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Everybody gets angry sometimes. Being angry doesn't really solve much — but what people do when they feel angry is important. The goal is to calm yourself down and try to solve whatever problem is bothering you. This is hard for some kids (and adults, too). Instead of calming down, some kids might keep getting more and more upset until they explode like a volcano!
Some kids get angry more often or more easily than some other kids. Their anger might be so strong that the feeling gets out of control and causes them to act in ways that are unacceptable and hurtful. People might say kids like this have a temper, which is a term for acting all angry and out of control. When people say that someone has trouble controlling their temper, they usually mean that a kid misbehaves when feeling angry or frustrated.
Some kids might get so angry that they scream at their mom or dad, punch the wall, slam doors, break something, or — worse yet — hit a brother or sister. Kids are allowed to express their feelings, even angry ones, but it's not OK for a kid to do any of those things.
Kids don't want to (or mean to) act this way — but sometimes angry feelings can be hard to manage. So what do you do if you're a volcano kind of a kid and your temper is getting you into trouble?
Well, the good news is that kids don't just have to keep making the same mistakes over and over again. You can train your temper the same way you might train a puppy. Huh? That's right, we said a puppy.
If you've ever played with puppies, you know they are sweet but a little out of control. Their tails wag furiously and they might tear apart your sneakers or nip at the mailman's behind. Oh dear, what can you do with your puppy? Training is the answer.
In the same way, you can train your temper. Imagine your temper as a puppy inside you that needs some training. The puppy is not bad — it will probably turn out to be a great dog. It just needs to learn some rules because, right now, that puppy is causing some problems for you.
You don't want to keep getting in trouble for the way you act when you're angry. You probably even feel bad afterward if you've hurt someone's feelings or broken a toy you liked. So let's get that puppy trained.
Here are some things to try anytime, even when you're not angry:
The real test comes the next time you get so mad you could just explode. But don't explode. Put a leash on that puppy with these four steps:
What if it's a problem that can't be solved? Like being angry about your parents' divorce, or having to go to summer school, or wanting a later bedtime? Or when you just can't get your way about something? Some stuff kids get angry about can't be changed. For instance, if your mom says it's time to stop playing your video game and go to bed, what can you do? She's not changing her mind and you have to get some sleep. Man, that really stinks! You were almost to level 4!
But even if you get really angry, she won't budge. And even if you knock over a chair, you'll still have to stop playing your game. But now you might have an extra penalty for knocking over the chair. Maybe she'll say you aren't allowed to play your game tomorrow! That would be very bad news — you'd have to wait even longer to get to level 4.
Though it's one of the toughest things to learn, it might be best just to tell yourself, "OK, stop the game and get to bed." Some arguments you'll be able to win, but this probably isn't one of them.
That doesn't mean you'll never get your way. You will be able to get your way sometimes. Bigger kids, like you, can learn to make their points calmly without losing it. This approach usually works better with everyone, especially parents. When you do this, you're controlling that wild little puppy inside you. You're in charge instead of that little rascal with the wagging tail.
Have you been wondering why we asked you to think of your temper as a puppy? A puppy is young and loveable — just like you — and wonderful to be around, especially when it keeps its temper under control!
Reviewed by: D'Arcy Lyness, PhD
Date Reviewed: Apr 14, 2015
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Previous Lesson
Complete and Continue
The Badass B2B Growth Guide
The Foundation
Play F0: The #1 Rule of Selling
Play F1: Know Your Market
Play F2: Having a Growth vs. Fixed Mindset
Play F3: Don't Be a Debbie Downer
Play F4: How to Elegantly Explain What You Do
Play F5: Ditch the Pitch
Play F6: Starting Conversations with Strangers
Play F7: Don't Exceed Your Prospect's Speed Limit
Play F8: Solutions Disguised as Problems
Play F9: How to Explain What You Do in a Cold Email in One Sentence
Play F10: How to Start Conversations with People Who Aren't Buying
Play F11: Deposits & Withdrawals
Play F12: Why Prospects Are Guarded Around Salespeople (And What to do About it)
Play F13: Detaching from the Outcome (Video)
Play F14: How to Sell More "Hamburgers"
Play F15: Twist the Knife
Play F16: Stay Away From This Phrase
Play 17 - A Surfer's Mind
Know Your Prospect's Jobs-to-be-Done
Play PM1: Your Market's Motivations
Play PM2: Fireballs vs. Flowers
Play PM3: How to Become An Insider
Play PM4: How to Get Your Prospect's Secret Buying Language using Jobs-to-Be Done
Play PM5: Jobs to Be Done Interview Guide
Play PM6: Example of a Jobs-to-Be-Done Interview
Play PM7: The Lingo Library
Play PM8: How to Be More Interesting to Prospects
Play PM9: How to Stay Top of Mind When Prospects Aren't Motivated Right Now?
Play PM10: How to Get the CFOs to Buy In
Outsourcing List Building
Play LB1: Getting Started
Play LB2: Defining Your Targeting Parameters Using Sales Navigator
Play LB3: The Data Enrichment Providers I Recommend
Play LB4: Example of a Lead List You'll Get Back
Cold Calling
Play CC1: The Pain Triangle
Play CC2: The Educational Based Cold Call Script
Play CC3: Example: Educational Based Cold Call Script - Sales Coach
Play CC4: Behind the Scenes — Creating an Educational Based Cold Call Script — Example for Fin Tech
Play CC6: Leveraging Wins to Attract Similar Clients
Play CC7: What to Say When a Gatekeeper Picks Up
Place CC9: How to Cold Call a Trade Show Lead
Play CC10 - Real Cold Call
Play CC11 - Example SaaS Cold Call Script
Play CC12: Real Cold Call - Accusation Audit
Play CC13: 14 Killer Cold Call Openers
Play CC14: The Reheat Campaign
Play CC15: Transcript of a Good Cold Call You Can Steal
Play CC16: Live Cold Call Critique
Play VM0: The Open Loop Voicemail
Play VM1: Five Voicemail Formulas
Play VM2: The 8.9 second voicemail
Play VM3: Voicemail — The Script and Tone That Gets 30% of My Calls Returned
Play VM4: Voicemail makeover
Play VM5: My Go To Voicemail
Cold Email Copywriting
Play CW00: Let's write a good cold email (step by step)
Play CW1: Don't Believe the Hype
Play CW2: The Triplet
Play CW3:: Go for No
Play CW4: How to Use Humor to Increase Response Rates
Play CW5: Your Customers Are Your Best Salespeople
Play CW6: Turning a Skeptic into a Buyer
Play CW7: How to Explain Things Clearly
Play CW8: Show, Don't Tell
Play CW9: Casual Copywriting Example
Play CW10: The Secret to Creating Memorable Cold Email Copy
Play CW11: Sales Copy Teardown (Before & After)
Play CW12: Are You Pitching or Proving?
Play CW13: Example of Hype-Free Copy in a Cold Email
Play CW14: 2 Things I Learned from Jason Fried About Copywriting
Play CW15: Casual Copywriting Examples (Before & After)
Play CW16: The Secret to Getting More Positive Cold Email Responses
Play CW17: 3 Ways to Increase Cold Email Response Rates
Play CW18: How to Use Emotions to Motivate Prospects
Play CW19: Steal Like an Artist to Increase Open Rates
Play CW20: Chase — Features into Benefits Makeover
Play CW21: Before & After
Play CW22: Who's Your Villain?
Play CW23: How to Use Humor to Increase Response Rates
Play CW24: Ditch this word
Play CW25: What Pisses People Off?
Play CW26: Steal This Porsche Ad
Play CW26: A Magic Word
Play CW27: Be Crispy
Play CW28: Write With an Eraser
Play CW29: Cold Emailing Over the Shoulder Video
Play CW30: "What if" questions
Play CW31: What We Do vs. What You Can Do
Play CW32: Why Prospects Don't Respond (And How to Fix it)
Play CW33: 9 Cold Email Copywriting Formulas That Convert
Play CW34: Cutting the Fluff
Cold Emailing
Play CE000 - Improving cold email deliverability
Play CE:00 - The Easier Way to Start Conversations With Strangers
Play CE1: The Biggest Cold Email Mistake
Play CE2: Cold Email: Subject Lines
Play CE4: Bring Back That Loving Feeling
Play CE5: Cold Email: Follow-up After Direct Mail
Play CE6: 15 Minutes of Fame
Play CE7: Leveraging Shared Audiences
Play CE8: Reactivate Lost Opportunities
Play CE9: Medicine for the Problem
Play CE10: Example for SaaS
Play CE11: The Cold Call Email
Play CE12: Personalization at Scale
Play CE13: Cold Email From the CEO of Rippling
Play CE14: Shining a Light on a Problem
Play CE15: Informative & Entertaining
Play CE16: Introducing Two People via Email
Play CE17: The 4T Email — A High Converting Formula
Play CE18: Low Friction Calls to Action
Play CE19: Email to Start a Conversation with an Innovator
Play CE20: Educational Emails
Play CE21: How to Respond to, "Send Me Some Information" in Email
Play CE23: The Cold Email that Booked a Meeting and Sales with GEICO
Play CE24: The One Sentence Email
Play CE25: Example of a Personalized 4T Email
Play CE26: Example of a 4T Email to Target
Play CE27: 4T Email that Got the Attention of a CEO
Play CE28: A Cold Email Written by a Customer to a Prospect
Play CE29: One of the Best Cold Emails I've Ever Seen
Play CE30: Personalized Image in Cold Emails
Play CE31: Hyper-Personalized 4T Email that Got a Positive Response
Play CE32: The Cold Email that Got a Response from a Director of Sales
Play CE33: How to Write a Damn Good Email in 8 Minutes
Play CE34: 6 Low Friction Calls to Action that Start Conversations
Play CE35 Post Webinar Email that Starts Conversations
Play CE36: Cold Email that Booked a Meeting After a Prospect said, "No Thanks"
Play CE37: How to Get a Response from a Busy Person — Teardown
Play CE38: Illumination Cold Email (How to Change the Status Quo)
Play CE39: How to Respond when a Prospects Asks for Information via Email
Play CE40: What Zelda Can Teach You About Writing a Good Cold Email
Play CE41: The Radically Honest Illumination Email
Play CE42: Real Email - Educational Offer that Booked a Meeting
Play CE43: The Photoshop Cold Email
Play CE44: The Broken Clavicle Bone
Play CE45: How to Follow-Up Without Being Annoying
Play CE46: The 28 Word Email
Play CE47: The Easier Way to Book Meetings
Play CE48: Reaching Out to People Who Didn't Buy
Play CE49: Leveraging Customers for Warm Intros
Play CE50: 1 i simple idea to grow sales in 3 months
Play CE51: Emails That Look Like Texts - Alteryx
Play CE52: Emails That Look Like Texts - LeanData
Play CE53: Emails That Looks Like Texts - Tipalti
Play CE54: Email That Look Like Texts - Gong.io
Play CE55: Email That Looks Like a Text - Tax Accountant
Play CE56: Asking For Advice
Play CE57: How to write killer first sentences
Play CE58: The Cold Email Copywriting Formula That Will Increase Responses
Play CE 59: 14 Low friction CTAs that increase response rates
Play CE60: Open loop cold emails
Play CE61: Out of Office Autoresponder
Play CE62: 4T Bridging Phrases
Play CE 63: Super Short Cold Email - Outreach
Play CE64: The prospect ghosted me email
Play CE65: 19 CTAs that don't ask for a meeting
Play CE66: Leveraging Customers to Write Emails (Gravy)
Play CE67: 7 killer subject lines
Play CE68: Using "Future Pacing" in CTAs to Increase Response Rates
Play CE69: Cutting the fluff
Play CE70: Killer cold email opening lines
Play CE71: Using LinkedIn Job Adverts
Play CE72: Cold Email For a Recruiter
Play CE73: Cold Email to a Football Fan
Play CE74: Cold Email Before a Conference
Play CE75: Cold Email Checklist
Play CE75: Cold Email To Early Customers
Play CE76: Finding Words That Convert (1:54)
Play CE77: Over the Shoulder Video - Writing a Good Cold Email
Play CE78: Don't Write Cold Email Copy. Find It.
