Casual Articles - Writing and Speaking

Online Debt Consolidation Applications
Debt consolidation is a wise choice for people looking to reduce or eliminate their debt. Because of high interest rates, reducing debt is almost impossible. Getting a higher paying job may help. However, there is an easier solution for eliminating debt. Debt consolidation lumps all your debts into one loan. Helping you pay off debts quicker.Debt Consolidation Loans Equals Lower Interest RateBanks and financial institutions that offer personal debt consolidation loans offer great rates for people with good credit. The average credit card interest rate ranges from 14% to 25% - sometimes higher. Because debt consolidation loans have a much lower rate, you will receive huge savings. For example, instead of paying $300 a month for credit cards, your consolidated loan may be $200 a month.Debt consolidation loans must be secured by a piece of property. This could include a car, boat, or home. Home equity loans are ideal for those looking to consolidate their credit card and consumer debts into one payment. In addition to debt consolidation, home equity loans are perfect for home improvements, paying for college, or taking a dream vacation.Using Home Equity Loans to Consolidate Credit Card DebtHome equity loans are based on your home's equity. If you owe $100,000 on a $175,000 mortgage loan, your home's equity is $75,000. Thus, you may obtain a home equity loan for up to $75,000. Use this money to consolidate debt. However, weigh the pros and cons before obtaining a loan. Because the home equity loan is secured by your home, if you refuse to pay the loan, the lender may foreclose your property.Applying for Debt Consolidation Loans OnlineCompleting a debt consolidation loan application is simple. For convenience, consider submitting an online application. Various lenders offer loans. Furthermore, there are lenders that offer loans to i

dth of a dollar
scent...........an aroma
sent............dispatched

cents...........hundredths of a dollar
scents..........many aromas
sense...........detect

cere............waxy fleshy covering at the base of the upper beak in some birds
sear............cooking technique
seer............a prophet
sere............natural succession of plant or animal communities

cereal..........grains
serial..........sequential order

Ceres...........Roman Goddess of agriculture
series..........a sequence of things

cession.........giving up
session.........a period spent in continuous activity

chalk...........calcareous earthy substance
chock...........wedge to keep wheels from rolling

chance..........happenstance
chants..........more than one litany

chard...........spinach-like vegetable
charred.........burnt

chased..........quickly followed
chaste..........virginal, pure

check...........a tic mark, or personal promissory note
Czech...........from Czech Republic

chews...........masticating
choose..........to select

Chile...........a South American country
chili...........dried pod of red pepper
chilly..........uncomfortably cool

choir...........church singers
quire...........the twentieth part of a ream of paper

choler..........yellow bile
collar..........around your neck

choral..........by a chorus
coral...........marine polyp skeleton

chorale.........a choir
corral..........a pen for horses

chord...........three tones in harmony
cord............very light rope
cored...........divested of its central part

chute...........inclined trough
shoot...........project an object

cite............refer to
sight...........vision
site............a location

cited...........referenced
sighted.........visually identified
sited...........located

cites...........past tense of cite
sights..........tourist rationale
sites...........more than one location

clack...........a chattering sound
claque..........a group hired to applaud, sycophants

Claus...........fat, jolly guy with presents
clause..........contractual unit
claws...........big fingernails

