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 and wine are made by fermentation of plant material that contain sugar or starch. Spirits or liquor (vodka, gin, scotch, whiskey, etc) on the other hand is made by fermentation followed by distillation, which is boiling the mixture then using condensation.