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Appropriation	Appropriation is the way a taxing body authorizes the expenditure of funds and provides for the sources of funding. Appropriation generally involves the adoption of an ordinance or the passage of a law that states the specific terms of the proposed taxation.
Approriative Water Rights	A water right favored in some states where an owner has the exclusive rights to take all the water for specific beneficial uses.
Appurtenant	Belonging to; adjunctive; appended or annexed to. For example, the garage is appurtenant to the house, and the common interest in the common elements of a condominium is appurtenant to each apartment. Appurtenant items run with the land when the property is transferred.
Builder’s Risk Insurance	Insurance covering perils resulting in loss caused by the builder's operations on the borrower's property. Usually required by property owners and by construction lenders when a contractor is hired to make improvements in an existing building or to construct a new building.
Building Code	Laws, usually but not always enacted by local government units, that set safety and fire protection standards. These codes affect the materials and methods used in the construction of buildings. For example, a code provision might require sprinkler systems in motel rooms.
Building Insurance	Lenders may insist that you take out this cover. It protects you and the lender in case the building falls down or is fundamentally damaged. Most lenders will offer this as part of the mortgage, but you are not required to take it from them.
Commercial Letter Of Credit	An obligation issued by a bank on behalf of a bank customer to a third party. A commercial or trade letter of credit is a bank promise to pay the third party for the purchase of goods by the bank’s customer. If the bank’s obligation to pay is not immediate, the transaction can later give rise to a banker’s acceptance. Also called trade letter of credit.
Commercial Loan Theory Of Liquidity	An explanation of bank liquidity described by Adam Smith: short-term loans advanced to finance salable goods on the way from producer to consumer are the most liquid loans the bank can make. These are self-liquidating loans because the goods being financed will soon be sold. The loan finances a transaction and the transaction itself provides the borrower with the funds to repay the bank. Adam Smith described these loans as liquid because their purpose and their collateral were liquid. The goods move quickly from the producers through the distributors to the retail outlet and then are purchased by the ultimate cash-paying consumer. Also called the real bills doctrine.
Commercial Paper	A short term debt represented by a note issued by a corporation with a good to excellent credit rating to raise cash quickly. Typically, commercial paper matures is a little as a week and as many as 270 days.
Defect	A condition that materially affects the value or use of residential property in an adverse manner.
Defect Of Record	Any encumbrance on a title that is made a part of the public record. Recorded defects include judgments, deeds of trust, mortgages, other liens and easements.
Deferred Capital Gain	The part of the realized gain that is tax deferred.
Economic User Sectors (or Markets)	Estimates of quantities used and user expenditures for pesticides are broken out separately for the three general economic user sectors (or markets) as follows: agriculture, industrial/commercial/governmental, and home/garden.
Ecosystem	The interacting synergism of all living organisms in a particular environment; every plant, insect, aquatic animal, bird, or land species that forms a complex web of interdependency. An action taken at any level in the food chain, use of a pesticide for example, has a potential domino effect on every other occupant of that system.
Effluent	Wastewater discharged from a point source, such as a pipe.
Fee Simple Estate	An unconditional, unlimited estate of inheritance that represents the greatest estate and most extensive interest in land that can be enjoyed. It is of perpetual duration. When the real estate is in a condominium project, the unit owner is the exclusive owner only of the air space within his or her portion of the building (the unit) and is an owner in common with respect to the land and other common portions of the property.
Fee Simple Subject To A Condition Subsequent	A fee simple subject to a condition subsequent is an estate conveyed "provided that," "on the condition that" or "if" it is used for a specific purpose. If it is no longer used for that purpose, it reverts to the original grantor or his heirs. This type of estate is much the same as a fee determinable, except that in a fee determinable conveyance, the words are of duration while a fee condition subsequent refers strictly to a specific condition. In addition, unlike a fee determinable, when fee condition subsequent property is no longer used for its prescribed purpose, the original grantor (or heirs) must physically retake possession of the property within a reasonable period of time after the breach (i.e., the grantor must exercise his or her right of reentry). Any transaction involving a fee simple defeasible estate should be referred to an attorney for a professional opinion.
Fee Title	The maximum possible estate one can possess in real property. A fee title estate is the least limited interest and the most complete and absolute ownership in land; it is of indefinite duration, freely transferable and inheritable. A "fee title" is sometimes referred to as "the fee."
