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UI for Glossary Terms
Over 900 real estate terms alphabetically
401(k) plans
Financial plans that allow employees to set aside tax-deferred income for retirement or emergency purposes.
Abstract of judgment,law
The summary of a court judgment that creates a lien against a property when filed with the county recorder.
Accelerated cost recovery system
A tax calculation that provides greater depreciation in the early years of ownership of real estate or personal property.
Acceleration clause
A provision that gives a lender the right to collect the balance of a loan if a borrower misses a payment.
Accelerated depreciation
A bookkeeping method that depreciates property faster in the early years of ownership.
The seller's written approval of a buyer's offer.
Any means by which a person can enter property.
The degree to which a building or site allows access to people with disabilities.
The gradual addition to the shore or bank of a waterway by deposits of sand or silt.
A written declaration affirming that a person acted voluntarily.
A measurement of land equal to 43,560 square feet.
Acre foot
The volume of material needed to cover an acre of land one foot deep.
Active solar system
A system that utilizes electric pumps or fans to transfer solar energy for storage or direct use.
Actual age
The number of years a structure has been standing.
An addition or change to a contract.
Additional principal payment
Extra money included in the monthly payment to help reduce the principal and shorten the term of the loan.
Add-on interest
The interest a borrower pays on the principal for the duration of the loan.
Adjustable-rate mortgage (ARM)
A loan with an interest rate that is periodically adjusted to reflect changes in a specified financial index.
Adjusted cost basis
The cost of any improvements the seller makes to the property. Deducting the cost from the original sales price provides the profit or loss of a home when it is sold.
Adjustment period
The amount of time between interest rate adjustments in an adjustable-rate mortgage.
A person given authority to manage and distribute the estate of someone who died without leaving a will.
Administrator's deed
A legal document that an administrator of an estate uses to transfer property.
Adverse possession
The acquisition of title to property through possession without the owner's consent for a certain period of time.
Adverse use
The access and use of property without the owner's consent.
Aeolian soil
Soil that is composed of materials deposited by the wind.
A person who makes a sworn statement.
A substitution for an oath granted to people based on religious reasons.
A-frame design
An interior style that features a steeply peaked roofline and a ceiling that is open to the top rafters.
The relationship of trust that exists between sellers and buyers and their agents. The agency is formed through a written contract.
Alternative mortgage
Any home loan that does not conform to a standard fixed-rate mortgage.
Aluminum-clad windows
Wooden windows with aluminum covering the exterior.
Aluminum siding
A metal covering that provides an alternative to paint for owners of wood homes.
Parks, swimming pools, health-club facilities, party rooms, bike paths, community centers and other enticements offered by builders of planned developments.
American Society of Home Inspectors
The American Society of Home Inspectors is a professional association of independent home inspectors. Phone: (800) 743-2744.
Americans with Disabilities Act
A law passed in 1990 that outlaws discrimination against a person with a disability in housing, public accommodations, employment, government services, transportation and telecommunications.
The process of paying the principal and interest on a loan through regularly scheduled installments.
Amortization tables
Mathematical tables that lenders use to calculate a borrower's monthly payment.
The strength of an electrical current.
Anchor bolt
A large steel bolt anchored in concrete and attached to a building to prevent the structure from moving.
Any kind of plant that must be planted every year.
Annual mortgagor statement
A yearly statement to borrowers that details the remaining principal and amounts paid for taxes and interest.
Annual Percentage Rate (APR)
The cost of the loan expressed as a yearly rate on the balance of the loan.
The payment of a fixed sum to an investor at regular intervals.
Anticipatory breach
A communication that informs a party that the obligations of the original contract will not be fulfilled.
A document that details a potential borrower's income, debt and other obligations to determine credit worthiness.
Application fee
The fee that a lender charges to process a loan application.
An opinion of the value of a property at a given point in time.
Appraisal fee
The fee that an appraiser charges to estimate the market value of the property.
Appraisal report
A detailed written report on the value of a property based on recent sales of comparable sites in the area.
Appraised value
An opinion of the current market value of a property.
An increase in the value of a home or other property..
Assumption clause
A provision that allows a buyer to take responsibility for the mortgage from a seller.
Assumption fee
A fee the lender charges to process new records for a buyer who assumes an existing loan.
Average price
The price of a home determined by totaling the sales prices of all houses sold in an area and dividing that number by the number of homes.
Avigation easement
An easement over private property near an airport that limits the height of structures and trees.
Awning windows
Single-sash windows that tilt outward and up.
Back fill
Soil used to solidify the foundation of a structure.
Back title letter
A letter that a title insurance company gives to an attorney who then examines the title for insurance purposes.
Back-to-back escrow
Arrangements that an owner makes to oversee the sale of one property and the purchase of another at the same time.
Backup offer
A secondary bid for a property that the seller will accept if the first offer fails.
Backwater valve
A valve in a sewer line that prevents sewage from flowing back into a house.
Balance sheet
A statement that shows the assets, liabilities and net worth of an individual.
Balloon-frame construction
A type of framing used in two-story homes in which studs extend from the ground to the ceiling of the second floor.
Balloon loan
A mortgage in which monthly installments are not large enough to repay the loan by the end of the term. As a result, the final payment due is the lump sum of the remaining principal.
Balloon payment
The final lump sum payment due at the end of a balloon mortgage.
Railing held up by a set of posts on a porch or stairway.
A proceeding in which an insolvent debtor can obtain relief from payment of certain obligations. Bankruptcies remain on a credit record for seven years and can severely limit a person's ability to borrow.
Bargain sale
The sale of a piece of property for less than market value.
Any board or molding found at the bottom of an interior wall.
Baseboard electric heat
Heating units installed in the floor that can be controlled by a central thermostat.
The area of a home below ground level.
Basis Point
A basis point is one one-hundredth of one percentage point. For example, the difference between a loan at 8.25 percent and a mortgage at 8.37 percent is 12 basis points.
The opening between two columns or walls that forms a space.
Bay window
A window that projects outward in a curve.
Bearing wall
A wall that supports its own weight in addition to other parts of a structure.
The lender who makes a loan, also called a mortgagee. The person borrowing money is the mortgagor.
Before-tax income
Total income before taxes are deducted.
Personal property given to a person through a will.
An improvement that increases a property's value as opposed to repairs that maintain the value.
Bidding war
Offers from multiple buyers for a piece of property. Agents also sometimes compete to list a house for sale.
Bilateral contract
A contract in which the parties involved give mutual promises. Also called "reciprocal" contracts.
Bill of sale
A document that transfers ownership of personal property.
A roofed passageway with open sides.
Buyer's remorse
An emotion felt by first-time homebuyers after signing a sales contract or closing the purchase of a house.
The rules and regulations that a homeowners association or corporation adopts to govern activities.
Call option
A clause in a loan agreement that allows a lender to ask for the balance at any time.
Can lights
Cylindrical chambers with bulbs recessed into the ceiling.
Cancellation clause
A clause that details the conditions under which each party may terminate the agreement.
A projecting structure supported on one end, such as a balcony.
A limit on the amount the interest rate or monthly payment can increase in an adjustable-rate mortgage.
Cape Cod style
A wood-frame or shingled house with a steep roof and several windows projecting from the second floor.
Money used to create income, such as funds invested in rental property.
Capital expenditure
The cost of making improvements on a property.
Capital gains
Profits an investor makes from the sale of real estate or investments.
Capital gains tax
A tax placed on the profits from the sale of real estate or investments.
Capital improvement
Any improvement that extends the life or increases the value of a piece of property.
A mathematical formula that investors use to compute the value of a property based on net income.
Capitalization rate
The percentage rate of return estimated from the net income of a piece of property.
A group of real estate agents who tour a house that has been recently listed for sale.
A roof that covers a driveway or other parking area.
Casement window
A window hinged on its sides to allow it to swing open vertically.
Cash flow
The amount of cash a rental property investor receives after deducting operating expenses and loan payments from gross income.
Cashier's check
A check the bank draws on itself rather than on a depositor's account.
Cash-out refinance
The refinancing of a mortgage in which the money received from the new loan is greater than the amount due on the old loan. The borrower can use the extra funds in any manner.
Cathedral ceiling
A high open ceiling formed by finishing exposed roof rafters.
An acrylic or silicon sealant used to fill cracks, crevices and holes in a home.
A courtyard or atrium.
A formal notice, that asks a court to suspend action until the party which filed the challenge can be heard.
Caveat emptor
A legal principle derived from Latin than means "let the buyer beware."
Ceiling height
The standard height of a ceiling is eight feet.
Central air conditioning
A device that generates cold air through an outside unit that is connected to ductwork inside the house.
Central business district
The area of a city where most large businesses are located.
Properties used as comparisons to determine the value of a certain property.
Comparative market analysis
An estimate of the value of a property based on an analysis of sales of properties with similar characteristics.
A term for a buyer who is legally fit to enter into a sales contract.
Compound interest
The interest paid on the principal balance in a mortgage and on the accrued and unpaid interest of the loan.
Concrete tilt-up
The process of pouring concrete into forms on the ground, allowing the forms to harden and then raising the material to a vertical position to form walls.
The process the government uses to take private property for public use without the consent of the owner.
Custom home
A structure designed by an architect hired by the owner.
A movable plate in a fireplace that allows smoke and fumes to travel up the chimney's flue.
Days on the market
The period of time a property is listed for sale until it is sold or taken off the market
Deadbolt lock
Locks that require a key to open from the outside and a turn button from the inside.
Any amount one person owes to another.
A roofless, floored area that adjoins a house.
The legal document that transfers ownership of a piece of property.
Deed of trust
A document that gives a lender the right to foreclose on a piece of property if the borrower defaults on the loan.
Deep-seal floor drain
A drain used to dispose of water from the basement floor to a sewer line.
The failure to fulfill a duty or promise or discharge an obligation, such as making monthly mortgage payments.
Deferred maintenance
Any repair or maintenance of a piece of property that has been postponed, resulting in a decline in property value.
