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"A miff loan: any loan judged to be an unnecessary waste of funds, which usually causes the lender or other parties involved to be miffed (offended, annoyed)." (Source unknown)
Often, in English as in other languages, the word on the page may not sound or appear to be the same once pronounced or spelled out correctly in accordance with the rules of the particular language.
The other day a Francophone client of ours at Canada Mortgage and Housing Corporation (CMHC) had the unenviable task of establishing whether, in using the abbreviation for "Mortgage Insurance Fund," it was correct to write "a MIF loan" or "an MIF loan."
We simply reminded the client of the general rule for words such as nouns, adjectives and adverbs: one should first consider, not the spelling, but the sound of the word as it is pronounced, in particular the sound of its first letter. In order to determine whether a or an should be selected, consider what the sound is when the word in question is read aloud. For figures and numbers, as well as for initialisms, i.e. abbreviations formed from the initial letters of a series of words and not pronounceable as words, consider the sound of the first number or letter. Here are a few examples:
These examples are consistent with correct English usage and observe the rule governing the use of a or an before vowels and consonants. At first glance, there appears to be no consistency since both a and an are used in examples containing consonants and vowels. However, one only has to remember that it is the consonant or vowel sound following the article that determines whether a or an should be used. The following two guidelines are supported by the examples given:
Thus, our CMHC client recognized that "a MIF loan" would be justified only if "MIF" was considered to be an acronym and was therefore pronounced as a word to read: "a miff loan" (see definition given earlier). Since this was not the case, he experienced no difficulty in understanding that the only answer possible was "an MIF loan," because of the vowel sound "em" of the initial letter of "MIF," which is in fact an initialism, not an acronym.
The following is a list of examples provided for those of you who wish to test your knowledge and comprehension of the rule governing the use of the indefinite article in English:
A Question of Sound, not Sight
(Answers to the Test)
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