text:
A document that you need to sign and send back to the Lender if you wish to accept the
lender's mortgage offer.
Additional Security Fee
An up-front, one-off fee paid to the lender to protect them against the borrower defaulting on
the loan. Usually charged on mortgages over 75% of the house value. Also known as MIG,
Indemnity Guarantee Premium and Mortgage Indemnity Premium.
The amount of money that your lender agrees to lend you.
Adverse Credit
Just as it sounds, it is a term used to refer to people with a poor credit history. This may
include but is not limited to, things such as county court judgments (CCJ's), bankruptcy,
mortgage arrears, Individual Voluntary Agreements (IVA's) and credit card or other borrowing
arrears or defaults. (Can also be referred to as Non- Conforming).
This is normally a person/company, organisation that has been appointed and who acts on
behalf of a landlord, such as a letting agent, management agent or estate agent.
Agricultural Covenant
This is a very speciOic planning condition that allows the building of a residential dwelling on
the condition that it is occupied by a person employed or associated with working the land in
This is how you are normally referred to by an estate agent/auctioneer when you are the
potential buyer of a property.
This is what is done, usually by an estate agent, when you are selling your property to
determine what they think the correct current value of it is. They will come in and appraise
your property.
Annual Percentage Rate. The amount of interest you will pay on your loan.
Arrangement Fee
Sometimes you might need to pay this fee to lenders for arranging a loan for you.
Assignable Contract
This is when an exchange contract allows you to sell on a property before the completion date.
This is when the ownership of a property is transferred from one person to another.
AST stands for "Assured Shorthold Tenancy" if basically gives a landlord the right to reclaim
their property back after a speciOied period of time. At the moment AST's tend to be for about
6 months.
This is a means of buying a property in a quick and open way. In an auction house, exchange is
seen as having happened when the auctioneers hammer comes down for the Oinal time for the
winning bid.
OfOicial who repossess your possessions or house if you cannot keep up on your mortgage/
loan repayments.
Bank Automated Clearing System (BACS)
A type of funds transfer that is normally electronically done it is normally free of charge.
Bankers Draft
Different to a cheque in that the money has already been debit straight from your account,
therefore the person receiving the bankers draft is conOident the money will come to them,
whereas with a cheque there is no guarantee there will be any money until it has been cleared.
There is normally an administration fee to obtain a bankers draft, as well as you having to give
a notice period, normally of at least 24 hours.
A place to go for Mortgages & Loans.
Base Rate
This rate is set by the Bank of England and is used as a benchmark for lenders to set interest
rates by. It represents the lowest rate of interest a bank will charge you when it lends you
money. This rate is reviewed periodically thorough out the year and can go up as well as down.
Below Market Value (BMV)
This is what is referred to as buying property under what is deemed to be the current value of
the property.
BeneLicial Owner
This is the person owning land and who is therefore entitled to it for his/her own beneOit. This
is different from say a trust etc that may hold land for the beneOit of someone else.
Block Management
This refers to the agents that manage/act on behalf of the freeholds and leaseholds, normally
for a block of Olats or apartments. The will usually arrange things like, the insurance, tending
the garden, general cleaning and re- decoration.
Booking Fee
Another term meaning arrangement fee.
Break Clause/Release Clause
These are sometimes used in conjunction with Oixed term tenancies. For example: in an AST
after the Oirst 6 months is over when it comes to renewal, either party (landlord or tenant),
will often request that a break/release clause be entered into the agreement, if they are
unsure whether they will want to continue renting the property for the duration of the next 6
months. This clause will normally allow either party to get out (normally with about 2 months'
notice) before the end of the new term.
Bridging Loan
An expensive temporary loan to tide you over when having to buy your new house before
selling your old home.
This is a person that advises on mortgages etc. Known as a mortgage broker.
Building Insurance
This is a type of insurance that is required to cover against the structure of your property
being damaged or destroyed. The sum that is insured covers the estimated cost of rebuilding
the property. (keep in mind this can vary greatly from the market value of the property.)
Building Society
Another place to go for Mortgages & Loans
Buy to Let (BTL)
This is a speciOic mortgage that allows you to buy a property with the main aim being to Oind
tenants and let it out. The income from renting the property out is taken into consideration by
the lender.
The total amount – sometime referring to sum borrowed in a mortgage – sometimes the
amount you have left in a property after the mortgage has been repaid.
Capital and Interest Mortgages
With a capital and interest mortgage the monthly mortgage payments pay off both the initial
loan (i.e. cost of the property) and any interest that has been charged. Therefore, at the end of
the loan term, the entire debt will be repaid with nothing outstanding. (also know as a
repayment mortgage).
Capital Rest Period
This is to do with the regularity with which the Lender calculates the outstanding balance on
any give mortgage and hence the size of the monthly repayments. This Oigure is normally
calculated annually, monthly or daily.
Capped Rate
This is a rate of interest that you agree to with your lender that will be the maximum you will
pay during a set period of time. This is period of time is often the Oirst 1-3 years of the
mortgage starting, but it can be for longer. The interest rate cannot go any higher than this
capped rate during this speciOied period of time.
Cash Back Mortgage
See Cash Back on completion.
Cash Back on Completion
This is where you get a lump of cash from the mortgage lender on the completion of a sale.
Cash on Cash Return
This is the same as Return on investment.
These are entries that are on a land register to protect the interest of a third part.
This occurs when the seller needs the sale of their house to occur before they can complete
the purchase of another property. The same situation may exist for others in the chain. As a
result, the whole chain can collapse if one link breaks.
Chain Free
This is simply when a potential buyer does not need to sell a property in order to buy a new
one hence they are "chain free". First time buyers are often chain free.
The term attached to a property by the lender to give security against the asset. It means that
they have a right to the property value should it come to a sale.
Charge CertiLicate
This is a certiOicate issued to the lender by the Land Registry that gives evidence of the
lender's charge over the property.
Chief Rent
This is a payment made on freehold land to the original freeholder forever. This differs from
ground rent because ground rent normally has a limited period.
The property is what is classed as collateral. It is seen as a guarantee that you will be able to
pay the lender the loan. If you aren't able to repay this loan the property could be sold by the
lender in order to recoup the money they originally lent you.
Company Let
This is when you have let your property to a speciOic bona Oide company.
This is the Oinal stage of the buying process. The ownership is legally transferred from the
seller to the buyer.
Compulsory Purchase Order
(CPO'S) are normally issued by local authorities and they enable an authority to purchase a
property whether the seller wishes to sell or not.
Contents Insurance
Insurance to cover any loss or damage to your possessions.
Contract Race
This is what sometimes happens when two potential buyers want to buy the same property.
The seller will normally be the one to instigate the contract race but it can also be instigated
by a buyer. The winner of the race will be the Oirst buyer to be in a position to exchange
The legal documents needed to transfer the ownership of property they are signed by both the
seller and the purchaser.
This is a Olexible term in property and can mean such things as a house that has been
converted into Olats or a loft converted into a bedroom, as well as other things.
Legal work involved in buying and selling a house.
County Court Judgement (CCJ)
You can get a CCJ if you default on a payment of debt. If you do get a judgment against you may
have difOiculty in getting credit in the future.
The covenants are the terms of any given tenancy agreement. They include any obligations or
promises made by either the Landlord or the tenant. They are requirements by law on the
owner of a property that they will either do or not do something with their property.
Credit Search References
These are references taken regarding a potential tenant. These references can be from sources
such as the tenant's employer. A check of the tenant's credit history is also often carried out.
Current Account Mortgage
This type of mortgage is a Olexible mortgage that can keep all your Oinances in one place. It
combines your mortgage with a current account and the money in the current account can be
automatically set against the mortgage balance and then interest only charged on the
outstanding amount of the loan. In practice this should mean that interest payments should be
These are the legal documents associated with a property.
Decision in Principle (DIP)
'Mortgage Promise' or an Agreement in Principle' (AIP), a mortgage in principle is a certiOicate
or statement from a lender to say that in principle they would lend a certain amount to a
particular prospective borrower or borrowers based on some basic information.
This is when you have failed to make payments as you have agreed to. In property terms this is
normally used when talking about missed payments on your mortgage.
Delayed Completion
Completion is classed as delayed if they take over 28 days to complete after exchange of
contracts a delayed completion needs to be agreed before exchange of contracts.
This is normally a lump sum paid to the seller towards the overall cost of the property it is
normally held by solicitors until completion of contracts.
Direct Debits
Direct debits are used to make payment directly from a bank account. Direct debits are used
usually used when the amount being paid might vary otherwise Standing Orders are used.
