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2. Lien waiver - Wikipedia

   en.wikipedia.org/wiki/Lien_waiver

   Owners should demand this release when they are paid in full. Some states allow an Unconditional Release upon final payment that is used to induce the final payment. It is an inherent vagary in the lien release law. In the United States, some states only use a conditional waiver on progress payment and an unconditional waiver on final payment.

3. Punch list - Wikipedia

   en.wikipedia.org/wiki/Punch_list

   In the United States construction industry, contract agreements are usually written to allow the owner to withhold (retain) the final payment to the general contractor as "retainage". [3] The contractor is bound by the contract to complete a list of contract items, called a punch list, in order to receive final payment from the owner.

4. Accord and satisfaction - Wikipedia

   en.wikipedia.org/wiki/Accord_and_satisfaction

   Another example would be where a lender agrees to lend $100,000 at 5.0% interest for 30 years, and at the closing the loan documents are all drawn up for a loan with a 6.0% interest rate. If the lender agrees to reduce the closing costs by an extra $1000 and the borrowers agree, then there has been an accord and satisfaction.

5. Legal release - Wikipedia

   en.wikipedia.org/wiki/Legal_release

   Generally a release is of the form: For good and valuable consideration , the receipt of which is hereby acknowledged, I, the releasor, release the releasee for any and all claims I may have against the releasee up to the date of the signing of this release [relating to or arising from _____________].

6. Dry January: What is it and how beneficial can giving up ...

   www.aol.com/dry-january-beneficial-giving...

   If you are concerned about yourself or a loved one, call the Substance Abuse and Mental Health Services Administration's (SAMSA) confidential, free, 24-hour-a-day, 365-day-a-year helpline at 1-800 ...

7. California could allow undocumented residents to qualify for ...

   www.aol.com/california-could-allow-undocumented...

   A California lawmaker is leading the charge to make undocumented residents eligible for a popular state-backed home loan program, weeks before it gives out another $250 million in down payment ...