Before & After Visual Cold Emails
Play VCE 0: What are visual emails & why do they matter?
Play VCE 1: The Easiest Way to Create Images for Cold Emails
Play VCE 2: Example for Alteryx
Play VCE3: Example for ConnectAndSell
Play VCE4: Example for BoomTown
Play VCE5 - The Sticky Note
Cold Email Teardowns
Play CET 1: Teardown for Telecom
Play CET 2: Teardown for a Podcast Guest
Play CET 3: Teardown for a Car Wash Bucket
Play CET 4: Teardown for a Coach
Play CET5: Teardown for a person who want to be on my podcast
Play CET6: Teardown Chris Voss
Play CET7: Teardown for Zubtitles
Play CET8: Teardown for a triathlon coach
Play CET9: Teardown for a loud neighbor
Play CET10: Teardown for a LinkedIn Pitch
Play CET11: Teardown for a service
Play CET12: Teardown for accountant
Play CET13: Teardown for content amplification agency
Play CET14: Teardown for Protalus Insoles
Play CET15: Teardown for a Tax Accountant
Play CET16: Teardown for a Triathlon Coach
Play CET17: Teardown for a Gutter Cleaning Service
Play CET18: Teardown for LeanData
Play CET19: 4T Email Examples You Can Steal
Play CET20: Teardown for Managing Negative Review Service
Play CET21: Teardown for CaptivateIQ
Play CET21: Teardown - Cutting the Fluff
Play CET22: Teardown for a Talent Service Placing Salespeople
Play CET23: Teardown for Snowflake
Play CET24: Teardown for a recruiter
Play CET25: Teardown for a social media agency
Play CET26: Teardown for Mortgage Refinancing
Play CET27: Teardown for CaptivateIQ
Play CET28: Teardown for a services based business
Play CET29: Teardown for a data provider
Play CET30: Teardown for a recruiter
Play CET31: Teardown for Third Party Logistics
Play CET32: Teardown for Rev
Play CET33: Teardown for Recruiter (Sales)
Play CET44: Armand @ Pave Wizard Email
Play CET45: Lunch bribe Email
Play CET46: Teardown for CaptivateIQ
Play CET47: Teardown for Pave
Play CET48: Teardown for Ecommerce Returns Solution
Play CET49: Teardown for an Editor
Play CET50: Teardown for Tango
Play CET52: Teardown for Munch
Play CET53: Teardown for On Screen Authority
Play CET54: Teardown for a Service (Phone Ready Leads)
Play CET55: Teardown for a Service
Play CET56: Teardown for an Accountant
Play CET57: Teardown for Warmbox.ai
Play CET58: Teardown for SDR as a Service
Play CET59: Teardown for GONG
Play CET 60- Teardown for Cockroach Labs
Play CET 61 - Teardown for a Service
Play CET 62: Teardown for Phone Ready Leads
Play CE 63: Teardown for Natural Gas (Sprague)
The Hall of Fame: Cold Outreach with Positive Responses
Play EV 1: Graham's Email
Play EV2: Tanner's Email
Play EV:3 Richard's Email
Play EV:4 Ivan's Follow Up Emails to Booked Meeting
Play EV5: Ben's Entire LinkedIn Message Thread that Got a Meeting
Play EV6: Jackie's Email that Landed a Job Interview
Play EV7: Josh's Email
Play EV8: Harry's Email
Play EV9: Chris's Email
Play EV10 Brandon's Email
Play EV10: Jam's Email
Play EV11: Kristian's Email & Video
Play EV12: Anna's Email
Play EV13: Peter's Email
Play EV14: Stephen's LinkedIn Message with Response
Play EV 15: Sam's Email
Play EV17: Brandon's Email
Play EV18: John's Email
Play EV19: Shaun's Email
Play EV20: Jake's Cold Email
Play EV21: Josh's Email
Play EV22: Madison's Email
Play EV23: Oliver's LinkedIn Connection Request
Play EV24: Oliver's Email
Play EV25: JT's Email
Play EV26: Oliver's Before & After Visual Email
Play EV27: Aaron's Email
Play EV28: James's email
Play EV29: Braun's email that landed Aetna
Play EV30: Adam's Email
Play EV31: Josh's Open Loop Email
Play EV32: Dan's Email
Play EV33: Claire's Email
Play EV34: Linda's Email - Content Amplification
Play EV35: Armand's Email
Play EV36: Theo's Email
Play EV37: Matt's Email
Play EV38: Stafano's Email
Play EV39: Gino's Email + Video Follow Up
Play EV40: Robert's Email
Play EV41: Email for a Freelancer/Copywriter
Play EV42: Killer Cold Email - Services Business
Play EV43: Peter's Email
Play EV 44: Matthew's Cold Email
Play EV 45: Rev Genius
Play EV46: Gabriel's Email
Play EV47 - Sebastian's Detach Email
Play EV48 - Jared's (Nooks) Email
Braun's Cold Emails (2008-2014)
Dish Network
Prudential (Ghosted)
ING Bank
Molson Coors
Florida Power & Light
The Initial Sales Conversation
Play DC0: The Initial Conversation Script
Play DC1: How to Improve Your Meeting Show Rate
Play DC2: Finding Problems
Play DC3: Asking for the Sale
Play DC4: How to Separate Yourself From the Competition
Play DC5: Your Product Story
Play DC6: Client Story
Play DC7: Don't Bruise the Ego
Play DC8: Testing for Commitment
Play DC9: Overcoming the Status Quo Bias
Play DC10: An Insightful Question
Play DC11: Price Anchoring
Play DC12: How to Expedite Contract Execution
Play DC13: Don't Discount. Do this Instead.
Play DC14: The Post Meeting Video Summary
Play DC15: How To Write An Effective Follow-Up Email After a Discovery Call
Play DC16: How to Reduce Meeting No Shows
Play DC17: A Big Mistake Salespeople Make WIth Inbound Leads
Play DC18: Preventing Deals From Being Stuck
Leveraging Customers for New Opportunities
Play LC1: How to Ask for Referrals
Play LC2: Interviewing Customers
Play LC3: One Question to Generate 20% More Revenue
Play LC4: How to Ask for a Testimonial Without Sounding Salesy
Play LC5: Reactivating a Past Customer
Play LC6: Asking for Video Testimonials
Play LI1: Your Headline
Play LI2: Connection Requests with 70% Acceptance Rate
Play LI3: The Most Phenomenal LinkedIn Connection Request
Play LI4: The Video Connection Request Pitch
Play LI5: Yet Another High Converting LinkedIn Connection Request
Play LI6: Nelly's LinkedIn Voice Message that Got a Sale
Play LI7: "Thanks for Connecting" Video Message
Play LI8: Example of a Connection Request with a High Accept Rate
Play LI9: How to Start Conversations with Anyone on LinkedIn
Play LI10: Educational-Based LinkedIn Connection Request
Play LI11: LinkedIn Voicemail
Play LI12: Braun's LinkedIn Messages Cadence
Play LI13: The Mere Exposure Effect
Play LI13: Aleksi's Voice Note With Positive Response
Direct Mail
Play MI1: 7 Ways to Create a Memorable First Impression
Play DM2: Direct Mail Examples
Play MI3: One Easy Way to Make Your Customers Happy
Play DM4: Dale Dupree's Red Brick
Play DM5: Send an Old Fashioned Telegram
Play DM7: The "Lumpy" Mail
Play DMI9: Emma's Letter Campaign
Play DM10: Bike Tubes
Defusing Objections
PlayDO00: Diffusing Objections Video Lecture
Play D01: How to Diffuse 34 Sales Objections Ebook
Play DO2: Preventing Objections by Making the Skeleton Dance
Play DO3: One Question that Will Help You Waste Less Time Chasing
Play DO4: Why Are You Better Than Your Competitors?
