Terry Douglas

High School Teacher

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It's raining cats and dogs

The expression means that it's raining very heavily. It's an interesting old English phrase that no one knows the origin of it.

When it is raining very heavily, we may also use the following idiomatic expressions:
• It's pouring down
• It's pouring from the heavens
• It's bucketing down
• It's flooding down
• It's pissing down
• It's peeing down very colloquial
Improved by Kathy Giles

At the drop of a hat

To do something at the drop of a hat means to do it instantly, without any delay.
If you need any help, just phone me. I'll be there at the drop of a hat.

The idiom may have come from the American Old West; in the 19th century it was occasionally the practice to signal the start of a fight or a race by dropping a hat or sweeping it downward while holding it in the hand.


The action of fitting together manufactured parts into a machine or other object, for example an assembly of a car.
All parts of the car are assembled in sequence in the assembly line.
Inside Ford's moving assembly line:


Courtesy is politeness and respectful behaviors toward others.
You should call him, at least as a courtesy.
Obama paid a courtesy visit to Kenya.


Inventory is a detailed listing of the stock-in-trade of a business. Inventory types typically can be grouped under three classifications: raw material, work in progress, and finished goods.

1. Raw materials: Goods that are used in the production as a source material.
2. Work in progress: All the materials that are being processed.
3. Finished goods: Completed goods that are ready for sale.

Start rate

Start rate is the beginning interest rate of an adjustable-rate mortgage (ARM) loans, it is the interest rate for the first period, as the ARM rate will be adjusted in subsequent periods. The start rate is usually lower than current market rates, in order to help the applicant qualify for a larger loan amount.

3-2-1 and 2-1 buydowns are two common mortgage buydown structures. In a 3-2-1 buydown, the buyer obtains a lower interest rate for the first three years. In a 2-1 buydown, reduction is only available for the first two years.

Interest rate

An interest rate is the percentage of principal that is charged as interest for its use by the lender. An interest rate is typically defined as an annual percentage of the borrowed principal and is calculated by dividing the amount of interest by the amount of principal.

Interest Rate = Amount of Interest / Principal
Amount of Interest = Interest Rate x Principal

For example, if the interest rate is %5 for $100,000 loan
Amount of Interest = (5 / 100) x 100,000 = $5,000 for each year.


In the real estate industry, the term "estate" refers to the ownership interest one has in real property. An estate encompasses the degree, nature and extent of ownership rights.

Estates are typically divided into two groups: freehold estates of indefinite length and leasehold estates for a fixed term.


A major crime, the penalty of which is usually a stiff fine and/or imprisonment in a state penitentiary. Felonies are divided into several degrees that are classified according to the relative seriousness.

An example classification from the State of Pennsylvania:
1. Murder of the first degree. (Mandatory death or life imprisonment)
2. Murder of the second degree. (Mandatory life imprisonment)
3. Felony of the first degree. (20 years - $25,000)
4. Felony of the second degree. (10 years - $25,000)
5. Felony of the third degree. (7 years - $15,000)
6. Misdemeanor of the first degree. (5 years - $10,000)
7. Misdemeanor of the second degree. (2 years - $5,000)
8. Misdemeanor of the third degree. (1 year - $2,000)


Facade is the mask we put on in order to give others a false impression.
He has a graceful heart behind his facade of rudeness.

escrow holder

A third party, usually a company or the representative of a company, who acts as the stakes holder for a buyer and seller. Escrow holder acts as an agent for the buyer and seller.


A sale transaction wherein one person (usually the seller) delivers evidence of title to a third person to be held by the escrow holder until the happening of the performance of a prescribed condition (usually deposit of funds by a buyer), when the evidence of title is then delivered to the buyer.

:: Escrow in mortgages ::
Escrow concept is used in mortgages where the mortgage provider opens an escrow account to pay insurance and real estate tax throughout the mortgage.


In law, an entity is equal to an organization, corporation, partnership or person who might owe taxes. An entity is capable of entering into contracts and of being sued.


A skin colored makeup cream that is applied to the face to cover flaws and, sometimes, to change the natural skin tone. ('fond de teint' in French)


The basic concepts and principles of the moral philosophy and the right and wrong human conduct. The word is derived from the Greek word "ethikos" (ἠθικός).

A man without ethics is a wild beast loosed upon this world. --Albert Camus (French philosopher)
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