Delinquent mortgage
A mortgage that involves a borrower who is behind on payments. If the borrower cannot bring the payments up to date within a specified number of days, the lender may begin foreclosure proceedings.
Density test
An analysis of soil to determine if the surface can support the foundation of a house.
Any kind of pipe or channel that carries water, wiring or conditioned air through a house.
Due-on-sale clause
Standard language in a mortgage which states that the loan must be paid when a house is sold.
A structure that consists of two separate family units.
Dutch colonial style
A design that features barn-like gambrel roof, a ground-level front porch, and dormers.
Early occupancy
The condition in which buyers can occupy the property before the sale is completed.
Earnest money
Money a buyer gives with an offer to purchase a property. Also called a deposit.
Earthquake insurance
A policy that provides coverage against damage to a home from an earthquake.
A right given to a third party to use a portion of the property for certain purposes, such as power lines or water mains.
The projecting overhang at the lower edge of a roof.
Effective age
The age of a structure estimated by its condition rather than its actual age.
Effective gross income
Additional income that a lender considers when assessing the loan application of a potential borrower.
Electric service panel
A panel that transfers power from the utility line into a house to be distributed through fuses or circuit breakers.
The exterior view of a home design that shows the position of the house relative to the grade of the land.
An extension or wing of a house that is at right angles to the main structure.
Eminent domain
The government's right to condemn private land for public use, such as the routing of a public highway.
Employer-assisted housing
Programs which help employees purchase homes through special plans developed with lenders.
Empty nesters
Potential buyers who have raised their families and want to move into a smaller home.
Fences or other structures that extend into the property of another owner.
A claim or lien on a property which complicates the title process.
End loan
The conversion from a construction loan to permanent financing a condominium buyer secures after all units in a project have been completed.
A person who signs over ownership of property to another party.
Exclusive listing
A contract that gives an agent the exclusive right to market a property for a specific period of time.
A person appointed to carry out the instructions in a will. If there is no will, a probate court will appoint an executor.
Exhaust fan
Ventilating devices that remove water vapor, undesired smells or smoke.
Experian, formerly known as TRW Information Systems & Services, is one of the "Big Three" credit-reporting bureaus.. Address: 505 City Parkway West, Orange, CA 92868.
The part of a building facing the street or a courtyard.
Fair Credit Billing Act
A federal law that governs credit and charge card billing errors. If a credit or charge card company violates any provision, consumers can sue to recover damages.
Fair Credit Reporting Act.
A federal law passed in 1971 that regulates the activity of credit bureaus. It is designed to prevent inaccurate or obsolete information from staying in a consumer's credit file and requires credit bureaus to have reasonable procedures for gathering, maintaining and disseminating credit information. The act also requires credit bureaus to show a consumer their credit file if the consumer presents proper identification, although the bureau reserves the right to charge a fee for doing so.
Fair Debt Collection Practices Act.
A federal law passed in 1977 which outlaws debtor harassment and other types of collection practices. The act regulates collection agencies, original creditors who set up a separate office to collect debts, and lawyers hired by the creditor to help collect overdue bills. An original creditor--the company or individual that originally granted the credit--is not covered by the act, but may be covered by similar measures approved by state governments.
Fair Housing Act
Landmark federal law passed in 1965 and amended in 1988 that makes it illegal to deny rent or refuse to sell to anyone based on race, color, religion, sex or national origin. The 1988 amendment expanded the protections to include family status and disability.
Fannie Mae
The official name of the Federal National Mortgage Association, it is a congressionally chartered, shareholder-owned company that buys mortgages from lenders and resells them as securities on the secondary mortgage market.
Farmer's Home Administration
A U.S. Department of Agriculture agency that provides credit to farmers and rural residents.
A board that connects the ends of the roof rafters and provides a surface to support gutters.
Federal Home Loan Mortgage Corporation,law
The Federal Home Loan Mortgage Corporation, commonly known as Freddie Mac. The company buys mortgages from lending institutions, pools them with other loans and then sells shares to investors.
Federal Housing Administration (FHA)
This government agency operates a variety of home-loan programs. Its most popular is the Sec. 203(b), program, which provides low-rate mortgages to buyers who make a down payment as small as 3 percent.
Federal National Mortgage Association
Now officially dubbed Fannie Mae, this federally chartered agency buys mortgages from lending institutions, pools them with other loans and sells shares to investors.
Federal Reserve Board
A group of economists and other experts who set the nation's monetary policy. Its chief tool to control inflation is the power to control interest rates.
Federal Trade Commission
The government agency responsible for regulating a variety of companies and industries, from credit bureaus and collection agencies to timeshare operators and certain types of creditors. National headquarters: Sixth and Pennsylvania Avenue NW, Washington, D.C. 20580. Phone: (202) 326-2222.
Fee simple
This type of ownership is the maximum interest a person can have in a piece of real estate. It entitles the owner to use the property in any manner they see fit, in accordance with state and local laws.
Fee simple defeasible
The owner of the property holds a fee simple title contingent upon certain conditions.
Federal style
The all-American home architecture style that evolved after the Revolutionary War. Details include bigger windows and a front doorway surrounded by glass and topped with an arched window.
FHA loans
Mortgages that are insured by the Federal Housing Administration. The FHA's 203(b) loan program provides low-rate mortgages to buyers who make a down payment as small as 3 percent. The agency also operates loan plans for investors and purchasers of rural property.
Feng shui
An ancient Chinese belief that the physical characteristics of a house and the positioning of the home will affect the fortunes of the owner.
Fiduciary duty
The relationship of trust that buyers and sellers expect from a real estate agent. The term also applies to legal and business relationships.
Field changes
Modifications made on the construction site that do not match blueprints.
Fill dirt
Soil brought in to solidify a finished foundation.
Filled land
An area where the ground has been raised by adding dirt, gravel or other fill material.
Finder's fee
A fee in any amount that is paid to someone.
Finish grade
A finish that prepares a lot for landscaping.
Fire wall
A buffer composed of fire-resistant material.
Firm commitment
A promise made by a lender when it agrees to loan money for the purchase of property.
First mortgage
The primary mortgage on a property that has priority over all other voluntary liens.
Fixed installment
The monthly payment on a home loan.
Fixed-rate mortgage
A home loan with an interest rate that will remain at a specific rate for the term of the loan. About 75 percent of all home mortgages have fixed rates.
French doors
Two adjoining doors inlaid with glass that open from the middle.
The portion of property that borders a roadway or body of water.
Fully amortized adjustable-rate mortgage
A mortgage that amortizes, or pays down, the balance of a loan.
An enclosed heating device powered by coal, oil, propane or natural gas.
A device that allows power to be channeled into a home.
A triangular wall enclosed by the sloping ends of a ridged roof or a triangular decorative feature.
Gable roof
A ridged roof that forms a triangle at each end.
Gag rules
A provision in contracts signed by new buyers that prohibits the owners from publicizing complaints about the builder.
Gambrel roof
A roof with two slopes, often seen on barns.
General contractor
The person who hires all of the subcontractors and suppliers for a project.
General plan
A government's long-range land-use plan.
Georgian style
Popular throughout the 18th century, this type of architecture is distinguished by a symmetrical facade, prominent front entrance and quoins-decorative blocks of masonry or wood set in the corners of the house.
Geodesic dome
A structure constructed of lightweight bars forming a grid of polygons.
A cash gift a buyer receives from a relative or other source. Lenders usually require a "gift letter" stating that the money will not have to be repaid.
Gingerbread decoration
An intricate, almost lacy, wood trim.
Crossbeams that support floor joists.
Good-faith estimate
An estimate from an institutional lender that shows the costs a borrower will incur, including loan-processing charges and inspection fees.
Government National Mortgage Association
Commonly known as Ginnie Mae, this agency buys home loans from lenders, pools them with other loans and sells shares to investors. Ginnie Mae differs from its cousins, Fannie Mae and Freddie Mac, in that it only purchases loans backed by the federal government.
Grace period
A specified amount of time to make a loan payment after its due date without penalty.
The elevation of land above level ground.
Graduated-payment mortgage (GPM)
A mortgage that requires a borrower to make larger monthly payments over the term of the loan. The payment is unusually low for the first few years but gradually rises until year three or five, then remains fixed.
Grade level
The flat or sloping surface upon which a house is built.
Granny flat
Slang term for a separate unit in a house or above the garage, which in the past may have been occupied by an elderly relative.
A person conveyed an interest in a piece of property.
The person who conveys an interest in a piece of property to another person.
Greek Revival style
A style introduced in the U.S. at the end of the 18th century. Its most prominent feature is a pillar-anchored pediment forming a portico in the front of the house.
Any stretch of park, open space or other natural setting in a community.
Gross income
The total income of a household before taxes or expenses are subtracted.
Ground fault circuit interrupter
Devices that detect leakage of electrical current to the ground and prevent accidental shock.
Ground rent
The amount of money paid for the use of a piece of property when it is a leasehold estate.
Group home
A single-family residence used as a living space for unrelated, developmentally disabled or mentally disabled people.
Growing-equity mortgage
A fixed rate mortgage that increases payments over a specific period of time. The extra funds are applied to the principal.
Guarantee mortgage
A loan guaranteed by a third party, such as a government institution.
Horizontal channels installed at the edge of a roof to carry rainwater or melted snow away from the house.
Also called a powder room, a half-bath contains a toilet and a sink but no bathtub or shower stall.
Hazard insurance
This provision of homeowners insurance covers damage by fire, wind or other disaster. It is required by all lenders before a loan is approved.
Crossbeams above windows and doors.
Heat pump
An electric cooling and heating system.
The equivalent of 2.471 acres.
High density
The concentration of housing units in a specific area or on a specific property.
Any building higher than six stories.
Hip roof
A pitched roof with sloping sides.
Historic preservation
The physical rehabilitation of a historic home or building, and the movement of the same name begun in the 1960s in the U.S. to preserve and protect landmarks and urban neighborhoods.
Historic structure
A home or building listed in the National Register of Historic Places and certified as historic by the U.S. Secretary of the Interior.
