Mortgage loan types. 1  Interest: Interest may be fixed for the life of the loan or variable, and change at certain pre-defined periods; the interest rate can also, of course, be higher or lower. 2  Term: Mortgage loans generally have a maximum term, that is, the number of years after which an amortizing loan will be repaid.
How Beer is Made. Beer is made from four basic ingredients: Barley, water, hops and yeast. The basic idea is to extract the sugars from grains (usually barley) so that the yeast can turn it into alcohol and CO2, creating beer.
Beer stein (/ËstaÉªn/ US dict: stÄ«n), or simply stein, is an English neologism for either traditional beer mugs made out of stoneware, or specifically ornamental beer mugs that are usually sold as souvenirs or collectibles. In German, the word stein means stone and is not used to refer to a beverage container. Such Steins may be made out of stoneware, pewter, porcelain, or even silver, wood or crystal glass; they may have open tops or hinged pewter lids with a thumb-lever.