First-time home buyers may feel overwhelmed by the process of applying for a mortgage. However, the process of _____(1) money to buy a house is not very complicated.

First, you will have to fill out a form giving information about your financial situation. You need to show that you have a good income. It is also important not to have a lot of _____(2)

If you already owe a lot of money, the bank may hesitate to lend you more. Then, you will have to make a _____(3), usually about 10 percent of the total price of the house.

The bank lends you the rest of the money for the purchase.

To: All staff
From: Jessica Houston, Store Manager
Date: Tuesday, March 29 / Subject: Reminders

It has come to my attention that many customers who recently visited our store have complained about the attitudes of some staff members.

Please be reminded that our objective is to bring our customers the best service at all times, and the quality of the service we provide is dependent on each store staff member who _____(1) serves customers.

Let us get back to basics and start by greeting customers with a smile and asking if they need help with anything. _____(2), please do not just walk away after you are done assisting customers. Instead, ask them once more if they need further _____(3).

_____(4). I will be expecting better attitudes from all store staff members and, hopefully, greater satisfaction from our customers as well.

Charles Nave 3739 Dale Avenue Seattle, WA 98161

Dear Mr. Nave,

This is in reply to your inquiry about discounts for regular clients. Our company _____(1) offers them, but they are not applicable in all cases. _____(2). Only headquarters has the authority to further reduce the price of your order. Therefore, we _____(3) your request to our staff there and we are waiting to hear back from them. If they provide an estimate, we will send it to you and wait for your approval. It should take just three business days to complete the order after obtaining your _____(4) to proceed. The invoice will be mailed to you separately. We appreciate your understanding.

Sincerely, Edie Harris

Attention, all employees,

Please be advised that effective November 12, the intranet portal will be inspected and will therefore be shut down until the inspection is over. The inspection is expected to take about 3 days, as estimated by the technical _____(1) from the IT Department.

This non-periodic inspection will mainly examine the intranet portal’s network, which has consistently been pointed out as a problem despite _____(2) measures to fix it. This time, therefore, we are shutting down the entire portal temporarily for a thorough inspection.

Since all file transfers will be limited while the inspection is taking place, if you need to _____(3) any files, please do so before November 12. _____(4).

To: Design Team
From: Donald Karan 
Date: June 14 
Subject: Lunch 

Hello everyone,

I first would like to thank and congratulate you all on your hard work this season. The collection was a great critical success. Because we've been so busy, we haven't had time to sit down together and discuss some different ideas for next season. 

I'd like to invite everyone to lunch tomorrow at Maharani's. We'll meet at 1 o'clock and this will also give everyone a chance to meet our team's newest member, Antonio Musco. Antonio will be developing a new line of accessories for our company, and I'm sure he will become a valuable member of our team.

If you would like to attend this meeting, please call Eva Green sometime this afternoon so that she can make a reservation at the restaurant. I look forward to seeing you all, and congratulations again on a job well done. 

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We have compiled a vast network of trained experts who speak English and one or more additional languages. All of our experts can translate oral communications to and from English. -[1]-. A select few can also translate written materials such as books, manuals, and Web sites. Each interpreter in our network has passed thorough language testing and completed interpretation skills training. After each concluded project, we collect evaluations from our customers. -[2]-. This is to facilitate quality assurance and ensure that we continue to offer the best services available.

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Special summer offer!

Members of the Pendleton gym can take advantage of a new special offer this summer.

Monthly passes to the West Springfield Swim Center are available at a 50 percent discount to Pendleton members.

Passes can be purchased at the gym office in Room 2, which is open from 9:00 A. M to 3:00 P. M.

To receive the discount, members must show a valid membership card.

Rivendale Magazine publishes letters to the editor in every issue. Submissions should be no longer than 150 words and should refer to stories that have appeared in the magazine within the last week. All letters must include the writer's name, address and telephone number.

Rivendale Magazine cannot guarantee that all letters will be published. If your letter is chosen, you will be notified within five days. Submissions may also be shortened and edited at the magazine's discretion. Those wishing to make submissions must send them to letters@rivendaleweekly.com, or fax them to (210)555-4677. Letters must be submitted by Wednesday 1 p.m. to be eligible for publication in the next week's issue.

Dorothy Lee [4:15]
You're the intern in charge of booking Mr. Parker's flight to Las Vegas, right? He asked me to tell you there's been a change, and he needs to leave on June 9 and return on the 14th.

James Harter [4:18]
I haven't done it yet because I need his frequent flier number to check his points balance. I was going to ask for it earlier, but he and the other supervisors are still in a meeting.

Dorothy Lee [4:20]
I've got that information somewhere. I'm his personal assistant, so you can contact me anytime you need details like that. Let me find it.

Dorothy Lee [4:24]
It's KLJO294SB1.

James Harter [4:25]
Got it. I'm checking now.

James Harter [4:28]
He hasn't got enough points to cover a round-trip. Should we still use them?

Dorothy Lee [4:29]
Don't bother. We can save them for a future flight.

James Harter [4:30]
OK. I'll go ahead and make the booking now.

Dorothy Lee [4:30]
Send me the confirmation by e-mail. Thanks, James.

