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Obama girls' first day of school puts media to the test - Rocky Mountain News
This photo provided by the Obama Transition Office shows President-elect Barack Obama getting his daughter Sasha, 7, ready for their first day of school in Washington, Monday, Jan. 5, 2009. The family is staying at the Hay Adams Hotel in Washington ...

A crowded kennel - Globe and Mail
Okay, let's recap. The U.S. housing market fell into a sinkhole. The country's most venerable financial institutions were teetering on the bring of failure. A mountain of toxic mortgage-based derivatives were contaminating anything that they touched ...

Survive and thrive: financial insecurity - Times Online
Financial insecurity is one of my specialist subjects, although I wish it wasn't. Anyone who has a business or a mortgage, rent to pay or debts to face - and who has watched the global economic collapse over the past few months - knows what it feels ...

The best of 2008 - Smoky Mountain News
Every year about this time, reporters dig out their old files and back editions and start cruising the headlines for the top stories of the year. Lucky for us, there never seems to be shortage of material for the “Year in Review” issue. A year ...

The gloom boom - Guardian Unlimited
What about those promises on House of Lords reform, you ask a senior cabinet minister? He puts on his portentous face: "Oh, I think our first priority has to be the economy ..." Cue familiar lecture on testing times, saving the world, Gordon's ...

Hip-Hop Rumors: Janet Mad At Beyonce? 50 Cent the Helpe... - allhiphop.com
I was around in the 90’s. I was on the fringes of the Music Industry back in those days, very much an outsider. I remember how the “people” or the “public” cried out about the media fueling fires and beefs like Pac and Biggie. Fast forward ...

New Forth Bridge plan in disarray - Scotsman
PLANS for a new Forth road bridge were in disarray last night after the UK Government threw out a request to give the SNP administration a multimillion-pound cash advance. Scottish finance secretary John Swinney had asked Westminster for the cash ...

December 2008 - Posts - MSNBC Firstread
A quick update from the Minnesota Senate recount: AP reports that Democrat Al Franken is starting the last day of 2008 with a 49-vote lead over Norm Coleman . That's revised from a 50-vote lead yesterday, after the Secretary of State's office updated ...

The Note - ABC News Blogs
ABC News' Karen Travers Reports: Entertainer Al Franken may be getting closer to one of the most hotly contested Senate seats in the U.S. The Democrat gained a 50 vote lead over Republican Sen. Norm Coleman in Minnesota's Senate race after the state ...

Most Visited - Nolanchart.com
(libertarian) Bad news accumulated further when Francois, known as "AnonOrange" (like "Agent Orange"), was arrested on 26 October 2008 for trespassing. He and three other Anonymous members had gathered for another "international protest" when he ...

Today's Mortgage Terms starting with M

Margin: The percentage difference between the index for a specific loan and the interest rate charged. This is a number already set by the lender.

Market Value: The price at which a given property or product is transacted between a willing, unhurried buyer and a seller who know all the pertinent facts about the property.

Mortgage Banker: A financial institution who directly funds home loans, sells them to investors, arranges monthly payments and handles escrow. Some mortgage bankers sell their loans on the secondary market.

Mortgage Broker: A broker arranges financing for borrowers with a variety of lenders. A mortgage broker does not make the loan, but receives payments for its services.

Mortgage Insurance: It is insurance to protect the lender in case you default on your loan. With conventional loans, mortgage insurance is generally not required if you make a down payment of at least 20% of the home's appraised value. It is also known as PMI (Private Mortgage Insurance).

Mortgage Loan: A loan for which a specific real estate property serves as collateral to provide for repayment in case of default.

Mortgage Refinance: A refinanced mortgage is one in which a borrower pays down an old loan with a new loan. People who refinance a mortgage tend do so to get a lower interest rate, lowering their payments or to take cash out of their home equity.

Mortgagee: The lender in a mortgage loan relationship. Property is used as collateral to make payment.

Mortgagor: The borrower in a mortgage loan relationship. Property is used as collateral to make payment.

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