If the amount you want to borrow is greater than 90% of the value of the property then you will be required to prove that you have genuine savings. Genuine savings is money saved in a bank or term deposit over a certain time period (generally 6 months) or shares held for at least 6 months. Most lenders will want to see at least 5% genuine savings (of the purchase price). If you have less than 5% then the mortgage insurance premium you will pay will substantially increase.

This term is frequently misunderstood given that it is also used to describe radioactive materials and ionized radiation. In the context of Low Intensity Laser Therapy, "radiation" simply means the transmission of energy. LILT does produce radiation, but as photon energy in the visible red and near infra-red regions of the electromagnetic spectrum.

In a group insurance policy, a preexisting medical condition is defined as a physical or mental condition for which medical advice, diagnosis, care or treatment was recommended or received within six months prior to the insured's enrollment under the plan. Insurance contracts may not cover these preexisting medical conditions for a period of time after you enroll in the plan.

This term is often used to compare games with one another. It refers to a game that is typical of Downtown Las Vegas - double down allowed on any initial two cards, dealer hits soft-17, resplits and insurance allowed. Las Vegas "Strip" rules improve the player's odds slightly requiring the dealer to stand on all 17s. [Issue 4.3]

The term is used to describe a horse that does not wear a bit and is 'barefoot". Technically a horse that does not wear a bit and is not shod might be described as "ironfree" - however there is a world of difference between a horse that is not shod and a horse that is "barefoot trimmed".

Quoting refers to quotes of other people's posts to the list. It does not refer to quoting of Lois McMaster Bujold's material, although excessive quoting of that should be avoided too, for other obvious reasons.

quot;Just a Bunch Of Disks", or JBOD, is not really a RAID configuration. The term refers to hard drives that are concatenated (combined or "spanned") to create a large volume. A JBOD configuration provides no real performance benefits or fault tolerance, but it does allow for total usage of all the available space on each disk.

With major hubs in Chicago and Los Angeles, ETF will have the capability to grow by incorporating resources such as additional computing facilities, large data facilities and instrumentation resources. These additional resources, once integrated into the ETF backplane, will be able to share the grid-enabled environment and gain high-speed access to terascale computing platforms, large data archives and visualization environments.

Labor is the process by which contractions of a pregnant uterus cause birth. The term "back labor" refers to labor in which the birth mother feels the most discomfort in her lower back, usually just above the tailbone. Many women do not recognize this back pain as the beginning of true labor. In order to understand the differences between "false labor" and "true labor", visit the labor and birth and inducing labor links.

Hollow ware refers to dinnerware such as cups, mugs, teapots, sugar bowl, creamer, casseroles, gravy boats, etc. If you have a question that you feel you would like to see answered on this FAQ page please make and inquiry to webmaster@royalchinaclub.com

With the Managed DentalGuard PPD plan, most diagnostic and preventive services are covered at no cost to you. However, for basic, major and some preventive services, you will pay a certain amount -- which is referred to as a patient charge -- for each covered service you receive. The patient charges for your PPD plan are listed in your certificate of coverage booklet, so you'll always know what you'll have to pay for services you need.

This has been a big misconception regarding Rolex watches, "sweeping" versus "ticking". And in the past people used this as a method of identifying counterfeit Rolex watches. The truth is, genuine Rolex watches do, in fact, "tick". However, they tick at around 5 to 6 times per second, so it gives the illusion of "sweeping" or "floating" around the dial. If you watch the second hand with a loupe you can see it.

A hazard means anything that can cause harm (e.g. chemicals, electricity, working at height, machinery etc).

Vacuum Combing is the use of a short stroke combing across the scalp combined with a powerful suction along the hair length to effectively dislodge and capture the lice. The combination of combing and airflow is very effective at removing adult lice and nymphs.

These are services coordinated by the SLS as a service to its members. Examples include, but are not limited to: Retrospective conversion of library materials and the addition of their bibliographic records to a larger multi-system database or catalog Any service or program that is coordinated for members that enhances services/programs and/or provides discounted services for members.

ISO/IEC Guide 2:2004 defines a standard as a document, established by consensus and approved by a recognized body, that provides, for common and repeated use, rules, guidelines or characteristics for activities or their results, aimed at the achievement of the optimum degree of order in a given context.

Certification is a third-party attestation related to products, processes, systems or persons. (Definition: ISO/IEC 17000:2004 Conformity assessment — Vocabulary and general principles) It is distinct from the other systems of proof of conformity such as supplier declarations, laboratory test reports or inspection body reports.

This is a term used to describe 'the ascribing of human characteristics to non human things'. In this case, we tend to attach our emotional feelings to wild birds, forgetting that these are wild creatures and do not have human emotions as we might think. They instead live primarily by instincts. This is a study that can get very in-depth and I don't want to get into it here, but just remember, wild creatures don't show emotions as we humans do.

Good question. The situation is this. Our program was born in a totally non-English speaking environment where it was absolutely necessary to teach teachers who had little or no English language background or training to teach English.

Lever lock handles have a key hole cut into the back plate. They are used in conjunction with a mortice sash lock and allow the door to be locked by means of a key. The mortice sash lock is usually 2.1/2" or 3" wide and is not supplied complete with the handles, they need to be purchased as a separate item. Locks are available with different levels of security as required by the situation to which they are fitted.