Home equity conversion mortgage
Loans made to older owners who want to convert equity into money. Because borrowers are qualified on the basis of the value of their home, e, the loan is not the same as a home equity loan. Also known as reverse mortgages.
Home equity loan
A loan that allows owners to borrow against the equity in their homes.
Home inspection
An examination of a home's construction, condition and internal systems by an inspector or contractor prior to purchase.
Homeowners' association
A group that governs a modern subdivision or planned community. An association collects monthly fees from all owners to pay for maintenance of common areas, handle legal and safety issues, and enforce the covenants, conditions and restrictions set by the developer.
Homeowners' insurance
This insurance includes hazard coverage for any damages that may affect the value of a house, in addition to personal liability and theft coverage.
Homeowners' warranty
Special insurance policies that cover certain home repairs for a specified amount of time.
Home rule
The power of a local government to adopt its own land-use regulations.
A document that to protects some of a home's equity from lawsuits.
Home warranty
A type of insurance that covers repairs to certain parts of a house and some fixtures.
Hopper window
A window that contains a single sash that tilts inward.
Hose bibb
A threaded faucet connection for devices such as a washing machine.
Housing discrimination
The illegal practice of denying an individual or group the right to buy or rent a home based on race, color, religion, national origin, sex, disability or family status.
Housing expense ratio
The percentage of gross monthly income devoted to housing costs.
House wrap
A polyethylene barrier wrapped around a house to save energy.
HUD-1 Uniform Settlement Statement
A closing statement or settlement sheet that outlines all closing costs on a real estate transaction or refinancing.
Impact fees
Fees collected from developers of new homes to pay for schools, parks and other facilities.
Implied warranty of habitability
Court cases which determined that all new homes are assumed to be fit for human habitation and meet all building codes.
A portion of the monthly mortgage payment that is placed in an account and used to pay for hazard insurance, property taxes and private mortgage insurance.
Income property
Property that is not occupied by the owner but is used to generate income.
Incurable defect
A defect in a property that cannot be fixed, such as an adjacent hazardous waste site, or that would cost too much to repair relative to the value of the property.
Financial tables used by lenders to calculate interest rates on adjustable mortgages and on Treasury bills.
Individual Retirement Account
Tax-deferred savings accounts that allow people to accrue retirement funds.
In-file credit report
Computer-generated reports drawn from credit repositories that are generally regarded as objective histories.
Infill development
Any significant new construction in an established area.
Infill housing
Home construction in established areas.
This event occurs when there is more money available than there are goods and services to be purchased. Mortgage rates, which are determined by the marketplace and the actions of the Federal Reserve Board and Wall Street, are sensitive to inflation fears.
The roads, schools, parks, utilities, bridges and communications systems in a community.
Initial interest rate
The original interest rate on an adjustable mortgage.
Inspection report
An examination of a home's exterior, foundation, framing, plumbing, electrical system, heating, air conditioning, fireplace, kitchen, bathroom, roofing and interior.
Installment contract
A purchase agreement in which the buyer does not receive title to the property until all installments are paid.
Materials including cellulose, glass fiber, rock wool, polystyrene, urethane foam and vermiculite that slow heat loss.
Insurable title
Title to property that a company agrees to insure against defects and disputes.
Owners and buyers can purchase various types of insurance: hazard, private mortgage and earthquake. The policies guarantee compensation for specific losses.
Insurance binder
A temporary insurance arrangement usually put in force until a permanent policy can be obtained.
The fee borrowers pay to obtain a loan. It is calculated based on a percentage of the total loan.
Interest accrual rate
The rate at which interest accrues on a mortgage.
Interest-only loan
The pays only the interest that accrues on the loan balance each month. Because each payment goes toward interest, the outstanding balance of the loan does not decline with each payment.
Interest rate
The sum, expressed as a percentage, charged for a loan. Interest payments on most home loans are tax- deductible.
Interest rate buy-down plans
For cash-short buyers, some sellers are willing to advance funds from the sale of the home to buy down the interest rate and reduce the buyer's monthly obligation.
Interest rate caps
A limit on the amount that can be charged to the monthly payment of an adjustable-rate mortgage during an adjustment period.
Interest rate ceiling
The highest interest a lender can charge for an adjustable-rate mortgage.
Investment property
Real estate that generates income, such as an apartment building or a rental house.
Jalousie window
A window that consists of vertical rows of horizontal glass slats that operate together by a crank mechanism that connects all the slats.
Joint liability
The responsibility of two or more people to fulfill the terms of a home loan or debt.
Joint tenancy
Ownership by two or more people that gives equal shares of a piece of property. Rights pass to the surviving owner or owners.
A floor or ceiling support member supported by foundation walls, piers or beams. Subflooring is connected to floor joists.
The decision of a court or law. If a court decides that a person must repay a debt, a lien may be placed against that person's property.
Judicial foreclosure
A procedure to handle foreclosure proceedings as civil matters.
Jumbo mortgage
Loans that exceed limits set by Fannie Mae and Freddie Mac. The current limit is $300,700.
Junior mortgage
A loan that subordinate to the primary loan.
Kit home
A structure that contains prefabricated components and is put together by a contractor.
Knee wall
A wall-like structure that supports roof rafters.
Knob-and-tube wiring
An old-fashioned wiring system that has been replaced by fuses and circuit breakers.
A home's surroundings can range from a shrub-studded emerald lawn to a native-plant xeriscape. It is a major component of curb appeal.
Landscape architect
A professional who holds a degree in landscape architecture, which involves training in horticulture, landscape design and planning.
Landscape designer
A landscape designer has training in horticulture and landscape planning, but does not necessarily hold a degree.
Landscape contractor
A professional who carries out the plans of a landscape architect or a landscape designer.
Late charge
A fee a lender imposes on a borrower when the borrower does not make a payment on time.
Late payment
A payment a lender receives after the due date has passed.
Latent defect
An invisible problem in a piece of property such as bad wiring, termite damage or lead paint.
A metallic chemical element present in older dwellings, primarily in the form of lead-based paint and lead plumbing. Exposure to lead has been found to be a health risk.
A binding agreement that contains the terms and conditions of a renter's occupancy.
Leasehold estate
An arrangement in which the borrower does not own a specific piece of property but possesses a long-term lease.
Lease option
A lease that contains the right to purchase the property for a specific price within a certain time frame.
A bank, savings institution or mortgage company that offers home loans.
Legal blemish
Blemishes on a piece of property, such as a zoning violation or fraudulent title claim.
Legal description
A specific way of identifying and locating a piece of real estate that is acceptable to a court.
Letter of intent
A formal statement that the buyer intends to purchase the property for a certain price on a certain date.
The use of a small amount of cash--a 5 percent or 10 percent down payment--to buy a piece of property.
A borrower's debts and financial obligations.
Liability insurance
A policy that protects owners against any claims of negligence, personal injury or property damage.
A claim laid by one person or company on the property of another as security for money owed.
Life cap
A limit on the amount that a loan rate can move during the term of the mortgage. For example, the rate on an adjustable-rate mortgage that begins at 5 percent and has a lifetime cap of 6 percentage points cannot rise above 11 percent, even if rates on fixed-rate mortgages soar to 20 percent.
Life-cycle cost analysis
An analysis of a building project's expected operating, maintenance and replacement costs, calculated by an architect.
Limited partnership
Real estate syndicates and other investment groups use this type of ownership.. A general partner makes the group's investment decisions, oversees the investment and is principally liable for any losses.
A horizontal piece over a door or window that carries the weight of the structure above it.
Liquid assets
Cash and all other assets that can be converted to cash relatively quickly. Liquid assets can include money in savings and checking accounts, money-market accounts, and most certificates of deposit.
Log cabin
Homes constructed of rough-hewn timbers and a standard housing form in the early European settlement of the U.S.
Low-ball offer
An offer made to a seller that is substantially below market value. The longer a property stays on the market, the more likely there are to be such offers.
Low density
A low concentration of housing units in a specific area.
Low-documentation loan
A mortgage that requires only minimal verification of income and assets.
Low-down-payment loan
A home loan that requires the borrower to make only a small down payment before obtaining the financing needed to purchase a house.
Main water shut-off valve
The primary valve that halts the flow of water from the water meter into a home.
Mansard roof
A roof with four sides that slope upward from the roof edge to the square peak.
Manufactured housing
Prefabricated homes that can range from simple trailers to larger dwellings.
The facing of stone, marble or other material around a fireplace.
Maintenance fee
The monthly assessment members of a homeowners' association pay for the repair and maintenance of common areas.
Managed-competition lots
Lots in which buyers choose between one of several builders.
The lender's "retail markup" on the mortgage. For example, if the index rate for an adjustable-rate mortgage is 5 percent but the lender has a 2.5 percentage-point margin, the rate the borrower will pay is 7.5 percent.
Market conditions
Factors affecting the sale and purchase of homes at a particular point in time.
Market value
The price that a piece of property sells for at a particular point in time.
The brick or stone work on a building.
Master-planned community
A suburban plan that includes homes and commercial, work, educational and community facilities.
Maximum financing
A loan amount within 5 percent of the highest loan-to-value ratio allowed for a property.
Mechanical systems
A home's plumbing, wiring, heating and cooling systems.
Mechanic's lien
Subcontractors or suppliers sometimes will file an encumbrance, or mechanic's lien, against a property to seek payment.
A dispute-resolution process in which a neutral party works to resolve contract differences.
Move-up buyer
A buyer who has purchased a home before and is looking for a bigger or more expensive home.
A vertical dividing bar between window lights or panels.
Multidwelling property
A property that contains individual units for several households but carries only one mortgage.
Multifamily mortgage
A mortgage on a multifamily dwelling with more than four families, typically an apartment building.
Multiple listing service (MLS)
The service combines the listings for all available homes in an area, except For-Sale-By-Owner (FSBO) properties, in one directory or database.
Multiple offers
Multiple purchase offers occur in hot markets or hot neighborhoods.
