
Savings
and Loan Association
Financial
institution that specializes in originating, servicing and holding mortgage
loans, primarily on owner-occupied, residential property. S & L's also
make home-improvement loans and loans to investors for apartments, industrial
property and commercial real estate. Approximately 40% of the S & L's
are federally chartered, the rest are state chartered. Federal charters
are members of the Federal Home Loan Bank System (FHLBS). All federally
chartered S& L's are owned by depositors and the word "federal" must
appear in their title. State chartered S & L's can be either mutually
owed or stock associations. They have optional membership in both the FHLBS
and the FSLIC.
Saw
A
cutting tool of different sizes and shapes, consisting of a thin bade or
disk of metal, with an edge of a series of sharp teeth, which can be worked
by hand or machinery.
Saw
Arbor
The
shaft, which is turned by a motor, on which the blade of a power driven
circular saw is mounted.
Saw,
Back
Hand
saw with fine teeth and a stiffened back on the blade, which is used with
a miter box to cut angles.
Saw
Blade
The
cutting portion of a saw.
Saw
Buck
Brace
for wood cutting, which is made of two sets of 2 x 4's which are connected
in two X-shaped sections, hinged where the legs cross, and are then connected
from center joint to center joint by an additional piece so that they can
stand upright to hold a length of wood.
Saw,
Chain
Power
saw that consists of a cutting chain of a number of pinned together, flexible
links, which travel around the guide bar. The inside surface of the chain
have the tangs which ride in a groove along the length of the bar guide,
holding the chain in place. The outside length of the chain has the cutting
teeth spaced along its length. Chain saws are used for rough sawing.
Saw,
Circular
Hand-held
power saw that has a flat, circular blade attached to a shaft that is worked
by a motor. Commonly used for construction, the cutting action of the blade
is provided by the teeth on the outside diameter of the blade.
Saw,
Coping
Saw,
used for cutting curves and coped joints, it has a narrow blade with fine
teeth which is stretch between the ends of a U shaped handle.
Saw,
Crosscut
Saw
which has teeth set with every other one bent a little to the right or
left to make fast cuts. Used to cut across the grain of wood.
Saw
File
File
that is made to sharpen saw blades.
Saw
Horse
Movable,
trestle type bench that supports the work being cut.
Saw
Kerf
A
cut or groove that is the width of a saw blade.
Saw,
Keyhole
Handsaw
with a blade tapered to a point so that it can fit into a drilled hole
to make a cut that doesn't extend to the materials edge.
Saw,
Reciprocating
Power
saw whose blade moves back and forth along the axis of the blade.
Saw,
Rip
Saw
whose teeth are positioned to cut with the grain of the wood.
Saw,
Saber
Portable
power saw, with a narrow blade, which moves back and forth to make cuts.
The blades which are held by a vertical collar with an attached metal shoe
that rest on the work in progress, can be changed to suit the various materials
to be cut. The blades of 5/16 of an inch or less are suited to cut around
curves and corners and the vertical collar can hold the blade at different
angles to the work, allowing flexibility to turn the blade in a different
direction from the saw body.
Saw
Set
Tool
used to set the saw teeth at the correct angle to the plane of the blade
so that the saw can cut without binding.
Saw
Teeth
Points
on a saw blade that do the cutting.
Saw-tooth
Roof
Pitched
roof that looks like a saw.
Saw
Vise
Vise
which holds a blade firmly enough to be sharpened without causing damage
to the blade.
S-Beam
Structural
steel beam with a letter S shaped cross-section. S-beams are used for support
with long spans such as basement beams or over wide openings. S-beams should
always be slightly larger than the calculated size, ensuring enough strength
for the weight it will support.
SBA
see
Small Business Administration
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