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The common terms used to describe a mortgage involve the "creditor", the "debtor" and "mortgage broker." It may be self-explanatory as to what those terms mean, but there are other terms involved with a mortgage as…
If you own an old air conditioner or heat pump that uses Freon, it is time to think about making a change. Freon is a chemical coolant, or refrigerant, that facilitates the transfer of heat from one place to another. Known as R-22 in the heating,…
Sometimes through just casual conversation, you can discover a new angle on a common theme. First, we'll spend a moment on positive thinking. This is nothing more than putting a positive spin on anything that comes your way. It's not…
Well, this is an undeniable fact that reading broadens one's mind, reading enlightens one's mind. Every bookworm would agree that the fresh smell that comes out of the pages of new books is very intriguing. It gives an ineffable joy! However, in…
If you've never heard of Collembola, you're not alone. Until last years, it was thought that these soil borne creatures were essentially harmless. Even doctors vehemently denied that springtails were likely to infest human hair and skin.…