Opening Ceremony for New Research Wing

Countydale Hospital is proud to announce that construction on the new 20 million dollar research wing has been completed. To celebrate the occasion, the hospital has decided to hold a special ceremony on Saturday, May 14, at 4 pm. All hospital staff, patients, and city residents are welcome to attend. Below is a basic overview of the schedule of events:

4:00 p.m. - James Rosenthal, Director of Countydale Hospital, will give an introductory speech.

5:00 p.m. - Dr. Merriam Way will discuss the research work that will take place in the new wing.

6:00 p.m. - Gary Paulson Jr., President of Wilson Pharmaceuticals, will talk about his 15 million-dollar contribution to the new wing.

7:00 p.m. - The children of City Elementary School will sing a few songs.

7:30 p.m. - Dr. Steven Fellows, Countydale Chief of Surgery, will cut the ribbon and open the doors.

8:00 p.m. - Patients and staff will be invited to enjoy cake and refreshments in the reception area of the new Paulson Research Wing.

George Macdonald
I heard a new marketing manager has been appointed.
11:19 A.M.

Adam Daniels
Yes, I heard that, too. Mr. Hann is finally retiring. I’m going to miss him.
11:20 A.M.

George Macdonald
Can you believe Mr. Hann has worked at Fast Tech for almost twenty years? He was a great leader.
11:22 A.M.

Adam Daniels
I cannot agree more.
11:25 A.M.

George Macdonald
It’s too bad to see yet another one of our few remaining original staff members go.
11:26 A.M.

Adam Daniels
You’re right, but I’m sure Ms. Healy will do just as well as Mr. Hann.
11:27 A.M.

Shannon Grant 6:39 P.M.
Hey guys, we need to sort out who’s going to bring what to our annual birdwatching club outing to Crimson Falls next week.

Thomas Gagne 6:41 P.M.
I’ll bring the kitchen utensils. I think we should all bring our own cutlery instead of using plastic ones to minimize the amount of garbage.

Larry Olson 6:43 P.M.
That’s a good idea.

Shannon Grant 6:46 P.M.
I can bring a tent and some other outdoor equipment. My dad goes rock climbing a lot, so he has loads of outdoor equipment in the garage. I’ll pick up some things from his pile.

Jamie Smith 6:50 P.M.
Sam and I will be in charge of food. We are going grocery shopping tomorrow. Any special requests?

Larry Olson 6:52 P.M.
I’ll bring some extra blankets in case it rains or it gets too cold inside the tent at night.

Shannon Grant 6:53 P.M.
That’s a great idea. Thanks, Larry.

Thomas Gagne 6:53 P.M.
Jamie, don’t forget the marshmallows!

Jamie Smith 6:54 P.M.
You know that will never happen. Even if I did, Sam would definitely be there to remind me.

Sam Lorenzo 6:55 P.M.
Certainly, they are the first on my shopping list.

Shannon Grant 6:56 P.M.
Okay. I will check up with you guys again in two days to go over the final preparations and our activity schedule.

From the Offices of
Doctor Calvin Hoffman
27 Shilling Road * Canton, IL 61520
(309) 555-0128

Because your health is important to us, we would like to remind you that it's time for your examination. We look forward to seeing you!

Please call today to schedule an appointment

Your appointment is on

Monday, September 8 at 8:30 AM.

Note: If you cannot keep your appointment, please provide at least 24 hours advance notice or you will be charged a fee.

The Manor at Aldous Street
in one of Barchester's most livable neighborhoods

Parkhurst's newest apartment building offers city life at its most comfortable and convenient. The Manor at Aldous Street has a wide array of shops and fine restaurant just outside its door. And for commuters to the city center, public transportation is available at the Queens Landing station, just a short walk to the north.

Our apartment units range from one to three bedrooms. Each units has the following:
a full-sized kitchen complete with newly installed refrigerator, oven, and dishwashing machine; a dining room separate from the kitchen; and a spacious sitting room with balcony access.

Residents will also have access to complimentary high-speed Internet, shared laundry facilities, and, for an additional monthly fee, the parking garage.

Tour an apartment at The Manor at Aldous Street today. Call Henman Estate Agents at 0430-555-0108 to schedule an appointment.

Visit our Web site at www. henmanestateagents. com. au/themanorataldousstreet for apartment floor plans, photos of the building, and a map of the Parkhurst neighborhood.
Units will be available beginning on April 1.

MEMO

To: All new hires
From: Edwin Mallory, Human Resources Director
Re: Training session

All new hires are required to attend a training session which will take place on Friday, October 12 from 9:30 A.M until 3:30 P.M. The session will be conducted in Meeting Room 3, and lunch will be provided. During the session you will get an overview of company policies and procedures. You will also be updated on changes in the benefits package and learn about professional development opportunities you will be required to participate in so that you can keep up with changes in your field. Attendance at this training is mandatory for everyone hired since June of this year. There will be no excuses.

To: Edwin Mallory
From: Amelia Foote
Subject: Training session

Dear Mr. Mallory,

I just learned from your memo that I will be required to attend the training session on October 12. Unfortunately, I had already planned to be out of the office that week attending my niece's wedding. My supervisor has given me permission to take that time off, and I have already purchased my plane tickets. I didn't know about the date of the training session when I set up these plans, and it will be very difficult to change them now. My mentor suggested that I ask you for permission to miss this training session. I am willing to attend the next session instead. I hope you don't reject this offer. It is very important to me to be able to attend this family event. Thank you.

Amelia Foote