The completed curing of concrete or mortar.

Final property appraisal estimate arrived at the use of appropriate appraisal methods.

Interest and any other charges, including points, that make up the fees incurred when borrowing money.

Costs for closing of title that are added to the loan amount rather than being paid up front. This practice adds to the amount borrowed, increasing the monthly payment.

Calculator which has numerous built-in financial functions including cash flow analysis, mortgage amortization, present and future yield, yield to maturity and many other business statistics and financial ratios.

The ability of a proposed land use or change of land use to justify itself from an economic point of view.

Institutions acting as intermediaries between suppliers and users of money. They are wholesale and retailers of funds. The financial markets are where those wanting funds are matched with those having surplus funds.

A federal law passed in 1990 that restructured the regulatory and deposit insurance apparatus dealing with savings and loan associations and changed the rules under which federally regulated S&Ls operate.

A firm, such as a bank or savings and loan association, which performs the function of collecting deposits from individuals and investing them in loans and other securities

The use of borrowed money to complete an investment purchase.

Institutions acting as intermediaries between suppliers and users of money. They are wholesale and retailers of funds. The financial markets are where those wanting funds are matched with those having surplus funds.

Report that shows income and expenses for an accounting period and normally consists of a balance sheet, income statement and statement of cash flows.

The loaning and borrowing of money to buy an item. Financing Fee Interest and any other charges, including points, that make up the fees incurred when borrowing money.

Report that shows income and expenses for an accounting period and normally consists of a balance sheet, income statement and statement of cash flows.

A fee paid to someone who initiates a business transaction between principals.

1. Superior in quality. Better than average.
2. Not coarse. In very small particles.

Sand or stone component used as a filler in the making of concrete, which consists of portland cement, water and the aggregate, which makes up 75 percent of the bulk. Aggregate ranges in size from sand, which is a fine aggregate. Fine aggregates range from sand to a combination of sand, gravel and crushed rock up to ¼ inch in diameter.

The final, finished grade that brings the soil to the specifications tolerances.

A small, almost invisible grain such as that found in a clear maple wood or where it is processed to limit the grain size.

Molding or trim finishing nail that is used where a very small hole is desirable.

Finished pattern made on a wall or ceiling by spraying on a texture of medium-size droplets, which is then flattened with a trowel.

Index that lists the average coarseness of aggregate in concrete.

Cement mixture, which is used to finish masonry surfaces because of its very fine particles. When applied with a burlap cloth, it gives a uniform, thin coating on the surface.

Precisely adjusted. Fingering Also called tails, this defect in airless spray painting, has an application of thick streaks of paint in certain places rather than uniform thickness.

Narrow extensions of wood, resembling fingers, are cut in the ends of pieces of two pieces of wood so that they interlock and form a joint. When the extensions are glued together, they form a level surface.

Decorative, ornamental shape, such as the spire at the tip of a spire, the top of a lampshade, or the projection upward from the top of a cabinet or breakfront.

Anything used to give a desired surface appearance.

The final, detail carpentry done to bring a job to a finished state, such as moldings around door and windows, fascia and cabinet installation.

The final coat of and surface covering such as paint, plaster, etc.

Second layer of flooring material placed over the rough flooring or flooring planks in a structure and is often a polished floor made of oak or other hardwoods.

Grading that prepares a lot for landscaping.

Trim and functional hardware such as knobs, cabinet latches and drawer pulls, needed to "finish" a job.

Provision in a commercial lease, providing a financial allowance of a certain sum or amount per square foot, for a tenant to finish the interior of a building according to individual requirements.

Installation of plumbing fixtures to make the system usable.

Ornamental, trim piece of horizontal board on the outside of a stair carriage.

The application of the final coat or touches to a surface.

Nail, which is used for trim molding and in places where nail holes must be very small, because it is a slender nail with a semi-spherical head which is not much larger than the its body (the shank).

Device for hot water heat distribution which passes hot water through hollow metal pipes with thin, sheet metal fins which are bonded at right angles to the outside of the tube. When hot water passes through the tube, heat is conducted into the fins to disperse into the room, increasing the heating surface area of the tube.