clew............sheet cringle on a sail
clue............a hint

click...........ticking noise
clique..........exclusive group

climb...........ascending
clime...........c

Mortgage Cycling – The Quickest Way To Pay Off Your Mortgage
Most of the families end up paying their mortgage loans for as long as 30 years. What’s involved is an incredible amount of interest payment and significant drop in savings. Biweekly mortgage payments were seen as an effective way out of the financial mess. While there are definite benefits in biweekly mode of payments, they are not very significant.Mortgage cycling, on the other hand, is a bold financial plan assuring definite and significant savings. Generally, a large part of your overall mortgage payments is paid as interest on the principal amount. Mortgage cycling works on the theory that lesser the principal amount, lower will be your interest payments. This simple idea is the basis of the mortgage miracle, that is mortgage cycling.Now, mortgage cycling requires large half yearly equity payments which reduce the principal amount and consequently the interest too. If you don’t have the money in hand, you can always save the money over a period of six months given that your small savings have a cumulative effect in terms of interest savings.A saving of around five thousand dollars for six months makes you the ideal candidate for mortgage cycling. As you pay these large installments every six months, the principal amount chargeable for interest gets progressively lower and the interest rates sink with each payment.You can also use home equity loans to make the half-yearly equity payments. This way you make the equity payments in time and get extra time to save up for the next round of home equity loan payment too.The best part of mortgage cycling is that it does not depend on the condition of economy. The theory of mortgage recycling is simple. The principal amount gets smaller and so does the interest rates. Thus no matter what the prevailing interests are, your savings will be higher compared to any other alternative.Mortgage cycling is effective for all types of mortgage debts. The determ

Below you will find a little list to help you out. I have not only alphabetize them but cross-referenced them as well.

a.............very short little insignificant English word
eh............an interrogative utterance

acts..........things done
ax............chopping tool

ad..............short for advertisement
add.............short for addition

adds............performs additions
ads.............more than one advertisement
adze............axe-like tool

ade.............sweetened citrus fruit beverage
aid.............to assist
aide............an assistant

aerie...........eagle's nest
airy............breezy

aero............of aircraft
arrow...........slender, pointed shaft

affect..........to change
effect..........result

ail.............sick
ale.............beer

aisle...........walkway
I'll............contraction of "I will"
Isle............island

all.............everything
awl.............pointed scriber

allowed.........permitted
aloud...........spoken

altar...........raised center of worship
alter...........to change

an..............a single instance
Ann.............a woman's name

ant.............insect
aunt............parent's sister

ante............preliminary bet
auntie..........sister of a parent

arc.............portion of a circle
ark.............vessel

ascent..........a climb
assent..........agree

ate.............past tense of eat
eight...........the number base of octal

auger...........a drill
augur...........foretell

aural...........of hearing
oral............of the mouth

auricle.........external part of the ear
oracle..........seer

away............distant
aweigh..........just clear of the bottom

awed............in a state of wonder
odd.............not usual

awful...........really bad
offal...........butchered entrails

aye.............naval affirmative
eye.............ocular organ
I...............oneself, first person nominative

bail............bucket handle
bale............bundle of hay

bailed..........pumping water out of a boat
baled...........gather into a bale

bailing.........pumping water out of a boat
baling..........wire used to tie bales

bait............torment
bate............lessen

baited..........past tense of bait
bated...........past tense of bate

baiting.........tormenting
bating..........lessening

baize...........green felt
bays............one or more enclosed arms of the ocean

bald............hairless
balled..........made into a sphere
bawled..........cried aloud

ball............a sphere
bawl............cry

band............a group
banned..........forbidden

bard............a poet
barred..........enclosed by poles, denied access

bare............naked
bear............ursine

bark............outer sheath of a tree, noise made by a dog
barque..........square-rigged sailing ship

baron...........minor royalty
barren..........unable to bear children

Barry...........a man's name
berry...........small fruit
bury............put under

basal...........forming the base
basil...........an herb

base............the bottom support for anything
bass............the lowest musical pitch or range

based...........supported
baste...........swab with liquid during cooking

bases...........what baseball players like to steal
basis...........principal constituent of anything
basses..........many four-stringed guitars

bask............warm oneself pleasantly
basque..........tight fitting bodice or tunic
Basque..........people of the Pyrenees

bat.............a blind, flying rodent
batt............a flat pad

baud............bits per second
bawd............a procuress

bay.............an enclosed arm of the ocean
bey.............a Turkish official

be..............exist
bee.............pollinating buzzer

beach...........sandy seaside
beech...........a type of tree

bean............a legume
been............past tense of be

beat............hit
beet............edible red root

beau............male friend
bow.............a curve or bend; double-slipped reef knot

