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.
A glass of root beer with foam. Root beer is a dark brown sweet beverage traditionally made using the root or bark of the tree Sassafras albidum (sassafras) or the vine Smilax ornata (sarsaparilla) as the primary flavor.