Play DO5: I Don't Have a Budget
Play DO6: Answering "What Do You Do?"
Play DO7: Diffusing "Your Price Is Too High"
Play DO8: Send Me a Proposal
Play DO9: Diffusing "Can You Send Me Some Information?"
Play DO10: "If We Find a Need, We'll Keep You in Mind."
Play D011: Role Play - "We Already Have a Vendor."
Play DO12: Prospects Ask You to Send Them Info Via Email
Play DO13: "We went with another vendor."
Play DO14: Defusing "How did you get this number?"
Play D15: We Have a Vendor (response via email)
Play DO16: "I'm not interested." (how to respond via email)
Play DO17: Diffusing, "I'm all set" Over Cold Email
Play DO18 - "Contact me next quarter." (Via Email)
Inbound Leads
Play IN1: How to Respond to an Inbound Lead
Play IN2: Inbound Cold Call Critique
Play IN3: Post Webinar Follow Up Email
Play NE1: Example of a Negotiation with a Jeweler
Play NE2: Example of a Negotiation with a Client
Play NE3: Real Contract Negotiation
Building Credibility
PLAY NU1: Top of Mind Campaign Email
Play NU2: Example Nurture Track You Can Steal
Play NU3: A Shortcut for Building Credibility
Video Prospecting
Play VP1: Example of an Email and Video that Booked a Meeting
Play VP2: Tyler Meckles Video
Play VP3: Tyler Washington's Video
Play VP4: Jason Bay's Video
Play VP5: Walking
Play VP6: Video Email For a Service
Play SQ1: Meeting Reminder Sequence
Play SQ2: No Show Sequence
Play SQ3: Prospect Ghosted You Sequence - Accusation Audit
Play SQ4: Personalized Cold Email Sequences
Play SQ5: Rippling's Cold Email Sequence
Getting a Job
Play GJ1: The Cold Email that Prompted a CEO to Give the Sender a Job
Play GJ2: Don't Send a Resume, Do This Instead
Play G23: Unconventional Cold Email to Land an Interview
The Prospecting Process
Play PP1: Overview
Play PP2: 6 Ways to Personalize Emails
Play PP3: Step 1: Creating Custom Fields
Play PP4: VIDEO Create Your Sequence
Play PP5: VIDEO WALKTHROUGH - Scaling Personalization
Play PP5: Boolean Searching for Prospect on LinkedIn (Over the Shoulder Video)
Play PP6: Example of a Personalized Sequence
Following Up
Play FU1: Chris Voss Inspired Email When a Prospect Ghosts You
Play FU2: No Response — The Apology Email
Play FU3: No Response — The Presumptive Negative
Play FU4: No Response — The Hail Mary
Play FU5: Real Cold Call — Falling on the Sword - Gaggle
Play FU6: Real Example — Surrender Email w/response
Play FU7: Real Email Exchange to Ghosted Prospect - Voss Method
Play FU8: Expressed Interest Then Disappeared
Play FU9: Cold Email Follow-Up Bumps
Play FU10: Example of a one sentence follow up + positive response
Play FU11: Ghosted Lead - Real Email + Response
Play FU12: The Post-Webinar Email
Play FU13: Ghosted Prospect Real Call
Play FU14: 8 Effective Follow Up Messages
Play FU15: Ask for Feedback Email
Play FU16: Email For When A Referral Goes Dark
Play FU17- Follow Up Using Labels
Play FU18 - When You Lose to a Competitor
Play M1: Prospect Ghosted You
Play M2: Florin's Meme
Play M3: Alex's Meme POS
Play M4: Josh's Matillion Meme
Play M5 - Video Meme
Play SS1: My Brothers's $25m Talk Track
Play SS2: Braun's 12 Rules of Selling
Play SS3: Feeling Anxious? Thought So.
Play SS4: Stories vs. Facts
A Killer Way to Ask for Referrals
Play REF1: How to Ask for a Referral Without Feeling Awkward
Internal Communication
How To Be Less Direct In a Email
Play DO6: Answering "What Do You Do?"
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Thursday Lunchtime Meditation – In Person Class
Thursday March 9, 2023 , 12:30 pm – 1:15 pm
Connect with the benefits of meditation, expanding our ability to find peace, wellbeing and fulfillment. Each Thursday lunchtime drop-in class offers the opportunity to be introduced to meditation with instruction and guidance, and for regular meditators, a separate class to deepen and explore our practice. Coming together in person and meditating with others offers a richer experience.
Venue: Melbourne Buddhist Centre/ 23 David Street/ Brunswick
All Welcome – No Booking Necessary: $10/ $8 Concession
Please note: You must be fully vaccinated and able to show evidence when attending events at the MBC.


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The Injen IS Series is a traditional, underhood intake system that is placed in the stock location of the factory air-box system. Each system is built from 6061, T-6 aluminum alloy to ensure the lightest design possible.
Every IS system is certified or pending by the California Air Resource Board and backed by Injen Technology's limited lifetime warranty.


text:
Thursday, June 10, 2010
Gobi Manchurian - Indo-Chinese Fritters
From the kitchen of One Perfect Bite...When I came across this dish, I knew it had to be tried and shared. This saucy cauliflower is both a curiosity and a contradiction. Kitchen lore insists the dish is an Indian adaption of an old Chinese recipe. While that makes for a wonderful story, cauliflower is rarely seen in China and until recently you'd be hard pressed to find it served in Manchuria or any other region of the country. It is, however, extremely popular in India where it is called Gobi Manchurian. Gobi is the Indian word for cauliflower and Manchurian is the name of a spicy Indian sauce that has Chinese overtones. The dish was developed in India by Chinese immigrants who adapted Indian foods to their way of cooking. In doing so, they created a new cuisine called Indo-Chinese. Interestingly, the dish is starting to work its way into China and you'll occasionally find it on Chinese menus in other countries. Gobi Manchurian is served as an appetizer or a side dish and it is prepared in a manner that is similar to making Japanese tempura. Florets of cauliflower are dipped into a savory batter and then quickly deep fried. Once drained, they are coated with a nicely spicy tomato sauce and warmed through for serving. This dish was an enormous hit with my family and friends, and when served hot it is absolutely delicious. It does not hold well, so be prepared to move and get it to the table as soon as it is sauced. The sauce I use is quite mild, so, if you need more heat, add it to taste. You'll love this one. Here's the recipe.
Gobi Manchurian...from the kitchen of One Perfect Bite
1 large head of cauliflower, trimmed and broken into about 20 large florets
1/3 cup cornstarch
2/3 cup all-purpose flower
1/2 to 3/4 cups water
2 teaspoons fresh ground black pepper
Salt to taste
½ cup chopped spring onions
1 tablespoon finely chopped garlic
1 tablespoon finely chopped green chillies
1 tablespoon finely chopped ginger
1 tablespoon cornstarch
1 cup water, divided use
1 tablespoon soy sauce
1 tablespoon tomato ketchup
1 tablespoon vegetable oil
Salt to taste
1) To make batter and fry: Heat enough oil to deep fry in a wok or deep fryer. While oil heats, combine cornstarch, flowe, salt and pepper in a small bowl. Add enough water to form a pancake-like batter. Dip cauliflower florets into mixture to coat with batter. Add a few florets at a time to hot oil and fry until golden brown. Remove from oil and drain on paper towel. Continue until all florets are fried.
2) To make sauce: Mix cornstarch with 1/4 cup water. Stir in soy sauce, ketchup and salt. Set aside. Heat oil in a large skillet. Add garlic, ginger, green chillies and spring onions. Stir fry for about 1 minute to soften. Add cornstarch mixture and remaining , remaing 3/4 cup water and cook until thickened. Remove pan from heat.
3) To serve: Place fried cauliflower into sauce and stir-fry over high heat to warm and coat florets. Garnish, if desired, with cilantro sprigs or scallions. Serve hot. Yield: 4 servings.
You might also enjoy these recipes:
Spring Vegetable Ragout - One Perfect Bite
Creamed Shanghai Bok Choy - One Perfect Bite
Asian Bean Spout Salad - One Perfect Bite
Sugar Snap Peas with Sesame - One Perfect Bite
Gobi Manchurian - Appetite for China
The Great Chinese Recipes Gobi Manchurian - ArticlesBase
61 comments :
- KennyT said...
Cauliflower is very popular in Hong Kong. These fritters look yum!
- June 10, 2010 at 1:00 AM
- A SPICY PERSPECTIVE said...
Wow! This is a MUST TRY recipe. I'm bookmarking this...
- June 10, 2010 at 1:11 AM
- Sushma Mallya said...
i love gobi manchurian and this one looks so tempting as well...have a lovely day mary,take care
- June 10, 2010 at 1:12 AM
- RamblingTart said...
Mary, I'm smitten already! I love cauliflower and this sauce is divine. :-) So excited to try this!
- June 10, 2010 at 1:37 AM
- Cat said...
This dish looks delicious Mary, and the sauce sounds very tasty. I'm definitely going to try it. Have a great day.
- June 10, 2010 at 1:49 AM
- Mary | Deep South Dish said...
You know me Mary, I'm all about anything deep fried LOL! And I'm a fan of cauli anyways.. love the sauce!
- June 10, 2010 at 1:49 AM
- Unknown said...
So glad you shared. Looks amazing!
- June 10, 2010 at 2:14 AM
- Allie and Pattie said...
This will definitely be a hit here as fried cauliflower is a favorite! Thank you Mary
xoxo Pattie - June 10, 2010 at 3:58 AM
- Unknown said...
delicious as usual Mary. Battered and fried is one of my favorite way to eat cauliflower. I'm very interested to try the sauce. Have a nice day. Michael
- June 10, 2010 at 4:05 AM
- Priya Suresh said...