Direct Lenders
A new form of mortgage lender who deals solely over the telephone.
Expenses paid by the solicitor on behalf of the purchaser.
Discounted Rate
A Discounted rate mortgage will have an interest rate lower than the lender's Standard
Variable Rate.
Discounted Tracker Rate Mortgage
This is a variable rate mortgage that is discounted from the Bank of England's base rate. It is
usually discounted by a set percentage for a set period of time. In practice there are usually
early repayment charges that will be charged if the loan is repaid within the discounted
Double Agent
An agent who is acting on behalf of both the buyer and the seller in practice this is a term
sometimes used for an Estate Agent who reveals the seller's lowest asking price to the buyer
in order to make a quick sale. An agent should be acting on behalf of only their client who is
generally the seller.
Early Repayment Penalty (ERP) / Early Redemption Charge (ERC)
This is a fee that is sometimes charged if you pay off all or part of your mortgage before a preagreed
Endowment Mortgage
Type of mortgage where monthly payments are made into a endowment (life assurance)
policy. The loan is paid off in one lump sum at the end of the loan period.
Energy Performance CertiLicate (EPC)
This certiOicate is part home information pack and gives you information as to how energy
efOicient your home is in a similar way to the stickers you see on fridges.
This is the Oinal and formal version of a document that has been prepared by a solicitor in
preparation for signing following the agreement of the Oinal draft between parties.
Equitable Interest
This is when someone has some legal rights to a property but these rights do not include the
right to sell its legal title.
This is the difference between the market value of a property and the amount of the mortgage
that is still owed to the lender on that property.
Estate Agent
Property agents who link up buyers and sellers. Estate Agents advertise houses & arrange
The initial sum you have to pay on an insurance claim.
Exchange of Contracts
The point at which buyer and seller are legally bound to the sale and purchase of the property.
Exclusive Mortgage
This mortgage is called an exclusive mortgage because it is only available through a speciOic
packager in conjunction with the Lender who is going to provide the funding.
This is when a deed is signed, sealed and delivered in front of an independent witness.
Execution Only
This is a service with no advice, just carried out the orders of a customer.
Failed Valuation Survey
When the lender turns down your mortgage application after reading the surveyor's valuation
Fixed Rate Mortgage
This is a mortgage which has a 'Oixed' rate of interest for a set period of time normally between
1-5 years.
Fixtures and Fittings
Any items not included or included in the sale of the property. For instance, curtains, carpets,
wall lights, cooker etc. These are generally agreed on a document sent by the seller's solicitor
to the seller to complete, this document is then passed over to the buyer's solicitor for the
buyer to read.
Flexible Mortgage
These are mortgages that allow you to pay them off in a Olexible way, one example of this are
mortgages that allow you to make overpayments so that you can pay off your mortgage early.
Flying Freehold
A Olying freehold is formed when part of a freehold property overlaps onto a different freehold
property or land.
This is when you have complete ownership of a piece of land and the property that resides on
Full Status
This describes a borrower who has a good credit history and who is not self-certifying his
Gas Safety Regulations
A landlord must make sure that a gas safety check is carried out prior to letting out any
property. Then it needs to be completed annually and a copy of the record must be given to the
tenant. This check must be carried out by an authorised CORGI register engineer.
Gazumping is when a vendor accepts an offer from one person only to later reject it in favour
of a higher offer they receive from someone else.
This is a term used when a buyer reduces his offer moment before exchange.
This is the amount of money you have against the amount of a loan. You can be 'highly geared'
which is owning very little of a property with a very big loan or 'lowly geared' which is when
you have very little debt against an asset. Also see 'negative gearing'.
Gifted Deposit
This means that someone has gifted you the deposit on a property. This would normally have
been a developer on a new build property you are buying. In practice it is an incentive to
encourage you to buy the property as is similar to 'cashback' on a mortgage. Don't be too
fooled there is after all no such thing as a free lunch.
Ground Rent
Ground rent only applies to leasehold properties and is a sum paid annually to the Freeholder
of the property, by the leaseholder. There are normally service charges also attached.
This is a person who agrees to guarantee that they will repay a loan or debt if you default on
the payment of it. A typical example of this is when a parent guarantees the mortgage will be
paid on their son/daughter's Oirst property purchase.
High Rent Tenancy
This indicates a tenancy agreement when the annual rent on a property is over £25,000 and is
known as a contractual tenancy.
Higher Lending charge
See Additional Security Fee
House in Multiple Occupation – bedsits come under this category. They are the subject to more
rules and regulations than the average property
Home Information Pack (HIP)
This is also known as a seller pack and have been legally required on all properties that are
sold in on the open market since Dec 14th 2007. You have to have one as you cannot sell most
properties without one so whether you question their value as most do or not its best to get
one in plenty of time.
Home Report (HR)
Property for sale in Scotland have to be marketed with a Home Report. This is a pack of three
documents; a Single Survey, an Energy Report (EPC) and a Property Questionnaire
The Single Survey contains an assessment by a surveyor of the condition of the home, a
valuation and an accessibility audit for people with particular needs.
The Energy Report contains an assessment by a surveyor of the energy efOiciency of the home
and its environmental impact. It also recommends ways to improve its energy efOiciency.
The Property Questionnaire is completed by the seller of the home. It contains extra
information about the home, such as Council Tax banding and factoring costs that will be
useful to buyers.
The Home Report is made available on request to prospective buyers. There is no legal
requirement to update the Home Report provided the house remains on the market.
IFA stands for "Independent Financial Adviser "and means someone that has undergone
speciOic training and has obtained speciOic qualiOications to give Oinancial advice and to act
independently without being tied to only recommending the products of any particular lender.
Improvement Grant
This is a grant given by the local authority towards the repair of the improvement of a
Income Multiples
These are the multiples that the Lender will apply to the borrower's income when trying to
decide what the maximum they will lend them for their mortgage is. It is worked out based on
what you are likely to be able to afford. Traditionally you could borrow 3.5 times your salary
but in headier times 5 or even 6 times a salary was available.
An up-front, one-off fee paid to the lender to protect them against the borrower defaulting on
the loan. Usually charged on mortgages over 75% of the house value. Also known as MIG,
Indemnity Guarantee Premium and Mortgage Indemnity Premium.
Indemnity Guarantee Premium
An up-front, one-off fee paid to the lender to protect them against the borrower defaulting on
the loan. Usually charged on mortgages over 75% of the house value. Also known as MIG and
Mortgage Indemnity Premium.
Individual Savings Account (ISA)
They are a way for people to save cash or shares without paying tax. They are also seen as a
savings vehicle associated with interest only mortgages so you can repay the loan amount at
the end of the term.
Inheritance Tax
Also known as Death Duties it is a tax on everything you own when you die. It is a good idea to
properly consider inheritance tax with a Oinancial advisor especially if you have dependents.
This is when you given an estate agent or auctioneer the right to sell your property. The
resulting agreement between you and them conOirms the terms under which the "instruction"
is offered by you and accepted by the estate agent or auctioneer.
Interest only Mortgages
This is when you are only paying off the Interest on the mortgage over the term of the loan.
You are not actually paying any of the mortgage amount itself. For this reason, Interest only
mortgages are often tied in with some other type of investment vehicle which is set up to
cover the initial loan amount at the end of the mortgage term. This investment vehicle
includes things like, ISA's endowment policies and personal pensions.
This is where your assets sit if you have not made a will before you die whilst it is decided who
Introducer Fee
This is just as it sounds and is a commission that is paid by the Lender to intermediaries for
introducing business to them. At the time of writing, if this intermediary receives a payment of
more than £250 they are then obliged under the Mortgage Code to disclose to the borrower
the exact amount they received. (This is also sometimes referred to as a Procuration Fee).
This is a listing of the contents of any given property. This can include things like kitchen
utensils and garden equipment etc. As well as the condition a property is in and the structural
Oixtures, Oittings and power points etc. It is generally associated with rental properties let on
an AST.
Joint Tenants
This is when two or more people are co-owners of a property. When one dies, their share of
the property automatically passes to the other/others.
Joint/Multiple Agency
This is when you have instructed more than one estate agent to market your property. This
can sometimes mean that you are paying higher commission fees because they are not your
sole agent.
Joint/Several Liability
This is when there is to be more than one adult living in a property. Tenants tend to be 'joint
and severally liable' which means that they are liable together but also individually each
tenant is responsible for payment of all rent and all liabilities.
Land CertiLicate
This is a certiOicate that is issued by the land registry that proves ownership of land.
Land Registry
This is a government department where details of the ownership of properties and any
charges against these properties are held.
A landlord can be a person, group of people, company or some sort of body that has a formal
