Locking-in” a rate is a process in which a lender guarantees a borrower a specific rate for a certain period of time, even if rates fluctuate during that period. At Gershman Mortgage, you can “lock-in” a rate for up to 270 days. When “floating” a rate, the borrower chooses to allow their rate to fluctuate with the market from the time of the application until the closing. See similar questions...

Synchronous communication refers to interaction happening in real-time – a meeting or phone conference, for example.  Asynchronous communication happens anytime and doesn’t rely on being together at the same time – in person or electronically.  E-mail is a good example of asynchronous communication.  Unlike e-mail, asynchronous message boards allow an online discussion to be well-organized into threads.  It is a common technique used in online learning. See similar questions...

All of the specific course grading percentages include a line for course investment. Course investment is the only component of the grade where I can reward you for effort and the time you put into the course. The largest components of course investment are attendance and speaking up in class, since coming to class prepared to discuss the readings every time requires quite a lot of time and effort. Minor or ungraded assignments may also be incorporated into the course investment grade. See similar questions...

Hepatitis means “inflammation of the liver.” Many viruses, alcohol, drugs, and various chemicals can cause hepatitis. See similar questions...

Autism is a spectrum disorder, which means it manifests itself in many different forms. A diagnosis can range from mild to severe, and though children who have it (i.e. are on the spectrum) are likely to exhibit similar traits, they're also as individual as the colors of a rainbow, each one managing a grab bag of symptoms. While one child may rarely speak and have difficulty learning how to read and write, another can be so high-functioning he's able to attend classes in a mainstream school. See similar questions...

Mortgage loan interest rates can change on a daily basis. Some members prefer to avoid this uncertainty by locking in the rate quoted at the time of loan application. Others prefer to "float" their rate, or take a risk on the market, which determines interest rates. A lock agreement must be executed by all parties at the time of loan application in order for the lock to be valid. See similar questions...

Buying down the rate refers to the payment of discount points in exchange for a lower interest rate. A discount point is one percent of the loan amount. As an example, paying two discount points on a $100,000 loan requires $2,000. See similar questions...

If AccuStandard has a product with known or suspected solubility problems that can be corrected by sonication, “sonicate” is written on the label. An example of when this could happen is with products that may precipitate out of solution when they get cold. During shipment we cannot control the temperature of the products, and some of the less soluble analytes may start to precipitate out. See similar questions...

The FDA regulates what constitutes strength, or fold. Single fold means that 13.4 oz of vanilla pods are extracted into one gallon of alcohol. Only vanilla extracted in 35% alcohol is considered pure by the FDA. Double fold, triple fold, etc. refers to extracts using more vanilla pods. These stronger folds are generally used only by commercial food producers. All home recipes are designed for single fold and most bakers and chefs use single fold. See similar questions...

Attenuated means that the influenza viruses used to make LAIV have been weakened so they cannot grow well in human tissue. Six parts of the genetic material used to make the vaccine have been modified. In order for the vaccine to become as strong as the wild influenza virus, all six of these components would have to undergo genetic changes. See similar questions...

We all strive for happiness in our personal and professional lives. At Masaya, we believe that the best way to achieve that happiness is to start with your health. With a healthy mind and body, the happiness that we all seek will come much easier to us. That is the reason for the name of our wellness center. See similar questions...

Rate locks are a way of protecting from a possible rise in interest rates during the processing of your loan. You can lock your rate up to any period needed to complete your transaction. Generally speaking, if you choose to lock for an extended period of time, the cost of the loan increases. See similar questions...

Many borrowers do not want to be surprised at the close of the transaction with a rate which is higher than what was quoted at the beginning of the process. Hence, many borrowers ask that the lender commit or "lock" the initial rate quoted for a period of time sufficient to close the transaction. See similar questions...

Rate locks" are a way of protecting from a possible rise in interest rates during the processing of your loan. With some lenders, you can lock your rate up to 90 days. Generally speaking, if you choose to lock for an extended period of time, the cost of the loan goes up. Furthermore, if rates improve during the processing of your loan, you will still get the rate you locked. See similar questions...

You can lock a rate anytime after we receive and review your signed loan application and you have identified a property. The typical lock-in period is 60 days; once you lock in the rate, you must close your loan within 60 days. Once you lock in the rate, you cannot unlock it. If you decide not to lock in your interest rate, your rate will be locked five business days prior to your scheduled closing date. See similar questions...

Examples from the past: breaking an arm in week 9, resulting in difficulty typing and a lot of time under pain medication. Anything that has produced University or medical paperwork and results in 3 or more absences probably qualifies as an extreme condition. See similar questions...