Gerrymandering	the construction of an election district so as to give a distinct advantage to one party or group over another. This process was named after Elbridge Gerry.
Goals	Within the context of affirmative action, an ideal to reach for as one measure of nondiscrimination and of the effectiveness of efforts.
General Assembly	one of the principal organs of the United Nations consisting of all Member States; issues declarations and adopts conventions on human rights issues; its actions are governed by the Charter of the United Nations.
High Balance Charge	A fee charged by the lender when the balance exceeds the credit limit on the account. A lender may allow the borrower to exceed the credit limit without any special warning, and therefore he/she may not know it until receiving the monthly statement. Also known as high balance charge
High Credit	Entry on a trade line of a credit file to indicate the highest amount charged by the consumer over the time period reviewed.
High-ltv Equity Loan	A specific kind of home loan that causes your loan-to-value ratio to be 125% or more. When the total principal of a loan leaves the borrower with debt that exceeds the fair market value of the home, the interest paid on the portion of the loan above that value may not be tax deductible.
Insurance	protection against a specific loss, such as fire, wind etc., over a period of time that is secured by the payment of a regularly scheduled premium.
Insurance Binder	A temporary insurance arrangement usually put in force until a permanent policy can be obtained.
Intangible Characteristics	Attributes that are not directly measurable or quantifiable, and therefore must be expressed in a qualitative or abstract manner.
Junior Mortgage	A loan that subordinate to the primary loan.
Junction Box	A rectangular metal or plastic box that provides a nexis (junction) for a home's electrical wiring system. Protects the wiring from the elements.
Joint Application	an application in which the invention is presented as that of two or more persons
Knowledge Mapping	The process of creating, acquiring, sharing and managing knowledge to augment individual and organizational performance.
Knowledge, Skills And Abilities (ksa's)	The attributes required to perform a job; generally demonstrated through qualifying experience, education or training.
Knowledge Worker	Employees whose job functions are primarily of an intellectual nature.
Land Contract	Contractual arrangement used in some states under which a buyer purchases real estate from a seller over a period of time, usually by making periodic installment payments. Title is not conveyed to the buyer until the final payment is made. Also called an article of agreement.
Land Flip	A colloquial expression used by some lenders and real estate developers to describe an abuse intended to overstate the purchase price of real estate collateral. Typically a land flip involves a sale of real estate at an inflated price that is not an arm’s length transaction. An example of this kind of abuse might be a property purchased by X for $50,000 and one year later sold to a partnership involving X for $100,000.
Landlord's Waiver	A loan document used in a number of different situations. Most often used when inventory or equipment lenders are secured by collateral located in premises leased by the borrower. In those cases, the secured lender may request a landlord’s waiver to establish the lender’s right to enter the premises and to control or remove the collateral. May also be used to obtain a landlord’s permission and waiver of rights when a lender takes a security interest in leasehold improvements made by a borrower/tenant.
Mortgage Insurance Deduction	the interest cost of a mortgage, which is a tax - deductible expense. The interest reduces the taxable income of taxpayers.
Mortgage-interest Deduction	The tax write-off that the Internal Revenue Service allows most owners to claim for the annual interest payments they make on their real estate loans.
Mortgage Lien	A lien or charge on the property of a mortgagor that secures the underlying debt obligations.
Negotiating Bank	The bank that reviews the documents required in the letter of credit for compliance with its terms and remits payment to the beneficiary. The bank may be specifically named in the letter of credit, or may be a bank chosen by the seller.
Net Assets (also Called Total Net Assets)	Total assets (fixed and current) less current liabilities and long-term liabilities that have not been capitalised (eg, short-term loans).
Non–recourse	a type of borrowing in which the lessor is not at risk for the borrowed funds. The lender is expecting repayment from the lessee and/or the salvage value of the leased asset, so, the lender's credit decision will be based on the creditworthiness of the lessee as well as the expected salvage value of the leased asset.
Overrule	In a trial, to overrule means to reject an objection.
Overtime Compensation	A higher rate of pay (usually 1.5 or 2 times the regular hourly rate) an employer is obligated to pay employees who work more than a certain number of hours in a day or week.
On The Record	Your advisor is officially representing you. They are likely to write and receive letters on your behalf and represent you at any hearings (unless they have specifically stated otherwise).
Permanent Total Disability (ptd)	PTD benefits are available if an injured employee is permanently and totally disabled from work.
Petition For Review	Workers’ Compensation Commission form used by any party requesting an appeal before the Commission’s Compensation Review Board.