interest in a property and has the right to let that property out to tenants.
Document in which the owner of a freehold property lets out their premises to a named party
at a certain price and for a speciOied time.
This when a leaseholder is granted the right to use land/property for a Oixed period of time.
This ownership is subject to the annual payment of ground rent to the owner of the freeholder.
Lease Option
A lease option is a type of contract used in both residential and commercial property. In a
lease option, a property owner and tenant agree that, at the end of a speciOied rental period for
a given property, the renter has the option of purchasing the property.
A company or person who lends you money for an agreed time period. Interest is generally
Lender's Arrangement Fees
Charge passed on to the buyer by lender for arranging a loan.
Lender's Legal Fees
The fees incurred by the lender when arranging a mortgage. These costs are generally passed
onto the buyer.
Lender's Valuation
A valuation of the proposed property carried out by the lender before agreeing to give out a
mortgage. This is only a valuation survey. A separate survey may be required by the buyer.
This is the person etc. that grants a lease.
Let to Buy Mortgage (LTB)
This is a mortgage that allows you to borrow money to buy a new home to move into while
your current home is let out to tenants. The maximum you can borrow for your new mortgage
will generally be calculated without taking your existing mortgage on your current home into
consideration, as long as the rent covers the mortgage on the current home.
Libor-Linked mortgage
This is a variable rate mortgage that is linked to the London Inter-Bank Offered Rate and will
normally be set at a certain percentage above the Libor rate within a given period of time. The
Libor rate is often associated with lenders that offer Loans to borrowers with some sort of
adverse credit history.
This is a term used for the legal right of one person to hold someone elses property as security
for a debt.
Life Assurance
An insurance policy which pays out a Oixed lump sum on death of an individual.
Life Policy
This is a policy/insurance that repays the mortgage in the event of the insured person's death.
(This can also be known as Term Assurance).
Loan-to-Value (LTV)
A percentage expressing the size of mortgage against the value of house. For example, if a
House Value is £100,000, with a Mortgage Size of £90,000, the loan-to-value = 90%.
Local Authority Search
A search carried out by the Solicitor to Oind out if there are any Local Authority Notices, with
respect to the building itself (e.g. has it been condemned?), and the surrounding area (e.g.
have plans gone through to build a motorway next to the house?) there are many different
searches that can be carried out an average house requires 2/3 but some may require say a
mining search.
Maintenance Charge
This is the charge that will have been agreed in the initial contract with the landlord that
covers costs of maintaining a property. Depending on the type of property in question, this
will typically include things like keeping the garden and communal areas and outside of the
property in good order.
MIG – stands for "Mortgage indemnity guarantee" and is an insurance premium that lenders
sometimes require you to take out in certain situations but often when there is some
uncertainty as to a right on the property.
Mortgage Interest Relief At Source. Tax relief available on interest payments on the Oirst
£30,000 of your mortgage. Phased out in April 2000 by the Government.
A long term loan to fund the buying of a property.
Mortgage Deed
This is a document that details the conditions of a loan/mortgage secured on a property.
Mortgage Indemnity Premium
An up-front, one-off fee paid to the lender to protect them against the borrower defaulting on
the loan. Usually charged on mortgages over 75% of the house value. Also known as
Indemnity Guarantee Premium or Mortgage Indemnity Premium.
Mortgage Offer
This is normally in letter form from the lender offering you a loan and setting out the
conditions by which it is offered.
Mortgage Payment Protection Insurance
See Accident Sickness and Unemployment Insurance as they are essentially the same thing.
Mortgage Term
Period over which mortgage is to be repaid.
The lender of a mortgage.
The house buyer who takes out a mortgage.
Multiple Agency
See Joint/Multiple agency earlier in this property glossary page.
Negative Equity
This is when you owe more money to the lender than the actual market value of your property
Negative Gearing
This is when the amount of rent that a property brings in is less than the cost of the mortgage.
Bear in mind tax must be deducted from the income before a loan can be repaid.
Just as it sounds, it is a term used to refer to people with a poor credit history. This may
include but is not limited to, things such as county court judgments (CCJ's), bankruptcy,
mortgage arrears, Individual Voluntary Agreements (IVA's) and credit card or other borrowing
arrears or defaults.
This is when you make an offer for a property – this may be at the asking price or less or in
some cases more.
Offset Mortgage
This is a Olexible mortgage that allows credit in one account to be taken into consideration
when calculating the interest due on different mortgage.account. For example: Money in your
savings or current accounts is set against your mortgage balance and then interest is only
calculated and charged on the outstanding amount. In practice this should mean that your
interest payments are reduced.
OMV stands for "Open Market Value" and is the value a property can achieve in the open
market when there is both a willing buyer and willing seller.
Option Agreement
You generally have to buy an option for an agreed amount of money. It gives you a set time
when the vendor can't sell it to anyone else although you are not legally tied to a purchase.
This is when you make an unscheduled capital repayment i.e. you pay over what was agreed
initially. This can be an effective way of repaying your mortgage before the end of the term and
saving yourself a considerable amount of interest. With some mortgages you will be charged a
fee for overpaying or for overpaying over a certain amount.
Relates to a mortgage packager; people that get all the documents relating to your application
to a lender, ready for you.
PCM stands for "Per Calendar Month" and is normally used when talking about the rental
Oigure per calendar month (PCM).
Pension Mortgage
Monthly repayments made up of a) Interest on loan and b) contribution to a personal pension
scheme. The loan on the house is paid off in one lump sum at the end of the loan period. This
can be a tax efOicient way to save.
Peppercorn Rent
This is a term used to mean a ground rent that is of a trivial sum in reality no actual money
changes hands.
Personal Equity Plan (PEP)
Personal Equity Plans (PEPS) were tax efOicient investments that where available in the 1980's
and 1990's. Many people used them as an investment vehicle to go along with an interest only
Portable Mortgage
A portable mortgage is one which allows the borrower to move their mortgage from one
property to another without penalty within an early repayment charge period. Portable
mortgage can be very important, for example: if there are early repayment charges for the Oirst
3 years on your mortgage, then if you wanted to move house after say 19 months and didn't
have a portable mortgage, then you would have to pay the charges and then get a new
mortgage product.
Preliminary Enquires
These are set of questions that are raised by solicitors on the sale/purchase of a property.
They can be completed in advance of an agreed sale (along with a Oixtures and Oittings form) to
avoid any delays once a property is under offer.
The monthly amount payable to an insurance policy.
The sum of the loan on which interest is calculated.
Private Residence Relief
A tax relief relating to your principal home.
Probate is the ofOicial process of proving a will is valid. If the will involves a property, things
such as inheritance tax etc need to be taken into account. A probate valuation can be obtained
which is normally a negotiated value with the district valuer who represents the Inland
Revenue. It is vital for a potential purchaser and the seller to understand that the sale of a
property in this situation cannot proceed to exchange until probate is granted.
Procuration Fee
See Introducer Fee
Public Liability Insurance
Insurance which covers injury or death to anyone on or around your property.
When a mortgage if fully repaid.
This is what is done to check a potential tenant's suitability to rent a property. Such things as
contacting previous landlords, present employer and doing a general credit check can come
under this category.
Registered Land
This is land (including any property on it) which is registered at the Land Registry.
Release Clause
These are sometimes used in conjunction with Oixed term tenancies. For example: in an AST
after the Oirst 6 months is over when it comes to renewal, either party (landlord or tenant),
will often request that a break/release clause be entered into the agreement, if they are
unsure whether they will want to continue renting the property for the duration of the next 6
months. This clause will normally allow either party to get out (normally with about 2 months'
notice) before the end of the new term.
Relocation Agents
Specialists in Oinding houses and assisting with negotiations.
Rental Agreement
This is the document that contains all the details and terms and conditions of the tenancy. An
AST is a form of tenancy agreement. It is a legally binding document.
Repayment Mortgage
Both capital and interest on the loan are paid off in monthly instalments.
When the mortgage lender takes possession of your home because you have fallen too far
behind on your mortgage repayments. You will be removed from the property.
This is an amount of money that is held back from the initial loan and will not be paid out by
the lender until speciOic repairs or improvements have been carried out by the purchaser.
Return on Investment (ROI)
This term refers to how much you get out of an investment in comparison to how much you
have put into it. For example, if you have invested £100,000 and got £125,000 out it would be
a 25% return on your investment.
Return on Time Investment (ROTI)
This is the hourly return on any time expenditure as valued in pound amount per hour.
This is a special type of property purchase. You have an agreement with the vendor that they
can still continue to live there for a speciOied time, normally until they die or some other
signiOicant agreed event happens.
Right of Way
An individuals legal right to use any particular part of a property so as to gain access to their
own property.
