Fixed Rate Mortgages Versus Adjustable Rate Mortgages
Adjustable rate mortgage loans are widely blamed to be the source or at least the igniter of this economic hardship that the whole world is going through. Lots of individuals whether they were aware of it or not were taking on loans that they couldnt afford in the first place, which lead them to default en masse. This happened because an adjustable rate mortgage or ARM, comes with an initial low interest rate, which is lower than the rate for a similar loan would be with a fixed rate mortgage.
After that honeymoon period of a couple of years, the rates start to adjust and as weve seen they adjusted up, way beyond the rates of a fixed rate loan for the same amount. The crucial factor when considering an adjustable rate loan is the amount of time that youll be spending in the home. The inherent problem with adjustable rate loans, whether theyre in Denver or not, is the fact that no one can predict the future of interest rates or of the real estate market in general.
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Note: What follows is a complicated method for making liquid soap based on Catherine Failor’s book on the subject of clear liquid soap. I wrote this post five years ago, and have gained a lot of experience in the meantime. If you read this tutorial and want to tear your hair out, see how I make liquid soap now, the easy way, here. In preface to this post, I want to say that this isn’t the only way to make liquid soap.
In fact, the more I research liquid soap, the more I realize how inventive, creative, and limitless it is. What I’m going to present in this post is how to make clear liquid soap, using Making Natural Liquid Soaps by Catherine Failor, among other resources. Liquid soap, like any soap, is created by combining fat with lye. The fat can be all sorts of things--but for liquid soap, as opposed to hard soap, coconut oil (for lathering) in combination primarily with soft oils is generally recommended. Soft oils are oils that are liquid at room temperature (such as olive oil).
You can use hard fats, but if you are in pursuit of clear liquid soap specifically, it may make your effort more difficult. When formulating your own recipes, research the types of oils/fats you want to use. Even amongst soft oils, every oil behaves differently. The lye used in solid soap is sodium hydroxide, otherwise known as caustic soda.
Liquid soap requires a different type of lye-potassium hydroxide (caustic potash). Potassium hydroxide is more soluble than sodium hydroxide, which makes liquid soap possible. The same safety precautions remain-use goggles and gloves when handling potassium hydroxide, avoid inhaling fumes, and store securely out of reach of children and pets. You don’t have to learn how to make solid soap before learning to make liquid soap, but if you’ve already tried your hand at solid soap, you’ll find some of the procedures in liquid soap to be comfortingly familiar.
