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When times were tough: Seniors say downturn doesn't stack up to ... - Stamford Advocate
GREENWICH - When he was a kid, Charles Prete's family had groceries delivered each week by a local store, even during the Great Depression, when times were tough and there wasn't any money to pay for them. "My father always wanted to put food on the ...

Locals share memories of the Great Depression - Greenwich Time
Tony Dipreta speaks about his experiences in the Great Depression recently at The Greenwich Senior Center. Charles Prete's family had groceries delivered each week by a local store, even during the Great Depression when times were tough and there ...

How to request your own Homeland Security file... - Spokane Spokesman-Review
Via the First Amendment Project, here's an easy-to-use website that walks you through requesting a copy of whatever dossier the Department of Homeland Security might have compiled on you so far. From the website: The Department of Homeland Security ...

Mace Security International, Inc. Q3 2008 Earnings Call Transcript - Seekingalpha.com
At this time, I would like to welcome everyone the 2008 third quarter financial results conference call. (Operator Instructions). And now I'd like to turn the call over to Mr. Nieves. Sir, go ahead. Thank you, Ken. Welcome to Mace's investor ...

Maury Island case shows pivotal issue in lands commissioner race - Seattle Post Intelligencer
Environmentalists and timber industry representatives agree that properly managed forestry is gentle on the land compared with commercial and industrial development. "Especially here in Puget Sound, it is critical that forestry not be driven out of ...

Foreclosures Climb In Wealthy County - WTVF
FRANKLIN, Tenn. - Tough economic times have hit one of the nation's wealthiest counties. From one of the region's fastest growing to the wealthiest, Williamson County is usually at the top of the list. But these days, it's also at the top of the home ...

Has the recession hit Vashon? - Bothell Reporter
The bread rack at the Vashon Maury Community Food Bank was mostly empty last Wednesday, and the shelves in the storage area — at a time when they’re normally teeming — were half full. Lines were long all morning. And that night, a client ...

Fox Cities residents show why who is chosen president matters - Post-Crescent
Maury Mead heard from doctors last month that his heart is giving out. Liz MacKelvie dreams of one day flying thousands of miles to help a child named Noah. Andy Balliet has loaded up a duffel bag full of candy to hand out to Iraqi children. These ...

Latest News - dBusinessNews.com
NorthShore Capital Advisors Named One Of BusinessTN Magazine’s 2008 Hot100 KNOXVILLE, TENN. — Greg W. Needham, vice president of marketing ... Louisiana-Pacific Corporation Outlines Additional Actions to Reduce Costs, Manage Cash NASHVILLE ...

Postmortem: Morning, Not Mourning, in America - Blogcritics.org
See also: » In the Midst of Victory, Defeats Are Overlooked » Congratulations From a McCain Voter » The Consequence Of A Barack Obama Presidency I'm still reeling. Not just from the historic election results, but from working a fifteen-hour day ...

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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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