern for the environment actually unites religious groups more than it divides them, and that support for the environment is strong across nearly all religious groups, including those among the religious right. Many religious people regard nature as God's handiwork; not only is it not to be defiled, humans have an obligation to exercise responsible stewardship. And religious conservatives have clout: the Evangelical Environment Network (EEN) helped thwart efforts in Congress to gut the Endangered Species Act in 1996, for instance.
Our challenge, then, is the same with respect to religious conservatives as it is with other audiences: find the particular messages and methods that reach them. As noted, the EEN seems to be on to something here. Other groups, such as the Eco-Justice Ministries, are also successfully working these fields. Here at Worldwatch, we published Director of Research Gary Gardner's paper "Invoking the Spirit" in 2002; Gary is now working on a related book due for release in the summer of 2005. We also hope to explore these matters in future issues of World Watch.
The methods and messages can be developed. We need not despair, just-if you'll forgive the expression-keep the faith.
Thomas Prugh, Editor


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The delicate, rose gold-plated Arabesque style stud earrings are particularly exquisite in rose gold and become elegant companions for any occasion through set white zirconia stones.
THOMAS SABO stands for versatile, innovative and trendsetting jewellery and watch designs of the highest quality.
- Brand
- Thomas Sabo
- Earring style
- Stud
- Material
- Rose Gold Plated & Silver
- Model number
- Width
- 1 cm
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At Ernest Jones we provide the following range of delivery options:
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For more Delivery Information click here.
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*We cannot refund or exchange pierced jewellery, e.g. earrings, if they have been removed from the original sealed packaging due to hygiene reasons.
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How To Draw Cats
by Dover
With the help of this easy-to-follow guide, young feline fanciers will find it's a snap to create portraits of their furry friends. Simple step-by-step diagrams, incorporating a variety of circular, oval and other shapes, guide young artists along the way, demonstrating how to produce likenesses of 30 different subjects. The results are recognizable, accurately rendered pictures of cats and kittens in assorted poses: seated, stretching, preening, balanced on their hind legs, ready to pounce and other positions. In addition to domesticated cats, this delightful, entertaining guide also shows how to create a lion, bobcat, cheetah, tiger and other denizens of the wild. Paperback, 118 black-and-white illustrations, 32 pages.
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Gabriella's Pizza and Restaurant
- 368 Milford-Harrington Hwy.
- Milford, DE 19962
- Phone: (302) 424-4337
- Visit Website
Gabriella's Pizza and Restaurant offers delicious homemade Italian food to residents and visitors to Milford, DE and the surrounding areas. With 30 years combined experience, our owner and his partner have been serving many mouthwatering dishes including a variety of pizzas, calzones, sandwiches, and pasta. We proudly serve authentic Italian dishes, vegetarian dishes and much more. For the pizza and wing lover, look no further than Gabriella's -- we have just what you're looking for.