Karen C.

Software Engineer

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All the money and property that is left behind at death.
In her will, she left her estate to her two grandsons.


The market value of a real estate property after the amount of existing liens have been subtracted. Thus, a home valued at $100,000 with $30,000 in mortgage liens has a net equity of $70,000 ($100,000 - $30,000).


Sign on the back of a promissory note or check for the purpose of transferring ownership of the note or check to make it payable to someone other than the stated payee or to accept responsibility for paying it.

"In blank" means payment is guaranteed to subsequent holders.
"Without recourse" means payment to subsequent holders is not guaranteed.

Principle of substitution

In appraising, it is a principle which contends that the higher limit of the value of a property is defined by the cost of acquiring an equally desirable substitute property. This principle is the basis for the market comparison or market data approach.


A principal is any person involved in a contract, such as a seller, buyer, principal broker, or an owner who has hired an agent as a property manager.

Brand loyalty

Brand loyalty is the tendency of some customers to keep buying the same brand of goods rather than to try other brands.

Loyal consumers consistently purchase products or services from their preferred brands, regardless of changes with competitors pricing.

Brand loyalty plays a vital role in word of mouth marketing.

Classical music

The music that is developed from a European tradition mainly in the 18th and 19th centuries.

The key characteristic of European classical music that distinguishes it from popular music and folk music is that the repertoire tends to be written down in musical notation, creating a musical part or score. This score typically determines details of rhythm, pitch, and, where two or more musicians (whether singers or instrumentalists) are involved, how the various parts are coordinated. --Wikipedia

Chronic disease

A disease that persists for a long period, and generally cannot be prevented by vaccines or cured by medication. Examples include asthma, cardiac failure, diabetes, cancer, and stroke.

:: More Info ::
A list of chronic diseases

good luck

An ironic phrase that people use when they're implying that someone is not likely to succeed.

A: I'm just here to pick up a hot girl.
B: "Well, good luck to you!" (or good luck with that)
(Implying that he can't succeed it.)

Healthy diet

A diet that contains sufficient amounts of necessary nutrients required for body's health, also known as balanced diet.

If you have a healthy diet, you will get all the vitamins you need.
A healthy diet is what we need to live healthily.

gap year

A year between leaving school and starting university that a young person spends working and/or travelling.
He took a gap year to work right after high school.

Racial discrimination

Unfair treatment of a person or a group because they are members of another race.
A group of five people are claiming race discrimination against their former employer.

Violent crime

In the FBI's Uniform Crime Reporting Program, violent crime is composed of four offenses: murder and non-negligent manslaughter, rape, robbery, and aggravated assault.

The descending order of UCR violent crimes are murder and non-negligent manslaughter, rape, robbery, and aggravated assault, followed by the property crimes of burglary, larceny-theft, and motor vehicle theft.

Although arson is also a property crime, the hierarchy rule does not apply to the offense of arson. In cases in which an arson occurs in conjunction with another violent or property crime, both the arson and the additional crime are reported. --FBI

Working conditions

Degree of safety or danger, physical environment, stress and noise levels, ventilation, humidity level, toilets, cleanliness, lighting, safety, paid overtime, access to drinking water, etc.

Mental illness

Mental illness are the health conditions that involving significant changes in thinking, emotion and/or behavior, distress and problems functioning in social, work or family activities. Mental illness refers collectively to all diagnosable mental disorders.

Examples of signs and symptoms from mayoclinic:

1. Feeling sad or down
2. Confused thinking or reduced ability to concentrate
3. Excessive fears or worries, or extreme feelings of guilt
4. Extreme mood changes of highs and lows
5. Withdrawal from friends and activities
6. Significant tiredness, low energy or problems sleeping
7. Detachment from reality (delusions), paranoia or hallucinations
8. Inability to cope with daily problems or stress
9. Trouble understanding and relating to situations and to people
10. Alcohol or drug abuse
11. Major changes in eating habits
12. Sex drive changes
13. Excessive anger, hostility or violence
14. Suicidal thinking

word of mouth

Recommendations that people verbally make to each other about a product of service.
Word of mouth has made this film a hit.
The novel has become a worldwide best-seller, largely by word of mouth.
Most customers hear about his company by word of mouth.

Youth hostel

A place providing cheap accommodation for short periods to young people when they are travelling.

We shared a room in the youth hostel.

Example view of a youth hostel room:
Youth hostel
(Image source: Walk of Fame Hollywood Hostel)


Demand is the consumer's need or desire to own the products or services.
An increase in automobile prices may lead to a decline in demand for gas.

ancient monument

An ancient monument is a very old building or remains of one, also called as a historic monument, especially one that is an important part of a country's history, and is open to visitors.

"Ancient monument" differs the term "national monument". National monuments are determined by reason of their cultural importance rather than age.

The ancient monument should be restored immediately.


1. The word "attend" means to go to an event or being present in a place regularly.
His daughter prefers to attend a school that provides education for females only.

2. Accompany as a companion.
During the tour, I was attended by a lovely Swiss girl.

3. Pay attention.
He hasn't attended to a word of his teacher.

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