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Habitat couple thankful mortgage paid - Lexington Herald-Leader
Ernest Turner held photos taken when the home was built in 1990. The top photo shows him and his wife Angela with Habitat for Humanity founder Millard Fuller, and the bottom photo shows Mayor Scotty Baesler speaking at the dedication. The Turners ...

Off to Work They Go - CFO.com
When The Economist asked academic economists in September which presidential candidate would pick the better economic team, a huge majority said Barack Obama. He has not disappointed them. The team he unveiled this past week is studded with stars of ...

End of era for Famous Bill's: Owner of China Gourmet and retired bank ... - Recorder
GREENFIELD -- An 81-year-old downtown landmark passed hands Monday in an auction with a surprise outcome. Bill's Restaurant on Federal Street was sold in a foreclosure auction to the owner of China Gourmet and the retired president of Greenfield ...

Obama's impressive economic team - Seattle Post Intelligencer
When The Economist asked academic economists in September which presidential candidate would pick the better economic team, a huge majority said Barack Obama. He has not disappointed them. The team he unveiled this past week is studded with stars of ...

College dropout rate at 25% - Globe and Mail
AFS @Calgary from Canada writes: I think that drop out rate is suspiciously low. I think if you look at the hard sciences and engineering, the drop out/flunk out rate is more than 50%. Even at polytechnic colleges, I have seen drop out rates higher ...

Fighting to help Big Three, McGuinty says - Globe and Mail
gilles monenemie from Montreal, Canada writes: I drove an AMC Pacer (the spaceship with wheels) the worst car ever, i am glad we didn't have dalton around to save AMC. GM sold 45% less cars than a year ago. The product is crap. its not toyota and ...

About Joe the Plumber, “average” guy - Christian Science Monitor
Since his arrival on the American political stage a week ago, Joe the Plumber (a.k.a. Samuel Joseph Wurzelbacher) has been a dominant force in the coverage of the presidential race. There have been skeptical pieces pointing out his name really isn ...

Lynn pols outraged over toll hike plan - Daily Evening Item
LYNN - The Massachusetts Turnpike Authority's Board of Directors voted Friday in favor of a proposal that would dramatically increase highway tolls in Greater Boston. The Ted Williams Tunnel toll would increase from $3.50 to $7 if the measure ...

Piramal Glass announces layoffs - Daily Journal
PARK HILLS — Layoffs are planned for approximately 40 percent of the workforce at Piramal Glass, 1000 Taylor Ave. in Park Hills. Layoff notices for 160 hourly union employees were posted Monday while approximately 30 salaried workers were notified ...

Obama Wins Landslide In South Carolina - Common Dreams
Barack Obama won a landslide victory in South Carolina last night, gaining valuable momentum ahead of the Democrats' multi-state contest on February 5. With all results in, Obama took more than twice as many votes as Hillary Clinton, winning 55% of ...

Today's Mortgage Terms starting with P

Payment Cap: A limit on the size of the monthly payment of an adjustable-rate mortgage or other variable rate loan.

Point: A point is equivalent to 1 percent of a mortgage loan. Lenders might charge "origination points" to cover expenses of processing a loan. Some borrowers might pay "discount points" to reduce the loan's interest rate.

Pre-Approval: The process of calculating how much money a potential homebuyer could borrow.

Prepayment Penalty: A lender's charge to the borrower for paying down the loan before the end of its term.

Pre-Qualification: A non-binding process of calculating how much money a potential homebuyer can borrow before applying for a loan. Information submitted during pre-qualification is subject to verification at application.

Principal: It is the amount of money borrowed or owed, excluding interest.

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