My all time favourite, droolworthy clicks..
- June 10, 2010 at 4:52 AM
- Diane said...
I just love cauliflower so this is a definite on the must try list. Diane
- June 10, 2010 at 5:46 AM
- penny aka jeroxie said...
how interesting. a fusion of indian and chinese.
- June 10, 2010 at 6:11 AM
- Chef Dennis Littley said...
those look so very very good.....great picture too!! I'm not big on cauliflower but I think I could eat quite few of those fritters!
thanks for sharing a great recipe!! - June 10, 2010 at 6:47 AM
- Rachana said...
Gobi manchurian looks so yumm!!!!
Have a lovely day, Mary! - June 10, 2010 at 6:57 AM
- Martha said...
Very interesting recipe and I think a good one for cauliflower haters will turn them into cauliflower lovers!
- June 10, 2010 at 7:08 AM
- pam said...
I'm really drawn to that sauce! I can think of a bunch of uses for it!
- June 10, 2010 at 7:21 AM
A buddy swears that fried cauliflower in ketchup is a huge Indian street food. I'm thinking this is what he meant.
Street food ... something this country really needs to work on. I'm thinking, if we had better street food, more people would get out of their cars and walk places. - June 10, 2010 at 7:29 AM
- Deana Sidney said...
I do love cauliflower... Manchurian style is so exotic and lovely sounding... thanks Mary!
- June 10, 2010 at 7:40 AM
- Salsa Verde said...
Chinese, or Indian, the flavours must be delicious and it looks great!
Lia. - June 10, 2010 at 7:50 AM
- Adventures in Domestic Cooking said...
Oh my, these look super yummy!!
Thank you for all your lovely comments on my blog, I really appreciate it!! - June 10, 2010 at 8:31 AM
- CaSaundraLeigh said...
Wow--sounds really interesting! These would be fun as a party app too I bet.
- June 10, 2010 at 8:47 AM
- Alison Kilpatrick said...
Wow this look delicious! The only problem is I don't like deep frying at home. I tried it one many years ago and didn't have a good experience, perhaps I should give it another shot.
- June 10, 2010 at 8:51 AM
- Big Dude said...
You come up with some of the most unique dishes and they always look delicious.
- June 10, 2010 at 9:36 AM
- Joe Ambrosino said...
Great recipe Mary. I'll try it on my Guyanese Indian.We Italians love breaded and fried cauliflower as an antipasti.
- June 10, 2010 at 10:17 AM
- Monet said...
This looks great! I love cauliflower, and I eat it almost everyday. - June 10, 2010 at 10:58 AM
- Cooking with Kait said...
Mary these fritters look amazing and the sauce sounds great. Another wonderful recipe!
- June 10, 2010 at 11:01 AM
- My Little Space said...
Oo...what a coincidence! I just made some fried mushroom the other. It was so good and I'm so tempting to try it with cauliflower too! Yours look really inviting especially with that tasty sauce. yumm... Hope you're having a great day!
Blessings, Kristy
p/s going to celebrate Father's Day this weekend? Is everyone coming home? Your lovely grandson! - June 10, 2010 at 11:14 AM
- M @ Betty Crapper said...
Thank you on the origin lesson. I love that.
- June 10, 2010 at 11:21 AM
- Valerie Harrison (bellini) said...
It looks so tasty Mary, a perfect blend of spices.
- June 10, 2010 at 11:45 AM
- Joanne said...
That sauce sounds like something I could drink with a straw. I've actually never heard of this before, but I have a tendency to love anything with the word fritter in the title :P
- June 10, 2010 at 11:52 AM
- FoodontheTable said...
So interesting how this dish was created. It looks delicious!
- June 10, 2010 at 12:31 PM
- Jeannie said...
That looks good! Love the sauce and cauliflower. I eat lots of those stir fried. Should start doing some variations. Thanks for sharing, cheers!
- June 10, 2010 at 12:35 PM
- Federica Simoni said...
che fame!!!! aspettami per cena!!:)))
bravissima!!baci! - June 10, 2010 at 12:39 PM
- Nancy's Notes said...
OMG, what a fabulous recipe!! They look mouthwatering ans scrumptious! Thanks for sharing this great recipe, it's printing right now!
Nancy - June 10, 2010 at 12:42 PM
- giorno26 ¸¸.•*¨*•. said...
Hi Mary,
questo è veramente un piatto molto delizioso... in Italia usiamo farlo solo fritto senza salsa in aggiunta.
Insieme ai pezzettini di cavolfiore, ci mettiamo i fiori di zucca fritte e dei pezzettini di zucchine fritte.
Insaporite poi con qualche goccia di limone.
Buona giornata. - June 10, 2010 at 1:34 PM
- The Blonde Duck said...
Those are neat!
I don't have a cat b/c I'm allergic. Plus, all cats hate me. I have no idea why. - June 10, 2010 at 2:26 PM
- Khadija El Mary said...
This sounds so delicious and I love the look of that sauce! Have a great day Mary!
Khadija - June 10, 2010 at 2:41 PM
- Ana Powell said...
I am already hungry, awesome fritters ♥.
- June 10, 2010 at 3:26 PM
- pigpigscorner said...
This sounds really interesting! I'm usually not a huge fan of cauliflower but this looks yum!
- June 10, 2010 at 4:15 PM
- GLENDA CHILDERS said...
I have just become a follower of "One Perfect Bite." Your first recipe alone, has me hooked.
Thanks for your sweet comment today on my mom's story. - June 10, 2010 at 4:40 PM
- Jennifer said...
I am a sucker for anything fried and those sound delish. I am also loving the curried turkey and the asparagus dish. I am going to make that this weekend I have a bunch of yummy asparagus.
- June 10, 2010 at 4:48 PM
- KathyB. said...
These look and sound so good, I will have to make them.
BTW, I did make the asparagus soup and will make it again. I put a picture of it on my blog and linked it back to you. The only thing I will do different next time is strain the soup before adding the cream and asparagus tips and serving. I did have some very woody stalks though.Still , it was delicious, there is none left over! - June 10, 2010 at 5:43 PM
- Rue said...
This looks great - but I don't like cauliflower. I wonder if it would work with another veggie...mushrooms maybe?
- June 10, 2010 at 5:51 PM
- Kerstin said...
Oh wow, these look delicious and like they'd be the hit of a party! I always enjoy cauliflower!
- June 10, 2010 at 6:57 PM
- ♥ Kathy said...
Yum I love fritters!
- June 10, 2010 at 7:41 PM
- tasteofbeirut said...
These gobi-manchurian fritters have my vote! I love cauliflower fritters and usually resort to the same classic recipe that is produced in all lebanese kitchens with tahini sauce; wonderful but limited; this one sound s so flavorful and addicting!
- June 10, 2010 at 9:23 PM
- chow and chatter said...
love this had it in India
- June 10, 2010 at 9:44 PM
- Jen_from_NJ said...
I can't wait to try this recipe - so different from my usual dishes. It looks and sounds spectacular!
- June 10, 2010 at 9:54 PM
- Jaime said...
what an interesting recipe!
thank you for visiting my blog :) i do hope you'll continue to stop by when you can - June 10, 2010 at 10:50 PM
- Unknown said...
this sounds fantastically wonderful!
- June 10, 2010 at 11:20 PM
- Kim said...
This recipe sounds amazing! I imagine that it disappears rather quickly;-)
- June 11, 2010 at 12:12 AM
- Kat said...
Great recipe. I love cauliflower.
- June 11, 2010 at 12:30 AM
- Deb in Hawaii said...
Mmm...this looks amazing--I love cauliflower and the sauce sounds delicious. ;-)
- June 11, 2010 at 4:35 AM
- The Diva on a Diet said...
Oh, Mary, you have no idea how much I'm craving these fritters right now! I always order such dishes when out, but never think to make them at home. I am printing this out immediately. Thank you!
Have a wonderful weekend! - June 11, 2010 at 3:05 PM
- Unknown said...
I don't do much deep frying, but those look very tasty. I think I may have to try them.
- June 11, 2010 at 6:13 PM
- Jamie said...
Yum! Delicious! At first glance I thought these were made of pork or beef but cauliflower? Even better! They look and sound so fabulous!
- June 12, 2010 at 5:51 AM
- Amisha said...
Holy-moly! I love these.
- June 12, 2010 at 4:03 PM
- Krista said...
I really want to try these! I know that I'd just love em'. Bookmarking now. Thank you for posting this : )
- June 13, 2010 at 11:01 PM
- Kayte said...
This recipe sounds and look delicious! The next few recipes I have marked to try in the book I have involve cauliflower...I just love it. I will try this one, too. You make them look and sound irresistible!
- June 30, 2010 at 11:10 AM
- TeaLady said...
I love cauliflower so I know I will love this. Thanks for the food history lesson. I always like to know the story behind a food.
looks delicious. - July 1, 2010 at 9:54 PM
I've never tried anything like this, but it sounds delicious. Thanks for the tip to serve and eat it right away!
