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John McCain and Barack Obama: How They Speak to Voters - US News and World Report
Speechmaking does not make a president. If it did, Thomas Jefferson, who abhorred public oratory, would rank among the least of America's chief executives. But there is no question that the ability to inspire through the spoken word has contributed ...

Dana Priest - Washington Post
Washington Post intelligence reporter Dana Priest was online Thursday, Nov. 20 to discuss national security issues. Dana Priest covers intelligence and wrote " The Mission: Waging War and Keeping Peace With America's Military " (W.W. Norton). The ...

Greenspan: I was wrong about banks' ability to police each other - Bloggingstocks.com
Congressional investigators repeatedly, verbally pummeled former U.S. Federal Reserve Chairman Alan Greenspan Thursday, for what lawmakers charged was a lack of oversight for a mortgage and housing market run amok - - a lapse they believe encouraged ...

The state of America after Bush - Guardian Unlimited
Celebrated novelist and memoirist. His latest short story collection, Our Story Begins, was published in August. Won the 1985 PEN/Faulkner Award for Fiction for The Barracks Thief (1984) Last week I was roused from sleep by a strange dream - that my ...

This spread is too thin to cover costs - Atlanta Journal Constitution
Spread the wealth? Thanks, but for me and other ordinary Americans, spreading the wealth is an individual prerogative, not a pocketbook authority we’d willingly hand over to a spendthrift Congress led by a like-minded Barack Obama administration ...

Jay Bookman - Atlanta Journal Constitution
The entry titled "U.S. Rep. Paul Broun, R-Crazy," and any of the comments about it. A Georgia congressman, Paul Broun of Athens, has accused Barack Obama of being a Marxist with secret plans to take over the country, abolish all rights and rule as ...

A Vote for Mukasey Is a Vote for Torture - Common Dreams
Judge Michael Mukasey admits waterboarding is repugnant, but refuses to say whether it amounts to torture. Yet Democratic Sens. Charles Schumer and Dianne Feinstein voted for his confirmation as U.S. attorney general anyway. Mukasey, Schumer and ...

This Coup and The Next One - Common Dreams
I think nothing has higher priority than averting an attack on Iran, which I think will be accompanied by a further change in our way of governing here that in effect will convert us into what I would call a police state. If there's another 9/11 ...

Karina Weiman: Shocked and amused - Craig Daily Press
I am shocked and a bit amused about the amount of fuss that has been made regarding the Craig Daily Press’ decision to put Barack Obama’s picture on the last page of the paper the day after his election. I am further shocked and amused that ...

The First 100 Days - Nation
At the end of this remarkable week, we're starting to look ahead to the First 100 Days of the Obama presidency. Already, we're hearing calls in the mainstream media warning the new administration "not to overreach." And working overtime, the Inside ...

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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