Municipal housing inspector
Inspectors employed by cities or counties to check all construction sites and verify that contractors are meeting building codes.
Nail pops
Nails in load-bearing parts of new homes that pop out slightly because of settling of the structure.
Needs-based pricing
A seller's asking price that is based on factors such as the required funds to pay off the mortgage, the cost of remodeling or the purchase of another house.
Negative amortization
The situation occurs when a borrower's monthly payment is not large enough to cover both the principal and interest of a loan. As a result, the outstanding balance of the loan actually grows larger with each payment rather than smaller. Most fixed-rate loans are not subject to negative amortization, but many adjustable-rate mortgages are susceptible.
Negative-slope driveway
A driveway that drops from street level to the garage.
Neo-traditional planning
Planning of a community that favors the return of new-home development with such traditional features as grid-street patterns, prominent front porches, backyard garages, multi-use buildings and housing clustered near commercial service areas.
Net cash flow
Investment property that generates income after expenses such as principal, interest, taxes and insurance are subtracted.
Net worth
The worth of a person or company based on the difference between total assets and liabilities.
New Urbanism
A community design philosophy that favors the return of new-home development with such traditional features as prominent front porches, backyard garages, multi-use buildings and housing clustered near commercial service areas.
A small recessed area in a wall, traditionally arched at the top.
NIMBY (Not In My Back Yard)
The response sometimes given by neighborhoods and communities to proposed changes or development.
No cash-out refinance
The amount of the new mortgage covers the remaining balance of the first loan, closing costs, any liens and cash no more than 1 percent of the principal on the new loan.
No-competition lots
A lot in which the buyer's home will be constructed by a particular builder.
No-documentation loan
A loan application that does not require verification of income but typically is granted in cases of large down payments.
Non-assumption clause
A loan provision that prohibits the transfer of a mortgage to another borrower without lender approval.
Non-liquid asset
An asset such as a house that is not easily turned into cash.
Non-recurring closing costs
Costs that are one-time only fees for such items as an appraisal, loan points, credit report, title insurance and a home inspection.
The legal document that requires a borrower to repay a mortgage at a certain interest rate over a specified period of time.
Note rate
The interest rate specified in a mortgage note.
Notice of default
A lender's initial action when a mortgage payment is late and attempts to reconcile the issue out of court have failed.
Online real estate listings
Properties listed for sale on the Internet.
Open house
A marketing tool in which a listing agent opens a house for view.
Open listing
A property given to a number of brokers to market at the same time.
Open space
Undeveloped land or common areas in a planned community reserved for parks, walking paths or other natural uses.
A situation in which a buyer puts down money for the right to purchase a piece of real estate within a set time period but does not have an obligation to buy.
Oral agreement
Contractual arrangements that are not in writing and are usually not legally binding.
Original principal balance
The amount of principal owed on a loan before a borrower makes any payments.
Origination fee
A fee charged by most lenders--also called points--for processing a loan. A point is 1 percent of the total loan amount.
A protruding structural feature.
Owner financing
A transaction in which the seller of a property agrees to finance all or part of the purchase.
An officially described piece of land.
An interior wall.
There are several partnership options for unmarried individuals to buy a piece of property, such as live-in partnerships (in which both buyers share the residence) or a shared-equity partnership (in which one buyer lives in the home and the other is an investor in the property).
Passive loss
A tax term that refers to any loss from a passive activity, such as the ownership but not the operation of a piece of rental real estate.
Passive solar system
A system that supplies solar heat without the use of electric fans or pumps.
Patent defect
A visible deficiency in a piece of property, such as a cracked basement slab or a sagging porch.
Payment cap
A legal limit on the amount a monthly payment can increase on an adjustable-rate mortgage.
Percolation test
A test used to determine the ability of soil to accommodate a septic system.
Per-diem interest
Interest charged or accrued daily.
A section or division of a wall, ceiling or a flat piece of building material that forms the part of the surface of a wall, door or cabinet.
Strips of wood or wood material applied as a finish to a wall.
Parking strip
The strip of grass between the sidewalk and the street in front of a house.
Any kind of structure dividing one room or space from another.
An interior courtyard or a paved backyard area.
Any plant that produces leaves, flowers and seeds from year to year, such as irises or peonies.
An arbor with an open roof of rafters supported by posts or columns.
Personal property
Any moveable property in a house such as furniture or appliances.
Pest-control inspection
A common pest-control inspection is a termite inspection, which is required in some states, such as California.
A rectangular masonry support column.
PITI (Principal, Interest, Taxes, Insurance)
When a buyer applies for a loan, the lender will calculate the principal, interest, taxes and insurance. The figure is designed to represent the borrower's actual monthly mortgage-related expenses.
Planned communities
The concept began in the 19th century and describes any town or neighborhood built with certain guidelines and goals.
Planned-unit development
Residents own the home and the land, and share the use and financial responsibility for common areas.
A labor-intensive and more costly wall finish.
Pocket door
A sliding door that retreats into the wall when opened.
Fees charged by lenders at the time a loan is originated. A point is equal to 1 percent of the total loan amount.
Purchase-money mortgage
A mortgage that a borrower obtains to acquire a property.
Qualifying ratios
Lenders compute qualifying ratios to determine how much a potential buyer can borrow.
Queen Anne style
A Victorian-era style that originated in San Francisco.
Quit-claim deed
A document that releases a party from any interest in a piece of real estate.
A construction term that refers to the resistance of to heat loss. The higher the R-value, the slower the rate of heat loss.
A ground-generated radioactive gas that seeps into some homes through sump pumps, cracks in the foundation and other inlets. A leading cause of lung cancer , radon is found in mostly the northern half of the country.
Rafters form the slope of a pitched roof and are analogous to floor joists.
Rammed-earth construction
An alternative building process in which dirt is compacted into large structural frames to create walls.
Ranch style
Modern ranch-style homes, popularized in the 1950s, were championed by such architectural giants as Frank Lloyd Wright.
Rate-improvement mortgage
A loan with a clause that entitles a borrower to a one-time cut in the interest rate without going through refinancing.
Rate lock
When interest rates are volatile, many borrowers want to "lock in" an interest rate and many lenders will oblige, setting a limit on the amount of time the guaranteed interest rate is in effect.
Real estate
Land and anything permanently affixed to it, including buildings, fences and other items attached to the structure.
Real estate agent
A real estate agent has a state license to represent a buyer or a seller in a real estate transaction in exchange for a commission. Most agents work for real estate brokers.
Real estate attorney
A lawyers who specializes in real estate transactions.
Real estate broker
A real estate agent who is licensed by the state to represent a buyer or seller in a real estate transaction in exchange for a commission. Most brokers also have agents working for them, and are entitled to a portion of their commissions.
Real estate investment trusts (REITs)
The trusts are publicly traded companies that own, develop and operate commercial properties.
Real Estate Settlement Procedures Act (RESPA)
A federal law designed to make sellers and buyers aware of settlement fees and other transaction-related costs. RESPA also outlaws kickbacks in the real estate business.
Real property
Land and any permanent fixtures on it, including buildings, trees and minerals.
A designation for an agent or broker who is a member of the National Association of Real Estate Brokers.
A designation for an agent or broker who is a member of the National Association of Realtors.
The cancellation of a contract by law or consent by the parties involved.
When a borrower completely pays off the mortgage, the property is reconveyed to them from the lender.
A public official responsible for keeping the records of all real estate transactions.
The filing of a specific document to the appropriate government entity.
Ridge vent
A vent located along the ridge board of the roof that allows moisture to escape.
Right of first refusal
An agreement by a property owner to give another person the right to buy or rent the property before it goes on the open market.
Right to recission
A provision in the federal Truth-in-Lending Act that allows borrowers to cancel certain kinds of loans within three days of signing.
The installation of plumbing, electrical and other mechanical systems.
Rural Housing Service
A U.S. Department of Agriculture program that provides financing to farmers and certain borrowers to purchase rural property when other funds are not available.
A transaction in which the buyer leases back the property to the seller for a specified period of time.
Sales contract
A contract signed by the buyer and sellerthat details the terms of a home purchase.
Saltbox style
A design that dates to colonial times and takes its name from the shape of saltboxes.
Sanitary sewer
The drain line in a house that carries away food and human wastewater to a municipal sewer system or a septic system.
One of two windows in a double-hung window.
Schematic designs
Renderings of floor plans and the exterior of a house.
Second mortgage
Another loan placed upon a piece of property.
Secondary mortgage market
A market of packaged home loans that are resold as securities to investors. Major players are Fannie Mae and Freddie Mac.
Secured loan
Any loan backed by collateral.
Apiece of property designated as collateral.
Seller broker
A seller broker represents the interest of the seller.
Seller carry-back
An agreement in which the seller provides financing for a home purchase.
Seller take-back
An agreement in which the seller provides financing for a home purchase.
Seller's market
A hot real estate market in which sellers have the advantage and multiple offers are common.
Semi-custom home
The buyer of a semi-custom home is free to make some design changes but not to the home's structural plan.
Septic system
A self-contained sewage treatment system that distributes wastewater to an underground storage area and relies on bacterial action to decompose solid waste matter.
A firm that collects mortgage payments and manages borrowers' escrow accounts.
The minimum distance a house or buildings must be from the lot line.
Settlement statement
A document that details who has paid what to whom.
Shared-appreciation mortgage
A loan that allows a lender or other party to share in the borrower's profits when the home is sold.
Shared-equity transaction
A transaction in which two buyers purchase a property, one as a resident co-owner and the other as an investor co-owner.
Shed ceiling
A shed ceiling pitches upward at one end.
Shed roof
A shed roof pitches up longer on one side than the other.
Shingle style
An alternative style of Victorian homes that evolved in the late 19th century to simplify the complexity of the traditional Victorian house.
Thin, wedge-shaped pieces of wood or flat rectangular pieces of slate, mineral fiber, glass fiber or composition asphalt installed on a roof to prevent water seepage.