Physical Therapy (pt)	Many injured employees are entitled to receive physical therapy as a form of medical treatment to recover from injuries. On forms, or in medical records, you may see a reference to "PT." That is short for "physical therapy."
Quality	The composite of material attributes, including performance features and characteristic, of a product or service to satisfy a given need.
Quality Assurance Random Copies	Copies of the product requested on the purchase order that are shipped to the Quality Assurance Section (or regional office) for a QATAP inspection.
Quality Assurance Through Attributes Program (qatap)	The Government Printing Office's quality assurance program for specifying and evaluating the quality of printing, binding, and related services.
Regional Home Health Intermediary (rhhi)	A private company that contracts with Medicare to pay home health bills and check on the quality of home health care.
Remaining Lifetime Home Health Care Benefits (dollars)	Under a policy design with separate pools of benefits, paying on the basis of dollars for covered services, the total dollar amount of care remaining available to the insured in the Home Health Care Benefit Pool.
Remaining Lifetime Nursing Home Benefits (days)	Under a policy design with separate pools of benefits, paying on the basis of days of covered services, the total number of days of care remaining available to the insured in the Nursing Home Benefit Pool.
Secondary Boycott	An organized refusal to purchase the products of, do business with or perform services for (such as deliver goods) a company which is doing business with another company where the employees are on strike or in a labor dispute.
Secret Rebate	A kickback of money by a business to a "preferred" customer, not offered to the public or by a subcontractor to a contractor not shown on a job estimate. Both are illegal in most states as unfair business practices and may result in criminal charges.
Secretary (corporate Secretary)	A corporate officer, elected by the directors, usually charged with record-keeping responsibilities.
Telemedicine	Health care consultation and education using telecommunication networks to transmit information.
Temporary Assistance To Need Families (tanf)	A state-based Federal cash assistance program for low-income families. TANF replaces the former cash assistance program known as Aid to Families with Dependent Children (AFDC). Unlike the former AFDC program, eligibility for TANF does not automatically convey Medicaid eligibility. Low-income families can qualify for Medicaid based on the AFDC rules in effect in the State on July 16, 1996.
Temporary Central Line	A central line that is not tunneled.
Unsafe Acts	Any action, such as horseplay, fighting, failing to abide by a safety rule, etc., that results in accident or injury to another.
Unsafe Conditions	Hazards, such as faulty equipment or tools,improper safety procedures, failure to improperly guard equipment, etc., that result or have the potential to result in an accident or injury to another.
Unskilled Worker	Someone who is not required to use reasoning in their work: Examples: packager, assembler,laborer, hand, apprentice
Vapor	The gas given off by substances that are solids or liquids at ordinary atmospheric pressure and temperatures.
Vapor Density	The amount of mass of a vapor per unit volume of the vapor.
Vapor Dispersion	The movement of vapor clouds or plumes in the air due to wind, gravity, spreading, and mixing.
Waiver	The intentional or voluntary yielding or relinquishment of a known legal claim, right or privilege.
Warrant	A writ issued by a judge or competent authority, directing a Sheriff or officer to make an arrest or search.C661
Warranties	promises made in a contract, but which are less than a condition. Failure of a warranty results in liability to pay damages (see the financial terms below) but will not be a breach of contract unlike failure of a condition, which does breach the contract.
X12n/sptg4	The HIPAA Liaison Special Task Group of the Insurance Subcommittee (N) of X12. This group's responsibilities have been assumed by X12N/TG3/WG3.
X12n/tg1	The Property & Casualty Task Group (TG1) of the Insurance Subcommittee (N) of X12.
X12n/tg2	The Health Care Task Group (TG2) of the Insurance Subcommittee (N) of X12.
Ytm	An acronym for Yield to Maturity
Youthful Offender	A person, adjudicated in criminal court, who may be above the statutory age limit for juvniles but is below a specified upper age limit, for whom special correctional commitments and special record-sealing procedures are made available by statute.
Yield Capitalization	A capitalization method used to convert future benefits to present value by discounting each future benefit at an appropriate yield rate or by developing an overall rate that reflects the investment's income pattern, value change, and yield rate.
Z Tranche	A Z tranche is a CMO tranche. With the exception of jump Z tranches, owners of the Z tranche receive no cash flow from underlying mortgage collateral until the other tranches are retired. During the period when other tranches are still outstanding, the owners of the Z tranche receive credit for periodic interest. Those credits increase the face value of the tranche but are not paid to the owners. The Z bond may be, but does not have to be, the last tranche in a CMO structure that is retired. Sometimes called an accretion bond or an accrual bond.
Zba	An acronym for Zero Balance Account
Zero Cost Collar	The purchase of a floor (or cap) option with the proceeds realized from simultaneous sale of a cap (or floor) option. The levels of the floor and cap are selected so that the proceeds from the option sold exactly offset the cost of the option purchased resulting in a net transaction cost of zero.

