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Obama's pick to lead on health care gets hearing - News-Democrat
WASHINGTON -- Showing the emphasis that some lawmakers are putting on health care issues this year, former Sen. Tom Daschle will be the first of President-elect Barack Obama's Cabinet choices to undergo a hearing. Daschle, Obama's pick as the next ...

It's a new year, lets find something to look forward to - Orange County Register
It's a new year, so enough with all the bad stuff in 2008. Orange County has always shown the resilience to bounce back and move ahead despite the periodic downturns. So let's turn the calendar page and start anew. Here are some of the trends we see ...

Libor rate latest - This is Money
We explain Libor , its relationship with the bank rate and why it is so important in the credit crunch and for influencing mortgage pricing... Commentary: The three-month sterling Libor rate fell from 2.65% to 2.61% , announced at 12.00pm on Tuesday ...

Labatt pond hockey tournament expanding to 64 teams - Buffalo News
The second annual Labatt Blue Pond Hockey Tournament promises to be bigger and better this year. Officials from Erie County, the City of Buffalo and Labatt USA today announced they hope to attract a record crowd for the event, which will be held from ...

Brace yourself: 2009 likely to be worse than 2008, economists say - Milwaukee Journal Sentinel
Think 2008 was bad? From Washington and Wall Street to the internal forecasts at Wisconsin Energy Corp., economists uniformly expect 2009 to be worse. "I wouldn't trust any forecast that showed any recovery before the third or fourth quarter," said J ...

REAL ESTATE - News-Democrat
• 357 Breckenridge Drive; from Timothy R. Downing; to Ana-Maria Reyes; $132,000. • 22 Birdie Drive; from Mark E. Sauerwein and Linda K. Sauerwein; to Steven T. Lang and Michelle L. Lang; $225,500. • 400 S. 16th St.; from Clay Weygandts and Lang ...

Condo Meltdown - Daily Business Review
he Related Group of Florida has often been at the forefront of trends, including helping launch the glut of high-rise condo buildings in downtown Miami. Now one of the nation’s largest condo developers is taking the lead in the selloff of excess ...

Wanted: More Math and Science Teachers - ABC News
Jeremy Kennefick and Geoffrey Gailey are both new science teachers, one a career-changer, the other fresh out of graduate school. Both are teaching in high-poverty districts, where the needs are greatest. School officials are seeking more math and ...

Stocks Slump on Poor Jobs, Earnings News - MSN MoneyCentral
U.S. stocks closed sharply lower Wednesday. Profit warnings from Intel (INTC) and Time Warner (TWX) gave investors reasons to sell into recent market gains, as did an ADP survey showing a 693,000 plunge in U.S. private sector payrolls in December ...

Lingering cloud likely for Toledo-area economy in '09 - Toledo Blade
FACING unemployment in 27 days, John Rodriguez, Jr., gave up a house on which he no longer will be able to afford the payments, endured a Christmas short on cheer, and signed up for job re-training. "It ain't the way it's supposed to be, but it's the ...

Today's Mortgage Terms starting with B

Bankruptcy: A legal procedure in a federal court to relieve certain debts of a person or a business that is no longer able to pay its debts. Chapter 7 bankruptcy removes all debts. Chapter 13 lets a borrower with and income to pay bills off over a set period of time.

Bearer: The legal owner of a property.

Bill of Sale: A document that details the transfer of property.

Biweekly Mortgage: A mortgage with payments due every two weeks, totaling 26 payments a year, two payments more than a mortgage with monthly payments. The two extra payments lowers significantly the interest paid over the life of the mortgage.

Blanket Mortgage: A mortgage that includes more than one piece of real estate

Borrower (Mortgager): An individual who makes an application for and receives funds in the form of a loan and is obligated to repay the loan in full under the conditions of the loan.

Broker: An individual who gets buyers and sellers together and helps in negotiating contracts for a client.

Buy-Down Mortgage: A mortgage loan with a lower than market rate for a determined period of time.

Buyer’s Market: Market conditions that favor buyers. When there are more properties for sale than buyers, sellers may be forced to provide price discounts to close the transaction.

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