Right to Buy (RTB)
This is when a tenant living in a council-owned (or sometimes housing association or other
social housing owned) property, can purchase the property at a discount. Generally the size of
the discount depends on the length of their tenancy. In the 1980's and 1990's there could end
up being a sizable discount, but these days the discount is often capped, no matter how long
you have lived there.
Sale and Rent Back (SARB)
This is when you buy a property and then rent it back to the people you have bought it off. It is
often seen as an investment.
Searches are carried out by solicitors to Oind out whether there are any unwanted/adverse
effects in relation to a particular property. They will cover both existing issues as well as
Self Build
This is when you build the property yourself. If you are a builder you could literally build it
yourself otherwise you can commission builders, surveyors etc to be involved with the
planning and building.
Self Build Mortgage
This is a mortgage that is taken on to build a property. The loan amount is generally paid out
in stages as the building is progressing.
Self CertiLication Mortgage (S/C)
This is a mortgage where a buyer does not provide evidence of there income but instead they
state their income and sign a conOirmation of their ability to repay the mortgage. Normally the
rates of a self certiOication mortgage will be higher than those of a standard mortgage and a
larger deposit is required.
Sellers Pack
This is also known as a Home Information pack (HIP) and has been legally required on all
properties that are sold in on the open market since Dec 14th 2007. You have to have one as
you cannot sell most properties without one so whether you question their value as most do
or not its best to get one in plenty of time.
Gas, electric, water and council tax. In most AST's the tenant will be responsible for the cost of
Shared Ownership
This is a scheme that is operated by various Housing Associations where the borrower buys
and owns part of a property i.e. a percentage such as 40%, 50%, 75% etc and they pay a
mortgage on the percentage they own. The Housing Association owns the rest of the property
and the borrower pays rent to the Housing Association on this. The borrower would normally
have the right to purchase a higher percentage of the property in the future.
Sitting Tenant
This is when someone occupies a property as a tenant but has not signed an AST and so
therefore cannot be asked to leave.
Sole Agent
When a seller chooses only one agent or service to sell their home.
Sole Selling Rights
This is where one agent has complete control over the sale of a particular property. This agent
is generally entitled to his fee however property is sold.
Legal Professional who acts on behalf of the buyer or seller in the purchase of a house. The
solicitor will check the legal position of the house, carry out Local Authority Searches, Land
Registry Searches check monies are in place and oversee the exchange and completion of
contracts between the two parties.
Split Loan
A split loan is a mortgage that can be taken partly on a capital and interest basis and partly on
an interest only basis.
Stamp Duty
A Stamp Duty is the tax placed on legal documents usually in the transfer of assets or property.
See https://www.gov.uk/stamp-duty-land-tax/overview for a comprehensive break down and
associated fees.
Standard Variable Rate (SVR)
This is the default variable rate the Lender offers to borrowers on their standard residential
mortgages. It is also normally the rate that mortgage is reverted back to at the end of any
special discount period.
Standing Order
This is what you would normally get a tenant to set up to pay you rent directly. It is called a
standing order mandate and is the instruction to the tenants bank to pay you a set Oigure on a
regular basis for example £850 rent on the 1st of each month.
Structural Survey
A report constructed by the surveyor detailing Oirstly, whether the house is structurally sound
and secondly, listing the major/minor defects, (including the necessary work which needs to
be done).
Studio Flat/apartment
This is a Olat or an apartment with the bedroom/living room all in one. It will normally have
either a separate kitchen or a kitchen in the corner of the main room. It will still have a
separate bathroom and loo.
Subject to Contract
This is a term that is associated with an agreement to purchase a property before exchange of
contracts. At this stage either party is still free to pull out of the transaction.
Superior Landlord
The superior landlord is the landlord who the ownership of a property might revert to at some
stage for example; a Olat with a 99-year lease.
Superior Lease or Head Lease
This is often applicable to a Olat that is rented out. There will be a freeholder, a leaseholder
who has a superior or head lease and then they may grant a lease generally as an AST to a
tenant to actually occupies the property though they must comply with the terms of both their
lease and the Head Lease.
A term that covers various types of surveys from a valuation survey which is a report that is
produced on a property to determining the value of the property, whether it is structurally
sound and whether the lenders money will be secure to a full structural survey which gives
much more detailed information. This report is done by a qualiOied surveyor upon inspection
of the property. You generally have three tiers of report available: Valuation, Home Buyers and
Structural. The structural is the most in-depth and hence normally the most expensive.
The person who carries out a survey of a property, examining the structure and general state
of the house.
Tax Relief
Tax relief available on interest payments on the Oirst £30,000 of your mortgage. Phased out in
April 2000 by the Government.
Tenancy Agreement
This is the document that contains all the details and terms and conditions of the tenancy. It is
also known as a rental agreement. An AST is a form of tenancy agreement. It is a legally
binding document.
Tenancy at Will or Licence
This is when a purchaser wants to gain access to the property before legal completion. This
can be for anything from measuring up to actually beginning renovations etc. This can be
organised formally through the solicitors and a licence arranged between both the vendor and
the buyer. In this situation the buyer sometimes agrees to pay an appropriate rate of interest
on the balance of money owed for the property (i.e. the purchase price of the property less the
deposit that they have already paid). They will pay this instead of paying rental.
T enant
A tenant is a person or persons (can be a company or organisation) who is entitled to occupy a
property under the terms and conditions of a tenancy agreement.
Tenants in Common
This is when two or more people are co-owners of a property. When one dies, their share of
the property automatically passes to the other/others.
Tender – For Sale by Tender
This is when an asking price is not stated but offers are invited in writing. There will be a set
time and date for the offers to be opened and it will usually be in the presence of the vendor's
solicitor. Normally an acceptance of an offer by the vendor constitutes an immediate
agreement subject to contract.
This is relating to whether a property is freehold or leasehold, it denotes the type of
ownership a property has.
The period that the mortgage will last for.
Term Assurance
This is a policy/insurance that repays the mortgage in the event of the insured person's death.
The legal right to ownership of a property.
Title Absolute
This is the highest form of tenure available. (see a bit further up this property glossary page
for an explanation of tenure).
Title Abstract of
This is a summary of the title documentation that is used in the conveyancing of unregistered
properties to prove that the vendor has the right to sell that particular property.
Title Deeds
These are legal documents that describe the rights and the liabilities that are attached to a
property and they also prove ownership of a property.
Title Report
A report from the land registry that conOirms that the title of a property is acceptable. This is a
vital certiOicate that a lender must have before they will issue the cheque for mortgage monies.
Tracker Mortgage
This is a mortgage that moves in line with the Bank of England base rate and for a set period of
Under Offer
This is when a vendor has accepted an offer for the property but contracts have not been
exchanged on it yet. At this stage either part can still withdraw from the sale/purchase of the
Vacant Possession
This is when the property is vacant. The previous occupants of the property must vacate the
property before you move in.
V aluation
The process of evaluating a property to determine its market value. In some cases, there may
be a cost for this service by a professional, this cost is referred to as a Valuation Fee.
Valuation Survey
A survey carried out by the lender to ensure that the house's value is not less than the
proposed loan. Often the lender will arrange the survey and bill the buyer. This cannot be used
as a structural survey. It is also a service offered by estate agents or other property
professionals to try to ascertain the value of your property in the current market.
V endor
This is another word for the person who is selling a property.
Vendor Deposit
This is when you use creative Oinancing to get the vendor to pay the deposit or part of the
deposit for you – generally used by developers.
Yield is the 'return' on a property investment on a yearly basis. The two main ways to look at
yield are gross yield and net yield.
Yield (GROSS)
This is a measure of your return on investment before tax, in the form of rental income
compared to the property's price.
Yield (NET)
This is a measure of your return on investment taking into account any expenses incurred.
Paul McFadden
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text:
A Difficult Dilemma
By:Rick Boxx
February 29, 2016
Recently, we moved to a different home. In the interim we waited several days for cable to be installed.
Meanwhile, there was a TV show that Kathy and I enjoy watching. Due to some research and resourcefulness, within an hour, we had an antennae and a TV set up with 41 free channels!
In 2 Kings 4 Elisha was approached by a widow about to lose her sons to debtor's prison. Elisha said, "Tell me, what do you have in the house?" And she said, "Your maidservant has nothing in the house except a jar of oil."
Elisha creatively told her to gather jars from her neighbors and begin pouring oil, trusting God for the rest.
When faced with difficult dilemmas, examine what God has already provided and add some research, thoughtfulness, and resourcefulness.
Learn more about Rick Boxx and Integrity Resource Center