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Tyson Arbuthnot

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Associate

Law Firm Name:

Rogers Joseph O'Donnell A Professional Corporation

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Biography:

Mr. Arbuthnot is a member of the firms Construction Law, Complex Commercial Litigation and Government Contracts Practice Groups. Mr. Arbuthnot concentrates on resolving construction disputes, including delay and extra work claims, and other breach of contract issues. He also has experience with government contract, construction defect, and environmental issues that arise in the construction context. His practice extends to pursuing and defending lien, stop notice and bond claims. Mr. Arbuthnot

Rod A. Attebery

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Member

Law Firm Name:

Neumiller & Beardslee A Professional Corporation

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Agricultural trespasser

Biography:

Rod A. Attebery is principal attorney with Neumiller & Beardslee whose practice focuses on land use, environmental, public agency, energy, and natural resources law, as well as CEQA, Proposition 65, Subdivision Map Act, Zoning, and Waste Discharge. Mr. Attebery belongs to the San Joaquin County andAmerican Bar Associations. He is also a member of theState Bar of California where he is part of the Environmental Law Section. Mr. Attebery is head of the firm’s Land Use and Public Agency practice g

Paul N. Balestracci

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Member

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Neumiller & Beardslee A Professional Corporation

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Agricultural trespasser
Commercial Law

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Paul N. Balestracci is a principal with Neumiller & Beardslee and heads the firm’s Litigation Department. He has been practicing law for over 30 years and has extensive experience in the areas of civil litigation, eminent domain, environmental litigation, real estate litigation, religious entities, trial and appellate practice. Prior to becoming an attorney with Neumiller & Beardslee, Mr. Balestracci was a Deputy District Attorney with San Joaquin County from 1979 to 1984, trying numerous case

Alan Wilhelmy

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Shareholder

Law Firm Name:

Rogers Joseph O'Donnell A Professional Corporation

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Mr. Wilhelmy is a member of the firm's Construction Law Practice Group. Mr. Wilhelmy has extensive experience representing architects, engineers, contractors, owners and suppliers in all phases of construction. Mr. Wilhelmy’s construction practice includes contract review and negotiation, insurance analysis, coverage and claims, and securing the rights of his clients to payment from preliminary notices to various payment remedies, including stop notices, mechanic’s liens and bond claims. He ha

Roland Nikles

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Shareholder

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Rogers Joseph O'Donnell A Professional Corporation

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Biography:

Mr. Nikles is a member of the firm's Construction Law Practice Group. Mr. Nikles has represented private and public owners, contractors, architects, and engineers on large, complex, and high-profile construction projects throughout California and the United States for the past 26 years. His experience encompasses a wide array of construction-industry matters from project finance, selection of project delivery methods, contract drafting, contract administration, project monitoring, scheduling a

California was the leading state of residence with an estimated 3.3 million Legal Permanent Residents (LPRs) s in 2010. The next leading states of residence were New York (1.6 million), Texas (1.2 million), and Florida (1.2 million). These four states were home to 58 percent of LPRs in 2010.
Department of Homeland Security

Seventy-six percent of all Legal Permanent Residents (LPRs) reside in the following ten states: alifornia, New York, Texas, Florida, New Jersey, Illinois, Massachusetts, Washington, Virginia, and Arizona.
Department of Homeland Security

Nonimmigrants are foreign nationals granted temporary entry into the United States.
Department of Homeland Security

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