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cliff96's definitions

HELOC

Home equity line of credit
revolving credit (like a credit card) that uses one's home for collateral
Bob went to XYZ Bank to refi his second mortgage into a HELOC so he could have continued access to the equity in his home.
by Cliff96 September 2, 2005
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refi

1. (v) shortened form of refinance,
to pay off an existing loan with a new loan
2. (n) an application to refinance a loan
Bill went to the bank to refi his car loan.

Banker: I was working on that refi for bill. I doubt we can do it since his credit is jodido.
by Cliff96 September 4, 2005
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take a digger

1. Commonly used to describe an ungraceful fall.
2. Fall forward or trip and land on one's face
Derived from the volleyball slang- a Digshot is a desperation diving hit that results in a faceful of sand.
I wasn't paying attention and I took a digger when I tripped on the crack in the pavement. I can't believe I fell flat on my face.
by Cliff96 June 25, 2005
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piss and moan

to whine, complain or bitch about something in an annoying and aggravating manner
I hate hanging out with Bob anymore cuz all he does is piss and moan about losing his leg in that car accident.
by Cliff96 June 27, 2005
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tits out

state of having one's breasts exposed
common usage with public flashing
Kathy got drunk and ended up tits out. She was flashing everybody that stopped to look.
by Cliff96 July 27, 2005
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skin to win

1. used to descibe a wet t-shirt, best bikini or similar contest in which one or more contestants have started to remove said wet t-shirt or bikini. Since these are often judged by the audience, other contestants are forced to show more skin to have a chance at winning
2. contest in which showing breasts or more is required to win
The crowd went wild when that crazy chick took off her top. All the other contestants started doing the same since they knew it was now skin to win.
by Cliff96 July 27, 2005
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AD&D

Accidental death and dismemberment
A type of insurance that is characterized by a very low premium and payouts in the event of an accidental death, loss of a body part, or loss of the use of a body part (i.e. finger, leg, ear, head).
It's generally a comical type of policy because you can see how much each of your body parts is worth.
I got $2000 from my ad&d insurance policy when the shark bit my leg off.
by Cliff96 August 3, 2005
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