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2008 (2665) - Dakota Voice
► January 16 - January 23 (1) They both served in the Continental Congress. One was elected the second President and the other was elected the third. Once political enemies, they became close friends in later life. An awe swept America when they ...

Hound Dog from Canada, Canada writes: The fiscal 2009/2010 budget will ... - Globe and Mail
Kevin Desmoulin from Canada writes: Robert Loblaw from Canada writes: Can you imagine Dion's throne speech if he had been elected? Reality Check, The Conservatives and Steven Harper got elected again. Put up or shut up, stand up or take a walk again ...

Quitting, and rolling a fattie... - Globe and Mail
Andrew Lahde caught the spirit of the times in a farewell letter to investors in his high-flying hedge fund. After famously posting something on the order of 1,000-per-cent returns on a bet against sub-prime mortgage markets, the founder of ...

Worst effects of fading commodities yet to come: BMO - Globe and Mail
S Rankin from Canada writes: “Simply put,” said Mr. Porter, “the previously gaping regional growth divide is set to narrow, as the downturn in resource prices hits Western Canada hard. This is why Harper will be bailing out the auto industry ...

Monday madness - Arkansas Times
THANKS for pointing me to Mike Masterson's 10/21 column, folks!! Here's my email to him, Subject My "equal time" doctrine: While I wasn't watching, you have apparently turned into the "political fellow traveler" of Bradley R. Gitz!!! Obama is a ...

First, Step Up - Common Dreams
At any given moment we face as a society an enormous number of problems: there's the mortgage crisis, the health care crisis, the endless war in Iraq, and on and on. Maybe we'll solve some of them, and doubtless new ones will spring up to take their ...

Ortman: Decatur made ‘giant strides’ - Northwest Arkansas News
DECATUR - At Monday night's town-hall meeting in Decatur, Superintendent Leroy Ortman shared with the community the Decatur School District's latest financial reports and his reaction to the Oct. 13 Arkansas State Board of Education meeting. The ...

Niagara County Real Estate Transactions - Buffalo News
• Lockport-Junction Road, Marjorie S. Nelson to County of Niagara, $180,000. • Thrall Road, Marilyn Rockwood; Robert E. Rockwood to Joseph Critelli, $45,000. • East Ave. & Howard, Jimmy Chebat; Amy Chebat to Robert A. Pauly; Dylan A. Pauly ...

PM Gilani brushes aside criticism of cabinet’s size - Pakistan News Service
ISLAMABAD: Prime Minister Syed Yousuf Raza Gilani on Thursday defended a “heavy cabinet”, saying it would not put an extra burden on the national exchequer. The prime minister was talking to newsmen after the groundbreaking ceremony of the Prime ...

Register for FREE - Wall Street Journal
Please register to gain free access to WSJ tools. An account already exists for the email address entered. Iceland’s central bank today slashed its key policy rate for the first time since 2003 in an unscheduled announcement as the country remains ...

Today's Mortgage Terms starting with C

Cash To Close: Liquid assets that are available on hand for payment of closing costs involved in the processing of a mortgage transaction.

Closing: The completion of a real estate transaction. The closing includes the delivery of a deed, financial adjustments, signing of notes and disbursement of funds required to finalize the sale and loan transaction.

Closing Costs: Fees generally paid by the borrower in relation to the closing of a mortgage loan.

Collateral: Property pledged as security for a debt.

Conforming Loan: Conventional home mortgages eligible for sale and delivery to either the Federal National Mortgage Association (FNMA) or the Federal Home Loan Mortgage Corporation (FHLMC). These agencies generally buys first mortgages up to loan amounts approved by Congressional directive.

Conventional Loan: Loans that are not part of any government housing program, free of any restrictions of government insured housing programs, such as loan size limits.

Conversion Clause: A feature in certain ARMs that gives you the option to convert the variable rate loan to a fixed-rate loan, usually after the first adjustment period. The new fixed rate will be set at current rates and there could be a fee for the conversion feature.

Convertible ARM: A type of ARM loan that can be converted to a fixed-rate loan after a certain time period.

Covenant: A clause in a contract that obligates or restricts the parties and if broken, can result in a legal action.

Credit Bureau: It is a clearinghouse for credit history information.

Credit Report: A report containing a detailed credit history of an individual.

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