- July 2, 2010 at 7:48 AM


text:
Pittsburgh-04-Pitt; Pittsburgh- 4; Pittsburgh
- More details at:
- http://cdm17287.contentdm.oclc.org/cdm/ref/collection/wpamaps/id/3496
- Alternative Title:
- Pittsburgh-04-Pitt
- Description:
- Statement of responsibility: [Works Progress Administration of Pennsylvania]. Relief on most maps shown by contours and spot heights. WPA Project Numbers: 4483 -- 19666 -- 25734 -- No. 65-23-5001 -- No. 465-23-3-192. Each sheet is named and may have a letter code of A, B, C, or D following the name, corresponding to specific government contracts. These letter codes indicate a particular contract as follows: A = Contract No. 4483; B = Contract No. 65-23-5001 + No. 465-23-3-192; C = Contract No. 19666; and D = Contract No. 25734. Contract 19666 was used for mapping the oil and gas wells involved. Maps cover the time period of 1934-1936, project was intended to continue through 1938. There are ca. 1159 possible sheets. The set includes some base maps without any mine information on them. Some maps, including some base maps, show oil and gas wells and whether they are active or abandoned, in addition to coal seams. Some coal seams are mis-identified, some mines are omitted, and some mine locations are mis-mapped. Some sheets include handprinted notes indicating the source of contours used, whether from actual survey or from an existing base map, for that particular sheet. Sheet numbering is based on a system of subdividing a 15-minute quadrangle base map into 9 equivalent 2.5-minute segments; in some cases not all nine segments were used as part of the mapping done for the project. Sponsored by the Pennsylvania Bureau of Mines. Includes multiple sheets of some quadrangles to display different coal seams and/or oil and gas wells within the same region. Shaded, dotted areas represent retreat mined areas. Specific coal seams are abbreviated as follows: Brookville = Brk. -- Clarion = Clar. -- Lower Bakerstown = LB -- Lower Freeport = LF -- Lower Kittanning = LK -- Middle Kittanning = MK -- Pittsburgh = Pitt. -- Sewickley = Sew. -- Upper Freeport = UF -- Upper Kittanning = UK -- Washington = Wash. -- Waynesburg = Wayn. -- Redstone = Red. Some maps include structural contours. Some sheets/seams were mapped multiple times within the project but at different dates and/or under different projects.Add'l physical form: Some sheets also issued on mylar. Geographic coverage includes the following counties: Allegheny, Armstrong, Beaver, Bedford, Blair, Bradford, Butler, Cambria, Cameron, Centre, Clarion, Clearfield, Clinton, Elk, Fayette, Forest, Fulton, Greene, Huntingdon, Indiana, Jefferson, Lawrence, Lycoming, Mercer, Somerset, Sullivan, Tioga, Venango, Washington, Westmoreland. The following contract ran from January 1936-April 1937, Contract no. 65-23-5001. The following contract ran from November 1937 - July 1938, Contract no. 465-23-3-193. *shows locations of oil and gas wells Scale 1:14,400. 1 in. equals 1200 ft. maps : blueline prints ; 65 x 50 cm, on sheets 72 x 57 cm or smaller. First Pool No. 1; First Pool No. 2; Wick Mine; Irwin Run Mine; Becks Run Mine; Schotting No. 1; Schotting No. 3; Calhoun Mine; Ivill Mine; Reily No. 1; Lower Walton Pittsburgh Coal Co.; Irwin Run Coal Co.; Airport Coal Co.; Huch Fish; Ivill Coal Co.; Patterson-Robbins Co.
- Creator:
- United States. Works Progress Administration of Pennsylvania.
- Publisher:
- Works Progress Administration of Pennsylvania
- Provider:
- Pennsylvania State University
- Resource Class:
- Maps
- Resource Type:
- Geological maps
- Subject:
- Bituminous coal--Pennsylvania--Maps, Gas wells--Pennsylvania--Maps, and Oil wells--Pennsylvania--Maps
- Temporal Coverage:
- 1934-1938
- Date Issued:
- 1934-1938
- Spatial Coverage:
- Pennsylvania, Allegheny County;, Baldwin Township, Mifflin Towhsip, Jefferson Township, and Lower Saint Clair Township;
- Rights:
- Access Rights:
- Public
- Format:


text:
- 580 Hannah St, Houtzdale, PA 16651
Wreath for Funeral
Intercat-5CTThis wreath is packed with all the favorites from the garden. Flowers include roses, gerbera daisies and more. Appropriate for funeral.
All items featured on this site represent the types of arrangements we offer and may vary depending upon availability in certain regions. Substitution Policy


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Bridgestone Potenza RE050A Tyres Available in Nottingham
Potenza RE050A
The perfect tyre for the sporty, demanding driver in wet and dry conditions. Suitable for a wide range of models, from super sports cars such as the Enzo Ferrari, to popular models like the new Golf. It offers high performance with a good level of comfort and low noise. In certain sizes it is available as a runflat.
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Welcome to our website! As we have the ability to list over one million items on our website (our selection changes all of the time), it is not feasible for a company our size to record and playback the descriptions on every item on our website. However, if you have a disability we are here to help you. Please call our disability services phone line at 1.800.559.0122 during regular business hours and one of our kind and friendly personal shoppers will help you navigate through our website, help conduct advanced searches, help you choose the item you are looking for with the specifications you are seeking, read you the specifications of any item and consult with you about the products themselves. There is no charge for the help of this personal shopper for anyone with a disability. Finally, your personal shopper will explain our Privacy Policy and Terms of Service, and help you place an order if you so desire.
Jersey Coast Appliance in Toms River, NJ is an authorized dealer of Zephyr Products. When founder Alex Siow embraced the idea that everything in the home is an opportunity for personal expression, he began by elevating the hood to its rightful place: no longer an afterthought, the hood stands above all, as distinctive in its performance as it is in its beauty.
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September 14, 2016
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I'm A Ninja. You know, Ninja Stars, Ninja Nunchucks, all that sort of good stuff. I'm dispensing truth and justice Ninja Style.....in a very civilised and non-litigious kind of way. Unless you make the Ninja angry, then KARATE-CHOP! Fine, fine. I'm not a Ninja. I'm Brian Conroy, Trademark Agent and Solicitor in Dublin Ireland. Find me (in non Ninja form) at www.brianconroy.com
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I have been wanting to try making a pizza with a cauliflower crust ever since I came across the idea on Recipe Girl; I mean what's not to like about a cauliflower crust for a pizza? I actually got a chance to try a cauliflower crust a couple of months ago but I ran into a problem, the crust stuck so badly to the parchment paper that I could't get it off. What bits that I could get off tasted great though so I was determined to get it right! After hours of going through comments on various cauliflower pizza crust recipes the secret seems to be that you need to squeeze out as much of the liquid as possible from the cooked cauliflower before baking it. As sometimes happens this project fell through the cracks and I forgot about it until the holidays when I picked up a silicon baking mat and it practically had the cauliflower crusts name written on it. I tried the recipe again, this time squeezing out the excess liquid and using the silicon baking mat, and the crust came out beautifully and just as tasty as expected! This crust is seriously good! I could easily eat the crust all by itself as a snack or maybe with a dipping sauce not to mention all of the tasty pizza topping options!
The cauliflower pizza crust holds together really well and you can easily eat the pizza with your hands!
A healthy thin crust pizza crust!
I can't wait to make more pizzas with cauliflower crusts!
BBQ Chicken Cauliflower Crust Pizza
Cauliflower makes a surprisingly good pizza crust and it goes really well with a BBQ chicken topping!
- 1 cauliflower pizza crust (see below)
- 1 cup chicken, cooked and shredded
- 1/2 cup barbecue sauce
- 3/4 cup mozzarella, shredded
- 1/4 cup red onion, thinly sliced
- 2 tablespoons cilantro, torn
- Mix the chicken and barbecue sauce, top the pizza with the chicken, mozzarella and red onion and bake until the cheese is bubbling, about 10-15 minutes.
Cauliflower Pizza Crust
Cauliflower makes a surprisingly good pizza crust that is much healthier!
- 1 medium head cauliflower, cut into florets
- 1 egg
- 1/2 cup mozzarella, shredded
- 1/4 cup parmigiano reggiano (parmesan), grated
- 1 teaspoon oregano or italian seasoning blend
- salt and pepper to taste
- Rice the cauliflower in a food processor, place it in a microwave safe dish and microwave for 8 minutes or until cooked.
- Place the cauliflower in a tea towel and squeeze as much moisture out as you can.
- Mix the cauliflower, egg, mozzarella, parmesan, oregano, salt and pepper, press the mixture onto a baking mat or parchment paper lined baking sheet and bake in a preheated 450F/230C oven until lightly golden brown, about 15-20 minutes.
Pepperoni Pizza Cauliflower Casserole
Zucchini Pizza Crust (with Chipotle BBQ Bacon and Grilled Corn Pizza)
Thin Crust Pizza Dough
Balsamic Strawberry and Chicken Pizza with Sweet Onions and Smoked Bacon
Thai Chicken Pizza with Sweet Chili Sauce
Pizza Quesadillas (aka Pizzadillas)
Pepperoni Pizza Casserole
BBQ Ham, Bacon and Pineapple Quesadillas (aka BBQ Hawaiian Pizza Quesadillas)
Eggplant Pizzas
Grilled Corn, Roasted Poblano and Bacon Zucchini Crust Pizza
No Crust Pepperoni Pizza
Loaded Baked Potato Broccoli Crust Pizza
Crispy Tortilla Skillet Pizza
BBQ Chicken Pasta Salad
BBQ Chicken Pizza Baked Chicken


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Mortgage Glossary
Whether you are buying your first home or refinancing your house, you might hear a few new terms from your loan officer or mortgage consultant. To help you navigate the process with ease, here is a helpful glossary of mortgage terms to help you through the financing process.
Accrued Interest
Accrued interest is interest earned but not yet paid, adding to the amount owed in a loan. With a traditional (principal and interest) mortgage, the longer you pay down a mortgage the more of your payment is applied toward the principal. Mortgage interest accrues daily and is based on your loan's principal balance and mortgage rate. Provision in a mortgage that allows the lender to demand payment of the entire principal balance if a monthly payment is missed or some other default occurs.
Adjustable-Rate Mortgage (ARM)
An adjustable-rate mortgage (ARM) is a loan with interest rates that are adjusted periodically based on changes in a pre-selected index. As a result, the interest rate on your loan will rise and fall with increases and decreases in overall interest rates. If interest rates rise, you can expect to see an increase in what you pay monthly as well.
An adjustable-rate mortgage often comes with an interest rate cap, which limits the amount by which the interest rate can change; look for this feature when you consider an ARM loan. Though they do have the potential to raise your monthly payments, an adjustable-rate mortgage can make a big difference in lowering your monthly payments, too. Whether you're buying your first home or refinancing, an adjustable-rate mortgage is a popular option.