subset: commoncrawl


text:
Now THIS is how you should go see the Absolutely Fabulous film...
Not only do you get Edina and Pasty on the big screen for the first time, but you also get to drink bellinis and eat some glam food at the Light House Cinema.
Kicking off at 11.30am this Sunday, June 3 guests will have the option of three different boozy brunches before the movie begins at midday.
The Eddie Bundle: €20 (Strictly over 18)
- 1 x Film ticket + 1 Betty Ford Bellini and a Smoked Salmon, Cream Cheese and Rocket on Granary with Olives & Stuffed Peppers
The Patsy Bundle: €20 (Strictly over 18)
- 1 x Film Ticket + 1 Betty Ford Bellini and a Hummus, Roasted Red Pepper, Tomato and Rocket on Stoneground with Olives & Stuffed Peppers
Ab Fab + Betty Ford Bellini: €14 (Strictly over 18)
- Film Ticket + Betty Ford Bellin
It really doesn't get much more fabulous than this on a Sunday morning, does it?
READ NEXT: PICS: Dublin's Cupcake Blokes Officially Tied The Knot Yesterday


text:
Also found in: Thesaurus, Wikipedia.
Related to passel: passport
n. Informal
A large quantity or group: "The President faces a passel of domestic issues" (Christian Science Monitor).
[Alteration of parcel.]
informal or dialect chiefly US a group or quantity of no fixed number
[variant of parcel]
pas•sel(ˈpæs əl)
a group or lot of indeterminate number: a passel of kids.
Passelalternative for parcel.
Examples: passel of brats; of hogs; of young ones.
ThesaurusAntonymsRelated WordsSynonymsLegend:
Switch to new thesaurus
|passel - (often followed by `of') a large number or amount or extent; "a batch of letters"; "a deal of trouble"; "a lot of money"; "he made a mint on the stock market"; "see the rest of the winners in our huge passel of photos"; "it must have cost plenty"; "a slew of journalists"; "a wad of money"
good deal, great deal, hatful, lot, muckle, peck, mickle, mint, quite a little, slew, spate, tidy sum, wad, stack, raft, mountain, pile, plenty, mass, batch, heap, deal, flock, pot, mess, sight
large indefinite amount, large indefinite quantity - an indefinite quantity that is above the average in size or magnitude
deluge, flood, inundation, torrent - an overwhelming number or amount; "a flood of requests"; "a torrent of abuse"
haymow - a mass of hay piled up in a barn for preservation


text:
The O'Grady brothers, Alan and Brian from Clare Island Ferry Company ltd are the third member of Clare Island Adventures and they are charged with getting you to and from Clare Island safely. They operate 2 large vessels capable of carrying 96 passengers each, the Pirate Queen and the Clew Bay Queen and one small vessel the Very Likely. They are some of the most experienced ferrymen on the west coast so you are in good hands.
The ferry operates from Roonagh Pier just outside Louisburgh and takes only 20 minutes to cross. The ferry runs twice daily all year round with as many as 6 sailing per day during the summer months.
As part of your Clare Island Adventure package we will arrange all ferry reservations, departure times and collection and drop off to the boat so you will not have to worry about any of this. We got you covered…..
For reference visit Clare Island Ferry web-site at www.clareislandferry.com or contact Brian on (086) 8515003 or Alan on (087) 9004115.


text:
Microsoft has hired Chicago attorney Dan Webb to help out with its defence in the antitrust case.
Webb defended General Motors in an earlier antitrust case, and his former clients include Iran-Contra defendant John Poindexter, and big tobacco, in the shape of Philip Morris, reports the Chicago Tribune.
Amnesia played a large part in several of the Iran Contra defendents defence strategies, but also in Bill Gates' video deposition, too.
With so many Iran-Contra-era and even Nixon-era veterans in the White House, Webb will feel right at home. ®
Sponsored: Webcast: Discover and secure all of your attack surface


text:
A Day in Chicago
The other week my friend Liz had a day off of work. So like anyone in the midwest who has a free day, we hopped the train down to Chicago for an adventure! We were there for about 6 hours READ MORE
A Guide To Saint Louis Breweries
Saint Louis is an amazing hub of activity. Located right in the middle of the country it is a city known to hold a plethora of athletic competitions, conferences, and conventions. With two major universities within the city limits (Saint READ MORE
The Ultimate Millennial Gift Guide
Do you have a millennial in your life that you are struggling to shop for? Look no further. This is the ultimate gift list broken down by personality! Most of these gifts would be amazing for non-millennials as well! For READ MORE
Mental Illness Doesn't Take Vacation
We all know the holidays can be chaotic. Family vacations, shopping sprees, and holiday parties are about to take over our lives. Unfortunately, mental illness doesn't take vacation. I learned this on my honeymoon last month. I was pumped. We READ MORE
Revamp Your Living Space by 2018
I have decided to take on a home project and I want to share it with you. The other day I looked around our house and I realized that many of the pictures in our house are over five years READ MORE
The Daily Essentials You DON'T NEED on a Tropical Vacation
I don't know about you, but I tend to over pack, a lot. And there were SO MANY things I thought I would need on my honeymoon that I didn't even touch. And, when I looked around me, other people READ MORE
Stop Blaming Mental Health for Every Mass Shooting
Woke up this morning to Donald Trump saying that the mass shooting in TX yesterday is a mental health issue, not a gun control issue. As someone with mental illness this got my blood boiling because while mental illness probably READ MORE
My Kindle Conversion
Book nerds out there, take a deep breath. I am about to become a traitor in your world. I have converted to reading on my Kindle almost exclusively. Glad I got that off of my chest. It was a slow READ MORE
5 Tips on How to Move Forward After Experiencing Trauma
As someone who has suffered trauma, I know there is absolutely no formula for truly recovering. It has taken me years, and I still have some serious anxiety and depression. I have had this topic on my 'blog post ideas' READ MORE
8 Things I Wish People Knew About Living With Mental Illness
It can be hard to understand someone you love who struggles with mental illness. Don't worry, they don't expect you to get it all the time! Sometimes I don't even understand myself! But, as with anything, education is the key READ MORE
Subscribe to my email list to stay up to date on my most recent posts!


text: Yoga on Pinterest On a previous post, I showed you all great Tumblr blogs dedicated to yoga. Along with Tumblr, there are numerous social media sites that offer people the opportunity to post yoga inspired photos. One of my favorite sites is Pinterest. I have discovered wonderful yoga inspired Pinterest accounts that can inspire anyone to do yoga. This Pinterest is filled with inspiring yoga poses. Each week, the worldwide yoga community can post their interpretation of various yoga poses. So, if there is a particularly difficult pose, one can find an alternate way to execute the pose through this Pinterest. With 166 boards and 12, 498 pins, there is more than enough material in this Pinterest to keep you busy. Find this Pinterest here: https://www.pinterest.com/yogaposeweekly/ This Pinterest is unique, because it is dedicated to a yoga magazine. You will be able to find yoga poses, healthy recipes, articles on yoga and so much more. My favorite board is Yogi inspiration. It is filled with quotes, poses, and encouraging yoga tips. Find this Pinterest here: https://www.pinterest.com/yogajournal/ This Pinterest is the most popular yoga Pinterest on the site. It has everything one could search for on their yoga journey. My favorite boards are the Yoga Quotes and the Yoga Art. Wise words and captivating artwork are some of my favorite things, and this Pinterest provides them both. I also like to view the Surf Yoga and Aerial Yoga boards. Yoga always looks cool, but it looks so much more awesome when done in the middle of the ocean on top of a surfboard or suspended in the air. Find this Pinterest here: https://www.pinterest.com/ynspiration/ Blyss Brand has a Pinterest of our own! Be sure to check it out, and follow the amazing boards. From the healthy recipes to the weekly poses, you will not be disappointed. Find our Pinterest here: https://www.pinterest.com/blyssbrand/


