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Merkel: All options open for German economic help - Associated Press
BERLIN (AP) -- German Chancellor Angela Merkel said Monday she is leaving "all options open" to stimulate Germany's flagging economy, but repeated she still does not favor immediate tax changes. Speaking at a party convention in Stuttgart, Merkel ...

TransUnion: 3Q mortgage delinquencies shoot higher - Boston Globe
NEW YORK— The percentage of people who are two months behind on their mortgages shot up in the third quarter from the same period last year, according to credit reporting agency TransUnion LLC. For the quarter ended Sept. 30, 3.96 percent of people ...

In four Union towns, taxes hit five figures - Newark Star-Ledger
The average homeowner's tax bill in four of Union County's 21 communities has now crossed the $10,000 mark, according to county tax officials. In Summit, Westfield, New Providence and Scotch Plains, the average homeowner is now looking at an annual ...

Home care workers vote for union-negotiated pact - Boston Globe
About 25,000 home care workers voted overwhelmingly in favor of a contract negotiated by Local 1199 of the Service Employees International Union. More than 98.5 percent ratified the contract with a state council that sets the terms of payment for the ...

New jobless claims drop from 16-year high - My West Texas
WASHINGTON - New jobless claims fell more than expected last week from a 16-year high, the government said Wednesday, though they remain at elevated levels due to the slowing economy. The Labor Department reported that initial requests for ...

Market Mover - American Reporter
BOCA RATON, Fla. -- The thoughts below were written three years and one month ago. No one cared about my ideas. On local and national radio for more than 14 years I made the same health care warning loud and clear to anyone who would listen. I'll try ...

Students lie, cheat, steal, but say they're good - My West Texas
NEW YORK - In the past year, 30 percent of U.S. high school students have stolen from a store and 64 percent have cheated on a test, according to a new, large-scale survey suggesting that Americans are too apathetic about ethical standards. Educators ...

COMMON PLEAS - Salem News Online
Eric L. Reed of Salem and Darlene K. Reed of Salem; dissolution sought. U.S. Bank Association v. Heather and Jeremy Minor, etc; foreclosure sought against property Teegarden Road, Hanover Township. First National Community Bank v. Dennis R. Vanmeter ...

Bush oil shale rules roil Mountain West - Politico.com
The Bush administration has issued rules that take the first step toward tapping an estimated 800 billion barrels of oil trapped in sedimentary rock in Wyoming, Utah and Colorado. Seven weeks after a congressional moratorium on oil shale development ...

Once a waitress, now just waiting - Las Vegas Sun
Jennette Nelson, one of many victims of the stagnant local economy, moved into this $200-a-week residence motel near the Strip after losing her job as a restaurant server. "In retrospect, I wish I saved that money," she says. Fifty-one-year-old ...

Today's Mortgage Terms starting with I

Index: An index is usually a widely published market rate such as LIBOR, T-Bill or 11th District Cost of Funds (COFI). Lenders use these indices to set the interest rates charged on mortgage loans. For ARM, a predetermined margin is added to the index to calculate the interest rate adjustment.

Initial Rate: The rate charged for the first interval of an ARM loan.

Interest: Compensation in the form of money paid for the use of money.

Interest Rate Cap: Caps limit the range that the interest rate on an adjustable rate mortgage can change in an adjustment interval during the term of the loan.

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