Shoe molding
An unobtrusive finish trim between the floor and the baseboard designed to hide any irregularities in the seam between the floor and wall or baseboard.
Subordinate loan
A second or third mortgage.
Sump pump
A pump that moves water from a basement sump pit.
A precise measurement of a piece of property by a licensed surveyor.
Sweat equity
The non-cash value put into a piece of property by the owner, such as do-it-yourself home improvements.
Tap fees
Most companies charge a tap fee for hooking up utilities.
Tax deduction
A tax break given by the government. Mortgage interest, loan points and property taxes can be deducted.
Tax lien
An impediment placed against a property, such as back taxes.
Tax sale
The public sale of a property by the government for nonpayment of taxes.
Tax shelter
A term often applied to real estate investment and refers to various tax advantages.
Tear-down condition
A house that requires the entire interior to be rebuilt.
Teaser rate
An low, short-term rate offered on a mortgage to entice the borrower.
Tenancy by the entirety
When a married couple owns a home, it is usually considered tenancy by the entirety If the property must be sold to pay the debts of one spouse, both must agree.
Tenants in common
Two or more owners who share interest in a specific property.
A terrace can be several things: an unroofed paved area right next to a house; a roofed balcony; a veranda; or a raised bed of earth constructed to enhance a landscape.
The 72-hour clause
When a buyer has a house to sell before they can purchase another home, most sellers insist on a 72-hour clause. In the event of a better offer coming in before the contingency is settled, this clause entitles the seller to give the buyer 72 hours to remove the contingency or lose the house.
Third-party origination
In a third-party origination transaction, the lender has another institution originate all or part of a mortgage.
Ownership that involves the acquisition of a specific period of time, or that percentage of interest, in a vacation home or resort.
Truth-in-Lending Act
A federal law that protects consumers in a variety of ways. One of its key provisions allows a consumer to cancel a home-improvement loan, second mortgage or other loan if the home was pledged as security (except for a first mortgage or first trust deed) until midnight of the third business day after the contract was signed.
The process of removing old mortar from between bricks and replacing it with new mortar.
Two-step mortgage
An adjustable mortgage with two interest rates, one for the first five or seven years of the loan, and the other for the remainder of the loan term.
Two- to four-family property
A piece of property that is owned by one person but provides housing for up to four households.
A layer of wood between the subfloor and the floor.
The process that lenders go through to evaluate the risks posed by a particular borrower and to set appropriate conditions for the loan.
Undisclosed heir
A person who claims the right to a piece of property after the death of an owner without a will.
Undisclosed spouse
An unidentified marital partner who can claim the right to a piece of property.
Unrecorded deed
An unrecorded deed transfers ownership from one party to another without being officially recorded.
U.S. Department. of Housing and Urban Development (HUD)
A federal agency that oversees the Federal Housing Administration and a variety of housing and community development programs.
Unsecured loan
Any loan that is not backed by collateral.
Options than the standard carpeting, lighting, finish carpentry and other amenities offered to all buyers in a new-home project.
The process in which a property is zoned from a lower to a higher use.
Urban sprawl
The unplanned expansion of development over a large area.
A reference to illegally excessive interest charged on any loan.
Variable interest rate
A loan rate that moves up and down based on factors including changes in the rate paid on bank certificates of deposit or Treasury bills.
Variable rate mortgage
A loan with an interest rate that hinges on factors such as the rate paid on bank certificates and Treasury bills.
Variable rate
An interest rate that changes with fluctuations in such indexes as the U.S. Treasury bill index.
Vaulted ceiling
An elongated half-cylinder that arches above the floor.
Verification of deposit
Part of the loan process, in which a lender will ask a borrower's bank to sign a statement verifying the borrower's account balances and history.
Verification of employment
Part of the loan process, in which a lender asks the borrower's employer for confirmation of the borrower's position and salary.
A small entrance hall or room.
Veterans Administration (VA)
The U.S. Department of Veterans Affairs operates a variety of programs to help veterans. One of the key plans it oversees is the VA loan program, which allows most veterans to purchase a house without a down payment.
Victorian style
An architectural style that dates from the mid-19th century.
Vinyl-clad windows
Wood windows sheathed in vinyl on the outside.
Voluntary lien
A lien that a homeowner willingly gives to a lender.
VA loans
A program that allows most veterans to purchase a house without a down payment.
Wood paneling, tongue-and-groove boards or similar material installed between a baseboard and a chair rail.
A voluntary relinquishing of certain rights or claims.
Walk-out basement
A feature that allows a door to open onto ground level.
A buyer's final inspection of the home to determine if conditions in the purchase agreement have been satisfied.
A legally binding promise to do something in the future.
Watery areas such as swamps, marshes and floodplains.
Wild deed
An improperly recorded deed.
The most basic legal document outlining the disposition of a person's estate in the event of death.
Window light
An individual pane of glass.
Window seat
A bench built under an interior window.
Window well
A curved, corrugated steel insert used to isolate basement windows from moisture if they're below the soil line.
Window well covers
Curved plastic covers designed to be installed on top of a window well to cover the opening.
Wraparound mortgage
A loan to a buyer for the remaining balance on a seller's first mortgage and an additional amount requested by the seller. Payments on both loans are made to the lender who holds the wraparound loan.
No terms
No terms
Zero-lot lines
Houses built without space between them and with little or no yard.
Regulations that control the use of land within a jurisdiction..
Zoning variance
A one-time modification of existing zoning law.


text:
(For the book giveaway, scroll down to the end of this post)
I am really excited to introduce you to Anita from Married With Dinner as my guest blogger this weekend. When I first started blogging, there weren't as many blogs to get lost into captivated by delicious recipes and lovely photos. One lucky day 3 years ago, I landed on Anita's blog and I could not stop reading, still can't. We virtually met around a box of macarons and I can't wait for the day I bake a batch with her. As their "about" page states, "Married …with dinner chronicles the continuing adventures of a couple of San Francisco food dorks. Cameron and Anita are both professional writers, amateur cooks, cocktail geeks, and avid diners." I am always in admiration of their mixology knowledge and creations, as well as their awareness of local artisans, food and produce. I can't wait for the day we meet when we can celebrate life and friendship around a good meal.
When Tartelette asked me to take a turn at posting, I froze. See, I love to cook, I'm a pretty good bread-baker, and I've been known to crank out the occasional homespun cake or pie. But to create something worthy of Tartelette — something as beautiful and impressive and drool-worthy as the sorts of things you're used to seeing here — well, I wasn't quite sure I was the right girl for the job.
I poured over cookbooks, went through my archives, begged friends for ideas. Then, when I'd almost given up, I sat down to do my weekly meal planning… and inspiration struck. In the back of my "to-try-someday" recipe file was a dessert I'd been wanting to make, tucked away for an occasion when I needed something special: Ice cream flavored with the French herbal liqueur Chartreuse.
Chartreuse is one of my favorite liqueurs; its spicy complexity adds a layer of mystery to so many wonderful cocktails, and it's also a fabulous treat to sip on its own as a digestif. But until I read David Lebovitz's ice cream compendium, The Perfect Scoop, it had never occurred to me to use it in food. It only took me 18 months to actually find a suitable occasion!
I spun a batch and set it in the freezer to firm up overnight. The next morning, I couldn't wait to taste a sample: Oh, what a heavenly thing it was, light and bright from the addition of sour cream, with a haunting herbal shadow of Chartreuse in the place where you'd expect to find vanilla. I'd only intended to sample a small spoonful, to check the result of my work. But I couldn't stop: I ended up eating a whole bowl of the stuff for breakfast!
When I confessed to David that his recipe was so good that I'd scarfed an entire serving before work, he wasn't surprised: "I love that recipe," he confided, and patiently assured me I shouldn't worry about its detrimental effects on my morning routine. "I actually developed it for a low-fat magazine — It is healthy!"
Of course, I'm of the school of thought that even full-fat ice cream is good for you. After all, there's nothing wrong with eggs and dairy, in moderation. But David's lean-and-clean version is a worthy treat in its own right, not just as a healthy alternative. Without any eggs, you might expect it to be more like a gelato. But instead, it's almost sherbet-like, with a snowy lightness that sets off the richness of any accompaniments.
Unfortunately, even the most delicious bowl of ice cream looks a little ho-hum in photos, and we needed a Tartelette-worthy masterpiece! So I decided to take the plunge and try my hand at a batch of profiteroles to fill with the ice cream. And here's a secret I wished I'd known years ago: As long as you have a pastry bag and a stand mixer, making pate a choux — the basis for eclairs, cream puffs, and profiteroles — is surprisingly simple.
But if, despite my assurances, the idea of whisking eggs into a hot dough seems a little too intimidating, you have my permission to sidestep the profiteroles, provided that you give this beautiful Chartreuse ice cream a little boost of richness with a drizzle of hot fudge. After all, as David told me, "Chocolate sauce is obligatory, even at breakfast."
Chartreuse Ice Cream Recipe from The Perfect Scoop
The published recipe made a little too much base to fit comfortably in my Cuisinart ice-cream maker without overflowing, so I've scaled the measurements down 25% from David's original.
2 cups whole milk
1 cup sour cream
1/2 cup + 1T sugar
2-1/2T green Chartreuse
Puree all the ingredients in a blender, and process until smooth. Chill the mixture thoroughly, then freeze according to your ice-cream maker's usual method.
Choux Pastry Puffs Recipe adapted from Tartelette's Choux a la Creme with modifications from Baking with Julia
85g all-purpose flour
75ml water
75ml whole milk
65g unsalted butter
2 eggs + 1 egg white
1T sugar
pinch of salt
Preheat the oven to 425F. Set up a stand mixer with a paddle attachment.
Sift the flour and set aside. Heat the water, milk, butter, and salt to a full rolling boil. Stir the flour into the liquid with a heavy wooden spoon, adding it as fast as it can be absorbed, but not all at once or it will form clumps. Cook the paste, stirring constantly and breaking up lumps if necessary, until the mixture comes away from the sides of the pan, about 2 to 3 minutes.