text:
The Oak Grove Society recognizes those who have made estate gifts to the Foundation for IUP or reported they are remembering the Foundation in their future estate and financial plans. It also recognizes people who have made gifts of $1 million or more over the course of their tenure of giving to IUP.
The Oak Grove is the heart of the original campus—the main focal point around which the university is built. Rooted in deep tradition, the Oak Grove continues to serve as a central gathering place for the university community for leisurely moments as well as for special activities and noteworthy events. Likewise, the membership of the Oak Grove Society is built upon the foundation of support from bequests, charitable gift annuities, charitable trusts, life insurance, and other gifts that individuals have made or intend to make in the future through their estate and financial plans.
The following membership list includes active members who have made gifts or informed the Foundation for IUP of their gift intentions. It also includes those deceased members who have fulfilled their gift commitments during the timeframe of this report.
Stephen Abel '73
George Aggen '76, M'78
Jay Althouse '73, M'75
Alan Anderson '50
Anonymous Alumni
Ida Arms*
Barbara Boucher Barber '72
Robert Bozzone
Edward Bratton* and Joan H. Bratton*
Lewis Brindle '75
Sherman Brizzi '73
Bonnie Curry Brose '67
Catherine Burger-Leister '78
M. Dorcas Clark
John Conrad '58
Robert Cook '64 and Paula Brooks
George Coury Jr. '56
Dennis Cramer '75, M'82 and Elizabeth Michaliszyn Cramer '76
William Culp '57
Thomas Curtiss Jr.
Linda Deabenderfer
Hugh Dempsey D'79
David Dentler '83
Owen Dougherty Jr. '88
Robert Dreisbach '49
Derek Fairman '03
Joyce Fairman '76, M'84
Howard Fargo '51
Frank Fazio Jr. and Beverly Fazio
David Frick '57
C. Alexander Garvin
Barry Gasdek '64
George Glarner Jr. '56
Wayne Gorell
Donald L. Green
D. Kathleen Nevins Greenwell '71
Karen Philippi Gresh '67
Olive Reitz Hadley M'67*
Joseph Hardy III
Joseph Hickey '63
Ann Salinger Hunt '51
Chad Hurley '99
Daniel Jack '79
Audrey Vogan Johnson '52
Karla Jones '83
Richard Kapsa '54
John Kennedy '67
Frank Kinter Jr. and Hastie Kinter
Naomi Kipp '60, '85, M'82
Edward Knittel '78, M'86 and Lori Griffin Knittel '78
Theodore Korenowski '66
Judith Geyer Kovalchick '65, M'69 and Joseph Kovalchick
Anthony Kuzneski
Joseph Laposata '60 and Anita Sabo Laposata '61
Mary Leisher Leipheimer '66
William Lewis '81 and Eileen Bird Lewis '81
Douglas Lingenfelter '83
George Lucas '74, M'88*
William Lund
James McCormick '59
R. Keith Michael '52 and Marion Bankert Michael '51
Laurabel Hamilton Miller '48, M'63
Charles Mociak '77
Beatrice Moore
Logan Moorhead
Diane Mularz '72
Marian Murray
Nancy Zebraskey Nelson '57
Nancy Newkerk
Michael O'Sullivan '75
Mark Pasquerilla
Lisa Fairman Pfingstler
Mark Piwinsky
Mary Fasold Poling '90
Maureen Flaherty Post '63
Thomas Pressly
David Reddecliff '82
Roger Riedley '72
Ruth Riesenman '64
Rodney Ruddock '65, M'75 and Ellen Sylves Ruddock '66
Mary Jane Fiscus Rudge '45
Patricia Scott '81, D'06
Erla Weaver Seacrist '50
Terry Serafini '61
David Serene
Anita Malone Shaffer '54
William Shipley '75
David Siesko '83
Jonathan Smith '82
Mark Staszkiewicz
Wanda Stitt-Gohdes '70
Dennis Stover '76 and Regina Dressel Stover '75
Myron Tomb Jr. '69
Shari Trinkley '81
William J. Wagner '75
Ned Wert '58
Rosemary Williamson '71
* Deceased


text:
- Back to Top
- OverviewJump to Overview
- FeaturesJump to Features
- WarrantyJump to Warranty
- ReviewsJump to Reviews
Ernie Ball Music Man Cutlass RS Stealth HSS Electric Guitar
Stealth Black
- Write a Review
- Questions & Answers
Flexible Financing
Free Shipping
Lowest Price
6-Month* financing available.
- Free Shipping (48 Contiguous U.S. States)
Get all the features you love in the Ernie Ball Music Man Cutlass, but with a custom-wound ceramic humbucker in the bridge position, plus a menacing ...Click To Read More About This Product
Go total stealth with a new look on this classic design.
Get all the features you love in the Ernie Ball Music Man Cutlass, but with a custom-wound ceramic humbucker in the bridge position, plus a menacing Stealth Black finish. It's all there, from the trademark 4+2 headstock and modern tremolo to the Silent Circuit wiring and transparent buffered output; from the smooth playability to the versatile tonal choices, but now with a warm, punchy, vintage-sounding humbucker in the bridge to add just that much more crunch and bite to an already great instrument.
- Stealth-black-finish solid alder body
- Oil-and-wax-finish 25.5"-scale roasted maple neck with 22-fret, 10"-radius select ebony fretboard
- Custom-wound Music Man pickups in HSS configuration with matte-black covers, Silent Circuit electronics, 5-way switch
- Music Man Modern tremolo with vintage-style bent-steel saddles, Schaller locking tuners
Expand your tonal range with an HSS Stealth Cutlass. Order yours now.
- Body shape: Double cutaway
- Body type: Solid body
- Body material: Solid wood
- Top wood:
- Body wood: Solid Alder
- Body finish: Stealth Black
- Orientation: Right handed
- Neck shape: V standard
- Neck wood: Roasted Maple
- Joint: Bolt-on 5 bolt
- Scale length: 25.5 in.
- Truss rod: Standard
- Neck finish: Hand-rubbed Oil and wax blend
- Material: Select Ebony
- Radius: 10 in.
- Fret size: Medium-high
- Number of frets: 22
- Inlays: Dot
- Nut width: 1.62 in. (41.3 mm) Not specified
- Configuration: HSS
- Neck: Custom single-coil
- Middle: Custom single-coil
- Bridge: Custom humbucking
- Brand: Music Man
- Active or passive pickups: Passive
- Series or parallel: Parallel
- Piezo: No
- Active EQ: No
- Special electronics: Silent circuit
- Control layout: Master volume, tone
- Pickup switch: 5-way
- Coil tap or split:
- Kill switch: No
- Bridge type: Tremolo/Vibrato
- Bridge design: Music Man Modern tremolo with vintage bent steel saddles
- Tailpiece: Not applicable
- Tuning machines: Schaller locking
- Color: Black
- Number of strings: 6-string
- Special features: Buffered output
- Case: Hardshell case
- Accessories:
- Country of origin: United States
Musician's Friend Gold Coverage
Gold Coverage goes above and beyond the manufacturer's warranty to protect your gear from unexpected breakdowns, accidental damage from handling and failures. This plan covers your product for one, two, three or up to five years from your date of purchase, costs just pennies per day and gives you a complete "no-worry" solution for protecting your investment.
Gold Coverage Includes:
- Unexpected and unintentional spills, drops and cracks
- Normal wear and tear
- Power surges
- Dust, internal heat and humidity
Other plan features include:
- For products over $200, No Lemon Policy applies. If it fails for the same defect 3 times, it is replaced on the 4th breakdown. (Does not apply to failures due to drops, spills, and cracks)
- For products under $200 experiencing the above failures, a Musician's Friend gift card will be issued for the full price of the product + tax.
- Shipping fees covered if required for repair or replacement
- Plans are transferable in the event merchandise is sold
- Plans are renewable on new gear
*Limitations and exclusions apply. See terms and conditions (Opens in new window) for program details
Term for New Gear begins on date of purchase but does not replace the store return policy or manufacturer coverage.


text:
Is your current management strategy working for you? Does it help sustain growth? How effectively is it preparing you and your employees for the future 'new normal' expected within the banking industry?
Given the range of challenges now faced daily by you and your team, it's more important than ever to keep pace with the latest trends in management. If, for example, you're simply encouraging employees to do a job well, you're using antiquated, pre-recession training tactics. Excelling in a job is so yesterday. Because of today's bare-bones staff, super lean payrolls and often unrealistic demands, you need each existing employee to excel in not just one, but several jobs simultaneously.
And, like it or not, it's up to you to make this happen.
Doing all you can with staff stretches not only your financial budget but also the reach of each subordinate's capabilities. But first you'll need to ensure employees can successfully and comfortably carry out multiple tasks, by matching their abilities to your needs. And the best way to do this is to gain extensive knowledge of their individual strengths and weaknesses. If you think you have neither the time nor the need to do this, think again, as the payoff for leading a team of well-suited, versatile, satisfied and highly motivated workers is huge. It is what will set you apart as a manager and move your institution ahead of others as we pull out of this current recession.
Start observing more frequently your employees' typical work habits. Do you have CSRs, tellers, researchers or administrators who seem take charge and bold? Are they also outgoing? If so, this may signal strong sales ability or leadership tendencies. Further assessment of their core traits may point to your ability to use these employees in combination roles of service, sales and supervision.
On the other hand, someone more quiet and conservative could be highly effective in a variety of administrative tasks, quality control or bookkeeping. Is there a future loan officer sitting unrecognized in your midst?
Successfully tying employees to jobs and jobs to results means better potential to maximize success and buy loyalty. It makes managing so much easier in the long run.
Offering staff the correct type of feedback is also necessary as they assume additional roles. In order to recognize and reinforce strong performances and encourage improvement where needed, however, you need to know the preferred communication style of each employee. Find out if your number one teller likes public accolades or feels embarrassed by them. Is that quiet but seasoned loan officer receptive to critiques? Should you be direct or subtle when offering advice?
Today, an increasing number of employers in all sectors of business are looking to fully develop their existing staff by assigning multiple roles. Doing so, however, is arguably most necessary in banking, given its unprecedented influx of new rules, ongoing policy addendums, government-related paperwork, massive layoffs and now limited number of employees.
That said, are you ready to stop managing by yesterday's standards and start effecting real, results-driven change?