Adjusted Basis
The cost of a property plus the value of any capital expenditures for improvements to the property minus any depreciation taken.
Adjustment Interval
The adjustment period or interval is the time between changes in the interest rate or monthly payment on an adjustable rate mortgage (ARM).
Most ARMs come with adjustment periods of 1, 3, 5, or 7 years. This means your interest rate is fixed for that amount of time. After that, the interest rate can adjust up or down, depending on the market. But there is a cap on how much your rate can adjust either way.
Adjustment Period
The period elapsing between adjustment dates for an adjustable-rate mortgage (ARM).
Home affordability is an estimate as to how much a person can afford in order to purchase a home. Affordability gives the consumer a possible price that they could be approved for and also gives the amount they will be required to pay for their mortgage payment.
It is important to have an accurate idea of your affordable price range and monthly mortgage payment before you look for a home. Apply for Prosperity Home Mortgage Buyer AdvantageTM. Along with your affordability, we'll show you a variety of home loan options that fit your budget and meet your financial goals.
Mortgage amortization is the process of repayment of a loan with periodic payments of both principal and interest calculated to payoff the loan at the end of a fixed period of time. During the amortization of a mortgage, the loan balance declines by the amount of the scheduled payment, plus the amount of any extra payment. Unlike other repayment models, each repayment installment consists of both principal and interest. If you look at your loan amortization schedule, you'll typically find a greater amount of the monthly payment is applied to interest at the beginning of your loan, while more money is applied to principal at the end.
Amortization Term
The length of time required to amortize the mortgage loan expressed as a number of months. For example, 360 months is the amortization term for a 30-year fixed-rate mortgage.
Annual Percentage Rate (APR)
The Annual Percentage Rate (APR) and Annual Interest Rate are the two interest rates applied to your loan. The Actual Rate is the annual interest rate you pay on your loan (sometimes referred to as the "note rate"), and is the rate used to calculate your monthly payments. The amount of interest you pay, as determined by your Actual Rate, is only one of the costs associated with your loan; there may be others.
A home appraisal is a written analysis of the estimated value of your property. A qualified appraiser who has training, experience and insight into the marketplace prepares the home appraisal report. It demonstrates approximate fair market value based on recent sales in your neighborhood and is required to purchase or refinance your new home or property. A property appraisal like this is generally required by a lender before loan approval to ensure that the mortgage loan amount is not more than the value of the property.
Anything owned of monetary value including real property, personal property, and enforceable claims against others (including bank accounts, stocks, mutual funds, etc.).
The transfer of ownership, rights, or interests in property from one person (the assignor) to another (the assignee).
A method of selling real estate where the buyer of the property agrees to become responsible for the repayment of an existing loan on the property.
Balance Sheet
A financial statement that shows assets, liabilities, and net worth as of a specific date.
Balloon Mortgage
Balloon mortgage loans are short-term, fixed-rate loans with fixed monthly payments for a set number of years followed by one large final balloon payment for all of the remainder of the principal. Typically, the balloon payment may be due at the end of five, seven, or ten years. Borrowers with balloon mortgage loans may have the right to refinance the loan when the balloon payment is due, but the right to refinance is not guaranteed.
Although Prosperity Home Mortgage, LLC. does not offer balloon mortgage loans, we do offer several comparable options that include fixed-rates and low monthly mortgage payments, without the risk of a balloon payment at the end of the term. Ask your Mortgage Consultant.
Before-tax Income
Income before taxes are deducted.
Biweekly Payment Mortgage
A biweekly mortgage program drafts 1/2 of your total mortgage payment out of your bank account every other week. This results in 26 half payments, or 13 full payments each year. Since only 12 payments are required to be made per year, the 13th is applied directly to the principal amount due, thereby reducing the balance faster than if regular payments are made and a substantial savings in interest.
Bridge Loan
A Bridge Loan is a short term loan that gives you financing between your present financial situation and the time it takes to secure your permanent financing. In essence, it is a second trust that is secured by the borrower's present home to allow for the proceeds to be used to close on a new house prior to the sale of the present home. Prosperity Home Mortgage, LLC. does not offer bridge loans.
A person who is licensed to handle property transactions and acts as a go-between for buyers and sellers.
Buy-Down Mortgage
A buydown, is a mortgage loan with a below-market rate for a period of time, usually one to three years. A borrower may want to buy down mortgage rates because they expect their earnings to go up but want a lower payment right now.
In a mortgage buydown, buyers are essentially paying cash up-front for points, and receiving a reduced interest rate in return. Each point equals one percent of your total loan amount. For example, 2 points on a $200,000 loan will cost $4,000, or 2% of the loan amount. The more mortgage points you pay, the lower the interest rate will be. Prosperity Home Mortgage, LLC. does not currently offer buydown mortgages.
Caps (interest)
Consumer safeguards that limit the amount the interest rate on an adjustable rate mortgage can change in an adjustment interval and/or over the life of the loan. For example, if your per-period cap is 1% and your current rate is 7%, then your newly adjusted rate must fall between 6% and 8% regardless of actual changes in the index.
Caps (payment caps)
Payment caps are consumer safeguards that limit the amount monthly payments on an adjustable-rate mortgage may change. Payment caps offer borrowers protection from drastically increased payments on their mortgages; however, since payment caps don't limit the amount of interest the lender is earning, these consumer safeguards may cause negative amortization.
Certificate of Eligibility
Document issued by the Veterans Administration to qualified veterans and that verifies a veteran's eligibility for a VA guaranteed loan. Obtainable through local VA office by submitting form DD-214 (Separation Paper) and VA form 1880 (request for Certificate of Eligibility).
Certificate of Reasonable Value (CRV)
A document issued by the Department of Veterans Affairs (VA) that establishes the maximum value and loan amount for a VA mortgage.
Closing Costs
Mortgage closing costs, also known as settlement costs, are fees charged for services that must be performed to process and close your loan application. Examples of mortgage closing costs include title fees, recording fees, appraisal fee, credit report fee, pest inspection, attorney's fees, taxes, and surveying fees. The closing cost of a loan will vary depending on your geographic location.
Lenders are required by law to disclose in writing, known as a Good Faith Estimate, your estimated mortgage closing costs and fees as a buyer.
Closing Disclosure
A streamlined summary of the loan terms, projected payments and closing cost.Fomerly known as the HUD I Settlement statement.
Compound Interest
Compound interest is calculated not only on the initial principal but also on the accumulated interest of prior periods. In other words, compound interest is calculated over the total amount owed, including interest that has been added to the debt. Borrowers will often experience compounding interest during negative amortization when the principal amount of your loan actually increases because the monthly payments are lower than the full amount of interest owed. Prosperity Home Mortgage, LLC. does not offer negatively amortizing loans.
Consumer Reporting Agency
A company that regularly gathers, files and sells information to creditors to facilitate their decisions to extend credit. The agency gets data for these reports from a credit repository and from other sources.
The consummation (the settlement or closing) is the conclusion of your real estate transaction. It includes the delivery of your security instrument, signing of your legal documents and the disbursement of the funds necessary to the sale of your home or loan transaction (refinance).
Conversion Clause
A provision in some ARMs that allows you to change an ARM to a fixed-rate loan, usually after the first adjustment period. The new fixed rate will be set at current rates, and there may be a charge for the conversion feature.
Credit Report
A credit report is a detailed summary of your borrowing history. Your credit report shows previous and current credit accounts along with your payment history. Lenders buy credit reports from these agencies when you apply for a loan to determine whether they should take a risk and lend you the money.You have the right to request a free credit report if you have been denied a loan because of poor credit history. Checking your credit report is highly recommended as it allows you to check for inaccuracies and find out why your credit is poor.
Credit Score
Credit scores are based on several different factors including your credit card history, amount of outstanding debt and the type of credit you use. Negative information, such as bankruptcies or late payments, is also used to calculate your credit report score as well as collection accounts and judgments. Too little credit history and too many credit lines with the maximum amount borrowed are also included in credit-scoring models to determine your credit score.
Deed of Trust
A legal document that conveys title to real property to a third party. The third party holds title until the owner of the property has repaid the debt in full.
Failure to meet legal obligations in a contract, including failure to make payments on a loan.
Failure to make payments as agreed in the loan agreement.
This is a sum of money given to bind the sale of real estate, or a sum of money given to ensure payment or an advance of funds in the processing of a loan.
Discount Point(s)
Points are an up-front fee paid to the lender at the time that you get your loan. Each point equals one percent of your total loan amount. Points and interest rates are inherently connected: in general, the more points you pay, the lower your interest rate. However, the more points you pay, the more cash you need up front since points are paid in cash at closing.
Down Payment
The down payment is the amount of your home's purchase price you supply up front in cash to get your loan. Historically, the rule of thumb has been to strive for a down payment that's 20% of your home's value, since lenders generally do not require private mortgage insurance (PMI) with a down payment of at least 20%. New mortgage programs may allow you to avoid PMI with down payment amounts of less than 20%.
Equity is the difference between the current market value of a property and the total debt obligations against the property. On a new mortgage loan, the down payment represents the equity in your new home. There are three ways to build equity in your home: paying principal on your mortgage, making home improvements and determining if the average market value of your real estate has appreciated over time.
Mortgage escrow accounts are special accounts that a lender uses to hold a borrower's monthly payments towards property taxes, homeowner's insurance and mortgage insurance. By distributing these annual fees as components of monthly mortgage payments, you don't have to worry about getting an exorbitant bill in the mail that you can't afford. Instead, you pay a portion of the expected fee into an escrow account throughout the year and the lender disburses payment for these fees when they become due.
Fannie Mae
Fannie Mae is the official name of the Federal National Mortgage Association and is a United States Government-sponsored corporation insured by the Federal Housing Administration (FHA). Fannie Mae's role in the mortgage lending process is to buy mortgages from lenders and sell them to investors on the open market. This process is essential in replenishing the supply of lend-able money available for new home purchases. Freddie Mac is a similar corporation and is a competitor of Fannie Mae.