Transfer the dough to the mixer bowl and stir at low speed to cool the paste slightly, so that the eggs will not cook when added. On medium-low, mix in the eggs one at a time, then the egg white. The dough should have the consistency of thick mayonnaise.
While the dough is still warm, place it in a pastry bag fitted with a large round tip. Pipe quarter-sized puffs about 1 inch apart on a baking sheet lined with parchment or a silicone mat, then use a moistened spoon (or finger) to smooth out the tails at the top.
Bake at for 15 minutes at 425F without opening the oven door, then reduce heat to 350F and continue to bake until done, about 7 to 12 minutes.
To check for doneness, remove one puff from the sheet and tap the underside with your fingers; it should feel firm and hollow. (If you undercook the puffs, they may deflate as they cool, so err on the side of golden brown rather than pale). When baked through, remove the puffs from the oven and let cool.
Easiest Chocolate Sauce Recipe
Confession time: I cheated and used a jar of Scharffen-Berger chocolate sauce I already had on hand. (It's delicious and locally made, so it's hard to feel too guilty.) But making your own chocolate sauce is dead simple with this recipe, which I've used in the past with great results.
6oz best-quality bittersweet chocolate, chopped
3T water
1/4 cup heavy cream
Set a a heatproof bowl set over a saucepan of simmering water. Melt all ingredients in the bowl, stirring until the mixture is smooth.
To assemble the profiteroles:
Cut each puff in half through the equator; it's easiest if you use a serrated knife. Place three bottom layers on each plate; top each with a small scoop of chartreuse ice cream. Place the tops on the puffs, and drizzle with chocolate sauce.
You will have plenty of leftover ice cream for weeknight treats (or breakfast!).
I also want to thank you for stopping here like you do by giving one lucky person a copy of The Baker's Odyssey, by Greg Patent, a whopping 400 pages dedicated to the recipes and culinary history of American immigrants from all over the world. I have already mentionned this gem of a book with the Princess Torte recipe and I would love to send the extra copy that I have to one of you.
All you have to do is leave a comment between today Friday February 20th and Monday February 23rd midnight (US Eastern time). A reader will be chosen at random and announced later that week (duplicate comments will be deleted and if you wish to remain anonymous, please at least sign Zorro or something)

subset: commoncrawl


text:
I adapted the recipe from Star Kuali and simplified the ingredients and method to suit my taste and ingredients I have in hand.
Ingredients :
1 cucumber - (removed the seeds) and cut into 4cm strips
150g cabbage leaves, cut into 2.5cm squares
2 carrots cut into 4cm strips
150g long beans, cut into 4cm strips
To make into paste:
6 fresh chillies
5 dried chillies –soak in hot water until soft
6 shallots
2 cloves garlic
2 cm fresh turmeric root/1 tbsp ground turmeric
1" galangal (lengkuas)
3 candlenuts/almond or macadamia nuts
1 stalk lemon grass, sliced finely
1" of shrimp paste (belachan) - optional
Vinegar mixture:
1 cup of white vinegar
1 cup water
6 tbsp of brown sugar (more if you like it sweeter)
1 tsp salt
200g roasted peanuts, skinned and pounded
5 tbsp roasted sesame seeds
For blanching the vegetables:
600ml water
400ml vinegar
2 tbsp salt
2 tbsp sugar
1. Rub cucumber slices with 1 tbsp salt. Leave aside for one hour. Wrap in clean towel or muslin cloth and squeeze out excess liquid. Put all the ground ingredients in a food processor and ground into paste and set it aside.
2. Bring water, vinegar, salt and sugar for blanching vegetables to a rapid boil. Blanch the vegetables (except cucumber) one type at a time for 15 second. Remove and using a clean kitchen towel, squeezed the water out of the vegetable and set it aside.
3. Heat up about 3-4 tbsp of oil in frying pan and stir-fry the ground ingredients until fragrant and the oil begins to separate. Stir in water and vinegar. Add sugar and salt and bring to a boil, then leave to cool completely. Check seasoning as you might need to add more sugar to it.
4. Stir in all the prepared vegetables, peanuts and sesame seeds. Store in a clean jar and refrigerate.


text: Sore Thumbs is a manga-style webcomic drawn by Owen Gieni and written by Chris Crosby, which started on March 8, 2004. It is more or less an allegory of the current political landscape in America. Sore Thumbs mainly centres on the trials of Fairbanks Greensworthington and his sister Cecania. The focus of the comic is the Sore Thumbs Video games store, which Fairbanks owns; Cecania, Harmony and Sawyer are employees there. The strip frequently makes use of bizarre and incongruous similes and metaphors, and there is a running gag wherein Mario (the Nintendo character) is supposed to look like a penis. A focal comic point is Fairbanks's strained relations with the oddballs, lunatics, game fanatics, and even normal people who come into the store. An anomaly of the strip is that the characters are supposedly being portrayed by actors in the strip, and there are a few strips that have the 'actors' addressing the audience out of character. The series rarely addresses issues in gaming (at least, compared to other self-proclaimed gaming comics, such as Penny Arcade), instead often focusing on extremely exaggerated political issues (with a notable liberal bias).


text:
Version 2 (modified by trac, 10 years ago) (diff) |
Trac Navigation
The main and meta navigation entries can be customized in some basic ways. The [mainnav] and [metanav] configuration sections can be used to customize the text and link used for the navigation items, or even to disable them. The mainnav and metanav options in the [trac] configuration section can be used to change the order.
[mainnav] corresponds to the main navigation bar, the one containing entries such as Wiki, Timeline, Roadmap, Browse Source and so on. This navigation bar is meant to access the default page of the main modules enabled in Trac that are accessible for the current user.
In the following example, we rename the link to the Wiki start "Home", and make the "View Tickets" entry link to a specific report. The second example (below) also hides the "Help/Guide" link.
Relevant excerpt from the TracIni:
[mainnav] wiki.label = Home tickets.href = /report/24
[metanav] corresponds to the meta navigation bar, by default positioned above the main navigation bar and below the Search box. It contains the Log in, Logout, Help/Guide etc. entries. This navigation bar is meant to access some global information about the Trac project and the current user.
There is one special entry in the [metanav] section: logout.redirect is the page the user sees after hitting the logout button.
[metanav] help = disabled logout.redirect = wiki/Logout
Possible URL formats (for .href or .redirect):
config | redirect to |
wiki/Logout | /projects/env/wiki/Logout |
http://hostname/ | http://hostname/ |
/projects | /projects |
The mainnav and metanav options in the [trac] configuration section control the order in which the navigation items are displayed (left to right). This can be useful with plugins that add navigation items.
In the following example, we change the order to prioritise the ticket related items further left.
Relevant excerpt from the TracIni:
[trac] mainnav = wiki,tickets,newticket,timeline,roadmap,browser,search,admin
The default order and item names can be viewed in the trac section of TracIni.
Context Navigation
Note that it is still not possible to customize the contextual navigation bar, i.e. the one usually placed below the main navigation bar.
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Results for this survey are based on telephone interviews conducted under the direction of Princeton Survey Research Associates among a nationwide sample of 1,503 adults, 18 years of age or older, from January 7-11, 2009 (1,128 respondents were interviewed on a landline telephone, and 375 were interviewed on a cell phone, including 112 who had no landline telephone). Both the landline and cell phone samples were provided by Survey Sampling International.
The combined landline and cell phone sample are weighted using an iterative technique that matches gender, age, education, race/ethnicity, region, and population density to parameters from the March 2007 Census Bureau's Current Population Survey. The sample is also weighted to match current patterns of telephone status and relative usage of landline and cell phones (for those with both), based on extrapolations from the 2007 National Health Interview Survey. The weighting procedure also accounts for the fact that respondents with both landline and cell phones have a greater probability of being included in the sample.
The following table shows the error attributable to sampling that would be expected at the 95% level of confidence for different groups in the survey:
Group | Sample Size | Plus or minus… |
Total sample | 1,503 | 3.0 percentage points |
Form 1 sample | 769 | 4.0 percentage points |
Form 2 sample | 734 | 4.0 percentage points |
In addition to sampling error, one should bear in mind that question wording and practical difficulties in conducting surveys can introduce error or bias into the findings of opinion polls.


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Betty & Billy Traquair
Nicola Shea
Remember and celebrate the life of someone special by sponsoring a star as part of our Light up a Life appeal. What better way to celebrate their lives than by joining with us to dedicate a star in our Hospice Starry Sky.
You can choose a star, and write a dedication (and include a photo if you wish) for the star in the sky.
After making a donation to the work of the Hospice, your star will be "born" and each and every star in the sky will represent a life - the life of someone special, someone missed.


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The Archetype Course – Review
- Archetype Course - Review
May 5, 2024
Teacher: Shaughna Born. Class held on Sunday May 5 beginning
at 1:00pm (Pacific).
A one session review of all 4 classes of The Archetype course, with Shaughna Born.
Some FAQ's so you can best enjoy your course!
How long are the classes?
Each of your 4 classes will be approximately 3 to 4 hours in length, depending on the number of registered students.
What should I bring?
The course is very rich in content, and so you will likely want to keep a record of your observations and learning. We highly recommend bringing a journal or writing materials.
Dress comfortably! You will also want to bring some water and snacks (preferably protein), as we work in energy with you and you are likely to become very (!) hungry during class.
What if I can't make a class?
Each class builds on the previous one, so you would have to 're-take' the course, either with your current teacher or another teacher with a scheduled course. Sorry, there are no refunds once courses have started except under emergency situations. You can find out more about our cancellation and refund policies in the Fine Print area of this page. We'll do our best to accommodate you finding another course!
What happens once I complete the 4 classes?
Welcome to our community! In your last class, your teacher will give you information regarding options you have to continue your learning. Information includes how to participate in Monthly Meetings we conduct to keep you on your path and to further your knowledge about concepts learned in Level 1. You will also be eligible to join other programs such as Master Warrior, and you will have the opportunity to have two private sessions with your teacher. There is much to do and much to learn!
