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.
Birch beer in its most common form is a carbonated soft drink made from herbal extracts, usually from birch bark, although in the colonial era birch beer was made with herbal extracts of oak bark. It has a taste similar to root beer. There are dozens of brands of birch beer available.