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Hampton area business briefs - Portsmouth Herald
'Connect' at chamber on Dec. 3 The next Hampton Area Chamber Commerce "Chamber Connection" daytime networking event is Wednesday, Dec. 3 at the chamber office, One Lafayette Road in Hampton. Guest speaker is Daniel Smith of Wood Brothers Moving ...

Bargain for nobody - The Australian
KEVIN Rudd declares war on unemployment but then shoots the labour market in the foot by imposing more rules and penalties on employment-generating businesses. But it's OK. Ruddy reckons handing an extra $15.1 billion to the states for health ...

Jobless rate at 14-year high - Philadelphia Inquirer
WASHINGTON - The nation's unemployment rate bolted to a 14-year high of 6.5 percent in October as 240,000 more jobs were cut, stark proof that the economy is almost certainly in a recession. The new snapshot, released today by the Labor Department ...

Register for FREE - Wall Street Journal
Please register to gain free access to WSJ tools. An account already exists for the email address entered. In order to support the streamlined modification program announced on November 11, 2008, Fannie Mae today issued a notice to its loan servicing ...

State budget cuts needed, but they hurt - Portsmouth Herald
The steps taken by Gov. John Lynch and the House of Representatives last week to deal with a projected $50 million budget shortfall were necessary and wise — and will likely be needed again. While there's been no shortage of analysis and second ...

National Briefing - Daily Herald
State agency OK's lease for industrial park GREEN RIVER -- Emery County has secured rights to more than 2,500 acres of state trust lands for an industrial park that is a possible site for Utah's first nuclear power plant. The lease was signed Monday ...

Teachers get axed and parents fret as Dallas' school leaders scramble ... - Dallas Observer
Why is Mayor Leppert Putting the Brakes on Dallas' Inland Port Future? (11) The Perots have solid business reasons to slow down Dallas' inland port. But why is our mayor helping them? Explanations be damned. There is only one justifiable response to ...

What's on this page? - Atlanta Journal Constitution
The entry titled "Delta deals for Northwest," and any of the comments about it. When I first heard about the bad news, my heart sank. I’ve flown on NWA and they were wonderful. The service was friendly and the snacks were hearty. I enjoyed flying ...

Polls predict Obama will turn NH blue - Nashua Telegraph
That's what two independent polls concluded at the end of the week, with Saint Anselm College's Institute of Politics and Rasmussen surveys giving Sen. Barack Obama a commanding double-digit lead. St. A's has Obama beating Republican Sen. John McCain ...

2008 Turkey Awards - Fort Worth Weekly
The news headlines of the past year – if not the last eight – have sometimes seemed like footage from some ’50s B-movie thriller, where logic is the first casualty and bad actors open doors on one inexplicable horror after another. Dick Cheney ...

Today's Mortgage Terms starting with A

Accrued Interest: Interest earned but has not been paid

Additional Principal Payment: A payment made by the borrower of more than the scheduled principal amount due with the purpose of reducing the remaining balance on the loan.

Adjustable Rate Mortgage: Loans with interest rates that are adjusted periodically based on changes of a pre-determined index. The index is based on market rates such as Treasury bills and prime rates. The ARM has an interest rate cap that limits the amount the interest rate can change.

Adjustment Period: Applicable to an ARM, the time between changes in the interest rate.

Amortization: Repayment of a debt with periodic payments, usually monthly, of principal and interest calculated to pay down the loan within a predetermined time.

Amortization Schedule: A timetable for payment of a mortgage detailing the amount of each payment applied to interest and principal and the balance left outstanding.

Annual Percentage Rate (APR): The cost of credit shown as a yearly rate. The annual percentage rate is usually not the same as the interest rate. The APR will be higher than the interest rate stated in the note due to the fact that it includes the interest rate, loan discount points, fees and mortgage insurance.

Appraisal Fee: A fee charged by a licensed, certified appraiser for a written estimate of a property's current market value at a specific time.

Assumable Mortgage: A mortgage that can be taken over by the buyer when a home is sold by the previous owner.

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