text:
activist and two-term member of the philippine house of representatives. blogging since 2004 at mongster's nest. joined global voices in 2006.
30 May 2013
Blackout Mapping in Cambodia
A massive blackout in Cambodia has sparked online discussion about the country's power supply situation. Citizens are demanding explanation about the recurring blackouts in recent months. Urban Voice, a crowdsourcing...
27 May 2013
25 May 2013
Kindness Mascot Gives Up on Singapore
Singa, Singapore's courtesy lion and then mascot for kindness since 1982 has resigned. Complaining against an "increasingly angry and disagreeable society" the lion felt it's time to take a break....
24 May 2013
21 May 2013
19 May 2013
"Lift your Skirt, Save a Life" Cervical Cancer Ad Divides Singapore
To remind Singapore women about the free Pap smear screenings this month and to promote awareness about cervical cancer, the Singapore Cancer Society came out with a "Lift your skirt....
15 May 2013
Brunei: 'Slow Internet is Almost Like Censorship'
Brunei internet users are complaining against the slow and unreliable internet connection in their country. Brunei has one of the most expensive internet rates in Southeast Asia but many Brunei...
13 May 2013
'Black 505' Post-Election Rallies Spread in Malaysia
The Opposition-led 'Black 505' rallies are spreading in Malaysia. In the past week, hundreds of thousands gathered in Kuala Lumpur and in other parts of the country to protest the...
9 May 2013
'Malaysian Tsunami' Protests Election Irregularities
Tens of thousands in Malaysia gathered in Kelana Jaya stadium near the country's capital last May 8 to protest the final vote tally of the 13th General Elections. The government...


text:
I want PHPFreeChat to kick automaticaly a user after he has typed a bad word from the censor list.
There's no such functionality (as much as I've seen). Is there an easy for doing this that I haven't seen? Any tip?
I will try to do it myself, so any tip is welcome.


text:
January 30: State of the Union address. President Trump preened and applauded himself. It reminded me of a recording I heard of Stalin speaking to the masses. When Stalin finished speaking there was tumultuous applause. It went on and on. People were afraid to stop clapping because the secret police kept an eye on the crowd.
Ravi Ragbir, the director of the New Sanctuary Coalition, and his wife Amy Gottlieb, an immigrant rights activist and attorney, were at the State of the Union address. They were the guests of N. Y. Democratic members of Congress. When Trump did his number with his chosen immigrant guests, he did not acknowledge other immigrants present. Surprise?
A Jericho Walk is a prayer walk. The New Sanctuary holds a Jericho Walk at Federal Plaza every Thursday at 11 a.m.
My weekly blog encourages me to be up and about. If not, what will I write about? This past week I was felled by the flu so I've been going through bits and pieces I've saved to use when I haven't been able to go to events.
This list was borrowed from The Greenwich Village Society for Historical Preservation. It lists various cultural firsts in the Village.
Greenwich Village is the site of: The first woman candidate for President, Julia Ward Howe, who lived on Bond Street
The first Rocky Horror Picture Show Midnight Showing, at the Waverly Theater
Jane Jacobs: her first book, the Death of Life of Great American Cities, and her leading the first defeat of Robert Moses and of an "urban renewal" plan, all while living in the Village, and the first (and only) development she had a hand in designing, West Village Houses
The first public meeting of the NAACP, at Cooper Union
The first African-American Studies and the first Women's Studies classes ever taught, at The New School
The Founder of the first Birth Control Clinic, Margaret Sanger, who lived in Greenwich Village
The "Father of the American Revolution," Thomas Paine, who lived and died in Greenwich Village
Graphic Lessons: Recent thirty-five-year-old widow Millie Fitzgerald applies for a private school teaching job, faints on a stabbed and dying man in the school kitchen, deals with the only witness to the stabbing – a troubled nine-year-old, develops a crush on a NYPD detective and her dog dies.
Graphic Lessons: Nine-year-old Dana is the only witness who overhears a person fighting with George Lopez, the soon to be stabbed Windsor School kitchen worker. Who can she tell? Her mother who never listens or accuses her of lying? Her father who's started a new family in Singapore? She tells Millie.
Graphic Lessons: Something's eating at NYPD Detective Steve Kulchek: a failed marriage? surviving a car bomb? his girlfriend marrying his corrupt boss? screwing up an important case? It doesn't matter because he's relentless.


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We're making it easier than ever for you to make the switch. Show us your statement and we'll take a look through, provide a quote and get the paperwork ready. We can also help by transferring all your banking and direct debits to Regional Australia Bank.
We will be opening on Fridays from the 20th of April, 2018 for a trial period of 3 months. This is to help residents and businesses tie up those loose ends before the weekend and allow new members to come and see us for a quote and make the switch.
Mon - Fri 8:00 am - 6:00pm
Saturday 8:30 am - 12:00 pm
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Being member owned means we're free to focus on delivering value to members rather than the interests of shareholders.
We pledge 5% of our profits to grassroots initiatives that help regional communities.
We've been helping regional Australians achieve their lifestyle goals for almost 50 years. We'll help you achieve yours.
We recognise everyone's circumstances differ, so we provide personalised financial solutions to save time, money and effort.
1We may change fees, charges, interest rates and other conditions at any time. Advertised rates are correct as at 16/04/18 and are subject to change. Please refer to the Conditions of Use when considering if these products are right for you. Terms, conditions, fees, charges and normal lending criteria apply. See Fees & Charges webpage for full details. All Regional Australia Bank upfront fees (inc. Approval & Documentation Fees) are waived. Initial Valuation Fee is also waived, if there are two or more Valuation Fees on origination the lesser fee is waived. Other Statutory and Legal related costs may apply.


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Abigail is unhappy with her lot in life. She lives with her strict grandfather and nutty grandmother in a ramshackle mansion (partly burned in the fire that supposedly killed her father) in a small town, eighth grade isn't treating her very well, and everything seems dismal. But then a black cat shows up on her 13th birthday, with an envelope fastened to its collar...
The poem that Abigail finds inside leads her to a letter from a "Devoted Friend" that starts her on a secret quest to learn as much as she can about mythical beasts. "Send word of your progress via the cat," writes the anonymous author of the letter. "It's very important for you to begin this research. But even more important, tell no one!"
Abigail ignores the last instruction, and with the help of her best (and only) friend, Charley, she begins to fill her journal with information and illustrations about all manner of mythical creatures. But then a letter arrives from the Board of Mystical Management, warning Abigail to stop research, and her grandfather, always curiously restrictive, starts acting like a prison guard...
Undeterred, Abigail continues her study of mythological creatures. The secrets and mysteries she discovers will change her life forever!
Abigail's story and her research are presented in a scrap-book style journal, with her notes and drawings of mythological creatures (and even the occasional haiku) interwoven with diary entries detailing the trials and tribulations of her life. It makes for an interesting reading experience for a fast reader like me--the information presented was so fascinating and the illustrations so very much worth stopping to look at, that, instead of galloping through Abigail's story, I was compelled to read is slowly, allowing the mystery to build very nicely.
Abigail is a not unusual character--the outsider who finds herself part of a magical world. But her voice was compelling, and her circumstances certainly interesting! I can easily imagine many a pre-teen girl empathizing with her, and cheering for her as she pursues her quest for knowledge (which, in a nice touch, involves lots of surreptitious visits to the town's used book store and library).
Although I have read many, many children's books about mythical creatures, I learned new things (which I appreciated). Abigail's entries include quotations from original sources, and illustrations of actual "evidence" (photographs and the like), as well as Ralph Masiello's illustrations, and she doesn't just describe the creatures, but also critically considers mundane explanations for some of the sightings and legends. A bibliography and page of fascinating links is provided at the end.
This is the sort of book that would make a great present for the nine or ten year old girl just starting to find her way into fantasy. For one thing, it is attractive as all get out--it has that very appealing novelty book look to it, with copious illustrations look to it, vaguely reminiscent of the -ology books. But unlike those books, which some readers might find too fact laden, there's an interesting story carrying the reader forward. And the way the text is broken into small segments makes it a friendly book for the younger reader.
The book ends with many unanswered questions (the mysterious fire, the identity of the anonymous letter writer, and more), and the promise of a second book, focused on fairies, to come. I'll be looking forward to it!
Disclosure: I met Ralph Masiello the first year I blogged, and he gave me a lovely dragon picture--his Dragon Drawing Book, had just come out. So, knowing that The Mystic Phyles would feature lots more of Masiello's art, I was predisposed as all get out to enjoy the book!
Disclaimer: review copy gratefully received from the author