Who do I contact with any questions?
We are here to serve you! Ask your teacher for further information, or contact us at the Academy at any time.
Enjoy your course!
We encourage you to read the FINE PRINT
Below, we outline our Cancellation and Refund policies, as well as your Acknowledgement and Release Agreement when registering for a course with Training in Power. And if you are interested, here's a peek at our Privacy Policy.
Granted, it's a long read, yet it is important that you have a full understanding of Policies.
By registering for a course, you agree to the following:
Cancellation and Refund Policy
Please note: sorry, there are no full or partial refunds once a course has started.
In Town Courses
In Town courses are taught in the teacher's city. Refunds are issued less a $50 administration fee up to 7 days prior to course start date. After 7 days before course start date, no refunds will be issued except under emergency situations approved by the Academy.
Out of Town Courses Cancellation/Refund Policy
Out of Town courses – when a teacher travels from their home town in to another city. No refund 30 days prior to course start date. Full refund (less $50 administration fee) if notice is given in writing to the teacher more than 30 days before course start date, or if course is cancelled by the Academy.
No full or partial refunds for partially finished courses (applies to all in town and out of town courses).
NSF Policy
A non-refundable fee of $25 will be assessed for all insufficient funds whether by credit card, PayPal or cheque.
- In Town Rates: refers to courses taught in the teacher's home town.
- Out of Town Rates: refers to courses where the teacher must travel to teach outside their home town.
- Tuition Rate: the rate for the course
- GST/HST (Canada only): all courses in Canada are subject to GST/HST of their respective province. Courses in the U.S. are subject to applicable local taxes, if any.
- Credit Card and PayPal Fees: appropriate fees will be added by PayPal during "Check Out" for each transaction.
Acknowledgement and Declaration
If you have a physical condition which requires special treatment throughout the day, please do not attend this program until your health has stabilized and your Health Professional agrees that attending the program would be beneficial.
If you are currently in treatment for psychological issues or problems, please do not attend this program unless you and your Health Professional agree that your emotional health is stable and that attending would be beneficial for you.
I hereby acknowledge that I have read the above information thoroughly and carefully and that I understand it. I have carefully considered all questions and have answered them truthfully.
Release Agreement
Programs offered by Training in Power Academy are intended to assist you with your spiritual development. Because these programs are most effective when you discover them for yourself, rather than having them explained to you in advance, you may not be fully informed about the nature of the programs prior to enrolling. The effects of these programs on different individuals are not entirely predictable. The overwhelming majority of participants feel that the programs are beneficial and have a positive, exciting effect on their lives; however, you may not agree. Therefore, we ask that you make the following acknowledgments and representations and that you execute the following agreements.
- Acknowledgments and Representations
- I understand that I may not be fully informed about the content of the Training in Power course I am about to take. While I understand in general terms the personal power and intuitive abilities the training is intended to help me achieve, the means used to attain those abilities have not been fully explained to me. I understand and acknowledge that the training is designed as an experience and that any benefits I receive from it will come through my own discovery and initiative, which could be defeated by prior explanation.
- I understand and acknowledge that in spite of the best efforts of Training in Power, I may not find value in the course, or I may experience potentially uncomfortable emotions as a result of taking the training. I assume all risk of such consequences, even though I do not fully understand the nature of the training I am about to attend. I understand that my response may depend on many factors, including such things as previous life experience, belief systems, individual openness to change, the ability to hear what others are saying and a willingness to be open to new information.
- I understand that the course is not psychotherapy nor medical therapy, nor is it a substitute for these services. I understand that the course leaders are not necessarily licensed psychiatrists or psychologists.
- I acknowledge that if I have mental or emotional problems or instabilities I should not take this course. If I have concerns about my mental or emotional health, I have consulted a psychiatrist, psychologist or other mental health professional before enrolling in this course, and that a mental health professional has approved my participation in the course.
- I do not have physical problems or deficiencies that would prevent me from fully participating in the course schedule. If I have any doubts about my physical ability to participate according to the published schedule, I have resolved all such doubts by consultation with my private physician prior to enrolling in this course. In such case, my physician has approved my participation in the course.
- If I have concerns about my mental or physical well-being or my level of stress during any class or meeting session, I agree to notify the teacher immediately. I understand that I am not bound to stay in a class or meeting against my will. If during the class or meeting (or afterwards) I feel the need for assistance from anyone, professional or otherwise, I take full responsibility for leaving the class or meeting and obtaining it for myself.
- I understand that Training in Power is relying upon the truth and accuracy of the above acknowledgments and representations in evaluating my eligibility to participate in its classes and meetings.
- Indemnity and Release
I accept full personal responsibility for my participation in all Training in Power classes and meetings. Therefore, for myself and on behalf of my heirs, representatives, successors and assigns, I hereby agree to indemnify and hold harmless and forever release and discharge Training in Power, its officers, agents, employees, class and meeting participants and representatives, and their successors and assigns from all injury, damage, claims, liabilities, costs and expenses (i) arising from or related to my participation in any of Training In Power's classes and meetings, whether such claims are made on my behalf, by me or by a third party, or (ii) should any of my acknowledgments or representations in this Agreement prove to be untrue at the time they are made or subsequently. This indemnity and release includes loss, damage or injury resulting from the negligence of Training in Power or its officers, agents, employees, class and meeting participants and representatives, and their successors and assigns.
III. Dispute Resolution by Arbitration Only
If, at any time, I believe that I have claims against the Training in Power which are not released by the above agreements, I shall submit any and all such claims to binding arbitration in accordance with the rules of the American Arbitration Association, and if the claim arises in Canada, I agree to submit it to arbitration in Vancouver, British Columbia, under the applicable arbitration rules of the Commercial Arbitration Act of the Province of British Columbia, regardless of where the claim arises. In either case, I agree that the award of the arbitrator shall be binding and may be enforced by any court of proper jurisdiction. I agree that any action I may file in a court of law in violation of this Paragraph may be removed by Training in Power to arbitration, and I shall not contest such removal.
I certify that I am 18 years or older, that I have read this document carefully, and that I understand its contents.
Note: A guardian's signature is required for those under 18 years of age.


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Free Editable November 2023 Printable Calendar are ready to download and print, and of course, they are completely free.
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Splatoon (JCON)
Customer Creations
How Its Made
Customer Reviews
Let's Get Started
Begining of something great
Our professional technicians start with an original Sony Dualshock 4 controller, then disassembled and prepared for the paint application process.
Every product is hand crafted by our elite team of airbrush artist and clear coat specialists
Precision and Quality
The tools of the trade
Wether a technician is assembling a controller or an artist is paintng a product to the customer specifications, only the industries leading technology and devices are used to ensure the highest quality custom controllers on the market to date.
Build. Test. Ship.
By gamers, for gamers
Each product is hand assembled, using all of the original internals that where removed at the time of disassembly. Hardware and cosmetic upgrades are applied at this time by our professionally trained technicians.
Every controller is tested rigorously on today's hottest titles before leaving our facilities in St. Louis, MO.