FHA Loan
FHA loans are loans insured by the U.S. Department of Housing and Urban Development. FHA loans are designed to make housing more affordable, particularly for first-time homebuyers. FHA loans typically permit borrowers to buy a home with a lower down payment than conventional loans or refinance with less home equity. Current FHA loan limits vary depending on home type and home location.
FICO Score
The FICO score is the most common credit-scoring model used by lenders, it is also known as a Fair Isaac score. FICO scores can range from 200 to 900. According to this model, the higher your FICO scoring, the less likely you are to default on your loan. Several factors go in to determining your FICO score, or credit score, including your payment history, amounts you owe, your length of credit history, new credit and types of credit you currently have in use.
First Mortgage
A first mortgage is the loan that is in first lien position and takes priority over all other liens. This means that in case of a foreclosure, the first mortgage loan will be repaid before any other mortgages on the property is repaid to the lender.
An additional loan taken out on the property, either at the same time as the first mortgage or several years later is a second mortgage. It is inferior to the first mortgage, usually a smaller amount of money, and in the form of a home equity loan or line of credit.
Fixed-Rate Mortgage
Fixed-rate mortgages have interest rates that don't change over the life of the loan and as a result, monthly payments for principal and interest do not fluctuate. Fixed-rate mortgages typically have 15-year or 30-year term (though they can be of any length the borrower and lender agree upon) and with a fixed-rate loan, you have the assurance of knowing that your principal and interest payment never changes.
Fully Amortized ARM
An adjustable-rate mortgage (ARM) with a monthly payment that is sufficient to amortize the remaining balance, at the interest accrual rate, over the amortization term.
Gross Income
Gross income is your total income before taxes or expenses are deducted. Gross income is used in calculating one of the two guideline ratios used to qualify you for a mortgage.
The top ratio is calculated by dividing your new total monthly mortgage payment by your gross income per month. Typically, this ratio should not exceed 28%. The bottom ratio is equal to your new total monthly mortgage payment plus your total monthly debt divided by your gross income per month. Typically, this ratio should not exceed 36%
Home Equity Line of Credit (HELOC)
A home equity line of credit is a credit line that is kept open and restored as you pay off what is owed. A home equity line of credit also has a high credit limit similar to a credit card that you are allowed to draw upon as needed. FM Lending does not offer home equity lines of credit or home equity loans.
Housing Expense Ratio
The housing expense ratio or housing expense to income ratio, a method used in qualifying borrowers, is the percentage of gross monthly income devoted to housing expenses. There is a top ratio and bottom ratio in configuring what a buyer can afford in housing expenses. The top ratio is calculated by dividing your new total monthly mortgage payment by your gross income per month. Typically, this ratio should not exceed 28%. The bottom ratio is equal to your new total monthly mortgage payment plus your total monthly debt divided by your gross income per month. Typically, this ratio should not exceed 36%.
The mortgage rate index affects the interest rate changes in an adjustable-rate mortgage. Most lenders generally tie the interest rates in an ARM to widely published rates such as LIBOR, T-Bill, or 11th District Cost of Funds (COFI). Lenders use these indices to establish the interest rates charged on mortgage loans. For ARMs, a predetermined margin is added to the index to compute the interest rate adjustment.
An ARM with rates tied to a mortgage rate index, will rise and fall with increases and decreases of that index, and as a result, borrowers will see the effects in their monthly payment. When mortgage loans have an interest rate that is adjustable, the lender must specify how their interest rate changes. The LIBOR index is a daily reference rate based on short-term interest rates charged among banks in a foreign money market.
Initial Interest Rate
The initial interest rate is the rate charged during the first interval of an ARM loan. Initial interest rates are generally subject to caps and can only vary to a degree. Initial interest rate caps are put in place to protect the consumer from payment shock and protect the lender from rates that drop too low.
Insured Mortgage
A mortgage that is protected by the Federal Housing Administration (FHA) or by private mortgage insurance (MI) in case you default on your loan.
The fee a lender charges for permitting the borrower to use their money for a specific length of time.
Interest Rate
A basic mortgage payment is made up of principal and interest. The principal is how much money you borrow from the lender. The interest rate is the cost the lender charges you, the borrower, for borrowing that money, which is secured by a property. The amount of interest you owe the lender depends on the interest rate and the loan amount – the lower the interest rate, the less interest you owe.
Interest Rate Ceiling
This is the highest interest rate that you can receive under an adjustable-rate mortgage.
Interest Rate Floor
The interest rate floor is the lowest interest rate that you can receive under an adjustable-rate mortgage.
Late Charge
Penalty paid by a borrower when a payment is made after the grace period.
Lifetime Payment Cap
Consumer safeguard that limits the amount the interest rate on an adjustable rate mortgage loan (ARM) can change over the life of the loan. See Caps.
Liquid Asset
A cash asset or an asset that is easily converted into cash.
A sum of borrowed money (principal) that is generally repaid with interest.
Loan Estimate
The Good Faith Estimate (GFE) and Truth in Lending (TIL) disclosure -- formerly provided when you applied for a home loan -- have been replaced by the Loan Estimate. The consolidated Loan Estimate clearly outlines the terms and features of your loan, as well as what can and can't be change.
Loan Origination Fee
Fee charged by a lender to cover administrative costs of processing a loan.
Loan-to-Value Ratio (LTV)
The loan-to-value ratio is the percentage of the loan amount to the appraised value (or the sales price, whichever is less) of the property. The loan-to-value ratio and down payment are different ways of expressing the same set of facts. The loan-to-value ratio is calculated by taking the amount to be borrowed divided by the value of the home. The loan to value ratio is used to qualify borrowers for a mortgage, and the higher the LTV, the tighter the qualification guidelines for certain mortgage programs become. Low loan-to-value ratios are considered below 80%, and carry lower rates since borrowers are lower risk. Lenders are more likely to consider people with poor credit and financial history who have a low LTV.
Lock or Lock-In Period
A mortgage lock period is a set period of time that a lender will guarantee an interest rate. This lock-in protects you against market increases during that period of time. A lock period is typically a short window of time during which you must close on your loan, likely between 15 and 60 days.
Most lenders will lock your interest rate after you complete your mortgage application. That way, the plan you reviewed with your banker will be the same as the papers you sign at closing.
A mortgage margin is the percentage difference between the index for a particular loan and the interest rate charged. It is a number predetermined by the lender, a fixed percentage point that is added to the index to compute the interest rate. A lender's margin remains fixed for the entire term of the loan. Your lending company is required by law to disclose the index to which your loan is tied, the margin they will tack on to your rate as well as any rate or payment caps that apply.
Maturity is the date in which the principal loan balance is due. At the point when your mortgage has reached maturity, your interest and principal is paid for in its entirety. Most loans are processed under the assumption that you will keep it to the date on which the principal balance of a loan becomes due and payable.
Monthly Mortgage Payment
A monthly mortgage payment typically contains four parts called the PITI (principal, interest, taxes, and insurance). If your lender does not handle your taxes and insurance or you make these payments separately, then your monthly mortgage payment consists of only principal and interest.
A mortgage is the actual legal document by which real property is pledged as security for the repayment of a loan, but generally speaking the word "mortgage" encompasses several different loan options for purchasing or refinancing a home or tapping in to your home's equity.
Mortgage Banker
A Mortgage Banker is an individual or lending company that originates and/or services mortgage loans. Your Mortgage Banker will explain all the key features and benefits to each of our different mortgages, and ultimately help to determine which one best suits your financial goals. A company that originates mortgages exclusively for resale in the secondary mortgage market.
Mortgage Broker
A mortgage broker is an individual or company that arranges financing for borrowers. The mortgage broker matches lenders with borrowers who meet the lenders criteria. The mortgage broker does not fund the loan but they do receive a payment from the lender for their services.
Mortgage brokers can be helpful in finding a good loan, but you will pay more in both fees and interest rates when you utilize this service. You'll often hear that a mortgage broker is your only option when you have bad credit, are self-employed or possess other financially complicating factors that could make getting a loan difficult. This is not true.
Mortgage Insurance
Private mortgage insurance, or PMI, is insurance that protects lenders if you default on your loan. With conventional loans, mortgage insurance is generally required if you do not make a down payment of at least 20% of the home's appraised value. (Note, however, that FHA and VA loans have different insurance guidelines.)
Mortgage insurance payments are generally included in your monthly mortgage payment and may be tax-deductible (please check with your tax advisor).
Mortgage Insurance Premium (MIP)
The amount paid by a mortgagor for mortgage insurance.
The borrower in a mortgage loan transaction.
Negative Amortization
A loan payment schedule in which the outstanding principal balance of a loan goes up rather than down because the payments do not cover the full amount of interest due. The monthly shortfall in payment is added to the unpaid principal balance of the loan. Prosperity Home Mortgage, LLC. does not offer negative amortization loans.
Legal document obligating a borrower to repay a loan at a stated interest rate during a specified period of time. The agreement is secured by a mortgage or deed of trust or other security instrument.
Origination Fee
A loan origination fee (also referred to as points) is a fee that is charged by a lender to cover the administrative costs of processing a loan. The origination fee is used in the calculation of the annual percentage rate, varying from 0.5% to 2% of the loan amount. For example, an origination fee of 2% on a $200,000 loan is $4,000. Whenever a transaction as heavily documented as a mortgage is arranged, there are inevitably costs and fees associated with ensuring the paperwork is processed correctly. All mortgage lenders are required by law to present a good faith estimate that includes origination and lender fees and closing cost information so the borrower are prepared for the expense.
Owner Financing
A property purchase transaction in which the party selling the property provides all or part of the financing.
Payment Change Date
The date when a new monthly payment amount takes effect on an adjustable-rate mortgage (ARM). Generally, the payment change date occurs in the month immediately after the adjustment date.