beaut...........slang for beauty, beautiful
butte...........steep sided hill

been............past tense of be
bin.............a box or container

beer............alcoholic beverage made from hops
bier............a temporary frame for a coffin

bel.............Indian thorn tree
Bel.............Babylonian god
bell............metal object used to signal when struck
belle...........beautiful woman

berth...........anchorage
birth...........your method of arrival

besot...........get drunk
besought........past tense of beseech

better..........superior
bettor..........one who bets

bight...........middle of a rope
bite............a mouthful
byte............eight bits(computer term)

billed..........has a bill
build...........to construct

bit.............past tense of bite
bitt............large cleat for tying up ships

blew............past tense of blow
blue............color

bloc............an alliance
block...........square three dimensional,to hinder passage object

boar............wild pig
Boer............a South African of Dutch descent
boor............tasteless buffoon
bore............not interesting

board...........a plank
bored...........not interested

boarder.........lodger who gets meals, too
border..........perimeter

bode............an omen
bowed...........curved

bold............brave
bowled..........knocked over

bolder..........more courageous
boulder.........large rock

bole............trunk
boll............round seed pod
bowl............dish

boos............disparaging sounds from fans
booze...........slang for alcohol

born............brought into life
borne...........past participle of bear
bourn...........a small stream or boundary

borough.........township
burrow..........dig into the ground

bough...........tree branch
bow.............front of a ship; respectful bend

buoy............navigational aid
boy.............male child

bra.............brassiere
braw............well-groomed

braid...........a weave of three strands
brayed..........a donkey cried

braise..........cook with oil and water
brays...........loud, harsh cry

brake...........stopping device
break...........split apart

breach..........break through
breech..........the back part

bread...........a loaf
bred............past tense of breed

brewed..........fermented
brood...........family

brews...........cook slowly
bruise..........a contusion

bridal..........pertaining to brides
bridle..........horse's headgear

broach..........raise a subject
brooch..........an ornament fastened to clothing

brows...........multiple foreheads
browse..........grazing

bundt...........type of cake
bunt............hit a pitch without swinging

burger..........meat sandwich
burgher.........merchant

bus.............large multi-passenger vehicle
buss............a kiss

bussed..........kissed
bust............head and shoulders sculpture

but.............excepting
butt............the thick end

buy.............purchase
by..............near
bye.............farewell

buyer...........one who purchases
byre............a cow barn

cache...........hidden storage
cash............legal tender

cached..........hidden away
cashed..........converted to legal tender

calendar........chart of days
calender........paper press

call............summon
caul............amnionic membrane
col.............a mountain pass

caller..........one who calls
collar..........band attached to the neck of garment

can't...........contraction of "can not"
cant............a bevel

cannon..........big gun
canon...........body of law

canter..........a moderate gallop
cantor..........singer

canvas..........rough cloth
canvass.........examine thoroughly

capital.........most important
capitol.........center of government

carat...........unit of weight for precious stones, equal to 200 milligrams
caret...........proofreader's insertion mark
carrot..........edible orange root
karat...........one 24th part of otherwise pure gold

carol...........Christmas song
carrel..........study enclosure

carpal..........a bone of the carpus
carpel..........a pistil

cast............throw
caste...........a social class

caster..........one who throws
castor..........beaver's musk gland

cause...........generative force
caws............sounds of crows

cay.............a low island
key.............opens locks
quay............a wharf

cedar...........an evergreen tree
seeder..........one who broadcasts seeds

cede............give
seed............part of a plant from which a new one grows

ceding..........giving
seeding.........planting

ceiling.........top of the room
sealing.........close a package or envelope

cell............a small room
sell............exchange for money

cellar..........under a house
seller..........one who sells

censer..........incense dish
censor..........bad people who fear knowledge
sensor..........a device which detects

census..........numbering, an accounting
senses..........faculties

cent............one hundredth of a dollar
scent...........an aroma
sent............dispatched