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The Authors"W"
StoryMania Direct StoryLinksMania StoryArtMania Short Stories Poetry Novels Plays Screenplays Songs Non-Fiction Essays Foreign Reference Children Genres Columns The Advisor New Titles The Authors The Authors - Select Page Submit Your Work! Top Title Hits Hot Picks Search Guest Book Chat Rooms Partners Contact Us About Us Home Page Lindsay W I wrote this song for all of you out there who are looking for love... I hope you like it. Alice W-M I love to read and learning new languages. My favorite types of music are metal/punk and rock.Matthew W Journalist, outdoorsman.William W R Ocasio -Trw W -Wagner -Alexander James Wahts Please contact me if you want to use this song on [email protected] or 07832954147Amy Waits -Paige Wakefield -Armand Waksberg - Gemma Waldron -Patricia Waldrop A 16 year old girl who loves to read and decided to write her own story of what she thought would be intCharles Walitzki I live on a farm in Primrose Township Wisconsin, with two sons, Clark and Sowelu and partner Jodi. I bak...Men Walkalone After a long journey, reached the dilema o light.Kyle Walker -Scott Edward Clark Walker Scott Walker was born in Orem, Utah in 1988. He moved several times before settling down in Cor...Emily Maria Wallman -L A Walters -M Q Walters -Nicolette Walters im new here but I write really good.Carrie-M Walton I am a 47 year old married female i own my own small business, I love writing poetry about nature, religi...Kc Walton -Skye Walton I love writing i am currently a member of poetry.com and you can find me under the name 'skye walton' Banae Wan Half asian, half american. Wandering Minstrel Listless pourings of random illusion and disillusion.Deborah S Wang The author will be a freshman at UC Berkeley August. The author currently resides in Ohio. The author re...Ed Wang You may call me "Ed" due to the fact that everyone else calls me this. I enjoy every kind of fiction ranging from...Wang -Michael Wani An university student who taking bachelor of majoring in chemistry.Love and enjoy to write the poem,song lyr...Matthew Mark Gill Wannabe Sports Man Like dude get a life!WardAndWaltersBA -Christopher Ward 22 year old, grew up in South Africam currently a computing science major in Northern Ireland. An avid ...Gerri R. Ward Gerri Ward is a thirty-something writer who continues to express her inner thoughts through words that bind...Shane A Ward -Luke J Ware A slightly odd character that enjoys writing for himself mostly and then for others.Taylor R Ware -Narya Nicole Waring im a very layed back down to earth songwriter. my songs are inspired by current moods or feelings. i...Deidre R Warner I am an atheist/humanist and was born with a cleft lip and palate. I mention these things only because a ...Katelyn Warren Katelyn Warren is a high school senior and she wrote and published this story for her creative writing claErin Washington I'm a seventeen junior in high school. I been writing poetry for a long time, but never had a chance to p...Nick Washington ehSandy Wasson -Cerribah C Waters noneVirginia Waters I have always wanted to see my fiction in print. I try to tell stories of love and affection as I see it,...L A Watkins -William Watkins I've been writing songs/poems since 2009. If you'd like to put any of my lyrics to music, please contact...Ellen E Watson I,m sixteen years old, single, and born May 1, 1988. I have brown hair, and blue eyes. I love to write, st...Kourtney Anne M Watson -Coralie R Watts I am in the fifth grade and have been writing since I was in the third grade. J L Watts -Ryan Watts -Tarlae Watts Singer/SongwriterKgee Way I'm a kid who writes lyrics. Most of them are dark. They're all rock by the way.Lil' Wayne -Rich Wealthy I'm from Florida. Don't call me queer. I talk bad about women because I'm antichick.Charlotte Juliet Weasley -Connor Weatherly I am 14.J P Weathers -Nathan Aaron Weaver Well... this was my first submission, but I forgot about this place and lost track of my password. W...Nathan Weaver Oops; somehow I erased this. Bum wrap. I'll update it later. Right now, I'm peeved.Jermise Webb 404 ENTERTAINMENTJermise Webb YEA WAT UP THIS UR BOY JERMISE AKA KING IM 18 YEARS OLD_ I LIVE IN CONYERS,GA_ MY RAP GROUP IS CALLED 404 EN...Kenneth C Hoffman Webster A retired portrait photographer. I like to write, turn photos into digital art, bike, and sing Ruby Webster -Wegner -P Garrett Weiler I've been writing intermittently for many years. Some of my short fiction has found its way into both p...Kymberlie Weir I don't use this anymore but this somewhere i used to write my thoughts down in my early teens so be prepa...Diaz Weise country music is my life next to jesus and horsesRachel Weisenfeld -Jarrin Weiser female, 20Joel Weiss I live in Westerly Rhode Island and this is my first short crime novel. I also have a strong interest in Fore...Krista Weiss Hi! I am a young mother of two adorable children, Alex and Maggie. My 3rd child is expected this winter. ...Alex Wellington I am currently a college student who enjoys sailing and ancient mythology in my spare time.Jim Wellington I am an insurance executive in Chicago and I am trying my hand at writingPeter Wellington I am a stockbroker, and I am trying my hand at writing. R B Wellman Im 14 years old, from West Virginia and I have a real joy in writing song lyrics and I hope to be a musician Jordan Lee Wellnitz -Dixie Wells -Sierra S Welsh -Mark A Welshrocker I'm 17, a student and a budding musician hoping to hit it big. This is the first song I've wrote and h...Wendland A wonderful story when a friend stealsWendland A very spooky storie GuaranteedWesneski -Christopher D West -Michael David West I'm the same as most of you. Trying to get it right.Melanie West -Wetweathersewage See more at wetweathersewage.comK Whan Grandfather.Ken Whan A writer.Matthew Mark Gill Whatever Coming to reality is Hard for anyone!Matthew Mark Gill Whatever You http://myspace.com/matthewmarktalent Become a cool friend..Wheaton -Aaron Wheeler -Rita A. Wheeler -Eric White -Joan Elizabeth White -Pauline A White A middle-aged woman, living in Queens, NY who enjoys sharing her thoughts and imagination with children o...Ashley Whitedove I just graduated from highschool!I am in love with Daniel Day Lewis, Stephen Colbert and David Thewlis!!...Katie R Whiting -Skeeze Whitlow Skeeze Whitlow was born in Buffalo, sailed in the Merchant Marine, graduated from Marymount. Believes lif...Amber A Whitman -Kym Whitney -Matthew Mark Gill Who Are You Again A new life without Drama..Black Widow -Adam Wieland -Devin B Wieland My name is Devin B Wieland and I'm a professional writing major at Taylor University.Edward L Wier Edward Wier, other titlesOzlem Wierzbicki -Nellie Jane Wigal Freelance editor.WigginP -Irisha Wiggins I am 18 years old(female), and enjoying my first year of college.I attend Bloomfield Collge.I was born and...David Wightman A couple of short stories from my book which is entitled 'Ergot Ego - a collection of oddities'. Mikayla L Wilbarger 14 year old girl from arkansas. It a band called burning flesh.Cathy Wilde -Rob Wildey Born and raised in IllinoisAnthony Wilhoit Anthony Wilhoit. I enjoy writing and drinking, preferably at the same time. Will Cameron -Justin B William Justice Justice works as a rehab director in a small Mississippi community. Currently he lives with his ...Ap Williams I've posted works on here before under differant names. It's been so long since I've submitted, though, that ...Brianna Lashae Williams -Brianna Williams Okay Ive been writing since the fifth grade but I started being serious about it in the eighth grade. I ...Charles J Williams i see myself as a god of my own destiny, writing of my own desires, knowing more than anyone around, y...Clive Williams -Desi Williams -Jeffrey Lee WilliamsJames R. Williams James Williams is a free-lance writer and currently resides in Chesapeake, VA. He's an ex-search and r...Jeffrey Williams Jr -Jeffrey Williams Professional writer from NYC. Lynn Williams There's a thin line between love and hate.Michael J Williams -M Kathleen Williams (b.) February 11, 1952; St. Thomas, Ontario; (p.) Charles and Marjorie Tutty; (ch.) Charleen and Hall...Monica Williams I'm 17...and I have ALWAYS had a passion for writing my own songs. My biggest inspiration is my boyfrien...Que I Williams I'm just an ordinary girl. I've lost things, I've gain things. Sometimes lost more than anything but I'm s...Samuel Lamar Williams Also known as Prince Lamar.Tr-C Williams Why don't they just shut up and speak. Whitney Williams 16 year old from LondonCassie L Williamson -Nicci Williamson Confused 20 year old dreamerWilliffordDG -D G Williford Don't hate me because I'm crazy!Dg Williford Don't hate me because I'm crazy!Justin M Willis I am a teen who loves to make music and write songs.Sharon Lynn Willis A woman who has reached the end of the rope in relationships. I find out after reading my poem the rea...Willowstar a poem/song celebrating the end of tough times, where lack of faith had me down but friends helped to turn me Tiny Wills I am called tiny I am 12 from cornwall!! I love writing lyrics and acting. I would like to be a lyric...Weird Willychuck a funny boy who is challenged with writing such material as thisAngela Wilson My Name is Angela Wilson And I'm from Sacramento, California.Akanihu C Wilson -Angela M Wilson Wilson My name is Angela Wilson And I'm a published poet. I've published in Magazines and Won a few conte...Angela Wilson -Amber Wilson ....I write stuff.......George Wilson Freelance writer.J W Wilson III -Jordan S Wilson -Jacquelyn Wilson I am 48 years old, single, and have been writing poetry since childhood. I have written several short s...Lacey Wilson Lacey is a senior in high school who has a twin sister and would like to become either a Computer animator o...Ramone Wilson -Shannon Bee Wilson I am a grad student and am working on a masters in Reading. I enjoy reading, music, and getting to sl...Swish S Wilson -Swish Wilson -Kendall Wilt The past is the past for as far as I can see I dwell on the things that weren't meant to beWilted Rose I am 20 years old, and I've been through a lot in life. The stories and songs I write reflect who I have beco...Alexis Winchy -WinstonE -Jennifer Winter -Jeffrey (George) Winter Journalist, counselor, author.L A Winterburn -Geraldine Winters -Matthew Mark Gill With God Watching your life change in just a few days..Withered Rose -Raychil Willow-Light Sandoval Withoos I am Raychil. I wrote this song as I was sitting by myself, and thinking of whats bWizard -Rachel Wnuk -Kimmberlee A Wolf -Wolfa Yes, I am "frollygumpaloo".Michael Wolfe I am a 15 year old writer from North Dakota,USA. I participate in high school football, basketball, and tr...Rainier Wong Rainier Wong is the webmaster of nicepods.com, a website dedicated to help its members to get more visitors ...C M J Wood I am a fan of horror and like young adult fiction, which I also write. Along with other teen issues. I also li...Duane A Wood/Caveman H Wood 16 year old BRITISH author. Study english at college.Lizzie Wood Hi Im lizzie and I love writing my own song This is my firstsongs and there are many more to come. I love sin...R Wood I'm 18 and heavily into music but have only just started to write my own songs.Sharbear Wood -Tyler A Wood I was born in Towson, MD. I currently live in Stewartstown, PA. I'm in a band called Scathing Demize.Don Wood Williams Songwriter, composer, singer.Rachel Tj Woodlee im 14 goin on 15 next month. tryin to see if i can write songs and i have a good singing voice. i think...C R Woods Im 14 and have wrote loads.Hayden Woods -Leesa Woods im a young new song writer and i want people to see my work and tell me if its good or if i should change som...Aaron Woodside -Woodside -Caroline Woodson -Elwin L Wormwood I am a 45 year old who is a avid reader turned writer. Most of my stories are of the horror variety but ...Michelle Worswick -Michael Worthington Young song writer.WrightMS -Pauline Wright I'm a young student living in New York, trying to make it through the day without collapsing. Trying to ma...Song Wright Author is a mother and wife. She works at home part time as a computer programmer. William Wright Dear Industry Professional: This script is proudly represented by The Swetky Agency. We vouch for the fac...David Wrigley Comes from New Zealand writes bit of poetry time to time thats all I got to say about that ;).Ghost Writer Someone missing someone so badly.Paper Writer I will be eager to help you all when ou will be having a problem in your writing. Josh Wroblewski -Wrofegoogsara Wrofegoogsara WrofeGoogSaraChrissi Wylde I wrote this off a writing prompt, "Big-picture, Small-scope" was the idea...Lorraine Wylie I'm in my early forties, have three teenagers who provide most of my inspiration as well as distractions! ...Sarah M Wylie -Ron Wynes I am a forty eight year old male with a high school education and some technical training for telephone. I was ...C E Wynkoop -Darya Wynter -Colin WoodwardEmma-Jane WalshP D WooMike WongRichard WilliamsEdward WierKevin Virgil WallaceMichael WolfeThomas Wolff Go to page: A B C D E F G H I J K L M N O P Q R S T U V [W] X Y Z
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