Periodic Payment Cap
A limit on the amount that payments can increase or decrease during any one adjustment period.
Periodic Rate Cap
A limit on the amount that the interest rate can increase or decrease during any one adjustment period, regardless of how high or low the index might be.
PITI and PITI Reserves
PITI is the abbreviation for Principal, Interest, Taxes and Insurance, the components of a monthly mortgage payment. Payments of principal and interest go directly towards repaying the loan while the portion of the PITI payment that covers taxes and insurance (homeowner's and mortgage, if applicable) go into an escrow account to cover the fees when they are due.
Borrowers are advised when purchasing a new home to maintain a PITI reserve, which is a specific amount of cash you will want to have on hand after making a down payment and paying all closing costs.
A point is equal to one percent of the principal amount of your mortgage. For example, if you get a mortgage for $165,000 one point means $1,650 to the lender.Points usually are collected at closing and may be paid by the borrower or the home seller, or may be split between them.
Prepayment Penalty
Mortgage prepayment is full or partial repayment of the principal before the contractual due date. Borrowers will often take advantage of loan prepayment to save on interest in the long run; the most popular form of prepayment is through refinancing to lock in a lower interest rate. Some lenders will attach prepayment penalties to loans in exchange for a lower interest rate to discourage borrowers from refinancing. Prosperity Home Mortgage, LLC. does not have products with this feature.
The process of determining how much money you will be eligible to borrow before you apply for a loan.
Prime Rate
Prime rate, also called "prime", is the prime interest rate that commercial banks charge their best or most credit-worthy clients, which are usually prominent and stable business clients who aren't very likely to default on a loan.
The likelihood or risk of default is mainly what determines the interest rate a bank will charge a borrower. The prime rate is not the same as the loan rate that's charged on personal property loans; however, the prime lending rate is often used in calculating mortgages and other variable rate loans. Mortgage rates and consumer loans are generally higher than the prime interest rates because an individual borrower is more likely to default on a loan than a stable business borrower, such as a large corporation.
Principal (Principal Balance)
A loan's balance still owed to the lender or the loan amount borrowed from the lender, excluding interest.
Private Mortgage Insurance (PMI)
Private mortgage insurance, or PMI, is insurance that protects the lender in case you default on your loan. With conventional loans, mortgage insurance is generally not required if you make a down payment of at least 20% of the home's purchase price. (Note, however, that FHA and VA loans have different insurance guidelines.) Private mortgage insurance is generally included in your monthly mortgage payment and may be tax-deductible (please check with your tax advisor).
Qualifying Ratios
Mortgage qualifying ratios compare your gross income to your housing expenses and non-housing expenses to determine how much you can afford to borrow. Lenders use your qualifying ratio for the loan approval process.
The Federal Housing Administration usually requires your monthly mortgage payment to be no more than 29 percent of your monthly gross income (before taxes) and the mortgage payment combined with non-housing debts should not exceed 41 percent of your income.
Rate Lock
A Protection of the borrowers rate just in case rates rise during the time a borrower applies for the loan and the time the loan closes.Real Estate Agent
A person with 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 or accredited Realtors®. A real estate agent who is a member of the National Association of Realtors can call themselves a Realtor®.
Real Estate Settlement Procedures Act (RESPA)
The Real Estate Settlement Procedures Act (RESPA) is a federal law that gives consumers the right to review information about loan settlement costs after you apply for a loan and again at loan settlement. RESPA guidelines oblige lenders to provide these disclosures at various times in the transaction. As part of RESPA regulations, this procedure helps to outlaw kickbacks that increase the cost of settlement services for consumers.
A recording fee is money that is paid to a government agent for entering the sale of a property into the public records.
Since buying and selling real estate is heavily documented, there are inevitably added costs and fees for preparation, recording and filing that must take place in order to make the transaction legal. In addition to the mortgage recording fee, there are other fees to be prepared for at closing like attorney's fees, underwriting and more.
The lender is required by law to disclose recording fees as well as any other closing costs or fees in writing before closing. This document is known as a Good Faith Estimate, created to prepare borrowers for the cost expected of them at closing.
Mortgage refinancing is the process of paying off one loan with the proceeds from a new loan secured by the same property. Mortgage refinancing is usually done to secure better loan terms than your current loan, like a lower interest rate or lower monthly payment.
As interest rates rise, homeowners with adjustable-rate mortgages may consider refinancing a mortgage to lock-in a fixed rate and prevent increases in your monthly payment. Mortgage refinancing can also help you gain more flexibility in your budget or lower your monthly payments and open up funds for other necessities like paying off high-interest debt or making home improvements.
High-interest debt from credit cards or auto loans can be consolidated with your current mortgage into one low payment each month. Home refinancing can also be used as an alternative to a home equity loan or line of credit to access cash when you need it, known as a cashout refinance loan. Paying off one loan with the proceeds from a new loan using the same property as security.
This refers to the address of the property being pledged as security for your loan.
A mortgage servicer is the party that homeowners pay their mortgage payments to each month. The mortgage servicer, or loan servicer, is in charge of processing the mortgage payment and crediting the borrower's loan account. In addition, servicers oftentimes maintain a borrower's escrow account. In these instances, loan servicers ensure that payment for the homeowner's property taxes and insurance fees are disbursed when they become due.
Third-party Fees
Fees paid to a third party for services requested by the lender on your behalf.
Total Payments
This is the total amount you will have paid over the life of the loan for principal, interest and prepaid finance charges, assuming you keep the loan to maturity and made only the required monthly payments.
Acronym for TILA (Truth-in-Lending Act) RESPA (Real Estate Settlement Procedures Act) Integrated Disclosures. The Good Faith Estimate and initial Truth-in-Lending disclosure have been combined into a new form called the Loan Estimate. The HUD 1 Settlement Statement and the final Truth-in-Lending disclosure statement have been combined into another new form called the Closing disclosure.
Truth-in-Lending Act
The Federal Truth-in-Lending Act (TILA) is a law requiring written disclosure of the terms of a mortgage (including the APR and other charges) by a lender to a borrower after application. The Truth-in-Lending Act is designed to protect consumers and to ensure clear disclosure of key terms of the loan as well as any costs or fees involved. The Truth-in-Lending Act also requires the right of rescission period.
Commercial loan underwriting is the process of determining the risks involved in a particular loan and establishing suitable terms and conditions for the loan. Mortgage underwriting includes a review of the potential borrower's credit and employment history, financial statements and a judgment of the quality of the property. The person who completes the underwriting services is called an underwriter. The process of evaluating a loan application to determine the risk involved for the lender. Underwriting involves an analysis of the borrower's creditworthiness and the quality of the property itself.
VA Loans
Also known as a government mortgage. A VA Loan (also known as a Veterans Affairs Loan) is a mortgage loan guaranteed by the U.S. Department of Veterans Affairs. The VA home loan was created to make housing affordable for eligible U.S. veterans and members of the military. VA home loans are available to veterans, reservists, active-duty military personnel, and surviving spouses of veterans with 100% entitlement. Eligible veterans may be able to buy a home with no down payment, refinance up to 100% of the home's value and pay no private mortgage insurance.


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The Kinetic Rascal is a classic fluttering spoon. Works great for rainbow trout, lake trout, perch, pike, zander and salmon. Perfectly balanced with an enticing wobble action. A very versatile mix with well proven classic colours.
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Late or Missing Refunds
If you haven't received a refund yet, please check your bank account. It may take some time before your refund is officially posted. If the delay persists, contact your credit card company or bank, as there may be processing time involved. If you still haven't received your refund, please reach out to us at firstname.lastname@example.com.
We only replace items if they are defective or damaged. If you need to exchange it for the same item, please send us an email at email@example.com and mail your item to Duo Hook, Unit 2, 1 North Strand, Drogheda, Louth, A92 HR62, Ireland.
Gift Returns
If the item was marked as a gift when purchased and shipped directly to you, you'll receive a gift credit for the value of your return. Once the returned item is received, a gift certificate will be mailed to you. If the item wasn't marked as a gift when purchased, the refund will be issued to the original payment method used for the purchase.
Shipping Costs
To return your product, please mail it to Duo Hook, Unit 2, 1 North Strand, Drogheda, Louth, A92 HR62, Ireland. You are responsible for paying your own shipping costs for returning the item. Shipping costs are non-refundable, and if you receive a refund, the cost of return shipping will be deducted from your refund.
Depending on your location, the time it takes for the exchanged product to reach you may vary. If you are returning an item valued over €75, we recommend using a trackable shipping service or purchasing shipping insurance, as we cannot guarantee the receipt of your returned item.
Perfect casters pleased with them.....thank you...
Very realistic, lovely bait
Great service, arrived within a couple of days
Worked wonders in Donegal bay. 3 of us in the bay (on a boat) over 100 LARGE Pollock landed Freezers now full of fish for the year
Recommended to all
Worms received are very good quality...many thanks!!
Very good as always
100 % recommended
super , condition perfect and fast delivery .
Haven't used yet
Savage Gear Rotex Spinner #2 5.5g 02-Copper 42119
Great addition to my feeder fishing.
Great online service and delivery Select is great product,catch many perch with 2" uran thanks
Shamrock Mackerel Bashers Rig SHAM30104


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Swiss clubs provide opportunities to exchange views with other people. At events connected with Switzerland (e.g. the national day on 1 August) it is possible to meet some of your fellow Swiss neighbours. Such meetings are a good opportunity to share experiences in the country of posting and learn useful information.
Contact the clubs directly to find out about membership and their current programme.


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Home » Jazz Pictures
Ulrich Wangenheim Images
All About Jazz has amassed over 230,000 jazz photos, illustrations and paintings courtesy of our member community which includes professional photographers. You can find more jazz photos by searching our website—we also maintain a list of featured, most viewed and most liked photos. Looking for more jazz photography? Follow our In Pictures column or upload your jazz-related images.
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