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Scaffold Safety as a whole realize that fall dangers are the main source of construction specialist passings, representing around 40% of all fatalities in construction every year. Of the 359 construction specialist fatalities credited to falls in 2014, around 16% were from scaffolds. OSHA gauges that around 65% of all construction specialists play out some work on scaffolds each year. That is a great deal of people taking a shot at scaffolds conceivably being presented to various dangers, for example, falls, electric shocks and falling items.
The key issue to safety when taking a shot at scaffolding comes down to regardless of whether the scaffold is protected to deal with. This implies chipping away at scaffolding that has been raised via prepared experts under the supervision of a capable individual and that the scaffold has been legitimately examined before utilize. It is additionally essential that every specialist is furnished with legitimate defensive gear and have been completely prepared on safe work hones when chipping away at scaffolding.
Since the OSHA benchmarks for scaffolding in construction are greatly nitty gritty, we can't cover every one of the guidelines and necessities for every particular sort of scaffold and each circumstance. Rather, we've made a general rundown of do's and don'ts for scaffold safety in construction. You can discover the greater part of the OSHA norms for scaffolds in construction here.
Things That Should Be Done
Get legitimately prepared before utilizing a scaffold. Preparing must be finished by a qualified individual and incorporates recognizable proof of electric shock, fall and falling articles dangers and the techniques for managing those risks. Preparing must likewise incorporate the best possible utilization of the scaffold, how to deal with materials and the heap limits of the scaffold.
Before getting on a scaffold check to ensure that an equipped individual has assessed the scaffold before the work move and that it is sheltered to utilize and in legitimate working request. Scaffolds must be raised, disassembled, adjusted or moved under the immediate supervision of a skillful individual via prepared workforce.
Continuously wear your hard cap when dealing with, under or around a scaffold.
Be aware of associates working above and beneath you constantly, and also others dealing with the scaffold. In the event that you witness uncalled for use nearby a scaffold. You should stop what you are doing and inform a manager.
Things To Avoid
Leave anything on the scaffold toward the finish of your day of work. This incorporates any building materials or devices that you may have been utilizing on the scaffold while you were working. These things could conceivably be brushed off the scaffold or cause stumbling dangers for the following individual utilizing the scaffold.
Overburden the scaffold. Appropriate preparing incorporates being educated of the most extreme proposed heap of the scaffold. You are dealing with and in addition its heap conveying limits. In many occurrences, scaffolds ought to be fit for supporting no less than four times its greatest planned load.
Utilize boxes or steps to build your work stature. Try not to utilize stilts unless the guardrails on the scaffold. Stretched out to a tallness that is equivalent to the stature of the stilts.
Utilize the scaffold on the off chance that it creates the impression. That it is harmed in any capacity, has been messed with or if there are segments missing. Tell a chief instantly to get the scaffold in legitimate working request and assessed by an equipped individual. Never alter or endeavor to repair a scaffold unless you have gotten preparing in scaffold erection.
Stroll on scaffold planking shrouded in ice, snow or mud. Worn wood planking can likewise be amazingly tricky when wet. All snow, ice, mud and different flotsam and jetsam. Wet leaves ought to be altogether expelled before utilizing the scaffold. You ought to likewise abstain from utilizing a scaffold amid antagonistic climate. Overwhelming precipitation, slush, ice snow or solid breezes.


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No School Day Art Camps
Art and play all day for kids ages 5 years – 11 years
Our goal is for your child to explore and discover their innate creativity through exposure to a variety of materials and techniques. Join us this year for Bend's most creative no school day programs! Maximum 12 campers. $60 per day.


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All things considered, Dash has really transitioned from homeschooling into public school very nicely. A few bumps and kinks here and there but nothing major…that is, until this Monday.
Monday started out as a relatively quiet day. I was homeschooling Sketch while Princess Buttercup and Dash were at school. Sketch was just starting to practice writing his numbers when the phone rang.
"Hello, Mrs. Incredible? I was wondering if you could come and pick up Dash at school. He is having a hard time on the bus."
"What is he doing?"
"Well, he is screaming loudly on the bus and he won't calm down."
I rushed Sketch and myself off to the school. There haven't been any problems on the bus so far…what in the world is going on?
As I pull into the parking space and open my door, I see Mrs. Teacher and the twins walking toward me. Dash seems fine… Princess Buttercup on the other hand seemed pretty annoyed that she didn't get to ride the bus with her friends.
Mrs. Teacher said Dash was screaming a high pitched scream that was totally distracting to everyone on the bus, especially Mr. Kent, the driver.
"If you scream on the bus, you ride home in the car!" Dash says, as if he has been trying to set the "rule" in motion as a screen play to sit back and watch.
And this time, the rule played out as he expected.
So how do I get him to understand what he has done? How do I help him understand how many people were effected by his "bad choice"? How do I not let him have so much fun "playing out the rules"?
I decide to get a large pad of paper, and started a diagram to explain it. I emphasized how his one bad choice took away the choice of all the other people. Princess Buttercup lost her choice to ride the bus because I had to drive to school to get him. Sketch and I had to stop working on Kindergarten stuff to come and get him. The kids on the bus lost their choice to have a relaxing drive home on the bus. Mrs. Teacher had to stay late to make sure Dash and Princess Buttercup were safely waiting for me to arrive, etc. We talked about the consequence of making that bad choice, how it effected other peoples choices, and how the result is that he is not going to be able to make choices tonight.
It looked something like this:
Dash seemed to "get" it…that he upset a lot of people that he really enjoys and likes.
But, he was still reciting the rule…"If you scream on the bus, you come home in the car". So, I decided to try to deflate some of the reward of watching the rule play out. I said, "Dash, If you are good on the bus, you get to ride with Mr. Kent, you get to be on the bus that you enjoy riding on, and you get to be with the other kids on the bus. You know what will happen if you make good choices. If you don't behave on the bus, well… you don't know what will happen to you!" He thought about that for a minute, a little uncertain about it.
Maybe this is it? Maybe the fear of the unknown can override the fun of the rules? And really, we don't know what will happen to him….He could be permanently kicked off the bus, he could be switched to a special ed bus, he could end up distracting the driver so much there is an accident! Really, we don't know.
But what I really wanted to know, was WHY. Why did he do it? The only thing I could come up with was about playing out the rules to see them work, but I don't really know the why.
So, I ask Dash, "Why did you scream on the bus?"
"Because you take the car home." he replies.
No, I that is what happened, I want to know why did you do it?
"You upset Mr. Kent."
"That is who you upset. I want to know why you did it!"
In his innocent boyish voice, he replies, "Can you give me a hint?"
I answer, "No, only you know why you did it, Dash."
But, as I said those words, I knew there was someone else who knows why, someone else who knows the motivation behind it.
There are times when we all do things that we don't understand. We baffle ourselves with our own behavior, our own reactions to things. Why do we do the things we do?
Most kids (and many adults) answer questions like "Why?" with the standard, "I don't know!"
Dash answered the questions a bit like the psalmist, David would have answered it. "Can you give me a hint?" is very much like,
"Search me, O God, and know my heart; test me and know my anxious thoughts. See if there is any offensive way in me, and lead me in the way everlasting." Psalm 139:23-24
David also instructed his son, Solomon in I Chronicles 28:9 "And you, my son Solomon, acknowledge the God of your father, and serve him with wholehearted devotion and with a willing mind, for the LORD searches every heart and understands every motive behind the thoughts." (italics added)
It is a comfort to know that God knows us that well…better than any parent can understand their children. He knows the whys, the motives and the hearts of each of us and loves us nonetheless.
So next time we find ourselves wondering why we do what we do, we can take a lesson from Dash, and simply call upon our forgiving, all knowing–yet all loving Creator, our Father, and ask him, "Can you give me a hint?" and then "serve him with whole hearted devotion and with a willing mind."


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Girl Scouts National Convention 2014. Are you going?
It's in Salt Lake City, Utah October 16-19, 2014.
I'm going to be there. I'd love to connect with some of my blog followers, if you have the time and desire. I promise I'm not crazy... well... not crazier than it is necessary to do what we do...
I'll be a National Delegate for our Council and I'm really kinda excited! It should be a fun time. I really hope to see ladies dressed in vintage uniforms or covered from head to toe in SWAPs. Maybe I'm just blowing this up in my mind, but I'm really hoping something phenomenal happens. My only regret is that my step-daughter isn't old enough to go with me. Though, I think she can but she can't go to like 80% of the stuff... so we'll wait until next time and she will be old enough and oh yes she will be going with me! Sharing these things with her is really what keeps me motivated and going.
So... let me know if you are going to be there. :-)
All the tricks and tips you are looking for to become a great scout leader... hopefully... at least a good place to start.
Wednesday, April 2, 2014
Girl Scouts National Convention 2014
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There are tons of different ways to beat all the levels in Plants Vs Zombies, but we have some video walkthroughs in case you're stuck on a certain level. Here's a complete list of all the levels in Plants Vs Zombies.
Please note: Plants Vs Zombies is a video game that is on several different devices including the PC, iPhone, iPad, Nintendo DS, Xbox Live Arcade, Playstation Network and Android devices, so your version of the game might be slightly different than the video walkthroughs we have here.


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Korogocho Streetscapes is an urban laboratory that suggests an inclusive way of working with urban development through activities and small-scale, high-impact implementations within the public space and the streetscape. Instead of traditional design and planning processes the project focus on temporary and direct interventions aiming at creating safer, more democratic and inclusive public spaces. The…Read More
"Street art like the Talking Walls can be used to spread such core messages. It is important to appreciate street art as society, and as a platform for discussion and integration in the public space." Kerush, coordinator Talking Walls